Mortality rate Mortality rate

Age Age Age

Male Female Male Female
0 0.00263 0,00188 34 0,00205 0,00161 67
1 0,00103 0,00084 35 0,00217 0,00170 68
2 0,00099 0,00080 36 0,00232 0,00182 69
3 0,00097 0,00078 37 0,00249 0,00196 70
4 0,00093 0,00077 38 0,00268 0,00213 71
5 0,00088 0,00075 39 0,00290 0,00232 72
6 0,00083 0,00073 40 0,00315 0,00253 73
7 0,00078 0,00071 41 0,00342 0,00275 74
8 0,00075 0,00070 42 0,00371 0,00298 75
9 0,00074 0,00069 43 0,00403 0,00320 76
10 0,00075 0,00068 44 0,00437 0,00344 77
11 0,00081 0,00070 45 0,00473 0,00368 78
12 0,00092 0,00073 46 0,00512 0,00392 79
13 0,00107 0,00077 47 0,00553 0,00419 80
14 0,00124 0,00082 48 0,00597 0,00448 81
15 0,00142 0,00087 49 0,00646 0,00479 82
16 0,00159 0,00092 50 0,00700 0,00513 83
17 0,00172 0,00096 51 0,00763 0,00550 84
18 0,00182 0,00100 52 0,00833 0,00592 85
19 0,00188 0,00103 53 0,00913 0,00638 86
20 0,00190 0,00106 54 0,01001 0,00685 87
21 0,00190 0,00108 55 0,01096 0,00733 88
22 0,00188 0,00110 56 0,01197 0,00780 89
23 0,00184 0,00112 57 0,01304 0,00825 90
24 0,00180 0,00115 58 0,01418 0,00870 91
25 0,00175 0,00117 59 0,01542 0,00920 92
26 0,00172 0,00120 60 0,01680 0,00980 93
27 0,00171 0,00124 61 0,01836 0,01054 94
28 0,00170 0,00128 62 0,02012 0,01149 95
29 0,00172 0,00132 63 0,02209 0,01263 96
30 0,00175 0,00137 64 0,02427 0,01392 97
31 0,00180 0,00142 65 0,02662 0,01529 98
32 0,00187 0,00147 66 0,02913 0,01671 99
33 0,00195 0,00154
 Mortality rate
Male Female
0,03179 0,01813
0,03465 0,01959
0,03781 0,02123
0,04137 0,02316
0,04543 0,02553
0,05008 0,02847
0,05534 0,03199
0,06110 0,03605
0,06725 0,04056
0,07370 0,04545
0,08037 0,05068
0,08732 0,05632
0,09476 0,06257
0,10294 0,06967
0,11209 0,07783
0,12241 0,08725
0,13384 0,09790
0,14612 0,10962
0,15898 0,12229
0,17221 0,13582
0,18573 0,15018
0,19953 0,16538
0,21369 0,18154
0,22843 0,19885
0,24411 0,21768
0,26143 0,23869
0,28213 0,26341
0,30997 0,29523
0,35186 0,34102
0,42099 0,41388
0,54100 0,53724
0,74515 0,74396
100,000 100,000
 Male
x lx dx qx ex ux
0 100,000 263 0.0026 69.9830 0.0026
1 99,737 103 0.0010 69.1676 0.0010
2 99,634 99 0.0010 68.2389 0.0010
3 99,536 97 0.0010 67.3065 0.0010
4 99,439 92 0.0009 66.3719 0.0009
5 99,347 87 0.0009 65.4337 0.0009
6 99,259 82 0.0008 64.4913 0.0008
7 99,177 77 0.0008 63.5449 0.0008
8 99,099 74 0.0008 62.5945 0.0008
9 99,025 73 0.0007 61.6415 0.0007
10 98,952 74 0.0008 60.6871 0.0008
11 98,878 80 0.0008 59.7326 0.0008
12 98,798 91 0.0009 58.7811 0.0009
13 98,707 106 0.0011 57.8352 0.0011
14 98,601 122 0.0012 56.8972 0.0012
15 98,479 140 0.0014 55.9678 0.0014
16 98,339 156 0.0016 55.0474 0.0016
17 98,183 169 0.0017 54.1350 0.0017
18 98,014 178 0.0018 53.2283 0.0018
19 97,835 184 0.0019 52.3254 0.0019
20 97,651 186 0.0019 51.4239 0.0019
21 97,466 185 0.0019 50.5218 0.0019
22 97,281 183 0.0019 49.6180 0.0019
23 97,098 179 0.0018 48.7114 0.0018
24 96,919 174 0.0018 47.8012 0.0018
25 96,745 169 0.0018 46.8874 0.0018
26 96,575 166 0.0017 45.9696 0.0017
27 96,409 165 0.0017 45.0488 0.0017
28 96,244 164 0.0017 44.1260 0.0017
29 96,081 165 0.0017 43.2011 0.0017
30 95,915 168 0.0018 42.2756 0.0018
31 95,748 172 0.0018 41.3497 0.0018
32 95,575 179 0.0019 40.4243 0.0019
33 95,397 186 0.0020 39.5000 0.0020
34 95,211 195 0.0021 38.5772 0.0021
35 95,015 206 0.0022 37.6564 0.0022
36 94,809 220 0.0023 36.7383 0.0023
37 94,589 236 0.0025 35.8237 0.0025
38 94,354 253 0.0027 34.9132 0.0027
39 94,101 273 0.0029 34.0070 0.0029
40 93,828 296 0.0032 33.1059 0.0032
41 93,532 320 0.0034 32.2105 0.0034
42 93,212 346 0.0037 31.3210 0.0037
43 92,867 374 0.0040 30.4377 0.0040
44 92,492 404 0.0044 29.5608 0.0044
45 92,088 436 0.0047 28.6906 0.0047
46 91,653 469 0.0051 27.8269 0.0051
47 91,183 504 0.0055 26.9701 0.0055
48 90,679 541 0.0060 26.1201 0.0060
49 90,138 582 0.0065 25.2770 0.0065
50 89,556 627 0.0070 24.4413 0.0070
51 88,929 679 0.0076 23.6136 0.0077
52 88,250 735 0.0083 22.7952 0.0084
53 87,515 799 0.0091 21.9867 0.0092
54 86,716 868 0.0100 21.1893 0.0101
55 85,848 941 0.0110 20.4035 0.0110
56 84,907 1,016 0.0120 19.6296 0.0120
57 83,891 1,094 0.0130 18.8674 0.0131
58 82,797 1,174 0.0142 18.1167 0.0143
59 81,623 1,259 0.0154 17.3773 0.0155
60 80,364 1,350 0.0168 16.6494 0.0169
61 79,014 1,451 0.0184 15.9339 0.0185
62 77,563 1,561 0.0201 15.2320 0.0203
63 76,003 1,679 0.0221 14.5447 0.0223
64 74,324 1,804 0.0243 13.8733 0.0246
65 72,520 1,930 0.0266 13.2183 0.0270
66 70,589 2,056 0.0291 12.5798 0.0296
67 68,533 2,179 0.0318 11.9573 0.0323
68 66,355 2,299 0.0347 11.3499 0.0353
69 64,055 2,422 0.0378 10.7573 0.0385
70 61,633 2,550 0.0414 10.1800 0.0423
71 59,084 2,684 0.0454 9.6193 0.0465
72 56,399 2,824 0.0501 9.0771 0.0514
73 53,575 2,965 0.0553 8.5557 0.0569
74 50,610 3,092 0.0611 8.0569 0.0630
75 47,518 3,196 0.0673 7.5812 0.0696
76 44,322 3,267 0.0737 7.1278 0.0766
77 41,056 3,300 0.0804 6.6949 0.0838
78 37,756 3,297 0.0873 6.2800 0.0914
79 34,459 3,265 0.0948 5.8808 0.0996
80 31,194 3,211 0.1029 5.4964 0.1086
81 27,983 3,137 0.1121 5.1271 0.1189
82 24,846 3,041 0.1224 4.7744 0.1306
83 21,805 2,918 0.1338 4.4403 0.1437
84 18,886 2,760 0.1461 4.1265 0.1580
85 16,127 2,564 0.1590 3.8326 0.1731
86 13,563 2,336 0.1722 3.5571 0.1890
87 11,227 2,085 0.1857 3.2971 0.2055
88 9,142 1,824 0.1995 3.0491 0.2226
89 7,318 1,564 0.2137 2.8092 0.2404
90 5,754 1,314 0.2284 2.5726 0.2593
91 4,440 1,084 0.2441 2.3343 0.2799
92 3,356 877 0.2614 2.0881 0.3030
93 2,479 699 0.2821 1.8272 0.3315
94 1,779 552 0.3100 1.5454 0.3710
95 1,228 432 0.3519 1.2396 0.4336
96 796 335 0.4210 0.9125 0.5464
97 461 249 0.5410 0.5760 0.7787
98 211 158 0.7452 0.2549 1.3671
99 54 54 1.0000 0.0000 0.0000
 Female
x lx dx qx ex ux
0 100,000 188 0.0019 74.9406 0.0019
1 99,812 84 0.0008 74.0818 0.0008
2 99,728 80 0.0008 73.1441 0.0008
3 99,648 78 0.0008 72.2026 0.0008
4 99,571 77 0.0008 71.2590 0.0008
5 99,494 75 0.0008 70.3139 0.0008
6 99,419 73 0.0007 69.3667 0.0007
7 99,347 71 0.0007 68.4174 0.0007
8 99,276 69 0.0007 67.4660 0.0007
9 99,207 68 0.0007 66.5132 0.0007
10 99,138 67 0.0007 65.5592 0.0007
11 99,071 69 0.0007 64.6038 0.0007
12 99,002 72 0.0007 63.6490 0.0007
13 98,929 76 0.0008 62.6955 0.0008
14 98,853 81 0.0008 61.7438 0.0008
15 98,772 86 0.0009 60.7945 0.0009
16 98,686 91 0.0009 59.8474 0.0009
17 98,595 95 0.0010 58.9025 0.0010
18 98,501 99 0.0010 57.9591 0.0010
19 98,402 101 0.0010 57.0172 0.0010
20 98,301 104 0.0011 56.0760 0.0011
21 98,197 106 0.0011 55.1355 0.0011
22 98,091 108 0.0011 54.1951 0.0011
23 97,983 110 0.0011 53.2547 0.0011
24 97,873 113 0.0012 52.3145 0.0012
25 97,760 114 0.0012 51.3747 0.0012
26 97,646 117 0.0012 50.4349 0.0012
27 97,529 121 0.0012 49.4955 0.0012
28 97,408 125 0.0013 48.5569 0.0013
29 97,283 128 0.0013 47.6191 0.0013
30 97,155 133 0.0014 46.6821 0.0014
31 97,022 138 0.0014 45.7461 0.0014
32 96,884 142 0.0015 44.8112 0.0015
33 96,741 149 0.0015 43.8771 0.0015
34 96,592 156 0.0016 42.9448 0.0016
35 96,437 164 0.0017 42.0141 0.0017
36 96,273 175 0.0018 41.0856 0.0018
37 96,098 188 0.0020 40.1605 0.0020
38 95,909 204 0.0021 39.2394 0.0021
39 95,705 222 0.0023 38.3232 0.0023
40 95,483 242 0.0025 37.4123 0.0025
41 95,242 262 0.0028 36.5072 0.0028
42 94,980 283 0.0030 35.6078 0.0030
43 94,697 303 0.0032 34.7143 0.0032
44 94,394 325 0.0034 33.8257 0.0034
45 94,069 346 0.0037 32.9425 0.0037
46 93,723 367 0.0039 32.0642 0.0039
47 93,355 391 0.0042 31.1903 0.0042
48 92,964 416 0.0045 30.3216 0.0045
49 92,548 443 0.0048 29.4580 0.0048
50 92,104 472 0.0051 28.5998 0.0051
51 91,632 504 0.0055 27.7473 0.0055
52 91,128 539 0.0059 26.9007 0.0059
53 90,588 578 0.0064 26.0609 0.0064
54 90,010 617 0.0069 25.2283 0.0069
55 89,394 655 0.0073 24.4023 0.0074
56 88,739 692 0.0078 23.5825 0.0078
57 88,046 726 0.0083 22.7679 0.0083
58 87,320 760 0.0087 21.9573 0.0087
59 86,560 796 0.0092 21.1500 0.0092
60 85,764 840 0.0098 20.3463 0.0098
61 84,924 895 0.0105 19.5477 0.0106
62 84,028 965 0.0115 18.7559 0.0116
63 83,063 1,049 0.0126 17.9740 0.0127
64 82,014 1,142 0.0139 17.2039 0.0140
65 80,872 1,237 0.0153 16.4467 0.0154
66 79,636 1,331 0.0167 15.7021 0.0169
67 78,305 1,420 0.0181 14.9689 0.0183
68 76,885 1,506 0.0196 14.2453 0.0198
69 75,379 1,600 0.0212 13.5300 0.0215
70 73,779 1,709 0.0232 12.8235 0.0234
71 72,070 1,840 0.0255 12.1275 0.0259
72 70,230 1,999 0.0285 11.4452 0.0289
73 68,231 2,183 0.0320 10.7806 0.0325
74 66,048 2,381 0.0361 10.1369 0.0367
75 63,667 2,582 0.0406 9.5160 0.0414
76 61,085 2,776 0.0455 8.9183 0.0465
77 58,308 2,955 0.0507 8.3429 0.0520
78 55,353 3,117 0.0563 7.7883 0.0580
79 52,236 3,268 0.0626 7.2531 0.0646
80 48,967 3,412 0.0697 6.7372 0.0722
81 45,556 3,546 0.0778 6.2418 0.0810
82 42,010 3,665 0.0873 5.7686 0.0913
83 38,345 3,754 0.0979 5.3200 0.1030
84 34,591 3,792 0.1096 4.8973 0.1161
85 30,799 3,766 0.1223 4.5003 0.1304
86 27,033 3,672 0.1358 4.1273 0.1460
87 23,361 3,508 0.1502 3.7759 0.1627
88 19,853 3,283 0.1654 3.4432 0.1808
89 16,569 3,008 0.1815 3.1255 0.2003
90 13,561 2,697 0.1989 2.8187 0.2217
91 10,865 2,365 0.2177 2.5184 0.2455
92 8,500 2,029 0.2387 2.2191 0.2727
93 6,471 1,705 0.2634 1.9149 0.3057
94 4,766 1,407 0.2952 1.5996 0.3499
95 3,359 1,146 0.3410 1.2697 0.4171
96 2,214 916 0.4139 0.9268 0.5342
97 1,297 697 0.5372 0.5812 0.7705
98 600 447 0.7440 0.2560 1.3624
99 154 154 1.0000 0.0000 0.0000
 Male
x qx äx Ax 2Ax (IA)x
0 0.0026 18.6323 0.0454 0.0120 1.9030
1 0.0010 18.6334 0.0453 0.0107 1.9630
2 0.0010 18.6048 0.0468 0.0109 2.0233
3 0.0010 18.5738 0.0484 0.0111 2.0853
4 0.0009 18.5408 0.0501 0.0114 2.1490
5 0.0009 18.5052 0.0519 0.0117 2.2143
6 0.0008 18.4667 0.0539 0.0121 2.2811
7 0.0008 18.4252 0.0560 0.0127 2.3495
8 0.0008 18.3805 0.0583 0.0133 2.4192
9 0.0007 18.3328 0.0607 0.0140 2.4902
10 0.0008 18.2823 0.0633 0.0149 2.5626
11 0.0008 18.2293 0.0661 0.0158 2.6362
12 0.0009 18.1744 0.0689 0.0167 2.7111
13 0.0011 18.1184 0.0717 0.0177 2.7875
14 0.0012 18.0622 0.0746 0.0186 2.8655
15 0.0014 18.0059 0.0775 0.0194 2.9452
16 0.0016 17.9497 0.0804 0.0202 3.0269
17 0.0017 17.8934 0.0833 0.0209 3.1106
18 0.0018 17.8363 0.0862 0.0215 3.1963
19 0.0019 17.7778 0.0892 0.0221 3.2840
20 0.0019 17.7171 0.0923 0.0227 3.3737
21 0.0019 17.6534 0.0956 0.0234 3.4652
22 0.0019 17.5861 0.0990 0.0241 3.5584
23 0.0018 17.5147 0.1027 0.0250 3.6530
24 0.0018 17.4386 0.1066 0.0259 3.7490
25 0.0018 17.3575 0.1107 0.0271 3.8460
26 0.0017 17.2710 0.1151 0.0284 3.9439
27 0.0017 17.1792 0.1199 0.0299 4.0425
28 0.0017 17.0821 0.1248 0.0315 4.1415
29 0.0017 16.9794 0.1301 0.0334 4.2408
30 0.0018 16.8713 0.1356 0.0354 4.3402
31 0.0018 16.7577 0.1414 0.0376 4.4394
32 0.0019 16.6385 0.1476 0.0401 4.5382
33 0.0020 16.5139 0.1539 0.0428 4.6364
34 0.0021 16.3836 0.1606 0.0456 4.7337
35 0.0022 16.2476 0.1676 0.0487 4.8300
36 0.0023 16.1059 0.1748 0.0521 4.9249
37 0.0025 15.9587 0.1824 0.0557 5.0182
38 0.0027 15.8058 0.1902 0.0595 5.1096
39 0.0029 15.6472 0.1983 0.0636 5.1990
40 0.0032 15.4831 0.2067 0.0680 5.2860
41 0.0034 15.3134 0.2154 0.0726 5.3705
42 0.0037 15.1381 0.2244 0.0775 5.4521
43 0.0040 14.9571 0.2337 0.0827 5.5304
44 0.0044 14.7703 0.2433 0.0882 5.6054
45 0.0047 14.5776 0.2531 0.0940 5.6764
46 0.0051 14.3788 0.2633 0.1001 5.7433
47 0.0055 14.1738 0.2738 0.1067 5.8056
48 0.0060 13.9624 0.2847 0.1136 5.8630
49 0.0065 13.7444 0.2958 0.1210 5.9148
50 0.0070 13.5200 0.3073 0.1287 5.9609
51 0.0076 13.2891 0.3192 0.1370 6.0009
52 0.0083 13.0523 0.3313 0.1457 6.0346
53 0.0091 12.8098 0.3437 0.1548 6.0618
54 0.0100 12.5622 0.3564 0.1643 6.0824
55 0.0110 12.3098 0.3693 0.1743 6.0962
56 0.0120 12.0526 0.3825 0.1847 6.1031
57 0.0130 11.7906 0.3959 0.1955 6.1025
58 0.0142 11.5235 0.4096 0.2068 6.0942
59 0.0154 11.2514 0.4236 0.2187 6.0777
60 0.0168 10.9741 0.4378 0.2311 6.0529
61 0.0184 10.6924 0.4522 0.2440 6.0194
62 0.0201 10.4068 0.4668 0.2575 5.9776
63 0.0221 10.1184 0.4816 0.2714 5.9277
64 0.0243 9.8279 0.4965 0.2857 5.8698
65 0.0266 9.5360 0.5114 0.3004 5.8044
66 0.0291 9.2430 0.5264 0.3155 5.7313
67 0.0318 8.9488 0.5415 0.3310 5.6505
68 0.0347 8.6531 0.5567 0.3470 5.5617
69 0.0378 8.3559 0.5719 0.3634 5.4646
70 0.0414 8.0578 0.5872 0.3803 5.3596
71 0.0454 7.7600 0.6024 0.3975 5.2472
72 0.0501 7.4641 0.6176 0.4150 5.1286
73 0.0553 7.1724 0.6325 0.4327 5.0053
74 0.0611 6.8868 0.6472 0.4502 4.8788
75 0.0673 6.6085 0.6614 0.4676 4.7504
76 0.0737 6.3375 0.6753 0.4849 4.6206
77 0.0804 6.0734 0.6888 0.5019 4.4891
78 0.0873 5.8146 0.7021 0.5189 4.3556
79 0.0948 5.5601 0.7151 0.5360 4.2192
80 0.1029 5.3095 0.7280 0.5531 4.0799
81 0.1121 5.0635 0.7406 0.5702 3.9383
82 0.1224 4.8236 0.7529 0.5871 3.7959
83 0.1338 4.5922 0.7647 0.6037 3.6547
84 0.1461 4.3712 0.7760 0.6198 3.5167
85 0.1590 4.1613 0.7868 0.6353 3.3830
86 0.1722 3.9618 0.7970 0.6501 3.2536
87 0.1857 3.7712 0.8068 0.6644 3.1279
88 0.1995 3.5871 0.8162 0.6784 3.0045
89 0.2137 3.4065 0.8255 0.6923 2.8814
90 0.2284 3.2258 0.8347 0.7063 2.7558
91 0.2441 3.0405 0.8442 0.7209 2.6243
92 0.2614 2.8452 0.8542 0.7365 2.4821
93 0.2821 2.6333 0.8651 0.7538 2.3231
94 0.3100 2.3980 0.8771 0.7735 2.1407
95 0.3519 2.1354 0.8906 0.7961 1.9300
96 0.4210 1.8464 0.9054 0.8217 1.6903
97 0.5410 1.5408 0.9211 0.8494 1.4287
98 0.7452 1.2418 0.9364 0.8773 1.1658
99 1.0000 1.0000 0.9488 0.9002 0.9488
 Female
x qx äx Ax 2Ax (IA)x
0 0.0019 18.8209 0.0357 0.0090 1.6042
1 0.0008 18.8186 0.0359 0.0082 1.6562
2 0.0008 18.7966 0.0370 0.0083 1.7093
3 0.0008 18.7726 0.0382 0.0084 1.7640
4 0.0008 18.7469 0.0395 0.0085 1.8204
5 0.0008 18.7197 0.0409 0.0087 1.8785
6 0.0007 18.6906 0.0424 0.0089 1.9383
7 0.0007 18.6595 0.0440 0.0092 1.9997
8 0.0007 18.6263 0.0457 0.0095 2.0627
9 0.0007 18.5912 0.0475 0.0099 2.1274
10 0.0007 18.5539 0.0494 0.0103 2.1937
11 0.0007 18.5144 0.0514 0.0108 2.2617
12 0.0007 18.4731 0.0536 0.0113 2.3312
13 0.0008 18.4301 0.0558 0.0118 2.4024
14 0.0008 18.3855 0.0580 0.0124 2.4752
15 0.0009 18.3393 0.0604 0.0129 2.5498
16 0.0009 18.2916 0.0629 0.0135 2.6261
17 0.0010 18.2421 0.0654 0.0141 2.7041
18 0.0010 18.1906 0.0680 0.0147 2.7839
19 0.0010 18.1371 0.0708 0.0154 2.8654
20 0.0011 18.0811 0.0736 0.0161 2.9486
21 0.0011 18.0226 0.0766 0.0168 3.0334
22 0.0011 17.9612 0.0798 0.0176 3.1198
23 0.0011 17.8968 0.0831 0.0185 3.2077
24 0.0012 17.8292 0.0866 0.0194 3.2970
25 0.0012 17.7584 0.0902 0.0204 3.3877
26 0.0012 17.6840 0.0940 0.0216 3.4797
27 0.0012 17.6061 0.0980 0.0228 3.5728
28 0.0013 17.5245 0.1022 0.0241 3.6670
29 0.0013 17.4392 0.1065 0.0255 3.7622
30 0.0014 17.3498 0.1111 0.0271 3.8581
31 0.0014 17.2563 0.1159 0.0287 3.9548
32 0.0015 17.1585 0.1209 0.0306 4.0519
33 0.0015 17.0562 0.1262 0.0325 4.1494
34 0.0016 16.9493 0.1316 0.0346 4.2471
35 0.0017 16.8377 0.1373 0.0369 4.3446
36 0.0018 16.7213 0.1433 0.0394 4.4420
37 0.0020 16.6005 0.1495 0.0420 4.5391
38 0.0021 16.4752 0.1559 0.0448 4.6358
39 0.0023 16.3457 0.1626 0.0478 4.7318
40 0.0025 16.2120 0.1694 0.0508 4.8272
41 0.0028 16.0741 0.1765 0.0541 4.9218
42 0.0030 15.9319 0.1838 0.0575 5.0153
43 0.0032 15.7852 0.1913 0.0611 5.1077
44 0.0034 15.6337 0.1990 0.0649 5.1986
45 0.0037 15.4771 0.2071 0.0689 5.2877
46 0.0039 15.3153 0.2153 0.0731 5.3748
47 0.0042 15.1477 0.2239 0.0776 5.4594
48 0.0045 14.9744 0.2328 0.0823 5.5414
49 0.0048 14.7953 0.2420 0.0874 5.6205
50 0.0051 14.6102 0.2515 0.0927 5.6962
51 0.0055 14.4191 0.2613 0.0984 5.7683
52 0.0059 14.2220 0.2714 0.1044 5.8366
53 0.0064 14.0190 0.2818 0.1107 5.9007
54 0.0069 13.8101 0.2925 0.1173 5.9603
55 0.0073 13.5950 0.3035 0.1243 6.0152
56 0.0078 13.3731 0.3149 0.1317 6.0646
57 0.0083 13.1438 0.3266 0.1397 6.1078
58 0.0087 12.9060 0.3388 0.1481 6.1441
59 0.0092 12.6591 0.3514 0.1572 6.1725
60 0.0098 12.4028 0.3646 0.1670 6.1924
61 0.0105 12.1375 0.3782 0.1774 6.2033
62 0.0115 11.8639 0.3922 0.1886 6.2051
63 0.0126 11.5837 0.4065 0.2003 6.1981
64 0.0139 11.2979 0.4212 0.2126 6.1824
65 0.0153 11.0072 0.4361 0.2254 6.1580
66 0.0167 10.7114 0.4512 0.2387 6.1246
67 0.0181 10.4097 0.4667 0.2527 6.0813
68 0.0196 10.1010 0.4825 0.2675 6.0271
69 0.0212 9.7841 0.4987 0.2831 5.9608
70 0.0232 9.4593 0.5154 0.2996 5.8819
71 0.0255 9.1275 0.5324 0.3170 5.7905
72 0.0285 8.7908 0.5496 0.3352 5.6872
73 0.0320 8.4521 0.5670 0.3540 5.5737
74 0.0361 8.1141 0.5843 0.3732 5.4515
75 0.0406 7.7787 0.6015 0.3927 5.3219
76 0.0455 7.4468 0.6185 0.4124 5.1857
77 0.0507 7.1184 0.6353 0.4324 5.0430
78 0.0563 6.7931 0.6520 0.4526 4.8938
79 0.0626 6.4703 0.6685 0.4731 4.7377
80 0.0697 6.1506 0.6849 0.4940 4.5752
81 0.0778 5.8352 0.7010 0.5150 4.4074
82 0.0873 5.5265 0.7169 0.5360 4.2362
83 0.0979 5.2269 0.7322 0.5567 4.0640
84 0.1096 4.9387 0.7470 0.5771 3.8928
85 0.1223 4.6625 0.7611 0.5969 3.7239
86 0.1358 4.3981 0.7747 0.6162 3.5579
87 0.1502 4.1445 0.7877 0.6349 3.3946
88 0.1654 3.9000 0.8002 0.6533 3.2333
89 0.1815 3.6623 0.8124 0.6714 3.0726
90 0.1989 3.4284 0.8244 0.6895 2.9107
91 0.2177 3.1948 0.8363 0.7078 2.7448
92 0.2387 2.9570 0.8485 0.7269 2.5713
93 0.2634 2.7094 0.8612 0.7472 2.3851
94 0.2952 2.4461 0.8747 0.7693 2.1807
95 0.3410 2.1626 0.8892 0.7937 1.9531
96 0.4139 1.8596 0.9047 0.8205 1.7017
97 0.5372 1.5457 0.9208 0.8490 1.4331
98 0.7440 1.2429 0.9363 0.8771 1.1668
99 1.0000 1.0000 0.9488 0.9002 0.9488
Interest Rate v d
0.054 0.9487666 0.0512334
Age lx qx px
0 100,000 0.00263 0.99737
1 99,737 0.00103 0.99897
2 99,634 0.00099 0.99901
3 99,536 0.00097 0.99903
4 99,439 0.00093 0.99907
5 99,347 0.00088 0.99912
6 99,259 0.00083 0.99917
7 99,177 0.00078 0.99922
8 99,099 0.00075 0.99925
9 99,025 0.00074 0.99926
10 98,952 0.00075 0.99925
11 98,878 0.00081 0.99919
12 98,798 0.00092 0.99908
13 98,707 0.00107 0.99893
14 98,601 0.00124 0.99876
15 98,479 0.00142 0.99858
16 98,339 0.00159 0.99841
17 98,183 0.00172 0.99828
18 98,014 0.00182 0.99818
19 97,835 0.00188 0.99812
20 97,651 0.0019 0.9981
21 97,466 0.0019 0.9981
22 97,281 0.00188 0.99812
23 97,098 0.00184 0.99816
24 96,919 0.0018 0.9982
25 96,745 0.00175 0.99825
26 96,575 0.00172 0.99828
27 96,409 0.00171 0.99829
28 96,244 0.0017 0.9983
29 96,081 0.00172 0.99828
30 95,915 0.00175 0.99825
31 95,748 0.0018 0.9982
32 95,575 0.00187 0.99813
33 95,397 0.00195 0.99805
34 95,211 0.00205 0.99795
40 93,828 0.00315 0.99685
41 93,532 0.00342 0.99658
42 93,212 0.00371 0.99629
43 92,867 0.00403 0.99597
44 92,492 0.00437 0.99563
45 92,088 0.00473 0.99527
46 91,653 0.00512 0.99488
47 91,183 0.00553 0.99447
48 90,679 0.00597 0.99403
49 90,138 0.00646 0.99354
50 89,556 0.007 0.993
51 88,929 0.00763 0.99237
52 88,250 0.00833 0.99167
53 87,515 0.00913 0.99087
54 86,716 0.01001 0.98999
55 85,848 0.01096 0.98904
56 84,907 0.01197 0.98803
57 83,891 0.01304 0.98696
58 82,797 0.01418 0.98582
59 81,623 0.01542 0.98458
60 80,364 0.0168 0.9832
61 79,014 0.01836 0.98164
62 77,563 0.02012 0.97988
63 76,003 0.02209 0.97791
64 74,324 0.02427 0.97573
65 72,520 0.02662 0.97338
66 70,589 0.02913 0.97087
67 68,533 0.03179 0.96821
68 66,355 0.03465 0.96535
69 64,055 0.03781 0.96219
70 61,633 0.04137 0.95863
71 59,084 0.04543 0.95457
72 56,399 0.05008 0.94992
73 53,575 0.05534 0.94466
74 50,610 0.0611 0.9389
75 47,518 0.06725 0.93275
76 44,322 0.0737 0.9263
77 41,056 0.08037 0.91963
78 37,756 0.08732 0.91268
79 34,459 0.09476 0.90524
80 31,194 0.10294 0.89706
81 27,983 0.11209 0.88791
82 24,846 0.12241 0.87759
83 21,805 0.13384 0.86616
84 18,886 0.14612 0.85388
85 16,127 0.15898 0.84102
86 13,563 0.17221 0.82779
87 11,227 0.18573 0.81427
88 9,142 0.19953 0.80047
89 7,318 0.21369 0.78631
90 5,754 0.22843 0.77157
91 4,440 0.24411 0.75589
92 3,356 0.26143 0.73857
93 2,479 0.28213 0.71787
94 1,779 0.30997 0.69003
95 1,228 0.35186 0.64814
96 796 0.42099 0.57901
97 461 0.541 0.459
98 211 0.74515 0.25485
99 54 1.00000 0.00000
 i v d delta
0.054 0.94876660341556 0.05123339658444 0.05259245012

Part a EPV(benefit)=200000 * i/i(m) * ( A(40) - v^10 * 10P40 * A(50) )

i/i^(m) 1.02451498839743
A(40) 0.206748381372997
A(50) 0.307326869802024
EPV Benefit 6,840.916742

Part b Calculate premium

10E40 0.564097302006253
0.033386
0.034055
7.85652721748969
7.69133576853417
Annual Premium 885.536300631379
Quarterly Premium 221.384075157845

Part c Pr(T40>10) = 10p40 = l50/l40

Probability 0.954465272038449

Part d P(nL0 <0) = 0.95

l40 + (4x+3)/4 89,136.54
13P40 x tP53 0.95
Future lifetime 14.12
EPV Benefit outgo 173,068.61
Quarterly Premium 1,445.45012
 Part e Comment on part d

The monthly premium found in problem d is much higher, almost doubled compared to the monthly
premium found in part b. Alongside with that, both the future lifetime and the probability of making a
profit is found lower in the 4th part of the question. This leads to insurers having less time to distribute
risk and solidify funds, which results in an increase of premium charged to meet the required liquidity in
case of an insurance claim. In the real world, customers with higher risk profiles (health records) or
higher probability of death, are charged more on premiums to compensate for the case of a claim
 m i(m) d(m) i/i(m) d/d(m)
1 0.054 0.0512334 1 1
2 0.05329 0.051907 1.0133225 0.987023
4 0.05294 0.0522482 1.0200281 0.980577
v^10 * 10P40 * A(50) ) 12 0.052708 0.0524774 1.024515 0.976295
3
97
24

m u50 0.007025
53 u40 0.003155

9
7
9
5

50/l40
49

89,136.54
0.95
14.12
173,068.61
1,445.45012
d

ompared to the monthly

he probability of making a
ving less time to distribute
eet the required liquidity in
files (health records) or
for the case of a claim
 Period PV cumulative
Age px Benefit Premium PV(benefit)
(monthly) premium
40 0.99685 0 200,000 232.4533 199125.3772 232.4533
40.08333 0.99685 1 200,000 - 198254.5792 232.4533
40.16667 0.99685 2 200,000 - 197387.5893 232.4533
40.25 0.99685 3 200,000 232.4533 196524.3908 461.8702
40.33333 0.99685 4 200,000 - 195664.9672 461.8702
40.41667 0.99685 5 200,000 - 194809.3020 461.8702
40.5 0.99685 6 200,000 232.4533 193957.3787 688.2905
40.58333 0.99685 7 200,000 - 193109.1809 688.2905
40.66667 0.99685 8 200,000 - 192264.6924 688.2905
40.75 0.99685 9 200,000 232.4533 191423.8970 911.7533
40.83333 0.99685 10 200,000 - 190586.7784 911.7533
40.91667 0.99685 11 200,000 - 189753.3207 911.7533
41 0.99658 12 200,000 232.4533 188923.5078 1132.2972
41.08333 0.99658 13 200,000 - 188097.3237 1132.2972
41.16667 0.99658 14 200,000 - 187274.7526 1132.2972
41.25 0.99658 15 200,000 232.4533 186455.7788 1349.9604
41.33333 0.99658 16 200,000 - 185640.3863 1349.9604
41.41667 0.99658 17 200,000 - 184828.5598 1349.9604
41.5 0.99658 18 200,000 232.4533 184020.2834 1564.7804
41.58333 0.99658 19 200,000 - 183215.5417 1564.7804
41.66667 0.99658 20 200,000 - 182414.3192 1564.7804
41.75 0.99658 21 200,000 232.4533 181616.6005 1776.7945
41.83333 0.99658 22 200,000 - 180822.3704 1776.7945
41.91667 0.99658 23 200,000 - 180031.6136 1776.7945
42 0.99629 24 200,000 232.4533 179244.3148 1986.0391
42.08333 0.99629 25 200,000 - 178460.4589 1986.0391
42.16667 0.99629 26 200,000 - 177680.0310 1986.0391
42.25 0.99629 27 200,000 232.4533 176903.0159 2192.5507
42.33333 0.99629 28 200,000 - 176129.3988 2192.5507
42.41667 0.99629 29 200,000 - 175359.1648 2192.5507
42.5 0.99629 30 200,000 232.4533 174592.2992 2396.3647
42.58333 0.99629 31 200,000 - 173828.7872 2396.3647
42.66667 0.99629 32 200,000 - 173068.6140 2396.3647
42.75 0.99629 33 200,000 232.4533 172311.7652 2597.5166
42.83333 0.99629 34 200,000 - 171558.2262 2597.5166
42.91667 0.99629 35 200,000 - 170807.9825 2597.5166
43 0.99597 36 200,000 232.4533 170061.0197 2796.0410
43.08333 0.99597 37 200,000 - 169317.3234 2796.0410
43.16667 0.99597 38 200,000 - 168576.8795 2796.0410
43.25 0.99597 39 200,000 232.4533 167839.6735 2991.9722
43.33333 0.99597 40 200,000 - 167105.6915 2991.9722
43.41667 0.99597 41 200,000 - 166374.9192 2991.9722
43.5 0.99597 42 200,000 232.4533 165647.3427 3185.3442
43.58333 0.99597 43 200,000 - 164922.9480 3185.3442
43.66667 0.99597 44 200,000 - 164201.7211 3185.3442
43.75 0.99597 45 200,000 232.4533 163483.6482 3376.1903
43.83333 0.99597 46 200,000 - 162768.7156 3376.1903
43.91667 0.99597 47 200,000 - 162056.9094 3376.1903
44 0.99563 48 200,000 232.4533 161348.2160 3564.5436
44.08333 0.99563 49 200,000 - 160642.6219 3564.5436
44.16667 0.99563 50 200,000 - 159940.1133 3564.5436
44.25 0.99563 51 200,000 232.4533 159240.6770 3750.4366
44.33333 0.99563 52 200,000 - 158544.2993 3750.4366
44.41667 0.99563 53 200,000 - 157850.9670 3750.4366
44.5 0.99563 54 200,000 232.4533 157160.6667 3933.9015
44.58333 0.99563 55 200,000 - 156473.3852 3933.9015
44.66667 0.99563 56 200,000 - 155789.1092 3933.9015
44.75 0.99563 57 200,000 232.4533 155107.8256 4114.9700
44.83333 0.99563 58 200,000 - 154429.5214 4114.9700
44.91667 0.99563 59 200,000 - 153754.1835 4114.9700
45 0.99527 60 200,000 232.4533 153081.7989 4293.6733
45.08333 0.99527 61 200,000 - 152412.3547 4293.6733
45.16667 0.99527 62 200,000 - 151745.8381 4293.6733
45.25 0.99527 63 200,000 232.4533 151082.2362 4470.0424
45.33333 0.99527 64 200,000 - 150421.5363 4470.0424
45.41667 0.99527 65 200,000 - 149763.7258 4470.0424
45.5 0.99527 66 200,000 232.4533 149108.7919 4644.1077
45.58333 0.99527 67 200,000 - 148456.7222 4644.1077
45.66667 0.99527 68 200,000 - 147807.5040 4644.1077
45.75 0.99527 69 200,000 232.4533 147161.1249 4815.8994
45.83333 0.99527 70 200,000 - 146517.5725 4815.8994
45.91667 0.99527 71 200,000 - 145876.8344 4815.8994
46 0.99488 72 200,000 232.4533 145238.8984 4985.4471
46.08333 0.99488 73 200,000 - 144603.7521 4985.4471
46.16667 0.99488 74 200,000 - 143971.3834 4985.4471
46.25 0.99488 75 200,000 232.4533 143341.7801 5152.7802
46.33333 0.99488 76 200,000 - 142714.9301 5152.7802
46.41667 0.99488 77 200,000 - 142090.8214 5152.7802
46.5 0.99488 78 200,000 232.4533 141469.4421 5317.9276
46.58333 0.99488 79 200,000 - 140850.7800 5317.9276
46.66667 0.99488 80 200,000 - 140234.8235 5317.9276
46.75 0.99488 81 200,000 232.4533 139621.5606 5480.9179
46.83333 0.99488 82 200,000 - 139010.9796 5480.9179
46.91667 0.99488 83 200,000 - 138403.0687 5480.9179
47 0.99447 84 200,000 232.4533 137797.8163 5641.7791
47.08333 0.99447 85 200,000 - 137195.2107 5641.7791
47.16667 0.99447 86 200,000 - 136595.2404 5641.7791
47.25 0.99447 87 200,000 232.4533 135997.8938 5800.5391
47.33333 0.99447 88 200,000 - 135403.1595 5800.5391
47.41667 0.99447 89 200,000 - 134811.0260 5800.5391
47.5 0.99447 90 200,000 232.4533 134221.4820 5957.2255
47.58333 0.99447 91 200,000 - 133634.5162 5957.2255
47.66667 0.99447 92 200,000 - 133050.1172 5957.2255
47.75 0.99447 93 200,000 232.4533 132468.2738 6111.8652
47.83333 0.99447 94 200,000 - 131888.9749 6111.8652
47.91667 0.99447 95 200,000 - 131312.2094 6111.8652
48 0.99403 96 200,000 232.4533 130737.9661 6264.4849
48.08333 0.99403 97 200,000 - 130166.2341 6264.4849
48.16667 0.99403 98 200,000 - 129597.0023 6264.4849
48.25 0.99403 99 200,000 232.4533 129030.2598 6415.1112
48.33333 0.99403 100 200,000 - 128465.9957 6415.1112
48.41667 0.99403 101 200,000 - 127904.1993 6415.1112
48.5 0.99403 102 200,000 232.4533 127344.8596 6563.7699
48.58333 0.99403 103 200,000 - 126787.9660 6563.7699
48.66667 0.99403 104 200,000 - 126233.5078 6563.7699
48.75 0.99403 105 200,000 232.4533 125681.4742 6710.4869
48.83333 0.99403 106 200,000 - 125131.8548 6710.4869
48.91667 0.99403 107 200,000 - 124584.6389 6710.4869
49 0.99354 108 200,000 232.4533 124039.8161 6855.2874
49.08333 0.99354 109 200,000 - 123497.3758 6855.2874
49.16667 0.99354 110 200,000 - 122957.3077 6855.2874
49.25 0.99354 111 200,000 232.4533 122419.6013 6998.1966
49.33333 0.99354 112 200,000 - 121884.2464 6998.1966
49.41667 0.99354 113 200,000 - 121351.2327 6998.1966
49.5 0.99354 114 200,000 232.4533 120820.5499 7139.2390
49.58333 0.99354 115 200,000 - 120292.1879 7139.2390
49.66667 0.99354 116 200,000 - 119766.1364 7139.2390
49.75 0.99354 117 200,000 232.4533 119242.3854 7278.4392
49.83333 0.99354 118 200,000 - 118720.9248 7278.4392
49.91667 0.99354 119 200,000 - 118201.7447 7278.4392
50 0.993 120 200,000 232.4533 117684.8350 7415.8211
50^+ 0.954465 - 232.4533
 Loss
benefit Premium(quarterly) i (annual) v(annual)
198892.92 200,000 232.4533 0.054 0.9488
198022.13 Conclusion
197155.14
196062.52
195203.10
194347.43
193269.09
192420.89
191576.40
190512.14
189675.03
188841.57
187791.21
186965.03
186142.46
185105.82
184290.43
183478.60
182455.50
181650.76
180849.54
179839.81
179045.58
178254.82
177258.28
176474.42
175693.99
174710.47
173936.85
173166.61
172195.93
171432.42
170672.25
169714.25
168960.71
168210.47
167264.98
166521.28
165780.84
164847.70
164113.72
163382.95
162462.00
161737.60
161016.38
160107.46
159392.53
158680.72
157783.67
157078.08
156375.57
155490.24
154793.86
154100.53
153226.77
152539.48
151855.21
150992.86
150314.55
149639.21
148788.13
148118.68
147452.16
146612.19
145951.49
145293.68
144464.68
143812.61
143163.40
142345.23
141701.67
141060.94
140253.45
139618.30
138985.94
138189.00
137562.15
136938.04
136151.51
135532.85
134916.90
134140.64
133530.06
132922.15
132156.04
131553.43
130953.46
130197.35
129602.62
129010.49
128264.26
127677.29
127092.89
126356.41
125777.11
125200.34
124473.48
123901.75
123332.52
122615.15
122050.88
121489.09
120781.09
120224.20
119669.74
118970.99
118421.37
117874.15
117184.53
116642.09
116102.02
115421.40
114886.05
114353.04
113681.31
113152.95
112626.90
111963.95
111442.49
110923.31
110269.01