When using the normal distribution, choose the nearest z-value to find the probability, or if the probability is given, choose the nearest z-value. No interpolation should be used. Example: If the given z-value is 0.759, and you need to find Pr(Z < 0.759) from the normal distribution table, then choose the probability for z-value = 0.76: Pr(Z <0.76) = 0.7764. When using the normal approximation to a discrete distribution, use the continuity correction.NORMAL DISTRIBUTION TABLE Entries represent the area under the standardized normal distribution from + to z, Pr(Z<2) The value of zto the first decimal is given in the left column. ‘The second decimal place is given in the top row. 30a as a0 D0} 05000 0504005080 05120 05160 05199 O5zI0 OE2/S 05919 0.5359 0.4] 05308 05438 0.5478 05517 0.5557 0.5598 0.569 05675 OSTI4 0.5753 02] 05793 08832 05871 05910 0.5043 0.5987 0.8026 0.6084 0.6103 0.6141 0.3] O6179 0.6217 06255 0.6203 0.8331 0.6968 0.8406 06443 0.6480 0.6517 0.4] 0.6554 0.6591 0.8828 0.6684 0.6700 0.8738 0.8772 0.6808 0.6844 0.6879 0.5] 06915 0.8950 0.6985 07019 0.7054 0.7088 O7123 O7157 0.7190 0.7224 06) 0.7257 0.7291 0.7324 07357 0.7389 07422 0.7454 0.7486 0.7517 0.7549 0.7| 0.7580 o.7e11 0.7642 0.7673 0.7704 0.7734 0.7764 0.7704 0.7823 0.7852 0a] 0.7881 0.7910 0.7089 0.7087 0.7905 08023 0.8051 0.8078 0.8108 0.8133 0.9] 08159 08188 08212 0.8238 08264 0.8289 08315 0.840 0.8305 0.8369 0.084 0.8577 0.8599 0.882 08770 0.8790 0.8810 0.8830 0.8962 0.8980 0.8997 0.9018, 91st 09147 0.9162 0.9177 o.g27a 0.9292 09308 0.9319 1.0] 0.8413 0.8438 0.8481 0.8485 0.8508, ia] 0.8643 0.8565 0.8686 08708 0.8729 12} 0.8849 0.8989 0.9888 0.8907 0.8025, 12| 0.9032 o.g049 0.9068 0.9082 0.9099, al o.te2 0.9207 0.9222 09236 0.9251 og40s 0.9418 0.9429 0.94441 09515 0.9525 0.9535 0.9545 0.9008 09516 0.9625 0.9633, 0.9688 0.9883 0.9899 0.9708, 09750 09758 0.9751 0.9767 15] 0.9932 09345 0.9357 0.9370 0.9382 je] 0.0452 0.463 0.9474 0.9484 0.9495, 47] 0.9554 0.9588 0.9573 0.9582 0.9591 Yel 09641 09649 0.9858 0.9864 0.9671 9] 09713 osTie 09728 09732 09738 20| 0.9772 0.9778 . 09783 0.9788 0.9793 0.9798 0.9803 0.9608 0.9812 0.9817 2A] 0.9821 0.9826 0.9830 0.9834 0.9838 0.9842 0.9845 0.9850 0.9854 0.9857 22| 0.9861 0.9884 0.9888 0.987! 0.9875 0.9878 0.9881 0.9884 0.9867 0.9890 23] 0.9893 0.9896 0.9898 0.0001 0.9904 00006 0.9909 0.9911 0.9913 0.9916 24} 0.9918 0.9020 0.9922 0.9925 0.9927 0.9029 0.9931 0.9932 0.9934 0.9936, 2.5] 0.9938 0.9040 0.9041 0.0043 0.9945 0.9946 0.9948 0.9949 0.9951 0.0952 26] 0.9953 0.9955 0.9956 0.9957 0.9959 0.9960 0.9961 0.9962 0.9963 0.9964 27| 0.9965 0.9965 0.9967 0.9068 0.9969 0.9970 0.9971 0.9972 0.9973 0.9974 28| 0.9974 0.9975 0.9976 0.9977 0.9977 0.9978 0.9979 0.9979 0.9880 0.9981 29] 0.9981 0.9982 0.9082 0.9083 0.9984 0.9984 0.9985 0.9985 0.9986 0.9906 3.0| 0.9987 0.9987 0.9987 0.9988 0.9988 0.9989 0.9989 0.9989 0.9990 0.9900 3.1] 0.9990 0.9991 09991 0.9901 0.9902 0.992 0.9902 0.9902 0.9993 0.9903 22] 0.9993 0.9003 0.0904 0.9904 0.9994 0.9994 0.9904 0.9995 0.9995 0.9995 3.3] 0.9995 0.9095 09995 0.9908 0.9008 0.9996 0.9996 0.9996 0.9996 0.9907 34] 0.9997 0.0997 0.9997 0.9907 0.9907 0.9907 0.9907 0.9997 0.9997 0.9908 35] 0.9998 0.9998 09998 0.9908 0.9998 0.9998 0.9908 0.9998 0.9998 0.9008 36| 0.9998 0.9998 09909 0.9999 0.9909 0.9999 0.9909 0.9900 0.9999 0.9909 3.7] 0.9999 0.9999 09999 0.9909 0.9909 0.9999 “0.9999 0.9909 0.9999 0.0909 38] 0.9999 0.9999 o.9009 0.9999 0.9999 0.9909 0.9909 0.9999 0.9909 0.9909 39] 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 ‘Values of 2 for solacted valuss of Prz=2) z THz i036] 1.280] 1.645] 1.960] 2320] 2576 Paz) 0.8001 0.850] _0:900] 0.950] 0.975] 0.990] 0.995)Mlustrative Life Table: Basic Functions and Single Benefit Premiums at /= 0.06 ke 10,000,000 9,749,503, 9,705,588 9,653,731 9,617,802 9,607,896 9,597,695 9,587, 169 9,578,288 9,565,017 9,853,319 9,541,153 0,528,475, 91515,235 9,501,381 9,488,854 9,471,591 9,455,522 9,438,571 9,420,657 9,401,688 9,981,566 9,360,184 9,337,427, 9,313,166 9,287,264 9.259.571 9,229,925 9,198,149, 9,164,051, 9,127,426, 9,088,049 9,045,679 9,000,057 8,950,801 897,913 840,770 8,779,128 8.712.621 640,861, 8,503,435, 8,479,908 8,389,828 8.292.713 8,188,074 8,075,403 7,984,179 7,823,879 7,683,979 7,593,984 100045. 20.42 088 8s oat 1.03 4.08 110 113 118 122 127 1.33 139 146 153 181 170 179 1190 201 244 228 2.43 260 278 2.98 320 3.44 an 4.00 431 468 5.04 5.46 5.92 6.42 6.97 7.58 824 8.96 9.75 1062 11.58 12.62 13.76 15.01 16.38 17.38 19.52 21.32 By 16.8010 47.0379 seor9 18.7384 165133 16.4611 46.4081 16.3484 16.2878, 16.2242 16.1874 16.0873 16.0130 15.9368 15.8561 18.716 15.5831 45.5906 45.4938 15.3926, 16.2870 48.1767 15.0616, 14.9416 14.8166 14.8964 14.5510 44.4102 14.2639, 1aitat 13.9548 13.7914 13.6224 13.4475 18.2668 13.0803 12.8879, 12.6898 12.4856 122758 12.0604 11.8395 11.8133 11.3818 11.1454 40.9041 10.6584 10.4084 10.1544 A969 10004, 16007A) 49.00 3559 42.72 5255 65.28 68.24 71.35 74.82 78.05 8165 35.43 89.40 93.56 97.92 102.48 107.27 112.28 447.51 122.99 128.72 194.70 140.94 147.48 154.25 161.32 168.69 176.36 184.33 19261 201.20 210.12 219.36 22892 238.82 249.05 259.81 270.50 281.72 293.27 305.14 317.33 329.84 342.85 35575 369.13 382,79 396.70 410.85 425.22 439.80 25.02 245, 937 1133 14.30 15.08 16.87 1876 771 1875 19.87 21.07 22.38 23.79 25.31 26.95 28.72 30.83 32.68 34.88 37.28 aga1 42.65 45.48 48.63 52.01 55.62 59.48 63.61 68.02 72.72 773 83,06 88.73 04.76 101.15 107.92 115.09 12267 130.67 199.11 147.99 197.33 167.13 a7 44 198.17 499.41 211.13 223.34 236.03 1000;6, 728.54 743.89 744.04 743.74 743.18 743.01 742.88 742.68 742.49 742.29 742.08 741.81 744 54 741.24 740.81 740.55 740.16 739.72 739.25 738.73 738.16 73754 736.88 736.11 735.23 734.40 733.42 732.34 73147 729.88 728.47 728.93 725.24 723.39 raA37 719.17 716.78 714.12 71.24 708.10 704.87 700.93 696.85 692.41 687.56 682.29 676.55, 670.33, 683.58 656 23, 1000 06. 541.95 553.48 553.34 552.69 551.64 851,36 551.08, 380.73, 550.38, 549.97 549.53 549.05 548.53 547.96 547.33 548.65, 545.90 345.07 544.17 543.18 54214 540.92 539.63, 538.22 536 67 534.99 533.14 531.12 528.92 526.52 523.89 521.03 517.91 51451 S108 508.78 502.40 497.84 49247 486.68 480.79 47422 487.12 459.46 451.20 44231 43277 42254 aite1 399.94 1000206, 299,89 305.90 305.24 303.86 301.93, 301.40 300.82 300.18 299.49 298.73 297.00 297.00 206.01 294.92 20374 202.45 291.04 289.50 287.82 286.00 284.00 281.84 270.48 276.92 274.14 ari.t2 287 85 264.31 200.48 258.34 251.88 247.08 241.93 238.39 230.47 224.15 2araz 21027 202.70 194.72 108.32 1753 168.37 152.87 149.08 139.00 128 75 11838, 407.97 97.60lllustrative Life Table: Basic Functions and Single Benefit Premiums at j 7,373,338 7,201,635, 7.018.432 6,823,367 6,616,155 6,398,609 6,164,683 5,920,394 5,664,081 5,396,081 5,197,182 4,828,182 4,830,360 4,225,163 3/914,365 3,600,038 3,284,542 21870,496 2,680,734 2,358,248 2,088,090 1,787,209 11524,758 11281.083, 1,058,491 858,676 682,707 530,959 403,072 297,981 213,977 ‘ag,832 99,965 64,617 40,049 23,705 43,339 7.101 3/558 8 10004. 23.29 25.44 2779 30.37 33.18 36.28 39.62 43.30 4a73t 51.69 56.47 6168 87.37 73.58 80.30 87.64 95.61 104.28 113.60 123.89 134.94 146.89 159.81 173.75 188.77 204.93 240.88 26073 281.91 304,45 328.34 353.60 38020 408.12 437.28 46761 498.99 531.28 564.29 507.83 631.54 665.45 698.97 731.87 9.6362 9.3726 9.1066, 8.8387 3.6603 3.2988 8.0278 77568 7.4864 72170 6.0403 6.6836 6.4207 6.1610 6.8050 5.6533 5.4063 5.1645 4.9282 4.6980 44742 42571 4.0470 3.8442 36488 3.4611 3.2812 3.4081 2.9450 27888 2.6408 2.5002 2.3676 2.2428 2.1282 20152 4.9123 18164 173 19447 1.5685 1.4984 1.4341 113755 13223 4000, 100064) 454.58 469.47 484.53 499.70 514.95 530,28 545.60 560.93, 576.24 591.49 606.65 621.68 636.58 051.26 665.75 680.00 693.98 707.67 721.04 734.07 748.74 759.03, 770.92 782.41 798.48 804,09 814.27 824.01 833.30 842.14 850.53 058.48 895.99 873.06 879.70 285.93 891.76 897.19 902.23 906.90 911.22 915.19 918.82 922.14 925.15, 249.20 262.83, 276.92 291.48 306.42 321.78 337 54 353.64 370.08 388.81 403.80 421.02 438.42 455.95, 473.59 491.27 508.96 526.60 544.15 561.57 578.80 595.79 61251 628.92 644.96 660.81 675.83 690.59 704.88 718.61 731.83 744.50 756.60 768.13 779.08 709.44 799.21 808.41 817.02 825.06 83253 839.46 2845.84 851,89 887.04 100056, 648.27 639.68 630.35, 620.30 09.46 597.79 585.25 S718 557.43, 542.07 525.71 508.35 489.97 470.57 450.19 428.86 408.62 383.57 350.79 335.40 310.56 285.44 250.21 235.11 210.36 196.21 162.00 140.69 119.79 100.43 82.78 66.97 53.09 ant 3412 2291 1637 1133 7.58 488 2.99 176 0.98 os2 1000 06 387.53 374.38 360.44 345.7 330.37 31427 297.51 280.17 262.31 244.03 228.48 206.71 ‘e704 t69.31 151.00 193.19 116.06 90.81 84.59 70.56 57.83 46.50 36.61 28.17 21.13 15.41 4091 747 493 313 1.90 410 60 ost 0.48 oor 0.03 oot 9.00 0.00 0.00 0.00 000 0.00 0.00 1000206, ara? 77.38 e774 58.54 49.88 41.86 34.53 27.98 22.19 72 13.04 961 6.88 aqr 319 2.05 127 O75 0.42 on 105 0.02 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0026 2 29 20 3 33 36 38 39 40 a 42 43 48 4B 49 50 51 53 54 56 87 58 59 60 e1 62 63. 64 Wlustrative Life Table: Basic Functions and Single Benefit Premiums at /= 0.06 16.1345, 16.6432 16.4680, 16.2187 18.9005 15.8272 16.7502 18.6696, 48.5851 15.4067 15.4041 48.3073 16.2062 18.1005 44.9901 14.8750 14.7549 14.6208 14.4995 14.3640 14,2230 14.0766 13.9246 13.7670 18.8036 19.4944 13.2594 13.0786 12.8919 12.6904 125011 12.2971 12.0873 14.8720 11.8513, 11.4252 11.4941 10.9580 10.7172 10.4720 10.2207 9.9636 9.7131 9.4535, 9.1914 8.9266 e602 8.3026 i241 7.8552 1000Ax 86.73 57.93 67.98 8198 99.97 104.12 108.48 113,04 417.82 122.83, 128,07 133.55 139.27 145.28 181.50 158,02 164.82 171.90, 179.27 106.94 194.92 203.21 2iat 220.74 229.99 23956 249.47 259.70 270.27 281.18 292.39 303.94 315.81 328.00 340.49 953.29 368.37 379.74 393.37 407.24 421.35 435.68 450.20 464.90 479.75 494.72 509.80 524,95 540.15 555.38 Lives are independent. 10007 An) 50.89 1851 18.13 2187 27.00 28.33 29.77 31.33 33.01 34.82 38.77 38.87 4412 4355 46.16 48.96 51.96 55.18 58.63, 6232 08.28 70.48 74.98 7977 84.89 90.32 96.11 102.25 108.76 115.66 122.95 130.67 198.80 147.38 186.41 185.89 175.85 196.28 197.18 208.57 220.44 232.79 245.62 258,93 272.69 286.91 301.58 316.62 332.09 347.92 Bex 16,2844 16.4093 16.1541 15.8187 15.3934 15.2962 15.1945 415.0883 14.9774 14.8817 14.7401 14.8154 14.4845 14.3404 14.2068, 14.0508 13.9071 13.7488 13.5848 13.4160 43.2303 13.0579 128705 128774 12.4784 12.2737 12.0633, 11.8474 11.8260 11.3904 11.187 10.9310 10.6898 10.4441 10.1944 9.9409 9.6840 9.4240 9.1614 8.8968 8.6301 8.3623 8.0938 7.8249 7.5563 7.2885 7.0221 8.7574 6.4952 8.2360 1000A e190 10007Aresa) 78.24 nar 85.62, 104.60 128.87 194.18 139,94 145.95 192.22 198.77 165.60 172.71 180.12 197.83 195.84 204.16 212.80 21.78 231.05 240.68 250.60 260.88 271.48 282.41 293.68 305.28 3t7.17 323.39 341,92 354.75 367.87 381.28 304.02 408.82 422.98 437.31 451.85 486.57 481.43 496.42 511.50 528.68 541.88 587.08 572.28 587.44 602.53 617.50 622.34 647 02 art 19.17 270 28.49 37.00 30.11 41.38 43.83 48.48 49.28 5231 55.56 59.03 62.75 66.72 70.97 75.50 80.34 85.48 90.98 98.78 102.96 109.52 116.46 123.80 131.58 199.75 148.38 187.46 166.99 17.00 187.48 198.44 209.88 221.81 234.22 247.10 260.46 2ra27 288.54 303.24 318.35 333.85 349.73 365.94 382.48 390.26 416.30 433.53 450.93Nlustrative Be 75866 73187 7.0520 8.7372 6.5247 6.2650 6.0088 5.7565 5.5086 52855 5.0278 4.7950 4.5700 4.3807 4.4381 3.9928 3.7344 3.5438 3.3607 3.1855 3.0181 2.8587 27071 25633 2.4274 2.2901 21784 2.0851 41.9500 118600 4.7678 118823 4.6032 15304 14834 1.4023 1.3468 12962 1.2509 1.2103 1.1744 4.1428 4.1183 1.0916 1.0715 Table: Basic Fun: 1000A,. 570.57 585.74 600.83 615.82 830.68 645.37 659.88 674.16 688.19 701.95 718.44 72854 744.32 753.74 785.77 777.40 788.62 799.41 809.77 819.89 829.16 8338.19 848.7 354.91 362.60 869.86 876.70 883.11 889.11 894.72 899.93, 904.77 909.25 913.38 917.16 920.63, 923.78 926.63, 929.20 931.49 933.53 935.32 936.87 938.21 939,35, Lives are independent. 1000(°Ax.) 364.09 380,58 397.35 414.36 431 58 448.96 498.48 484.03 501.64 519.23, 596.75 554.16 Srtat 588.45 605.25 621.75 637.91 653,70 669.08 684.02 698.48 712.45 728.89 738.78 754.14 762.91 7a 784.73 794.7 804.22 813.09 821.39, 820.12 836.29 84292 849.02 854.50, 859.57 864.25, 868.38 872.04 875.27 878 10 380.53 882.60 5.9802 5.7283 5.4809 5.2385 5.0014 aq7o1 4.5450 4.3263 4.1148 3.9099 3.7125 3.8227 3.3408 3.1663 2.9908 2042 2.6905 2.5476 2.4125 2.2851 2.1652 2.0527 19475 1.8493, 1.7879 1.6731 1.8987 115225 1.4563, 113057 1.3407 1/2908 1.2480 1.2080 4.1708 1.1395 11124 10892 1.0695 110531 1.0397 1.0289 41,0205 totat 10093 ns and Single Benefit Premiums at / 0.08 100A x10 1000(°Arcxora) 661.50 875.78 889.76 703.48, 716.80 730.00 74274 755.11 787.10 778.69 789.86 300.60 810.91 820.78 83020 839.18 aa771 855.80 863.44 87066 977.44 883.81 889.77 895.33 900.50 905.30 909 73 913.82 917.57 921100 924.14 926.93 929.47 981.73, 933.74 935.50 997.03 938.35 939.46 940.39 941.15 941.76 942.24 942.60 942 87 468.44 486.02 503.62 521.24 538.72 856.11 573.34 590.36 807.12 623.59 639.71 855.46 870.79 88567 700.08 713.99 27.37 740.24 752.49 764.20 77534 785.89 798.86 805.25, 814.05 822.29 829.96 837.07 843.64 849.87 855.20 860.21 864.75 868.81 872.43, 87561 878.39 880.78 882.81 884.50 885.89 887.00 887.87 388 54 289.03, 101 102 104 105 106 107 408 109 110x 0 3 2 33 4 35 37 38 30 40 4“ a a “a 45 46 a7 3 ° 59 51 53 Py 87 58 50 60 6 2 53 84 6 66 or 6 cy 70 Mlustrative Service Table ye 100,000 ae 400 80 7 a 60 o 8 ca n n 18 33 I 96 104 ne 13 133 143 156 182 188 208 26 240 258 218 2 36 313 208 24 2 287 208 147 18 83 a 7 ai” 18,990 34,376 3a7t 2.893 {Veer 1.434 1181 89 813 720 633 550 505 462 az 413 373 338 299 203 259 a 28 213 tee 178 148 120 a? 102 42 1a 132 “3 17 169 183 213 a? 51587 2892 41350 2.008 4448 41302 1522 11381 1004 ‘970 o 0.98000 0.05913 0.05870 0.05841 0.05827 8 aRans where a(n) = Special Notes: Interest Functions. Interest Functions at /= 0.06 a aoe 4 gaan tae pay came an me id Tiny fomy "4 ed 4) BOO a oy ad 4.00000 0.98554 o.s7es2 + 0.97378 o.s7142 acm) 4.00000 tLoaa2t 1.00027 4.00028 100028 Bim) 9.00000 0.25739 o.s8a24 0.49812 0.50885 1. Unless specified, the force of interest is constant in each question. 2. Unless specified, future lifetimes are independent in each question. 3. Unless specified, all lives in a question follow the same mortality table.