112 MATHEMATICS OF LIFE INSURANCE

TABLE II.—AMERICAN EXPERIENCE TABLE OF MORTALITY

1 2 3 4 5 6 7

Yearly Yearly Complete

probability of probability of expectation Dx
Number । Number dying Qx living of life ex0
Age X living lx dying dx
10 100000 749 0.00749 0.99251 48.72 70891.9
11 99251 746 0.007516 0.992484 48.09 67951.5
12 98505 743 0.007543 0.992457 47.45 65189
13 97762 740 0.007569 0.992421 46.8 62509.4
14 97022 737 0.007596 0.992404 46.16 59938.4
15 96285 735 0.007634 0.992366 45.51 57471.6
16 95550 732 0.007661 0.992339 44.85 55104.2
17 94818 729 0.007688 0.992312 44.19 52832.9
18 94089 727 0.007727 0.992273 43.53 50653.9
19 93362 725 0.007765 0.992235 42.87 48562.8
20 92637 723 0.007805 0.992195 42.2 46556.2
21 91914 722 0.007855 0.992145 41.53 44630.8
22 91192 721 0.007906 0.992094 40.85 42782.8
23 90471 720 0.007958 0.992042 40.17 41009.2
24 89751 719 0.008011 0.991989 39.49 39307.1
25 89032 718 0.008065 0.991935 38.81 37673.6
26 88314 718 0.00813 0.99187 38.12 36106.1
27 87596 718 0.008197 0.991803 37.43 34601.5
28 86878 718 0.008264 0.991736 36.73 33157.4
29 86160 719 0.008345 0.991655 36.03 31771.3
30 85441 720 0.008427 0.991573 35.33 30440.8
31 84721 721 0.00851 0.99149 34.63 29163.5
32 84000 723 0.008607 0.991393 33.92 27937.5
33 83277 726 0.008718 0.991282 33.21 26760.5
34 82551 729 0.008831 0.991169 32.5 25630.1
35 81822 732 0.008946 0.991054 31.78 24544.7
36 81090 737 0.009089 0.990911 31.07 23502.5
37 80353 742 0.009234 0.990766 30.35 22501.4
38 79611 749 0.009408 0.990592 29.63 21539.7
39 78862 756 0.009586 0.990414 28.9 20615.5
40 78106 765 0.009794 0.990206 28.18 19727.4
41 77341 774 0.010008 0.989992 27.45 18873.6
42 76567 785 0.010252 0.989748 26.72 18052.9
43 75782 797 0.010517 0.989483 25.99 17263.6
44 74985 812 0.010829 0.989171 25.27 16504.4
45 74173 828 0.011163 0.988837 24.54 15773.6
46 73345 848 0.011562 0.988438 23.81 15070
47 72497 870 0.012 0.988 23.08 14392.1
48 71627 896 0.012509 0.987491 22.35 13738.5
49 70731 927 0.013106 0.986894 21.63 13107.9
50 69804 962 0.013781 0.986219 20.91 12498.6
51 68842 1001 0.014541 0.985459 20.2 11909.6
52 67841 1044 0.015389 0.984611 19.49 11339.5
53 66797 1091 0.016333 0.983667 18.79 10787.4
54 65706 1143 0.017396 0.982604 18.09 10252.4
55 64563 1199 0.018571 0.981429 17.4 9733.4
56 63361 1260 0.019885 0.980115 16.72 9229.6
57 62104 1325 0.021335 0.978665 16.05 8740.17
58 60779 1394 0.022936 0.977064 15.39 8264.44
59 59385 1468 0.02472 0.97528 14.74 7801.83
60 57917 1546 0.026693 0.973307 14.1 7351.65
61 56371 1628 0.02888 0.97112 13.47 6913.44
62 54743 1713 0.031292 0.968708 12.86 6486.75
63 53030 1800 0.033943 0.966057 12.26 6071.27
64 51230 1889 0.036873 0.963127 11.67 5666.85
65 49341 1980 0.040129 0.959871 11.1 5273.33
66 47361 2070 0.043707 0.956293 10.54 4890.55
67 45291 2158 0.047647 0.952353 10 4518.65
68 43133 2243 0.052002 0.947998 9.47 4157.82
69 40890 2321 0.056762 0.943238 8.97 3808.32
70 38569 2391 0.061993 0.938007 8.48 3470.67
71 36178 2448 0.067665 0.932335 8 3145.43
72 33730 2487 0.073733 0.926267 7.55 2833.42
73 31243 2505 0.080178 0.919822 7.11 2535.75
74 28738 2501 0.087028 0.912972 6.68 2253.57
75 26237 2476 0.094371 0.905629 6.27 1987.87
76 23761 2431 0.102311 0.897689 5.88 1739.39
77 21330 2369 0.111064 0.888936 5.49 1508.63
78 18961 2291 0.120827 0.879173 5.11 1295.73
79 16670 2196 0.131734 0.868266 4.75 1100.65
80 14474 2091 0.144466 0.855534 4.39 923.338
81 12383 1964 0.158605 0.841395 4.05 763.234
82 10419 1816 0.174297 0.825703 3.71 620.465
83 8603 1648 0.191561 0.808439 3.39 494.995
84 6955 1470 0.211359 0.788641 3.08 386.641
85 5485 1292 0.235552 0.764448 2.77 294.61
86 4193 1114 0.265681 0.734319 2.47 217.598
87 3079 933 0.30302 0.69698 2.18 154.383
88 2146 744 0.346692 0.653308 1.91 103.963
89 1402 555 0.395863 0.604137 1.66 65.6231
90 847 385 0.454545 0.545455 1.42 38.3047
91 462 246 0.532466 0.467534 1.19 20.1869
92 216 137 0.634259 0.365741 0.98 9.11889
93 79 58 0.734177 0.265823 0.8 3.22236
94 21 18 0.857143 0.142857 0.64 0.827611
95 3 3 1 0 0.5 0.114232
 8 9 10 11 12

Nx Mx Rx Ux kx

1575535.3 17612.91 552495.74 1.04281 0.00755

1504643.4 17099.89 534882.83 1.04284 0.00757
1436661.9 16606.2 517782.94 1.04287 0.0076
1371472.9 16131.12 501176.74 1.04289 0.00763
1308963.5 15673.96 485045.62 1.04292 0.00765
1249025 15234.05 469371.66 1.04296 0.00769
1191553.4 14810.17 454137.61 1.04299 0.00772
1136449.2 14402.3 439327.44 1.04302 0.00775
1083616.2 14009.83 424925.14 1.04306 0.00779
1032962.4 13631.68 410915.31 1.0431 0.00783
984399.6 13267.32 397283.63 1.04314 0.00787
937843.3 12916.25 384016.31 1.0432 0.00792
893212.5 12577.53 371100.06 1.04325 0.00797
850429.7 12250.71 358522.53 1.0433 0.00802
809420.5 11935.38 346271.82 1.04336 0.00808
770113.4 11631.14 334336.44 1.04341 0.00813
732439.8 11337.59 322705.3 1.04348 0.0082
696333.7 11053.97 311367.71 1.04355 0.00826
661733.2 10779.94 300313.74 1.04363 0.00833
628574.8 10515.18 289533.8 1.04371 0.00842
596803.6 10259.02 279018.62 1.0438 0.0085
566362.9 10011.17 268759.6 1.04388 0.00858
537199.3 9771.375 258748.43 1.04398 0.00868
509261.8 9539.044 248977.06 1.0441 0.0088
482501.3 9313.638 239438.01 1.04422 0.00891
456871.2 9094.955 230124.38 1.04434 0.00903
432326.5 8882.798 221029.42 1.04449 0.00917
408824 8676.415 212146.62 1.04465 0.00932
386322.6 8475.658 203470.21 1.04483 0.0095
364782.9 8279.86 194994.55 1.04502 0.00968
344167.4 8088.915 186714.69 1.04524 0.00989
324440 7902.231 178625.77 1.04546 0.01011
305566.3 7719.738 170723.54 1.04572 0.01036
287513.4 7540.91 163003.81 1.046 0.01063
270249.8 7365.489 155462.9 1.04633 0.01095
253745.5 7192.809 148097.41 1.04669 0.01129
237971.9 7022.682 140904.6 1.0471 0.0117
222901.9 6854.337 133881.92 1.04757 0.01215
208509.8 6687.466 127027.58 1.04811 0.01267
194771.3 6521.419 120340.11 1.04875 0.01328
181663.4 6355.436 113818.69 1.04946 0.01397
169164.7 6189.012 107463.26 1.05028 0.01476
157255.2 6021.696 101274.25 1.05118 0.01563
145915.7 5853.095 95252.549 1.05218 0.0166
135128.2 5682.861 89399.454 1.05332 0.0177
124875.8 5510.544 83716.593 1.05459 0.01892
115142.4 5335.898 78206.049 1.056 0.02029
105912.8 5158.573 72870.151 1.05756 0.0215
97172.64 4978.405 67,711,578 1.0593 0.02347
88908.2 4795.266 62733.173 1.06124 0.02535
81106.38 4608.926 57937.907 1.06339 0.02743
73754.73 4419.322 53328.981 1.06578 0.02974
66841.28 4226.413 48909.659 1.06843 0.0323
60354.54 4030.296 44683.246 1.07137 0.03514
54283.27 3831.187 40652.95 1.07463 0.03829
48616.41 3629.3 36821.763 1.07827 0.04181
43343.08 3424.843 33192.463 1.0823 0.0457
38452.53 3218.321 29767.62 1.08678 0.05003
33933.88 3010.299 26549.299 1.09177 0.05485
29776.06 2801.396 23539 1.09729 0.06018
25967.74 2592.538 20737.604 1.1034 0.06609
22497.07 2384.657 18145.066 1.11012 0.07258
19351.64 2179.018 15760.409 1.11739 0.0796
16518.22 1977.167 13581.391 1.12522 0.08717
13982.47 1780.731 11604.224 1.13366 0.09532
11728.9 1591.24 9823.493 1.14286 0.0142
9741.028 1409.988 8232.253 1.15296 0.11397
8001.633 1238.047 6822.265 1.16431 0.12494
6492.999 1076.158 5584.2175 1.17724 0.13743
5197.271 924.8937 4508.0595 1.19203 0.15172
4096.624 784.8046 3583.1658 1.20977 0.16886
3173.286 655.9245 2798.3612 1.2301 0.1885
2410.052 538.9657 2142.4367 1.25348 0.21109
1789.587 434.4776 1603.471 1.28024 0.23695
1294.592 342.8624 1168.9934 1.31238 0.268
907.9513 263.9059 826.131 1.35392 0.30813
613.3417 196.8569 562.2251 1.40947 0.36181
395.7438 141.0003 365.3682 1.48498 0.43476
241.3609 95.80107 224.36789 1.58424 0.53067
137.3978 60.97681 128.56682 1.71319 0.65525
71.7747 35.87755 67.59001 1.8975 0.83333
33.47001 19.05509 31.71246 2.21375 1.13889
13.28309 8.669695 12.657371 2.82988 1.73418
4.16421 3.081545 3.987676 3.89357 2.76191
0.94184 0.795762 0.906131 7.245 6
0.114232 0.110369 0.110369
TABLE IV- HUNTER'S MAKEHAMIZED AMERICAN EXPERIENCE
TABLE OF MORTALITY COMMUTATION COLUMNS AT 3 1/2 PER CENT
1 2 3 4 5 6 7
Age lx ux Dww Nww Sww Mww
10 100081 0.00768 71007 1351282 22497704.775 25311
11 99315 0.00767 67561 1280275 21146422.775 24267
12 98553 0.0077 64277 1127714 19866147.775 23264
13 97796 0.00772 61150 1148437 18738433.775 22314
14 97044 0.00773 58181 1087287 17589996.775 21413
15 96296 0.00775 55350 1029106 16502709.775 20549
16 95552 0.00776 52655 973756 15473603.775 19726
17 94812 0.00778 50089 921101 14499847.775 18941
18 94076 0.00781 47648 871012 13578746.775 18192
19 93343 0.00783 45321 823364 12707734.775 17478
20 92614 0.00786 43108 778043 11884370.775 16797
21 91888 0.00788 41000 734935 11106327.775 16145
22 91165 0.00792 38993 693935 10371392.775 15527
23 90444 0.00795 37080 654942 9677457.775 14932
24 89726 0.00799 35260 617862 9022515.775 14366
25 89010 0.00804 33525 582602 8404653.775 13823
26 88295 0.00809 31874 549077 7822051.775 13306
27 87581 0.00814 30298 517203 7272974.775 12805
28 86868 0.00821 28800 486905 6755771.775 12335
29 86156 0.00827 27372 458105 6268866.775 11880
30 85442 0.00835 26009 430733 5810761.775 11443
31 84728 0.00843 24712 404724 5380028.775 11026
32 84013 0.00853 23475 380012 4975304.775 10624
33 83295 0.00863 22295 356537 4595292.775 10238
34 82575 0.00875 21170 334242 4238755.775 9867
35 81850 0.00888 20097 313072 3904513.775 9510
36 81121 0.00902 19073 292975 3591441.775 9166
37 80387 0.00918 18096 273902 3298466.775 8834
38 79646 0.00935 17164 255806 3024564.775 8514
39 78896 0.00955 16272 238642 2768758.775 8202
40 78138 0.00977 15421 222370 2530116.775 7901
41 77369 0.01001 14608 206949 2307746.775 7609
42 76589 0.01028 13831 192341 2100797.775 7326
43 75794 0.01058 13086 178510 1908456.775 7050
44 74985 0.01091 12376 165424 1729946.775 6782
45 74158 0.01128 11695 153048 1564522.775 6519
46 73311 0.01169 11043 141353 1411474.775 6263
47 72443 0.01215 10418 130310 1270121.775 6012
48 71551 0.01265 9819.6 119891.8 1139811.775 5765
49 70631 0.01321 9245.1 110072.2 1019919.975 5523
50 69683 0.01384 8694.3 100827.1 909847.77504 5285
51 68702 0.01453 8165.4 92132.8 809020.67504 5050
52 67685 0.01531 7657.5 83967.4 716887.87504 4818
53 66628 0.01617 7169.3 76309.9 632920.47504 4589
54 65529 0.01712 6700.2 69140.6 556610.57504 4362
55 64383 0.01818 6249.1 62440.4 487469.97504 4138
56 63187 0.01936 5815.7 56191.3 425029.57504 3915
57 61936 0.02066 5398.6 50375.6 368838.27504 3695
58 60626 0.02212 4997.3 44977.7 318462.67504 3477
59 59253 0.02373 4612.6 39979.7 273484.97504 3261
60 57812 0.02553 4242.5 35367.1 233505.27504 3047
61 56300 0.02752 3887.4 31124.6 198138.17504 2835
62 54711 0.02974 3547 27237.2 167013.57504 2626
63 53044 0.0322 3221.3 23690.2 139776.37504 2420
64 51294 0.03494 2910.5 20468.9 116086.17504 2218
65 49459 0.03798 2614.3 17558.4 95617.27504 2021
66 47536 0.04136 2333.4 14944.1 78058.87504 1828
67 45526 0.04512 2068.2 12610.7 63114.77504 1641
68 43429 0.04929 1818.1 10542.5 50504.07504 1462
69 41246 0.05393 1584.4 8724.4 39961.57504 1289
70 38982 0.05908 1367.3 7140 31237.17504 1126
71 36642 0.06481 1167.3 5772.7 24097.17504 972.1
72 34235 0.07117 984.53 4605.39 18324.47504 828.8
73 31773 0.07824 819.35 3620.86 13719.08504 697
74 29269 0.0861 671.79 2801.51 10098.22504 577.1
75 26739 0.09483 541.69 2129.72 7296.71504 469.7
76 24204 0.10453 428.86 1588.03 5166.99504 375.2
77 21687 0.11531 332.65 1159.17 3578.96504 293.5
78 19211 0.12729 252.2 826.52 2419.79504 224.3
79 16805 0.1406 186.46 574.32 1593.27504 167
80 14495 0.1554 134.03 387.86 1018.95504 120.9
81 12309 0.17183 93.388 253.829 631.09504 84.8
82 10273 0.1901 62.847 160.441 377.26604 57.42
83 8410 0.2104 40.696 97.594 216.82504 37.94
84 6739 0.23295 25.247 56.898 119.23104 23.32
85 5274 0.25801 14.94 31.651 62.33304 13.87
86 4019 0.28586 8.3826 16.711 30.68204 7.817
87 2974 0.31681 4.4349 8.3284 13.97104 4.153
88 2130 0.3512 2.1979 2.8935 5.64264 2.066
89 1471 0.38941 1.0128 1.6956 2.74914 0.9555
90 976 0.43187 0.4308 0.68276 1.05354 0.4077
91 619 0.47905 0.16742 0.25196 0.37078 0.1589
92 374 0.53149 0.05905 0.08454 0.11882 0.0562
93 214 0.58975 0.01868 0.02549 0.03428 0.0178
94 115 0.65449 0.00521 0.00681 0.00879 0.005
95 58 0.72643 0.00128 0.0016 0.00198 0.0012
96 27 0.80637 0.00027 0.00032 0.00038 0.0003
97 11 0.89521 0.00004 0.00005 0.00006
98 4 0.99392 0.00001 0.00001 0.00001
99 1
 8 9
Cww Rww
1044 587606.6
1003 562295.6
950 538028.6
901 514764.6
864 492450.6
823 471037.6
785 450488.6
749 430762.6
714 411821.6
681 393629.6
652 376151.6
618 359354.6
595 343209.6
566 327682.6
543 312750.6
517 298384.6
501 284561.6
470 271255.6
455 258450.6
437 246115.6
417 234235.6
402 222792.6
386 211766.6
371 201142.6
357 190904.6
344 181037.6
332 171527.6
320 162361.6
312 153527.6
301 145013.6
292 136811.6
283 128910.6
276 121301.6
268 113975.6
263 106925.6
256 100143.6
251 93624.59
247 87361.59
 242 81349.59
238 75584.59
235 70061.59
232 64776.59
229 59726.59
227 54908.59
224 50319.59
223 45957.59
220 41819.59
218 37904.59
216 34209.59
214 30732.59
212 27471.59
209 24424.59
206 21589.59
202 18963.59
197 16543.59
193 14325.59
187 12304.59
179 10476.59
173 8835.589
163 7373.589
153.9 6084.589
143.3 4958.589
131.8 3986.489
119.9 3157.689
107.4 2460.689
94.5 1883.589
81.7 1413.889
69.2 1038.689
57.3 745.1886
46.1 520.8886
36.1 353.8886
27.38 232.9886
19.48 148.1886
14.62 90.7686
9.45 52.8286
6.053 29.5086
3.664 15.6386
2.087 7.8216
1.1105 3.6686
0.5478 1.6026
0.2488 0.6471
0.1027 0.2394
0.0384 0.0805
0.0128 0.0243
0.0038 0.0065
0.0009 0.0015
0.0003 0.0003
0
0
0