12. A policy is issued at age 20 with the following graded scale of death benefits payable at the moment of death. Age Death Benefits 20-24 1,000 25-29 5,000 30-40 10,000 41 and over 20,000 Calculate the actuarial present value on the basis of the Illustrative Life Table with uniform distribution of deaths over each year of age and i = 0.06. Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 X 5 10 15 20 x 1000gx 10,000,000 20.42 9.749,503 0.98 9,705,588 0 85 9.663,731 0.91 9,617,802 103 9,607,896 1.06 9,597,695 1.10 9,587,169 1.13 9,578,288 1.18 9,565,017 122 16.B010 17.0379 16.9119 16.7384 16 5133 1000A 1000FAQ 49.00 25 92 35 59 8.45 4272 937 52 55 11 33 65.28 14.30 68.24 15.08 71.35 15.87 74.62 16.76 78 05 17.71 81 65 18.75 1000 E- 1000isk, 1000aE. 728 54 541.95 299.89 743.89 553,48 305.90 744.04 553.34 305.24 743.71 552.69 303.98 743 16 551 64 301.93 10 15 20 21 22 23 24 25 16.4611 16.4051 16.3484 16 2878 16.2242 743.01 742 86 74268 742.49 742 29 551,36 551.08 550.73 550 38 549 97 301.40 300.82 300.19 299.49 298.73 21 22 23 24 25 26 27 28 29 30 9,553,319 9,541,153 9,528,475 9,515,235 9,501,381 127 1.33 1 39 1.46 1.53 16.1574 16.0873 16.0139 15.9368 15 8561 85.43 89.40 93.56 9782 102.48 19.87 21.07 2238 23.79 25.31 742.00 741.81 741 54 741 24 740.91 549.53 549,05 548.53 547.96 547.33 297.90 297.00 296.01 294.92 293 74 26 27 28 29 30 31 32 33 34 35 9,486,854 9,471,591 9,455,522 9,438,571 9,420,657 1.61 1.70 1.79 1 90 2.01 15.7716 15.6831 15.5908 15.4938 15.3926 107 27 112.28 117.51 122.99 128.72 26.95 26.72 30.63 32.68 34.88 740.55 740.16 739.72 739.25 738.73 546 65 545 80 545.07 544.17 543.18 292.45 291.04 289.50 287.82 286.00 31 32 33 34 35 36 37 38 39 40 9,401,688 9,381,568 9,360, 184 9,337,427 9,313,166 2.14 228 2.43 2.60 2.78 15.2870 15, 1767 15.0518 14.9416 14.8165 134.70 140.94 147.48 154.25 151.32 37 28 39.81 4255 45.48 48.83 738.16 737 54 736.86 738 11 735 29 542.11 540.92 539.63 538 22 536 67 284.00 281.84 279.48 270.92 274.14 36 37 38 39 40 rasp5mmwmwwwm % 41 42 43 44 45 9,287 264 9,259,571 9,229.925 9,198,149 9,164,051 2.98 3 20 3.44 3.71 4.00 146864 14 5510 14.4102 14 2539 141121 168.69 175 38 184.33 19261 20120 52.01 55.62 59.48 63 61 68 02 734.40 733.42 732 34 731 17 729 88 534.99 533.14 531.12 528.92 526.52 271, 12 287 85 264.31 260.48 256 34 41 42 43 44 45 47 48 49 50 9,127,426 9,038,040 9,045,879 9,000.057 8,950,901 4.31 4.66 5.04 5.46 5.92 13.9546 13.7914 13.6224 13.4475 13.2868 210.12 219.35 228 92 238 82 249.05 72.72 77 73 83.08 88.73 94 78 728.47 728 93 725 24 723 39 721 37 523 89 521.03 517.91 514.51 510.81 251.BE 247.08 241.93 238,39 230.47 48 47 48 49 50 51 52 53 54 55 6.42 6.97 7.58 8.24 8 98 13 0803 12.8879 12 6895 124858 12 2758 259.61 270 50 281.72 293 27 305 14 101.15 107.92 115.09 122.67 130 67 719 17 716 78 714 12 711.24 708.10 506.78 502.40 497.84 492.47 486.86 224.15 217.42 210 27 202.70 19472 51 52 53 54 55 8,897,913 8,840,770 8,779,128 8,712,621 8.640,861 8,563,435 8,479,908 8,389,826 8.292.713 8,188,074 56 57 58 59 60 9.75 10.62 11.58 1262 13.76 12.0604 11.8395 11.6133 11,3818 11.1454 317 33 329 84 34255 355 75 369.13 139 11 147.99 157 33 167.13 177 41 704.67 700.93 696.85 692.41 687 56 480.79 474 22 467.12 459.46 451 20 186 32 177 53 168 37 158 87 149 06 56 57 58 59 60 61 61 62 63 64 65 8,075,403 7,954,179 7,823,879 7,663,979 7,533,984 15 01 16.38 17.88 19.52 21.32 10.9041 10.6584 10.4084 10.1544 9.8969 38279 396 70 410.85 425 22 439.80 188 17 19941 211.13 223 34 236.03 682 29 676 56 670 33 663 56 656 23 442 31 432.77 422 54 41161 399 94 139 00 128 75 118 38 107 97 97 60 63 64 65 Illustrative Life Table: Basic Functions and Single Benefit Premiums at 10.06 x a x 66 67 88 69 70 k 7,373, 338 7,201,635 7,018,432 6,823,387 6,616,155 10000 23.29 25.44 27.79 30.37 33.18 9.6362 9.3726 9.1068 8.8387 8.5893 1000A, 1000AJ 1000, 1000,0. 454.56 249 20 648.27 387 53 469.47 262.83 639 66 374.38 484.53 276.92 630 35 380.44 499.70 291.46 620.30 345.77 514.95 306.42 609.46 330 37 1000E. 8737 77.38 67.74 58.54 49 88 68 67 68 69 70 71 72 73 74 75 6,396,609 6,184,863 5,920,394 5,084,051 5,396,081 38 26 39.62 43.30 47.31 51.69 8.2988 8.0278 7.7568 7.4864 7.2170 530.26 545.60 560 93 576.24 591.49 321.78 337.54 353 64 370.08 386.81 597.79 585 25 571.81 557.43 542 07 314 27 297.51 280.17 262.31 244.03 41.88 34 53 27.96 22.19 17 22 71 72 73 74 75 78 77 78 79 80 5,117,152 4,828,182 4,530,380 4,225,163 3,914,365 56.47 61 68 67.37 73.56 80.30 6.9493 6.6838 6.4207 8.1610 5.9050 606.65 621.68 838.56 651.26 665 75 403.80 421 02 438.42 455.85 473.59 525.71 508 35 489.97 470 57 450 19 225.48 206.71 187.94 169 31 151 00 13.04 9.61 8.88 4.77 3.19 78 77 78 79 80 81 82 83 84 85 3,600,038 3,284,542 2,970,496 2,680,734 2,358,246 87 64 95.81 104 28 113.69 123.89 5.6533 5.4083 5.1645 4.9282 4.6980 680.00 693.98 707.67 721.04 734.07 491 27 508.08 526.60 544.15 581 57 428.86 406.62 383.57 359.79 335.40 133.10 116.06 99.81 84.59 70 56 205 127 0.75 0.42 022 81 82 83 84 85 86 87 88 89 90 2,056,090 1,787.299 1,524,758 1,281,083 1,058,491 134.94 146.89 159.81 173.75 188.77 4.4742 4.2571 4.0470 3.8442 3 6488 746.74 759.03 770.92 782.41 793.46 578.80 595.79 612.51 628.92 644 96 310.56 285.44 260.21 235.11 210.36 57.83 46.50 36.61 28.17 21.13 0.11 0.05 0.02 0.01 0.00 88 87 BB 89 90 91 858,676 682,707 530,959 403,072 297,981 204.93 222 27 240.86 260 73 281.91 3.4611 3 2812 3.1091 2.9450 2.7888 804.09 814.27 824.01 833 30 842 14 660 61 675.83 690 59 704.86 718.61 186 21 162 90 140.69 119.79 100.43 15.41 10 91 7.47 4.93 313 0.00 000 0.00 0.00 000 91 92 93 94 95 94 95 96 97 98 99 100 213,977 148,832 99,965 14,617 40.049 304,45 328.34 353.60 380 20 408 12 2.6406 2.5002 2.3678 22426 2. 1252 850.53 858.48 865.99 873 06 879.70 731 83 744.50 756 60 768.13 779 08 82.78 66 97 53 09 41.14 31.12 1.90 1.10 0.60 0.31 0.00 0.00 0.00 0.00 98 97 98 99 100 0.15 0.00 101 102 103 104 105 23,705 13,339 7,101 3,558 1,668 437 28 467.61 498.99 531 28 584 29 20152 1.9123 1.8164 1.7273 1.6447 885.93 891.76 897.19 90223 906.90 789.44 799 21 808.41 817.02 825 06 22 91 16.37 11 33 7.58 4 86 0.07 0.03 0.01 000 000 0.00 0.00 0.00 0.00 0.00 101 102 103 104 105 105 107 108 109 110 727 292 108 36 11 597 83 831.64 665.45 698.97 731.87 1.5685 1.4984 1.4341 1.3755 1.3223 911 22 915 19 918.82 922 14 925 15 832.53 839.46 845 84 851.69 85704 2.99 1.76 0.98 0 52 0 28 000 0.00 000 0.00 0.00 000 0.00 0.00 000 0.00 108 107 108 109 110 Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 Lives are independent 1000 100ofA arm 1000 are 1000FA. 16.1345 86.73 50.89 15.2844 78 24 34.71 16.6432 57.93 16.51 16.4093 71.17 19.17 16.4680 87.96 18.13 16.1541 85.62 22.70 16.2187 81.96 21.67 15.8187 104.50 28.49 15.9005 99 97 27.00 15.3934 128.67 37.00 X 10 15 20 5 10 15 20 21 22 23 24 25 15.8272 15.7502 15.6696 15.5851 15.4967 104.12 108.48 113.04 117.82 122.83 28.33 29.77 31.33 33.01 34.82 15.2982 15.1945 15.0883 14.9774 14.8617 134.18 139.94 145.95 152.22 158.77 39.11 41.39 43.83 46.46 49.28 21 22 23 24 25 26 27 15.4041 15.3073 15.2062 15.1005 14.9901 128.07 133.55 139.27 145.25 151.50 36.77 38.87 41.12 43.55 46.16 165.60 172.71 180.12 187.83 195.84 5231 55.56 59.03 6275 66.72 30 14.7411 14.6154 14.4845 14.3484 14.2068 14.0598 13.9071 13.7488 13.5848 13.4150 31 32 31 32 33 34 35 158.02 164.82 171.90 179.27 188.94 48.95 51.96 55.18 58.63 62.32 204.16 212.80 221.78 231.05 240.88 70.97 75.50 80.34 85.48 34 35 14.8750 14.7549 14.6298 14.4995 14.3640 14.2230 14.0706 13.9246 13.7670 13.6036 36 37 33 39 40 x one58 #wn% % u& 194.92 203.21 211.81 220.74 229.99 600 70.48 74.99 79.77 84.89 13.2393 13.0579 12.8705 12.6774 12.4784 250.60 260.88 271.48 262.41 293.68 TE 102.90 109.52 110.40 123.80 38 37 39 40 x onbbw w88w88888 m88%mbH8 41 42 43 44 45 13.4344 13.2594 13.0786 12.8919 12.6994 239 56 249.47 259.70 270.27 281.16 90.32 96.15 102 25 115 12.2737 12.0633 11.8474 11.6280 11 3994 305.20 317.17 329.39 341.92 354.75 131.56 139.75 148.38 157.46 188.99 41 42 43 45 46 47 48 49 50 12.5011 12.2971 12.0873 11.8720 11.6513 292.39 303.94 315.81 328.00 340 49 122.95 130.67 138,80 147.38 156.41 11.1677 10 9310 10.6898 10.4441 10.1944 367.87 381.26 3944.92 408,82 422.96 17700 187.48 198.44 209.88 221.81 46 47 48 49 50 51 52 53 54 55 11.4252 11. 1941 10.9580 10.7172 10.4720 353.29 368.37 379.74 393.37 407 24 165.89 175.85 186.28 197.18 208,57 437.31 451.85 486.57 481.43 496.42 234.22 247.10 260.48 274 27 288.54 51 52 53 54 55 9.9409 9.6840 9.4240 9.1614 8.8966 8.6301 8.3623 8.0938 7.8249 7.5563 57 58 59 60 10.2227 9.9696 9.7131 9.4535 9.1911 42135 435.68 450.20 464.90 479.75 220.44 232.79 245 62 258.93 272.69 511.50 525.66 541.86 55708 572.28 303 24 318 35 333.85 349.73 365.94 56 57 58 59 60 61 62 63 64 65 8 9266 8.6602 8.3825 8.1241 7 8552 494.72 509 80 $24.95 540.15 555 38 286.91 301.58 316.62 332 09 347 92 72885 70221 6.7574 6.4952 62360 587.44 602 53 617.50 632 34 847 02 382.48 399.28 418.30 433.53 450.93 61 62 63 54 Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 Lives are independent X 66 67 88 89 70 75886 73187 7.0520 6.7872 8 5247 dor10 5.9802 5.7283 5.4809 5.2385 5.0014 1000A 1000/Ad 570 57 354.09 585.74 380 58 600.83 39735 615.82 414 36 630 68 431 58 845.37 448 98 659 88 458.48 674.18 484 03 688.19 501.64 701,95 519.23 1000AC 1000Acord 681.50 468.44 675 76 488.02 689 78 503.62 703.48 521.21 716.90 538.72 68 B7 88 70 71 72 73 74 75 6.2650 6 0088 5.7565 5.5088 52655 4.7701 4.5450 4.3203 4.1146 3.9099 730 00 742 74 755.11 787.10 778 69 556.11 573.34 590.36 607.12 623 50 71 72 73 74 75 76 77 78 79 80 5.0278 4.7950 4.5700 4.3507 4.1381 538 75 554.16 571.41 588.45 605 25 3.7125 3.5227 3.3406 3.1663 2.9998 789 80 800 80 810.91 820.78 830 20 639.71 656.46 670.79 685 67 700.08 76 77 78 79 715.41 728.54 741 32 753.74 765.77 777.40 78862 799.41 809.77 819.69 81 82 83 84 85 3.9326 3.7344 3.5438 3.3607 3.1856 621.75 637 91 653.70 669.08 684 02 2.8412 2.6905 2.5476 2.4125 22851 839.18 847.71 855.80 863.44 870 66 713.90 727.37 740 21 752.49 704.20 81 82 83 84 85 88 87 88 89 90 3.0181 2.8587 2.7071 25633 2.4274 829.16 838, 19 846.77 854.01 862.60 698.48 712.45 725.89 738.79 751.14 2. 1652 2.0527 1.9475 1.8493 1.7579 877.44 883.81 889.77 895.33 900.50 775.34 785 89 795.86 805 25 814.05 mS8mmS mm 87 88 89 90 91 92 93 94 95 2.2991 2 1784 20651 1.9590 18500 76291 774 11 784.73 794.77 80422 1 6731 1.5947 15225 1.4563 1.3957 822.29 829 96 837.07 843.64 849.67 91 92 93 94 95 859.85 876.70 883.11 889.11 89472 899.93 904.77 909 25 913,38 917.16 905 30 909 73 913 82 917.57 921.00 924 11 920.93 929.47 931.73 933.74 96 97 98 99 100 1.7678 1,6823 1.6032 15304 1.4634 81309 821.39 829.12 83629 842 92 1.3407 1.2908 1.2460 1 2060 1.1706 855 20 86021 864.75 868.81 87243 96 97 98 99 100 101 102 103 104 105 1.4023 1.3466 1 2962 1 2509 12103 920.63 923.78 926.63 929,20 931.49 849.02 854.60 859.57 864 26 858 38 1.1395 1.1124 1.0892 1,0695 1.0531 935.50 937.03 938,35 939.46 940 39 875.61 878.39 880.78 882.81 884 50 101 102 103 104 105 106 107 108 1.1744 1.1428 1 1153 1.0916 1.0715 933.53 935.32 936.87 938.21 939.35 872.04 875.27 878 10 880 53 882 60 1 0397 1.0289 1.0205 1.0141 1.0093 941.15 941.76 942 24 94260 942 87 885.89 88700 887.87 888 54 889.03 108 107 108 109 110 109 110 12. A policy is issued at age 20 with the following graded scale of death benefits payable at the moment of death. Age Death Benefits 20-24 1,000 25-29 5,000 30-40 10,000 41 and over 20,000 Calculate the actuarial present value on the basis of the Illustrative Life Table with uniform distribution of deaths over each year of age and i = 0.06. Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 X 5 10 15 20 x 1000gx 10,000,000 20.42 9.749,503 0.98 9,705,588 0 85 9.663,731 0.91 9,617,802 103 9,607,896 1.06 9,597,695 1.10 9,587,169 1.13 9,578,288 1.18 9,565,017 122 16.B010 17.0379 16.9119 16.7384 16 5133 1000A 1000FAQ 49.00 25 92 35 59 8.45 4272 937 52 55 11 33 65.28 14.30 68.24 15.08 71.35 15.87 74.62 16.76 78 05 17.71 81 65 18.75 1000 E- 1000isk, 1000aE. 728 54 541.95 299.89 743.89 553,48 305.90 744.04 553.34 305.24 743.71 552.69 303.98 743 16 551 64 301.93 10 15 20 21 22 23 24 25 16.4611 16.4051 16.3484 16 2878 16.2242 743.01 742 86 74268 742.49 742 29 551,36 551.08 550.73 550 38 549 97 301.40 300.82 300.19 299.49 298.73 21 22 23 24 25 26 27 28 29 30 9,553,319 9,541,153 9,528,475 9,515,235 9,501,381 127 1.33 1 39 1.46 1.53 16.1574 16.0873 16.0139 15.9368 15 8561 85.43 89.40 93.56 9782 102.48 19.87 21.07 2238 23.79 25.31 742.00 741.81 741 54 741 24 740.91 549.53 549,05 548.53 547.96 547.33 297.90 297.00 296.01 294.92 293 74 26 27 28 29 30 31 32 33 34 35 9,486,854 9,471,591 9,455,522 9,438,571 9,420,657 1.61 1.70 1.79 1 90 2.01 15.7716 15.6831 15.5908 15.4938 15.3926 107 27 112.28 117.51 122.99 128.72 26.95 26.72 30.63 32.68 34.88 740.55 740.16 739.72 739.25 738.73 546 65 545 80 545.07 544.17 543.18 292.45 291.04 289.50 287.82 286.00 31 32 33 34 35 36 37 38 39 40 9,401,688 9,381,568 9,360, 184 9,337,427 9,313,166 2.14 228 2.43 2.60 2.78 15.2870 15, 1767 15.0518 14.9416 14.8165 134.70 140.94 147.48 154.25 151.32 37 28 39.81 4255 45.48 48.83 738.16 737 54 736.86 738 11 735 29 542.11 540.92 539.63 538 22 536 67 284.00 281.84 279.48 270.92 274.14 36 37 38 39 40 rasp5mmwmwwwm % 41 42 43 44 45 9,287 264 9,259,571 9,229.925 9,198,149 9,164,051 2.98 3 20 3.44 3.71 4.00 146864 14 5510 14.4102 14 2539 141121 168.69 175 38 184.33 19261 20120 52.01 55.62 59.48 63 61 68 02 734.40 733.42 732 34 731 17 729 88 534.99 533.14 531.12 528.92 526.52 271, 12 287 85 264.31 260.48 256 34 41 42 43 44 45 47 48 49 50 9,127,426 9,038,040 9,045,879 9,000.057 8,950,901 4.31 4.66 5.04 5.46 5.92 13.9546 13.7914 13.6224 13.4475 13.2868 210.12 219.35 228 92 238 82 249.05 72.72 77 73 83.08 88.73 94 78 728.47 728 93 725 24 723 39 721 37 523 89 521.03 517.91 514.51 510.81 251.BE 247.08 241.93 238,39 230.47 48 47 48 49 50 51 52 53 54 55 6.42 6.97 7.58 8.24 8 98 13 0803 12.8879 12 6895 124858 12 2758 259.61 270 50 281.72 293 27 305 14 101.15 107.92 115.09 122.67 130 67 719 17 716 78 714 12 711.24 708.10 506.78 502.40 497.84 492.47 486.86 224.15 217.42 210 27 202.70 19472 51 52 53 54 55 8,897,913 8,840,770 8,779,128 8,712,621 8.640,861 8,563,435 8,479,908 8,389,826 8.292.713 8,188,074 56 57 58 59 60 9.75 10.62 11.58 1262 13.76 12.0604 11.8395 11.6133 11,3818 11.1454 317 33 329 84 34255 355 75 369.13 139 11 147.99 157 33 167.13 177 41 704.67 700.93 696.85 692.41 687 56 480.79 474 22 467.12 459.46 451 20 186 32 177 53 168 37 158 87 149 06 56 57 58 59 60 61 61 62 63 64 65 8,075,403 7,954,179 7,823,879 7,663,979 7,533,984 15 01 16.38 17.88 19.52 21.32 10.9041 10.6584 10.4084 10.1544 9.8969 38279 396 70 410.85 425 22 439.80 188 17 19941 211.13 223 34 236.03 682 29 676 56 670 33 663 56 656 23 442 31 432.77 422 54 41161 399 94 139 00 128 75 118 38 107 97 97 60 63 64 65 Illustrative Life Table: Basic Functions and Single Benefit Premiums at 10.06 x a x 66 67 88 69 70 k 7,373, 338 7,201,635 7,018,432 6,823,387 6,616,155 10000 23.29 25.44 27.79 30.37 33.18 9.6362 9.3726 9.1068 8.8387 8.5893 1000A, 1000AJ 1000, 1000,0. 454.56 249 20 648.27 387 53 469.47 262.83 639 66 374.38 484.53 276.92 630 35 380.44 499.70 291.46 620.30 345.77 514.95 306.42 609.46 330 37 1000E. 8737 77.38 67.74 58.54 49 88 68 67 68 69 70 71 72 73 74 75 6,396,609 6,184,863 5,920,394 5,084,051 5,396,081 38 26 39.62 43.30 47.31 51.69 8.2988 8.0278 7.7568 7.4864 7.2170 530.26 545.60 560 93 576.24 591.49 321.78 337.54 353 64 370.08 386.81 597.79 585 25 571.81 557.43 542 07 314 27 297.51 280.17 262.31 244.03 41.88 34 53 27.96 22.19 17 22 71 72 73 74 75 78 77 78 79 80 5,117,152 4,828,182 4,530,380 4,225,163 3,914,365 56.47 61 68 67.37 73.56 80.30 6.9493 6.6838 6.4207 8.1610 5.9050 606.65 621.68 838.56 651.26 665 75 403.80 421 02 438.42 455.85 473.59 525.71 508 35 489.97 470 57 450 19 225.48 206.71 187.94 169 31 151 00 13.04 9.61 8.88 4.77 3.19 78 77 78 79 80 81 82 83 84 85 3,600,038 3,284,542 2,970,496 2,680,734 2,358,246 87 64 95.81 104 28 113.69 123.89 5.6533 5.4083 5.1645 4.9282 4.6980 680.00 693.98 707.67 721.04 734.07 491 27 508.08 526.60 544.15 581 57 428.86 406.62 383.57 359.79 335.40 133.10 116.06 99.81 84.59 70 56 205 127 0.75 0.42 022 81 82 83 84 85 86 87 88 89 90 2,056,090 1,787.299 1,524,758 1,281,083 1,058,491 134.94 146.89 159.81 173.75 188.77 4.4742 4.2571 4.0470 3.8442 3 6488 746.74 759.03 770.92 782.41 793.46 578.80 595.79 612.51 628.92 644 96 310.56 285.44 260.21 235.11 210.36 57.83 46.50 36.61 28.17 21.13 0.11 0.05 0.02 0.01 0.00 88 87 BB 89 90 91 858,676 682,707 530,959 403,072 297,981 204.93 222 27 240.86 260 73 281.91 3.4611 3 2812 3.1091 2.9450 2.7888 804.09 814.27 824.01 833 30 842 14 660 61 675.83 690 59 704.86 718.61 186 21 162 90 140.69 119.79 100.43 15.41 10 91 7.47 4.93 313 0.00 000 0.00 0.00 000 91 92 93 94 95 94 95 96 97 98 99 100 213,977 148,832 99,965 14,617 40.049 304,45 328.34 353.60 380 20 408 12 2.6406 2.5002 2.3678 22426 2. 1252 850.53 858.48 865.99 873 06 879.70 731 83 744.50 756 60 768.13 779 08 82.78 66 97 53 09 41.14 31.12 1.90 1.10 0.60 0.31 0.00 0.00 0.00 0.00 98 97 98 99 100 0.15 0.00 101 102 103 104 105 23,705 13,339 7,101 3,558 1,668 437 28 467.61 498.99 531 28 584 29 20152 1.9123 1.8164 1.7273 1.6447 885.93 891.76 897.19 90223 906.90 789.44 799 21 808.41 817.02 825 06 22 91 16.37 11 33 7.58 4 86 0.07 0.03 0.01 000 000 0.00 0.00 0.00 0.00 0.00 101 102 103 104 105 105 107 108 109 110 727 292 108 36 11 597 83 831.64 665.45 698.97 731.87 1.5685 1.4984 1.4341 1.3755 1.3223 911 22 915 19 918.82 922 14 925 15 832.53 839.46 845 84 851.69 85704 2.99 1.76 0.98 0 52 0 28 000 0.00 000 0.00 0.00 000 0.00 0.00 000 0.00 108 107 108 109 110 Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 Lives are independent 1000 100ofA arm 1000 are 1000FA. 16.1345 86.73 50.89 15.2844 78 24 34.71 16.6432 57.93 16.51 16.4093 71.17 19.17 16.4680 87.96 18.13 16.1541 85.62 22.70 16.2187 81.96 21.67 15.8187 104.50 28.49 15.9005 99 97 27.00 15.3934 128.67 37.00 X 10 15 20 5 10 15 20 21 22 23 24 25 15.8272 15.7502 15.6696 15.5851 15.4967 104.12 108.48 113.04 117.82 122.83 28.33 29.77 31.33 33.01 34.82 15.2982 15.1945 15.0883 14.9774 14.8617 134.18 139.94 145.95 152.22 158.77 39.11 41.39 43.83 46.46 49.28 21 22 23 24 25 26 27 15.4041 15.3073 15.2062 15.1005 14.9901 128.07 133.55 139.27 145.25 151.50 36.77 38.87 41.12 43.55 46.16 165.60 172.71 180.12 187.83 195.84 5231 55.56 59.03 6275 66.72 30 14.7411 14.6154 14.4845 14.3484 14.2068 14.0598 13.9071 13.7488 13.5848 13.4150 31 32 31 32 33 34 35 158.02 164.82 171.90 179.27 188.94 48.95 51.96 55.18 58.63 62.32 204.16 212.80 221.78 231.05 240.88 70.97 75.50 80.34 85.48 34 35 14.8750 14.7549 14.6298 14.4995 14.3640 14.2230 14.0706 13.9246 13.7670 13.6036 36 37 33 39 40 x one58 #wn% % u& 194.92 203.21 211.81 220.74 229.99 600 70.48 74.99 79.77 84.89 13.2393 13.0579 12.8705 12.6774 12.4784 250.60 260.88 271.48 262.41 293.68 TE 102.90 109.52 110.40 123.80 38 37 39 40 x onbbw w88w88888 m88%mbH8 41 42 43 44 45 13.4344 13.2594 13.0786 12.8919 12.6994 239 56 249.47 259.70 270.27 281.16 90.32 96.15 102 25 115 12.2737 12.0633 11.8474 11.6280 11 3994 305.20 317.17 329.39 341.92 354.75 131.56 139.75 148.38 157.46 188.99 41 42 43 45 46 47 48 49 50 12.5011 12.2971 12.0873 11.8720 11.6513 292.39 303.94 315.81 328.00 340 49 122.95 130.67 138,80 147.38 156.41 11.1677 10 9310 10.6898 10.4441 10.1944 367.87 381.26 3944.92 408,82 422.96 17700 187.48 198.44 209.88 221.81 46 47 48 49 50 51 52 53 54 55 11.4252 11. 1941 10.9580 10.7172 10.4720 353.29 368.37 379.74 393.37 407 24 165.89 175.85 186.28 197.18 208,57 437.31 451.85 486.57 481.43 496.42 234.22 247.10 260.48 274 27 288.54 51 52 53 54 55 9.9409 9.6840 9.4240 9.1614 8.8966 8.6301 8.3623 8.0938 7.8249 7.5563 57 58 59 60 10.2227 9.9696 9.7131 9.4535 9.1911 42135 435.68 450.20 464.90 479.75 220.44 232.79 245 62 258.93 272.69 511.50 525.66 541.86 55708 572.28 303 24 318 35 333.85 349.73 365.94 56 57 58 59 60 61 62 63 64 65 8 9266 8.6602 8.3825 8.1241 7 8552 494.72 509 80 $24.95 540.15 555 38 286.91 301.58 316.62 332 09 347 92 72885 70221 6.7574 6.4952 62360 587.44 602 53 617.50 632 34 847 02 382.48 399.28 418.30 433.53 450.93 61 62 63 54 Illustrative Life Table: Basic Functions and Single Benefit Premiums at i=0.06 Lives are independent X 66 67 88 89 70 75886 73187 7.0520 6.7872 8 5247 dor10 5.9802 5.7283 5.4809 5.2385 5.0014 1000A 1000/Ad 570 57 354.09 585.74 380 58 600.83 39735 615.82 414 36 630 68 431 58 845.37 448 98 659 88 458.48 674.18 484 03 688.19 501.64 701,95 519.23 1000AC 1000Acord 681.50 468.44 675 76 488.02 689 78 503.62 703.48 521.21 716.90 538.72 68 B7 88 70 71 72 73 74 75 6.2650 6 0088 5.7565 5.5088 52655 4.7701 4.5450 4.3203 4.1146 3.9099 730 00 742 74 755.11 787.10 778 69 556.11 573.34 590.36 607.12 623 50 71 72 73 74 75 76 77 78 79 80 5.0278 4.7950 4.5700 4.3507 4.1381 538 75 554.16 571.41 588.45 605 25 3.7125 3.5227 3.3406 3.1663 2.9998 789 80 800 80 810.91 820.78 830 20 639.71 656.46 670.79 685 67 700.08 76 77 78 79 715.41 728.54 741 32 753.74 765.77 777.40 78862 799.41 809.77 819.69 81 82 83 84 85 3.9326 3.7344 3.5438 3.3607 3.1856 621.75 637 91 653.70 669.08 684 02 2.8412 2.6905 2.5476 2.4125 22851 839.18 847.71 855.80 863.44 870 66 713.90 727.37 740 21 752.49 704.20 81 82 83 84 85 88 87 88 89 90 3.0181 2.8587 2.7071 25633 2.4274 829.16 838, 19 846.77 854.01 862.60 698.48 712.45 725.89 738.79 751.14 2. 1652 2.0527 1.9475 1.8493 1.7579 877.44 883.81 889.77 895.33 900.50 775.34 785 89 795.86 805 25 814.05 mS8mmS mm 87 88 89 90 91 92 93 94 95 2.2991 2 1784 20651 1.9590 18500 76291 774 11 784.73 794.77 80422 1 6731 1.5947 15225 1.4563 1.3957 822.29 829 96 837.07 843.64 849.67 91 92 93 94 95 859.85 876.70 883.11 889.11 89472 899.93 904.77 909 25 913,38 917.16 905 30 909 73 913 82 917.57 921.00 924 11 920.93 929.47 931.73 933.74 96 97 98 99 100 1.7678 1,6823 1.6032 15304 1.4634 81309 821.39 829.12 83629 842 92 1.3407 1.2908 1.2460 1 2060 1.1706 855 20 86021 864.75 868.81 87243 96 97 98 99 100 101 102 103 104 105 1.4023 1.3466 1 2962 1 2509 12103 920.63 923.78 926.63 929,20 931.49 849.02 854.60 859.57 864 26 858 38 1.1395 1.1124 1.0892 1,0695 1.0531 935.50 937.03 938,35 939.46 940 39 875.61 878.39 880.78 882.81 884 50 101 102 103 104 105 106 107 108 1.1744 1.1428 1 1153 1.0916 1.0715 933.53 935.32 936.87 938.21 939.35 872.04 875.27 878 10 880 53 882 60 1 0397 1.0289 1.0205 1.0141 1.0093 941.15 941.76 942 24 94260 942 87 885.89 88700 887.87 888 54 889.03 108 107 108 109 110 109 110
