Download - Today - cia-ica.ca · by policy year select experience 1 101.4 8.04 74.6 159 32,333 350,361 105,428,590 43,325157 2 85.4 6.10 80.9 196 44,483 306,687 85,642,088 54,995229

BY POLICY YEARSELECT EXPERIENCE

1 101.4 8.04 74.6 159 32,333 350,361 105,428,590 43,325157 2 85.4 6.10 80.9 196 44,483 306,687 85,642,088 54,995229 3 101.2 6.23 85.9 264 53,627 299,143 79,959,456 62,448261 4 85.5 5.55 81.3 237 49,401 268,656 67,202,096 60,747277 5 89.9 5.23 78.6 295 53,580 268,397 63,546,191 68,211328 6-10 89.0 1.87 81.4 2,269 320,862 1,319,787 239,110,586 394,3682,550 11-15 95.5 1.52 85.9 3,954 281,249 1,119,879 113,238,057 327,2404,142TOTAL 7,37492.8 82.6 835,536 1,011,3357,9443,932,9101.08 754,127,064

0-4 77.7 12.60 69.8 38 1,817 334,689 18,145,794 2,60449BY ISSUE AGESELECT EXPERIENCE

5-29 90.4 4.66 77.6 376 41,833 1,017,308 137,198,708 53,907416 30-44 90.1 2.45 82.0 1,349 252,409 1,575,776 409,771,366 307,8121,498 45-59 90.1 1.74 81.5 2,696 321,673 827,231 169,349,513 394,8382,991 60-74 97.0 1.91 87.0 2,564 187,894 170,590 18,679,605 215,8682,644 75-89 101.6 5.42 82.4 351 29,910 7,315 982,026 36,29734590-120 .0 0.00 .0 0 0 1 52 90TOTAL 7,37492.8 82.6 835,536 1,011,3357,9443,932,9101.08 754,127,064

15-29 91.2 6.51 88.3 196 6,685 471,797 17,119,826 7,568215BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 122.7 4.77 96.7 661 23,777 660,127 29,317,759 24,586539 45-59 103.8 1.55 97.5 4,506 228,785 1,549,048 93,872,023 234,6454,343 60-74 85.5 0.76 80.3 12,720 335,609 1,098,383 36,781,306 417,72114,881 75-89 106.2 0.62 105.7 28,878 430,786 534,162 8,686,284 407,60227,20390-120 68.3 0.84 77.3 6,547 52,418 44,830 350,648 67,7829,579TOTAL 53,50894.3 92.9 1,078,060 1,159,90556,7594,358,3470.41 186,127,845

GRAND TOTAL 94.1 0.38 88.1 60,882 1,913,597 8,291,257 940,254,909 64,703 2,171,240

Thomson Data Analysis Today: 6/1/2011

TABLE 1 CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009

MALES & FEMALES COMBINED - EXPECTED CIA 97-04 TABLES

RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS

NUMBER S.D. AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000)



TABLE 2CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009

MALES ONLY - EXPECTED CIA 97-04 TABLES

SELECT EXPERIENCEBY POLICY YEAR

1 98.3 9.59 73.3 24,829 63,396,653 33,867105 178,368 107 2 82.4 7.68 79.2 31,185 51,520,801 39,376115 155,469 140 3 98.2 7.91 88.3 39,746 48,858,383 45,011154 153,194 157 4 92.1 7.47 88.1 38,164 41,233,204 43,328152 138,395 165 5 92.1 6.90 78.4 37,498 38,911,632 47,854178 138,381 193 6-10 90.5 2.48 75.5 205,694 146,331,263 272,2631,337 676,303 1,477 11-15 92.9 2.05 81.3 177,133 66,451,261 217,8622,060 554,926 2,217

1.44 79.2 456,703,196 4,45692.0 554,2484,101 1,995,036 699,561TOTAL

0-4 81.4 16.62 71.1 1,077 8,939,016 1,51524 169,505 29

SELECT EXPERIENCEBY ISSUE AGE

5-29 85.6 5.46 66.8 25,933 68,344,407 38,817246 485,407 287 30-44 89.7 3.15 82.6 180,398 250,804,922 218,519812 816,922 906 45-59 92.5 2.31 78.3 226,620 116,757,872 289,4791,609 443,005 1,739 60-74 94.1 2.61 82.5 113,462 11,536,349 137,4561,298 78,210 1,379 75-89 97.5 9.21 49.1 6,757 320,579 13,766112 1,985 11590-120 0.0 0.00 0.0 0 50 90 1 0

1.44 79.2 456,703,196 4,45692.0 554,2484,101 1,995,036 699,561TOTAL

15-29 87.6 7.51 85.7 4,623 8,614,227 5,395136 242,392 155

ULTIMATE EXPERIENCEBY ATTAINED AGE

30-44 128.2 6.12 85.7 13,388 15,417,323 15,625439 342,821 342 45-59 106.4 1.99 98.8 162,212 59,516,867 164,2222,864 861,961 2,691 60-74 86.2 0.92 81.0 268,161 26,902,538 331,1118,845 681,927 10,261 75-89 101.5 0.73 106.7 337,772 6,108,922 316,54919,082 320,412 18,79590-120 62.3 1.02 76.7 34,207 204,194 44,5733,767 24,220 6,046

0.49 93.5 116,764,071 38,29091.8 820,36335,133 2,473,732 877,475TOTAL

0.4691.8 39,234GRAND TOTAL 1,374,611 573,467,26787.2 4,468,767 1,577,03642,745

Thomson Data Analysis 4/16/2011




FEMALES ONLY - EXPECTED CIA 97-04 TABLES


1 107.9 14.68 79.3 7,505 42,031,937 9,45854 171,993 50 2 90.1 10.01 85.1 13,299 34,121,288 15,61981 151,218 90 3 105.8 10.09 79.6 13,881 31,101,073 17,437110 145,949 104 4 75.9 8.23 64.5 11,238 25,968,892 17,41985 130,261 112 5 86.8 8.02 79.0 16,082 24,634,559 20,357117 130,017 135 6-10 86.9 2.85 94.3 115,167 92,779,324 122,105932 643,484 1,072 11-15 98.4 2.26 95.2 104,116 46,786,796 109,3781,894 564,953 1,925

1.64 90.2 297,423,868 3,48893.8 281,2883,273 1,937,874 311,774TOTAL

0-4 72.0 19.25 67.9 740 9,206,778 1,08914 165,184 19


5-29 101.2 8.87 105.4 15,900 68,854,301 15,090130 531,901 129 30-44 90.7 3.91 80.6 72,011 158,966,444 89,294537 758,854 592 45-59 86.8 2.63 90.2 95,053 52,591,640 105,3581,087 384,227 1,252 60-74 100.1 2.81 94.9 74,431 7,143,255 78,4121,266 92,379 1,265 75-89 103.7 6.71 102.8 23,154 661,447 22,531239 5,330 23090-120 0.0 0 2 00 0 0

1.64 90.2 297,423,868 3,48893.8 281,2883,273 1,937,874 311,774TOTAL

15-29 100.4 12.96 94.9 2,062 8,505,599 2,17360 229,405 60


30-44 113.2 7.59 115.9 10,389 13,900,435 8,961222 317,306 196 45-59 99.4 2.45 94.5 66,573 34,355,155 70,4231,642 687,087 1,652 60-74 83.9 1.35 77.9 67,449 9,878,769 86,6103,875 416,456 4,620 75-89 116.5 1.18 102.2 93,015 2,577,362 91,0549,796 213,750 8,40890-120 78.7 1.49 78.5 18,210 146,454 23,2102,780 20,610 3,533

0.73 91.2 69,363,774 18,46999.5 257,69818,375 1,884,615 282,430TOTAL

0.6798.6 21,648GRAND TOTAL 538,986 366,787,64290.7 3,822,489 594,20321,958


MEDICAL MALES ONLY


1 66.3 18.38 47.4 13 4,496 29,511 16,440,547 20 9,492 2 54.8 15.81 77.9 12 8,660 23,727 13,369,170 22 11,112 3 90.1 19.20 86.1 22 10,245 22,980 12,083,157 24 11,900 4 72.2 15.39 68.5 22 8,970 23,971 11,813,700 30 13,095 5 89.5 13.50 90.9 44 17,444 33,029 14,616,270 49 19,185 6-10 88.0 5.07 79.0 302 69,866 143,337 45,198,783 343 88,38911-15 79.7 4.13 67.4 373 54,590 93,689 18,586,287 468 81,024

82.4 2.93 74.4 788 174,270 370,244 132,107,914 234,197957TOTAL

0-4 55.2 55.21 50.2 1 62 9,527 746,597 2 123


5-29 73.9 14.50 53.8 26 3,980 56,169 12,850,433 35 7,39330-44 78.6 6.33 71.9 154 47,921 183,360 76,622,935 196 66,67045-59 84.6 4.80 75.0 311 71,034 102,791 37,130,946 368 94,76960-74 84.3 5.08 83.2 275 48,491 17,937 4,610,903 326 58,26075-89 70.7 15.44 39.9 21 2,783 458 146,052 30 6,97590-120 0.0 0.00 0.0 0 0 1 50 0 9

82.4 2.93 74.4 788 174,270 370,244 132,107,914 234,197957TOTAL

1 95.7 33.85 89.5 8 2,240 25,662 10,000,595 8 2,501

MEDICAL FEMALES ONLY


2 60.6 22.90 109.5 7 4,970 20,030 7,858,594 12 4,541 3 74.1 23.42 45.9 10 2,055 18,888 6,969,510 14 4,475 4 70.8 20.44 61.9 12 2,781 19,216 6,310,903 17 4,490 5 71.9 15.70 65.4 21 5,033 27,560 8,105,487 29 7,691 6-10 82.4 5.78 104.0 203 44,498 129,918 26,774,148 246 42,79511-15 96.8 5.49 87.1 311 29,891 83,346 10,294,423 321 34,328

88.4 3.70 90.7 572 91,469 324,619 76,313,660 100,822647TOTAL

0-4 0.0 0.00 0.0 0 0 9,713 779,773 1 88


5-29 126.4 27.57 149.3 21 4,162 64,521 12,533,162 17 2,78830-44 78.0 8.18 64.6 91 15,858 158,154 44,571,117 117 24,53845-59 76.2 6.16 87.7 153 26,947 74,009 15,442,480 201 30,71160-74 100.0 6.33 98.1 250 31,198 16,800 2,677,990 250 31,81175-89 92.0 12.18 122.2 57 13,304 1,422 309,138 62 10,887

88.4 3.70 90.7 572 91,469 324,619 76,313,660 100,822647TOTAL


EXPECTED CIA 97-04 TABLES



NON-MEDICAL MALES ONLY


1 135.0 27.00 87.7 25 1,671 41,385 4,555,776 19 1,907 2 84.8 17.30 60.5 24 2,106 42,443 5,458,393 28 3,479 3 109.0 18.17 111.0 36 4,833 42,315 5,335,771 33 4,353 4 125.0 17.50 97.3 51 4,757 42,917 5,709,345 41 4,890 5 97.0 14.01 93.9 48 5,382 42,388 5,881,240 49 5,729 6-10 102.7 5.21 95.1 388 42,649 229,356 30,232,909 378 44,85511-15 101.0 4.12 82.3 602 40,769 232,206 22,101,823 596 49,536

102.6 3.00 89.0 1,174 102,167 673,008 79,275,257 114,7481,144TOTAL

0-4 82.4 22.87 74.5 13 637 91,799 5,088,356 16 855


5-29 88.7 8.09 67.4 120 8,645 228,042 21,550,693 135 12,83430-44 99.1 5.60 91.6 313 40,976 247,592 40,279,211 316 44,75445-59 107.4 5.06 96.8 451 36,672 93,380 11,358,343 420 37,87460-74 106.3 6.79 77.4 245 12,542 11,706 950,678 231 16,21275-89 121.8 21.53 121.3 32 2,694 490 47,974 26 2,22090-120 0.0 0 0 0 0 0 0

102.6 3.00 89.0 1,174 102,167 673,008 79,275,257 114,7481,144TOTAL

1 63.0 23.80 28.6 7 305 47,727 5,147,202 11 1,064

NON-MEDICAL FEMALES ONLY


2 112.1 23.37 82.8 23 1,708 48,144 5,704,597 21 2,064 3 123.1 22.48 78.1 30 1,903 47,591 5,470,739 24 2,437 4 87.9 16.91 98.4 27 2,975 46,770 5,626,269 31 3,022 5 84.0 14.84 82.6 32 2,932 44,935 5,509,913 38 3,551 6-10 93.1 5.59 117.5 278 29,736 237,211 25,056,828 298 25,31611-15 100.1 4.42 106.0 514 30,236 241,909 18,194,357 513 28,533

97.3 3.22 105.8 911 69,795 714,287 70,709,903 65,988937TOTAL

0-4 85.1 28.36 82.9 9 512 89,930 5,174,992 11 617


5-29 103.0 12.98 97.2 63 5,404 249,291 23,062,581 61 5,55730-44 95.0 6.38 92.2 222 22,496 258,356 33,633,831 234 24,40745-59 96.0 5.22 110.1 338 21,112 99,787 7,882,453 352 19,17160-74 97.4 6.58 135.1 219 14,410 15,499 797,902 225 10,66675-89 109.7 14.16 105.3 60 5,862 1,424 158,143 55 5,56890-120 0.0 0 0 0 2 0 0

97.3 3.22 105.8 911 69,795 714,287 70,709,903 65,988937TOTAL





UNKNOWN EVIDENCE MALES ONLY


1 86.6 14.43 93.8 36 13,752 67,739 26,853,064 42 14,667 2 89.0 13.42 95.9 44 13,487 54,611 18,188,884 49 14,059 3 98.0 12.65 91.2 60 15,978 56,596 18,353,144 61 17,525 4 98.6 12.52 115.6 62 20,086 50,360 15,900,853 63 17,382 5 90.3 12.06 65.9 56 10,500 44,034 12,548,436 62 15,923 6-10 85.3 3.95 64.6 467 67,931 225,452 51,120,808 547 105,11611-15 96.6 3.29 96.2 863 65,771 195,439 20,325,240 893 68,380

92.5 2.32 82.0 1,588 207,504 694,232 163,290,429 253,0531,718TOTAL

0-4 76.3 25.42 54.8 9 279 67,503 2,932,173 12 509


5-29 80.8 9.40 60.6 74 7,239 156,153 21,279,700 92 11,94330-44 93.6 5.58 93.8 282 70,652 272,688 89,135,375 301 75,30545-59 89.5 3.68 74.7 593 82,318 164,168 45,260,794 662 110,18360-74 96.4 4.00 89.8 582 45,896 32,976 4,574,006 604 51,10975-89 101.7 14.68 28.0 48 1,120 744 108,382 47 4,004

92.5 2.32 82.0 1,588 207,504 694,232 163,290,429 253,0531,718TOTAL

1 128.3 26.76 77.8 23 2,811 60,497 15,871,988 18 3,614

UNKNOWN EVIDENCE FEMALES ONLY


2 83.9 16.45 54.6 26 2,772 51,338 11,311,942 31 5,078 3 104.9 16.19 92.8 42 5,822 51,932 10,781,834 40 6,276 4 74.4 13.37 58.2 31 3,933 45,750 9,331,590 42 6,762 5 95.0 14.66 80.8 42 5,108 40,521 7,473,913 44 6,325 6-10 91.5 4.94 80.6 343 32,423 207,222 29,506,353 375 40,20511-15 100.8 3.40 87.2 881 31,600 208,159 14,821,929 874 36,239

97.5 2.62 80.8 1,388 84,468 665,420 99,099,549 104,4991,423TOTAL

0-4 65.3 29.21 62.0 5 228 64,966 3,112,763 8 368


5-29 85.9 14.52 66.8 35 3,082 167,506 21,112,841 41 4,61630-44 90.4 6.78 78.6 178 22,917 249,903 53,546,302 197 29,15745-59 88.0 4.24 85.4 430 31,534 140,728 18,547,418 489 36,91760-74 108.0 4.26 82.3 642 23,257 40,451 2,622,529 594 28,25875-89 103.1 10.42 66.6 98 3,450 1,866 157,696 95 5,183

97.5 2.62 80.8 1,388 84,468 665,420 99,099,549 104,4991,423TOTAL





PARAMEDICAL MALES ONLY


1 114.5 20.57 62.9 31 4,910 39,733 15,547,266 27 7,802 2 87.6 14.81 64.6 35 6,932 34,688 14,504,354 40 10,727 3 94.3 15.71 77.4 36 8,690 31,303 13,086,310 38 11,233 4 55.0 13.34 54.7 17 4,351 21,147 7,809,306 31 7,960 5 92.0 16.80 59.5 30 4,173 18,930 5,865,686 33 7,016 6-10 86.1 6.41 74.5 180 25,248 78,157 19,778,763 209 33,90311-15 85.5 5.74 84.6 222 16,003 33,593 5,437,911 260 18,923

86.4 3.68 72.1 551 70,307 257,552 82,029,595 97,564638TOTAL

0-4 965.7 965.73 359.6 1 100 676 171,891 0 28


5-29 102.9 20.18 91.3 26 6,070 45,043 12,663,581 25 6,64830-44 67.9 8.56 65.6 63 20,850 113,282 44,767,401 93 31,79145-59 87.9 5.51 78.4 254 36,594 82,666 23,007,789 289 46,65560-74 89.7 6.40 55.0 196 6,534 15,591 1,400,762 219 11,87675-89 93.5 28.20 28.2 11 160 294 18,171 12 567

86.4 3.68 72.1 551 70,307 257,552 82,029,595 97,564638TOTAL

1 126.4 31.59 94.3 16 2,149 38,107 11,012,152 13 2,279

PARAMEDICAL FEMALES ONLY


2 93.3 18.66 97.8 25 3,849 31,706 9,246,155 27 3,937 3 107.3 20.28 96.5 28 4,102 27,538 7,878,991 26 4,249 4 66.1 17.06 49.2 15 1,548 18,525 4,700,130 23 3,144 5 94.2 20.09 107.9 22 3,009 17,000 3,545,246 23 2,790 6-10 70.9 6.82 61.7 108 8,510 69,133 11,441,994 152 13,78911-15 86.7 6.32 120.6 188 12,389 31,539 3,476,087 217 10,277

83.6 4.17 87.9 402 35,556 233,549 51,300,757 40,464481TOTAL

0-4 0.0 0.00 0.0 0 0 576 139,250 0 16


5-29 110.2 33.22 152.8 11 3,252 50,584 12,145,717 10 2,12830-44 101.8 15.02 96.0 46 10,740 92,441 27,215,194 45 11,19145-59 78.7 6.11 83.3 166 15,461 69,702 10,719,289 211 18,56060-74 79.1 6.35 72.5 155 5,567 19,629 1,044,835 196 7,67775-89 128.0 26.12 60.2 24 537 617 36,471 19 892

83.6 4.17 87.9 402 35,556 233,549 51,300,757 40,464481TOTAL





TABLE 4 CANADIAN STANDARD ORDINARY EXPERIENCE

COMPARISON OF RATIOS (A/E) BY AMOUNT - EXPECTED CIA 97-04 TABLES

EXPERIENCE 2004-2005 2005-2006 2006-2007 2007-2008 2008-2009

MALE & FEMALE SEL. & ULT. 92.6 87.5 90.0 84.6 88.1MALE SEL. & ULT. 91.3 85.8 87.8 83.5 87.2FEMALE SEL. & ULT. 96.8 92.3 96.1 87.4 90.7MALE & FEMALE SELECT 88.7 83.4 87.2 81.2 82.6MALE SELECT 85.7 80.9 83.2 79.5 79.2FEMALE SELECT 96.2 89.8 96.1 85.2 90.2MALE & FEMALE ULTIMATE 98.1 92.7 92.8 87.6 92.9MALE ULTIMATE 98.2 91.6 91.9 86.9 93.5FEMALE ULTIMATE 97.9 96.8 96.2 90.0 91.2MALE, MEDICAL SELECT 82.6 71.0 69.9 74.5 74.4MALE, NON-MEDICAL SELECT 90.4 101.9 92.2 90.9 89.0MALE, PARAMEDICAL SELECT 80.3 82.2 96.3 79.8 72.1FEMALE, MEDICAL SELECT 81.5 88.1 105.7 87.6 90.7FEMALE, NON-MEDICAL SELECT 100.7 97.4 100.0 97.7 105.8FEMALE, PARAMEDICAL SELECT 91.2 98.2 84.1 74.4 87.9MALE, SMOKER SELECT 83.9 87.6 88.9 80.1 89.2MALE, NON-SMOKER SELECT 86.0 79.0 81.7 79.2 76.8MALE, UNCLASSIFIED SELECT 97.3 80.4 80.4 88.1 68.0FEMALE, SMOKER SELECT 104.2 84.9 89.8 92.8 92.1FEMALE, NON-SMOKER SELECT 93.8 91.2 97.7 82.7 89.9FEMALE, UNCLASSIFIED SELECT 100.2 87.9 102.0 135.4 84.6MALE, SMOKER ULTIMATE 89.9 93.6 98.1 90.1 96.2MALE, NON-SMOKER ULTIMATE 103.5 91.8 85.7 79.7 95.9MALE, UNCLASSIFIED ULTIMATE 96.0 90.8 95.7 93.5 89.6FEMALE, SMOKER ULTIMATE 103.2 93.5 101.5 99.1 98.3FEMALE, NON-SMOKER ULTIMATE 93.4 91.5 87.4 81.7 86.3FEMALE, UNCLASSIFIED ULTIMATE 100.2 105.2 104.1 97.3 95.9MALE, SMOKER, PREFERRED SEL. & ULT. 69.1 75.3 52.0 109.6MALE, NON-SMOKER, PREFERRED SEL. & ULT. 65.6 69.5 61.3 68.1FEMALE, SMOKER, PREFERRED SEL. & ULT. 67.3 99.3 74.2 91.9FEMALE, NON-SMOKER, PREFERRED SEL. & ULT. 105.6 133.9 77.8 83.8


TABLE 4ACANADIAN STANDARD ORDINARY EXPERIENCE

SELECT EXPERIENCE ONLYCOMPARISON OF RATIOS (A/E) BY AMOUNT - EXPECTED CIA 97-04 TABLES

2004-2005 2005-2006 2006-2007 2007-2008 2008-2009

KNOWN UNDERWRITINGMALE, SMOKER 86.2 96.3 94.4 78.0 89.4MALE, NON-SMOKER 84.0 79.5 77.4 80.5 74.9MALE, UNCLASSIFIED 115.4 84.7 51.4 72.7 60.8FEMALE, SMOKER 98.7 88.6 86.2 97.2 98.3FEMALE, NON-SMOKER 88.8 94.4 103.5 86.4 94.3FEMALE, UNCLASSIFIED 85.6 121.4 132.2 114.9 82.4

UNKNOWN UNDERWRITINGMALE, SMOKER 79.0 69.4 80.1 85.0 89.0MALE, NON-SMOKER 92.1 77.6 91.1 76.5 80.3MALE, UNCLASSIFIED 91.0 78.4 96.6 87.8 73.6FEMALE, SMOKER 114.3 78.4 95.1 84.0 80.9FEMALE, NON-SMOKER 107.4 82.4 84.9 74.4 80.7FEMALE, UNCLASSIFIED 105.9 67.0 86.9 146.9 86.1



TABLE 5 2008-2009 COMPANY EXPERIENCE RATIO VARIABILITY


PERCENTAGE DEPARTURE

NUMBER OF COMPANIES

ACTUAL CLAIMS

PERCENTAGE OF CLAIMS

WITHIN 5% 3 $1,047,166,937 54.7%

5% TO 10% 3 $866,429,628 45.3%

10% TO 15% 0 $0 0%

15% AND OVER 0 $0 0%

6 $1,913,596,565 100.0%



RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS NUMBER S.D. AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000)

MEDICALSELECT EXPERIENCEBY POLICY YEAR

77.6 7.30 76.9 113 133,218 14649,814 68,322,844 64,785 1-583.2 3.20 73.5 675 237,026 811124,456 63,785,071 169,413 6-15

74.482.4 174,270 370,244 234,197957788TOTAL 132,107,9142.93

73.0 14.05 53.8 27 65,696 374,042 13,597,029 7,516 0-29BY ISSUE AGE

84.6 4.42 77.4 367 266,368 434101,920 107,598,603 131,63730-5481.1 4.08 71.9 394 38,180 48668,308 10,912,282 95,04455-120

74.482.4 174,270 370,244 234,197957788TOTAL 132,107,9142.93

108.1 7.97 92.1 184 211,447 17018,749 26,940,525 20,357 1-5

NON-MEDICALSELECT EXPERIENCEBY POLICY YEAR

101.7 3.23 88.4 990 461,562 97483,419 52,334,732 94,391 6-1589.0102.6 102,167 673,008 114,7481,1441,174TOTAL 79,275,2573.00

88.0 7.63 67.8 133 319,840 1519,282 26,639,049 13,689 0-29BY ISSUE AGE

103.9 4.13 93.4 631 326,253 60768,178 50,241,322 72,97230-54106.5 5.26 88.0 410 26,915 38524,707 2,394,886 28,08755-120

89.0102.6 102,167 673,008 114,7481,1441,174TOTAL 79,275,2573.00

93.1 5.79 92.8 258 273,340 27773,802 91,844,382 79,556 1-5

UNKNOWN EVIDENCESELECT EXPERIENCEBY POLICY YEAR

92.3 2.53 77.1 1,330 420,891 1,440133,702 71,446,048 173,497 6-1582.092.5 207,504 694,232 253,0531,7181,588TOTAL 163,290,4292.32

80.3 8.82 60.4 83 223,656 1037,517 24,211,873 12,452 0-29BY ISSUE AGE

95.5 3.67 83.7 677 402,031 709124,993 126,535,460 149,34830-5491.5 3.18 82.2 828 68,544 90574,993 12,543,096 91,25355-120

82.092.5 207,504 694,232 253,0531,7181,588TOTAL 163,290,4292.32

88.3 7.23 64.9 149 145,801 16929,056 56,812,922 44,738 1-5

PARAMEDICALSELECT EXPERIENCEBY POLICY YEAR

85.7 4.28 78.1 402 111,750 46941,251 25,216,673 52,826 6-1572.186.4 70,307 257,552 97,564638551TOTAL 82,029,5953.68

106.4 20.48 92.4 27 45,719 256,170 12,835,472 6,676 0-29BY ISSUE AGE

83.6 5.76 72.8 211 175,744 25246,496 63,946,558 63,86430-5487.0 4.92 65.3 313 36,088 36017,642 5,247,565 27,02455-120

72.186.4 70,307 257,552 97,564638551TOTAL 82,029,5953.68



RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS NUMBER S.D. AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000)

MEDICALSELECT EXPERIENCEBY POLICY YEAR

72.9 9.57 72.1 58 111,355 8017,079 39,245,089 23,699 1-590.6 3.99 96.5 514 213,263 56874,389 37,068,571 77,123 6-15

90.788.4 91,469 324,619 100,822647572TOTAL 76,313,6603.70

118.2 25.80 144.7 21 74,234 184,162 13,312,934 2,876 0-29BY ISSUE AGE

80.1 5.65 83.2 201 219,083 25138,116 57,685,211 45,80630-5492.5 4.94 94.3 350 31,302 37849,191 5,315,515 52,14155-120

90.788.4 91,469 324,619 100,822647572TOTAL 76,313,6603.70

95.3 8.74 80.9 119 235,167 1259,823 27,458,718 12,138 1-5

NON-MEDICALSELECT EXPERIENCEBY POLICY YEAR

97.6 3.47 111.4 792 479,120 81259,973 43,251,185 53,850 6-15105.897.3 69,795 714,287 65,988937911TOTAL 70,709,9033.22

100.3 11.83 95.8 72 339,221 725,916 28,237,573 6,175 0-29BY ISSUE AGE

98.9 4.54 105.2 475 341,710 48041,236 40,659,415 39,19430-5494.7 4.96 109.8 364 33,357 38522,644 1,812,915 20,61955-120

105.897.3 69,795 714,287 65,988937911TOTAL 70,709,9033.22

93.8 7.33 72.9 164 250,038 17520,446 54,771,267 28,054 1-5

UNKNOWN EVIDENCESELECT EXPERIENCEBY POLICY YEAR

98.0 2.80 83.7 1,224 415,381 1,24964,022 44,328,282 76,445 6-1580.897.5 84,468 665,420 104,4991,4231,388TOTAL 99,099,5492.62

82.6 13.07 66.4 40 232,472 483,310 24,225,605 4,984 0-29BY ISSUE AGE

90.4 4.26 81.3 449 359,981 49744,812 69,286,790 55,09830-54102.4 3.41 81.8 899 72,967 87836,346 5,587,154 44,41755-120

80.897.5 84,468 665,420 104,4991,4231,388TOTAL 99,099,5492.62

95.0 9.23 89.4 106 132,877 11214,657 36,382,675 16,399 1-5

PARAMEDICALSELECT EXPERIENCEBY POLICY YEAR

80.2 4.66 86.8 296 100,672 36920,899 14,918,082 24,065 6-1587.983.6 35,556 233,549 40,464481402TOTAL 51,300,7574.17

109.5 33.01 151.6 11 51,159 103,252 12,284,967 2,144 0-29BY ISSUE AGE

81.4 7.26 90.2 126 143,060 15521,367 36,214,587 23,69830-5483.8 5.15 74.8 265 39,329 31610,938 2,801,203 14,62255-120

87.983.6 35,556 233,549 40,464481402TOTAL 51,300,7574.17

ULTIMATE EXPERIENCEMALES ONLY

BY ATTAINED AGE115.6 4.82 85.7 575 585,213 49818,011 24,031,551 21,021 15-44

93.9 1.05 91.4 7,992 1,370,952 8,509349,261 81,609,093 381,933 45-6990.7 0.56 95.5 26,566 517,567 29,283453,092 11,123,428 474,52170-120

116,764,07193.5 877,47591.8 35,133 2,473,732 38,2900.49 820,363TOTAL

110.2 6.56 111.8 282 546,712 25612,451 22,406,034 11,134 15-44

ULTIMATE EXPERIENCEFEMALES ONLY

BY ATTAINED AGE

87.4 1.40 85.8 3,909 1,001,256 4,470111,906 42,533,890 130,433 45-69103.2 0.87 94.7 14,184 336,648 13,743133,340 4,423,851 140,86370-120

69,363,77491.2 282,43099.5 18,375 1,884,615 18,4690.73 257,698TOTAL

113.7 3.88 94.7 857 1,131,924 75430,462 46,437,585 32,154 15-44

ULTIMATE EXPERIENCEMALES & FEMALES COMBINED

BY ATTAINED AGE

91.7 0.84 90.0 11,901 2,372,208 12,980461,166 124,142,982 512,366 45-6994.7 0.47 95.3 40,750 854,214 43,026586,432 15,547,278 615,38570-120

186,127,84592.9 1,159,90594.3 53,508 4,358,347 56,7590.41 1,078,060TOTAL

91.9 2.71 80.6 1,151 1,493,244 1,252233,425 401,778,421 289,726 1-5

SELECT EXPERIENCEMALES & FEMALES COMBINED

BY POLICY YEAR

93.0 1.18 83.4 6,223 2,439,666 6,691602,111 352,348,643 721,609 6-15754,127,06482.6 1,011,33592.8 7,374 3,932,910 7,9441.08 835,536TOTAL

89.1 4.38 77.2 414 1,351,997 46543,650 155,344,502 56,511 0-29BY ISSUE AGE

92.7 1.65 83.8 3,137 2,234,232 3,386487,117 552,167,945 581,618 30-5493.4 1.51 81.7 3,823 346,681 4,093304,769 46,614,617 373,20555-120

754,127,06482.6 1,011,33592.8 7,374 3,932,910 7,9441.08 835,536TOTAL


ALL EVIDENCE CODES COMBINED - EXPECTED CIA 97-04 TABLES RATIO A /E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS NUMBER S.D. AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000)


1 112.7 20.58 50.9 30 3,013 28,472 7,805,540 27 5,915 2 76.4 13.29 51.4 33 4,274 24,007 5,884,870 43 8,315 3 87.8 13.54 83.9 42 7,951 23,824 5,624,895 48 9,481 4 78.6 12.43 106.8 40 9,551 22,395 4,773,240 51 8,939 5 94.1 12.69 100.5 55 9,942 22,554 4,546,769 58 9,892 6-10 96.8 4.71 87.3 422 47,191 120,622 17,942,885 436 54,052 11-15 100.2 3.93 99.6 650 41,053 107,479 8,618,711 648 41,222

97.0 2.72 89.2 1,272 122,975 349,352 55,196,910 1,311 137,816TOTAL

0-4 84.4 84.41 60.2 1 30 3,097 130,439 1 50


5-14 131.9 28.77 92.6 21 788 31,590 1,735,067 16 852 15-24 71.5 14.03 75.1 26 2,430 43,424 4,107,934 36 3,236 25-34 93.9 9.34 95.9 101 16,901 92,988 17,386,881 108 17,626 35-44 100.6 6.25 99.8 259 41,971 101,761 21,262,778 258 42,045 45-54 97.6 4.88 76.7 401 35,094 57,439 8,975,826 411 45,752 55-64 93.8 5.26 94.1 318 20,837 15,998 1,454,091 339 22,143 65-89 101.3 8.41 80.5 145 4,924 3,055 143,893 143 6,114

97.0 2.72 89.2 1,272 122,975 349,352 55,196,910 1,311 137,816TOTAL

15-19 94.8 35.84 88.5 7 261 16,754 670,181 7 294


20-29 87.5 16.25 98.9 29 1,118 46,860 1,595,227 33 1,131 30-39 121.8 19.77 109.3 38 1,280 27,513 1,030,873 31 1,172 40-49 113.6 9.21 100.8 152 8,997 54,545 3,566,534 134 8,926 50-59 88.5 4.24 109.5 435 34,792 73,148 4,826,318 492 31,782 60-69 83.3 3.04 87.7 752 34,691 42,738 1,981,374 902 39,546 70-99 98.3 2.49 92.0 1,562 32,011 25,870 620,983 1,589 34,806100120 0.0 0.00 0.0 0 0 6 18 3 8

93.2 1.71 96.2 2,975 113,149 287,434 14,291,508 3,191 117,666TOTAL

94.3 92.4 4,247 236,125 636,786 69,488,4181.45GRAND TOTAL 255,4824,502


SMOKER - EXPECTED CIA 97-04 TABLES



MALES ONLY


1 95.0 11.20 78.8 72 21,771 129,833 53,924,528 76 27,633 2 82.9 9.45 86.8 77 26,752 113,643 44,288,396 93 30,831 3 101.6 9.77 89.6 108 31,649 113,067 42,057,820 106 35,333 4 100.0 9.45 83.7 112 28,612 101,529 35,505,589 112 34,199 5 92.7 8.36 72.8 123 27,517 101,919 33,493,547 133 37,804 6-10 87.0 2.91 72.7 893 157,882 484,261 124,133,507 1,026 217,262 11-15 87.7 2.42 76.9 1,308 134,309 355,412 53,803,900 1,492 174,597

88.7 1.71 76.8 2,693 428,493 1,399,664 387,207,288 3,038 557,658TOTAL

0-4 353.1 249.69 322.5 2 135 1,479 109,222 1 42


5-14 155.2 44.81 68.2 12 495 13,556 1,293,958 8 725 15-24 70.9 9.93 60.0 51 5,032 126,078 15,595,359 72 8,385 25-34 76.8 5.79 54.6 176 30,439 366,312 98,401,141 229 55,713 35-44 86.7 4.45 84.5 379 107,218 447,857 153,854,025 437 126,947 45-54 97.4 3.79 82.1 661 125,894 295,079 88,484,479 679 153,262 55-64 83.4 3.08 81.6 733 108,880 119,034 25,467,945 879 133,411 65-89 92.7 3.56 63.7 679 50,400 30,268 4,001,109 733 79,16490-120 0.0 0.00 0.0 0 0 1 50 0 9

88.7 1.71 76.8 2,693 428,493 1,399,664 387,207,288 3,038 557,658TOTAL

15-19 106.2 61.33 106.4 3 156 6,470 336,728 3 147


20-29 67.6 19.52 86.6 12 659 24,854 1,066,677 18 762 30-39 100.9 16.16 82.8 39 1,950 50,142 3,047,844 39 2,357 40-49 82.8 5.96 81.2 193 19,306 188,602 18,909,733 233 23,781 50-59 99.2 4.02 98.4 610 68,233 245,208 27,715,801 615 69,361 60-69 85.0 2.67 86.1 1,013 93,756 146,237 13,876,257 1,192 108,896 70-99 89.2 1.62 101.8 3,040 218,738 90,485 6,022,496 3,407 214,808100120 58.7 58.68 58.6 1 29 4 118 2 49

89.2 1.27 95.9 4,911 402,828 752,002 70,975,654 5,508 420,161TOTAL

89.0 85.0 7,604 831,321 2,151,666 458,182,9421.02GRAND TOTAL 977,8198,546


NON-SMOKER - EXPECTED CIA 97-04 TABLES



MALES ONLY


1 67.6 39.02 14.1 3 45 20,063 1,666,585 4 320 2 144.3 64.55 68.5 5 158 17,819 1,347,535 3 231 3 148.1 74.06 74.0 4 146 16,303 1,175,668 3 197 4 0.0 0.00 0.3 0 1 14,471 954,375 2 190 5 0.0 0.00 24.5 0 39 13,907 871,315 2 158 6-10 148.9 31.75 65.4 22 621 71,420 4,254,871 15 949 11-15 133.1 13.18 86.7 102 1,771 92,036 4,028,650 77 2,043

127.8 10.96 68.0 136 2,780 246,019 14,298,998 106 4,087TOTAL

0-4 75.7 16.52 64.1 21 913 164,930 8,699,355 28 1,424


5-14 100.7 21.98 47.1 21 576 67,904 4,655,745 21 1,223 15-24 78.1 39.04 78.5 4 313 8,977 743,272 5 399 25-34 320.1 184.83 135.5 3 66 846 47,703 1 49 35-44 176.3 78.86 74.7 5 102 1,034 65,465 3 137 45-54 157.7 45.52 69.1 12 199 958 56,716 8 288 55-64 139.5 28.47 92.4 24 296 805 24,287 17 320 65-89 190.6 28.10 127.1 46 314 565 6,455 24 24790-120 0.0 0 0 0 0 0 0

127.8 10.96 68.0 136 2,780 246,019 14,298,998 106 4,087TOTAL

15-19 80.3 22.27 60.6 13 388 39,136 1,556,956 16 641


20-29 92.4 10.89 84.3 72 2,040 108,318 3,388,458 78 2,421 30-39 127.5 11.50 101.2 123 2,060 112,363 2,377,135 96 2,035 40-49 153.6 8.00 103.4 369 7,725 159,297 4,783,515 240 7,469 50-59 116.6 3.18 94.8 1,344 31,258 293,964 8,676,438 1,153 32,965 60-69 90.3 1.56 84.6 3,363 58,602 320,016 6,234,594 3,724 69,269 70-99 94.2 0.64 90.3 21,904 202,014 398,846 4,477,118 23,245 223,667100120 5.7 0.74 25.3 59 299 2,356 2,694 1,038 1,181

92.1 0.56 89.6 27,247 304,386 1,434,296 31,496,908 29,591 339,648TOTAL

92.2 89.4 27,383 307,166 1,680,315 45,795,9070.56GRAND TOTAL 343,73529,697


UNCLASSIFIED - EXPECTED CIA 97-04 TABLES



MALES ONLY


1 131.4 35.13 81.1 14 1,140 20,003 3,756,714 11 1,406 2 106.5 21.30 203.4 25 5,850 17,507 3,017,738 23 2,876 3 113.2 20.66 84.7 30 2,681 17,536 2,800,962 27 3,167 4 102.5 19.03 48.4 29 1,662 16,813 2,560,327 28 3,433 5 91.7 16.48 74.5 31 2,869 17,459 2,405,097 34 3,849 6-10 99.6 6.09 81.5 268 18,028 100,827 10,390,502 269 22,114 11-15 106.9 4.72 100.5 513 20,477 105,838 6,415,788 480 20,371

104.4 3.46 92.1 910 52,708 295,983 31,347,127 871 57,216TOTAL

0-4 387.0 273.62 173.8 2 39 3,087 132,805 1 22


5-14 111.7 42.22 65.5 7 225 30,228 1,700,941 6 344 15-24 123.3 30.82 114.7 16 1,196 43,578 3,736,856 13 1,043 25-34 98.0 13.87 99.5 50 5,690 74,830 10,438,380 51 5,717 35-44 91.5 7.37 71.6 154 11,432 76,542 9,915,831 168 15,970 45-54 85.0 5.36 75.1 251 14,174 47,935 4,340,036 295 18,876 55-64 116.5 7.13 95.0 267 9,518 15,942 884,803 229 10,021 65-89 151.4 11.86 199.7 163 10,435 3,841 197,476 108 5,224

104.4 3.46 92.1 910 52,708 295,983 31,347,127 871 57,216TOTAL

15-19 141.3 63.17 155.8 5 229 16,081 671,840 4 147


20-29 120.0 32.07 170.2 14 698 42,747 1,491,182 12 410 30-39 137.0 31.43 117.9 19 674 26,760 1,070,334 14 572 40-49 87.0 8.93 89.0 95 5,176 59,441 3,170,403 109 5,815 50-59 82.3 4.83 80.1 291 12,163 63,216 2,818,919 353 15,186 60-69 91.2 4.28 84.3 455 10,551 35,317 922,034 499 12,512 70-99 137.5 3.93 130.6 1,226 18,392 24,999 396,980 892 14,082100120 0.0 0.00 0.0 0 0 5 36 2 11

111.7 2.43 98.3 2,105 47,883 268,566 10,541,728 1,884 48,735TOTAL

109.4 94.9 3,015 100,590 564,549 41,888,8551.99GRAND TOTAL 105,9522,756





FEMALES ONLY


1 101.8 16.97 80.0 36 6,209 132,654 36,561,374 35 7,762 2 76.6 10.94 58.5 49 7,362 116,335 29,762,511 64 12,591 3 103.1 11.67 78.8 78 11,147 112,524 27,097,310 76 14,138 4 68.1 9.10 69.0 56 9,575 99,424 22,446,395 82 13,881 5 85.2 9.25 80.2 85 13,161 99,504 21,360,411 100 16,412 6-10 82.4 3.22 97.2 654 96,719 473,291 78,216,694 793 99,492 11-15 92.6 2.62 93.8 1,254 82,025 368,530 36,245,453 1,354 87,463

88.3 1.88 89.9 2,212 226,198 1,402,261 251,690,149 2,504 251,740TOTAL

0-4 0.0 0.00 0.0 0 0 1,433 108,406 0 18


5-14 64.3 45.44 41.5 2 125 13,410 1,324,852 3 301 15-24 112.5 18.75 140.8 36 4,730 145,084 16,724,380 32 3,360 25-34 76.9 7.50 78.7 105 19,434 417,462 87,051,042 137 24,693 35-44 93.7 5.63 85.3 277 44,403 414,746 91,565,897 295 52,064 45-54 92.2 4.35 106.6 449 59,106 255,926 40,511,427 487 55,447 55-64 74.1 3.30 76.6 504 36,928 110,281 10,572,369 680 48,187 65-89 96.5 3.33 90.8 839 61,472 43,918 3,831,776 869 67,67090-120 0.0 0 0 0 1 0 0

88.3 1.88 89.9 2,212 226,198 1,402,261 251,690,149 2,504 251,740TOTAL

15-19 253.2 146.19 171.6 3 104 6,256 321,769 1 61


20-29 86.7 35.41 42.5 6 132 24,506 1,085,729 7 311 30-39 123.6 23.78 168.8 27 2,211 49,790 2,922,705 22 1,310 40-49 99.7 8.01 105.7 155 12,909 181,865 14,224,730 155 12,212 50-59 106.3 5.29 100.0 404 27,378 198,150 14,584,613 380 27,391 60-69 74.8 3.44 72.7 474 21,315 108,429 5,309,467 633 29,316 70-99 95.7 2.06 82.6 2,157 64,410 81,630 2,763,831 2,254 77,998100120 40.5 28.61 32.5 2 110 16 1,088 5 339

93.4 1.64 86.3 3,228 128,569 650,642 41,213,932 3,458 148,937TOTAL

91.2 88.5 5,440 354,766 2,052,903 292,904,0811.24GRAND TOTAL 400,6775,962





FEMALES ONLY


1 99.0 49.50 53.4 4 155 19,336 1,713,849 4 290 2 288.2 108.94 57.4 7 87 17,376 1,341,038 2 152 3 110.7 78.29 40.4 2 53 15,889 1,202,801 2 132 4 0.0 0.00 0.7 0 1 14,025 962,170 1 104 5 74.7 74.66 54.7 1 52 13,054 869,051 1 96 6-10 100.4 31.74 84.3 10 421 69,367 4,172,128 10 500 11-15 138.3 12.27 104.5 127 1,613 90,584 4,125,555 92 1,544

133.8 10.89 84.6 151 2,383 239,630 14,386,592 113 2,817TOTAL

0-4 64.2 18.55 66.8 12 701 160,664 8,965,568 19 1,048


5-14 103.9 32.86 69.4 10 438 64,880 4,638,539 10 630 15-24 0.0 0.00 10.4 0 15 7,998 632,477 2 145 25-34 469.9 271.28 141.9 3 40 818 42,683 1 28 35-44 252.0 95.25 206.4 7 184 1,179 48,868 3 89 45-54 174.1 46.54 132.9 14 240 1,120 28,095 8 181 55-64 131.5 21.06 102.5 39 329 1,712 19,053 30 321 65-89 159.1 19.58 116.5 66 436 1,260 11,309 41 37490-120 0.0 0 0 0 1 0 0

133.8 10.89 84.6 151 2,383 239,630 14,386,592 113 2,817TOTAL

15-19 54.4 27.19 56.4 4 178 37,478 1,623,066 7 315


20-29 96.3 18.19 77.6 28 722 102,337 3,312,012 29 930 30-39 115.0 16.26 117.5 50 1,033 94,239 1,937,323 43 879 40-49 125.7 9.53 98.0 174 3,619 128,466 3,365,442 138 3,692 50-59 102.5 4.03 95.7 649 11,799 202,466 4,161,121 633 12,327 60-69 79.4 2.17 74.1 1,338 13,468 170,422 1,947,234 1,686 18,181 70-99 105.2 1.02 105.1 10,738 50,265 228,938 1,260,123 10,202 47,811100120 15.7 2.01 26.3 61 163 1,060 1,793 388 622

99.4 0.87 95.9 13,042 81,246 965,407 17,608,114 13,127 84,757TOTAL

99.6 95.5 13,193 83,629 1,205,037 31,994,7060.87GRAND TOTAL 87,57513,240





FEMALES ONLY

WHOLE LIFESELECT EXPERIENCEBY POLICY YEAR

1-5 96.0 7.00 93.8 188 17,595 246,233 25,998,136 196 18,756 6-15 101.1 2.25 83.3 2,016 87,505 735,562 50,170,295 1,994 105,081

TOTAL 2,204 105,099 981,795 76,168,431100.6 2.14 84.9 2,190 123,836

0-29 91.0 7.10 88.8 164 11,038 546,325 35,825,764 180 12,436

BY ISSUE AGE

30-54 98.9 3.52 74.0 787 40,779 353,789 35,522,880 796 55,11655-120 103.2 2.92 94.7 1,253 53,282 81,680 4,819,787 1,214 56,285

TOTAL 2,204 105,099 981,795 76,168,431100.6 2.14 84.9 2,190 123,836

1-5 83.0 3.88 77.4 458 139,344 712,104 262,830,751 552 180,080

RENEWABLE TERMSELECT EXPERIENCEBY POLICY YEAR

6-15 85.9 2.53 84.6 1,157 238,578 718,258 170,897,090 1,347 281,877

TOTAL 1,615 377,922 1,430,362 433,727,84185.1 2.12 81.8 1,898 461,958

0-29 82.1 9.48 65.1 75 13,055 236,024 53,111,438 91 20,068

BY ISSUE AGE

30-54 88.7 2.63 86.3 1,142 289,770 1,100,740 357,694,250 1,287 335,71855-120 76.6 3.84 70.7 398 75,097 93,597 22,922,153 520 106,172

TOTAL 1,615 377,922 1,430,362 433,727,84185.1 2.12 81.8 1,898 461,958

1-5 101.6 5.32 86.3 365 56,945 450,928 80,011,284 359 66,011

UNIVERSAL LIFESELECT EXPERIENCEBY POLICY YEAR

6-15 85.9 2.34 83.2 1,346 177,096 679,024 90,492,030 1,568 212,824

TOTAL 1,711 234,040 1,129,952 170,503,31388.8 2.15 83.9 1,927 278,835

0-29 92.1 7.84 87.9 138 15,160 454,910 49,516,116 150 17,239

BY ISSUE AGE

30-54 91.4 3.32 80.1 758 102,950 582,767 107,171,011 830 128,47255-120 86.0 3.01 87.1 815 115,931 92,275 13,816,186 948 133,124

TOTAL 1,711 234,040 1,129,952 170,503,31388.8 2.15 83.9 1,927 278,835





TERM RIDERSELECT EXPERIENCEBY POLICY YEAR

1-5 0.0 0.00 69.7 0 7,469 0 19,733,751 0 10,720 6-15 0.0 0.00 105.2 0 20,132 0 14,775,746 0 19,133

TOTAL 0 27,601 0 34,509,4970.0 0.00 92.5 0 29,853

0-29 0.0 0.00 71.6 0 2,142 0 7,760,595 0 2,990

BY ISSUE AGE

30-54 0.0 0.00 91.6 0 21,169 0 25,925,179 0 23,10255-120 0.0 0.00 114.1 0 4,291 0 823,723 0 3,762

TOTAL 0 27,601 0 34,509,4970.0 0.00 92.5 0 29,853

1-5 96.0 9.37 86.7 105 6,298 36,062 2,992,447 109 7,268

TERM TO 100SELECT EXPERIENCEBY POLICY YEAR

6-15 95.8 2.54 76.8 1,427 62,124 191,322 12,215,378 1,489 80,927

TOTAL 1,532 68,422 227,384 15,207,82595.8 2.45 77.6 1,598 88,195

0-29 85.1 19.53 58.1 19 855 54,701 3,214,239 22 1,472

BY ISSUE AGE

30-54 95.9 5.49 78.3 305 15,007 102,513 8,337,139 318 19,16955-120 96.0 2.76 77.8 1,208 52,560 70,169 3,656,447 1,258 67,554

TOTAL 1,532 68,422 227,384 15,207,82595.8 2.45 77.6 1,598 88,195

1-5 217.9 77.05 121.7 8 690 1,933 585,648 4 567

OTHER PERMANENTSELECT EXPERIENCEBY POLICY YEAR

6-15 105.2 7.09 101.2 220 8,404 59,981 3,907,624 209 8,306

TOTAL 228 9,094 61,914 4,493,272107.1 7.09 102.5 213 8,873

0-29 134.6 33.66 141.2 16 1,156 36,401 2,229,335 12 818

BY ISSUE AGE

30-54 116.9 13.41 120.5 76 5,017 18,976 2,029,386 65 4,16555-120 100.1 8.58 75.1 136 2,921 6,537 234,551 136 3,889

TOTAL 228 9,094 61,914 4,493,272107.1 7.09 102.5 213 8,873





OTHER TERMSELECT EXPERIENCEBY POLICY YEAR

1-5 69.3 15.89 69.4 19 3,756 35,335 7,606,785 27 5,409 6-15 67.0 9.29 61.3 52 7,942 48,794 9,549,839 78 12,960

TOTAL 71 11,698 84,129 17,156,62567.6 8.02 63.7 105 18,370

0-29 29.1 20.56 18.8 2 245 15,914 3,057,841 7 1,301

BY ISSUE AGE

30-54 71.6 9.40 73.3 58 10,820 66,193 13,807,420 81 14,76255-120 64.3 19.38 27.4 11 633 2,022 291,364 17 2,307

TOTAL 71 11,698 84,129 17,156,62567.6 8.02 63.7 105 18,370

1-5 153.0 54.09 145.3 8 1,330 10,649 2,019,619 5 915

OTHERSELECT EXPERIENCEBY POLICY YEAR

6-15 70.6 31.56 65.9 5 330 6,726 340,641 7 501

TOTAL 13 1,660 17,375 2,360,260105.6 29.28 117.3 12 1,416

0-29 0.0 0.00 0.0 0 0 7,721 629,175 2 187

BY ISSUE AGE

30-54 124.2 37.46 144.0 11 1,605 9,254 1,680,679 9 1,11555-120 170.3 120.40 48.0 2 55 401 50,407 1 115

TOTAL 13 1,660 17,375 2,360,260105.6 29.28 117.3 12 1,416





WHOLE LIFEULTIMATE EXPERIENCEBY ATTAINED AGE

15-44 119.2 4.48 98.1 708 20,510 892,952 31,272,899 594 20,908 45-69 92.8 0.95 86.1 9,458 239,173 1,757,307 62,043,546 10,196 277,67970-120 95.4 0.50 106.3 36,481 420,478 742,555 9,513,759 38,221 395,582

TOTAL 46,647 680,161 3,392,814 102,830,20495.2 0.44 98.0 49,011 694,169

15-44 66.4 17.75 59.1 14 1,090 25,209 1,998,707 21 1,844

RENEWABLE TERMULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 95.7 3.82 107.9 628 78,819 164,835 20,102,498 656 73,03070-120 89.1 9.24 113.9 93 8,488 3,938 326,412 104 7,449

TOTAL 735 88,396 193,982 22,427,61794.0 3.47 107.4 782 82,323

15-44 92.8 11.69 89.7 63 4,350 107,078 7,212,112 68 4,848

UNIVERSAL LIFEULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 88.1 3.68 96.0 573 55,622 156,538 15,714,714 650 57,93670-120 90.6 3.92 67.3 536 28,453 18,101 1,374,217 591 42,250

TOTAL 1,172 88,425 281,717 24,301,04389.5 2.61 84.2 1,309 105,033

15-44 0.0 0.00 132.5 0 853 0 768,313 0 644

TERM RIDERULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 0.0 0.00 104.0 0 10,493 0 3,398,825 0 10,08570-120 0.0 0.00 101.9 0 1,183 0 44,921 0 1,161

TOTAL 0 12,529 0 4,212,0590.0 0.00 105.4 0 11,890

15-44 108.4 20.13 99.7 29 1,899 36,791 2,327,663 27 1,905

TERM TO 100ULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 84.5 3.51 77.2 579 46,668 140,742 14,119,590 685 60,43770-120 93.5 2.33 72.5 1,606 100,844 44,445 3,560,077 1,717 139,036

TOTAL 2,214 149,410 221,978 20,007,33091.1 1.94 74.2 2,429 201,379





OTHER PERMANENTULTIMATE EXPERIENCEBY ATTAINED AGE

15-44 102.7 17.35 105.8 35 1,445 55,999 2,118,369 34 1,366 45-69 88.3 4.31 95.6 420 14,089 81,007 3,401,287 476 14,73770-120 84.6 1.97 92.5 1,840 22,601 38,863 550,232 2,175 24,440

TOTAL 2,295 38,135 175,869 6,069,88885.5 1.78 94.1 2,685 40,542

15-44 30.3 21.42 18.9 2 100 7,993 592,862 7 525

OTHER TERMULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 76.0 5.34 84.2 203 13,106 60,451 4,617,052 267 15,57270-120 89.4 7.11 68.2 158 2,654 5,564 140,579 177 3,890

TOTAL 363 15,859 74,008 5,350,49380.6 4.23 79.3 450 19,987

15-44 180.1 73.52 190.5 6 216 5,902 146,659 3 114

OTHERULTIMATE EXPERIENCEBY ATTAINED AGE

45-69 80.9 12.80 110.6 40 3,197 11,328 745,470 49 2,89070-120 91.7 15.29 109.8 36 1,732 750 37,081 39 1,578

TOTAL 82 5,145 17,979 929,21089.1 9.84 112.3 92 4,581





TABLE 10CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009‐‐EXPECTED CIA 97‐04 TABLES

RATIO A/ENUMBER S.D. AMOUNT NUMBER AMOUNT(‘000) NUMBER AMOUNT(‘000) NUMBER AMOUNT(‘000)


1 77.6 38.8 49.9 4 1,210 6,827 3,334,336 5 2,4252 88.9 36.3 65.7 6 1,935 5,033 2,296,382 7 2,9453 81.2 33.1 121.6 6 4,050 4,710 2,148,632 7 3,3304 98.8 37.3 156.1 7 4,460 3,584 1,508,384 7 2,8575 128.3 34.3 113.0 14 4,219 4,387 1,631,926 11 3,733

6‐10 73.1 11.7 116.6 39 16,916 16,117 4,716,418 53 14,504 11‐15 103.2 73.0 71.7 2 275 373 85,013 2 384TOTAL 84.3 9.5 109.6 78 33,065 41,031 15,721,090 93 30,177


5‐14 0.0 0.0 0.0 0 0 125 13,935 0 6 15‐24 134.5 95.1 212.2 2 750 1,951 492,775 1 354 25‐34 130.7 33.8 172.7 15 7,126 13,260 5,043,955 11 4,125 35‐44 88.7 18.5 127.8 23 12,866 16,160 6,868,809 26 10,063 45‐54 78.4 14.8 93.6 28 10,420 8,222 2,913,736 36 11,135 55‐64 52.6 18.6 41.2 8 1,703 1,233 375,496 15 4,132 65‐89 75.2 53.2 55.2 2 200 81 12,386 3 362TOTAL 84.3 9.5 109.6 78 33,065 41,031 15,721,090 93 30,177


30‐39 0.0 0.0 0.0 0 0 1 50 0 0 40‐49 0.0 0 0 0 100 0 0 50‐59 0.0 0 0 0 100 0 0TOTAL 0.0 0.0 0.0 0 0 1 250 0 1

GRAND TOTAL 84.3 9.5 109.6 78 33,065 41,032 15,721,340 93 30,178

ACTUAL DEATHS EXPOSURES EXPECTED DEATHS

MALES ONLY Underwriting Type: PREFERRED Preferred Class: PREFERRED Smoking Status: SMOKER





1 88.7 31.3 23.0 8 400 10,111 2,349,759 9 1,7372 60.0 22.7 41.6 7 900 7,091 1,550,310 12 2,1633 72.4 22.9 63.0 10 1,555 7,056 1,537,779 14 2,4684 109.4 25.8 104.5 18 2,962 7,272 1,494,841 16 2,8355 90.6 25.1 85.0 13 1,885 5,607 1,060,273 14 2,218

6‐10 94.5 10.4 79.6 82 9,079 24,993 3,762,122 87 11,408 11‐15 97.0 56.0 25.1 3 81 599 65,847 3 323TOTAL 90.9 7.7 72.8 141 16,862 62,728 11,820,932 155 23,152


5‐14 210.1 105.1 194.7 4 185 4,424 223,898 2 95 15‐24 109.4 48.9 76.5 5 331 6,115 621,237 5 433 25‐34 99.5 25.7 87.7 15 2,708 17,741 3,732,164 15 3,086 35‐44 99.7 17.3 104.4 33 7,896 19,645 4,842,496 33 7,564 45‐54 83.5 12.9 45.6 42 3,747 11,560 2,082,388 50 8,217 55‐64 75.1 14.4 53.6 27 1,679 2,793 296,201 36 3,129 65‐89 105.7 27.3 50.6 15 318 451 22,547 14 628TOTAL 90.9 7.7 72.8 141 16,862 62,728 11,820,932 155 23,152


15‐19 0.0 0.0 0.0 0 0 12 781 0 0 20‐29 0.0 0.0 0.0 0 0 62 3,876 0 3 30‐39 0.0 0.0 0.0 0 0 27 2,127 0 2 40‐49 0.0 0.0 0.0 0 0 117 14,617 0 37 50‐59 142.3 100.6 101.5 2 200 211 29,857 1 197 60‐69 97.4 68.9 52.2 2 125 110 13,740 2 240 70‐99 101.2 101.2 15.0 1 15 19 2,237 1 100TOTAL 103.7 46.4 58.7 5 340 559 67,234 5 579

GRAND TOTAL 91.3 7.6 72.5 146 17,202 63,287 11,888,166 160 23,732

MALES ONLY Underwriting Type: PREFERRED Preferred Class: STANDARD Smoking Status: SMOKER




MALES ONLY Underwriting Type: STANDARD Preferred Class: N/A Smoking Status: SMOKER

RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHSNUMBER S.D. AMOUNT NUMBER AMOUNT(‘000) NUMBER AMOUNT(‘000) NUMBER AMOUNT(‘000)


1 146.3 34.5 81.8 18 1,403 11,387 2,078,698 12 1,7162 83.9 18.8 49.7 20 1,439 11,323 1,839,126 24 2,8983 97.8 19.6 65.1 25 2,196 11,561 1,776,078 26 3,3744 57.1 14.8 71.9 15 2,129 11,103 1,643,771 26 2,9615 79.5 15.9 80.1 25 2,863 11,931 1,698,981 31 3,574

6‐10 102.1 6.0 74.4 288 19,278 75,072 8,663,115 282 25,914 11‐15 99.9 4.0 100.2 629 39,345 102,932 8,121,388 630 39,285TOTAL 98.9 3.1 86.1 1,020 68,652 235,311 25,821,156 1,031 79,722


0‐4 0.0 0.0 0.0 0 0 2,990 126,987 1 49 5‐14 117.8 29.4 77.5 16 573 26,310 1,474,550 14 739 15‐24 65.0 14.9 56.7 19 1,349 34,145 2,911,457 29 2,379 25‐34 86.8 10.6 65.6 67 6,356 59,065 8,000,463 77 9,688 35‐44 101.0 7.3 85.7 191 19,446 62,593 8,799,843 189 22,682 45‐54 103.0 5.7 80.8 323 20,010 36,049 3,658,199 313 24,770 55‐64 98.4 5.9 115.3 278 16,544 11,669 741,860 282 14,343 65‐89 101.1 9.0 86.2 126 4,374 2,489 107,799 125 5,073TOTAL 98.9 3.1 86.1 1,020 68,652 235,311 25,821,156 1,031 79,722


15‐19 97.5 36.9 90.1 7 261 16,286 658,763 7 290 20‐29 90.3 16.8 100.8 29 1,118 45,424 1,564,051 32 1,109 30‐39 122.3 20.1 109.2 37 1,255 26,708 1,011,508 30 1,149 40‐49 115.6 9.4 98.6 150 8,497 52,900 3,448,232 130 8,619 50‐59 87.7 4.3 109.8 416 33,457 70,566 4,626,492 474 30,476 60‐69 83.3 3.1 88.1 734 33,830 41,657 1,919,457 881 38,416 70‐99 98.8 2.5 92.6 1,549 31,708 25,506 609,382 1,568 34,237100‐120 0.0 0.0 0.0 0 0 6 18 3 8TOTAL 93.5 1.7 96.3 2,922 110,127 279,052 13,837,903 3,126 114,304

GRAND TOTAL 94.8 1.5 92.1 3,942 178,778 514,363 39,659,059 4,157 194,026



MALES ONLY Underwriting Type: PREFERRED Preferred Class: PREFERRED Smoking Status: NON‐SMOKER



1 61.3 15.8 47.3 15 6,326 49,636 27,343,157 24 13,3642 52.2 14.0 68.1 14 9,900 39,974 22,258,400 27 14,5393 77.3 15.8 55.7 24 8,880 38,620 20,559,866 31 15,9454 73.8 15.1 73.2 24 11,370 33,632 17,276,244 33 15,5435 88.0 14.3 82.2 38 16,299 36,928 17,901,251 43 19,841

6‐10 77.8 6.5 70.9 143 50,019 116,364 46,799,981 184 70,596 11‐15 91.2 34.5 32.4 7 825 3,509 1,282,717 8 2,545TOTAL 75.8 4.7 68.0 265 103,619 318,663 153,421,615 350 152,372


5‐14 0.0 0.0 0.0 0 0 199 27,223 0 12 15‐24 18.2 18.2 7.6 1 112 11,352 3,167,891 5 1,473 25‐34 59.3 12.1 42.5 24 7,570 82,881 37,692,130 40 17,825 35‐44 67.0 8.9 60.3 57 26,007 122,452 64,940,482 85 43,152 45‐54 107.1 10.0 108.2 114 51,583 76,839 37,452,489 106 47,681 55‐64 69.2 8.9 51.6 60 16,648 22,682 9,226,063 87 32,233 65‐89 35.7 11.9 17.0 9 1,699 2,258 915,337 25 9,996TOTAL 75.8 4.7 68.0 265 103,619 318,663 153,421,615 350 152,372


30‐39 0.0 0.0 0.0 0 0 20 3,560 0 3 40‐49 0.0 0.0 0.0 0 0 270 52,915 0 68 50‐59 178.7 126.4 124.1 2 300 443 96,476 1 242 60‐69 287.6 166.0 124.5 3 350 145 38,183 1 281 70‐99 0.0 0.0 0.0 0 0 13 3,064 0 60TOTAL 180.1 80.5 99.5 5 650 890 194,197 3 654

GRAND TOTAL 76.6 4.7 68.1 270 104,269 319,553 153,615,812 352 153,026



MALES ONLY Underwriting Type: PREFERRED Preferred Class: STANDARD Smoking Status: NON‐SMOKER



1 116.3 23.7 88.8 24 6,027 36,222 13,317,138 21 6,7902 92.9 21.3 38.7 19 2,374 26,164 8,788,319 20 6,1313 106.0 20.0 99.4 28 7,745 27,028 9,092,554 26 7,7904 94.4 17.5 85.1 29 7,636 26,261 8,730,252 31 8,9715 120.8 21.0 70.7 33 4,963 19,729 5,969,949 27 7,022

6‐10 88.3 7.2 68.6 149 23,328 71,225 17,528,275 169 33,993 11‐15 46.5 23.3 43.4 4 525 2,513 417,791 9 1,210TOTAL 94.4 5.6 73.1 286 52,598 209,141 63,844,279 303 71,907


0‐4 0.0 0.0 0.0 0 0 36 2,419 0 1 5‐14 491.3 491.3 282.8 1 70 452 55,337 0 25 15‐24 75.7 28.6 29.6 7 276 19,655 2,055,302 9 931 25‐34 82.8 18.5 45.8 20 3,113 50,287 14,592,723 24 6,788 35‐44 99.3 15.0 78.9 44 12,586 64,505 24,879,444 44 15,947 45‐54 108.0 12.6 73.0 74 15,140 47,668 16,213,399 69 20,734 55‐64 86.4 9.4 84.5 85 18,364 22,004 5,471,066 98 21,745 65‐89 94.8 12.8 53.2 55 3,050 4,534 574,589 58 5,736TOTAL 94.4 5.6 73.1 286 52,598 209,141 63,844,279 303 71,907


15‐19 0.0 0.0 0.0 0 0 47 2,979 0 1 20‐29 0.0 0.0 0.0 0 0 23 1,951 0 2 30‐39 0.0 0.0 0.0 0 0 118 11,039 0 9 40‐49 0.0 0.0 0.0 0 0 536 86,832 1 112 50‐59 36.1 36.1 26.4 1 150 1,072 218,010 3 568 60‐69 73.0 36.5 49.2 4 435 698 116,109 5 884 70‐99 117.0 47.8 158.7 6 895 167 20,150 5 564TOTAL 77.6 23.4 69.2 11 1,480 2,660 457,071 14 2,139

GRAND TOTAL 93.7 5.4 73.0 297 54,078 211,802 64,301,350 317 74,046



MALES ONLY Underwriting Type: STANDARD Preferred Class: N/A Smoking Status: NON‐SMOKER



1 109.2 19.0 129.5 33 9,419 43,317 12,905,948 30 7,2752 99.1 15.1 157.7 43 14,378 44,629 11,737,117 43 9,1173 117.4 16.0 110.9 54 11,524 44,433 10,955,993 46 10,3894 122.4 16.3 111.9 56 9,398 39,189 8,322,295 46 8,4015 83.2 12.0 58.6 48 5,506 41,818 8,334,012 58 9,403

6‐10 90.9 3.8 78.0 575 80,673 273,025 53,632,508 633 103,455 11‐15 88.4 2.5 78.7 1,262 129,201 334,569 49,697,241 1,428 164,202TOTAL 90.7 2.0 83.3 2,071 260,100 820,981 155,585,113 2,284 312,242


0‐4 362.2 256.1 330.1 2 135 1,443 106,803 1 41 5‐14 148.5 44.8 61.8 11 425 12,858 1,210,302 7 687 15‐24 75.0 11.6 75.6 42 4,429 93,158 10,148,202 56 5,855 25‐34 81.8 7.3 66.0 126 18,862 218,512 42,202,436 154 28,583 35‐44 91.0 5.6 100.1 261 62,276 242,071 58,002,019 287 62,209 45‐54 94.6 4.5 71.4 451 56,277 159,328 31,594,494 477 78,774 55‐64 85.1 3.6 96.4 570 72,378 70,758 9,917,715 670 75,053 65‐89 96.1 3.9 74.3 608 45,318 22,852 2,403,091 633 61,03290‐120 0.0 0.0 0.0 0 0 1 50 0 9TOTAL 90.7 2.0 83.3 2,071 260,100 820,981 155,585,113 2,284 312,242


15‐19 106.9 61.7 107.3 3 156 6,423 333,750 3 145 20‐29 62.5 18.8 84.4 11 639 24,660 1,061,139 18 758 30‐39 99.7 16.2 81.6 38 1,900 49,438 3,012,251 38 2,329 40‐49 83.5 6.1 78.9 187 18,043 181,464 18,203,849 224 22,862 50‐59 100.5 4.1 98.0 588 64,744 233,344 26,392,425 585 66,044 60‐69 84.8 2.7 86.7 970 90,702 140,182 13,301,143 1,145 104,620 70‐99 89.3 1.6 104.3 2,941 214,074 87,350 5,766,303 3,292 205,195100‐120 58.7 58.7 58.6 1 29 4 118 2 49TOTAL 89.3 1.3 97.1 4,739 390,287 722,865 68,070,976 5,306 402,002

GRAND TOTAL 89.7 1.1 91.1 6,810 650,387 1,543,846 223,656,090 7,590 714,244





1 138.2 97.7 110.1 2 510 3,936 1,427,555 1 4632 114.7 66.2 416.8 3 3,850 2,906 1,064,691 3 9243 66.8 47.3 39.9 2 350 2,599 878,179 3 8764 32.3 32.3 11.2 1 100 2,069 662,124 3 8945 103.5 46.3 85.7 5 1,200 2,582 717,522 5 1,401

6‐10 72.8 18.2 50.5 16 2,170 10,296 2,161,466 22 4,299 11‐15 148.5 148.5 50.3 1 50 254 40,340 1 99TOTAL 79.7 14.5 91.9 30 8,230 24,642 6,951,876 38 8,956


5‐14 0.0 0.0 0.0 0 0 174 15,792 0 3 15‐24 216.5 216.5 107.8 1 100 1,879 398,905 0 93 25‐34 60.2 42.5 22.1 2 200 8,659 2,618,426 3 905 35‐44 66.7 25.2 38.1 7 1,045 8,714 2,637,619 11 2,742 45‐54 83.8 23.2 72.8 13 2,450 4,451 1,092,012 16 3,365 55‐64 89.5 40.0 149.9 5 1,925 654 162,511 6 1,284 65‐89 90.1 63.7 444.6 2 2,510 112 26,611 2 565TOTAL 79.7 14.5 91.9 30 8,230 24,642 6,951,876 38 8,956


50‐59 0.0 0.0 0.0 0 0 1 50 0 0TOTAL 0.0 0.0 0.0 0 0 1 50 0 0

GRAND TOTAL 79.7 14.5 91.9 30 8,230 24,643 6,951,926 38 8,956


FEMALES ONLY Underwriting Type: PREFERRED Preferred Class: PREFERRED Smoking Status: SMOKER





1 177.1 72.3 91.4 6 375 7,236 1,120,435 3 4102 96.0 39.2 59.2 6 386 5,397 766,812 6 6533 115.5 38.5 95.2 9 830 5,470 764,396 8 8724 99.3 33.1 51.6 9 469 5,492 734,479 9 9095 87.7 31.0 67.9 8 531 4,697 520,522 9 781

6‐10 92.3 12.9 78.0 51 3,166 21,599 1,891,901 55 4,060 11‐15 204.5 118.1 187.3 3 220 424 40,199 1 117TOTAL 99.7 10.4 76.6 92 5,977 50,314 5,838,743 92 7,804


5‐14 136.2 136.2 26.6 1 10 4,051 208,992 1 38 15‐24 0.0 0.0 18.8 0 25 7,037 576,056 2 133 25‐34 181.4 60.5 135.8 9 900 13,735 1,956,441 5 663 35‐44 149.8 29.4 91.1 26 2,039 13,479 1,977,189 17 2,239 45‐54 82.6 15.6 76.0 28 2,339 8,911 933,039 34 3,079 55‐64 66.2 16.5 26.0 16 343 2,589 167,468 24 1,317 65‐89 126.5 36.5 95.9 12 321 513 19,559 9 335TOTAL 99.7 10.4 76.6 92 5,977 50,314 5,838,743 92 7,804


15‐19 0.0 0.0 0.0 0 0 17 984 0 0 20‐29 0.0 0.0 0.0 0 0 73 5,122 0 1 30‐39 0.0 0.0 0.0 0 0 9 985 0 1 40‐49 0.0 0.0 0.0 0 0 94 8,693 0 16 50‐59 0.0 0.0 0.0 0 0 87 7,413 0 40 60‐69 0.0 0.0 0.0 0 0 49 2,898 1 37 70‐99 0.0 0.0 0.0 0 0 16 656 1 20TOTAL 0.0 0.0 0.0 0 0 345 26,752 2 115

GRAND TOTAL 97.7 10.2 75.5 92 5,977 50,660 5,865,495 94 7,919

FEMALES ONLY Underwriting Type: PREFERRED Preferred Class: STANDARD Smoking Status: SMOKER




FEMALES ONLY Underwriting Type: STANDARD Preferred Class: N/A Smoking Status: SMOKER



1 104.0 42.5 48.6 6 255 8,736 1,187,110 6 5252 112.5 28.1 131.7 16 1,614 8,904 1,107,924 14 1,2253 123.9 28.4 113.3 19 1,501 9,174 1,085,450 15 1,3254 121.5 27.9 70.4 19 1,093 8,992 1,113,154 16 1,5525 89.6 21.7 69.0 17 1,064 9,742 1,094,522 19 1,541

6‐10 104.2 7.5 93.1 193 11,987 65,771 5,860,305 185 12,882 11‐15 107.1 4.8 101.4 503 19,722 102,363 6,068,138 470 19,453TOTAL 106.6 3.8 96.7 773 37,236 213,683 17,516,602 725 38,503


0‐4 402.5 284.6 178.0 2 39 2,968 129,685 0 22 5‐14 111.6 45.5 71.7 6 215 25,431 1,460,350 5 300 15‐24 133.4 35.6 132.9 14 1,049 33,548 2,672,977 10 789 25‐34 90.1 14.8 109.2 37 4,240 50,401 5,489,568 41 3,882 35‐44 87.2 8.0 78.4 118 8,027 52,064 4,896,901 135 10,239 45‐54 85.0 5.9 75.2 204 8,878 33,594 2,182,808 240 11,806 55‐64 123.4 7.9 100.0 243 7,186 12,492 534,739 197 7,188 65‐89 156.7 12.8 177.7 149 7,604 3,185 149,575 95 4,279TOTAL 106.6 3.8 96.7 773 37,236 213,683 17,516,602 725 38,503


15‐19 145.2 64.9 158.3 5 229 15,633 661,487 3 145 20‐29 123.4 33.0 173.2 14 698 41,543 1,464,589 11 403 30‐39 140.2 32.2 119.6 19 674 26,148 1,056,001 14 564 40‐49 85.9 9.0 87.5 92 4,929 58,322 3,074,710 107 5,631 50‐59 82.0 4.9 81.2 284 11,923 61,951 2,725,334 346 14,684 60‐69 91.7 4.3 85.9 450 10,488 34,729 898,690 491 12,207 70‐99 137.6 3.9 131.0 1,219 18,217 24,804 391,520 886 13,909100‐120 0.0 0.0 0.0 0 0 5 36 2 11TOTAL 112.0 2.5 99.2 2,083 47,158 263,133 10,272,367 1,860 47,554

GRAND TOTAL 110.5 2.1 98.1 2,856 84,394 476,816 27,788,969 2,585 86,057



FEMALES ONLY Underwriting Type: PREFERRED Preferred Class: PREFERRED Smoking Status: NON‐SMOKER



1 89.6 31.7 79.1 8 2,790 46,340 19,042,760 9 3,5262 51.5 19.5 38.1 7 2,120 35,721 14,369,874 14 5,5573 77.9 22.5 56.7 12 3,150 33,032 12,724,464 15 5,5584 50.1 17.7 51.0 8 2,621 28,042 10,277,105 16 5,1405 62.2 16.6 66.1 14 4,654 31,217 10,462,098 23 7,040

6‐10 79.3 8.9 113.9 80 28,353 101,531 26,898,901 101 24,893 11‐15 81.6 47.1 51.2 3 350 2,871 610,268 4 684TOTAL 72.9 6.3 84.0 132 44,038 278,754 94,385,471 181 52,398


5‐14 0.0 0.0 0.0 0 0 150 25,206 0 5 15‐24 213.1 95.3 223.8 5 1,200 14,431 3,531,554 2 536 25‐34 75.4 18.3 83.3 17 6,236 96,358 34,140,914 23 7,486 35‐44 65.5 11.6 55.7 32 9,078 103,606 38,188,545 49 16,299 45‐54 91.3 12.7 120.9 52 18,040 51,628 15,286,532 57 14,922 55‐64 53.2 12.9 100.5 17 7,104 10,911 2,639,124 32 7,066 65‐89 49.3 16.4 39.1 9 2,380 1,670 573,596 18 6,084TOTAL 72.9 6.3 84.0 132 44,038 278,754 94,385,471 181 52,398


30‐39 0.0 0.0 0.0 0 0 16 3,550 0 2 40‐49 0.0 0.0 0.0 0 0 208 32,732 0 29 50‐59 0.0 0.0 0.0 0 0 296 42,220 1 79 60‐69 0.0 0.0 0.0 0 0 78 9,723 0 46 70‐99 0.0 0.0 0.0 0 0 3 625 0 12TOTAL 0.0 0.0 0.0 0 0 601 88,851 1 168

GRAND TOTAL 72.5 6.3 83.8 132 44,038 279,355 94,474,322 182 52,566



FEMALES ONLY Underwriting Type: PREFERRED Preferred Class: STANDARD Smoking Status: NON‐SMOKER



1 78.7 27.8 36.6 8 650 37,648 8,251,213 10 1,7772 69.3 20.9 76.1 11 1,690 28,136 5,470,828 16 2,2203 113.1 23.1 115.1 24 3,402 28,163 5,336,044 21 2,9564 49.4 14.3 50.3 12 1,600 25,869 4,708,043 24 3,1785 76.6 19.2 74.2 16 1,725 18,730 3,108,897 21 2,325

6‐10 79.0 8.3 109.4 91 10,747 64,545 8,393,006 115 9,824 11‐15 79.6 35.6 102.0 5 565 2,370 275,355 6 554TOTAL 78.1 6.0 89.3 167 20,380 205,460 35,543,386 214 22,834


0‐4 0.0 0.0 0.0 0 0 28 1,716 0 0 5‐14 0.0 0.0 0.0 0 0 397 55,960 0 10 15‐24 214.3 75.8 114.0 8 394 23,452 2,292,010 4 345 25‐34 69.3 23.1 79.1 9 1,928 60,984 12,007,012 13 2,439 35‐44 101.5 19.5 86.7 27 4,460 57,277 12,454,823 27 5,146 45‐54 96.7 14.7 129.8 43 8,200 38,908 6,481,880 44 6,315 55‐64 60.4 9.9 76.0 37 3,952 18,012 1,871,464 61 5,202 65‐89 66.4 10.1 42.8 43 1,447 6,402 378,520 65 3,377TOTAL 78.1 6.0 89.3 167 20,380 205,460 35,543,386 214 22,834


15‐19 0.0 0.0 0.0 0 0 56 4,102 0 1 20‐29 0.0 0.0 0.0 0 0 25 1,536 0 1 30‐39 0.0 0.0 0.0 0 0 129 11,174 0 5 40‐49 0.0 0.0 0.0 0 0 496 53,665 0 48 50‐59 138.5 97.9 147.2 2 235 738 81,343 1 160 60‐69 223.4 111.7 292.2 4 450 326 29,744 2 154 70‐99 112.1 50.1 249.7 5 760 182 13,070 4 304TOTAL 134.0 40.4 215.0 11 1,445 1,952 194,634 8 672

GRAND TOTAL 80.1 6.0 92.8 178 21,825 207,412 35,738,020 222 23,506



FEMALES ONLY Underwriting Type: STANDARD Preferred Class: N/A Smoking Status: NON‐SMOKER



1 124.0 27.7 114.4 20 2,769 48,216 9,118,447 16 2,4222 92.3 16.6 78.4 31 3,552 50,585 9,179,795 34 4,5283 110.6 17.1 86.2 42 4,595 49,555 8,395,118 38 5,3284 85.8 14.5 100.6 35 5,304 44,023 6,955,441 41 5,2735 96.1 13.3 92.4 52 6,117 47,248 7,172,865 54 6,622

6‐10 84.1 3.9 88.8 470 54,741 291,183 39,428,657 559 61,638 11‐15 92.8 2.6 92.8 1,228 78,137 353,577 33,938,775 1,324 84,156TOTAL 90.9 2.1 91.3 1,878 155,215 884,387 114,189,098 2,065 169,966


0‐4 0.0 0.0 0.0 0 0 1,406 106,690 0 18 5‐14 66.8 47.2 43.7 2 125 12,797 1,242,135 3 286 15‐24 90.4 18.9 129.7 23 3,136 105,277 10,645,412 25 2,418 25‐34 79.8 9.1 78.1 77 10,700 248,722 38,011,692 97 13,707 35‐44 100.3 6.9 99.1 211 28,278 241,976 37,923,526 210 28,542 45‐54 90.7 4.9 92.6 339 30,027 159,103 17,573,373 374 32,416 55‐64 76.9 3.6 73.1 444 25,586 79,712 5,843,290 578 34,999 65‐89 100.4 3.6 99.6 782 57,363 35,393 2,842,980 779 57,58090‐120 0.0 0 0 0 1 0 0TOTAL 90.9 2.1 91.3 1,878 155,215 884,387 114,189,098 2,065 169,966


15‐19 255.4 147.4 173.7 3 104 6,200 317,667 1 60 20‐29 87.4 35.7 42.7 6 132 24,338 1,081,002 7 310 30‐39 125.1 24.1 170.9 27 2,211 49,185 2,887,998 22 1,293 40‐49 100.9 8.2 103.9 153 12,244 177,528 13,743,003 152 11,782 50‐59 107.9 5.4 100.4 398 26,438 192,368 14,014,513 369 26,332 60‐69 74.9 3.5 70.7 463 20,176 105,685 5,161,628 618 28,549 70‐99 95.7 2.1 82.2 2,121 62,796 80,058 2,697,512 2,216 76,401100‐120 40.5 28.6 32.5 2 110 16 1,088 5 339TOTAL 93.6 1.7 85.6 3,173 124,212 635,376 39,904,412 3,389 145,065

GRAND TOTAL 92.6 1.3 88.7 5,051 279,427 1,519,763 154,093,510 5,454 315,031


1 0-4 59.4 42.6 3 150 21,686 1,590,308 5 352 1 5-9 0.0 0.0 0 0 7,606 761,754 1 75 1 10-14 0.0 0.0 0 0 7,286 759,558 1 108 1 15-19 82.7 136.4 2 450 9,592 1,262,935 2 330 1 20-24 109.2 43.9 5 400 19,815 3,807,873 5 911 1 25-29 69.9 57.7 6 1,481 41,845 12,045,808 9 2,567 1 30-34 85.2 50.8 10 2,296 51,529 18,865,705 12 4,517 1 35-39 118.9 75.2 15 4,056 50,404 20,668,750 13 5,393 1 40-44 106.5 130.0 15 7,348 43,609 16,971,399 14 5,651 1 45-49 105.1 90.6 19 5,859 38,609 13,665,750 18 6,464 1 50-54 97.0 75.5 18 4,226 26,980 8,261,939 19 5,601 1 55-59 121.5 79.6 21 3,370 16,211 4,062,723 17 4,232 1 60-64 97.0 45.9 16 1,448 9,104 1,783,168 16 3,151 1 65-69 115.8 52.7 15 972 4,299 618,325 13 1,846 1 70-74 128.3 20.2 7 179 1,198 200,287 5 882 1 75-79 175.6 11.9 5 55 454 75,707 3 464 1 80-84 57.6 6.2 2 45 123 25,648 3 722 1 85-89 0.0 0.0 0 0 10 901 1 50TOTAL 101.5 74.6 159 32,333 350,360 105,428,540 157 43,317

2 0-4 78.8 51.8 2 87 19,981 1,343,831 3 169 2 5-9 0.0 0.0 0 0 6,790 571,286 1 57 2 10-14 0.0 0.0 0 0 6,911 660,506 1 112 2 15-19 204.9 110.4 5 326 8,737 1,049,349 2 295 2 20-24 77.6 52.1 4 476 17,563 3,102,435 5 913 2 25-29 55.0 52.0 6 1,550 36,041 9,547,512 11 2,979 2 30-34 76.9 60.6 11 3,095 44,134 15,342,595 14 5,110 2 35-39 67.0 50.4 11 3,190 44,096 16,847,670 16 6,332 2 40-44 106.3 153.1 22 11,518 39,339 14,553,781 21 7,525 2 45-49 85.4 95.7 23 7,817 32,757 10,712,195 27 8,165 2 50-54 59.6 38.6 17 2,821 22,559 6,466,825 29 7,299 2 55-59 62.5 71.4 18 4,168 14,315 3,256,538 29 5,834 2 60-64 73.5 69.6 20 3,183 7,714 1,396,152 27 4,575 2 65-69 156.0 165.1 36 4,482 3,919 490,182 23 2,715 2 70-74 102.3 65.1 11 1,188 1,261 232,223 11 1,825 2 75-79 139.2 89.9 7 457 432 49,962 5 509 2 80-84 91.2 25.3 3 125 120 18,232 3 495 2 85-89 0.0 0.0 0 0 17 817 2 86TOTAL 85.4 80.9 196 44,483 306,687 85,642,088 229 54,995

TABLE A

CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009

COMBINED DATA - EXPECTED CIA 97-04 TABLES


3 0-4 90.0 50.8 2 72 18,849 1,210,183 2 141 3 5-9 145.4 0.0 1 0 6,695 551,236 1 57 3 10-14 234.4 176.4 3 211 6,497 612,552 1 120 3 15-19 158.5 68.2 4 200 8,311 972,805 3 293 3 20-24 75.5 28.9 4 255 16,718 2,762,020 5 884 3 25-29 104.7 92.6 12 2,761 34,405 8,706,739 11 2,981 3 30-34 69.6 55.3 11 2,925 42,849 14,030,000 16 5,286 3 35-39 133.1 153.8 26 10,840 44,236 15,850,197 20 7,047 3 40-44 72.4 46.3 19 4,088 40,611 14,013,494 26 8,834 3 45-49 120.9 57.3 40 5,573 32,686 10,264,699 33 9,722 3 50-54 123.3 121.1 42 10,168 21,820 5,947,701 34 8,393 3 55-59 98.0 129.9 35 9,728 13,826 3,138,905 36 7,489 3 60-64 87.1 86.2 27 4,324 6,942 1,234,018 31 5,016 3 65-69 99.8 50.6 24 1,532 3,271 435,085 24 3,025 3 70-74 67.5 31.1 7 341 995 109,209 10 1,097 3 75-79 63.7 20.3 3 284 342 98,358 5 1,404 3 80-84 150.6 55.5 4 325 87 20,953 3 586 3 85-89 0.0 0.0 0 0 4 1,304 0 74TOTAL 101.2 85.9 264 53,627 299,143 79,959,455 261 62,448

4 0-4 0.0 0.0 0 0 17,593 1,032,919 2 112 4 5-9 0.0 0.0 0 0 5,999 448,236 1 50 4 10-14 76.8 63.1 1 70 5,763 497,541 1 111 4 15-19 207.1 179.5 5 470 7,299 785,442 2 262 4 20-24 19.3 64.4 1 500 15,225 2,251,160 5 776 4 25-29 27.4 16.4 3 420 30,344 6,962,405 11 2,554 4 30-34 50.2 33.7 8 1,726 39,032 12,321,361 16 5,118 4 35-39 99.4 145.4 20 10,030 39,285 13,497,781 20 6,899 4 40-44 73.2 80.6 21 7,275 37,201 12,041,222 29 9,023 4 45-49 98.6 66.6 35 6,568 29,359 8,665,796 36 9,867 4 50-54 89.9 37.1 33 3,035 19,318 4,780,427 37 8,189 4 55-59 104.3 162.3 40 11,261 12,029 2,412,263 38 6,938 4 60-64 90.3 83.9 29 4,121 5,816 949,095 32 4,912 4 65-69 77.0 97.9 20 2,949 2,943 352,187 26 3,013 4 70-74 69.9 15.3 9 261 1,006 140,805 13 1,705 4 75-79 140.1 18.3 8 145 357 49,748 6 791 4 80-84 158.1 150.1 4 570 84 12,828 3 380 4 85-89 0.0 0.6 0 0 4 880 0 48TOTAL 85.5 81.3 237 49,401 268,656 67,202,096 277 60,747

TABLE A




5 0-4 57.2 50.5 1 50 17,119 977,014 2 99 5 5-9 0.0 0.0 0 0 5,853 428,865 1 55 5 10-14 139.7 85.3 2 100 5,635 463,545 1 117 5 15-19 39.6 40.2 1 100 7,144 716,962 3 249 5 20-24 55.2 39.1 3 300 14,899 2,104,476 5 768 5 25-29 81.4 80.2 9 1,926 28,623 6,139,960 11 2,402 5 30-34 52.2 43.8 9 2,275 38,500 11,459,886 17 5,195 5 35-39 91.6 89.2 22 6,909 40,322 13,047,935 24 7,746 5 40-44 100.2 63.5 35 6,633 38,783 12,023,308 35 10,440 5 45-49 97.7 134.6 41 14,187 29,669 8,077,718 42 10,543 5 50-54 109.8 85.0 47 7,384 19,222 4,352,213 43 8,685 5 55-59 76.0 73.7 36 5,921 12,403 2,272,828 47 8,034 5 60-64 107.7 61.0 40 3,259 5,652 861,421 37 5,339 5 65-69 89.1 73.5 28 2,852 2,985 377,547 31 3,881 5 70-74 74.9 63.3 12 1,178 1,080 126,736 16 1,860 5 75-79 47.8 8.4 4 182 407 97,891 8 2,178 5 80-84 144.0 53.5 5 322 96 17,589 3 602 5 85-89 0.0 8.1 0 1 5 297 0 17TOTAL 89.9 78.6 295 53,580 268,397 63,546,189 328 68,210

6 0-4 0.0 0.0 0 0 18,098 1,056,186 2 105 6 5-9 110.7 16.1 1 10 6,293 432,661 1 62 6 10-14 59.1 38.7 1 50 5,963 461,009 2 129 6 15-19 70.5 57.8 2 163 7,650 760,207 3 281 6 20-24 101.0 77.3 6 620 15,489 2,062,418 6 803 6 25-29 100.4 112.6 12 2,700 29,332 5,804,874 12 2,398 6 30-34 71.9 54.2 14 2,884 39,513 10,688,626 19 5,323 6 35-39 75.8 58.9 22 4,917 42,358 12,284,609 29 8,348 6 40-44 83.3 64.1 35 7,211 40,565 11,250,350 42 11,255 6 45-49 96.2 111.2 47 12,134 30,122 7,215,447 49 10,914 6 50-54 111.5 102.3 57 10,012 19,572 4,064,667 51 9,782 6 55-59 81.1 56.2 48 5,390 12,839 2,239,650 59 9,585 6 60-64 82.7 38.0 38 2,133 5,922 749,990 46 5,610 6 65-69 72.6 60.3 29 2,418 3,235 329,152 40 4,014 6 70-74 103.0 20.8 23 595 1,317 165,170 22 2,863 6 75-79 104.5 34.2 12 421 476 52,156 11 1,231 6 80-84 43.2 3.4 2 39 127 32,053 5 1,154 6 85-89 0.0 0.0 0 0 17 5,009 1 357TOTAL 87.2 69.7 349 51,698 278,889 59,654,234 400 74,213

TABLE A




7 0-4 0.0 0.0 0 0 18,709 1,018,864 2 98 7 5-9 0.0 12.4 0 10 6,544 475,429 1 81 7 10-14 0.0 0.0 0 0 6,153 510,223 2 159 7 15-19 31.6 39.6 1 115 7,909 724,671 3 291 7 20-24 102.0 82.7 7 680 16,572 1,981,955 7 823 7 25-29 62.5 66.7 8 1,611 29,428 5,467,192 13 2,415 7 30-34 98.8 88.6 21 4,694 38,918 9,658,665 21 5,300 7 35-39 86.3 56.5 29 5,034 43,055 11,506,056 34 8,916 7 40-44 85.9 74.8 42 9,092 40,705 10,577,865 49 12,163 7 45-49 116.5 128.8 68 15,528 31,251 6,985,528 58 12,056 7 50-54 105.2 110.5 69 12,935 21,107 4,124,937 66 11,711 7 55-59 74.0 59.0 53 6,917 13,187 2,312,892 72 11,729 7 60-64 82.4 57.2 46 3,830 6,182 778,588 56 6,695 7 65-69 81.6 53.5 40 2,484 3,475 338,803 49 4,643 7 70-74 69.3 43.4 18 1,343 1,351 155,154 26 3,094 7 75-79 58.0 16.2 8 303 456 58,216 14 1,869 7 80-84 108.4 70.1 4 434 92 16,055 4 619 7 85-89 0.0 0.0 0 0 5 1,110 0 62TOTAL 87.1 78.6 414 65,010 285,099 56,692,204 476 82,723

8 0-4 157.5 183.8 3 200 19,306 1,101,760 2 109 8 5-9 159.5 44.0 2 40 6,493 463,502 1 91 8 10-14 298.8 160.8 6 260 6,043 499,715 2 162 8 15-19 176.6 272.8 6 859 7,985 753,577 3 315 8 20-24 42.9 21.1 3 166 15,863 1,781,396 7 786 8 25-29 125.2 87.1 15 1,814 25,928 4,464,696 12 2,081 8 30-34 62.9 46.4 13 2,231 33,935 7,872,106 21 4,810 8 35-39 119.0 122.9 41 10,305 38,445 9,554,340 34 8,383 8 40-44 93.8 68.3 46 7,496 35,553 8,435,692 49 10,975 8 45-49 76.4 81.4 46 9,471 27,975 5,896,390 60 11,633 8 50-54 84.7 72.7 62 8,791 20,044 3,642,359 73 12,086 8 55-59 71.1 44.2 56 5,051 12,087 1,876,515 79 11,429 8 60-64 78.0 121.6 52 9,550 6,257 765,780 67 7,856 8 65-69 64.8 29.4 38 1,686 3,680 365,633 59 5,737 8 70-74 98.2 94.9 30 3,025 1,388 152,870 31 3,187 8 75-79 108.5 57.0 18 1,262 442 61,336 17 2,213 8 80-84 0.0 0.0 0 0 71 8,071 3 370 8 85-89 0.0 0.0 0 0 10 2,217 1 127TOTAL 84.0 75.5 437 62,206 261,505 47,697,956 520 82,351

TABLE A




9 0-4 95.9 100.1 2 115 20,178 1,106,107 2 115 9 5-9 121.5 122.4 2 125 7,390 463,729 2 102 9 10-14 82.1 9.8 2 20 6,780 582,280 2 204 9 15-19 157.1 106.1 6 384 8,713 812,882 4 362 9 20-24 99.0 64.5 7 494 15,227 1,621,345 7 765 9 25-29 43.7 53.6 5 980 23,346 3,683,702 11 1,828 9 30-34 73.5 120.8 15 5,119 30,007 6,247,247 20 4,239 9 35-39 90.8 74.4 33 5,869 35,764 7,992,620 36 7,892 9 40-44 80.1 73.3 41 7,485 32,400 6,949,717 51 10,212 9 45-49 97.3 94.6 63 10,388 25,745 4,833,791 65 10,976 9 50-54 89.3 94.8 72 11,232 18,535 3,021,579 81 11,843 9 55-59 69.2 50.0 57 5,232 10,912 1,454,091 82 10,467 9 60-64 87.7 158.8 63 13,126 5,981 695,693 72 8,266 9 65-69 105.5 124.6 69 7,678 3,671 348,986 65 6,162 9 70-74 87.8 72.7 29 2,522 1,368 145,616 33 3,469 9 75-79 122.8 326.8 23 7,841 405 54,494 19 2,399 9 80-84 146.4 220.0 7 1,310 88 11,437 5 595 9 85-89 0.0 0.0 0 0 6 1,909 0 114TOTAL 88.8 99.9 496 79,920 246,516 40,027,226 558 80,011

10 0-4 197.5 204.9 5 262 22,364 1,119,493 3 128 10 5-9 181.1 86.2 4 113 8,759 512,466 2 131 10 10-14 101.0 93.2 3 174 7,697 487,188 3 186 10 15-19 91.5 115.3 4 360 9,427 679,619 4 312 10 20-24 118.2 99.3 9 718 15,842 1,500,687 8 723 10 25-29 110.3 99.7 14 1,858 24,189 3,528,481 13 1,864 10 30-34 96.9 74.3 23 3,303 31,046 5,915,638 24 4,447 10 35-39 82.7 93.2 34 7,374 35,861 7,166,514 41 7,910 10 40-44 84.7 74.1 47 7,006 31,043 5,761,094 55 9,457 10 45-49 117.4 122.4 83 12,554 24,337 3,913,018 71 10,255 10 50-54 105.1 73.0 92 7,898 17,286 2,346,996 88 10,825 10 55-59 86.7 56.5 74 5,364 9,751 1,147,036 85 9,485 10 60-64 84.4 53.7 61 3,583 5,206 474,221 72 6,668 10 65-69 74.7 66.9 48 3,897 3,209 292,708 64 5,823 10 70-74 122.6 123.0 46 4,835 1,322 137,586 38 3,930 10 75-79 99.0 92.7 21 1,972 379 38,609 21 2,128 10 80-84 100.7 106.8 3 703 53 15,439 3 658 10 85-89 465.9 40.3 2 57 7 2,173 0 141TOTAL 96.3 82.6 573 62,029 247,778 35,038,967 595 75,070

TABLE A




11 0-4 62.2 98.1 2 148 24,559 1,160,624 3 151 11 5-9 76.3 60.9 2 80 9,213 457,216 3 131 11 10-14 126.2 72.3 4 131 7,645 443,504 3 181 11 15-19 88.4 463.9 4 1,444 9,287 647,734 5 311 11 20-24 64.2 57.1 5 396 15,579 1,384,852 8 694 11 25-29 117.2 97.3 15 1,661 22,819 3,041,764 13 1,706 11 30-34 75.3 53.5 18 2,079 28,119 4,682,448 24 3,883 11 35-39 88.8 76.4 34 4,906 29,690 5,249,301 38 6,422 11 40-44 110.4 116.7 55 8,451 24,485 3,952,834 50 7,243 11 45-49 116.6 87.7 73 6,755 18,446 2,564,094 63 7,698 11 50-54 100.7 108.7 81 8,732 13,490 1,489,415 80 8,034 11 55-59 76.1 76.9 62 5,310 7,996 710,648 82 6,907 11 60-64 91.0 56.6 70 3,457 4,892 400,771 77 6,108 11 65-69 84.6 60.8 63 3,207 3,297 243,460 74 5,277 11 70-74 95.1 77.7 44 2,865 1,418 112,548 46 3,686 11 75-79 95.6 31.4 27 860 420 38,446 28 2,742 11 80-84 299.4 717.2 10 2,225 56 5,721 3 310 11 85-89 629.2 1,251.7 3 2,050 7 2,412 0 164TOTAL 95.3 88.8 572 54,757 221,418 26,587,793 600 61,649

12 0-4 0.0 0.0 0 0 28,043 1,316,193 4 195 12 5-9 126.8 68.1 4 110 10,009 514,269 3 162 12 10-14 194.5 111.3 7 233 8,209 473,036 4 209 12 15-19 180.0 224.3 9 759 9,929 676,464 5 338 12 20-24 0.0 2.6 0 20 16,425 1,438,390 9 755 12 25-29 104.3 75.9 15 1,342 23,699 2,933,639 14 1,768 12 30-34 96.6 79.1 26 3,161 28,460 4,314,507 27 3,996 12 35-39 85.0 75.8 35 4,569 28,288 4,388,644 41 6,027 12 40-44 109.0 100.4 58 6,853 23,078 3,305,485 53 6,825 12 45-49 102.2 83.6 74 6,110 18,145 2,081,200 72 7,304 12 50-54 85.4 59.2 79 4,437 13,295 1,189,710 93 7,493 12 55-59 86.5 71.6 86 4,593 8,490 570,291 99 6,416 12 60-64 92.9 71.9 98 4,563 5,990 365,100 105 6,343 12 65-69 104.4 113.5 109 6,586 4,280 234,153 104 5,801 12 70-74 109.2 117.8 85 5,480 1,946 114,751 78 4,651 12 75-79 88.8 43.9 39 1,307 549 36,018 44 2,981 12 80-84 81.6 16.3 3 40 51 3,923 4 246 12 85-89 0.0 0.0 0 0 4 164 0 10TOTAL 95.7 81.5 727 50,162 228,890 23,955,938 760 61,521

TABLE A




13 0-4 158.6 172.0 8 407 28,890 1,357,596 5 237 13 5-9 59.0 104.6 2 184 9,850 514,628 3 176 13 10-14 157.9 73.3 6 162 8,221 478,603 4 221 13 15-19 37.7 337.3 2 1,197 9,987 677,653 5 355 13 20-24 56.9 47.3 5 355 16,071 1,374,848 9 751 13 25-29 98.4 105.6 15 1,863 23,243 2,688,612 15 1,765 13 30-34 83.5 105.9 25 4,360 28,525 4,022,324 30 4,119 13 35-39 100.6 82.6 45 4,999 27,166 3,919,382 45 6,055 13 40-44 117.2 119.8 68 7,895 22,001 2,776,500 58 6,589 13 45-49 73.0 49.3 60 3,754 17,803 1,840,984 82 7,618 13 50-54 89.4 64.7 88 4,953 12,056 1,030,040 98 7,650 13 55-59 99.4 81.9 110 5,418 8,244 512,097 111 6,618 13 60-64 107.1 174.5 129 10,787 6,032 311,415 120 6,180 13 65-69 105.4 41.2 121 3,271 4,167 280,751 115 7,931 13 70-74 100.0 70.6 77 2,931 1,632 88,212 77 4,151 13 75-79 97.4 97.9 36 1,731 398 18,904 37 1,769 13 80-84 246.1 275.0 11 1,324 46 3,843 4 482 13 85-89 0.0 0.0 0 0 1 4 0 0TOTAL 98.6 88.7 808 55,592 224,332 21,896,395 819 62,666

14 0-4 85.0 59.9 5 166 29,140 1,387,222 6 277 14 5-9 249.9 128.2 9 229 9,354 465,302 4 178 14 10-14 49.4 21.7 2 49 8,227 459,565 4 225 14 15-19 90.2 56.9 5 201 9,871 639,491 6 354 14 20-24 97.6 92.9 9 688 16,057 1,299,855 9 741 14 25-29 107.9 103.5 18 1,962 23,116 2,642,237 17 1,895 14 30-34 78.5 49.3 26 2,154 28,067 3,806,533 33 4,367 14 35-39 111.9 104.6 54 6,385 26,030 3,554,624 48 6,106 14 40-44 103.6 103.5 65 7,317 20,674 2,610,772 63 7,070 14 45-49 77.9 51.7 70 4,154 16,870 1,654,712 90 8,033 14 50-54 96.3 63.5 101 4,795 11,056 851,908 105 7,547 14 55-59 82.4 54.7 102 4,150 8,098 493,340 124 7,586 14 60-64 89.6 202.0 126 17,640 6,336 380,451 141 8,733 14 65-69 105.3 125.3 133 10,024 4,155 243,474 126 8,003 14 70-74 113.0 121.8 97 6,208 1,534 87,573 86 5,097 14 75-79 119.6 95.9 41 1,803 307 16,207 34 1,879 14 80-84 186.4 161.3 4 215 19 1,560 2 133 14 85-89 0.0 0.0 0 0 1 250 0 13TOTAL 96.6 99.9 867 68,141 218,912 20,595,073 897 68,237

TABLE A




15 0-4 71.4 50.4 5 159 30,174 1,367,493 7 316 15 5-9 102.8 37.6 4 70 9,438 452,396 4 186 15 10-14 114.9 91.9 5 216 8,250 447,300 4 235 15 15-19 54.0 75.6 3 257 9,566 592,396 6 339 15 20-24 60.3 46.4 6 365 16,387 1,314,382 10 787 15 25-29 89.0 74.9 17 1,544 24,241 2,651,709 19 2,062 15 30-34 96.6 98.9 38 4,797 30,022 3,830,860 39 4,851 15 35-39 53.5 58.2 30 3,971 26,819 3,491,737 56 6,819 15 40-44 82.9 81.7 61 6,286 21,256 2,469,193 74 7,696 15 45-49 88.5 81.7 93 7,337 17,089 1,616,106 105 8,980 15 50-54 77.8 60.5 95 5,101 11,254 838,433 122 8,439 15 55-59 76.8 61.5 110 5,092 8,387 493,120 143 8,284 15 60-64 94.8 60.9 162 4,820 6,971 323,749 171 7,920 15 65-69 134.5 84.4 216 6,624 4,612 212,199 161 7,847 15 70-74 97.0 84.4 103 4,455 1,580 78,606 106 5,281 15 75-79 77.6 41.5 27 1,077 259 17,840 35 2,595 15 80-84 153.9 80.1 5 424 22 5,339 3 530 15 85-89 0.0 0.0 0 0 0 0 0 0TOTAL 92.0 71.9 980 52,596 226,326 20,202,859 1,065 73,167

1-15 0-4 77.7 69.8 38 1,817 334,689 18,145,794 49 2,6041-15 5-9 113.7 60.9 31 971 116,286 7,512,976 27 1,5941-15 10-14 115.9 67.6 42 1,676 105,282 7,836,124 36 2,4811-15 15-19 105.7 155.4 59 7,284 131,408 11,752,187 56 4,6881-15 20-24 70.8 54.1 74 6,432 243,732 29,788,091 104 11,8801-15 25-29 88.5 76.6 170 25,471 420,600 80,309,329 192 33,2651-15 30-34 80.3 66.8 268 47,100 532,657 133,058,501 334 70,5611-15 35-39 91.0 87.8 451 93,355 551,817 149,020,158 496 106,2941-15 40-44 94.2 85.5 630 111,954 491,302 127,692,707 669 130,9581-15 45-49 95.9 91.4 835 128,188 390,863 89,987,429 871 140,2291-15 50-54 93.7 79.7 953 106,520 267,593 52,409,149 1,017 133,5771-15 55-59 82.3 71.9 908 86,965 168,776 26,952,934 1,103 121,0321-15 60-64 91.2 96.2 977 89,824 94,997 11,469,613 1,071 93,3721-15 65-69 101.4 80.1 989 60,662 55,198 5,162,644 975 75,7181-15 70-74 100.0 80.0 598 37,408 20,395 2,047,347 598 46,7771-15 75-79 97.3 72.6 279 19,700 6,082 763,892 287 27,1511-15 80-84 129.4 102.8 67 8,102 1,134 198,688 52 7,8821-15 85-89 72.6 166.8 5 2,109 98 19,447 7 1,264TOTAL 92.8 82.6 7,374 835,536 3,932,909 754,127,012 7,944 1,011,326

TABLE A




MALES ONLY

16 15-19 87.1 74.4 23 805 62,360 2,563,865 26 1,08216 20-24 102.6 96.7 61 2,087 86,909 3,153,330 59 2,15916 25-29 75.0 80.3 52 1,731 93,123 2,897,032 69 2,15416 30-34 105.4 79.1 83 1,830 90,631 2,670,013 79 2,31416 35-39 133.6 106.5 117 3,460 99,387 3,785,839 88 3,24916 40-44 135.7 80.5 239 8,098 152,803 8,961,472 176 10,06216 45-49 110.2 92.7 475 27,929 249,641 18,298,310 431 30,11416 50-54 112.0 97.7 932 53,669 305,107 22,068,860 832 54,93016 55-59 102.1 101.8 1,457 80,614 307,212 19,149,697 1,427 79,17816 60-64 90.3 89.8 2,245 96,833 292,759 14,177,605 2,487 107,89016 65-69 86.5 82.1 2,883 90,216 216,232 7,914,620 3,332 109,82116 70-74 83.7 71.5 3,717 81,112 172,935 4,810,313 4,442 113,40016 75-79 95.7 132.8 5,852 160,695 155,453 3,330,091 6,118 121,03016 80-84 107.7 85.1 7,303 97,323 111,780 2,024,949 6,779 114,37816 85-89 100.5 98.3 5,927 79,754 53,178 753,882 5,898 81,14216 90-94 84.0 81.2 2,910 27,866 17,015 172,530 3,464 34,32516 95-99 51.7 66.7 797 6,013 4,839 28,834 1,541 9,00916 100-104 7.5 33.4 56 324 1,715 2,276 743 97216 105-109 1.5 2.1 4 4 576 411 259 18516 110-114 0.0 0.0 0 0 43 90 19 4116 115-120 0.0 0.0 0 0 32 54 20 41

91.8 93.5 35,133 820,363 2,473,732 116,764,071 38,290 877,475TOTAL

16 15-19 99.3 97.7 12 510 59,815 2,616,676 12 522

FEMALES ONLY

16 20-24 88.7 69.9 20 606 82,836 3,162,804 23 86716 25-29 111.5 120.7 28 946 86,754 2,726,119 25 78316 30-34 98.0 107.0 31 973 80,498 2,361,513 32 91016 35-39 136.7 159.1 65 2,945 90,291 3,568,848 48 1,85116 40-44 107.7 104.4 126 6,472 146,517 7,970,074 117 6,20016 45-49 104.2 98.2 298 15,233 223,255 12,790,502 286 15,51916 50-54 105.6 95.9 563 23,814 244,800 12,540,093 533 24,83616 55-59 93.7 91.5 781 27,526 219,032 9,024,560 833 30,06816 60-64 84.5 80.2 1,082 25,936 184,962 5,480,993 1,280 32,33516 65-69 77.0 70.1 1,185 19,397 129,207 2,697,742 1,538 27,67516 70-74 89.2 83.1 1,608 22,116 102,288 1,700,034 1,802 26,60016 75-79 116.9 106.5 2,609 28,691 95,098 1,249,661 2,233 26,92916 80-84 131.0 104.0 3,654 30,592 75,720 864,594 2,790 29,40516 85-89 104.3 97.2 3,533 33,732 42,932 463,106 3,386 34,72016 90-94 92.8 82.7 2,069 14,595 15,432 122,738 2,230 17,64116 95-99 71.4 72.7 648 3,342 4,098 20,800 908 4,59616 100-104 22.1 31.6 57 263 777 2,598 258 83216 105-109 5.1 8.6 6 10 265 277 117 12216 110-114 0.0 0.0 0 0 25 33 11 1516 115-120 0.0 0.0 0 0 14 9 8 4

99.5 91.2 18,375 257,698 1,884,615 69,363,774 18,469 282,430TOTAL

TABLE B CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009

ULTIMATE DATA - EXPECTED CIA 97-04 TABLES

RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS DURATION AGE GROUP NUMBER AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000

MALES & FEMALES COMBINED

16 15-19 91.0 82.0 35 1,316 122,175 5,180,541 38 1,60416 20-24 98.8 89.0 81 2,693 169,745 6,316,134 82 3,02616 25-29 84.7 91.1 80 2,676 179,877 5,623,151 94 2,93816 30-34 103.3 87.0 114 2,803 171,128 5,031,527 110 3,22416 35-39 134.7 125.6 182 6,404 189,678 7,354,687 135 5,10016 40-44 124.5 89.6 365 14,570 299,320 16,931,545 293 16,26216 45-49 107.8 94.6 773 43,162 472,896 31,088,812 717 45,63316 50-54 109.5 97.1 1,495 77,483 549,908 34,608,954 1,365 79,76616 55-59 99.0 99.0 2,238 108,140 526,244 28,174,257 2,261 109,24616 60-64 88.3 87.6 3,327 122,769 477,721 19,658,598 3,767 140,22416 65-69 83.5 79.7 4,068 109,613 345,439 10,612,362 4,870 137,49716 70-74 85.3 73.7 5,325 103,228 275,223 6,510,347 6,244 140,00016 75-79 101.3 128.0 8,461 189,386 250,551 4,579,753 8,350 147,95816 80-84 114.5 89.0 10,957 127,915 187,500 2,889,543 9,569 143,78316 85-89 101.9 97.9 9,460 113,485 96,110 1,216,988 9,284 115,86116 90-94 87.4 81.7 4,979 42,461 32,446 295,267 5,694 51,96616 95-99 59.0 68.8 1,445 9,354 8,937 49,634 2,448 13,60516 100-104 11.3 32.6 113 587 2,492 4,874 1,001 1,80416 105-109 2.7 4.7 10 14 841 687 376 30616 110-114 0.0 0.0 0 0 68 124 31 5616 115-120 0.0 0.0 0 0 46 62 28 46

94.3 92.9 53,508 1,078,060 4,358,347 186,127,845 56,759 1,159,905TOTAL

TABLE B CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009

ULTIMATE DATA - EXPECTED CIA 97-04 TABLES

RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS DURATION AGE GROUP NUMBER AMOUNT NUMBER AMOUNT('000) NUMBER AMOUNT('000) NUMBER AMOUNT('000


1 64.0 36.97 125.0 3 46 9,166 57,693 365 2 246.4 71.12 173.5 12 96 5,347 67,610 555 3 169.7 56.56 164.1 9 127 4,539 82,814 785 4 75.5 43.61 121.2 3 101 3,651 80,778 844 5 109.9 44.89 106.2 6 137 3,352 94,310 1295 6-10 156.3 16.48 110.0 90 1,079 17,888 536,546 98158 11-15 133.1 6.82 120.7 381 3,844 30,403 653,268 3,185286

TOTAL 504136.9 119.4 5,431 74,3476.10 1,573,020 4,547368

0-4 233.1 104.27 100.7 5 41 13,382 310,046 412BY ISSUE AGESELECT EXPERIENCE

5-29 133.9 40.38 116.8 11 257 21,092 520,429 2208 30-44 105.2 22.43 106.3 22 551 15,166 356,702 51821 45-59 111.0 10.78 106.8 106 1,799 15,139 292,587 1,68595 60-74 145.2 8.40 129.1 299 2,341 8,996 88,372 1,813206 75-89 172.1 22.03 163.5 61 442 573 4,881 2703590-120 .0 0 0 0 2 00

TOTAL 504136.9 119.4 5,431 74,3476.10 1,573,020 4,547368

15-29 67.8 20.46 82.9 11 109 32,745 274,283 13116BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 164.9 12.25 145.7 181 927 135,266 777,320 636110 45-59 119.4 3.60 118.6 1,097 6,436 295,380 1,790,479 5,429919 60-74 87.7 1.18 89.7 5,561 28,679 420,044 2,172,124 31,9696,339 75-89 109.4 0.78 113.4 19,577 79,517 339,508 1,354,919 70,10417,89990-120 66.1 0.91 85.2 5,293 17,393 36,969 102,515 20,4258,005

TOTAL 31,72095.3 103.4 133,060 1,259,9130.54 6,471,638 128,69433,287

GRAND TOTAL 95.7 0.53 103.9 32,224 138,491 1,334,259 8,044,658 33,655 133,242


MALES & FEMALES COMBINED - EXPECTED CIA 97-04 TABLES POLICY SIZE - < $10,000




1 143.8 21.69 120.2 44 954 39,514 1,228,378 79431 2 103.8 13.88 108.2 56 1,411 39,922 1,163,348 1,30454 3 98.0 12.99 91.4 57 1,319 40,590 1,176,684 1,44358 4 110.0 12.70 98.5 75 1,609 39,863 1,143,587 1,63368 5 89.2 10.23 81.4 76 1,689 41,558 1,239,203 2,07485 6-10 98.7 3.47 100.5 810 19,781 269,443 7,751,355 19,688821 11-15 99.5 2.14 95.1 2,168 44,648 431,299 12,049,117 46,9382,178

TOTAL 3,28699.7 96.7 71,410 902,1891.74 25,751,671 73,8733,295

0-4 54.8 14.16 67.8 15 467 184,452 4,629,176 68927BY ISSUE AGESELECT EXPERIENCE

5-29 98.8 9.46 90.2 109 3,136 262,128 8,028,532 3,476110 30-44 111.0 6.51 101.9 291 8,773 169,436 6,151,850 8,612262 45-59 96.0 2.82 95.0 1,155 26,472 196,894 5,098,074 27,8761,203 60-74 101.4 2.58 98.3 1,542 29,361 85,784 1,774,594 29,8801,521 75-89 101.7 7.71 95.8 174 3,200 3,495 69,445 3,340171

TOTAL 3,28699.7 96.7 71,410 902,1891.74 25,751,671 73,8733,295


30-44 126.1 7.10 120.1 315 7,799 310,628 7,889,537 6,496250 45-59 106.7 2.38 102.3 2,016 56,196 627,312 19,003,077 54,9161,889 60-74 85.9 1.16 84.0 5,438 113,820 471,984 10,613,904 135,5166,334 75-89 102.8 1.19 101.0 7,504 133,516 153,403 2,764,557 132,2447,29690-120 83.8 2.82 85.1 883 16,254 5,347 96,100 19,1041,054

TOTAL 16,30596.1 94.1 330,921 1,896,3070.75 48,128,717 351,75916,973

GRAND TOTAL 96.7 0.69 94.5 19,591 402,331 2,798,496 73,880,389 20,268 425,632


MALES & FEMALES COMBINED - EXPECTED CIA 97-04 TABLES POLICY SIZE - $10,000 - $49,999




1 102.5 22.93 82.7 20 993 40,955 2,557,055 1,20020 2 92.2 17.43 86.7 28 1,634 37,482 2,343,607 1,88530 3 115.7 18.07 115.5 41 2,527 36,915 2,302,346 2,18735 4 107.8 16.63 101.2 42 2,451 36,223 2,246,321 2,42239 5 100.5 14.65 94.7 47 2,803 37,299 2,366,490 2,95847 6-10 87.5 4.62 87.7 359 22,592 219,989 13,756,124 25,775410 11-15 81.3 3.59 81.2 514 32,144 224,557 14,384,890 39,565632

TOTAL 1,05186.6 85.7 65,143 633,4202.67 39,956,832 75,9921,213


5-29 85.6 9.88 78.7 75 4,230 209,555 12,692,351 5,37488 30-44 94.0 6.38 94.7 217 14,844 191,764 13,168,156 15,679231 45-59 86.4 4.16 85.7 432 26,522 128,139 8,105,101 30,947500 60-74 83.3 4.93 82.1 285 17,143 25,197 1,525,933 20,878342 75-89 79.8 13.88 78.3 33 1,935 882 53,513 2,4724190-120 .0 0.00 .0 0 0 1 50 90

TOTAL 1,05186.6 85.7 65,143 633,4202.67 39,956,832 75,9921,213


30-44 109.8 10.92 111.0 101 6,529 111,470 7,038,659 5,87992 45-59 89.8 3.50 89.2 657 43,990 283,966 19,307,494 49,302731 60-74 76.9 2.72 79.0 802 52,420 98,191 6,221,619 66,3731,043 75-89 92.8 3.69 95.1 633 41,768 14,794 940,406 43,91068290-120 79.8 8.02 76.6 99 6,029 648 40,982 7,869124

TOTAL 2,31985.6 86.9 152,519 591,4941.78 38,744,455 175,5892,708

GRAND TOTAL 85.9 1.48 86.5 3,370 217,663 1,224,915 78,701,287 3,922 251,580






1 101.5 14.66 83.0 48 5,650 112,683 16,843,403 6,80447 2 73.6 10.31 73.3 51 7,314 101,224 15,165,061 9,97569 3 109.8 11.64 94.1 89 10,770 100,517 14,786,349 11,44881 4 70.0 9.04 75.4 60 9,151 90,190 13,373,129 12,14186 5 85.7 9.24 83.6 86 12,026 91,962 13,723,125 14,391100 6-10 81.8 3.26 79.5 631 84,870 487,915 69,288,505 106,730772 11-15 86.1 3.44 86.5 627 83,782 321,418 42,670,599 96,820728

TOTAL 1,59284.5 82.7 213,562 1,305,9092.12 185,850,172 258,3091,883


5-29 89.9 7.85 87.7 131 17,156 354,751 47,825,566 19,552146 30-44 85.3 3.90 80.7 479 65,562 597,642 90,059,722 81,266562 45-59 86.5 3.43 86.5 636 85,676 271,755 37,826,330 98,998735 60-74 75.5 4.51 73.7 280 36,237 32,334 4,261,968 49,180371 75-89 93.8 12.21 95.8 59 8,147 1,452 198,718 8,50763

TOTAL 1,59284.5 82.7 213,562 1,305,9092.12 185,850,172 258,3091,883

15-29 60.7 24.79 55.4 6 701 22,520 2,898,856 1,26510BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 75.0 10.31 74.3 53 6,393 83,984 10,161,021 8,60271 45-59 90.9 3.90 91.6 543 70,370 262,690 33,676,756 76,837597 60-74 87.9 3.70 86.2 565 72,844 65,018 8,475,955 84,551643 75-89 84.1 4.30 82.3 382 50,584 10,034 1,351,566 61,49245490-120 78.9 10.03 73.4 62 7,677 431 57,185 10,46679

TOTAL 1,61186.9 85.8 208,569 444,6782.17 56,621,339 243,2131,853

GRAND TOTAL 85.7 1.51 84.2 3,203 422,131 1,750,587 242,471,511 3,737 501,522






1 87.1 17.42 62.6 25 5,591 79,833 24,931,789 8,93129 2 77.1 14.32 75.3 29 8,785 67,527 21,141,171 11,66338 3 100.7 15.18 100.6 44 13,534 66,129 20,363,965 13,44744 4 63.9 12.07 72.0 28 9,603 57,479 17,624,279 13,33544 5 90.0 13.73 93.4 43 13,612 54,156 16,606,921 14,57648 6-10 75.6 5.51 74.9 188 56,897 179,716 54,984,700 75,942249 11-15 84.5 7.81 82.0 117 35,338 54,207 16,772,088 43,073138

TOTAL 47480.5 79.2 143,361 559,0483.70 172,424,913 180,968589

0-4 .0 0.00 .0 0 0 4,977 1,454,238 2101BY ISSUE AGESELECT EXPERIENCE

5-29 74.0 13.98 70.4 28 8,100 105,142 31,785,111 11,51438 30-44 83.8 6.11 81.3 188 56,756 328,361 102,656,172 69,790224 45-59 79.5 6.01 79.4 175 53,138 111,736 33,819,040 66,888220 60-74 80.0 9.50 79.3 71 21,726 8,387 2,570,703 27,39089 75-89 71.1 20.52 70.4 12 3,641 446 139,650 5,17517

TOTAL 47480.5 79.2 143,361 559,0483.70 172,424,913 180,968589

15-29 292.6 206.92 317.0 2 714 1,537 513,777 2251BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 38.9 27.54 35.3 2 546 5,971 1,789,824 1,5465 45-59 71.9 10.38 68.4 48 14,122 29,093 8,932,240 20,65667 60-74 71.5 8.31 70.4 74 23,190 10,145 3,190,760 32,924104 75-89 84.4 10.31 84.5 67 21,707 1,764 568,501 25,7037990-120 88.7 28.04 87.4 10 2,917 62 18,290 3,33911

TOTAL 20376.1 74.9 63,195 48,5725.34 15,013,393 84,393267

GRAND TOTAL 79.1 3.04 77.8 677 206,556 607,620 187,438,306 855 265,360






1 65.8 19.84 72.5 11 7,100 47,136 27,493,065 9,78717 2 73.2 19.57 71.9 14 8,025 35,227 20,456,960 11,16719 3 62.5 17.34 56.9 13 6,900 31,889 18,489,192 12,11921 4 72.5 18.71 68.5 15 8,228 26,411 15,152,087 12,00521 5 76.3 18.50 76.2 17 9,850 23,916 13,736,774 12,91922 6-10 83.9 8.85 85.9 90 53,039 68,787 39,464,519 61,765107 11-15 68.9 10.89 68.4 40 23,419 18,187 10,552,690 34,21658

TOTAL 20075.5 75.7 116,561 251,5525.34 145,345,288 153,978265

0-4 .0 0.00 .0 0 0 1,416 816,383 1110BY ISSUE AGESELECT EXPERIENCE

5-29 86.9 26.20 80.6 11 5,757 36,060 20,209,724 7,14213 30-44 77.0 8.83 80.3 76 46,021 158,248 91,903,561 57,34299 45-59 77.3 8.75 78.2 78 45,852 51,346 29,805,254 58,629101 60-74 67.4 12.30 62.2 30 16,231 4,259 2,481,242 26,09545 75-89 63.5 28.41 57.9 5 2,700 224 129,124 4,6608

TOTAL 20075.5 75.7 116,561 251,5525.34 145,345,288 153,978265

15-29 .0 0.00 .0 0 0 270 177,959 800BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 243.0 171.83 208.8 2 1,032 932 559,322 4941 45-59 127.1 25.93 123.8 24 13,623 7,703 4,481,886 11,00219 60-74 55.4 11.81 54.5 22 13,163 3,897 2,336,897 24,17040 75-89 71.8 13.81 68.0 27 15,263 802 480,005 22,4593890-120 32.6 32.57 57.8 1 1,075 17 10,447 1,8593

TOTAL 7675.8 73.5 44,156 13,6228.70 8,046,516 60,064100

GRAND TOTAL 75.6 4.55 75.1 276 160,717 265,174 153,391,804 365 214,043






1 93.2 32.96 77.5 8 12,000 19,373 31,721,110 15,4819 2 51.4 22.98 99.3 5 17,119 14,017 22,765,132 17,23110 3 72.6 25.67 74.7 8 14,800 12,709 20,416,409 19,81711 4 100.2 31.69 104.9 10 18,000 9,949 15,703,920 17,16310 5 82.6 27.52 58.8 9 11,000 8,980 13,629,179 18,70011 6-10 77.0 12.03 83.2 41 73,165 27,022 42,292,268 87,98753 11-15 99.6 17.90 93.7 31 49,390 7,283 11,633,934 52,71131

TOTAL 11283.2 85.3 195,474 99,3327.86 158,161,953 229,090135

0-4 .0 0.00 .0 0 0 373 722,481 960BY ISSUE AGESELECT EXPERIENCE

5-29 63.2 44.65 42.4 2 2,139 7,986 12,761,766 5,0403 30-44 72.5 13.46 77.0 29 46,980 59,899 90,059,171 61,02940 45-59 82.9 12.22 76.9 46 73,754 28,004 48,695,609 95,87655 60-74 100.0 18.26 112.5 30 62,801 2,892 5,547,112 55,82530 75-89 85.8 38.39 87.3 5 9,800 179 375,814 11,2246

TOTAL 11283.2 85.3 195,474 99,3327.86 158,161,953 229,090135

15-29 .0 0.00 .0 0 0 97 207,205 860BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 .0 0.00 .0 0 0 390 675,848 5440 45-59 93.9 38.31 165.5 6 15,930 2,569 3,897,432 9,6276 60-74 93.0 21.33 75.9 19 24,658 1,826 2,867,787 32,50720 75-89 105.6 22.02 212.1 23 81,416 523 948,832 38,3892290-120 .0 0.00 .0 0 0 10 18,587 3,3212

TOTAL 4894.4 144.4 122,003 5,41413.62 8,615,691 84,47451

GRAND TOTAL 86.3 6.82 101.2 160 317,478 104,746 166,777,644 185 313,564


MALES & FEMALES COMBINED - EXPECTED CIA 97-04 TABLES POLICY SIZE - $1,000,000 AND OVER






MALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - < $10,000


1 35.3 35.34 79.6 19 28,892 241 4,612 3 2 224.2 91.55 167.7 55 33,177 336 2,650 3 3 178.7 79.92 176.3 79 41,367 455 2,269 3 4 46.9 46.89 70.5 35 40,494 501 1,850 2 5 34.2 34.24 105.7 82 48,119 781 1,672 3 6-10 158.9 23.18 109.8 586 267,988 53447 8,890 3011-15 137.5 10.42 121.6 1,968 316,813 1,618174 13,813 127

9.04 118.6 776,851 169138.6 2,824235 35,756 2,381TOTAL

0-4 229.0 132.23 91.7 24 173,736 263 7,563 1


5-29 117.2 44.30 122.8 192 266,490 1567 11,174 630-44 108.2 31.25 116.6 319 164,726 27312 7,149 1145-59 126.0 16.26 116.7 1,034 132,378 88660 6,492 4860-74 145.7 12.54 119.5 1,113 37,775 931135 3,221 9375-89 166.3 39.21 131.6 143 1,745 10918 157 1190-120 0.0 0 0 00 0 0

9.04 118.6 776,851 169138.6 2,824235 35,756 2,381TOTAL

15-29 50.9 20.79 90.3 87 146,788 976 17,115 12


30-44 180.7 15.98 160.0 658 412,865 411128 71,311 7145-59 130.1 4.96 129.7 4,032 919,383 3,108689 155,073 53060-74 88.6 1.48 90.6 19,361 1,307,154 21,3803,567 239,549 4,02875-89 104.6 0.95 109.1 52,769 813,719 48,36212,160 189,402 11,62590-120 58.2 1.09 82.3 10,241 54,030 12,4382,841 18,983 4,884

0.66 101.6 3,653,940 21,14891.7 87,14819,391 691,433 85,795TOTAL

0.6692.1 19,626GRAND TOTAL 89,972 4,430,790102.0 727,190 88,17621,318




MALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - $10,000 - $49,999


1 158.1 29.88 130.1 620 579,769 47628 18,461 18 2 112.1 20.14 115.7 805 540,754 69631 18,427 28 3 92.3 17.76 88.7 668 553,434 75327 18,949 29 4 127.3 19.42 106.5 907 536,896 85243 18,493 34 5 103.2 15.74 91.0 959 577,205 1,05443 19,140 42 6-10 107.6 5.13 107.4 10,939 3,561,117 10,183440 123,062 40911-15 98.0 3.06 94.3 22,955 5,584,308 24,3431,029 194,304 1,050

2.52 98.7 11,933,482 1,609102.0 37,8541,641 410,836 38,359TOTAL

0-4 59.4 18.77 80.5 333 2,279,112 41410 93,887 17


5-29 100.4 11.44 87.9 2,093 3,884,686 2,38177 129,877 7730-44 119.7 9.61 99.6 4,470 2,816,883 4,487155 74,517 13045-59 103.0 4.22 104.7 15,008 2,190,433 14,337595 78,009 57860-74 99.5 3.65 94.7 14,707 741,271 15,531744 33,500 74875-89 99.4 12.83 102.8 1,242 21,097 1,20960 1,046 60

2.52 98.7 11,933,482 1,609102.0 37,8541,641 410,836 38,359TOTAL

15-29 99.4 9.56 97.4 2,453 4,005,135 2,519108 169,729 109


30-44 136.1 9.15 125.9 5,200 4,101,504 4,129221 164,031 16245-59 111.2 3.13 105.1 35,931 10,528,335 34,2001,263 335,390 1,13560-74 86.7 1.39 85.4 84,602 6,894,348 99,0373,873 293,646 4,46775-89 98.9 1.33 98.1 102,707 1,925,760 104,6965,499 100,815 5,55890-120 84.1 3.25 86.8 12,829 67,884 14,782668 3,645 794

0.88 94.0 27,522,965 12,22695.1 243,72211,632 1,067,255 259,363TOTAL

0.8395.9 13,273GRAND TOTAL 281,575 39,456,44794.6 1,478,091 297,72213,835






1 104.1 28.88 79.5 616 1,210,528 77413 19,339 12 2 86.1 22.23 89.9 984 1,111,082 1,09515 17,615 17 3 122.3 24.97 133.2 1,621 1,081,830 1,21724 17,191 20 4 132.5 24.60 129.8 1,780 1,072,076 1,37229 17,180 22 5 91.1 18.59 79.9 1,339 1,128,733 1,67624 17,765 26 6-10 89.7 6.26 90.5 13,092 6,535,376 14,473205 103,552 22911-15 82.7 4.80 80.3 18,385 6,902,037 22,902297 105,657 359

3.59 86.9 19,041,661 68688.5 37,818607 298,300 43,509TOTAL

0-4 106.2 40.12 99.1 370 2,193,680 3737 39,253 7


5-29 76.7 11.44 70.7 2,543 5,877,827 3,59545 97,046 5930-44 92.6 8.60 90.6 7,947 6,168,677 8,774116 87,094 12545-59 92.2 5.59 89.7 16,650 4,058,506 18,553272 62,678 29560-74 84.3 6.71 85.5 9,785 729,714 11,442158 12,012 18775-89 71.1 23.71 68.8 524 13,207 7629 217 1390-120 0.0 0.00 0.0 0 50 90 1 0

3.59 86.9 19,041,661 68688.5 37,818607 298,300 43,509TOTAL

15-29 66.6 16.14 72.4 1,142 2,529,349 1,57617 40,938 26


30-44 106.7 14.13 102.8 3,573 3,399,611 3,47657 52,682 5345-59 89.1 4.48 89.6 28,231 10,784,127 31,504396 149,264 44560-74 78.5 3.12 80.7 42,232 4,340,339 52,304631 66,242 80475-89 91.7 4.11 94.8 33,702 697,072 35,544499 10,745 54490-120 80.3 9.88 77.5 4,135 24,329 5,33766 373 82

2.09 87.1 21,774,828 1,95485.3 113,0151,666 320,245 129,741TOTAL

1.8186.1 2,273GRAND TOTAL 150,833 40,816,48987.1 618,545 173,2502,639






1 94.4 17.23 84.4 3,923 8,048,012 4,64730 52,981 32 2 76.7 13.55 74.4 4,562 7,281,592 6,13032 47,622 42 3 102.1 14.58 80.0 5,516 7,156,851 6,89649 47,652 48 4 75.4 12.23 83.8 6,087 6,515,124 7,26338 43,117 50 5 86.4 12.10 80.9 6,943 6,772,792 8,58351 44,383 59 6-10 83.4 4.26 80.3 51,799 34,919,300 64,536384 239,861 46011-15 84.2 4.33 81.5 49,563 22,850,808 60,839379 167,520 450

2.72 80.8 93,544,481 1,14184.4 128,393963 643,137 158,894TOTAL

0-4 78.9 45.56 68.7 311 2,733,816 4523 23,184 4


5-29 88.0 9.43 83.8 11,197 22,071,240 13,36387 162,773 9930-44 80.5 4.88 75.3 37,779 45,324,096 50,187272 291,608 33845-59 89.3 4.35 88.6 57,269 21,089,193 64,604422 148,018 47260-74 77.2 6.04 70.5 19,765 2,285,530 28,021163 17,250 21175-89 94.7 23.67 91.4 2,072 40,605 2,26616 302 17

2.72 80.8 93,544,481 1,14184.4 128,393963 643,137 158,894TOTAL

15-29 28.6 20.24 22.4 200 1,431,586 8942 11,157 7


30-44 56.7 11.35 54.1 2,942 5,339,341 5,44025 43,391 4445-59 85.7 4.51 87.9 48,740 21,694,843 55,479361 164,480 42160-74 89.7 4.11 88.3 62,430 6,507,523 70,737476 48,885 53075-89 83.1 4.87 79.9 38,247 962,792 47,840291 7,078 35090-120 72.9 12.50 63.8 4,071 31,046 6,38234 226 47

2.46 83.9 35,967,130 1,40084.9 156,6301,189 275,216 186,772TOTAL

1.8384.7 2,152GRAND TOTAL 285,023 129,511,61182.5 918,353 345,6662,541






1 86.0 20.28 54.1 3,551 12,839,290 6,56218 40,429 21 2 72.3 17.05 69.6 5,434 10,954,238 7,80518 34,374 25 3 96.7 18.28 92.3 8,311 10,796,486 9,00528 34,454 29 4 61.7 14.55 67.9 6,087 9,520,093 8,96718 30,430 29 5 104.5 18.19 108.2 10,551 9,035,182 9,75133 28,801 32 6-10 76.3 6.72 74.9 39,036 32,110,022 52,104129 102,722 16911-15 81.3 9.03 79.1 24,715 11,042,222 31,25681 35,142 100

4.46 77.9 96,297,534 40480.4 97,685325 306,352 125,451TOTAL

0-4 0.0 0.00 0.0 0 717,443 1210 2,482 0


5-29 73.7 16.48 72.6 6,050 15,167,116 8,33620 49,322 2730-44 87.9 7.59 83.3 40,137 56,963,791 48,198134 178,076 15245-59 75.9 6.87 74.4 36,689 21,782,959 49,304122 71,022 16160-74 75.0 11.43 73.7 13,069 1,635,827 17,72343 5,349 5775-89 99.2 40.48 98.4 1,740 30,399 1,7696 101 6

4.46 77.9 96,297,534 40480.4 97,685325 306,352 125,451TOTAL

15-29 401.9 284.17 439.6 714 265,143 1622 809 0


30-44 52.3 36.98 47.3 546 1,152,990 1,1552 3,832 445-59 71.3 11.42 65.7 11,170 6,844,123 17,01239 22,136 5560-74 73.5 8.98 72.7 21,185 2,680,605 29,12767 8,471 9175-89 84.9 11.77 84.5 16,972 408,407 20,08752 1,250 6190-120 114.1 43.13 112.8 2,034 8,687 1,8047 30 6

5.98 75.9 11,359,955 21877.7 52,620169 36,529 69,347TOTAL

3.5779.5 494GRAND TOTAL 150,305 107,657,48977.2 342,881 194,798622






1 68.5 22.84 78.7 6,100 16,241,402 7,7559 27,334 13 2 57.3 20.25 56.1 4,625 12,318,307 8,2418 20,755 14 3 65.5 20.72 56.6 5,100 11,412,268 9,01210 19,267 15 4 71.2 21.47 67.2 6,058 9,659,623 9,02011 16,548 15 5 72.2 20.85 71.2 6,900 8,926,540 9,68512 15,275 17 6-10 76.9 9.69 79.4 37,646 27,590,939 47,41463 47,455 8211-15 62.0 11.71 60.5 16,244 7,885,679 26,83328 13,478 45

5.89 70.1 94,034,758 20270.0 82,672141 160,112 117,960TOTAL

0-4 0.0 0.00 0.0 0 408,740 630 720 0


5-29 40.7 20.36 40.3 2,250 10,872,637 5,5844 19,089 1030-44 80.9 10.36 83.1 36,758 58,816,237 44,25161 99,436 7545-59 67.6 9.11 69.4 33,038 22,166,159 47,57755 37,817 8160-74 60.0 13.75 52.0 9,626 1,729,634 18,52219 2,982 3275-89 63.6 44.99 50.9 1,000 41,351 1,9632 69 3

5.89 70.1 94,034,758 20270.0 82,672141 160,112 117,960TOTAL

15-29 0.0 0.00 0.0 0 91,501 580 143 0


30-44 0.0 0.00 0.0 0 392,160 3940 658 145-59 127.3 27.79 123.9 11,923 3,718,822 9,62421 6,369 1660-74 55.9 12.49 52.2 11,383 2,026,047 21,80120 3,382 3675-89 68.0 14.84 65.0 12,034 367,519 18,52621 610 3190-120 0.0 0.00 0.0 0 4,062 8240 6 1

9.24 69.0 6,600,111 8572.7 35,34062 11,169 51,227TOTAL

4.9770.8 203GRAND TOTAL 118,012 100,634,86969.8 171,281 169,188287




MALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - $1,000,000 AND OVER


1 81.7 33.34 74.7 10,000 24,035,737 13,3846 14,210 7 2 50.0 25.02 104.3 14,619 17,569,943 14,0224 10,446 8 3 88.9 31.44 89.4 14,800 16,196,621 16,5648 9,745 9 4 108.7 36.24 119.7 17,000 12,572,582 14,2089 7,764 8 5 79.0 29.85 59.5 9,000 10,968,946 15,1177 7,079 9 6-10 68.9 12.58 65.4 46,795 34,326,531 71,54330 21,773 4411-15 84.8 18.51 90.6 38,164 9,072,432 42,13621 5,773 25

8.40 80.4 124,742,791 11077.4 150,37785 76,790 186,974TOTAL

0-4 0.0 0.00 0.0 0 367,724 560 199 0


5-29 37.2 37.19 26.1 1,113 8,452,693 4,2661 5,252 330-44 76.2 14.94 82.7 43,480 70,600,980 52,59626 45,797 3445-59 80.9 12.95 74.4 62,034 41,111,448 83,40039 23,338 4860-74 84.8 19.46 105.5 43,751 4,045,675 41,47119 2,147 2275-89 0.0 0.00 0.0 0 164,272 5,1860 57 2

8.40 80.4 124,742,791 11077.4 150,37785 76,790 186,974TOTAL

15-29 0.0 0.00 0.0 0 94,997 570 48 0


30-44 0.0 0.00 0.0 0 392,909 3770 252 045-59 108.7 44.36 192.6 15,930 3,175,601 8,2736 2,112 660-74 87.2 21.81 75.0 21,358 2,422,874 28,47416 1,576 1875-89 112.5 25.81 253.4 75,292 703,490 29,71119 377 1790-120 0.0 0.00 0.0 0 9,065 1,8540 6 1

15.14 163.8 6,798,936 4296.9 112,58041 4,370 68,746TOTAL

7.3882.9 126GRAND TOTAL 262,957 131,541,727102.8 81,160 255,720152




FEMALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - < $10,000


1 107.8 76.21 210.8 27 28,801 132 4,554 2 2 273.3 111.59 182.2 41 34,433 226 2,697 2 3 159.6 79.81 147.4 48 41,447 334 2,269 3 4 108.8 76.90 197.1 66 40,284 332 1,802 2 5 197.1 88.17 106.9 55 46,190 515 1,680 3 6-10 153.6 23.42 110.2 493 268,558 44843 8,998 2811-15 129.6 9.01 119.8 1,877 336,456 1,566207 16,590 160

8.26 120.3 796,169 199135.4 2,606269 38,590 2,166TOTAL

0-4 239.6 169.43 116.3 17 136,310 152 5,820 1


5-29 178.5 89.27 101.9 65 253,940 644 9,917 230-44 101.8 32.19 94.8 232 191,976 24510 8,016 1045-59 96.1 14.17 95.8 766 160,209 79946 8,647 4860-74 144.8 11.31 139.2 1,227 50,597 882164 5,775 11375-89 174.6 26.62 185.0 299 3,136 16143 415 2590-120 0.0 0 2 00 0 0

8.26 120.3 796,169 199135.4 2,606269 38,590 2,166TOTAL

15-29 112.9 50.49 62.5 22 127,495 355 15,630 4


30-44 136.0 18.68 119.6 269 364,455 22553 63,955 3945-59 104.8 5.19 103.6 2,404 871,096 2,321408 140,308 38960-74 86.3 1.93 88.0 9,318 864,969 10,5891,994 180,495 2,31175-89 118.2 1.37 123.0 26,748 541,200 21,7427,417 150,106 6,27490-120 78.6 1.59 89.5 7,153 48,484 7,9882,452 17,987 3,121

0.91 107.0 2,817,699 12,138101.6 45,91312,329 568,479 42,900TOTAL

0.91102.1 12,598GRAND TOTAL 48,519 3,613,868107.7 607,070 45,06612,337




FEMALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - $10,000 - $49,999


1 124.2 31.06 105.3 334 648,609 31716 21,052 13 2 95.1 19.03 99.7 605 622,594 60725 21,496 26 3 103.9 18.96 94.3 651 623,251 69030 21,640 29 4 92.9 16.43 89.8 701 606,691 78132 21,370 34 5 75.8 13.20 71.6 730 661,998 1,02033 22,418 44 6-10 89.8 4.67 93.0 8,842 4,190,238 9,504370 146,381 41211-15 100.9 2.99 96.0 21,693 6,464,809 22,5951,139 236,995 1,128

2.41 94.5 13,818,189 1,68697.5 33,5561,645 491,353 35,515TOTAL

0-4 47.6 21.29 48.7 134 2,350,065 2755 90,564 11


5-29 95.3 16.84 95.2 1,043 4,143,846 1,09532 132,251 3430-44 102.6 8.80 104.3 4,303 3,334,967 4,125136 94,920 13345-59 89.5 3.78 84.7 11,463 2,907,641 13,539560 118,885 62660-74 103.2 3.65 102.1 14,655 1,033,323 14,350798 52,284 77375-89 102.9 9.64 91.9 1,958 48,348 2,131114 2,449 111

2.41 94.5 13,818,189 1,68697.5 33,5561,645 491,353 35,515TOTAL

15-29 100.0 15.62 91.6 882 3,756,408 96341 157,905 41


30-44 107.5 11.09 109.8 2,599 3,788,032 2,36794 146,597 8745-59 99.9 3.64 97.8 20,265 8,474,743 20,716753 291,921 75460-74 83.8 2.12 80.1 29,218 3,719,556 36,4801,565 178,338 1,86775-89 115.4 2.58 111.8 30,809 838,797 27,5482,005 52,588 1,73890-120 82.9 5.65 79.2 3,425 28,216 4,322215 1,702 259

1.44 94.4 20,605,752 4,74798.4 87,1994,673 829,051 92,395TOTAL

1.2498.2 6,318GRAND TOTAL 120,755 34,423,94194.4 1,320,405 127,9106,433






1 99.7 37.67 88.6 377 1,346,527 4267 21,616 7 2 100.5 27.87 82.3 650 1,232,525 79013 19,867 13 3 107.5 26.08 93.4 905 1,220,517 96917 19,724 16 4 76.1 21.11 63.9 671 1,174,245 1,05013 19,043 17 5 112.6 23.47 114.1 1,464 1,237,757 1,28323 19,534 20 6-10 84.8 6.84 84.1 9,499 7,220,747 11,302154 116,437 18211-15 79.5 5.40 82.6 13,759 7,482,854 16,663217 118,899 273

3.99 84.1 20,915,171 52884.1 27,325444 335,120 32,483TOTAL

0-4 44.6 31.53 38.6 100 2,218,048 2592 38,629 4


5-29 103.5 18.89 94.8 1,687 6,814,524 1,77930 112,509 2930-44 95.5 9.50 99.9 6,897 6,999,478 6,905101 104,670 10645-59 78.1 6.18 79.7 9,872 4,046,595 12,394160 65,461 20560-74 82.0 7.27 78.0 7,358 796,218 9,436127 13,186 15575-89 83.5 17.05 82.5 1,411 40,306 1,71024 665 29

3.99 84.1 20,915,171 52884.1 27,325444 335,120 32,483TOTAL

15-29 93.9 29.70 94.4 642 2,665,946 67910 41,487 11


30-44 114.0 17.19 123.0 2,956 3,639,048 2,40344 58,788 3945-59 91.0 5.63 88.5 15,759 8,523,366 17,798261 134,703 28760-74 71.7 5.48 72.4 10,187 1,881,280 14,069171 31,949 23875-89 97.0 8.38 96.4 8,066 243,334 8,365134 4,048 13890-120 78.7 13.70 74.8 1,895 16,653 2,53233 275 42

3.39 86.2 16,969,627 75586.5 39,505653 271,250 45,847TOTAL

2.5885.6 1,097GRAND TOTAL 66,830 37,884,79885.3 606,370 78,3301,282






1 116.3 27.40 80.1 1,726 8,795,391 2,15618 59,701 15 2 69.0 15.84 71.6 2,752 7,883,469 3,84619 53,603 28 3 121.2 19.16 115.4 5,254 7,629,497 4,55240 52,865 33 4 62.3 13.28 62.8 3,063 6,858,005 4,87822 47,072 35 5 84.6 14.30 87.5 5,083 6,950,333 5,80835 47,579 41 6-10 79.3 5.05 78.4 33,072 34,369,205 42,194247 248,054 31111-15 89.2 5.66 95.1 34,219 19,819,791 35,981248 153,899 278

3.38 85.7 92,305,691 74284.8 85,169629 662,773 99,415TOTAL

0-4 134.5 67.23 133.6 473 2,944,052 3544 24,789 3


5-29 93.9 14.16 96.3 5,959 25,754,326 6,18944 191,978 4730-44 92.5 6.43 89.4 27,783 44,735,626 31,078207 306,035 22445-59 81.3 5.56 82.6 28,407 16,737,136 34,395214 123,737 26360-74 73.4 6.78 77.9 16,472 1,976,437 21,159117 15,084 15975-89 93.4 14.25 97.3 6,075 158,113 6,24143 1,150 46

3.38 85.7 92,305,691 74284.8 85,169629 662,773 99,415TOTAL

15-29 138.2 69.08 135.0 501 1,467,271 3714 11,363 3


30-44 105.3 19.91 109.1 3,451 4,821,680 3,16228 40,593 2745-59 103.4 7.66 101.3 21,630 11,981,913 21,358182 98,211 17660-74 79.3 8.41 75.4 10,415 1,968,432 13,81489 16,134 11275-89 87.6 9.18 90.4 12,337 388,774 13,65291 2,956 10490-120 87.8 16.59 88.3 3,606 26,140 4,08328 205 32

4.53 92.0 20,654,209 45393.1 51,939422 169,462 56,441TOTAL

2.7187.9 1,051GRAND TOTAL 137,108 112,959,90088.0 832,234 155,8561,196






1 90.0 34.00 86.2 2,041 12,092,499 2,3697 39,404 8 2 86.5 26.07 86.9 3,351 10,186,933 3,85811 33,153 13 3 108.5 27.14 117.6 5,223 9,567,479 4,44216 31,676 15 4 68.2 21.55 80.5 3,516 8,104,187 4,36810 27,048 15 5 61.8 19.53 63.4 3,061 7,571,738 4,82510 25,355 16 6-10 74.1 9.65 74.9 17,861 22,874,678 23,83859 76,994 8011-15 92.7 15.46 89.9 10,623 5,729,865 11,81736 19,066 39

6.62 82.3 76,127,379 18580.8 45,676149 252,697 55,517TOTAL

0-4 0.0 0.00 0.0 0 736,795 900 2,495 0


5-29 74.6 26.38 64.5 2,050 16,617,995 3,1788 55,820 1130-44 75.1 10.22 77.0 16,619 45,692,380 21,59254 150,284 7245-59 89.3 12.27 93.6 16,450 12,036,081 17,58453 40,714 5960-74 89.2 16.87 89.5 8,656 934,877 9,66828 3,038 3175-89 55.4 22.61 55.8 1,901 109,251 3,4076 346 11

6.62 82.3 76,127,379 18580.8 45,676149 252,697 55,517TOTAL

15-29 0.0 0.00 0.0 0 248,634 630 728 0


30-44 0.0 0.00 0.0 0 636,834 3920 2,138 145-59 74.5 24.84 81.0 2,952 2,088,117 3,6449 6,957 1260-74 56.7 21.42 52.8 2,005 510,155 3,7977 1,674 1275-89 82.8 21.39 84.3 4,735 160,094 5,61615 514 1890-120 58.3 33.69 57.5 883 9,603 1,5353 32 5

11.86 70.3 3,653,438 4969.1 10,57534 12,043 15,046TOTAL

5.7978.3 183GRAND TOTAL 56,251 79,780,81779.7 264,740 70,563234






1 55.9 39.52 49.2 1,000 11,251,663 2,0322 19,802 4 2 116.5 47.58 116.2 3,400 8,138,653 2,9266 14,472 5 3 54.3 31.33 57.9 1,800 7,076,924 3,1073 12,621 6 4 76.1 38.07 72.7 2,171 5,492,465 2,9864 9,863 5 5 88.2 39.42 91.2 2,950 4,810,234 3,2345 8,641 6 6-10 106.8 20.55 107.3 15,393 11,873,581 14,35027 21,332 2511-15 93.0 26.86 97.2 7,175 2,667,011 7,38312 4,709 13

12.12 94.1 51,310,530 6393.1 33,88959 91,441 36,018TOTAL

0-4 0.0 0.00 0.0 0 407,643 480 696 0


5-29 246.7 93.26 225.2 3,507 9,337,087 1,5577 16,971 330-44 64.3 16.60 70.8 9,263 33,087,323 13,09115 58,812 2345-59 117.7 24.53 115.9 12,814 7,639,096 11,05223 13,529 2060-74 85.7 25.85 87.2 6,604 751,608 7,57211 1,278 1375-89 63.5 36.64 63.0 1,700 87,773 2,6973 155 5

12.12 94.1 51,310,530 6393.1 33,88959 91,441 36,018TOTAL

15-29 0.0 0.00 0.0 0 86,458 220 127 0


30-44 1,217.3 860.76 1,028.1 1,032 167,163 1002 274 045-59 125.1 72.22 123.4 1,700 763,064 1,3783 1,334 260-74 51.3 36.29 75.1 1,780 310,849 2,3702 515 475-89 89.0 36.35 82.1 3,229 112,486 3,9326 192 790-120 56.0 56.05 103.9 1,075 6,385 1,0351 11 2

24.92 99.8 1,446,405 1593.2 8,81614 2,453 8,837TOTAL

10.9093.1 73GRAND TOTAL 42,705 52,756,93595.2 93,893 44,85578




FEMALES ONLY - EXPECTED CIA 97-04 TABLESPOLICY SIZE - $1,000,000 AND OVER


1 162.1 114.64 95.4 2,000 7,685,374 2,0972 5,163 1 2 57.6 57.60 77.9 2,500 5,195,190 3,2091 3,570 2 3 0.0 0.00 0.0 0 4,219,787 3,2530 2,964 2 4 58.9 58.85 33.8 1,000 3,131,338 2,9551 2,185 2 5 98.1 69.34 55.8 2,000 2,660,233 3,5832 1,901 2 6-10 113.5 34.22 160.4 26,370 7,965,737 16,44411 5,249 1011-15 157.2 49.71 106.2 11,227 2,561,503 10,57410 1,510 6

20.97 107.1 33,419,162 25108.9 45,09727 22,542 42,116TOTAL

0-4 0.0 0.00 0.0 0 354,756 410 174 0


5-29 209.1 209.13 132.5 1,027 4,309,074 7751 2,733 030-44 51.1 29.49 41.5 3,500 19,458,191 8,4333 14,102 645-59 96.1 36.32 93.9 11,720 7,584,162 12,4767 4,666 760-74 144.6 43.59 132.7 19,050 1,501,437 14,35411 745 875-89 142.2 63.59 162.3 9,800 211,543 6,0385 122 4

20.97 107.1 33,419,162 25108.9 45,09727 22,542 42,116TOTAL

15-29 0.0 0.00 0.0 0 112,208 290 49 0


30-44 0.0 0.00 0.0 0 282,939 1670 138 045-59 0.0 0.00 0.0 0 721,831 1,3550 456 160-74 143.4 82.80 81.8 3,300 444,913 4,0333 250 275-89 81.7 40.84 70.6 6,123 245,342 8,6774 146 590-120 0.0 0.00 0.0 0 9,522 1,4670 4 1

30.84 59.9 1,816,755 981.6 9,4237 1,043 15,728TOTAL

17.48101.9 34GRAND TOTAL 54,520 35,235,91794.3 23,585 57,84433


1 0.0 0.00 11.8 0 1 486 3,712 1 6 2 110.8 110.76 164.0 1 20 340 4,022 1 12 3 194.3 137.38 196.3 2 32 310 5,124 1 17 4 0.0 0.00 17.2 0 3 264 5,661 1 20 5 0.0 0.00 38.0 0 10 269 6,475 1 27 6-10 135.3 33.84 113.2 16 233 1,714 44,561 12 206 11-15 109.1 16.64 121.6 43 702 2,891 74,714 39 577

111.0 14.10 115.8 62 1,003 6,274 144,269 56 866TOTAL

0-4 0.0 0.00 0.0 0 0 99 1,135 0 0


5-14 932.1 932.11 201.2 1 12 207 11,897 0 6 15-24 0.0 0.00 84.9 0 17 764 21,258 1 20 25-34 56.3 56.29 136.8 1 66 1,457 34,810 2 48 35-44 173.5 61.34 121.0 8 145 1,443 34,046 5 120 45-54 100.3 26.80 134.0 14 378 1,376 28,466 14 282 55-64 95.7 22.55 85.4 18 219 652 10,224 19 257 65-89 126.1 28.21 124.7 20 165 278 2,433 16 132

111.0 14.10 115.8 62 1,003 6,274 144,269 56 866TOTAL

15-19 1,269.0 1,269.04 1,725.0 1 10 179 1,303 0 1


20-29 0.0 0.00 0.0 0 0 1,032 6,804 1 5 30-39 81.8 81.81 53.6 1 5 1,079 8,130 1 9 40-49 133.3 54.44 169.2 6 77 1,871 19,030 4 45 50-59 57.1 15.84 84.4 13 161 3,159 26,996 23 191 60-69 75.9 8.71 94.2 76 606 4,328 28,843 100 644 70-99 98.6 4.34 105.0 515 2,506 7,246 35,489 522 2,387100-120 0.0 0.00 0.0 0 0 5 8 2 4

93.6 3.78 102.4 612 3,365 18,900 126,604 654 3,285TOTAL

95.0 105.2 674 4,368 25,175 270,8733.66GRAND TOTAL 4,151710

TABLE 8 CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009 SMOKER - EXPECTED CIA 97-04 TABLES

POLICY SIZE - < $10,000



MALES ONLY


1 130.3 46.08 114.0 8 179 3,494 106,811 6 157 2 86.5 27.35 119.2 10 329 3,134 91,409 12 276 3 95.8 27.65 113.8 12 342 3,205 93,164 13 301 4 111.2 27.80 74.6 16 260 3,428 97,700 14 348 5 102.5 24.85 81.9 17 325 3,600 104,140 17 397 6-10 110.9 8.31 113.6 178 4,279 27,539 744,768 160 3,767 11-15 105.4 5.35 100.6 388 8,098 44,189 1,136,676 368 8,051

106.6 4.25 103.9 629 13,812 88,589 2,374,668 590 13,296TOTAL

0-4 0.0 0.00 0.0 0 0 1,494 29,655 1 11


5-14 136.9 43.29 140.8 10 195 14,136 268,661 7 138 15-24 70.7 25.01 85.9 8 270 12,605 348,833 11 314 25-34 93.2 21.38 93.9 19 671 15,086 530,526 20 715 35-44 125.2 14.37 108.1 76 1,969 17,443 541,341 61 1,822 45-54 119.5 8.37 117.7 204 4,812 17,012 431,095 171 4,088 55-64 99.2 6.75 97.8 216 4,220 8,687 183,622 218 4,316 65-89 94.8 9.68 88.5 96 1,674 2,125 40,936 101 1,891

106.6 4.25 103.9 629 13,812 88,589 2,374,668 590 13,296TOTAL

15-19 95.3 47.66 101.7 4 94 9,463 208,711 4 93


20-29 112.1 22.43 117.1 25 521 31,579 630,500 22 445 30-39 111.0 23.67 101.1 22 413 17,504 359,642 20 409 40-49 149.9 16.56 138.2 82 2,133 22,838 637,690 55 1,544 50-59 95.9 6.69 94.5 205 5,594 30,916 866,580 214 5,921 60-69 85.0 3.95 84.3 463 10,261 25,128 577,302 545 12,172 70-99 101.6 3.33 102.6 930 15,693 15,834 269,206 916 15,299100-120 0.0 0.00 0.0 0 0 1 10 0 5

97.5 2.34 96.7 1,731 34,710 153,264 3,549,641 1,776 35,886TOTAL

99.8 98.7 2,360 48,522 241,853 5,924,3102.05GRAND TOTAL 49,1832,366


POLICY SIZE - $10,000 - $49,999



MALES ONLY


1 164.9 67.31 120.0 6 270 3,574 221,473 4 225 2 78.6 35.13 63.4 5 254 3,282 207,642 6 400 3 84.2 34.37 90.8 6 396 3,324 205,168 7 435 4 97.8 34.59 85.1 8 426 3,537 215,436 8 501 5 97.5 32.50 81.4 9 466 3,713 227,645 9 573 6-10 91.8 11.14 91.7 68 4,214 24,563 1,484,545 74 4,597 11-15 83.9 9.05 83.4 86 5,400 25,124 1,542,878 102 6,473

89.1 6.50 86.5 188 11,425 67,118 4,104,787 211 13,204TOTAL

0-4 0.0 0.00 0.0 0 0 1,073 56,389 0 21


5-14 138.2 52.24 132.2 7 350 10,171 531,650 5 265 15-24 58.6 23.94 43.7 6 250 12,289 683,455 10 572 25-34 77.1 19.91 77.4 15 999 15,483 1,010,266 19 1,290 35-44 94.2 14.20 95.7 44 2,981 15,480 1,036,367 47 3,114 45-54 88.3 10.87 83.0 66 3,846 9,869 621,268 75 4,632 55-64 85.4 14.23 86.3 36 2,198 2,444 146,613 42 2,548 65-89 113.9 30.44 105.3 14 802 310 18,780 12 762

89.1 6.50 86.5 188 11,425 67,118 4,104,787 211 13,204TOTAL

15-19 42.7 42.68 44.0 1 56 5,372 293,716 2 128


20-29 44.0 25.43 41.8 3 157 9,588 527,559 7 375 30-39 195.4 56.41 187.7 12 636 5,418 298,976 6 339 40-49 99.0 16.05 107.5 38 2,582 15,406 961,143 38 2,402 50-59 80.8 7.70 82.9 110 7,017 20,739 1,294,097 136 8,467 60-69 72.0 7.03 69.8 105 6,136 7,466 451,432 146 8,785 70-99 81.5 10.27 87.7 63 4,076 1,454 87,524 77 4,650

80.4 4.41 82.2 332 20,660 65,443 3,914,447 413 25,145TOTAL

83.3 83.7 520 32,086 132,561 8,019,2343.65GRAND TOTAL 38,349624


POLICY SIZE - $50,000 - $99,999



MALES ONLY


1 106.7 35.55 88.2 9 1,063 9,894 1,477,684 8 1,205 2 98.8 27.41 82.6 13 1,547 8,538 1,272,449 13 1,874 3 66.5 21.04 57.3 10 1,201 8,800 1,278,021 15 2,096 4 32.1 14.35 51.3 5 1,110 8,189 1,181,890 16 2,165 5 79.4 21.23 69.6 14 1,700 8,181 1,189,303 18 2,443 6-10 87.0 8.45 85.4 106 14,056 43,121 5,907,842 122 16,467 11-15 92.3 9.57 86.7 93 11,387 27,082 3,461,574 101 13,131

85.5 5.41 81.4 250 32,063 113,806 15,768,764 292 39,382TOTAL

0-4 0.0 0.00 0.0 0 0 308 34,674 0 13


5-14 72.2 51.06 64.4 2 201 5,707 643,090 3 312 15-24 90.9 28.74 86.4 10 1,143 13,669 1,649,855 11 1,323 25-34 102.7 15.66 91.3 43 5,448 35,927 5,251,013 42 5,967 35-44 75.5 9.16 68.8 68 8,633 37,182 5,368,818 90 12,554 45-54 85.0 9.28 91.0 84 11,901 17,997 2,437,865 99 13,084 55-64 82.7 14.39 72.3 33 3,688 2,813 357,815 40 5,103 65-89 127.9 40.44 102.3 10 1,050 204 25,634 8 1,027

85.5 5.41 81.4 250 32,063 113,806 15,768,764 292 39,382TOTAL

15-19 183.0 182.97 162.2 1 100 1,240 139,692 1 62


20-29 0.0 0.00 0.0 0 0 3,155 354,346 2 253 30-39 68.0 48.08 61.5 2 201 2,582 286,781 3 327 40-49 70.0 15.27 75.8 21 2,789 11,947 1,461,300 30 3,679 50-59 82.7 9.49 87.5 76 9,938 14,311 1,767,606 92 11,357 60-69 101.8 11.46 112.9 79 10,940 4,076 509,414 78 9,690 70-99 80.4 13.80 86.7 34 4,633 771 97,550 42 5,342

86.1 5.90 93.1 213 28,601 38,082 4,616,690 247 30,709TOTAL

85.8 86.6 463 60,664 151,888 20,385,4543.99GRAND TOTAL 70,091540


POLICY SIZE - $100,000 - $249,999



MALES ONLY


1 131.5 53.69 71.7 6 1,000 6,481 1,995,775 5 1,394 2 46.9 27.06 63.9 3 1,250 5,127 1,585,055 6 1,957 3 100.6 38.00 105.0 7 2,230 4,921 1,499,645 7 2,124 4 57.8 28.90 60.5 4 1,250 4,342 1,310,106 7 2,068 5 104.0 36.76 146.6 8 3,416 4,144 1,261,048 8 2,330 6-10 72.1 14.42 70.0 25 7,290 13,032 3,928,081 35 10,412 11-15 85.1 23.60 76.3 13 3,613 3,322 1,002,904 15 4,735

80.0 9.85 80.1 66 20,049 41,369 12,582,614 82 25,020TOTAL

0-4 0.0 0.00 0.0 0 0 13 3,867 0 1


5-14 0.0 0.00 0.0 0 0 436 121,831 0 57 15-24 63.9 63.86 55.4 1 250 2,146 618,688 2 451 25-34 92.4 25.62 78.1 13 3,380 15,035 4,643,019 14 4,328 35-44 100.1 18.28 109.2 30 9,930 16,972 5,173,788 30 9,097 45-54 64.7 15.69 63.5 17 4,988 6,094 1,817,025 26 7,856 55-64 36.2 20.91 31.6 3 800 619 187,560 8 2,532 65-89 94.3 66.65 100.5 2 701 54 16,836 2 698

80.0 9.85 80.1 66 20,049 41,369 12,582,614 82 25,020TOTAL

15-19 0.0 0.00 0.0 0 0 36 11,460 0 5


20-29 1,455.6 1,455.58 2,217.5 1 441 97 28,136 0 20 30-39 0.0 0.00 0.0 0 0 122 35,224 0 40 40-49 152.7 88.15 157.4 3 915 769 228,574 2 581 50-59 123.8 39.15 112.6 10 2,775 1,224 373,324 8 2,465 60-69 76.6 27.09 78.0 8 2,491 530 161,424 10 3,194 70-99 81.2 33.14 85.8 6 1,996 137 42,803 7 2,326

99.7 18.83 99.8 28 8,618 2,916 880,945 28 8,631TOTAL

85.0 85.2 94 28,667 44,284 13,463,5598.77GRAND TOTAL 33,652111


POLICY SIZE - $250,000 - $499,999



MALES ONLY


1 46.6 46.58 40.0 1 500 3,164 1,840,366 2 1,249 2 37.6 37.61 57.1 1 875 2,248 1,289,488 3 1,533 3 108.0 62.34 98.7 3 1,600 2,014 1,168,043 3 1,622 4 109.7 63.35 96.2 3 1,500 1,620 915,638 3 1,559 5 99.9 57.70 119.6 3 2,050 1,492 836,569 3 1,714 6-10 73.3 23.17 68.4 10 5,300 4,561 2,576,014 14 7,749 11-15 80.8 36.15 69.9 5 2,565 955 550,567 6 3,672

78.4 15.38 75.3 26 14,390 16,054 9,176,684 33 19,097TOTAL

0-4 0.0 0.00 0.0 0 0 3 1,267 0 0


5-14 0.0 0.00 0.0 0 0 170 91,888 0 41 15-24 242.7 242.69 224.4 1 500 579 313,020 0 223 25-34 83.0 41.50 96.1 4 2,625 5,574 3,174,579 5 2,732 35-44 112.6 31.22 100.7 13 6,650 7,068 4,050,900 12 6,606 45-54 39.0 19.52 37.8 4 2,250 2,318 1,345,871 10 5,950 55-64 69.1 39.90 72.3 3 1,865 306 179,383 4 2,578 65-89 58.6 58.61 51.7 1 500 36 19,776 2 968

78.4 15.38 75.3 26 14,390 16,054 9,176,684 33 19,097TOTAL

15-19 0.0 0.00 0.0 0 0 8 4,663 0 2


20-29 0.0 0.00 0.0 0 0 30 16,452 0 12 30-39 0.0 0.00 0.0 0 0 21 12,230 0 14 40-49 0.0 0.00 0.0 0 0 146 83,992 0 220 50-59 129.5 74.77 129.9 3 1,692 333 187,654 2 1,303 60-69 95.4 55.08 83.9 3 1,500 164 92,925 3 1,788 70-99 32.7 32.73 28.7 1 557 56 35,900 3 1,939

78.2 29.56 71.0 7 3,749 757 433,816 9 5,277TOTAL

78.4 74.4 33 18,138 16,810 9,610,50013.64GRAND TOTAL 24,37442


POLICY SIZE - $500,000 - $999,999



MALES ONLY


1 0.0 0.00 0.0 0 0 1,233 2,116,972 1 1,642 2 0.0 0.00 0.0 0 0 779 1,235,753 1 1,954 3 76.0 76.01 77.6 1 2,000 752 1,213,323 1 2,578 4 319.3 159.63 250.9 4 5,002 579 920,564 1 1,994 5 79.5 79.51 49.0 1 1,000 524 766,000 1 2,040 6-10 107.0 43.68 114.8 6 9,900 1,652 2,455,844 6 8,627 11-15 276.9 113.05 236.8 6 7,936 342 502,934 2 3,351

131.0 30.88 116.5 18 25,838 5,861 9,211,392 14 22,186TOTAL

5-14 0.0 0.00 0.0 0 0 31 43,366 0 21


15-24 0.0 0.00 0.0 0 0 159 390,361 0 262 25-34 152.6 107.89 164.9 2 3,000 1,505 2,132,370 1 1,820 35-44 171.8 60.75 141.5 8 9,900 2,810 4,305,887 5 6,997 45-54 82.1 41.03 72.9 4 6,002 1,167 1,972,733 5 8,231 55-64 173.7 86.85 162.5 4 6,936 175 348,339 2 4,270 65-89 0.0 0.00 0.0 0 0 14 18,337 0 586

131.0 30.88 116.5 18 25,838 5,861 9,211,392 14 22,186TOTAL

20-29 0.0 0.00 0.0 0 0 4 4,129 0 3


30-39 0.0 0.00 0.0 0 0 10 12,702 0 15 40-49 0.0 0.00 0.0 0 0 40 71,218 0 185 50-59 146.9 146.89 667.1 1 6,480 95 140,192 1 971 60-69 127.1 89.87 84.8 2 2,021 76 111,857 2 2,382 70-99 72.1 72.10 94.5 1 2,262 26 43,146 1 2,394

106.4 53.22 180.9 4 10,763 251 383,244 4 5,951TOTAL

125.7 130.1 22 36,601 6,112 9,594,63626.81GRAND TOTAL 28,13717


POLICY SIZE - $1,000,000 AND OVER



MALES ONLY


1 0.0 0.00 101.1 0 13 1,897 14,647 2 13 2 224.4 129.57 143.1 3 22 1,221 15,161 1 16 3 124.5 88.01 163.8 2 41 1,108 20,038 2 25 4 79.6 79.62 120.2 1 31 837 18,252 1 26 5 66.7 66.70 88.3 1 33 748 20,575 1 38 6-10 152.7 31.83 95.6 23 279 3,931 111,375 15 292 11-15 131.6 15.41 116.3 73 921 5,502 137,997 55 792

132.5 13.05 111.7 103 1,341 15,243 338,044 78 1,201TOTAL

0-4 0.0 0.00 0.0 0 0 13 205 0 0


5-14 1,126.8 1,126.85 554.3 1 14 154 4,477 0 2 15-24 163.9 115.90 89.1 2 32 2,301 61,078 1 36 25-34 0.0 0.00 108.1 0 60 3,512 83,324 2 56 35-44 31.9 31.90 91.6 1 78 2,892 69,650 3 86 45-54 209.7 45.77 146.6 21 338 3,010 67,993 10 230 55-64 101.7 21.21 85.0 23 303 2,139 37,145 23 356 65-89 142.6 19.23 118.8 55 516 1,221 14,172 39 434

132.5 13.05 111.7 103 1,341 15,243 338,044 78 1,201TOTAL

15-19 0.0 0.00 0.0 0 0 56 289 0 0


20-29 0.0 0.00 0.0 0 0 611 3,576 0 3 30-39 174.8 174.80 133.0 1 9 740 8,537 1 7 40-49 261.7 92.54 146.5 8 57 2,518 32,303 3 39 50-59 91.4 32.32 104.4 8 111 3,341 40,903 9 107 60-69 67.9 12.20 75.6 31 321 4,956 47,639 46 425 70-99 94.9 4.87 93.1 380 2,555 8,727 63,026 401 2,744100-120 0.0 0.00 0.0 0 0 1 5 0 2

93.2 4.50 91.8 428 3,053 20,951 196,278 459 3,327TOTAL

98.8 97.1 531 4,394 36,193 534,3224.29GRAND TOTAL 4,527537

TABLE 8 CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009 NON-SMOKER - EXPECTED CIA 97-04 TABLES




MALES ONLY


1 180.4 42.51 143.6 18 401 8,318 290,121 10 279 2 136.7 30.57 111.7 20 433 8,202 275,449 15 388 3 83.9 23.27 67.6 13 286 8,621 291,155 15 423 4 147.0 28.29 135.0 27 648 8,525 287,245 18 480 5 108.0 21.18 100.5 26 634 9,012 315,340 24 631 6-10 104.8 6.59 103.9 253 6,488 57,513 1,928,220 241 6,245 11-15 93.8 3.81 91.1 605 14,034 87,747 2,871,647 645 15,411

99.3 3.20 96.1 962 22,924 187,938 6,259,179 969 23,857TOTAL

0-4 360.8 360.84 429.5 1 30 722 18,052 0 7


5-14 268.0 101.30 230.5 7 157 4,565 120,352 3 68 15-24 77.0 19.89 75.3 15 487 32,138 1,071,051 19 646 25-34 106.3 20.84 88.8 26 951 34,386 1,496,483 24 1,070 35-44 118.5 16.76 91.1 50 1,485 32,415 1,277,865 42 1,630 45-54 105.8 8.88 112.0 142 4,479 36,538 1,148,470 134 3,997 55-64 93.6 5.17 92.4 328 7,548 32,403 805,745 350 8,167 65-89 99.5 5.02 94.2 393 7,788 14,771 321,162 395 8,270

99.3 3.20 96.1 962 22,924 187,938 6,259,179 969 23,857TOTAL

15-19 59.0 58.97 73.1 1 32 3,902 99,693 2 43


20-29 60.2 22.76 58.7 7 156 16,286 373,820 12 266 30-39 111.3 24.29 113.3 21 538 24,554 617,068 19 475 40-49 111.7 13.74 119.6 66 2,334 49,057 1,611,974 59 1,952 50-59 119.9 8.99 115.7 178 5,556 57,820 1,886,535 148 4,804 60-69 83.2 4.20 84.3 393 10,887 54,499 1,523,051 472 12,909 70-99 91.4 2.20 90.4 1,723 35,380 50,263 1,081,048 1,885 39,158100-120 117.4 117.37 107.1 1 29 2 63 1 27

92.0 1.88 92.1 2,390 54,910 256,382 7,193,252 2,598 59,633TOTAL

94.0 93.2 3,352 77,834 444,321 13,452,4301.62GRAND TOTAL 83,4903,566


POLICY SIZE - $10,000 - $49,999



MALES ONLY


1 88.1 33.31 69.5 7 346 11,223 728,631 8 498 2 76.9 27.19 95.7 8 630 10,210 675,038 10 658 3 151.0 35.59 163.4 18 1,226 10,133 671,198 12 750 4 159.3 34.77 161.0 21 1,354 10,062 659,796 13 841 5 90.4 23.34 81.3 15 873 10,478 703,739 17 1,073 6-10 88.2 7.62 89.8 134 8,728 61,966 4,109,814 152 9,725 11-15 81.4 5.68 78.6 205 12,661 65,506 4,440,210 252 16,102

88.0 4.36 87.1 408 25,818 179,577 11,988,425 464 29,647TOTAL

0-4 0.0 0.00 0.0 0 0 270 15,715 0 6


5-14 97.5 68.93 105.2 2 120 3,504 196,110 2 114 15-24 66.2 19.96 64.5 11 635 28,391 1,686,384 17 985 25-34 82.0 16.75 73.3 24 1,543 43,211 3,057,278 29 2,106 35-44 94.8 13.68 92.8 48 3,406 41,967 3,022,025 51 3,671 45-54 109.7 9.82 104.8 125 7,771 38,452 2,545,254 114 7,417 55-64 74.0 7.09 75.0 109 6,760 19,092 1,181,531 147 9,010 65-89 85.7 9.09 88.2 89 5,582 4,690 284,077 104 6,32890-120 0.0 0.00 0.0 0 0 1 50 0 9

88.0 4.36 87.1 408 25,818 179,577 11,988,425 464 29,647TOTAL

15-19 291.1 205.82 307.9 2 124 1,539 90,421 1 40


20-29 54.9 38.80 53.1 2 110 5,146 292,990 4 207 30-39 102.2 32.31 101.7 10 580 12,675 738,552 10 571 40-49 63.2 10.12 63.0 39 2,593 50,078 3,326,248 62 4,116 50-59 103.9 7.90 103.8 173 11,477 66,048 4,407,120 167 11,055 60-69 81.7 5.24 85.4 243 15,795 37,674 2,356,436 298 18,492 70-99 85.8 4.21 88.9 416 26,277 13,882 842,433 485 29,546100-120 0.0 0.00 0.0 0 0 1 50 0 20

86.3 2.90 88.9 885 56,957 187,043 12,054,250 1,025 64,047TOTAL

86.8 88.3 1,293 82,775 366,620 24,042,6752.41GRAND TOTAL 93,6931,489


POLICY SIZE - $50,000 - $99,999



MALES ONLY


1 94.1 20.53 86.1 21 2,860 37,727 5,934,402 22 3,321 2 68.2 15.64 72.3 19 3,015 34,722 5,492,988 28 4,169 3 117.3 19.04 89.1 38 4,215 35,158 5,451,076 32 4,730 4 96.1 16.72 98.7 33 4,977 32,014 4,989,270 34 5,042 5 90.2 14.83 86.1 37 5,243 33,700 5,285,295 41 6,091 6-10 82.0 4.94 78.5 276 37,540 186,187 27,761,886 337 47,844 11-15 81.9 4.86 80.1 284 37,926 133,069 18,445,717 347 47,363

84.1 3.16 80.8 708 95,777 492,578 73,360,634 841 118,560TOTAL

0-4 681.2 681.20 585.2 1 105 386 47,311 0 18


5-14 90.3 63.83 76.2 2 204 3,973 481,553 2 268 15-24 76.6 17.13 70.6 20 2,300 46,801 5,895,115 26 3,259 25-34 80.8 9.33 73.2 75 10,359 140,458 21,839,011 93 14,143 35-44 81.8 7.01 80.6 136 20,341 156,420 24,506,993 166 25,243 45-54 94.7 6.46 94.0 215 30,110 102,754 14,956,435 227 32,043 55-64 78.9 6.12 73.8 166 20,747 36,067 4,879,219 210 28,113 65-89 79.9 8.29 75.0 93 11,611 5,718 754,996 116 15,474

84.1 3.16 80.8 708 95,777 492,578 73,360,634 841 118,560TOTAL

15-19 0.0 0.00 0.0 0 0 850 104,438 0 45


20-29 59.5 59.51 49.7 1 100 2,335 279,906 2 201 30-39 61.3 27.41 53.9 5 507 10,537 1,215,338 8 941 40-49 69.8 8.94 72.3 61 8,089 69,893 8,925,524 87 11,195 50-59 90.7 6.48 92.7 196 26,080 88,153 11,476,587 216 28,149 60-69 95.6 6.08 89.6 247 30,047 34,004 4,416,036 258 33,550 70-99 82.2 4.56 79.0 324 40,869 10,947 1,426,283 394 51,720

86.3 2.99 84.0 834 105,692 216,720 27,844,111 967 125,802TOTAL

85.3 82.4 1,542 201,469 709,297 101,204,7452.17GRAND TOTAL 244,3621,808


POLICY SIZE - $100,000 - $249,999



MALES ONLY


1 74.0 21.36 49.7 12 2,551 33,186 10,628,018 16 5,127 2 81.6 21.08 71.9 15 4,184 28,557 9,178,389 18 5,816 3 95.8 20.91 88.6 21 6,081 29,067 9,165,585 22 6,860 4 63.2 16.88 70.3 14 4,837 25,707 8,099,297 22 6,880 5 104.9 20.99 96.4 25 7,135 24,343 7,683,966 24 7,403 6-10 77.5 7.60 76.3 104 31,746 88,591 27,855,089 134 41,629 11-15 80.9 9.81 79.8 68 21,103 31,044 9,795,883 84 26,430

80.7 5.02 77.5 259 77,636 260,495 82,406,227 321 100,146TOTAL

0-4 0.0 0.00 0.0 0 0 81 23,186 0 9


5-14 0.0 0.00 0.0 0 0 1,023 287,870 1 161 15-24 19.5 19.51 16.7 1 250 10,133 2,970,391 5 1,501 25-34 75.3 13.31 66.7 32 9,141 76,497 24,721,606 42 13,699 35-44 90.5 10.32 85.8 77 23,236 103,059 32,976,210 85 27,074 45-54 85.8 9.72 82.9 78 23,268 54,637 16,816,130 91 28,068 55-64 70.0 10.44 70.7 45 13,933 13,425 4,104,760 64 19,711 65-89 80.3 15.75 78.7 26 7,808 1,641 506,073 32 9,925

80.7 5.02 77.5 259 77,636 260,495 82,406,227 321 100,146TOTAL

15-19 0.0 0.00 0.0 0 0 113 32,866 0 14


20-29 541.3 541.35 503.4 1 273 257 75,795 0 54 30-39 150.0 150.03 139.3 1 266 860 246,387 1 191 40-49 65.1 24.62 59.3 7 1,930 8,398 2,542,537 11 3,256 50-59 58.6 13.10 56.0 20 5,829 13,621 4,155,960 34 10,416 60-69 81.0 12.96 82.1 39 12,185 6,229 1,917,076 48 14,842 70-99 80.8 10.43 82.7 60 18,993 2,077 646,863 74 22,979

76.1 6.72 76.3 128 39,477 31,555 9,617,484 168 51,752TOTAL

79.1 77.1 387 117,113 292,050 92,023,7114.02GRAND TOTAL 151,898489


POLICY SIZE - $250,000 - $499,999



MALES ONLY


1 73.1 25.85 86.4 8 5,600 23,908 14,250,597 11 6,479 2 62.1 23.48 56.1 7 3,750 18,241 10,882,681 11 6,684 3 56.2 21.26 47.5 7 3,500 17,052 10,132,662 12 7,371 4 63.1 22.30 61.2 8 4,558 14,785 8,666,717 13 7,447 5 66.2 22.08 60.9 9 4,850 13,663 8,025,737 14 7,960 6-10 77.8 10.69 81.7 53 32,346 42,476 24,771,948 68 39,570 11-15 59.1 12.32 59.2 23 13,679 12,355 7,225,730 39 23,106

68.5 6.38 69.2 115 68,283 142,479 83,956,071 168 98,617TOTAL

0-4 0.0 0.00 0.0 0 0 5 2,596 0 1


5-14 0.0 0.00 0.0 0 0 227 125,859 0 70 15-24 0.0 0.00 0.0 0 0 3,400 1,870,330 2 921 25-34 58.5 16.88 53.9 12 6,490 39,709 23,359,939 21 12,042 35-44 76.4 12.92 84.0 35 22,743 60,954 36,219,252 46 27,066 45-54 71.6 12.28 72.2 34 20,075 29,952 17,588,067 47 27,798 55-64 72.4 14.21 71.2 26 14,913 7,352 4,276,970 36 20,954 65-89 48.6 17.18 41.6 8 4,062 880 513,057 16 9,765

68.5 6.38 69.2 115 68,283 142,479 83,956,071 168 98,617TOTAL

15-19 0.0 0.00 0.0 0 0 6 3,859 0 2


20-29 0.0 0.00 0.0 0 0 34 21,754 0 16 30-39 0.0 0.00 0.0 0 0 141 82,430 0 64 40-49 259.9 106.10 225.9 6 3,040 1,760 1,026,194 2 1,346 50-59 98.1 29.57 102.8 11 6,691 4,362 2,533,253 11 6,511 60-69 71.3 19.05 71.2 14 8,176 2,543 1,487,138 20 11,486 70-99 61.5 13.11 59.4 22 12,603 985 590,304 36 21,204

76.7 10.54 75.1 53 30,510 9,831 5,744,931 69 40,628TOTAL

70.9 70.9 168 98,792 152,310 89,701,0025.47GRAND TOTAL 139,246237


POLICY SIZE - $500,000 - $999,999



MALES ONLY


1 93.7 38.25 85.4 6 10,000 12,914 21,719,828 6 11,710 2 59.0 29.50 121.3 4 14,619 9,614 16,264,131 7 12,056 3 91.2 34.49 91.7 7 12,800 8,943 14,876,700 8 13,965 4 71.2 31.86 98.4 5 11,999 7,152 11,608,214 7 12,200 5 78.9 32.23 61.2 6 8,000 6,533 10,170,560 8 13,071 6-10 63.4 12.94 58.8 24 36,895 19,951 31,422,431 38 62,739 11-15 66.5 17.17 78.0 15 30,227 5,367 8,480,564 23 38,752

69.9 8.54 75.7 67 124,539 70,475 114,542,429 96 164,492TOTAL

0-4 0.0 0.00 0.0 0 0 2 2,157 0 1


5-14 0.0 0.00 0.0 0 0 64 76,641 0 41 15-24 195.0 194.96 122.3 1 1,113 1,000 1,817,046 1 910 25-34 14.2 14.20 9.9 1 1,000 13,907 19,929,648 7 10,081 35-44 65.0 16.79 81.0 15 29,580 31,321 49,749,951 23 36,537 45-54 85.8 17.51 77.6 24 36,960 18,492 32,138,032 28 47,636 55-64 74.8 17.63 101.1 18 43,187 4,966 9,329,473 24 42,718 65-89 60.6 21.42 47.8 8 12,700 723 1,499,481 13 26,568

69.9 8.54 75.7 67 124,539 70,475 114,542,429 96 164,492TOTAL

15-19 0.0 0.00 0.0 0 0 4 5,164 0 2


20-29 0.0 0.00 0.0 0 0 13 15,249 0 12 30-39 0.0 0.00 0.0 0 0 69 118,538 0 92 40-49 0.0 0.00 0.0 0 0 566 878,816 1 1,139 50-59 125.7 56.22 162.6 5 9,450 1,514 2,206,553 4 5,812 60-69 109.3 34.57 100.0 10 14,075 1,120 1,708,059 9 14,081 70-99 98.0 20.89 203.5 22 78,292 649 1,139,560 22 38,468

101.7 16.72 170.8 37 101,817 3,935 6,071,939 36 59,607TOTAL

78.6 101.0 104 226,356 74,409 120,614,3677.71GRAND TOTAL 224,099132





MALES ONLY


1 145.9 145.92 110.7 1 5 2,229 10,533 1 5 2 458.7 324.37 248.7 2 13 1,089 13,994 0 5 3 619.1 619.11 170.5 1 6 852 16,205 0 3 4 0.0 0.00 15.8 0 1 749 16,581 0 4 5 0.0 0.00 298.0 0 39 655 21,070 0 13 6-10 297.1 105.03 206.2 8 74 3,245 112,052 3 36 11-15 183.0 24.03 138.1 58 344 5,421 104,101 32 249

194.9 23.29 152.7 70 481 14,240 294,537 36 315TOTAL

0-4 236.8 136.70 93.5 3 24 7,451 172,397 1 25


5-14 141.2 99.86 191.6 2 66 4,078 88,362 1 35 15-24 200.4 200.45 36.6 1 3 847 15,779 0 9 25-34 284.5 284.54 298.2 1 9 303 3,127 0 3 35-44 93.3 93.34 83.5 1 7 366 3,406 1 9 45-54 242.4 85.71 163.6 8 59 369 4,468 3 36 55-64 158.1 40.83 103.8 15 83 424 3,959 9 80 65-89 210.5 33.70 195.1 39 229 401 3,038 19 11790-120 0.0 0 0 0 0 0 0

194.9 23.29 152.7 70 481 14,240 294,537 36 315TOTAL

15-19 0.0 0.00 92.5 0 13 2,290 32,135 1 14


20-29 52.5 23.49 86.4 5 65 12,947 102,682 10 75 30-39 134.4 20.03 125.1 45 236 38,720 218,462 33 189 40-49 192.5 13.97 182.3 190 1,023 66,811 376,477 99 561 50-59 127.5 5.46 127.0 545 3,011 108,144 601,410 427 2,371 60-69 89.8 2.21 90.7 1,644 9,049 152,117 834,710 1,831 9,981 70-99 95.5 0.76 103.0 15,869 67,180 268,248 1,163,425 16,619 65,227100-120 5.2 0.72 20.0 53 153 2,306 1,758 1,016 766

91.6 0.68 102.0 18,351 80,730 651,582 3,331,058 20,035 79,183TOTAL

91.8 102.2 18,421 81,211 665,822 3,625,5950.68GRAND TOTAL 79,49820,071

TABLE 8 CANADIAN STANDARD ORDINARY EXPERIENCE BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2009 UNCLASSIFIED - EXPECTED CIA 97-04 TABLES




MALES ONLY


1 125.8 88.93 99.9 2 40 6,649 182,837 2 40 2 68.6 68.59 133.3 1 44 7,091 173,895 1 33 3 162.7 115.04 137.6 2 40 7,124 169,115 1 29 4 0.0 0.00 0.0 0 0 6,540 151,951 1 25 5 0.0 0.00 0.0 0 0 6,528 157,724 1 26 6-10 128.1 42.70 100.5 9 172 38,010 888,128 7 171 11-15 97.5 16.24 93.4 36 822 62,368 1,575,985 37 881

99.5 14.07 92.8 50 1,119 134,309 3,299,635 50 1,205TOTAL

0-4 56.3 18.76 76.8 9 304 91,671 2,231,405 16 395


5-14 114.5 29.56 79.8 15 255 35,932 870,590 13 320 15-24 0.0 0.00 12.8 0 12 4,732 150,423 3 90 25-34 463.1 327.45 447.6 2 57 414 11,350 0 13 35-44 279.2 139.60 136.9 4 55 542 14,096 1 40 45-54 105.5 52.73 142.4 4 139 503 12,043 4 97 55-64 124.0 41.32 141.5 9 213 358 7,190 7 151 65-89 129.8 49.07 85.8 7 85 157 2,538 5 99

99.5 14.07 92.8 50 1,119 134,309 3,299,635 50 1,205TOTAL

15-19 97.3 28.09 93.7 12 326 29,707 836,392 12 348


20-29 104.4 13.59 100.0 59 1,325 78,792 1,856,020 57 1,325 30-39 135.0 15.91 131.5 72 1,493 62,342 1,324,149 53 1,135 40-49 134.6 10.61 118.1 161 4,746 78,325 2,589,735 120 4,018 50-59 110.9 4.26 101.4 677 18,325 156,065 4,736,466 610 18,073 60-69 92.7 2.39 90.1 1,504 33,181 143,555 3,334,300 1,622 36,845 70-99 93.7 1.32 92.9 5,020 94,560 108,774 2,102,193 5,357 101,732100-120 28.2 11.53 39.8 6 146 48 817 21 368

95.6 1.10 94.1 7,511 154,101 657,609 16,780,072 7,853 163,844TOTAL

95.7 94.0 7,561 155,220 791,918 20,079,7071.10GRAND TOTAL 165,0497,903


POLICY SIZE - $10,000 - $49,999



MALES ONLY


1 0.0 0.00 0.0 0 0 4,541 260,423 1 52 2 303.2 214.42 273.6 2 101 4,123 228,402 1 37 3 0.0 0.00 0.0 0 0 3,734 205,464 1 32 4 0.0 0.00 0.0 0 0 3,581 196,843 1 30 5 0.0 0.00 0.0 0 0 3,574 197,349 1 30 6-10 113.5 65.53 99.3 3 150 17,024 941,017 3 151 11-15 123.3 50.34 99.2 6 324 15,028 918,949 5 327

102.8 31.00 87.4 11 575 51,605 2,948,448 11 658TOTAL

0-4 115.1 43.50 107.0 7 370 37,910 2,121,576 6 346


5-14 102.9 59.40 83.7 3 154 12,248 723,846 3 185 15-24 147.2 147.17 104.1 1 51 1,269 89,230 1 49 25-34 0.0 0.00 0.0 0 0 75 6,214 0 7 35-44 0.0 0.00 0.0 0 0 52 3,680 0 11 45-54 0.0 0.00 0.0 0 0 32 2,458 0 19 55-64 0.0 0.00 0.0 0 0 14 986 0 24 65-89 0.0 0.00 0.0 0 0 5 459 0 18

102.8 31.00 87.4 11 575 51,605 2,948,448 11 658TOTAL

15-19 43.8 43.78 31.3 1 50 5,623 391,271 2 160


20-29 81.9 28.95 96.8 8 644 13,669 933,393 10 665 30-39 60.3 30.13 50.6 4 221 7,806 511,763 7 436 40-49 88.5 26.70 80.0 11 1,297 7,933 1,025,647 12 1,622 50-59 92.9 12.42 90.4 56 5,400 15,845 1,620,191 60 5,973 60-69 88.6 8.77 84.4 102 7,787 10,500 853,833 115 9,222 70-99 86.6 5.30 89.2 267 19,999 6,381 469,913 308 22,422100-120 0.0 0.00 0.0 0 0 2 119 1 48

87.1 4.11 87.3 449 35,397 67,759 5,806,132 516 40,549TOTAL

87.4 87.3 460 35,972 119,364 8,754,5804.07GRAND TOTAL 41,207526


POLICY SIZE - $50,000 - $99,999



MALES ONLY


1 0.0 0.00 0.0 0 0 5,360 635,926 1 121 2 0.0 0.00 0.0 0 0 4,361 516,156 1 87 3 168.0 168.05 144.1 1 100 3,694 427,755 1 69 4 0.0 0.00 0.0 0 0 2,914 343,964 0 56 5 0.0 0.00 0.0 0 0 2,502 298,193 0 49 6-10 108.5 76.74 90.2 2 203 10,553 1,249,572 2 225 11-15 82.7 58.48 72.6 2 250 7,368 943,517 2 345

66.9 29.93 58.1 5 553 36,752 4,415,083 7 951TOTAL

0-4 56.6 39.99 48.8 2 206 22,490 2,651,830 4 421


5-14 36.5 36.51 28.9 1 100 12,489 1,523,625 3 346 15-24 229.5 162.32 208.8 2 247 1,704 227,761 1 118 25-34 0.0 0.00 0.0 0 0 25 4,343 0 5 35-44 0.0 0.00 0.0 0 0 26 4,159 0 13 45-54 0.0 0.00 0.0 0 0 12 2,073 0 17 55-64 0.0 0.00 0.0 0 0 5 871 0 19 65-89 0.0 0.00 0.0 0 0 2 420 0 12

66.9 29.93 58.1 5 553 36,752 4,415,083 7 951TOTAL

15-19 0.0 0.00 0.0 0 0 1,281 194,021 1 77


20-29 0.0 0.00 0.0 0 0 2,295 359,182 2 256 30-39 77.7 77.71 53.9 1 100 1,509 217,110 1 185 40-49 64.4 37.20 61.7 3 567 2,949 578,037 5 918 50-59 91.3 19.92 81.8 21 3,410 5,990 1,105,901 23 4,168 60-69 95.2 14.69 94.0 42 6,935 4,037 679,116 44 7,376 70-99 67.8 7.83 65.5 75 11,324 2,354 372,963 111 17,280

76.4 6.41 73.8 142 22,336 20,415 3,506,329 186 30,262TOTAL

76.1 73.3 147 22,889 57,167 7,921,4126.27GRAND TOTAL 31,213193


POLICY SIZE - $100,000 - $249,999



MALES ONLY


1 0.0 0.00 0.0 0 0 762 215,497 0 41 2 0.0 0.00 0.0 0 0 691 190,795 0 32 3 0.0 0.00 0.0 0 0 466 131,256 0 21 4 0.0 0.00 0.0 0 0 381 110,690 0 19 5 0.0 0.00 0.0 0 0 314 90,168 0 17 6-10 0.0 0.00 0.0 0 0 1,099 326,853 0 64 11-15 0.0 0.00 0.0 0 0 776 243,435 0 90

0.0 0.00 0.0 0 0 4,488 1,308,694 1 284TOTAL

0-4 0.0 0.00 0.0 0 0 2,388 690,390 0 110


5-14 0.0 0.00 0.0 0 0 1,818 531,103 0 121 15-24 0.0 0.00 0.0 0 0 272 84,041 0 42 25-34 0.0 0.00 0.0 0 0 3 1,200 0 1 35-44 0.0 0.00 0.0 0 0 4 1,160 0 3 45-54 0.0 0.00 0.0 0 0 3 800 0 7

0.0 0.00 0.0 0 0 4,488 1,308,694 1 284TOTAL

15-19 0.0 0.00 0.0 0 0 125 46,400 0 18


20-29 0.0 0.00 0.0 0 0 181 70,486 0 51 30-39 0.0 0.00 0.0 0 0 143 49,350 0 42 40-49 0.0 0.00 0.0 0 0 234 100,466 0 166 50-59 0.0 0.00 0.0 0 0 597 265,291 2 1,009 60-69 37.3 26.36 22.7 2 514 482 203,976 5 2,260 70-99 85.5 25.78 74.1 11 4,011 296 125,556 13 5,416

61.4 17.03 50.5 13 4,525 2,058 861,525 21 8,963TOTAL

58.8 48.9 13 4,525 6,546 2,170,21816.30GRAND TOTAL 9,24822


POLICY SIZE - $250,000 - $499,999



MALES ONLY


1 0.0 0.00 0.0 0 0 262 150,440 0 27 2 0.0 0.00 0.0 0 0 267 146,138 0 24 3 0.0 0.00 0.0 0 0 202 111,563 0 19 4 0.0 0.00 0.0 0 0 142 77,268 0 14 5 0.0 0.00 0.0 0 0 120 64,234 0 11 6-10 0.0 0.00 0.0 0 0 418 242,977 0 95 11-15 0.0 0.00 0.0 0 0 168 109,383 0 56

0.0 0.00 0.0 0 0 1,579 902,003 0 246TOTAL

0-4 0.0 0.00 0.0 0 0 713 404,877 0 61


5-14 0.0 0.00 0.0 0 0 724 413,035 0 90 15-24 0.0 0.00 0.0 0 0 101 59,438 0 29 25-34 0.0 0.00 0.0 0 0 3 2,000 0 2 35-44 0.0 0.00 0.0 0 0 15 8,634 0 13 45-54 0.0 0.00 0.0 0 0 21 12,920 0 42 55-64 0.0 0.00 0.0 0 0 2 1,100 0 8

0.0 0.00 0.0 0 0 1,579 902,003 0 246TOTAL

15-19 0.0 0.00 0.0 0 0 22 15,002 0 6


20-29 0.0 0.00 0.0 0 0 43 29,771 0 21 30-39 0.0 0.00 0.0 0 0 26 18,239 0 15 40-49 0.0 0.00 0.0 0 0 63 41,098 0 68 50-59 150.8 150.79 104.6 1 500 176 125,891 1 478 60-69 0.0 0.00 0.0 0 0 150 111,498 2 1,228 70-99 21.3 21.34 16.6 1 581 101 79,863 5 3,507

27.8 19.65 20.3 2 1,081 581 421,363 7 5,323TOTAL

26.3 19.4 2 1,081 2,160 1,323,36718.59GRAND TOTAL 5,5688


POLICY SIZE - $500,000 - $999,999



MALES ONLY


1 0.0 0.00 0.0 0 0 63 198,937 0 31 2 0.0 0.00 0.0 0 0 53 70,058 0 12 3 0.0 0.00 0.0 0 0 50 106,598 0 21 4 0.0 0.00 0.0 0 0 33 43,804 0 15 5 0.0 0.00 0.0 0 0 22 32,385 0 6 6-10 0.0 0.00 0.0 0 0 170 448,255 0 177 11-15 0.0 0.00 0.0 0 0 64 88,933 0 34

0.0 0.00 0.0 0 0 455 988,971 0 296TOTAL

0-4 0.0 0.00 0.0 0 0 197 365,568 0 55


5-14 0.0 0.00 0.0 0 0 201 486,716 0 123 15-24 0.0 0.00 0.0 0 0 46 115,891 0 61 25-34 0.0 0.00 0.0 0 0 0 85 0 0 35-44 0.0 0.00 0.0 0 0 5 5,711 0 9 45-54 0.0 0.00 0.0 0 0 5 13,000 0 36 55-64 0.0 0.00 0.0 0 0 1 2,000 0 12

0.0 0.00 0.0 0 0 455 988,971 0 296TOTAL

15-19 0.0 0.00 0.0 0 0 12 39,643 0 18


20-29 0.0 0.00 0.0 0 0 15 30,812 0 22 30-39 0.0 0.00 0.0 0 0 9 15,089 0 13 40-49 0.0 0.00 0.0 0 0 17 33,781 0 56 50-59 0.0 0.00 0.0 0 0 44 91,622 0 366 60-69 0.0 0.00 0.0 0 0 51 83,490 1 871 70-99 0.0 0.00 0.0 0 0 37 49,318 1 1,843

0.0 0.00 0.0 0 0 185 343,754 2 3,188TOTAL

0.0 0.0 0 0 639 1,332,7240.00GRAND TOTAL 3,4842





MALES ONLY


1 0.0 0.00 445.5 0 12 346 2,706 0 3 2 565.1 326.28 195.0 3 14 296 3,407 1 7 3 120.5 120.54 156.9 1 19 285 4,361 1 12 4 179.8 179.81 322.1 1 32 227 4,198 1 10 5 114.9 114.89 173.8 1 27 234 5,732 1 16 6-10 142.3 41.09 112.3 12 164 1,601 43,293 8 146 11-15 136.1 20.51 130.0 44 519 3,193 74,498 32 399

141.2 17.93 132.9 62 787 6,183 138,196 44 592TOTAL

0-4 0.0 0.00 0.0 0 0 78 1,060 0 0


5-14 0.0 0.00 116.5 0 3 222 11,728 0 2 15-24 0.0 0.00 209.4 0 14 636 20,387 0 7 25-34 108.0 108.04 95.3 1 25 1,206 31,427 1 27 35-44 99.1 49.53 78.1 4 79 1,429 33,343 4 102 45-54 90.0 28.46 115.7 10 250 1,436 28,131 11 216 55-64 135.7 31.97 150.0 18 214 758 9,085 13 143 65-89 202.8 37.66 210.2 29 201 417 3,035 14 95

141.2 17.93 132.9 62 787 6,183 138,196 44 592TOTAL

15-19 0.0 0.00 0.0 0 0 180 1,345 0 0


20-29 0.0 0.00 0.0 0 0 718 5,166 0 1 30-39 0.0 0.00 0.0 0 0 690 5,164 0 3 40-49 181.0 73.91 118.6 6 42 1,777 19,305 3 35 50-59 59.2 17.08 95.6 12 154 3,322 27,324 20 161 60-69 71.5 10.21 84.6 49 344 4,606 27,815 69 407 70-99 124.5 5.65 140.1 485 2,119 9,157 40,763 390 1,513100-120 0.0 0.00 0.0 0 0 4 6 2 3

114.0 4.85 125.2 552 2,659 20,455 126,888 484 2,124TOTAL

116.3 126.9 614 3,446 26,638 265,0844.69GRAND TOTAL 2,716528





FEMALES ONLY


1 214.6 75.88 204.6 8 176 3,457 98,489 4 86 2 77.2 29.18 98.3 7 195 3,251 89,497 9 198 3 123.1 35.53 112.9 12 249 3,348 91,231 10 221 4 144.0 36.00 117.6 16 286 3,518 93,222 11 243 5 118.9 29.72 105.0 16 317 3,831 101,947 13 302 6-10 104.7 9.04 110.9 134 3,113 29,557 763,135 128 2,808 11-15 112.9 5.92 100.4 363 6,249 51,328 1,239,522 322 6,225

111.9 4.75 105.0 556 10,585 98,289 2,477,043 497 10,083TOTAL

0-4 807.3 570.83 774.5 2 39 1,480 29,776 0 5


5-14 144.7 72.36 137.9 4 72 12,999 246,444 3 52 15-24 177.0 66.89 225.0 7 259 12,116 345,538 4 115 25-34 76.2 24.09 75.1 10 331 15,206 513,071 13 441 35-44 104.5 12.77 105.6 67 1,834 21,043 599,397 64 1,736 45-54 89.5 7.19 83.9 155 3,057 22,129 501,943 173 3,644 55-64 119.5 8.40 111.8 202 3,241 10,782 197,062 169 2,898 65-89 155.2 14.86 147.0 109 1,751 2,532 43,813 70 1,191

111.9 4.75 105.0 556 10,585 98,289 2,477,043 497 10,083TOTAL

15-19 155.7 89.91 183.5 3 77 8,637 188,140 2 42


20-29 103.7 36.65 90.5 8 140 28,425 568,230 8 155 30-39 157.4 43.64 153.8 13 274 16,312 343,319 8 178 40-49 78.8 12.62 84.4 39 1,105 26,828 710,720 49 1,308 50-59 86.3 6.52 81.8 175 3,963 35,179 854,951 203 4,846 60-69 97.9 5.23 95.4 351 6,266 25,226 471,617 358 6,567 70-99 150.0 5.70 148.4 692 9,722 14,629 208,273 461 6,550100-120 0.0 0.00 0.0 0 0 1 30 0 9

117.5 3.28 109.6 1,281 21,548 155,237 3,345,279 1,090 19,655TOTAL

115.7 108.0 1,837 32,133 253,526 5,822,3232.70GRAND TOTAL 29,7391,587


POLICY SIZE - $10,000 - $49,999



FEMALES ONLY


1 188.5 108.83 208.8 3 202 3,129 192,496 2 97 2 81.5 47.06 89.3 3 200 2,909 177,285 4 224 3 143.2 58.46 156.3 6 400 3,010 182,505 4 256 4 69.3 40.00 39.0 3 105 3,075 186,608 4 269 5 55.9 32.28 45.4 3 150 3,482 211,515 5 331 6-10 93.7 14.12 92.5 44 2,652 23,941 1,414,327 47 2,868 11-15 78.9 11.16 84.7 50 3,262 25,896 1,531,497 63 3,850

86.5 8.17 88.3 112 6,971 65,443 3,896,232 129 7,894TOTAL

0-4 0.0 0.00 0.0 0 0 1,072 56,456 0 9


5-14 147.8 85.35 141.0 3 150 9,922 519,993 2 106 15-24 74.9 43.22 67.2 3 150 13,399 740,583 4 223 25-34 175.1 37.34 164.9 22 1,329 16,130 1,028,172 13 806 35-44 72.5 14.22 76.8 26 1,714 14,793 933,498 36 2,232 45-54 60.0 11.54 67.6 27 1,839 7,979 488,765 45 2,719 55-64 112.4 23.43 106.4 23 1,307 1,770 106,072 20 1,229 65-89 85.5 30.24 84.8 8 483 377 22,693 9 569

86.5 8.17 88.3 112 6,971 65,443 3,896,232 129 7,894TOTAL

15-19 85.1 85.13 80.3 1 52 5,415 296,127 1 64


20-29 117.5 67.81 111.0 3 156 9,205 507,752 3 141 30-39 120.5 60.23 108.8 4 200 6,183 340,098 3 184 40-49 99.4 16.34 106.5 37 2,297 20,324 1,177,539 37 2,158 50-59 71.3 8.98 70.7 63 3,613 16,719 967,744 88 5,107 60-69 82.3 13.19 87.3 39 2,349 3,643 206,686 47 2,689 70-99 120.3 24.07 118.2 25 1,446 650 37,805 21 1,223

85.7 6.53 87.4 172 10,113 62,139 3,533,751 201 11,567TOTAL

86.0 87.8 284 17,083 127,582 7,429,9825.10GRAND TOTAL 19,461330


POLICY SIZE - $50,000 - $99,999



FEMALES ONLY


1 31.9 31.90 0.0 1 0 7,330 1,078,632 3 429 2 107.7 40.71 100.5 7 892 6,390 923,539 6 887 3 117.2 39.08 97.6 9 1,013 6,696 935,623 8 1,038 4 95.1 33.63 88.3 8 988 6,460 911,022 8 1,120 5 72.6 27.45 98.7 7 1,300 6,644 930,699 10 1,317 6-10 94.2 12.26 86.1 59 7,062 34,178 4,451,169 63 8,201 11-15 85.8 13.39 93.6 41 5,598 20,922 2,541,485 48 5,980

90.5 7.88 88.8 132 16,853 88,619 11,772,169 146 18,972TOTAL

0-4 0.0 0.00 0.0 0 0 320 36,030 0 6


5-14 0.0 0.00 0.0 0 0 5,898 660,804 1 133 15-24 101.7 50.84 105.9 4 500 13,990 1,694,426 4 473 25-34 71.3 19.78 78.4 13 1,905 28,624 4,013,394 18 2,431 35-44 103.3 14.92 93.2 48 5,701 25,895 3,556,938 46 6,115 45-54 89.1 13.59 83.0 43 5,120 11,648 1,521,051 48 6,167 55-64 85.7 21.43 103.1 16 2,492 1,902 242,586 19 2,417 65-89 88.4 31.25 92.2 8 1,135 342 46,941 9 1,232

90.5 7.88 88.8 132 16,853 88,619 11,772,169 146 18,972TOTAL

15-19 338.5 338.52 297.7 1 100 1,362 154,897 0 34


20-29 342.7 197.89 411.7 3 401 3,162 352,658 1 98 30-39 129.1 91.29 116.7 2 200 2,876 317,064 2 171 40-49 60.2 19.02 77.2 10 1,485 9,175 1,059,604 17 1,925 50-59 100.9 17.31 100.9 34 3,943 6,497 753,424 34 3,908 60-69 66.1 20.89 70.8 10 1,269 1,170 138,350 15 1,793 70-99 121.2 33.63 121.3 13 1,632 298 37,574 11 1,345

92.5 10.83 97.4 73 9,030 24,540 2,813,571 79 9,275TOTAL

91.2 91.6 205 25,883 113,159 14,585,7396.37GRAND TOTAL 28,246225


POLICY SIZE - $100,000 - $249,999



FEMALES ONLY


1 76.0 75.96 64.4 1 250 4,130 1,235,496 1 388 2 84.0 59.36 92.5 2 650 3,263 974,636 2 703 3 72.6 51.30 124.3 2 1,000 2,995 877,383 3 805 4 39.0 39.00 33.4 1 250 2,588 752,812 3 748 5 76.5 54.06 65.9 2 500 2,244 649,467 3 758 6-10 81.8 25.88 78.8 10 2,833 6,721 1,947,135 12 3,594 11-15 156.7 59.23 137.8 7 1,865 1,296 384,812 4 1,353

88.3 17.66 88.0 25 7,348 23,236 6,821,742 28 8,349TOTAL

0-4 0.0 0.00 0.0 0 0 16 4,766 0 1


5-14 0.0 0.00 0.0 0 0 422 116,850 0 22 15-24 226.8 226.82 200.9 1 250 1,879 529,889 0 124 25-34 27.6 27.62 23.3 1 250 9,111 2,717,955 4 1,075 35-44 60.5 24.69 61.6 6 1,783 8,538 2,499,437 10 2,895 45-54 101.2 33.73 111.8 9 2,900 2,861 827,737 9 2,594 55-64 97.4 56.25 83.8 3 800 331 101,312 3 955 65-89 219.4 98.11 200.2 5 1,365 79 23,797 2 682

88.3 17.66 88.0 25 7,348 23,236 6,821,742 28 8,349TOTAL

15-19 0.0 0.00 0.0 0 0 37 11,021 0 2


20-29 0.0 0.00 0.0 0 0 90 26,014 0 7 30-39 0.0 0.00 0.0 0 0 79 21,897 0 12 40-49 0.0 0.00 0.0 0 0 268 79,022 1 153 50-59 0.0 0.00 60.7 0 250 259 77,218 1 412 60-69 76.5 76.45 67.1 1 260 94 27,829 1 387 70-99 54.0 54.03 57.8 1 348 44 14,237 2 601

38.9 27.52 54.4 2 858 870 257,238 5 1,576TOTAL

80.7 82.7 27 8,206 24,106 7,078,98015.53GRAND TOTAL 9,92533


POLICY SIZE - $250,000 - $499,999



FEMALES ONLY


1 268.9 268.93 238.9 1 500 1,269 705,734 0 209 2 289.6 204.78 351.0 2 1,400 923 516,978 1 399 3 0.0 0.00 0.0 0 0 756 414,962 1 405 4 0.0 0.00 0.0 0 0 575 314,988 1 361 5 137.0 136.96 117.4 1 500 495 273,551 1 426 6-10 0.0 0.00 0.0 0 0 1,359 753,737 3 1,691 11-15 0.0 0.00 0.0 0 0 284 164,559 2 878

52.0 26.02 54.9 4 2,400 5,660 3,144,509 8 4,368TOTAL

0-4 0.0 0.00 0.0 0 0 1 534 0 0


5-14 0.0 0.00 0.0 0 0 169 90,251 0 17 15-24 0.0 0.00 0.0 0 0 382 206,613 0 45 25-34 0.0 0.00 0.0 0 0 2,193 1,213,597 1 422 35-44 0.0 0.00 0.0 0 0 2,075 1,155,563 2 1,244 45-54 44.6 44.62 40.1 1 500 675 378,395 2 1,246 55-64 151.7 107.27 173.9 2 1,400 123 74,913 1 805 65-89 97.4 97.41 85.1 1 500 42 24,644 1 588

52.0 26.02 54.9 4 2,400 5,660 3,144,509 8 4,368TOTAL

15-19 0.0 0.00 0.0 0 0 17 8,936 0 2


20-29 0.0 0.00 0.0 0 0 13 6,891 0 2 30-39 0.0 0.00 0.0 0 0 9 5,634 0 3 40-49 0.0 0.00 0.0 0 0 33 20,126 0 37 50-59 0.0 0.00 0.0 0 0 41 24,440 0 144 60-69 0.0 0.00 0.0 0 0 28 16,757 0 214 70-99 149.8 149.76 181.3 1 650 16 8,806 1 359

74.1 74.12 85.5 1 650 157 91,590 1 760TOTAL

55.3 59.5 5 3,050 5,817 3,236,10024.75GRAND TOTAL 5,1289


POLICY SIZE - $500,000 - $999,999



FEMALES ONLY


1 0.0 0.00 0.0 0 0 247 421,547 0 186 2 417.1 417.08 650.6 1 2,500 175 254,084 0 384 3 0.0 0.00 0.0 0 0 152 221,959 0 336 4 0.0 0.00 0.0 0 0 110 246,907 0 605 5 0.0 0.00 0.0 0 0 92 159,653 0 574 6-10 84.3 84.29 77.5 1 1,500 309 540,875 1 1,935 11-15 277.0 195.85 253.8 2 2,500 123 212,303 1 985

137.7 68.84 129.9 4 6,500 1,209 2,057,330 3 5,005TOTAL

0-4 0.0 0.00 0.0 0 0 1 1,063 0 0


5-14 0.0 0.00 0.0 0 0 23 39,064 0 8 15-24 0.0 0.00 0.0 0 0 61 110,501 0 27 25-34 720.5 720.48 601.0 1 1,500 324 546,819 0 250 35-44 0.0 0.00 0.0 0 0 482 733,533 1 895 45-54 0.0 0.00 0.0 0 0 228 461,838 1 1,662 55-64 0.0 0.00 0.0 0 0 68 133,690 1 1,342 65-89 546.1 315.26 609.1 3 5,000 21 30,822 1 821

137.7 68.84 129.9 4 6,500 1,209 2,057,330 3 5,005TOTAL

15-19 0.0 0.00 0.0 0 0 2 2,004 0 1


20-29 0.0 0.00 0.0 0 0 3 3,000 0 1 30-39 0.0 0.00 0.0 0 0 8 23,810 0 13 40-49 0.0 0.00 0.0 0 0 11 17,088 0 30 50-59 0.0 0.00 0.0 0 0 21 27,696 0 145 60-69 0.0 0.00 0.0 0 0 11 12,534 0 186 70-99 151.1 106.84 98.4 2 2,300 25 44,719 1 2,337

123.3 87.16 84.8 2 2,300 81 130,852 2 2,712TOTAL

132.5 114.0 6 8,800 1,290 2,188,18154.10GRAND TOTAL 7,7185





FEMALES ONLY


1 240.7 170.19 234.1 2 14 2,139 14,946 1 6 2 74.9 74.86 82.4 1 10 1,454 17,194 1 12 3 64.8 64.84 130.7 1 24 1,247 21,817 2 18 4 82.9 82.88 154.9 1 33 983 20,431 1 21 5 247.9 123.94 81.5 4 25 956 22,688 2 31 6-10 156.8 30.19 109.5 27 307 4,997 135,198 17 280 11-15 107.8 12.21 109.1 78 876 7,968 180,705 72 802

118.6 11.11 110.0 114 1,289 19,745 412,979 96 1,171TOTAL

0-4 0.0 0.00 0.0 0 0 18 173 0 0


5-14 0.0 0.00 0.0 0 0 149 4,424 0 1 15-24 0.0 0.00 61.9 0 9 2,257 62,817 0 14 25-34 80.2 80.21 97.2 1 37 3,969 100,810 1 38 35-44 125.2 62.58 111.4 4 99 3,640 89,937 3 89 45-54 69.8 24.68 83.6 8 208 4,280 90,256 11 249 55-64 102.3 19.68 75.6 27 255 3,233 44,677 26 337 65-89 138.8 16.14 153.8 74 681 2,199 19,886 53 44390-120 0.0 0 0 0 1 0 0

118.6 11.11 110.0 114 1,289 19,745 412,979 96 1,171TOTAL

15-19 11,317.6 11,317.55

363.0 1 0 46 221 0 0


20-29 0.0 0.00 0.0 0 0 681 3,935 0 1 30-39 0.0 0.00 0.0 0 0 827 7,206 0 3 40-49 86.2 60.95 23.2 2 7 2,706 34,576 2 30 50-59 113.6 35.91 125.9 10 131 4,301 51,571 9 104 60-69 90.6 15.10 95.8 36 345 6,096 56,746 40 360 70-99 108.1 4.81 108.5 504 3,126 14,324 95,595 466 2,881

106.8 4.54 106.8 553 3,609 28,982 249,849 518 3,379TOTAL

108.7 107.6 667 4,898 48,727 662,8284.21GRAND TOTAL 4,550614





FEMALES ONLY


1 64.8 28.96 53.3 5 103 11,150 368,642 8 193 2 80.6 22.34 88.2 13 340 11,314 359,116 16 386 3 98.0 23.10 78.4 18 354 11,608 367,496 18 451 4 70.6 17.65 79.7 16 415 11,513 357,873 23 521 5 57.8 14.02 58.9 17 413 12,311 398,649 29 701 6-10 83.3 5.46 86.3 233 5,684 80,032 2,493,254 280 6,587 11-15 95.5 3.51 94.4 740 14,820 125,200 3,604,146 775 15,700

90.7 2.81 90.2 1,042 22,129 263,127 7,949,177 1,148 24,539TOTAL

0-4 0.0 0.00 0.0 0 0 705 17,893 0 3


5-14 0.0 0.00 0.0 0 0 4,368 115,541 1 27 15-24 60.2 26.92 46.3 5 135 34,136 1,193,619 8 292 25-34 100.2 24.30 89.6 17 643 42,241 1,787,812 17 717 35-44 93.4 14.07 109.0 44 1,748 45,000 1,614,784 47 1,603 45-54 96.2 7.44 89.5 167 3,837 59,759 1,595,761 174 4,285 55-64 75.7 4.35 76.2 303 6,147 52,193 1,130,616 400 8,064 65-89 101.0 4.49 100.8 506 9,620 24,725 493,151 501 9,548

90.7 2.81 90.2 1,042 22,129 263,127 7,949,177 1,148 24,539TOTAL

15-19 282.5 199.78 564.1 2 104 3,742 97,383 1 18


20-29 136.3 55.64 129.6 6 132 15,743 364,464 4 102 30-39 88.7 29.57 77.7 9 204 23,812 606,191 10 262 40-49 100.1 14.45 107.2 48 1,583 56,521 1,743,293 48 1,478 50-59 113.1 8.92 115.4 161 4,571 71,655 2,024,875 142 3,962 60-69 76.2 4.48 75.2 290 6,322 62,708 1,423,329 380 8,411 70-99 94.3 2.60 91.9 1,314 21,231 53,635 914,521 1,393 23,112100-120 0.0 0.00 0.0 0 0 10 253 3 79

92.3 2.16 91.2 1,830 34,147 287,825 7,174,309 1,982 37,424TOTAL

91.7 90.8 2,872 56,276 550,953 15,123,4851.71GRAND TOTAL 61,9623,131


POLICY SIZE - $10,000 - $49,999



FEMALES ONLY


1 86.5 43.26 62.2 4 175 14,187 900,964 5 281 2 113.1 35.77 82.9 10 450 13,087 839,145 9 543 3 98.1 29.57 73.1 11 505 12,925 828,160 11 691 4 80.7 25.51 74.3 10 566 12,521 797,902 12 761 5 128.9 29.57 135.3 19 1,264 12,845 844,699 15 934 6-10 82.1 7.86 81.6 109 6,797 75,642 4,855,013 133 8,334 11-15 78.8 6.17 80.8 163 10,201 77,720 4,977,352 207 12,631

83.3 4.61 82.6 326 19,958 218,927 14,043,234 391 24,175TOTAL

0-4 0.0 0.00 0.0 0 0 226 13,138 0 2


5-14 231.3 163.53 260.9 2 125 3,652 203,456 1 48 15-24 112.2 37.40 83.6 9 400 34,436 2,047,993 8 479 25-34 64.8 17.33 69.7 14 1,035 57,597 3,906,521 22 1,486 35-44 104.5 14.78 109.7 50 3,484 53,881 3,609,894 48 3,177 45-54 85.6 9.57 86.7 80 4,961 44,120 2,755,288 93 5,721 55-64 63.7 7.97 60.6 64 3,640 18,632 1,117,655 100 6,004 65-89 89.7 8.68 87.0 107 6,312 6,383 389,288 119 7,258

83.3 4.61 82.6 326 19,958 218,927 14,043,234 391 24,175TOTAL

15-19 0.0 0.00 0.0 0 0 1,473 86,116 0 17


20-29 0.0 0.00 0.0 0 0 5,247 300,209 1 85 30-39 147.5 49.17 153.4 9 548 13,567 792,118 6 357 40-49 103.3 14.33 97.0 52 3,023 58,759 3,638,346 50 3,116 50-59 99.5 9.16 98.0 118 7,023 62,551 3,800,763 119 7,170 60-69 70.3 7.54 70.8 87 5,076 22,894 1,330,736 124 7,169 70-99 85.3 6.79 85.9 158 9,412 6,648 388,490 185 10,955100-120 328.4 232.22 327.3 2 110 2 110 1 34

87.6 4.24 87.2 426 25,194 171,140 10,336,887 486 28,902TOTAL

85.7 85.1 752 45,151 390,067 24,380,1213.12GRAND TOTAL 53,077878


POLICY SIZE - $50,000 - $99,999



FEMALES ONLY


1 140.1 35.03 100.5 16 1,626 47,086 7,088,089 11 1,618 2 58.4 16.87 64.1 12 1,860 42,712 6,431,408 21 2,901 3 124.4 22.34 122.4 31 4,241 42,317 6,244,799 25 3,466 4 52.6 14.07 55.8 14 2,075 37,655 5,603,953 27 3,722 5 89.0 16.82 84.8 28 3,783 38,447 5,723,599 31 4,461 6-10 75.1 5.51 76.1 186 25,761 202,931 28,625,728 248 33,852 11-15 90.1 6.28 95.7 206 28,496 125,273 16,273,736 229 29,779

83.4 3.76 85.0 493 67,843 536,420 75,991,311 591 79,798TOTAL

0-4 0.0 0.00 0.0 0 0 403 49,250 0 8


5-14 0.0 0.00 0.0 0 0 3,963 481,410 1 109 15-24 140.7 34.12 127.0 17 1,909 56,514 7,155,456 12 1,503 25-34 72.9 10.87 79.8 45 7,048 179,138 26,419,175 62 8,837 35-44 99.8 8.97 95.7 124 16,680 170,345 24,828,620 124 17,433 45-54 83.8 7.65 87.2 120 16,638 92,876 12,735,406 143 19,074 55-64 74.1 8.18 77.8 82 11,079 25,891 3,344,752 111 14,248 65-89 76.0 7.41 78.0 105 14,489 7,290 977,241 138 18,586

83.4 3.76 85.0 493 67,843 536,420 75,991,311 591 79,798TOTAL

15-19 0.0 0.00 0.0 0 0 913 110,408 0 20


20-29 0.0 0.00 0.0 0 0 2,381 284,797 1 83 30-39 169.6 59.95 171.0 8 927 10,359 1,188,396 5 542 40-49 95.9 14.13 96.2 46 5,602 56,061 6,795,162 48 5,825 50-59 112.8 11.12 108.9 103 12,074 49,627 6,033,275 91 11,090 60-69 70.8 10.33 66.7 47 5,358 12,573 1,518,593 66 8,032 70-99 90.6 8.08 92.9 126 16,576 4,438 564,868 139 17,836100-120 0.0 0.00 0.0 0 0 3 425 1 125

94.0 5.17 93.1 330 40,537 136,355 16,495,924 351 43,553TOTAL

87.4 87.9 823 108,381 672,775 92,487,2353.04GRAND TOTAL 123,351942


POLICY SIZE - $100,000 - $249,999



FEMALES ONLY


1 94.5 38.60 92.0 6 1,791 34,550 10,647,746 6 1,946 2 87.7 29.22 86.1 9 2,701 29,216 9,025,667 10 3,135 3 117.4 31.37 116.6 14 4,223 28,171 8,549,993 12 3,622 4 74.6 24.86 90.5 9 3,266 24,076 7,240,483 12 3,608 5 59.1 20.88 63.1 8 2,561 22,827 6,837,432 14 4,058 6-10 72.9 10.41 74.4 49 15,028 69,210 20,603,962 67 20,207 11-15 84.7 15.73 84.0 29 8,758 17,041 5,104,210 34 10,420

79.7 7.16 81.6 124 38,328 225,090 68,009,494 156 46,997TOTAL

0-4 0.0 0.00 0.0 0 0 70 19,879 0 3


5-14 0.0 0.00 0.0 0 0 913 260,598 0 60 15-24 145.5 84.01 127.0 3 750 12,099 3,478,969 2 591 25-34 77.5 18.80 71.6 17 4,783 84,862 26,001,251 22 6,682 35-44 77.1 13.22 82.0 34 10,853 86,319 26,121,834 44 13,238 45-54 100.3 16.49 105.5 37 11,489 33,495 9,901,950 37 10,888 55-64 57.2 16.52 59.0 12 3,766 5,665 1,707,077 21 6,385 65-89 71.3 15.56 73.1 21 6,687 1,665 517,937 29 9,152

79.7 7.16 81.6 124 38,328 225,090 68,009,494 156 46,997TOTAL

15-19 0.0 0.00 0.0 0 0 75 23,278 0 4


20-29 0.0 0.00 0.0 0 0 267 80,372 0 23 30-39 0.0 0.00 0.0 0 0 644 183,846 0 80 40-49 65.9 46.59 58.6 2 528 3,475 1,030,917 3 901 50-59 90.9 34.36 94.3 7 2,174 4,106 1,229,400 8 2,305 60-69 71.5 31.99 66.2 5 1,395 1,278 385,117 7 2,109 70-99 73.6 17.85 75.3 17 5,338 734 227,064 23 7,088100-120 0.0 0.00 0.0 0 0 1 300 0 102

74.6 13.40 74.8 31 9,435 10,580 3,160,293 42 12,613TOTAL

78.6 80.1 155 47,763 235,670 71,169,7876.31GRAND TOTAL 59,610197


POLICY SIZE - $250,000 - $499,999



FEMALES ONLY


1 31.6 31.59 27.8 1 500 18,250 10,375,296 3 1,798 2 90.2 45.12 79.6 4 2,000 13,316 7,490,223 4 2,513 3 62.6 36.12 66.9 3 1,800 11,703 6,567,731 5 2,692 4 86.9 43.43 83.0 4 2,171 9,138 5,092,686 5 2,615 5 81.1 40.57 87.5 4 2,450 8,031 4,473,693 5 2,801 6-10 121.4 23.37 121.9 27 15,393 19,619 10,907,070 22 12,632 11-15 106.0 30.60 110.6 12 7,175 4,270 2,404,496 11 6,485

99.1 13.37 99.8 55 31,489 84,327 47,311,196 55 31,537TOTAL

0-4 0.0 0.00 0.0 0 0 8 4,280 0 1


5-14 0.0 0.00 0.0 0 0 217 120,112 0 27 15-24 196.5 196.47 182.0 1 500 3,186 1,717,229 1 275 25-34 110.7 39.15 107.5 8 4,318 32,276 17,987,879 7 4,018 35-44 85.6 23.74 93.1 13 7,953 34,522 19,482,671 15 8,539 45-54 140.4 34.06 137.9 17 9,413 11,327 6,385,170 12 6,825 55-64 74.1 30.23 67.3 6 3,155 2,049 1,180,558 8 4,687 65-89 81.3 25.71 85.8 10 6,150 742 433,297 12 7,165

99.1 13.37 99.8 55 31,489 84,327 47,311,196 55 31,537TOTAL

15-19 0.0 0.00 0.0 0 0 6 3,149 0 1


20-29 0.0 0.00 0.0 0 0 29 17,279 0 5 30-39 2,862.5 2,862.51 2,527.7 1 532 82 49,174 0 21 40-49 618.7 357.18 545.5 3 1,500 539 305,575 0 275 50-59 60.6 60.64 74.0 1 700 849 486,162 2 946 60-69 48.3 48.27 93.6 1 1,130 373 219,233 2 1,207 70-99 34.6 19.98 35.0 3 1,749 277 164,004 9 5,000

69.7 23.22 75.3 9 5,611 2,154 1,244,576 13 7,455TOTAL

93.6 95.1 64 37,100 86,480 48,555,77211.70GRAND TOTAL 38,99168


POLICY SIZE - $500,000 - $999,999



FEMALES ONLY


1 179.8 127.15 106.4 2 2,000 4,843 7,016,737 1 1,880 2 0.0 0.00 0.0 0 0 3,344 4,857,745 1 2,815 3 0.0 0.00 0.0 0 0 2,778 3,875,630 2 2,903 4 66.8 66.81 42.7 1 1,000 2,048 2,827,262 1 2,343 5 111.9 79.14 66.6 2 2,000 1,778 2,443,100 2 3,001 6-10 117.8 37.24 172.0 10 24,870 4,829 7,100,337 8 14,463 11-15 142.1 50.23 91.1 8 8,727 1,346 2,279,753 6 9,576

105.4 21.97 104.4 23 38,597 20,964 30,400,565 22 36,982TOTAL

0-4 0.0 0.00 0.0 0 0 3 3,793 0 1


5-14 0.0 0.00 0.0 0 0 83 137,762 0 29 15-24 1,070.0 1,069.98 695.8 1 1,027 531 812,893 0 148 25-34 73.1 73.07 53.9 1 1,000 5,981 7,956,170 1 1,855 35-44 24.5 24.48 16.9 1 1,000 9,151 12,819,156 4 5,907 45-54 117.7 52.65 147.0 5 9,720 3,783 5,877,953 4 6,612 55-64 97.9 48.96 114.0 4 8,600 973 1,828,542 4 7,541 65-89 138.7 41.82 115.9 11 17,250 460 964,296 8 14,890

105.4 21.97 104.4 23 38,597 20,964 30,400,565 22 36,982TOTAL

15-19 0.0 0.00 0.0 0 0 1 1,215 0 0


20-29 0.0 0.00 0.0 0 0 14 31,482 0 10 30-39 0.0 0.00 0.0 0 0 40 75,793 0 34 40-49 0.0 0.00 0.0 0 0 172 281,532 0 236 50-59 0.0 0.00 0.0 0 0 313 512,031 1 993 60-69 107.6 107.56 68.5 1 1,000 167 267,341 1 1,461 70-99 79.3 39.64 62.2 4 6,123 188 356,665 5 9,845

73.9 33.06 56.6 5 7,123 894 1,526,059 7 12,578TOTAL

97.9 92.3 28 45,720 21,859 31,926,62318.51GRAND TOTAL 49,56029





FEMALES ONLY


1 0.0 0.00 0.0 0 0 2,069 11,149 1 4 2 609.1 430.71 535.6 2 17 947 13,832 0 3 3 1,491.6 1,054.75 239.0 2 5 737 15,270 0 2 4 0.0 0.00 33.6 0 1 591 15,655 0 2 5 0.0 0.00 49.9 0 2 490 17,769 0 5 6-10 169.9 84.93 105.1 4 23 2,400 90,067 2 22 11-15 154.5 16.75 132.3 85 483 5,428 81,252 55 365

158.6 16.44 131.8 93 531 12,662 244,995 59 403TOTAL

0-4 244.4 172.83 117.9 2 17 5,724 135,077 1 15


5-14 426.8 301.79 53.5 2 6 3,071 69,850 0 12 15-24 0.0 0.00 0.0 0 0 674 13,255 0 3 25-34 435.1 435.06 222.5 1 5 267 3,234 0 2 35-44 94.3 94.28 161.0 1 19 412 4,705 1 12 45-54 110.0 55.02 79.1 4 34 453 5,502 4 43 55-64 134.5 25.42 98.4 28 134 1,152 7,929 21 136 65-89 174.9 23.59 175.5 55 315 910 5,441 31 17990-120 0.0 0 0 0 1 0 0

158.6 16.44 131.8 93 531 12,662 244,995 59 403TOTAL

15-19 0.0 0.00 112.2 0 5 1,840 23,340 0 5


20-29 110.6 55.28 59.8 4 16 12,165 93,487 4 27 30-39 98.8 23.96 97.4 17 90 35,902 194,369 17 92 40-49 143.5 15.48 137.2 86 505 56,843 342,219 60 368 50-59 103.9 5.74 99.7 328 1,744 97,894 553,817 316 1,749 60-69 83.3 2.68 83.8 964 4,527 113,915 540,540 1,157 5,402 70-99 106.1 1.07 111.6 9,765 32,603 199,440 691,648 9,200 29,212100-120 15.7 2.02 28.3 60 153 1,045 1,541 383 542

100.8 0.95 106.0 11,224 39,644 519,043 2,440,961 11,136 37,397TOTAL

101.1 106.3 11,317 40,175 531,705 2,685,9560.95GRAND TOTAL 37,79911,195





FEMALES ONLY


1 209.7 121.06 145.3 3 55 6,446 181,477 1 38 2 464.6 207.78 304.8 5 70 6,931 173,981 1 23 3 0.0 0.00 260.2 0 48 6,684 164,524 1 19 4 0.0 0.00 0.0 0 0 6,339 155,597 1 17 5 0.0 0.00 0.0 0 0 6,275 161,402 1 17 6-10 67.8 39.15 41.1 3 45 36,793 933,848 4 110 11-15 111.9 18.65 93.1 36 624 60,468 1,621,141 32 670

114.1 16.65 94.4 47 843 129,937 3,391,970 41 893TOTAL

0-4 29.6 17.09 35.7 3 95 88,379 2,302,396 10 267


5-14 104.2 42.53 120.2 6 180 34,511 887,506 6 150 15-24 0.0 0.00 0.0 0 0 4,382 145,597 1 38 25-34 581.9 411.50 254.1 2 25 473 12,638 0 10 35-44 387.0 158.00 303.9 6 120 697 16,866 2 39 45-54 224.4 74.81 173.9 9 156 610 12,914 4 90 55-64 117.6 37.20 97.8 10 145 542 9,163 9 148 65-89 113.1 34.09 80.3 11 121 344 4,889 10 151

114.1 16.65 94.4 47 843 129,937 3,391,970 41 893TOTAL

15-19 54.2 31.31 38.1 3 60 28,071 802,203 6 158


20-29 91.8 21.05 75.6 19 369 73,286 1,735,989 21 487 30-39 125.9 23.80 134.2 28 652 49,224 1,059,553 22 486 40-49 116.5 12.87 106.1 82 2,507 64,176 2,152,783 70 2,362 50-59 101.5 5.94 97.6 292 8,005 94,812 2,767,091 288 8,200 60-69 71.2 3.84 69.8 343 7,249 51,409 1,140,837 482 10,390 70-99 101.7 3.61 96.2 794 12,652 24,995 427,458 781 13,153100-120 20.5 20.53 12.4 1 10 15 251 5 80

93.3 2.36 89.2 1,562 31,504 385,989 10,086,164 1,674 35,316TOTAL

93.8 89.3 1,609 32,347 515,926 13,478,1332.34GRAND TOTAL 36,2091,715


POLICY SIZE - $10,000 - $49,999



FEMALES ONLY


1 0.0 0.00 0.0 0 0 4,301 253,067 1 47 2 0.0 0.00 0.0 0 0 3,870 216,095 0 23 3 0.0 0.00 0.0 0 0 3,789 209,852 0 22 4 0.0 0.00 0.0 0 0 3,446 189,736 0 20 5 310.0 309.99 271.0 1 50 3,206 181,543 0 18 6-10 57.5 57.50 50.0 1 50 16,855 951,408 2 100 11-15 147.8 73.88 162.0 4 296 15,284 974,005 3 183

88.9 36.27 95.7 6 396 50,750 2,975,705 7 414TOTAL

0-4 46.9 33.14 40.4 2 100 37,331 2,148,453 4 248


5-14 128.1 90.60 198.4 2 196 12,159 734,517 2 99 15-24 0.0 0.00 0.0 0 0 1,124 83,135 0 19 25-34 0.0 0.00 0.0 0 0 52 4,052 0 3 35-44 0.0 0.00 0.0 0 0 34 2,189 0 6 45-54 363.7 363.73 288.6 1 50 37 2,382 0 17 55-64 438.8 438.81 375.5 1 50 12 700 0 13 65-89 0.0 0.00 0.0 0 0 1 277 0 9

88.9 36.27 95.7 6 396 50,750 2,975,705 7 414TOTAL

15-19 86.3 86.31 114.9 1 107 5,994 480,993 1 93


20-29 125.6 56.16 117.0 5 327 14,153 994,750 4 279 30-39 177.3 79.29 157.8 5 291 6,473 418,707 3 184 40-49 88.8 44.42 63.5 4 394 4,122 562,612 5 621 50-59 91.7 25.45 101.5 13 1,325 4,793 464,488 14 1,305 60-69 62.7 19.84 72.5 10 835 1,794 130,128 16 1,152 70-99 68.2 16.54 52.8 17 920 643 47,312 25 1,744

81.5 10.99 78.1 55 4,199 37,970 3,098,990 68 5,378TOTAL

82.1 79.3 61 4,595 88,720 6,074,69510.52GRAND TOTAL 5,79274


POLICY SIZE - $50,000 - $99,999



FEMALES ONLY


1 107.8 107.84 91.3 1 100 5,285 628,670 1 110 2 0.0 0.00 0.0 0 0 4,501 528,523 0 57 3 0.0 0.00 0.0 0 0 3,852 449,075 0 48 4 0.0 0.00 0.0 0 0 2,958 343,029 0 36 5 0.0 0.00 0.0 0 0 2,488 296,035 0 31 6-10 169.1 119.59 175.5 2 248 10,945 1,292,309 1 141 11-15 62.4 62.45 56.3 1 125 7,704 1,004,571 2 222

77.3 38.63 73.3 4 473 37,733 4,542,211 5 645TOTAL

0-4 140.1 70.07 139.2 4 473 24,066 2,858,772 3 340


5-14 0.0 0.00 0.0 0 0 12,155 1,482,173 1 184 15-24 0.0 0.00 0.0 0 0 1,456 192,366 0 42 25-34 0.0 0.00 0.0 0 0 14 2,415 0 2 35-44 0.0 0.00 0.0 0 0 20 2,776 0 6 45-54 0.0 0.00 0.0 0 0 11 1,818 0 12 55-64 0.0 0.00 0.0 0 0 6 1,190 0 23 65-89 0.0 0.00 0.0 0 0 5 702 0 36

77.3 38.63 73.3 4 473 37,733 4,542,211 5 645TOTAL

15-19 0.0 0.00 0.0 0 0 1,349 220,363 0 41


20-29 0.0 0.00 0.0 0 0 2,197 344,148 1 96 30-39 0.0 0.00 0.0 0 0 1,139 165,466 1 74 40-49 61.8 61.83 76.2 1 200 1,454 236,170 2 262 50-59 129.2 52.76 90.1 6 650 1,615 255,033 5 722 60-69 128.7 52.52 102.4 6 714 532 78,199 5 697 70-99 53.5 21.85 46.9 6 807 280 45,336 11 1,721

80.8 18.55 65.6 19 2,372 8,567 1,344,715 24 3,613TOTAL

80.2 66.8 23 2,845 46,300 5,886,92616.72GRAND TOTAL 4,25929


POLICY SIZE - $100,000 - $249,999



FEMALES ONLY


1 0.0 0.00 0.0 0 0 724 209,256 0 34 2 0.0 0.00 0.0 0 0 674 186,629 0 20 3 0.0 0.00 0.0 0 0 509 140,102 0 15 4 0.0 0.00 0.0 0 0 385 110,892 0 12 5 0.0 0.00 0.0 0 0 285 84,840 0 9 6-10 0.0 0.00 0.0 0 0 1,064 323,580 0 37 11-15 0.0 0.00 0.0 0 0 729 240,844 0 44

0.0 0.00 0.0 0 0 4,370 1,296,143 1 171TOTAL

0-4 0.0 0.00 0.0 0 0 2,409 712,151 0 85


5-14 0.0 0.00 0.0 0 0 1,722 508,784 0 63 15-24 0.0 0.00 0.0 0 0 234 72,408 0 16 25-34 0.0 0 0 0 500 0 1 35-44 0.0 0.00 0.0 0 0 5 1,900 0 4 45-54 0.0 0 0 0 400 0 2

0.0 0.00 0.0 0 0 4,370 1,296,143 1 171TOTAL

15-19 0.0 0.00 0.0 0 0 105 43,727 0 8


20-29 0.0 0.00 0.0 0 0 154 64,222 0 17 30-39 0.0 0.00 0.0 0 0 83 32,158 0 14 40-49 0.0 0.00 0.0 0 0 79 27,463 0 30 50-59 0.0 0.00 0.0 0 0 103 43,030 0 127 60-69 0.0 0.00 0.0 0 0 29 12,638 0 109 70-99 56.4 56.41 51.3 1 283 40 12,668 2 551

39.9 39.93 33.0 1 283 593 235,907 3 857TOTAL

32.7 27.5 1 283 4,963 1,532,05032.68GRAND TOTAL 1,0273


POLICY SIZE - $250,000 - $499,999



FEMALES ONLY


1 0.0 0.00 0.0 0 0 283 170,634 0 25 2 0.0 0.00 0.0 0 0 233 131,451 0 14 3 0.0 0.00 0.0 0 0 162 94,231 0 10 4 0.0 0.00 0.0 0 0 151 84,791 0 9 5 0.0 0.00 0.0 0 0 115 62,990 0 7 6-10 0.0 0.00 0.0 0 0 355 212,773 0 28 11-15 0.0 0.00 0.0 0 0 155 97,955 0 20

0.0 0.00 0.0 0 0 1,454 854,825 0 113TOTAL

0-4 0.0 0.00 0.0 0 0 687 402,830 0 47


5-14 0.0 0.00 0.0 0 0 678 396,553 0 48 15-24 0.0 0.00 0.0 0 0 84 51,608 0 10 25-34 0.0 0.00 0.0 0 0 0 584 0 0 35-44 0.0 0.00 0.0 0 0 2 1,750 0 3 45-54 0.0 0.00 0.0 0 0 3 1,500 0 4

0.0 0.00 0.0 0 0 1,454 854,825 0 113TOTAL

15-19 0.0 0.00 0.0 0 0 21 18,771 0 4


20-29 0.0 0.00 0.0 0 0 41 31,432 0 9 30-39 0.0 0.00 0.0 0 0 25 18,628 0 8 40-49 0.0 0.00 0.0 0 0 10 7,556 0 9 50-59 0.0 0.00 0.0 0 0 21 12,933 0 36 60-69 0.0 0.00 0.0 0 0 13 11,467 0 99 70-99 746.4 373.18 559.4 4 2,555 12 9,453 1 457

536.6 268.32 410.8 4 2,555 142 110,239 1 622TOTAL

427.5 347.7 4 2,555 1,596 965,064213.73GRAND TOTAL 7351


POLICY SIZE - $500,000 - $999,999



FEMALES ONLY


1 0.0 0.00 0.0 0 0 73 247,090 0 31 2 0.0 0.00 0.0 0 0 52 83,360 0 9 3 0.0 0.00 0.0 0 0 35 122,198 0 14 4 0.0 0.00 0.0 0 0 27 57,169 0 8 5 0.0 0.00 0.0 0 0 31 57,480 0 7 6-10 0.0 0.00 0.0 0 0 111 324,525 0 46 11-15 0.0 0.00 0.0 0 0 41 69,446 0 13

0.0 0.00 0.0 0 0 369 961,268 0 128TOTAL

0-4 0.0 0.00 0.0 0 0 170 349,900 0 40


5-14 0.0 0.00 0.0 0 0 162 539,505 0 73 15-24 0.0 0.00 0.0 0 0 38 71,862 0 16

0.0 0.00 0.0 0 0 369 961,268 0 128TOTAL

15-19 0.0 0.00 0.0 0 0 14 31,885 0 6


20-29 0.0 0.00 0.0 0 0 15 42,621 0 12 30-39 0.0 0.00 0.0 0 0 18 32,413 0 13 40-49 0.0 0.00 0.0 0 0 8 17,332 0 18 50-59 0.0 0.00 0.0 0 0 4 17,077 0 41 60-69 0.0 0.00 0.0 0 0 5 9,316 0 98 70-99 0.0 0.00 0.0 0 0 4 9,201 0 251

0.0 0.00 0.0 0 0 68 159,845 0 438TOTAL

0.0 0.0 0 0 437 1,121,1120.00GRAND TOTAL 5660





FEMALES ONLY


1 103.6 3.68 77.8 794 142,495 1,712,475 445,271,980 183,180766 2 91.2 2.74 77.9 1,109 205,310 1,634,227 402,650,432 263,4011,216 3 96.7 2.59 90.7 1,394 269,500 1,592,089 372,413,231 297,1831,441 4 94.1 2.37 78.3 1,579 252,878 1,539,146 338,835,207 323,1121,678 5 94.5 2.22 78.1 1,808 268,313 1,494,416 305,715,750 343,6071,914 6-10 96.7 0.86 83.7 12,791 1,440,756 6,884,139 1,053,699,328 1,720,71513,225 11-15 98.5 0.67 88.9 21,800 1,410,711 5,990,569 553,752,572 1,586,32922,141TOTAL 41,27597.4 84.6 3,989,963 4,717,52642,38120,847,0620.48 3,472,338,501

0-4 85.7 5.69 76.3 227 9,865 1,851,123 91,970,525 12,932265BY ISSUE AGESELECT EXPERIENCE

5-29 96.8 2.05 84.6 2,240 224,641 5,553,440 654,476,727 265,5312,313 30-44 95.5 1.09 84.7 7,658 1,217,105 8,302,001 1,878,192,519 1,436,8618,015 45-59 94.6 0.78 87.4 14,640 1,571,229 4,205,413 756,502,093 1,798,74515,475 60-74 100.5 0.83 78.8 14,584 825,209 895,352 86,726,030 1,047,50614,508 75-89 106.7 2.43 90.9 1,925 141,749 39,727 4,470,265 155,8811,80490-120 103.1 103.10 234.7 1 165 6 343 701TOTAL 41,27597.4 84.6 3,989,963 4,717,52642,38120,847,0620.48 3,472,338,501

15-29 106.4 3.27 104.7 1,060 33,012 2,196,400 71,573,234 31,530996BY ATTAINED AGEULTIMATE EXPERIENCE

30-44 120.3 2.13 95.7 3,183 112,445 3,190,898 136,988,628 117,5182,645 45-59 106.5 0.73 96.5 21,145 941,182 7,069,973 390,686,607 974,91519,858 60-74 88.4 0.37 81.7 58,213 1,314,340 4,727,549 137,740,692 1,609,63365,838 75-89 108.6 0.31 102.6 125,538 1,513,253 2,298,844 31,599,158 1,475,124115,59290-120 71.7 0.44 82.8 26,073 190,724 174,406 1,180,838 230,39536,354TOTAL 235,21297.5 92.5 4,104,957 4,439,115241,28419,658,0710.20 769,769,157

GRAND TOTAL 97.5 0.19 88.4 276,487 8,094,919 40,505,132 4,242,107,658 283,665 9,156,641

Thomson Data Analysis Today: 4/22/2011










1 107.2 4.54 75.5 107,662 269,529,627 142,518558 879,539 520 2 96.4 3.59 77.5 147,484 245,665,991 190,289720 844,173 747 3 102.1 3.41 86.7 185,158 229,160,516 213,668894 826,298 876 4 98.7 3.12 79.5 183,515 209,998,271 230,7301,000 802,384 1,013 5 92.2 2.83 72.9 177,006 189,864,236 242,9401,057 779,251 1,147 6-10 98.1 1.13 80.9 970,909 652,970,578 1,199,4887,541 3,569,982 7,684 11-15 96.4 0.89 85.5 930,608 331,030,365 1,088,78511,791 3,019,601 12,230

0.63 81.7 2,128,219,582 24,21797.3 2,702,34223,561 10,721,228 3,308,419TOTAL

0-4 88.3 7.44 79.4 6,003 45,581,869 7,565141 940,706 160


5-29 92.6 2.40 76.3 146,690 330,857,397 192,2411,488 2,685,448 1,607 30-44 93.9 1.38 80.7 832,846 1,168,220,073 1,031,8684,603 4,373,545 4,904 45-59 98.1 1.04 86.9 1,160,780 528,311,234 1,335,9748,977 2,294,318 9,149 60-74 98.4 1.13 75.0 510,802 53,841,124 680,8267,633 415,923 7,755 75-89 111.9 4.17 75.2 45,057 1,407,569 59,878718 11,285 64290-120 146.6 146.58 246.9 165 317 671 4 1

0.63 81.7 2,128,219,582 24,21797.3 2,702,34223,561 10,721,228 3,308,419TOTAL

15-29 101.7 3.75 98.8 22,367 36,448,960 22,627734 1,135,287 722


30-44 121.8 2.68 90.8 69,630 74,744,010 76,6672,061 1,680,597 1,693 45-59 110.3 0.93 97.9 689,329 256,670,721 703,99013,962 4,056,274 12,659 60-74 89.6 0.44 81.6 1,065,800 104,040,651 1,305,86941,501 3,021,941 46,326 75-89 104.6 0.36 101.5 1,194,234 22,940,734 1,176,73184,598 1,403,163 80,89890-120 65.5 0.53 83.1 131,845 723,547 158,57115,025 94,753 22,931

0.24 92.1 495,568,623 165,23095.6 3,173,204157,881 11,392,015 3,444,456TOTAL

0.2295.8 181,442GRAND TOTAL 5,875,545 2,623,788,20587.0 22,113,243 6,752,875189,447







1 96.0 6.25 85.7 34,833 175,742,354 40,662236 832,935 246 2 83.0 4.21 79.1 57,827 156,984,441 73,112389 790,053 469 3 88.4 3.96 101.0 84,341 143,252,715 83,514500 765,791 565 4 87.2 3.62 75.1 69,363 128,836,937 92,381579 736,762 664 5 97.9 3.57 90.7 91,307 115,851,514 100,667751 715,165 767 6-10 94.7 1.31 90.1 469,847 400,728,751 521,2275,250 3,314,157 5,541 11-15 101.0 1.01 96.5 480,103 222,722,207 497,54410,009 2,970,968 9,911

0.73 91.4 1,344,118,919 18,16397.5 1,287,62117,714 10,125,832 1,409,108TOTAL

0-4 81.8 8.82 71.9 3,861 46,388,656 5,36786 910,416 105


5-29 106.5 3.88 106.4 77,952 323,619,330 73,289752 2,867,992 706 30-44 98.2 1.78 94.9 384,259 709,972,446 404,9933,055 3,928,454 3,111 45-59 89.5 1.19 88.7 410,449 228,190,859 462,7715,663 1,911,096 6,325 60-74 102.9 1.23 85.7 314,407 32,884,906 366,6816,951 479,428 6,753 75-89 103.8 2.99 100.7 96,693 3,062,696 96,0031,207 28,442 1,16290-120 0.0 0.00 9.4 0 26 40 2 0

0.73 91.4 1,344,118,919 18,16397.5 1,287,62117,714 10,125,832 1,409,108TOTAL

15-29 118.7 6.58 119.6 10,646 35,124,273 8,903326 1,061,113 275


30-44 117.8 3.52 104.8 42,815 62,244,618 40,8511,122 1,510,302 952 45-59 99.8 1.18 93.0 251,853 134,015,887 270,9257,183 3,013,699 7,199 60-74 85.7 0.66 81.8 248,541 33,700,041 303,76416,712 1,705,608 19,512 75-89 118.0 0.58 106.9 319,020 8,658,418 298,39240,940 895,680 34,69390-120 82.3 0.78 82.0 58,879 457,291 71,82411,048 79,653 13,423

0.37 93.7 274,200,529 76,054101.7 931,75377,331 8,266,054 994,658TOTAL

0.33100.9 95,045GRAND TOTAL 2,219,374 1,618,319,44892.3 18,391,885 2,403,76694,217


TABLE 4 CANADIAN STANDARD ORDINARY EXPERIENCE

COMPARISON OF RATIOS (A/E) BY AMOUNT - EXPECTED CIA 97-04 TABLES

EXPERIENCE 2003-2008 2004-2009

MALE & FEMALE SEL. & ULT. 90.0 88.4MALE SEL. & ULT. 88.7 87.0FEMALE SEL. & ULT. 93.7 92.3MALE & FEMALE SELECT 87.1 84.6MALE SELECT 84.7 81.7FEMALE SELECT 92.7 91.4MALE & FEMALE ULTIMATE 93.4 92.5MALE ULTIMATE 92.9 92.1FEMALE ULTIMATE 95.3 93.7MALE, MEDICAL SELECT 75.9 74.4MALE, NON-MEDICAL SELECT 98.9 93.3MALE, PARAMEDICAL SELECT 85.1 81.4FEMALE, MEDICAL SELECT 92.3 91.0FEMALE, NON-MEDICAL SELECT 100.7 100.3FEMALE, PARAMEDICAL SELECT 89.6 87.9MALE, SMOKER SELECT 87.1 86.0MALE, NON-SMOKER SELECT 83.9 80.4MALE, UNCLASSIFIED SELECT 93.3 85.6FEMALE, SMOKER SELECT 94.2 92.7FEMALE, NON-SMOKER SELECT 92.2 90.9FEMALE, UNCLASSIFIED SELECT 98.3 101.7MALE, SMOKER ULTIMATE 95.4 93.8MALE, NON-SMOKER ULTIMATE 88.9 90.7MALE, UNCLASSIFIED ULTIMATE 95.7 93.0FEMALE, SMOKER ULTIMATE 98.7 99.0FEMALE, NON-SMOKER ULTIMATE 88.5 87.0FEMALE, UNCLASSIFIED ULTIMATE 101.7 100.1



1 127.6 9.28 108.3 189 31,032 165,182 38,073,947 148 28,654 2 89.9 5.85 71.8 236 34,069 156,540 33,963,246 263 47,428 3 89.2 5.43 75.9 270 39,548 154,126 31,589,768 303 52,120 4 82.3 4.87 70.6 285 39,047 151,217 28,848,328 346 55,298 5 83.3 4.66 68.8 319 39,375 145,714 25,703,426 383 57,268 6-10 96.1 1.99 85.6 2,324 215,289 667,875 84,575,283 2,419 251,574 11-15 97.9 1.63 98.1 3,587 205,490 576,529 43,920,087 3,663 209,496

95.8 1.13 86.0 7,210 603,850 2,017,183 286,674,085 7,525 701,839TOTAL

0-4 65.3 32.67 46.5 4 118 17,001 707,249 6 255


5-14 133.6 13.29 101.5 101 3,844 150,193 7,687,915 76 3,785 15-24 90.6 6.66 81.6 185 13,817 246,094 21,463,070 204 16,933 25-34 89.7 3.72 89.1 581 83,524 563,932 91,727,328 648 93,742 35-44 98.3 2.61 90.3 1,425 191,249 603,753 111,167,484 1,449 211,745 45-54 95.1 2.06 82.8 2,126 186,970 323,835 45,439,641 2,235 225,809 55-64 91.5 2.13 81.7 1,845 94,251 93,646 7,669,094 2,016 115,372 65-89 105.8 3.44 87.9 943 30,076 18,729 812,304 892 34,198

95.8 1.13 86.0 7,210 603,850 2,017,183 286,674,085 7,525 701,839TOTAL

15-19 139.3 19.70 128.8 50 1,701 82,237 3,043,533 36 1,321


20-29 95.5 8.48 110.0 127 4,704 187,694 6,024,205 133 4,277 30-39 120.7 9.82 112.4 151 5,217 109,932 4,065,671 125 4,642 40-49 111.4 4.16 101.4 717 42,533 266,680 17,059,031 644 41,957 50-59 96.7 2.15 100.7 2,022 129,938 311,656 19,654,592 2,091 128,977 60-69 83.5 1.49 82.6 3,129 124,653 176,950 7,519,043 3,749 150,963 70-99 97.2 1.22 96.0 6,347 126,829 108,035 2,385,046 6,529 132,175100-120 0.0 0.00 0.0 0 0 53 132 24 59

94.1 0.84 93.8 12,543 435,576 1,243,238 59,751,254 13,331 464,370TOTAL

94.7 89.1 19,753 1,039,425 3,260,421 346,425,3380.67GRAND TOTAL 1,166,20920,856





MALES ONLY


1 98.8 5.31 67.1 346 75,434 616,181 224,349,748 350 112,443 2 99.5 4.61 79.2 466 112,374 597,514 205,617,335 468 141,806 3 108.6 4.41 90.1 607 144,675 587,612 192,095,264 559 160,611 4 108.2 4.07 82.6 708 144,131 570,345 176,045,963 654 174,527 5 96.5 3.58 74.2 725 137,132 553,649 159,259,342 751 184,805 6-10 97.1 1.38 79.7 4,980 751,267 2,454,403 545,475,622 5,130 942,844 11-15 94.0 1.08 82.3 7,571 708,025 1,910,859 263,631,537 8,051 859,813

96.5 0.78 80.4 15,403 2,073,038 7,290,563 1,766,474,811 15,965 2,576,849TOTAL

0-4 276.1 104.34 241.1 7 396 7,288 456,468 3 164


5-14 103.4 15.59 95.1 44 3,549 77,758 6,951,154 43 3,730 15-24 90.7 4.78 82.7 359 33,848 693,605 75,166,392 396 40,919 25-34 80.4 2.56 66.2 987 173,594 1,934,574 454,950,799 1,228 262,055 35-44 95.6 2.06 80.7 2,158 466,535 2,310,212 700,019,757 2,258 577,951 45-54 106.4 1.76 93.3 3,651 643,744 1,498,999 394,923,505 3,431 690,321 55-64 91.0 1.40 76.2 4,210 474,213 607,042 115,116,232 4,627 622,148 65-89 100.2 1.59 73.0 3,986 277,109 161,081 18,890,304 3,978 379,52690-120 146.6 146.58 146.6 1 50 4 200 1 34

96.5 0.78 80.4 15,403 2,073,038 7,290,563 1,766,474,811 15,965 2,576,849TOTAL

15-19 75.4 23.85 71.4 10 373 29,838 1,182,645 13 523


20-29 85.4 10.60 83.4 65 2,380 108,194 4,027,955 76 2,854 30-39 98.8 7.41 79.8 178 8,495 233,678 13,767,392 180 10,645 40-49 87.1 2.87 81.4 923 85,962 865,845 84,754,223 1,060 105,567 50-59 105.0 2.03 101.4 2,673 279,914 1,015,877 110,772,843 2,546 276,051 60-69 85.9 1.36 81.1 3,965 320,016 565,446 50,275,133 4,617 394,386 70-99 91.3 0.87 93.5 10,961 667,223 338,200 21,001,695 12,003 713,474100-120 33.0 23.33 33.4 2 29 14 202 6 87

91.6 0.67 90.7 18,777 1,364,393 3,157,093 285,782,087 20,502 1,503,586TOTAL

93.7 84.2 34,180 3,437,431 10,447,656 2,052,256,8980.51GRAND TOTAL 4,080,43536,467





MALES ONLY


1 104.0 21.69 84.2 23 1,196 98,176 7,105,932 22 1,421 2 109.7 25.86 98.8 18 1,042 90,119 6,085,410 16 1,055 3 120.9 29.32 99.7 17 934 84,560 5,475,484 14 937 4 55.3 20.91 37.3 7 337 80,822 5,103,979 13 905 5 104.0 28.84 57.4 13 498 79,888 4,901,469 13 867 6-10 176.7 11.48 85.9 237 4,353 447,704 22,919,672 134 5,069 11-15 122.7 4.88 87.8 633 17,093 532,213 23,478,740 516 19,475

130.2 4.23 85.6 948 25,454 1,413,483 75,070,686 728 29,731TOTAL

0-4 86.1 7.55 76.8 130 5,489 916,417 44,418,152 151 7,146


5-14 112.4 9.34 70.0 145 4,527 401,850 23,573,346 129 6,464 15-24 93.8 17.72 65.1 28 1,370 49,581 3,735,210 30 2,107 25-34 158.9 29.51 85.1 29 1,423 15,697 1,425,812 18 1,673 35-44 147.6 21.08 75.0 49 2,255 11,743 1,209,201 33 3,006 45-54 153.1 15.39 104.7 99 3,474 7,968 469,928 65 3,319 55-64 133.4 9.81 91.5 185 3,356 6,354 187,900 139 3,669 65-89 173.4 10.30 148.8 283 3,445 3,871 51,019 163 2,31590-120 352.0 0 115 0 117 0 33

130.2 4.23 85.6 948 25,454 1,413,483 75,070,686 728 29,731TOTAL

15-19 122.8 12.53 120.5 96 3,516 189,335 7,107,277 78 2,919


20-29 100.2 5.10 90.3 386 9,692 537,988 15,063,344 385 10,734 30-39 126.7 5.27 103.3 579 9,548 531,188 10,748,147 457 9,243 40-49 140.0 3.24 94.2 1,871 40,597 891,461 28,179,094 1,337 43,093 50-59 116.9 1.41 97.7 6,909 156,753 1,510,552 42,413,737 5,912 160,483 60-69 94.1 0.74 83.9 16,139 251,887 1,474,437 26,928,872 17,149 300,210 70-99 97.3 0.31 95.1 100,263 899,373 1,849,829 19,585,076 103,056 945,606100-120 10.5 0.59 44.3 318 1,868 6,893 9,733 3,023 4,212

96.3 0.27 93.0 126,561 1,373,235 6,991,684 150,035,282 131,396 1,476,500TOTAL

96.5 92.9 127,509 1,398,689 8,405,166 225,105,9690.27GRAND TOTAL 1,506,231132,124





MALES ONLY


1 99.3 12.93 81.5 59 6,017 126,896 20,561,284 59 7,385 2 86.5 7.77 91.6 124 15,454 122,937 18,722,886 143 16,870 3 83.4 7.00 74.0 142 14,086 123,237 17,581,175 170 19,037 4 90.2 6.74 62.6 179 13,193 122,408 16,304,711 198 21,072 5 96.2 6.59 90.5 213 19,884 118,144 14,426,224 221 21,979 6-10 100.8 2.60 89.6 1,506 91,956 567,323 50,479,304 1,494 102,671 11-15 114.1 2.08 107.5 3,017 105,378 566,355 31,801,416 2,644 98,050

106.3 1.47 92.7 5,240 265,968 1,747,301 169,877,000 4,931 287,064TOTAL

0-4 226.1 92.31 156.1 6 176 16,452 695,579 3 113


5-14 122.6 20.44 92.7 36 1,386 141,946 7,379,634 29 1,495 15-24 112.5 12.27 96.2 84 5,516 256,397 20,894,213 75 5,737 25-34 105.8 5.79 113.2 334 35,789 481,729 59,337,181 316 31,616 35-44 95.7 3.19 83.8 897 67,119 467,316 54,384,523 938 80,133 45-54 92.0 2.41 86.4 1,456 76,715 268,426 21,485,451 1,582 88,776 55-64 111.4 2.90 84.8 1,481 43,677 91,466 4,580,128 1,329 51,533 65-89 143.3 4.66 128.7 946 35,590 23,569 1,120,291 660 27,662

106.3 1.47 92.7 5,240 265,968 1,747,301 169,877,000 4,931 287,064TOTAL

15-19 100.8 24.46 124.8 17 803 77,512 2,986,113 17 643


20-29 116.7 15.88 135.0 54 2,075 168,706 5,573,070 46 1,537 30-39 117.7 14.17 107.0 69 2,504 110,087 4,256,168 59 2,340 40-49 102.1 4.56 103.8 502 25,451 275,051 13,734,811 492 24,522 50-59 88.1 2.50 88.7 1,239 49,059 251,078 10,305,869 1,406 55,296 60-69 92.6 2.19 90.5 1,782 38,656 136,241 3,154,382 1,925 42,736 70-99 132.4 1.97 114.1 4,519 54,419 97,666 1,391,809 3,414 47,688100-120 0.0 0.00 0.0 0 0 26 65 10 23

111.0 1.23 99.0 8,182 172,966 1,116,366 41,402,287 7,370 174,786TOTAL

109.1 95.0 13,422 438,934 2,863,668 211,279,2880.94GRAND TOTAL 461,85012,301





FEMALES ONLY


1 93.2 7.49 86.8 155 27,847 611,240 148,150,600 166 32,072 2 79.9 5.04 75.1 251 41,735 580,485 132,234,230 314 55,578 3 91.4 4.87 109.0 352 69,608 561,602 120,290,941 385 63,886 4 86.2 4.34 78.9 394 55,812 536,965 107,559,766 457 70,767 5 98.2 4.27 90.6 528 70,853 520,177 96,599,185 538 78,163 6-10 89.8 1.52 90.2 3,513 374,558 2,312,923 327,431,759 3,911 415,181 11-15 94.2 1.18 93.4 6,343 362,663 1,884,969 168,098,347 6,736 388,119

92.2 0.86 90.9 11,536 1,003,074 7,008,362 1,100,364,827 12,508 1,103,767TOTAL

0-4 0.0 0.00 0.0 0 0 7,144 455,832 1 73


5-14 75.5 20.93 60.9 13 944 77,011 7,047,149 17 1,550 15-24 102.9 7.76 107.2 176 17,346 775,692 79,309,545 171 16,175 25-34 94.9 3.69 89.9 663 98,969 2,084,291 379,762,276 699 110,117 35-44 100.5 2.62 101.3 1,469 228,332 2,057,742 397,301,335 1,462 225,386 45-54 94.2 2.01 102.1 2,189 238,586 1,241,145 172,937,882 2,324 233,773 55-64 77.9 1.52 65.1 2,629 139,024 535,149 45,480,731 3,374 213,469 65-89 98.6 1.49 92.3 4,397 279,874 230,185 18,070,058 4,459 303,22290-120 0.0 0.00 0.0 0 0 2 20 0 3

92.2 0.86 90.9 11,536 1,003,074 7,008,362 1,100,364,827 12,508 1,103,767TOTAL

15-19 177.7 56.19 151.6 10 338 29,341 1,166,157 6 223


20-29 148.0 22.32 108.6 44 1,203 104,641 3,863,465 30 1,107 30-39 95.0 9.80 110.1 94 6,108 225,150 12,323,371 99 5,545 40-49 100.1 3.87 95.9 669 47,467 791,557 58,276,549 668 49,516 50-59 96.1 2.55 88.5 1,416 86,083 771,019 52,251,744 1,473 97,322 60-69 78.4 1.87 75.6 1,762 71,025 384,773 16,969,774 2,247 93,918 70-99 99.1 1.18 88.6 7,073 200,718 275,960 8,507,156 7,137 226,564100-120 61.1 23.08 56.4 7 405 36 2,202 11 718

94.9 0.90 87.0 11,075 413,347 2,582,476 153,360,418 11,671 474,913TOTAL

93.5 89.7 22,611 1,416,421 9,590,838 1,253,725,2450.62GRAND TOTAL 1,578,68024,179





FEMALES ONLY


1 109.0 23.24 80.6 22 970 94,799 7,030,470 20 1,204 2 122.1 32.63 96.0 14 638 86,630 6,027,325 11 664 3 62.0 25.31 109.6 6 648 80,951 5,380,599 10 591 4 71.9 29.34 66.0 6 357 77,389 4,972,459 8 542 5 123.5 39.05 108.7 10 570 76,844 4,826,106 8 525 6-10 170.9 11.24 98.8 231 3,333 433,910 22,817,687 135 3,375 11-15 122.3 4.80 106.0 649 12,062 519,644 22,822,445 531 11,375

129.6 4.23 101.7 938 18,579 1,370,168 73,877,091 724 18,276TOTAL

0-4 78.9 8.82 71.1 80 3,685 886,820 45,237,245 101 5,181


5-14 104.2 13.35 116.6 61 3,790 382,739 23,337,485 59 3,252 15-24 65.1 23.02 72.0 8 585 45,071 3,195,156 12 812 25-34 197.9 41.27 136.6 23 1,060 14,426 1,000,551 12 776 35-44 154.4 23.54 111.3 43 1,374 12,086 642,730 28 1,234 45-54 102.8 12.46 77.7 68 1,222 9,186 238,906 66 1,573 55-64 126.6 8.29 93.1 233 2,166 11,260 138,752 184 2,327 65-89 161.2 7.85 150.5 422 4,697 8,580 86,261 262 3,12090-120 33.9 0 0 0 6 0 1

129.6 4.23 101.7 938 18,579 1,370,168 73,877,091 724 18,276TOTAL

15-19 86.6 15.55 116.2 31 1,662 182,517 7,349,853 36 1,430


20-29 121.2 9.30 115.2 170 4,564 498,397 14,185,615 140 3,962 30-39 116.8 7.60 107.9 236 4,264 433,811 8,503,838 202 3,950 40-49 136.3 4.27 114.0 1,020 22,324 700,918 18,327,199 748 19,582 50-59 101.8 1.84 95.7 3,060 51,409 965,331 18,280,955 3,005 53,703 60-69 80.2 1.05 79.4 5,879 56,649 736,971 7,591,362 7,327 71,353 70-99 107.0 0.49 107.8 47,370 203,729 1,045,661 5,192,995 44,265 188,921100-120 23.9 1.36 40.7 308 838 3,607 6,006 1,291 2,059

101.9 0.42 100.1 58,074 345,440 4,567,211 79,437,823 57,014 344,960TOTAL

102.2 100.2 59,012 364,019 5,937,380 153,314,9150.42GRAND TOTAL 363,23657,737





FEMALES ONLY

Download - Today - cia-ica.ca · by policy year select experience 1 101.4 8.04 74.6 159 32,333 350,361 105,428,590 43,325157 2 85.4 6.10 80.9 196 44,483 306,687 85,642,088 54,995229

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