Munich American Reassurance Company [LOGO]
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Automatic Reinsurance Agreement
effective October 1, 2000
between
GE Life and Annuity Assurance Company
Richmond, Virginia
(hereinafter called the Ceding Company)
and
Munich American Reassurance Company
Atlanta, Georgia
(hereinafter called MARC)
Treaty ID: 1754
Table of Contents
Article I Basis of Reinsurance 1
Article II Mode of Notification and Cession 2
Article III Liability of MARC 2
Article IV Plan of Reinsurance 2
Article V Reinsurance Premiums 3
Article VI Tax Procedures 4
Article VII Claims 4
Article VIII Policy Changes 5
Article IX Accounting 6
Article X Expenses of Original Policy 7
Article XI Errors and Omissions 7
Article XII Retention Limit Changes (Recapture) 7
Article XIII Inspections of Records 8
Article XIV Insolvency 9
Article XV Arbitration 9
Article XVI Parties to Agreement; Entire Agreement 10
Article XVII Duration of Agreement; Termination 10
Article XVIII Effective Date; Executive 12
Exhibit I Reinsurance Submission Form
Exhibit II Limits and Special Conditions for the First Excess
Exhibit III Retention Limits of the Ceding Company
Exhibit IV Life Reinsurance Premiums
Exhibit V Accidental Death Reinsurance Premiums
Exhibit VI List of Risks Reinsured
Exhibit VII List of Amendments
Exhibit VIII In-Force Summary Form
Article I Basis of Reinsurance
1. On and after the effective date of this agreement, the Ceding
Company will automatically cede to MARC its entire First Excess
as defined in Exhibit II. MARC will automatically accept such
First Excess within the limits shown in Exhibit II, provided the
Ceding Company keeps its regular retention and applies its normal
underwriting standards. The Ceding Company's regular retention
limits are shown in Exhibit III. Normal underwriting standards
are explained in paragraph 7 of this article.
2. IF the Ceding Company is already on the risk for its regular
retention under previously issued policies, MARC will
automatically accept reinsurance up to the limits shown in
Exhibit II, provided the Ceding Company has applied the same
underwriting rules it would have applied if the new policy had
fallen completely within its regular retention.
3. If the Ceding Company retains less than its regular retention on
a risk, MARC will automatically accept an amount not exceeding
the amount retained by the Ceding Company on the current
application.
Facultative Submissions
4. The Ceding Company may submit any risk that is eligible for
automatic reinsurance to MARC for its underwriting opinion. If
such risk is acceptable, it will be reinsured automatically under
this agreement.
5. In addition, the Ceding Company may apply to MARC for facultative
reinsurance of any individual life risk that is issued on a
policy plan covered under this agreement. An application may
include waiver of premium disability or accidental death benefits
with life.
6. The Ceding Company will make such facultative submissions by
sending MARC copies of all papers relating to the insurability of
the risk, together with a Reinsurance Submission Form (Exhibit
I). MARC will examine the papers and notify the Ceding Company of
its underwriting action promptly. Any offer made by MARC will
expire as indicated in the offer unless the Ceding Company
withdraws its application earlier. If no expiration date is shown
in the offer, the offer will expire after 120 days from the date
of the offer. The Ceding Company must notify MARC of its
acceptance of an offer before the expiration of the offer and
during the lifetime of the insured.
1
Underwriting Standards
7. The Ceding Company will use Cologne's Life Underwriting Manual to
determine underwriting risk classifications, unless the Ceding
Company and MARC agree to use an alternative method. The Ceding
Company should discuss any proposed changes in underwriting
standards, requirements, or other criteria with MARC before
implementation.
Article II Mode of Notification and Cession
1. There will no be individual cessions for risks reinsured
hereunder. Instead, each month the Ceding Company will supply
MARC with three lists containing the information shown in Exhibit
VI, "List of Risks Reinsured," Exhibit VII, "List of Amendments,"
and Exhibit VIII, "In-Force Summary." The Ceding Company will
submit all monthly lists to MARC no later than the twentieth day
of the following month.
2. If the Ceding Company chooses to report its reinsurance
transactions via electronic media, it will consult with MARC to
determine the appropriate format. The Ceding Company will notify
MARC before making any changes in the data format or code
structure of any such reports.
Article III Liability of MARC
For automatic reinsurances, MARC's liability will begin at the
same time as the Ceding Company's liability. For facultative
submissions, MARC's liability will begin at the same time as the
Ceding Company's liability if all the requirements of Articles I
and II have been met.
Article IV Plan of Reinsurance
1. Life reinsurance will be ceded on a monthly renewable term basis
for the Reinsurance Death Benefit.
Reinsurance Death Benefit
2. The Reinsurance Death Benefit will be rounded to the nearest
dollar and will equal the Proportion of the Policy Reinsured
multiplied by the difference between the death benefit and the
account value included in the death benefit.
Proportion of the Policy Reinsured
3. The Proportion of the Policy Reinsured will be the First Excess
divided by the sum of the First Excess and the Ceding Company's
retention.
2
Increases and Decreases
4. Any increase or decrease in the death benefit will be shared
proportionately by the Ceding Company and MARC until the Ceding
Company has reached its retention limit. Additional increases
will be assumed by MARC subject to the provisions for increased
amounts specified in Article VIII and Exhibit II.
Additional Benefits
5. Reinsurance of waiver of premium disability and accidental death
benefits will agree with the Ceding Company's original policy
forms. The Ceding Company must ▇▇▇▇▇▇▇ ▇▇▇▇ with copies of its
waiver of premium disability and accidental death riders and keep
MARC informed of any changes.
6. MARC will not participate in gross annual premiums and policy
fees paid by the policyholder, expense charges, cash values,
accumulation fund amounts, dividends, nor any benefits not
expressly referred to herein.
Article V Reinsurance Premiums
1. The reinsurance premium rates for life insurance are in Exhibit
IV. The reinsurance premium rates for accidental death benefits
are in Exhibit V. Any annual rates in Exhibits IV and V will be
divided by twelve to determine monthly rates. Such monthly rates
will be rounded to four decimal places.
2. The reinsurance premiums for waiver of premium disability
benefits will be the following percentages of the premium that
the Ceding Company charges the insured on the Reinsurance Death
Benefit:
First Year Renewal Years
---------- -------------
0% 90%
3. The Ceding Company will pay the reinsurance premiums on a monthly
basis at the beginning of each calendar month following the date
of issue. No premium will be due for the calendar month of issue,
nor will there be any adjustment for unearned premiums for any
month in which any reinsurance is reduced or terminated. Any
scheduled change in reinsurance premiums effective on a policy
anniversary will be deemed effective on the first day of the
calendar month following such anniversary.
3
4. MARC cannot guarantee the life reinsurance premium rates for more
than one year; however, MARC expects to continue accepting
premiums on these rates indefinitely.
Article VI Tax Procedures
1. MARC will not reimburse the Ceding Company for any share of state
premium taxes the Ceding Company has to pay.
2. Both companies hereby enter into an election under Treasury
Regulations Section 1.848-2(g)(8) whereby:
a. For each taxable year under this agreement, the party with
net positive consideration, as defined in Treasury Code
Section 848, will capitalize specified policy acquisition
expenses with respect to this reinsurance agreement without
regard to the general deductions limitation of Section
848(c)(1).
b. Both companies agree to exchange information about the
amount of net consideration for all reinsurance agreements
in force between them to ensure consistency for purposes of
computing specified policy acquisition expenses.
c. This election will be effective as of the beginning of the
taxable year that includes the effective date of this
agreement. This election will remain in effect for all
future taxable years for which this agreement remains in
effect.
Article VII Claims
1. If the Ceding Company pays a claim in full, MARC will pay the
Ceding Company the full Reinsurance Death Benefit. If the Ceding
Company pays less than the full amount of a claim, MARC and the
Ceding Company will share proportionately in the reduction.
2. If any special expenses are involved in the settlement of a
claim, MARC and the Ceding Company will share the expenses
proportionately. Such special expenses include, but are not
limited to, court and arbitration costs, special investigations,
etc. The following will not be considered special expenses:
a. Salaries of the Ceding Company's and MARC's employees
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b. Expenses incurred in connection with a dispute or contest
arising out of conflicting claims of entitlement to policy
proceeds or benefits that the Ceding Company admits are
payable
c. Expenses, fees, settlements, or judgements arising out of or
in connection with claims made against the Ceding Company
for extra-contractual damages, such as punitive damages, bad
faith damages, or compensatory damages that may arise from
acts or omissions of the Ceding Company in its conduct with
its own insured, policy owner, beneficiary or assignee of
the policy, or others; provided, however, that MARC will pay
its proportionate part of any such expenses, fees,
settlements, and judgements solely to the extent that such
expenses, fees, settlements, and judgements result directly
from acts or omissions of MARC, or acts or omissions of the
Ceding Company to which MARC affirmatively consented in
writing or that were directed, ratified, or agreed to by
MARC in writing
3. Both companies will share proportionately in any increase or
reduction resulting from an insured's misstatement of age or sex.
4. In every case of loss, any proofs acceptable to the Ceding
Company will be sufficient for MARC. However, the Ceding Company
must ▇▇▇▇▇▇▇ ▇▇▇▇ with copies of the proofs.
Contestable Claims
5. The Ceding Company must give MARC advance notice of any
contestable claim if fifty percent or more of the life or waiver
of premium disability risk is reinsured by MARC. The Ceding
Company must also give MARC advance notice of any contestable
accidental death claim if the accidental death benefit is
reinsured hereunder. On request, the Ceding Company will submit
all papers relating to any such claim to MARC for its opinion
before making any commitment or payment to the claimant.
Article VIII Policy Changes
1. The Ceding Company will include any changes in the List of
Amendments described in Exhibit VII.
2. If the face amount or death benefit is increased according to
procedures in the policy, the Reinsurance Death Benefit and the
Proportion of the Policy Reinsured will be recalculated. Such
increases are subject to the submission of satisfactory
5
evidence of insurability and will therefore be treated as new
issues, subject to the provisions of Article I and the
limitations shown in Exhibit II. Reinsurance premiums for such
increased amounts will be calculated as for other new issues.
3. If any portion of the total insurance retained by the Ceding
Company on any life is reduced or terminated, the amount of
reinsurance carried by the Ceding Company on that life will be
reduced by a like amount. The reinsurance on the policy or
policies reduced or terminated will be the first to be reduced.
If further reduction in reinsurance is required, the cessions to
be reduced or terminated will be determined by the order in which
they were reinsured. The first to be reinsured would be the first
to be reduced or terminated, and so on. If the reinsurance is
shared by two or more reinsurers, the reduction will be prorated
among all the reinsurers.
4. If a policy is reinstated in accordance with its terms and the
Ceding Company's regular reinstatement rules, MARC will restore
the reinsurance coverage as if no change had occurred. However,
MARC's approval will be required prior to reinstatement of the
reinsurance if the policy was facultatively reinsured hereunder
and the Ceding Company's regular reinstatement rules require more
evidence of insurability than a Statement of Good Health. Upon
reinstatement of the reinsurance coverage, the Ceding Company
will pay the reinsurance premiums that would have accrued had the
policy not lapsed, together with interest at the same rate as the
Ceding Company receives under its policy.
Article IX Accounting
1. Within the first twenty days of each calendar month, the Ceding
Company will send MARC the List of Risks Reinsured, the List of
Amendments, and the In-Force Summary, including all the
information required by Exhibits VI, VII, and VIII.
2. If the Ceding Company owes MARC, it will remit the amount owed
with the statement. MARC will remit any amount it owes the Ceding
Company within twenty working days after receiving the statement.
3. Claim payments will be settled individually when they are due.
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4. Any debts or credits, in favor of or against either MARC or the
Ceding Company with respect to this agreement or any other
reinsurance agreement between the Ceding Company and MARC, are
deemed mutual debts or credits and will be offset and only the
balance will be allowed or paid. The right of offset will not be
affected or diminished because of the insolvency of either party.
Article X Expenses of Original Policy
The Ceding Company will pay for all medical examinations,
inspection fees, and other charges incurred in issuing policies.
Article XI Errors and Omissions
1. Errors and omissions on any statement or reinsurance record will
not affect MARC's liability for any reinsurance under this
agreement. Any error affecting reinsurance premiums will be
rectified as soon as possible after discovery.
2. If the failure of either party to comply with any provision of
this agreement is unintentional or the result of a
misunderstanding or oversight, both parties will be restored as
closely as possible to the positions they would have occupied if
no error or oversight had occurred.
3. This article will not apply to any facultative submission until
the Ceding Company has notified MARC of its acceptance of MARC's
offer in accordance with Article I.
Article XII Retention Limit Changes (Recapture)
1. The reinsurance under this agreement will remain in force without
reduction as long as the original policy remains in force without
reduction, except as provided below.
2. If the Ceding Company increases its regular retention limits, it
may choose to recapture. Such recapture will increase the total
amount the Ceding Company carries on each case up to its then
maximum retention. If the Ceding Company chooses to recapture, it
must send MARC a written request.
3. Recaptures will take effect on the later of the following dates:
a. The first policy anniversary date after the Ceding Company
notifies MARC of its retention limit increase
7
b. When the policy has been in force for the number of years
stated in Exhibit IV
If any reinsurance on any policy reinsured hereunder is
recaptured, all other eligible policies must be similarly
recaptured, subject to the restrictions herein.
4. If the reinsurance to be reduced is shared by two or more
reinsurers, the reduction will be prorated among all the
reinsurers.
5. Reductions or cancellations that were overlooked will be made
when discovered. MARC's acceptance of reinsurance premiums after
the effective dates of any overlooked reductions or cancellations
will not constitute or determine a liability of MARC. MARC will
be liable only for a refund of the premium so received.
6. No recapture will be made if the Ceding Company retained less
than its regular retention limit at issue or if the Ceding
Company retained no part of the risk.
7. If a waiver of premium disability claim is in effect when
recapture takes place, the Ceding Company will recapture the life
risk and all other eligible benefits as if there were no waiver
of premium disability claim. MARC's liability for these benefits
will then cease. The waiver of premium disability reinsurance
will remain in effect until the policy is returned to a premium
paying status. When that happens, the Ceding Company will
recapture the waiver of premium disability benefits.
8. If a recaptured waiver of premium claim is resumed because of an
extension of the initial disability under the terms of the Ceding
Company's policy, MARC will pay its share of the waiver of
premium benefit if the Ceding Company pays MARC the reinsurance
premium for the period following recapture.
Article XIII Inspection of Records
Both MARC and the Ceding Company will have the right to inspect
all books, records, and documents relating to the reinsurance
under this agreement. Both parties will have the right to make
such inspections at any reasonable time at the office of the
other party with prior reasonable notice.
8
Article XIV Insolvency
1. If the Ceding Company becomes insolvent, MARC will pay all
reinsurance directly to the liquidator, receiver or statutory
successor without reduction because of the insolvency. The
liquidator, receiver, or statutory successor will give MARC
written notice of any pending claims on policies reinsured
hereunder. Such notice will be given within a reasonable time
after a claim is filed in the insolvency proceeding.
2. While any such claim is pending, MARC may investigate the claim
and interpose in the name of the Ceding Company (its liquidator,
receiver, or statutory successor) at its own expense in the
proceeding where such claim is to be adjudicated. Any expense
thus incurred by MARC will be chargeable, subject to court
approval, against the Ceding Company as part of the expense of
liquidation. Where two or more reinsurers are participating in
the same claim and a majority in interest elects to interpose a
defense or defenses to any such claim, the expense will be
apportioned in accordance with the terms of the reinsurance
agreements as though the Ceding Company had incurred such
expense.
3. In the event MARC becomes insolvent, the Ceding Company shall
have the right, but not the obligation, to recapture without
recapture penalty, fee or charge, all reinsurance in force under
this agreement by promptly providing MARC, or its rehabilitator,
conservator, liquidator or statutory successor with written
notice of the recapture. If the Ceding Company unilaterally
terminates the reinsurance, MARC, its rehabilitator, conservator,
liquidator, or statutory successor will remain liable for any
outstanding payments incurred prior to the date of termination.
The effective date of recapture must be within 120 days of the
date on which the Ceding Company receives written notification
from MARC on insolvency.
Article XV Arbitration
1. Any controversy or claim arising hereunder between the Ceding
Company and MARC relating to the policies covered under this
Agreement, or the breach thereof, shall be settled by arbitration
in accordance with the CPR Institute for Dispute Resolution Rules
of Non-Administered Arbitration. Arbitration proceedings shall
take place in the city of the complainant's location. Except as
may be required by law, neither party nor an arbitrator may
disclose the existence, content, status or results of any
arbitration hereunder without the prior written consent of both
parties.
9
2. Unless the arbitrators decide otherwise, each party will bear the
expense of its own arbitration, including its arbitrator and
outside attorney fees and will jointly and equally bear with the
other party the expense of any third arbitrators.
3. Judgement upon the award rendered by the arbitrator(s) may be
entered in any court having jurisdiction thereof.
4. It is specifically the intent of both parties that these
arbitration provisions will replace and be in lieu of any
statutory arbitration provision, if the law so permits.
Article XVI Parties to Agreement; Entire Agreement
1. This is an agreement solely between the Ceding Company and MARC.
MARC's acceptance of reinsurance hereunder will not create any
right or legal relationship whatsoever between MARC and the
insured or beneficiary under any policy that may be reinsured
hereunder.
2. This agreement represents the entire agreement between MARC and
the Ceding Company concerning the business reinsured hereunder.
There are no understandings between MARC and the Ceding Company
other than as expressed in this agreement.
3. Any change or modification of this agreement will be null and
void unless made by an amendment to the agreement and signed by
both MARC and the Ceding Company.
Article XVII Duration of Agreement; Termination
1. The duration of this agreement will be unlimited. However, either
party to this agreement may terminate it at any time, for new
business only, by giving thirty days' notice in writing to the
other party. MARC will continue to accept reinsurance during the
thirty-day period and will remain liable on all reinsurance
already placed in force under the terms of this agreement until
such contracts are terminated between the original insured and
the Ceding Company.
2. The payment of reinsurance premiums is a condition precedent to
the liability of MARC for reinsurance under this agreement. In
the event reinsurance premiums are not paid when due, MARC will
have the right to terminate all reinsurance coverage of all
policies on which reinsurance premiums are in arrears. If MARC
elects to exercise this right of termination, it will give the
Ceding Company thirty days' written notice of its intention to
terminate said reinsurance. Such notice will be sent by certified
mail, return
10
receipt requested. The Ceding Company will have until the end of
the thirty-day period to pay any premiums that are in arrears. If
all the reinsurance premiums that are in arrears are not paid by
the end of the thirty-day period, including any that came to be
in arrears during the thirty-day period, MARC will be relieved of
all liability under those policies as of the last date for which
premiums have been paid for each policy. The reinsurance of
policies on which reinsurance premiums subsequently become due
will automatically terminate as of the last date for which
premiums have been paid for each policy, unless the reinsurance
premiums on those policies are paid when due. Terminated
reinsurance may be reinstated, subject to MARC's approval, within
thirty days of the date of termination, upon payment of all
reinsurance premiums in arrears. MARC will have no liability for
any claims incurred between the date of termination and the date
of reinstatement of the reinsurance. The right to terminate
reinsurance will not prejudice MARC's right to collect premiums
for the period during which reinsurance was in force.
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Article XVIII Effective Date; Execution
The said GE Life and Annuity Assurance Company, Richmond,
Virginia, and the said Munich American Reassurance Company,
Atlanta, Georgia, declare that this agreement and all its terms
will be effective as of October 1, 2000, and will apply to all
eligible policies applied for on and after such date, even though
such policies may have been backdated for up to six months to
save age. In witness whereof they have by their officers executed
and delivered this agreement in duplicate.
GE Life and Annuity Assurance Company
By /s/ Illegible
-----------------------------------
Title: SVP
Attest /s/ Illegible Date 4/26/01
-----------------------------
Munich American Reassurance Company
By /s/ Illegible
-----------------------------------
Title: Associate Actuary
Attest /s/ Illegible Date 5/9/01
-----------------------------
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Exhibit I
Reinsurance Submission Form
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FACULTATIVE-AUTOMATIC SUBMISSION
ORIGINAL-ADDITIONAL-MIB Inquiry Only
Ceding Co. : Munich American Reassurance Company
------------- ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇
Address : Telephone: (▇▇▇) ▇▇▇-▇▇▇▇
------------- Telefax : (▇▇▇) ▇▇▇-▇▇▇▇
Underwriters Name: DATE:
----------------- -------------
Underwriting Area:
-----------------
====================================================================================================================================
Insured's Name (Lst, Fst, M) Policy Number : Original Pol No. :
------------------------- -------------------- -------------------
Date of Birth: Issue Age: Sex: Policy Date : Original Pol Date:
----------- ----- ----- -------------------- -------------------
Birth State: Birth Country: Reins Eff Date: Original Iss Age :
-------------- ------------ -------------------- -------------------
Reside State: Reside Country: Continuation: Duration:
------------- ----------- -------- ------
Occupation: Policy Certificate ID:
------------------------------------------ -------------
Second Insured's Name:
-------------------------------
Date of Birth: Issue Age: Sex:
------------ ------- ----
------------------------------------------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------
LIFE WPD ADB
Plan Name: Smoker Code: -------------------------------------------------------------------------------
-------- --------- Previous In Force
------------------------------------------------------
Rider Name: Smoker Code: Previous Retained
------- --------- ------------------------------------------------------
Issued This Policy
Life Rates: ------------------------------------------------------
----------------------------- Retained This Policy
------------------------------------------------------
Reserve Basis: Reinsured Amount
-------------------------- ------------------------------------------------------
-------------------------------------------------------------------------------
---------------------- ------------------------------------------------------
Inforce Policies:
Policy Amount ------------------------------------------------------
Benefit 1 : Ben 1 Rating : Year Age At Risk Policy Number Issue Amount Retained Amount
---- -------- ---------------------- ------------------------------------------------------
Benefit 2 : Ben 2 Rating :
---- -------- ---------------------- ------------------------------------------------------
Benefit 3 : Ben 3 Rating :
---- -------- ---------------------- ------------------------------------------------------
Benefit 4 : Ben 4 Rating :
---- -------- ---------------------- ------------------------------------------------------
Benefit 5 : Ben 5 Rating :
---- -------- ---------------------- ------------------------------------------------------
Flat Extra 1: Flat Ex 1 Dur: ---------------------- ------------------------------------------------------
---- --------
Flat Extra 2: Flat Ex 2 Dur: ---------------------- ------------------------------------------------------
---- --------
---------------------- ------------------------------------------------------
Comments:
-----------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
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Submission Type: Fac. Auto
------ -------
Original Submission Date: ===============================================================================
-------------- Submitted File Includes:
Offer Accepted Date: ===============================================================================
------------------- Application X-Ray
Withdrawal Date: -------------------------------------------------------------------------------
----------------------- Medical Examination Other Medical Underwriting Data
-------------------------------------------------------------------------------
----------------------------------------------- Blood Profile Inspection Report
Circle Withdrawal Reason: -------------------------------------------------------------------------------
Heart Chart Additional Inspection Report
1. Underwriting Not Complete -------------------------------------------------------------------------------
Attending Physician's Report Aviation Questionnaire
2. Policy Not Delivered -------------------------------------------------------------------------------
Microscopic Urinalysis Other Non-medical Data
3. All Within Our Retention -------------------------------------------------------------------------------
Electrocardiogram
4. Placed With Automatic Reinsurer ===============================================================================
5. Placed With Another Reinsurer:
a) Rating b) Requirements c) Quicker Response
-----------------------------------------------
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Exhibit II
Limits and Special Conditions for the First Excess
The First Excess of the Ceding Company to be automatically covered under this
agreement, including previous reinsurances ceded to MARC by the Ceding Company
on the same life, is the amount of death benefit provided by a policy minus the
account value that is included in the death benefit at issue and minus the
Ceding Company's retention as shown in Exhibit III. The following limitations
apply:
1. Policy Forms
All amounts of new, direct agency issues of individual life insurance above the
Ceding Company's retention limits on the following policy plan:
Flexible Premium Variable Life Insurance, Form No. P1254DP 4/00
2. Jumbo Limits
Automatic coverage of any risk will be granted only if, according to the Ceding
Company's papers, the total amount in force and applied for on the same life
with all insurance companies does not exceed the applicable amounts shown below:
Life (with or without waiver of premium): $30,000,000 through ages 75
$ 5,000,000 for ages 76 through 90
3. Binding Limits
a. Life Insurance
(i) Standard and substandard risks written by the Ceding Company in
the United States, up to and including tables below:
Ages Table
----- -------
20-69 Table 8 (300%)
70-85 Table 6 (250%)
86-90 Table 2 (150%)
(ii) The Total Issue Amount is $30,000,000. MARC's 25% share less the
Ceding Company's retention shall not exceed $7,250,000 on any one
life. For issue ages 76 through 90, the maximum may not exceed
$725,000 on any one life. If the joint life option is utilized,
the younger of the joint ages will be used to determine the
automatic binding.
(iii) The maximum amount of the single premium will be as follows:
Ages Maximum Single Premium
----- ----------------------
0-20 $ 30,000
21-45 $ 50,000
46-90 $150,000
Exhibit II
(continued)
The Ceding Company's regular underwriting requirements will apply to
amounts over the above maximums.
Automatic reinsurance is provided for increases resulting from changes
in existing insurance coverage as provided in the policy, as long as
such coverage qualifies as life insurance according to U.S. federal
income tax laws and regulations, subject however to the automatic
coverage limits defined herein. Increases above the automatic coverage
limits will be ceded facultatively.
b. Waiver of Premium Disability Benefits
Waiver of Premium Disability Benefits will not be reinsured hereunder
unless the Ceding company and MARC agree to include such benefits.
c. Accidental Death Benefits
Accidental death benefits will not be reinsured hereunder unless the
Ceding Company and MARC agree to include such benefits hereunder.
4. Supplementary Benefit Forms
Supplementary benefits to be covered automatically under this agreement will be
those provided by the following policy forms:
Exhibit III
Retention Limits of the Ceding Company
Issue Life Insurance
Ages Standard and Substandard
----- -------------------------
20-75 $1,000,000
76-90 100,000
If the joint life option is utilized, the younger of the joint ages will be used
to determine retention.
Exhibit IV
Life Reinsurance Premiums
1. Life reinsurance premiums for business ceded hereunder will be subject to
the following percentages of the attached Male and Female Mortality rate
schedules:
All Years
---------
Single Life 98%
Joint Life 110%
For the Joint Life version, the two single life rates will first be blended
according to the attached formula, with the 110% applied to the result of
the blending. The minimum Joint Life premium will be $.12 per $1,000.
2. Life reinsurance premiums will be calculated as follows:
a. For standard risks, by multiplying the Reinsurance Death Benefit by
the appropriate percentage of the cost of insurance as shown on the
attached schedules.
b. For substandard risks accepted subject to table ratings, by
multiplying the corresponding standard premiums by the applicable
rating factors from the table below:
Table Rating Rating Factor
------------ -------------
A (1) 1.25
B (2) 1.50
C (3) 1.75
D (4) 2.00
E (5) 2.25
F (6) 2.50
G (7) 2.75
H (8) 3.00
For Joint Life Plans, the ratings are to be applied prior to the
blending of the two single life rates according to the attached
formula.
Exhibit IV
(continued)
c. Life reinsurance premiums for substandard risks cannot be assigned
Temporary and Permanent flat extra premiums. Any extra mortality
concerns normally addressed by the assignment of flat extras should be
accounted for by the use of Tables 1-8.
3. Periodic listings to be sent to MARC by the Ceding Company in accordance
with Article II, "Mode of Notification and Cession", will identify male and
female single and joint life risks.
4. Reinsurances ceded on these rate schedules will be eligible for recapture
in accordance with Article XII after they have been in force for at least
ten years.
5. For any net amount at risk above age 100, the YRT premium will be based on
the age 100 rate (the last rate in the table).
June 2, 1999
COMMONWEALTH VARIABLE SL
CALCULATION OF MONTHLY COI RATES FROM ANNUAL MORTALITY RATES
INPUT:
m = years to maturity
= years until younger insured attains age 100
= 100 - min [issue age life # 1, issue age life # 2]
Q1//t// = annual mortality rates for life # 1 for t = 1 to m; Q1//t// includes
individual table ratings and annual individual flat extras
cap Q1//t// at 0.9
Example: base mortality rate of .00218 for life # 1 in policy year t (this rate
is stored in and read from the PDF)
Table 2, annual flat extra of $5 per 1000
a) Increase base rate by 25% per table and round to 6 decimals
(.00218)(1+.25(2)) = .003270
b) divide annual amount of flat extra per $1000 by 1000
5/1000 = .005
c) add a) plus b)
.003270+.005 = .008270
d) cap c) at .9
minimum of .9 and .008270 is .008270
Q1//t// equals .008270
Q2//t// = annual mortality rates for life # 2 for t = 1 to m; Q2//t// includes
individual table ratings and annual individual flat extras
cap Q2//t// at 0.9
Example above shows how to increase base mortality rates (read from
the PDF files) for individual table ratings and annual individual flat
extras
Cap current Q1 at guaranteed Q1
Cap current Q2 at guaranteed Q2
NOTE: For Q1 and Q2, when m extends beyond age 100, either:
1) for calculation of blended guaranteed coi rates, force in a rate of
0.9 as needed, or
2) for calculation of blended current coi rates, extend the attained age
99 rate for as many years as needed
1
CALCULATIONS:
TQ1//0// = 0
TQ1//t// = TQ1//t-1// + (1-TQ1//t-1//)(Q1//t//) for t = 1 to m
TQ2//0// = 0
TQ2//t// = TQ2//t-1// + (1-TQ2//t-1//)(Q2//t//) for t = 1 to m
TQ//t// = (TQ1//t//)(TQ2//t//) - (TQ1//t-1//)(TQ2//t-1//) for t = 1 to m
TP//0// = l
TP//t// = TP//t-1// - TQ//t// for t = 1 to m
Q//t// = 1 - TP//t///TP//t-1// for t = 1 to m; cap Q//t// at .9
P//t// = 1 - Q//t// for t = 1 to m
COI//t// = 1000(1-P//t///1/12/)/(P//t///1/12/) for t = 1 to m
Truncate to 5 places, cap at 83.33333. Once a monthly rate of 83.33333
occurs, force all higher attained age rates to 83.33333. The monthly
amount of any joint flat extra per 1000 is truncated to 6 places and
added to COI//t// after the cap is applied (the per 1000 monthly
amount of any joint flat extra is determined by dividing the annual
joint flat extra rate per 1000 by 12). Cap blended current COI at
blended guaranteed COI.
----------
To calculate annual mortality rates from COL rates:
Step 1: Subtract monthly amount of any joint flat extra per 1000 (truncated to 6
places) from COI//t//
Step 2: Q//t// = 1 - [1000/(1000+COl//t//)]/12/ for t = 1 to m
Step 3: Add annual amount of any joint flat extra to Q//t// (the joint flat
extra annual amount is the joint flat extra annual rate per 1000 divided
by 1000, truncated to 6 places); cap at .9
2
(Mortality for females Ages *20-85years)
X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 X+11
-- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000196 0.0002 0.000211 0.000216 0.000226 0.000225 0.000235 0.000239 0.00026 0.00027 0.000296
21 0.00019 0.0002 0.000205 0.000216 0.00022 0.000225 0.000235 0.000239 0.000255 0.000265 0.000312
22 0.000179 0.000189 0.000199 0.00021 0.00022 0.000225 0.000235 0.000245 0.000249 0.00027 0.000329
23 0.000179 0.000189 0.000205 0.000216 0.000226 0.00023 0.000246 0.00025 0.000271 0.000297 0.00035
24 0.000174 0.000189 0.000211 0.000221 0.000231 0.000247 0.000251 0.000272 0.000299 0.000319 0.000377
25 0.000174 0.000195 0.000217 0.000227 0.000242 0.000252 0.000273 0.0003 0.00032 0.000341 0.000415
26 0.000167 0.000195 0.000216 0.000237 0.000252 0.000273 0.0003 0.000321 0.000341 0.000372 0.000451
27 0.000166 0.000194 0.000226 0.000247 0.000274 0.0003 0.000321 0.000342 0.000356 0.000409 0.000499
28 0.000172 0.000198 0.000231 0.000263 0.00029 0.000321 0.000342 0.000357 0.000409 0.000462 0.000551
29 0.000176 0.000204 0.000241 0.000279 0.000311 0.000342 0.000357 0.00041 0.000462 0.00052 0.000614
30 0.000182 0.000214 0.000257 0.000294 0.000336 0.000357 0.00041 0.000462 0.00052 0.000577 0.000688
31 0.000192 0.000224 0.000272 0.000321 0.000358 0.00041 0.000463 0.000521 0.000578 0.000636 0.000772
32 0.000207 0.00024 0.000294 0.000353 0.000411 0.000464 0.000522 0.000579 0.000636 0.000699 0.000861
33 0.000212 0.00025 0.00031 0.000374 0.000442 0.000501 0.000575 0.000637 0.000699 0.000787 0.000939
34 0.000222 0.000267 0.000325 0.0004 0.000474 0.000548 0.000632 0.0007 0.000788 0.00087 0.001016
35 0.000232 0.000275 0.000339 0.000424 0.000508 0.000597 0.000691 0.000785 0.000868 0.000956 0.001091
36 0.000243 0.00029 0.00036 0.000455 0.000555 0.000655 0.00076 0.000864 0.000957 0.001054 0.001173
37 0.000257 0.00031 0.000379 0.000489 0.0006 0.000715 0.000824 0.000934 0.001042 0.00115 0.001252
38 0.000272 0.000341 0.000425 0.000551 0.000666 0.000787 0.000895 0.001009 0.001123 0.001231 0.001337
39 0.000293 0.000382 0.000471 0.000613 0.000733 0.000858 0.000972 0.00109 0.001203 0.001315 0.001427
40 0.000318 0.000423 0.000527 0.000674 0.000798 0.000933 0.001052 0.00117 0.001283 0.0014 0.001527
41 0.000345 0.000471 0.00058 0.000743 0.000872 0.001017 0.001136 0.00126 0.001372 0.001504 0.001637
42 0.000371 0.000518 0.000633 0.000811 0.000946 0.001102 0.00122 0.001348 0.001476 0.001614 0.001756
43 0.000403 0.000556 0.000681 0.000859 0.000999 0.001154 0.001283 0.001432 0.001571 0.001724 0.001891
44 0.00043 0.000592 0.000734 0.000901 0.001052 0.001207 0.001357 0.001516 0.001675 0.001849 0.002037
45 0.000456 0.00063 0.000782 0.000944 0.001105 0.00127 0.001431 0.001606 0.00179 0.001989 0.002199
46 0.000484 0.000668 0.000836 0.000982 0.001169 0.00133 0.001511 0.001717 0.001917 0.002143 0.002367
47 0.000511 0.000707 0.00089 0.001032 0.001235 0.001395 0.001607 0.001829 0.00206 0.002301 0.00255
48 0.000533 0.00074 0.000934 0.00108 0.001295 0.001486 0.00172 0.001972 0.002198 0.002454 0.002724
49 0.000562 0.000778 0.000974 0.00113 0.001365 0.001583 0.001843 0.002122 0.002347 0.002623 0.002903
50 0.000589 0.000818 0.001018 0.00119 0.001441 0.001691 0.001971 0.002287 0.002506 0.002792 0.003087
51 0.000617 0.000856 0.001073 0.001251 0.001517 0.001799 0.00211 0.002462 0.002671 0.002967 0.003277
52 0.000645 0.0009 0.001122 0.001316 0.001599 0.001912 0.00226 0.002649 0.002835 0.003147 0.003466
53 0.000678 0.000944 0.001187 0.001414 0.001718 0.002052 0.002416 0.002814 0.003032 0.003358 0.003683
54 0.000711 0.000994 0.001259 0.001516 0.001847 0.002203 0.002577 0.00298 0.003234 0.00357 0.003914
55 0.000745 0.001039 0.00133 0.001631 0.001982 0.002354 0.002743 0.003152 0.003447 0.003803 0.004162
56 0.000785 0.001089 0.001408 0.001752 0.00212 0.002511 0.002917 0.003325 0.003672 0.004048 0.004427
57 0.000819 0.001141 0.001486 0.001874 0.002268 0.002676 0.003091 0.003504 0.003913 0.004315 0.004713
58 0.000887 0.001241 0.001614 0.002022 0.002433 0.002851 0.003287 0.003726 0.004161 0.004583 0.005116
59 0.000954 0.001346 0.001753 0.002177 0.002604 0.003043 0.003501 0.003959 0.00442 0.004872 0.005561
60 0.001027 0.001459 0.001897 0.002343 0.002786 0.003246 0.003724 0.004215 0.004706 0.005183 0.006065
61 0.0011 0.00158 0.002046 0.002518 0.002982 0.003458 0.003961 0.004483 0.005005 0.005522 0.006639
62 0.001177 0.001701 0.00221 0.00271 0.003194 0.00369 0.00422 0.004772 0.005335 0.005904 0.007303
63 0.001244 0.001785 0.002315 0.002836 0.003347 0.003875 0.004436 0.005052 0.005698 0.006392 0.007905
64 0.001316 0.001874 0.002425 0.002968 0.003505 0.004066 0.00468 0.005363 0.006114 0.006954 0.008591
65 0.001389 0.001963 0.002536 0.003106 0.00367 0.004273 0.004944 0.005712 0.006595 0.007596 0.009377
66 0.001466 0.002055 0.002656 0.003247 0.003843 0.004498 0.005244 0.006112 0.007136 0.008335 0.010261
67 0.001548 0.002153 0.002776 0.003399 0.004037 0.004756 0.005581 0.006564 0.007751 0.009175 0.011254
68 0.001679 0.002339 0.003026 0.003724 0.004442 0.005261 0.006207 0.007331 0.00869 0.010316 0.012554
69 0.001828 0.002553 0.003315 0.004097 0.004917 0.005853 0.00693 0.008216 0.009767 0.011616 0.01401
70 0.001993 0.002793 0.003647 0.004531 0.005467 0.006535 0.007769 0.009239 0.010998 0.013084 0.015756
71 0.002182 0.003074 0.004034 0.005038 0.006105 0.007325 0.008734 0.010405 0.012385 0.014713 0.017676
72 0.002401 0.003401 0.004486 0.005627 0.006844 0.008234 0.009836 0.011718 0.013927 0.016506 0.019772
73 0.002656 0.003781 0.005009 0.006307 0.007694 0.009274 0.011077 0.013178 0.015625 0.018463 0.022042
74 0.002953 0.004222 0.005616 0.007089 0.008665 0.010444 0.012457 0.014783 0.017477 0.020583 0.024488
75 0.003298 0.004733 0.006312 0.007985 0.009758 0.011745 0.013975 0.016536 0.019484 0.022867 0.027109
76 0.003697 0.005321 0.007109 0.008992 0.010974 0.013176 0.015632 0.018435 0.021645 0.025314 0.029904
77 0.004156 0.005992 0.008007 0.010112 0.012311 0.014738 0.017427 0.02048 0.023962 0.027925 0.032875
78 0.004681 0.006748 0.009003 0.011344 0.01377 0.01643 0.019361 0.022672 0.026433 0.030699 0.036022
79 0.005271 0.007589 0.0101 0.012689 0.015352 0.018253 0.021433 0.02501 0.02906 0.033637 0.039343
80 0.005928 0.008514 0.011298 0.014146 0.017055 0.020207 0.023643 0.027495 0.031841 0.036738 0.042839
81 0.006651 0.009523 0.012595 0.015716 0.01888 0.022291 0.025992 0.030126 0.034776 0.040003 0.046511
82 0.007439 0.010616 0.013993 0.017398 0.020828 0.024505 0.02848 0.032904 0.037867 0.043432 0.050358
83 0.008293 0.011795 0.015491 0.019192 0.022897 0.02685 0.031105 0.035828 0.041112 0.047024 0.054379
84 0.009213 0.013057 0.017088 0.021099 0.025088 0.029326 0.03387 0.038899 0.044512 0.050779 0.058577
85 0.010199 0.014403 0.018786 0.023118 0.027401 0.031932 0.036773 0.042116 0.048068 0.054699 0.062949
86 0.011251 0.015832 0.020587 0.02525 0.029832 0.034674 0.039814 0.045473 0.051784 0.058781 0.067487
87 0.012368 0.017347 0.022485 0.027494 0.032389 0.037541 0.042994 0.048983 0.05565 0.063027 0.072208
88 0.013552 0.018947 0.024483 0.02985 0.035068 0.04054 0.046312 0.052639 0.05967 0.067437 0.077105
89 0.014802 0.02063 0.026581 0.032319 0.037868 0.043668 0.049769 0.056441 0.063844 0.07201 0.082177
90 0.016117 0.022398 0.02878 0.0349 0.040791 0.046928 0.053364 0.06039 0.068174 0.076747 0.087424
X X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 X+22
-- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000311 0.000326 0.000346 0.000371 0.000407 0.000442 0.000488 0.000538 0.000598 0.00067 0.000751
21 0.000327 0.000347 0.000372 0.000408 0.000443 0.000489 0.00054 0.0006 0.000671 0.000752 0.000838
22 0.000349 0.000374 0.00041 0.000445 0.000491 0.000542 0.000603 0.000673 0.000754 0.00084 0.000927
23 0.000375 0.000412 0.000447 0.000493 0.000544 0.000605 0.000676 0.000757 0.000842 0.000929 0.001015
24 0.000413 0.000448 0.000495 0.000546 0.000607 0.000679 0.00076 0.000845 0.000931 0.001017 0.001108
25 0.00045 0.000497 0.000548 0.00061 0.000681 0.000763 0.000848 0.000934 0.001019 0.00111 0.001206
26 0.000498 0.00055 0.000611 0.000683 0.000765 0.000851 0.000937 0.001022 0.001112 0.001209 0.001304
27 0.000551 0.000613 0.000685 0.000767 0.000853 0.00094 0.001025 0.001115 0.00121 0.001306 0.001407
28 0.000614 0.000686 0.000768 0.000855 0.000942 0.001028 0.001118 0.001214 0.001308 0.001409 0.001516
29 0.000687 0.00077 0.000857 0.000944 0.00103 0.001121 0.001217 0.001312 0.001411 0.001518 0.00164
30 0.000771 0.000858 0.000946 0.001032 0.001123 0.00122 0.001315 0.001415 0.00152 0.001642 0.001774
31 0.00086 0.000948 0.001034 0.001126 0.001223 0.001318 0.001419 0.001524 0.001644 0.001776 0.001918
32 0.000949 0.001035 0.001127 0.001224 0.00132 0.00142 0.001526 0.001646 0.001778 0.00192 0.002088
33 0.001026 0.001118 0.001225 0.001321 0.001421 0.001527 0.001647 0.00178 0.001922 0.00209 0.002273
34 0.001108 0.00121 0.001317 0.001422 0.001528 0.001648 0.001781 0.001924 0.002092 0.002275 0.002479
35 0.001193 0.001289 0.001417 0.001522 0.001649 0.001782 0.001925 0.002094 0.002277 0.002481 0.002701
36 0.00129 0.001382 0.001525 0.001646 0.001783 0.001926 0.002094 0.002278 0.002482 0.002701 0.00294
37 0.001359 0.001471 0.00164 0.001776 0.001923 0.002091 0.002274 0.002478 0.002697 0.002936 0.0032
38 0.001449 0.001571 0.001754 0.001896 0.002088 0.002271 0.002475 0.002694 0.002932 0.0032 0.003488
39 0.001549 0.001676 0.001874 0.002036 0.002269 0.002472 0.002691 0.002932 0.0032 0.003488 0.003792
40 0.001654 0.00179 0.00202 0.002191 0.002469 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116
41 0.001773 0.001925 0.002185 0.002361 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461
42 0.001914 0.002076 0.002361 0.002546 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825
43 0.002064 0.002246 0.002551 0.002768 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222
44 0.00223 0.002428 0.002774 0.003016 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654
45 0.002407 0.002625 0.003012 0.003279 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127
46 0.0026 0.002843 0.003265 0.003553 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647
47 0.002809 0.003077 0.003535 0.003847 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218
48 0.002998 0.003271 0.003749 0.004064 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846
49 0.003187 0.003474 0.003967 0.004281 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846 0.008556
50 0.003381 0.003678 0.004185 0.004514 0.005654 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368
51 0.00358 0.003886 0.004414 0.004752 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309
52 0.003785 0.004106 0.004657 0.005005 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406
53 0.004036 0.004398 0.00501 0.005418 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681
54 0.004303 0.004711 0.0054 0.005868 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163
55 0.004592 0.005049 0.00582 0.006364 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876
56 0.004902 0.005421 0.006283 0.006923 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846
57 0.005239 0.005824 0.006804 0.007564 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201
58 0.005671 0.006301 0.00735 0.00818 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635
59 0.006162 0.00684 0.007985 0.008889 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454
60 0.00672 0.007464 0.008714 0.009701 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557
61 0.007365 0.008178 0.009556 0.010637 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942
62 0.00811 0.009014 0.010522 0.011697 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561
63 0.008792 0.009792 0.011457 0.012778 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956
64 0.009569 0.01067 0.012502 0.013977 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795
65 0.010441 0.011646 0.01365 0.01527 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795 0.048312
66 0.011421 0.012726 0.014891 0.016639 0.028557 0.031942 0.03561 0.03956 0.043795 0.048312 0.053111
67 0.012499 0.013888 0.016199 0.018075 0.031942 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193
68 0.013949 0.015619 0.018156 0.02022 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356
69 0.015688 0.017522 0.02031 0.02254 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208
70 0.017599 0.019597 0.02264 0.025041 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139
71 0.019685 0.021847 0.025152 0.027721 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354
72 0.021945 0.024271 0.027844 0.03058 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851
73 0.02438 0.026868 0.030715 0.033618 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632
74 0.026989 0.029639 0.033767 0.036835 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694
75 0.029773 0.032584 0.036998 0.040232 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041
76 0.032731 0.035702 0.04041 0.043807 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667
77 0.035863 0.038994 0.044001 0.047561 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582
78 0.03917 0.04245 0.047772 0.051495 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777
79 0.042651 0.046099 0.051723 0.055608 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255
80 0.046306 0.049911 0.055854 0.0599 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255
81 0.050137 0.053898 0.060165 0.06437 0.109041 0.11667 0.124582 0.132777 0.141255
82 0.05414 0.058057 0.064656 0.069021 0.11667 0.124582 0.132777 0.141255
83 0.058319 0.062391 0.069326 0.073849 0.124582 0.132777 0.141255
84 0.062672 0.066897 0.074177 0.078858 0.132777 0.141255
85 0.067199 0.071579 0.079207 0.084045 0.141255
86 0.071911 0.076432 0.084406 0.089424
87 0.076788 0.08146 0.089795
88 0.081839 0.086661
89 0.087064
90
X X+23 X+24 X+25 Ultimate
-- -------- -------- -------- --------
20 0.000837 0.000923 0.001008 0.001101
21 0.000925 0.00101 0.001101 0.001199
22 0.001012 0.001103 0.001199 0.001296
23 0.001105 0.001202 0.001296 0.001399
24 0.001204 0.001299 0.001399 0.001508
25 0.001302 0.001402 0.001508 0.001631
26 0.001405 0.001511 0.001631 0.001765
27 0.001513 0.001634 0.001765 0.001909
28 0.001637 0.001768 0.001909 0.002078
29 0.001771 0.001912 0.002078 0.002264
30 0.001915 0.002082 0.002264 0.002469
31 0.002085 0.002267 0.002469 0.002691
32 0.00227 0.002473 0.002691 0.002932
33 0.002476 0.002695 0.002932 0.0032
34 0.002698 0.002936 0.0032 0.003488
35 0.00294 0.003204 0.003488 0.003792
36 0.003204 0.003488 0.003792 0.004116
37 0.003488 0.003792 0.004116 0.004461
38 0.003792 0.004116 0.004461 0.004825
39 0.004116 0.004461 0.004825 0.005222
40 0.004461 0.004825 0.005222 0.005654
41 0.004825 0.005222 0.005654 0.006127
42 0.005222 0.005654 0.006127 0.006647
43 0.005654 0.006127 0.006647 0.007218
44 0.006127 0.006647 0.007218 0.007846
45 0.006647 0.007218 0.007846 0.008556
46 0.007218 0.007846 0.008556 0.009368
47 0.007846 0.008556 0.009368 0.010309
48 0.008556 0.009368 0.010309 0.011406
49 0.009368 0.010309 0.011406 0.012681
50 0.010309 0.011406 0.012681 0.014163
51 0.011406 0.012681 0.014163 0.015876
52 0.012681 0.014163 0.015876 0.017846
53 0.014163 0.015876 0.017846 0.0201
54 0.015876 0.017846 0.0201 0.022635
55 0.017846 0.0201 0.022635 0.025454
56 0.0201 0.022635 0.025454 0.028557
57 0.022635 0.025454 0.028557 0.031942
58 0.025454 0.028557 0.031942 0.03561
59 0.028557 0.031942 0.03561 0.03956
60 0.031942 0.03561 0.03956 0.043795
61 0.03561 0.03956 0.043795 0.048312
62 0.03956 0.043795 0.048312 0.053111
63 0.043795 0.048312 0.053111 0.058193
64 0.048312 0.053111 0.058193 0.06356
65 0.053111 0.058193 0.06356 0.069208
66 0.058193 0.06356 0.069208 0.075139
67 0.06356 0.069208 0.075139 0.081354
68 0.069208 0.075139 0.081354 0.087851
69 0.075139 0.081354 0.087851 0.094632
70 0.081354 0.087851 0.094632 0.101694
71 0.087851 0.094632 0.101694 0.109041
72 0.094632 0.101694 0.109041 0.11667
73 0.101694 0.109041 0.11667 0.124582
74 0.109041 0.11667 0.124582 0.132777
75 0.11667 0.124582 0.132777 0.141255
76 0.124582 0.132777 0.141255
77 0.132777 0.141255
78 0.141255
79
80
81
82
83
84
85
86
87
88
89
90
* Less than
(Mortality for females Age *20years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000614 0.000218 0.000191 0.000165 0.000145 0.000132 0.000119 0.000106 0.000099 0.000099 0.000106
1 0.000224 0.000191 0.000172 0.000152 0.000132 0.000119 0.000106 0.000106 0.000099 0.000106 0.000112
2 0.000185 0.000172 0.000152 0.000139 0.000119 0.000106 0.000106 0.000106 0.000106 0.000119 0.000132
3 0.000158 0.000158 0.000139 0.000125 0.000112 0.000106 0.000106 0.000106 0.000119 0.000132 0.000145
4 0.000145 0.000145 0.000125 0.000112 0.000112 0.000106 0.000112 0.000119 0.000132 0.000152 0.000172
5 0.000132 0.000132 0.000112 0.000112 0.000112 0.000112 0.000125 0.000139 0.000152 0.000178 0.000198
6 0.000125 0.000119 0.000112 0.000112 0.000119 0.000125 0.000139 0.000152 0.000178 0.000198 0.000218
7 0.000112 0.000119 0.000112 0.000119 0.000125 0.000145 0.000158 0.000185 0.000205 0.000218 0.000238
8 0.000106 0.000119 0.000119 0.000132 0.000145 0.000158 0.000185 0.000205 0.000224 0.000244 0.000257
9 0.000106 0.000125 0.000132 0.000152 0.000165 0.000191 0.000211 0.000231 0.000244 0.000257 0.000264
10 0.000106 0.000139 0.000152 0.000165 0.000198 0.000218 0.000231 0.000251 0.000264 0.000271 0.000277
11 0.000112 0.000158 0.000172 0.000198 0.000218 0.000238 0.000257 0.000271 0.000277 0.000284 0.000284
12 0.000119 0.000172 0.000205 0.000224 0.000244 0.000264 0.000277 0.000284 0.000284 0.000284 0.00029
13 0.000139 0.000198 0.000224 0.000238 0.000257 0.000271 0.000277 0.000284 0.00029 0.00029 0.00029
14 0.000165 0.000211 0.000238 0.000251 0.000264 0.000271 0.000277 0.000277 0.000297 0.00029 0.00029
15 0.000185 0.000224 0.000244 0.000257 0.000264 0.000271 0.000271 0.000277 0.000297 0.00029 0.00029
16 0.000211 0.000238 0.000244 0.000257 0.000257 0.000257 0.000264 0.000264 0.000297 0.00029 0.00029
17 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000297 0.00029 0.00029
18 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000284 0.00029
19 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000277 0.000297
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000112 0.000125 0.000145 0.000165 0.000185 0.000205 0.000224 0.000238 0.000244 0.000251 0.000251
1 0.000132 0.000145 0.000172 0.000191 0.000205 0.000224 0.000238 0.000244 0.000251 0.000257 0.000257
2 0.000145 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000257 0.000264 0.000257
3 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000264 0.000264 0.000264 0.000257
4 0.000191 0.000211 0.000231 0.000244 0.000251 0.000264 0.000264 0.000264 0.000264 0.000264 0.000257
5 0.000218 0.000238 0.000251 0.000257 0.000264 0.000264 0.000271 0.000264 0.000264 0.000264 0.000257
6 0.000238 0.000251 0.000257 0.000264 0.000271 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257
7 0.000251 0.000264 0.000271 0.000271 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257
8 0.000264 0.000271 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264
9 0.000277 0.000277 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264
10 0.000277 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000271 0.000271 0.000277
11 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000271 0.000271 0.000277 0.00029
12 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000277 0.000271 0.000284 0.00029 0.000304
13 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.000277 0.000284 0.000297 0.00031 0.000323
14 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.00029 0.000297 0.00031 0.00033 0.00035
15 0.000284 0.000284 0.000277 0.000284 0.000284 0.00029 0.000304 0.000317 0.00033 0.000356 0.000383
16 0.000284 0.000284 0.000284 0.000284 0.000297 0.000304 0.000317 0.000337 0.000363 0.000383 0.000416
17 0.000284 0.00029 0.00029 0.000297 0.000304 0.000317 0.000337 0.000363 0.000389 0.000422 0.000455
18 0.00029 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000389 0.000429 0.000462 0.000502
19 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000396 0.000429 0.000469 0.000508 0.000561
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
0 0.000257 0.000251 0.000251 0.000251
1 0.000257 0.000251 0.000251 0.000251
2 0.000257 0.000251 0.000251 0.000251
3 0.000257 0.000251 0.000251 0.000251
4 0.000257 0.000251 0.000251 0.000251
5 0.000257 0.000251 0.000257 0.000257
6 0.000257 0.000257 0.000257 0.000264
7 0.000264 0.000257 0.000271 0.000277
8 0.000264 0.000271 0.000277 0.00029
9 0.000277 0.000284 0.000297 0.00031
10 0.000284 0.000297 0.000317 0.000337
11 0.000304 0.000317 0.000343 0.000363
12 0.000323 0.000343 0.00037 0.000403
13 0.00035 0.000376 0.000403 0.000442
14 0.000376 0.000409 0.000442 0.000482
15 0.000416 0.000449 0.000488 0.000541
16 0.000455 0.000495 0.000541 0.000601
17 0.000502 0.000548 0.000601 0.00066
18 0.000554 0.000607 0.000667 0.000719
19 0.000614 0.000673 0.000726 0.000779
0.000845
0.000904
0.00097
0.00103
0.001096
0.001188
0.001287
0.001393
0.001511
0.00165
0.001802
0.00196
0.002138
0.00233
0.002541
0.002765
0.002996
0.003247
0.003518
0.003802
0.004118
0.004462
0.004844
0.00526
0.005716
0.00623
0.006824
0.007511
0.008309
0.00924
0.010316
0.01157
0.013002
0.014645
0.016493
0.018546
0.02081
0.023272
0.025945
0.028822
0.031911
0.035198
0.038696
0.042398
0.046312
0.050424
0.054747
0.059275
0.064007
0.06895
0.074098
0.079451
0.085008
0.09077
0.096743
0.10292
* Less than
(Mortality for males Ages 20-85 years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.00052 0.00054 0.000538 0.000536 0.000534 0.000521 0.000508 0.00049 0.000488 0.000492 0.000501
21 0.000469 0.000484 0.000483 0.000481 0.000479 0.000471 0.000465 0.000452 0.000461 0.000464 0.000484
22 0.000408 0.000423 0.000421 0.00042 0.000424 0.000422 0.000421 0.000419 0.000434 0.000449 0.000473
23 0.000408 0.000423 0.000416 0.000415 0.000413 0.000417 0.000421 0.000419 0.000434 0.000454 0.000484
24 0.000408 0.000412 0.000405 0.000403 0.000407 0.000417 0.000421 0.000424 0.000444 0.00047 0.000501
25 0.000402 0.0004 0.000399 0.000398 0.000407 0.000417 0.000421 0.00043 0.000455 0.000486 0.000516
26 0.000389 0.000388 0.000393 0.000396 0.000401 0.000415 0.000425 0.000445 0.000476 0.000512 0.000548
27 0.000377 0.000376 0.000386 0.00039 0.0004 0.00042 0.000441 0.000466 0.000496 0.000544 0.000579
28 0.000365 0.000375 0.00039 0.0004 0.000415 0.000441 0.000466 0.000497 0.000538 0.00058 0.000626
29 0.000358 0.000373 0.0004 0.000415 0.000441 0.000466 0.000497 0.000539 0.00058 0.000627 0.000683
30 0.000351 0.000372 0.000415 0.000441 0.000467 0.000498 0.000539 0.000581 0.000628 0.000684 0.000757
31 0.000345 0.000377 0.000431 0.000467 0.000498 0.00054 0.000582 0.000629 0.000685 0.000758 0.000841
32 0.000344 0.000388 0.000457 0.000499 0.000541 0.000582 0.000629 0.000686 0.000748 0.000842 0.000962
33 0.000343 0.000392 0.000478 0.00053 0.000583 0.00063 0.000687 0.000749 0.000843 0.000947 0.001066
34 0.000342 0.000397 0.000504 0.000568 0.000631 0.000687 0.00075 0.000844 0.000948 0.001067 0.001185
35 0.00034 0.000409 0.000532 0.000611 0.000684 0.000746 0.00084 0.000944 0.001064 0.001182 0.001333
36 0.000351 0.000425 0.000568 0.000669 0.000747 0.000841 0.000945 0.001065 0.001184 0.001334 0.001473
37 0.000359 0.000449 0.000614 0.000729 0.000839 0.000943 0.001063 0.001181 0.001332 0.00147 0.001613
38 0.000373 0.000474 0.000654 0.00078 0.000899 0.001009 0.001138 0.001267 0.001427 0.001591 0.00175
39 0.000393 0.000504 0.000704 0.00084 0.000965 0.001089 0.001224 0.001362 0.001533 0.001707 0.001896
40 0.000419 0.000539 0.000765 0.000911 0.001051 0.00117 0.001314 0.001458 0.001632 0.001827 0.002046
41 0.00045 0.000587 0.000839 0.001 0.001141 0.001269 0.001413 0.001557 0.001737 0.001952 0.002202
42 0.000487 0.000645 0.000929 0.001101 0.001246 0.001374 0.001513 0.001662 0.001836 0.002077 0.002375
43 0.000525 0.000725 0.001013 0.001211 0.001373 0.001511 0.001665 0.001814 0.001998 0.002255 0.002577
44 0.000572 0.00081 0.001114 0.001328 0.001504 0.001664 0.001818 0.001982 0.002176 0.002447 0.002791
45 0.000621 0.00091 0.00122 0.00145 0.001647 0.001822 0.001986 0.002165 0.002379 0.002645 0.003014
46 0.00068 0.001029 0.001328 0.001584 0.001791 0.001987 0.002172 0.002387 0.002565 0.002856 0.003266
47 0.00074 0.001153 0.001447 0.001719 0.001947 0.002174 0.002395 0.002563 0.002777 0.003094 0.003534
48 0.000795 0.001208 0.001508 0.001801 0.002061 0.002309 0.002561 0.00277 0.003035 0.003389 0.003922
49 0.000855 0.001253 0.001569 0.001878 0.002165 0.002439 0.002727 0.002993 0.003316 0.00372 0.004357
50 0.000911 0.001293 0.00162 0.001945 0.002274 0.002574 0.002905 0.003234 0.003634 0.004095 0.00485
51 0.000965 0.001327 0.001664 0.002006 0.002372 0.002709 0.003092 0.003499 0.003983 0.004505 0.005401
52 0.001021 0.00135 0.001694 0.002051 0.00247 0.002849 0.00329 0.003791 0.004368 0.004963 0.006009
53 0.001108 0.001476 0.001851 0.002256 0.002701 0.003128 0.003615 0.004158 0.004787 0.005464 0.006597
54 0.001202 0.001606 0.002024 0.002477 0.002965 0.003434 0.003978 0.004567 0.005237 0.005996 0.007238
55 0.001301 0.001759 0.002209 0.002726 0.003256 0.003777 0.004379 0.005014 0.005714 0.006577 0.007931
56 0.001412 0.001919 0.002424 0.003005 0.003583 0.004167 0.004821 0.005486 0.006232 0.007209 0.008697
57 0.001529 0.002103 0.00266 0.003317 0.003947 0.004584 0.00529 0.005997 0.006788 0.0079 0.009537
58 0.001609 0.002238 0.002936 0.003625 0.00434 0.004912 0.005634 0.006387 0.007213 0.008386 0.010074
59 0.001689 0.002373 0.003245 0.003955 0.004762 0.005252 0.005983 0.006788 0.007651 0.00889 0.010624
60 0.001765 0.00252 0.003584 0.004304 0.005223 0.005603 0.006345 0.007212 0.008109 0.009411 0.011174
61 0.001843 0.002664 0.003939 0.004669 0.005629 0.006213 0.006716 0.007646 0.008568 0.009926 0.011692
62 0.001916 0.002802 0.004328 0.005062 0.006242 0.006346 0.0071 0.008092 0.009033 0.010431 0.012179
63 0.002132 0.003149 0.004749 0.005671 0.006376 0.007133 0.00813 0.009075 0.010659 0.011833 0.013555
64 0.002369 0.003534 0.005205 0.006353 0.007168 0.008169 0.009119 0.010709 0.011888 0.013618 0.015084
65 0.002634 0.003968 0.005715 0.007117 0.008209 0.009163 0.010761 0.011945 0.013682 0.015155 0.017319
66 0.00292 0.004449 0.006265 0.007962 0.009202 0.010807 0.011997 0.013741 0.01522 0.017394 0.018244
67 0.003244 0.004985 0.006869 0.008899 0.010853 0.012048 0.0138 0.015286 0.01747 0.018208 0.020205
68 0.003574 0.005487 0.00756 0.009777 0.011894 0.013187 0.015106 0.016751 0.018287 0.019977 0.022162
69 0.003936 0.00604 0.0083 0.010709 0.013017 0.01444 0.016556 0.018366 0.020063 0.021916 0.024297
70 0.004331 0.006635 0.0091 0.011728 0.014253 0.01582 0.01815 0.02015 0.022011 0.024023 0.026569
71 0.004757 0.00727 0.009962 0.012839 0.015617 0.017346 0.019915 0.022104 0.024126 0.026299 0.029065
72 0.005213 0.007959 0.010906 0.014068 0.017123 0.019032 0.021846 0.024229 0.026413 0.028742 0.031677
73 0.005706 0.008713 0.01195 0.015424 0.018788 0.020878 0.023946 0.026525 0.028866 0.031325 0.034447
74 0.006247 0.009547 0.013102 0.016924 0.02061 0.022884 0.026215 0.028989 0.03146 0.034063 0.037496
75 0.006845 0.010467 0.014376 0.018565 0.022591 0.025053 0.02865 0.031593 0.03421 0.037079 0.040828
76 0.007504 0.011485 0.015769 0.020349 0.024731 0.02738 0.031224 0.034356 0.037239 0.040374 0.044443
77 0.008234 0.012599 0.017286 0.022278 0.027028 0.02984 0.033954 0.037397 0.040548 0.043949 0.048341
78 0.009033 0.01381 0.018923 0.024347 0.029457 0.032449 0.03696 0.04072 0.044137 0.047802 0.052521
79 0.009901 0.015119 0.020681 0.026535 0.032033 0.035321 0.040244 0.044325 0.048009 0.051936 0.05692
80 0.010839 0.016523 0.02254 0.028855 0.034869 0.038461 0.043808 0.048212 0.05216 0.056286 0.06146
81 0.011846 0.018007 0.02451 0.03141 0.037967 0.041866 0.04765 0.052381 0.056528 0.060776 0.066142
82 0.01291 0.019582 0.02668 0.0342 0.041328 0.045537 0.05177 0.056768 0.061038 0.065405 0.070964
83 0.01404 0.021316 0.029051 0.037228 0.044952 0.049475 0.056106 0.061296 0.065687 0.070175 0.075929
84 0.015282 0.023209 0.031623 0.040493 0.048839 0.053619 0.060581 0.065966 0.070476 0.075084 0.081034
85 0.01664 0.025264 0.034396 0.043995 0.05293 0.057895 0.065196 0.070776 0.075407 0.080132 0.086282
86 0.018113 0.027477 0.037375 0.04768 0.057144 0.062314 0.06995 0.075716 0.080488 0.085321 0.091657
87 0.019702 0.029852 0.040505 0.051483 0.061497 0.066858 0.074843 0.080808 0.0857 0.090649 0.097186
88 0.021405 0.032353 0.043736 0.055404 0.065981 0.071535 0.079876 0.08604 0.091052 0.096117 0.102856
89 0.023198 0.034933 0.047068 0.059444 0.070597 0.076345 0.085048 0.091414 0.096545 0.101725 0.108668
90 0.025048 0.037594 0.0505 0.063603 0.075344 0.081288 0.090359 0.096928 0.102178 0.107473 0.114621
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000504 0.000513 0.000538 0.000572 0.000618 0.000641 0.00067 0.00071 0.000754 0.000809 0.00088
21 0.000493 0.000513 0.000542 0.000589 0.000644 0.000673 0.000712 0.000757 0.000811 0.000882 0.000968
22 0.000488 0.000513 0.000553 0.00061 0.000676 0.000715 0.00076 0.000814 0.000883 0.00097 0.001072
23 0.000504 0.000534 0.000585 0.000642 0.000718 0.000763 0.000817 0.000887 0.000972 0.001074 0.001196
24 0.00052 0.000561 0.000623 0.000684 0.000766 0.00082 0.00089 0.000976 0.001076 0.001199 0.001335
25 0.000552 0.000598 0.000665 0.000731 0.000823 0.000894 0.00098 0.00108 0.001201 0.001338 0.001496
26 0.000584 0.00064 0.000717 0.000789 0.000896 0.000983 0.001084 0.001205 0.00134 0.001499 0.001677
27 0.000625 0.000692 0.00078 0.000862 0.000985 0.001087 0.001209 0.001345 0.001501 0.001679 0.001868
28 0.000682 0.000755 0.000853 0.000956 0.00109 0.001212 0.001348 0.001506 0.001682 0.001871 0.002079
29 0.000756 0.000838 0.000958 0.001071 0.001214 0.001352 0.00151 0.001686 0.001874 0.002082 0.002302
30 0.00084 0.000959 0.001073 0.00119 0.001355 0.001513 0.001691 0.001879 0.002085 0.002305 0.002543
31 0.000961 0.001075 0.001193 0.001332 0.001517 0.001695 0.001883 0.00209 0.002307 0.002547 0.002812
32 0.001076 0.001194 0.001333 0.001487 0.001697 0.001885 0.002093 0.00231 0.00255 0.002815 0.0031
33 0.00119 0.001334 0.001488 0.001662 0.001887 0.002094 0.002312 0.002552 0.002818 0.003104 0.003415
34 0.001335 0.001479 0.001657 0.001851 0.002096 0.002314 0.002554 0.00282 0.003107 0.003419 0.003755
35 0.001471 0.001641 0.00184 0.002054 0.002315 0.002556 0.002823 0.003109 0.003422 0.003759 0.004136
36 0.001645 0.001822 0.002042 0.002271 0.002557 0.002823 0.00311 0.003422 0.003759 0.004137 0.004549
37 0.001793 0.002013 0.002248 0.002503 0.002818 0.003105 0.003417 0.003754 0.004131 0.004543 0.005006
38 0.00196 0.002211 0.002481 0.002761 0.003101 0.003413 0.003749 0.004126 0.004537 0.005006 0.005531
39 0.002131 0.002423 0.002734 0.003038 0.003409 0.003745 0.004121 0.004537 0.005006 0.005531 0.006117
40 0.002318 0.002655 0.003006 0.00334 0.00374 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776
41 0.00252 0.002908 0.003311 0.00367 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776 0.007496
42 0.002738 0.003183 0.003642 0.004047 0.004537 0.005006 0.005531 0.006117 0.006776 0.007496 0.008268
43 0.002961 0.003432 0.003931 0.004381 0.005006 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111
44 0.003195 0.003706 0.004235 0.004753 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032
45 0.003454 0.004002 0.004572 0.005165 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046
46 0.003732 0.004324 0.00494 0.005615 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167
47 0.00404 0.004678 0.005344 0.006111 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402
48 0.004489 0.005151 0.005842 0.006596 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476
49 0.00499 0.005682 0.006371 0.007092 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241
50 0.00556 0.006255 0.006931 0.00762 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841
51 0.006187 0.006869 0.007533 0.008167 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549
52 0.00686 0.007536 0.008176 0.008751 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401
53 0.007561 0.008202 0.008778 0.009887 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428
54 0.008231 0.008807 0.009919 0.011157 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671
55 0.008838 0.009953 0.011195 0.012588 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146
56 0.009992 0.011237 0.012634 0.014181 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882
57 0.011147 0.012683 0.014068 0.015938 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882 0.033876
58 0.011714 0.01334 0.014814 0.016917 0.021401 0.023428 0.025671 0.028146 0.030882 0.033876 0.037132
59 0.012276 0.013977 0.015524 0.017922 0.023428 0.025671 0.028146 0.030882 0.033876 0.037132 0.040651
60 0.012802 0.014568 0.016225 0.018964 0.025671 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427
61 0.013281 0.015127 0.016917 0.020054 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427 0.048419
62 0.013714 0.015662 0.017604 0.021198 0.030882 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653
63 0.015109 0.01727 0.019589 0.023074 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314
64 0.017239 0.019051 0.021807 0.025112 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407
65 0.018389 0.02103 0.024265 0.0273 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407 0.067932
66 0.020306 0.023205 0.026974 0.029805 0.044427 0.048419 0.052653 0.057314 0.062407 0.067932 0.07389
67 0.022411 0.025586 0.029938 0.032131 0.048419 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279
68 0.024563 0.028011 0.032273 0.03502 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002
69 0.026893 0.030612 0.035175 0.038079 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942
70 0.029391 0.033365 0.038248 0.041452 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098
71 0.032031 0.036282 0.041633 0.045136 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098 0.10847
72 0.034832 0.039494 0.045332 0.049132 0.07389 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058
73 0.037916 0.043003 0.049346 0.053441 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058 0.123862
74 0.041285 0.04681 0.053673 0.058061 0.087002 0.093942 0.101098 0.10847 0.116058 0.123862 0.131882
75 0.04494 0.050916 0.058314 0.062925 0.093942 0.101098 0.10847 0.116058 0.123862 0.131882 0.140119
76 0.048881 0.055318 0.063198 0.067944 0.101098 0.10847 0.116058 0.123862 0.131882 0.140119 0.14857
77 0.053108 0.059951 0.06824 0.073119 0.10847 0.116058 0.123862 0.131882 0.140119 0.14857 0.157239
78 0.057556 0.064733 0.073438 0.078451 0.116058 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123
79 0.062147 0.069665 0.078793 0.083939 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224
80 0.066881 0.074744 0.084304 0.089583 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224
81 0.071757 0.079973 0.089973 0.095384 0.140119 0.14857 0.157239 0.166123 0.175224
82 0.076777 0.085351 0.095799 0.101341 0.14857 0.157239 0.166123 0.175224
83 0.08194 0.090877 0.101782 0.107454 0.157239 0.166123 0.175224
84 0.087246 0.096552 0.107922 0.113724 0.166123 0.175224
85 0.092695 0.102377 0.114218 0.120149 0.175224
86 0.0983 0.10835 0.120655 0.126749
87 0.104035 0.114472 0.127265
88 0.109913 0.120743
89 0.115935
90
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
20 0.000966 0.001068 0.001189 0.001327
21 0.00107 0.001191 0.001327 0.001487
22 0.001194 0.00133 0.001487 0.001667
23 0.001333 0.00149 0.001667 0.001858
24 0.001493 0.00167 0.001858 0.002068
25 0.001674 0.001861 0.002068 0.00229
26 0.001865 0.002072 0.00229 0.002531
27 0.002076 0.002294 0.002531 0.002799
28 0.002298 0.002536 0.002799 0.003087
29 0.00254 0.002803 0.003087 0.003401
30 0.002808 0.003092 0.003401 0.00374
31 0.003096 0.003406 0.00374 0.004121
32 0.003411 0.003746 0.004121 0.004537
33 0.003751 0.004127 0.004537 0.005006
34 0.004132 0.004543 0.005006 0.005531
35 0.004548 0.005012 0.005531 0.006117
36 0.005012 0.005531 0.006117 0.006776
37 0.005531 0.006117 0.006776 0.007496
38 0.006117 0.006776 0.007496 0.008268
39 0.006776 0.007496 0.008268 0.009111
40 0.007496 0.008268 0.009111 0.010032
41 0.008268 0.009111 0.010032 0.011046
42 0.009111 0.010032 0.011046 0.012167
43 0.010032 0.011046 0.012167 0.013402
44 0.011046 0.012167 0.013402 0.01476
45 0.012167 0.013402 0.01476 0.016241
46 0.013402 0.01476 0.016241 0.017841
47 0.01476 0.016241 0.017841 0.019549
48 0.016241 0.017841 0.019549 0.021401
49 0.017841 0.019549 0.021401 0.023428
50 0.019549 0.021401 0.023428 0.025671
51 0.021401 0.023428 0.025671 0.028146
52 0.023428 0.025671 0.028146 0.030882
53 0.025671 0.028146 0.030882 0.033876
54 0.028146 0.030882 0.033876 0.037132
55 0.030882 0.033876 0.037132 0.040651
56 0.033876 0.037132 0.040651 0.044427
57 0.037132 0.040651 0.044427 0.048419
58 0.040651 0.044427 0.048419 0.052653
59 0.044427 0.048419 0.052653 0.057314
60 0.048419 0.052653 0.057314 0.062407
61 0.052653 0.057314 0.062407 0.067932
62 0.057314 0.062407 0.067932 0.07389
63 0.062407 0.067932 0.07389 0.080279
64 0.067932 0.07389 0.080279 0.087002
65 0.07389 0.080279 0.087002 0.093942
66 0.080279 0.087002 0.093942 0.101098
67 0.087002 0.093942 0.101098 0.10847
68 0.093942 0.101098 0.10847 0.116058
69 0.101098 0.10847 0.116058 0.123862
70 0.10847 0.116058 0.123862 0.131882
71 0.116058 0.123862 0.131882 0.140119
72 0.123862 0.131882 0.140119 0.14857
73 0.131882 0.140119 0.14857 0.157239
74 0.140119 0.14857 0.157239 0.166123
75 0.14857 0.157239 0.166123 0.175224
76 0.157239 0.166123 0.175224
77 0.166123 0.175224
78 0.175224
79
80
81
82
83
84
85
86
87
88
89
90
(Mortality for males Ages *20years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000812 0.000482 0.000304 0.000264 0.000231 0.000205 0.000191 0.000165 0.000152 0.000152 0.000139
1 0.000323 0.000304 0.000264 0.000224 0.000172 0.000139 0.000125 0.000125 0.000132 0.000132 0.000145
2 0.000231 0.000238 0.000211 0.000172 0.000139 0.000132 0.000125 0.000139 0.000132 0.000152 0.000165
3 0.000231 0.000185 0.000158 0.000145 0.000132 0.000119 0.000125 0.000139 0.000152 0.000165 0.000205
4 0.000191 0.000165 0.000145 0.000139 0.000119 0.000132 0.000139 0.000152 0.000172 0.000198 0.000284
5 0.000165 0.000152 0.000139 0.000125 0.000132 0.000145 0.000158 0.000172 0.000205 0.000277 0.000356
6 0.000152 0.000145 0.000125 0.000139 0.000145 0.000158 0.000178 0.000205 0.000284 0.000363 0.000515
7 0.000125 0.000132 0.000139 0.000152 0.000165 0.000178 0.000205 0.000284 0.00037 0.000482 0.000574
8 0.000119 0.000139 0.000132 0.000165 0.000178 0.000211 0.00029 0.000376 0.000488 0.000581 0.000614
9 0.000125 0.000132 0.000152 0.000178 0.000211 0.000297 0.000383 0.000502 0.000587 0.00062 0.000647
10 0.000119 0.000145 0.000172 0.000218 0.000304 0.000396 0.000508 0.000601 0.000634 0.000653 0.000673
11 0.000132 0.000165 0.000218 0.00031 0.000403 0.000521 0.000614 0.000647 0.000667 0.00068 0.000706
12 0.000152 0.000205 0.000317 0.000409 0.000528 0.000627 0.00066 0.00068 0.000693 0.000713 0.000733
13 0.000198 0.000297 0.000403 0.000541 0.00064 0.000667 0.000693 0.0007 0.000693 0.000706 0.000713
14 0.00029 0.000383 0.000554 0.000653 0.00068 0.0007 0.000713 0.000706 0.000693 0.00068 0.000686
15 0.000383 0.000561 0.000667 0.000693 0.000713 0.000719 0.000719 0.0007 0.000673 0.00066 0.000647
16 0.000574 0.00068 0.000713 0.000726 0.000739 0.000713 0.000706 0.00068 0.000653 0.000627 0.000607
17 0.000693 0.000726 0.000739 0.000752 0.000733 0.000706 0.000693 0.00066 0.00062 0.000587 0.000574
18 0.00068 0.000713 0.000719 0.000713 0.000693 0.00066 0.000647 0.000614 0.000581 0.000554 0.000548
19 0.00066 0.00068 0.000673 0.000667 0.00064 0.00062 0.000594 0.000561 0.000541 0.000521 0.000528
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000152 0.000165 0.000198 0.000284 0.00035 0.000515 0.000581 0.000614 0.000653 0.000673 0.00068
1 0.000165 0.000205 0.000284 0.000356 0.000521 0.000587 0.00062 0.00066 0.00068 0.000693 0.000686
2 0.000198 0.00029 0.000356 0.000528 0.000587 0.000627 0.000667 0.000686 0.0007 0.000693 0.00068
3 0.000284 0.000363 0.000535 0.000594 0.000634 0.000673 0.000693 0.000706 0.0007 0.000693 0.000673
4 0.000356 0.000528 0.000587 0.00064 0.00068 0.0007 0.000713 0.000706 0.0007 0.00068 0.000653
5 0.000515 0.000581 0.000614 0.000686 0.000713 0.000719 0.000713 0.000706 0.000686 0.00066 0.000627
6 0.000574 0.000607 0.00064 0.000719 0.000726 0.000726 0.000713 0.000693 0.000667 0.000634 0.000607
7 0.000607 0.000634 0.000653 0.000733 0.000733 0.000719 0.0007 0.000673 0.00064 0.000614 0.000587
8 0.00064 0.00066 0.000686 0.000726 0.000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568
9 0.000667 0.000693 0.000713 0.000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568 0.000548
10 0.0007 0.000719 0.000719 0.000693 0.000667 0.00064 0.000607 0.000587 0.000568 0.000548 0.000528
11 0.000726 0.000726 0.000686 0.000667 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515
12 0.000733 0.000693 0.00066 0.000627 0.000601 0.000581 0.000561 0.000541 0.000528 0.000515 0.000508
13 0.0007 0.000667 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515 0.000515 0.000515
14 0.000673 0.000634 0.000614 0.000594 0.000574 0.000554 0.000535 0.000521 0.000515 0.000521 0.000528
15 0.000634 0.000601 0.000594 0.000581 0.000554 0.000541 0.000528 0.000521 0.000521 0.000528 0.000541
16 0.000607 0.000581 0.000574 0.000568 0.000548 0.000535 0.000528 0.000528 0.000535 0.000548 0.000568
17 0.000574 0.000561 0.000554 0.000554 0.000541 0.000535 0.000535 0.000541 0.000554 0.000568 0.000594
18 0.000548 0.000535 0.000535 0.000541 0.000541 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627
19 0.000515 0.000515 0.000515 0.000535 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627 0.000667
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
0 0.00068 0.000667 0.000653 0.000627
1 0.000673 0.00066 0.000634 0.000607
2 0.000667 0.00064 0.000614 0.000581
3 0.000647 0.000614 0.000587 0.000561
4 0.00062 0.000594 0.000568 0.000548
5 0.000601 0.000574 0.000554 0.000528
6 0.000581 0.000561 0.000535 0.000515
7 0.000568 0.000541 0.000521 0.000502
8 0.000541 0.000521 0.000508 0.000502
9 0.000528 0.000515 0.000508 0.000508
10 0.000515 0.000508 0.000508 0.000515
11 0.000515 0.000515 0.000515 0.000535
12 0.000515 0.000521 0.000535 0.000554
13 0.000521 0.000535 0.000554 0.000581
14 0.000541 0.000554 0.000581 0.000614
15 0.000561 0.000587 0.000614 0.000653
16 0.000587 0.00062 0.000653 0.0007
17 0.000627 0.00066 0.000706 0.000759
18 0.000667 0.000713 0.000766 0.000832
19 0.000713 0.000772 0.000838 0.000917
0.001016
0.001122
0.001247
0.001373
0.001505
0.00167
0.001841
0.002039
0.002251
0.002475
0.002726
0.003003
0.003307
0.00365
0.004033
0.004455
0.004937
0.005458
0.006026
0.00664
0.007306
0.008045
0.008864
0.009761
0.010751
0.011834
0.013002
0.014243
0.015596
0.017068
0.018704
0.020506
0.022499
0.024684
0.027053
0.029621
0.032373
0.035277
0.038366
0.041758
0.045467
0.049493
0.053836
0.058489
0.063393
0.068449
0.073663
0.079035
0.084559
0.090248
0.096089
0.102089
0.108253
0.114563
0.121037
0.12767
* Less than
Exhibit V
Accidental Death Reinsurance Premiums
Not Applicable
Exhibit VI
List of Risks Reinsured
Universal Life
A "List of Risks Reinsured," showing all renewing policies, should be prepared
and submitted monthly, quarterly, or annually according to the terms of the
agreement. At least once a year at the end of each year, the Ceding Company must
submit a list showing ALL risks reinsured under this agreement. Premiums due
should be included only for the period being reported. The information required
to be shown on such lists is set out below.
A. Policy number
B. Name of insured (minimum is surname and first initial; prefer to have
first name and middle initial as well.)
C. Sex
D. Date of birth (month, day, year)
E. Issue age
* F. Attained age
G. Policy date (month, day, year) or date of increase/decrease in
specified amount
H. Transaction code (in force)
1. First year, newly reported (i.e., new business)
2. First year, previously reported (i.e., renewal business in first
policy year)
3. Renewal
I. Substandard rating (table, mortality percentage, flat extra amount and
duration. Show multiple of standard for ADB or WPD.)
J. Plan or plan code (if more than one plan is covered by the agreement)
K. Underwriting class (smoker, nonsmoker, preferred, etc.)
L. Specified amount issued (life, ADB, WPD)
M. Death benefit option (i.e., cash value is included in specified amount
or additional to specified amount)
N. Reinsurance death benefit (or amount reinsured if ADB or WPD)
O. Reinsurance premium (life, ADB, WPD)
* P. Net cash amount due MARC (life, ADB, WPD)
*Desirable but not required
Exhibit VI
(continued)
There should be separate subtotals for all items listed below. Each subtotal
should include
Policy count (life--separately for new business, renewals, and
combined)
Reinsurance death benefit (separately for new business, renewals, and
combined)
Reinsurance premium (separately for first year, renewals and combined)
Net amount due MARC (separately for first year, renewals and combined)
It is not necessary to adhere strictly to the set of transaction codes shown
above as long as the appropriate subtotals and totals can be provided.
The various policy details including Reinsurance Death Benefit and proportion
reinsured for this policy shown on the "List of Risks Reinsured" should
correspond to the in force after any changes reported concurrently on the "List
of Amendments." We need a grand total each reporting period for policy count in
force and Reinsurance Death Benefit in force (separately for new business,
renewals, and combined). A separate total of ADB in force is needed. This need
not be separated into new business and renewals.
A grand total of reinsurance premium and net amount due MARC, including all in
force and amendments, should be shown (separately for first year, renewals, and
combined categories). Separate totals should be provided for life, ADB, and WPD.
This may be shown on the "List of Risks Reinsured" or may be included in a
separate summary.
Where premiums for more than one period are being reported on a single list, the
basic identification (policy number, name of insured, sex, date of birth, age,
and policy date) need be shown only one time on the first line for the policy.
Subsequent lines should each relate to a different period and the period
involved should be indicated.
Although an increase or decrease in specified amount will not, as a rule, result
in the issuance of a new policy, the amount of such increase or decrease should
be reported separately from the base specified amount so that differences in
premium rates can be reflected. For example, the amount of increase in specified
amount might involve a substandard rating that differs from the rating for the
base specified amount. In any such case, it might be a good idea to assign a
separate policy number suffix.
Any significant deviations from these reporting guidelines must be agreed to by
MARC.
Exhibit VII
List of Amendments
Universal Life
Each "List of Amendments" (monthly, quarterly, or annual) should show details
for each policy for which any transaction (see codes 4-12 below) occurred which
has an effect on either the Reinsurance Death Benefit or reinsurance premium.
The basic policy details to be shown include the following:
a. Policy number
b. Name of insured
c. Transaction code (changes to in force)
4. Termination without value
5. Policy not placed (NTO)
6. Surrender (full or partial)
7. Reinstatement
8. Increase in specified amount
9. Decrease in specified amount
10. Conversion or change of plan (e.g., Option A to Option B)
11. Death
12. Other (Please describe.)
d. Effective date of transaction
e. Net increase or decrease in Reinsurance Death Benefit from the Reinsurance
Death Benefit last reported to MARC before the change
f. Reinsurance premium adjustment (separately for first year/renewal)
g. Net adjustment due MARC (separately for first year/renewal)
Subtotals of policy count and Reinsurance Death Benefit should be provided for
each transaction code where the transaction is such that the life policy count
in force is altered by the transaction. For items g and h only grand totals are
required (separately for first year/renewal/combined).
The premium adjustments should include adjustments up to the current reporting
period (e.g., month, quarter). Premiums for the current reporting period should
appear on the "List of Risks Reinsured."
It is not necessary to adhere strictly to the set of transaction codes shown
above as long as the amendments are clearly identified and appropriate subtotals
and totals can be provided.
Exhibit VIII
In-Force Summary Form
SELF-ADMINISTERED LIFE REINSURANCE
Summary Report
For the Period through
---------------- ---------
To Munich American Reassurance Company
Account
Company Name Number
--------------------------- ---------------------------------
Treaty ID:
----------------------------
Plan ID:
------------------------------
Prepared By Date Phone
--------------------------- ------------- ---------------
I. Policy Exhibit Summary (Life Reinsurance Only)
================================================================================
Number of Amount of
Policies Reinsurance
--------------------------------------------------------------------------------
A. In Force As Of Last Report
--------------------------------------------------------------------------------
B. New Paid Reinsurance Ceded
--------------------------------------------------------------------------------
C. NTO
--------------------------------------------------------------------------------
D. Reinstatements
--------------------------------------------------------------------------------
E. Administrative New Business (Conversions, Etc.)
--------------------------------------------------------------------------------
F. Lapses
--------------------------------------------------------------------------------
G. Recaptures
--------------------------------------------------------------------------------
H. Surrenders (Coinsurance Only)
--------------------------------------------------------------------------------
I. Death
--------------------------------------------------------------------------------
J. Expiries
--------------------------------------------------------------------------------
K. Administrative Lapses
--------------------------------------------------------------------------------
L. Increase/Decrease XXXXXX
--------------------------------------------------------------------------------
M. In Force As Of Current Report
--------------------------------------------------------------------------------
N. ADB In Force As of Current Report XXXXXX
================================================================================
II. Accounting Summary
===================================================================================
Premiums Commissions
------------------------- ------------------------- Net Due
Category First Year Renewal Year First Year Renewal Year Other* MARC
-----------------------------------------------------------------------------------
Life
-----------------------------------------------------------------------------------
WP
-----------------------------------------------------------------------------------
ADB
-----------------------------------------------------------------------------------
-----------------------------------------------------------------------------------
Total
===================================================================================
* If more than one category is included (e.g., surrender benefits,
dividends), please show details on the reverse side of this form. RADF61
NOVATION AGREEMENT
This Novation Agreement is made effective as of January 1, 2002 among Munich
American Reassurance Company of Atlanta, Georgia (hereafter referred to as
"MARC"), GE Capital Life Assurance Company of New York (hereafter referred to as
the "Ceding Company") and Continental Assurance Company of Chicago, Illinois
(hereafter referred to as "Continental").
Whereas Continental, as a result of the sale of its Life Reinsurance Strategic
Business Unit, wishes to transfer and assign the reinsurance contracts and
treaties listed in Schedule A attached hereto (collectively, the "Reinsurance
Agreements") as of the Effective Date and all of Continental's rights, duties,
obligations and liabilities under each of the Reinsurance Agreements to MARC in
order that Continental will be relieved of all of its rights, duties,
obligations and liabilities under the Reinsurance Agreements; and
Whereas the Ceding Company wishes to consent and agree to such transfer and
assignment.
Now therefore in Consideration of the mutual covenants and agreements
hereinafter set forth, the parties hereto agree as follows:
1. Continental hereby transfers and assigns, as of the Effective Date, each of
the Reinsurance Agreements and all of Continental's rights, duties,
obligations and liabilities thereunder to MARC.
2. MARC hereby accepts such transfer and assignment and agrees with each of
Continental and the Ceding Company that MARC shall be bound by all of the
terms and conditions of the Reinsurance Agreements, shall enjoy all of
Continental's rights under and shall perform all of Continental's duties,
obligations and liabilities under the Reinsurance Agreements to the same
extent as if MARC had been the original party to the Reinsurance Agreements
instead of Continental.
3. The Ceding Company
a) consents to the transfer and assignment of the Reinsurance Agreements
and all of Continental's rights, duties, obligations and liabilities
thereunder from Continental to MARC, agrees that MARC shall enjoy and
shall be entitled to enforce all of Continental's rights under the
Reinsurance Agreements and agrees that all of Continental's duties,
obligations and liabilities under the Reinsurance Agreements shall be
performed by MARC as if MARC had been the original party to the
Reinsurance Agreements instead of Continental; and
b) releases and forever discharges Continental from the observance and
performance of any of the terms and conditions of the Reinsurance
Agreements and all of Continental's duties, obligations and
liabilities under the Reinsurance Agreements and from all claims,
demands, actions and causes of action which the Ceding Company ever
had, now has or may hereafter have against Continental in any way
arising out of, resulting from or related to the Reinsurance
Agreements or the transfer and assignment referenced herein.
4. MARC and the Ceding Company hereby ratify and confirm the Reinsurance
Agreements as agreements solely between them and agree that the Reinsurance
Agreements shall continue between them unaltered and in full force and
effect in accordance with its terms and conditions.
5. Each party agrees to do all things necessary to give full effect to this
Novation Agreement.
6. This Novation Agreement shall inure to the benefit of and be binding upon
the parties hereto and their respective successors and assigns.
NOVATION AGREEMENT
IN WITNESS WHEREOF the parties have executed this Novation Agreement as of
January 1, 2002.
For: Continental Assurance Company of Chicago, Illinois
By: /s/ Illegible Attest:
-------------------------------- -------------------------------
Title: Sr. Vice President Title:
For: Munich American Reassurance Company of Atlanta, Georgia
By: /s/ Illegible Attest: /s/ Illegible
-------------------------------- -------------------------------
Title: Vice President Title: Associate Actuary
For: GE Capital Life Assurance Company of New York
By: /s/ Illegible Attest: /s/ Illegible
-------------------------------- -------------------------------
Title: SR. VP Title: VP
Schedule A
To the Novation Agreement made as of the January 1, 2002
Between
Munich American Reassurance Company
And
GE Capital Life Assurance Company of New York
Contract(s) referred to in the above referenced Novation Agreement:
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CNA's Company Code Client Agreement # Treaty Effective Date Treaty Description
------------------------------------------------------------------------------------
Z5403 2064 05/10/1999 AUTOMATIC YRT
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Addendum
to the
Automatic Reinsurance Agreement
between
GE Life and Annuity Assurance Company
Richmond, Virginia
(hereinafter called the Ceding Company)
and
Munich American Reassurance Company
Atlanta, Georgia
(hereinafter called MARC)
Treaty ID: 1754
Effective October 1, 2000, if any policy effective June 26, 1999 and later and
issued by an affiliate of General Electric Financial Assurance converts to a
plan reinsured hereunder, MARC will receive its pool proportion of the reinsured
VUL policy. Reinsurance premiums for the new policy will be the percentage of
the GE 98 FULM rates in Exhibit A attached hereto and will be at attained age
for the duration since the last check of insurability (point in scale).
Except as provided above, the terms and conditions of the agreement to which
this addendum is attached will be applicable.
1
This addendum will be attached to and form a part of the Automatic Reinsurance
Agreement effective October 1, 2000, between the Ceding Company and MARC.
In witness whereof, the said GE Life and Annuity Assurance Company, Richmond,
Virginia, and the said Munich American Reassurance Company, Atlanta, Georgia,
have by their respective officers executed and delivered this addendum in
duplicate.
GE Life and Annuity Assurance Company
By /s/ Illegible
-----------------------------------
Title: SR VP RISK & REINSURANCE
Attest /s/ Illegible Date 5/8/02
-----------------------------
Munich American Reassurance Company
By /s/ Illegible
-----------------------------------
Title: Vice President
Attest /s/ Illegible Date 4-23-02
-----------------------------
2
Exhibit A
Life Reinsurance Premiums
1. Life reinsurance premium rates for conversions shall be the following
percentages of the GE98FULM rate schedules attached:
Policies Effective Policies Effective
June 26, 1999 December 4, 2000
------------------ ------------------
Underwriting Class All Ages All Ages
------------------ -------- --------
Preferred Best No Nicotine Use 43% 43%
Preferred No Nicotine Use 55% 56%
Select No Nicotine Use 76% 73%
Standard Plus No Nicotine Use 89% 88%
Preferred Nicotine Use 150% 150%
Standard Plus Nicotine Use 200% 200%
These premium rates may be applied to risks up to $10,000,000.
2. Life reinsurance premiums will be calculated as follows. If more than
$10,000,000 is accepted, the rates will be negotiated with MARC.
a. By multiplying the Net Amount at Risk Reinsured by the premium rates
derived at by multiplying the appropriate percentages times the rate
shown in GE98FULM.
b. Life reinsurance premiums for risks subject to a flat extra premium
will be the sum of:
(i) The applicable reinsurance premiums, calculated above, and
(ii) The following percentages of the policy annual flat extra
premiums applicable to the initial amount of reinsurance hereunder on
such risks:
Term of Flat
Extra Premium First Year Renewal Years
------------- ---------- -------------
More than five years 0% 85%
Five years or less 90% 90%
3. Periodic listings to be forwarded to MARC by the Ceding Company in
accordance with Article II, "Mode of Notification and Cession," will
identify smoker and nonsmoker risks.
4. Reinsurances ceded on these rate schedules will be eligible for recapture
in accordance with Article XII after they have been in force for at least
ten years.
3
GE98FULM - Male
Duration
Age 1 2 3 4 5 6 7 8 9
--- ------- ------- ------- ------- ------- ------- ------- ------- -------
0 0.583 0.335 0.228 0.209 0.153 0.135 0.120 0.125 0.120
1 0.218 0.207 0.200 0.148 0.125 0.123 0.120 0.125 0.116
2 0.188 0.188 0.154 0.128 0.125 0.123 0.117 0.111 0.102
3 0.158 0.149 0.131 0.128 0.125 0.123 0.113 0.107 0.124
4 0.144 0.133 0.131 0.128 0.122 0.116 0.106 0.125 0.143
5 0.139 0.133 0.131 0.128 0.118 0.108 0.128 0.139 0.170
6 0.129 0.125 0.123 0.122 0.111 0.130 0.142 0.170 0.197
7 0.120 0.118 0.115 0.116 0.133 0.137 0.177 0.201 0.291
8 0.123 0.118 0.115 0.128 0.140 0.181 0.206 0.293 0.453
9 0.120 0.118 0.131 0.136 0.177 0.210 0.291 0.457 0.552
10 0.120 0.125 0.138 0.173 0.214 0.288 0.466 0.556 0.615
11 0.120 0.133 0.169 0.211 0.290 0.476 0.567 0.627 0.642
12 0.136 0.165 0.215 0.287 0.486 0.579 0.640 0.655 0.675
13 0.160 0.212 0.285 0.495 0.584 0.653 0.668 0.681 0.662
14 0.208 0.281 0.506 0.589 0.667 0.675 0.688 0.668 0.643
15 0.278 0.516 0.593 0.673 0.689 0.694 0.666 0.649 0.643
16 0.526 0.605 0.679 0.695 0.708 0.680 0.654 0.649 0.638
17 0.609 0.693 0.693 0.714 0.686 0.660 0.654 0.643 0.664
18 0.699 0.691 0.696 0.692 0.665 0.659 0.640 0.661 0.662
19 0.681 0.685 0.656 0.671 0.664 0.629 0.618 0.658 0.718
20 0.664 0.610 0.634 0.644 0.642 0.605 0.604 0.653 0.713
21 0.595 0.569 0.589 0.605 0.609 0.599 0.602 0.640 0.673
22 0.553 0.529 0.542 0.573 0.597 0.602 0.596 0.638 0.661
23 0.501 0.486 0.517 0.559 0.602 0.598 0.610 0.615 0.624
24 0.444 0.455 0.500 0.557 0.604 0.614 0.614 0.614 0.619
25 0.396 0.430 0.491 0.550 0.581 0.599 0.608 0.616 0.619
26 0.352 0.410 0.478 0.520 0.549 0.572 0.598 0.618 0.625
27 0.309 0.385 0.445 0.481 0.505 0.542 0.593 0.628 0.625
28 0.327 0.396 0.453 0.487 0.511 0.553 0.607 0.628 0.640
29 0.333 0.401 0.454 0.489 0.521 0.570 0.615 0.638 0.638
30 0.334 0.399 0.451 0.506 0.536 0.581 0.618 0.651 0.678
31 0.329 0.395 0.453 0.508 0.546 0.587 0.613 0.657 0.699
32 0.322 0.393 0.459 0.514 0.552 0.586 0.615 0.666 0.724
33 0.328 0.417 0.492 0.549 0.581 0.623 0.655 0.702 0.766
34 0.336 0.437 0.522 0.576 0.615 0.662 0.700 0.765 0.826
35 0.342 0.453 0.545 0.608 0.650 0.704 0.761 0.834 0.919
36 0.344 0.463 0.572 0.642 0.682 0.750 0.792 0.915 0.990
37 0.343 0.477 0.601 0.679 0.749 0.797 0.911 0.986 1.103
38 0.356 0.499 0.621 0.711 0.786 0.909 0.993 1.110 1.254
39 0.371 0.524 0.658 0.759 0.862 0.969 1.102 1.250 1.428
40 0.388 0.563 0.711 0.845 0.942 1.043 1.203 1.387 1.559
41 0.416 0.616 0.803 0.937 1.037 1.175 1.298 1.498 1.713
42 0.453 0.708 0.900 1.047 1.171 1.249 1.390 1.626 1.869
43 0.538 0.768 0.969 1.162 1.265 1.385 1.548 1.779 2.049
44 0.621 0.838 1.072 1.275 1.380 1.548 1.714 1.963 2.260
45 0.717 0.944 1.172 1.388 1.518 1.720 1.915 2.179 2.408
46 0.856 1.048 1.269 1.524 1.751 1.928 2.151 2.350 2.650
47 1.002 1.153 1.389 1.665 1.949 2.174 2.353 2.587 2.955
48 1.031 1.245 1.506 1.820 2.155 2.371 2.608 2.930 3.381
49 1.070 1.339 1.649 1.999 2.320 2.620 2.950 3.345 3.844
50 1.104 1.452 1.811 2.131 2.529 2.948 3.364 3.794 4.401
51 1.146 1.577 1.923 2.305 2.808 3.353 3.812 4.335 4.961
52 1.182 1.644 2.072 2.527 3.150 3.788 4.354 4.878 5.409
53 1.212 1.753 2.279 2.832 3.482 4.206 4.782 5.241 5.863
54 1.263 1.900 2.547 3.153 3.888 4.596 5.049 5.622 6.311
55 1.340 2.096 2.827 3.556 4.271 4.816 5.373 5.983 6.900
56 1.457 2.294 3.188 3.943 4.484 5.092 5.603 6.473 7.719
57 1.568 2.568 3.532 4.164 4.764 5.264 6.039 7.181 8.383
58 1.933 2.961 3.782 4.537 5.056 5.789 6.636 7.686 8.944
59 2.315 3.198 4.132 4.825 5.652 6.393 7.265 8.290 9.119
60 2.627 3.552 4.392 5.422 6.181 7.048 7.867 8.607 9.042
61 2.915 3.818 4.965 5.954 6.912 7.666 8.322 8.667 9.635
62 3.200 4.409 5.470 6.693 7.577 8.166 8.486 9.610 10.422
63 3.459 4.681 6.031 7.261 8.023 8.513 9.744 10.451 11.688
64 3.675 5.131 6.501 7.633 8.153 9.611 10.478 11.603 13.592
65 3.903 5.475 6.839 7.656 9.044 10.574 11.424 13.422 16.092
66 4.088 5.751 6.802 8.188 9.761 11.233 13.240 15.930 17.149
67 4.270 5.686 7.098 8.636 10.721 13.228 15.910 16.961 18.795
68 4.528 6.033 7.604 9.429 11.540 14.004 16.668 19.056 20.175
69 4.954 6.580 8.340 10.233 12.378 14.848 17.489 19.925 22.612
Duration
Age 10 11 12 13 14 15 16 17 18
--- ------- ------- ------- ------- ------- ------- ------- ------- -------
0 0.118 0.111 0.132 0.155 0.187 0.201 0.302 0.465 0.550
1 0.107 0.125 0.150 0.181 0.205 0.298 0.446 0.521 0.618
2 0.120 0.152 0.177 0.207 0.292 0.443 0.520 0.587 0.650
3 0.144 0.166 0.210 0.291 0.436 0.523 0.586 0.607 0.664
4 0.167 0.198 0.294 0.431 0.525 0.579 0.612 0.647 0.665
5 0.193 0.297 0.435 0.530 0.585 0.615 0.650 0.645 0.677
6 0.293 0.439 0.536 0.591 0.622 0.653 0.645 0.642 0.643
7 0.444 0.541 0.591 0.624 0.660 0.644 0.642 0.643 0.638
8 0.547 0.597 0.624 0.663 0.651 0.642 0.642 0.645 0.685
9 0.603 0.630 0.655 0.654 0.641 0.642 0.644 0.677 0.716
10 0.630 0.662 0.650 0.640 0.641 0.650 0.669 0.708 0.776
11 0.662 0.656 0.640 0.640 0.636 0.662 0.700 0.768 0.831
12 0.656 0.639 0.639 0.635 0.661 0.693 0.759 0.822 0.859
13 0.638 0.639 0.634 0.661 0.684 0.751 0.817 0.858 0.874
14 0.638 0.633 0.660 0.683 0.750 0.813 0.853 0.878 0.870
15 0.632 0.659 0.682 0.741 0.794 0.849 0.887 0.875 0.850
16 0.658 0.674 0.740 0.789 0.830 0.882 0.866 0.849 0.850
17 0.664 0.731 0.790 0.818 0.857 0.859 0.849 0.840 0.850
18 0.721 0.773 0.772 0.783 0.807 0.832 0.828 0.831 0.813
19 0.744 0.752 0.752 0.741 0.765 0.788 0.799 0.793 0.807
20 0.722 0.717 0.717 0.717 0.719 0.746 0.763 0.777 0.791
21 0.681 0.686 0.687 0.699 0.706 0.731 0.737 0.761 0.802
22 0.657 0.665 0.678 0.669 0.701 0.710 0.740 0.773 0.798
23 0.643 0.633 0.657 0.672 0.687 0.698 0.753 0.779 0.817
24 0.618 0.635 0.640 0.684 0.685 0.710 0.759 0.798 0.831
25 0.625 0.643 0.682 0.677 0.684 0.725 0.778 0.821 0.871
26 0.626 0.646 0.658 0.670 0.703 0.744 0.810 0.870 0.931
27 0.638 0.641 0.669 0.698 0.726 0.784 0.869 0.930 1.040
28 0.635 0.674 0.696 0.715 0.775 0.843 0.919 1.039 1.139
29 0.667 0.694 0.719 0.774 0.841 0.903 1.038 1.138 1.299
30 0.694 0.722 0.772 0.840 0.902 1.005 1.137 1.299 1.436
31 0.726 0.773 0.839 0.905 1.007 1.121 1.298 1.435 1.582
32 0.778 0.842 0.903 1.004 1.119 1.284 1.434 1.580 1.753
33 0.828 0.902 1.003 1.112 1.269 1.419 1.579 1.732 1.919
34 0.906 0.998 1.115 1.258 1.397 1.552 1.729 1.895 2.095
35 1.006 1.121 1.253 1.393 1.527 1.705 1.893 2.093 2.347
36 1.107 1.239 1.407 1.526 1.678 1.857 2.090 2.345 2.670
37 1.244 1.405 1.524 1.681 1.862 2.071 2.343 2.683 3.096
38 1.420 1.539 1.678 1.860 2.076 2.337 2.696 3.111 3.572
39 1.537 1.675 1.857 2.082 2.354 2.696 3.126 3.608 4.144
40 1.692 1.854 2.097 2.340 2.693 3.119 3.626 4.181 4.676
41 1.851 2.070 2.355 2.662 3.091 3.659 4.219 4.713 5.182
42 2.043 2.340 2.641 3.055 3.661 4.258 4.751 5.223 5.701
43 2.312 2.613 3.018 3.660 4.255 4.795 5.265 5.728 6.208
44 2.553 3.018 3.547 4.115 4.740 5.305 5.761 6.237 6.774
45 2.817 3.391 4.005 4.595 5.295 5.790 6.265 6.769 7.157
46 3.132 3.819 4.491 5.149 5.705 6.296 6.763 7.148 7.654
47 3.499 4.273 5.058 5.623 6.236 6.715 7.179 7.643 8.130
48 3.957 4.839 5.570 6.105 6.575 7.103 7.630 8.164 8.584
49 4.505 5.334 6.110 6.469 6.961 7.550 8.148 8.617 9.273
50 5.050 5.844 6.340 6.879 7.420 8.055 8.650 9.308 10.257
51 5.502 6.302 6.780 7.383 8.004 8.439 9.402 10.236 11.291
52 5.935 6.754 7.261 8.023 8.299 9.186 10.213 11.133 12.446
53 6.399 7.149 7.975 8.336 9.250 9.894 10.971 12.272 13.430
54 7.005 7.919 8.324 9.279 9.894 10.608 12.094 13.399 14.726
55 7.839 8.331 9.207 9.899 10.167 11.822 13.365 14.689 16.386
56 8.352 9.106 9.826 9.992 11.639 13.062 14.743 16.347 17.730
57 8.963 9.672 9.814 11.451 12.687 14.501 16.099 17.685 19.476
58 9.568 9.630 11.278 12.473 14.084 15.732 17.637 19.181 21.075
59 9.540 11.262 12.081 13.657 15.272 17.235 18.878 21.017 23.345
60 10.050 11.790 13.221 15.010 17.183 18.687 20.818 23.282 26.345
61 10.466 12.260 14.740 16.900 18.379 20.608 23.216 25.962 29.390
62 11.925 14.463 16.609 18.314 19.994 22.981 25.732 29.329 32.670
63 13.750 16.544 17.992 19.643 22.611 25.569 28.903 32.607 36.441
64 16.241 17.662 19.282 22.230 24.833 28.542 32.539 36.376 42.321
65 17.323 18.913 21.839 24.415 27.370 32.143 36.525 42.509 48.064
66 18.533 21.128 23.986 26.541 31.265 36.306 42.698 48.290 54.402
67 20.714 23.205 25.692 29.961 35.347 42.456 48.516 54.667 60.477
68 22.405 24.823 30.059 34.812 41.911 48.741 54.932 61.025 65.852
69 23.934 30.179 34.262 41.349 48.163 55.196 61.579 66.450 71.848
Duration
Age 19 20 21 22 23 24 25 Ult
--- ------- ------- ------- ------- ------- ------- ------- -------
0 0.612 0.637 0.644 0.639 0.643 0.644 0.640 0.658
1 0.644 0.650 0.645 0.650 0.651 0.646 0.665 0.688
2 0.657 0.652 0.657 0.657 0.653 0.671 0.695 0.738
3 0.658 0.663 0.664 0.659 0.678 0.702 0.746 0.790
4 0.670 0.671 0.666 0.685 0.709 0.753 0.798 0.817
5 0.677 0.673 0.692 0.717 0.761 0.806 0.825 0.831
6 0.679 0.699 0.724 0.769 0.815 0.833 0.839 0.831
7 0.706 0.731 0.776 0.823 0.842 0.848 0.839 0.825
8 0.724 0.784 0.831 0.850 0.857 0.848 0.833 0.834
9 0.784 0.831 0.859 0.865 0.856 0.842 0.843 0.853
10 0.831 0.859 0.865 0.865 0.850 0.851 0.862 0.863
11 0.859 0.865 0.865 0.859 0.860 0.870 0.871 0.866
12 0.869 0.869 0.850 0.868 0.879 0.880 0.875 0.858
13 0.874 0.850 0.868 0.888 0.889 0.884 0.867 0.851
14 0.850 0.868 0.879 0.880 0.893 0.876 0.859 0.837
15 0.859 0.870 0.862 0.888 0.885 0.868 0.846 0.837
16 0.860 0.843 0.874 0.876 0.877 0.854 0.846 0.852
17 0.824 0.855 0.876 0.877 0.863 0.854 0.861 0.893
18 0.836 0.857 0.877 0.854 0.863 0.869 0.902 0.955
19 0.820 0.849 0.854 0.837 0.878 0.911 0.964 1.___
20 0.821 0.836 0.837 0.869 0.884 0.974 1.054 1.___
21 0.817 0.836 0.860 0.883 0.964 1.064 1.154 1.276
22 0.836 0.851 0.873 0.954 1.043 1.166 1.288 1.425
23 0.841 0.873 0.944 1.042 1.154 1.301 1.439 1.604
24 0.872 0.933 1.042 1.142 1.301 1.439 1.620 1.777
25 0.932 1.041 1.142 1.301 1.439 1.604 1.795 1.945
26 1.041 1.141 1.301 1.439 1.587 1.795 1.965 2.124
27 1.140 1.301 1.439 1.587 1.786 1.965 2.145 2.354
28 1.300 1.438 1.586 1.776 1.955 2.145 2.378 2.621
29 1.437 1.585 1.775 1.944 2.123 2.354 2.648 2.976
30 1.583 1.775 1.943 2.101 2.354 2.648 3.006 3.363
31 1.773 1.942 2.099 2.353 2.647 3.006 3.397 3.850
32 1.941 2.098 2.352 2.647 3.036 3.414 3.889 4.380
33 2.097 2.351 2.646 3.036 3.431 3.925 4.424 4.934
34 2.349 2.659 3.051 3.466 3.960 4.451 4.934 5.555
35 2.672 3.066 3.491 3.996 4.483 4.984 5.555 6.159
36 3.081 3.519 4.033 4.519 5.019 5.554 6.159 6.721
37 3.543 4.069 4.560 5.050 5.524 6.190 6.653 7.420
38 4.106 4.601 5.085 5.551 6.157 6.652 7.195 8.118
39 4.638 5.110 5.590 6.155 6.685 7.192 7.708 8.878
40 5.146 5.635 6.185 6.717 7.188 7.704 8.430 9.779
41 5.662 6.215 6.750 7.183 7.698 8.424 9.384 10.629
42 6.212 6.782 7.178 7.691 8.326 9.279 9.985 11.403
43 6.779 7.172 7.683 8.272 9.171 9.869 10.827 12.403
44 7.165 7.675 8.215 8.958 9.750 10.588 11.777 13.672
45 7.665 8.204 8.740 9.737 10.460 11.642 12.981 15.300
46 8.192 8.621 9.500 10.328 11.632 12.973 14.218 16.___
47 8.551 9.371 10.312 11.621 12.963 13.737 15.441 18.___
48 9.237 10.295 11.607 13.094 13.561 15.250 16.970 20.___
49 10.277 11.593 12.939 13.538 15.054 16.951 18.384 22.464
50 11.444 12.779 13.514 14.853 16.929 18.361 20.195 24.773
51 12.615 13.488 14.824 16.712 18.231 20.170 22.021 27.268
52 13.460 14.794 16.488 18.095 19.910 21.737 24.238 29.646
53 14.761 16.456 18.063 19.644 21.446 23.926 26.951 32.674
54 16.422 18.028 19.606 21.405 23.606 27.223 30.364 35.888
55 17.772 19.565 21.361 23.560 27.192 30.337 32.988 39.560
56 19.522 21.182 23.512 27.158 30.307 32.955 36.363 43.633
57 21.130 23.460 27.121 30.273 32.918 36.326 40.988 47.434
58 23.404 26.765 30.235 32.877 36.693 41.180 46.476 52.020
59 26.718 29.846 32.831 36.652 41.371 46.703 52.020 56.769
60 29.447 32.782 36.606 41.562 46.931 52.546 56.769 61.815
61 32.728 36.556 41.752 47.158 53.076 57.285 61.815 66.765
62 36.501 41.942 47.385 53.342 57.805 62.377 67.372 71.939
63 42.132 47.612 53.607 58.330 62.943 68.052 72.593 77.334
64 47.838 53.872 58.859 63.515 68.671 73.326 78.037 82.939
65 54.137 59.394 64.091 69.295 73.992 78.825 83.693 88.743
66 59.933 64.673 69.925 74.665 79.621 84.539 89.460 94.956
67 65.260 70.560 75.343 80.345 85.307 90.364 95.820 101.607
68 71.201 76.028 81.075 86.169 91.185 96.691 102.633 108.717
69 76.719 81.812 86.952 92.106 97.667 103.566 109.815 116.327
GE98FULM - Male
Duration
Age 1 2 3 4 5 6 7 8 9
--- ------- ------- ------- ------- ------- ------- ------- ------- -------
70 5.408 7.176 9.076 11.070 13.305 15.784 18.268 20.731 23.719
71 6.016 7.890 9.909 12.005 14.352 16.723 18.985 21.578 24.730
72 6.695 8.752 10.849 14.484 16.666 17.654 21.393 23.896 25.804
73 7.058 10.637 14.454 16.297 17.541 21.006 23.497 25.383 29.508
74 7.749 11.733 15.905 17.510 20.174 23.072 24.924 29.053 35.816
75 8.546 12.912 17.468 19.728 22.158 24.435 28.568 36.547 48.003
76 9.405 14.180 19.253 21.668 24.425 28.051 36.695 46.439 51.706
77 10.331 15.631 21.150 23.885 27.501 35.634 44.141 49.984 57.043
78 11.390 17.171 23.314 26.917 35.740 42.392 47.462 54.427 62.410
79 12.508 18.925 25.714 32.714 39.200 45.539 52.452 60.418 68.970
80 13.789 20.874 28.234 35.876 42.776 50.374 58.318 67.739 76.923
81 15.205 22.924 30.963 39.149 47.387 56.108 66.428 75.656 85.481
82 16.697 25.140 33.792 45.656 54.651 65.036 73.340 83.675 94.653
83 18.314 31.070 40.397 52.581 62.624 71.883 82.796 94.415 99.004
84 24.268 37.796 47.525 60.176 70.335 81.317 93.019 98.702 108.374
85 31.095 45.103 55.400 68.469 79.744 90.398 99.532 110.585 118.563
86 38.623 53.205 64.061 77.491 88.784 99.145 111.574 119.653 128.257
87 47.045 62.153 73.539 87.258 98.701 111.264 120.739 130.163 142.041
88 56.405 71.973 83.858 98.014 110.894 123.203 132.093 144.939 155.369
89 66.754 82.698 95.262 109.852 122.892 133.308 147.897 158.497 173.188
90 78.122 94.572 107.856 122.856 136.029 150.121 161.689 176.723 187.045
91 90.764 107.709 121.738 137.150 152.375 164.939 180.329 190.863 202.475
92 104.789 122.214 137.040 153.201 168.164 184.009 194.758 206.607 219.681
93 120.323 138.223 154.241 171.256 187.765 198.732 210.823 224.164 239.452
94 137.525 156.240 173.632 191.597 202.788 215.126 228.739 244.339 262.205
95 156.912 176.557 195.507 206.927 219.516 233.407 249.326 267.556 288.422
96 178.808 199.497 211.150 223.996 238.170 254.414 273.017 294.308 318.709
97 203.568 215.459 228.568 243.031 259.606 278.588 300.315 325.214 353.768
98 219.856 233.232 247.991 264.904 284.274 306.444 331.851 360.987 396.217
99 237.992 253.052 270.310 290.075 312.698 338.623 368.355 404.303 447.726
Duration
Age 10 11 12 13 14 15 16 17 18
--- ------- ------- ------- ------- ------- ------- ------- ------- -------
70 26.698 32.893 38.784 47.568 55.167 62.137 67.052 72.501 77.416
71 28.213 35.868 45.865 55.131 61.484 67.661 73.159 78.119 83.306
72 29.777 38.935 54.825 60.811 66.949 73.824 78.829 84.062 89.434
73 35.100 50.807 58.158 65.512 70.803 78.741 83.800 88.975 95.211
74 48.876 55.445 63.328 69.236 77.102 82.919 88.957 95.687 100.848
75 53.339 61.093 67.630 75.421 82.012 88.929 96.163 100.828 106.810
76 58.806 65.208 73.699 81.077 88.892 96.144 100.796 106.777 113.106
77 63.514 71.934 81.006 88.372 96.114 100.754 106.732 114.249 123.545
78 70.126 80.026 87.832 96.073 100.700 106.675 114.201 123.520 131.150
79 78.110 86.791 96.022 99.553 107.753 115.354 124.767 132.475 140.840
80 85.719 95.960 99.466 107.683 115.293 125.378 133.813 142.230 156.612
81 94.845 99.366 107.601 116.458 125.988 135.165 143.629 158.194 169.143
82 99.255 108.688 116.383 126.598 135.826 145.041 159.792 170.852 183.096
83 108.593 116.294 127.207 136.487 146.462 161.406 172.578 184.945 198.655
84 116.192 127.140 137.866 147.902 163.037 174.321 186.813 200.662 216.534
85 127.058 139.258 149.356 164.683 176.082 188.700 202.688 218.722 237.109
86 139.932 150.825 166.347 177.860 190.607 204.736 220.931 239.505 260.817
87 152.302 168.027 179.657 192.532 206.804 223.162 241.924 263.452 288.206
88 169.724 181.471 194.477 208.893 225.417 244.367 266.113 291.117 319.909
89 183.304 196.441 211.003 227.694 246.836 268.801 294.057 323.140 358.295
90 198.425 213.134 229.994 249.329 271.516 297.028 326.404 361.914 404.874
91 215.287 232.317 251.848 274.259 300.028 329.701 365.570 408.964 461.559
92 234.663 254.391 277.029 303.059 333.031 369.263 413.095 466.221 530.787
93 256.961 279.827 306.120 336.395 372.993 417.267 470.930 536.148 615.463
94 282.654 309.212 339.793 376.760 421.482 475.687 541.564 621.680
95 312.335 343.225 380.566 425.739 480.492 547.034 627.959
96 346.692 384.410 430.040 485.345 552.560 634.302
97 388.293 434.384 490.248 558.141 640.709
98 438.771 495.200 563.779 647.181
99 500.202 569.474 653.718
Duration
Age 19 20 21 22 23 24 25 Ult
--- ------- ------- ------- ------- ------- ------- ------- -------
70 82.555 87.830 92.943 98.555 104.612 110.814 117.502 124.761
71 88.628 93.882 99.550 105.563 111.821 118.452 126.021 134.120
72 94.831 100.455 106.629 112.950 119.528 127.039 135.475 144.513
73 100.859 106.843 112.033 120.372 127.294 133.311 145.973 156.076
74 106.832 112.010 121.344 128.580 134.541 147.447 157.653 168.951
75 113.142 121.704 129.879 135.777 148.937 159.245 170.657 183.308
76 122.934 129.865 137.024 150.441 160.854 172.381 185.159 199.806
77 131.177 138.283 151.961 162.478 174.122 187.030 201.824 218.791
78 139.558 153.496 164.119 175.881 188.919 203.863 221.002 240.668
79 155.046 165.777 177.658 190.827 205.922 223.234 243.099 265.940
80 167.452 179.452 192.755 208.002 225.489 245.554 268.627 295.194
81 181.265 194.702 210.103 227.766 248.035 271.340 298.176 330.615
82 196.668 212.225 230.067 250.540 274.081 301.188 333.955 373.595
83 214.369 232.391 253.071 276.849 304.230 337.328 377.369 425.901
84 234.738 255.627 279.646 307.303 340.735 381.181 430.203 489.781
85 258.209 282.470 310.407 344.177 385.031 434.548 494.728 567.915
86 285.324 313.542 347.654 388.920 438.938 499.725 573.652
87 316.709 351.165 392.849 443.371 504.773 579.446
88 354.712 396.817 447.850 509.872 585.299
89 400.825 452.374 515.022 591.211
90 546.943 520.224 597.183
91 525.479 603.215
92 609.308
93
94
95
96
97
98
99
GE98FULM - Female
Duration
Age 1 2 3 4 5 6 7 8 9 10
--- ------ ------- ------- ------- ------- ------- ------- ------- ------- -------
0 0.528 0.329 0.192 0.113 0.089 0.094 0.099 0.097 0.095 0.1
1 0.176 0.118 0.092 0.083 0.081 0.06 0.099 0.097 0.102 0.1
2 0.12 0.09 0.077 0.075 0.081 0.101 0.099 0.101 0.102 0.093
3 0.064 0.063 0.069 0.083 0.103 0.101 0.106 0.104 0.095 0.12
4 0.064 0.071 0.077 0.098 0.103 0.106 0.099 0.097 0.116 0.12
5 0.072 0.078 0.092 0.09 0.096 0.094 0.092 0.111 0.123 0.12
6 0.08 0.086 0.077 0.083 0.089 0.087 0.106 0.125 0.123 0.133
7 0.08 0.078 0.077 0.09 0.089 0.101 0.12 0.125 0.136 0.193
8 0.08 0.078 0.085 0.09 0.096 0.123 0.12 0.132 0.197 0.233
9 0.08 0.086 0.092 0.098 0.125 0.123 0.135 0.194 0.238 0.253
10 0.088 0.094 0.1 0.128 0.125 0.137 0.198 0.236 0.252 0.253
11 0.096 0.102 0.131 0.128 0.133 0.202 0.241 0.257 0.259 0.273
12 0.096 0.133 0.123 0.136 0.207 0.246 0.262 0.264 0.279 0.287
13 0.112 0.125 0.131 0.211 0.251 0.26 0.262 0.2_5 0.286 0.287
14 0.128 0.133 0.207 0.256 0.266 0.26 0.291 0.292 0.286 0.3
15 0.133 0.215 0.258 0.269 0.268 0.297 0.299 0.267 0.288 0.29
16 0.215 0.261 0.271 0.27 0.295 0.289 0.285 0.29 0.289 0.298
17 0.264 0.267 0.269 0.29 0.286 0.262 0.291 0.292 0.299 0.32
18 0.268 0.267 0.282 0.283 0.263 0.264 0.275 0.293 0.319 0.336
19 0.265 0.28 0.287 0.263 0.248 0.251 0.273 0.307 0.337 0.341
20 0.255 0.274 0.259 0.246 0.238 0.25 0.282 0.318 0.344 0.327
21 0.233 0.237 0.234 0.234 0.239 0.26 0.288 0.318 0.323 0.313
22 0.184 0.204 0.215 0.233 0.251 0.283 0.302 0.292 0.306 0.323
23 0.164 0.188 0.214 0.251 0.278 0.293 0.291 0.294 0.314 0.334
24 0.149 0.18 0.223 0.267 0.297 0.294 0.292 0.308 0.331 0.354
25 0.139 0.179 0.23 0.275 0.291 0.29 0.308 0.33 0.35 0.368
26 0.135 0.176 0.228 0.259 0.29 0.313 0.334 0.355 0.372 0.385
27 0.128 0.165 0.207 0.248 0.299 0.338 0.362 0.377 0.389 0.4
28 0.141 0.165 0.204 0.248 0.304 0.347 0.371 0.395 0.406 0.431
29 0.141 0.167 0.209 0.256 0.31 0.351 0.384 0.411 0.435 0.466
30 0.144 0.175 0.22 0.264 0.312 0.359 0.395 0.435 0.468 0.496
31 0.151 0.189 0.232 0.269 0.317 0.364 0.413 0.462 0.497 0.54
32 0.164 0.204 0.241 0.276 0.32 0.375 0.433 0.485 0.538 0.577
33 0.169 0.213 0.259 0.3 0.351 0.406 0.454 0.516 0.586 0.658
34 0.173 0.225 0.276 0.33 0.387 0.434 0.487 0.562 0.645 0.719
35 0.178 0.235 0.298 0.364 0.419 0.472 0.535 0.621 0.712 0.786
36 0.182 0.251 0.324 0.395 0.463 0.527 0.595 0.687 0.785 0.863
37 0.189 0.268 0.347 0.437 0.524 0.595 0.663 0.759 0.869 0.957
38 0.197 0.279 0.369 0.477 0.577 0.657 0.728 0.83 0.955 1.058
39 0.201 0.297 0.404 0.527 0.637 0.724 0.803 0.917 1.043 1.168
40 0.21 0.325 0.448 0.584 0.703 0.802 0.895 1.007 1.138 1.287
41 0.226 0.359 0.497 0.646 0.779 0.898 0.991 1.105 1.238 1.411
42 0.245 0.398 0.551 0.718 0.872 1 1.098 1.209 1.34 1.552
43 0.273 0.445 0.62 0.811 0.97 1.101 1.201 1.323 1.482 1.724
44 0.305 0.5 0.704 0.91 1.079 1.21 1.308 1.453 1.655 1.911
45 0.341 0.567 0.795 1.021 1.198 1.322 1.429 1.611 1.844 2.06
46 0.386 0.639 0.896 1.143 1.323 1.451 1.577 1.783 2.018 2.264
47 0.434 0.72 1.008 1.272 1.466 1.607 1.736 1.938 2.209 2.462
48 0.484 0.777 1.065 1.338 1.563 1.728 1.855 2.078 2.362 2.665
49 0.538 0.834 1.127 1.419 1.659 1.823 1.984 2.227 2.56 2.896
50 0.596 0.898 1.203 1.497 1.727 1.924 2.12 2.418 2.783 3.116
51 0.662 0.975 1.278 1.547 1.797 2.027 2.296 2.633 2.995 3.325
52 0.742 1.056 1.331 1.6 1.866 2.164 2.49 2.836 3.198 3.526
53 0.765 1.095 1.412 1.712 2.05 2.411 2.768 3.147 3.523 3.857
54 0.771 1.144 1.495 1.857 2.254 2.655 3.059 3.473 3.868 4.115
55 0.786 1.19 1.604 2.009 2.447 2.909 3.365 3.822 4.141 4.517
56 0.794 1.255 1.713 2.143 2.644 3.174 3.689 4.095 4.56 4.946
57 0.812 1.305 1.795 2.278 2.85 3.454 3.933 4.518 5.01 5.397
58 0.828 1.406 2 2.567 3.163 3.654 4.224 4.783 5.282 5.687
59 0.84 1.524 2.229 2.881 3.389 3.995 4.527 5.045 5.553 6.066
60 0.848 1.659 2.477 3.105 3.765 4.358 4.834 5.307 5.91 6.595
61 0.87 1.803 2.621 3.48 4.17 4.739 5.151 5.652 6.409 7.105
62 0.889 1.825 2.906 3.889 4.602 5.142 5.559 6.133 6.886 7.707
63 0.914 2.025 3.131 4.087 4.762 5.357 5.937 6.534 7.391 8.269
64 1.065 2.241 3.362 4.283 4.982 5.678 6.275 7.004 7.915 8.745
65 1.234 2.471 3.603 4.544 5.305 5.95 6.669 7.49 8.354 9.226
66 1.418 2.718 3.912 4.911 5.588 6.265 7.066 7.894 8.794 9.___
67 1.621 3.027 4.33 5.257 5.917 6.814 7.735 8.297 9.219 10.19
68 1.939 3.526 4.915 6.027 6.796 7.62 8.415 9.102 10.241 11.708
69 2.348 4.064 5.618 6.9 7.697 8.586 9.048 10.005 11.395 13.___
70 2.599 3.983 6.055 6.943 7.771 8.665 9.666 10.976 13.099 16.491
71 2.919 4.296 6.362 7.152 8.508 9.504 10.814 12.497 15.405 19.541
72 3.358 4.869 6.743 7.745 9.35 10.641 12.232 14.994 18.793 22.458
73 3.779 5.424 7.209 8.496 10.355 11.929 14.807 17.699 21.66 26.048
74 4.254 6.026 7.812 9.438 11.722 14.101 17.065 20.821 24.855 29.36
75 4.684 6.61 8.793 10.696 13.361 16.397 19.775 23.97 28.056 32.342
76 5.178 7.37 10.093 12.323 15.399 18.678 22.738 27.059 31.129 35.367
77 5.733 8.55 11.638 14.505 18.038 21.523 25.63 30.171 34.433 39.078
78 6.489 9.828 13.567 16.67 20.717 24.518 26.326 33.794 37.954 43.533
79 7.466 11.327 15.592 19.272 23.746 27.483 31.441 37.584 42.621 50.679
80 8.621 13.09 17.922 21.946 26.303 30.271 35.017 41.653 49.645 58.879
81 9.926 15.102 20.566 24.274 29.041 33.576 39.065 47.14 58.143 69.579
82 11.399 17.255 22.907 26.67 32.062 37.63 44.154 56.033 69.106 80.634
83 12.944 19.521 25.29 29.586 36.446 42.586 55.495 65.85 79.184 91.696
84 15.202 21.509 27.84 33.869 42.984 54.912 66.948 80.336 92.921 102.37
Age 11 12 13 14 15 16 17 18 19 20
--- ------ ------- ------- ------- ------- ------- ------- ------- ------- -------
0 0.0__ 0.10_ 0.129 0.147 0.152 0.163 0.194 0.223 0.25 0.277
1 0.0_2 0.124 0.136 0.135 0.146 0.196 0.225 0.252 0.28 0.309
2 0.125 0.131 0.129 0.141 0.19 0.227 0.25_ 0.283 0.312 0.335
3 0.125 0.124 0.136 0.192 0.222 0.257 0.2__ 0.316 0.338 0.323
4 0.125 0.131 0.194 0.224 0.254 0.289 0.319 0.341 0.327 0.315
5 0.132 0.19 0.227 0.25 0.26 0.322 0.345 0.33 0.318 0.312
6 0.192 0.229 0.252 0.2_3 0.279 0.348 0.333 0.321 0.315 0.324
7 0.231 0.248 0.2__ 0.2__ 0.2_2 0.337 0.324 0.319 0.328 0.353
8 0.251 0.255 0.2__ 0.2__ 0.2_2 0.328 0.322 0.331 0.356 0.36
9 0.251 0.268 0.291 0.2__ 0.317 0.325 0.334 0.36 0.384 0.396
10 0.271 0.288 0.2__ 0.314 0.304 0.338 0.364 0.388 0.4 0.379
11 0.2_4 0.288 0.311 0.301 0.317 0.367 0.392 0.404 0.382 0.367
12 0.2_4 0.307 0.304 0.314 0.343 0.396 0.406 0.386 0.371 0.369
13 0.304 0.301 0.311 0.333 0.3_2 0.412 0.39 0.375 0.373 0.382
14 0.304 0.307 0.324 0.359 0.3_7 0.394 0.378 0.377 0.386 0.396
15 0.302 0.329 0.363 0.391 0.3__ 0.382 0.381 0.39 0.4 0.407
16 0.324 0.35 0.3__ 0.3_ 0.355 0.384 0.394 0.404 0.411 0.42
17 0.341 0.354 0.329 0.32_ 0.363 0.3__ 0.408 0.415 0.424 0.436
18 0.347 0.328 0.323 0.356 0.368 0.413 0.419 0.429 0.44 0.455
19 0.327 0.314 0.333 0.3_3 0.373 0.423 0.433 0.444 0.459 0.477
20 0.315 0.318 0.344 0.37 0.374 0.437 0.449 0.464 0.482 0.494
21 0.32 0.332 0.355 0.373 0.385 0.404 0.464 0.482 0.499 0.516
22 0.335 0.355 0.366 0.382 0.403 0.422 0.448 0.479 0.522 0.56
23 0.3_3 0.3__ 0.383 0.401 0.425 0.452 0.479 0.522 0.5__ 0.615
24 0.367 0.383 0.404 0.4_8 0.457 0.478 0.521 0.564 0.621 0.676
25 0.386 0.403 0.43 0.4_8 0.4_1 0.521 0.568 0.621 0.676 0.743
26 0.403 0.424 0.46 0.4_5 0.518 0.573 0.627 0.683 0.749 0.82
27 0.427 0.462 0.4_7 0.523 0.578 0.634 0.69 0.757 0.827 0.915
28 0.462 0.487 0.526 0.573 0.637 0.697 0.764 0.836 0.922 1.014
29 0.4_2 0.53 0.575 0.635 0.703 0.772 0.844 0.931 1.023 1.124
30 0.535 0.579 0.641 0.71 0.78 0.853 0.94 1.032 1.134 1.243
31 0.578 0.646 0.715 0.787 0.861 0.95 1.042 1.145 1.252 1.367
32 0.653 0.718 0.793 0.87 0.959 1.053 1.156 1.264 1.378 1.50_
33 0.718 0.797 0.879 0.9__ 1.0_3 1.167 1.276 1.391 1.523 1.681
34 0.8 0.88 0.979 1.074 1.178 1.29 1.404 1.537 1.___ 1.869
35 0.875 0.977 1.064 1.189 1.3 1.418 1.552 1.716 1.888 2.039
36 0.967 1.079 1.2 1.312 1.431 1.567 1.732 1.907 2.058 2.212
37 1.063 1.19 1.325 1.445 1.582 1.7__ 1.926 2.078 2.233 2.389
38 1.189 1.322 1.459 1.597 1.7__ 1.946 2.098 2.255 2.411 2.622
39 1.326 1.46 1.613 1.783 1.9__ 2.118 2.278 2.433 2.64 2.912
40 1.471 1.625 1._ 1.9_5 2.138 2.301 2.453 2.__2 2.929 3.237
41 1.638 1.815 2.005 2.159 2.324 2.47 2.686 2.956 3.237 3.434
42 1.768 2.018 2.178 2.347 2.495 2.708 2.977 3.236 3.469 3.71
43 2.024 2.194 2.367 2.52 2.729 3.001 3.252 3.504 3.709 3.963
44 2.184 2.371 2.54 2.712 3.025 3.268 3.502 3.746 3.972 4.275
45 2.355 2.562 2.736 3.046 3.292 3.5 3.744 3.991 4.296 4.746
46 2.539 2.749 3.068 3.317 3.532 3.782 4.01 4.316 4.769 5.095
47 2.774 3.0__ 3.342 3.567 3.8 4.029 4.336 4.792 5.12 5.509
48 3.017 3.342 3.601 3.796 4.029 4.357 4.79 5.144 5.565 6.037
49 3.251 3.584 3.799 4.035 4.3_4 4.78_ 5.169 5.621 6.096 6.599
50 3.473 3.82 4.032 4.353 4.795 5.193 5.648 6.128 6.632 7.401
51 3.686 4.059 4.296 4.721 5.233 5.675 6.158 6.___ 7.468 8.255
52 3.8__ 4.212 4.601 5.109 5.693 6.1__ 6.7__ 7.544 8.339 9.147
53 4.142 4.601 5.0__ 5.639 6.216 6.814 7.62 8.423 9.24 10.262
54 4.524 5.016 5.5__ 6.207 6.876 7.697 8.50_ 9.286 10.355 11.124
55 4.93 5.45 6.097 6.92 7.754 8.594 9.379 10.449 11.237 12.033
56 5.354 5.909 6.765 7.693 8.669 9.474 10.544 11.35 12.142 13.092
57 5.803 6.49 7._53 8.503 9.57 10._51 11.441 12.201 13.197 14.286
58 6.229 7.093 8.256 9.628 10.719 11.522 12.324 13.289 14.354 15.122
59 6.815 7.684 8.97 10.452 11.612 12.449 13.352 14.4__ 15.192 16.401
60 7.391 8.384 9.732 11.193 12.564 13.487 14.5__ 15.262 16.381 18.275
61 8.074 9.137 10.415 11.967 13.561 14.638 15.247 16.546 18.141 21.425
62 8.809 9.824 11.127 12.755 14.__1 15.401 16.713 18.217 21.519 25.04
63 9.384 10.553 11.945 13.612 15.556 16.__ 18.293 21.613 25.012 28.491
64 9.977 11.304 12.841 14.542 16.82 18.368 21.706 25.123 2_.618 32.293
65 10.572 12.126 13.824 15.837 18.4_5 21.8 25.233 2_.907 32.62 36.364
66 11.211 13.025 15.177 17.52 21.__3 25.343 29.134 32.949 36.532 39.712
67 11.895 14.2__ 17._78 21.599 25.453 29.329 33.097 36.___ 40.113 43.999
68 14.348 17.561 21.558 25.415 29.457 33.431 36.__3 40.29_ 44.205 49.479
69 17.50_ 21.739 25.397 29.417 33.58 37.033 40.483 44.41 49.979 57.445
70 20.671 24.725 2_.92_ 33.272 36.991 40.532 44.371 49.941 57.531 67.063
71 23.756 28.2__ 32.684 36.861 40.624 44.524 50.336 57.863 67.451 78.784
72 27.53 32.275 36.046 40.438 44.625 50.124 58.258 67.767 79.24 90.196
73 31.108 35.768 39.828 44.473 50.183 58.529 68.157 79.356 90.138 99.216
74 34.355 39.107 43.755 49.447 58.477 68.396 79.812 91.048 100.219 105.91
75 37.612 43.017 48.405 57.77 68.863 79.919 91.77 101.231 106.526 108.894
76 41.458 47.279 5_.386 68.267 80.285 92.297 101.707 107.259 109.878 118.206
77 46.01 54.969 66.499 79.314 92.019 102.182 107.764 110.286 118.903 130.639
78 52.848 64.786 78.315 90.706 102.096 10_.386 110.927 119.476 131.358 142.475
79 62.051 76.196 89.563 100.312 106.537 110.494 119.796 131.875 143.914 153.87
80 73.476 88.388 99.048 106.415 110.765 119.961 132.349 145.368 155.424 166.5_7
81 84.029 96.596 104.722 106.472 120.268 132.213 146.836 156.994 168.25 180.725
82 94.069 102.132 107.733 119.961 133.451 146.319 158.58 169.949 182.551 196.988
83 101.69 106.573 120.968 134.701 149.817 180.181 171.666 184.395 198.978 215.7
84 109.406 122.024 135.9_2 151.331 161.799 173.4 186.257 200.988 217.879 237.271
Age 21 22 23 24 25 UR
--- ------ ------- ------- ------- ------- -------
0 0.306 0.3__ 0.314 0.302 0.297 0.305
1 0.331 0.317 0.305 0.3 0.309 0.332
2 0.32 0.30_ 0.30_ 0.312 0.336 0.358
3 0.312 0.30_ 0.315 0.339 0.362 0.373
4 0.309 0.318 0.342 0.365 0.377 0.356
5 0.321 0.346 0.3_9 0.3_ 0.36 0.346
6 0.349 0.373 0.384 0.364 0.349 0.348
7 0.376 0.388 0.367 0.353 0.351 0.36
8 0.3_2 0.371 0.35_ 0.355 0.364 0.373
9 0.375 0.36 0.358 0.367 0.377 0.383
10 0.363 0.362 0.371 0.381 0.387 0.396
11 0.366 0.375 0.384 0.391 0.4 0.41
12 0.379 0.388 0.395 0.404 0.414 0.42_
13 0.3_2 0.399 0.406 0.418 0.433 0.449
14 0.403 0.412 0.423 0.437 0.453 0.465
15 0.416 0.427 0.441 0.458 0.469 0.486
16 0.431 0.446 0.463 0.474 0.491 0.527
17 0.45 0.467 0.479 0.496 0.533 0.579
18 0.472 0.484 0.501 0.538 0.585 0.637
19 0.489 0.506 0.543 0.591 0.643 0.7
20 0.511 0.549 0.597 0.65 0.707 0.772
21 0.554 0.603 0.656 0.714 0.78 0.861
22 0.609 0.663 0.721 0.788 0.87 0.955
23 0.669 0.726 0.796 0.879 0.965 1.058
24 0.736 0.804 0.887 0.974 1.069 1.17
25 0.812 0.896 0.964 1.06 1.182 1.2_7
26 0.905 0.994 1.091 1.194 1.3 1.421
27 1.004 1.102 1.206 1.313 1.435 1.584
28 1.113 1.218 1.326 1.449 1.6 1.762
29 1.23 1.34 1.464 1.616 1.779 1.925
30 1.353 1.479 1.632 1.797 1.945 2.086
31 1.494 1.649 1.816 1.964 2.107 2.263
32 1.665 1.834 1.984 2.129 2.286 2.486
33 1.852 2.004 2.15 2.309 2.511 2.769
34 2.024 2.172 2.332 2.536 2.797 3.079
35 2.189 2.356 2.562 2.825 3.11 3.402
36 2.368 2.588 2.854 3.141 3.436 3.675
37 2.606 2.883 3.173 3.471 3.713 3.957
38 2.897 3.192 3.471 3.713 3.957 4.28
39 3.221 3.401 3._75 3.997 4.28 4.653
40 3.435 3.674 3.917 4.236 4.606 5.047
41 3.673 3.915 4.214 4.653 4.971 5.457
42 3.934 4.234 4.676 4.996 5.348 5.888
43 4.255 4.699 5.021 5.375 5.829 6.437
44 4.722 5.046 5.401 5.888 6.372 7.103
45 5.07 5.458 5.918 6.404 7.103 7.851
46 5.482 5.947 6.436 7.175 7.851 8.743
47 6.007 6.501 7.247 7.93 8.743 9.73
48 6.533 7.321 8.01 8.831 9.796 10.687
49 7.357 8.091 8.893 9.897 10.687 11.726
50 8.173 9.9_3 9.967 10.762 11.609 12.84
51 9.056 10._78 10.838 11.702 12.58 14.083
52 10.17 10.936 11.76 12.707 13.799 15.476
53 11.036 11.842 12.836 13.936 14.772 17.35
54 11.925 12.939 14.079 14.842 16.298 19.776
55 13.029 14.148 14.833 16.266 18.378 22.792
56 14.217 14.963 16.272 18.362 20.95 26.194
57 15.053 16.255 18.343 20.929 25.665 29.971
58 16.237 18.323 21.023 25.657 27.549 33.782
59 18.3 21.117 25.376 27.736 31.393 37.213
60 21.33 25.3_ 27.892 31.607 35.334 40.639
61 25.341 2_.0_ 31.856 35._91 38.587 44.543
62 2_.301 32.002 35.86 38.976 42.743 50.09
63 32.148 3_.02_ 39.161 42.72 47.813 57.535
64 36.19_ 3_.345 43.152 48.04 55.152 67.384
65 39.742 43.356 48.526 55.651 64.661 78.992
66 43.559 48.859 56.153 65.245 75.8 90.338
67 4_.248 56.601 65.7__ 76.404 87.6 99.904
68 56.87 66.29 77.095 88.024 96.877 105.627
69 66.605 77.709 88.448 96.836 102.426 108.031
70 78.079 88._71 97._14 103.138 105.631 115.805
71 89.294 96.386 103.962 105.816 114.752 124.488
72 9_.75 104.682 10_.439 115.557 124.885 134.137
73 105.295 107.514 116.008 125.873 135.492 144.865
74 10_.14_ 116.818 127.016 136.861 146.329 15_.82
75 117.45 12_.169 138.243 147.807 158.404 170.149
76 129.3__ 139.64 149.3 160.004 171.868 185.46
77 141.05 150.80_ 1_1.62 173.604 187.334 203.077
78 152.331 163.253 175.357 189.226 205.128 223.386
79 164.902 177.129 191.137 207.2 225.642 246.841
80 17_.918 193.068 209.293 227.922 249.334 273.993
81 195.018 211.407 230.224 251.853 276.761 306.87
82 213.543 232.549 254.397 279.557 309.97 346.761
83 234.___ 256.967 2_2.3_ 313.101 350.264 395.307
84 25_.5_2 285.233 316.264 353.802 399.3 454.604
85 18.__1 24.288 31.849 39.666 54.474 67.821 81.727 94.402 103.915 110.244
86 24.207 30.425 38.919 51.816 68.713 82.912 96.104 105.674 112.06 124.121
87 29._35 38.124 50.777 69.602 84.123 97.62 107.646 114.09 126.362 139.817
88 37.2_1 49.859 68.5_5 85.33_ 99.158 109.466 116.27 128.743 142.50_ 157.538
89 47.46 __.822 84.67 100.718 111.316 118.354 131.255 145.30_ 160.753 170.138
90 67.775 86.261 100.557 113.195 120.474 133.727 148.227 164.034 173.61 184.178
91 _4.624 102.485 113.633 122.647 136.26 151.141 167.382 177.153 187.937 199.833
92 101.438 115.85 123.703 138.826 154.112 170.798 180.769 191.772 203.911 217.815
93 115.566 126.138 140.625 157.142 174.283 184.458 195.686 20_.072 222.26 238.505
94 126.688 143.431 159.793 177.84 188.222 199.68 212.319 226.796 243.373 2_2.357
95 144.907 163.02 181.47 192.063 203.75_ 216.652 231.425 24_.339 267.711 2__.904
96 165.575 185.173 195.983 207.913 221.073 236.148 253.406 273.175 295.821 321.793
97 188.952 199.983 212.156 225.585 240.967 258.579 278.75 301.858 326.361 3_0.406
98 204.064 216.486 230.189 245.885 263.___ 284.43_ 308.018 335.062 367.761 407.256
99 220.904 234.886 250.903 2__.241 290.243 314.304 341.9 375.266 415.567 464.271
85 123.068 137.235 152.859 163.434 175.152 188.138 203.018 220.079 239.668 262.184
86 138.52 154.403 165.085 176.921 190.039 205.068 222.302 242.069 264.832 291.024
87 155.963 166.752 178.708 191.958 207.14 224.548 244.534 267.507 293.964 325.945
88 168.437 180.513 193.897 209.232 226.816 247.004 270.21 296.933 329.237 368.315
89 182.336 195.856 211.346 229.107 249.499 272.939 299.932 332.563 372.035 419.878
90 197.834 213.48 231.421 252.019 275.696 302.962 335.922 375.793 424.119 482.86
91 215.637 233.759 254.585 278.481 306.022 339.315 379.589 426.403 487.738 603.215
92 236.12 257.136 281.294 309.113 342.742 383.423 432.731 4_2.6_5 609.30_ 0
93 259.734 284.135 312.236 346.204 387.296 437.102 497.641 615.463 0 0
94 287.006 315.39 349.701 391.208 441.517 502.668 621.68 0 0 0
95 318.575 353.234 395.16 445.977 507.745 627.959 0 0 0 0
96 356.802 399.151 450.481 512.874 634.302 0 0 0 0 0
97 403.183 455.032 518.054 640.709 0 0 0 0 0 0
98 459.628 523.287 647.181 0 0 0 0 0 0 0
99 528.573 653.718 0 0 0 0 0 0 0 0
85 2__.114 319.458 357.376 403.333 459.196 567.915
86 322.685 360.985 407.407 463.834 573.652 0
87 364.632 411.523 468.519 579.44_ 0 0
88 415.679 473.252 585.299 0 0 0
89 478.032 591.211 0 0 0 0
90 597.183 0 0 0 0 0
91 0 0 0 0 0 0
92 0 0 0 0 0 0
93 0 0 0 0 0 0
94 0 0 0 0 0 0
95 0 0 0 0 0 0
96 0 0 0 0 0 0
97 0 0 0 0 0 0
98 0 0 0 0 0 0
99 0 0 0 0 0 0