112 MATHEMATICS OF LIFE INSURANCE

TABLE II.—AMERICAN EXPERIENCE TABLE OF MORTALITY

1 2 3 4 5

Yearly Yearly
probability of probability of
। Number dying dying Qx living
Age X Number living lx dx
10 100000 749 0.00749 0.99251
11 99251 746 0.007516 0.992484
12 98505 743 0.007543 0.992457
13 97762 740 0.007569 0.992421
14 97022 737 0.007596 0.992404
15 96285 735 0.007634 0.992366
16 95550 732 0.007661 0.992339
17 94818 729 0.007688 0.992312
18 94089 727 0.007727 0.992273
19 93362 725 0.007765 0.992235
20 92637 723 0.007805 0.992195
21 91914 722 0.007855 0.992145
22 91192 721 0.007906 0.992094
23 90471 720 0.007958 0.992042
24 89751 719 0.008011 0.991989
25 89032 718 0.008065 0.991935
26 88314 718 0.00813 0.99187
27 87596 718 0.008197 0.991803
28 86878 718 0.008264 0.991736
29 86160 719 0.008345 0.991655
30 85441 720 0.008427 0.991573
31 84721 721 0.00851 0.99149
32 84000 723 0.008607 0.991393
33 83277 726 0.008718 0.991282
34 82551 729 0.008831 0.991169
35 81822 732 0.008946 0.991054
36 81090 737 0.009089 0.990911
37 80353 742 0.009234 0.990766
38 79611 749 0.009408 0.990592
39 78862 756 0.009586 0.990414
40 78106 765 0.009794 0.990206
41 77341 774 0.010008 0.989992
42 76567 785 0.010252 0.989748
43 75782 797 0.010517 0.989483
44 74985 812 0.010829 0.989171
45 74173 828 0.011163 0.988837
46 73345 848 0.011562 0.988438
47 72497 870 0.012 0.988
48 71627 896 0.012509 0.987491
49 70731 927 0.013106 0.986894
50 69804 962 0.013781 0.986219
51 68842 1001 0.014541 0.985459
52 67841 1044 0.015389 0.984611
53 66797 1091 0.016333 0.983667
54 65706 1143 0.017396 0.982604
55 64563 1199 0.018571 0.981429
56 63361 1260 0.019885 0.980115
57 62104 1325 0.021335 0.978665
58 60779 1394 0.022936 0.977064
59 59385 1468 0.02472 0.97528
60 57917 1546 0.026693 0.973307
61 56371 1628 0.02888 0.97112
62 54743 1713 0.031292 0.968708
63 53030 1800 0.033943 0.966057
64 51230 1889 0.036873 0.963127
65 49341 1980 0.040129 0.959871
66 47361 2070 0.043707 0.956293
67 45291 2158 0.047647 0.952353
68 43133 2243 0.052002 0.947998
69 40890 2321 0.056762 0.943238
70 38569 2391 0.061993 0.938007
71 36178 2448 0.067665 0.932335
72 33730 2487 0.073733 0.926267
73 31243 2505 0.080178 0.919822
74 28738 2501 0.087028 0.912972
75 26237 2476 0.094371 0.905629
76 23761 2431 0.102311 0.897689
77 21330 2369 0.111064 0.888936
78 18961 2291 0.120827 0.879173
79 16670 2196 0.131734 0.868266
80 14474 2091 0.144466 0.855534
81 12383 1964 0.158605 0.841395
82 10419 1816 0.174297 0.825703
83 8603 1648 0.191561 0.808439
84 6955 1470 0.211359 0.788641
85 5485 1292 0.235552 0.764448
86 4193 1114 0.265681 0.734319
87 3079 933 0.30302 0.69698
88 2146 744 0.346692 0.653308
89 1402 555 0.395863 0.604137
90 847 385 0.454545 0.545455
91 462 246 0.532466 0.467534
92 216 137 0.634259 0.365741
93 79 58 0.734177 0.265823
94 21 18 0.857143 0.142857
95 3 3 1 0
96
 0.035

6 7 8 9 10 11

Complete
expectation of
life ex0 vx Dx Nx Sx Cx

48.72 0.7089188137 70891.9 1575535.3 30252740.956 513.02433958

48.09 0.6849457137 67951.5 1504643.4 28677205.656 493.69034052
47.45 0.6617832983 65189 1436661.9 27172562.256 475.07728563
46.8 0.6394041529 62509.4 1371472.9 25735900.356 457.1585248
46.16 0.6177817903 59938.4 1308963.5 24364427.456 439.90838593
45.51 0.5968906186 57471.6 1249025 23055463.956 423.87884511
44.85 0.5767059117 55104.2 1191553.4 21806438.956 407.87316655
44.19 0.5572037794 52832.9 1136449.2 20614885.556 392.46527073
43.53 0.5383611396 50653.9 1083616.2 19478436.356 378.15318691
42.87 0.5201556904 48562.8 1032962.4 18394820.156 364.36026621
42.2 0.5025658844 46556.2 984399.6 17361857.756 351.06776275
41.53 0.4855709028 44630.8 937843.3 16377458.156 338.72675541
40.85 0.4691506308 42782.8 893212.5 15439614.856 326.81894181
40.17 0.4532856336 41009.2 850429.7 14546402.356 315.3291364
39.49 0.4379571339 39307.1 809420.5 13695972.656 304.24268529
38.81 0.4231469893 37673.6 770113.4 12886552.156 293.54544763
38.12 0.4088376708 36106.1 732439.8 12116438.756 283.61878998
37.43 0.3950122423 34601.5 696333.7 11383998.956 274.02781641
36.73 0.3816543404 33157.4 661733.2 10687665.256 264.76117527
36.03 0.368748155 31771.3 628574.8 10025932.056 256.16417722
35.33 0.3562784106 30440.8 596803.6 9397357.2556 247.84585085
34.63 0.3442303484 29163.5 566362.9 8800553.6556 239.79717991
33.92 0.3325897086 27937.5 537199.3 8234190.7556 232.33078195
33.21 0.3213427136 26760.5 509261.8 7696991.4556 225.40561362
32.5 0.3104760518 25630.1 482501.3 7187729.6556 218.68313215
31.78 0.2999768617 24544.7 456871.2 6705228.3556 212.15754854
31.07 0.2898327166 23502.5 432326.5 6248357.1556 206.38329673
30.35 0.2800316102 22501.4 408824 5816030.6556 200.75696114
29.63 0.2705619422 21539.7 386322.6 5407206.6556 195.79796593
28.9 0.2614125046 20615.5 364782.9 5020884.0556 190.94478596
28.18 0.2525724682 19727.4 344167.4 4656101.1556 186.68399823
27.45 0.2440313702 18873.6 324440 4311933.7556 182.4930247
26.72 0.2357791017 18052.9 305566.3 3987493.7556 178.82762784
25.99 0.2278058953 17263.6 287513.4 3681927.4556 175.42154453
25.27 0.2201023143 16504.4 270249.8 3394414.0556 172.67930362
24.54 0.2126592409 15773.6 253745.5 3124164.2556 170.12739273
23.81 0.2054678656 15070 237971.9 2870418.7556 168.34468603
23.08 0.1985196769 14392.1 222901.9 2632446.8556 166.87161248
22.35 0.1918064511 13738.5 208509.8 2409544.9556 166.0469374
21.63 0.1853202426 13107.9 194771.3 2201035.1556 165.98247819
20.91 0.1790533745 12498.6 181663.4 2006263.8556 166.42448918
20.2 0.1729984295 11909.6 169164.7 1824600.4556 167.3153893
19.49 0.1671482411 11339.5 157255.2 1655435.7556 168.60170402
18.79 0.1614958851 10787.4 145915.7 1498180.5556 170.23382669
18.09 0.1560346716 10252.4 135128.2 1352264.8556 172.31655035
17.4 0.1507581368 9733.4 124875.8 1217136.6556 174.64638262
16.72 0.1456600355 9229.6 115142.4 1092260.8556 177.32526066
16.05 0.1407343339 8740.17 105912.8 977118.45558 180.16714238
15.39 0.1359752018 8264.44 97172.64 871205.65558 183.13954715
14.74 0.1313770066 7801.83 88908.2 774033.01558 186.339561
14.1 0.1269343059 7351.65 81106.38 685124.81558 189.60428682
13.47 0.1226418414 6913.44 73754.73 604018.43558 192.90909934
12.86 0.1184945328 6486.75 66841.28 530263.70558 196.11703829
12.26 0.1144874713 6071.27 60354.54 463422.42558 199.10864569
11.67 0.1106159143 5666.85 54283.27 403067.88558 201.88740295
11.1 0.1068752795 5273.33 48616.41 348784.61558 204.45705641
10.54 0.1032611396 4890.55 43343.08 300168.20558 206.52227921
10 0.099769217 4518.65 38452.53 256825.12558 208.02122735
9.47 0.0963953788 4157.82 33933.88 218372.59558 208.90322178
8.97 0.0931356316 3808.32 29776.06 184438.71558 208.85777879
8.48 0.0899861175 3470.67 25967.74 154662.65558 207.88097296
8 0.0869431087 3145.43 22497.07 128694.91558 205.63935281
7.55 0.0840030036 2833.42 19351.64 106197.84558 201.8506956
7.11 0.0811623223 2535.75 16518.22 86846.205582 196.43634532
6.68 0.0784177027 2253.57 13982.47 70327.985582 189.49050677
6.27 0.0757658964 1987.87 11728.9 56345.515582 181.25252112
5.88 0.0732037646 1739.39 9741.028 44616.615582 171.94043644
5.49 0.070728275 1508.63 8001.633 34875.587582 161.8891627
5.11 0.0683364976 1295.73 6492.999 26873.954582 151.26465303
4.75 0.0660256015 1100.65 5197.271 20380.955582 140.08910231
4.39 0.0637928517 923.338 4096.624 15183.684582 128.8800511
4.05 0.0616356055 763.234 3173.286 11087.060582 116.95877217
3.71 0.0595513097 620.465 2410.052 7913.774582 104.48809502
3.39 0.0575374973 494.995 1789.587 5503.722582 91.61526133
3.08 0.0555917848 386.641 1294.592 3714.135582 78.95644796
2.77 0.0537118694 294.61 907.9513 2419.543582 67.04901953
2.47 0.051895526 217.598 613.3417 1511.592282 55.85663373
2.18 0.0501406048 154.383 395.7438 898.250582 45.199211849
1.91 0.0484450288 103.963 241.3609 502.506782 34.82425257
1.66 0.0468067911 65.6231 137.3978 261.145882 25.099293772
1.42 0.0452239527 38.3047 71.7747 123.748082 16.822436528
1.19 0.0436946403 20.1869 33.47001 51.973382 10.385392774
0.98 0.0422170438 9.11889 13.28309 18.503372 5.5881497589
0.8 0.0407894143 3.22236 4.16421 5.220282 2.2857836032
0.64 0.0394100621 0.827611 0.94184 1.056072 0.6853923848
0.5 0.0380773547 0.114232 0.114232 0.114232 0.1103691441
0.0367897147
 12 13 14 15

Mx Rx Ux kx

17612.910225 552495.73597 1.04281 0.00755

17099.885885 534882.82575 1.04284 0.00757
16606.195545 517782.93986 1.04287 0.0076
16131.118259 501176.74432 1.04289 0.00763
15673.959734 485045.62606 1.04292 0.00765
15234.051348 469371.66632 1.04296 0.00769
14810.172503 454137.61497 1.04299 0.00772
14402.299337 439327.44247 1.04302 0.00775
14009.834066 424925.14313 1.04306 0.00779
13631.680879 410915.30907 1.0431 0.00783
13267.320613 397283.62819 1.04314 0.00787
12916.25285 384016.30758 1.0432 0.00792
12577.526095 371100.05473 1.04325 0.00797
12250.707153 358522.52863 1.0433 0.00802
11935.378017 346271.82148 1.04336 0.00808
11631.135331 334336.44346 1.04341 0.00813
11337.589884 322705.30813 1.04348 0.0082
11053.971094 311367.71825 1.04355 0.00826
10779.943277 300313.74715 1.04363 0.00833
10515.182102 289533.80387 1.04371 0.00842
10259.017925 279018.62177 1.0438 0.0085
10011.172074 268759.60385 1.04388 0.00858
9771.374894 258748.43177 1.04398 0.00868
9539.0441121 248977.05688 1.0441 0.0088
9313.6384985 239438.01277 1.04422 0.00891
9094.9553663 230124.37427 1.04434 0.00903
8882.7978178 221029.4189 1.04449 0.00917
8676.414521 212146.62109 1.04465 0.00932
8475.6575599 203470.20656 1.04483 0.0095
8279.859594 194994.549 1.04502 0.00968
8088.914808 186714.68941 1.04524 0.00989
7902.2308098 178625.7746 1.04546 0.01011
7719.7377851 170723.54379 1.04572 0.01036
7540.9101572 163003.80601 1.046 0.01063
7365.4886127 155462.89585 1.04633 0.01095
7192.8093091 148097.40724 1.04669 0.01129
7022.6819164 140904.59793 1.0471 0.0117
6854.3372303 133881.91601 1.04757 0.01215
6687.4656179 127027.57878 1.04811 0.01267
6521.4186805 120340.11316 1.04875 0.01328
6355.4362023 113818.69448 1.04946 0.01397
6189.0117131 107463.25828 1.05028 0.01476
6021.6963238 101274.24657 1.05118 0.01563
5853.0946198 95252.550244 1.05218 0.0166
5682.8607931 89399.455624 1.05332 0.0177
5510.5442427 83716.594831 1.05459 0.01892
5335.8978601 78206.050589 1.056 0.02029
5158.5725995 72870.152728 1.05756 0.0215
4978.4054571 67711.580129 1.0593 0.02347
4795.2659099 62733.174672 1.06124 0.02535
4608.9263489 57937.908762 1.06339 0.02743
4419.3220621 53328.982413 1.06578 0.02974
4226.4129628 48909.660351 1.06843 0.0323
4030.2959245 44683.247388 1.07137 0.03514
3831.1872788 40652.951464 1.07463 0.03829
3629.2998758 36821.764185 1.07827 0.04181
3424.8428194 33192.464309 1.0823 0.0457
3218.3205402 29767.62149 1.08678 0.05003
3010.2993129 26549.30095 1.09177 0.05485
2801.3960911 23539.001637 1.09729 0.06018
2592.5383123 20737.605546 1.1034 0.06609
2384.6573393 18145.067233 1.11012 0.07258
2179.0179865 15760.409894 1.11739 0.0796
1977.1672909 13581.391907 1.12522 0.08717
1780.7309456 11604.224617 1.13366 0.09532
1591.2404388 9823.4936709 1.14286 0.0142
1409.9879177 8232.2532321 1.15296 0.11397
1238.0474813 6822.2653144 1.16431 0.12494
1076.1583186 5584.2178331 1.17724 0.13743
924.89366553 4508.0595146 1.19203 0.15172
784.80456322 3583.165849 1.20977 0.16886
655.92451212 2798.3612858 1.2301 0.1885
538.96573995 2142.4367737 1.25348 0.21109
434.47764493 1603.4710337 1.28024 0.23695
342.8623836 1168.9933888 1.31238 0.268
263.90593564 826.1310052 1.35392 0.30813
196.85691611 562.22506956 1.40947 0.36181
141.00028239 365.36815344 1.48498 0.43476
95.801070536 224.36787106 1.58424 0.53067
60.976817965 128.56680052 1.71319 0.65525
35.877524193 67.589982554 1.8975 0.83333
19.055087665 31.712458361 2.21375 1.13889
8.6696948909 12.657370696 2.82988 1.73418
3.081545132 3.987675805 3.89357 2.76191
0.7957615288 0.9061306729 7.245 6
0.1103691441 0.1103691441