Treasury Regulations, Subchapter A, Sec. 1.72-9
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Sec. 1.72-9 Tables
The following tables are to be used in connection with computations under section 72 and the regulations thereunder. Tables I, II, IIA, III, and IV are to be used if the investment in the contract does not include a post-June 1986 investment in the contract (as defined in §1.72–6(d)(3)). Tables V, VI, VIA, VII, and VIII are to be used if the investment in the contract includes a post-June 1986 investment in the contract (as defined in §1.72–6(d)(3)).
In the case of a contract under which amounts are received as an annuity after June 30, 1986, a taxpayer receiving such amounts may elect to treat the entire investment in the contract as post-June 1986 investment in the contract and thus apply Tables V through VIII. A taxpayer may make the election for any taxable year in which such amounts are received by attaching to the taxpayer's return for such taxable year a statement that the taxpayer is electing under §1.72–9 to treat the entire investment in the contract as post-June 1986 investment in the contract. The statement must contain the taxpayer's name, address, and taxpayer identification number. The election is irrevocable and applies with respect to all amounts that the taxpayer receives as an annuity under the contract in the taxable year for which the election is made or in any subsequent taxable year. (Note that for purposes of the examples in §§1.72–4 through 1.72–11 the election described in this section is disregarded (i.e., it assumed that the taxpayer does not make an election under this section).) See also §1.72–6(d)(3) for rules treating the entire investment in a contract as post-June 1986 investment in a contract if the annuity starting date of the contract is after June 30, 1986, and the contract provides for a disqualifying form of payment or settlement, such as an option to receive a lump sum in full discharge of the obligation under the contract. In addition, see §1.72–6(d) for special rules concerning the tables to be used and the separate computations required if the investment in the contract includes both a pre-July 1986 investment in the contract and a post-June 1986 investment in the contract and the election described in §1.72–6(d)(6) is made with respect to the contract.
Table I_Ordinary Life Annuities_One Life_Expected Return Multiples
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Ages
------------------------------------------------------------- Multiples
Male Female
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6............................................... 11 65.0
7............................................... 12 64.1
8............................................... 13 63.2
9............................................... 14 62.3
10.............................................. 15 61.4
11.............................................. 16 60.4
12.............................................. 17 59.5
13.............................................. 18 58.6
14.............................................. 19 57.7
15.............................................. 20 56.7
16.............................................. 21 55.8
17.............................................. 22 54.9
18.............................................. 23 53.9
19.............................................. 24 53.0
20.............................................. 25 52.1
21.............................................. 26 51.1
22.............................................. 27 50.2
23.............................................. 28 49.3
24.............................................. 29 48.3
25.............................................. 30 47.4
26.............................................. 31 46.5
27.............................................. 32 45.6
28.............................................. 33 44.6
29.............................................. 34 43.7
30.............................................. 35 42.8
31.............................................. 36 41.9
32.............................................. 37 41.0
33.............................................. 38 40.0
34.............................................. 39 39.1
35.............................................. 40 38.2
36.............................................. 41 37.3
37.............................................. 42 36.5
38.............................................. 43 35.6
39.............................................. 44 34.7
40.............................................. 45 33.8
41.............................................. 46 33.0
42.............................................. 47 32.1
43.............................................. 48 31.2
44.............................................. 49 30.4
45.............................................. 50 29.6
46.............................................. 51 28.7
47.............................................. 52 27.9
48.............................................. 53 27.1
49.............................................. 54 26.3
50.............................................. 55 25.5
51.............................................. 56 24.7
52.............................................. 57 24.0
53.............................................. 58 23.2
54.............................................. 59 22.4
55.............................................. 60 21.7
56.............................................. 61 21.0
57.............................................. 62 20.3
58.............................................. 63 19.6
59.............................................. 64 18.9
60.............................................. 65 18.2
61.............................................. 66 17.5
62.............................................. 67 16.9
63.............................................. 68 16.2
64.............................................. 69 15.6
65.............................................. 70 15.0
66.............................................. 71 14.4
67.............................................. 72 13.8
68.............................................. 73 13.2
69.............................................. 74 12.6
70.............................................. 75 12.1
71.............................................. 76 11.6
72.............................................. 77 11.0
73.............................................. 78 10.5
74.............................................. 79 10.1
75.............................................. 80 9.6
76.............................................. 81 9.1
77.............................................. 82 8.7
78.............................................. 83 8.3
79.............................................. 84 7.8
80.............................................. 85 7.5
81.............................................. 86 7.1
82.............................................. 87 6.7
83.............................................. 88 6.3
84.............................................. 89 6.0
85.............................................. 90 5.7
86.............................................. 91 5.4
87.............................................. 92 5.1
88.............................................. 93 4.8
89.............................................. 94 4.5
90.............................................. 95 4.2
91.............................................. 96 4.0
92.............................................. 97 3.7
93.............................................. 98 3.5
94.............................................. 99 3.3
95.............................................. 100 3.1
96.............................................. 101 2.9
97.............................................. 102 2.7
98.............................................. 103 2.5
99.............................................. 104 2.3
100............................................. 105 2.1
101............................................. 106 1.9
102............................................. 107 1.7
103............................................. 108 1.5
104............................................. 109 1.3
105............................................. 110 1.2
106............................................. 111 1.0
107............................................. 112 .8
108............................................. 113 .7
109............................................. 114 .6
110............................................. 115 .5
111............................................. 116 0
------------------------------------------------------------------------
Table II_Ordinary Joint Life and Last Survivor Annuities_Two Lives_Expected Return Multiples
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Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
-------------------------------------------------------------------------------------------------------------------------------------------
Female 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
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6............................... 11................ 73.5 73.0 72.6 72.2 71.8 71.4 71.0 70.7 70.4 70.0 69.7 69.5 69.2 68.9 68.7
7............................... 12................ 73.0 72.6 72.1 71.7 71.3 70.9 70.5 70.1 69.8 69.4 69.1 68.8 68.5 68.3 68.0
8............................... 13................ 72.6 72.1 71.6 71.2 70.8 70.4 70.0 69.6 69.2 68.9 68.5 68.2 67.9 67.6 67.3
9............................... 14................ 72.2 71.7 71.2 70.7 70.3 69.9 69.4 69.0 68.7 68.3 67.9 67.6 67.3 67.0 66.7
10.............................. 15................ 71.8 71.3 70.8 70.3 69.8 69.4 68.9 68.5 68.1 67.7 67.4 67.0 66.7 66.4 66.1
11.............................. 16................ 71.4 70.9 70.4 69.9 69.4 68.9 68.5 68.0 67.6 67.2 66.8 66.5 66.1 65.8 65.4
12.............................. 17................ 71.0 70.5 70.0 69.4 68.9 68.5 68.0 67.5 67.1 66.7 66.3 65.9 65.5 65.2 64.8
13.............................. 18................ 70.7 70.1 69.6 69.0 68.5 68.0 67.5 67.1 66.6 66.2 65.8 65.4 65.0 64.6 64.2
14.............................. 19................ 70.4 69.8 69.2 68.7 68.1 67.6 67.1 66.6 66.1 65.7 65.3 64.8 64.4 64.0 63.7
15.............................. 20................ 70.0 69.4 68.9 68.3 67.7 67.2 66.7 66.2 65.7 65.2 64.8 64.3 63.9 63.5 63.1
16.............................. 21................ 69.7 69.1 68.5 67.9 67.4 66.8 66.3 65.8 65.3 64.8 64.3 63.8 63.4 63.0 62.6
17.............................. 22................ 69.5 68.8 68.2 67.6 67.0 66.5 65.9 65.4 64.8 64.3 63.8 63.4 62.9 62.5 62.0
18.............................. 23................ 69.2 68.5 67.9 67.3 66.7 66.1 65.5 65.0 64.4 63.9 63.4 62.9 62.4 62.0 61.5
19.............................. 24................ 68.9 68.3 67.6 67.0 66.4 65.8 65.2 64.6 64.0 63.5 63.0 62.5 62.0 61.5 61.0
20.............................. 25................ 68.7 68.0 67.3 66.7 66.1 65.4 64.8 64.2 63.7 63.1 62.6 62.0 61.5 61.0 60.6
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------------------------
Male Female Male 21 22 23 24 25 26 27 28 29 30 31 32 33 34
----------------------------------------------------------------------------------------------------------------------------------
Female 26 27 28 29 30 31 32 33 34 35 36 37 38 39
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6................................... 11..................... 68.4 68.2 68.0 67.8 67.6 67.5 67.3 67.1 67.0 66.8 66.7 66.6 66.5 66.4
7................................... 12..................... 67.8 67.5 67.3 67.1 66.9 66.7 66.5 66.4 66.2 66.1 65.9 65.8 65.7 65.6
8................................... 13..................... 67.1 66.8 66.6 66.4 66.2 66.0 65.8 65.6 65.4 65.3 65.1 65.0 64.9 64.7
9................................... 14..................... 66.4 66.2 65.9 65.7 65.4 65.2 65.0 64.8 64.7 64.5 64.3 64.2 64.1 63.9
10.................................. 15..................... 65.8 65.5 65.2 65.0 64.7 64.5 64.3 64.1 63.9 63.7 63.6 63.4 63.3 63.1
11.................................. 16..................... 65.1 64.8 64.6 64.3 64.1 63.8 63.6 63.4 63.2 63.0 62.8 62.6 62.5 62.3
12.................................. 17..................... 64.5 64.2 63.9 63.6 63.4 63.1 62.9 62.7 62.4 62.2 62.0 61.9 61.7 61.5
13.................................. 18..................... 63.9 63.6 63.3 63.0 62.7 62.4 62.2 61.9 61.7 61.5 61.3 61.1 60.9 60.8
14.................................. 19..................... 63.3 63.0 62.7 62.3 62.0 61.8 61.5 61.2 61.0 60.8 60.6 60.4 60.2 60.0
15.................................. 20..................... 62.7 62.4 62.0 61.7 61.4 61.1 60.8 60.6 60.3 60.1 59.8 59.6 59.4 59.2
16.................................. 21..................... 62.2 61.8 61.4 61.1 60.8 60.5 60.2 59.9 59.6 59.4 59.1 58.9 58.7 58.5
17.................................. 22..................... 61.6 61.2 60.9 60.5 60.2 59.8 59.5 59.2 58.9 58.7 58.4 58.2 57.9 57.7
18.................................. 23..................... 61.1 60.7 60.3 59.9 59.6 59.2 58.9 58.6 58.3 58.0 57.7 57.5 57.2 57.0
19.................................. 24..................... 60.6 60.2 59.7 59.4 59.0 58.6 58.3 57.9 57.6 57.3 57.0 56.8 56.5 56.3
20.................................. 25..................... 60.1 59.6 59.2 58.8 58.4 58.0 57.7 57.3 57.0 56.7 56.4 56.1 55.8 55.6
21.................................. 26..................... 59.6 59.1 58.7 58.3 57.9 57.5 57.1 56.7 56.4 56.0 55.7 55.4 55.1 54.9
22.................................. 27..................... 59.1 58.7 58.2 57.7 57.3 56.9 56.5 56.1 55.8 55.4 55.1 54.8 54.5 54.2
23.................................. 28..................... 58.7 58.2 57.7 57.2 56.8 56.4 55.9 55.5 55.2 54.8 54.4 54.1 53.8 53.5
24.................................. 29..................... 58.3 57.7 57.2 56.8 56.3 55.8 55.4 55.0 54.6 54.2 53.8 53.5 53.2 52.8
25.................................. 30..................... 57.9 57.3 56.8 56.3 55.8 55.3 54.9 54.4 54.0 53.6 53.2 52.9 52.5 52.2
26.................................. 31..................... 57.5 56.9 56.4 55.8 55.3 54.8 54.4 53.9 53.5 53.1 52.7 52.3 51.9 51.6
27.................................. 32..................... 57.1 56.5 55.9 55.4 54.9 54.4 53.9 53.4 53.0 52.5 52.1 51.7 51.3 50.9
28.................................. 33..................... 56.7 56.1 55.5 55.0 54.4 53.9 53.4 52.9 52.4 52.0 51.6 51.1 50.7 50.3
29.................................. 34..................... 56.4 55.8 55.2 54.6 54.0 53.5 53.0 52.4 52.0 51.5 51.0 50.6 50.2 49.3
30.................................. 35..................... 56.0 55.4 54.8 54.2 53.6 53.1 52.5 52.0 51.5 51.0 50.5 50.1 49.6 49.2
31.................................. 36..................... 55.7 55.1 54.4 53.8 53.2 52.7 52.1 51.6 51.0 50.5 50.0 49.5 49.1 48.7
32.................................. 37..................... 55.4 54.8 54.1 53.5 52.9 52.3 51.7 51.1 50.6 50.1 49.5 49.1 48.6 48.1
33.................................. 38..................... 55.1 54.5 53.8 53.2 52.5 51.9 51.3 50.7 50.2 49.6 49.1 48.6 48.1 47.6
34.................................. 39..................... 54.9 54.2 53.5 52.8 52.2 51.6 50.9 50.3 49.8 49.2 48.7 48.1 47.6 47.1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
--------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49
--------------------------------------------------------------------------------------------------------------------------------------------
Female 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54
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6.............................. 11................ 66.3 66.2 66.1 66.0 65.9 65.9 65.8 65.7 65.7 65.6 65.6 65.5 65.5 65.5 65.4
7.............................. 12................ 65.4 65.3 65.3 65.2 65.1 65.0 64.9 64.9 64.8 64.8 64.7 64.7 64.6 64.6 64.5
8.............................. 13................ 64.6 64.5 64.4 64.3 64.2 64.2 64.1 64.0 64.0 63.9 63.8 63.8 63.7 63.7 63.7
9.............................. 14................ 63.8 63.7 63.6 63.5 63.4 63.3 63.2 63.2 63.1 63.0 63.0 62.9 62.9 62.8 62.8
10............................. 15................ 63.0 62.9 62.8 62.7 62.6 62.5 62.4 62.3 62.2 62.2 62.1 62.0 62.0 61.9 61.9
11............................. 16................ 62.2 62.1 61.9 61.8 61.7 61.6 61.5 61.4 61.4 61.3 61.2 61.2 61.1 61.0 61.0
12............................. 17................ 61.4 61.3 61.1 61.0 60.9 60.8 60.7 60.6 60.5 60.4 60.4 60.3 60.2 60.2 60.1
13............................. 18................ 60.6 60.5 60.3 60.2 60.1 60.0 59.9 59.8 59.7 59.6 59.5 59.4 59.4 59.3 59.2
14............................. 19................ 59.8 59.7 59.5 59.4 59.3 59.1 59.0 58.9 58.8 58.7 58.6 58.6 58.5 58.4 58.4
15............................. 20................ 59.0 58.9 58.7 58.6 58.4 58.3 58.2 58.1 58.0 57.9 57.8 57.7 57.6 57.6 57.5
16............................. 21................ 58.3 58.1 57.9 57.8 57.6 57.5 57.4 57.2 57.1 57.0 56.9 56.8 56.8 56.7 56.6
17............................. 22................ 57.5 57.3 57.2 57.0 56.8 56.7 56.6 56.4 56.3 56.2 56.1 56.0 55.9 55.8 55.7
18............................. 23................ 56.8 56.6 56.4 56.2 56.0 55.9 55.7 55.6 55.5 55.4 55.2 55.1 55.1 55.0 54.9
19............................. 24................ 56.0 55.8 55.6 55.4 55.3 55.1 54.9 54.8 54.7 54.5 54.4 54.3 54.2 54.1 54.0
20............................. 25................ 55.3 55.1 54.9 54.7 54.5 54.3 54.1 54.0 53.8 53.7 53.6 53.5 53.4 53.3 53.2
21............................. 26................ 54.6 54.4 54.1 53.9 53.7 53.5 53.4 53.2 53.0 52.9 52.8 52.6 52.5 52.4 52.3
22............................. 27................ 53.9 53.6 53.4 53.2 53.0 52.8 52.6 52.4 52.2 52.1 51.9 51.8 51.7 51.6 51.5
23............................. 28................ 53.2 52.9 52.7 52.5 52.2 52.0 51.8 51.6 51.5 51.3 51.1 51.0 50.9 50.7 50.6
24............................. 29................ 52.5 52.3 52.0 51.7 51.5 51.3 51.1 50.9 50.7 50.5 50.3 50.2 50.0 49.9 49.8
25............................. 30................ 51.9 51.6 51.3 51.0 50.8 50.5 50.3 50.1 49.9 49.7 49.6 49.4 49.2 49.1 49.0
26............................. 31................ 51.2 50.9 50.6 50.3 50.1 49.8 49.6 49.4 49.2 49.0 48.8 48.6 48.4 48.3 48.1
27............................. 32................ 50.6 50.3 50.0 49.7 49.4 49.1 48.9 48.6 48.4 48.2 48.0 47.8 47.6 47.5 47.3
28............................. 33................ 50.0 49.6 49.3 49.0 48.7 48.4 48.2 47.9 47.7 47.5 47.2 47.1 46.9 46.7 46.5
29............................. 34................ 49.4 49.0 48.7 48.3 48.0 47.7 47.5 47.2 47.0 46.7 46.5 46.3 46.1 45.9 45.7
30............................. 35................ 48.8 48.4 48.1 47.7 47.4 47.1 46.8 46.5 46.2 46.0 45.8 45.5 45.3 45.2 45.0
31............................. 36................ 48.2 47.8 47.5 47.1 46.8 46.4 46.1 45.8 45.6 45.3 45.0 44.8 44.6 44.4 44.2
32............................. 37................ 47.7 47.3 46.9 46.5 46.1 45.8 45.5 45.2 44.9 44.6 44.3 44.1 43.9 43.7 43.4
33............................. 38................ 47.2 46.7 46.3 45.9 45.5 45.2 44.8 44.5 44.2 43.9 43.7 43.4 43.2 42.9 42.7
34............................. 39................ 46.7 46.2 45.8 45.4 45.0 44.6 44.2 43.9 43.6 43.3 43.0 42.7 42.5 42.2 42.0
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-----------------------------------------------------------------------------------------------------------------------------------
Male Female Male 50 51 52 53 54 55 56 57 58 59 60 61 62 63
-----------------------------------------------------------------------------------------------------------------------------------
Female 55 56 57 58 59 60 61 62 63 64 65 66 67 68
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6................................... 11.................... 65.4 65.4 65.3 65.3 65.3 65.3 65.3 65.2 65.2 65.2 65.2 65.2 65.2 65.2
7................................... 12.................... 64.5 64.5 64.4 64.4 64.4 64.4 64.3 64.3 64.3 64.3 64.3 64.3 64.3 64.2
8................................... 13.................... 63.6 63.6 63.5 63.5 63.5 63.5 63.4 63.4 63.4 63.4 63.4 63.4 63.3 63.3
9................................... 14.................... 62.7 62.7 62.7 62.6 62.6 62.6 62.5 62.5 62.5 62.5 62.5 62.4 62.4 62.4
10.................................. 15.................... 61.8 61.8 61.8 61.7 61.7 61.7 61.6 61.6 61.6 61.6 61.6 61.5 61.5 61.5
11.................................. 16.................... 61.0 60.9 60.9 60.8 60.8 60.8 60.7 60.7 60.7 60.7 60.6 60.6 60.6 60.6
12.................................. 17.................... 60.1 60.0 60.0 59.9 59.9 59.9 59.8 59.8 59.8 59.8 59.7 59.7 59.7 59.7
13.................................. 18.................... 59.2 59.1 59.1 59.0 59.0 59.0 58.9 58.9 58.9 58.9 58.8 58.8 58.8 58.8
14.................................. 19.................... 58.3 58.2 58.2 58.2 58.1 58.1 58.0 58.0 58.0 57.9 57.9 57.9 57.9 57.9
15.................................. 20.................... 57.4 57.4 57.3 57.3 57.2 57.2 57.1 57.1 57.1 57.0 57.0 57.0 57.0 56.9
16.................................. 21.................... 56.5 56.5 56.4 56.4 56.3 56.3 56.2 56.2 56.2 56.1 56.1 56.1 56.1 56.0
17.................................. 22.................... 55.7 55.6 55.5 55.5 55.4 55.4 55.3 55.3 55.3 55.2 55.2 55.2 55.1 55.1
18.................................. 23.................... 54.8 54.7 54.7 54.6 54.6 54.5 54.5 54.4 54.4 54.3 54.3 54.3 54.2 54.2
19.................................. 24.................... 53.9 53.9 53.8 53.7 53.7 53.6 53.6 53.5 53.5 53.4 53.4 53.4 53.3 53.3
20.................................. 25.................... 53.1 53.0 52.9 52.8 52.8 52.7 52.7 52.6 52.6 52.5 52.5 52.4 52.4 52.4
21.................................. 26.................... 52.2 52.1 52.0 52.0 51.9 51.8 51.8 51.7 51.7 51.6 51.6 51.5 51.5 51.5
22.................................. 27.................... 51.4 51.3 51.2 51.1 51.0 51.0 50.9 50.8 50.8 50.7 50.7 50.6 50.6 50.6
23.................................. 28.................... 50.5 50.4 50.3 50.2 50.2 50.1 50.0 50.0 49.9 49.8 49.8 49.7 49.7 49.7
24.................................. 29.................... 49.7 49.6 49.5 49.4 49.3 49.2 49.1 49.1 49.0 49.0 48.9 48.9 48.8 48.8
25.................................. 30.................... 48.8 48.7 48.6 48.5 48.4 48.3 48.3 48.2 48.1 48.1 48.0 48.0 47.9 47.9
26.................................. 31.................... 48.0 47.9 47.8 47.7 47.6 47.5 47.4 47.3 47.3 47.2 47.1 47.1 47.0 47.0
27.................................. 32.................... 47.2 47.1 46.9 46.8 46.7 46.6 46.5 46.5 46.4 46.3 46.2 46.2 46.1 46.1
28.................................. 33.................... 46.4 46.3 46.1 46.0 45.9 45.8 45.7 45.6 45.5 45.4 45.4 45.3 45.2 45.2
29.................................. 34.................... 45.6 45.4 45.3 45.2 45.1 44.9 44.8 44.7 44.7 44.6 44.5 44.4 44.4 44.3
30.................................. 35.................... 44.8 44.6 44.5 44.4 44.2 44.1 44.0 43.9 43.8 43.7 43.6 43.6 43.5 43.4
31.................................. 36.................... 44.0 43.9 43.7 43.6 43.4 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.6 42.0
32.................................. 37.................... 43.3 43.1 42.9 42.8 42.6 42.5 42.4 42.2 42.1 42.0 41.9 41.9 41.8 41.7
33.................................. 38.................... 42.5 42.3 42.1 42.0 41.8 41.7 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8
34.................................. 39.................... 41.8 41.6 41.4 41.2 41.0 40.9 40.7 40.6 40.5 40.4 40.3 40.2 40.1 40.0
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------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78
-------------------------------------------------------------------------------------------------------------------------------------------
Female 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83
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6............................... 11................ 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1
7............................... 12................ 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.1 64.1
8............................... 13................ 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.2 63.2 63.2 63.2 63.2 63.2
9............................... 14................ 62.4 62.4 62.4 62.4 62.4 62.4 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3
10.............................. 15................ 61.5 61.5 61.5 61.5 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4
11.............................. 16................ 60.6 60.6 60.6 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5
12.............................. 17................ 59.7 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.5 59.5
13.............................. 18................ 58.8 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.6 58.6 58.6 58.6 58.6
14.............................. 19................ 57.8 57.8 57.8 57.8 57.8 57.8 57.8 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7
15.............................. 20................ 56.9 56.9 56.9 56.9 56.9 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8
16.............................. 21................ 56.0 56.0 56.0 56.0 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.8
17.............................. 22................ 55.1 55.1 55.1 55.0 55.0 55.0 55.0 55.0 55.0 55.0 55.0 54.9 54.9 54.9 54.9
18.............................. 23................ 54.2 54.2 54.1 54.1 54.1 54.1 54.1 54.1 54.0 54.0 54.0 54.0 54.0 54.0 54.0
19.............................. 24................ 53.3 53.2 53.2 53.2 53.2 53.2 53.2 53.1 53.1 53.1 53.1 53.1 53.1 53.1 53.1
20.............................. 25................ 52.4 52.3 52.3 52.3 52.3 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.1 52.1
21.............................. 26................ 51.4 51.4 51.4 51.4 51.3 51.3 51.3 51.3 51.3 51.3 51.3 51.2 51.2 51.2 51.2
22.............................. 27................ 50.5 50.5 50.5 50.5 50.4 50.4 50.4 50.4 50.4 50.3 50.3 50.3 50.3 50.3 50.3
23.............................. 28................ 49.6 49.6 49.6 49.5 49.5 49.5 49.5 49.5 49.4 49.4 49.4 49.4 49.4 49.4 49.4
24.............................. 29................ 48.7 48.7 48.7 48.6 48.6 48.6 48.6 48.5 48.5 48.5 48.5 48.5 48.5 48.4 48.4
25.............................. 30................ 47.8 47.8 47.8 47.7 47.7 47.7 47.6 47.6 47.6 47.6 47.6 47.5 47.5 47.5 47.5
26.............................. 31................ 46.9 46.9 46.8 46.8 46.8 46.8 46.7 46.7 46.7 46.7 46.6 46.6 46.6 46.6 46.6
27.............................. 32................ 46.0 46.0 45.9 45.9 45.9 45.8 45.8 45.8 45.8 45.7 45.7 45.7 45.7 45.7 45.7
28.............................. 33................ 45.1 45.1 45.1 45.0 45.0 44.9 44.9 44.9 44.9 44.8 44.8 44.8 44.8 44.8 44.8
29.............................. 34................ 44.3 44.2 44.2 44.1 44.1 44.0 44.0 44.0 44.0 43.9 43.9 43.9 43.9 43.9 43.8
30.............................. 35................ 43.4 43.3 43.3 43.2 43.2 43.1 43.1 43.1 43.1 43.0 43.0 43.0 43.0 42.9 42.9
31.............................. 36................ 42.5 42.4 42.4 42.3 42.3 42.3 42.2 42.2 42.2 42.1 42.1 42.1 42.1 42.0 42.0
32.............................. 37................ 41.6 41.6 41.5 41.5 41.4 41.4 41.3 41.3 41.3 41.2 41.2 41.2 41.2 41.1 41.1
33.............................. 38................ 40.8 40.7 40.7 40.6 40.5 40.5 40.5 40.4 40.4 40.3 40.3 40.3 40.3 40.2 40.2
34.............................. 39................ 39.9 39.9 39.8 39.7 39.7 39.6 39.6 39.5 39.5 39.5 39.4 39.4 39.4 39.3 39.3
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------------------------
Male Female Male 79 80 81 82 83 84 85 86 87 88 89 90 91 92
----------------------------------------------------------------------------------------------------------------------------------
Female 84 85 86 87 88 89 90 91 92 93 94 95 96 97
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6................................... 11..................... 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.0 65.0 65.0 65.0 65.0
7................................... 12..................... 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1
8................................... 13..................... 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2
9................................... 14..................... 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3
10.................................. 15..................... 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4
11.................................. 16..................... 60.5 60.5 60.5 60.5 60.5 60.5 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4
12.................................. 17..................... 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5
13.................................. 18..................... 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6
14.................................. 19..................... 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7
15.................................. 20..................... 56.8 56.8 56.8 56.8 56.8 56.8 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7
16.................................. 21..................... 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8
17.................................. 22..................... 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9
18.................................. 23..................... 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 53.9
19.................................. 24..................... 53.1 53.1 53.1 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0
20.................................. 25..................... 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1
21.................................. 26..................... 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2
22.................................. 27..................... 50.3 50.3 50.3 50.3 50.3 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2
23.................................. 28..................... 49.4 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3
24.................................. 29..................... 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4
25.................................. 30..................... 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.4 47.4 47.4 47.4 47.4 47.4
26.................................. 31..................... 46.6 46.6 46.6 46.6 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5
27.................................. 32..................... 45.7 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6
28.................................. 33..................... 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7
29.................................. 34..................... 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.7 43.7 43.7 43.7 43.7
30.................................. 35..................... 42.9 42.9 42.9 42.9 42.9 42.9 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8
31.................................. 36..................... 42.0 42.0 42.0 42.0 42.0 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9
32.................................. 37..................... 41.1 41.1 41.1 41.1 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0
33.................................. 38..................... 40.2 40.2 40.2 40.2 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1
34.................................. 39..................... 39.3 39.3 39.3 39.3 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108
----------------------------------------------------------------------------------------------------------------------------------------------------
Female 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113
----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6.............................................. 11................................ 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0
7.............................................. 12................................ 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1
8.............................................. 13................................ 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2
9.............................................. 14................................ 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3
10............................................. 15................................ 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4
11............................................. 16................................ 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4
12............................................. 17................................ 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5
13............................................. 18................................ 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6
14............................................. 19................................ 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7
15............................................. 20................................ 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7
16............................................. 21................................ 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8
17............................................. 22................................ 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9
18............................................. 23................................ 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9
19............................................. 24................................ 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0
20............................................. 25................................ 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1
21............................................. 26................................ 51.2 51.2 51.2 51.2 51.2 51.2 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1
22............................................. 27................................ 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2
23............................................. 28................................ 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3
24............................................. 29................................ 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.3 48.3
25............................................. 30................................ 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4
26............................................. 31................................ 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5
27............................................. 32................................ 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6
28............................................. 33................................ 44.7 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6
29............................................. 34................................ 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7
30............................................. 35................................ 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8
31............................................. 36................................ 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9
32............................................. 37................................ 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0
33............................................. 38................................ 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.0
34............................................. 39................................ 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.1 39.1
----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 35 36 37 38 39 40 41 42 43 44 45 46 47
-------------------------------------------------------------------------------------------------------------------------
Female 40 41 42 43 44 45 46 47 48 49 50 51 52
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 46.2 45.7 45.3 44.8 44.4 44.0 43.6 43.3 43.0 42.6 42.3 42.0 41.8
36....................................... 41......................... 45.7 45.2 44.8 44.3 43.9 43.5 43.1 42.7 42.3 42.0 41.7 41.4 41.1
37....................................... 42......................... 45.3 44.8 44.3 43.8 43.4 42.9 42.5 42.1 41.8 41.4 41.1 40.7 40.4
38....................................... 43......................... 44.8 44.3 43.8 43.3 42.9 42.4 42.0 41.6 41.2 40.8 40.5 40.1 39.8
39....................................... 44......................... 44.4 43.9 43.4 42.9 42.4 41.9 41.5 41.0 40.6 40.2 39.9 39.5 39.2
40....................................... 45......................... 44.0 43.5 42.9 42.4 41.9 41.4 41.0 40.5 40.1 39.7 39.3 38.9 38.6
41....................................... 46......................... 43.6 43.1 42.5 42.0 41.5 41.0 40.5 40.0 39.6 39.2 38.8 38.4 38.0
42....................................... 47......................... 43.3 42.7 42.1 41.6 41.0 40.5 40.0 39.6 39.1 38.7 38.2 37.8 37.5
43....................................... 48......................... 43.0 42.3 41.8 41.2 40.6 40.1 39.6 39.1 38.6 38.2 37.7 37.3 36.9
44....................................... 49......................... 42.6 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.2 37.7 37.2 36.8 36.4
45....................................... 50......................... 42.3 41.7 41.1 40.5 39.9 39.3 38.8 38.2 37.7 37.2 36.8 36.3 35.9
46....................................... 51......................... 42.0 41.4 40.7 40.1 39.5 38.9 38.4 37.8 37.3 36.8 36.3 35.9 35.4
47....................................... 52......................... 41.8 41.1 40.4 39.8 39.2 38.6 38.0 37.5 36.9 36.4 35.9 35.4 35.0
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 48 49 50 51 52 53 54 55 56 57 58 59 60
-------------------------------------------------------------------------------------------------------------------------
Female 53 54 55 56 57 58 59 60 61 62 63 64 65
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 41.5 41.3 41.0 40.8 40.6 40.4 40.3 40.1 40.0 39.8 39.7 39.6 39.5
36....................................... 41......................... 40.8 40.6 40.3 40.1 39.9 39.7 39.5 39.3 39.2 39.0 38.9 38.8 38.6
37....................................... 42......................... 40.2 39.9 39.6 39.4 39.2 39.0 38.8 38.6 38.4 38.3 38.1 38.0 37.9
38....................................... 43......................... 39.5 39.2 39.0 38.7 38.5 38.3 38.1 37.9 37.7 37.5 37.3 37.2 37.1
39....................................... 44......................... 38.9 38.6 38.3 38.0 37.8 37.6 37.3 37.1 36.9 36.8 36.6 36.4 36.3
40....................................... 45......................... 38.3 38.0 37.7 37.4 37.1 36.9 36.6 36.4 36.2 36.0 35.9 35.7 35.5
41....................................... 46......................... 37.7 37.3 37.0 36.7 36.5 36.2 36.0 35.7 35.5 35.3 35.1 35.0 34.8
42....................................... 47......................... 37.1 36.8 36.4 36.1 35.8 35.6 35.3 35.1 34.8 34.6 34.4 34.2 34.1
43....................................... 48......................... 36.5 36.2 35.8 35.5 35.2 34.9 34.7 34.4 34.2 33.9 33.7 33.5 33.3
44....................................... 49......................... 36.0 35.6 35.3 34.9 34.6 34.3 34.0 33.8 33.5 33.3 33.0 32.8 32.6
45....................................... 50......................... 35.5 35.1 34.7 34.4 34.0 33.7 33.4 33.1 32.9 32.6 32.4 32.2 31.9
46....................................... 51......................... 35.0 34.6 34.2 33.8 33.5 33.1 32.8 32.5 32.2 32.0 31.7 31.5 31.3
47....................................... 52......................... 34.5 34.1 33.7 33.3 32.9 32.6 32.2 31.9 31.6 31.4 31.1 30.9 30.6
48....................................... 53......................... 34.0 33.6 33.2 32.8 32.4 32.0 31.7 31.4 31.1 30.8 30.5 30.2 30.0
49....................................... 54......................... 33.6 33.1 32.7 32.3 31.9 31.5 31.2 30.8 30.5 30.2 29.9 29.6 29.4
50....................................... 55......................... 33.2 32.7 32.3 31.8 31.4 31.0 30.6 30.3 29.9 29.6 29.3 29.0 28.8
51....................................... 56......................... 32.8 32.3 31.8 31.4 30.9 30.5 30.1 29.8 29.4 29.1 28.8 28.5 28.2
52....................................... 57......................... 32.4 31.9 31.4 30.9 30.5 30.1 29.7 29.3 28.9 28.6 28.2 27.9 27.6
53....................................... 58......................... 32.0 31.5 31.0 30.5 30.1 29.6 29.2 28.8 28.4 28.1 27.7 27.4 27.1
54....................................... 59......................... 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.3 27.9 27.6 27.2 26.9 26.5
55....................................... 60......................... 31.4 30.8 30.3 29.8 29.3 28.8 28.3 27.9 27.5 27.1 26.7 26.4 26.0
56....................................... 61......................... 31.1 30.5 29.9 29.4 28.9 28.4 27.9 27.5 27.1 26.7 26.3 25.9 25.5
57....................................... 62......................... 30.8 30.2 29.6 29.1 28.6 28.1 27.6 27.1 26.7 26.2 25.8 25.4 25.1
58....................................... 63......................... 30.5 29.9 29.3 28.8 28.2 27.7 27.2 26.7 26.3 25.8 25.4 25.0 24.6
59....................................... 64......................... 30.2 29.6 29.0 28.5 27.9 27.4 26.9 26.4 25.9 25.4 25.0 24.6 24.2
60....................................... 65......................... 30.0 29.4 28.8 28.2 27.6 27.1 26.5 26.0 25.5 25.1 24.6 24.2 23.8
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 61 62 63 64 65 66 67 68 69 70 71 72 73
-------------------------------------------------------------------------------------------------------------------------
Female 66 67 68 69 70 71 72 73 74 75 76 77 78
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 39.4 39.3 39.2 39.1 39.0 38.9 38.9 38.8 38.8 38.7 38.7 38.6 38.6
36....................................... 41......................... 38.5 38.4 38.3 38.2 38.2 38.1 38.0 38.0 37.9 37.9 37.8 37.8 37.7
37....................................... 42......................... 37.7 37.6 37.5 37.4 37.3 37.3 37.2 37.1 37.1 37.0 36.9 36.9 36.9
38....................................... 43......................... 36.9 36.8 36.7 36.6 36.5 36.4 36.4 36.3 36.2 36.2 36.1 36.0 36.0
39....................................... 44......................... 36.2 36.0 35.9 35.8 35.7 35.6 35.5 35.5 35.4 35.3 35.3 35.2 35.2
40....................................... 45......................... 35.4 35.3 35.1 35.0 34.9 34.8 34.7 34.6 34.6 34.5 34.4 34.4 34.3
41....................................... 46......................... 34.6 34.5 34.4 34.2 34.1 34.0 33.9 33.8 33.8 33.7 33.6 33.5 33.5
42....................................... 47......................... 33.9 33.7 33.6 33.5 33.4 33.2 33.1 33.0 33.0 32.9 32.8 32.7 32.7
43....................................... 48......................... 33.2 33.0 32.9 32.7 32.6 32.5 32.4 32.3 32.2 32.1 32.0 31.9 31.9
44....................................... 49......................... 32.5 32.3 32.1 32.0 31.8 31.7 31.6 31.5 31.4 31.3 31.2 31.1 31.1
45....................................... 50......................... 31.8 31.6 31.4 31.3 31.1 31.0 30.8 30.7 30.6 30.5 30.4 30.4 30.3
46....................................... 51......................... 31.1 30.9 30.7 30.5 30.4 30.2 30.1 30.0 29.9 29.8 29.7 29.6 29.5
47....................................... 52......................... 30.4 30.2 30.0 29.8 29.7 29.5 29.4 29.3 29.1 29.0 28.9 28.8 28.7
48....................................... 53......................... 29.8 29.5 29.3 29.2 29.0 28.8 28.7 28.5 28.4 28.3 28.2 28.1 28.0
49....................................... 54......................... 29.1 28.9 28.7 28.5 28.3 28.1 28.0 27.8 27.7 27.6 27.5 27.4 27.3
50....................................... 55......................... 28.5 28.3 28.1 27.8 27.6 27.5 27.3 27.1 27.0 26.9 26.7 26.6 26.5
51....................................... 56......................... 27.9 27.7 27.4 27.2 27.0 26.8 26.6 26.5 26.3 26.2 26.0 25.9 25.8
52....................................... 57......................... 27.3 27.1 26.8 26.6 26.4 26.2 26.0 25.8 25.7 25.5 25.4 25.2 25.1
53....................................... 58......................... 26.8 26.5 26.2 26.0 25.8 25.6 25.4 25.2 25.0 24.8 24.7 24.6 24.4
54....................................... 59......................... 26.2 25.9 25.7 25.4 25.2 25.0 24.7 24.6 24.4 24.2 24.0 23.9 23.8
55....................................... 60......................... 25.7 25.4 25.1 24.9 24.6 24.4 24.1 23.9 23.8 23.6 23.4 23.3 23.1
56....................................... 61......................... 25.2 24.9 24.6 24.3 24.1 23.8 23.6 23.4 23.2 23.0 22.8 22.6 22.5
57....................................... 62......................... 24.7 24.4 24.1 23.8 23.5 23.3 23.0 22.8 22.6 22.4 22.2 22.0 21.9
58....................................... 63......................... 24.3 23.9 23.6 23.3 23.0 22.7 22.5 22.2 22.0 21.8 21.6 21.4 21.3
59....................................... 64......................... 23.8 23.5 23.1 22.8 22.5 22.2 21.9 21.7 21.5 21.2 21.0 20.9 20.7
60....................................... 65......................... 23.4 23.0 22.7 22.3 22.0 21.7 21.4 21.2 20.9 20.7 20.5 20.3 20.1
61....................................... 66......................... 23.0 22.6 22.2 21.9 21.6 21.3 21.0 20.7 20.4 20.2 20.0 19.8 19.6
62....................................... 67......................... 22.6 22.2 21.8 21.5 21.1 20.8 20.5 20.2 19.9 19.7 19.5 19.2 19.0
63....................................... 68......................... 22.2 21.8 21.4 21.1 20.7 20.4 20.1 19.8 19.5 19.2 19.0 18.7 18.5
64....................................... 69......................... 21.9 21.5 21.1 20.7 20.3 20.0 19.6 19.3 19.0 18.7 18.5 18.2 18.0
65....................................... 70......................... 21.6 21.1 20.7 20.3 19.9 19.6 19.2 18.9 18.6 18.3 18.0 17.8 17.5
66....................................... 71......................... 21.3 20.8 20.4 20.0 19.6 19.2 18.8 18.5 18.2 17.9 17.6 17.3 17.1
67....................................... 72......................... 21.0 20.5 20.1 19.6 19.2 18.8 18.5 18.1 17.8 17.5 17.2 16.9 16.7
68....................................... 73......................... 20.7 20.2 19.8 19.3 18.9 18.5 18.1 17.8 17.4 17.1 16.8 16.5 16.2
69....................................... 74......................... 20.4 19.9 19.5 19.0 18.6 18.2 17.8 17.4 17.1 16.7 16.4 16.1 15.8
70....................................... 75......................... 20.2 19.7 19.2 18.7 18.3 17.9 17.5 17.1 16.7 16.4 16.1 15.8 15.5
71....................................... 76......................... 20.0 19.5 19.0 18.5 18.0 17.6 17.2 16.8 16.4 16.1 15.7 15.4 15.1
72....................................... 77......................... 19.8 19.2 18.7 18.2 17.8 17.3 16.9 16.5 16.1 15.8 15.4 15.1 14.8
73....................................... 78......................... 19.6 19.0 18.5 18.0 17.5 17.1 16.7 16.2 15.8 15.5 15.1 14.8 14.4
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------
Male Female Male 74 75 76 77 78 79 80 81 82 83 84 85
----------------------------------------------------------------------------------------------------------------
Female 79 80 81 82 83 84 85 86 87 88 89 90
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35........................................... 40.............................. 38.6 38.5 38.5 38.5 38.4 38.4 38.4 38.4 38.4 38.4 38.3 38.3
36........................................... 41.............................. 37.7 37.6 37.6 37.6 37.6 27.5 37.5 37.5 37.5 37.5 37.5 37.4
37........................................... 42.............................. 36.8 36.8 36.7 36.7 36.7 36.7 36.6 36.6 36.6 36.6 36.6 36.6
38........................................... 43.............................. 36.0 35.9 35.9 35.9 35.8 35.8 35.8 35.8 35.7 35.7 35.7 35.7
39........................................... 44.............................. 35.1 35.1 35.0 35.0 35.0 34.9 34.9 34.9 34.9 34.8 34.8 34.8
40........................................... 45.............................. 34.3 34.2 34.2 34.1 34.1 34.1 34.1 34.0 34.0 34.0 34.0 34.0
41........................................... 46.............................. 33.4 33.4 33.3 33.3 33.3 33.2 33.2 33.2 33.2 33.1 33.1 33.1
42........................................... 47.............................. 32.6 32.6 32.5 32.5 32.4 32.4 32.4 32.3 32.3 32.3 32.3 32.3
43........................................... 48.............................. 31.8 31.8 31.7 31.7 31.6 31.6 31.5 31.5 31.5 31.5 31.4 31.4
44........................................... 49.............................. 31.0 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.7 30.6 30.6 30.6
45........................................... 50.............................. 30.2 30.1 30.1 30.0 30.0 29.9 29.9 29.9 29.8 29.8 29.8 29.8
46........................................... 51.............................. 29.4 29.4 29.3 29.2 29.2 29.2 29.1 29.1 29.0 29.0 29.0 28.9
47........................................... 52.............................. 28.7 28.6 28.5 28.5 28.4 28.4 28.3 28.3 28.2 28.2 28.2 28.1
48........................................... 53.............................. 27.9 27.8 27.8 27.7 27.6 27.6 27.5 27.5 27.5 27.4 27.4 27.4
49........................................... 54.............................. 27.2 27.1 27.0 26.9 26.9 26.8 26.8 26.7 26.7 26.6 26.6 26.6
50........................................... 55.............................. 26.4 26.3 26.3 26.2 26.1 26.1 26.0 26.0 25.9 25.9 25.8 25.8
51........................................... 56.............................. 25.7 25.6 25.5 25.5 25.4 25.3 25.3 25.2 25.2 25.1 25.1 25.0
52........................................... 57.............................. 25.0 24.9 24.8 24.7 24.7 24.6 24.5 24.5 24.4 24.4 24.3 24.3
53........................................... 58.............................. 24.3 24.2 24.1 24.0 23.9 23.9 23.8 23.7 23.7 23.6 23.6 23.5
54........................................... 59.............................. 23.6 23.5 23.4 23.3 23.2 23.2 23.1 23.0 23.0 22.9 22.9 22.8
55........................................... 60.............................. 23.0 22.9 22.8 22.7 22.6 22.5 22.4 22.3 22.3 22.2 22.2 22.1
56........................................... 61.............................. 22.3 22.2 22.1 22.0 21.9 21.8 21.7 21.6 21.6 21.5 21.5 21.4
57........................................... 62.............................. 21.7 21.6 21.5 21.3 21.2 21.1 21.1 21.0 20.9 20.8 20.8 20.7
58........................................... 63.............................. 21.1 21.0 20.8 20.7 20.6 20.5 20.4 20.3 20.2 20.2 20.1 20.0
59........................................... 64.............................. 20.5 20.4 20.2 20.1 20.0 19.9 19.8 19.7 19.6 19.5 19.4 19.4
60........................................... 65.............................. 19.9 19.8 19.6 19.5 19.4 19.3 19.1 19.0 19.0 18.9 18.8 18.7
61........................................... 66.............................. 19.4 19.2 19.1 18.9 18.8 18.7 18.5 18.4 18.3 18.3 18.2 18.1
62........................................... 67.............................. 18.8 18.7 18.5 18.3 18.2 18.1 18.0 17.8 17.7 17.7 17.6 17.5
63........................................... 68.............................. 18.3 18.1 18.0 17.8 17.6 17.5 17.4 17.3 17.2 17.1 17.0 16.9
64........................................... 69.............................. 17.8 17.6 17.4 17.3 17.1 17.0 16.8 16.7 16.6 16.5 16.4 16.3
65........................................... 70.............................. 17.3 17.1 16.9 16.7 16.6 16.4 16.3 16.2 16.0 15.9 15.8 15.8
66........................................... 71.............................. 16.9 16.6 16.4 16.3 16.1 15.9 15.8 15.6 15.5 15.4 15.3 15.2
67........................................... 72.............................. 16.4 16.2 16.0 15.8 15.6 15.4 15.3 15.1 15.0 14.9 14.8 14.7
68........................................... 73.............................. 16.0 15.7 15.5 15.3 15.1 15.0 14.8 14.6 14.5 14.4 14.3 14.2
69........................................... 74.............................. 15.6 15.3 15.1 14.9 14.7 14.5 14.3 14.2 14.0 13.9 13.8 13.7
70........................................... 75.............................. 15.2 14.9 14.7 14.5 14.3 14.1 13.9 13.7 13.6 13.4 13.3 13.2
71........................................... 76.............................. 14.8 14.5 14.3 14.1 13.8 13.6 13.5 13.3 13.1 13.0 12.8 12.7
72........................................... 77.............................. 14.5 14.2 13.9 13.7 13.5 13.2 13.0 12.9 12.7 12.5 12.4 12.3
73........................................... 78.............................. 14.1 13.8 13.6 13.3 13.1 12.9 12.7 12.5 12.3 12.1 12.0 11.8
74........................................... 79.............................. 13.8 13.5 13.2 13.0 12.7 12.5 12.3 12.1 11.9 11.7 11.6 11.4
75........................................... 80.............................. 13.5 13.2 12.9 12.6 12.4 12.2 11.9 11.7 11.5 11.4 11.2 11.0
76........................................... 81.............................. 13.2 12.9 12.6 12.3 12.1 11.8 11.6 11.4 11.2 11.0 10.8 10.7
77........................................... 82.............................. 13.0 12.6 12.3 12.1 11.8 11.5 11.3 11.1 10.8 10.7 10.5 10.3
78........................................... 83.............................. 12.7 12.4 12.1 11.8 11.5 11.2 11.0 10.7 10.5 10.3 10.1 10.0
79........................................... 84.............................. 12.5 12.2 11.8 11.5 11.2 11.0 10.7 10.5 10.2 10.0 9.8 9.6
80........................................... 85.............................. 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.2 10.0 9.7 9.5 9.3
81........................................... 86.............................. 12.1 11.7 11.4 11.1 10.7 10.5 10.2 9.9 9.7 9.5 9.3 9.1
82........................................... 87.............................. 11.9 11.5 11.2 10.8 10.5 10.2 10.0 9.7 9.4 9.2 9.0 8.8
83........................................... 88.............................. 11.7 11.4 11.0 10.7 10.3 10.0 9.7 9.5 9.2 9.0 8.7 8.5
84........................................... 89.............................. 11.6 11.2 10.8 10.5 10.1 9.8 9.5 9.3 9.0 8.7 8.5 8.3
85........................................... 90.............................. 11.4 11.0 10.7 10.3 10.0 9.6 9.3 9.1 8.8 8.5 8.3 8.1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------
Male Female Male 86 87 88 89 90 91 92 93 94 95 96 97
----------------------------------------------------------------------------------------------------------------
Female 91 92 93 94 95 96 97 98 99 100 101 102
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35........................................... 40.............................. 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3
36........................................... 41.............................. 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4
37........................................... 42.............................. 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5
38........................................... 43.............................. 35.7 35.7 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6
39........................................... 44.............................. 34.8 34.8 34.8 34.8 34.8 34.8 34.7 34.7 34.7 34.7 34.7 34.7
40........................................... 45.............................. 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9
41........................................... 46.............................. 33.1 33.1 33.1 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0
42........................................... 47.............................. 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.1 32.1 32.1
43........................................... 48.............................. 31.4 31.4 31.4 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3
44........................................... 49.............................. 30.6 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.4
45........................................... 50.............................. 29.7 29.7 29.7 29.7 29.7 29.7 29.7 29.6 29.6 29.6 29.6 29.6
46........................................... 51.............................. 28.9 28.9 28.9 28.9 28.9 28.8 28.8 28.8 28.8 28.8 28.8 28.8
47........................................... 52.............................. 28.1 28.1 28.1 28.1 28.0 28.0 28.0 28.0 28.0 28.0 28.0 28.0
48........................................... 53.............................. 27.3 27.3 27.3 27.3 27.2 27.2 27.2 27.2 27.2 27.2 27.2 27.2
49........................................... 54.............................. 26.5 26.5 26.5 26.5 26.5 26.4 26.4 26.4 26.4 26.4 26.4 26.4
50........................................... 55.............................. 25.8 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6 25.6
51........................................... 56.............................. 25.0 25.0 24.9 24.9 24.9 24.9 24.9 24.9 24.8 24.8 24.8 24.8
52........................................... 57.............................. 24.3 24.2 24.2 24.2 24.1 24.1 24.1 24.1 24.1 24.1 24.1 24.0
53........................................... 58.............................. 23.5 23.5 23.4 23.4 23.4 23.4 23.4 23.3 23.3 23.3 23.3 23.3
54........................................... 59.............................. 22.8 22.7 22.7 22.7 22.7 22.6 22.6 22.6 22.6 22.6 22.6 22.5
55........................................... 60.............................. 22.1 22.0 22.0 22.0 21.9 21.9 21.9 21.9 21.8 21.8 21.8 21.8
56........................................... 61.............................. 21.4 21.3 21.3 21.3 21.2 21.2 21.2 21.1 21.1 21.1 21.1 21.1
57........................................... 62.............................. 20.7 20.6 20.6 20.6 20.5 20.5 20.5 20.4 20.4 20.4 20.4 20.4
58........................................... 63.............................. 20.0 19.9 19.9 19.9 19.8 19.8 19.8 19.8 19.7 19.7 19.7 19.7
59........................................... 64.............................. 19.3 19.3 19.2 19.2 19.2 19.1 19.1 19.1 19.0 19.0 19.0 19.0
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 98 99 100 101 102 103 104 105 106 107 108
-------------------------------------------------------------------------------------------------------
Female 103 104 105 106 107 108 109 110 111 112 113
--------------------------------------------------------------------------------------------------------------------------------------------------------
35............................ 40.............. 38.3 38.3 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.2 38.2
36............................ 41.............. 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.3
37............................ 42.............. 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5
38............................ 43.............. 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6
39............................ 44.............. 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7
40............................ 45.............. 33.9 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8
41............................ 46.............. 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0
42............................ 47.............. 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1
43............................ 48.............. 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3
44............................ 49.............. 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4
45............................ 50.............. 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6
46............................ 51.............. 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.7
47............................ 52.............. 28.0 28.0 28.0 28.0 28.0 28.0 28.0 27.9 27.9 27.9 27.9
48............................ 53.............. 27.2 27.2 27.2 27.2 27.2 27.1 27.1 27.1 27.1 27.1 27.1
49............................ 54.............. 26.4 26.4 26.4 26.4 26.4 26.3 26.3 26.3 26.3 26.3 26.3
50............................ 55.............. 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.5 25.5 25.5
51............................ 56.............. 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7
52............................ 57.............. 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0
53............................ 58.............. 23.3 23.3 23.3 23.3 23.3 23.3 23.2 23.2 23.2 23.2 23.2
54............................ 59.............. 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5
55............................ 60.............. 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.7 21.7
56............................ 61.............. 21.1 21.1 21.1 21.1 21.1 21.0 21.0 21.0 21.0 21.0 21.0
57............................ 62.............. 20.4 20.4 20.4 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3
58............................ 63.............. 19.7 19.7 19.7 19.6 19.6 19.6 19.6 19.6 19.6 19.6 19.6
59............................ 64.............. 19.0 19.0 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.9
--------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------
Male Female Male 86 87 88 89 90 91 92 93 94 95 96 97
----------------------------------------------------------------------------------------------------------------
Female 91 92 93 94 95 96 97 98 99 100 101 102
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
60........................................... 65.............................. 18.7 18.6 18.6 18.5 18.5 18.5 18.4 18.4 18.4 18.4 18.3 18.3
61........................................... 66.............................. 18.1 18.0 17.9 17.9 17.9 17.8 17.8 17.8 17.7 17.7 17.7 17.7
62........................................... 67.............................. 17.4 17.4 17.3 17.3 17.2 17.2 17.1 17.1 17.1 17.1 17.0 17.0
63........................................... 68.............................. 16.8 16.8 16.7 16.7 16.6 16.6 16.5 16.5 16.5 16.4 16.4 16.4
64........................................... 69.............................. 16.2 16.2 16.1 16.1 16.0 16.0 15.9 15.9 15.9 15.8 15.8 15.8
65........................................... 70.............................. 15.7 15.6 15.5 15.5 15.4 15.4 15.3 15.3 15.3 15.2 15.2 15.2
66........................................... 71.............................. 15.1 15.0 15.0 14.9 14.8 14.8 14.7 14.7 14.7 14.6 14.6 14.6
67........................................... 72.............................. 14.6 14.5 14.4 14.4 14.3 14.2 14.2 14.1 14.1 14.1 14.1 14.0
68........................................... 73.............................. 14.1 14.0 13.9 13.8 13.8 13.7 13.6 13.6 13.6 13.5 13.5 13.5
69........................................... 74.............................. 13.6 13.5 13.4 13.3 13.2 13.2 13.1 13.1 13.0 13.0 13.0 12.9
70........................................... 75.............................. 13.1 13.0 12.9 12.8 12.7 12.7 12.6 12.5 12.5 12.5 12.4 12.4
71........................................... 76.............................. 12.6 12.5 12.4 12.3 12.2 12.2 12.1 12.1 12.0 12.0 11.9 11.9
72........................................... 77.............................. 12.1 12.0 11.9 11.8 11.8 11.7 11.6 11.6 11.5 11.5 11.4 11.4
73........................................... 78.............................. 11.7 11.6 11.5 11.4 11.3 11.2 11.2 11.1 11.0 11.0 11.0 10.9
74........................................... 79.............................. 11.3 11.2 11.1 11.0 10.9 10.8 10.7 10.7 10.6 10.6 10.5 10.5
75........................................... 80.............................. 10.9 10.8 10.7 10.5 10.5 10.4 10.3 10.2 10.2 10.1 10.1 10.0
76........................................... 81.............................. 10.5 10.4 10.3 10.2 10.1 10.0 9.9 9.8 9.7 9.7 9.7 9.6
77........................................... 82.............................. 10.2 10.0 9.9 9.8 9.7 9.6 9.5 9.4 9.3 9.3 9.2 9.2
78........................................... 83.............................. 9.8 9.7 9.5 9.4 9.3 9.2 9.1 9.0 9.0 8.9 8.9 8.8
79........................................... 84.............................. 9.5 9.3 9.2 9.2 8.9 8.8 8.8 8.7 8.6 8.5 8.5 8.4
80........................................... 85.............................. 9.2 9.0 8.9 8.7 8.6 8.5 8.4 8.3 8.3 8.2 8.1 8.1
81........................................... 86.............................. 8.9 8.7 8.6 8.4 8.3 8.2 8.1 8.0 7.9 7.9 7.8 7.7
82........................................... 87.............................. 8.6 8.4 8.3 8.1 8.0 7.9 7.8 7.7 7.6 7.5 7.5 7.4
83........................................... 88.............................. 8.3 8.2 8.0 7.9 7.7 7.6 7.5 7.4 7.3 7.2 7.2 7.1
84........................................... 89.............................. 8.1 7.9 7.8 7.6 7.5 7.3 7.2 7.1 7.0 7.0 6.9 6.8
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 98 99 100 101 102 103 104 105 106 107 108
-------------------------------------------------------------------------------------------------------
Female 103 104 105 106 107 108 109 110 111 112 113
--------------------------------------------------------------------------------------------------------------------------------------------------------
60............................ 65.............. 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2
61............................ 66.............. 17.7 17.7 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.5
62............................ 67.............. 17.0 17.0 17.0 17.0 17.0 17.0 16.9 16.9 16.9 16.9 16.9
63............................ 68.............. 16.4 16.4 16.4 16.3 16.3 16.3 16.3 16.3 16.3 16.3 16.2
64............................ 69.............. 15.8 15.8 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.6
65............................ 70.............. 15.2 15.2 15.1 15.1 15.1 15.1 15.1 15.1 15.1 15.0 15.0
66............................ 71.............. 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4
67............................ 72.............. 14.0 14.0 14.0 14.0 13.9 13.9 13.9 13.9 13.9 13.9 13.8
68............................ 73.............. 13.5 13.4 13.4 13.4 13.4 13.4 13.3 13.3 13.3 13.3 13.2
69............................ 74.............. 12.9 12.9 12.9 12.8 12.8 12.8 12.8 12.8 12.8 12.7 12.7
70............................ 75.............. 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2 12.2 12.2 12.1
71............................ 76.............. 11.9 11.9 11.8 11.8 11.8 11.8 11.7 11.7 11.7 11.7 11.6
72............................ 77.............. 11.4 11.4 11.3 11.3 11.3 11.3 11.2 11.2 11.2 11.2 11.1
73............................ 78.............. 10.9 10.9 10.9 10.8 10.8 10.8 10.7 10.7 10.7 10.7 10.6
74............................ 79.............. 10.5 10.4 10.4 10.4 10.3 10.3 10.3 10.3 10.2 10.2 10.1
75............................ 80.............. 10.0 10.0 9.9 9.9 9.9 9.8 9.8 9.8 9.8 9.7
76............................ 81.............. 9.6 9.5 9.5 9.5 9.4 9.4 9.4 9.4 9.3 9.3
77............................ 82.............. 9.2 9.1 9.1 9.1 9.0 9.0 9.0 8.9 8.9 8.9
78............................ 83.............. 8.8 8.7 8.7 8.7 8.6 8.6 8.5 8.5 8.5 8.4
79............................ 84.............. 8.4 8.4 8.3 8.3 8.2 8.2 8.2 8.1 8.1 8.0
80............................ 85.............. 8.0 8.0 7.9 7.9 7.9 7.8 7.8 7.7 7.7 7.6
81............................ 86.............. 7.7 7.6 7.6 7.6 7.5 7.5 7.4 7.4 7.3 7.3
82............................ 87.............. 7.4 7.3 7.3 7.2 7.2 7.1 7.1 7.0 7.0 6.9
83............................ 88.............. 7.1 7.0 6.9 6.9 6.8 6.8 6.7 6.7 6.7 6.6
84............................ 89.............. 6.8 6.7 6.6 6.6 6.5 6.5 6.4 6.4 6.3 ....... .......
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 86 87 88 89 90 91 92 93 94 95 96
-------------------------------------------------------------------------------------------------------
Female 91 92 93 94 95 96 97 98 99 100 101
--------------------------------------------------------------------------------------------------------------------------------------------------------
85............................ 90.............. 7.9 7.7 7.5 7.4 7.2 7.1 7.0 6.9 6.8 6.7 6.6
86............................ 91.............. 7.7 7.5 7.3 7.1 7.0 6.8 6.7 6.6 6.5 6.4 6.4
87............................ 92.............. 7.5 7.3 7.1 6.9 6.8 6.6 6.5 6.4 6.3 6.2 6.1
88............................ 93.............. 7.3 7.1 6.9 6.7 6.6 6.4 6.3 6.2 6.1 6.0 5.9
89............................ 94.............. 7.1 6.9 6.7 6.5 6.4 6.2 6.1 6.0 5.9 5.8 5.7
90............................ 95.............. 7.0 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.6 5.5
91............................ 96.............. 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.5 5.4 5.3
92............................ 97.............. 6.7 6.5 6.3 6.1 5.9 5.8 5.6 5.5 5.4 5.3 5.2
93............................ 98.............. 6.6 6.4 6.2 6.0 5.8 5.7 5.5 5.4 5.2 5.1 5.0
94............................ 99.............. 6.5 6.3 6.1 5.9 5.7 5.5 5.4 5.2 5.1 5.0 4.9
95............................ 100............. 6.4 6.2 6.0 5.8 5.6 5.4 5.3 5.1 5.0 4.9 4.7
96............................ 101............. 6.4 6.1 5.9 5.7 5.5 5.3 5.2 5.0 4.9 4.7 4.6
97............................ 102............. 6.3 6.1 5.8 5.6 5.4 5.2 5.1 4.9 4.8 4.6 4.5
98............................ 103............. 6.2 6.0 5.8 5.5 5.3 5.1 5.0 4.8 4.7 4.5 4.4
99............................ 104............. 6.2 5.9 5.7 5.5 5.2 5.1 4.9 4.7 4.6 4.4 4.3
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------
Male Female Male 97 98 99 100 101 102 103 104 105 106
----------------------------------------------------------------------------------------------
Female 102 103 104 105 106 107 108 109 110 111
--------------------------------------------------------------------------------------------------------------------------------------------------------
85................................ 90................... 6.6 6.5 6.4 6.4 6.3 6.2 6.2 6.1 6.1 6.0
86................................ 91................... 6.3 6.2 6.2 6.1 6.0 6.0 5.9 5.9 5.8 5.7
87................................ 92................... 6.1 6.0 5.9 5.8 5.8 5.7 5.6 5.6 5.5 5.4
88................................ 93................... 5.8 5.8 5.7 5.6 5.5 5.5 5.4 5.3 5.3 5.1
89................................ 94................... 5.6 5.5 5.5 5.4 5.3 5.2 5.2 5.1 5.0
90................................ 95................... 5.4 5.3 5.2 5.2 5.1 5.0 4.9 4.9 4.8
91................................ 96................... 5.2 5.1 5.1 5.0 4.9 4.8 4.7 4.6 4.5
92................................ 97................... 5.1 5.0 4.9 4.8 4.7 4.6 4.5 4.4
93................................ 98................... 4.9 4.8 4.7 4.6 4.5 4.4 4.3 4.2
94................................ 99................... 4.8 4.7 4.6 4.5 4.4 4.3 4.1
95................................ 100.................. 4.6 4.5 4.4 4.3 4.2 4.1 4.0
96................................ 101.................. 4.5 4.4 4.3 4.2 4.1 3.9
97................................ 102.................. 4.4 4.3 4.1 4.0 3.9 3.7
98................................ 103.................. 4.3 4.1 4.0 3.9 3.7
99................................ 104.................. 4.1 4.0 3.9 3.7 ....... ....... ....... ....... ....... .......
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table IIa_Annuities for Joint Life Only_Two Lives_Expected Return Multiples
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
-------------------------------------------------------------------------------------------------------------------------------------------
Female 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................ 56.6 56.1 55.7 55.1 54.6 54.1 53.5 52.9 52.3 51.7 51.1 50.5 49.8 49.1 48.4
7............................... 12................ 56.1 55.7 55.2 54.7 54.2 53.7 53.1 52.6 52.0 51.4 50.8 50.2 49.5 48.9 48.2
8............................... 13................ 55.7 55.2 54.8 54.3 53.8 53.3 52.8 52.2 51.6 51.1 50.5 49.9 49.2 48.6 47.9
9............................... 14................ 55.1 54.7 54.3 53.8 53.3 52.9 52.3 51.8 51.3 50.7 50.1 49.5 48.9 48.3 47.7
10.............................. 15................ 54.6 54.2 53.8 53.3 52.9 52.4 51.9 51.4 50.9 50.3 49.8 49.2 48.6 48.0 47.4
11.............................. 16................ 54.1 53.7 53.3 52.9 52.4 52.0 51.5 51.0 50.5 50.0 49.4 48.8 48.3 47.7 47.1
12.............................. 17................ 53.5 53.1 52.8 52.3 51.9 51.5 51.0 50.6 50.1 49.6 49.0 48.5 47.9 47.3 46.7
13.............................. 18................ 52.9 52.6 52.2 51.8 51.4 51.0 50.6 50.1 49.6 49.1 48.6 48.1 47.5 47.0 46.4
14.............................. 19................ 52.3 52.0 51.6 51.3 50.9 50.5 50.1 49.6 49.2 48.7 48.2 47.7 47.2 46.6 46.1
15.............................. 20................ 51.7 51.4 51.1 50.7 50.3 50.0 49.6 49.1 48.7 48.2 47.8 47.3 46.8 46.2 45.7
16.............................. 21................ 51.1 50.8 50.5 50.1 49.8 49.4 49.0 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.3
17.............................. 22................ 50.5 50.2 49.9 49.5 49.2 48.8 48.5 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.9
18.............................. 23................ 49.8 49.5 49.2 48.9 48.6 48.3 47.9 47.5 47.2 46.8 46.3 45.9 45.4 45.0 44.5
19.............................. 24................ 49.1 48.9 48.6 48.3 48.0 47.7 47.3 47.0 46.6 46.2 45.8 45.4 45.0 44.5 44.0
20.............................. 25................ 48.4 48.2 47.9 47.7 47.4 47.1 46.7 46.4 46.1 45.7 45.3 44.9 44.5 44.0 43.6
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------------------------
Male Female Male 21 22 23 24 25 26 27 28 29 30 31 32 33 34
----------------------------------------------------------------------------------------------------------------------------------
Female 26 27 28 29 30 31 32 33 34 35 36 37 38 39
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6................................... 11..................... 47.7 47.0 46.3 45.6 44.8 44.1 43.3 42.5 41.8 41.0 40.2 39.4 38.6 37.8
7................................... 12..................... 47.5 46.8 46.1 45.4 44.6 43.9 43.2 42.4 41.6 40.9 40.1 39.3 38.5 37.7
8................................... 13..................... 47.3 46.6 45.9 45.2 44.5 43.7 43.0 42.2 41.5 40.7 39.9 39.2 38.4 37.6
9................................... 14..................... 47.0 46.3 45.6 45.0 44.2 43.5 42.8 42.1 41.3 40.6 39.8 39.0 38.3 37.5
10.................................. 15..................... 46.7 46.1 45.4 44.7 44.0 43.3 42.6 41.9 41.1 40.4 39.7 38.9 38.1 37.4
11.................................. 16..................... 46.4 45.8 45.1 44.5 43.8 43.1 42.4 41.7 41.0 40.2 39.5 38.8 38.0 37.2
12.................................. 17..................... 46.1 45.5 44.9 44.2 43.6 42.9 42.2 41.5 40.8 40.1 39.3 38.6 37.9 37.1
13.................................. 18..................... 45.8 45.2 44.6 43.9 43.3 42.6 42.0 41.3 40.6 39.9 39.2 38.4 37.7 37.0
14.................................. 19..................... 45.5 44.9 44.3 43.7 43.0 42.4 41.7 41.0 40.4 39.7 39.0 38.3 37.5 36.8
15.................................. 20..................... 45.1 44.6 44.0 43.4 42.7 42.1 41.5 40.8 40.1 39.5 38.8 38.1 37.4 36.6
16.................................. 21..................... 44.8 44.2 43.6 43.0 42.4 41.8 41.2 40.5 39.9 39.2 38.6 37.9 37.2 36.5
17.................................. 22..................... 44.4 43.8 43.3 42.7 42.1 41.5 40.9 40.3 39.6 39.0 38.3 37.7 37.0 36.3
18.................................. 23..................... 44.0 43.5 42.9 42.4 41.8 41.2 40.6 40.0 39.4 38.7 38.1 37.4 36.8 36.1
19.................................. 24..................... 43.6 43.1 42.5 42.0 41.4 40.9 40.3 39.7 39.1 38.5 37.8 37.2 36.5 35.9
20.................................. 25..................... 43.1 42.6 42.1 41.6 41.1 40.5 40.0 39.4 38.8 38.2 37.6 36.9 36.3 35.7
21.................................. 26..................... 42.7 42.2 41.7 41.2 40.7 40.2 39.6 39.1 38.5 37.9 37.3 36.7 36.1 35.4
22.................................. 27..................... 42.2 41.8 41.3 40.8 40.3 39.8 39.3 38.7 38.2 37.6 37.0 36.4 35.8 35.2
23.................................. 28..................... 41.7 41.3 40.8 40.4 39.9 39.4 38.9 38.4 37.8 37.3 36.7 36.1 35.5 34.9
24.................................. 29..................... 41.2 40.8 40.4 39.9 39.5 39.0 38.5 38.0 37.5 36.9 36.4 35.8 35.2 34.6
25.................................. 30..................... 40.7 40.3 39.9 39.5 39.0 38.6 38.1 37.6 37.1 36.6 36.0 35.5 34.9 34.4
26.................................. 31..................... 40.2 39.8 39.4 39.0 38.6 38.1 37.7 37.2 36.7 36.2 35.7 35.2 34.6 34.1
27.................................. 32..................... 39.6 39.3 38.9 38.5 38.1 37.7 37.2 36.8 36.3 35.8 35.3 34.8 34.3 33.7
28.................................. 33..................... 39.1 38.7 38.4 38.0 37.6 37.2 36.8 36.3 35.9 35.4 34.9 34.5 33.9 33.4
29.................................. 34..................... 38.5 38.2 37.8 37.5 37.1 36.7 36.3 35.9 35.5 35.0 34.6 34.1 33.6 33.1
30.................................. 35..................... 37.9 37.6 37.3 36.9 36.6 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2 32.7
31.................................. 36..................... 37.3 37.0 36.7 36.4 36.0 35.7 35.3 34.9 34.6 34.1 33.7 33.3 32.8 32.3
32.................................. 37..................... 36.7 36.4 36.1 35.8 35.5 35.2 34.8 34.5 34.1 33.7 33.3 32.9 32.4 32.0
33.................................. 38..................... 36.1 35.8 35.5 35.2 34.9 34.6 34.3 33.9 33.6 33.2 32.8 32.4 32.0 31.6
34.................................. 39..................... 35.4 35.2 34.9 34.6 34.4 34.1 33.7 33.4 33.1 32.7 32.3 32.0 31.6 31.1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49
-------------------------------------------------------------------------------------------------------------------------------------------
Female 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................ 37.0 36.2 35.4 34.6 33.8 33.0 32.2 31.4 30.6 29.8 29.0 28.2 27.5 26.7 25.9
7............................... 12................ 36.9 36.1 35.3 34.5 33.7 32.9 32.1 31.3 30.5 29.8 29.0 28.2 27.4 26.7 25.9
8............................... 13................ 36.8 36.0 35.2 34.4 33.7 32.9 32.1 31.3 30.5 29.7 28.9 28.2 27.4 26.6 25.9
9............................... 14................ 36.7 35.9 35.1 34.4 33.6 32.8 32.0 31.2 30.4 29.7 28.9 28.1 27.3 26.6 25.8
10.............................. 15................ 36.6 35.8 35.1 34.3 33.5 32.7 31.9 31.2 30.4 29.6 28.8 28.1 27.3 26.5 25.8
11.............................. 16................ 36.5 35.7 34.9 34.2 33.4 32.6 31.9 31.1 30.3 29.5 28.8 28.0 27.3 26.5 25.7
12.............................. 17................ 36.4 35.6 34.8 34.1 33.3 32.5 31.8 31.0 30.2 29.5 28.7 28.0 27.2 26.4 25.7
13.............................. 18................ 36.2 35.5 34.7 34.0 33.2 32.4 31.7 30.9 30.2 29.4 28.7 27.9 27.1 26.4 25.7
14.............................. 19................ 36.1 35.3 34.6 33.8 33.1 32.3 31.6 30.8 30.1 29.3 28.6 27.8 27.1 26.3 25.6
15.............................. 20................ 35.9 35.2 34.5 33.7 33.0 32.2 31.5 30.7 30.0 29.3 28.5 27.8 27.0 26.3 25.6
16.............................. 21................ 35.8 35.0 34.3 33.6 32.9 32.1 31.4 30.6 29.9 29.2 28.4 27.7 27.0 26.2 25.5
17.............................. 22................ 35.6 34.9 34.2 33.4 32.7 32.0 31.3 30.5 29.8 29.1 28.3 27.6 26.9 26.2 25.4
18.............................. 23................ 35.4 34.7 34.0 33.3 32.6 31.9 31.2 30.4 29.7 29.0 28.3 27.5 26.8 26.1 25.4
19.............................. 24................ 35.2 34.5 33.8 33.1 32.4 31.7 31.0 30.3 29.6 28.9 28.2 27.4 26.7 26.0 25.3
20.............................. 25................ 35.0 34.3 33.7 33.0 32.3 31.6 30.9 30.2 29.5 28.8 28.1 27.3 26.6 25.9 25.2
21.............................. 26................ 34.8 34.1 33.5 32.8 32.1 31.4 30.7 30.0 29.3 28.6 27.9 27.2 26.5 25.8 25.1
22.............................. 27................ 34.5 33.9 33.3 32.6 31.9 31.3 30.6 29.9 29.2 28.5 27.8 27.1 26.4 25.7 25.1
23.............................. 28................ 34.3 33.7 33.0 32.4 31.7 31.1 30.4 29.7 29.1 28.4 27.7 27.0 26.3 25.6 25.0
24.............................. 29................ 34.0 33.4 32.8 32.2 31.5 30.9 30.2 29.6 28.9 28.2 27.6 26.9 26.2 25.5 24.9
25.............................. 30................ 33.8 33.2 32.6 32.0 31.3 30.7 30.1 29.4 28.8 28.1 27.4 26.8 26.1 25.4 24.8
26.............................. 31................ 33.5 32.9 32.3 31.7 31.1 30.5 29.9 29.2 28.6 27.9 27.3 26.6 26.0 25.3 24.6
27.............................. 32................ 33.2 32.6 32.1 31.5 30.9 30.3 29.6 29.0 28.4 27.8 27.1 26.5 25.8 25.2 24.5
28.............................. 33................ 32.9 32.3 31.8 31.2 30.6 30.0 29.4 28.8 28.2 27.6 27.0 26.3 25.7 25.0 24.4
29.............................. 34................ 32.6 32.0 31.5 30.9 30.4 29.8 29.2 28.6 28.0 27.4 26.8 26.2 25.5 24.9 24.3
30.............................. 35................ 32.2 31.7 31.2 30.6 30.1 29.5 29.0 28.4 27.8 27.2 26.6 26.0 25.4 24.7 24.1
31.............................. 36................ 31.9 31.4 30.9 30.3 29.8 29.3 28.7 28.1 27.6 27.0 26.4 25.8 25.2 24.6 24.0
32.............................. 37................ 31.5 31.0 30.5 30.0 29.5 29.0 28.4 27.9 27.3 26.8 26.2 25.6 25.0 24.4 23.8
33.............................. 38................ 31.1 30.7 30.2 29.7 29.2 28.7 28.2 27.6 27.1 26.5 26.0 25.4 24.8 24.2 23.6
34.............................. 39................ 30.7 30.3 29.8 29.3 28.9 28.4 27.9 27.3 26.8 26.3 25.7 25.2 24.6 24.0 23.5
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------------------------------------------
Male Female Male 50 51 52 53 54 55 56 57 58 59 60 61 62 63
----------------------------------------------------------------------------------------------------------------------------------
Female 55 56 57 58 59 60 61 62 63 64 65 66 67 68
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6................................... 11..................... 25.2 24.4 23.7 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1
7................................... 12..................... 25.1 24.4 23.6 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1
8................................... 13..................... 25.1 24.4 23.6 22.9 22.2 21.4 20.7 20.0 19.4 18.7 18.0 17.4 16.7 16.1
9................................... 14..................... 25.1 24.3 23.6 22.9 22.1 21.4 20.7 20.0 19.3 18.7 18.0 17.3 16.7 16.1
10.................................. 15..................... 25.0 24.3 23.6 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1
11.................................. 16..................... 25.0 24.3 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1
12.................................. 17..................... 25.0 24.2 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.0
13.................................. 18..................... 24.9 24.2 23.5 22.7 22.0 21.3 20.6 19.9 19.3 18.6 17.9 17.3 16.7 16.0
14.................................. 19..................... 24.9 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.6 17.9 17.3 16.6 16.0
15.................................. 20..................... 24.8 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.5 17.9 17.3 16.6 16.0
16.................................. 21..................... 24.8 24.0 23.3 22.6 21.9 21.2 20.5 19.9 19.2 18.5 17.9 17.2 16.6 16.0
17.................................. 22..................... 24.7 24.0 23.3 22.6 21.9 21.2 20.5 19.8 19.2 18.5 17.8 17.2 16.6 16.0
18.................................. 23..................... 24.7 23.9 23.2 22.5 21.8 21.1 20.5 19.8 19.1 18.5 17.8 17.2 16.6 15.9
19.................................. 24..................... 24.6 23.9 23.2 22.5 21.8 21.1 20.4 19.8 19.1 18.4 17.8 17.2 16.5 15.9
20.................................. 25..................... 24.5 23.8 23.1 22.4 21.7 21.1 20.4 19.7 19.1 18.4 17.8 17.1 16.5 15.9
21.................................. 26..................... 24.4 23.7 23.1 22.4 21.7 21.0 20.3 19.7 19.0 18.4 17.7 17.1 16.5 15.9
22.................................. 27..................... 24.4 23.7 23.0 22.3 21.6 21.0 20.3 19.6 19.0 18.3 17.7 17.1 16.5 15.9
23.................................. 28..................... 24.3 23.6 22.9 22.2 21.6 20.9 20.2 19.6 18.9 18.3 17.7 17.0 16.4 15.8
24.................................. 29..................... 24.2 23.5 22.8 22.2 21.5 20.8 20.2 19.5 18.9 18.3 17.6 17.0 16.4 15.8
25.................................. 30..................... 24.1 23.4 22.8 22.1 21.4 20.8 20.1 19.5 18.8 18.2 17.6 17.0 16.4 15.8
26.................................. 31..................... 24.0 23.3 22.7 22.0 21.4 20.7 20.1 19.4 18.8 18.2 17.5 16.9 16.3 15.7
27.................................. 32..................... 23.9 23.2 22.6 21.9 21.3 20.6 20.0 19.4 18.7 18.1 17.5 16.9 16.3 15.7
28.................................. 33..................... 23.8 23.1 22.5 21.8 21.2 20.6 19.9 19.3 18.7 18.1 17.4 16.8 16.2 15.6
29.................................. 34..................... 23.6 23.0 22.4 21.7 21.1 20.5 19.8 19.2 18.6 18.0 17.4 16.8 16.2 15.6
30.................................. 35..................... 23.5 22.9 22.3 21.6 21.0 20.4 19.8 19.1 18.5 17.9 17.3 16.7 16.1 15.6
31.................................. 36..................... 23.4 22.7 22.1 21.5 20.9 20.3 19.7 19.1 18.5 17.9 17.3 16.7 16.1 15.5
32.................................. 37..................... 23.2 22.6 22.0 21.4 20.8 20.2 19.6 19.0 18.4 17.8 17.2 16.6 16.0 15.5
33.................................. 38..................... 23.1 22.5 21.9 21.3 20.7 20.1 19.5 18.9 18.3 17.7 17.1 16.5 16.0 15.4
34.................................. 39..................... 22.9 22.3 21.7 21.1 20.5 20.0 19.4 18.8 18.2 17.6 17.0 16.5 15.9 15.3
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78
-------------------------------------------------------------------------------------------------------------------------------------------
Female 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................ 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2
7............................... 12................ 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2
8............................... 13................ 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2
9............................... 14................ 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2
10.............................. 15................ 15.4 14.8 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2
11.............................. 16................ 15.4 14.8 14.2 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2
12.............................. 17................ 15.4 14.8 14.2 13.7 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2
13.............................. 18................ 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2
14.............................. 19................ 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2
15.............................. 20................ 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2
16.............................. 21................ 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2
17.............................. 22................ 15.4 14.8 14.2 13.6 13.0 12.5 12.0 11.5 10.9 10.5 10.0 9.5 9.1 8.6 8.2
18.............................. 23................ 15.3 14.7 14.2 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2
19.............................. 24................ 15.3 14.7 14.1 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2
20.............................. 25................ 15.3 14.7 14.1 13.6 13.0 12.5 11.9 11.4 10.9 10.4 10.0 9.5 9.0 8.6 8.2
21.............................. 26................ 15.3 14.7 14.1 13.5 13.0 12.5 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2
22.............................. 27................ 15.3 14.7 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2
23.............................. 28................ 15.2 14.6 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2
24.............................. 29................ 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2
25.............................. 30................ 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2
26.............................. 31................ 15.1 14.6 14.0 13.4 12.9 12.4 11.9 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2
27.............................. 32................ 15.1 14.5 14.0 13.4 12.9 12.4 11.8 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2
28.............................. 33................ 15.1 14.5 13.9 13.4 12.9 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.6 8.1
29.............................. 34................ 15.0 14.5 13.9 13.4 12.8 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.5 8.1
30.............................. 35................ 15.0 14.4 13.9 13.3 12.8 12.3 11.8 11.3 10.8 10.3 9.8 9.4 9.0 8.5 8.1
31.............................. 36................ 14.9 14.4 13.8 13.3 12.8 12.2 11.7 11.2 10.8 10.3 9.8 9.4 8.9 8.5 8.1
32.............................. 37................ 14.9 14.3 13.8 13.3 12.7 12.2 11.7 11.2 10.7 10.3 9.8 9.4 8.9 8.5 8.1
33.............................. 38................ 14.8 14.3 13.8 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1
34.............................. 39................ 14.8 14.2 13.7 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93
-------------------------------------------------------------------------------------------------------------------------------------------
Female 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................ 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
7............................... 12................ 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
8............................... 13................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
9............................... 14................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
10.............................. 15................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
11.............................. 16................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
12.............................. 17................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5
13.............................. 18................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.1 4.8 4.5 4.2 4.0 3.7 3.5
14.............................. 19................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
15.............................. 20................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
16.............................. 21................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
17.............................. 22................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
18.............................. 23................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
19.............................. 24................ 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
20.............................. 25................ 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
21.............................. 26................ 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
22.............................. 27................ 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
23.............................. 28................ 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5
24.............................. 29................ 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
25.............................. 30................ 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
26.............................. 31................ 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
27.............................. 32................ 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
28.............................. 33................ 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
29.............................. 34................ 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
30.............................. 35................ 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
31.............................. 36................ 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
32.............................. 37................ 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5
33.............................. 38................ 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.5 4.2 3.9 3.7 3.5
34.............................. 39................ 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.4 4.2 3.9 3.7 3.5
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------------------------
Male Female Male 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108
-------------------------------------------------------------------------------------------------------------------------------------------
Female 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
7............................... 12................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
8............................... 13................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
9............................... 14................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
10.............................. 15................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
11.............................. 16................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
12.............................. 17................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
13.............................. 18................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
14.............................. 19................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
15.............................. 20................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
16.............................. 21................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
17.............................. 22................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
18.............................. 23................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
19.............................. 24................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
20.............................. 25................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
21.............................. 26................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
22.............................. 27................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
23.............................. 28................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
24.............................. 29................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
25.............................. 30................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
26.............................. 31................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
27.............................. 32................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
28.............................. 33................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
29.............................. 34................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
30.............................. 35................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
31.............................. 36................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
32.............................. 37................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
33.............................. 38................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
34.............................. 39................ 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 35 36 37 38 39 40 41 42 43 44 45 46 47
-------------------------------------------------------------------------------------------------------------------------
Female 40 41 42 43 44 45 46 47 48 49 50 51 52
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 30.3 29.9 29.4 29.0 28.5 28.0 27.5 27.0 26.5 26.0 25.5 24.9 24.4
36....................................... 41......................... 29.9 29.5 29.0 28.6 28.2 27.7 27.2 26.7 26.2 25.7 25.2 24.7 24.2
37....................................... 42......................... 29.4 29.0 28.6 28.2 27.8 27.3 26.9 26.4 25.9 25.5 25.0 24.4 23.9
38....................................... 43......................... 29.0 28.6 28.2 27.8 27.4 27.0 26.5 26.1 25.6 25.2 24.7 24.2 23.7
39....................................... 44......................... 28.5 28.2 27.8 27.4 27.0 26.6 26.2 25.8 25.3 24.8 24.4 23.9 23.4
40....................................... 45......................... 28.0 27.7 27.3 27.0 26.6 26.2 25.8 25.4 25.0 24.5 24.1 23.6 23.1
41....................................... 46......................... 27.5 27.2 26.9 26.5 26.2 25.8 25.4 25.0 24.6 24.2 23.8 23.3 22.9
42....................................... 47......................... 27.0 26.7 26.4 26.1 25.8 25.4 25.0 24.6 24.2 23.8 23.4 23.0 22.6
43....................................... 48......................... 26.5 26.2 25.9 25.6 25.3 25.0 24.6 24.2 23.9 23.5 23.1 22.7 22.2
44....................................... 49......................... 26.0 25.7 25.5 25.2 24.8 24.5 24.2 23.8 23.5 23.1 22.7 22.3 21.9
45....................................... 50......................... 25.5 25.2 25.0 24.7 24.4 24.1 23.8 23.4 23.1 22.7 22.4 22.0 21.6
46....................................... 51......................... 24.9 24.7 24.4 24.2 23.9 23.6 23.3 23.0 22.7 22.3 22.0 21.6 21.2
47....................................... 52......................... 24.4 24.2 23.9 23.7 23.4 23.1 22.9 22.6 22.2 21.9 21.6 21.2 20.9
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 48 49 50 51 52 53 54 55 56 57 58 59 60
-------------------------------------------------------------------------------------------------------------------------
Female 53 54 55 56 57 58 59 60 61 62 63 64 65
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 23.8 23.3 22.7 22.1 21.6 21.0 20.4 19.8 19.3 18.7 18.1 17.5 17.0
36....................................... 41......................... 23.6 23.1 22.5 22.0 21.4 20.8 20.3 19.7 19.1 18.6 18.0 17.4 16.9
37....................................... 42......................... 23.4 22.9 22.3 21.8 21.2 20.7 20.1 19.6 19.0 18.4 17.9 17.3 16.8
38....................................... 43......................... 23.2 22.6 22.1 21.6 21.1 20.5 20.0 19.4 18.9 18.3 17.8 17.2 16.7
39....................................... 44......................... 22.9 22.4 21.9 21.4 20.9 20.3 19.8 19.3 18.7 18.2 17.7 17.1 16.6
40....................................... 45......................... 22.7 22.2 21.7 21.2 20.7 20.1 19.6 19.1 18.6 18.0 17.5 17.0 16.5
41....................................... 46......................... 22.4 21.9 21.4 20.9 20.4 19.9 19.4 18.9 18.4 17.9 17.4 16.9 16.3
42....................................... 47......................... 22.1 21.6 21.2 20.7 20.2 19.7 19.2 18.7 18.2 17.7 17.2 16.7 16.2
43....................................... 48......................... 21.8 21.4 20.9 20.5 20.0 19.5 19.0 18.6 18.1 17.6 17.1 16.6 16.1
44....................................... 49......................... 21.5 21.1 20.6 20.2 19.8 19.3 18.8 18.4 17.9 17.4 16.9 16.4 15.9
45....................................... 50......................... 21.2 20.8 20.4 19.9 19.5 19.1 18.6 18.1 17.7 17.2 16.7 16.3 15.8
46....................................... 51......................... 20.9 20.5 20.1 19.7 19.2 18.8 18.4 17.9 17.5 17.0 16.6 16.1 15.6
47....................................... 52......................... 20.5 20.1 19.8 19.4 19.0 18.5 18.1 17.7 17.3 16.8 16.4 15.9 15.5
48....................................... 53......................... 20.2 19.8 19.4 19.1 18.7 18.3 17.9 17.5 17.0 16.6 16.2 15.7 15.3
49....................................... 54......................... 19.8 19.5 19.1 18.8 18.4 18.0 17.6 17.2 16.8 16.4 16.0 15.5 15.1
50....................................... 55......................... 19.4 19.1 18.8 18.4 18.1 17.7 17.3 16.9 16.6 16.2 15.8 15.3 14.9
51....................................... 56......................... 19.1 18.8 18.4 18.1 17.8 17.4 17.0 16.7 16.3 15.9 15.5 15.1 14.7
52....................................... 57......................... 18.7 18.4 18.1 17.8 17.4 17.1 16.8 16.4 16.0 15.7 15.3 14.9 14.5
53....................................... 58......................... 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.1 15.8 15.4 15.1 14.7 14.3
54....................................... 59......................... 17.9 17.6 17.3 17.0 16.8 16.4 16.1 15.8 15.5 15.1 14.8 14.4 14.1
55....................................... 60......................... 17.5 17.2 16.9 16.7 16.4 16.1 15.8 15.5 15.2 14.9 14.5 14.2 13.9
56....................................... 61......................... 17.0 16.8 16.6 16.3 16.0 15.8 15.5 15.2 14.9 14.6 14.3 13.9 13.6
57....................................... 62......................... 16.6 16.4 16.2 15.9 15.7 15.4 15.1 14.9 14.6 14.3 14.0 13.7 13.4
58....................................... 63......................... 16.2 16.0 15.8 15.5 15.3 15.1 14.8 14.5 14.3 14.0 13.7 13.4 13.1
59....................................... 64......................... 15.7 15.5 15.3 15.1 14.9 14.7 14.4 14.2 13.9 13.7 13.4 13.1 12.8
60....................................... 65......................... 15.3 15.1 14.9 14.7 14.5 14.3 14.1 13.9 13.6 13.4 13.1 12.8 12.6
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 61 62 63 64 65 66 67 68 69 70 71 72 73
-------------------------------------------------------------------------------------------------------------------------
Female 66 67 68 69 70 71 72 73 74 74 76 77 78
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 16.4 15.8 15.3 14.7 14.2 13.7 13.1 12.6 12.1 11.6 11.1 10.7 10.2
36....................................... 41......................... 16.3 15.8 15.2 14.7 14.1 13.6 13.1 12.6 12.1 11.6 11.1 10.6 10.2
37....................................... 42......................... 16.2 15.7 15.1 14.6 14.1 13.6 13.0 12.5 12.0 11.5 11.1 10.6 10.1
38....................................... 43......................... 16.1 15.6 15.1 14.5 14.0 13.5 13.0 12.5 12.0 11.5 11.0 10.6 10.1
39....................................... 44......................... 16.0 15.5 15.0 14.5 13.9 13.4 12.9 12.4 11.9 11.5 11.0 10.5 10.1
40....................................... 45......................... 15.9 15.4 14.9 14.4 13.9 13.4 12.9 12.4 11.9 11.4 11.0 10.5 10.0
41....................................... 46......................... 15.8 15.3 14.8 14.3 13.8 13.3 12.8 12.3 11.8 11.4 10.9 10.5 10.0
42....................................... 47......................... 15.7 15.2 14.7 14.2 13.7 13.2 12.7 12.3 11.8 11.3 10.9 10.4 10.0
43....................................... 48......................... 15.6 15.1 14.6 14.1 13.6 13.1 12.7 12.2 11.7 11.3 10.8 10.4 9.9
44....................................... 49......................... 15.5 15.0 14.5 14.0 13.5 13.1 12.6 12.1 11.7 11.2 10.8 10.3 9.9
45....................................... 50......................... 15.3 14.8 14.4 13.9 13.4 13.0 12.5 12.0 11.6 11.1 10.7 10.3 9.8
46....................................... 51......................... 15.2 14.7 14.2 13.8 13.3 12.9 12.4 12.0 11.5 11.1 10.6 10.2 9.8
47....................................... 52......................... 15.0 14.6 14.1 13.7 13.2 12.8 12.3 11.9 11.4 11.0 10.6 10.1 9.7
48....................................... 53......................... 14.9 14.4 14.0 13.5 13.1 12.6 12.2 11.8 11.3 10.9 10.5 10.1 9.7
49....................................... 54......................... 14.7 14.3 13.8 13.4 13.0 12.5 12.1 11.7 11.3 10.8 10.4 10.0 9.6
50....................................... 55......................... 14.5 14.1 13.7 13.3 12.8 12.4 12.0 11.6 11.2 10.7 10.3 9.9 9.5
51....................................... 56......................... 14.3 13.9 13.5 13.1 12.7 12.3 11.9 11.5 11.1 10.7 10.3 9.9 9.5
52....................................... 57......................... 14.1 13.7 13.3 12.9 12.5 12.1 11.7 11.3 10.9 10.6 10.2 9.8 9.4
53....................................... 58......................... 13.9 13.6 13.2 12.8 12.4 12.0 11.6 11.2 10.8 10.5 10.1 9.7 9.3
54....................................... 59......................... 13.7 13.4 13.0 12.6 12.2 11.9 11.5 11.1 10.7 10.3 10.0 9.6 9.2
55....................................... 60......................... 13.5 13.2 12.8 12.4 12.1 11.7 11.3 11.0 10.6 10.2 9.9 9.5 9.1
56....................................... 61......................... 13.3 12.9 12.6 12.2 11.9 11.5 11.2 10.8 10.5 10.1 9.8 9.4 9.0
57....................................... 62......................... 13.0 12.7 12.4 12.1 11.7 11.4 11.0 10.7 10.3 10.0 9.6 9.3 8.9
58....................................... 63......................... 12.8 12.5 12.2 11.8 11.5 11.2 10.9 10.5 10.2 9.8 9.5 9.2 8.8
59....................................... 64......................... 12.6 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.0 9.7 9.4 9.1 8.7
60....................................... 65......................... 12.3 12.0 11.7 11.4 11.1 10.8 10.5 10.2 9.9 9.6 9.3 8.9 8.6
61....................................... 66......................... 12.0 11.8 11.5 11.2 10.9 10.6 10.3 10.0 9.7 9.4 9.1 8.8 8.5
62....................................... 67......................... 11.8 11.5 11.2 11.0 10.7 10.4 10.1 9.8 9.6 9.3 9.0 8.7 8.4
63....................................... 68......................... 11.5 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4 9.1 8.8 8.5 8.2
64....................................... 69......................... 11.2 11.0 10.7 10.5 10.2 10.0 9.7 9.5 9.2 8.9 8.7 8.4 8.1
65....................................... 70......................... 10.9 10.7 10.5 10.2 10.0 9.8 9.5 9.3 9.0 8.8 8.5 8.2 8.0
66....................................... 71......................... 10.6 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8 8.6 8.3 8.1 7.8
67....................................... 72......................... 10.3 10.1 9.9 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.1 7.9 7.7
68....................................... 73......................... 10.0 9.8 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.2 8.0 7.7 7.5
69....................................... 74......................... 9.7 9.6 9.4 9.2 9.0 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.3
70....................................... 75......................... 9.4 9.3 9.1 8.9 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.4 7.2
71....................................... 76......................... 9.1 9.0 8.8 8.7 8.5 8.3 8.1 8.0 7.8 7.6 7.4 7.2 7.0
72....................................... 77......................... 8.8 8.7 8.5 8.4 8.2 8.1 7.9 7.7 7.6 7.4 7.2 7.0 6.8
73....................................... 78......................... 8.5 8.4 8.2 8.1 8.0 7.8 7.7 7.5 7.3 7.2 7.0 6.8 6.7
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------------------------
Male Female Male 74 75 76 77 78 79 80 81 82 83 84 85 86
-------------------------------------------------------------------------------------------------------------------------
Female 79 80 81 82 83 84 85 86 87 88 89 90 91
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
35....................................... 40......................... 9.7 9.3 8.9 8.5 8.1 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3
36....................................... 41......................... 9.7 9.3 8.9 8.4 8.0 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3
37....................................... 42......................... 9.7 9.3 8.8 8.4 8.0 7.6 7.3 6.9 6.5 6.2 5.9 5.6 5.3
38....................................... 43......................... 9.7 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3
39....................................... 44......................... 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3
40....................................... 45......................... 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.5 5.2
41....................................... 46......................... 9.6 9.2 8.7 8.3 7.9 7.6 7.2 6.8 6.5 6.2 5.8 5.5 5.2
42....................................... 47......................... 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.2 5.8 5.5 5.2
43....................................... 48......................... 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.1 5.8 5.5 5.2
44....................................... 49......................... 9.5 9.0 8.6 8.2 7.9 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2
45....................................... 50......................... 9.4 9.0 8.6 8.2 7.8 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2
46....................................... 51......................... 9.4 9.0 8.6 8.2 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2
47....................................... 52......................... 9.3 8.9 8.5 8.1 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2
48....................................... 53......................... 9.3 8.9 8.5 8.1 7.7 7.4 7.0 6.7 6.4 6.0 5.7 5.4 5.1
49....................................... 54......................... 9.2 8.8 8.4 8.1 7.7 7.3 7.0 6.7 6.3 6.0 5.7 5.4 5.1
50....................................... 55......................... 9.1 8.8 8.4 8.0 7.7 7.3 7.0 6.6 6.3 6.0 5.7 5.4 5.1
51....................................... 56......................... 9.1 8.7 8.3 8.0 7.6 7.3 6.9 6.6 6.3 6.0 5.7 5.4 5.1
52....................................... 57......................... 9.0 8.6 8.3 7.9 7.6 7.2 6.9 6.6 6.2 5.9 5.6 5.4 5.1
53....................................... 58......................... 8.9 8.6 8.2 7.9 7.5 7.2 6.9 6.5 6.2 5.9 5.6 5.3 5.1
54....................................... 59......................... 8.9 8.5 8.2 7.8 7.5 7.1 6.8 6.5 6.2 5.9 5.6 5.3 5.0
55....................................... 60......................... 8.8 8.4 8.1 7.7 7.4 7.1 6.8 6.4 6.1 5.8 5.6 5.3 5.0
56....................................... 61......................... 8.7 8.4 8.0 7.7 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.3 5.0
57....................................... 62......................... 8.6 8.3 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.2 5.0
58....................................... 63......................... 8.5 8.2 7.9 7.5 7.2 6.9 6.6 6.3 6.0 5.7 5.5 5.2 4.9
59....................................... 64......................... 8.4 8.1 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.7 5.4 5.2 4.9
60....................................... 65......................... 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9 5.6 5.4 5.1 4.9
61....................................... 66......................... 8.2 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.9 5.6 5.3 5.1 4.8
62....................................... 67......................... 8.1 7.8 7.5 7.2 6.9 6.6 6.4 6.1 5.8 5.5 5.3 5.0 4.8
63....................................... 68......................... 8.0 7.7 7.4 7.1 6.8 6.6 6.3 6.0 5.7 5.5 5.2 5.0 4.7
64....................................... 69......................... 7.8 7.6 7.3 7.0 6.7 6.5 6.2 5.9 5.7 5.4 5.2 4.9 4.7
65....................................... 70......................... 7.7 7.4 7.2 6.9 6.6 6.4 6.1 5.9 5.6 5.4 5.1 4.9 4.7
66....................................... 71......................... 7.6 7.3 7.1 6.8 6.5 6.3 6.0 5.8 5.5 5.3 5.1 4.8 4.6
67....................................... 72......................... 7.4 7.2 6.9 6.7 6.4 6.2 6.0 5.7 5.5 5.2 5.0 4.8 4.6
68....................................... 73......................... 7.3 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4 5.2 4.9 4.7 4.5
69....................................... 74......................... 7.1 6.9 6.7 6.4 6.2 6.0 5.8 5.5 5.3 5.1 4.9 4.7 4.5
70....................................... 75......................... 7.0 6.8 6.5 6.3 6.1 5.9 5.7 5.4 5.2 5.0 4.8 4.6 4.4
71....................................... 76......................... 6.8 6.6 6.4 6.2 6.0 5.8 5.6 5.3 5.1 4.9 4.7 4.5 4.3
72....................................... 77......................... 6.6 6.4 6.3 6.1 5.9 5.7 5.5 5.3 5.0 4.9 4.7 4.5 4.3
73....................................... 78......................... 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1 5.0 4.8 4.6 4.4 4.2
74....................................... 79......................... 6.3 6.1 6.0 5.8 5.6 5.4 5.2 5.0 4.9 4.7 4.5 4.3 4.1
75....................................... 80......................... 6.1 6.0 5.8 5.6 5.5 5.3 5.1 4.9 4.8 4.6 4.4 4.2 4.1
76....................................... 81......................... 6.0 5.8 5.6 5.5 5.3 5.2 5.0 4.8 4.7 4.5 4.3 4.1 4.0
77....................................... 82......................... 5.8 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.5 4.4 4.2 4.1 3.9
78....................................... 83......................... 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.6 4.4 4.3 4.1 4.0 3.8
79....................................... 84......................... 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.0 3.9 3.7
80....................................... 85......................... 5.2 5.1 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.6
81....................................... 86......................... 5.0 4.9 4.8 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.7 3.6
82....................................... 87......................... 4.9 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0 3.8 3.7 3.6 3.5
83....................................... 88......................... 4.7 4.6 4.5 4.4 4.3 4.2 4.1 3.9 3.8 3.7 3.6 3.5 3.4
84....................................... 89......................... 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3
85....................................... 90......................... 4.3 4.2 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3 3.2
86....................................... 91......................... 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.6 3.5 3.4 3.3 3.2 3.1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 87 88 89 90 91 92 93 94 95 96 97
-------------------------------------------------------------------------------------------------------
Female 92 93 94 95 96 97 98 99 100 101 102
--------------------------------------------------------------------------------------------------------------------------------------------------------
35............................ 40.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7
36............................ 41.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7
37............................ 42.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7
38............................ 43.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.8 2.6
39............................ 44.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6
40............................ 45.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6
41............................ 46.............. 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6
42............................ 47.............. 4.9 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6
43............................ 48.............. 4.9 4.7 4.4 4.1 3.9 3.7 3.5 3.2 3.0 2.8 2.6
44............................ 49.............. 4.9 4.7 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6
45............................ 50.............. 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6
46............................ 51.............. 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6
47............................ 52.............. 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6
48............................ 53.............. 4.9 4.6 4.4 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6
49............................ 54.............. 4.9 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6
50............................ 55.............. 4.8 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6
51............................ 56.............. 4.8 4.6 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6
52............................ 57.............. 4.8 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6
53............................ 58.............. 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6
54............................ 59.............. 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6
55............................ 60.............. 4.7 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6
56............................ 61.............. 4.7 4.5 4.2 4.0 3.8 3.6 3.3 3.1 2.9 2.8 2.6
57............................ 62.............. 4.7 4.5 4.2 4.0 3.8 3.5 3.3 3.1 2.9 2.7 2.6
58............................ 63.............. 4.7 4.4 4.2 4.0 3.7 3.5 3.3 3.1 2.9 2.7 2.5
59............................ 64.............. 4.6 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 98 99 100 101 102 103 104 105 106 107 108
-------------------------------------------------------------------------------------------------------
Female 103 104 105 106 107 108 109 110 111 112 113
--------------------------------------------------------------------------------------------------------------------------------------------------------
35............................ 40.............. 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
36............................ 41.............. 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7
37............................ 42.............. 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
38............................ 43.............. 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
39............................ 44.............. 2.4 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
40............................ 45.............. 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
41............................ 46.............. 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
42............................ 47.............. 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
43............................ 48.............. 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
44............................ 49.............. 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7
45............................ 50.............. 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7
46............................ 51.............. 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7
47............................ 52.............. 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7
48............................ 53.............. 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7
49............................ 54.............. 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7
50............................ 55.............. 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7
51............................ 56.............. 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7
52............................ 57.............. 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7
53............................ 58.............. 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7
54............................ 59.............. 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7
55............................ 60.............. 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7
56............................ 61.............. 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7
57............................ 62.............. 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7
58............................ 63.............. 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7
59............................ 64.............. 2.3 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 87 88 89 90 91 92 93 94 95 96 97
-------------------------------------------------------------------------------------------------------
Female 92 93 94 95 96 97 98 99 100 101 102
--------------------------------------------------------------------------------------------------------------------------------------------------------
60............................ 65.............. 4.6 4.4 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5
61............................ 66.............. 4.6 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5
62............................ 67.............. 4.5 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5
63............................ 68.............. 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5
64............................ 69.............. 4.5 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5
65............................ 70.............. 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.5
66............................ 71.............. 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.4
67............................ 72.............. 4.3 4.1 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.4
68............................ 73.............. 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4
69............................ 74.............. 4.2 4.0 3.8 3.6 3.5 3.3 3.1 2.9 2.7 2.6 2.4
70............................ 75.............. 4.2 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.5 2.4
71............................ 76.............. 4.1 3.9 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5 2.3
72............................ 77.............. 4.1 3.9 3.7 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.3
73............................ 78.............. 4.0 3.8 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.5 2.3
74............................ 79.............. 3.9 3.8 3.6 3.4 3.3 3.1 2.9 2.8 2.6 2.4 2.3
75............................ 80.............. 3.9 3.7 3.5 3.4 3.2 3.0 2.9 2.7 2.6 2.4 2.2
76............................ 81.............. 3.8 3.6 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.4 2.2
77............................ 82.............. 3.7 3.6 3.4 3.3 3.1 3.0 2.8 2.6 2.5 2.3 2.2
78............................ 83.............. 3.7 3.5 3.4 3.2 3.1 2.9 2.7 2.6 2.4 2.3 2.1
79............................ 84.............. 3.6 3.4 3.3 3.1 3.0 2.8 2.7 2.5 2.4 2.2 2.1
80............................ 85.............. 3.5 3.4 3.2 3.1 2.9 2.8 2.6 2.5 2.3 2.2 2.0
81............................ 86.............. 3.4 3.3 3.1 3.0 2.9 2.7 2.6 2.4 2.3 2.1 2.0
82............................ 87.............. 3.3 3.2 3.1 2.9 2.8 2.7 2.5 2.4 2.2 2.1 2.0
83............................ 88.............. 3.2 3.1 3.0 2.9 2.7 2.6 2.5 2.3 2.2 2.0 1.9
84............................ 89.............. 3.1 3.0 2.9 2.8 2.7 2.5 2.4 2.3 2.1 2.0 1.9
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
-------------------------------------------------------------------------------------------------------
Male Female Male 98 99 100 101 102 103 104 105 106 107 108
-------------------------------------------------------------------------------------------------------
Female 103 104 105 106 107 108 109 110 111 112 113
--------------------------------------------------------------------------------------------------------------------------------------------------------
60............................ 65.............. 2.3 2.1 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7
61............................ 66.............. 2.3 2.1 2.0 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7
62............................ 67.............. 2.3 2.1 1.9 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7
63............................ 68.............. 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7
64............................ 69.............. 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7
65............................ 70.............. 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7
66............................ 71.............. 2.3 2.1 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7
67............................ 72.............. 2.2 2.1 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7
68............................ 73.............. 2.2 2.0 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7
69............................ 74.............. 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6
70............................ 75.............. 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6
71............................ 76.............. 2.2 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.7 0.6
72............................ 77.............. 2.1 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 0.6
73............................ 78.............. 2.1 1.9 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6
74............................ 79.............. 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6
75............................ 80.............. 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7
76............................ 81.............. 2.0 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7
77............................ 82.............. 2.0 1.8 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7
78............................ 83.............. 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7
79............................ 84.............. 1.9 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7
80............................ 85.............. 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.9 0.7 0.7
81............................ 86.............. 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.8 0.7 0.6
82............................ 87.............. 1.8 1.7 1.5 1.4 1.2 1.1 1.0 0.8 0.7 0.6
83............................ 88.............. 1.8 1.6 1.5 1.3 1.2 1.1 0.9 0.8 0.7 0.6
84............................ 89.............. 1.7 1.6 1.4 1.3 1.2 1.0 0.9 0.8 0.7 ....... .......
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------
Male Female Male 87 88 89 90 91 92 93 94 95 96
----------------------------------------------------------------------------------------------
Female 92 93 94 95 96 97 98 99 100 101
--------------------------------------------------------------------------------------------------------------------------------------------------------
85................................ 90................... 3.1 2.9 2.8 2.7 2.6 2.5 2.3 2.2 2.1 1.9
86................................ 91................... 3.0 2.8 2.7 2.6 2.5 2.4 2.3 2.1 2.0 1.9
87................................ 92................... 2.9 2.8 2.6 2.5 2.4 2.3 2.2 2.1 1.9 1.8
88................................ 93................... 2.8 2.7 2.6 2.4 2.3 2.2 2.1 2.0 1.9 1.7
89................................ 94................... 2.6 2.6 2.5 2.4 2.2 2.1 2.0 1.9 1.8 1.7
90................................ 95................... 2.5 2.4 2.4 2.3 2.2 2.0 1.9 1.8 1.7 1.6
91................................ 96................... 2.4 2.3 2.2 2.2 2.1 2.0 1.9 1.7 1.6 1.5
92................................ 97................... 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.7 1.6 1.5
93................................ 98................... 2.2 2.1 2.0 1.9 1.9 1.8 1.7 1.6 1.5 1.4
94................................ 99................... 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.5 1.4 1.3
95................................ 100.................. 1.9 1.9 1.8 1.7 1.6 1.6 1.5 1.4 1.3 1.2
96................................ 101.................. 1.8 1.7 1.7 1.6 1.5 1.5 1.4 1.3 1.2 1.1
97................................ 102.................. 1.7 1.6 1.6 1.5 1.4 1.4 1.3 1.2 1.1 1.1
98................................ 103.................. 1.6 1.5 1.4 1.4 1.3 1.3 1.2 1.1 1.0 1.0
99................................ 104.................. 1.4 1.4 1.3 1.3 1.2 1.1 1.1 1.0 1.0 0.9
--------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages
----------------------------------------------------------------------------------------------
Male Female Male 97 98 99 100 101 102 103 104 105 106
----------------------------------------------------------------------------------------------
Female 102 103 104 105 106 107 108 109 110 111
--------------------------------------------------------------------------------------------------------------------------------------------------------
85................................ 90................... 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7
86................................ 91................... 1.7 1.6 1.5 1.3 1.2 1.1 1.0 0.8 0.7 0.7
87................................ 92................... 1.7 1.6 1.4 1.3 1.2 1.1 0.9 0.8 0.7 0.6
88................................ 93................... 1.6 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.6
89................................ 94................... 1.6 1.4 1.3 1.2 1.1 1.0 0.9 0.7 0.7
90................................ 95................... 1.5 1.4 1.3 1.2 1.0 0.9 0.8 0.7 0.6
91................................ 96................... 1.4 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6
92................................ 97................... 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.7
93................................ 98................... 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6
94................................ 99................... 1.2 1.1 1.0 0.9 0.8 0.7 0.7
95................................ 100.................. 1.1 1.0 1.0 0.9 0.8 0.7 0.6
96................................ 101.................. 1.1 1.0 0.9 0.8 0.7 0.7
97................................ 102.................. 1.0 0.9 0.8 0.7 0.7 0.6
98................................ 103.................. 0.9 0.8 0.7 0.7 0.6
99................................ 104.................. 0.8 0.7 0.7 0.6 ....... ....... ....... ....... ....... .......
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table III_Percent Value of Refund Feature
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Duration of guaranteed amount_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 1 2 3 4 5 6 7 8 9 10 11 12 13
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6.......................................... 11............................ ....... ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1
7.......................................... 12............................ ....... ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1
8.......................................... 13............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
9.......................................... 14............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
10......................................... 15............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
11......................................... 16............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
12......................................... 17............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
13......................................... 18............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
14......................................... 19............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
15......................................... 20............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
16......................................... 21............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
17......................................... 22............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
18......................................... 23............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
19......................................... 24............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
20......................................... 25............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
21......................................... 26............................ ....... ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1
22......................................... 27............................ ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1 1
23......................................... 28............................ ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1 1
24......................................... 29............................ ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1 1
25......................................... 30............................ ....... ....... ....... ....... ....... ....... 1 1 1 1 1 1 1
26......................................... 31............................ ....... ....... ....... ....... ....... 1 1 1 1 1 1 1 1
27......................................... 32............................ ....... ....... ....... ....... ....... 1 1 1 1 1 1 1 1
28......................................... 33............................ ....... ....... ....... ....... ....... 1 1 1 1 1 1 1 1
29......................................... 34............................ ....... ....... ....... ....... ....... 1 1 1 1 1 1 1 2
30......................................... 35............................ ....... ....... ....... ....... 1 1 1 1 1 1 1 2 2
31......................................... 36............................ ....... ....... ....... ....... 1 1 1 1 1 1 1 2 2
32......................................... 37............................ ....... ....... ....... ....... 1 1 1 1 1 1 2 2 2
33......................................... 38............................ ....... ....... ....... 1 1 1 1 1 1 1 2 2 2
34......................................... 39............................ ....... ....... ....... 1 1 1 1 1 1 2 2 2 2
35......................................... 40............................ ....... ....... ....... 1 1 1 1 1 2 2 2 2 2
36......................................... 41............................ ....... ....... ....... 1 1 1 1 1 2 2 2 2 3
37......................................... 42............................ ....... ....... 1 1 1 1 1 2 2 2 2 3 3
38......................................... 43............................ ....... ....... 1 1 1 1 1 2 2 2 2 3 3
39......................................... 44............................ ....... ....... 1 1 1 1 2 2 2 2 3 3 3
40......................................... 45............................ ....... ....... 1 1 1 1 2 2 2 3 3 3 4
41......................................... 46............................ ....... ....... 1 1 1 1 2 2 2 3 3 3 4
42......................................... 47............................ ....... ....... 1 1 1 2 2 2 3 3 3 4 4
43......................................... 48............................ ....... 1 1 1 1 2 2 2 3 3 4 4 4
44......................................... 49............................ ....... 1 1 1 1 2 2 3 3 3 4 4 5
45......................................... 50............................ ....... 1 1 1 2 2 2 3 3 4 4 5 5
46......................................... 51............................ ....... 1 1 1 2 2 3 3 3 4 4 5 5
47......................................... 52............................ ....... 1 1 1 2 2 3 3 4 4 5 5 6
48......................................... 53............................ ....... 1 1 2 2 2 3 3 4 5 5 6 6
49......................................... 54............................ ....... 1 1 2 2 3 3 4 4 5 5 6 7
50......................................... 55............................ ....... 1 1 2 2 3 3 4 5 5 6 7 7
51......................................... 56............................ ....... 1 1 2 3 3 4 4 5 6 6 7 8
52......................................... 57............................ 1 1 2 2 3 3 4 5 5 6 7 8 8
53......................................... 58............................ 1 1 2 2 3 4 4 5 6 7 7 8 9
54......................................... 59............................ 1 1 2 2 3 4 5 5 6 7 8 9 10
55......................................... 60............................ 1 1 2 3 3 4 5 6 7 8 8 9 10
56......................................... 61............................ 1 1 2 3 4 4 5 6 7 8 9 10 11
57......................................... 62............................ 1 1 2 3 4 5 6 7 8 9 10 11 12
58......................................... 63............................ 1 2 2 3 4 5 6 7 8 9 10 12 13
59......................................... 64............................ 1 2 3 4 5 6 7 8 9 10 11 12 14
60......................................... 65............................ 1 2 3 4 5 6 7 8 10 11 12 13 15
61......................................... 66............................ 1 2 3 4 5 6 8 9 10 12 13 14 16
62......................................... 67............................ 1 2 3 4 6 7 8 10 11 12 14 15 17
63......................................... 68............................ 1 2 4 5 6 7 9 10 12 13 15 16 18
64......................................... 69............................ 1 3 4 5 7 8 9 11 13 14 16 17 19
65......................................... 70............................ 1 3 4 6 7 9 10 12 13 15 17 19 20
66......................................... 71............................ 1 3 4 6 8 9 11 13 14 16 18 20 22
67......................................... 72............................ 2 3 5 6 8 10 12 14 15 17 19 21 23
68......................................... 73............................ 2 3 5 7 9 11 13 14 16 18 21 23 25
69......................................... 74............................ 2 4 6 7 9 11 13 16 18 20 22 24 26
70......................................... 75............................ 2 4 6 8 10 12 14 17 19 21 23 26 28
71......................................... 76............................ 2 4 6 9 11 13 15 18 20 22 25 27 29
72......................................... 77............................ 2 5 7 9 12 14 16 19 21 24 26 29 31
73......................................... 78............................ 2 5 7 10 12 15 18 20 23 25 28 30 33
74......................................... 79............................ 3 5 8 11 13 16 19 22 24 27 30 32 35
75......................................... 80............................ 3 6 8 11 14 17 20 23 26 29 31 34 37
76......................................... 81............................ 3 6 9 12 15 18 21 24 27 30 33 36 39
77......................................... 82............................ 3 7 10 13 16 20 23 26 29 32 35 38 41
78......................................... 83............................ 4 7 11 14 17 21 24 28 31 34 37 40 43
79......................................... 84............................ 4 8 11 15 19 22 26 29 33 36 39 42 45
80......................................... 85............................ 4 8 12 16 20 24 27 31 34 38 41 44 47
81......................................... 86............................ 4 9 13 17 21 25 29 33 36 40 43 46 49
82......................................... 87............................ 5 9 14 18 23 27 31 35 38 42 45 48 51
83......................................... 88............................ 5 10 15 19 24 28 33 37 40 44 47 50 53
84......................................... 89............................ 5 11 16 21 26 30 34 38 42 46 49 52 55
85......................................... 90............................ 6 11 17 22 27 32 36 41 44 48 51 55 57
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Duration of guaranteed amount_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 14 15 16 17 18 19 20 21 22 23 24 25 26
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
6.......................................... 11............................ 1 1 1 1 1 1 1 1 1 1 2 2 2
7.......................................... 12............................ 1 1 1 1 1 1 1 1 1 1 2 2 2
8.......................................... 13............................ 1 1 1 1 1 1 1 1 1 1 2 2 2
9.......................................... 14............................ 1 1 1 1 1 1 1 1 1 1 2 2 2
10......................................... 15............................ 1 1 1 1 1 1 1 1 1 2 2 2 2
11......................................... 16............................ 1 1 1 1 1 1 1 1 1 2 2 2 2
12......................................... 17............................ 1 1 1 1 1 1 1 1 1 2 2 2 2
13......................................... 18............................ 1 1 1 1 1 1 1 1 2 2 2 2 2
14......................................... 19............................ 1 1 1 1 1 1 1 1 2 2 2 2 2
15......................................... 20............................ 1 1 1 1 1 1 1 1 2 2 2 2 2
16......................................... 21............................ 1 1 1 1 1 1 1 2 2 2 2 2 2
17......................................... 22............................ 1 1 1 1 1 1 1 2 2 2 2 2 2
18......................................... 23............................ 1 1 1 1 1 1 2 2 2 2 2 2 2
19......................................... 24............................ 1 1 1 1 1 2 2 2 2 2 2 2 2
20......................................... 25............................ 1 1 1 1 1 2 2 2 2 2 2 2 3
21......................................... 26............................ 1 1 1 1 2 2 2 2 2 2 2 3 3
22......................................... 27............................ 1 1 1 1 2 2 2 2 2 2 3 3 3
23......................................... 28............................ 1 1 1 2 2 2 2 2 2 2 3 3 3
24......................................... 29............................ 1 1 2 2 2 2 2 2 2 3 3 3 3
25......................................... 30............................ 1 1 2 2 2 2 2 2 3 3 3 3 3
26......................................... 31............................ 1 2 2 2 2 2 2 3 3 3 3 3 4
27......................................... 32............................ 2 2 2 2 2 2 3 3 3 3 3 4 4
28......................................... 33............................ 2 2 2 2 2 3 3 3 3 3 4 4 4
29......................................... 34............................ 2 2 2 2 2 3 3 3 3 4 4 4 5
30......................................... 35............................ 2 2 2 2 3 3 3 3 4 4 4 5 5
31......................................... 36............................ 2 2 2 3 3 3 3 4 4 4 5 5 5
32......................................... 37............................ 2 2 3 3 3 3 4 4 4 5 5 5 6
33......................................... 38............................ 2 3 3 3 3 4 4 4 5 5 5 6 6
34......................................... 39............................ 3 3 3 3 4 4 4 5 5 5 6 6 7
35......................................... 40............................ 3 3 3 4 4 4 5 5 5 6 6 7 7
36......................................... 41............................ 3 3 4 4 4 5 5 5 6 6 7 7 8
37......................................... 42............................ 3 3 4 4 4 5 5 6 6 7 7 8 8
38......................................... 43............................ 3 4 4 4 5 5 6 6 7 7 8 8 9
39......................................... 44............................ 4 4 4 5 5 6 6 7 7 8 8 9 9
40......................................... 45............................ 4 4 5 5 6 6 7 7 8 8 9 9 10
41......................................... 46............................ 4 5 5 6 6 7 7 8 8 9 9 10 11
42......................................... 47............................ 5 5 5 6 6 7 8 8 9 9 10 11 12
43......................................... 48............................ ....... 5 6 6 7 8 8 9 9 10 11 12 12
44......................................... 49............................ 5 6 6 7 7 8 9 9 10 11 12 12 13
45......................................... 50............................ 6 6 7 7 8 9 9 10 11 12 12 13 14
46......................................... 51............................ 6 7 7 8 9 9 10 11 12 12 13 14 15
47......................................... 52............................ 7 7 8 9 9 10 11 12 12 13 14 15 16
48......................................... 53............................ 7 8 8 9 10 11 12 12 13 14 15 16 17
49......................................... 54............................ 8 8 9 10 11 11 12 13 14 15 16 17 18
50......................................... 55............................ 8 9 10 11 11 12 13 14 15 16 17 18 20
51......................................... 56............................ 9 10 10 11 12 13 14 15 16 17 18 20 21
52......................................... 57............................ 9 10 11 12 13 14 15 16 17 18 20 21 22
53......................................... 58............................ 10 11 12 13 14 15 16 17 19 20 21 22 24
54......................................... 59............................ 11 12 13 14 15 16 17 18 20 21 22 24 25
55......................................... 60............................ 11 13 14 15 16 17 18 20 21 22 24 25 26
56......................................... 61............................ 12 13 15 16 17 18 20 21 22 24 25 27 28
57......................................... 62............................ 13 14 16 17 18 20 21 22 24 25 27 28 30
58......................................... 63............................ 14 15 17 18 19 21 22 24 25 27 28 30 31
59......................................... 64............................ 15 16 18 19 21 22 24 25 27 28 30 31 33
60......................................... 65............................ 16 18 19 20 22 24 25 27 28 30 32 33 35
61......................................... 66............................ 17 19 20 22 23 25 27 28 30 32 33 35 37
62......................................... 67............................ 18 20 22 23 25 27 28 30 32 33 35 37 38
63......................................... 68............................ 20 21 23 25 26 28 30 32 33 35 37 39 40
64......................................... 69............................ 21 23 24 26 28 30 32 33 35 37 39 41 42
65......................................... 70............................ 22 24 26 28 30 32 33 35 37 39 41 42 44
66......................................... 71............................ 24 26 28 29 31 33 35 37 39 41 43 44 46
67......................................... 72............................ 25 27 29 31 33 35 37 39 41 43 45 46 48
68......................................... 73............................ 27 29 31 33 35 37 39 41 43 45 47 48 50
69......................................... 74............................ 28 30 33 35 37 39 41 43 45 47 48 50 52
70......................................... 75............................ 30 32 34 37 39 41 43 45 47 49 50 52 54
71......................................... 76............................ 32 34 36 39 41 43 45 47 49 51 52 54 56
72......................................... 77............................ 34 36 38 41 43 45 47 49 51 53 54 56 58
73......................................... 78............................ 35 38 40 43 45 47 49 51 53 55 56 58 59
74......................................... 79............................ 37 40 42 45 47 49 51 53 55 57 58 60 61
75......................................... 80............................ 39 42 44 47 49 51 53 55 57 58 60 62 63
76......................................... 81............................ 41 44 46 49 51 53 55 57 59 60 62 63 65
77......................................... 82............................ 43 46 48 51 53 55 57 59 61 62 64 65 66
78......................................... 83............................ 45 48 50 53 55 57 59 61 62 64 65 67 68
79......................................... 84............................ 48 50 53 55 57 59 61 63 64 66 67 68 70
80......................................... 85............................ 50 52 55 57 59 61 63 64 66 67 69 70 71
81......................................... 86............................ 52 54 57 59 61 63 65 66 68 69 70 72 73
82......................................... 87............................ 54 56 59 61 63 65 66 68 69 71 72 73 74
83......................................... 88............................ 56 58 61 63 65 66 68 70 71 72 73 74 75
84......................................... 89............................ 58 60 63 65 67 68 70 71 73 74 75 76 77
85......................................... 90............................ 60 62 65 67 68 70 71 73 74 75 76 77 .......
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Duration of guaranteed amount_[Years]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 27 28 29 30 31 32 33 34 35
--------------------------------------------------------------------------------------------------------------------------------------------------------
6............................... 11................. 2 2 2 2 2 2 2 2 2
7............................... 12................. 2 2 2 2 2 2 2 2 3
8............................... 13................. 2 2 2 2 2 2 2 2 3
9............................... 14................. 2 2 2 2 2 2 2 3 3
10.............................. 15................. 2 2 2 2 2 2 3 3 3
11.............................. 16................. 2 2 2 2 2 2 3 3 3
12.............................. 17................. 2 2 2 2 2 3 3 3 3
13.............................. 18................. 2 2 2 2 2 3 3 3 3
14.............................. 19................. 2 2 2 2 3 3 3 3 3
15.............................. 20................. 2 2 2 3 3 3 3 3 3
16.............................. 21................. 2 2 3 3 3 3 3 3 4
17.............................. 22................. 2 2 3 3 3 3 3 4 4
18.............................. 23................. 2 3 3 3 3 3 4 4 4
19.............................. 24................. 3 3 3 3 3 4 4 4 4
20.............................. 25................. 3 3 3 3 4 4 4 4 5
21.............................. 26................. 3 3 3 4 4 4 4 5 5
22.............................. 27................. 3 3 4 4 4 4 5 5 5
23.............................. 28................. 3 3 4 4 4 5 5 5 5
24.............................. 29................. 3 4 4 4 5 5 5 5 6
25.............................. 30................. 4 4 4 5 5 5 6 6 6
26.............................. 31................. 4 4 5 5 5 6 6 6 7
27.............................. 32................. 4 5 5 5 6 6 6 7 7
28.............................. 33................. 5 5 5 6 6 6 7 7 8
29.............................. 34................. 5 5 6 6 6 7 7 8 8
30.............................. 35................. 5 6 6 6 7 7 8 8 9
31.............................. 36................. 6 6 6 7 7 8 8 9 9
32.............................. 37................. 6 7 7 7 8 8 9 10 10
33.............................. 38................. 7 7 7 8 8 9 10 10 11
34.............................. 39................. 7 8 8 9 9 10 10 11 12
35.............................. 40................. 8 8 9 9 10 10 11 12 12
36.............................. 41................. 8 9 9 10 10 11 12 13 13
37.............................. 42................. 9 9 10 11 11 12 13 13 14
38.............................. 43................. 9 10 11 11 12 13 13 14 15
39.............................. 44................. 10 11 11 12 13 14 14 15 16
40.............................. 45................. 11 11 12 13 14 15 15 16 17
41.............................. 46................. 11 12 13 14 15 16 16 17 18
42.............................. 47................. 12 13 14 15 16 17 18 18 19
43.............................. 48................. 13 14 15 16 17 18 19 20 21
44.............................. 49................. 14 15 16 17 18 19 20 21 22
45.............................. 50................. 15 16 17 18 19 20 21 22 23
46.............................. 51................. 16 17 18 19 20 21 22 24 25
47.............................. 52................. 17 18 19 20 21 23 24 25 26
48.............................. 53................. 18 19 20 22 23 24 25 26 28
49.............................. 54................. 19 21 22 23 24 25 27 28 29
50.............................. 55................. 21 22 23 24 26 27 28 29 31
51.............................. 56................. 22 23 25 26 27 28 30 31 32
52.............................. 57................. 23 25 26 27 29 30 31 33 34
53.............................. 58................. 25 26 28 29 30 32 33 34 36
54.............................. 59................. 26 28 29 31 32 33 35 36 38
55.............................. 60................. 28 29 31 32 34 35 36 38 39
56.............................. 61................. 29 31 32 34 35 37 38 40 41
57.............................. 62................. 31 33 34 36 37 39 40 41 43
58.............................. 63................. 33 34 36 37 39 40 42 43 45
59.............................. 64................. 35 36 38 39 41 42 44 45 47
60.............................. 65................. 36 38 40 41 43 44 46 47 48
61.............................. 66................. 38 40 41 43 44 46 47 49 50
62.............................. 67................. 40 42 43 45 46 48 49 51 52
63.............................. 68................. 42 44 45 47 48 50 51 52 54
64.............................. 69................. 44 46 47 49 50 52 53 54 55
65.............................. 70................. 46 47 49 50 52 53 55 56 57
66.............................. 71................. 48 49 51 52 54 55 56 58 59
67.............................. 72................. 50 51 53 54 56 57 58 59 61
68.............................. 73................. 52 53 55 56 57 59 60 61 62
69.............................. 74................. 53 55 56 58 59 60 62 63 64
70.............................. 75................. 55 57 58 60 61 62 62 64 65
71.............................. 76................. 57 59 60 61 63 64 65 66 67
72.............................. 77................. 59 60 62 63 64 65 66 67 68
73.............................. 78................. 61 62 64 65 66 67 68 69 70
74.............................. 79................. 63 64 65 66 67 68 69 70 71
75.............................. 80................. 64 66 67 68 69 70 71 72 72
76.............................. 81................. 66 67 68 69 70 71 72 73
77.............................. 82................. 68 69 70 71 72 73 74
78.............................. 83................. 69 70 71 72 73 74
79.............................. 84................. 71 72 73 74 75
80.............................. 85................. 72 73 74 75
81.............................. 86................. 74 75 75
82.............................. 87................. 75 76
83.............................. 88................. 76
84.............................. 89.................
85.............................. 90................. ......... ......... ......... ......... ......... ......... ......... ......... .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Duration of guaranteed amount_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 1 2 3 4 5 6 7 8 9 10 11 12 13 14
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
86..................................... 91....................... 6 12 18 24 29 34 38 43 47 50 54 57 59 62
87..................................... 92....................... 7 13 19 25 31 36 40 45 49 52 56 59 61 64
88..................................... 93....................... 7 14 21 27 32 38 42 47 51 55 58 61 63 66
89..................................... 94....................... 8 15 22 28 34 40 45 49 53 57 60 63 65 68
90..................................... 95....................... 8 16 23 30 36 42 47 51 55 59 62 65 67 70
91..................................... 96....................... 9 17 25 32 38 44 49 53 57 61 64 67 69 71
92..................................... 97....................... 9 18 26 34 40 46 51 55 59 63 66 69 71 73
93..................................... 98....................... 10 20 28 36 42 48 53 58 62 65 68 70 73 75
94..................................... 99....................... 11 21 30 37 44 50 55 60 64 67 70 72 74 76
95..................................... 100...................... 12 22 31 39 46 52 58 62 66 69 72 74 76 78
96..................................... 101...................... 12 24 33 42 49 55 60 64 68 71 73 76 78 79
97..................................... 102...................... 13 25 35 44 51 57 62 66 70 73 75 77 79
98..................................... 103...................... 14 27 37 46 54 60 65 69 72 75 77 79
99..................................... 104...................... 15 29 40 49 56 62 67 71 74 77 79
100.................................... 105...................... 17 31 43 52 59 65 70 74 76 79
101.................................... 106...................... 18 33 46 55 63 68 73 76 79
102.................................... 107...................... 20 36 49 59 66 71 75 78
103.................................... 108...................... 22 40 53 62 69 74 78
104.................................... 109...................... 24 43 57 66 73 77
105.................................... 110...................... 27 48 61 70 76
106.................................... 111...................... ....... 53 66 74
107.................................... 112...................... 35 53 71
108.................................... 113...................... 40 64 ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... .......
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Duration of guaranteed amount_[Years]
--------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 15 16 17 18 19 20 21 22 23 24 25
--------------------------------------------------------------------------------------------------------------------------------------------------------
86.............................. 91................. 64 66 68 70 72 73 74 75 76 77
87.............................. 92................. 66 68 70 72 73 74 76 77 78
88.............................. 93................. 68 70 72 73 75 76 77 78
89.............................. 94................. 70 72 73 75 76 77 78
90.............................. 95................. 72 73 75 76 77 79
91.............................. 96................. 73 75 76 78 79
92.............................. 97................. 75 76 78 79
93.............................. 98................. 76 78 79
94.............................. 99................. 78 79
95.............................. 100................ 79 ....... ....... ....... ....... ....... ....... ....... ....... ....... .......
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table IV_Temporary Life Annuities \1\_One Life_Expected Return Multiples
[See footnote at end of table]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Temporary period_maximum duration of annuity_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 1 2 3 4 5 6 7 8 9 10
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
0 to 8......................................... 0 to 13.......................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
9.............................................. 14............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
10............................................. 15............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
11............................................. 16............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
12............................................. 17............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
13............................................. 18............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
14............................................. 19............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
15............................................. 20............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
16............................................. 21............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
17............................................. 22............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
18............................................. 23............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
19............................................. 24............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
20............................................. 25............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
21............................................. 26............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
22............................................. 27............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
23............................................. 28............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9
24............................................. 29............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9
25............................................. 30............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9
26............................................. 31............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9
27............................................. 32............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9
28............................................. 33............................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9
29............................................. 34............................... 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9
30............................................. 35............................... 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9
31............................................. 36............................... 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9
32............................................. 37............................... 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9
33............................................. 38............................... 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9
34............................................. 39............................... 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8
35............................................. 40............................... 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8
36............................................. 41............................... 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8
37............................................. 42............................... 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8
38............................................. 43............................... 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8
39............................................. 44............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8
40............................................. 45............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7
41............................................. 46............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7
42............................................. 47............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7
43............................................. 48............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7
44............................................. 49............................... 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.7
45............................................. 50............................... 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6
46............................................. 51............................... 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6
47............................................. 52............................... 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6
48............................................. 53............................... 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.6 9.5
49............................................. 54............................... 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5
50............................................. 55............................... 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5
51............................................. 56............................... 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.7 8.6 9.4
52............................................. 57............................... 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4
53............................................. 58............................... 1.0 2.0 2.9 3.9 4.9 5.8 6.7 7.6 8.5 9.3
54............................................. 59............................... 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3
55............................................. 60............................... 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.5 8.4 9.2
56............................................. 61............................... 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2
57............................................. 62............................... 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1
58............................................. 63............................... 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.3 9.1
59............................................. 64............................... 1.0 2.0 2.9 3.9 4.8 5.7 6.5 7.4 8.2 9.0
60............................................. 65............................... 1.0 2.0 2.9 3.8 4.8 5.6 6.5 7.3 8.1 8.9
61............................................. 66............................... 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8
62............................................. 67............................... 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.8
63............................................. 68............................... 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 7.9 8.7
64............................................. 69............................... 1.0 1.9 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6
65............................................. 70............................... 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.1 7.8 8.5
66............................................. 71............................... 1.0 1.9 2.9 3.8 4.6 5.4 6.2 7.0 7.7 8.4
67............................................. 72............................... 1.0 1.9 2.9 3.7 4.6 5.4 6.2 6.9 7.6 8.3
68............................................. 73............................... 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.2
69............................................. 74............................... 1.0 1.9 2.8 3.7 4.5 5.3 6.1 6.8 7.4 8.0
70............................................. 75............................... 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9
71............................................. 76............................... 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.8
72............................................. 77............................... 1.0 1.9 2.8 3.6 4.4 5.2 5.8 6.5 7.1 7.6
73............................................. 78............................... 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5
74............................................. 79............................... 1.0 1.9 2.8 3.6 4.3 5.0 5.7 6.3 6.8 7.3
75............................................. 80............................... 1.0 1.9 2.7 3.5 4.3 5.0 5.6 6.2 6.7 7.1
76............................................. 81............................... 1.0 1.9 2.7 3.5 4.2 4.9 5.5 6.1 6.5 7.0
77............................................. 82............................... 1.0 1.9 2.7 3.5 4.2 4.8 5.4 5.9 6.4 6.8
78............................................. 83............................... 1.0 1.9 2.7 3.4 4.1 4.7 5.3 5.8 6.2 6.6
79............................................. 84............................... 1.0 1.8 2.7 3.4 4.1 4.7 5.2 5.7 6.1 6.4
80............................................. 85............................... 1.0 1.8 2.6 3.4 4.0 4.6 5.1 5.5 5.9 6.2
81............................................. 86............................... 1.0 1.8 2.6 3.3 3.9 4.5 5.0 5.4 5.7 6.0
82............................................. 87............................... 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.6 5.8
83............................................. 88............................... .9 1.8 2.6 3.2 3.8 4.3 4.7 5.1 5.4 5.6
84............................................. 89............................... .9 1.8 2.5 3.2 3.7 4.2 4.6 4.9 5.2 5.4
85............................................. 90............................... .9 1.8 2.5 3.1 3.6 4.1 4.5 4.8 5.0 5.2
86............................................. 91............................... .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 5.0
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Temporary period_maximum duration of annuity_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 11 12 13 14 15 16 17 18 19 20
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
0 to 8......................................... 0 to 13.......................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
9.............................................. 14............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
10............................................. 15............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
11............................................. 16............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
12............................................. 17............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
13............................................. 18............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
14............................................. 19............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
15............................................. 20............................... 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7
16............................................. 21............................... 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
17............................................. 22............................... 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
18............................................. 23............................... 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
19............................................. 24............................... 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7
20............................................. 25............................... 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7
21............................................. 26............................... 10.9 11.9 12.9 13.8 14.8 15.8 16.8 17.7 18.7 19.6
22............................................. 27............................... 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6
23............................................. 28............................... 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6
24............................................. 29............................... 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6
25............................................. 30............................... 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.7 18.6 19.6
26............................................. 31............................... 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5
27............................................. 32............................... 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5
28............................................. 33............................... 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.5
29............................................. 34............................... 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4
30............................................. 35............................... 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.4
31............................................. 36............................... 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3
32............................................. 37............................... 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.4 19.3
33............................................. 38............................... 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2
34............................................. 39............................... 10.8 11.8 12.7 13.6 14.6 15.5 16.4 17.4 18.3 19.2
35............................................. 40............................... 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1
36............................................. 41............................... 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0
37............................................. 42............................... 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.1 18.9
38............................................. 43............................... 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.9
39............................................. 44............................... 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.1 17.9 18.8
40............................................. 45............................... 10.7 11.6 12.5 13.5 14.4 15.2 16.1 17.0 17.8 18.7
41............................................. 46............................... 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6
42............................................. 47............................... 10.6 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.7 18.5
43............................................. 48............................... 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.6 18.4
44............................................. 49............................... 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.7 17.5 18.3
45............................................. 50............................... 10.5 11.4 12.3 13.2 14.1 14.9 15.7 16.6 17.4 18.1
46............................................. 51............................... 10.5 11.4 12.3 13.2 14.0 14.8 15.7 16.5 17.2 18.0
47............................................. 52............................... 10.5 11.4 12.2 13.1 13.9 14.7 15.6 16.3 17.1 17.8
48............................................. 53............................... 10.4 11.3 12.2 13.0 13.8 14.7 15.4 16.2 17.0 17.7
49............................................. 54............................... 10.4 11.3 12.1 12.9 13.8 14.6 15.3 16.1 16.8 17.5
50............................................. 55............................... 10.3 11.2 12.0 12.9 13.7 14.5 15.2 16.0 16.7 17.4
51............................................. 56............................... 10.3 11.1 12.0 12.8 13.6 14.3 15.1 15.8 16.5 17.2
52............................................. 57............................... 10.2 11.1 11.9 12.7 13.5 14.2 14.9 15.6 16.3 17.0
53............................................. 58............................... 10.2 11.0 11.8 12.6 13.4 14.1 14.8 15.5 16.1 16.8
54............................................. 59............................... 10.1 10.9 11.7 12.5 13.2 14.0 14.6 15.3 15.9 16.5
55............................................. 60............................... 10.1 10.9 11.6 12.4 13.1 13.8 14.5 15.1 15.7 16.3
56............................................. 61............................... 10.0 10.8 11.5 12.3 13.0 13.7 14.3 14.9 15.5 16.1
57............................................. 62............................... 9.9 10.7 11.4 12.2 12.8 13.5 14.1 14.7 15.3 15.8
58............................................. 63............................... 9.8 10.6 11.3 12.0 12.7 13.3 13.9 14.5 15.0 15.5
59............................................. 64............................... 9.8 10.5 11.2 11.9 12.5 13.2 13.7 14.3 14.8 15.3
60............................................. 65............................... 9.7 10.4 11.1 11.7 12.4 13.0 13.5 14.0 14.5 15.0
61............................................. 66............................... 9.6 10.3 11.0 11.6 12.2 12.8 13.3 13.8 14.2 14.7
62............................................. 67............................... 9.5 10.2 10.8 11.4 12.0 12.5 13.1 13.5 14.0 14.3
63............................................. 68............................... 9.4 10.0 10.7 11.3 11.8 12.3 12.8 13.2 13.7 14.0
64............................................. 69............................... 9.3 9.9 10.5 11.1 11.6 12.1 12.5 13.0 13.3 13.7
65............................................. 70............................... 9.1 9.8 10.3 10.9 11.4 11.9 12.3 12.7 13.0 13.3
66............................................. 71............................... 9.0 9.6 10.2 10.7 11.2 11.6 12.0 12.4 12.7 13.0
67............................................. 72............................... 8.9 9.5 10.0 10.5 10.9 11.3 11.7 12.0 12.3 12.6
68............................................. 73............................... 8.7 9.3 9.8 10.3 10.7 11.1 11.4 11.7 12.0 12.2
69............................................. 74............................... 8.6 9.1 9.6 10.0 10.4 10.8 11.1 11.4 11.6 11.8
70............................................. 75............................... 8.4 8.9 9.4 9.8 10.2 10.5 10.8 11.0 11.2 11.4
71............................................. 76............................... 8.3 8.7 9.2 9.6 9.9 10.2 10.4 10.7 10.9 11.0
72............................................. 77............................... 8.1 8.6 8.9 9.3 9.6 9.9 10.1 10.3 10.5 10.6
73............................................. 78............................... 7.9 8.3 8.7 9.0 9.3 9.6 9.8 9.9 10.1 10.2
74............................................. 79............................... 7.7 8.1 8.5 8.8 9.0 9.2 9.4 9.6 9.7 9.8
75............................................. 80............................... 7.6 7.9 8.2 8.5 8.7 8.9 9.1 9.2 9.3 9.4
76............................................. 81............................... 7.4 7.7 8.0 8.2 8.4 8.6 8.7 8.8 8.9 9.0
77............................................. 82............................... 7.1 7.5 7.7 7.9 8.1 8.3 8.4 8.5 8.5 8.6
78............................................. 83............................... 6.9 7.2 7.4 7.6 7.8 7.9 8.0 8.1 8.2 8.2
79............................................. 84............................... 6.7 7.0 7.2 7.3 7.5 7.6 7.7 7.7 7.8 7.8
80............................................. 85............................... 6.5 6.7 6.9 7.1 7.2 7.3 7.3 7.4 7.4 7.4
81............................................. 86............................... 6.3 6.5 6.6 6.8 6.9 6.9 7.0 7.0 7.1
82............................................. 87............................... 6.0 6.2 6.4 6.5 6.5 6.6 6.7 6.7
83............................................. 88............................... 5.8 6.0 6.1 6.2 6.2 6.3 6.3
84............................................. 89............................... 5.6 5.7 5.8 5.9 5.9 6.0
85............................................. 90............................... 5.3 5.5 5.5 5.6 5.6
86............................................. 91............................... 5.1 5.2 5.3 5.3 ......... ......... ......... ......... ......... .........
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Ages Temporary period_maximum duration of annuity_[Years]
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Male Female 21 22 23 24 25 26 27 28 29 30
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
0 to 8......................................... 0 to 13.......................... 20.7 21.7 22.7 23.6 24.6 25.6 26.5 27.5 28.4 29.4
9.............................................. 14............................... 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4
10............................................. 15............................... 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4
11............................................. 16............................... 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
12............................................. 17............................... 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
13............................................. 18............................... 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
14............................................. 19............................... 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.3
15............................................. 20............................... 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.2
16............................................. 21............................... 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.3 28.3 29.2
17............................................. 22............................... 20.7 21.6 22.6 23.5 24.5 25.4 26.4 27.3 28.2 29.2
18............................................. 23............................... 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1
19............................................. 24............................... 20.6 21.6 22.5 23.5 24.4 25.4 26.3 27.2 28.1 29.1
20............................................. 25............................... 20.6 21.6 22.5 23.5 24.4 25.3 26.3 27.2 28.1 29.0
21............................................. 26............................... 20.6 21.5 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9
22............................................. 27............................... 20.6 21.5 22.5 23.4 24.3 25.3 26.2 27.1 28.0 28.9
23............................................. 28............................... 20.6 21.5 22.4 23.4 24.3 25.2 26.1 27.0 27.9 28.8
24............................................. 29............................... 20.5 21.5 22.4 23.3 24.2 25.2 26.1 27.0 27.8 28.7
25............................................. 30............................... 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.8 28.6
26............................................. 31............................... 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.7 28.5
27............................................. 32............................... 20.4 21.3 22.3 23.2 24.1 25.0 25.8 26.7 27.6 28.4
28............................................. 33............................... 20.4 21.3 22.2 23.1 24.0 24.9 25.8 26.6 27.5 28.3
29............................................. 34............................... 20.3 21.2 22.1 23.0 23.9 24.8 25.7 26.5 27.4 28.2
30............................................. 35............................... 20.3 21.2 22.1 23.0 23.8 24.7 25.6 26.4 27.2 28.1
31............................................. 36............................... 20.2 21.1 22.0 22.9 23.8 24.6 25.5 26.3 27.1 27.9
32............................................. 37............................... 20.2 21.1 21.9 22.8 23.7 24.5 25.4 26.2 27.0 27.8
33............................................. 38............................... 20.1 21.0 21.9 22.7 23.6 24.4 25.2 26.0 26.8 27.6
34............................................. 39............................... 20.0 20.9 21.8 22.6 23.5 24.3 25.1 25.9 26.7 27.4
35............................................. 40............................... 20.0 20.8 21.7 22.5 23.3 24.2 25.0 25.7 26.5 27.2
36............................................. 41............................... 19.9 20.7 21.6 22.4 23.2 24.0 24.8 25.6 26.3 27.0
37............................................. 42............................... 19.8 20.6 21.5 22.3 23.1 23.9 24.6 25.4 26.1 26.8
38............................................. 43............................... 19.7 20.5 21.4 22.2 23.0 23.7 24.5 25.2 25.9 26.6
39............................................. 44............................... 19.6 20.4 21.2 22.0 22.8 23.6 24.3 25.0 25.7 26.4
40............................................. 45............................... 19.5 20.3 21.1 21.9 22.6 23.4 24.1 24.8 25.5 26.1
41............................................. 46............................... 19.4 20.2 21.0 21.7 22.5 23.2 23.9 24.6 25.2 25.9
42............................................. 47............................... 19.3 20.1 20.8 21.6 22.3 23.0 23.7 24.3 25.0 25.6
43............................................. 48............................... 19.2 19.9 20.7 21.4 22.1 22.8 23.4 24.1 24.7 25.3
44............................................. 49............................... 19.0 19.8 20.5 21.2 21.9 22.6 23.2 23.8 24.4 25.0
45............................................. 50............................... 18.9 19.6 20.3 21.0 21.7 22.3 22.9 23.5 24.1 24.6
46............................................. 51............................... 18.7 19.4 20.1 20.8 21.5 22.1 22.7 23.2 23.8 24.3
47............................................. 52............................... 18.6 19.3 19.9 20.6 21.2 21.8 22.4 22.9 23.4 23.9
48............................................. 53............................... 18.4 19.1 19.7 20.4 21.0 21.5 22.1 22.6 23.1 23.5
49............................................. 54............................... 18.2 18.9 19.5 20.1 20.7 21.2 21.7 22.2 22.7 23.1
50............................................. 55............................... 18.0 18.7 19.3 19.8 20.4 20.9 21.4 21.9 22.3 22.7
51............................................. 56............................... 17.8 18.4 19.0 19.6 20.1 20.6 21.1 21.5 21.9 22.3
52............................................. 57............................... 17.6 18.2 18.7 19.3 19.8 20.2 20.7 21.1 21.5 21.8
53............................................. 58............................... 17.4 17.9 18.5 19.0 19.4 19.9 20.3 20.7 21.0 21.3
54............................................. 59............................... 17.1 17.7 18.2 18.7 19.1 19.5 19.9 20.2 20.6 20.8
55............................................. 60............................... 16.9 17.4 17.9 18.3 18.7 19.1 19.5 19.8 20.1 20.3
56............................................. 61............................... 16.6 17.1 17.5 18.0 18.4 18.7 19.0 19.3 19.6 19.8
57............................................. 62............................... 16.3 16.8 17.2 17.6 18.0 18.3 18.6 18.9 19.1 19.3
58............................................. 63............................... 16.0 16.5 16.9 17.2 17.6 17.9 18.1 18.4 18.6 18.8
59............................................. 64............................... 15.7 16.1 16.5 16.8 17.1 17.4 17.7 17.9 18.1 18.2
60............................................. 65............................... 15.4 15.8 16.1 16.4 16.7 17.0 17.2 17.4 17.5 17.7
61............................................. 66............................... 15.1 15.4 15.7 16.0 16.3 16.5 16.7 16.9 17.0 17.1
62............................................. 67............................... 14.7 15.0 15.3 15.6 15.8 16.0 16.2 16.3 16.4 16.5
63............................................. 68............................... 14.4 14.6 14.9 15.1 15.3 15.5 15.7 15.8 15.9 16.0
64............................................. 69............................... 14.0 14.3 14.5 14.7 14.9 15.0 15.2 15.3 15.3 15.4
65............................................. 70............................... 13.6 13.8 14.1 14.2 14.4 14.5 14.6 14.7 14.8 14.9
66............................................. 71............................... 13.2 13.4 13.6 13.8 13.9 14.0 14.1 14.2 14.2 14.3
67............................................. 72............................... 12.8 13.0 13.2 13.3 13.4 13.5 13.6 13.7 13.7 13.7
68............................................. 73............................... 12.4 12.6 12.7 12.8 12.9 13.0 13.1 13.1 13.2 13.2
69............................................. 74............................... 12.0 12.1 12.3 12.4 12.4 12.5 12.6 12.6 12.6 12.6
70............................................. 75............................... 11.6 11.7 11.8 11.9 12.0 12.0 12.0 12.1 12.1 12.1
71............................................. 76............................... 11.2 11.3 11.3 11.4 11.5 11.5 11.5 11.6 11.6
72............................................. 77............................... 10.7 10.8 10.9 10.9 11.0 11.0 11.0 11.0
73............................................. 78............................... 10.3 10.4 10.4 10.5 10.5 10.5 10.5
74............................................. 79............................... 9.9 9.9 10.0 10.0 10.1 10.1
75............................................. 80............................... 9.5 9.5 9.6 9.6 9.6
76............................................. 81............................... 9.1 9.1 9.1 9.1
77............................................. 82............................... 8.6 8.7 8.7
78............................................. 83............................... 8.2 8.3
79............................................. 84............................... 7.8
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Footnote to Table IV:
\1\ The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of § 1.72-5.
Table V_Ordinary Life Annuities One Life_Expected Return Multiples
------------------------------------------------------------------------
Age Multiple
------------------------------------------------------------------------
5...................................................... 76.6
6...................................................... 75.6
7...................................................... 74.7
8...................................................... 73.7
9...................................................... 72.7
10..................................................... 71.7
11..................................................... 70.7
12..................................................... 69.7
13..................................................... 68.8
14..................................................... 67.8
15..................................................... 66.8
16..................................................... 65.8
17..................................................... 64.8
18..................................................... 63.9
19..................................................... 62.9
20..................................................... 61.9
21..................................................... 60.9
22..................................................... 59.9
23..................................................... 59.0
24..................................................... 58.0
25..................................................... 57.0
26..................................................... 56.0
27..................................................... 55.1
28..................................................... 54.1
29..................................................... 53.1
30..................................................... 52.2
31..................................................... 51.2
32..................................................... 50.2
33..................................................... 49.3
34..................................................... 48.3
35..................................................... 47.3
36..................................................... 46.4
37..................................................... 45.4
38..................................................... 44.4
39..................................................... 43.5
40..................................................... 42.5
41..................................................... 41.5
42..................................................... 40.6
43..................................................... 39.6
44..................................................... 38.7
45..................................................... 37.7
46..................................................... 36.8
47..................................................... 35.9
48..................................................... 34.9
49..................................................... 34.0
50..................................................... 33.1
51..................................................... 32.2
52..................................................... 31.3
53..................................................... 30.4
54..................................................... 29.5
55..................................................... 28.6
56..................................................... 27.7
57..................................................... 26.8
58..................................................... 25.9
59..................................................... 25.0
60..................................................... 24.2
61..................................................... 23.3
62..................................................... 22.5
63..................................................... 21.6
64..................................................... 20.8
65..................................................... 20.0
66..................................................... 19.2
67..................................................... 18.4
68..................................................... 17.6
69..................................................... 16.8
70..................................................... 16.0
71..................................................... 15.3
72..................................................... 14.6
73..................................................... 13.9
74..................................................... 13.2
75..................................................... 12.5
76..................................................... 11.9
77..................................................... 11.2
78..................................................... 10.6
79..................................................... 10.0
80..................................................... 9.5
81..................................................... 8.9
82..................................................... 8.4
83..................................................... 7.9
84..................................................... 7.4
85..................................................... 6.9
86..................................................... 6.5
87..................................................... 6.1
88..................................................... 5.7
89..................................................... 5.3
90..................................................... 5.0
91..................................................... 4.7
92..................................................... 4.4
93..................................................... 4.1
94..................................................... 3.9
95..................................................... 3.7
96..................................................... 3.4
97..................................................... 3.2
98..................................................... 3.0
99..................................................... 2.8
100.................................................... 2.7
101.................................................... 2.5
102.................................................... 2.3
103.................................................... 2.1
104.................................................... 1.9
105.................................................... 1.8
106.................................................... 1.6
107.................................................... 1.4
108.................................................... 1.3
109.................................................... 1.1
110.................................................... 1.0
111.................................................... .9
112.................................................... .8
113.................................................... .7
114.................................................... .6
115.................................................... .5
------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 5 6 7 8 9 10 11 12 13 14
--------------------------------------------------------------------------------------------------------------------------------------------------------
5................................................... 83.8 83.3 82.8 82.4 82.0 81.6 81.2 80.9 80.6 80.3
6................................................... 83.3 82.8 82.3 81.8 81.4 81.0 80.6 80.3 79.9 79.6
7................................................... 82.8 82.3 81.8 81.3 80.9 80.4 80.0 79.6 79.3 78.9
8................................................... 82.4 81.8 81.3 80.8 80.3 79.9 79.4 79.0 78.6 78.3
9................................................... 82.0 81.4 80.9 80.3 79.8 79.3 78.9 78.4 78.0 77.6
10.................................................. 81.6 81.0 80.4 79.9 79.3 78.8 78.3 77.9 77.4 77.0
11.................................................. 81.2 80.6 80.0 79.4 78.9 78.3 77.8 77.3 76.9 76.4
12.................................................. 80.9 80.3 79.6 79.0 78.4 77.9 77.3 76.8 76.3 75.9
13.................................................. 80.6 79.9 79.3 78.6 78.0 77.4 76.9 76.3 75.8 75.3
14.................................................. 80.3 79.6 78.9 78.3 77.6 77.0 76.4 75.9 75.3 74.8
15.................................................. 80.0 79.3 78.6 77.9 77.3 76.6 76.0 75.4 74.9 74.3
16.................................................. 79.8 79.0 78.3 77.6 76.9 76.3 75.6 75.0 74.4 73.9
17.................................................. 79.5 78.8 78.0 77.3 76.6 75.9 75.3 74.6 74.0 73.4
18.................................................. 79.3 78.5 77.8 77.0 76.3 75.6 74.9 74.3 73.6 73.0
19.................................................. 79.1 78.3 77.5 76.8 76.0 75.3 74.6 73.9 73.3 72.6
20.................................................. 78.9 78.1 77.3 76.5 75.8 75.0 74.3 73.6 72.9 72.3
21.................................................. 78.7 77.9 77.1 76.3 75.5 74.8 74.0 73.3 72.6 71.9
22.................................................. 78.6 77.7 76.9 76.1 75.3 74.5 73.8 73.0 72.3 71.6
23.................................................. 78.4 77.6 76.7 75.9 75.1 74.3 73.5 72.8 72.0 71.3
24.................................................. 78.3 77.4 76.6 75.7 74.9 74.1 73.3 72.6 71.8 71.1
25.................................................. 78.2 77.3 76.4 75.6 74.8 73.9 73.1 72.3 71.6 70.8
26.................................................. 78.0 77.2 76.3 75.4 74.6 73.8 72.9 72.1 71.3 70.6
27.................................................. 77.9 77.1 76.2 75.3 74.4 73.6 72.8 71.9 71.1 70.3
28.................................................. 77.8 76.9 76.1 75.2 74.3 73.4 72.6 71.8 70.9 70.1
29.................................................. 77.7 76.8 76.0 75.1 74.2 73.3 72.5 71.6 70.8 70.0
30.................................................. 77.7 76.8 75.9 75.0 74.1 73.2 72.3 71.5 70.6 69.8
31.................................................. 77.6 76.7 75.8 74.9 74.0 73.1 72.2 71.3 70.5 69.6
32.................................................. 77.5 76.6 75.7 74.8 73.9 73.0 72.1 71.2 70.3 69.5
33.................................................. 77.5 76.5 75.6 74.7 73.8 72.9 72.0 71.1 70.2 69.3
34.................................................. 77.4 76.5 75.5 74.6 73.7 72.8 71.9 71.0 70.1 69.2
35.................................................. 77.3 76.4 75.5 74.5 73.6 72.7 71.8 70.9 70.0 69.1
36.................................................. 77.3 76.3 75.4 74.5 73.5 72.6 71.7 70.8 69.9 69.0
37.................................................. 77.2 76.3 75.4 74.4 73.5 72.6 71.6 70.7 69.8 68.9
38.................................................. 77.2 76.2 75.3 74.4 73.4 72.5 71.6 70.6 69.7 68.8
39.................................................. 77.2 76.2 75.3 74.3 73.4 72.4 71.5 70.6 69.6 68.7
40.................................................. 77.1 76.2 75.2 74.3 73.3 72.4 71.4 70.5 69.6 68.6
41.................................................. 77.1 76.1 75.2 74.2 73.3 72.3 71.4 70.4 69.5 68.6
42.................................................. 77.0 76.1 75.1 74.2 73.2 72.3 71.3 70.4 69.4 68.5
43.................................................. 77.0 76.1 75.1 74.1 73.2 72.2 71.3 70.3 69.4 68.5
44.................................................. 77.0 76.0 75.1 74.1 73.1 72.2 71.2 70.3 69.3 68.4
45.................................................. 77.0 76.0 75.0 74.1 73.1 72.2 71.2 70.2 69.3 68.4
46.................................................. 76.9 76.0 75.0 74.0 73.1 72.1 71.2 70.2 69.3 68.3
47.................................................. 76.9 75.9 75.0 74.0 73.1 72.1 71.1 70.2 69.2 68.3
48.................................................. 76.9 75.9 75.0 74.0 73.0 72.1 71.1 70.1 69.2 68.2
49.................................................. 76.9 75.9 74.9 74.0 73.0 72.0 71.1 70.1 69.1 68.2
50.................................................. 76.9 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.2
51.................................................. 76.8 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.1
52.................................................. 76.8 75.9 74.9 73.9 72.9 72.0 71.0 70.0 69.1 68.1
53.................................................. 76.8 75.8 74.9 73.9 72.9 71.9 71.0 70.0 69.0 68.1
54.................................................. 76.8 75.8 74.8 73.9 72.9 71.9 71.0 70.0 69.0 68.1
55.................................................. 76.8 75.8 74.8 73.9 72.9 71.9 70.9 70.0 69.0 68.0
56.................................................. 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0
57.................................................. 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0
58.................................................. 76.8 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0
59.................................................. 76.7 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0
60.................................................. 76.7 75.8 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9
61.................................................. 76.7 75.7 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9
62.................................................. 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9
63.................................................. 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9
64.................................................. 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9
65.................................................. 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9
66.................................................. 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.9 67.9
67.................................................. 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9
68.................................................. 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9
69.................................................. 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8
70.................................................. 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8
71.................................................. 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8
72.................................................. 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8
73.................................................. 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8
74.................................................. 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8
75.................................................. 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8
76.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8
77.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8
78.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
79.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
80.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
81.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
82.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
83.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
84.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
85.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
86.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
87.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
88.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8
89.................................................. 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
90.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
91.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
92.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
93.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
94.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
95.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
96.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
97.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
98.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
99.................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
100................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
101................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
102................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
103................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
104................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
105................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
106................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
107................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
108................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
109................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
110................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
111................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
112................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
113................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
114................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
115................................................. 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 15 16 17 18 19 20 21 22 23 24
--------------------------------------------------------------------------------------------------------------------------------------------------------
15.................................................. 73.8 73.3 72.9 72.4 72.0 71.6 71.3 70.9 70.6 70.3
16.................................................. 73.3 72.8 72.3 71.9 71.4 71.0 70.7 70.3 70.0 69.6
17.................................................. 72.9 72.3 71.8 71.3 70.9 70.5 70.0 69.7 69.3 69.0
18.................................................. 72.4 71.9 71.3 70.8 70.4 69.0 69.5 69.9 68.7 68.3
19.................................................. 72.0 71.4 70.9 70.4 69.8 69.4 68.9 68.5 68.1 67.7
20.................................................. 71.6 71.0 70.5 69.9 69.4 68.8 68.4 67.9 67.5 67.1
21.................................................. 71.3 70.7 70.0 69.5 68.9 68.4 67.9 67.4 66.9 66.5
22.................................................. 70.9 70.3 69.7 69.0 68.5 67.9 67.4 66.9 66.4 65.9
23.................................................. 70.6 70.0 69.3 68.7 68.1 67.5 66.9 66.4 65.9 65.4
24.................................................. 70.3 69.6 69.0 68.3 67.7 67.1 66.5 65.9 65.4 64.9
25.................................................. 70.1 69.3 68.6 68.0 67.3 66.7 66.1 65.5 64.9 64.4
26.................................................. 69.8 69.1 68.3 67.6 67.0 66.3 65.7 65.1 64.5 63.9
27.................................................. 69.6 68.8 68.1 67.3 66.7 66.0 65.3 64.7 64.1 63.5
28.................................................. 69.3 68.6 67.8 67.1 66.4 65.7 65.0 64.3 63.7 63.1
29.................................................. 69.1 68.4 67.6 66.8 66.1 65.4 64.7 64.0 63.3 62.7
30.................................................. 69.0 68.2 67.4 66.6 65.8 65.1 64.4 63.7 63.0 62.3
31.................................................. 68.8 68.0 67.2 66.4 65.6 64.8 64.1 63.4 62.7 62.0
32.................................................. 68.6 67.8 67.0 66.2 65.4 64.6 63.8 63.1 62.4 61.7
33.................................................. 68.5 67.6 66.8 66.0 65.2 64.4 63.6 62.8 62.1 61.4
34.................................................. 68.3 67.5 66.6 65.8 65.0 64.2 63.4 62.6 61.9 61.1
35.................................................. 68.2 67.4 66.5 65.6 64.8 64.0 63.2 62.4 61.6 60.9
36.................................................. 68.1 67.2 66.4 65.5 64.7 63.8 63.0 62.2 61.4 60.6
37.................................................. 68.0 67.1 66.2 65.4 64.5 63.7 62.8 62.0 61.2 60.4
38.................................................. 67.9 67.0 66.1 65.2 64.4 63.5 62.7 61.8 61.0 60.2
39.................................................. 67.8 66.9 66.0 65.1 64.2 63.4 62.5 61.7 60.8 60.0
40.................................................. 67.7 66.8 65.9 65.0 64.1 63.3 62.4 61.5 60.7 59.9
41.................................................. 67.7 66.7 65.8 64.9 64.0 63.1 62.3 61.4 60.5 59.7
42.................................................. 67.6 66.7 65.7 64.8 63.9 63.0 62.2 61.3 60.4 59.6
43.................................................. 67.5 66.6 65.7 64.8 63.8 62.9 62.1 61.2 60.3 59.4
44.................................................. 67.5 66.5 65.6 64.7 63.8 62.9 62.0 61.1 60.2 59.3
45.................................................. 67.4 66.5 65.5 64.6 63.7 62.8 61.9 61.0 60.1 59.2
46.................................................. 67.4 66.4 65.4 64.6 63.6 62.7 61.8 60.9 60.0 59.1
47.................................................. 67.3 66.4 65.4 64.5 63.6 62.6 61.7 60.8 59.9 59.0
48.................................................. 67.3 66.3 65.4 64.4 63.5 62.6 61.6 60.7 59.8 58.9
49.................................................. 67.2 66.3 65.3 64.4 63.5 62.5 61.6 60.7 59.7 58.8
50.................................................. 67.2 66.2 65.3 64.3 63.4 62.5 61.5 60.6 59.7 58.8
51.................................................. 67.2 66.2 65.3 64.3 63.4 62.4 61.5 60.5 59.6 58.7
52.................................................. 67.1 66.2 65.2 64.3 63.3 62.4 61.4 60.5 59.6 58.6
53.................................................. 67.1 66.2 65.2 64.2 63.3 62.3 61.4 60.4 59.5 58.6
54.................................................. 67.1 66.1 65.2 64.2 63.2 62.3 61.3 60.4 59.5 58.5
55.................................................. 67.1 66.1 65.1 64.2 63.2 62.3 61.3 60.4 59.4 58.5
56.................................................. 67.0 66.1 65.1 64.1 63.2 62.2 61.3 60.3 59.4 58.4
57.................................................. 67.0 66.1 65.1 64.1 63.2 62.2 61.2 60.3 59.3 58.4
58.................................................. 67.0 66.0 65.1 64.1 63.1 62.2 61.2 60.3 59.3 58.4
59.................................................. 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.3 58.3
60.................................................. 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.2 58.3
61.................................................. 67.0 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.3
62.................................................. 66.9 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.2
63.................................................. 66.9 66.0 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2
64.................................................. 66.9 65.9 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2
65.................................................. 66.9 65.9 65.0 64.0 63.0 62.0 61.1 60.1 59.1 58.2
66.................................................. 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.2
67.................................................. 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.1
68.................................................. 66.9 65.9 64.9 64.0 63.0 62.0 61.0 60.1 59.1 58.1
69.................................................. 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1
70.................................................. 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1
71.................................................. 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.1 58.1
72.................................................. 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1
73.................................................. 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1
74.................................................. 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1
75.................................................. 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.1
76.................................................. 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0
76.................................................. 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0
77.................................................. 66.8 65.9 64.9 63.9 63.9 62.9 61.0 60.0 59.0 58.0
78.................................................. 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0
79.................................................. 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0
80.................................................. 66.8 65.9 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0
81.................................................. 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0
82.................................................. 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0
83.................................................. 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0
84.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
85.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
86.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
87.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
88.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
89.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
90.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
91.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0
92.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
93.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
94.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
95.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
96.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
97.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
98.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
99.................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
100................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
101................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
102................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
103................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
104................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
105................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
106................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
107................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
108................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
109................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
110................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
111................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
112................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
113................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
114................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
115................................................. 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 25 26 27 28 29 30 31 32 33 34
--------------------------------------------------------------------------------------------------------------------------------------------------------
25.................................................. 63.9 63.4 62.9 62.5 62.1 61.7 61.3 61.0 60.7 60.4
26.................................................. 63.4 62.9 62.4 61.9 61.5 61.1 60.7 60.4 60.0 59.7
27.................................................. 62.9 62.4 61.9 61.4 60.9 60.5 60.1 59.7 59.4 59.0
28.................................................. 62.5 61.9 61.4 60.9 60.4 60.0 59.5 59.1 58.7 58.4
29.................................................. 62.1 61.5 60.9 60.4 59.9 59.4 59.0 58.5 58.1 57.7
30.................................................. 61.7 61.1 60.5 60.0 59.4 58.9 58.4 58.0 57.5 57.1
31.................................................. 61.3 60.7 60.1 59.5 59.0 58.4 57.9 57.4 57.0 56.5
32.................................................. 61.0 60.4 59.7 59.1 58.5 58.0 57.4 56.9 56.4 56.0
33.................................................. 60.7 60.0 59.4 58.7 58.1 57.5 57.0 56.4 55.9 55.5
34.................................................. 60.4 59.7 59.0 58.4 57.7 57.1 56.5 56.0 55.5 54.9
35.................................................. 60.1 59.4 58.7 58.0 57.4 56.7 56.1 55.6 55.0 54.5
36.................................................. 59.9 59.1 58.4 57.7 57.0 56.4 55.8 55.1 54.6 54.0
37.................................................. 59.6 58.9 58.1 57.4 56.7 56.0 55.4 54.8 54.2 53.6
38.................................................. 59.4 58.6 57.9 57.9 56.4 55.7 55.1 54.4 53.8 53.2
39.................................................. 59.2 58.4 57.7 56.9 56.2 55.4 54.7 54.1 53.4 52.8
40.................................................. 59.0 58.2 57.4 56.7 55.9 55.2 54.5 53.8 53.1 52.4
41.................................................. 58.9 58.0 57.2 56.4 55.7 54.9 54.2 53.5 52.8 52.1
42.................................................. 58.7 57.9 57.1 56.2 55.5 54.7 53.9 53.2 52.5 51.8
43.................................................. 58.6 57.7 56.9 56.1 55.3 54.5 53.7 52.9 52.2 51.5
44.................................................. 58.4 57.6 56.7 55.9 55.1 54.3 53.5 52.7 52.0 51.2
45.................................................. 58.3 57.4 56.6 55.7 54.9 54.1 53.3 52.5 51.7 51.0
46.................................................. 58.2 57.3 56.5 55.6 54.8 53.9 53.1 52.3 51.5 50.7
47.................................................. 58.1 57.2 56.3 55.5 54.6 53.8 52.9 52.1 51.3 50.5
48.................................................. 58.0 57.1 56.2 55.3 54.5 53.6 52.8 51.9 51.1 50.3
49.................................................. 57.9 57.0 56.1 55.2 54.4 53.5 52.6 51.8 51.0 50.1
50.................................................. 57.8 56.9 56.0 55.1 54.2 53.4 52.5 51.7 50.8 50.0
51.................................................. 57.8 56.9 55.9 55.0 54.1 53.3 52.4 51.5 50.7 49.8
52.................................................. 57.7 56.8 55.9 55.0 54.1 53.2 52.3 51.4 50.5 49.7
53.................................................. 57.6 56.7 55.8 54.9 54.0 53.1 52.2 51.3 50.4 49.6
54.................................................. 57.6 56.7 55.7 54.8 53.9 53.0 52.1 51.2 50.3 49.4
55.................................................. 57.5 56.6 55.7 54.7 53.8 52.9 52.0 51.1 40.2 49.3
56.................................................. 57.5 56.5 55.6 54.7 53.8 52.8 51.9 51.0 50.1 49.2
57.................................................. 57.4 56.5 55.6 54.6 53.7 52.8 51.9 50.9 50.0 49.1
58.................................................. 57.4 56.5 55.5 54.6 53.6 52.7 51.8 50.9 50.0 49.1
59.................................................. 57.4 56.4 55.5 54.5 53.6 52.7 51.7 50.8 49.9 49.0
60.................................................. 57.3 56.4 55.4 54.5 53.6 52.6 51.7 50.8 49.8 48.9
61.................................................. 57.3 56.4 55.4 54.5 53.5 52.6 51.6 50.7 49.8 48.9
62.................................................. 57.3 56.3 55.4 54.4 53.5 52.5 51.6 50.7 49.7 48.8
63.................................................. 57.3 56.3 55.3 54.4 53.4 52.5 51.6 50.6 49.7 48.7
64.................................................. 57.2 56.3 55.3 54.4 53.4 52.5 51.5 50.6 49.6 48.7
65.................................................. 57.2 56.3 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.7
66.................................................. 57.2 56.2 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.6
67.................................................. 57.2 56.2 55.3 54.3 53.3 52.4 51.4 50.5 49.5 48.6
68.................................................. 57.2 56.2 55.2 54.3 53.3 52.4 51.4 50.4 49.5 48.6
69.................................................. 57.1 56.2 55.2 54.3 53.3 52.3 51.4 50.4 49.5 48.5
70.................................................. 57.1 56.2 55.2 54.2 53.3 52.3 51.4 50.4 49.4 48.5
71.................................................. 57.1 56.2 55.2 54.2 53.3 52.3 51.3 50.4 49.4 48.5
72.................................................. 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.4 49.4 48.5
73.................................................. 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4
74.................................................. 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4
75.................................................. 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.4 48.4
76.................................................. 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4
77.................................................. 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4
78.................................................. 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4
79.................................................. 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.4
80.................................................. 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3
81.................................................. 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3
82.................................................. 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3
83.................................................. 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3
84.................................................. 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3
85.................................................. 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.2 49.3 48.3
86.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
87.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
88.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
89.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
90.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
91.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
92.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
93.................................................. 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
94.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
95.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
96.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
97.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
98.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
99.................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
100................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
101................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
102................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
103................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
104................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
105................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
106................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
107................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
108................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
109................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
110................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
111................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
112................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
113................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
114................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
115................................................. 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 35 36 37 38 39 40 41 42 43 44
--------------------------------------------------------------------------------------------------------------------------------------------------------
35.................................................. 54.0 53.5 53.0 52.6 52.2 51.8 51.4 51.1 50.8 50.5
36.................................................. 53.5 53.0 52.5 52.0 51.6 51.2 50.8 50.4 50.1 49.8
37.................................................. 53.0 52.5 52.0 51.5 51.0 50.6 50.2 49.8 49.5 49.1
38.................................................. 52.6 52.0 51.5 51.0 50.5 50.0 49.6 49.2 48.8 48.5
39.................................................. 52.2 51.6 51.0 50.5 50.0 49.5 49.1 48.6 48.2 47.8
40.................................................. 51.8 51.2 50.6 50.0 49.5 49.0 48.5 48.1 47.6 47.2
41.................................................. 51.4 50.8 50.2 49.6 49.1 48.5 48.0 47.5 47.1 46.7
42.................................................. 51.1 50.4 49.8 49.2 48.6 48.1 47.5 47.0 46.6 46.1
43.................................................. 50.8 50.1 49.5 48.8 48.2 47.6 47.1 46.6 46.0 45.6
44.................................................. 50.5 49.8 49.1 48.5 47.8 47.2 46.7 46.1 45.6 45.1
45.................................................. 50.2 49.5 48.8 48.1 47.5 46.9 46.3 45.7 45.1 44.6
46.................................................. 50.0 49.2 48.5 47.8 47.2 46.5 45.9 45.3 44.7 44.1
47.................................................. 49.7 49.0 48.3 47.5 46.8 46.2 45.5 44.9 44.3 43.7
48.................................................. 49.5 48.8 48.0 47.3 46.6 45.9 45.2 44.5 43.9 43.3
49.................................................. 49.3 48.5 47.8 47.0 46.3 45.6 44.9 44.2 43.6 42.9
50.................................................. 49.2 48.4 47.6 46.8 46.0 45.3 44.6 43.9 43.2 42.6
51.................................................. 49.0 48.2 47.4 46.6 45.8 45.1 44.3 43.6 42.9 44.2
52.................................................. 48.8 48.0 47.2 46.4 45.6 44.8 44.1 43.3 42.6 41.9
53.................................................. 48.7 47.9 47.0 46.2 45.4 44.6 43.9 43.1 42.4 41.7
54.................................................. 48.6 47.7 46.9 46.0 45.2 44.4 43.6 42.9 42.1 41.4
55.................................................. 48.5 47.6 46.7 45.9 45.1 44.2 43.4 42.7 41.9 41.2
56.................................................. 48.3 47.5 46.6 45.8 44.9 44.1 43.3 42.5 41.7 40.9
57.................................................. 48.3 47.4 46.5 45.6 44.8 43.9 43.1 42.3 41.5 40.7
58.................................................. 48.2 47.3 46.4 45.5 44.7 43.8 43.0 42.1 41.3 40.5
59.................................................. 48.1 47.2 46.3 45.4 44.5 43.7 42.8 42.0 41.2 40.4
60.................................................. 48.0 47.1 46.2 45.3 44.4 43.6 42.7 41.9 41.0 40.2
61.................................................. 47.9 47.0 46.1 45.2 44.3 43.5 42.6 41.7 40.9 40.0
62.................................................. 47.9 47.0 46.0 45.1 44.2 43.4 42.5 41.6 40.8 39.9
63.................................................. 47.8 46.9 46.0 45.1 44.2 43.3 42.4 41.5 40.6 39.8
64.................................................. 47.8 46.8 45.9 45.0 44.1 43.2 42.3 41.4 40.5 39.7
65.................................................. 47.7 46.8 45.9 44.9 44.0 43.1 42.2 41.3 40.4 39.6
66.................................................. 47.7 46.7 45.8 44.9 44.0 43.1 42.2 41.3 40.4 39.5
67.................................................. 47.6 46.7 45.8 44.8 43.9 43.0 42.1 41.2 40.3 39.4
68.................................................. 47.6 46.7 45.7 44.8 43.9 42.9 42.0 41.1 40.2 39.3
69.................................................. 47.6 46.6 45.7 44.8 43.8 42.9 42.0 41.1 40.2 39.3
70.................................................. 47.5 46.6 45.7 44.7 43.8 42.9 41.9 41.0 40.1 39.2
71.................................................. 47.5 46.6 45.6 44.7 43.8 42.8 41.9 41.0 40.1 39.1
72.................................................. 47.5 46.6 45.6 44.7 43.7 42.8 41.9 40.9 40.0 39.1
73.................................................. 47.5 46.5 45.6 44.6 43.7 42.8 41.8 40.9 40.0 39.0
74.................................................. 47.5 46.5 45.6 44.6 43.7 42.7 41.8 40.9 39.9 39.0
75.................................................. 47.4 46.5 45.5 44.6 43.6 42.7 41.8 40.8 39.9 39.0
76.................................................. 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.9 38.9
77.................................................. 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.8 38.9
78.................................................. 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9
79.................................................. 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9
80.................................................. 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.8
81.................................................. 47.4 46.4 45.5 44.5 43.5 42.6 41.6 40.7 39.8 38.8
82.................................................. 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8
83.................................................. 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8
84.................................................. 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8
85.................................................. 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8
86.................................................. 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.8
87.................................................. 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7
88.................................................. 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7
89.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7
90.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7
91.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 39.7
92.................................................. 47.3 46.4 45.4 44.4 44.4 43.5 42.5 41.6 40.6 38.7
93.................................................. 47.3 46.4 45.4 43.5 42.5 41.6 40.6 39.7 39.7 38.7
94.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7
95.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7
96.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7
97.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7
98.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7
99.................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
100................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
101................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
102................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
103................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
104................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
105................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
106................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
107................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
108................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
109................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
110................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
111................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
112................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
113................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
114................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
114................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
115................................................. 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 45 46 47 48 49 50 51 52 53 54
--------------------------------------------------------------------------------------------------------------------------------------------------------
45.................................................. 44.1 43.6 43.2 42.7 42.3 42.0 41.6 41.3 41.0 40.7
46.................................................. 43.6 43.1 42.6 42.2 41.8 41.4 41.0 40.6 40.3 40.0
47.................................................. 43.2 42.6 42.1 41.7 41.2 40.8 40.4 40.0 39.7 39.3
48.................................................. 42.7 42.2 41.7 41.2 40.7 40.2 39.8 39.4 39.0 38.7
49.................................................. 42.3 41.8 41.2 40.7 40.2 39.7 39.3 38.8 38.4 38.1
50.................................................. 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.3 37.9 37.5
51.................................................. 41.6 41.0 40.4 39.8 39.3 38.7 38.2 37.8 37.3 36.9
52.................................................. 41.3 40.6 40.0 39.4 38.8 38.3 37.8 37.3 36.8 36.4
53.................................................. 41.0 40.3 39.7 39.0 38.4 37.9 37.3 36.8 36.3 35.8
54.................................................. 40.7 40.0 39.3 38.7 38.1 37.5 36.9 36.4 35.8 35.3
55.................................................. 40.4 39.7 39.0 38.4 37.7 37.1 36.5 35.9 35.4 34.9
56.................................................. 40.2 39.5 38.7 38.1 37.4 36.8 36.1 35.6 35.0 34.4
57.................................................. 40.0 39.2 38.5 37.8 37.1 36.4 35.8 35.2 34.6 34.0
58.................................................. 39.7 39.0 38.2 37.5 36.8 36.1 35.5 34.8 34.2 33.6
59.................................................. 39.6 38.8 38.0 37.3 36.6 35.9 35.2 34.5 33.9 33.3
60.................................................. 39.4 38.6 37.8 37.1 36.3 35.6 34.9 34.2 33.6 32.9
61.................................................. 39.2 38.4 37.6 36.9 36.1 35.4 34.6 33.9 33.3 32.6
62.................................................. 39.1 38.3 37.5 36.7 35.9 35.1 34.4 33.7 33.0 32.3
63.................................................. 38.9 38.1 37.3 36.5 35.7 34.9 34.2 33.5 32.7 32.0
64.................................................. 38.8 38.0 37.2 36.3 35.5 34.8 34.0 33.2 32.5 31.8
65.................................................. 38.7 37.9 37.0 36.2 35.4 34.6 33.8 33.0 32.3 31.6
66.................................................. 38.6 37.8 36.9 36.1 35.2 34.4 33.6 32.9 32.1 31.4
67.................................................. 38.5 37.7 36.8 36.0 35.1 34.3 33.5 32.7 31.9 31.2
68.................................................. 38.4 37.6 36.7 35.8 35.0 34.2 33.4 32.5 31.8 31.0
69.................................................. 38.4 37.5 36.6 35.7 34.9 34.1 33.2 32.4 31.6 30.8
70.................................................. 38.3 37.4 36.5 35.7 34.8 34.0 33.1 32.3 31.5 30.7
71.................................................. 38.2 37.3 36.5 35.6 34.7 33.9 33.0 32.2 31.4 30.5
72.................................................. 38.2 37.3 36.4 35.5 34.6 33.8 32.9 32.1 31.2 30.4
73.................................................. 38.1 37.2 36.3 35.4 34.6 33.7 32.8 32.0 31.1 30.3
74.................................................. 38.1 37.2 36.3 35.4 34.5 33.6 32.8 31.9 31.1 30.2
75.................................................. 38.1 37.1 36.2 35.3 34.5 33.6 32.7 31.8 31.0 30.1
76.................................................. 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.8 30.9 30.1
77.................................................. 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.7 30.8 30.0
78.................................................. 38.0 37.0 36.1 35.2 34.3 33.4 32.5 31.7 30.8 29.9
79.................................................. 37.9 37.0 36.1 35.2 34.3 33.4 32.5 31.6 30.7 29.9
80.................................................. 37.9 37.0 36.1 35.2 34.2 33.4 32.5 31.6 30.7 29.8
81.................................................. 37.9 37.0 36.0 35.1 34.2 33.3 32.4 31.5 30.7 29.8
82.................................................. 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7
83.................................................. 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7
84.................................................. 37.8 36.9 36.9 35.0 34.2 33.2 32.3 31.4 30.6 29.7
85.................................................. 37.8 36.9 36.0 35.1 34.1 33.2 32.3 31.4 30.5 29.6
86.................................................. 38.8 36.9 36.0 35.0 34.1 33.2 32.3 31.4 30.5 29.6
87.................................................. 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6
88.................................................. 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6
89.................................................. 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6
90.................................................. 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.3 30.5 29.6
91.................................................. 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5
92.................................................. 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5
93.................................................. 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5
94.................................................. 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5
95.................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
96.................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
97.................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
98.................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
99.................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
101................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
102................................................. 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5
103................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
104................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
105................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
106................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
107................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
108................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
109................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
110................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
111................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
112................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
113................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
114................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
115................................................. 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 55 56 57 58 59 60 61 62 63 64
--------------------------------------------------------------------------------------------------------------------------------------------------------
55.................................................. 34.4 33.9 33.5 33.1 32.7 32.3 32.0 31.7 31.4 31.1
56.................................................. 33.9 33.4 33.0 32.5 32.1 31.7 31.4 31.0 30.7 30.4
57.................................................. 33.5 33.0 32.5 32.0 31.6 31.2 30.8 30.4 30.1 29.8
58.................................................. 33.1 32.5 32.0 31.5 31.1 30.6 30.2 29.9 29.5 29.2
59.................................................. 32.7 32.1 31.6 31.1 30.6 30.1 29.7 29.3 28.9 28.6
60.................................................. 32.3 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.4 28.0
61.................................................. 32.0 31.4 30.8 30.2 29.7 29.2 28.7 28.3 27.8 27.4
62.................................................. 31.7 31.0 30.4 29.9 29.3 28.8 28.3 27.8 27.3 26.9
63.................................................. 31.4 30.7 30.1 29.5 28.9 28.4 27.8 27.3 26.9 26.4
64.................................................. 31.1 30.4 29.8 29.2 28.6 28.0 27.4 26.9 26.4 25.9
65.................................................. 30.9 30.2 29.5 28.9 28.2 27.6 27.1 26.5 26.0 25.5
66.................................................. 30.6 29.9 29.2 28.6 27.9 27.3 26.7 26.1 25.6 25.1
67.................................................. 30.4 29.7 29.0 28.3 27.6 27.0 26.4 25.8 25.2 24.7
68.................................................. 30.2 29.5 28.8 28.1 27.4 26.7 26.1 25.5 24.9 24.3
69.................................................. 30.1 29.3 28.6 27.8 27.1 26.5 25.8 25.2 24.6 24.0
70.................................................. 29.9 29.1 28.4 27.6 26.9 26.2 25.6 24.9 24.3 23.7
71.................................................. 29.7 29.0 28.2 27.5 26.7 26.0 25.3 24.7 24.0 23.4
72.................................................. 29.6 28.8 28.1 27.3 26.5 25.8 25.1 24.4 23.8 23.1
73.................................................. 29.5 28.7 27.9 27.1 26.4 25.6 24.9 24.2 23.5 22.9
74.................................................. 29.4 28.6 27.8 27.0 26.2 25.5 24.7 24.0 23.3 22.7
75.................................................. 29.3 28.5 27.7 26.9 26.1 25.3 24.6 23.8 23.1 22.4
76.................................................. 29.2 28.4 27.6 26.8 26.0 25.2 24.4 23.7 23.0 22.3
77.................................................. 29.1 28.3 27.5 26.7 25.9 25.1 24.3 23.6 22.8 22.1
78.................................................. 29.1 28.2 27.4 26.6 25.8 25.0 24.2 23.4 22.7 21.9
79.................................................. 29.0 28.2 27.3 26.5 25.7 24.9 24.1 23.3 22.6 21.8
80.................................................. 29.0 28.1 27.3 26.4 25.6 24.8 24.0 23.2 22.4 21.7
81.................................................. 28.9 28.1 27.2 26.4 25.5 24.7 23.9 23.1 22.3 21.6
82.................................................. 28.9 28.0 27.2 26.3 25.5 24.6 23.8 23.0 22.3 21.5
83.................................................. 28.8 28.0 27.1 26.3 25.4 24.6 23.8 23.0 22.2 21.4
84.................................................. 28.8 27.9 27.1 26.2 25.4 24.5 23.7 22.9 22.1 21.3
85.................................................. 28.8 27.9 27.0 26.2 25.3 24.5 23.7 22.8 22.0 21.3
86.................................................. 28.7 27.9 27.0 26.1 25.3 24.5 23.6 22.8 22.0 21.2
87.................................................. 28.7 27.8 27.0 26.1 25.3 24.4 23.6 22.8 21.9 21.1
88.................................................. 28.7 27.8 27.0 26.1 25.2 24.4 23.5 22.7 21.9 21.1
89.................................................. 28.7 27.8 26.9 26.1 25.2 24.4 23.5 22.7 21.9 21.1
90.................................................. 28.7 27.8 26.9 26.1 25.2 24.3 23.5 22.7 21.8 21.0
91.................................................. 28.7 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0
92.................................................. 28.6 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0
93.................................................. 28.6 27.8 26.9 26.0 25.1 24.3 23.4 22.6 21.8 20.9
94.................................................. 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9
95.................................................. 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9
96.................................................. 28.6 27.7 26.9 26.0 25.1 24.2 23.4 22.6 21.7 20.9
97.................................................. 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9
98.................................................. 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9
99.................................................. 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9
100................................................. 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.8
101................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.4 22.5 21.7 20.8
102................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8
103................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8
104................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
105................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
106................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
107................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
108................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
109................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
110................................................. 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8
111................................................. 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8
112................................................. 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8
113................................................. 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8
114................................................. 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8
115................................................. 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 65 66 67 68 69 70 71 72 73 74
--------------------------------------------------------------------------------------------------------------------------------------------------------
65.................................................. 25.0 24.6 24.2 23.8 23.4 23.1 22.8 22.5 22.2 22.0
66.................................................. 24.6 24.1 23.7 23.3 22.9 22.5 22.2 21.9 21.6 21.4
67.................................................. 24.2 23.7 23.2 22.8 22.4 22.0 21.7 21.3 21.0 20.8
68.................................................. 23.8 23.3 22.8 22.3 21.9 21.5 21.2 20.8 20.5 20.2
69.................................................. 23.4 22.9 22.4 21.9 21.5 21.1 20.7 20.3 20.0 19.6
70.................................................. 23.1 22.5 22.0 21.5 21.1 20.6 20.2 19.8 19.4 19.1
71.................................................. 22.8 22.2 21.7 21.2 20.7 20.2 19.8 19.4 19.0 18.6
72.................................................. 22.5 21.9 21.3 20.8 20.3 19.8 19.4 18.9 18.5 18.2
73.................................................. 22.2 21.6 21.0 20.5 20.0 19.4 19.0 18.5 18.1 17.7
74.................................................. 22.0 21.4 20.8 20.2 19.6 19.1 18.6 18.2 17.7 17.3
75.................................................. 21.8 21.1 20.5 19.9 19.3 18.8 18.3 17.8 17.3 16.9
76.................................................. 21.6 20.9 20.3 19.7 19.1 18.5 18.0 17.5 17.0 16.5
77.................................................. 21.4 20.7 20.1 19.4 18.8 18.3 17.7 17.2 16.7 16.2
78.................................................. 21.2 20.5 19.9 19.2 18.6 18.0 17.5 16.9 16.4 15.9
79.................................................. 21.1 20.4 19.7 19.0 18.4 17.8 17.2 16.7 16.1 15.6
80.................................................. 21.0 20.2 19.5 18.9 18.2 17.6 17.0 16.4 15.9 15.4
81.................................................. 20.8 20.1 19.4 18.7 18.1 17.4 16.8 16.2 15.7 15.1
82.................................................. 20.7 20.0 19.3 18.6 17.9 17.3 16.6 16.0 15.5 14.9
83.................................................. 20.6 19.9 19.2 18.5 17.8 17.1 16.5 15.9 15.3 14.7
84.................................................. 20.5 19.8 19.1 18.4 17.7 17.0 16.3 15.7 15.1 14.5
85.................................................. 20.5 19.7 19.0 18.3 17.6 16.9 16.2 15.6 15.0 14.4
86.................................................. 20.4 19.6 18.9 18.2 17.5 16.8 16.1 15.5 14.8 14.2
87.................................................. 20.4 19.6 18.8 18.1 17.4 16.7 16.0 15.4 14.7 14.1
88.................................................. 20.3 19.5 18.8 18.0 17.3 16.6 15.9 15.3 14.6 14.0
89.................................................. 20.3 19.5 18.7 18.0 17.2 16.5 15.8 15.2 14.5 13.9
90.................................................. 20.2 19.4 18.7 17.9 17.2 16.5 15.8 15.1 14.5 13.8
91.................................................. 20.2 19.4 18.6 17.9 17.1 16.4 15.7 15.0 14.4 13.7
92.................................................. 20.2 19.4 18.6 17.8 17.1 16.4 15.7 15.0 14.3 13.7
93.................................................. 20.1 19.3 18.6 17.8 17.1 16.3 15.6 14.9 14.3 13.6
94.................................................. 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.6
95.................................................. 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.5
96.................................................. 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.2 13.5
97.................................................. 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.1 13.5
98.................................................. 20.1 19.3 18.5 17.7 16.9 16.2 15.5 14.8 14.1 13.4
99.................................................. 20.0 19.2 18.5 17.7 16.9 16.2 15.5 14.7 14.1 13.4
100................................................. 20.0 19.2 18.4 17.7 16.9 16.2 15.4 14.7 14.0 13.4
101................................................. 20.0 19.2 18.4 17.7 16.9 16.1 15.4 14.7 14.0 13.3
102................................................. 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3
103................................................. 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3
104................................................. 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3
105................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.4 14.6 13.9 13.3
106................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.3
107................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2
108................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2
109................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2
110................................................. 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2
111................................................. 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2
112................................................. 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2
113................................................. 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2
114................................................. 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2
115................................................. 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 75 76 77 78 79 80 81 82 83 84
--------------------------------------------------------------------------------------------------------------------------------------------------------
75.................................................. 16.5 16.1 15.8 15.4 15.1 14.9 14.6 14.4 14.2 14.0
76.................................................. 16.1 15.7 15.4 15.0 14.7 14.4 14.1 13.9 13.7 13.5
77.................................................. 15.8 15.4 15.0 14.6 14.3 14.0 13.7 13.4 13.2 13.0
78.................................................. 15.4 15.0 14.6 14.2 13.9 13.5 13.2 13.0 12.7 12.5
79.................................................. 15.1 14.7 14.3 13.9 13.5 13.2 12.8 12.5 12.3 12.0
80.................................................. 14.9 14.4 14.0 13.5 13.2 12.8 12.5 12.2 11.9 11.6
81.................................................. 14.6 14.1 13.7 13.2 12.8 12.5 12.1 11.8 11.5 11.2
82.................................................. 14.4 13.9 13.4 13.0 12.5 12.2 11.8 11.5 11.1 10.9
83.................................................. 14.2 13.7 13.2 12.7 12.3 11.9 11.5 11.1 10.8 10.5
84.................................................. 14.0 13.5 13.0 12.5 12.0 11.6 11.2 10.9 10.5 10.2
85.................................................. 13.8 13.3 12.8 12.3 11.8 11.4 11.0 10.6 10.2 9.9
86.................................................. 13.7 13.1 12.6 12.1 11.6 11.2 10.8 10.4 10.0 9.7
87.................................................. 13.5 13.0 12.4 11.9 11.4 11.0 10.6 10.1 9.8 9.4
88.................................................. 13.4 12.8 12.3 11.8 11.3 10.8 10.4 10.0 9.6 9.2
89.................................................. 13.3 12.7 12.2 11.6 11.1 10.7 10.2 9.8 9.4 9.0
90.................................................. 13.2 12.6 12.1 11.5 11.0 10.5 10.1 9.6 9.2 8.8
91.................................................. 13.1 12.5 12.0 11.4 10.9 10.4 9.9 9.5 9.1 8.7
92.................................................. 13.1 12.5 11.9 11.3 10.8 10.3 9.8 9.4 8.9 8.5
93.................................................. 13.0 12.4 11.8 11.3 10.7 10.2 9.7 9.3 8.8 8.4
94.................................................. 12.9 12.3 11.7 11.2 10.6 10.1 9.6 9.2 8.7 8.3
95.................................................. 12.9 12.3 11.7 11.1 10.6 10.1 9.6 9.1 8.6 8.2
96.................................................. 12.9 12.2 11.6 11.1 10.5 10.0 9.5 9.0 8.5 8.1
97.................................................. 12.8 12.2 11.6 11.0 10.5 9.9 9.4 8.9 8.5 8.0
98.................................................. 12.8 12.2 11.5 11.0 10.4 9.9 9.4 8.9 8.4 8.0
99.................................................. 12.7 12.1 11.5 10.9 10.4 9.8 9.3 8.8 8.3 7.9
100................................................. 12.7 12.1 11.5 10.9 10.3 9.8 9.2 8.7 8.3 7.8
101................................................. 12.7 12.1 11.4 10.8 10.3 9.7 9.2 8.7 8.2 7.8
102................................................. 12.7 12.0 11.4 10.8 10.2 9.7 9.2 8.7 8.2 7.7
103................................................. 12.6 12.0 11.4 10.8 10.2 9.7 9.1 8.6 8.1 7.7
104................................................. 12.6 12.0 11.4 10.8 10.2 9.6 9.1 8.6 8.1 7.6
105................................................. 12.6 12.0 11.3 10.7 10.2 9.6 9.1 8.5 8.0 7.6
106................................................. 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5
107................................................. 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5
108................................................. 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.5 8.0 7.5
109................................................. 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.5
110................................................. 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.4
111................................................. 12.5 11.9 11.3 10.7 10.1 9.5 8.9 8.4 7.9 7.4
112................................................. 12.5 11.9 11.3 10.6 10.1 9.5 8.9 8.4 7.9 7.4
113................................................. 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4
114................................................. 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4
115................................................. 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 85 86 87 88 89 90 91 92 93 94
--------------------------------------------------------------------------------------------------------------------------------------------------------
85.................................................. 9.6 9.3 9.1 8.9 8.7 8.5 8.3 8.2 8.0 7.9
86.................................................. 9.3 9.1 8.8 8.6 8.3 8.2 8.0 7.8 7.7 7.6
87.................................................. 9.1 8.8 8.5 8.3 8.1 7.9 7.7 7.5 7.4 7.2
88.................................................. 8.9 8.6 8.3 8.0 7.8 7.6 7.4 7.2 7.1 6.9
89.................................................. 8.7 8.3 8.1 7.8 7.5 7.3 7.1 6.9 6.8 6.6
90.................................................. 8.5 8.2 7.9 7.6 7.3 7.1 6.9 6.7 6.5 6.4
91.................................................. 8.3 8.0 7.7 7.4 7.1 6.9 6.7 6.5 6.3 6.2
92.................................................. 8.2 7.8 7.5 7.2 6.9 6.7 6.5 6.3 6.1 5.9
93.................................................. 8.0 7.7 7.4 7.1 6.8 6.5 6.3 6.1 5.9 5.8
94.................................................. 7.9 7.6 7.2 6.9 6.6 6.4 6.2 5.9 5.8 5.6
95.................................................. 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.8 5.6 5.4
96.................................................. 7.7 7.3 7.0 6.7 6.4 6.1 5.9 5.7 5.5 5.3
97.................................................. 7.6 7.3 6.9 6.6 6.3 6.0 5.8 5.5 5.3 5.1
98.................................................. 7.6 7.2 6.8 6.5 6.2 5.9 5.6 5.4 5.2 5.0
99.................................................. 7.5 7.1 6.7 6.4 6.1 5.8 5.5 5.3 5.1 4.9
100................................................. 7.4 7.0 6.6 6.3 6.0 5.7 5.4 5.2 5.0 4.8
101................................................. 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.1 4.9 4.7
102................................................. 7.3 6.9 6.5 6.2 5.8 5.5 5.3 5.0 4.8 4.6
103................................................. 7.2 6.8 6.4 6.1 5.8 5.5 5.2 4.9 4.7 4.5
104................................................. 7.2 6.8 6.4 6.0 5.7 5.4 5.1 4.8 4.6 4.4
105................................................. 7.1 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.3
106................................................. 7.1 6.7 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2
107................................................. 7.1 6.6 6.2 5.9 5.5 5.2 4.9 4.6 4.4 4.2
108................................................. 7.0 6.6 6.2 5.8 5.5 5.2 4.9 4.6 4.3 4.1
109................................................. 7.0 6.6 6.2 5.8 5.5 5.1 4.8 4.5 4.3 4.1
110................................................. 7.0 6.6 6.2 5.8 5.4 5.1 4.8 4.5 4.3 4.0
111................................................. 7.0 6.5 6.1 5.7 5.4 5.1 4.8 4.5 4.2 4.0
112................................................. 7.0 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9
113................................................. 6.9 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9
114................................................. 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9
115................................................. 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 95 96 97 98 99 100 101 102 103 104
--------------------------------------------------------------------------------------------------------------------------------------------------------
95.................................................. 5.3 5.1 5.0 4.8 4.7 4.6 4.5 4.4 4.3 4.2
96.................................................. 5.1 5.0 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0
97.................................................. 5.0 4.8 4.7 4.5 4.4 4.3 4.1 4.0 3.9 3.8
98.................................................. 4.8 4.7 4.5 4.4 4.2 4.1 4.0 3.9 3.8 3.7
99.................................................. 4.7 4.5 4.4 4.2 4.1 4.0 3.8 3.7 3.6 3.5
100................................................. 4.6 4.4 4.3 4.1 4.0 3.8 3.7 3.6 3.5 3.3
101................................................. 4.5 4.3 4.1 4.0 3.8 3.7 3.6 3.4 3.3 3.2
102................................................. 4.4 4.2 4.0 3.9 3.7 3.6 3.4 3.3 3.2 3.1
103................................................. 4.3 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.0 2.9
104................................................. 4.2 4.0 3.8 3.7 3.5 3.3 3.2 3.1 2.9 2.8
105................................................. 4.1 3.9 3.7 3.6 3.4 3.2 3.1 2.9 2.8 2.7
106................................................. 4.0 3.8 3.6 3.5 3.3 3.1 3.0 2.8 2.7 2.5
107................................................. 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.6 2.4
108................................................. 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.7 2.5 2.3
109................................................. 3.8 3.6 3.4 3.3 3.1 2.9 2.7 2.6 2.4 2.3
110................................................. 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.2
111................................................. 3.8 3.5 3.3 3.2 3.0 2.8 2.6 2.4 2.3 2.1
112................................................. 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4 2.2 2.1
113................................................. 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.4 2.2 2.0
114................................................. 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.3 2.1 2.0
115................................................. 3.7 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.1 1.9
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VI_Ordinary Joint Life and Last Survivor Annuities; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 105 106 107 108 109 110 111 112 113 114 115
--------------------------------------------------------------------------------------------------------------------------------------------------------
105.................................................. 2.5 2.4 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.8 1.8
106.................................................. 2.4 2.3 2.2 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.6
107.................................................. 2.3 2.2 2.1 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4
108.................................................. 2.2 2.1 1.9 1.8 1.7 1.6 1.5 1.5 1.4 1.3 1.3
109.................................................. 2.1 2.0 1.8 1.7 1.6 1.5 1.4 1.3 1.3 1.2 1.1
110.................................................. 2.0 1.9 1.7 1.6 1.5 1.4 1.3 1.2 1.1 1.1 1.0
111.................................................. 2.0 1.8 1.7 1.5 1.4 1.3 1.2 1.1 1.0 .9 .9
112.................................................. 1.9 1.7 1.6 1.5 1.3 1.2 1.1 1.0 .9 .8 .8
113.................................................. 1.8 1.7 1.5 1.4 1.3 1.1 1.0 .9 .8 .7 .7
114.................................................. 1.8 1.6 1.5 1.3 1.2 1.1 .9 .8 .7 .6 .6
115.................................................. 1.8 1.6 1.4 1.3 1.1 1.0 .9 .8 .7 .6 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 5 6 7 8 9 10 11 12 13 14
--------------------------------------------------------------------------------------------------------------------------------------------------------
5................................................... 69.5 69.0 68.4 67.9 67.3 66.7 66.1 65.5 64.8 64.1
6................................................... 69.0 68.5 68.0 67.5 66.9 66.4 65.8 65.1 64.5 63.8
7................................................... 68.4 68.0 67.5 67.0 66.5 66.0 65.4 64.8 64.2 63.5
8................................................... 67.9 67.5 67.0 66.6 66.1 65.5 65.0 64.4 63.8 63.2
9................................................... 67.3 66.9 66.5 66.1 65.6 65.1 64.6 64.0 63.4 62.8
10.................................................. 66.7 66.4 66.0 65.5 65.1 64.6 64.1 63.6 63.0 62.5
11.................................................. 66.1 65.8 65.4 65.0 64.6 64.1 63.6 63.1 62.6 62.1
12.................................................. 65.5 65.1 64.8 64.4 64.0 63.6 63.1 62.7 62.2 61.7
13.................................................. 64.8 64.5 64.2 63.8 63.4 63.0 62.6 62.2 61.7 61.2
14.................................................. 64.1 63.8 63.5 63.2 62.8 62.5 62.1 61.7 61.2 60.7
15.................................................. 63.4 63.1 62.9 62.6 62.2 61.9 61.5 61.1 60.7 60.2
16.................................................. 62.7 62.4 62.2 61.9 61.6 61.3 60.9 60.5 60.1 59.7
17.................................................. 61.9 61.7 61.5 61.2 60.9 60.6 60.3 59.9 59.6 59.2
18.................................................. 61.2 61.0 60.7 60.5 60.2 60.0 59.7 59.3 59.0 58.6
19.................................................. 60.4 60.2 60.0 59.8 59.5 59.3 59.0 58.7 58.4 58.0
20.................................................. 59.6 59.4 59.2 59.0 58.8 58.6 58.3 58.0 57.7 57.4
21.................................................. 58.8 58.7 58.5 58.3 58.1 57.8 57.6 57.3 57.1 56.8
22.................................................. 58.0 57.8 57.7 57.5 57.3 57.1 56.9 56.6 56.4 56.1
23.................................................. 57.2 57.0 56.9 56.7 56.5 56.4 56.1 55.9 55.7 55.4
24.................................................. 56.3 56.2 56.1 55.9 55.8 55.6 55.4 55.2 55.0 54.7
25.................................................. 55.5 55.4 55.2 55.1 55.0 54.8 54.6 54.4 54.2 54.0
26.................................................. 54.6 54.5 54.4 54.3 54.1 54.0 53.8 53.7 53.5 53.3
27.................................................. 53.8 53.7 53.6 53.4 53.3 53.2 53.0 52.9 52.7 52.5
28.................................................. 52.9 52.8 52.7 52.6 52.5 52.4 52.2 52.1 51.9 51.7
29.................................................. 52.0 51.9 51.8 51.7 51.6 51.5 51.4 51.3 51.1 51.0
30.................................................. 51.1 51.0 51.0 50.9 50.8 50.7 50.6 50.4 50.3 50.2
31.................................................. 50.2 50.2 50.1 50.0 49.9 49.8 49.7 49.6 49.5 49.3
32.................................................. 49.3 49.3 49.2 49.1 49.0 49.0 48.9 48.8 48.6 48.5
33.................................................. 48.4 48.4 48.3 48.2 48.2 48.1 48.0 47.9 47.8 47.7
34.................................................. 47.5 47.5 47.4 47.4 47.3 47.2 47.1 47.0 47.0 46.8
35.................................................. 46.6 46.6 46.5 46.5 46.4 46.3 46.3 46.2 46.1 46.0
36.................................................. 45.7 45.7 45.6 45.6 45.5 45.4 45.4 45.3 45.2 45.1
37.................................................. 44.8 44.7 44.7 44.6 44.6 44.5 44.5 44.4 44.3 44.3
38.................................................. 43.9 43.8 43.8 43.7 43.7 43.6 43.6 43.5 43.5 43.4
39.................................................. 42.9 42.9 42.9 42.8 42.8 42.7 42.7 42.6 42.6 42.5
40.................................................. 42.0 42.0 42.0 41.9 41.9 41.8 41.8 41.7 41.7 41.6
41.................................................. 41.1 41.1 41.0 41.0 41.0 40.9 40.9 40.8 40.8 40.7
42.................................................. 40.2 40.1 40.1 40.1 40.1 40.0 40.0 39.9 39.9 39.8
43.................................................. 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.0 39.0 39.0
44.................................................. 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.1 38.1 38.1
45.................................................. 37.4 37.4 37.4 37.3 37.3 37.3 37.3 37.2 37.2 37.2
46.................................................. 36.5 36.5 36.5 36.4 36.4 36.4 36.4 36.3 36.3 36.3
47.................................................. 35.6 35.6 35.5 35.5 35.5 35.5 35.5 35.4 35.4 35.4
48.................................................. 34.7 34.7 34.6 34.6 34.6 34.6 34.6 34.5 34.5 34.5
49.................................................. 33.8 33.8 33.7 33.7 33.7 33.7 33.7 33.7 33.6 33.6
50.................................................. 32.9 32.9 32.8 32.8 32.8 32.8 32.8 32.8 32.7 32.7
51.................................................. 32.0 32.0 31.9 31.9 31.9 31.9 31.9 31.9 31.9 31.8
52.................................................. 31.1 31.1 31.1 31.0 31.0 31.0 31.0 31.0 31.0 30.9
53.................................................. 30.2 30.2 30.2 30.2 30.1 30.1 30.1 30.1 30.1 30.1
54.................................................. 29.3 29.3 29.3 29.3 29.3 29.2 29.2 29.2 29.2 29.2
55.................................................. 28.4 28.4 28.4 28.4 28.4 28.4 28.4 28.3 28.3 28.3
56.................................................. 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5
57.................................................. 26.7 26.7 26.7 26.6 26.6 26.6 26.6 26.6 26.6 26.6
58.................................................. 25.8 25.8 25.8 25.8 25.8 25.8 25.8 25.7 25.7 25.7
59.................................................. 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9
60.................................................. 24.1 24.1 24.1 24.1 24.1 24.0 24.0 24.0 24.0 24.0
61.................................................. 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2
62.................................................. 22.4 22.4 22.4 22.4 22.4 22.4 22.3 22.3 22.3 22.3
63.................................................. 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5
64.................................................. 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7
65.................................................. 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9
66.................................................. 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1
67.................................................. 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3
68.................................................. 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5
69.................................................. 16.8 16.8 16.8 16.7 16.7 16.7 16.7 16.7 16.7 16.7
70.................................................. 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0
71.................................................. 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.2
72.................................................. 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5
73.................................................. 13.9 13.9 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8
74.................................................. 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2
75.................................................. 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5
76.................................................. 11.9 11.9 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8
77.................................................. 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2
78.................................................. 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6
79.................................................. 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0
80.................................................. 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.4 9.4
81.................................................. 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9
82.................................................. 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4
83.................................................. 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9
84.................................................. 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4
85.................................................. 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9
86.................................................. 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5
87.................................................. 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1
88.................................................. 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7
89.................................................. 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3
90.................................................. 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0
91.................................................. 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7
92.................................................. 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4
93.................................................. 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1
94.................................................. 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9
95.................................................. 3.7 3.7 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6
96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4
97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2
98.................................................. 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0
99.................................................. 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8
100................................................. 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7
101................................................. 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3
103................................................. 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1
104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9
105................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
106................................................. 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6
107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4
108................................................. 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3
109................................................. 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
110................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
111................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9
112................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8
113................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7
114................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6
115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 15 16 17 18 19 20 21 22 23 24
--------------------------------------------------------------------------------------------------------------------------------------------------------
15.................................................. 59.8 59.3 58.8 58.2 57.6 57.0 56.4 55.8 55.1 54.5
16.................................................. 59.3 58.8 58.3 57.8 57.2 56.7 56.1 55.5 54.8 54.2
17.................................................. 58.8 58.3 57.8 57.3 56.8 56.3 55.7 55.1 54.5 53.9
18.................................................. 58.2 57.8 57.3 56.9 56.4 55.9 55.3 54.7 54.2 53.5
19.................................................. 57.6 57.2 56.8 56.4 55.9 55.4 54.9 54.4 53.8 53.2
20.................................................. 57.0 56.7 56.3 55.9 55.4 54.9 54.5 53.9 53.4 52.8
21.................................................. 56.4 56.1 55.7 55.3 54.9 54.5 54.0 53.5 53.0 52.4
22.................................................. 55.8 55.5 55.1 54.7 54.4 53.9 53.5 53.0 52.5 52.0
23.................................................. 55.1 54.8 54.5 54.2 53.8 53.4 53.0 52.5 52.1 51.6
24.................................................. 54.5 54.2 53.9 53.5 53.2 52.8 52.4 52.0 51.6 51.1
25.................................................. 53.8 53.5 53.2 52.9 52.6 52.2 51.9 51.5 51.1 50.6
26.................................................. 53.0 52.8 52.5 52.3 52.0 51.6 51.3 50.9 50.5 50.1
27.................................................. 52.3 52.1 51.8 51.6 51.3 51.0 50.7 50.3 50.0 49.6
28.................................................. 51.5 51.3 51.1 50.9 50.6 50.3 50.0 49.7 49.4 49.0
29.................................................. 50.8 50.6 50.4 50.2 49.9 49.7 49.4 49.1 48.8 48.4
30.................................................. 50.0 49.8 49.6 49.4 49.2 49.0 48.7 48.4 48.1 47.8
31.................................................. 49.2 49.0 48.9 48.7 48.5 48.3 48.0 47.8 47.5 47.2
32.................................................. 48.4 48.2 48.1 47.9 47.7 47.5 47.3 47.1 46.8 46.5
33.................................................. 47.6 47.4 47.3 47.1 47.0 46.8 46.6 46.3 46.1 45.9
34.................................................. 46.7 46.6 46.5 46.3 46.2 46.0 45.8 45.6 45.4 45.2
35.................................................. 45.9 45.8 45.7 45.5 45.4 45.2 45.1 44.9 44.7 44.4
36.................................................. 45.0 44.9 44.8 44.7 44.6 44.4 44.3 44.1 43.9 43.7
37.................................................. 44.2 44.1 44.0 43.9 43.8 43.6 43.5 43.3 43.2 43.0
38.................................................. 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.5 42.4 42.2
39.................................................. 42.4 42.4 42.3 42.2 42.1 42.0 41.9 41.7 41.6 41.4
40.................................................. 41.6 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8 40.6
41.................................................. 40.7 40.6 40.5 40.5 40.4 40.3 40.2 40.1 40.0 39.8
42.................................................. 39.8 39.7 39.7 39.6 39.5 39.4 39.4 39.3 39.1 39.0
43.................................................. 38.9 38.9 38.8 38.7 38.7 38.6 38.5 38.4 38.3 38.2
44.................................................. 38.0 38.0 37.9 37.9 37.8 37.7 37.7 37.6 37.5 37.4
45.................................................. 37.1 37.1 37.0 37.0 36.9 36.9 36.8 36.7 36.6 36.5
46.................................................. 36.2 36.2 36.2 36.1 36.1 36.0 35.9 35.9 35.8 35.7
47.................................................. 35.3 35.3 35.3 35.2 35.2 35.1 35.1 35.0 34.9 34.9
48.................................................. 34.5 34.4 34.4 34.4 34.3 34.3 34.2 34.2 34.1 34.0
49.................................................. 33.6 33.5 33.5 33.5 33.4 33.4 33.4 33.3 33.2 33.2
50.................................................. 32.7 32.7 32.6 32.6 32.6 32.5 32.5 32.4 32.4 32.3
51.................................................. 31.8 31.8 31.8 31.7 31.7 31.7 31.6 31.6 31.5 31.5
52.................................................. 30.9 30.9 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.6
53.................................................. 30.0 30.0 30.0 30.0 30.0 29.9 29.9 29.9 29.8 29.8
54.................................................. 29.2 29.2 29.1 29.1 29.1 29.1 29.0 29.0 29.0 28.9
55.................................................. 28.3 28.3 28.3 28.3 28.2 28.2 28.2 28.2 28.1 28.1
56.................................................. 27.4 27.4 27.4 27.4 27.4 27.3 27.3 27.3 27.3 27.2
57.................................................. 26.6 26.6 26.5 26.5 26.5 26.5 26.5 26.5 26.4 26.4
58.................................................. 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6
59.................................................. 24.9 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7 24.7
60.................................................. 24.0 24.0 24.0 24.0 24.0 23.9 23.9 23.9 23.9 23.9
61.................................................. 23.2 23.2 23.1 23.1 23.1 23.1 23.1 23.1 23.1 23.0
62.................................................. 22.3 22.3 22.3 22.3 22.3 22.3 22.3 22.2 22.2 22.2
63.................................................. 21.5 21.5 21.5 21.5 21.5 21.4 21.4 21.4 21.4 21.4
64.................................................. 20.7 20.7 20.7 20.6 20.6 20.6 20.6 20.6 20.6 20.6
65.................................................. 19.9 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8
66.................................................. 19.1 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0
67.................................................. 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2 18.2 18.2
68.................................................. 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.4 17.4
69.................................................. 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7
70.................................................. 16.0 16.0 16.0 16.0 16.0 16.0 15.9 15.9 15.9 15.9
71.................................................. 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2
72.................................................. 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5
73.................................................. 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8
74.................................................. 13.2 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1
75.................................................. 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5
76.................................................. 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8
77.................................................. 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2
78.................................................. 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6
79.................................................. 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0
80.................................................. 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4
81.................................................. 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9
82.................................................. 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4
83.................................................. 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.8 7.8
84.................................................. 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4
85.................................................. 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9
86.................................................. 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5
87.................................................. 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1
88.................................................. 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7
89.................................................. 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3
90.................................................. 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0
91.................................................. 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7
92.................................................. 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4
93.................................................. 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1
94.................................................. 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9
95.................................................. 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6
96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4
97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2
98.................................................. 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0
99.................................................. 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8
100................................................. 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7
101................................................. 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3
103................................................. 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1
104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9
105................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
106................................................. 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6
107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4
108................................................. 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3
109................................................. 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
110................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
111................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9
112................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8
113................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7
114................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6
115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 25 26 27 28 29 30 31 32 33 34
--------------------------------------------------------------------------------------------------------------------------------------------------------
25.................................................. 50.2 49.7 49.2 48.6 48.1 47.5 46.9 46.2 45.6 44.9
26.................................................. 49.7 49.2 48.7 48.2 47.7 47.1 46.5 45.9 45.3 44.6
27.................................................. 49.2 48.7 48.3 47.8 47.3 46.7 46.2 45.6 45.0 44.3
28.................................................. 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.2 44.6 44.0
29.................................................. 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.8 44.3 43.7
30.................................................. 47.5 47.1 46.7 46.3 45.9 45.4 44.9 44.4 43.9 43.3
31.................................................. 46.9 46.5 46.2 45.8 45.4 44.9 44.5 44.0 43.5 42.9
32.................................................. 46.2 45.9 45.6 45.2 44.8 44.4 44.0 43.5 43.0 42.5
33.................................................. 45.6 45.3 45.0 44.6 44.3 43.9 43.5 43.0 42.6 42.1
34.................................................. 44.9 44.6 44.3 44.0 43.7 43.3 42.9 42.5 42.1 41.6
35.................................................. 44.2 44.0 43.7 43.4 43.1 42.7 42.4 42.0 41.6 41.1
36.................................................. 43.5 43.3 43.0 42.7 42.4 42.1 41.8 41.4 41.0 40.6
37.................................................. 42.8 42.5 42.3 42.1 41.8 41.5 41.2 40.8 40.5 40.1
38.................................................. 42.0 41.8 41.6 41.4 41.1 40.8 40.6 40.2 39.9 39.5
39.................................................. 41.3 41.1 40.9 40.7 40.4 40.2 39.9 39.6 39.3 39.0
40.................................................. 40.5 40.3 40.1 39.9 39.7 39.5 39.2 39.0 38.7 38.4
41.................................................. 39.7 39.5 39.4 39.2 39.0 38.8 38.5 38.3 38.0 37.7
42.................................................. 38.9 38.8 38.6 38.4 38.3 38.1 37.8 37.6 37.4 37.1
43.................................................. 38.1 38.0 37.8 37.7 37.5 37.3 37.1 36.9 36.7 36.4
44.................................................. 37.3 37.2 37.0 36.9 36.7 36.6 36.4 36.2 36.0 35.8
45.................................................. 36.5 36.3 36.2 36.1 36.0 35.8 35.6 35.5 35.3 35.1
46.................................................. 35.6 35.5 35.4 35.3 35.2 35.0 34.9 34.7 34.5 34.4
47.................................................. 34.8 34.7 34.6 34.5 34.4 34.3 34.1 34.0 33.8 33.6
48.................................................. 34.0 33.9 33.8 33.7 33.6 33.5 33.4 33.2 33.1 32.9
49.................................................. 33.1 33.0 33.0 32.9 32.8 32.7 32.6 32.4 32.3 32.2
50.................................................. 32.3 32.2 32.1 32.1 32.0 31.9 31.8 31.7 31.5 31.4
51.................................................. 31.4 31.4 31.3 31.2 31.2 31.1 31.0 30.9 30.8 30.6
52.................................................. 30.6 30.5 30.5 30.4 30.3 30.3 30.2 30.1 30.0 29.9
53.................................................. 29.7 29.7 29.6 29.6 29.5 29.5 29.4 29.3 29.2 29.1
54.................................................. 28.9 28.9 28.8 28.8 28.7 28.6 28.6 28.5 28.4 28.3
55.................................................. 28.1 28.0 28.0 27.9 27.9 27.8 27.8 27.7 27.6 27.5
56.................................................. 27.2 27.2 27.1 27.1 27.0 27.0 26.9 26.9 26.8 26.7
57.................................................. 26.4 26.3 26.3 26.3 26.2 26.2 26.1 26.1 26.0 25.9
58.................................................. 25.5 25.5 25.5 25.4 25.4 25.4 25.3 25.3 25.2 25.1
59.................................................. 24.7 24.7 24.6 24.6 24.6 24.5 24.5 24.5 24.4 24.3
60.................................................. 23.9 23.8 23.8 23.8 23.8 23.7 23.7 23.6 23.6 23.5
61.................................................. 23.0 23.0 23.0 23.0 22.9 22.9 22.9 22.8 22.8 22.7
62.................................................. 22.2 22.2 22.2 22.1 22.1 22.1 22.1 22.0 22.0 21.9
63.................................................. 21.4 21.4 21.3 21.3 21.3 21.3 21.3 21.2 21.2 21.2
64.................................................. 20.6 20.6 20.5 20.5 20.5 20.5 20.5 20.4 20.4 20.4
65.................................................. 19.8 19.8 19.7 19.7 19.7 19.7 19.7 19.6 19.6 19.6
66.................................................. 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.8 18.8
67.................................................. 18.2 18.2 18.2 18.2 18.2 18.1 18.1 18.1 18.1 18.1
68.................................................. 17.4 17.4 17.4 17.4 17.4 17.4 17.4 17.3 17.3 17.3
69.................................................. 16.7 16.7 16.7 16.6 16.6 16.6 16.6 16.6 16.6 16.6
70.................................................. 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.8 15.8
71.................................................. 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.1 15.1 15.1
72.................................................. 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4 14.4
73.................................................. 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.7 13.7
74.................................................. 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1
75.................................................. 12.5 12.5 12.5 12.4 12.4 12.4 12.4 12.4 12.4 12.4
76.................................................. 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8
77.................................................. 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.1
78.................................................. 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.5
79.................................................. 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0
80.................................................. 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4
81.................................................. 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9
82.................................................. 8.4 8.4 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3
83.................................................. 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8
84.................................................. 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4
85.................................................. 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9
86.................................................. 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5
87.................................................. 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1
88.................................................. 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7
89.................................................. 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3
90.................................................. 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0
91.................................................. 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7
92.................................................. 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4
93.................................................. 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1
94.................................................. 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9
95.................................................. 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6
96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4
97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2
98.................................................. 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0
99.................................................. 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8
100................................................. 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7
101................................................. 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3
103................................................. 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1
104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9
105................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
106................................................. 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6
107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4
108................................................. 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3
109................................................. 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
110................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
111................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9
112................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8
113................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7
114................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6
115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 35 36 37 38 39 40 41 42 43 44
--------------------------------------------------------------------------------------------------------------------------------------------------------
35.................................................. 40.7 40.2 39.7 39.2 38.6 38.0 37.4 36.8 36.2 35.5
36.................................................. 40.2 39.7 39.3 38.7 38.2 37.7 37.1 36.5 35.9 35.2
37.................................................. 39.7 39.3 38.8 38.3 37.8 37.3 36.7 36.2 35.6 34.9
38.................................................. 39.2 38.7 38.3 37.9 37.4 36.9 36.3 35.8 35.2 34.6
39.................................................. 38.6 38.2 37.8 37.4 36.9 36.4 35.9 35.4 34.9 34.3
40.................................................. 38.0 37.7 37.3 36.9 36.4 36.0 35.5 35.0 34.5 34.0
41.................................................. 37.4 37.1 36.7 36.3 35.9 35.5 35.1 34.6 34.1 33.6
42.................................................. 36.8 36.5 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2
43.................................................. 36.2 35.9 35.6 35.2 34.9 34.5 34.1 33.7 33.2 32.8
44.................................................. 35.5 35.2 34.9 34.6 34.3 34.0 33.6 33.2 32.8 32.3
45.................................................. 34.8 34.6 34.3 34.0 33.7 33.4 33.0 32.7 32.3 31.8
46.................................................. 34.1 33.9 33.7 33.4 33.1 32.8 32.5 32.1 31.8 31.4
47.................................................. 33.4 33.2 33.0 32.8 32.5 32.2 31.9 31.6 31.2 30.8
48.................................................. 32.7 32.5 32.3 32.1 31.8 31.6 31.3 31.0 30.7 30.3
49.................................................. 32.0 31.8 31.6 31.4 31.2 30.9 30.7 30.4 30.1 29.8
50.................................................. 31.3 31.1 30.9 30.7 30.5 30.3 30.0 29.8 29.5 29.2
51.................................................. 30.5 30.4 30.2 30.0 29.8 29.6 29.4 29.2 28.9 28.6
52.................................................. 29.7 29.6 29.5 29.3 29.1 28.9 28.7 28.5 28.3 28.0
53.................................................. 29.0 28.9 28.7 28.6 28.4 28.2 28.1 27.9 27.6 27.4
54.................................................. 28.2 28.1 28.0 27.8 27.7 27.5 27.4 27.2 27.0 26.8
55.................................................. 27.4 27.3 27.2 27.1 27.0 26.8 26.7 26.5 26.3 26.1
56.................................................. 26.7 26.6 26.5 26.3 26.2 26.1 26.0 25.8 25.6 25.4
57.................................................. 25.9 25.8 25.7 25.6 25.5 25.4 25.2 25.1 24.9 24.8
58.................................................. 25.1 25.0 24.9 24.8 24.7 24.6 24.5 24.4 24.2 24.1
59.................................................. 24.3 24.2 24.1 24.1 24.0 23.9 23.8 23.6 23.5 23.4
60.................................................. 23.5 23.4 23.4 23.3 23.2 23.1 23.0 22.9 22.8 22.7
61.................................................. 22.7 22.6 22.6 22.5 22.4 22.4 22.3 22.2 22.1 22.0
62.................................................. 21.9 21.9 21.8 21.7 21.7 21.6 21.5 21.4 21.3 21.2
63.................................................. 21.1 21.1 21.0 21.0 20.9 20.8 20.8 20.7 20.6 20.5
64.................................................. 20.3 20.3 20.2 20.2 20.1 20.1 20.0 20.0 19.9 19.8
65.................................................. 19.6 19.5 19.5 19.4 19.4 19.3 19.3 19.2 19.1 19.1
66.................................................. 18.8 18.8 18.7 18.7 18.6 18.6 18.5 18.5 18.4 18.4
67.................................................. 18.0 18.0 18.0 17.9 17.9 17.9 17.8 17.8 17.7 17.6
68.................................................. 17.3 17.3 17.2 17.2 17.2 17.1 17.1 17.0 17.0 16.9
69.................................................. 16.5 16.5 16.5 16.5 16.4 16.4 16.4 16.3 16.3 16.2
70.................................................. 15.8 15.8 15.8 15.7 15.7 15.7 15.6 15.6 15.6 15.5
71.................................................. 15.1 15.1 15.1 15.0 15.0 15.0 15.0 14.9 14.9 14.9
72.................................................. 14.4 14.4 14.4 14.3 14.3 14.3 14.3 14.2 14.2 14.2
73.................................................. 13.7 13.7 13.7 13.7 13.7 13.6 13.6 13.6 13.6 13.5
74.................................................. 13.1 13.0 13.0 13.0 13.0 13.0 13.0 12.9 12.9 12.9
75.................................................. 12.4 12.4 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2
76.................................................. 11.8 11.8 11.7 11.7 11.7 11.7 11.7 11.7 11.6 11.6
77.................................................. 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.0 11.0
78.................................................. 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.4
79.................................................. 10.0 10.0 9.9 9.9 9.9 9.9 9.9 9.9 9.9 9.9
80.................................................. 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.3 9.3 9.3
81.................................................. 8.9 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8
82.................................................. 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3
83.................................................. 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8
84.................................................. 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3
85.................................................. 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9
86.................................................. 6.5 6.5 6.5 6.5 6.4 6.4 6.4 6.4 6.4 6.4
87.................................................. 6.1 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0
88.................................................. 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.6 5.6 5.6
89.................................................. 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3
90.................................................. 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0
91.................................................. 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.6 4.6
92.................................................. 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4
93.................................................. 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1
94.................................................. 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9
95.................................................. 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6
96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4
97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2
98.................................................. 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0
99.................................................. 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8
100................................................. 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.6 2.6
101................................................. 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3
103................................................. 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1
104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9
105................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
106................................................. 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6
107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4
108................................................. 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3
109................................................. 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
110................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
111................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9
112................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8
113................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7
114................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6
115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 45 46 47 48 49 50 51 52 53 54
--------------------------------------------------------------------------------------------------------------------------------------------------------
45.................................................. 31.4 30.9 30.5 30.0 29.4 28.9 28.3 27.7 27.1 26.5
46.................................................. 30.9 30.5 30.0 29.6 29.1 28.5 28.0 27.4 26.9 26.3
47.................................................. 30.5 30.0 29.6 29.2 28.7 28.2 27.7 27.1 26.6 26.0
48.................................................. 30.0 29.6 29.2 28.7 28.3 27.8 27.3 26.8 26.3 25.7
49.................................................. 29.4 29.1 28.7 28.3 27.9 27.4 26.9 26.5 25.9 25.4
50.................................................. 28.9 28.5 28.2 27.4 27.4 27.0 26.5 26.1 25.6 25.1
51.................................................. 28.3 28.0 27.7 27.3 26.9 26.5 26.1 25.7 25.2 24.7
52.................................................. 27.7 27.4 27.1 26.8 26.5 26.1 25.7 25.3 24.8 24.4
53.................................................. 27.1 26.9 26.6 26.3 25.9 25.6 25.2 24.8 24.4 24.0
54.................................................. 26.5 26.3 26.0 25.7 25.4 25.1 24.7 24.4 24.0 23.6
55.................................................. 25.9 25.7 25.4 25.1 24.9 24.6 24.2 23.9 23.5 23.2
56.................................................. 25.2 25.0 24.8 24.6 24.3 24.0 23.7 23.4 23.1 22.7
57.................................................. 24.6 24.4 24.2 24.0 23.7 23.5 23.2 22.9 22.6 22.2
58.................................................. 23.9 23.7 23.5 23.3 23.1 22.9 22.6 22.4 22.1 21.7
59.................................................. 23.2 23.1 22.9 22.7 22.5 22.3 22.1 21.8 21.5 21.2
60.................................................. 22.5 22.4 22.2 22.1 21.9 21.7 21.5 21.2 21.0 20.7
61.................................................. 21.8 21.7 21.6 21.4 21.2 21.1 20.9 20.6 20.4 20.2
62.................................................. 21.1 21.0 20.9 20.7 20.6 20.4 20.2 20.0 19.8 19.6
63.................................................. 20.4 20.3 20.2 20.1 19.9 19.8 19.6 19.4 19.2 19.0
64.................................................. 19.7 19.6 19.5 19.4 19.3 19.1 19.0 18.8 18.6 18.5
65.................................................. 19.0 18.9 18.8 18.7 18.6 18.5 18.3 18.2 18.0 17.9
66.................................................. 18.3 18.2 18.1 18.0 17.9 17.8 17.7 17.6 17.4 17.3
67.................................................. 17.6 17.5 17.4 17.3 17.3 17.2 17.1 16.9 16.8 16.7
68.................................................. 16.9 16.8 16.7 16.7 16.6 16.5 16.4 16.3 16.2 16.1
69.................................................. 16.2 16.1 16.1 16.0 15.9 15.8 15.8 15.7 15.6 15.4
70.................................................. 15.5 15.4 15.4 15.3 15.3 15.2 15.1 15.0 14.9 14.8
71.................................................. 14.8 14.8 14.7 14.7 14.6 14.5 14.5 14.4 14.3 14.2
72.................................................. 14.1 14.1 14.1 14.0 14.0 13.9 13.8 13.8 13.7 13.6
73.................................................. 13.5 13.5 13.4 13.4 13.3 13.3 13.2 13.2 13.1 13.0
74.................................................. 12.8 12.8 12.8 12.7 12.7 12.7 12.6 12.6 12.5 12.4
75.................................................. 12.2 12.2 12.2 12.1 12.1 12.1 12.0 12.0 11.9 11.9
76.................................................. 11.6 11.6 11.6 11.5 11.5 11.5 11.4 11.4 11.3 11.3
77.................................................. 11.0 11.0 11.0 10.9 10.9 10.9 10.8 10.8 10.8 10.7
78.................................................. 10.4 10.4 10.4 10.4 10.3 10.3 10.3 10.2 10.2 10.2
79.................................................. 9.9 9.8 9.8 9.8 9.8 9.8 9.7 9.7 9.7 9.6
80.................................................. 9.3 9.3 9.3 9.3 9.2 9.2 9.2 9.2 9.1 9.1
81.................................................. 8.8 8.8 8.7 8.7 8.7 8.7 8.7 8.7 8.6 8.6
82.................................................. 8.3 8.2 8.2 8.2 8.2 8.2 8.2 8.2 8.1 8.1
83.................................................. 7.8 7.8 7.7 7.7 7.7 7.7 7.7 7.7 7.7 7.6
84.................................................. 7.3 7.3 7.3 7.3 7.3 7.2 7.2 7.2 7.2 7.2
85.................................................. 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.7
86.................................................. 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.3 6.3
87.................................................. 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 5.9
88.................................................. 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6
89.................................................. 5.3 5.3 5.3 5.3 5.3 5.3 5.2 5.2 5.2 5.2
90.................................................. 5.0 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9
91.................................................. 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6
92.................................................. 4.4 4.4 4.4 4.3 4.3 4.3 4.3 4.3 4.3 4.3
93.................................................. 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1
94.................................................. 3.9 3.9 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8
95.................................................. 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6
96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4
97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2
98.................................................. 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0
99.................................................. 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8
100................................................. 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6
101................................................. 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3
103................................................. 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1
104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9
105................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8
106................................................. 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6
107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4
108................................................. 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3
109................................................. 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1
110................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
111................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9
112................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8
113................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7
114................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6
115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5
--------------------------------------------------------------------------------------------------------------------------------------------------------
Table VIa_Annuities for Joint Life Only; Two Lives_Expected Return Multiples
--------------------------------------------------------------------------------------------------------------------------------------------------------
Ages 55 56 57 58 59 60 61 62 63 64
--------------------------------------------------------------------------------------------------------------------------------------------------------
55.................................................. 22.7 22.3 21.9 21.4 20.9 20.4 19.9 19.4 18.8 18.3
56.................................................. 22.3 21.9 21.5 21.1 20.6 20.1 19.6 19.1 18.6 18.0
57.................................................. 21.9 21.5 21.1 20.7 20.3 19.8 19.3 18.8 18.3 17.8
58.................................................. 21.4 21.1 20.7 20.3 19.9 19.5 19.0 18.5 18.0 17.5
59.................................................. 20.9 20.6 20.3 19.9 19.5 19.1 18.7 18.2 17.7 17.3
60.................................................. 20.4 20.1 19.8 19.5 19.1 18.7 18.3 17.9 17.4 17.0
61.................................................. 29.9 19.6 19.3 19.0 18.7 18.3 17.9 17.5 17.1 16.7
62.................................................. 19.4 19.1 18.8 18.5 18.2 17.9 17.5 17.1 16.8 16.3
63.................................................. 18.8 18.6 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.0
64.................................................. 18.3 18.0 17.8 17.5 17.3 17.0 16.7 16.3 16.0 15.6
65.................................................. 17.7 17.5 17.3 17.0 16.8 16.5 16.2 15.9 15.6 15.3
66.................................................. 17.1 16.9 16.7 16.5 16.3 16.0 15.8 15.5 15.2 14.9
67.................................................. 16.5 16.3 16.2 16.0 15.8 15.5 15.3 15.0 14.7 14.5
68.................................................. 15.9 15.8 15.6 15.4 15.2 15.0 14.8 14.6 14.3 14.0
69.................................................. 15.3 15.2 15.0 14.9 14.7 14.5 14.3 14.1 13.9 13.6
70.................................................. 1