[Code of Federal Regulations] [Title 26, Volume 2] [Revised as of April 1, 2004] From the U.S. Government Printing Office via GPO Access [CITE: 26CFR1.72-9] [Page 177-257] TITLE 26--INTERNAL REVENUE CHAPTER I--INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) PART 1_INCOME TAXES--Table of Contents 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 Sec. 1.72- 6(d)(3)). Tables V, VI, VIA, VII, [[Page 178]] and VIII are to be used if the investment in the contract includes a post-June 1986 investment in the contract (as defined in Sec. 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 Sec. 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 Sec. Sec. 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 Sec. 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 Sec. 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 Sec. 1.72-6(d)(6) is made with respect to the contract. Table I--Ordinary Life Annuities--One Life--Expected Return Multiples ------------------------------------------------------------------------ Ages ------------------------------------------------------------- Multiples Male Female ------------------------------------------------------------------------ 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 [[Page 179]] 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 ------------------------------------------------------------------------ [[Page 180]] Table II--Ordinary Joint Life and Last Survivor Annuities--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................ 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 [[Page 181]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 182]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 183]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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................ 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 184]] ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 185]] 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 [[Page 186]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 187]] ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 188]] 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 [[Page 189]] 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 [[Page 190]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 191]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 192]] ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 193]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 ....... ....... ....... [[Page 194]] 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 ....... ....... ....... ....... ....... ....... -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 195]] 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 [[Page 196]] 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 [[Page 197]] 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 [[Page 198]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 199]] ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 200]] 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 [[Page 201]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 202]] ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ 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 [[Page 203]] 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 [[Page 204]] 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 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 205]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 206]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 ....... ....... -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 207]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 ....... ....... ....... ....... ....... ....... -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 208]] 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 [[Page 209]] 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 [[Page 210]] 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 [[Page 211]] 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 [[Page 212]] 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 [[Page 213]] 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 ......... [[Page 214]] 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 ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ [[Page 215]] -------------------------------------------------------------------------------------------------------------------------------------------------------- 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 [[Page 216]] 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 [[Page 217]] 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 [[Page 218]] 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 [[Page 219]] 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 [[Page 220]] 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 [[Page 221]] 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 Sec. 1.72-5. [[Page 222]] 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 [[Page 223]] 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 [[Page 224]] 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 [[Page 225]] 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 226]] 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 [[Page 227]] 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 [[Page 228]] 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 [[Page 229]] 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 [[Page 230]] 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 [[Page 231]] 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 [[Page 232]] 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 233]] 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 [[Page 234]] 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 [[Page 235]] 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 [[Page 236]] 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 [[Page 237]] 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 [[Page 238]] 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 [[Page 239]] 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- [[Page 240]] 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.................................................. 14.7 14.6 14.5 14.3 14.2 14.0 13.8 13.6 13.4 13.2 71.................................................. 14.1 14.0 13.9 13.8 13.6 13.5 13.3 13.1 12.9 12.7 72.................................................. 13.5 13.4 13.3 13.2 13.1 12.9 12.8 12.6 12.4 12.3 73.................................................. 13.0 12.9 12.8 12.7 12.5 12.4 12.3 12.1 12.0 11.8 74.................................................. 12.4 12.3 12.2 12.1 12.0 11.9 11.8 11.6 11.5 11.3 75.................................................. 11.8 11.7 11.7 11.6 11.5 11.4 11.3 11.1 11.0 10.9 76.................................................. 11.2 11.2 11.1 11.0 10.9 10.9 10.8 10.6 10.5 10.4 77.................................................. 10.7 10.6 10.6 10.5 10.4 10.3 10.3 10.2 10.0 9.9 78.................................................. 10.1 10.1 10.0 10.0 9.9 9.8 9.8 9.7 9.6 9.5 79.................................................. 9.6 9.6 9.5 9.5 9.4 9.3 9.3 9.2 9.1 9.0 80.................................................. 9.1 9.0 9.0 9.0 8.9 8.9 8.8 8.7 8.7 8.6 81.................................................. 8.6 8.5 8.5 8.5 8.4 8.4 8.3 8.3 8.2 8.1 82.................................................. 8.1 8.1 8.0 8.0 8.0 7.9 7.9 7.8 7.8 7.7 83.................................................. 7.6 7.6 7.6 7.5 7.5 7.5 7.4 7.4 7.3 7.3 84.................................................. 7.2 7.1 7.1 7.1 7.1 7.0 7.0 7.0 6.9 6.9 85.................................................. 6.7 6.7 6.7 6.7 6.6 6.6 6.6 6.5 6.5 6.5 86.................................................. 6.3 6.3 6.3 6.3 6.2 6.2 6.2 6.2 6.1 6.1 87.................................................. 5.9 5.9 5.9 5.9 5.9 5.8 5.8 5.8 5.8 5.7 88.................................................. 5.6 5.5 5.5 5.5 5.5 5.5 5.5 5.4 5.4 5.4 89.................................................. 5.2 5.2 5.2 5.2 5.2 5.1 5.1 5.1 5.1 5.1 90.................................................. 4.9 4.9 4.9 4.9 4.9 4.8 4.8 4.8 4.8 4.8 91.................................................. 4.6 4.6 4.6 4.6 4.6 4.5 4.5 4.5 4.5 4.5 92.................................................. 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.2 4.2 4.2 93.................................................. 4.1 4.1 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 94.................................................. 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.7 95.................................................. 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.5 3.5 96.................................................. 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.3 3.3 3.3 97.................................................. 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.1 3.1 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 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 102................................................. 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.2 103................................................. 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 1.7 1.7 1.7 1.7 106................................................. 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 65 66 67 68 69 70 71 72 73 74 -------------------------------------------------------------------------------------------------------------------------------------------------------- 65.................................................. 14.9 14.5 14.1 13.7 13.3 12.9 12.5 12.0 11.6 11.2 66.................................................. 14.5 14.2 13.8 13.4 13.1 12.6 12.2 11.8 11.4 11.0 67.................................................. 14.1 13.8 13.5 13.1 12.8 12.4 12.0 11.6 11.2 10.8 68.................................................. 13.7 13.4 13.1 12.8 12.5 12.1 11.7 11.4 11.0 10.6 69.................................................. 13.3 13.1 12.8 12.5 12.1 11.8 11.4 11.1 10.7 10.4 [[Page 241]] 70.................................................. 12.9 12.6 12.4 12.1 11.8 11.5 11.2 10.8 10.5 10.1 71.................................................. 12.5 12.2 12.0 11.7 11.4 11.2 10.9 10.5 10.2 9.9 72.................................................. 12.0 11.8 11.6 11.4 11.1 10.8 10.5 10.2 9.9 9.6 73.................................................. 11.6 11.4 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4 74.................................................. 11.2 11.0 10.8 10.6 10.4 10.1 9.9 9.6 9.4 9.1 75.................................................. 10.7 10.5 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8 76.................................................. 10.3 10.1 9.9 9.8 9.6 9.4 9.2 9.0 8.8 8.5 77.................................................. 9.8 9.7 9.5 9.4 9.2 9.0 8.8 8.6 8.4 8.2 78.................................................. 9.4 9.2 9.1 9.0 8.8 8.7 8.5 8.3 8.1 7.9 79.................................................. 8.9 8.8 8.7 8.6 8.4 8.3 8.1 8.0 7.8 7.6 80.................................................. 8.5 8.4 8.3 8.2 8.0 7.9 7.8 7.6 7.5 7.3 81.................................................. 8.0 8.0 7.9 7.9 7.7 7.5 7.4 7.3 7.1 7.0 82.................................................. 7.6 7.5 7.5 7.4 7.3 7.2 7.1 6.9 6.8 6.7 83.................................................. 7.2 7.1 7.1 7.0 6.9 6.8 6.7 6.6 6.5 6.4 84.................................................. 6.8 6.7 6.7 6.6 6.5 6.4 6.4 6.3 6.2 6.0 85.................................................. 6.4 6.4 6.3 6.2 6.2 6.1 6.0 5.9 5.8 5.7 86.................................................. 6.0 6.0 5.9 5.9 5.8 5.8 5.7 5.6 5.5 5.4 87.................................................. 5.7 5.6 5.6 5.6 5.5 5.4 5.4 5.3 5.2 5.2 88.................................................. 5.3 5.3 5.3 5.2 5.2 5.1 5.1 5.0 5.0 4.9 89.................................................. 5.0 5.0 5.0 4.9 4.9 4.8 4.8 4.7 4.7 4.6 90.................................................. 4.7 4.7 4.7 4.6 4.6 4.6 4.5 4.5 4.4 4.4 91.................................................. 4.5 4.4 4.4 4.4 4.3 4.3 4.3 4.2 4.2 4.1 92.................................................. 4.2 4.2 4.1 4.1 4.1 4.1 4.0 4.0 3.9 3.9 93.................................................. 3.9 3.9 3.9 3.9 3.9 3.8 3.8 3.8 3.7 3.7 94.................................................. 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6 3.5 3.5 95.................................................. 3.5 3.5 3.5 3.5 3.4 3.4 3.4 3.4 3.3 3.3 96.................................................. 3.3 3.3 3.3 3.3 3.3 3.2 3.2 3.2 3.2 3.1 97.................................................. 3.1 3.1 3.1 3.1 3.1 3.1 3.0 3.0 3.0 3.0 98.................................................. 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.8 2.8 99.................................................. 2.8 2.8 2.8 2.7 2.7 2.7 2.7 2.7 2.7 2.6 100................................................. 2.6 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.5 2.5 101................................................. 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.3 2.3 102................................................. 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 103................................................. 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 2.0 104................................................. 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 .19 1.9 105................................................. 1.7 1.7 1.7 1.7 .17 1.7 1.7 1.7 1.7 1.7 106................................................. 1.6 1.6 .16 1.6 1.6 1.6 1.6 1.6 1.5 1.5 107................................................. 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 .6 .6 .6 .6 .6 114................................................. .6 .6 .6 .6 .6 .6 .5 .5 .5 .5 115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIa--Annuities for Joint Life Only; Two Lives--Expected Return Multiples -------------------------------------------------------------------------------------------------------------------------------------------------------- Ages 75 76 77 78 79 80 81 82 83 84 -------------------------------------------------------------------------------------------------------------------------------------------------------- 75.................................................. 8.6 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9 76.................................................. 8.3 8.0 7.8 7.5 7.2 6.9 6.7 6.4 6.1 5.8 77.................................................. 8.0 7.8 7.5 7.3 7.0 6.8 6.5 6.2 5.9 5.7 78.................................................. 7.7 7.5 7.3 7.0 6.8 6.6 6.3 6.0 5.8 5.5 79.................................................. 7.4 7.2 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4 80.................................................. 7.1 6.9 6.8 6.6 6.3 6.1 5.9 5.7 5.5 5.2 81.................................................. 6.8 6.7 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1 82.................................................. 6.5 6.4 6.2 6.0 5.9 5.7 5.5 5.3 5.1 4.9 83.................................................. 6.2 6.1 5.9 5.8 5.6 5.5 5.3 5.1 4.9 4.7 84.................................................. 5.9 5.8 5.7 5.5 5.4 5.2 5.1 4.9 4.7 4.6 85.................................................. 5.6 5.5 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.4 86.................................................. 5.4 5.3 5.1 5.0 4.9 4.8 4.7 4.5 4.4 4.2 87.................................................. 5.1 5.0 4.9 4.8 4.7 4.6 4.4 4.3 4.2 4.1 88.................................................. 4.8 4.7 4.6 4.5 4.4 4.3 4.2 4.1 4.0 3.9 89.................................................. 4.5 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7 90.................................................. 4.3 4.2 4.2 4.1 4.0 3.9 3.8 3.8 3.7 3.5 91.................................................. 4.1 4.0 4.0 3.9 3.8 3.7 3.7 3.6 3.5 3.4 92.................................................. 3.9 3.8 3.7 3.7 3.6 3.6 3.5 3.4 3.3 3.2 93.................................................. 3.7 3.6 3.6 3.5 3.4 3.4 3.3 3.2 3.2 3.1 [[Page 242]] 94.................................................. 3.5 3.4 3.4 3.3 3.3 3.2 3.2 3.1 3.0 3.0 95.................................................. 3.3 3.2 3.2 3.2 3.1 3.1 3.0 3.0 2.9 2.8 96.................................................. 3.1 3.1 3.0 3.0 3.0 2.9 2.9 2.8 2.8 2.7 97.................................................. 2.9 2.9 2.9 2.9 2.8 2.8 2.7 2.7 2.6 2.6 98.................................................. 2.8 2.8 2.7 2.7 2.7 2.6 2.6 2.6 2.5 2.5 99.................................................. 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.4 2.4 2.3 100................................................. 2.5 2.5 2.4 2.4 2.4 2.4 2.3 2.3 2.3 2.2 101................................................. 2.3 2.3 2.3 2.3 2.2 2.2 2.2 2.2 2.1 2.1 102................................................. 2.2 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 103................................................. 2.0 2.0 2.0 2.0 1.9 1.9 1.9 1.9 1.9 1.8 104................................................. 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.7 1.7 1.7 105................................................. 1.7 1.7 1.7 1.7 1.6 1.6 1.6 1.6 1.6 1.6 106................................................. 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.4 107................................................. 1.4 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 108................................................. 1.3 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 109................................................. 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 .8 .8 112................................................. .8 .8 .8 .7 .7 .7 .7 .7 .7 .7 113................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIa--Annuities for Joint Life Only; Two Lives--Expected Return Multiples -------------------------------------------------------------------------------------------------------------------------------------------------------- Ages 85 86 87 88 89 90 91 92 93 94 -------------------------------------------------------------------------------------------------------------------------------------------------------- 85.................................................. 4.2 4.1 3.9 3.8 3.6 3.4 3.3 3.2 3.0 2.9 86.................................................. 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.1 2.9 2.8 87.................................................. 3.9 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.8 2.7 88.................................................. 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.6 89.................................................. 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.7 2.6 90.................................................. 3.4 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 91.................................................. 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4 92.................................................. 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4 2.3 93.................................................. 3.0 2.9 2.8 2.8 2.7 2.6 2.5 2.4 2.3 2.3 94.................................................. 2.9 2.8 2.7 2.6 2.6 2.5 2.4 2.3 2.3 2.2 95.................................................. 2.8 2.7 2.6 2.5 2.5 2.4 2.3 2.2 2.2 2.1 96.................................................. 2.6 2.6 2.5 2.4 2.4 2.3 2.2 2.2 2.1 2.0 97.................................................. 2.5 2.5 2.4 2.3 2.3 2.2 2.2 2.1 2.0 2.0 98.................................................. 2.4 2.4 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9 99.................................................. 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.8 100................................................. 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8 101................................................. 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8 1.7 1.7 102................................................. 1.9 1.9 1.9 1.8 1.8 1.8 1.7 1.7 1.6 1.6 103................................................. 1.8 1.8 1.8 1.7 1.7 1.7 1.6 1.6 1.5 1.5 104................................................. 1.7 1.7 1.6 1.6 1.6 1.5 1.5 1.5 1.5 1.4 105................................................. 1.6 1.5 1.5 1.5 1.5 1.4 1.4 1.4 1.4 1.3 106................................................. 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 1.2 107................................................. 1.3 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.2 1.2 108................................................. 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1 109................................................. 1.1 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 110................................................. .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 111................................................. .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 112................................................. .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 113................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIa--Annuities for Joint Life Only; Two Lives--Expected Return Multiples -------------------------------------------------------------------------------------------------------------------------------------------------------- Ages 95 96 97 98 99 100 101 102 103 104 -------------------------------------------------------------------------------------------------------------------------------------------------------- 95.................................................. 2.0 2.0 1.9 1.8 1.8 1.7 1.6 1.6 1.5 1.4 96.................................................. 2.0 1.9 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4 97.................................................. 1.9 1.9 1.8 1.7 1.7 1.6 1.6 1.5 1.4 1.3 98.................................................. 1.8 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.3 99.................................................. 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3 100................................................. 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3 [[Page 243]] 101................................................. 1.6 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3 1.2 102................................................. 1.6 1.5 1.5 1.5 1.4 1.4 1.3 1.3 1.2 1.2 103................................................. 1.5 1.5 1.4 1.4 1.4 1.3 1.3 1.2 1.2 1.1 104................................................. 1.4 1.4 1.3 1.3 1.3 1.3 1.2 1.2 1.1 1.1 105................................................. 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.1 1.1 1.0 106................................................. 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.0 1.0 107................................................. 1.1 1.1 1.1 1.1 1.1 1.0 1.0 1.0 1.0 9 108................................................. 1.0 1.0 1.0 1.0 1.0 1.0 1.0 .9 .9 .9 109................................................. 1.0 .9 .9 .9 .9 .9 .9 .9 .8 .8 110................................................. .9 .9 .8 .8 .8 .8 .8 .8 .8 .8 111................................................. .8 .8 .8 .8 .8 .7 .7 .7 .7 .7 112................................................. .7 .7 .7 .7 .7 .7 .7 .7 .6 .6 113................................................. .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIaa--Annuities for Joint Life Only; Two Lives--Expected Return Multiples -------------------------------------------------------------------------------------------------------------------------------------------------------- Ages 105 106 107 108 109 110 111 112 113 114 115 -------------------------------------------------------------------------------------------------------------------------------------------------------- 105....................................... 1.0 1.0 .9 .9 .8 .7 .7 .6 .6 .5 .5 106....................................... 1.0 .9 .9 .8 .8 .7 .7 .6 .6 .5 .5 107....................................... .9 .9 .8 .8 .7 .7 .7 .6 .6 .5 .5 108....................................... .9 .8 .8 .8 .7 .7 .6 .6 .5 .5 .5 109....................................... .8 .8 .7 .7 .7 .7 .6 .6 .5 .5 .5 110....................................... .7 .7 .7 .7 .7 .6 .6 .6 .5 .5 .5 111....................................... .7 .7 .7 .6 .6 .6 .6 .5 .5 .5 .5 112....................................... .6 .6 .6 .6 .6 .6 .5 .5 .5 .5 .5 113....................................... .6 .6 .6 .5 .5 .5 .5 .5 .5 .5 .5 114....................................... .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115....................................... .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VII--Percent Value of Refund Feature; Duration of Guaranteed Amount -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 1 2 3 4 5 6 7 8 9 10 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 0 0 0 0 0 0 0 0 0 0 6................................................... 0 0 0 0 0 0 0 0 0 0 7................................................... 0 0 0 0 0 0 0 0 0 0 8................................................... 0 0 0 0 0 0 0 0 0 0 9................................................... 0 0 0 0 0 0 0 0 0 0 10.................................................. 0 0 0 0 0 0 0 0 0 0 11.................................................. 0 0 0 0 0 0 0 0 0 0 12.................................................. 0 0 0 0 0 0 0 0 0 0 13.................................................. 0 0 0 0 0 0 0 0 0 0 14.................................................. 0 0 0 0 0 0 0 0 0 0 15.................................................. 0 0 0 0 0 0 0 0 0 0 16.................................................. 0 0 0 0 0 0 0 0 0 0 17.................................................. 0 0 0 0 0 0 0 0 0 0 18.................................................. 0 0 0 0 0 0 0 0 0 0 19.................................................. 0 0 0 0 0 0 0 0 0 0 20.................................................. 0 0 0 0 0 0 0 0 0 0 21.................................................. 0 0 0 0 0 0 0 0 0 0 22.................................................. 0 0 0 0 0 0 0 0 0 0 23.................................................. 0 0 0 0 0 0 0 0 0 0 24.................................................. 0 0 0 0 0 0 0 0 0 0 25.................................................. 0 0 0 0 0 0 0 0 0 0 26.................................................. 0 0 0 0 0 0 0 0 0 0 27.................................................. 0 0 0 0 0 0 0 0 0 0 28.................................................. 0 0 0 0 0 0 0 0 0 0 29.................................................. 0 0 0 0 0 0 0 0 0 0 30.................................................. 0 0 0 0 0 0 0 0 0 0 31.................................................. 0 0 0 0 0 0 0 0 0 0 32.................................................. 0 0 0 0 0 0 0 0 0 0 33.................................................. 0 0 0 0 0 0 0 0 0 0 34.................................................. 0 0 0 0 0 0 0 0 0 0 35.................................................. 0 0 0 0 0 0 0 0 0 0 [[Page 244]] 36.................................................. 0 0 0 0 0 0 0 0 0 0 37.................................................. 0 0 0 0 0 0 0 0 0 1 38.................................................. 0 0 0 0 0 0 0 0 0 1 39.................................................. 0 0 0 0 0 0 0 0 1 1 40.................................................. 0 0 0 0 0 0 0 1 1 1 41.................................................. 0 0 0 0 0 0 0 1 1 1 42.................................................. 0 0 0 0 0 0 1 1 1 1 43.................................................. 0 0 0 0 0 0 1 1 1 1 44.................................................. 0 0 0 0 0 1 1 1 1 1 45.................................................. 0 0 0 0 0 1 1 1 1 1 46.................................................. 0 0 0 0 1 1 1 1 1 1 47.................................................. 0 0 0 0 1 1 1 1 1 1 48.................................................. 0 0 0 0 1 1 1 1 1 1 49.................................................. 0 0 0 1 1 1 1 1 1 2 50.................................................. 0 0 0 1 1 1 1 1 1 2 51.................................................. 0 0 0 1 1 1 1 1 2 2 52.................................................. 0 0 0 1 1 1 1 1 2 2 53.................................................. 0 0 1 1 1 1 1 2 2 2 54.................................................. 0 0 1 1 1 1 1 2 2 2 55.................................................. 0 0 1 1 1 1 2 2 2 2 56.................................................. 0 0 1 1 1 1 2 2 2 3 57.................................................. 0 0 1 1 1 2 2 2 3 3 58.................................................. 0 1 1 1 1 2 2 2 3 3 59.................................................. 0 1 1 1 1 2 2 3 3 4 60.................................................. 0 1 1 1 2 2 2 3 3 4 61.................................................. 0 1 1 1 2 2 3 3 4 4 62.................................................. 0 1 1 2 2 2 3 4 4 5 63.................................................. 0 1 1 2 2 3 3 4 5 5 64.................................................. 0 1 1 2 2 3 4 4 5 6 65.................................................. 0 1 2 2 3 3 4 5 6 6 66.................................................. 1 1 2 2 3 4 5 5 6 7 67.................................................. 1 1 2 3 3 4 5 6 7 8 68.................................................. 1 1 2 3 4 5 6 7 8 9 69.................................................. 1 1 2 3 4 5 6 7 8 10 70.................................................. 1 2 3 4 5 6 7 8 9 11 71.................................................. 1 2 3 4 5 6 8 9 10 12 72.................................................. 1 2 3 4 6 7 8 10 11 13 73.................................................. 1 2 4 5 6 8 9 11 13 14 74.................................................. 1 3 4 5 7 9 10 12 14 16 75.................................................. 1 3 4 6 8 9 11 13 15 17 76.................................................. 2 3 5 7 9 10 12 15 17 19 77.................................................. 2 4 5 7 9 12 14 16 18 21 78.................................................. 2 4 6 8 10 13 15 18 20 23 79.................................................. 2 4 7 9 11 14 17 19 22 25 80.................................................. 2 5 7 10 13 15 18 21 24 27 81.................................................. 3 5 8 11 14 17 20 23 26 29 82.................................................. 3 6 9 12 15 19 22 25 28 32 83.................................................. 3 7 10 13 17 20 24 27 31 34 84.................................................. 4 7 11 15 19 22 26 30 33 37 85.................................................. 4 8 12 16 20 24 28 32 36 40 86.................................................. 4 9 13 18 22 27 31 35 39 42 87.................................................. 5 10 15 20 24 29 33 37 41 45 88.................................................. 5 11 16 21 26 31 36 40 44 48 89.................................................. 6 12 18 23 28 33 38 43 47 50 90.................................................. 7 13 19 25 31 36 41 45 49 53 91.................................................. 7 14 21 27 33 38 43 48 52 55 92.................................................. 8 15 22 29 35 40 45 50 54 58 93.................................................. 9 17 24 31 37 43 48 52 56 60 94.................................................. 9 18 26 33 39 45 50 54 58 62 95.................................................. 10 19 27 35 41 47 52 57 60 64 96.................................................. 11 20 29 36 43 49 54 59 62 66 97.................................................. 11 21 30 38 45 51 56 61 64 68 98.................................................. 12 23 32 40 47 53 58 63 66 69 99.................................................. 13 24 34 42 49 55 60 65 68 71 100................................................. 14 26 36 44 52 58 63 67 70 73 101................................................. 14 27 38 47 54 60 65 69 72 75 102................................................. 15 29 40 49 56 62 67 71 74 77 103................................................. 17 31 42 52 59 65 69 73 76 78 104................................................. 18 33 45 55 62 67 72 75 78 80 [[Page 245]] 105................................................. 19 36 48 58 65 70 74 77 80 82 106................................................. 21 38 51 61 68 73 77 79 82 84 107................................................. 23 42 55 64 71 75 79 81 84 85 108................................................. 25 45 58 67 73 78 81 83 85 87 109................................................. 28 49 62 71 76 80 83 85 87 88 110................................................. 31 52 66 74 79 82 85 87 88 89 111................................................. 34 57 70 77 82 85 87 88 90 91 112................................................. 37 61 73 80 84 87 88 90 91 92 113................................................. 41 66 77 83 86 88 90 91 92 93 114................................................. 45 70 80 85 88 90 92 93 93 94 115................................................. 50 75 83 88 90 92 93 94 94 95 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VII--Percent Value of Refund Feature; Duration of Guaranteed Amount -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 11 12 13 14 15 16 17 18 19 20 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 0 0 0 0 0 0 0 0 0 0 6................................................... 0 0 0 0 0 0 0 0 0 0 7................................................... 0 0 0 0 0 0 0 0 0 0 8................................................... 0 0 0 0 0 0 0 0 0 0 9................................................... 0 0 0 0 0 0 0 0 0 0 10.................................................. 0 0 0 0 0 0 0 0 0 0 11.................................................. 0 0 0 0 0 0 0 0 0 0 12.................................................. 0 0 0 0 0 0 0 0 0 0 13.................................................. 0 0 0 0 0 0 0 0 0 0 14.................................................. 0 0 0 0 0 0 0 0 0 0 15.................................................. 0 0 0 0 0 0 0 0 0 0 16.................................................. 0 0 0 0 0 0 0 0 0 0 17.................................................. 0 0 0 0 0 0 0 0 0 0 18.................................................. 0 0 0 0 0 0 0 0 0 0 19.................................................. 0 0 0 0 0 0 0 0 0 0 20.................................................. 0 0 0 0 0 0 0 0 0 1 21.................................................. 0 0 0 0 0 0 0 0 0 1 22.................................................. 0 0 0 0 0 0 0 0 1 1 23.................................................. 0 0 0 0 0 0 0 1 1 1 24.................................................. 0 0 0 0 0 0 0 1 1 1 25.................................................. 0 0 0 0 0 0 1 1 1 1 26.................................................. 0 0 0 0 0 0 1 1 1 1 27.................................................. 0 0 0 0 0 1 1 1 1 1 28.................................................. 0 0 0 0 1 1 1 1 1 1 29.................................................. 0 0 0 0 1 1 1 1 1 1 30.................................................. 0 0 0 1 1 1 1 1 1 1 31.................................................. 0 0 0 1 1 1 1 1 1 1 32.................................................. 0 0 1 1 1 1 1 1 1 1 33.................................................. 0 0 1 1 1 1 1 1 1 1 34.................................................. 0 1 1 1 1 1 1 1 1 1 35.................................................. 0 1 1 1 1 1 1 1 1 1 36.................................................. 1 1 1 1 1 1 1 1 1 1 37.................................................. 1 1 1 1 1 1 1 1 1 1 38.................................................. 1 1 1 1 1 1 1 1 1 2 39.................................................. 1 1 1 1 1 1 1 1 2 2 40.................................................. 1 1 1 1 1 1 1 2 2 2 41.................................................. 1 1 1 1 1 1 2 2 2 2 42.................................................. 1 1 1 1 1 2 2 2 2 2 43.................................................. 1 1 1 1 2 2 2 2 2 3 44.................................................. 1 1 1 2 2 2 2 2 3 3 45.................................................. 1 1 2 2 2 2 2 3 3 3 46.................................................. 1 2 2 2 2 2 3 3 3 3 47.................................................. 1 2 2 2 2 2 3 3 3 4 48.................................................. 2 2 2 2 2 3 3 3 4 4 49.................................................. 2 2 2 2 3 3 3 4 4 4 50.................................................. 2 2 2 3 3 3 3 4 4 5 51.................................................. 2 2 3 3 3 3 4 4 4 5 52.................................................. 2 2 3 3 3 4 4 5 5 5 53.................................................. 2 3 3 3 4 4 5 5 5 6 54.................................................. 3 3 3 4 4 4 5 5 6 7 55.................................................. 3 3 4 4 4 5 5 6 7 7 [[Page 246]] 56.................................................. 3 3 4 4 5 5 6 7 7 8 57.................................................. 3 4 4 5 5 6 6 7 8 9 58.................................................. 4 4 5 5 6 6 7 8 9 9 59.................................................. 4 5 5 6 6 7 8 9 9 10 60.................................................. 4 5 6 6 7 8 9 10 10 11 61.................................................. 5 6 6 7 8 9 10 10 11 13 62.................................................. 5 6 7 8 9 10 11 12 13 14 63.................................................. 6 7 8 9 10 11 12 13 14 15 64.................................................. 7 8 8 9 10 12 13 14 15 17 65.................................................. 7 8 9 10 12 13 14 15 17 18 66.................................................. 8 9 10 12 13 14 15 17 18 20 67.................................................. 9 10 11 13 14 15 17 18 20 22 68.................................................. 10 11 13 14 15 17 19 20 22 24 69.................................................. 11 12 14 15 17 19 20 22 24 26 70.................................................. 12 14 15 17 19 20 22 24 26 28 71.................................................. 13 15 17 18 20 22 24 26 28 30 72.................................................. 15 17 18 20 22 24 26 28 30 32 73.................................................. 16 18 20 22 24 26 28 31 33 35 74.................................................. 18 20 22 24 26 28 31 33 35 37 75.................................................. 19 22 24 26 28 31 33 35 38 40 76.................................................. 21 24 26 28 31 33 36 38 40 43 77.................................................. 23 26 28 31 33 36 38 41 43 45 78.................................................. 25 28 31 33 36 38 41 43 46 48 79.................................................. 28 30 33 36 38 41 44 46 48 51 80.................................................. 30 33 36 38 41 44 46 49 51 53 81.................................................. 32 35 38 41 44 47 49 51 54 56 82.................................................. 35 38 41 44 47 49 52 54 56 58 83.................................................. 38 41 44 47 49 52 54 57 59 61 84.................................................. 40 44 47 49 52 55 57 59 61 63 85.................................................. 43 46 49 52 55 57 59 62 63 65 86.................................................. 46 49 52 55 57 60 62 64 66 67 87.................................................. 48 52 55 57 60 62 64 66 68 69 88.................................................. 51 54 57 60 62 64 66 68 70 71 89.................................................. 54 57 60 62 65 67 68 70 72 73 90.................................................. 56 59 62 64 67 69 70 72 74 75 91.................................................. 59 62 64 67 69 71 72 74 75 76 92.................................................. 61 64 66 69 71 72 74 75 77 78 93.................................................. 63 66 68 70 72 74 75 77 78 79 94.................................................. 65 68 70 72 74 75 77 78 79 80 95.................................................. 67 69 72 74 75 77 78 79 81 82 96.................................................. 69 71 73 75 77 78 80 81 82 83 97.................................................. 70 73 75 77 78 80 81 82 83 84 98.................................................. 72 74 76 78 79 81 82 83 84 85 99.................................................. 74 76 78 79 81 82 83 84 85 86 100................................................. 75 78 79 81 82 83 84 85 86 86 101................................................. 77 79 81 82 83 84 85 86 87 87 102................................................. 79 81 82 83 84 85 86 87 88 88 103................................................. 80 82 83 85 86 87 87 88 89 89 104................................................. 82 84 85 86 87 88 88 89 90 90 105................................................. 84 85 86 87 88 89 89 90 90 91 106................................................. 85 86 87 88 89 90 90 91 91 92 107................................................. 87 88 89 89 90 91 91 92 92 93 108................................................. 88 89 90 90 91 92 92 93 93 93 109................................................. 89 90 91 92 92 93 93 93 94 94 110................................................. 90 91 92 92 93 93 94 94 94 95 111................................................. 92 92 93 93 94 94 95 95 95 95 112................................................. 93 93 94 94 95 95 95 96 96 96 113................................................. 94 94 95 95 95 96 96 96 96 97 114................................................. 95 95 95 96 96 96 97 97 97 97 115................................................. 95 96 96 96 97 97 97 97 97 98 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VII--Percent Value of Refund Feature; Duration of Guaranteed Amount -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 21 22 23 24 25 26 27 28 29 30 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 0 0 0 0 0 0 0 0 0 0 6................................................... 0 0 0 0 0 0 0 0 0 0 [[Page 247]] 7................................................... 0 0 0 0 0 0 0 0 0 0 8................................................... 0 0 0 0 0 0 0 0 0 1 9................................................... 0 0 0 0 0 0 0 0 1 1 10.................................................. 0 0 0 0 0 0 0 1 1 1 11.................................................. 0 0 0 0 0 0 1 1 1 1 12.................................................. 0 0 0 0 0 0 1 1 1 1 13.................................................. 0 0 0 0 0 1 1 1 1 1 14.................................................. 0 0 0 0 1 1 1 1 1 1 15.................................................. 0 0 0 1 1 1 1 1 1 1 16.................................................. 0 0 1 1 1 1 1 1 1 1 17.................................................. 0 0 1 1 1 1 1 1 1 1 18.................................................. 0 1 1 1 1 1 1 1 1 1 19.................................................. 1 1 1 1 1 1 1 1 1 1 20.................................................. 1 1 1 1 1 1 1 1 1 1 21.................................................. 1 1 1 1 1 1 1 1 1 1 22.................................................. 1 1 1 1 1 1 1 1 1 1 23.................................................. 1 1 1 1 1 1 1 1 1 1 24.................................................. 1 1 1 1 1 1 1 1 1 1 25.................................................. 1 1 1 1 1 1 1 1 1 1 26.................................................. 1 1 1 1 1 1 1 1 1 1 27.................................................. 1 1 1 1 1 1 1 1 1 2 28.................................................. 1 1 1 1 1 1 1 1 2 2 29.................................................. 1 1 1 1 1 1 1 2 2 2 30.................................................. 1 1 1 1 1 1 2 2 2 2 31.................................................. 1 1 1 1 1 2 2 2 2 2 32.................................................. 1 1 1 1 2 2 2 2 2 2 33.................................................. 1 1 1 2 2 2 2 2 2 2 34.................................................. 1 1 2 2 2 2 2 2 2 3 35.................................................. 1 2 2 2 2 2 2 2 3 3 36.................................................. 2 2 2 2 2 2 2 3 3 3 37.................................................. 2 2 2 2 2 2 3 3 3 3 38.................................................. 2 2 2 2 2 3 3 3 3 4 39.................................................. 2 2 2 2 3 3 3 3 4 4 40.................................................. 2 2 3 3 3 3 3 4 4 4 41.................................................. 2 3 3 3 3 3 4 4 4 5 42.................................................. 3 3 3 3 3 4 4 4 5 5 43.................................................. 3 3 3 4 4 4 4 5 5 6 44.................................................. 3 3 4 4 4 4 5 5 6 6 45.................................................. 3 4 4 4 5 5 5 6 6 7 46.................................................. 4 4 4 5 5 5 6 6 7 7 47.................................................. 4 4 5 5 5 6 6 7 7 8 48.................................................. 4 5 5 5 6 6 7 7 8 9 49.................................................. 5 5 5 6 6 7 8 8 9 10 50.................................................. 5 5 6 6 7 8 8 9 10 10 51.................................................. 5 6 6 7 8 8 9 10 11 11 52.................................................. 6 7 7 8 8 9 10 11 11 12 53.................................................. 7 7 8 8 9 10 11 12 13 14 54.................................................. 7 8 8 9 10 11 12 13 14 15 55.................................................. 8 9 9 10 11 12 13 14 15 16 56.................................................. 9 9 10 11 12 13 14 15 16 18 57.................................................. 9 10 11 12 13 14 15 17 18 19 58.................................................. 10 11 12 13 14 16 17 18 19 21 59.................................................. 11 12 13 15 16 17 18 20 21 22 60.................................................. 12 14 15 16 17 19 20 21 23 24 61.................................................. 14 15 16 17 19 20 22 23 25 26 62.................................................. 15 16 18 19 20 22 23 25 27 28 63.................................................. 16 18 19 21 22 24 25 27 29 30 64.................................................. 18 19 21 23 24 26 28 29 31 33 65.................................................. 20 21 23 25 26 28 30 31 33 35 66.................................................. 21 23 25 27 28 30 32 34 35 37 67.................................................. 23 25 27 29 31 32 34 36 38 40 68.................................................. 25 27 29 31 33 35 37 38 40 42 69.................................................. 28 29 31 33 35 37 39 41 43 44 70.................................................. 30 32 34 36 38 40 42 43 45 47 71.................................................. 32 34 36 38 40 42 44 46 47 49 72.................................................. 35 37 39 41 43 45 46 48 50 51 73.................................................. 37 39 41 43 45 47 49 51 52 54 74.................................................. 40 42 44 46 48 50 51 53 54 56 75.................................................. 42 44 46 48 50 52 54 55 57 58 [[Page 248]] 76.................................................. 45 47 49 51 53 54 56 58 59 60 77.................................................. 47 50 51 53 55 57 58 60 61 62 78.................................................. 50 52 54 56 57 59 61 62 63 64 79.................................................. 53 55 56 58 60 61 63 64 65 66 80.................................................. 55 57 59 60 62 63 65 66 67 68 81.................................................. 58 59 61 63 64 66 67 68 69 70 82.................................................. 60 62 63 65 66 68 69 70 71 72 83.................................................. 62 64 66 67 68 70 71 72 73 74 84.................................................. 65 66 68 69 70 71 72 73 74 75 85.................................................. 67 68 70 71 72 73 74 75 76 77 86.................................................. 69 70 72 73 74 75 76 77 77 78 87.................................................. 71 72 73 75 76 76 77 78 79 80 88.................................................. 73 74 75 76 77 78 79 80 80 81 89.................................................. 74 76 77 78 79 79 80 81 81 82 90.................................................. 76 77 78 79 80 81 81 82 83 83 91.................................................. 78 79 79 80 81 82 83 83 84 84 92.................................................. 79 80 81 82 82 83 84 84 85 85 93.................................................. 80 81 82 83 83 84 85 85 86 86 94.................................................. 81 82 83 84 84 85 85 86 86 87 95.................................................. 82 83 84 85 85 86 86 87 87 88 96.................................................. 83 84 85 86 86 87 87 88 88 88 97.................................................. 84 85 86 86 87 87 88 88 89 89 98.................................................. 85 86 87 87 88 88 89 89 89 90 99.................................................. 86 87 87 88 88 89 89 90 90 90 100................................................. 87 88 88 89 89 90 90 90 91 91 101................................................. 88 89 89 90 90 90 91 91 91 92 102................................................. 89 89 90 90 91 91 91 92 92 92 103................................................. 90 90 91 91 91 92 92 92 93 93 104................................................. 91 91 91 92 92 92 93 93 93 93 105................................................. 91 92 92 92 93 93 93 94 94 94 106................................................. 92 93 93 93 93 94 94 94 94 95 107................................................. 93 93 94 94 94 94 95 95 95 95 108................................................. 94 94 94 94 95 95 95 95 95 96 109................................................. 94 95 95 95 95 95 96 96 96 96 110................................................. 95 95 95 96 96 96 96 96 96 96 111................................................. 96 96 96 96 96 96 97 97 97 97 112................................................. 96 96 96 97 97 97 97 97 97 97 113................................................. 97 97 97 97 97 97 97 98 98 98 114................................................. 97 97 97 98 98 98 98 98 98 98 115................................................. 98 98 98 98 98 98 98 98 98 98 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VII--Percent Value of Refund Feature; Duration of Guaranteed Amount -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 31 32 33 34 35 36 37 38 39 40 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 0 1 1 1 1 1 1 1 1 1 6................................................... 0 1 1 1 1 1 1 1 1 1 7................................................... 1 1 1 1 1 1 1 1 1 1 8................................................... 1 1 1 1 1 1 1 1 1 1 9................................................... 1 1 1 1 1 1 1 1 1 1 10.................................................. 1 1 1 1 1 1 1 1 1 1 11.................................................. 1 1 1 1 1 1 1 1 1 1 12.................................................. 1 1 1 1 1 1 1 1 1 1 13.................................................. 1 1 1 1 1 1 1 1 1 1 14.................................................. 1 1 1 1 1 1 1 1 1 1 15.................................................. 1 1 1 1 1 1 1 1 1 1 16.................................................. 1 1 1 1 1 1 1 1 1 1 17.................................................. 1 1 1 1 1 1 1 1 1 1 18.................................................. 1 1 1 1 1 1 1 1 1 2 19.................................................. 1 1 1 1 1 1 1 1 2 2 20.................................................. 1 1 1 1 1 1 1 2 2 2 21.................................................. 1 1 1 1 1 1 2 2 2 2 22.................................................. 1 1 1 1 1 2 2 2 2 2 23.................................................. 1 1 1 2 2 2 2 2 2 2 24.................................................. 1 1 2 2 2 2 2 2 2 2 25.................................................. 1 2 2 2 2 2 2 2 2 3 26.................................................. 2 2 2 2 2 2 2 2 3 3 [[Page 249]] 27.................................................. 2 2 2 2 2 2 2 3 3 3 28.................................................. 2 2 2 2 2 2 3 3 3 3 29.................................................. 2 2 2 2 2 3 3 3 3 4 30.................................................. 2 2 2 3 3 3 3 3 4 4 31.................................................. 2 2 3 3 3 3 3 4 4 4 32.................................................. 2 3 3 3 3 3 4 4 4 5 33.................................................. 3 3 3 3 3 4 4 4 5 5 34.................................................. 3 3 3 3 4 4 4 5 5 5 35.................................................. 3 3 3 4 4 4 5 5 5 6 36.................................................. 3 4 4 4 4 5 5 5 6 6 37.................................................. 4 4 4 4 5 5 6 6 6 7 38.................................................. 4 4 5 5 5 6 6 7 7 8 39.................................................. 4 5 5 5 6 6 7 7 8 8 40.................................................. 5 5 5 6 6 7 7 8 8 9 41.................................................. 5 5 6 6 7 7 8 9 9 10 42.................................................. 6 6 6 7 7 8 9 9 10 11 43.................................................. 6 7 7 8 8 9 9 10 11 12 44.................................................. 7 7 8 8 9 10 10 11 12 13 45.................................................. 7 8 8 9 10 10 11 12 13 14 46.................................................. 8 9 9 10 11 11 12 13 14 15 47.................................................. 9 9 10 11 12 12 13 14 15 16 48.................................................. 9 10 11 12 13 14 15 16 17 18 49.................................................. 10 11 12 13 14 15 16 17 18 19 50.................................................. 11 12 13 14 15 16 17 18 20 21 51.................................................. 12 13 14 15 16 17 19 20 21 22 52.................................................. 13 14 15 17 18 19 20 21 23 24 53.................................................. 15 16 17 18 19 20 22 23 24 26 54.................................................. 16 17 18 19 21 22 23 25 26 28 55.................................................. 17 18 20 21 22 24 25 27 28 30 56.................................................. 19 20 21 23 24 26 27 29 30 32 57.................................................. 20 22 23 25 26 28 29 31 32 34 58.................................................. 22 24 25 27 28 30 31 33 34 36 59.................................................. 24 25 27 28 30 32 33 35 36 38 60.................................................. 26 27 29 31 32 34 35 37 38 40 61.................................................. 28 29 31 33 34 36 37 39 40 42 62.................................................. 30 32 33 35 36 38 40 41 42 44 63.................................................. 32 34 35 37 39 40 42 43 45 46 64.................................................. 34 36 38 39 41 42 44 45 47 48 65.................................................. 37 38 40 42 43 45 46 47 49 50 66.................................................. 39 41 42 44 45 47 48 50 51 52 67.................................................. 41 43 45 46 48 49 50 52 53 54 68.................................................. 44 45 47 48 50 51 52 54 55 56 69.................................................. 46 48 49 51 52 53 54 56 57 58 70.................................................. 48 50 51 53 54 55 57 58 59 60 71.................................................. 51 52 54 55 56 57 59 60 61 62 72.................................................. 53 54 56 57 58 59 60 62 62 63 73.................................................. 55 57 58 59 60 61 62 63 64 65 74.................................................. 57 59 60 61 62 63 64 65 66 67 75.................................................. 59 61 62 63 64 65 66 67 68 69 76.................................................. 62 63 64 65 66 67 68 69 69 70 77.................................................. 64 65 66 67 68 69 70 70 71 72 78.................................................. 66 67 68 69 70 70 71 72 73 73 79.................................................. 67 68 69 70 71 72 73 73 74 75 80.................................................. 69 70 71 72 73 74 74 75 76 76 81.................................................. 71 72 73 74 74 75 76 76 77 78 82.................................................. 73 74 74 75 76 77 77 78 78 79 83.................................................. 74 75 76 77 77 78 79 79 80 80 84.................................................. 76 77 77 78 79 79 80 80 81 81 85.................................................. 78 78 79 79 80 81 81 82 82 83 86.................................................. 79 80 80 81 81 82 82 83 83 84 87.................................................. 80 81 81 82 83 83 83 84 84 85 88.................................................. 82 82 83 83 84 84 85 85 85 86 89.................................................. 83 83 84 84 85 85 85 86 86 87 90.................................................. 84 84 85 85 86 86 86 87 87 87 91.................................................. 85 85 86 86 87 87 87 88 88 88 92.................................................. 86 86 87 87 87 88 88 88 89 89 93.................................................. 87 87 87 88 88 88 89 89 89 90 94.................................................. 87 88 88 88 89 89 89 90 90 90 95.................................................. 88 88 89 89 89 90 90 90 91 91 [[Page 250]] 96.................................................. 89 89 89 90 90 90 91 91 91 91 97.................................................. 89 90 90 90 91 91 91 91 92 92 98.................................................. 90 90 91 91 91 91 92 92 92 92 99.................................................. 91 91 91 92 92 92 92 92 93 93 100................................................. 91 92 92 92 92 92 93 93 93 93 101................................................. 92 92 92 93 93 93 93 93 94 94 102................................................. 92 93 93 93 93 94 94 94 94 94 103................................................. 93 93 93 94 94 94 94 94 94 95 104................................................. 94 94 94 94 94 95 95 95 95 95 105................................................. 94 94 95 95 95 95 95 95 95 95 106................................................. 95 95 95 95 95 95 96 96 96 96 107................................................. 95 95 96 96 96 96 96 96 96 96 108................................................. 96 96 96 96 96 96 96 96 97 97 109................................................. 96 96 96 97 97 97 97 97 97 97 110................................................. 97 97 97 97 97 97 97 97 97 97 111................................................. 97 97 97 97 97 97 98 98 98 98 112................................................. 97 97 98 98 98 98 98 98 98 98 113................................................. 98 98 98 98 98 98 98 98 98 98 114................................................. 98 98 98 98 98 98 98 98 98 99 115................................................. 98 98 98 99 99 99 99 99 99 99 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIII--Temporary Life Annuities; \1\ One Life--Expected Return Multiples [See footnote at end of tables] Temporary Period--Maximum Duration of Annuity -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 1 2 3 4 5 6 7 8 9 10 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 6................................................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 7................................................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 8................................................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 9................................................... 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 10.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 12.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 13.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 14.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 15.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 16.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 17.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 18.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 19.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 20.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 21.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 22.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 23.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 24.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 25.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 26.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 27.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 28.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 29.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 30.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 31.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 32.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 33.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 34.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 35.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 36.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 37.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 38.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 39.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 40.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 41.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 42.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 43.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 [[Page 251]] 44.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 45.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 46.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 47.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 48.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 49.................................................. 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.8 50.................................................. 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 51.................................................. 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 52.................................................. 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 53.................................................. 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 54.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8 55.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 56.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 57.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 58.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.7 9.7 59.................................................. 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.6 60.................................................. 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6 61.................................................. 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6 62.................................................. 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 63.................................................. 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 64.................................................. 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4 65.................................................. 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.3 66.................................................. 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3 67.................................................. 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2 68.................................................. 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1 69.................................................. 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.2 9.0 70.................................................. 1.0 2.0 2.9 3.9 4.8 5.6 6.5 7.3 8.1 8.9 71.................................................. 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8 72.................................................. 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.7 73.................................................. 1.0 2.0 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6 74.................................................. 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.0 7.7 8.4 75.................................................. 1.0 1.9 2.9 3.8 4.6 5.4 6.2 6.9 7.6 8.3 76.................................................. 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.1 77.................................................. 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9 78.................................................. 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.7 79.................................................. 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5 80.................................................. 1.0 1.9 2.8 3.6 4.4 5.1 5.7 6.3 6.8 7.3 81.................................................. 1.0 1.9 2.8 3.6 4.3 5.0 5.6 6.1 6.6 7.0 82.................................................. 1.0 1.9 2.7 3.5 4.2 4.9 5.4 6.0 6.4 6.8 83.................................................. 1.0 1.9 2.7 3.5 4.1 4.8 5.3 5.8 6.2 6.5 84.................................................. 1.0 1.8 2.7 3.4 4.1 4.6 5.2 5.6 6.0 6.3 85.................................................. 1.0 1.8 2.6 3.3 4.0 4.5 5.0 5.4 5.7 6.0 86.................................................. 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.5 5.7 87.................................................. .9 1.8 2.5 3.2 3.8 4.3 4.7 5.0 5.3 5.5 88.................................................. .9 1.8 2.5 3.1 3.7 4.1 4.5 4.8 5.0 5.2 89.................................................. .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 4.9 90.................................................. .9 1.7 2.4 3.0 3.4 3.8 4.1 4.4 4.5 4.7 91.................................................. .9 1.7 2.4 2.9 3.3 3.7 4.0 4.2 4.3 4.4 92.................................................. .9 1.7 2.3 2.8 3.2 3.5 3.8 4.0 4.1 4.2 93.................................................. .9 1.7 2.3 2.7 3.1 3.4 3.6 3.8 3.9 4.0 94.................................................. .9 1.6 2.2 2.7 3.0 3.3 3.5 3.6 3.7 3.8 95.................................................. .9 1.6 2.2 2.6 2.9 3.1 3.3 3.4 3.5 3.6 96.................................................. .9 1.6 2.1 2.5 2.8 3.0 3.2 3.3 3.3 3.4 97.................................................. .9 1.6 2.1 2.4 2.7 2.9 3.0 3.1 3.2 3.2 98.................................................. .9 1.5 2.0 2.4 2.6 2.8 2.9 3.0 3.0 3.0 99.................................................. .9 1.5 2.0 2.3 2.5 2.6 2.7 2.8 2.8 2.8 100................................................. .9 1.5 1.9 2.2 2.4 2.5 2.6 2.6 2.6 2.7 101................................................. .8 1.4 1.8 2.1 2.3 2.4 2.4 2.5 2.5 2.5 102................................................. .8 1.4 1.8 2.0 2.1 2.2 2.3 2.3 2.3 2.3 103................................................. .8 1.4 1.7 1.9 2.0 2.1 2.1 2.1 2.1 2.1 104................................................. .8 1.3 1.6 1.8 1.9 1.9 1.9 1.9 1.9 1.9 105................................................. .8 1.3 1.5 1.7 1.7 1.8 1.8 1.8 1.8 1.8 106................................................. .8 1.2 1.4 1.5 1.6 1.6 1.6 1.6 1.6 1.6 107................................................. .7 1.1 1.3 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108................................................. .7 1.1 1.2 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109................................................. .7 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110................................................. .7 .9 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111................................................. .6 .8 .9 .9 .9 .9 .9 .9 .9 .9 [[Page 252]] 112................................................. .6 .7 .8 .8 .8 .8 .8 .8 .8 .8 113................................................. .6 .6 .7 .7 .7 .7 .7 .7 .7 .7 114................................................. .5 .6 .6 .6 .6 .6 .6 .6 .6 .6 115................................................. .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 -------------------------------------------------------------------------------------------------------------------------------------------------------- Table VIII--Temporary Life Annuities;\1\ One Life--Expected Return Multiples [See footnote at end of tables] Temporary Period--Maximum Duration of Annuity -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 11 12 13 14 15 16 17 18 19 20 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 6................................................... 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 7................................................... 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 8................................................... 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 9................................................... 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 10.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 11.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 12.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 13.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 14.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 15.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 16.................................................. 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 17.................................................. 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 18.................................................. 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 19.................................................. 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 20.................................................. 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 21.................................................. 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 22.................................................. 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 23.................................................. 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 24.................................................. 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 25.................................................. 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 26.................................................. 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9 27.................................................. 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9 28.................................................. 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8 29.................................................. 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8 30.................................................. 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8 31.................................................. 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8 32.................................................. 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8 33.................................................. 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8 34.................................................. 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.8 35.................................................. 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.7 36.................................................. 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 37.................................................. 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7 38.................................................. 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7 39.................................................. 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.6 40.................................................. 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6 41.................................................. 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6 42.................................................. 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 43.................................................. 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 44.................................................. 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4 45.................................................. 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.5 18.5 19.4 46.................................................. 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.3 47.................................................. 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3 48.................................................. 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2 49.................................................. 10.8 11.8 12.7 13.7 14.6 15.5 16.4 17.4 18.3 19.2 50.................................................. 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1 51.................................................. 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0 52.................................................. 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.0 18.9 53.................................................. 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.8 54.................................................. 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.0 17.9 18.7 55.................................................. 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6 56.................................................. 10.7 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.6 18.4 57.................................................. 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.5 18.3 58.................................................. 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.6 17.4 18.1 [[Page 253]] 59.................................................. 10.6 11.4 12.3 13.2 14.0 14.9 15.7 16.4 17.2 17.9 60.................................................. 10.5 11.4 12.3 13.1 13.9 14.7 15.5 16.3 17.0 17.7 61.................................................. 10.5 11.3 12.2 13.0 13.8 14.6 15.4 16.1 16.8 17.5 62.................................................. 10.4 11.3 12.1 12.9 13.7 14.5 15.2 15.9 16.6 17.2 63.................................................. 10.3 11.2 12.0 12.8 13.6 14.3 15.0 15.7 16.3 17.0 64.................................................. 10.3 11.1 11.9 12.7 13.4 14.1 14.8 15.5 16.1 16.7 65.................................................. 10.2 11.0 11.8 12.5 13.2 13.9 14.6 15.2 15.8 16.3 66.................................................. 10.1 10.9 11.6 12.4 13.1 13.7 14.4 14.9 15.5 16.0 67.................................................. 10.0 10.8 11.5 12.2 12.9 13.5 14.1 14.7 15.2 15.6 68.................................................. 9.9 10.6 11.4 12.0 12.7 13.3 13.8 14.3 14.8 15.3 69.................................................. 9.8 10.5 11.2 11.8 12.4 13.0 13.5 14.0 14.4 14.8 70.................................................. 9.6 10.3 11.0 11.6 12.2 12.7 13.2 13.7 14.0 14.4 71.................................................. 9.5 10.2 10.8 11.4 11.9 12.4 12.9 13.3 13.6 13.9 72.................................................. 9.4 10.0 10.6 11.2 11.7 12.1 12.5 12.9 13.2 13.5 73.................................................. 9.2 9.8 10.4 10.9 11.4 11.8 12.1 12.5 12.7 13.0 74.................................................. 9.0 9.6 10.1 10.6 11.0 11.4 11.7 12.0 12.3 12.5 75.................................................. 8.8 9.4 9.9 10.3 10.7 11.0 11.3 11.6 11.8 12.0 76.................................................. 8.6 9.1 9.6 10.0 10.3 10.6 10.9 11.1 11.3 11.4 77.................................................. 8.4 8.9 9.3 9.7 10.0 10.2 10.5 10.6 10.8 10.9 78.................................................. 8.2 8.6 9.0 9.3 9.6 9.8 10.0 10.2 10.3 10.4 79.................................................. 7.9 8.3 8.7 9.0 9.2 9.4 9.5 9.7 9.8 9.8 80.................................................. 7.7 8.0 8.3 8.6 8.8 9.0 9.1 9.2 9.3 9.3 81.................................................. 7.4 7.7 8.0 8.2 8.4 8.5 8.6 8.7 8.8 8.8 82.................................................. 7.1 7.4 7.6 7.8 8.0 8.1 8.2 8.2 8.3 8.3 83.................................................. 6.8 7.1 7.3 7.4 7.5 7.6 7.7 7.8 7.8 7.8 84.................................................. 6.5 6.7 6.9 7.0 7.1 7.2 7.3 7.3 7.3 7.4 85.................................................. 6.2 6.4 6.6 6.7 6.7 6.8 6.8 6.9 6.9 6.9 86.................................................. 5.9 6.1 6.2 6.3 6.4 6.4 6.4 6.5 6.5 6.5 87.................................................. 5.6 5.8 5.9 5.9 6.0 6.0 6.0 6.1 6.1 6.1 88.................................................. 5.3 5.4 5.5 5.6 5.6 5.6 5.7 5.7 5.7 5.7 89.................................................. 5.1 5.1 5.2 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90.................................................. 4.8 4.9 4.9 4.9 5.0 5.0 5.0 5.0 5.0 5.0 91.................................................. 4.5 4.6 4.6 4.6 4.7 4.7 4.7 4.7 4.7 4.7 92.................................................. 4.3 4.3 4.3 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93.................................................. 4.0 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94.................................................. 3.8 3.8 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 3.7 3.7 3.7 3.7 3.7 3.7 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 VIII--Temporary Life Annuities; \1\ One Life--Expected Return Multiples [See footnote at end of tables] Temporary Period--Maximum Duration of Annuity -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 21 22 23 24 25 26 27 28 29 30 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 [[Page 254]] 6................................................... 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 7................................................... 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 8................................................... 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8 9................................................... 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8 10.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8 11.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8 12.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8 13.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8 14.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8 15.................................................. 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8 16.................................................. 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8 17.................................................. 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8 18.................................................. 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7 19.................................................. 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7 20.................................................. 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7 21.................................................. 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7 22.................................................. 20.9 21.9 22.8 23.8 24.8 25.8 26.8 27.7 28.7 29.7 23.................................................. 20.9 21.9 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.7 24.................................................. 20.9 21.8 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.6 25.................................................. 20.9 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6 26.................................................. 20.8 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6 27.................................................. 20.8 21.8 22.8 23.8 24.7 25.7 26.7 27.6 28.6 29.5 28.................................................. 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.6 29.5 29.................................................. 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.5 29.5 30.................................................. 20.8 21.8 22.7 23.7 24.7 25.6 26.6 27.5 28.5 29.4 31.................................................. 20.8 21.8 22.7 23.7 24.6 25.6 26.6 27.5 28.4 29.4 32.................................................. 20.8 21.7 22.7 23.7 24.6 25.6 26.5 27.5 28.4 29.3 33.................................................. 20.8 21.7 22.7 23.6 24.6 25.5 26.5 27.4 28.4 29.3 34.................................................. 20.7 21.7 22.7 23.6 24.6 25.5 26.4 27.4 28.3 29.2 35.................................................. 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.3 28.2 29.2 36.................................................. 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1 37.................................................. 20.7 21.6 22.6 23.5 24.4 25.4 26.3 27.2 28.1 29.0 38.................................................. 20.6 21.6 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9 39.................................................. 20.6 21.5 22.5 23.4 24.3 25.2 26.1 27.0 27.9 28.8 40.................................................. 20.6 21.5 22.4 23.3 24.3 25.2 26.1 27.0 27.8 28.7 41.................................................. 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.7 28.6 42.................................................. 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.6 28.5 43.................................................. 20.4 21.3 22.2 23.2 24.0 24.9 25.8 26.6 27.5 28.3 44.................................................. 20.4 21.3 22.2 23.1 24.0 24.8 25.7 26.5 27.3 28.2 45.................................................. 20.3 21.2 22.1 23.0 23.9 24.7 25.6 26.4 27.2 28.0 46.................................................. 20.2 21.1 22.0 22.9 23.8 24.6 25.4 26.2 27.0 27.8 47.................................................. 20.2 21.1 21.9 22.8 23.6 24.5 25.3 26.1 26.8 27.6 48.................................................. 20.1 21.0 21.8 22.7 23.5 24.3 25.1 25.9 26.6 27.4 49.................................................. 20.0 20.9 21.7 22.6 23.4 24.2 25.0 25.7 26.4 27.1 50.................................................. 19.9 20.8 21.6 22.4 23.2 24.0 24.8 25.5 26.2 26.9 51.................................................. 19.8 20.7 21.5 22.3 23.1 23.8 24.6 25.3 25.9 26.6 52.................................................. 19.7 20.6 21.4 22.1 22.9 23.6 24.3 25.0 25.7 26.3 53.................................................. 19.6 20.4 21.2 22.0 22.7 23.4 24.1 24.7 25.3 25.9 54.................................................. 19.5 20.3 21.0 21.8 22.5 23.2 23.8 24.4 25.0 25.6 55.................................................. 19.3 20.1 20.8 21.6 22.2 22.9 23.5 24.1 24.6 25.2 56.................................................. 19.2 19.9 20.6 21.3 22.0 22.6 23.2 23.7 24.3 24.7 57.................................................. 19.0 19.7 20.4 21.1 21.7 22.3 22.8 23.4 23.8 24.3 58.................................................. 18.8 19.5 20.2 20.8 21.4 21.9 22.5 22.9 23.4 23.8 59.................................................. 18.6 19.3 19.9 20.5 21.1 21.6 22.0 22.5 22.9 23.2 60.................................................. 18.4 19.0 19.6 20.2 20.7 21.2 21.6 22.0 22.4 22.7 61.................................................. 18.1 18.7 19.3 19.8 20.3 20.7 21.1 21.5 21.8 22.1 62.................................................. 17.8 18.4 18.9 19.4 19.9 20.3 20.6 21.0 21.2 21.5 63.................................................. 17.5 18.1 18.5 19.0 19.4 19.8 20.1 20.4 20.6 20.8 64.................................................. 17.2 17.7 18.1 18.6 18.9 19.3 19.5 19.8 20.0 20.2 65.................................................. 16.8 17.3 17.7 18.1 18.4 18.7 18.9 19.2 19.3 19.5 66.................................................. 16.5 16.9 17.3 17.6 17.9 18.1 18.3 18.5 18.7 18.8 67.................................................. 16.1 16.4 16.8 17.1 17.3 17.5 17.7 17.9 18.0 18.1 68.................................................. 15.6 16.0 16.3 16.5 16.7 16.9 17.1 17.2 17.3 17.4 69.................................................. 15.2 15.5 15.7 16.0 16.1 16.3 16.4 16.5 16.6 16.7 70.................................................. 14.7 15.0 15.2 15.4 15.5 15.7 15.8 15.8 15.9 15.9 71.................................................. 14.2 14.4 14.6 14.8 14.9 15.0 15.1 15.2 15.2 15.2 72.................................................. 13.7 13.9 14.1 14.2 14.3 14.4 14.4 14.5 14.5 14.5 73.................................................. 13.2 13.3 13.5 13.6 13.7 13.7 13.8 13.8 13.8 13.9 [[Page 255]] 74.................................................. 12.6 12.8 12.9 13.0 13.0 13.1 13.1 13.1 13.2 13.2 75.................................................. 12.1 12.2 12.3 12.4 12.4 12.5 12.5 12.5 12.5 12.5 76.................................................. 11.5 11.6 11.7 11.8 11.8 11.8 11.8 11.9 11.9 11.9 77.................................................. 11.0 11.1 11.1 11.2 11.2 11.2 11.2 11.2 11.2 11.2 78.................................................. 10.4 10.5 10.5 10.6 10.6 10.6 10.6 10.6 10.6 10.6 79.................................................. 9.9 9.9 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 9.5 9.5 9.5 9.5 9.5 9.5 81.................................................. 8.8 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82.................................................. 8.3 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 83.................................................. 7.8 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 3.7 3.7 3.7 3.7 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 VIII--Temporary Life Annuities;\1\ One Life--Expected Return Multiples [See footnote at end of tables] Temporary Period--Maximum Duration of Annuity -------------------------------------------------------------------------------------------------------------------------------------------------------- Years-- Age --------------------------------------------------------------------------------------------------- 31 32 33 34 35 36 37 38 39 40 -------------------------------------------------------------------------------------------------------------------------------------------------------- 5................................................... 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7 6................................................... 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7 7................................................... 30.8 31.8 32.8 33.8 34.8 35.8 36.7 37.7 38.7 39.7 8................................................... 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.7 9................................................... 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.6 10.................................................. 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6 11.................................................. 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6 12.................................................. 30.8 31.8 32.8 33.7 34.7 35.7 36.7 37.6 38.6 39.6 13.................................................. 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5 14.................................................. 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5 15.................................................. 30.8 31.7 32.7 33.7 34.7 35.6 36.6 37.6 38.5 39.5 16.................................................. 30.8 31.7 32.7 33.7 34.6 35.6 36.6 37.5 38.5 39.4 17.................................................. 30.7 31.7 32.7 33.7 34.6 35.6 36.5 37.5 38.5 39.4 18.................................................. 30.7 31.7 32.7 33.6 34.6 35.6 36.5 37.5 38.4 39.4 19.................................................. 30.7 31.7 32.6 33.6 34.6 35.5 36.5 37.4 38.4 39.3 20.................................................. 30.7 31.7 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.3 [[Page 256]] 21.................................................. 30.7 31.6 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.2 22.................................................. 30.6 31.6 32.6 33.5 34.5 35.4 36.4 37.3 38.2 39.2 23.................................................. 30.6 31.6 32.5 33.5 34.4 35.4 36.3 37.3 38.2 39.1 24.................................................. 30.6 31.5 32.5 33.5 34.4 35.3 36.3 37.2 38.1 39.0 25.................................................. 30.6 31.5 32.5 33.4 34.3 35.3 36.2 37.1 38.1 39.0 26.................................................. 30.5 31.5 32.4 33.4 34.3 35.2 36.2 37.1 38.0 38.9 27.................................................. 30.5 31.4 32.4 33.3 34.2 35.2 36.1 37.0 37.9 38.8 28.................................................. 30.5 31.4 32.3 33.3 34.2 35.1 36.0 36.9 37.8 38.7 29.................................................. 30.4 31.4 32.3 33.2 34.1 35.0 35.9 36.8 37.7 38.6 30.................................................. 30.4 31.3 32.2 33.1 34.1 35.0 35.8 36.7 37.6 38.5 31.................................................. 30.3 31.2 32.2 33.1 34.0 34.9 35.8 36.6 37.5 38.3 32.................................................. 30.3 31.2 32.1 33.0 33.9 34.8 35.6 36.5 37.4 38.2 33.................................................. 30.2 31.1 32.0 32.9 33.8 34.7 35.5 36.4 37.2 38.0 34.................................................. 30.1 31.0 31.9 32.8 33.7 34.6 35.4 36.2 37.1 37.9 35.................................................. 30.1 31.0 31.8 32.7 33.6 34.4 35.3 36.1 36.9 37.7 36.................................................. 30.0 30.9 31.7 32.6 33.5 34.3 35.1 35.9 36.7 37.4 37.................................................. 29.9 30.8 31.6 32.5 33.3 34.1 34.9 35.7 36.5 37.2 38.................................................. 29.8 30.7 31.5 32.3 33.2 34.0 34.7 35.5 36.2 37.0 39.................................................. 29.7 30.5 31.4 32.2 33.0 33.8 34.5 35.3 36.0 36.7 40.................................................. 29.6 30.4 31.2 32.0 32.8 33.6 34.3 35.0 35.7 36.4 41.................................................. 29.4 30.2 31.0 31.8 32.6 33.3 34.1 34.7 35.4 36.0 42.................................................. 29.3 30.1 30.9 31.6 32.4 33.1 33.8 34.4 35.1 35.7 43.................................................. 29.1 29.9 30.7 31.4 32.1 32.8 33.5 34.1 34.7 35.3 44.................................................. 28.9 29.7 30.5 31.2 31.9 32.5 33.2 33.8 34.3 34.9 45.................................................. 28.8 29.5 30.2 30.9 31.6 32.2 32.8 33.4 33.9 34.4 46.................................................. 28.5 29.3 30.0 30.6 31.3 31.9 32.4 33.0 33.5 33.9 47.................................................. 28.3 29.0 29.7 30.3 30.9 31.5 32.0 32.5 33.0 33.4 48.................................................. 28.1 28.7 29.4 30.0 30.6 31.1 31.6 32.1 32.5 32.9 49.................................................. 27.8 28.4 29.0 29.6 30.2 30.7 31.1 31.5 31.9 32.3 50.................................................. 27.5 28.1 28.7 29.2 29.7 30.2 30.6 31.0 31.4 31.7 51.................................................. 27.2 27.8 28.3 28.8 29.3 29.7 30.1 30.4 30.7 31.0 52.................................................. 26.8 27.4 27.9 28.4 28.8 29.2 29.5 29.8 30.1 30.3 53.................................................. 26.5 27.0 27.4 27.9 28.3 28.6 28.9 29.2 29.4 29.6 54.................................................. 26.1 26.5 27.0 27.4 27.7 28.0 28.3 28.5 28.7 28.9 55.................................................. 25.6 26.1 26.5 26.8 27.1 27.4 27.6 27.8 28.0 28.1 56.................................................. 25.2 25.6 25.9 26.2 26.5 26.7 26.9 27.1 27.2 27.3 57.................................................. 24.7 25.0 25.3 25.6 25.8 26.0 26.2 26.3 26.5 26.5 58.................................................. 24.1 24.4 24.7 25.0 25.2 25.3 25.5 25.6 25.7 25.7 59.................................................. 23.6 23.8 24.1 24.3 24.4 24.6 24.7 24.8 24.9 24.9 60.................................................. 23.0 23.2 23.4 23.6 23.7 23.8 23.9 24.0 24.0 24.1 61.................................................. 22.3 22.5 22.7 22.9 23.0 23.1 23.1 23.2 23.2 23.3 62.................................................. 21.7 21.9 22.0 22.1 22.2 22.3 22.3 22.4 22.4 22.4 63.................................................. 21.0 21.1 21.3 21.4 21.4 21.5 21.5 21.6 21.6 21.6 64.................................................. 20.3 20.4 20.5 20.6 20.6 20.7 20.7 20.7 20.8 20.8 65.................................................. 19.6 19.7 19.8 19.8 19.9 19.9 19.9 19.9 19.9 20.0 66.................................................. 18.9 19.0 19.0 19.1 19.1 19.1 19.1 19.1 19.1 19.1 67.................................................. 18.2 18.2 18.3 18.3 18.3 18.3 18.3 18.3 18.4 18.4 68.................................................. 17.4 17.5 17.5 17.5 17.5 17.6 17.6 17.6 17.6 17.6 69.................................................. 16.7 16.7 16.8 16.8 16.8 16.8 16.8 16.8 16.8 16.8 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 15.3 72.................................................. 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 73.................................................. 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 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 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 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 9.5 9.5 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 [[Page 257]] 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 3.7 3.7 3.7 3.7 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 -------------------------------------------------------------------------------------------------------------------------------------------------------- \1\ The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of Sec. 1.72-5. If (a) the terms of the contract involve a life or lives, and are such that the above tables cannot be correctly applied, and (b) the amounts received under the contract are at least partly ``amounts received as an annuity'' under a contract to which section 72 applies, the taxpayer may submit with his return an actuarial computation based upon the applicable annuity table (described below) with ages set back one year, showing the appropriate factors applied in his case, subject to the approval of the Commissioner upon examination of such return. The applicable annuity table is the 1937 Standard Annuity Table (if the investment in the contract does not include a post-June 1986 investment in the contract) or the gender-neutral version of the 1983 Basic Table (if the investment in the contract includes a post-June 1986 investment in the contract). In the case of a contract to which Sec. 1.72-6(d) (relating to contracts in which amounts were invested both before July 1, 1986, and after June 30, 1986) applies, the actuarial computation shall be based on both tables in accordance with the principles of Sec. 1.72-6(d). Computations involving factors to compensate for the effects of contingencies other than mortality, such as marriage or remarriage, re-employment, recovery from disability, or the like, will not be approved. [T.D. 6500, 25 FR 11402, Nov. 26, 1960; 25 FR 14021, Dec. 21, 1960, as amended by T.D. 8115, 51 FR 45706, Dec. 19, 1986; T.D. 8115, 60 FR 16381, Mar. 30, 1995 ]