NET RATES AND RESERVES ADAPTED TO CALCULATIONS INVOLVING PERLIMINARY TERM INSURANCE WITH TABLES FOR VARIOUS INCREASING TEMPORARY INSURANCES (Based Upon the Tables Originally Compiled by Wilbur S. Tupper) REVISED. REARRANGED AND ENLARGED WITH ADDED TERMINAL AND MEAN RESERVE PURE ENDOWMENT TABLES AND MANY OTHER ADDITIONAL TABLES BY T. C. RAFFERTY NEW YORK C. C. HINE'S SONS COMPANY 1919 Copyright, 1919 C. C. Hink's vSons Company New York, N. Y. CONTENTS Page Introduction v COMBINED EXPERIENCE-4%. Net Premiums— Fui.i, Preliminary Term. First Year — All Forms 3 Renewal — All Forms 3 Net Premiums— Mortuary Additions or Increasing Temporary Insur- ance. Expiring in 10 years , 5 Expiring in 15 years 5 Expiring in 20 years 5 Terminal Reserves— Fuel Preliminary Term. Ordinary Life 6 20 Payment Life 10 15 Payment Life 14 10 Payment Life 17 20 Year Endowment 19 15 Year Endowment 23 10 Year Endowment 26 Terminal Reserves — Full Levfl Premium. 20 Year Mortuary Additions 28 15 Year Mortuary Additions , 32 10 Year Mortuary Additions 35 Meausi Reserves — Full Preliminary Term. Ordinary Life Z7 20 Payment Life 41 15 Paym.ent Life 45 10 Payment Life 48 20 Year Endowment 50 15 Year Endowment 54 10 Year Endox^ment 57 Mean Reserves — Full Level Premium. 20 Year Mortuary Additions 59 15 Year jMortuary Additions 63 10 Year Mortuary Additions ' 66 AMERICAN EXPERIENCE— 31,^%. Net Premiums — Full Preliminary Term. First Year — All Forms 71 Renewal — All Forms 71 Net Premiums — Mortuary Additions or Increasing Temporary Insur- surance. Expiring in 10 Years 72> Expiring in 1 5 Years , . . . 7^ Expiring in 20 Years 73 Terminal Reserves — Full Preliminary Term. Ordinary Life ." 74 20 Payment Life 78 15 Payment Life 82 10 Payment Life 85 20 Year Endowment 87 15 Year Endowment 91 10 Year Endowment 94 Terminal Reserves — Full Level Premium. 20 Year Mortuary Additions 96 15 Year Mortuary Additions 100 10 Year Mortuary Additions 103 4432 1 1;) IV ' ' Page Mean Reiserves — Fuli. Preliminary Term. Ordinary Life 105 20 Payment Life 113 15 Payment Life 119 10 Payment Life 120 20 Year Endowment 122 15 Year Endowment 126 10 Year Endowment 129 Mean Reserves — Fuel Level Premium. 20 Year Mortuary Additions 131 15 Year Mortuary Additions 135 10 Year Mortuary Additions 138 Mean Reserves — Full Level Premium. 5 Year Term 140 10 Year Term 141 20 Year Term 143 Mean Reserves. Paid Up Extended Insurance 147 Net Premiums — Pure Endowment. 20 Year Period 168 15 Year Period 168 10 Year Period 168 Terminal Reserves — Pure Endowment 169 Mean Reserves — Pure Endowment 182 Mean Accumulated Temporary Insurance 195 Table of Reciprocals — Dx, Mx, Nx, Ax, and Various Immediate An- nuities 208 AMERICAN EXPERIENCE— 37c; Net Premium — Full Preliminary Term. First Year — All Forms 215 Renewal — All Forms 215 Net Premiums — Mortuary Additions or Increasing Temporary In- surance. Expiring in 10 Years 217 Expiring in 15 Years 217 Expiring in 20 Years 217 Terminal Reserves — Full Preliminary Term. Ordinary Life 218 20 Payment Life 222 15 Payment Life 226 10 Payment Life 229 20 Year Endowment 231 1 5 Year Endowment 235 10 Year Endowment 238 Terminal Reserves — Full Level Premium. 20 Year Mortuary Additions 240 15 Year Mortuary Additions 244 10 Year Mortuary Additions 247 Mean Reserves — Full Level Premium. Ordinary Life • 249 20 Payment Life 253 15 Payment Life 257 10 Payment Life 260 20 Year Endownment 262 15 Year Endownment 266 10 Year Endownment 269 Means Reserves — Full Level Premium. 20 Year Mortuary Additions 271 15 Year Mortuary Additions 275 10 Year Mortuary Additions 278 INTRODUCTION The original edition of "Net Rates and Reserves" was published in 1905 by Messrs. C. C. Hine's Sons Co. (compiled by Wilbur S. Tupper), and supplied the data used by a very large number of Life Insurance Companies of the United States, on premiums, terminal and mean reserves, in connedion with the Full Preliminary Term method of valuation and operation, which had come largely into vogue during the eight or ten years immediately preceding that time. The tables of premiums and reserves contained therein were computed on the basis of the Combined Experience (Actuaries) 4%, and the American Experience at both 3%% and 3%, these being the three tables in general use. In the present revised edition all of the tables of the original edition are included, but they have been completely rearranged in order to more easily and fully serve the purpose for which they were intended — Full Preliminary Term work. As originally published, the tables were arranged in the form of 9 Payment, 14 Payment, 19 Payment, 9 Year Endowment, 14 Year Endowment and 19 Year Endowm.ent, to be used in conjunction with a One Year Term, the combination making a Full Preliminary Term Policy in the form desired. Inasmuch as the use of all of these tables is primarily for the purpose of having a 10 Payment, 15 Payment, 20 Payment, etc., in the Full Preliminary Term Form — it has been deemed advisable to rearrange the tables entirely to conform to such use, and to facilitate quick reference and operation. As rearranged there will be no necessity for adjusting the age and the year to fit the particular case, as all of these details are taken care of in the rearrangement. No adjusting will be necessary. It is felt that this will be the means of saving a very large amount of time in the use of the tables, and will eliminate the many possibilities of errors, which creep in when taking out yalues while adjusting the age and the period at the same time. The tables can stilj. be used for 9 Payment, 14 Payment, 19 Payment, etc., level premium values, by adjustment of age and period in the reverse order, and as their use for this purpose will be only in a minority of cases, the adjusting will not be considered a disadvantage. It must be noted that, with the exception of the Mortuary Additions Tables, all tables have been rearranged, so that the values in this edition do not compare, age for age, with those in the first edition. This should be remembered by those zvho possess the first edition. The tables of Increasing Temporary Insurance or Mortuary Additions, as they are more properly called, give Net Premiums, Terminal and Mean Reserves for Ten, Fifteen and Twenty Year temporary periods, and are based upon Full Level Premiums, as such increasing insurances or return premium insurances are nearly always intended to cover the first year of insurance and the first premium, even though the policy itself is otherwise Full Preliminary Term. A number of additions have been made to the old tables, among them being the Ordinary Life Terminal Reserves — arranged in Full Preliminary Term Form — they having been left out of the original edition. While these tables are very simple, they are fundamental, and in the present arrangement will furnish, without any adjustments, quick reference tables for use in connedion with policy values based thereon. In the new and additional tables of the present edition, it has been the aim to work in the diredion of Mean Reserves — and a quick method is presented, with tables, for the calculation of Mean Reserves diredly from the premium, which, it is hoped, will prove of value in the many instances where mean reserves are needed on odd policies, with no tables of means or terminals immediately at hand, with which to operate. The method is applicable on the usual forms of valuation, as explained, to policies of all forms with uniform premiums and uniform benefits during the premium paying period. VI EXPLANATORY NOTES. Net Premiums. First Year Premiums and Renewal Premiums are given on all the usual regular forms of policies — Ordinary Life, Limited Payment and Endowment — all arranged in Full Preliminary Term Form. Terminal and Mean Reserves. These tables for all the usual regular forms of policies, are arranged, as before stated, as Full Preliminary Term, and no adjustments for age or period are required in taking out values. They explain themselves. MORTUARY ADDITIONS OR INCREASING TEMPORARY INSURANCE. Net Premiums. The Mortuary Additions Net Premiums are Full Level Premiums and are given per $1000 of Insurance (or Additions or Return Premium — as the case may be) increasing by a similar amount yearly and terminating entirely at the end of the period stated; i. e., the insurance is $1000 the first year, $2000 the second year, $3000 the third year, etc. To determine the Net Premium for other amounts, multiply the tabular net premium by the annual Addition. Hxample — Suppose a $1000 policy, Age 35, Amer. 3i/%, with an addition of $50 a year for 20 years, required the Net Level Premium for the Additions — Net ^ 50. X 109.03 = $5.45 the required Net Premium for the Additions. (As the ratio is to 1000, three extra places must be pointed off in arriving at the result.) For a Return Premium on a given policy, the process of determining the additional net premium for the return, is as follows : Multiply the Gross Policy Premium by the Tabular Premium, and divide the product by 1000 less the Tabular Premium. Example — Suppose a $1000 policy, 20 Payment Life, Amer. 33^% Illinois Standard, Age 35, Premium $36.12; required the net additional for Mortuary Return Premiums Additions for 20 years— 36.12 X 109.03 Net additional — — =: $4.42 1000 — 109.03 the required net additional premium, which added to the original premium makes the total Annual Premium $40.54, which is also the unit of Return Additions. Should a percentage of loading be required on the Mor. Add. Premium, the process is the same as above, except that the divisor becomes 1000 less the Tabular Premium multiplied by one plus the percentage of loading. Example — Suppose the same case as above except that a loading of 20% of the Net Additional Premium is required to be included — 36.12 X 109.03 Net additional — = $4.53 1000 — 1.2 X 109.03 the required net additional premium, to which must be added the 20% of loading, $.91 — making the Gross Additional Premium $5.44— and the Total Premium on the policy $41.56. Vll There are many other cases, but these are given merely to illustrate the use of the table. Terminal Reserves. The Mortuary Additions Terminal Reserves are arranged on the basis of the attained amount of insurance in the years specified, for the $1000 unit. To obtain the reserve on other amounts, multiply the reserve as given, by the unit of Additions. Example — Required, the 11th terminal reserve on the Return Premium of the last example — ^^Premium $41.56. Terminal reserve = 41.56 X 789.41 = $32.81, the required reserve. Mean Reserves. The Mortuary Additions Mean Reserves are given on the basis per $1000 of the actual Additions in force at each year as stated. To detennine the mean reserve on odd amounts, multiply the unit of Additions by the number of years in force and multiply this produce by the Tabular Mean Reserves of the year stated. Example — Required, the 11th year Mean Reserve of the Mortuary Additions in the last example. Mean reserve = 11 X 41.56 X 75.56 =: $34.54, the required Mean Reserve. Mean Reserves — Term Policies. These tables of Mean Reserves (Full Level Premium) have been added for handy reference, covering the three most frequently used forms of Term Policies ; on the American Table 3y2%. Mean Reserves. For Valuing Paid Up Extended Insurance. This table of Mean Single Premiums Temporary Insurance will be found very useful in the valuation of Paid Up Temporary Insurance. The table is quite complete, covering Ages 20 to 75 for all yearly periods to the limit of the American Table. At ?>y2%. PURE ENDOWMENT. American Experience — 3i/^%. Net Premiums. The table gives the Pure Endowment Net Annual Premium necessary to accumulate a Pure Endowment of $1000 in the period stated. Useful in Modified PreliminarA^ Term work to quickly obtain the extra premium over the Ordinary lyife Form on all Limited Payment arid Endowment forms of policies, and in Illinois Standard, to obtain similar extra premiums over the 20 Payment Life Form ; also, in both cases, on many other than regular forms, when there is a Pure Endowment in the policy. To determine Net Premiums, multiply the Tabular Premium for the period desired by the amount of Pure Endowment to be accumulated. Example — Required, the additional P. E. Net Annual Premium to be added to a 20 Payment Life, Illinois Standard, Age 35, to give 20 Year Endowment, Illinois Standard — Terminal Value 20 Yr. End. = $1000.00 " 20Pav. Life = 566.15 433.85 Net additional Annual Premium = 433.85 X 29.318 = $12,719, premium required. Vlll Terminal Reserves — Pure Endowment. These values are newly calculated and are the same values as Forborne Annuities, but the name Terminal Reserve Pure Endowment more clearly describes the values for the purposes for which they are intended to be used in this work, being- the accumulations or Terminal Reserves each year on an Annual Pure Endowment Premium of $1. They are useful in determining the extra terminal reserve each year on policies which are loaded with an additional premium to produce a higher cash value at the end of a certain period. For instance, $1 may be added to the Ordinary Life, Age 35, as an additional Net Premium — Total Net, $21.55— and the additional terminal reserves over the Ordinary Life are as shown in this table. In the 20th year the additional reserve would be $31.38 (full preliminary term), making the total $333.92, allowing a cash value of the same amount if desired. These values are useful in determining the extra terminal reserves over the Ordinary Life in Modified Preliminary Term work on Limited Payment and Endowment Forms ; and similarly in Illinois Standard work, over the 20 Payment Form ; and for the same purpo"Se, on either standard, on odd forms of policies — such as 20 Payment. Endowment Return Premium, etc. — and whenever there is a Pure Endowment incorporated in a policy to produce certain results. Example — Required, the 17th Terminal on 20 Year Endowment, Age 35, Modified Preliminary Term — Extra P. E. An. Prem. over the Ord. Life is $20,448 Additional Terminal = 20.448 X 26.4223 ' = $540.28 Ordinary Life Terminal = 246.10 20 Yr Endowment Terminal = 786.38, as required. Mean Reserves — Pure Endowment. These values, it is believed, have never been published before, and are thought to be entirely new. being originally developed and calculated by the reviser for his own office use. They furnish a quick and short method of calculating Mean Reserves directly from the premium, without the necessity of having any of the terminal reserves, and without using any of the terminal reserves in the calculation. They are of especial value in directly calculating the additional mean reserve in modified preliminary term work on all limited payment and endowment, forms over the ordinary life — any mean being obtained by one multiplication and one addition. In a similar manner on the Illinois Standard, any mean reserve can be obtained directly. And on other and odd forms of policies which contain an extra loading of a Pure Endowment to produce certain results — as in the case of a 20 Payment, Endowment Return Premium, and other similar types — one multiplication and one addition gives a mean reserve. £.t-am/»/4% table. All of the additional and new tables were computed in the office of the reviser on the Millionaire Calculator and were checked at intervals with results derived from separate formulae. Where possible, they have been rechecked with tables from other sources, and it is believed that they are accurate up to the last decimal figure, in which, at times, there may be a variation. It is hoped that the tables will be found useful, and while errors do creep in, it is believed that they have been reduced to a miuimum. The reviser will appreciate being advised of any that appear, and prompt steps will be taken to give proper corrections to all users of the work. T. C. R. Philadelphia, June, 1919. Combined E^xperience 4% COMB. EXP. NET PREMIUMS '* ' ,', I '■.■.:r4% FULL PRELIMINARY TERM ' ' ; » .,» ,H , ' , , First Year Premiums RENEWAL PREMIUMS Ordinary Life 20 Payment ig Life 1 Payment Life lo Payment Age All Forms Life 20 7.01 13.27 19.98 24.44 34.13 21 7.09 13.61 20.38 24.91 34.79 22 7.18 13.96 20.79 25.41 35.46 23 7.27 14.33 21.21 25.92 36.16 24 7.37 14.72 21.65 26.44 36.89 25 7.47 15.13 22.11 26.99 37.64 26 7.58 15.56 22.58 27.56 38.42 27 7.70 16.01 23.07 28.15 39.22 28 7.83 16.48 23.58 28.75 40.05 29 7.96 16.97 24.11 29.38 40.91 30 8.10 17.49 24.66 30.04 41.80 31 8.25 18.04 25.23 30.71 42.72 . 32 8.41 18.62 25.83 31.41 43.68 33 8.58 19.23 26.45 32.14 44.66 34 8.75 19.87 27.10 32.89 45.68 35 8.93 20.54 27.77 33.68 46.73 36 ~ 9.12 21.26 28.48 34.50 47.82 37 9.32 22.02 29.22 35.35 48.96 38 9.53 22.82 30.00 36.24 50.13 39 9.74 23.68 30.82 37.17 51.36 40 9;96 24.59 31.69 38.15 52.64 41 10.21 .25.55 32.60 39.18 53.97 42 10.48 26.58 33.57 40.27 55.37 43 10.82 27.68 34.60 41.41 56.83 44 11.25 28.85 35.67 42.60 58.34 45 11.74 30.08 36.81 43.84 59.91 46 12.35 31.39 38.00 45.13 61.53 47 13.00 32.77 39.25 46.48 63.21 48 13.71 34.23 40.56 47.88 64.93 49 14.48 35.78 41.95 49.35 66.72 50 15.33 37.42 43.41 50.88 68.56 51 16.25 39.15 44.95 52.48 70.47 52 17.26 41.00 46.58 54.16 72.44 53 18.36 42.95 48.31 55.91 74.48 54 19.53 45.03 50.14 57.76 76.59 55 20.83 47.23 52.09 59.71 78.79 56 22.24 49.57 54.17 61.76 81.07 S7 • 23.73 52.07 56.38 63.93 83.44 58 25.37 54.72 58.75 66.23 85.93 59 27.16 57.56 61.29 68.68 88.53 60 29.17 60.57 64.01 71.28 91.25 61 31.36 63.78 62 33.77 67.20 63 36.39 70.84 64 39.26 74.72 65 42.39 78.85 COMB. NET PREMIUMS 4% FULL PRF.T.IMINARY TERM ENDOWMENTS First Year RENEWAL PREMIUMS Premiums 20 Ycflr 15 Year End. f €\ V^^nf* Age All Forms End. X\J I well ' End. 20 7.01 39.42 56.79 94.57 21 7.09 39.49 56.85 94.63 22 7.18 39.57 56.92 94.68 23 7.27 39.66 56.99 94.74 24 7.Z7 39.75 57.06 94.80 25 7A7 39.84 57.14 94.87 26 7.58 39.94 57.23 94.94 27 7.70 40.05 57.32 95.01 28 7.83 40.16 57.41 95.09 29 7.96 40.29 57.51 95.17 30 8.10 40.42 57.62 95.26 31 8.25 40.57 57.73 95.35 32 8.41 40.72 57.85 95.44 }>i 8.58 40.90 57.98 95.54 34 8.75 41.09 58.12 95.65 35 8.93 41.30 58.27 95.76 36 9.12 41.54 58.44 95.88 37 9.32 41.80 58.63 96.01 38 9.53 42.10 58.85 96.15 39 9.74 42.43 59.10 96.32 40 9.96 42.80 59.38 96.52 41 10.21 43.22 59.70 96.75 42 10.48 43.68 60.06 97.01 43 10.82 44.20 60.47 97.32 44 11.25 44.78 60.93 97.67 45 11.74 45.41 61.43 98.05 46 12.35 46.10 61.97 98.47 47 13.00 46.86 62.57 98.93 48 13.71 47.68 63.22 99.44 49 14.48 48.58 63.94 99.98 50 15.33 49.57 64.72 100.58 51 16.25 50.65 65.57 101.23 52 17.26 • 51.82 66.50 101.94 53 18.35 53.11 67.52 102.71 54 19.53 54.52 68.64 103.56 55 20.83 56.05 69.87 104.48 56 22.24 57.73 71.21 105.50 57 23.73 59.57 72.70 10662 58 25.37 61.59 74.32 107.86 59 27.16 63.79 76.11 109.22 60 29.17 66.19 78.08 110.72 TxT NET PREMIUMS ^% Per $i,ooo of Insurance, increasing annually by the same amount, and terminating entirely at end of period. Mortuary or Increasing Additions FULL LEVEL PREMIUMS Age 30 Yrs. 15 Yrs. 10 Yrs. 20 75.39 56.80 38.72 21 76.79 57.78 39.31 22 78.27 58.81 39.94 23 79.84 59.89 40.61 24 81.53 61.03 41.31 25 83.30 62.22 42.05 26 85.45 63.47 42.84 27 87.77 64.78 43.66 28 90.37 66.16 44.52 29 93.28 67.67 45.43 30 96.52 69.34 46.37 31 100.11 71.23 47.36 32 ' 104.09 73.38 48.39 33 108.49 75.82 49.49 34 113.34 78.58 50.70 35 118.66 81.67 52.08 36 124.49 85.12 53.67 37 1.30.87 88.96 55.53 38 137,81 93.22 57.67 39 145.35 97.92 60.11 40 153.52 103.08 62.87 41 162.39 108.74 65.94 42 172.00 114.90 69.36 43 182.39 121.58 73.13 44 193.59 128.81 77.26 45 205.65 136.62 81.75 46 218.00 145.08 86.62 47 232.48 154.23 91.91 48 247.31 164.14 97.61 49 263.12 174.84 103.77 50 279.89 186.39 110.42 51 297.64 198.84 117.65 52 316.36 212.23 125.51 53 336.03 226.62 134.06 54 356.61 242.01 143.33 55 378 07 258.42 153.39 56 400.35 275.87 164.30 57 423.36 294.36 176.10 58 447.02 313.90 188.83 59 471.23 334.47 202.53 60 495.85 356.04 217.19 COMB. EXP. 1 TERMINAL RESERVES 4% Ordinary Life FULL PRELIMINARY TERM YEARS. Age I 2 3 4 5 20 0.00 6.47 13.17 20.09 27.24 2i 0.00 6.74 13.71 20.90 28.34 22 0.00 7.01 14.26 21.75 29.49 23 0.00 7.30 14.84 22.64 30.69 24 0.00 7.60 15.45 23.56 31.94 25 0.00 7.91 16.08 24.52 33.24 26 0.00 8.24 16.75 25.53 34.60 27 0.00 8.58 17.43 26.58 36.02 28 0.00 8.93 18.16 27.68 37.50 29 0.00 9.31 18.91 28.83 39.06 30 0.00 9.70 19.70 30.03 40.70 31 0.00 10.10 20.54 31.31 42.43 32 0.00 10.54 21.42 32.65 44.25 33 0.00 11.00 22.35 34.07 46.20 34 0.00 11.48 23.34 35.59 48.25 35 0.00 11.99 24.39 37.19 50.43 36 0.00 12.55 25.51 38.90 52.75 37 0.00 13.12 26.69 40.72 55.22 38 0.00 13.74 27.96 42.65 57.83 39 0.00 14.41 29.31 44.70 60.55 40 0.00 15.12 30.73 46.81 63.29 41 0.00 15.85 32.18 48.91 66.04 42 0.00 16.58 33.59 51.00 68.73 43 0.00 17.30 34.99 53.02 71.38 44 0.00 18.01 36.36 55.04 74.03 45 0.00 18.69 37.71 57.05 76.72 46 0.00 19.39 39.10 59.14 79.47 47 0.00 20.10 40.54 61.28 82.30 48 0.00 20.85 42.02 63.47 85.19 49 0.00 21.62 43.52 65.70 88.13 50 0.00 22.39 45.06 67.98 91.14 51 0.00 23.19 46.63 70.33 94.24 52 0.00 24.00 48.26 72.74 97.42 53 0.00 24.85 49.94 75.22 100.70 54 0.00 25.72 51.65 77.78 104.08 55 0.00 26.61 53.43 80.42 107.55 56 0.00 27.56 55.29 83.15 111.07 57 0.00 28.52 57.18 85.88 114.59 58 0.00 29.50 59.05 88.60 118.08 59 0.00 30.45 60.90 91.28 121.54 60 0.00 31.41 62.74 93.96 124.99 61 0.00 32.35 64.58 96.62 128.41 62 0.00 33.31 66.41 99.27 131.77 63 0.00 34.25 68.23 101.86 135.09 64 0.00 35.19 70.01 104.41 138.37 65 0.00 36.11 71.76 106.95 141.65 COMB. EXP. TERMINAL RESERVES 4"^ Ordinary Life FULL PRELIMINARY TERM YEARS. Age 6 7 8 9 lO 20 34.64 42.27 50.16 58.31 66.72 21 36.03 43.97 52.17 60.64 69.38 22 37.48 45.74 54.26 63.07 72.15 23 39.00 47.59 56.45 65.60 75.04 24 40.58 49.51 58.73 • 68.24 78.06 25 42.23 51.52 61.11 71.00 81.22 26 43.96 53.62 63.59 73.89 84.52 27 45.76 55.81 66.20 76.92 87.98 28 47.64 58.12 68.93 80.09 91.64 29 49.63 60.54 71.80 83.45 95.48 30 51.71 63.08 74.84 86.98 99.53 31 53.91 65.78 78.04 90.72 103.82 32 56.25 68.63 81.43 94.67 108.36 33 58.71 71.65 85.03 98.86 113.15 34 61.34 74.86 88.84 103.29 118.16 35 64.11 78.26 92.87 107.92 123.35 36 67.08 81.87 97.09 112.71 128.69 37 70.20 85.62 101.43 117.61 134.10 38 73.46 89.48 105.88 122.59 139.60 39 76.79 93.42 110.36 127.60 145.14 40 80.16 97.35 114.85 132.64 150.73 41 83.49 - 101.26 119.32 137.69 156.33 42 86.78 105.13 123.80 142.74 161.94 43 90.04 109.02 128.28 147.80 167.56 44 93.34 112.94 132.80 152.91 173.24 45 96.67 116.90 137.38- 158.08 179.02 46 100.09 120.95 142.05 163.37 184.90 47 103.57 125.09 146.83 168.78 190.90 48 107.14 129.34 151.73 174.30 197.06 49 110.79 133.66 156.72 179.95 203.34 50 114.52 138.09 161.84 185.74 209.76 51 118.34 142.64 167.09 191.66 216.27 52 . 122.29 147.32 172.47 197.66 222.86 53 126.35 152.12 177.93 203.75 229.51 54 130.51 156.98 183.46 209.87 236.19 55 134.72 161.90 189.01 , 216.02 242.87 56. 138.99 166.84 194.59 222.18 249.55 57 143.23 171.77 200.14 228.28 256.13 58 147.46 176.66 205.63 234.30 262.63 59 151.63 181.49 211.02 240.21 269.02 60 155.78 186.25 216.25 246.06 275.36 61 159.86 190.94 221.61 251.86 281.62 62 163.89 195.59 226.85 257.60 287.83 63 167.87 200.21 232.02 263.29 293.98 64 171.84 204.79 237.17 268.95 300.10 65 175.79 209.36 242.30 274.58 306.18 TERMINAL RESERVES /^% COMB. EXP. Ordinary Life FULL PRELIMINARY TERM YEARS Age II 13 13 14 15 20 75.41 84.37 93.62 103.17 113.04 21 78.41 87.72 97.33 107.26 117.51 22 81.53 91.20 101.20 111.52 122.17 23 84.78 94.85 105.24 115.97 127.07 24 88.20 98.67 109.47 ' 120.65 132.19 25 91.76 102.65 113.92 125.54 137.56 26 95.50 106.85 118.57 130.69 143.22 27 99.43 111.25 123.46 136.10 149.16 28 103.56 115.88 128.62 141.80 155.40 29 107.91 120.77 134.06 147.79 161.93 30 112.51 125.93 139.79 154.05 168.68 31 117.37 131.36 145.77 160.54 175.66 32 122.50 137.05 151.97 167.24 182.80 33 127.86 142.94 158.38 174.10 190.11 34 133.41 149.02 164.92 181.11 197.57 35 139.13 155.22 171.60 188.25 205.18 36 144.97 161.54 178.39 195.53 212.92 37 150.89 167.95 185.32 202.92 220.76 38 156.89 174.47 192.32 210.40 228.71 39 162.97 181.06 199.40 217.96 236.73 40 169.09 187.69 206.53 225.57 244.82 41 175.22 194.35 213.68 233.23 252.95 42 181.37 201.02 220.87 240.92 261.11 43 187.54 207.73 228.11 248.65 269.36 44 193.79 214.53 235.43 256.50 277.70 45 200.13 221.41 242.86 264.45 286.15 46 206.59 228.45 250.45 272.56 294.71 47 213.19 235.63 258.18 280.76 303.35 48 219.95 242.96 266.01 289.07 312.06 49 226.84 250.38 273.92 297.41 320.81 50 233.82 257.88 281.89 305.81 329.58 51 240.88 265.44 289.91 314.23 338.36 52 248.00 273.05 297.95 322.65 347.10 53 255.18 280.68 306.00 331.04 355.79 54 262.35 288.31 313.99 339.37 364.42 55 269.52 295.88 321.93 347.63 372.98 56 276.63 303.39 329.80 355.84 381.47 57 283.65 310:81 337.59 363.94 389.84 58 290.58 318.14 345.27 371.93 398.09 59 297.42 325.37 352.84 379.80 406.22 60 304.18 332.51 360.32 387.58 414.26 61 310.87 339.58 367.72 395.26 422.19 62 317.50 346.58 375.05 402.87 430.07 63 324.07 353.51 382.30 410.44 437.87 64 330.57 360.40 389.53 417.94 445.58 65 337.08 367.27 396.72 425.37 453.27 COMB. EXP. TERMINAL RESERVES 4% Ordinary Life FULL PRELIMINARY TERM YEARS. Age l6 17 i8 19 ■20 ai 20 123.22 133.73 144.62 155.83 167.43 179.43 21 128.09 139.03 150.33 162.01 174.08 186.57 22 133.19 144.56 156.32 168.48 181.05 194.03 23 138.52 150.36 162.61 175.27 188.34 201.80 24 144.12 156.45 169.20 182.38 195.94 209.84 25 149.99 162.84 176.12 189.78 203.79 218.13 26 156.17 169.55 183.32 197.44 211.89 226.62 27 162.65 176.53 190.78 205.35 220.20 235.31 28 169.41 183.78 198.47 213.45 228.70 244.20 29 176.42 191.25 206.36 221.75 237.39 253.29 30 183.65 198.90 214.44 230.22 246.28 262.57 31 191.06 206.74 222.69 238.90 255.35 272.02 32 198.65 214.75 231.13 247.75 264.59 281.64 33 206.39 222.94 239.74 256.76 273.99 291.42 34 214.30 231.28 248.50 265.92 283.54 301.35 35 222.36 239.77 257.40 275.22 293.23 311.42 36 * 230.54 248.38 266.42 284.66 303.06 321.60 Z7 238.83 257.10 275.56 294.20 312.98 331.91 38 247.22 265.93 284.82 303.84 323.03 342.33 39 255.70 274.85 294.14 313.59 ZZZ.\7 352.84 40 264.25 283.82 303.56 323.42 343.37 363.37 41 272.83 ^92.87 313.03 333.30 353.59 373.90 42 281.47 301.96 322.55 343.18 363.81 384.39 43 290.19 311.13 332.10 353.08 374.01 394.86 44 299.01 320.35 341.69 362.99 384.21 405.30 45 307.89 329.62 351.31 372.92 394.39 415.71 46 316.86 338.96 360.98 382.86 404.58 426.07 47 325.89 348.34 370.66 392.81 414.72 436.37 48 334.98 357.75 380.36 402.72 424.81 446.62 49 344.07 367.16 389.99 412.56 434.83 456.79 50 353.18 376.52 399.58 422.34 444.79 466.88 51 362.24 385.83 409.11 432.07 454.66 476.87 52 371.25 395.09 418.59 441.72 464.45 486.76 53 380.21 404.29 427:99 451.28 474.14 496.55 54 389.11 413.41 437.30 460.74 483.72 506.21 55 397.92 422.44 446.50 470.08 493.17 515.79 56 406.65 431.37 455.60 479.31 502.50 525.16 57 415.26 440.17 464.56 488.40 511.71 534.43 58 423.74 448.84 473.39 497.37 520.76 543.52 59 432.09 457.38 482.10 506.20 529.65 552.49 60 440.34 465.83 490.69 514.88 538.44 561.38 61 448.51 474.18 499.15 523.47 547.16 570.31 62 456.60 482.40 507.54 532.02 555.95 579.44 63 464.57 490.57 515.90 540.65 564.95 588.90 64 472.50 498.73 524.36 549.52 574.33 598.93 65 480.45 507.01 533.10 558.81 584.31 609.61 10 ^EXP^ TERMINAL RESERVES 4% 20 Payment Life FULL PRELIMINARY TERM YEARS Age I 2 3 A 5 20 0.00 13.50 27.57 42.20 57.45 21 0.00 13.83 28.22 43.21 58.81 22 0.00 14.16 28.90 44.24 60.22 23 0.00 14.50 29.60 45.31 61.67 24 0.00 14.86 30.32 46.42 63.16 25 0.00 15.22 31.07 47.55 64.70 26 0.00 15.60 31.83 48.71 66.27 27 0.00 15.99 32.61 49.91 67.90 28 0.00 16.38 33.42 51.14 69.57 29 0.00 16.79 34.25 52.41 71.30 30 0.00 17.22 35.11 53.72 73.09 31 0.00 17.65 36.00 55.09 74.94 32 0.00 18.10 36.93 56.51 76.87 33 0.00 18.58 37.89 57.98 78.88 34 0.00 19.07 38.89 59.52 80.97 35 0.00 19.58 39.95 61.13 83.16 36 0.00 20.13 41.05 62.82 85.47 Z7 0.00 20.69 42.20 64.59 87 88 38 0.00 21.29 43.43 66.46 90.41 39 0.00 21.92 44.72 68.41 93.00 40 0.00 22.58 46.05 70.39 95.58 41 0.00 23.27 47.39 72.34 98.13 42 0.00 23.93 48.68 74.24 100.58 43 0.00 24.57 49.93 76.05 102.95 44 0.00 25.20 51.12 77.81 105.26 45 0.00 25.77 52.27 79.52 107.54 46 0.00 26.36 53.43 81.25 109.83 47 0.00 26.94 54.60 82.98 112.12 48 0.00 27.54 55.78 84.73 114.41 49 0.00 28.13 56.95 86.46 116.67 50 0.00 28.73 58.12 88.18 118.95 51 0.00 29.33 59.29 89 92 121.23 52 0.00 29.92 60.48 91.67 123.51 53 0.00 30.55 61.69 93.43 125.84 54 0.00 31.16 62.89 95.22 128.18 55 0.00 31.79 64.14 97.06 130.56 56 0.00 32.46 65.43 98.93 132.92 57 0.00 33.13 66.73 100.76 135.23 58 0.00 33.81 68.00 102.55 137.47 59 0.00 34.45 69.22 104.27 139.63 60 0.00 35.10 70.42 105.97 141.74 COMB. TERMINAL RESERVES EXP. 20 Payment Life FULL PRELIMINARY TERM 11 4% Age 6 20 73.32 21 75.06 22 76.85 23 78.70 24 80.60 25 82.55 26 84.56 27 86.62 28 88.75 29 90.96 30 93.24 31 95.60 32 98.07 33 100.63 34 103.31 35 106.11 36 109.05 37 112.12 38 115.27 39 118.46 40 121.63 41 124.73 42 127.73 43 130.65 44 133.52 45 136.36 46 139.19 47 142.02 48 144.84 49 147.65 50 150.45 51 153.25 52 156.07 53 158.92 54 161.78 55 164.61 56 167.42 57 170.13 58 172.77 59 175.29 YEARS 7 8 9 lO 89.86 107.09 125.03 143.72 91.98 109.60 127.96 147.09 94.17 112.21 130.99 150.56 96.43 114.88 134.11 154.13 98.74 117.64 137.31 157.81 101.13 120.47 140.62 161.61 103.58 123.39 144.02 165.51 106.11 126.40 147.53 169.55 108.72 129.50 151.16 173.72 111.41 132.72 154.92 178.04 114.21 136.05 158.81 182.53 117.11 139.51 162.85 187.19 120.14 143.12 167.08 192.05 123.28 146.88 171.47 197.09 126.57 150.80 176.03 202.28 130.00 154.88 180.74 207.58 133.60 159.10 185.55 212.98 137.28 163.38 190.42 218.39 141.04 167.72 195.29 223.82 144.81 172.03 200.15 229.22 148.52 176.28 : 204.95 234.58 153.16 180.49 209.72 239.90 155.71 184.57 214.35 245.08 159.19 188.61 218.93 250.22 162.61 192.58 223.44 255.26 166.00 196.50 227.90 260.26 169.37 200.40 232.34 265.23 172.73 204.29 236.74 270.15 176.08 208.16 241.12 275.06 179.40 211.98 245.47 279.91 182.71 215.81 249.80 284.73 186.04 219.64 254.11 289.47 189.37 223.45 258.34 294.10 192.72 227.22 262.51 298.62 196.01 230.92 266.54 302.98 199.26 234.52 270.48 307.19 202.44 238.04 274.27 311.21 205.51 241.40 277.87 315.00 208.47 244.61 281.28 318.56 211.27 247.64 284.46 321.85 60 \77.7l 213.97 250.52 287.47 324.97 12 COMB. EXP. TERMINAL RESERVES 4% 20 Payment Life FULL PRELIMINARY TERM YEARS Age II 1:3 13 14 '5 20 163.20 183.51 204.67 226.74 249.77 21 167.01 187.78 209.43 232.02 255.57 22 170.95 192.20 214.36 237.47 261.58 23 175.00 196.75 219.42 243.08 267.77 24 179.17 201.44 224.66 248.88 274.16 25 183.48 206.28 230.06 254.87 280.77 26 187.91 211.27 235.63 261.05 287.59 27 192.50 216.43 241.40 267.46 294.67 28 197.24 221.77 247.36 274.08 301.96 29 202.16 227.31 253.56 280.94 309.48 30 207.26 233.06 259.97 288.00 317.18 31 212.56 239.02 266.56 295.22 325.03 32 218.07 245.16 273.33 302.61 333.01 33 223.74 251.44 280.21 310.07 341.08 34 229.53 257.83 287.17 317.61 349.22 35 235.43 264.28 294.20 325.22 357.44 36 241.38 270.80 301.28 332.90 365.73 Z7 247.34 277.32 308.38 340.60 374.03 38 253.32 283.87 315.51 348.32 382.37 39 259.29 290.40 322.63 356.03 390.70 40 265.20 296.89 329.69 363.68 398.97 41 271.08 303.33 336.71 371.31 407.23 42 276.82 309.63 343.60 378.80 415.34 43 282.51 315.89 350.43 386.24 423.44 44 288.11 322.05 357.17 393.59 431.43 45 293.65 328.14 363.85 400.88 439.35 46 299.15 334.20 370.48 408.10 447.17 47 304.62 340.21 377.04 415.20 454.85 48 310.04 346.16 383.49 422.17 462.36 49 315.39 351.98 389.78 428.94 469.66 50 320.65 357.68 395.91 435.54 476.74 51 325.81 363.23 401.87 441.91 483.57 52 330.80 368.59 407.59 448.01 490.09 53 335.66 373.77 413.09 453.85 496.32 54 340.32 378.69 418.29 459.34 502.17 55 344.77 383.38 423.20 464.51 507.68 56 349.00 z^y.'j^ 427.79 469.35 512.82 57 352.94 391.86 432.05 473.80 517.54 58 356.61 395.67 435.97 477.89 521.86 59 360.01 399.14 439.53 481.55 525.72 60 363.18 402.34 442.76 484.85 529.15 13 TERMINAL RESERVES 1^% COMB. EXP. 20 Payment Life FULL PRELIMINARY TERM YEARS Age l6 17 i8 19 30 20 273.80 298.88 325.08 352.44 381.04 21 280.16 305.83 332.64 360.66 389.96 22 286.75 313.03 340.48 369.18 399.18 23 293.53 320.45 348.57 377.97 408.71 24 300.55 328.13 356.95 . 387.06 418.52 25 307.82 336.08 365.00 396.42 428.57 26 315.31 344.27 374.48 405.99 438.86 27 323.08 352.71 383.60 415.81 449.35 28 331.04 361.33 392.89 425.76 460.02 29 339.21 370.16 402.37 435.91 470.88 30 347.55 379.12 411.99 446.21 481.99 31 356.01 388.22 421.74 456.67 493.11 32 364.61 397.46 431.66 467.29 504.46 33 373.29 406.79 441.66 478.02 515.95 34 - 382.06 416.21 451.77 488.85 527.57 35 390.91 425.72 461.98 499.79 539.31 36 399.83 435.31 472.27 510.84 551.16 37 408.78 444.92 482.59 521.93 563.10 38 417.75 454.58 492.98 533.10 575.14 39 426.73 > 464.25 503.39 544.34 587.26 40 435.66 473.88 513.79 555.57 599.43 41 444.59 483.53 524.23 566.87 611.63 42 453.39 493.06 534.55 - 578.05 623.83 43 462.17 502.59 544.87 589.25 636.00 44 470.84 511.98 555.05 600.31 648.12 45 479.42 521.26 565.12 611.30 660.17 46 487.88 530.42 575.07 622.17 672.12 47 496.17 539.40 584.85 632.88 683.97 48 504.29 548.20 594.44 643.42 695.65 49 512.15 556.72 603.75 653.70 707.19 50 519.79 565.01 612.82 663.78 718.57 51 527.15 573.01 621.62 673.62 729.76 52 534.16 580.65 630.09 683.16 740.77 53 540.87 587.99 638.26 692.46 751.57 "54 547.20 594.94 646.05 701.41 762.15 55 553.15 601.50 653.46 710.03 772.51 56 558.71 607.65 660.49 718.32 782.65 57 563.82 613.35 667.06 726.22 792.54 58 568.50 618.60 673.22 733.7S 802.20 59 572.68 623.33 678.87 740.89 811.59 60 576.40 627.60 684.05 747.57 820.74 14 COMB. EXP. 15 Payment Life FULL PRELIMINARY TERM TERMINAL RESERVES /^% YEARS Age I 3 3 4 5 • 20 0.00 18.17 37.13 56.89 77.51 21 0.00 18.58 37.96 58.17 79.25 22 0.00 19.00 38.81 59.48 81.03 23 0.00 19.44 39.70 60.84 82.88 24 0.00 19.89 40.62 62.23 84.77 25 0.00 20.35 41.56 63.67 86.73 26 0.00 20.82 42.52 65.15 88.74 27 0.00 21.31 43.52 66.66 90.80 28 0.00 21.81 44.54 68.23 92.93 29 0.00 22.32 45.59 69.84 95.12 30 0.00 22.86 46.67 71.50 97.38 31 0.00 23.40 47.78 73.20 99.71 32 0.00 23.97 48.94 74.98 102.13 33 0.00 24.55 50.14 76.81 104.63 34 0.00 25.16 51.37 78.71 107.23 35 0.00 25.79 52.67 80.69 109.93 36 0.00 26.45 54.01 82.75 112.74 37 0.00 27.13 55.40 84.90 115.68 38 0.00 27.84 56.87 87.15 118.73 • 39 0.00 28.60 58.41 89.49 121.84 40 0.00 29.38 59.99 91.85 124.97 41 0.00 30.19 61.58 94.20 128.07 42 0.00 30.98 63.13 96.50 131.09 43 0.00 31.74 64.64 98.72 134.03 44 0.00 32.48 66.09 100.88 136.91 45 0.00 33.18 67.49 102.99 139.75 46 0.00 33.88 68.89 105.11 142.58 47 0.00 34.57 70.29 107.21 145.39 48 0.00 35.27 71.67 109.28 148.16 49 0.00 35.96 73.05 111.35 150.91 50 0.00 36.63 74.40 113.36 153.62 51 0.00 37.30 75.72 115.36 156.27 52 0.00 37.95 77.04 117.32 158.89 53 0.00 38.62 78.35 119.26 161.49 54 0.00 39.26 79.62 121.19 164.05 55 0.00 39.89 80.90 123.08 166.56 56 0.00 40.55 82.18 124.98 169.00 57 0.00 41.19 83.44 126.77 171.31 58 0.00 41.82 84.61 128.45 173.44 59 0.00 42.38 85.68 129.98 175.41 60 0.00 42.92 86.69 131.41 177.21 15 COMB. EXP. TERMINAL RESERVES 4% 15 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 99.03 121.41 144.90 169.35 194.88 21 101.24 124.18 148.13 173.12 199.20 22 103.52 126.98 151.46 177.00 203.67 23 105.87 129.85 154.88 181.00 208.27 24 108.29 132.81 158.41 185.12 213.01 25 110.78 135.87 162.04 189.37 217.90 26 113.34 139.00 165.78 193.74 222.93 27 115.98 142.24 169.65 198.26 228.14 28 118.69 145.57 173.62 202.91 233.51 29 121.49 149.01 177.73 207.72 239.05 30 124.39 152.56 181.98 212.70 244.79 31 127.36 156.22 186.35 217.82 250.71 32 130.46 160.03 190.90 223.16 256.87 33 . 133.66 163.96 195.61 228.67 263.22 34 136.98 168.05 200.50 234.39 269.76 35 140.45 172.31 205.57 240.27 276.44 36 144.05 176.72 210.78 246.27 283.24 37 147.78 181.25 216.09 252.37 290.11 38 151.62 185.85 221.47 258.50 297.02 39 155.50 ' 190.49 226.85 264.64 303.96 40 159.39 195.11 232.21 270.78 310.91 41 163.20 199.66 237.53 276.89 317.84 42 166.95 204.15 242.79 282.95 324.74 43 170.62 208.59 248.00 288.97 331.60 44 174.25 212.97 253.17 294.94 338.40 45 177.82 217.30 258.27 300.84 345.16 46 181.39 221.61 263.34 306.73 351.90 47 184.92 225.87 268.38 312.56 358.56 48 188.38 230.07 273.33 318.30 365.16 49 191.85 234.25 278.25 324.02 371.73 50 195.24 238.35 283.10 329.65 378.19 51 198.57 242.39 287.88 335.19 384.51 52 201.87 246.38 292.57 340.59 390.67 53 205.13 250.30 297.15 345.85 396.64 54 208.32 254.10 301.56 350.90 402.39 55 211.39 257.74 305.76 355.71 407.86 56 214.37 261.23 309.79 360.29 413.06 57 217.15 264.50 313.54 364.56 417.91 58 219.74 267.51 316.98 368.48 422.37 59 222.09 270.23 320.10 372.00 426.40 60 224.23 272.69 322.87 375.16 430.04 16 COMB. EXP. TERMINAL RESERVES 4% 15 Payment Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 21 22 23 24 221.53 226.45 231.52 236.74 242.13 249.37 254.90 260.61 266.50 272.56 278.45 284.62 291.01 297.58 304.37 308.83 315.69 322.78 330.08 337.63 340.60 348.17 355.99 364.07 372.41 25 26 27 28 29 247.70 253.43 259.36 265.48 271.79 278.84 285.30 291.99 298.89 306.03 311.39 318.63 326.11 333.85 341.85 345.43 353.48 361.82 370.43 379.32 381.04 389.96 399.18 408.71 418.52 30 31 32 33 34 278.34 285.10 292.10 299.29 306.65 313.43 321.05 328.91 336.93 345.13 350.13 358.61 367.33 376.21 385.25 388.49 397.85 407.46 417.20 427.13 428.57 438.86 449.35 460.02 470.88 35 36 37 38 39 314.15 321.74 329.41 337.14 344.91 353.45 361.86 2>70.?>7 378.96 387.61 394.42 403.71 413.11 422.60 432.18 437.20 447.41 457.75 468.21 478.77 481.91 493.11 504.46 515.95 527.57 40 41 42 43 44 352.71 360.50 368.27 376.01 383.72 396.30 404.99 413.68 422.37 431.04 441.81 451.47 461.16 470.87 480.57 489.41 500.12 510.89 521.70 532.55 539.31 551.16 563.10 575.14 587.26 45 46 47 48 49 391.37 399.01 406.60 414.10 421.58 439.66 448.29 456.87 465.36 473.80 490.26 499.97 509.63 519.19 528.71 543.42 554.31 565.16 575.92 586.66 599.43 611.63 623.83 636.00 648.12 50 51 52 53 54 428.91 436.08 443.06 449.84 456.37 482.09 490.20 498.11 505.81 513.24 538.06 547.25 556.24 565.02 573.53 597.26 607.70 617.97 628.06 637.91 660.17 672.12 683.97 695.65 707.19 55 56 57 58 59 462.58 468.50 474.04 479.17 483.87 520.34 527.13 533.54 539.55 545.11 581.72 589.61 597.16 604.32 611.06 647.47 656.80 665.84 674.54 682.88 718.57 729.76 740.77 751.57 762.15 60 488.13 550.23 617.36 690.87 772.51 17 COMB. EXP. TERMINAL RESERVES 4% 10 Payment Life FULL PRFl.IMINARY TERM YEARS Age I 1 3 4 5 20 0.00 28.33 57.93 88.85 121.16 21 0.00 28.93 59.15 90.72 123.72 22 0.00 29.54 60.40 92.65 126.35 23 0.00 30.18 61.70 94.64 129.07 24 0.00 30.84 63.04 96.70 131.87 25 0.00 31.51 64.42 98.81 134.75 26 0.00 32.21 65.84 100.99 137.72 27 0.00 32.92 67.31 103.24 140.78 28 0.00 33.66 68.82 105.55 143.94 29 0.00 34.42 70.37 107.93 147.19 30 0.00 35.20 71.97 110.39 150.55 31 0.00 36.00 73.61 112.92 154.01 32 0.00 36.83 75.32 115.54 157.59 33 > 0.00 37.69 77.05 118.22 161.27 34 0.00 38.57 78.88 121.03 165.10 35 0.00 39.49 80.77 123.92 169.06 d>6 0.00 40.44 82.70 126.90 173.15 2>7 0.00 41.42 84.71 130.00 177.38 38 0.00 42.44 86.81 133.22 181.77 39 0.00 43.50 88.99 136.55 186.27 40 0.00 44.60 91.23 139.94 190.82 41 0.00 45.74 93.50 143.35 195.39 42 0.00 46.86 95.74 146.74 199.92 43 0.00 47.97 97.97 150.08 204.43 44 0.00 49.06 100.15 153.39 208.92 45 0.00 50.11 102.29 156.67 213.40 46 0.00 51.17 104.44 159.96 217.88 47 0.00 52.22 106.58 163.24 222.37 48 0.00 53.27 108.73 166.52 226.84 49 0.00 54.31 110.85 169.77 231.27 50 0.00 55.34 112.94 172.97 235.67 51 0.00 56.35 115.00 176.15 240.01 52 0.00 57.34 117.03 179.27 244.30 53 0.00 58.33 119.03 182.34 248.55 54 0.00 59.28 120.98 185.37 252.72 55 0.00 60.20 122.90 188.34 256.82 56 0.00 61.14 124.80 191.25 260.79 57 0.00 62.03 126.62 194.02 264.58 58 0.00 62.89 128.33 196.63 268.16 59 0.00 63.66 129.90 199.04 271.50 60 0.00 64.38 131.35 201.27 274.60 18 COMB TERMINAL RESERVES A% 10 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 154.94 190.25 227.17 265.78 306.17 21 158.21 194.26 231.96 271.39 312.62 22 161.57 198.39 236.89 277.16 319.29 23 165.03 202.65 241.98 283.12 326.17 24 168.63 207.05 247.24 289.28 333.27 25 172.31 211.59 252.66 295.63 340.60 26 176.12 216.26 25825 302.19 34817 27 180.03 221.08 264.02 308.95 355.99 28 184.08 226.06 269.97 315.94 364.07 29 188.25 231.19 276.12 323.16 372.41 30 192.55 236.48 282.47 330.61 381.04 31 196.99 241.96 289.03 33831 389.96 32 201.58 247.61 295.80 346.28 399.18 33 206.30 253.43 302.79 354.50 408.71 34 211.22 259.50 310.06 363.03 41852 35 216.30 265.76 317.56 371.79 428.57 36 221.55 272.22 325.25 380.75 438.86 37 226.97 278.85 333.12 389.90 449.35 38 232.55 285.63 341.15 399.22 460.02 39 238.22 292.52 349.28 408.67 470.88 40 243.96 299.47 357.50 418.25 481.91 41 249.70 306.44 365.79 427.93 493.11 42 255.44 313.45 374.15 437.73 504.46 43 261.17 320.48 382.56 447.63 515.95 44 266.91 327.54 391.03 457.61 527.57 45 272.65 334.62 399.53 467.66 539.31 46 278.40 341.71 408.07 477.78 551.16 47 284.15 348.81 416.65 487.95 563.10 48 289.88 355.92 425.24 498.17 575.14 49 295.60 363.01 433.82 508.43 587.26 50 301.26 370.05 442.40 51870 599.43 51 306.87 377.06 450.94 528.96 611.63 '52, 312.44 384.02 459.45 539.19 623.83 53 317.95 390.92 467.88 549.35 636.00 54 323.38 397.70 476.18 559.41 648.12 55 328.67 404.32 484.33 569.34 660.17 56 333.80 410.77 492.29 579.11 672.12 57 338.72 416.99 500.04 588.69 683.97 58 343.40 422.94 507.52 598.04 695.65 59 347.81 428.60 514.70 607.13 707.19 60 351.91 433.93 521.56 615.95 71857 19 COMB. TERMINAL RESERVES A% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 33.87 69.27 106.27 144.96 21 0.00 33.86 69.25 106.24 144.91 22 0.00 33.85 69.23 106.20 144.86 23 0.00 33.84 69.21 106.16 144.80 24 0.00 33.83 69.18 106.12 144.74 25 0.00 33.82 69.15 106.07 144.67 26 0.00 33.81 69.12 106.02 144.59 27 0.00 33.79 69.08 105.97 144.51 28 0.00 33.77 69.05 105.91 144.43 29 0.00 33.76 69.02 105.86 144.36 30 0.00 33.75 68.99 105.82 144.30 31 0.00 33.74 68.97 105.78 144.25 32 0.00 33.73 68.97 105.76 144.24 33 0.00 33.74 68.98 105.78 144.26 34 0.00 33.76 69.01 105.83 144.33 35 0.00 33.79 69.08 105.93 144.46 36 0.00 33.84 69.17 106.08 144.66 37 0.00 33.91 69.30 106.29 144.94 38 0.00 34.00 69.49 106.57 145.29 39 0.00 34.12 69.73 106.91 145.70 40 0.00 34.26 70.01 107.28 146.07 41 0.00 34.42 70.27 107.60 146.42 42 0.00 34.56 70.50 - 107.86 146.63 43 0.00 34.68 70.68 108.04 146.79 44 0.00 34.78 70.81 108.16 146.89 45 0.00 34.86 70.89 108.25 146.96 46 0.00 34.92 71.00 108.35 147.04 47 0.00 34.98 71.10 108.47 147.13 48 0.00 35.06 71.23 108.61 147.24 49 0.00 35.15 71.38 108.77 147.37 50 0.00 35.25 71.54 108.95 147.53 51 0.00 35.36 71.72 109.16 147.73 52 0.00 35.49 71.94 109.42 147.99 53 . 0.00 35.64 72.20 109.74 148.33 54 0.00 35.81 72.50 110.13 148.75 55 0.00 36,01 72.86 110.60 149.27 56 0.00 36.26 73.29 111.17 149.86 57 0.00 36.54 73.78 111.76 150.48 58 0.00 36.85 74.09 112.34 151.09 59 0.00 37.13 74.77 112.96 151.71 60 0.00 37.44 75.29 113.59 152.36 20 COMB. TERMINAL RESERVES 20 Year Endowment FULL PRELIMINARY TERM 4% YEARS Age 6 7 8 9 lO 20 185.42 227.74 272.02 318.35 366.84 21 185.36 227.66 271.91 318.22 366.69 22 185.29 227.57 271.79 318.08 366.52 23 185.21 227.46 271.66 317.93 366.35 24 185.12 227.35 271.52 317.76 366.16 25 185.02 227.23 271.37 317.58 365.96 26 184.92 227.10 271.21 317.40 365.74 27 184.82 226.97 271.05 317.22 365.54 28 184.71 226.83 270.89 317.04 . 365.33 29 184.62 226.71 270.75 316.88 365.15 30 184.54 226.62 270.64 316.75 365.01 31 184.48 225.56 270.57 316.67 364.93 32 184.46 226.54 270.55 316.65 364.92 33 184.49 226.58 270.60 316.71 364.99 34 184.58 226.69 270.74 316.85 365.12 35 184.75 226.89 270.96 317.06 365.29 36 185.01 227.17 271.25 317.31 365.48 37 185.34 227.51 271.59 317.58 365.63 38 185.72 227.92 271.91 317.81 365.74 39 186.13 228.28 272.18 317.98 365.79 40 186.49 228.57 272.38 318.08 365.76 41 186.77 228.77 272.49 318.08 365.63 42 186.95 228.87 272.50 317.98 365.39 43 187.05 228.89 272.42 317.78 365.05 44 187.10 228.85 272.28 317.51 364.63 45 187.11 228.78 272.10 317.18 364.16 46 187.14 228.72 271.90 316.87 363.67 47 187.17 228.65 271.72 316.53 363.16 48 187.22 228.60 271.55 316.21 362.69 49 187.29 228.58 271.40 315.91 362.24 50 187.39 228.60 271.30 315.65 361.80 51 187.54 228.67 271.26 315.44 361.36 52 187.76 228.82 271.29 315.26 360.92 53 188.08 229.05 271.37 315.11 360.49 54 188.48 229.34 271.47 314.97 360.04 55 188.95 229.68 271.69 314.83 359.57 56 189.46 230.05 271.75 314.68 359.06 57 189.99 230.44 271.89 314.50 358.50 58 190.53 230.81 272.01 314.28 357.87 59 191.08 231.18 272.11 314.03 357.19 60 191.65 231.57 . 272.21 313.75. 356.48 21 ^ExT TERMINAL RESERVES A% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age IX 12 13 14 15 20 417.60 470.76 526.44 584.79 645.95 21 417.43 470.57 526.24 584.58 645.75 22 417.24 470.37 526.02 584.36 645.53 23 417.04 470.15 525.78 584.12 645.29 24 416.83 469.92 525.54 583.87 645.04 25 416.61 469.68 525.29 583.61 644.79 26 416.38 469.43 525.02 583.35 644.54 27 416.15 469.19 524.78 583.11 644.31 28 415.93 468.97 524.56 582.89 644.09 29 415.74 468.78 524.37 582.69 643.89 30 415.60 468.63 524.22 582.52 643.69 31 415.52 468.54 524.11 582.38 643.50 32 415.50 468.50 524.02 582.23 543.29 33 415.54 468.49 523.95 582.07 643.06 34 415.62 468.49 523.86 581.89 642.80 35 415.73 468.48 523.74 581.68 642.51 36 415.80 468.44 523.59 581.42 642.17 37 415.83 468.35 523.39 581.11 641.78 38 415.81 468,20 523.13 580.74 641.32 39 415.73 ' 468.01 522.80 580.29 640.78 40 415.57 467.71 522.37 579.74 640.14 41 415.31 467.28 521.82 579.07 639.36 42 41494 466.76 521.15 • 578.28 638.48 43 414.46 466.13 520.37 577.38 637.51 44 413.89 465.41 519.50 576.39 636.42 45 413.25 464.63 518.56 575.33 635.26 46 412.58 463.81 517.58 574.20 634.02 47 411.92 462.96 516.55 573.00 632.68 48 411.27 462.09 515.47 571.72 631.24 49 410.60 461.22 514.35 570.35 629.69 50 409.92 460.27 513.12 568.89 628.03 51 409.22 459.26 511.84 567.32 626.24 52 408.49 458.22 510.47 565.63 624.29 53' 407.74 457.11 509.00 563.82 622.17 54 406.94 455.92 507.41 561.86 619.87 55 406.07 454.63 505.68 55P.72 617.39 56 405.13 453.24 503.82 557.43 614.76 57 404.12 451.74 501.83 554.97 611.88 58 403.02 450.13 499.71 552.34 608.83 59 401.85 448.43 497.46 549.55 605.57 60 400.64 446.66 495.10 546.61 602.10 9.9. COMB. EXP. TERMINAL RESERVES 4% 20 Year Endowment FULL PRF.MMINARY TERM YEARS Age i6 17 l8 19 20 710.09 777.38 847.99 922.13 21 709.90 777.21 847.86 922.05 23 709.69 777.02 847.71 921.97 23 709.46 776.82 847.56 921.88 24 707.23 . 776.62 847.41 921.79 25 709.00 776.42 847.26 921.70 26 708.77 776.21 847.09 921.59 27 708.55 776.02 846.93 921.50 28 708.33 775.81 846.76 921.38 29 708.13 775.61 846.57 921.26 30 707.91 775.38 846.36 921.12 31 707.68 775.13 846.14 920.97 32 707.42 774.86 845.89 920.80 33 707.14 774.56 845.62 920.63 34 706.83 774.24 845.33 920.45 35 706.49 773.89 845.01 920.25 36 706.10 773.49 844.65 920.01 37 705.64 773.02 844.23 919.74 38 705.12 772.48 843.77 919.44 39 704.52 771.86 843.25 919.11 40 703.83 771.18 842.68 918.75 41 703.03 770.42 842.00 918.34 42 702.12 769.56 841.27 917.87 43 701.10 768.58 840.47 917.34 44 699.98 767.50 839.54 916.76 45 698.77 766.33 838.54 916.13 46 697.46 765.06 837.45 915.44 47 696.04 763.67 836.26 914.68 48 694.51 762.17 834.97 913.86 49 692.86 760.54 833.56 912.96 50 691.08 758.77 832.02 911.97 51 689.14 756.85 830.35 910.89 52 687.03 754.76 828.53 909.70 53 684.74 752.49 826.55 908.41 54 682.27 750.01 824.39 907.02 55 679.59 747.35 822.02 905.49 56 676.69 744.42 819.45 903.81 57 673.57 741.29 816.70 901.97 58 670.22 737.90 813.68 899.95 59 666.63 734.24 810.39 897.75 60 662.81 730.31 806.85 895.35 23 COMB. EXP. TERMINAL RESERVES 4% 15 Year Endowment FULL PRELIMINARY TERM YEARS Age I 3 3 4 5 20 0.00 52.07 106.54 163.53 223.17 21 0.00 52.05 106.50 163.47 223.09 22 0.00 52.03 106.46 163.40 223.00 23 0.00 52.01 106.41 163.33 222.91 24 0.00 51.99 106.36 163.26 222.81 25 0.00 51.96 106.31 163.18 222.70 26 0.00 51.93 106.25 163.09 222.58 27 0.00 51.90 106.19 162.99 222.45 28 0.00 51.86 106.12 162.88 222.31 29 0.00 51.82 106.04 162.77 222.16 30 0.00 51.78 105.96 162.65 222.00 31 0.00 51.74 105.88 162.53 221.84 32 0.00 51.70 105.80 162.41 221.69 33 0.00 51.66 105.72 162.30 221.55 34 0.00 51.63 105.65 162.21 221.43 35 0.00 51.61 105.60 162.14 221.34 36 0.00 51.59 105.57 162.10 221.29 37 0.00 51.59 105.56 162.10 221.29 38 0.00 51.61 105.59 162.14 221.34 39 0.00 51.64 105.66 162.22 221.42 40 0.00 51.69 105.77 162.32 221.46 41 0.00 51.75 105.84 162.37 221.44 42 0.00 51.78 105.87 162.34 221.32 43 0.00 51.79 105.84 162.21 221.08 44 0.00 51.77 105.74 162.00 220.75 45 0.00 51.72 105.59 161.74 220.36 46 0.00 51.65 105.42 161.45 219.93 47 0.00 51.56 105.23 161.13 219.47 48 0.00 51.47 105.03 160.79 218.96 49 0.00 51.37 . 104.81 160.42 218.41 50 0.00 51.27 104.57 160.02 217.82 51 0.00 51.16 104.31 159.60 217.20 52 0.00 51.05 104.05 159.16 216.56 53 • 0.00 50.93 103.78 158.70 215.92 54 0.00 50.81 103.52 158.25 215.28 55 0.00 50.70 103 28 157.83 214.63 56 0.00 50.61 103.06 157.45 213.95 •57 0.00 50.54 102.82 157.00 213.20 58 0.00 50.45 102.56 156.46 212.35 59 0.00 50.34 102.26 155.85 211.41 60 0.00 50.21 - 101.91 155.20 210.38 24 COMB TERMINAL RESERVES ^% 15 Year Endowment FULL PRELIMINARY TERM Age 678 9 10 20 285.61 350.97 419.42 491.11 566.22 21 285.51 350.85 419.29 490.97 566.08 22 285.40 350.72 419.15 490.81 565.93 23 285.28 350.58 419.00 490.64 565.76 24 285.15 350.43 418.83 490.46 565.57 25 285.01 350.27 418.65 490.26 565.37 26 284.86 350.10 418.46 490.05 565.15 27 284.70 349.91 418.25 489.83 564.92 28 284.53 349.71 418.02 489.59 564.67 29 284.35 349.50 417.78 489.34 564.41 30 284.16 349.28 417.53 489.08 564.15 31 283.96 349.06 417.28 488.83 563.90 32 283.77 348.85 417.05 488.60 563.67 33 283.60 348.66 416.85 488.39 563.46 34 283.46 348.48 416.69 488.21 563.26 35 283.36 348.39 416.56 488.05 563.07 36 283.31 348.32 416.45 487.91 562.86 37 283.30 348.27 416.36 487.74 562.62 38 283.31 348.25 416.25 487.53 562.32 39 283.35 348.18 416.08 487.25 561.95 40 283.32 348.03 415.82 486.89 561.49 41 283.19 347.78 415.44 486.42 560.93 42 282.94 347.41 414.94 485.83 560.27 43 282.58 346.93 414.34 485.13 559.50 44 282.12 346.35 413.64 484.32 558.61 45 281.58 345.68 412.84 483.41 557.62 46 281.04 344.98 412.00 482.41 556.54 47 280.37 344.15 411.01 481.32 555.37 48 279.70 343.31 409.99 480.15 554.11 49 278.98 342.40 408.91 478.91 552.76 50 278.20 341.40 407.76 477.59 551.31 51 277.38 340.40 406.54 476.19 549.76 52 276.54 339.33 405.25 474.70 548.10 53 275.68 338.23 403.89 473.10 546.30 54 274.79 337.08 402.44 471.37 544.36 55 273.86 335.81 400.87 469.50 542.25 56 272.86 334.47 399.16 467.47 539.94 5; 271.76 332.99 397.28 465.24 537.40 58 270.53 331.38 395.25 462.78 534.(^1 59 269.17 329.55 392.97 460.07 531.56 60 267.69 327.57 390.51 457.13 528.27 25 c^^« TERMINAL RESERVES A% 15 Year Endowment FULL PRELIMINARY TERM YEARS Age II 12 13 14 20 644.95 727.46 813.99 904.76 21 644.80 727.34 813.88 904.71 22 644.64 727.20 813.77 904.65 23 644.47 727.04 813.65 904.58 24 644.29 726.87 813.52 904.50 25 644.09 726.69 813.38 904.41 26 643.88 726.50 813.23 904.32 27 643.65 726.30 813.08 904.23 28 643.41 726.09 812.92 904.13 29 643.16 725.88 812.75 904.02 30 642.92 725.67 812.58 903.91 31 642.69 725.46 812.40 903.80 32 642.47 725.25 812.22 903.69 33 642.26 725.03 812.03 903.57 34 ~ 642.04 724.80 811.83 903.43 35 641.80 724.55 811.61 903.28 36 641.55 724.27 811.35 903.10 37 641.23 723.94 811.05 902.90 38 640.88 723.58 810.71 902.68 39 640.47 723.15 810.33 902.43 40 639.96 722.64 809.89 902.15 41 639.37 722.05 809.39 901.84 42 638.66 721.37 808.81 901.49 43 637.84 720.60 808.16 901.09 44 636.92 719.73 807.43 900.64 45 635.90 718.76 806.59 900.13 46 634.82 717.69 805.73 899.57 47 633.60 716.54 804.77 898.97 48 632.32 715.31 803.73 898.32 49 630.93 713.98 802.61 897.61 SO 629.41 712.53 801.38 896.83 51 627.79 710.96 800.03 895.97 52 626.03 709.26 798.56 895.03 53 624.15 707.40 796.96 894.01 54 622.07 705.37 795.22 892.90 55 619.83 703.16 793.32 891.69 56 617.38 700.74 791.20 890.33 57 614.68 698.07 788.90 888.86 58 611.68 695.13 786.38 887.22 59 608.45 691.93 783.59 885.42 60 604.93 688.48 780.59 883.47 26 COMB ScT* TERMINAL RESERVES £^% 10 Year Elndowment FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 91.66 187.62 288.10 393.32 21 0.00 91.63 187.56 288.02 393.23 22 0.00 91.60 187.50 287.94 393.13 23. 0.00 91.57 187.44 287.86 393.03 24 0.00 91.54 187.38 287.77 392.92 25 0.00 91.50 187.31 287.67 392.81 26 0.00 91.46 187.24 287.57 392.69 27 0.00 91.42 187.16 287.45 392.55 28 0.00 91.37 187.07 287.33 392.40 29 0.00 91.32 186.98 287.20 392.24 30 0.00 91.27 186.88 287.06 392.08 31 0.00 91.21 186.77 286.92 391.91 32 0.00 91.15 186.66 286.77 391.73 33 0.00 91.09 186.55 286.61 391.54 34 0.00 91.02 186.43 286.44 391.34 35 0.00 90.96 186.31 286.27 391.14 36 0.00 90.90 186.19 286.11 390.95 37 0.00 90.84 186.08 285.97 390.78 38 0.00 90.79 185.99 285.85 390.62 39 0.00 90.75 185.92 285.76 390.48 40 0.00 90.72 185.87 285.64 390.30 41 0.00 90.70 185.79 285.48 390.06 42 0.00 90.66 185.66 285.25 389.73 43 0.00 90.59 185.47 284.93 389.29 44 0.00 90.47 185.20 284.52 388.76 45 0.00 90.31 184.87 284.04 388.16 46 0.00 90.12 184.50 283.51 387.50 47 0.00 89.91 184.10 282.94 386.78 48 0.00 89.69 183.68 282.32 386.00 49 0.00 89.45 183.23 281.65 385.15 50 0.00 89.19 182.73 280.91 384.21 51 0.00 88.91 182.17 280.09 383.21 52 0.00 88.61 181.56 279.21 382.10 53 0.00 88.29 180.90 278.27 380.94 54 0.00 87.94 180.20 277.27 379.71 55 0.00 87.57 179.47 276.22 378.38 56 0.00 87.18 178.71 275.10 376.94 57 0.00 86.77 177.90 273.88 375.37 58 0.00 86.36 177.02 272.54 373.64 59 0.00 85.85 176.01 271.06 371.70 60 0.00 85.32 174.92 269.42 369.62 27 COMB. EXP. TERMINAL RESERVES 4% 10 Year Endowment FULL PRELIMINARY TERM YEARS Age 6 7 8 9 20 503.56 619.05 740.09 866.98 21 503.46 618.95 740.01 866.92 22 503.35 618.85 739.92 866.86 23 503.24 618.74 739.83 866.80 24 503.12 618.62 739.73 866.74 25 503.00 618.50 739.63 866.68 26 502.87 618.37 739.52 866.62 27 502.72 618.22 739.39 866.54 28 502.56 618.07 739.26 866.45 29 502.39 617.91 739.12 866.36 30 502.21 617.74 738.98 866.27 31 502.02 617.56 738.83 866.18 32 501.83 617.37 738.67 866.08 33 50] .63 617.17 738.51 865.98 34 - 501.42 616.97 738.35 865.88 35 501.21 616.77 738.18 865.78 36 501.01 616.58 738.01 865.67 37 500.82 616.38 737.82 865.54 38 500.63 616.16 737.61 865.39 39 500.42 615.91 7?i7.Z7 865.22 40 500.19 615.62 737.08 865.02 41 499.85 615.26 n6.7Z 864.79 42 499.44 614.81 736.33 864.52 43 498.93 614.28 735.86 864.21 44 498.33 613.67 735.33 863.86 45 497.65 612.99 7Z\.7Z 863.47 46 496.91 612.24 734.07 863.04 47 496.11 611.42 733.35 862.58 48 495.23 610.52 732.57 862.08 49 494.26 609.55 731.72 861.56 50 493.20 608.49 730.80 860.94 51 492.06 607.34 729.80 860.30 52 490.84 606.09 728.71 859.60 53 489.53 604.75 727.52 858.83 54 488.12 603.30 726.23 857.99 55 486.60 601.72 724.82 857.07 56 484.95 600.02 723.28 856.06 57 483.14 598.11 721.58 854.94 58 481.13 596.03 719.70 853.70 59 478.90 593.74 717.63 852.32 60 476.45 591.21 715.35 850.84 28 *KCp" TERMINAL RESERVES A% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. k'EARS Age I ' 2 3 4 5 20 71.63 139.17 202.26 260.46 313.35 21 73.03 141.94 206.35 265.85 319.99 22 74.50 144.85 210.66 271.52 326.94 23 76.04 147.92 215.23 277.52 334.29 24' 77.72 151.25 220.17 284.01 342.25 25 79.57 154.93 225.63 291.20 351.10 26 81.63 159.02 231.71 299.23 360.98 27 83.95 163.64 238.62 308.34 372.26 28 86.55 168.85 246.39 318.66 385.02 29 89.48 174.69 255.14 330.26 399.45 30 92.73 181.22 264.92 343.28 415.70 31 96.36 188.48 275.84 357.86 433.88 32 100.38 196.56 288.01 374.11 454.21 33 104.84 205.54 301.52 392.19 476.89 34 109.77 215.46 316.50 412.27 502.07 35 115.19 226.38 333.00 434.40 529.89 36 121.14 238.39 351.16 458.80 560.62 37 127.66 251.55 371.08 485.62 594.41 38 134.75 265.89 392.84 514.89 631.22 39 142.47 281.52 416.53 546.74 671.06 40 150.86 298.49 442.23 581.11 713.87 41 159.97 316.92 470.02 618.14 759.98 42 169.83 336.79 499.89 657.95 809.34 43 180.46 358.16 532.03 700.64 862.43 44 191.88 381.12 566.46 746.48 919.48 45 204.16 405.73 603.45 795.77 980.94 46 217.30 432.15 643.17 848.78 1047.07 47 231.39 460.46 685.80 905.68 1118.09 48 246.46 490.79 731.46 966.66 1194.24 49 262.53 523.13 780.19 1031.77 1275.57 50 279.60 557.49 831.97 1100.98 1362.19 51 297.68 593.89 886.85 1174.46 1454.16 52 316.75 632.32 944.87 1252.15 1551.49 53 336.81 672.78 1005.96 1334.01 1654.28 54 357.83 715.18 1070.03 1420.04 1762.30 55 379.76 759.46 1137.06 1510.05 1875.38 56 402.55 805.54 1206.82 1603.77 1993.08 57 426.13 853.21 1279.02 1700.73 2114.96 58 450.40 902.31 1353.35 1800.66 2240.69 59 475.26 952.58 1429.55 1903.19 2369.87 60 500.54 1003.75 1507.17 2007.75 2501.76 29 COMB. TERMINAL RESERVES £^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. y^EARS Ages 6 7 8 9 lO 20 360.47 401.25 435.13 461.44 479.52 21 368.24 41O07 444.84 471.93 490.56 22 376.39 419.29 455.03 482.88 502.13 23 384.99 429.05 465.77 494.47 514.32 24 394.34 439.63 477.48 507.08 527.67 25 404.72 451.46 490.56 521.29 542.85 26 416.39 464.75 505.37 537.48 56017 27 429.72 480.04 522.51 556.27 580.46 28 444.87 497.51 542.13 577.92 604.00 29 462.07 517.36 564.54 602.78 631.09 30 481.44 539.80 589.99 631.06 662.07 31 503.21 565.11 618.70 663.10 697.35 32 527.61 593.50 651.04 699.32 737.25 33 * 554.84 625.28 687.34 740.01 782.02 34 585.17 660.76 727.89 785.39 831.52 35 618.73 700.03 772.71 835.15 885.35 36 655.81 743.36 821.80 889.27 943.72 37 696.5^ 790.62 875.01 947.79 1006.34 38 740.61 841.52 932.20 1010.23 1073.31 39 788.09 896.24 993.29 1077.10 1145.07 40 839.06 954.66 1058.69 1148.73 1222.13 41 893.70 1017.48 1129.08 1226.04 1305.38 42 952.37 1084.99 1204.92 1309.41 1395.26 43 1015.53 1157.85 1286.84 1399.57 1492.56 44 1083.55 1236.35 1375.20 1496.89 1597.67 45 1156.86 1321.04 147058 1602.03 1711.62 46 1235.79 1412.29 1573.43 1715.73 1834.81 47 132061 1510.39 1684.28 1838.27 1967.82 48 1411.60 1615.89 1803.48 1970.25 2111.59 49 1509.00 1728.80 1931.25 2112.16 2266.23 50 1612.72 1849.19 2067.84 2263.91 2431.77 51 1722.96 1977.48 2213.45 2425.82 2608.17 52 1839.90 2113.58 2368.05 2597.57 2795.54 53 1963.42 2257.46 2531.34 2779.19 2993.78 54 2093.31 2408.64 2703.13 2970.38 3202.86 55 2229.21 2567.01 2883.20 3171.16 3422.70 56 2370.82 27.32.14 3071.28 3381.12 3652.94 57 2517.56 2903.54 3266.75 3599.65 3893.15 58 2669.18 3080.86 3469.27 3826.60 4143.09 59 2825.14 3263.52 3678.36 4061.37 4402.50 60 2984.59 345065 3892.96 4303.06 4670.62 30 . COMB. TERMINAL RESERVES A% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age II 12 13 14 15 20 488.54 478.73 476.10 452.72 416.59 21 499.98 499.25 487.49 463.74 426.79 22 511.88 511.30 499.46 475.22 437.51 23 524.49 524.13 512.14 487.49 449.06 24 538.42 538.29 526.29 501.36 462.19 25 554.26 554.60 542.82 517.70 478.00 26 572.54 573.61 562.21 537.17 497.26 27 594.15 596.23 585.58 561.04 521.12 28 619.31 622.80 613.35 589.56 549.72 29 648.47 653.86 645.93 623.05 582.77 30 682.02 689.65 683.44 661.08 619.68 31 720.27 730.42 725.65 703.25 660.38 32 763.48 775.98 772.24 749.56 704.26 33 811.49 826.07 823.24 799.52 751.75 34 864.09 880.73 878.21 853.52 803.08 35 921.08 939.33 937.27 911.52 858.40 36 982.33 1002.46 1000.92 974.25 918.24 37 1048.20 1070.37 1069.61 1041.96 982.89 38 1118.65 1143.21 1143.27 1114..S8 1052.17 39 1194.35 1221.48 1222.48 1192.69 1126.68 40 1275.68 1305.65 1307.69 1276.73 1207.27 41 1363.64 1396.78 1400.06 1368.35 1295.06 42 1458.72 1495.38 1500.46 1467.86 1390.71 43 1561.74 1602.68 1609.71 1576.47 1495.94 44 1673.45 1718.99 1728.41 1695.21 1611.09 45 1794.53 1845.34 1858.06 1825.02 1737.26 46 1925.69 1982.86 1999.26 1966.67 1874.52 47 2067.87 2132.00 2152.64 2120.14 2023.54 48 2221.64 2293.53 2318.44 2286.38 2184.98 49 2387.24 2467.19 2497.00 2465.43 2359.36 50 2564.23 2653.06 2688.12 2657.53 2546.50 51 2753.10 2851.48 2892.62 2863.22 2747.16 52 2953.80 3062.77 3110.57 3082.75 2961.88 53 3166.58 3287.01 3342.22 3316.70 3190,97 54 3391.24 3524.13 3587.81 3565.07 3435.18 55 3627.82 3774.47 3847.53 3828.79 3695.89 56 3876.23 4037.79 4121.76 4108.64 3973.36 57 4135.84 4313.98 4410.70 4404.35 4267.86 58 4406.93 4603.66 4714.72 4716.92 4580.65 59 4689.49 4906.55 5034.01 5046.75 4912.70 60 4982.39 5221.82 5367.81 5393.46 5263.49 31 COMB. TERMINAL RESERVES A% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age i6 17 i8 19 20 366.45 301.12 219.31 119.46 21 375.53 308.72 224.86 122.46 22 385.15 316.69 230.73 125.80 23 395.47 325.38 237.38 129.66 24 407.49 335.92 245.73 134.83 25 422.44 349.36 256.77 141.58 26 440.90 366.20 270.23 149.40 27 464.00 386.92 286.48 159.13 28 491.20 410.78 305.11 169.54 29 522.04 437.67 325.27 180.93 30 556.25 466.60 347.05 193.13 31 593.10 497.89 370.53 206.41 32 . 632.98 531.71 396.10 220.88 33 676.12 568.52 423.94 236.65 34 722.99 608.52 454.23 253.84 35 773.44 651.52 486.68 271.98 36 828.06 698.09 521.78 292.10 37 887.08 748.39 560.16 313.85 38 950.24 802.54 601.02 336.77 39 1018.58 860.84 645.07 362.06 40 1092.25 923.81 693.31 389.65 41 1172.84 993.62 747.02 420.98 42 1261.48 1070.51 806.54 455.11 43 1359.16 1155.66 871.98 493.00 44 1466.33 1248.49 943.53 534.07 45 1583.29 1350.13 1021.73 579.45 46 1710.86 1460.90 1107.47 629.13 47 1849.29 1581.60 1200.81 683.17 48 1999.82 1712.92 1302.58 742.58 49 2162.47 1854.98 1413.05 806.73 50 2337.16 2007.89 1531.59 875.67 51 2524.98 2172.28 1659.70 951.12 52 2726.10 2349.12 1798.59 1032.89 53 2941.63 2539.89 1948.69 1121.80 54 3172.69 2744.85 21 10.76 1218.11 55 3420.08 2965.43 2286.05 1323.26 56 3684.63 3202.46 2475.73 1437.39 57 3966.68 3456.65 2679.84 1560.83 58 4268.12 3729.72 2900.93 1696.49 59 4589.83 4023.44 3141.35 1844.81 60 4932.03 4338.60 3400.42 2005.21 3i COMB TERMINAL RESERVES A% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age 1 2 3 4 5 20 52.17 99.31 141.01 176.81 206.21 21 53.11 101.15 143.68 180.24 210.33 22 54.10 103.08 146.49 183.87 214.65 23 55.14 105.11 149.45 187.65 219.17 24 56.23 107.25 152.55 191.63 223.89 25 57.39 109.48 155.80 195.78 228.83 26 58.58 111.82 159.18 200.10 233.96 27 59.84 114.26 162.71 204.61 239.32 28 61.17 116.84 166.44 209.40 244.99 29 62.62 119.65 170.54 214.63 251.24 30 64.23 122.82 175.14 220.56 258.37 31 66.07 126.40 180.38 227.36 266.57 32 68.17 130.54 186.49 235.30 276.22 33 70.57 135.29 193.49 244.46 287.44 34 73.30 140.68 201.49 254.99 300.36 35 76.36 146.77 210.56 266.94 315.09 36 79.80 153.63 220.77 . 280.44 331.82 37 83.64 161.30 232.23 295.66 350.67 38 87.91 169.84 245.04 312.66 371.70 39 92.65 179.33 259.26 331.51 394.80 40 97.86 189.77 274.88 352.04 419.75 41 ; 103.57 201.20 291.87 374.21 446.66 42 ^ 109.80 213.59 310.17 398.09 475.42 43 116.51 226.87 329.78 423.51 506.15 44 123.71 241.15 350.75 450.77 539.15 45 131.48 256.44 373.28 480.10 574.75 46 139.84 272.98 397.67 511.93 613.37 47 148.90 290.89 424.13 546.45 655.29 48 158.71 310.31 452.83 583.92 700.83 49 169.32 331.32 483.89 624.50 750.17 50 180.78 354.05 517.50 668.43 803.77 51 193.16 378.58 553.81 716.04 861.83 52 206.48 405.01 593.03 767.44 924.61 53 220.80 433.49 635.28 822.89 992.59 54 236.17 464.03 680.64 882.63 1065.82 55 252.56 496.65 729.23 946.59 1144.29 56 270.02 531.48 781.10 1014.92 1227.99 57 288.58 568.49 836.24 1087.48 1317.01 58 308.21 607.66 894.56 1164.32 1411.32 59 328.89 648.90 956.05 1245.40 1511.04 60 ^ 350.58 , 692.24 1020.70 1330.80 1616.18 33 ^ExT TERMINAL RESERVES ^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age 6 7 8 9 ID 20 228.69 243.63 250.40 248.27 236.47 21 233.36 248.73 255.74 253.68 241.70 22 238.27 254.06 261.33 259.31 247.19 23 243.37 259.60 267.12 265.16 252.80 24 248.72 265.39 273.20 271.25 258.69 25 254.28 271.45 279.49 277.61 264.88 26 260.09 277.70 286.02 284.19 271.21 27 266.11 284.23 292.87 291.06 277.86 28 272.52 291.21 300.15 298.43 285.06 29 279.63 298.95 308.33 306.82 293.31 30 287.77 307.92 317.94 316.76 303.30 31 297.22 318.46 329.29 328.68 315.56 32 V 308.45 331.04 343.02 343.37 330.81 33 321.55 345.85 359.37 360.92 349.08 34 336.72 363.14 37851 381.49 370.12 35 354.13 383.02 400.49 404.74 393.49 36 . 373.92 405.56 425.08 430.37 419.11 37 396.17- 430.62 452.08 458.37 446.57 3 4.37 23.08 42.53 62.75 83.79 35 4.47 23.68' 43.65 64.42 86.03 36 4.56 24.30 44.83 66.17 88.38 37 4.66 24.96 46.06 68.01 90.85 38 . 4.76 25.64 47.36 69.94 93.43 39 4.87 26.37 48.73 71.97 96.11 40 4.98 27.14 50.16 74.06 98.83 41 5.10 27.94 . 51.63 76.17 101.54 42 5.24 28.75 53.09 78.24 104.19 43 5.41 29.58 54.55 80.29 106.80 44 5.62 30.44 56.00 82.30 109.37 45 5.87 31.29 57.43 84.30 111.93 46 6.17 32.18 58.89 86.34 114.54 47 6.50 33.10 60.39 88.42 117.18 48 6.86 34.05 61.94 90.53 119.85 49 7.24 35.04 63.51 92.68 122.54 50 7.66 36.07 65.13 94.85 125.27 51 8.13 37.14 66.79 97.08 128.05 52 8.63 38.25 68.49 99.37 130.88 53 9.18 39.43 70.27 101.71 133.79 54 9.77 40.65 72.10 104.13 136.77 55 10.42 41.94 74.01 106.64 139.85 56 11.12 43.31 76.03 109.26 143.01 57 11.87 44.76 78.12 111.94 146.19 58 12.69 46.28 80.28 114.65 149.39 59 13.58 47.87 82.48 117.39 152.60 60 14.58 49.55 84.76 120.20 155.86 42 COMB. EXP. 20 Payment Life MEAN RESERVES ^% FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 75.38 91.58 108.46 126.05 144.37 21 77.12 93.71 110.98 128.97 147.71 22 78.93 95.90 113.58 131.99 151.17 23 80.79 98.17 116.26 135.10 154.72 24 82.70 100.49 119.02 138.30 158.39 25 84.68 102.89 121.85 141.60 162.17 26 86.70 105.36 124.77 144.99 166.05 27 88.80 107.90 127.79 148.50 170.08 28 90.95 110.52 130.90 152.12 174.23 29 93.18 113.24 134.12 155.87 178.53 30 95.49 116.05 137.46 159.76 183.00 31 97.89 118.97 140.93 163.80 187.64 32 100.38 122.02 144.54 168.01 192.48 33 102.98 125.18 148.30 172.40 197.50 34 105.69 128.48 152.23 176.96 202.70 35 108.52 131.94 156.33 181.70 208.05 36 111.50 135.56 160.58 186.56 213.50 37 114.61 139.31 164.94 191.51 219.01 38 117.84 143.15 169.38 196.51 224.56 39 121.14 147.05 173.83 201.50 230.10 40 124.45 150.92 178.25 206.46 235.61 41 127.73 154.75 182.63 211.41 241.11 42 130.94 158.50 186.93 216.25 246.50 43 134.10 162.22 191.20 221.07 251.87 44 137.23 165.90 195.43 225.85 257.19 45 140.35 169.58 199.65 230.60 262.48 46 143.51 173.28 203.89 235.37 26778 47 146.69 177.00 208.13 240.14 273.07 48 149.91 180.74 212.40 244.92 278.37 49 153.14 184.50 216.67 249.70 283.66 50 156.41 188.29 220.97 254.51 288.97 51 159.72 192.12 225.32 259.35 294.26 52 163.08 196.01 229.70 264.19 299.51 53 166.53 199.97 234.12 269.02 304.72 54 170.05 203.96 238.53 273.80 309.83 55 173.63 207.98 242.94 278.55 314.88 56 - 177.25 212.01 247.32 283.24 319.82 57 180.87 216.01 251.65 287.83 324.63 58 184.49 219.99 255.92 292.32 329.30 59 188.10 223.93 260.10 296.70 333.80 60 191.73 227.85 264.25 300.99 338.22 43 COMB. MEAN RESERVES /^% 20 Payment Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 163.45 183.35 204.08 225.70 248.25 21 167.24 187.59 208.79 230.91 • 253.98 22 171.15 191.97 213.67 236.30 259.91 23 175.17 196.48 218.69 241.86 266.03 24 179.32 201.13 223.87 247.59 272.34 25 183.60 205.93 229.22 253.52 278.87 26 188.00 210.88 234.74 259.63 285.61 27 192.56 216.00 240.45 265.96 292.60 28 197.27 221.29 246.36 272.51 299.81 29 202.15 226.79 252.49 279.30 307.27 30 207.22 232.49 258.84 286.31 314.92 31 212.49 238.40 265.41 293.51 322.74 32 217.97 244.53 272.16 300.88 330.73 33 223.64 250.81 279.05 308.37 338.80 34 > 229.45 257.23 286.05 315.94 346.96 35 235.39 263.74 293.13 323.60 355.22 36 241.42 270.33 300.28 331.33 363.55 37 247.48 276.94 307.46 339.10 371.93 38 253.57 283.60 314.69 346.92 380.35 39 259:67 290.26 321.93 354.74 388.78 40 265.74 296.89 329.13 362.53 397.17 41 271.79 303.51 336.32 370.31 405.58 42 277.74 310.01 343.40 377.98 413.86 43 283.66 316.50 350.46 385.63 422.14 44 289.52 322.92 357.45 393.21 430.35 45 295.36 329.30 364.40 400.77 438.52 46 301.19 335.68 371.34 408.29 446.63 47 307.01 342.04 378.25 415.74 454.65 48 312.83 348.38 385.11 423.11 462.55 49 318.63 354.66 391.85 430.33 470.27 50 324.40 360.87 398.50 437.43 477.84 51 330.11 366.99 405.02 444.37 485.22 52 335.74 372.99 411.38 451.09 492.34 53 341.30 378.87 417.58 457.62 499.24 54 346.72 384.58 423.56 4^3.89 505.83 55 352.03 390.12 429.33 469.90 512.14 56 357.19 395.47 434.87 475.65 518.17 57 362.16 400.59 440.15 481.12 523.86 58 366.96 405.52 445.20 486.31 529.25 59 371.58 410.22 449.98 491.18 534.28 60 376.08 414.76 454.55 4§5,31 . 53^00 44: ^KcT' MEAN RESERVES A% 20 Payment Life FULL PRELIMINARY TERM VEARS Age i6 17 i8 19 ao 20 271.77 296.33 321.97 348.75 376.73 21 278.05 303.18 329.42 356.83 385.50 22 284.55 310.28 337.15 365.22 394.57 23 291.25 317.59 345.11 373.88 403.95 24 298.18 325.16 353.36 382.83 413.61 25 305.35 333.00 361.89 392.07 423.55 26 312.74 341.08 370.66 401.53 433.72 27 320.41 349.43 379.69 411.24 444.11 28 328.29 357.97 388.90 421.12 454.68 29 336.40 366.74 398.32 431.20 465.45 30 344.69 375.66 407.89 441.43 476.39 31 353.14 384.73 417.60 451.82 487.51 32 361.72 393.95 427.47 462.39 498.78 33 370.40 403.26 437.45 473.06 510.21 34 379.18 412.68 447.54 483.86 521.76 35 388.06 422.20 457.73 494.77 533.44 36 397.02 431.81 468.03 505.79 545.23 37 406.02 441.46 478.37 516.87 557.13 38 415.06 451.17 488.78 528.04 569.12 39 424.13 460.90 499.23 539.27 581.20 40 433.16 470.61 509.68 550.53 593.35 41 442.21 480.36 520.18 561.85 605.53 42 451.15 490.01 530.60 573.09 617.73 43 460.10 499.68 541.03 584.36 629.92 44 468.98 509.25 551.35 595.52 642.06 45 477.79 518.74 561.60 606.61 654.15 46 486.52 528.15 571.74 617.62 666.15 47 495.13 537.41 581.75 628.49 678.05 48 503.61 546.52 591.60 639.21 689.81 49 511.88 555.41 601.21 649.70 701.43 50 519.97 564.10 610.62 660.00 712.88 51 527.84 572.55 619.79 670.10 724.16 52 535.42 580.70 628.66 679.92 735.27 53 542.75 588.59 637.28 689.52 746.17 54 549.76 596.14 645.56 698.80 756.86 55 556.47 603.37 653.53 707.79 767.33 56 562.85 610.26 661.15 716.49 777.57 57 568.87 616.78 668.40 724.83 787.57 58 574.56 622.93 675.29 732.88 797.37 59 579.84 628.65 681.75 740.53 806.88 ■60 584.78 634.00 687.82 747.81 816.16 45 COMB. EXP. MEAN RESERVES 49b 15 Payment Life FULL PRELIMINARY TERM ^EARS Age I 2 3 4 5 20 3.51 21.30 39.87 59.23 79.42 21 3.55 21.75 40.73 60.52 81.16 22 3.59 22.20 41.61 61.85 82.96 23 3.64 22.68 42.53 63.23 84.81 24 3.69 23.16 43.47 64.65 86.73 25 3.74 23.67 44.45 66.11 88.69 26 3.79 24.19 45.45 67.61 90.72 27 3.85 24.73 46.48 69.16 92.81 28 3.91 25.28 47.55 70.76 94.96 29 3.98 25.85 48.65 72.40 97.17 30 4.05 26.45 49.78 74.10 99.46 31 4.13 27.06 50.95 75.85 101.81 32 4.21 27.69 52.16 77.67 104.26 33 > 4.29 28.35 53.41 79.54 106.79 34 4.37 29.02 54.71 81.49 109.42 35 4.47 29.73 56.07 83.52 112.15 36 4.56 30.47 57.47 85.63 114.99 37 4.66 31.24 58.94 87.83 117.96 38 4.76 32.04 60.48 90.13 121.06 39 4.87 32.88 62.09 92.53 124.25 40 4.98 33.77 63.76 95.00 127.49 41 5.10 34.68 65.48 97.48 130.73 42 5.24 35.62 67.19 99.95 133.93 43 5.41 36.57 68.89 102.38 137.07 44 5.62 37.54 70.59 104.78 140.19 45 5.87 38.51 72.25 107.16 143.29 46 6.17 39.50 73.95 109.56 146.41 47 6.50 40.52 75.67 111.99 149.54 48 6.86 41.57 77.40 114.41 152.66 49 7.24 42.65 79.18 116.87 155.80 50 7.66 43.76 80.96 119.32 158.93 51 8.13 44.89 82.75 121.78 162.06 52 8.63 46.05 84.58 124.26 155.18 53 9.18 47.27 86.44 126.76 168.33 54 9.77 48.51 88.32 129.28 171.50 55 10.42 49.80 90.25 131.84 174.67 56 11.12 51.15 92.25 134.46 177.87 57 11.87 52.56 94.28 137.07 181.00 58 12.69 54.03 96.33 139.64 184.06 59 13.58 55.53 98.37 142.17 187.03 60 14.58 57.10 100.44 144.69 189.95 # Bcpf MEAN RESERVES 4^ 15 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 100.49 122.47 145.41 169.34 194.33 21 102.70 125.17 148.61 173.08 198.62 22 104.98 127.95 151.92 176.93 203.04 23 107.33 130.82 155.32 180.90 207.59 24 109.75 133.77 158.83 184.98 212.28 25 112.25 136.82 162.45 189.20 217.13 26 114.82 139.95 166.17 193.54 222.12 27 117.46 143.18 170.01 198.02 227.27 28 120.19 146.51 173.98 202.65 232.59 29 123.00 149.94 178.06 207.41 238.08 30 125.90 153.49 182.29 212.35 243.76 31 128.89 157.15 186.64 217.44 249.62 32 132.00 160.95 191.17 222.74 255.72 33 135.22 164.88 195.85 228.21 262.01 34 138.55 168.96 200.72 233.89 268.52 35 142.03 173.22 205.78 239.76 275.20 36 145.64 177.63 211.00 245.77 282.01 Z7 149.40 182.19 216.34 251.90 288.91 38 153.29 186.85 221.78 258.10 295.88 39 157.26 191.58 227.26 264.33 302.89 40 161.26 196.32 232.74 270.57 309.92 41 165.23 201.03 238.19 276.80 316.95 42 169.15 205.68 243.61 283.01 323.98 43 173.03 210.31 249.00 289.19 330.99 44 176.87 214.91 254.37 295.35 337.97 45 180.70 219.48 259.70 301.47 344.92 46 184.55 224.06 265.04 307.60 351.88 47 188.39 228.63 270.36 313.71 358.80 .48 192.21 233.17 275.64 319.75 365.67 49 196.05 237.72 280.93 325.81 372.55 50 199.87 242.23 286.16 331.82 379.36 51 203.66 246.72 291.38 337.78 386.09 52 207.45 251.20 296.55 343.66 392.71 53 211.26 255.67 301.68 349.45 399.20 54 215.97 260.09 306.71 355.11 405.53 55 218.83 264.42 311.60 360.59 411.64 56 222.56 268.68 316.39 365.92 417.55 57 226.19 272.79 320.98 371.01 423.20 58 229.71 276.74 325.36 375.85 428.54 59 233.09 280.50 329.50 380.39 433.54 ,60 236.36 284.10 333.42 384.65 438.24 47 coM» MEAN RESERVES /^% 15 Payment Life FULL PRELIMINARY TERM YEARS Age II 13 13 14 15 20 220.42 247.67 276.12 305^86 336.94 21 225.28 253.13 282.21 312.61 344.39 22 230.30 258.77 288.51 319.59 352.08 23 235.46 264.58 295.00 326.79 360.03 24 240.79 270.57 301.69 334.22 368.24 25 246.29 276.76 308.61 341.90 376.73 26 251.96 283.15 315.74 349.83 ,385.50 27 257.82 289.75 323.13 358.04 394.57 28 263.87 296.56 330.75 366.52 403.95 29 270.11 303.60 338.63 375.28 413.61 30 276.58 310.90 346.80 384.33 423.55 31 283.26 318.43 355.18 393.59 433.72 32 290.19 326.21 363.83 403.10 444.11 33 297.32 334.17 372.64 412.78 454.68 34 304.65 342.33 381.63 422.63 465.45 35 312.14 350.64 390.77 432.65 476.39 36 319.74 359.05 400.04 442.81 487.51 37 •327.44 367.57 409.42 453.11 498.78 38 335.20 376.17 418.90 463.53 510.21 39 343.02 384.85 428.48 474.06 521.76 40 350.89 393.58 438.13 484.69 533.44 41 358.76 402.33 447.82 . 495.38 545.23 42 366.64 411.11 457.55 506.16 557.13 43 374.50 419.89 467.32 516.98 569.12 44 ' 382.36 428.68 477.10 527.86 581.20 45 390.19 437.44 486.88 538.76 593.35 46 398.02 446.21 496.69 549.70 605.53 47 405.82 454.97 506.49 560.63 617.73 48 413.57 463.67 516.21 571.49 629.92 49 421.33 472.36 525.93 582.36 642.06 50 428.99 480.93 535.51 593.10 654.15 51 436.53 489.38 544.96 603.72 666.15 52 443.94 497.66 554.25 614.18 678.05 53 451.20 505.78 563.37 624.49 689.81 54 458.26 513.69 572.27 634.60 701.43 55 465.07 521.31 580.88 644.44 712.88 56 471.66 528.69 589.25 654.08 724.16 57 477.94 535.76 597.32 663.47 735.27 58 483.88 542.48 605.05 672.55 746.17 59 489.47 548.83 612.42 681.31 756.86 60 494.73 554.82 619.44 689.75 767.33 48 COMB. EXP. 10 Payment Life MEAN RESERVES ^^ FULL PRELIMINARY TERM VEARS Age I 3 3 4 5 20 3.51 31.23 60.19 90.46 122.07 21 3.55 31.86 61.43 92.33 124.61 22 3.59 32.51 62.70 94.26 127.23 23 3.64 33.17 64.02 96.26 129.94 24 3.69 33.86 65.38 98.32 132.73 25 3.74 34.57 66.79 100.44 1.35.60 26 3.79 35.31 68.23 102.63 138.57 27 3.85 36.07 69.72 104.88 141.62 28 3.91 36.86 71.26 107.21 144.77 29 3.98 37.66 72.85 109.61 148.02 30 4.05 38.50 74.48 112.08 151.37 31 4.13 39.36 76.17 114.63 154.83 32 4.21 40.25 77.91 117.26 158.40 33 4.29 41.17 79.70 119.96 162.07 34 4.37 42.13 81.57 122.79 165.90 35 4.47 43.11 83.49 125.71 169.85 36 4.56 44.13 85.48 128.71 173.93 37 4.66 45.19 87.54 131.83 178.17 38 4.76 46.28 89.69 135.08 182.56 39 4.87 47.43 91.92 138.45 187.09 40 4.98 48.62 94.23 141.90 191.70 41 5.10 49.85 96.60 145.41 196.35 42 5.24 51.12 98.99 148.93 201.01 43 5.41 52.40 101.38 152.44 205.67 44 5.62 53.70 103.78 155.94 210.32 45 5.87 55.01 106.16 159.44 214.99 46 6.17 56.35 108.57 162.96 219.69 47 6.50 57.71 111.00 166.52 224.41 48 6.86 59.10 113.47 170.09 229.15 49 7.24 60.52 115.94 173.67 233.88 50 7.66 61.95 118.42 177.24 238.60 51 8.13 63.41 120.91 180.80 243.31 52 8.63 64.89 123.41 184.37 248.00 53 9.18 66.40 125.92 187.93 252.68 54 9.77 67.94 128.42 191.47 257.34 55 10.42 69.49 130.95 195.02 261.97 56 11.12 71.10 133.50 198.56 . 266.55 57 11.87 72.74 136.05 202.04 271.02 58 12.69 74.41 138.58 205.44 275.36 59 13.58 76.10 141.05 208.73 279.53 60 14.58 77.81 143.49 211.93 283.56 49 fgJ^B. MEAN RESERVES /^% 10 Payment Life FULL PRELIMINARY TERM 1 k^EARS Age 6 7 8 9 lO 20 155.12 189.66 225.78 263.54 303.04 21 158.36 193.63 230.50 269.07 309.40 22 161.69 197.71 235.37 274.76 315.96 23 165.13 201.92 240.39 280.63 322.73 24 168.69 206.28 245.59 286.71 329.72 25 172.35 210.77 250.94 292.97 336.94 26 176.13 215.40 256.46 299.43 344.39 27 180.02 220.17 262.16 306.09 352.08 28 184.04 225.09 268.04 312.98 360.03 29 188.18 230.18 274.11 320.10 368.24 30 192.45 235.42 280.38 327.44 376.73 31 196.86 240.84 286.85 335.03 385.50 32 201.42 246.43 293.54 342.88 394.57 33^ 206.11 252.19 300.44 350.97 403.95 34 211.00 258.20 307.62 359.39 413.61 35 216.04 264.39 315.02 368.04 423.55 36 221.26 270.79 322.64 376.91 433.72 37 226.66 277.39 330.46 385.99 444.11 38 232.23 284.15 338.45 395.25 454.68 39 237.92 291.05 346.58 404.65 465.45 40 243.71 298.03 354.80 414.19 476.39 41 249.53 305.06 363.10 423.85 487.51 42 255.37 312.13 371.48 433.63 498.78 43 261.21 319.24 379.94 443.51 510.21 44 267.08 326.40 388.46 453.49 521.76 45 272.98 333.59 397.03 463.55 533.44 46 278.90 340.82 405.66 473.69 545.23 47 284.86 348.08 414.33 483.90 557.13 48 290.83 355.37 423.05 494.17 569.12 49 296.79 362.66 431.77 504.48 . 581.20 50 302.75 369.94 440.50 514.83 593.35 51 308.68 377.20 449.24 525.19 605.53 52 314.59 384.45 457.96 535.54 617.73 53 320.49 391.68 466.64 545.85 629.92 54 326.35 398.83 475.24 556.09 642.06 55 332.14 405.89 483.72 566.23 654.15 56 337.83 412.82 492.06 576.24 666.15 57 343.37 419.57 500.23 586.09 678.05 58 348.74 426.14 508.19 595.74 689.81 59 353.92 432.46 515.91 605.18 701.43 60 358.88 438.54 523.37 614.37 712.88 50 COMB. MEAN RESERVES OLh EXP. •f ^ 20 Year Endowment • FULL PRELIMINARY TERM YEARS Age I 3' 3 A 5 20 3.51 36.64 71.28 107.48 145.32 21 3.55 36.67 71.30 107.49 145.32 22 3.59 36.71 71.32 107.50 145.32 23 3.64 36.75 71.34 107.51 145.31 24 3.69 36.79 71.37 107.52 145.30 25 3.74 36.83 71.40 107.53 145.29 26 3.79 36.87 71.43 107.54 145.28 27 3.85 36.92 71.46 107.55 145.27 28 3.91 36.97 71.49 107.56 145.25 29 3.98 37.02 71.53 107.58 145.25 30 4.05 37.08 71.58 107.61 145.27 31 4.13 37.15 71.64 107.66 145.30 32 4.21 37.23 71.72 107.73 145.37 33 4.29 37.32 71.82 107.83 145.47 34 4.37 37.42 71.94 107.97 145.62 35 4.47 37.54 72.09 108.16 145.84 36 4.56- 37.68 72.28 108.40 146.13 Z7 4.66 3784 72.51 108.70 146.51 38 4.76 38.03 72.80 109.08 146.97 39 4.87 38.26 73.15 109.53 147.50 40 4.98 38.52 73.54 110.02 148.08 41 5.10 38.81 73.96 110.54 148.61 42 5.24 39.12 74.37 111.02 149.10 43 5.41 39.44 74.78 111.46 149.54 44 5.62 39.78 75.18 111.88 149.94 45 5.87 40.13 75.58 112.28 150.32 46 6.17 40.50 76.00 112.72 150.75 47 6.50 40.91 76.46 113.22 151.23 48 6.86 41.37 76.98 113.77 151.77 49 7.24 41.87 77.55 114.37 152.37 50 7.66 42.41 78.18 115.03 153.03 51 8.13 43.00 78.87 115.77 153.77 52 8.63 43.65 79.63 116.59 154.61 53 9.18 44.37 80.48 117.51 155.58 54 9.77 45.16 81.42 118.56 156.70 55 10.42 46.03 82.47 119.76 157.97 56 11.12 47.00 83.64 121.10 159.37 57 11.87 48.06 84.94 122.56 160.89 58 12.69 49.22 86.35 124.11 162.51 59 13.58 50.47 87.85 125.77 164.23 60 14.58 51.81 89.45 127.55 166.07 51 ^KCP^ MEAN RESERVES A% 20 Year Elndowinent FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 184.90 226.29 269.59 314.89 362.30 21 184.88 226.25 269.53 314.81 362.20 22 184.86 226.21 269.47 314.72 362.09 23 184.83 226.16 269.39 314.63 361.97 24 184.80 226.11 269.31 314.52 361.83 25 184.77 226.05 269.22 314.40 361.69 26 184.73 225.98 269.13 314.28 361.54 27 184.69 225.91 269.04 314.16 361.40 28 184.65 225.85 268.95 314.05 361.27 29 184.63 225.81 268.88 313.96 361.16 30 184.63 225.79 268.84 313.90 361.09 31 184.66 225.80 268.84 313.89 361.08 32 184.72 225.85 268.90 313.94 361.14 33 184.83 225.97 269.03 314.08 361.30 34 - 185.01 226.17 269.25 314.32 361.55 35. 185.26 226.47 269.58 314.64 361.86 36 185.60 226.86 269.99 315.03 362.20 37 186.04 227.33 270.46 315.47 362.53 38 186.56 227.86 270.97 315.89 362.84 39 187.13 228.43 271.45 316.28 363.11 40 187.68 228.95 271.88 316.62 363.32 41 188.19 229.40 272.24 316.89 363.45 42 188.65 229.77 272.53 317.08 363.51 43 189.05 230.08 272.76 317.21 363.50 44 189.41 230.36 272.96 317.29 363.45 45 189.75 230.65 273.16 317.35 363.38 46 190.14 230.97 273.38 317.44 363.32 47 190.58 231.33 273.63 317.56 363.28 48 191.07 231.75 273.93 317.73 363.30 49 191.62 232.23 274.29 317.96 363.37 50 192.25 232.79 274.73 318.27 363.51 51 192.97 233.44 275.28 318.68 363.73 52 193.80 234.20 275.96 319.19 364.01 53 194.77 235.15 276.76 319.80 364.36 54 195.89 236.20 277.67 320.49 364.76 55 197.15 237.36 278.68 321.25 365.22 56 198.54 238.63 279.78 322.09 365.74 57 200.03 240.01 280.96 323.00 366.30 58 201.61 241.48 282.21 323.96 366.88 59 203.30 243.04 283.55 324.98 367.50 60 205.11 244.71 284.99 326.08 368.19 COMB gj^^ MEAN RESERVES ^% 20 Year Ejidowment FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 411.92 463.88 518.31 575.32 635.08 21 411.80 463.74 518.15 575.16 634.91 22 411.67 463.59 517.98 574.98 634.73 23 411.52 463.42 517.80 574.79 634.54 24 411.37 463.25 517.61 574.58 634.33 25 411.20 463.06 517.41 574.37 634.11 26 411.03 462.88 517.20 574.16 633.91 27 410.87 462.70 517.01 573.97 633.73 28 410.72 462.53 516.84 573.80 633.57 29 410.59 462.39 516.70 573.67 633.44 30 410.51 462.31 516.61 573.58 633.32 31 410.50 462.30 516.59 573.52 633.23 32 410.56 462.36 516.61 573.48 633.12 33 410.71 462.46 516.65 573.46 633.02 34 410.92 462.60 516.72 573.42 632.90 35 411.16 462.76 516.77 573.36 632.75 26 411.41 462.89 516.79 573.27 632.57 37 411.63 462.99 516.77 573.14 632.35 38 411.82 463.06 516.72 572.97 632.08 39 411.97 463.08 516.62 572.75 631.74 40 412.06 463.04 516.45 572.46 631.33 41 412.07 462.92 516.18 572.07 630:^3 42 412.00 462.70 515.82 571.57 630.23 43 411.86 462.40 515.38 570.98 629.55 44 411.66 462.05 514.87 570.33 628.80 45 411.42 461.67 514.32 569.65 628.00 46 411.20 461.28 513.79 568.95 627.16 47 411.00 460.90 513.22 568.22 626.26 48 410.84 460.54 512.67 567.46 625.31 49 410.72 460.20 512.07 566.65 624.31 :5o' 410.65 459.88 511.50 565.81 623.24 51 410.62 459.58 510.90 564,92 622.10 52 410.62 459.26 510.28 563.96 620.87 53 410.67 458.98 509.64 562.95 619.55 54 410.75 458.68 508.95 561.87 618.12 55 410.85 458.37 508.21 560.71 616.59 56 410.97 458.06 507.43 559.49 614.96 57 411.10 457.73 506.61 558.20 613.23 58 411.25 457.37 505.75 556.84 611.38 59 411.43 457.04 504.85 555.42 609.44 60 411.66 456.75 503.99 55l96 607:44 53 MEAN RESERVES 4^ COMB. EXP. 20 Year Ejndowment FULL PRELIMINARY TERM k^EARS Age i6 17 i8 19 30 20 697.73 763.45 832.40 904.77 980.77 21 697.57 763.30 832.28 904.70 980.77 22 697.39 763.14 832.15 904.62 980.77 23 697.21 762.97 832.02 904.54 980.77 24 697.01 762.80 831.89 904.47 980:77 25 696.80 762.63 831.76 904.40 980.77 26 696.61 762.46 831.62 904.31 980.77 27 696.46 762.32 831.50 904.24 980.77 28 696.29 762.16 831.36 904.15 980.77 29 696.14 762.02 831.23 904.06 980.77 30 696.01 761.87 831.08 903.95 980.77 31 695.87 761.70 830.92 903.83 980.77 32 695.72 761.51 830.74 903.70 980.77 33 695.55 761.30 830.54 903.57 980.77 34 695.36 761.08 830.33 903.43 980.77 35 695.15 760.84 830.10 903.27 980.77 36 694.91 760.55 829.83 903.08 980.77 Z7 .694.62 760.22 829.52 902.87 980.77 38 694.27 759.83 829.17 902.64 980.77 39 693.86 759.39 828.77 902.38 980.77 40 693.38 758.89 828.33 902.10 980.77 41 692.81 758.32 827.83 901.78 980.77 42 692.15 757.67 827.25 901.42 980.77 43 691.41 756.93 826.60 901.00 980.77 44 690.60 756.12 825.90 900.54 980.77 45 689.72 755.25 825.14 900.05 980.77 46 688.79 754.31 824.30 899.51 980.77 47 687.79 753.28 823.39 898.90 980.77 48 686.72 752.18 822.41 898.25 980.77 49 685.57 750.99 821.34 894.54 980.77 50 684.34 749.71 820.19 896.78 980.77 51 683.01 748.32 818.96 895.95 980.77 52 681.56 746.80 817.56 895.04 980.77 53 680.01 745.16 816.07 894.05 980.77 54 678.33 743.39 814.46 892.97 980.77 55 676.51 741.48 812.70 891.78 980.77 56 674.57 739.42 810.80 890.48 980.77 57 672.51 737.21 808.76 889.08 980.77 58 670.31 734.83 806.56 887.57 980.77 59 667.98 732.30 804.22 885.94 980.77 60 665.53 729.65 801.66 884.18 980.77 54 COMB. EXP. Age MEAN RESERVES /^% 15 Year Endowment FULL PRELIMINARY TERM YEARS 20 3.51 54.43 107.70 163.43 221.74 21 3.55 54.45 107.70 163.41 221.71 22 3.59 54.47 107.70 163.39 221.67 23 3.64 54.49 107.70 163.37 221.62 24 3.69 54.52 107.70 163.34 221.57 25 3.74 54.55 •107.70 163.31 221.51 26 3.79 54.58 107.70 163.28 221.45 27 3.85 54.61 107.70 163.25 221.38 28 3.91 54.64 107.70 163.21 , 221.31 29 3.98 54.67 107.69 163.17 221.23 30 4.05 54.70 107.68 163.12 221.14 31 4.13 54.74 107.67 163.07 221.05 32 4.21 54.78 107.67 163.03 220.97 33 4.29 54.82 107.68 163.00 220.91 34 4.37 54.87 107.70 162.99 220.87 35 4.47 54.94 107.74 163.00 220.86 36 4.56 55.02 107.80 163.05 220.90 37 4.66 55.11 107.89 163.14 221.00 38 4.76 55.22 108.02 163.29 221.16 39 4.87 55.36 108.19 163.49 221.35 40 4.98 55.53 108.40 163.73 221.58 41 5.10 55.73 108.63 163.95 221.75 42 5.24 55.93 108.85 164.13 221.85 43 5.41 56.13 109.05 164.26 221.87 44 5.62 56.34 109.22 164.33 221.83 45 5.87 56.56 109.35 164.36 221.75 46 6.17 56.80 109.50 164.40 221.66 47 6.50 57.06 109.67 164.45 221.57 48 6.86 57.35 109.85 164.51 221.48 49 7.24 57.66 110.05 164.57 221.38 50 7.66 57.99 110.27 164.64 221.27 51 8.13 58.37 110.52 164.73 221.18 52 8.63 58.78 110.80 164.85 221.11 53 9.18 59.24 111.12 165.01 221.08 54 9.77 59.75 111.49 165.22 221.10 55 10.42 60.31 111.92 165.51 221.18 56 11.12 60.93 112.43 165.87 221.31 57 11.87 61.62 113.02 166.27 221.42 58 12.69 62.39 113.67 166.69 221.54 59 13.58 63.24 114.36 167.13 221.66 60 14.58 64.17 115.10 167.60 221.80 55 COMB. EXP. MEAN RESERVES ^% 15 Year Elndowment FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 282.78 346.68 413.60 483.66 557.09 21 282.73 346.61 413.50 483.56 556.95 22 282.67 346.52 413.39 483.44 556.83 23 282.60 346.43 413.28 483.31 556.69 24 282.52 346.33 413.16 483.17 556.54 25 282.43 346.22 413.03 483.02 556.38 26 282..34 346.10 412.88 482.86 556.21 27 282.24 345.97 412.73 482.69 556.03 28 282.13 345.83 412.57 482.51 555.84 29 282.01 345.68 412.39 482.31 555.64 30 281.89 345.53 412.21 482.11 555.43 31 281.77 345.37 412.03 481.91 555.23 32 281.66 345.23 411.87 481.73 555.05 33 * 281.57 345.11 411.73 481.59 554.90 34 281.50 345.03 411.63 481.49 554.79 35 281.47 345.00 411.60 481.43 554.70 36 281.50 345.03 411.62 481.41 554.61 37 • 281.59 345.11 411.64 481.36 554.49 38 28r.73 345.22 411.67 481.29 554.34 39 281.92 345.31 411.65 481.17 554.14 40 282.08 345.37 411.60 481.02 553.87 41 282.16 345.32 411.48 480.77 553.52 42 282.15 345.19 411.24 480.41 553.08 43 282.05 344.98 410.89 479.96 552.55 44 281.88 344.69 410.46 479.43 551.93 45 281.67 344.34 409.97 478.83 551.23 46 281.48 344.00 409.47 478.17 550.46 47 281.20 343.54 408.87 477.45 549.62 48 280.94 343.11 408.26 476.68 548.73 49 280.66 342.65 407.61 475.87 547.79 50 280.37 342.17 406.93 475.03 546.80 51 280.07 341.68 406.23 474.15 545.75 52 279.79 341.19 405.53 473.23 544.64 53 279.55 340.71 404.81 472.25 543.46 54 279.35 340.24 404.06 471.21 542.19 55 279.17 339.76 403.26 470.10 540.82 56 279.01 339.26 402.41 468.91 539.33 57 278.82 338.72 401.49 467.62 537.69 58 278.60 338.12 400.47 466.19 535.87 59 278.35 337.43 399.33 464.60 533.88 60 278.07 336.68 398.07 462.87 531.74 56 COMB. EXP. 15 Year EJidowment MEAN RESERVES /\^% FULL PRELIMINARY TERM k^EARS Age II 12 13 14 18 20 633.98 714.59 799.13 887.77 980.77 21 633.86 714.49 799.04 887.73 980.77 22 633.73 714.37 798.94 887.67 980.77 23 633.60 714.25 798.84 887.61 980.77 24 633.45 714.11 798.73 887.54 980.77 25 633.29 713.96 798.61 887.46 980.77 26 633.12 713.81 798.49 887.38 980.77 27 632.94 713.64 798.36 887.30 980.77 28 632.75 713.47 798.22 887.22 980.77 29 632.55 713.29 798.07 887.14 980.77 30 632.35 713.11 797.93 887.06 980.77 31 632.16 712.94 797.79 886.97 980.77 32 631.99 712.78 797.66 886.88 980.77 33 631.84 712.63 797.53 886.79 980.77 34 631.70 712.48 797.39 886.69 980.77 35 631.58 712.32 797.22 886.58 980.77 36 631.43 712.14 797.02 886.44 980.77 37 631.25 711.92 796.80 886.28 980.77 38 631.03 711.66 796.56 886.11 980.77 39 630.76 711.34 796.28 885.92 980.77 40 630.42 710.97 795.95 885.70 980.77 41 630.01 710.54 795.56 885.45 980.77 42 629.51 710.04 795.10 885.16 980.77 43 628.92 709.45 794.58 884.83 980.77 44 628.24 708.78 794.00 884.46 980.77 45 627.48 708.03 793.37 884.06 980.77 46 626.67 707.22 792.68 883.62 980.77 47 625.77 706.35 791.94 883.15 980.77 48 624.82 705.42 791.14 882.64 980.77 49 623.81 704.42 790.27 882.08 980.77 50 622.73 703.33 789.32 881.46 980.77 51 621.57 702.16 788.28 880.78 980.77 52 620.33 700.90 787.16 880.05 980.77 53 618.99 699.54 785.94 879.26 980.77 54 617.55 698.06 784.61 878.39 980.77 55 615.99 696.44 783.17 877.43 980.77 56 614.28 694.66 781.61 876.38 980.77 57 612.40 692.70 779.83 875.23 980.77 58 610.32 690.56 777.91 873.96 980.77 59 608.06 688.23 775.82 872.57 980.77 60 605.64 685.73 773.57 871.06 980.77 COMB. EXP. 57 MEAN RESERVES £^% 10 Year Endowment FULL PRELIMINARY TERM YEARS Age I a 3 4 5 20 3.51 93.12 186.93 285.14 388.00 21 3.55 93.13 186.91 285.10 387.94 22 3.59 93.14 186.89 285.06 387.88 23 3.64 93.15 186.87 285.02 387.82 24 3.69 93.16 186.85 284.97 387.75 25 3.74 93.17 186.83 284.92 387.68 26 3.79 93.18 186.81 284.87 387.60 27 3.85 93.20 186.79 284.81 387.50 28 3.91 93.22 186.76 284.74 387.40 29 3.98 93.24 186.73 284.67 387.30 30 4.05 93.26 186.70 284.59 387.20 31 4.13 93.28 186.67 284.51 387.09 32 4.21 93.30 186.63 284.42 386.97 33 - 4.29 93.32 186.59 284.33 386.84 34 4.37 93.34 186.55 284.24 386.71 35 4.47 93.36 186.51 284.15 386.58 36 4.56 93.39 186.48 284.07 386.47 37 4.66 93.42 186.46 284.01 386.38 38 4.76 93.47 186.46 283.98 386.31 39 4.87 93.54 186.49 283.99 386.27 40 4.98 93.63 186.55 284.02 386.21 41 5.10 93.73 186.62 284.02 386.12 42 5.24 93.84 186.66 283.98 385.98 43 5.41 93.95 186.68 283.89 385.76 44 5.62 94.06 186.66 283.73 385.47 45 5.87 94.17 186.61 283.52 385.12 46 6.17 94.29 186.55 283.28 384.74 47 6.50 94.42 186.48 283.02 384.33 48 6.86 94.57 186.41 282.74 383.88 49 7.24 94.73 186.34 282.43 383.39 50 7.66 94.90 186.25 282.09 382.85 51 8.13 95.08 186.15 281.73 382.26 52 8.63 95.28 186.05 281.35 381.62 53 9.18 95.50 185.95 280.94 380.95 54 9.77 95.75 185.85 280.51 380.26 55 10.42 96.03 185.77 280.09 379.54 56 11.12 96.35 185.71 279.67 378.77 57 11.87 96.71 185.67 279.22 377.93 58 12.69 97.11 185.62 278.72 377.01 59 13.58 97.55 185.55 278.15 375.99 60 14.58 98.03 185.48 277.52 374.87 58 COMB. EXP. 10 Year Endow^ment MEAN RESERVES 4-% FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 495.73 608.59 726.86 850.82 • 980.77 21 495.66 608.52 726.79 850.78 980.77 22 495.59 608.45 726.72 850.74 980.77 23 495.51 608.37 726.65 850.69 980.77 24 495.43 608.28 726.57 850.64 980.77 25 495.34 608.19 726.49 850.59 980.77 26 495.25 608.09 726.41 850.54 980.77 27 495.14 607.97 726.31 850.48 980.77 28 495.02 607.85 726.21 850.41 980.77 29 494.90 607.73 726.10 850.34 980.77. 30 494.77 607.60 725.99 850.26 980.77 31 494.64 607.46 725.87 850.18 980.77 32 494.50 607.32 725.74 850.10 980.77 33 494.35 607.17 725.61 850.02 980.77 34 494.20 607.02 725.48 849.94 980.77 35 494.05 606.87 725.36 849.86 980.77 36 493.92 606.73 725.23 849.78 980.77 Z7 493.81 606.60 725.10 849.69 980.77 38 493.71 606.48 724.96 849.59 980.77 39 493.63 606.34 724.80 849.47 980.77 40 493.51 606.17 724.61 849.32 980.77 41 493.34 605.95 724.37 849.14 980.77 42 493.09 605.65 724.08 848.93 980.77 43 492.76 605.27 723.73 848.69 980 77 44 492.37 604.83 72Z.ZZ 848.42 980.77 45 491.92 604.34 722.88 848.12 980.77 46 491.43 603.81 722.39 847.79 980.77 47 490.91 603.23 721.85 847.43 980.77 48 490.34 602.59 721.26 847.04 980.77 49 489.70 601.89 720.62 846.62 . 980.77 50 489.00 601.14 719.92 846.16 980.77 51 488.24 600.32 719.17 845.66 980.77 52 487.43 599.44 718.36 845.12 980.77 53 486.58 598.50 • 717.49 844.53 980.77 54 485.69 597.50 716.55 843.88 980.77 55 484.74 596.42 715.53 843.17 980.77 56 483.71 595.24 714.41 842.40 980.77 57 482.58 593.94 713.17 841.55 980.77 58 481.32 592.50 711.80 840.61 980.77 59 479.92 590.92 710.29 839.58 980.77 60 478.39 589.19 708.63 838.45 980.77 59 MEAN RESERVES ^% COMB. EXP. 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age I 2 3 4 5 20 73.51 71.55 69.47 67.26 64.92 21 74.91 72.94 70.85 68.63 66.26 22 76.38 74.41 72.30 70.06 67.67 23 77.94 75.95 73.83 71.57 69.16 24 79.62 77.63 75.49 73.21 70.78 25 81.48 79.47 77.32 75.03 72.57 26 83.54 81.53 79.36 77.05 7457 27 85.86 83.84 81.67 79.34 76.84 28 88.46 86.45 84.27 81.93 79.41 29 91.38 89.36 87.19 84.84 82.3) 30 94.62 92.62 90.44 88.09 85.55 31 98.23 96.24 94.07 91.73 89.18 32 > 102.23 100.26 98.11 95.78 93.24 33 106.66 104.72 102.59 100.28 97.76 34 111.56 109.65 107.55 105.26 102.77 35 116.92 115.06 113.01 110.76 108.29 36 122.82 121.01 119.01 116.81 114.39 37 129.-27 127.52 125.58 123.45 121.09 38 136.28 134.62 132.76 130.69 128.39 39 143.91 14Z34 140.57 138.58 136.31 40 152.19 150.72 149.04 147.11 144.85 41 161.18 159.82 158.22 156.32 I 154:05 42 170.91 169.66 168.11 166.23 163.93 43 181.43 180.26 178.76 176.88 174.55 44 192.74 191.65 190.20 188.32 185.96 45 204.90 203.89 202.47 200.61 . 198.24 46 217.95 217.01 215.65 213.82 211.44 47 231.93 231.08 229.79 228.00 225.62 48 246.88 246.14 244.93 243.18 240.82 49 262.82 262.20 261.07 259.39 257.05 50 279.74 279.25 278.22 276.61 274.31 51 297.66 297.30 296.40 294.87 292.63 52 316.55 316.36 315.59 314.17 312.00 53 336.42 336.41 335.80 334.50 332.43 54 357.22 357.41 356.97 355.84 353.89 55 378.92 379.33 379.10 378.15 376.35 56 401.45 402.11 402.12 401.37 399.72 57 424.74 425.68 425.93 425.39 423.90 58 448.71 449.93 450.45 450.13 448.84 59 473.25 474.77 475.56 475.50 474.43 60 498.19 500.04 501.13 501.55 500.54 60 ^j^^- MEAN RESERVES /^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS A«e 6 7 8 9 lO 20 62.43 59.79 56.99 54.00 50.82 21 63.75 61.08 58.23 55.20 51.96 22 65.13 62.43 59.54 56.45 53.16 ,23 66.59 63.85 60.92, 57.78 54.43 24 68.18 • 65.39 62.42 59.23 55.81 25 69.93 67.11 64.09 60.85 57.38 26 71.90 69.04 65.97 62.68 59.16 27 74.15 71.25 68.15 64.81 61.23 28 76.69 73.77 70.63 67.25 63.61 29 79.57 76.62 73.45 70.03 66.36 30 82.81 79.84 76.64 73.20 69.48 31 86.43 83.46 80.25 76.77 73.03 32 90.49 87.51 84.29 80.80 77.03 33 95.02 92.04 88.82 85.32 81.53 34 100.05 97.09 93.87 90.37 86.51 35 105.61 102.67 99.46 95.92 91.96 36 111.74 108.83 105.60 101.98 97.87 37 118.48 115.57 112.28 108.54 104.25 38 125.80 122.85 119.47 115.57 111.07 39 133.71 130.69 127.18 123.10 118.38 40 142.20 139.09 135.43 131.16 126.22 41 151.34 148.11 144.31 139.86 134.69 42 161.14 157.81 153.87 149.24 143.83 43 171.70 168.27 164.19 159.38 153.73 44 183.05 179.54 175.32 170.32 164.41 45 195.29 191.68 187.33 182.13 175.97 46 208.46 204.76 200.27 194.88 188.46 47 222.60 218.82 214.20 208.61 201.93 4« 237.76 233.91 229.17 223.39 216.46 49 253.97 250.07 245.20 239.25 232.08 50 271.23 267.27 262.31 256.20 248.78 51 289.56 285.58 280.54 274.27 266.58 52 308.98 304.99 • 299.88 . 293.44 285.47 53 , 329.48 325.49 320.30 313.70 305.45 54 351.02 347.04 341.77 335.01 326.49 55 373.56 369.59 364.27 357.36 348.60 56 397.02 393.09 387.74 380.71 371.72 57 421.32 417.46 412.10 404.99 395.81 58 446.41 442.65 437.32 430.16 420.84 59 472.19 468.56 463.32 456.16 446.76 60 498.52 495.08 489.97 482.88 473.48 61 ^KcT* MEAN RESERVES ^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. VEARS Age II 12 13 14 15 20 47.43 43.82 39.97 35.86 31.49 21 48.51 44.83 40.91 36.71 32.24 22 49.65 45.89 41.89 37.61 33.03 23 50.85 47.02 42.93 38.55 33.88 24 52.16 48.26 44.08 39.61 34.84 25 53.66 49.68 45.42 40.85 35.97 26 55.37 51.32 46.97 42.32 37.33 27 57.38 53.26 48.83 44.09 39.00 28 59.71 55.52 51.02 46.19 40.99 29 62.40 58.15 53.58 48.65 43.30 30 65.48 61.17 56.52 51.47 45.91 31 68.99 64.62 59.85 54.61 48.79 32 > 72.95 68.48 63.55 58.07 51.93 33 77.36 72.75 67.61 61.83 55.32 34 82.22 77.42 . 72.01 65.89 59.00 35 87.50 82.46 76.74 70.27 62.95 36 93.21 87.89 81.84 74.99 67.23 37 ' 99.34 93.73 87.34 80.09 71.86 38 105.90 99.99 93.24 85.56 76.82 39 112.94 106.72 99.59 91.45 82.16 40 120.51 113.95 106.42 97.78 87.92 41 128.70 121.78 113.82 104.67 94.19 42 137.54 130.25 121.84 112.15 101.02 43 147.12 139.45 130.57 120.30 108.49 44 157.49 149.42 140.04 129.18 116.66 45 168.72 160.23 150.35 138.88 125.60 46 180.87 171.97 161.57 149.45 135.33 47 194.01 184.68 173.74 169.90 145.87 48 208.21 198.44 186.90 173.29 . 157.29 49 223.48 213.23 201.05 186.63 169.60 50 239.81 229.05 216.19 200.91 182.80 51 257.22 245.93 232.37 216.20 196.93 52 275.71 263.87 249.60 232.49 212.03 53 295.29 282.90 267.89 249.82 228.12 54 315.94 303.00 287.25 268.20 245.23 55 337.66 324.18 307.70 287.66 263.43 56 360.43 346.43 329.23 308.24 282.75 57 384.20 369.72 351.85 329.94 303.19 58 408.96 394.07 375.59 352.81 324.82 59 434.69 419.47 400.45 376.86 347.69 60 461.31 445.84 426.36 402.04 371.76 62 ^^^- MEAN RESERVES 4% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. V'EARS Jige i6 17 i8 19 30. 20 26.83 21.85 16.55 10.90 4.87 21 27.47 22.38 16.96 11.16 4.98 22 28.15 22.94 17.38 11.44 5.10 23 28.89 23.55 17.85 11.76 5.24 24 29.73 24.26 18.42 12.16 5.41 25 30.74 25.16 19.15 12.68 5.62 26 31.99 26.26 20.05 13.29 5.87 27 33.53 27.61 21.14 14.04 6.17 28 35.35 29.19 22.40 14.87 6.50 29 37.44 30.97 23.78 15.78 6.86 30 39.76 32.92 25.28 16.76 7.24 31 42.30 35.03 26.90 17.82 7.66 32 45.04 37.32 28.66 18.98 8.12 33 48.01 39.80 30.58 20.24 8.63 34 51.23 42.50 32.67 21.62 9.18 35 54.70 45.40 34.91 23.09 9.77 36 58.46 48.55 37.34 24.69 10.42 37 62.53 51.95 39.98 26.44 11.12 38 66.88 55.61 42.82 28.31 11.86 '39 71.58 59.55 45.87 30.33 12.69 40 76.66 63.81 49.18 32.54 13.58 41 82.20 68.50 52.86 35.01 14.58 42 88.26 73.65 56.92 37.73 15.68 43 94.92 79.33 61.39 40.72 16.88 44 102.22 85.54 66.27 43.98 18.19 45 110.19 92.33 71.60 47.55 19.63 46 118.87 99.72 77.42 51.45 21.19 47 128.29 107.75 83.75 55.70 22.89 48 138.50 116.47 90.63 60.33 24.75 49 149.53 125.90 98.09 65.34 26.75 50 161.36 136.03 106.09 70.71 28.89 51 174.06 146.91 114.71 76.54 31.22 52 187.64 158.58 • 124.00 82.84 33.73 53 202.15 171.10 134.02 89.65 36.44 54 , 217.64 184.54 144.79 96.99 39.37 55 234.19 198.93 156.38 104.93 42.53 56 251.82 214.34 168.85 113.51 45.94 57 270.56 230.78 182.22 122.74 49.60 58 290.49 248.38 196.60 132.75 53.59 59 311.68 267.19 212.11 143.62 57.90 60 334.11 287.25 228.75 155.30 62.53 63 KCP." MEAN RESERVES /^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age I:- 3 3 4 5 20 54.48 52.07 49.52 46.83 43.98 21 55.44 53.01 50.44 47.71 44.84 22 56.46 54.00 51.40 48.65 45.73 23 57.52 • 55.04 52.41 49.63 46.67 24 58.63 56.13 53.47 50.65 47.66 25 59.80 57.28 54.58 51.73 48.68 26 61.03 58.47 55.74 52.84 49.75 27 62.31 59.72 56.96 54.01 50.87 28 63.67 61.04 58.24 55.25 52.05 29 65.14 62.49 59.64 56.61 53.35 30 66.79 64.10 61.22 58.13 54.83 31 68.65 65.93 63.00 59.87 56.52 32 70.77 68.02 65.07 61.90 58.49 33 73.20 70.42 67.43 64.22 60.77 34 75.94 73.14 70.12 66.88 63.39 35 79.02 76.20 73.17 69.90 66.37 36 82.46 79.64 76.59 73.29 , 69.74 37 - 86.30 83.48 80.41 77.11 73.53 38 90.57 87.75 84.68 81.37 77.76 39 95.29 92.48 89.42 86.09 82.42 40 100.47 97.68 94.62 91.25 87.49 41 106.15 103.38 100.30 96.85 92.96 42 112.35 109.58 106.44 102.90 98.84 43 119.04 116.24 113.04 109.36 105,12 44 126.26 123.42 120.12 116.29 111.87 45 134.05 131.14 127.72 123.75 119.15 46 142.46 139.48 135.96 131.84 127.04 47 151.57 148.51 144.87 140.60 135.69 48 161.42 158.29 154.55 150.11 144.89 49 172.08 168.87 165.01 160.40 154.95 50 183.59 180.31 176.32 171.54 165.86 51 196.00 192.65 188.54 183.59 177.67 52 209.36 205.93 201.71 196.59 190.43 53 223.71 220.23 215.90 210.60 204.21 54 239.09 235.56 231.11 225.66 219.05 55 255.49 251.91 247.38 241.78 234.93 56 272.94 269.34 264.74 258.99 251.88 57 291.47 287.86 283.18 277.26 269.88 58 311,05 307.45 302.69 296.60 288.95 59 331.68 328.07 323.24 316.99 309.09 60 353.31 349.72 344.83 338.44 330.30 64 *gjp^ MEAN RESERVES 4^ 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 6 7 8 9 lO 20 40.98 37.79 34.43 30.86 27.08 21 41.79 38.56 35.14 31.51 27.66 22 42.64 39.37 35.89 32.19 28.27 23 43.54 40.20 36.66 • 32.90 28.89 24 44.47 41.08 37.48 33.64 29.55 25 45.45 42.00 38.32 34.41 30.24 26 46.46 42.95 39.20 35.20 30.94 27 47.52 43.94 40.12 36.04 31.69 28 48.64 44.99 41.10 36.93 32.48 29 49.88 46.16 42.18 37.93 33.39 30 51.29 47.50 43.45 39.11 34.47 31 52.92 49.06 44.94 40.51 35.77 32 54.84 50.92 46.72 42.21 37.38 33" 57.07 53.09 48.82 44.24 39.29 34 59.64 55.60 51.27 46.59 41.51 35 62.57 58.49 54.07 49.27 44.00 36 65.91 61.76 57.24 52.25 46.73 Z7 69.65 65.41 60.73 55.52 49.70 38 73.81 69.43 64.54 59.06 52.89 39 78.35 73.79 68.66 62.86 56.33 40 83.26 78.48 73.06 66.94 60.03 41 88.54 83.51 77.80 71.34 64.02 42. 94.21 88.92 82.91 76.08 68.34 43 100.27 94.72 88.39 81.18 72.98 44 106.79 100.97 94.30 86.68 77.97 45 113.83 107.71 100.68 92.61 83.37 46 12i.47 ' 115.04 107.61 99.07 89.28 47 129.77 122.99 115.16 106.12 95.72 48 138.77 131.65 123.39 113.82 102.79 49 148.55 141.06 132.34 122.22 110.54 50' 159.16 151.28 142.09 131.41 119.01 "31 170.65 162.40 152.73 141.44 128.25 52. . 183.10 174.45 -164.28 152.31 138.27 53 196.58 187.51 176.77 164.08 149.13 54 ' 211.09 201.57 190.23 176.76 160.84 55- 226.62 216.61 204.63 190.35 173.40 56 243.20 232.68 220.03 204.90 186.86 57 260.82 249.78 236.45 220.43 201.26 58 279.51 267.95 253.91 236.98 216.62 •S"^ .^'^. 299.26 287.17 272.42 254.55 232.97 66- ■^'^ 320.10 307.49 292.02 273.20 250.41 COMB. EXP. 65 MEAN RESERVES ^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 11 12 13 14 15 20 23.06 18.81 14.28 9.48 4.37 21 23.57 19.22 14.60 9.69 4.47 22 24.09 19.65 14.93 9.90 4.56 23 24.63 20.09 15.27 10.13 4.66 24 25.20 20.56 15.62 10.36 4.76 25 25.79 21.05 16.00 10.61 4.87 26 26.40 21.5^ 16.38 10.86 4.98 27 27.04 22.08 16.78 11.13 5.10 28 27.73 22.65 17.23 11.44 5.24 29 28.53 23.34 17.78 11.83 5.41 30 29.50 24.19 18.49 12.33 5.62 31 30.70 25.25 19.36 12.93 5.87 32 32.18 26.56 20.42 13.66 6.17 33 * 33.94 28.08 21.62 14.46 6.50 34 35.94 29.79 22.96 15.34 6.S6 35 38.16 31.66 24.39 16.29 7.24 36 40.56 33.66 25.94 17.31 7.66 37 -43.16 35.82 27.61 18.42 8.12 38 45.95 38.17 29.43 19.63 8.63 39 48 98 40.71 31.41 20.95 9.18 40 52.23 43.44 33.53 22.36 9.77 41 55.75 46.40 35.83 23.90 10.42 42 59.56 49.60 38.33 25.57 11.12 43 63.64 53.04 41.01 27.35 11.86 44 68.05 56.76 43.90 29.29 12.69 45 72.82 60.78 47.05 31.41 13.58 46 78.05 65.21 50.55 33.78 14.58 47 83.78 70.10 54.42 36.40 15.68 48 90.10 75.50 58.68 39.28 16.88 49 97.03 81.42 63.35 42.42 18.19 50 104.61 87.88 68.44 45.86 19:63 51 112.86 94.92 74.00 49.63 21.19 52 121.82 102.57 80.06 53.72 ' 22.89 53 131.54 110.89 86.64 58.18 24.75 54 142.04 119.88 93.77 63.01 26.75 55 153.31 129.54 101.43 68.19 28.89 56 165.41 139.93 109.68 73.81 31.22 57 178.36 151.07 118.58 79.89 33.73 58 192.22 163.04 128.18 86.46 36.44 59 207.04 175.90 138.51 93.54 39.37 60- 222.90 189.70 149.64 10L23 - 42.53 Age 6 7 8 9 lO 20 20.10 16.39 12.48 8.35 3.98 21 20.46 16.69 12.71 8.50 4.05 22 20.84 17.01 12.96 8.67 4.12 23 21.24 17.35 13.22 8.84 4.21 24 21.67 17.70 13.49 9.03 4.29 25 22.12 18.07 13.78 9.21 4.37 26 22.58 18.46 14.07 9.41 4.47 27 23.07 18.86 14.38 9.62 4.56 28 23.57 19.27 14.70 9.83 4.66 29 24.10 19.71 15.04 10.06 4.76 30 24.65 20.16 15.39 10.30 4.87 31 25.22 20.64 15.75 10.54 4.98 32 25.82 21.13 16.13 10.80 5.10 33 - 26.47 21.68 16.56 11.09 5.24 34 27.22 22.32 17.08 11.47 5.41 35 28.15 23.14 17.76 11.95 5.62 36 29.28 24.15 18.59 12.53 5.87 37 • 30.69 25.39 19.60 13.23 6.17 38 '32.35 26.83 20.75 14.00 6.50 39 34.21 28.42 22.00 14.83 6.86 40 36.26 30.15 23.33 15.72 7.24 41 38.46 31.99 24.76 16.69 7.66 42 40.81 33.97 26.31 17.73 8.12 43 43.35 36.11 27.99 18.87 8.63 44 46.11 38.44 29.82 20.11 9.18 45 49.08 40.96 31.79 21.44 9.77 46 52.31 43.69 33.93 22.89 10.42 47 55.82 46.65 36.26 24.48 11.12 48 59.59 49.84 38.77 26.17 11.86 49 63.67 53.30 41.47 28.01 12.69 50 68,09 57.04 44.42 30.02 13.58 51 72.94 61.17 47.71 32.28 14.58 52 78.27 65.74 51.34 34.77 15.68 53 84.15 70.79 55,36 37.52 16.88 54 90.61 76.31 59.73 40.50 18.19 55 97.66 82.34 64.52 43.77 19.63 56 105.34 88.92 69.74 47.35 21.19 57 113.66 96.05 75.42 51.23 22.89 58 122.70 103.81 81.59 55.47 24.75 59 132.45 112.19 88.27 60.05 26.75 60 142.92 121.19 95.45 64.97 28.89 American Experience 3^% 71 ^Expf NET PREMIUMS 3^^ FULL PRELIMINARY TERM First Year Premiums RENEWAL PREMIUMS Ordinary Life 30 Payment Life 15 Payment Life lo Payment Life Age All Forms 20 7.54 13.77 21.76 26.86 37.87 21 7.59 14.08 22.11 27.29 38.48 22 7.64 14.41 22.48 27.74 39.11 23 7.69 14.75 22.87 28.21 39.76 24 7.74 15.10 23.27 28.70 40.44 25 7.79 15.48 23.69 29.20 41.14 26 7.85 15.88 24.12 29.72 41.87 27 7.92 16.29 24.57 30.27 42.63 28 7.99 16.73 25.03 30.83 43.41 29 8.06 17.19 25.52 31.42 44.22 30 8.14 17.68 26.02 32.02 45.06 31 8.22 18.19 26.55 32.66 45.93 32 8.32 18.73 27.10 33.31 46.83 33 8.43 19.30 27.67 33.99 47.77 34 8.53 19.91 28.27 34.70 48.74 35 8.64 20.55 28.89 35.44 49.74 36 * 8.78 21.22 29.54 36.20 50.78 37 8.92 21.94 30.23 37.00 51.86 38 9.09 22.70 30.94 37.83 52.98 . 39 9.26 23.50 31.69 38.70 54.14 40 9.46 24.36 32.48 39.60 55.35 41 ' 9.67 25.26 33.30 40.54 56.60 42 9.91 26.23 34.17 41.53 57.89 43 10.16 27.26 35.09 42.56 59.24 44 10.46 28.35 36.06 43.64 60.64 45 10.79 29.51 37.09 44.77 62.10 46 11.17 30.75 38.17 45.96 63.61 47 11.60 32.07 39.33 47.21 65.18 48 12.09 33.48 40.55 48.52 66.82 49 12.66 34.99 41.84 49.89 68.52 50 13.31 36.59 43.22 51.34 70.28 51 14.05 38.29 44.69 52.86 72.12 52 14.87 40.11 46.25 54.47 74.02 53 15.78 42.06 47.91 56.16 76.00 54 16.80 44.13 49.69 57.95 78.06 ^ 55 17.94 46.34 51.60 59.84 80.21 56 19.21 48.71 53.64 61.84 82.45 57 20.61 51.23 55.83 63.97 84.78 58 22.16 53.94 58.19 66.24 87.23 59 23.89 56.83 60.72 68.66 89.79 60 25.79 59.92 63.44 71.25 92.48 61 27.90 63.23 62 30.23 66.78 63 32.79 70.58 64 35.63 74.65 65 38.77 79.02 n AMER. EXP. NET PREMIUMS 3^96 FULL PRELIMINARY TERM Endowments First Year RENEWAL PREMIUMS Premiums End. End. End. Age All Forms 20 Year 15 Year lo Year 20 7.54 41.36 58.98 97.05 21 7.59 41.40 59.01 97.08 22 7.64 41.45 59.05 97.11 23 7.69 41.50 59.09 97.14 24 7.74 • 41.55 59.13 97.17 25 7.79 41.61 59.18 97.21 26 7:85 41.67 59.23 97.25 27 7.92 41.74 59.28 97.29 28 7.99 41.82 59.34 97.33 29 8.06 41.90 59.40 97.38 30 8.14 41.99 59.47 97.44 31 8.22 42.09 59.55 97.49 32 8.32 42.21 59.63 97.56 33; 8.43 42.33 59.73 97.63 34 8.53 42.47 59.83 97.71 35 8;64 42.63 59.95 97.79 36 8.78 42.80 60.07 97.89 37 8.92 43.00 60.22 97.99 38 9.09 43.22 60.38 98.10 39 9:26 43.47 60.56 98.23 40 9.46 43.75 60.76 98.37 41 9.67 44.06 60.99 98.54 42 9.91 44.42 61.25 98.72 43 10.16 44.82 61.54 98.93 44 10.46 45.26 61.88 99.16 45 10.79 45.77 62.25 99.43 46 11.17 46.34 62.68 99.74 47 11.60 46.97 63.16 100.09 48 12.09 47.68 63.70 100.49 49 12.66 48.47 64.30 100.93 50' 13.31 49.35 64.98 101.43 51 i 14.05 50.33 65.73 101.99 52, 14.87 5L42 66.57 102.61 53 15.78 52.62 . 67.50 103.30 54. 16.80 53.96 68.53 104.07 55 17.94 55.43 69.68 104.92 56 19.21 57.07 70.96 105.87 57 20.61 58.87 72.38 106.93 58 22.16 60.85 73.96 108.10 59 23.89 63.03 75.71 109.41 60 25.79 65.43 77.64 110.86 73 "^p!^ net premiums y/i% Per $i,ooo of Insurance, increasing by a similar Amount Yearly, and terminating entirely at end of period. Mortuary or Increasing Additions FULL LEVEL PREMIUMS Age 20 Yrs. 15 Yrs. 10 Yrs. 20 76.21 58.26 40.44 21 77.19 58.84 40.77 22 78.25 59.47 41.12 23 79.41 60.15 41.49 24 80.68 60.90 41.90 25 82.08 61.72 42.34 26 83.62 62.62 42.81 27 85.33 63.59 43.33 28 87.24 64.66 43.89 29 89.36 65.83 44.51 30 • 91.76 67.13 45.19 31 94.45 68.56 45.93 32 97.49 70.16 46.75 33 " 100.91 71.95 47.64 34 104.74 73.95 48.62 35 109.03 76.22 49.72 36 113.83 78.78 50.93 37 - 119.19 81.68 52.29 38 125.16 84.95 53.81 39 131.79 88.62 55.53 40 139.13 92.75 57.49 41 147.24 97.38 59.71 42 156.19 102.55 62.25 43 166.03 108.31 65.12 44 176.82 114.71 68.35 45 188.61 121.79 71.98 46 201.49 129.62 76.04 47 215.50 138.26 80.57 48 230.69 147.75 85.61 49 247.12 158.16 91.20 50 • 264.82 169.55 97.37 51 283.81 181.99 104.20 52 304.08 195.55 111.71 53 325.57 210.29 119.99 54 348.18 226.28 129.07 55 371.80 243.57 139.02 56 396.34 262.20 149.94 57 421.68 282.17 161.86 58 447.78 303.43 174.88 59 474.58 325.90 189.07 60 502.00 349.48 204.49 74 AMER. EXP. TERMINAL RESERVES 3^% Ordinary Life FULL PRELIMINARY TERM YEARS. Age I •2 3 4 5 20 0.00 6.45 13.13 20.04 27.21 21 0.00 6.72 13.68 20.89 28.36 22 0.00 7.01 14.27 21.79 29.57 22, 0.00 7.31 14.88 22.72 30.83 24 0.00 7.63 15.52 23.70 32.16 25 0.00 7.96 16.19 24.72 33.54 26 0.00 8.30 16.90 25.79 34.99 27 0.00 8.76 17.63 26.91 36.52 28 0.00 9.04 18.40 28.09 38.11 29 0.00 9.45 19.22 29.33 39.78 30 0.00 9.87 20.08 30.62 41.52 31 0.00 10.31 20.96 31.97 43.36 32 0.00 10.76 21.89 33.39 45.27 33 0.00 11.25 22.88 34.89 47.29 34 0.00 11.76 . 23.91 36.45 49.39 35 0.00 12.29 24.98 38.07 . 51.58 36 0.00 12.85 26.10 39.78 53.87 Z7 0.00 13.43 27.28 41.55 56.27 38 0.00 14.04 28.51 43.43 58.79 39 0.00 14.68 29.80 45.39 61.43 40 0.00 15.36 31.17 47.45 64.19 41 0.00 16.06 32.60 49.59 67.06 42 coo 16.81 34.08 51.84 70.04 43 0.00 17.57 35.63 54.15 73.13 44 0.00 18.38 37.23 56.55 76.32 45 0.00 19.20 38.89 59.02 79.57 46 0.00 20.07 40.60 61.54 82.89 47 0.00 20.95 42.33 64.10 86.26 48 0.00 21.84 44.08 66.71 89.69 49 0.00 22.74 45.87 69.37 93.19 50 0.00 23.67 47.71 72.09 96.77 51 0.00 24.62 49.59 74.87 100.42 52 0.00 25.60 51.52 77.71 104.13 53 0.00 26.59 53.48 80.59 107.91 54 0.00 27.62 55.47 83.53 • 111.76 55 0.00 28.65 57.51 86.53 115.66 56 0.00 29.71 59.59 89.58 119.63 57 0.00 30.80 61.71 92.67 123.63 58 0.00 31.89 63.84 95.78 127.66 59 0.00 33.00 66.00 98.93 131.73 60 0.00 34.12 68.17 102.10 135.82 61 0.00 35.26 70.38 105.30 139.91 62 0.00 36.41 72.60 108.48 143.98 63 0.00 37.56 74.80 111.63 147.99 64 0.00 38.69 76.96 114.74 151.92 65 0.00 39.82 79.11 117.79 155.78 75 ^^ TERMINAL RESERVES y/i% Ordinary Life FULL PRELIMINARY TERM 1 k^EARS Age 6 7 8 9 lO 20 34.63 42.31 50.26 58.49 67.00 21 36.09 44.09 52.38 60.95 69.82 22 37.62 45.97 54.59 63.52 72.76 23 39.23 47.92 56.91 66.22 75.85 24 40.91 49.97 59.35 69.04 79.06 25 42.67 52.12 61.89 71.98 82.42 26 44.51 54.36 64.54 75.06 85.94 27 46.45 56.71 67.32 78.29 89.62 28 48.46 59.16 70.23 81.66 93.46 29 50.58 61.74 73.27 85.18 97.46 30 52.80 64.44 76.46 88.86 101.65 31 55.11 67.26 79.78 92.70 106.01 32 57.54 70.19 83.25 96.70 110.57 33 60.08 73.27 86.87 100.90 115.34 34 62.73 76.49 90.67 105.27 120.31 35 65.50 79.84 94.62 109.84 125.48 36 68.40 83.36 98.76 114.60 130.87 37 71.43 87.03 103.07 119.56 136.47 38 74.61 90.87 107.58 124.71 142.28 39 77.92 94.87 112.25 130.06 148.29 40 81.39 99.03 117.11 135.60 154.48 41 ' 84.98 103.34 122.12 141.29 160.82 42 88.70 107.79 127.28 147.12 167.31 43 92.54 112.36 132.54 153.08 173.93 44 96.48 117.03 137.93 159.16 180.68 45 100.50 121.79 143.41 165.34 187.54 46 104.59 126.64 149.00 171.63 194.51 47 108.76 131.57 154.67 178.01 201.56 48 112.99 136.58 160.42 184.48 208.71 49 117.31 141.68 166.27 191.04 215.96 50 121.71 146.87 172.22 197.71 223.30 51 126.19 152.15 178.26 204.47 230.72 52 130.74 157.52 184.38 211.30 238.21 53 135.38 162.95 190.58 218.20 245.76 54 140.08 168.46 196.84 225.15 253.36 ' 55 144.85 174.03 203.15 232.16 261.00 56 149.67 179.65 209.51 239.20 268.64 57 154.53 185.31 215.91 246.24 276.26 58 159.42 190.99 222.29 253.26 283.82 59 164.34 196.67 228.66 260.23 291.30 60 169.26 202.33 234.98 267.11 298.67 61 174.16 207.96 241.22 273.89 305.89 62 179.01 213.49 247.36 280.53 312.97 63 183.77 218.92 253.34 287.01 319.96 64 188.44 224.20 259.19 293.43 327.00 65 192.98 229.37 264.99 299.91 334.26 76 AMER. EXP. TERMINAL RESERVES ^ ^1 5^% Ordinary Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 75.82 84.94 94.37 104.12 114.19 21 79.00 88.49 98.30 108.44 118.93 22 82.32 92.20 102.41 112.97 123.87 23 85.79 96.08 106.71 117.69 129.02 24 89.42 100.13 111.19 122.61 134.39 25 93.21 104.36 115.87 127.74 139.98 26 97.17 108.77 120.74 133.09 145.81 27 101.31 113.38 125.83 138.66 151.88 28 105.63 118.18 131.13 144.47 158.21 29 110.14 123.20 136.66 150.52 164.80 30 114.84 128.43 142.42 156.84 171.65 31 119.74 133.88 148.43 163.39 178.77 32 124.86 139.56 154.68 170.22 186.15 33 130.20 145.48 161.19 177.30 193.81 34 135.76 151.65 167.94 184.64 201.72 35 141.55 158.04 174.93 192.22 209.85 36 147.56 164.67 182.17 200.02 218.22 37 153.79 171.52 189.61 208.04 226.78 38 160.25 178.58 197.26 216.26 235.56 39 166.89 185.83 205.10 224.68 244.52 40 173.71 193.26 213.13 233.27 253.66 41 180.68 200.86 221.32 242.02 262.96 42 187.81 208.61 229.65 250.93 272.39 43 195.08 216.49 238.12 259.95 281.93 44 202.47 224.50 246.71 269.09 291.60 45 209.98 232.61 255.41 278.34 301.35 46 217.58 240.83 264.21 287.67 311.18 47 225.28 249.14 273.09 297.08 321.06 48 233.07 257.53 282.04 306.53 330.98 49 240.96 266.01 291.05 316.05 340.95 50 248.93 274.56 300.13 325.61 350.94 51 256.97 283.16 309.26 335.21 360.93 52 265.07 291.83 318.42 344.79 370.88 53 273.22 300.52 327.58 354.35 380.78 54 281.41 309.21 336.71 363.86 390.58 55 289.59 317.88 345.79 373.27 400.25 56 297.76 326.50 354.78 382.57 409.78 57 305.88 335.03 363:66 391.70 419.13 58 313.90 343.44 zn.zj 400.68 428.38 59 321.81 351.70 380.93 409.55 437.60 60 329.57 359.81 389.40 418.41 446.94 61 337.19 367.82 397.86 427.40 456.51 62 344.72 375.86 406.48 436.65 466.46 63 352.28 384.05 415.37 446.30 476.87 64 360.01 392.55 424.70 456.46 487.81 65 368.11 401.54 434.58 467.20 499.39 7Z ^P^ TERMINAL RESERVES ^l^% Ordinary Life FULL PRELIMINARY TERM YEARS Age l6 17 i8 19 20 21 20 124.61 135.37 146.48 157.94 169.76 181.94 21 129.76 140.94 152.47 164.37 176.62 189.28 22 135.13 146.74 158.72 171.06 183.79 196.90 23 140.72 152.78 165.22 178.03 191.23 204.82 24 146.54 159.07 171.98 185.28 198.97 213.04 25 152.60 165.61 179.02 192.81 206.99 221.57 26 158.92 172.43 186.34 200.63 215.33 230.40 27 165.50 179.53 193.94 208.76 223.95 239.53 28 172.35 186.90 201.84 217.17 232.88 248.95 29 179.47 194.56 210.02 225.88 242.09 258.64 30 186.88 202.49 218.50 234.87 251.57 268.59 31 194.54 210.71 227.24 244.11 261.30 278.79 32 202.49 219.19 236.24 253.61 271.28 289.22 33 210.70 227.93 245.49 263.35 281.49 299.88 34 219.15 236.91 254.97 273.31 291.92 310.75 35 227.82 246.10 264.66 283.49 302.54 321.80 36- 236.72 255.52 274.57 293.87 313.37 333.04 37 245.82 265.13 284.68 304.43 324.36 344.43 38 255.13 274.94 294.96 315.15 335.51 355.97 39 264.62 284.92 305.41 326.04 346.80 367.63 40 274.27 295.06 . 316.01 337.07 358.21 379.39 41 284.07 305.34 326.73 348.20 369.72 391.22 42 294.00 315.74 337.57 359.43 381.29 403.10 43 304.05 326.24 348.48 370.71 392.90 415.00 44 314.19 336.83 359.46 382.04 404.54 426.90 45 324.41 347.46 370.47 . 393.39 416.17 438.76 46 334.68 358.14 381.51 404.74 427.77 450.55 47 345.00 368.84 392.55 416.05 439.30 462.25 48 355.34 379.55 403.56 427.30 450.74 473.81 49 365.70 390.24 414.52 438.48 462.07 485.23 50 376.05 400.90 425.42 449.55 473.25 496.46 51 386.37 411.49 436.20 460.48 484.26 507.51 52 396.63 421.97 446.86 471.24 495.08 518.42 53 406.78 432.32 457.34 481.81 505.75 529.25 54 416.82 442.52 467.66 492.26 516.39 540.11 55 426.68 452.54 477.84 502.65 527.05 551.10 56 436.38 462.44 487.98 513.10 537.86 562.31 57 445.98 472.31 498.19 523.71 548.91 573.81 58 455.54 482.25 508.57 534.58 560.27 585.64 59 465.19 492.38 519.24 545.78 571.99 597.84 60 475.06 502.84 530.28 557.38 584.12 610.28 61 485.27 513.69 541.74 569.43 596.51 623.04 62 495.92 525.00 553.69 581.76 609.27 636.32 63 507.05 536.83 565.96 594.51 622.58 650.46 64 518.75 549.02 578.68 607.85 636.82 665.71 65 530.87 561.72 592.07 622.20 652.26 681.96 7S ^™ TERMINAL RESERVES yA% 20 Payment Life FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 14.78 30.15 46.13 62.76 21 0.00 15.10 30.80 47.14 6443 22 0.00 15.44 31.49 48.19 65.55 23 0.00 15.79 32.20 49.27 67.02 24 0.00 16.15 32.94 50.39 68.54 25 0.00 16.52 33.69 51.55 70.10 26 0.00 16.90 34.48 52.74 71.74 27 0.00 17.31 35.29 53.98 73.41 28 0.00 17.71 36.12 55.25 75.13 29 0.00 18.14 36.99 56.57 76.92 30 0.00 18.58 37.89 57.93 78.76 31 0.00 19.04 38.80 59.33 80.66 32 0.00 19.50 39.75 60.79 82.62 33 0.00 19.99 40.74 62.29 84.65 M 0.00 20.49 41.76 63.83 86.73 35 0.00 21.01 42.81 65.41 88.87 36 0.00 21.54 43.88 67.05 91.07 37 0.00 22.08 44.99 68.72 93.34 38 0.00 22.65 46.13 70.46 95.68 39 0.00 23.23 47.31 72.25 98.09 40 0.00 23.84 48.53 74.11 100.57 41 0.00 24.47 49.80 76.00 103.12 42 0.00 25.12 51.09 77.95 105.71 43 0.00 25.77 52.42 79.93 108.35 44 0.00 26.46 53.77 81.95 111.02 45 0.00 27.14 55.13 83.99 113.70 46 0.00 27.84 56.53 86.04 116.38 47 0.00 28.55 57.90 88.06 119.04 48 0.00 29.24 59.27 90.08 121.68 49 0.00 29.94 60.64 92.10 124.32 50 0.00 30.64 62.01 94.12 126.96 51 0.00 31.34 63.39 96.14 129.59 52 0.00 32.06 64.77 98.16 132.20 53 0.00 32.76 66.16 100.17 134.80 54 0.00 33.48 67.55 102.19 137.41 55 0.00 34.20 68.93 104.21 140.00 56 0.00 34.93 70.34 106.23 142.58 57 0.00 35.67 71.75 108.25 145.13 58 0.00 36.40 73.16 110.24 147.65 59 0.00 37.14 74.56 112.23 150.15 60 0.00 37.88 75.95 114.21 152.62 i79 ^l^- TERMINAL RESERVES 3^^ 20 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 80.05 98.04 116.75 136.22 156.46 21 81.79 100.17 119.29 139.17 159.85 22 83.60 102.38 121.91 142.22 163.34 23 85.47 104.66 124.62 145.38 166.97 24 87.41 107.02 127.43 148.64 170.70 25 89.40 109.46 130.32 152.00 174.55 26 91.48 111.99 133.32 155.49 178.51 27 93.60 114.58 136.39 159.07 183.63 28 95.79 117.26 139.57 162.75 186.85 29 98.06 120.03 142.85 166.56 191.19 30 100.40 122.88 146.23 170.48 195.67 31 102.81 125.82 149.70 174.51 200.26 32 105.30 128.84 153.28 178.64 204.99 33. 107.86 131.96 156.96 182.91 209.85 34 110.50 135.15 160.74 187.29 214.85 35 113.20 138.44 164.63 191.79 219.96 36 115.99 141.83 168.63 196.41 225.21 37 118.85 145.31 172.72 201.13 230.56 38 121.82 148.89 176.93 205.97 236.03 39 124.85 152.56 181.23 210.90 241.59 40 127.97 156.30 185.61 215.91 247.22 41 131.15 160.13 190.07 220.98 252.88 42 134.39 164.01 194.56 226.07 258.58 43 137.68 167.91 199.07 231.18 264.27 44 140.98 171.82 203.58 236.27 269.94 45 144.27 175.72 208.07 241.34 275.57 46 147.57 179.62 212.56 246.40 281.18 47 150.84 183.48 216.98 251.38 286.69 48 154.09 187.31 221.38 256.30 292.14 49 157.32 191.12 225.72 261.16 297.50 50 160.55 194.89 230.02 265.97 302.78 51 163.75 198.63 234.27 270.69 307.95 52 166.92 202.33 238.45 275.32 312.98 53 170.08 205.99 242.57 279.85 317.89 54 173.22 209.61 246.63 284.29 322.69 55 176.32 213.17 250.58 288.61 327.31 56 179.38 216.67 254.46 292.81 331.76 57 182.41 220.11 258.24 296.85 336.00 58 185.39 223.47 261.89 300.72 340.02 59 188.32 226.72 265.39 304.38 343.75 60 191.17 229.86 268.73 307.80 347.18 80 *i^ TERMINAL RESERVES yA% 20 Payment Life FULL PRELIMINARY TERM VEARS Age II 13 13 14 15 20 177.53 199.45 222.25 245.97 270.66 21 181.36 203.74 227.02 251.24 276.45 22 185.32 208.17 231.95 256.68 282.42 23 189.41 212.76 237.05 262.31 288.59 24 193.63 217.49 242.30 268.11 294.94 25 198.00 222.37 247.72 274.08 301.49 26 202.50 227.42 253.31 280.24 308.24 27 207.13 232.58 259.05 286.55 315.15 28 211.89 237.91 264.94 293.05 322.27 29 216.79 243.38 271.01 299.73 329.58 30 221.84 249.02 277.26 306.61 337.09 31 227.01 254.80 283.66 313.63 344.78 32 232.34 260.74 290.23 320.86 352.65 33 237.82 266.84 296.98 328.24 360.70 34 243.43 273.10 303.86 335.78 368.90 35 249.18 279.48 310.89 343.46 377.23 36 255.06 285.99 318.05 351.26 385.66 37 261.05 292.62 325.30 359.14 394.19 38 267.15 299.34 332.64 367.11 402.79 39 273.32 306.12 340.04 375.13 411.44 40 279.55 312.96 347.49 383.18 420.12 41 285.82 319.82 354.95 391.25 428.80 42 292.10 326.70 362.41 399.31 437.47 43 298.38 333.55 369.84 407.32 446.08 44 304.61 340.35 377.20 415.25 454.60 45 310.81 347.09 384.49 423.10 463.02 46 316.95 353.77 391.71 430.86 471.34 47 322.99 360.32 398.77 438.44 479.46 48 328.94 366.76 405.71 445.87 487.36 49 334.77 373.07 412.46 453.09 495.12 50 340.51 379.23 419.06 460.11 502.61 51 346.09 385.17 425.45 466.93 509.81 52 351.51 391.00 431.60 473.44 516.75 53 356.78 396.61 437.50 479.66 523.33 54 361.89 401.99 443.15 485.58 529.54 55 366.76 407.09 448.46 491.09 535.31 56 371.41 411.90 453.41 496.20 540.61 57 375.80 416.39 457.99 500.85 545.41 58 379.89 420.52 462.11 505.01 549.71 59 383.64 424.21 465.75 508.67 553.51 60 - 387.00 427.47 468.93 511.87 556.89 8i *i^- TERMINAL RESERVES 3^^ 20 Payment Life FULL PRELIMINARY TERM YEARS Age i6 17 i8 19 20 20 296.36 323.09 350.93 379.89 410.03 21 302.67 329.97 358.37 387.93 418.69 22 309.19 337.05 366.04 396.21 427.62 23 315.92 344.37 373.96 404.76 436.81 24 322.86 351.89 382.11 413.55 446.28 25 329.99 359.65 390.50 422.61 456.00 26 337.35 367.60 399.11 431.88 466.00 27 344.89 375.82 407.96 441.43 476.26 28 352.65 384.23 417.08 451.24 486.77 29 360.60 392.85 426.38 461.25 497.52 30 368.78 401.71 435.93 471.51 508.49 31 377.12 410.73 445.65 481.94 519.67 32 385.67 419.95 455.57 492.57 531.04 33 394.38 429.35 465.65 503.37 542.58 34 403.25 438.89 475.89 514.33 554.30 35 412.23 448.55 486.25 525.41 566.15 36 . 421.33 458.32 496.72 536.62 578.13 37 430.50 468.17 507.26 547.91 590.22 38 439.76 478.09 517.90 559.28 602.39 39 449.05 488.06 528.57 570.71 614.63 40 458.38 498.05 539.26 582.17 626.92 41 467.69 508.03 549.96 , 593.64 639.24 42 476.99 518.00 560.64 605.09 651.55 43 486.20 527.87 571.26 616.46 663.83 44 - 495.36 537.68 581.75 627.78 676.07 45 504.38 547.35 592.13 638.99 688.24 46 513.29 556.90 602.37 650.07 700.30 47 521.95 566.23 612.46 660.97 712.23 48 530.49 575.34 622.31 671.68 724.01 49 538.75 584.23 631.90 682.18 735.60 50 546.77 592.82 641.20 692.38 746.98 51 554.45 601.08 650.22 702.29 758.13 52 561.82 609.02 658.83 711.89 769.04 53 568.81 616.54 667.07 721.13 779.72 54 575.41 623.61 674.88 730.03 790.18 55 581.50 630.24 682.28 738.58 800.48 56 587.11 636.36 689.24 746.85 81062 57 592.22 642.03 695.81 754.79 820.64 58 596.85 647.26 702.02 762.46 830.54 59 601.01 652.05 707.77 769.83 840.32 60 604.75 656.43 713.21 776.88 849.97 82 ^^ TERMINAL RESERVES 3^^ 15 Payment Life FULL PRELIMINARY TERM YEARS > Age I 2 3 4 5 20 0.00 20.10 41.02 62.79 85.45 21 0.00 20.50 41.84 64.05 87.17 22 0.00 20.92 42.70 65.37 88.96 23 0.00 21.36 43.59 66.72 90.80 24 0.00 21.81 44.51 68.13 92.71 25 0.00 22.30 45.45 69.58 94.68 26 0.00 22.75 46.44 71.07 96.71 27 0.00 23.26 47.45 72.62 98.82 28 0.00 23.76 48.49 74.22 100.99 29 0.00 24.30 49.57 75.87 103.22 30 0.00 24.85 50.69 77.57 105.53 31 0.00 25.41 51.83 79.31 107.91 32 0.00 25.99 53.01 81.12 110.35 33 0.00 26.59 54.24 82.98 112.88 34 0.00 27.21 55.50 84.91 115.47 35 0.00 27.84 56.78 86.86 118.12 36 0.00 28.50 58.11 88.88 120.85 37 0.00 29.16 59.46 90.94 123.65 38 0.00 29.86 60.86 93.07 126.52 39 0.00 30.56 62.29 95.25 129.48 40 0.00 31.29 63.77 97.49 132.50 41 0.00 32.03 65.28 99.78 135.58 42 0.00 32.81 66.83 102.12 138.72 43 0.00 33.58 68.41 104.49 141.91 44 0.00 34.38 70.00 106.89 145.10 45 0.00 35.18 71.61 109.31 148.31 46 0.00 36.00 73.23 111.72 151.50 47 0.00 36.81 74.83 114.10 154.66 48 0.00 37.60 76.40 116.45 157.78 49 0.00 38.39 77.96 118.77 160.86 50 O.OQ 39.17 79.51 121.08 163.91 51 0.00 39.94 81.04 123.34 166.90 52 0.00 40.70 82.54 125.56 169.82 53 0.00 41.45 84.01 127.73 172.67 54 0.00 42.19 85.45 129.85 175.46 55 0.00 42.90 86.85 131.91 178.14 56 0.00 43.60 88.22 133.91 180.73 57 0.00 44.29 89.55 135.83 183.21 58 0.00 44.95 90.82 137.65 185.54 59 0.00 45.59 92.03 139.39 187.76 60 0.00 46.20 93.18 141.03 189.84 83 "exp!^ terminal reserves 3^^ 15 Payment Life FULL PRELIMINARY TERM VEARS Age 6 7 8 9 lO 20 109.05 133.62 159.20 185.84 213.58 21 111.24 136.30 162.40 189.56 217.85 22 113.52 139.09 165.71 193.43 222.29 23 115.87 141.97 169.13 197.42 226.87 24 118.30 144.94 172.67 201.54 231.60 25 120.81 148.00 176.32 205.78 236.46 26 123.40 151.18 180.09 210.18 241.51 27 126.08 154.45 183.97 214.71 246.71 28 128.84 157.82 178.99 219.38 252.06 29 131.69 161.31 192.13 224.20 257.58 30 134.62 164.89 196.38 229.15 263.25 31 137.65 168.59 200.77 234.25 269.09 32 140.76 172.38 205.27 239.49 275.09 33 143.96 176.28 209.90 244.87 281.25 34 - 147.25 180.30 214.66 250.40 287.59 35 150.61 184.40 219.53 256.07 294.06 36 154.09 188.63 224.55 261.89 300.72 37 157.63 192.96 229.67 267.83 307.49 38 161.28 197.39 234.92 273.90 314.41 39 165.02 201.93 240.27 280.09 321.45 40 168.84 206.56 245.72 286.38 328.59 41 172.72 211.26 251.24 292.73 335.78 42 176.67 216.02 256.83 299.13 343.03 43 180.67 220.80 262.44 305.58 350.28 44 184.66 225.62 268.03 311.99 357.58 45 188.65 230.40 m.6Z 318.40 364.83 46 192.63 235.17 279.19 324.78 372.05 47 196.56 239.88 284.69 331.09 379.20 48 200.46 244.54 290.14 ZZLZZ 386.26 49 204.29 249.14 295.49 343.46 393.20 50 208.08 253.65 300.75 349.50 400.04 51 211.78 258.08 305.91 355.39 406.71 52 215.40 262.39 310.92 361.12 413.18 53 218.93 266.59 315.78 366.66 419.45 54 222.35 270.63 320.45 371.99 425.49 55 225.64 274.52 324.93 377.10 431.26 56 228.79 278.22 329.20 381.94 436.71 57 231.79 281.74 ZZZ.IZ 386.48 441.82 58 234.62 285.03 336.96 390.68 446.54 59 237.28 288.08 340.40 394.53 450.85 60 239.72 290.86 343.50 397.96 454.68 84' ^1^ TERMINAL RESERVES yA% 15 Payment Life FULL PRELIMINARY TERM YEARS Agre ir 12 13 14 15 20 242.47 272.56 303.90 336.54^ 370.55 21 247.32 278.00 309.96 343.25 377.95 22 252.35 283.65 316.25 350.22 385.60 23 257.53 289.47 322.74 357.39 393.49 ^24- 262.89 295.49 329.44 364.80 401.63 25 268.42 301.69 336.34 372.43 410.03 26 274.13 308.10 343.47 380.32 418.69 27 280.02 314.70 350.82 388.43 427:62 28 286.08 321.50 358.38 396.79 436.81 29 292.33 328.50 366.17 405.41 446.28 30 298.74 335.70 374.17 414.25 456.00 31 305.36 343.11 382.42 423.36 466.00 32 312.14 350.72 390.88 432.70 476.26 33 319.12 358.53 399.56 442.27 486.77 34 326.28 366.54 408.45 ' 452.08 497.52 35 333.59 374.71 417.52 462.08 508.49 36 341.10 383.10 426.81 472.31 519.67 37 348.73 391.62 436.24 482.67 531.04 ■38 356.52 400.30 445.82 493.22 542.58 39 364.42 409.08 455.54 503.90 554.30 40 372.42 417.98 465.37 514.71 566.15 41 380.48 426.94 475.27 525,61 • 578.13 42 388.61 435.97 485.25 536.61 590.22 43 396.78 445.02 495.27 547.66 602.39 44 404.91 454.11 505.33 558:76 614.63 45 413.04 463.16 515.36 569.87 626.92 46 421.13 472.17 525.38 580.98 639.24 47 429.14 481.12 535.34 592.04 651.55 48 437.08 489.99 545.22 603.05 663.83 49 444.88 498.72 554.96 613.94 676.07 50 452.57 507.32 564.58 624.75 688.24 51 460.04 515.70 574.01 635.37 700.30 52 467.35 523.92 583.27 645.84 712.23 53 474.42 531.89 592.27 656.08 724.01 54 481.22 539.56 600'.98 666.07 735.60 55 487.72 546.92 609.38 675.78 746.98 56 493.88 553.91 617.41 685.16 758.13 57 499.66 560.50 625.05 694.18 769.04 58 504.99 566.63 632.22 702.80 779.72 59 509.87 572.27 638.93 711.06 790.18 60 514.22 . 577.37 645.16 718.95 800.48 95 A^|« TERMINAL RESERVES 3^^ 10 Payment Life FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 31.59 64.50 98.79 134.51 21 0.00 32.18 65.70 100.62 137.01 22 0.00 32.78 66.94 102.52 139.59 23 0.00 33.41 68.22 104.49 142.27 24 • 0.00 34.07 69.55 106.52 145.04 25 0.00 34.74 70.92 108.62 147.89 26 0.00 35.43 72.34 110.79 150.84 27 0.00 36.15 73.81 113.03 153.90 28 0.00 36.89 75.31 115.35 157.05 29 0.00 37.66 76.88 117.74 160.31 30 0.00 38.45 78.50 120.21 163.66 31 0.00 39.27 80.15 122.75 167.13 32 0.00 4o;io 81.87 125.38 170.70 33 0.00 40.97 83.64 128.08 174.38 34 0.00 41.87 85.46 130.87 178.16 35 0.00 42.78 87.33 133.72 183.04 36 0.00 43.73 89.26 136.67 186.04 37 0.00 44.69 91.22 139.67 190.13 38 0.00 45.69 93.25 142.77 194.35 .39 0.00 46.70 95.32 145.94 198.66 40 0.00 47.75 97.46 149.20 203.08 41 0.00 48.83 99.64 152.53 207.60 42 0.00 49.93 101.87 - 155.93 212.20 43 0.00 51.04 104.14 159.38 216.87 44 0.00 52.18 106.44 162.88 221.61 45 0.00 53.32 108.76 166.41 226.36 46 0.00 54.49 111.11 169.96 231.14 47 0.00 55.65 113.44 173.49 235.91 48 0.00 56.80 115.76 177.00 240.67 49 . 0.00 57.93 118.05 180.49 245.40 50 0.00 59.06 120.34 183.97 250.10 51 0.00 60.18 122.59 187.39 254.75 52 0.00 61.28 124.81 190.76 259.32 53 0.00 62.35 126.98 194.06 263.81 54 0.00 63.40 129.10 197.28 268.20 55 0.00 64.41 131.14 200.41 272.46 56 0.00 65.39 133.13 203.43 276.58 57 0.00 66.34 135.03 206.32 280.51 58 0.00 67.22 136.82 209.04 284.24 59 0.00 68.06 138.49 211.60 287.76 60 0.00 68.82 140.04 213.98 291.05 86 ^■^ TERMINAL RESERVES y^% 10 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 171.74 210.53 250.96 293.10 337.02 21 174.93 214.44 255.62 298.54 343.28 22 178.22 218.48 260.44 304.17 349.76 23 181.64 222.67 265.43 310.00 356.46 24 185.17 227.00 270.59 316.03 363.39 25 188.82 231.47 275.92 322.25 370.55 26 192.59 236.09 281.42 328.68 377.95 27 196.49 240.87 287.12 335.34 385.60 28 200.50 245.78 292.99 342.19 393.49 29 204.66 250.88 299.06 349.28 401.63 30 208.95 256.13 305.31 356.58 410.03 31 213.36 261.54 311.76 364.11 418.69 32 217.92 267.12 318.41 371.87 427.62 33 222.61 272.87 325.25 379.86 436.81 34 227.43 278.77 332.28 388.08 446.28 35 232.38 284.84 339.52 396.53 456.00 36 237.48 291.08 346.96 405.23 46600 37 242.70 297.49 354.59 414.14 476.26 38 248.08 304.06 362.43 423.28 486.77 39 253.57 310.79 370.43 432.62 497.52 40 259.20 317.67 378.61 442.17 508.49 41 264.94 324.69 386.96 451.90 519.67 42 270.79 331.83 395.44 461.78 531.04 43 276.73 339.06 404.03 471.81 542.58 44 282.73 346.38 412.73 481.96 554.30 45 288.75 353.73 421.48 492.21 566.15 46 294.82 361.14 430.31 502.54 578.13 47 300.88 368.56 439.16 512.95 590.22 48 306.93 375.97 448.04 523.40 602.39 49 312.95 383.37 456.91 533.87 614.63 50 318.95 390.75 465.77 544.37 626.92 51 324.88 398.05 474.57 554.82 639.24 52 330.73 405.27 483.30 565.22 651.55 53 336.48 412.40 .491.94 575.56 663.83 54 342.12 419.39 500.44 585.78 676.07 55 347.59 426.20 508.76 595.87 688.24 56 352.90 432.83 516.92 605.81 700.30 57 357.98 439.23 524.83 615.52 712.23 58 362.85 445.38 532.49 625.02 724.01 59 367.45 451.22 539.83 634.23 735.60 60 371.74 456.72 546.83 643.12 746.98 87 TERMINAL RESERVES ^l^% AMER. EXP. 20 Year Endowment FULL PRELIMINARY TERM YEARS Age I ■2 3 4 5 20 0.00 35.23 71.93 110.18 150.04 21 0.00 35.22 71.92 110.17 150.02 22 0.00 35.22 71.92 110.16 150.00 23 0.00 35.22 71.92 110.15 149.99 24 0.00 35.22 71.92 110.14 149.98 25 0.00 35.22 71.92 110.14 149.97 26 0.00 35.22 71.92 110.14 149.97 27 0.00 35.22 71.92 110.14 149.97 28 0.00 35.23 71.93 110.15 149.97 29 0.00 35.24 71.94 110.16 149.98 30 0.00 35.25 71.96 110.18 150.00 31 0.00 35.26 71.98 110.20 150.02 32 0.00 35.27 72.01 110.24 150.06 33 0.00 35.29 72.05 110.29 150.11 34 0.00 35.32 72.09 110.35 150.17 35 0.00 35.35 72.14 110.42 150.25 .36 0.00 35.39 72.20 110.51 150.35 37 . 0.00 35.43 72.28 110.62 150.48 38 0.00 35.48 72.38 110.75 150.64 39 0.00 35.54 72.50 110.91 150.85 40 0.00 35.62 72.64 111.11 151.09 41 0.00 35.72 72.81 111.35 151.38 42 0.00 35.83 73.01 111.63 151.70 43 0.00 35.95 73.24 111.94 152.04 44 0.00 36.08 73.49 112.27 152.43 45 0.00 36.23 73.75 112.62 152.82 46 0.00 36.39 74.02 112.98 153.21 47 0.00 36.56 74.30 113.34 153.60 48 0.00 36.73 74.59 113.71 154.00 49 0.00 36.91 74.90 114.09 154.41 50 0.00 37.10 75.23 114.49 154.86 51 0.00 37.29 75.58 114.92 155.35 52 0.00 37.50 75.95 115.39 155.87 53 0.00 Z7.7Z 76.35 115.91 156.44 54 0.00 37.98 76.79 116.48 157.07 55 0.00 38.25 77.27 117.10 157.75 56 0.00 38.55 77.80 117.78 158.51 57 0.00 38.88 78.38 118.52 159.32 58 0.00 39.23 79.00 119.31 160.18 59 0.00 39.60 79.65 120.15 161.11 60 0.00 40.00 80.34 121.05 162.11 88 AMER. EXP. 20 Year Endowment TERMINAL RESERVES ^16% FULL PRELIMINARY TERM VEARS Age 6 7 8 9 io 20 191.58 234.87 280.00 327.05 376.09 21 191.55 234.84 279.95 327.00 376.03 22 191.53 234.81 279.91 326.95 375.97 23 191.51 234.78 279.87 326.90 375.91 24 191.49 234.75 279.84 326.85 375.85 25 191.48 234.73 279.81 326.80 375.79 26 191.47 234.71 279.78 326.75 375.73 27 191.46 234.69 279.75 326.71 375.68 28 191.45 234.68 279.73 326.68 375.63 29 191.46 234.68 279.71 326.65 375.58 30 191.47 234.68 279.70 326.62 375.53 31 191.49 234.69 279.70 326.60 375.49 32 191.52 234.71 279.71 326.59 375.46 33 191.56 234.75 279.73 326.60 375.44 34 191.62 234.81 279.77 326.62 375.45 35 191.70 234.89 279.84 326.67 375.47 36 191.81 235.00 279.94 326.75 375.52 37 191.95 235.14 280.08 326.87 375.60 38 192.13 235.32 280.26 327.02 375.71 39 192.35 235.54 . 280.48 327.20 375.84 40 192.62 235.81 280.73 327.41 375.98 41 192.94 236.12 281.01 327.64 376.11 42 193.29 236.46 281.31 327.86 376.24 43 193.66 236.82 281.61 328.07 376.35 44 194.05 237.19 281.90 328.27 376.43 45 ^ 194.44 237.52 282.17 328.45 376A7 46 194.82 237.89 282.43 328.60 376.48 47 195.20 238.22 282.68 328.73 376.46 48 195.59 238.56 282.93 328.84 376.41 49 196.00 238.91 283.18 328.94 376.34 50 196.44 239.28 283.44 329.05 376.25 51 196.91 239.68 283.72 329.17 376.11 52 197.42 240.12 284.03 329.30 376.01 53 197.98 240.60 284.38 329.44 375.92 54 198.60 241.13 284.77 329.61 375.81 55 199.28 241.72 285.20 329.81 375.71 56 200.02 242.38 285.67 330.03 375.59 57 200.82 243.08 286.17 330.26 375.44 58 201.68 243.82 286.70 330.47 375.23 59 202.59 244.60 287.24 330.65 374.94 60 203.54 245.41 287.78 330.78 374.55 89 ^^^^ TERMINAL RESERVES ^l^% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age II 12 13 14 rs ^20 427.24 480.57 536.21 594.26 654.81 21 427.17 480.49 536.12 594.16 654.71 22 427.10 480.41 536.03 594.06 654.61 23 427.03 480.33 535.94 593.96 654.51 24 426.96 480.25 535.85 593.86 654.40 25 426.89 480.16 535.75 593.75 654.28 26 426.81 480.07 535.65 593.63 654.15 27 426.73 479.98 535.54 593.50 654.01 28 426.65 479.89 535.42 593.37 653.87 29 426.58 479.80 535.30 593.24 653.72 30 426.51 479.70 535.18 593.10 653.56 31 426.45 479.60 535.06 592.96 653.40 32 426.40 479.52 534.95 592.83 653.24 33 426.36 479.45 534.84 592.69 653.05 34 * 426.34 479.39 , 534.73 592.55 625.87 35 426.34 479.34 534.63 592.40 652.67 36 426.35 479.30 534.53 592.24 652.45 37 426.38 479.27 534.43 592.03 652.21 38 426.43 479.24 534.31 591.82 651.93 39 426.46 479.20 .534.18 591.58 651.60 40 426.50 479.14 534.02 591.31 651.21 41 426.55 479.05 533.81 590.98 650.77 42 426.55 478.93 533.55 590.59 650.27 43 426.52 478.77 533.23 590.13 649.69 44 426.46 478.56 , 532.85 589.62 649.02 45 426.36 478.29 532.41 589.00 648.26 46 426.21 477.95 531.88 588.29 647.40 47 426.00 477.54 531.27 587.48 646.43 48 425.74 , 477.06 530.58 586.57 64534 49 425.44 476.53 529.80 585.56 644.12 50 425.12 475.95 528.94 584.45 642.78 51 424.77 475.31 528.01 583.23 641.31 52 424.39 474.62 527.00 581.89 639.70 53 423.98 473.87 525.90 580.43 637.93 54 423.54 473.06 524.69 578.82 635.97 55 423.07 472.17 523.36 577.05 633.85 56 422.55 471.19 521.89 575.09 631.42 57 421.96 470.09 520.24 572.88 628.75 58 421.27 468.83 518.36 570.38 625.75 59 420.40 467.34 516.21 567.62 622.45 .60 419.41 465.67 513.83 564.63 618.94 90 AMER. EXP. TERMINAL RESERVES ^16% 20 Year Endowment FULL PRELIMINARY TERM YEARS Ag:c i6 17 i8 19 20 718.01 783.99 852.87 924.83 21 717.91 783.90 852.80 924.79 22 717.81 783.81 852.73 924.75 23 717.71 783.71 852.65 924.70 24 717.61 783.61 852.57 924.64 25 717.48 783.49 852.47 924.57 26 717.35 783.36 852.36 924.50 27 717.21 783.23 852.25 924.43 28 717.06 783.09 852.14 924.35 29 716.90 782.94 852.01 924.26 30 716.73 782.77 851.86 924.19 31 716.57 782.59 851.70 924.09 32 716.36 782.41 851.53 923.96 33 716.18 782.21 851.34 923.85 34 715.95 781.99 851.13 923.72 35 715.72 781.74 850.90 923.57 36 715.45 781.45 850.64 923.40 37 715.15 781.12 850.35 923.18 38 714.81 780.75 850.02 922.96 39 714.43 780.33 849.65 922.71 40 713.99 779.86 849.23 922.45 41 713.49 779.33 848.76 922.13 42 712.88 778.73 848.20 921.78 43 712.24 778.05 847.59 921.38 44 711.47 777.28 846.90 920.93 45 710.61 776.41 846.13 920.43 46 709.64 775.43 845.29 919.84 47 708.56 774.33 844.29 919.23 48 707.35 773.10 843.20 918.51 49 705.99 771.73 842.00 917.71 50 704.49 770.22 840.65 916.83 51 702.87 768.56 839.19 915.86 52 701.07 766.70 837.54 914.78 53 699.06 764.66 835.71 913.57 54 696.90 762.40 833.67 912.24 55 694.44 759.89 831.43 910.75 56 691.73 757.11 828.95 909.12 57 688.70 754.03 826.26 907.32 58 685.38 750.66 823.26 905.33 59 681.79 747.00 819.99 903.15 60 677.95 743.10 816.45 900.75 91 TERMINAL RESERVES ^I6i% AMER. EXP. 15 Year Endowment FULL PRELIMINARY TERM YEARS Age I 3 3 4 5 20 0.00 53.60 109.48 167.73 228.48 21 0.00 53.59 109.46 167.70 228.44 22 0.00 53.58 109.44 167.67 288.39 23 0.00 53.57 109.42 167.64 228.34 24 0.00 53.56 109.40 167.61 228.29 25 0.00 53.55 109.38 167.58 228.24 26 0.00 53.54 109.36 167.54 228.19 27 0.00 53.53 109.34 167.50 228.14 28 0.00 53.52 109.31 167.46 228.09 29 0.00 53.51 109.28 167.42 228.03 30 0.00 53.50 109.25 167.38 227.97 31 0.00 53.49 109.22 167.34 227.91 32 0.00 53.48 109.19 167.30 227.85 33 , 0.00 53.47 109.16 167.26 227.79 34 0.00 53.46 109.13 167.21 227.72 35 0.00 53.45 109.11 167.16 227.65 36 0.00 53.44 109.09 167.11 227.58 37 . 0.00 53.43 109.07 167.06 227.51 38 0.00 53.42 109.05 167.02 227.44 39 0.00 53.41 109.03 166.99 227.38 40 0.00 53.41 109.03 166.97 227.34 41 0.00 53.42 109.04 166.96 227.30 42 0.00 53.44 109.05 166.96 227.26 43 0.00 53.45 109.07 166.96 227.21 44 0.00 53.47 109.09 166.95 227.17 45 0.00 53.49 109.11 166.93 227.05 46 0.00 53.52 109.12 166.89 226.93 47 O.CX) 53.53 109.10 166.82 226.77 48 0.00 53.53 109.06 166.70 226 56 49 o.uo 53.51 109.00 166.54 226.29 50 0.00 53.49 108.92 166.35 225.97 51 0.00 53.47 108.82 166.13 225.61 52 0.00 53.44 108.70 165.91 225.21 53 0.00 53.40 108.56 165.64 224.77 54 0.00 53.35 108.41 165.32 224.28 55 0.00 53.30 108.26 165.01 223.74 56 0.00 53.25 108.10 164.67 223.15 57 0.00 53.20 107.93 164.30 222.51 58 0.00 53.14 107.74 163.90 221.82 59 0.00 53.08 107.53 163.47 221.09 60 0.00 53.01 107.30 163.01 220.31 92 AM|R TERMINAL RESERVES 3^^ 15 Year Endowment FULL PRELIMINARY TERM YEARS Age 6 7 8 9 10 20 291.78 357.82 426.69 498.52 573.45 21 291.78 357.76 426.62 498.45 573.37 22 291.68 357.70 426.55 498.37 573.29 23 291.63 357.63 426.47 498.28 573.20 24 291.57 357.56 426.39 498.19 573.10 25 291.51 357.49 426.30 498.10 573.00 26 291.44 357.41 426.21 498.00 572.90 27 291.37 357.32 426.12 497.90 572.79 28 291.30 357.23 426.02 497.79 572.67 29 291.23 3^7.14 425.92 497.67 572.54 30 291.16 357.05 425.81 497.54 572.40 31 291.08 356.95 425.69 497.40 572.25 32 291.00 356.85 425.56 497.25 572.09 33 290.91 356.74 425.42 497.09 571.92 34 290.81 356.62 425.27 496.92 571.73 35 290.71 356.49 425.12 496.74 571.53 36 290.61 356.36 424.96 496.55 571.32 37 290.51 356.22 424.80 496.35 571.09 38 290.41 356.09 424.63 496.14 570.84 >0r.. 290.32 355.97 424.46 495.92 570,57 40 290.25 355.85 424.28 495.68 570.28 41 290.17 355.72 424.08 495.41 569.95 42 290.08 355.57' 423.85 495.10 569.57 43 289.97 355.39 423.57 494.74 569.13 44 289.84 355.16 423.24 494.31 568.61 ,45 -' 289.67 354.87 422.84 493.80 568.00 46' 289.44 354.52 422.36 493.20 567.30 47;; 289.15 354.09 421.79 492.50 566.49 48 288.80 353.58 421.13 491.70 565.57 49 288.38 352.99 420.38 490.80 564.54 50 287.90 352.33 419.54 489.79 563.39 51 287.36 351.60 418.61 488.66 562.11 52 286.76 350.80 417.58 487.41 560.68 53 286.10 349.92 416.44 486.03 559.10 54 285.38 348.94 415.18 484.51 557.36 55 284.59 347.85 413.80 482.85 555.46 56 283.73 346.67 412.29 481.01 553.38 57 282.79 345.38 410.65 479.03 551.10 58 281.77 343.98 408.86 476.84 548.59 59 280.67 342.46 406.90 474.43 545.82 60 279.48 340.81 404.75 471.81 542.75 93 TERMINAL RESERVES 3^^ AMER. EXP. 15 Year Endowment FULL PRELIMINARY TERM YEARS Age II 12 13 14 20 651.63 733.20 818.34 907.21 21 651.55 733.U 818.28 907.17 22 651.47 733.05 818.22 907,13 23 651.38 732.97 818.15 907.09 24 651.28 732.88 818.08 907.05 25 651.18 732.79 818.01 907.01 26 651.08 732.70 817.93 906.96 27 650.97 732.59 817.84 906.91 28 650.85 732.47 817.74 906.85 29 650.72 732.35 817.64 906.78 30 650.58 732.22 817.53 609.71 31 650.42 732.07 817.41 906.63 32 650.25 731.91 817.28 906.55 33 - 650.07 731.73 817.13 906.46 34 649.88 731.54 816.96 906.35 35 649.67 731.34 816.78 906.23 36 649.44 731.12 816.58 906.10 37 649.19 730.88 816.36 905.95 38 648.92 730.61 816.12 905.79 39 648.62 730.30 815.85 905.62 40 648.29 729.95 815.54 905.43 41 647.91 729.56 815.19 905.21 42 647.47 729.11 814.79 904.95 43 646.97 728.59 814.33 904.65 44 646.39 728.00 813.81 904.31 45 645.72 727.33 813.23 903.93 46 644.96 726.57 812.58 903.51 47 644.09 725.71 811.84 903.04 4$ 643.10 724.74 811.00 902.48 49 641.99 723.66 810.06 901.88 50 640.76 722.45 808.99 901.20 51 639.39 721.09 807.82 900.45 52 637.87 719.58 806.52 899.63 53 636.19 717.91 805.08 898.69 54 634.33 716.07 803.50 897.65 55 632.28 714.04 801.72 896.50 56 630.02 711.80 799.75 895.23 57 627.53 709.32 797.57 893.82 58 624.79 706.57 795.16 892.25 59 621.77 703.52 792.46 890.47 60 618.44 700.14 789.48 888.55 94 *^- TERMINAL RESERVES ^l^% 10 Year Endowment FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 93.33 190.64 292.12 397.97 21 0.00 93.31 190.61 292.08 397.92 22 0.00 93.29 190.58 292.04 397.87 23 0.00 93.27 190.55 292.00 397.82 24 0.00 93.25 190.52 291.95 397.76 25 0.00 93.23 190.48 291.90 397.70 26 0.00 93.21 190.44 291.85 397.64 27 0.00 93.19 190.40 291.79 397.57 2S 0.00 93.17 190.36 291.73 397.49 29 0.00 93.15 190.31 291.66 397.41 30 0.00 93.13 190.26 291.58 397.32 31 0.00 93.10 190.21 291.50 397.23 32 O.fX) 93.07 190.15 291.42 397.13 33 0.00 93.04 190.09 291.34 397.02 34 0.00 93.01 190.03 291.25 396.90 35 0.00 92.97 189.% 291.15 396.77 36 0.00 92.93 189.88 291.04 396.62 37 0.00 92.89 189.79 290.92 396.46 38 0.00 92.84 189.69 290.78 396.29 39 0.00 92.79 189.59 290.63 396.11 40 0.00 92.74 189.49 290.48 395.92 41 0.00 92.69 189.38 290.32 395.71 42 0.00 92.63 189.26 290.14 395.48 43 0.00 92.57 189.13 289.94 395.22 44 0.00 92.50 188.99 289.72 394.93 45 0.00 92.42 188.83 289.47 394.59 46 0.00 92.33 188.64 289.17 394.18 47 0.00 92.23 188.41 288.81 393.70 48 0.00 92.11 188.14 288.39 393.15 49 0.00 91.96 187.83 287.91 392.53 50 0.00 91.79 187.47 287.37 391.83 51 0.00 91.60 187.06 286.76 391.04 52 0.00 91.35 186.60 286.07 390.15 53 0.00 91.12 186:09 285.30 389.16 54 0.00 90.83 185.52 284.45 388.07 55 0.00 90.51 184.89 283.51 386.87 56 0.00 90.16 184.19 282.47 385.54 57 0.00 89.78 183.42 281.32 384.06 58 0.00 89.37 182.57 280.05 382.42 59 0.00 88.92 181.63 278.65 380.62 60 0.00 88.42 180.60 277.12 378.66 95 TERMINAL RESERVES 3^^ AMER. EXP. 10 Year Endowment FULL PRELIMINARY TERM YEARS Age • 6 7 20 508.38 623.57 743.74 869.14 21 508.33 623.52 743.70 869.11 22 508.28 623.47 743.65 869.08 23 508.23 623.41 743.60 869.05 24 508.17 623.35 743.55 869.02 25 508.10 623.28 743.49 868.98 26 508.02 623.20 743.43 868.94 27 507.94 623.12 743.36 868.90 28 507.85 623.04 743.29 868.86 29 507.76 622.95 743.21 868.81 30 507.66 622.85 743.13 868.75 31 507.56 622.75 743.04 868.69 32 507.45 622.64 742.94 868.63 33 507.33 622.51 742.83 868.56 34 . 507.20 622.37 742.71 868.48 35 507.05 622.22 742.58 868.40 36 506.88 622.06 742.44 868.31 37 506.70 621.88 742.28 868.20 38 506.51 621.68 742.10 868.08 39 506.31 621.46 741.90 867.95 40 506.09 621.22 741.68 867.81 41 505.84 620.96 741.44 867.65 42 505.56 620.67 741.17 867.47 43 505.25 620.34 740.86 867.27 44 504.89 619.96 740.51 867.04 45 504.47 619.52 740.11 866.77 46 503.99 619.01 739.65 866.46 47 503.44 618.42 739.12 866.11 48 502.80 617.75 738.52 865.71 49 502.07 616.99 737.84 865.26 50 501.25 616.14 737.08 864.76 51 500.34 615.19 736.24 864.21 52 499.32 614.13 735.30 863.59 53 498.18 612.96 734.25 862.90 54 496.92 611.66 733.08 862.13 55 495.53 610.22 731.78 861.27 56 493.99 608.62 730.34 860.32 57 492.28 606.84 728.74 859.26 58 490.39 604.87 726.96 858.08 59 488.31 602.69 724.99 856.77 60 486.03 600.29 722.82 855.32 ^l^' TERMINAL RESERVES ^16% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first . . year, increasing by a similar amount yearly. YEARS Age I-. ■2 3 4 5 20 71.63 138.40 199.98 256.07 306.30 21 72.61 140 34 202.88 259.91 311.08 22 73.66 142.45 206.04 264.11 316.26 23 74.83 144.77 209.52 268.71 321.96 24 76.10 147.33 213.33 273.76 328.23 25 ; 77.51 150.14 217.54 279.36 335.16 26 79.06 153.24 222.20 285.53 342.83 27 80.79 156.70 227.37 292.41 351.40 28 82.71 160.55 233.14 300.11 360.97 29 84.85 164.85 239.62 308.73 371.67 30 87.28 169.73 246.94 318.46 383.81 31 90.01 175.21 255.17 329.44 397.55 32 93.10 181.40 264.49 341.93 413.11 33 96.56 188.38 275.03 355.98 430.69 34 100.46 196.24 286.85 371.79 450.40 35 104.84 205.04 300.13 389.51 472.59 36 109.73 214.90 314.98 409.40 497.45 37 115.20 225.90 331.60 431.62 525.31 38 121.28 238.18 350.10 456.44 556.40 39 128.04 251.80 370.70 484.02 590.99 40 135.53 266.93 393.54 514.65 629.34 41 143.83 283.65 418.83 548.51 671.79 42 152.97 302.12 446.70 585.88 718.54 43 163.04 322.42 477.39 626.93 769.95 44 174.06 344.68 510.97 671.92 826.23 45 186.13 369.00 547.70 721.07 887.63 46 199.28 395.54 587.75 774.60 954.49 47 213.60 • 424.41 631.26 832.74 1027.16 48 229.12 455.66 678.38 895.76 1105.95 49 245.89 489.44 729.33 963.90 1191.19 50 263.94 525.83 784.23 1037.37 1283.09 51 283.32 564.90 843.18 1116.26 1381.89 52 304.01 606.62 906.14 1200.60 1487.50 53 325.95 650.86 972.96 1290.08 1599.64 54 349.04 697.44 1043.31 1384.39 1717.94 55 373A7 746.10 1116.85 1483.02 1841.67 56 398.24 796.71 1193.37 1585.67 1970.52 57 424.14 849.02 1272.47 1691.83 2103.84 58 450.85 902.95 1354.07 1801.41 2241.58 59 478.28 958.40 1438.02 1914.26 2383.64 60 506.39 1015.23 1524.13 2030.19 2529.73 m ^^ TERMINAL RESERVES ^16% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the firit year, increasing by a similar amount yearly. YEAR& Age 6 7 8 9 ID 20 350.34 387.72 418.02 440.80 455.40 21 355.97 394.17 425.26 448.68 463.92 22 362.10 401.23 433.12 457.29 473.20 25 368.88 408.98 441.80 466.84 483.45 ^4 376.30 417.51 451.38 477.32 494.66 25 384.53 427.00 462.02 488.94 507.17 26 393.67 437.51 473.76 501.84 521.15 27 403.85 449.19 486.89 516.35 536.73 28 415.21 462.29 501.68 532.57 554.28 29 427.96 477.07 518.26 550.87 573.96 30 442.49 493.82 537.16 571.63 596.47 31 458.86 512.78 558.47 595.20 621.94 32 477.47 534.25 582.75 622.00 651.11 33 ' 498.44 558.57 610.19 652.44 684.20 34 522.05 585.91 641.17 686.77 721.63 3S 548.59 616.75 676.09 725.58 763.80 36 578.42 651.39 715.39 769.11 811.28 37 611.82 690.24 759.36 817.97 864.34 38 649.14 733.54 808.49 872.35 923.51 39 690.58 781.74 862.97 932.77 989.09 40 736.61 835.10 92341 999.64 1061.48 41 787.42 894.10 990.09 1073.26 114113 42 843.46 959.06 1063.38 115412 1228.64 43 905.00 1030.29 1143.69 1242.78 1324.62 44 ' 972.27 1108.10 1231.49 1339.72 1429.63 45 1045.63 1193.01 1327.30 1445.58 1544.29 46 1125.57 1285.58 1431.83 1561.07 1669.56 47 1212.48 1386.26 1545.53 1686.87 1806.00 48 1306.76 1495.50 1669.05 1823.52 195445 49 1408.78 1613.84 1802.85 1971.77 2115.73 50 1518.88 1741.56 1947.46 2132.20 2290.34 51 1637.24 1879.02 2103.29 2305.16 2478.83 52 1763.90 2026.29 2270.31 2490.76 2681.29 53 1898.53 2182.88 2448.04 2688.40 2897.20 54 2040.57 2348.20 2635.84 2897.50 3125.97 55 2189.23 2521.32 2832.68 3116.96 3366.28 56 2344.12 2701.86 3038.23 3346.32 3617.52 57 2504.52 2889.09 3251.57 3584.48 3878.83 58 2670.48 3082.97 3472.64 3831.73 4150.57 59 2841.81 3283.30 3701.52 4088.21 4432.97 60 3018.17 3489.95 3938.11 4353.89 4726.54 98 ^i^ TERMINAL RESERVES ^^A% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. VEARS Age XI la 13 14 15 20 461.48 458.29 445.14 421.21 385.76 21 470.44 467.53 454.41 430.36 394.65 22 480.20 477.54 464.54 440.48 404.22 23 490.94 488.65 475.90 451.60 414.92 24 502.77 500.99 488.32 463.92 426.54 25 516.08 514.70 502.27 477.57 439.67 26 530.79 530.00 517.66 492.85 454.18 27 547.32 547.04 535.02 509.94 470.70 28 565.80 566.29 554.51 529.40 489.44 29 586.71 587.97 576.71 551.50 510.91 30 610.56 612.94 602.25 577.13 535.67 31 637.76 641.38 631.50 606.33 564.16 32 668.87 674.07 664.99 640.04 596.81 33 704.30 711.15 703.21 678.24 634.02 34 744.23 753.14 746.22 721.39 675.85 35 789.41 800.39 794.78 769.94 722.62 36 840.02 853.48 849.16 824.02 774.63 37 896.72 912.77 909.63 884.08 832.39 38 959.77 978.47 976.56 950.54 896.33 39 1029.44 1050.97 1050.41 1023.89 966.92 40 1106.28 1130.96 1131.92 1104.91 1044.81 41 1190.84 1219.01 1221,69 1194.07 1130.70 42 1283.79 1315.87 1320.39 1292.28 1225.25 43 1385.79 1422.11 1428.85 1400.15 1329.33 44 1497.36 1538.50 1547.62 1518.50 1443.74 45 1619.36 1665.75 1677.70 1648.35 1569.25 46 1752.65 1805.02 1820.33 1790.78 1707.18 47 1898.06 1957.20 1976.24 1946.72 1858.36 48 2056.50 2123.09 2146.46 2117.18 2024.00 49 2228.73 2303.69 2331.99 2303.37 2205.48 50 2415.45 2499.71 2533.77 2506.42 2403.78 51 2617.24 2711.94 2752.78 2727.22 2619.60 52 2834.34 2940.77 2989.31 2965.87 2853.50 53 3066.28 3185.56 3242.46 3221.82 3104.77 54 3312.29 3445.29 3511.53 3494.22 3372.21 55 3570.79 3718.62 3794.98 3781.22 3654.31 56 3841.45 4005.17 4092.33 4082.83 3950.96 57 4123.35 4303.88 4402.98 4398.27 4262.08 58 4416.93 4615.86 4728.04 4729.71 4591.24 59 4723.05 4941.98 5069.54 5080.52 4943.21 60 5042.18 5283.79 5430.15 5454.63 5322.95 99 ^H* TERMINAL RESERVES 3^^ 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age l6 17 i8 19 20 338.02 276.73 200.94 109.12 21 346.08 283.73 206.14 112.18 22 354.89 291.09 211.75 115.19 23 364.53 299.38 217.89 118.74 24 375.19 308.35 224.75 122.57 25 387.09 318.65 232.59 127.19 26 400.51 330.17 241.50 132.19 27 415.71 343.40 251.55 138.13 28 433.15 353.39 263.24 144.74 29 452.93 375.70 276.42 152.41 30 476.10 395.75 292.08 161.61 31 502.48 418.85 309.97 171.82 32 532.99 445.46 330.38 183.52 33 ' 567.59 475.33 353.21 196.60 34 606.16 508.50 378.48 211.00 35 649.20 545.52 406.73 227.20 36 697.06 586.70 438.21 245.10 37 750.23 632.52 473.12 265.14 38 809.13 683.14 511.83 287.17 39 874.03 739.05 554.40 311.48 40 945.82 800.79 601.62 338.66 41 1024.88 868.99 653.96 368.67 42 1112.15 944.49 711.84 401.98 43 1208.45 1027.75 775.80 438.74 44 1314.25 1119.36 846.13 479.21 45 1430.49 1220.05 923.62 524.03 46 1558.40 1331.18 1009.61 574.07 47 1698.94 1453.76 1104.70 629.20 48 1853.43 1588.81 1209.39 690.22 49 2023.07 1737.16 1324.91 757.86 50 2208.55 1899.96 1452.07 832.22 51 2411.09 2078.23 1591.43 914.30 52 2631.10 2272.03 1743.53 1003.63 53 2867.48 2480.69 1906.81 1099.28 54 3119.50 2702.71 2080.49 1201.33 55 3385.09 2936.81 2264.19 1309.91 56 3664.80 3184.64 2460.38 1427.41 57 3959.96 3448.50 2671.67 1555.40 58 4275.34 3733.93 2903.45 1698.40 59 4616.77 4047.24 3162.02 1860.26 60 4989.84 4394.37 3451.97 2043.57 100 exp!* terminal reserves ^16% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age I 2 3 4 5 20 52.91 100.15 141.35 176.17 204.22 21 53.47 101.23 142.94 178.23 206.71 22 54.08 102.42 144.68 180.50 209.42 23 54.74 103.72 146.60 182.96 212.38 24 55.47 105.17 148.70 185.68 215.67 25 56.27 106.72 150.99 188.65 219.24 26 57.14 108.44 153.52 191.92 223.20 27 58.09 110.33 156.27 195.50 227.54 28 59.15 112.39 159.31 199.46 232.33 29 60.29 114.65 162.65 203.80 237.55 30 61.57 117.18 166.37 208.62 243.39 31 62.99 119.98 170.47 213.96 249.92 32 64.57 123.08 175.06 219.98 257.20 33 66.33 126.57 180.23 226.71 265.40 34 68.31 130.51 186.04 234.31 274.59 35 70.57 134.97 192.66 242.93 285.12 j 36 73.11 140.03 200.12 252.73 297.05 37 76.00 145.75 208.63 263.88 310.72 38 79.26 152.24 218.25 276.54 326.22 39 82.93 159.54 229.11 , 290.83 343.76 40 87.06 167.77 241.36 306.96 363.50 41 91.70 177.01 255.12 325.05 385.71 42 96.88 187.35 270.50 345.31 410.47 43 102.67 198.86 287.65 367.82 438.06 44 109.07 211.65 306.64 392.80 468.58 45 116.19 225.79 327.68 420.43 502.25 46 124.03 241.43 350.90 450.82 539.28 47 132.69 258.64 376.40 484.22 580.00 48 142.19 277.52 404.38 520.87 624.70 .49 152.59 298.17 435.01 561.01 673.68 .50 163.96 320.76 468.52 604.94 727.26 51 176.39 345.46 505.16 652.98 785.94 52 189.93 372.39 545.11 705.40 849.96 53 204.66 401.67 588.61 762.48 919.77 54 220.65 433.48 635.85 824.56 995.78 55 237.95 467.90 687.03 891.89 1078.26 56 256.59 505.05 742.32 964.65 1167.49 57 276.61 544.96 801.74 1042.91 1263.55 58 297.95 587.51 865.14 1126.48 1366.24 59 320.51 632.53 932.25 1215.04 1475.23 '60 344.21 679.84 1002.85 130829 1590.07 101 ^Expf TERMINAL RESERVES 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age 6 7 8 9 lO 20 225.10 238.31 243.37 239.80 226.94 21 227.92 241.40 246.68 243.14 230.23 22 231.02 244.83 250.29 246.84 233.93 23 234.43 248.56 254.25 250.95 237.97 24 238.18 252.69 258.69 255.52 242.42 25 242.28 257.26 263.55 260.45 247.32 26 246.86 26231 268.89 265.98 252.89 27 251.84 267.78 274.74 272.09 258.89 28 257.31 273.84 281.29 278.80 265.59 29 263.33 280.57 288.43 286.20 272.83 30 270.12 288.05 296.48 294.43 281.04 31 277.62 296.40 305.34 303.63 290.12 32. 286.05 305.70 315.35 313.93 300.47 33 295.48 316.21 326.59 325.68 312.21 34 306.15 328.06 339.41 339.02 325.67 35 318.34 341.73 354.18 354.53 341.24 36 332.25 357.31 371.11 372.21 359.15 37 348.18 375.23 390.50 392.62 379.67 38 366.31 395.54 412.61 415.72 403.02 39 386.73 418.53 437.46 441. .80 429.26 40 409.83 444.37 465.51 471.11 458.55 41 435.66 473.38 496.87 503.70 491.07 42 464.55 505.72 531.68 539.84 527.14 43 496.65 541.49 570.15 579.78 567.02 44 532.04 580.92 612.56 623.83 611.03 45 571.06 624.40 659.35 672.47 659.57 46 614.01 672.29 710.92 726.02 713.14 47 661.24 724.98 . 767.63 785.04 772.11 48 713.13 782.86 830.03 849.94 837.12 49 769.97 846.34 898.44 921.22 908.65 50 832.23 915.86 973.48 999.54 987.21 i» ^sFjrr" "i~ I 51 900.40 992.09 1055.92 1085.59 1073.69 52 974.89 1075.53 1146.15 1179.93 1168.57 53 1056.23 1166.66 1244.83 1283.19 1272.67 54 1144.83 1266.05 1352.59 1396.20 1386.92 55 1241.07 1374.13 1469.98 1519.63 1511.94 56 1345.30 1491.38 1597.64 1654.08 1648.19 57 1457.68 1618.06 1735.76 1799.61 1796.06 58 . 1578.02 1753.87 1883.86 1955.97 1955.16 59 1705.83 1898.10 2041.40 2122.45 2124.49 60 1840.51 2050.30 2207.78 2298.25 2303.55 mr-. ^^"' TERMINAL RESERVES ^l^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age II 12 13 14 20 204.22 171.01 126.49 69.77 21 207.35 173.71 128.48 70.86 22 210.80 176.65 130.73 72.26 23 214.53 179.91 133.36 73.71 24 218.73 183.71 136.26 75.49 25 223.44 187.79 139.49 77.25 26 228.65 192.43 143.01 79.37 27 234.36 197.33 146.84 81.47 28 240.58 202.83 151.01 83.94 29 247.44 208.75 155.65 86.58 30 255.12 215.59 160.98 89.80 31 263.79 223.24 167.05 93.28 32 273.62 232.05 173.91 97.42 33 284.91 242.03 181.88 102.02 34 297.72 253.55 190.86 107.36 35 312.76 266.94 201.58 113.81 36 329.S8 282.34 213.81 120.93 37 349.69 300.10 227.75 129.10 38 372.10 319.97 243.28 138.16 39 397.05 342.00 260.46 148.15 40 424.86 366.58 279.66 159.39 41 455.74 393.88 301.04 171.81 42 490.00 424.23 324.71 185.68 43 527.93 457.72 350.95 200.93 44 569.69 494.69 379.77 217.74 45 615.87 535.50 411.73 236.52 46 666.77 580.64 447.21 257.30 47 722.97 630.60 486.43 280.34 48 785.06 685.77 529.83 305.81 49 853.32 746.50 577.56 333.84 50 928.41 813.31 630.19 364.91 51 1011.15 887.16 688.69 399.67 52 1102.14 968.68 753.41 437.94 53 1202.30 1058.60 824.71 480.33 54 1312.46 1157.49 903.51 527.41 55 1433.03 1266.14 990.32 579.17 56 1564.87 1385.25 1085.53 636.35 57 1708.24 1514.81 1189.49 698.57 58 1862.46 1654.47 1301.18 765.24 59 2026.83 1802.92 1419.75 836.14 60 2200.36 1959.79 1545.44 911.86 103 *^ TERMINAL RESERVES 3^^ 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age I a 3 4 5 20 34.32 62.16 83.13 96.83 102.85 21 34.61 62.71 83.89 97.76 103.90 22 34.93 63.29 84.71 98.77 104.99 23 35.27 63.93 85.61 99.84 106.16 24 35.64 64.65 86.59 101.03 107.50 25 36.05 65.40 87.65 102.33 108.91 26 36.48 66.21 88.78 103.69 110.43 27 36.95 67.11 90.02 105.20 112.13 28 37.47 68.09 91.39 106.88 113.99 29 38.04 69.17 92.92 108.74 116.03 30 38.67 70.36 94.59 110.75 118.29 31 39.36 71.68 96.42 113.00 120.85 32 40.12 73.11 98.42 115.49 123.60 33 40.95 74.69 100.67 118.22 126.67 34 41.86 76.44 103.11 121.23 129.98 35 42.89 78.39 105.86 124.56 133.73 36 44.03 80.56 108.89 128.30 137.88 37 45.30 82.97 112.31 132.48 142.62 38 46.73 85.70 116.15 137.26 148.01 39 48.35 88.79 120.56 142.70 154.20 40 50.20 92.36 125.62 149.02 161.34 41 52.32 96.44 131.45 156.23 169.58 42 54.74 101.11 138.09 164.54 178.99 43 57.49 106.39 145.65 173.91 189.67 44 60.57 112.36 154.12 184.47 201.64 45 64.05 119.04 163.66 196.30 214.95 46 67.92 126.51 174.29 209.41 229.70 47 72.26 134.85 186.08 223.95 246.06 48 77.07 144.05 199.10 240.01 264.14 49 82.36 154.19 213.46 257.74 284.12 50 88.22 165.41 229.35 277.35 306.19 51 94.68 177.79 246.89 298.99 330.59 52 101.80 191.45 266.22 322.87 357.48 53 109.65 206.47 287.52 349.17 387.16 54 118.25 222.98 310.89 378.09 419.86 55 127.69 241.07 336.58 409.91 455.81 56 138.04 260.95 364.83 444.90 495.42 57 149.38 282.75 395.81 483^2 538.93 58 161.78 306.59 429.72 525.42 586.71 59 175.30 332.62 466.79 571.54 639.21 60 190.02 360.98 507.25 621.99 696.73 104 ^^^ TERMINAL RESERVES ^16% 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS. Age 6 7 8 9 20 100.73 89.93 69.93 40.19 21 101.77 90.90 70.76 40.67 22 102.88 91.95 71.57 41.14 23 104.09 93.04 72.44 41.68 24 105.44 94.31 73.52 42.36 25 106.89 95.70 74.66 43.00 26 108.46 97.16 75.78 43.65 27 110.20 98.73 77.06 44.48 28 112.07 100.49 78.56 45.35 29 114.18 102.54 80.21 46.41 30 116.56 104.73 82.05 47.46 31 119.17 107.23 84.05 48.72 32 122.03 109.85 86.22 49.96 33 125.13 112.80 88.57 51.42 34 128.56 115.96 91.20 52.98 35 132.40 119.64 94.22 54.90 36 136.74 123.74 97.67 56.97 37 141.66 128.47 101.55 59.42 38 147.33 133.83 106.09 62.16 39 153.76 140.04 111.20 65.35 40 161.31 147.22 117.28 69.16 41 169.91 155.53 124.25 73.42 42 179.84 165.06 132.15 78.25 43 191.04 175.69 140.93 83.62 44 203.47 187.44 150.61 89.50 45 217.27 200.51 161.39 96.11 46 232.58 215.01 173.40 103.40 47 249.57 231.14 186.70 111.57 48 268.38 248.95 201.45 120.54 49 289.10 268.60 217.64 130.41 50 312.06 290.34 235.63 141.48 51 337.39 314.41 255.63 153.74 52 365.40 341.09 277.76 167.34 53 396.38 370.56 302.25 182.36 54 430.47 403.03 329.19 198.90 55 467.99 438.77 358.92 217.26 56 509.37 478.31 391.99 237.81 57 554.94 522.01 428.63 260.45 58 605.14 570.24 468.99 285.53 59 660.39 623.30 513.60 313.36 60 720.91 681.63 562.76 343.97 105 AMER. EXP. MEAN RESERVES 3^% Ordinary Life FULL PRELIMINARY TERM YEARS. Age I ;i 3 4 5 20 3.77 10.11 16.68 23.47 30.51 21 3.80 10.40 17.24 24.33 31.67 22 3.82 10.71 17.85 25.24 32.89 23 3.85 11.03 18.47 26.18 34.15 24 3.87 11.37 19.13 27.16 35.48 25 3.90 11.72 19.82 28.20 36.87 26 3.93 12.09 20.54 29.29 38.33 27 3.96 12.48 21.30 30.42 39.86 28 4.00 12.89 22.09 31.61 41.47 29 4.03 13.32 22.93 32.87 43.15 30 4.07 13.78 23.82 34.19 44.91 31 4.11 14.25 24.73 35.56 46.76 32 4.16 14.75 25.69 37.01 48.70 33 - 4.21 15.28 26.72 • 38.54 50.74 34 4.27 15.84 27.79 40.14 52.88 35 4.32 16.42 28.91 41.80 55.10 36 4.39 17.04 30.09 43.55 57.44 37 • 4.46 17.69 31.33 45.39 59.88 38 4.55 1837 32.63 47.32 62.46 39 4.63 19.09 33.99 49.35 65.16 40 4.73 19.86 35.45 51.49 68.00 41 4.84 20.66 36.96, 53.73 70.96 42 4.95 21.52 38.56 56.08 74.06 43 5.08 22.42 40.23 58.52 77.27 44 5.23 23.37 41.98 61.07 80.61 45 5.39 24.36 43.80 63.71 84.05 46 5.59 25.41 45.71 66.45 87.59 47 5.80 26.51 47.68 69.25 91.22 48 6.04 27.66 49.70 72.14 94.94 49 6.33 28.87 51.80 75.12 98.78 50 6.66 30.13 53.99 78.20 102.73 51 7.03 31.46 56.25 81.38 106.79 52 7.44 32.86 58.62 84.67 110.98 53 7.89 34.33 61.07 88.07 115.28 54 8.40 35.88 63.61 91.57 119.71 55 8.97 37.50 66.25 95.19 124.27 56 9.61 39.21 69.01 98.94 128.96 57 10.31 41.02 71.87 102.81 133.77 58 11.08 42.92 74.84 106.78 138.69 59 11.94 44.92 77.92 110.88 143.75 106 ^^- MEAN RESERVES ^16% Ordinary Life FULL PRELIMINARY TERM YEARS Age I 3 3 4 5 60 12.90 47.02 81.11 115.10 148.92 61 13.95 49.25 84.44 119.46 154.22 62 15.12 51.60 87.90 123.93 159.62 6.3 16.40 54.07 91.47 128.51 165.10 64 17.81 56.67 95.15 133.18 170.66 65 19.39 59.42 98.98 137.96 176.30 66 21.12 62.31 102.92 142.84 182.00 67 23.02 65.35 106.98 147.80 187.76 68 25.12 68.57 111.18 152.89 193.70 69 27.42 71.95 115.54 158.19 199.97 70 29.95 75.55 120.16 163.87 206.78 107 AMER. EXP. MEAN RESERVES 4 1 3J4% Ordinary Life FULL PRELIMINARY TERM YEARS. A«e 6 7 8 9 lO 20 37.81 45.36 53.17 61.26 69.63 21 39.27 47.13 55.28 63.71 72.43 22 40.80 49.00 57.49 66.26 75.35 23 42.41 50.95 • 59.79 68.94 78.41 24 44.09 52.99 62.21 71.75 81.60 25 45.85 55.14 64.75 74.68 84.94 26 47.69 57.38 67.39 77.74 88.44 27 49.63 59.73 7016 80.95 92.10 28 51.65 62.18 73.06 84.31 95.93 29 53.78 64.76 76.10 87.82 99.92 30 56.00 67.46 79.29 91.50 104.10 31 58.33 70.28 82.62 95.34 108.45 32 60.77 73.23 86.09 99.34 113.00 33 63.34 76.33 89.72 103.54 117.77 34 66.02 79.57 93.54 107.93 122.75 35 68.82 82.95 97.51 112.51 127.94 36 71.75 86.49 101.67 117.29 133.35 37 74.82 90.20 106.02 122.29 138.99 38 78.05 94.09 110.58 127.50 144.85 39 81.43 98.15 115.31 132.91 150.93 40 84.97 102.39 120.25 138.54 157.22 41 88.65 106.79 125.36 144.34 163.69 42 92.49 111.36 13065 150.32 170.33 43 96.47 116.08 136.08 156.44 177.14 44 100.58 120.93 141.66 162.72 184.10 45 104.79 125.90 147.36 169.13 191.20 46 109.12 13099 153.20 175.69 198.45 47 113.55 136.20 159.16 182.38 205.82 48 118.08 141.53 165.24 189.19 213.34 49 122.75 146.99 171.47 196.15 221.00 50 127.54 152.59 177.84 203.26 228.80 51 132.45 158.32 184.35 21051 236.74 52 137.49 164.19 191.01 217.90 244.81 53 142.68 170.20 197.80 225.42 253.01 54 147.99 176.34 204.72 233.06 261.32 55 153.43 182.61 211.76 240.83 269.75 56 159.01 189.02 218.94 248.71 278.28 57 164.70 195.54 226.23 256.69 286.87 58 170.51 202.18 233.61 264.75 295.51 59 176.45 208.92 241.08 272.86 304.18 108 ^xp!^- mean reserves ^16% Ordinary Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 60 182.50 215.76 248.62 281.01 312.85 61 188.65 222.68 256.21 289.17 321.51 62 194.89 229.64 263.82 297.34 330.14 63 201.17 236.64 271.42 305.47 338.78 64 207.51 243.65 279.02 313.64 347.54 65 213.89 250.69 286.69 321.96 356.60 66 220.32 257.81 294.54 330.61 366.12 67 226.86 265.16 302.77 339.79 376.33 68 233.68 272.94 311.59 349.73 387.40 69 241.00 281.38 321.23 360.60 399.49 70 249.04 290.72 331.89 372.57 412.73 109 AMER. EXP. MEAN RESERVES 4 1 yA% Ordinary Life FULL PRELIMINARY TERM YE.4RS. Age II 12 13 14 15 20 78.30 87.27 96.54 106.13 116.04 21 81.45 90.79 100.44 110.41 120.73 22 84.75 94.47 104.51 114.90 125.63 23 88.20 98.31 108.77 119.58 130.73 24 91.79 102.33 113.21 124.45 136.05 25 95.56 106.53 117.86 129.55 141.60 26 99.50 110.91 122.70 134.86 147.39 27 103.61 115.49 127.75 140.39 153.42 28 107.91 120.27 133.02 146.17 159.71 29 112.40 125.27 138.53 152.19 166.26 30 117.09 130.48 144.27 158.47 173.09 31 121.97 135.91 150.25 165.01 180.18 32 127.08 141.58 156.49 171.82 187.55 33 132.42 147.49 162.99 178.90 195.21 34 137.99 153.66 169.75 186.25 203.14 35 143.79 160.07 176.76 193.85 211.31 36 149.83 166.73 184.03 201.71 219.73 37 156.10 173.63 191.54 209.80 228.38 38 162.62 180.77 199.27 218.11 237.26 39 169.34 188.11 207.22 226.64 246.35 40 176.28 195.67 215.38 235.38 255.65 41 183.38 203.40 223.72 . 244.30 265.12 42 190.68 211.33 232.25 253.41 274.78 43 198.14 219.42 240.94 262.67 284.57 44 205.75 227.66 249.78 272.08 294.52 45 213.52 236.05 258.77 281.63 304.63 46 221.42 244.58 267.90 291.32 314.80 47 229.46 253.25 277.15 301.12 325.11 48 237.63 262.04 286.53 311.03 335.49 49 245.96 270.98 296.03 321.05 , 346.00 50 254.41 280.04 305.64 331.17 356.57 51 262.99 289.21 315.36 341.38 367.22 52 271.70 298.51 325.18 351.66 377.89 53 280.52 307.90 335.08 362.00 388.60 54 289.45 317.38 345.03 372.35 399.29 55 298.47 326.91 355.01 382.70 409.93 56 307.56 336.49 365.00 393.03 420.53 57 316.69 346.07 374.96 403.30 431.03 58 325.83 355.64 384.88 413.50 441.50 59 334.97 365.17 394.73 423.66 451.99 110 ^^^- MEAN RESERVES y^% Ordinary Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 60 344.08 374.65 404.57 433.87 462.64 61 353.16 384.12 414.46 444.25 473.57 62 362.24 393.68 424.56 454.96 484.95 63 371.41 403.46 435.00 466.13 496.88 64 380.83 413.61 445.95 477.91 509.46 65 390.70 424.34 457.57 490.40 522.81 66 401.16 435.78 469.97 503.71 536.87 67 412.42 448.07 483.26 517.83 551.67 68 424.61 461.34 497.43 532.76 567.44 69 437.87 475.58 512.50 548.74 584.56 70 452.18 490.79 528.69 566.58 603.88 Ill "exr^ mean reserves ^I6t% Ordinary Life FULL PRELIMINARY TERM YEARS. Age i6 17 i8 19 20 21 20 126.29 136.88 147.81 159.10 170.74 182.74 21 131.39 142.39 153.75 165.46 177.54 190.00 22 136.71 148.14 159.94 172.10 184.63 197.55 23 142.25 154.13 166.37 179.00 192.01 205.40 24 148.02 160.36 173.08 186.18 199.68 213.56 25 154.03 166.85 180.06 193.66 207.64 222.02 26 160.31 173.62 187.33 201.43 215.92 230.81 27 166.84 180.66 194.88 209.50 224.50 239.89 28 173.65 187.99 202.74 217.87 233.39 249.28 29 180.73 195.61 210.89 226.55 242.58 258.96 30 188.11 203.53 219.34 235.53 252.06 268.92 31 195.75 211.72 228.07 244.77 261.80 279.14 32 203.69 220.21 237.08 254.29 271.81 289.62 33 211.91 228.97 246.36 264.07 282.07 300.34 34 ^ 220.39 237.99 255.90 274.10 292.57 311.29 35 229.11 247.24 265.66 284.35 303.29 322.45 36 238.08 256.73 275.66 294.83 314.23 333.82 37 247.27 266.45 285.88 305.53 325.37 345.37 38 256.70 276.39 296.30 316.41 336.69 357.09 39 266.32 286.52 306.92 327.48 348.17 368.97 40 276.15 296.85 317.72 338.72 359.82 380.98 41 286.15 307.34 328.67 350.10 371.59 393.10 42 296.31 317.99 339.77 361.62 383.48 405.31 43 306.62 328.78 350.99 373.23 395.44 417.58 44 317.07 339.69 362.32 384.93 407.47 429.90 45 327.64 350.69 373.72 396.69 419.54 442.22 46 338.31 361.79 385.20 408.50 431.63 454.54 47 349.07 372.96 396.73 420.34 443.71 466.81 48 359.89 384.19 408.30 432.17 455.76 479.02 49 370.82 395.47 419.88 444.00 467.77 491.15 5C 381.79 406.77 431.46 455.78 479.70 503.15 51 392.80 418.08 442.99 467.49 491.52 515.03 52 403.81 429.36 454.47 479.11 503.22 526.81 53 414.81 440.58 465.86 490.61 514.82 538.54 54 425.77 451.74 477.16 502.03 526.39 550.32 55 436.64 462.78 488.36 513.42 538.02 562.25 56 447.44 473.77 499.57 524.90 549.84 574.44 57 458.17 484.76 510.87 536.57 561.93 586.98 58 468.93 495.87 522.38 548.55 574.40 599.93 59 479.81 507.20 534.23 560.93 587.30 613.33 112 AMER. EXP. MEAN RESERVES 5^% Ordinary Life FULL PRELIMINARY TERM YEARS Age i6 17 l8 19 20 21 60 490.96 518.91 546.52 573.79 600.71 627.16 61 502.51 531.10 559.33 587.20 614.59 641.39 62 514.58 543.85 572.74 601.12 628.91 656.19 63 527.25 557.23 586.69 615.53 643.84 671.81 64 540.61 571.21 601.18 630.59 659.66 688.59 65 554.64 585.81 616.41 646.65 676.74 706.62 66 569.33 601.20 632.69 664.03 695.15 725.62 67 584.90 617.73 650.42 682.86 714.63 745.08 68 601.72 635.83 669.70 702.86 734.65 764.68 69 620.21 655.60 690.25 723.47 754.86 784.78 640.50 676.75 711.49 744.33 775.64 806.09 113 AMER. EXP. MEAN RESERVES ^16% 20 Payment Life FULL PRELIMINARY TERM YEARS. Age I 1 3 4 5 20 3.77 18.27 33.34 49.02 65.32 21 3.80 18.61 34.01 50.03 66.69 22 3.82 18.96 34.70 51.08 68.11 23 3.85 19.33 35.43 52.17 69.58 24 3.87 19.71 36.18 53.30 71.10 25 3.90 20.10 36.95 54.46 72.67 26 3.93 20.51 37.75 55.67 74.30 27 3.96 20.94 38.58 56.91 75.97 28 4.00 21.37 39.43 58.20 77.71 29 4.03 21.83 40.32 59.54 79.50 30 4.07 22.30 41.25 60.92 81.36 31 4.11 22.79 42.19 62.34 83.27 32 4.16 23.30 43.17 63.82 85.25 33 4.21 23.83 44.20 65.35 87.30 34 * 4.27 24.38 45.26 66.93 89.42 35 4.32 24.95 46.35 68.56 91.59 36 4.39 25.54 47.48 70.24 93.83 37 4.46 26.15 48.65 71.97 96.14 38 4.55 26.80 49.86 7Z.77 98.54 39 4.63 27.46 51.12 75.62 101.02 40 4.73 28.16 52.43 77.56 103.58 41 4.84 28.88 53.78 79.55 106.21 42 4.95 29.64 55.19 81.61 108.92 43 5.08 30.43 56.64 83.72 111.69 44 5.23 . 31.26 58.14 85.89 114.52 45 5.39 32.11 59.68 88.10 117.39 46 5.59 33.01 61.27 90.37 120.30 47 5.80 33.94 62.89 92.65 123.21 48 6.04 34.90 64.53 94.95 126.16 49 6.33 35.89 66.21 97.29 129.13 50 6.66 36.93 67.94 99.68 132.15 51 7.03 38.02 69.71 102.11 135.21 52 7.44 39.15 71.54 104.59 138.30 53 7.89 40.34 73.42 107.12 141.44 54 8.40 41.59 75.36 109.71 144.65 55 8.97 42.90 77.Z7 112.37 147.90 56 9.61 44.28 79.45 115.11 151.22 57 10.31 45.75 81.63 117.91 154.60 58 11.08 47.29 83.87 120.79 158.04 59 11.94 48.93 86.21 123.75 161.55 60 12.90 50.66 88.64 126.80 165.14 lU ^'^ MEAN RESERVES yA% 20 Payment Life FULL PRELIMINARY TERM YEARS. Age 6 7 8 9 , lo 20 82.28 99.92 118.27 137.36 157.22 21 84.02 102.04 120.78 140.28 160.56 22 85.81 104.23 123.38 143.30 164.02 23 87.68 106.50 126.08 146.43 167.61 24 89.61 108.85 128.86 149.67 171.30 25 91.59 111.27 131.73 153.00 175.12 26 93.66 113.79 134.71 156.46 179.07 27 95.78 116.37 137.77 160.01 183.13 28 97.98 119.04 140.93 163.68 187.32 29 100.25 121.80 144.19 167.46 191.64 30 102.59 124.65 147.57 171.37 196.09 31 105.01 127.59 151.03 175.38 200.66 32 107.51 130.62 154.61 179.51 205.37 33 110.09 133.74 158.29 183.77 210.22 34 112.75 136.96 162.08 188.15 215.20 35 115.48 140.27 165.98 192.66 220.32 36 118.30 143.68 170.00 197.29 225.58 37 121.21 147.19 174.13 202.04 230.96 38 124.22 150.82 178.38 206.92 236.47 39 127.31 154.55 182.74 211.91 242.09 40 130.51 158.37 187.20 217.00 247.80 41 133.78 162.29 191.75 222.17 253.58 42 137.14 166.29 196.37 227.40 259.41 43 140.56 170.34 201.04 232.67 265.27 44 144.03 174.43 205.73 237.96 271.14 45 147.53 178.54 210.44 243.25 277.00 46 151.06 182.68 215.18 248.56 282.88 47 154.60 186.82 219.90 253.84 288.70 48 158.16 190.98 224.62 259.11 294.49 49 161.74 195.14 229.34 264.36 300.25 50 165.36 199.33 234.07 269.60 305.98 51 169.01 203.53 238.79 274.82 311.66 52 172.68 207.75 243.51 280.01 317.27 53 176.40 211.99 248.24 285.17 322.83 54 180.16 216.26 252.97 290.31 328.34 55 183.96 220.54 257.67 295.39 333.76 56 187.80 224.84 262.38 300.45 339.10 57 191.68 229.17 267.09 305.46 344.34 58 195.61 233.52 271.77 310.40 349.46 59 199.60 237.88 276.42 315.24 354.42 60 203.62 242.24 281.02 319.99 359.21 119 A^|« MEAN RESERVES 3^^% 20 Payment Life FULL PRELIMINARY TERM YEARS. Age II 13 13 14 15 20 177.87 199.37 221.73 244.99 269.19 21 181.66 203.61 226.44 250.19 274.90 22 185.57 207.99 231.30 255.56 280.79 23 . 189.62 212.52 236.34 261.11 286.88 24 193.80 217.20 241.53 266.84 293.16 25 198.11 222.03 246.89 272.74 299.62 26 202.58 227.02 252.42 278.84 306.30 27 207.16 232.14 258.10 285.08 313.13 28 211.89 237.41 263.94 291.51 320.17 29 216.75 242.84 269.95 298.13 327.41 30 221.77 248.44 276.15 304.95 334.86 31 226.91 254.18 282.50 311.92 342.48 32 232.21 260.09 289.04 319.09 350.30 33 237.67 266.17 295.75 326.44 358.30 34 243.27 272.40 302.61 333.96 366.48 35 249.02 278.78 309.63 341.62 374.79 36 254.91 285.30 316.79 349.43 383.23 37 260.92 291.94 324.07 357.33 391.78 38 267.06 298.71 331.46 365.34 400.42 39 273.30 305.57 338.93 373.43 409.13 40 279.62 312.49 346.46 381.57 417.89 41 286.00 319.47 354.04 389.75 426.68 42 292.43 326.49 361 .M 397.94 435.47 43 298.87 333.51 369.24 406.13 444.25 44 305.31 340.51 376.81 414.25 452.95 45 311.73 347.49 384.33 422.34 461.60 46 318.15 354.45 391.82 430.37 470.19 47 324.50 361.32 399.21 438.27 478.61 48 330.81 368.12 406.51 446.06 486.91 49 337.06 374.84 413.69 453.70 495.03 50 343.25 381.48 420.75 461.21 503.00 51 349.36 387.99 427.67 468.53 510.74 52 355.37 394.38 434.42 475.64 518.22 53 361.29 400.65 441.01 482.54 525.45 54 367.13 406.78 447.41 489.21 532.41 55 372.84 412.72 453.57 495.57 539.00 56 378.40 418.48 459.48 501.63 545.23 $7 383.82 424.01 465.10 507.33 551.05 58 389.04 429.30 470.41 512.65 556.45 59 394.05 434.28 475.34 517.57 561.45 60 398.81 438.95 479.92 522.13 566.10 116 ^^ MEAN RESERVES y/2% 20 Payment Life FULL PRELIMINARY TERM YEARS. Age i6 17 l8 19 20 20 294.39 320.60 347.89 376.29 405.84 21 300.62 327.38 355.23 384.21 414.37 22 307.05 334.36 362.79 392.37 423.16 23 313.69 341.58 370.60 400.79 432.22 24 320.53 349.01 378.64 409.46 441.55 25 327.58 356.66 386.91 418.39 451.15 26 334.85 364.55 395.45 427.50 461.02 27 342.30 372.64 404.19 437.01 471.15 28 349.97 380.95 413.17 446.68 481.52 29 357.85 389.48 422.38 456.57 492.14 30 365.95 398.26 431.83 466.73 503.01 31 374.22 407.20 441.46 477.07 514.08 32 382.71 416.36 451.31 487.62 525.35 33 391.38 425.70 461.34 498.35 536.81 34 400.21 435.20 471.52 509.24 548.45 35 409.17 444.84 481.84 520.28 560.23 36 418.27 454.60 492.29 531.44 572.15 37 427.46 464.45 502.83 542.70 584.18 38 ' 436.74 474.40 513.47 554.06 596.31 39 446.09 484.40 524.16 565.48 608.51 40 455.48 494.45 534.89 576.95 620.78 41 464.90 504.51 545.65 588.45 633.09 42 474.31 514.58 556.41 599.95 645.41 43 483.70 524.61 567.12 611.42 657.71 44 493.01 534.55 577.75 622.79 669.96 45 502.25 544.41 588.28 634.10 682.16 46 511.40 554.18 598.74 645.30 694.29 47 520.38 563.77 609.01 656.39 706.28 48 529.22 573.20 619.11 667.28 718.13 49 537.86 582.41 628.99 677.96 729.81 50 546.30 591.42 638.65 688.40 741.31 51 554.51 600.14 648.02 698.60 752.58 52 562.41 608.54 657.05 708.49 763.59 53 570.02 616.63 665.76 718.06 774.38 54 577.32 624.35 674.09 727.30 784.97 55 584.21 631.67 682.06 736.24 795.34 56 590.68 638.55 689.62 744.86 805.55 57 596.73 645.04 696.83 753.23 815.64 58 602.37 651.15 703.74 761.33 825.62 59 607.62 656.89 710.27 769.16 835.46 60 612.54 662.31 716.54 776.77 845.15 117 AMER. EXP. MEAN RESERVES ^]6% 15 Payment Life FULL PRELIMINARY TERM YEARS. Age I 2 3 4 5 20 3.77 23.48 43.98 65.33 87.55 21 3.80 23.90 44.81 66.59 89.26 22 3.82 24.33 45.68 67.90 91.03 23 3.85 24.78 46.58 69.26 92.87 24 3.87 25.25 47.51 70.67 94.77 25 3.90 25.74 48.46 72.11 96.73 26 3.93 26.24 49.46 73.62 98.76 27 3.96 26.76 50.48 75.17 100.85 28 4.00 27.30 51.54 76.77 103.02 29 4.03 27.86 52.64 78.43 105.26 30 4.07 28.44 53.78 80.14 107.56 31 4.11 29.03 54.95 81.90 109.94 32 4.16 29.65 56.15 83.72 112.39 33 . 4.21 30.29 57.41 85.61 114.93 34 4.27 30.96 58.71 87.55 117.54 35 4.32 31.64 60.03 89.54 120.21 36 4.39 32.35 61.41 91.60 122.97 37 4.46 33.08 62.81 93.70 125.79 38 4.55 33.84 64.27 95.88 128.71 39 4.63 34.63 65.77 98.12 131.71 40 4.73 35.44 67.33 100.43 134.79 41 4.84 36.29 68.93 102.80 137.95 42 4.95 37.17 70.58 105.24 141.18 43 5.08 38.07 72.27 107.73 144.48 44 5.23 39.01 74.01 110.26 147.82 45 5.39 39.98 75.78 112.84 151.19 46 5.59 40.98 77.59 115.45 154.59 47 5.80 42.01 79.42 118.07 157.98 48 6.04 43.06 81.26 120.68 161.37 49 6.33 44.14 83.12 123.31 164.76 50 6.66 45.25 85.01 125.96 168.16 51 7.03 46.40 86.92 128.62 171.55 52 7.44 47.59 88.86 131.28 174.93 53 7.89 48.80 90.81 133.95 178.28 54 8.40 50.07 92.79 136.62 181.62 55 8.97 51.37 94.79 139.30 184.95 56 9.61 52.72 96.83 141.99 188.24 57 10.31 54.13 98.91 144.68 191.50 58 11.08 55.60 101.01 147.36 194.72 59 11.94 57.13 103.14 150.04 197.91 60 12.90 58.72 105.32 152.73 201.06 118 ^|R MEAN RESERVES 3^A,% 15 Payment Life FULL PRELIMINARY TERM V'EARS. Age 6 7 8 9 lO 20 110.68 134.76 159.84 185.95 213.14 21 112.85 137.42 163.00 189.63 217.35 22 115.11 140.18 166.27 193.44 221.73 23 117.44 143.03 169.66 197.38 226.25 24 119.86 145.97 173.15 201.45 230.92 25 122.34 149.00 176.76 205.65 235.72 26 124.92 152.15 180.50 210.00 240.71 27 127.58 155.40 184.34 214.48 245.84 28 130.33 158.74 188.32 219.10 251.14 29 133.16 162.20 192.43 223.87 256.60 30 136.09 165.77 196.65 228.78 262.21 31 139.11 169.44 201.00 233.84 268.00 32 142.21 173.23 205.48 239.04 273.95 33 145.42 177.12 210.09 244.38 280.06 34 148.71 181.12 214.83 249.88 286.35 35 152.09 185.23 219.68 255.52 292.78 36 155.57 189.46 224.69 261.32 299.40 37 159.14 193.80 229.81 267.25 306.16 38 162.82 198.25 235.07 273.32 313.07 39 166.59 202.82 240.45 279.52 320.12 40 170.47 207.50 245.94 285.85 327.28 41 174.42 212.26 251.52 292.26 334.52 42 178.46 217.11 257.19 298.74 341.84 43 182.57 222.03 262.91 305.29 349.23 44 186.70 226.96 268.64 311.83 356.60 45 190.86 231.91 274.40 318.40 364.00 46 195.04 236.88 280.16 324.96 371.39 47 199.21 241.83 285.89 331.50 378.75 48 203.38 246.76 291.60 337.99 386.05 49 207.52 251.66 297.26 344.42 393.28 50 211.66 256.54 302.87 350.79 400.44 51 215.77 261.36 308.42 357.08 407.48 52 219.84 266.13 313.89 363.25 414.38 53 223.88 270.84 31.9.26 369.30 421.14 54 227.87 275.46 324.52 375.20 427.71 55 231.81 280.00 329.64 380.93 434.09 56 235.69 284.43 334.63 386.49 440.24 57 239.49 288.75 339.47 391.84 446.14 58 243.20 292.95 344.12 396.94 451.73 59 246.85 297.01 348.57 401.80 457.02 60 250.41 300.91 352.81 406.36 461.95 119 ^^ MEAN RESERVES 3^A% 15 Payment Life FULL PRELIMINARY TERM YEARS. Age II 12 13 14 15 20 241.45 270.94 301.65 333.65 366.97 21 246.23 276.31 307.63 340.25 374.25 22 251.19 281.87 313.82 347.10 381.78 23 256.31 287.61 320.21 354.17 389.55 24 261.59 293.54 326.81 361.47 397.56 25 267.04 299.65 333.61 368.98 405.83 26 272.68 305.98 340.65 376.76 414.37 27 278.50 312.49 347.89 384.76 423.16 28 284.49 319.20 355.35 393.00 432.22 29 290.67 326.13 363.05 401.50 441.55 30 297.01 333.23 370.95 410.23 451.14 31 303.55 340.56 379.09 419.22 461.01 32 310.27 348.09 387.45 428.45 471.14 33 317.18 355.82 396.04 437.91 481.52 34 ' 324.28 363.76 404.85 447.61 492.15 35 331.54 371.87 413.83 457.51 503.00 36 339.01 380.20 423.06 467.66 514.09 37 346.61 388.68 432.43 477.96 525.36 38 354.38 397.32 441.97 488.43 536.81 39 362.29 406.10 451.66 499.07 548.45 40 370.30 415.00 461.47 509.84 560.23 41 378.40 423.98 471.38 520.71 572.14 42 386.58 433.05 481.38 531.70 584.18 43 394.83 442.19 491.46 542.78 596.32 44 403.06 451.32 501.53 553.86 608.51 45 411.32 460.48 511.64 565.00 620.78 46 419.57 469.63 521.75 576.16 633.09 47 427.77 478.74 531.83 587.29 645.40 48 435.93 487.79 541.86 598.39 657.70 49 443.99 496.75 551.78 609.40 669.95 50 451.97 505.61 561.62 620.34 682.16 51 459.81 514.31 571.29 631.12 694.27 52 467.50 522.87 580.83 641.79 706.27 53 475.01 531.23 590.16 652.25 718.12 54 482.33 539.37 599.24 662.50 729.81 55 489.41 547.24 608.07 672.50 741.30 56 496.21 554.82 616.58 682.20 752.56 57 502.73 562.06 624.76 691.60 763.60 58 508.89 568.93 632.54 700.63 774.38 59 514.69 575.40 639.93 709.33 784.95 60 520.08 581.42 646.89 717.68 795.34 120 AMER. EXP. Age MEAN RESERVES y^% 10 Payment Life FULL PRELIMINARY TERM YEARS. 20 3.77 34.73 66.98 100.58 135.59 21 3.80 35.33 68.18 102.40 138.06 22 3.82 35.95 69 41 104.28 140.61 23 3.85 36.59 70.70 106.24 143.26 24 3.87 37.25 72.03 108.26 146.00 25 3.90 37.94 73.40 110.34 148.83 26 3.93 38.65 74.82 112.50 151.75 27 3.96 39.39 76.29 114.73 154.78 28 4.00 40.15 77.80 117.03 157.90 29 4.03 40.94 79.38 119.42 161.13 30 4.07 41.75 81.00 121.88 164.46 31 4.11 42.60 82.67 124.41 167.90 32 4.16 43.47 84.40 127.04 171.45 33 4.21 44.37 86.19 129.74 175.11 34 4.27 45.30 88.03 132.53 178.88 35 4.32 46.26 89.93 135.40 182.75 36 4.39 47.26 91.89 138.35 186.74 37 4.46 48.28 93.80 141.38 190.83 38 4.55 49.34 95.96 144.50 195.05 39 4.63 50.42 98.08 147.70 199.37 40 •4.73 51.55 100.28 151.00 203.82 41 4.84 52.71 102.53 154.38 208.36 42 4.95 53.91 104.84 157.85 213.01 43 5.08 55.14 107.21 161.38 217.74 44 5.23 56.41 109.63 164.98 222.56 45 5.39 57.71 112.09 168.63 227.43 46 5.59 59.05 114.60 172.34 232.35 47 5.80 60.42 117.14 176.06 237.29 48 6.04 61.81 119.69 179.79 242.24 49 6.33 63.23 122.25 183.53 247.20 50 6.66 64.67 124.84 187.29 252.18 51 7.03 66.15 127.44 191.05 257.13 52 7.44 67.65 130.05 194.79 262.05 53 7.89 69.18 132.67 198.52 266.93 54 8.40 70.73 135.28 202.22 271.77 55 8.97 72.31 137.88 205.88 276.54 56 9.61 73.92 140.48 209.50 281.23 57 10.31 75.56 143.07 213.06 285.80 58 11.08 77.23 145.63 216.54 290.26 59 11.94 78.92 148.17 219.94 294.58 60 12.90 80.65 150.67 223.25 298.75 121 ^^ MEAN RESERVES yA% 10 Payment Life FULL PRELIMINARY TERM YEARS. ; - Age 6 7 8 9 lO. 20 172.06 210.07 249.68 290.97 334.00 21 175.21 213.92 254.27 296.32 340.15 22 178.46 217.91 259.01 301.86 346.52 23 181.84 222.04 263.93 307.60 353.11 24 185.33 226.30 269.01 313.53 359.93 25 188.93 230.71 274.26 319.65 366.97 26 192.65 235.27 279.69 325.98 374.25 27 196.51 239.99 285.30 332.54 381.78 28 200.48 244.85 291.09 339.29 389.54 29 204.59 249.88 297.08 346.28 397.56 30 208.83 255.07 303.25 353.47 405.83 31 213.21 260.41 309.61 360.90 414.36 32 217.72 265.94 316.18 368.56 423.16 33 222.38 271.62 322.94 376.44 432.22 34 227.16 277.47 329.89 384.55 441.55 35 232.08 283.48 337.05 392.90 451.14 36 237.15 289.67 344.42 401.49 461.01 37 242.35 296.02 351.97 410.30 471.13 38 247.70 302.56 359.74 419.35 481.52 39 253.19 309.25 367.68 428.59 492.14 40 258.82 316.11 375.82 438.07 503.00 41 264.57 323.11 384.12 447.73 514.08 42 270.44 330.26 392.58 457.56 525.36 43 . 276.42 337.52 401.17 467.54 536.81 44 282.49 344.87 409.87 477.67 548.45 45 288.61 352.29 418.65 487.89 560.23 46 294.78 359.78 427.53 498.23 572.14 47 300.99 367.31 436.45 508.65 584.18 48 307.21 374.86 . 445.42 519.13 596.31 49 313.43 382.42 454.40 529.65 608.51 50 319.67 389.99 463.40 540.21 620.78 51 325.87 397.52 472.36 550.75 633.09 52 332.03 405.01 481.30 561.27 645.40 53 383.15 412.44 490.17 571.75 657.69 54 344.19 419.79 498.94 582.14 669.96 55 350.13 427.00 507.59 592.42 682.16 56 355.96 434.09 516.10 602.59 694.28 57 361.64 441 00 524.42 612.57 706.27 58 367.16 447.73 532.55 622.37 718.13 59 372.50 454.23 540.42 631.92 729.81 60 377.63 460.47 548.01 641.21 741.29 122 AMER. EXP. 20 Year Endowment MEAN RESERVES ^6% FULL PRELIMINARY TERM YEARS Age I .3 3 4 8 20 3.77 38.30 74.26 111.74 150.79 21 3.80 38.32 74.28 111.75 150.80 22 3.82 38.34 74.30 111.76 150.81 23 3.85 38.36 74.32 111.78 150.82 24 3.87 38.39 74.35 111.80 15084 25 3.90 38.42 74.38 111.83 150.86 26 3.93 38.45 74.41 111.86 150.89 27 3.96 38.49 74.45 111.90 150.93 28 4.00 38.53 74.49 111.95 150.97 29 4.03 38.57 74.54 112.01 151.02 30 4.07 38.62 74.60 112.08 151.08 31 4.11 38.68 74.67 112.13 151.16 32 4.16 38.74 74.75 112.25 151.25 33 4.21 38.81 74.84 112.35 151.36 34 4.27 38.89 74.94 112.47 151.49 35 4.32 38.98 75.06 112.61 151.64 36 4.39 39.09 75.20 112.77 151.82 37 4.46 39.21 75.36 112.96 152.03 38 4.55 39.35 75.55 113.18 152.29 39 4.63 39.51 75.77 113.45 152.60 40 4.73 39.69 76.02 113.77 152.97 41 4.84 39.89 76.30 114.14 153.40 42 4.95 40.12 76.62 114.55 153.88 43 5.08 40.38 76.99 115.00 154.41 44 5.23 40.67 77.41 115.50 154.98 45 5.39 40.99 77.88 116.05 155.59 46 5.59 41.35 78.39 116.67 156.27 47 5.80 41.75 78.93 117.29 156.94 48 6.04 42.19 79.51 117.98 157.69 49 6.33 42.68 80.14 1 118.72 158.49 50 6.66 43.22 80.83 119.53 159.36 51 7.03 43.81 81.59 120.41 160.31 52 7.44 44.47 . 82.43 121.38 16U5 53 7.89 45.19 83.35 122.45 162.49 54 8.40 45.99 84.36 123.62 163.75 55 8.97 46.84 85.48 124.91 165.14 56 9.61 47.81 86.71 126.33 166.67 57 10.31 48.90 88.06 127.88 168.34 58 11.08 50.04 89.53 129.57 170.16 59 11.94 51.32 91.13 131.41 172.14 60 12.90 52.74 92.88 133.41 174.29 123 Exl!^ MEAN RESERVES ^16% 20 Year Endowment FULL PRELIMINARY TERM YEARS. Age 6 7 8 9 lO 20 191.49 233.90 278.11 324 20 372.25 21 191.48 233.89 278.10 324.17 372.21 22 191.49 233.89 278.09 324.15 372.18 23 191.50 233.89 278.08 324.13 372.15 24 191.51 233 90 278.08 324.12 372.12 25 191.53 233.91 278.08 324.11 372.10 26 191.55 233.92 278.08 324.10 372.08 27 191.58 233.94 278.09 324.10 372.07 28 191.62 233.97 278.11 324.11 372.06 29 191.67 234.01 278.14 324.13 372.06 30 191.73 234.06 278.18 324.16 372.07 31 191.80 234.13 278.23 324.20 372.09 32 191.89 234.22 278.30 324.26 372.12 33 192.00 234.33 278.39 324.34 372.17 34 192.13 234.46 278.51 324.44 372.25 35 192.29 234.62 278.66 324.58 372.37 36 192.48 234.80 278.86 324.76 372.53 37 192.71 235.04 279.11 324.98 372.73 38 192.99 235.33 279.40 325.25 372.97 39 193.32 235.68 279.74 325.57 373.25 40 193.71 236.09 280.14 325.94 373.56 41 194.19 236.56 280.59 326.35 373.90 42 194.70 237.08 281.09 326.79 374.26 43 , 195.26 237.65 281.62 327.25 374.61 44 195.87 238.25 282.15 327.72 374.96 45 196.51 238.86 282.73 328.20 375.32 46 197.18 239.52 283.34 328.69 375.69 47 197.88 240.18 283.93 329.20 376.07 48 198.64 240.91 284.58 329.73 376.47 49 199.45 241.68 285.28 330.29 376.88 50 200.33 242.51 286.03 330.90 377.31 51 201.30 243.46 286.86 331.61 377.79 52 202.36 244.45 287.78 332.34 378.34 53 303.53 245.58 288.80 333.19 378.96 54 204 82 246.83 289.96 334.17 379.66 55 206.24 248.21 291.19 335.18 380.45 56 207.80 249.72 292.54 336.38 381.33 57 209.50 251.37 294.06 337.65 382.28 58 211.35 253.16 295.69 339.01 383.28 59 213.36 255.09 297.44 340.44 384.32 60 215.54 257.17 299.31 341.99 385.39 124 AMER. EXP. 20 Year Endowment MEAN RESERVES yA% FULL PRELIMINARY TERM YEARS. Age II 12 13 14 15 20 422.35 474.59 529.08 585.92 645.21 21 422.30 474.53 529.01 585.83 645.13 22 422.26 474.48 528.95 585.77 645.06 23 422.22 474.43 528.89 585.70 644.98 24 422.18 474.38 528.83 585.63 644.90 25 422.14 474.33 528.77 585.55 644.81 26 422.11 474.28 528.71 585.47 644.71 27 422.08 474.23 528.64 585.39 644.61 28 422.06 474.19 528.57 585.31 644.51 29 422.04 474.15 528.50 585 22 644.41 30 422.02 474.11 528.44 585.13 644.31 31 422.02 474.08 528.39 585.04 644.21 32 422.03 474.07 528.35 584.98 644.11 33 422.06 474.07 528.32 584.92 644.01 34 422.11 474.09 528.31 584.86 643.91 35 422.19 474.14 528.32 584.82 643.81 36 422.30 474.21 528.34 584.78 643.71 37 422.45 474.31 528.37 584.73 643.60 38 422.63 474.43 528.40 584.67 643.47 39 422.83 474.56 528.43 584.60 643.31 40 423.05 474.69 528.45 584.51 643.11 41 423.29 474.82 528.46 584.39 642.88 42 423.54 474.94 528.45 584.24 642.62 43 423.78 475.04 528.41 584.05 642.31 44 424.02 475.13 528.34 583.82 641.94 45 424.25 475.20 528.23 583.54 641.51 46 424.47 475.24 528.07 583.21 641.01 47 424.68 475.26 527.87 582.83 640.44 48 424.89 475.25 527.64 582.40 639.81 49 425.09 475.24 527.37 581.92 639.11 50 425.32 475.23 527.08 581.39 638.35 51 425.58 475.21 526.78 580.80 637.51 52 425.88 475.22 526.47 580.16 636.58 53 426.23 475.24 526.15 579.47 635.56 54 426.63 475.28 525.81 578.72 634.42 55 427.09 475.34 525.45 577.92 633.18 56 427.60 475.42 525.05 577.04 631.80 57 428.13 475.46 524.58 576.02 630.24 58 428.68 475.45 524.01 574.81 628.48 59 429.21 475.38 523.28 573.44 626.55 60 429.73 475.23 522.45 571.95 624.49 125 AMER. EXP. MEAN RESERVES y/i% 20 Year Endowment FULL PRELIMINARY TERM 1 k^EARS. Axe i6 17 i8 19 20 20 707.09 771.68 839.11 909.54 983.10 21 707.01 771.60 839.04 909.49 983.10 22 706.94 771.54 838.98 909.46 983.10 23 706.86 771.46 838.92 909.42 983.10 24 706.78 771.38 838.86 909.38 938.10 25 706.69 771.29 838.79 909.33 983.10 26 706.58 771.19 838.71 909.27 983.10 27 706.48 771.09 838.62 909.21 983.10 28 706.38 770.99 838.53 909.15 983.10 29 706.27 770.88 838.43 909.08 983.10 30 706.15 770.75 838.31 909.00 983.10 31 706.03 770.62 838.18 908.92 983.10 32 705.92 770.50 838.06 908.84 983.10 33 705.80 770.36 837.92 908.75 983.10 34 - 705.67 770.21 837.77 908.65 983.10 35 705.53 770.05 837.61 908.54 983.10 36 705.37 769.86 837.43 908.41 983.10 37 705.18 769.64 837.22 908.26 983.10 38 • 704.96 769.39 836.99 908.09 983.10 39 704.72 769.11 836.73 907.90 983.10 40 704.45 768.78 836.43 907.69 983.10 41 704.15 768.42 836.10 907.46 983.10 42 703.80 768.01 835.72 907.20 983.10 43 703.39 767.53 835.26 906.90 983.10 44 702.92 766.99 834.74 906.56 983.10 45 702.37 766.39 834.16 906.16 983.10 46 701.74 765.71 833.52 905.73 983.10 47 701.03 764.94 832.82 905.25 983.10 48 700.24 764.07 832.06 904.72 983.10 49 699.36 763.11 831.04 904.12 983.10 50 698.39 762.06 830.14 903.46 983.10 51 697.23 760.91 829.05 902.72 983.10 52 696.16 759.63 827.85 901.89 983.10 53 694.87 758.21 826.52 900.97 983.10 54 693.44 756.64 825.04 899.95 983.10 55 691.87 754.90 823.40 898.83 983.10 56 690.13 752.97 821.59 897.59 983.10 57 688.17 750.82 819.59 896.23 983.10 58 686.02 748.47 817.40 894.73 983.10 59 683.64 745.94 815.03 893.08 983.10 60 681.17 743.26 812.51 891.31 983.10 126 AMER. EXP. 15 Year Endowment MEAN RESERVES ^]^% FULL PRELIMINARY TERM YEARS 1. Age 1 3 3 4 5 20 3.77 56.30 111.04 168.10 227.59 21 3.80 56.31 111.04 168.09 227.57 22 3.82 56.32 111.04 168.08 227.55 23 3.85 56.33 111.04 168.07 227.53 24 3.87 56.34 111.04 168.06 227.51 25 3.90 56.36 111.05 168.05 227.49 26 3.93 56.38 111.06 168.05 227.47 27 3.96 56.40 111.07 168.05 227.45 28 4.00 56.43 111.08 168.05 227.43 29 4.03 56.46 111.09 168.05 227.41 , 30 4.07 56.49 111.11 168.05 227.40 31 4.11 56.52 111.13 168.05 227.39 32 4.16 56.55 111.15 168.06 227.38 33 4.21 56.59 111.17 168.07 227.37 34 4.27 56.64 111.20 168.09 227.37 35 4.32 56.69 111.24 168.11 227.37 36 4.39 56.75 111.29 168.14 227.38 37 4.46 56.82 111.35 168.18 227.39 38 4.55 56.90 111.42 168.23 227.41 39 4.63 56.98 111.50 168.29 227.45 40 4.73 57.08 111.60 168.37 227.52 41 4.84 57.20 111.72 168.48 227.61 42 4.95 57.34 111.86 168.62 227.72 43 5.08 57.50 112.02 168.78 227.85 44 5.23 57.68 112.21 168.96 227.99 45 5.39 57.88 112.42 169.15 228.13 46 5.59 58.10 112.65 169.34 228.26 47 5.80 58.34 112.89 169.53 228.37 48 6.04 58.61 113.14 169.72 228 47 49 6.33 58.91 113.41 169.91 228.56 50 6.66 59.24 113.70 170.11 228.65 51 7.03 59.60 114.01 170.33 228.74 52 7.44 60.00 114.35 170.57 228.84 53 7.89 60.45 114.73. 170.84 228.95 54 8.40 60.95 115.15 171.14 229.08 55 8.97 61.50 115.62 171.48 229.23 56 9.61 62.11 116.15 171.87 229.41 57 10.31 62.79 116.75 172.31 229.62 58 11.08 63.55 117.42 172.80 229.84 59 11.94 64.40 118.17 173.35 230.16 60 12.90 65.34 119.00 173.97 230.48 127 MEAN RESERVES 3^^ AMER. EXP. 15 Year Endowment FULL PRELIMINARY TERM YEARS. Age 6 7 8 9 lO 20 289.61 354.29 421.74 492.09 565.47 21 289.58 354.25 421.70 492.04 565.41 22 289.55 354.21 421.65 491.98 565.35 23 289.52 354.17 421.60 491.92 565.29 24 289.49 354.13 421.54 491.86 565.22 25 289.46 354.09 421.48 491.79 565.14 26 289.43 354.04 421.42 491.72 565.06 27 289.40 353.99 421.36 491.65 564.98 28 289.36 353.94 421.30 491.57 564.89 29 289.33 353.89 421.24 491.49 564.80 30 289.30 353.84 421.17 491.41 564.71 31 289.27 353.79 421.10 491.32 564.60 32 289.24 353.74 421.02 491.22 564.49 33 289.21 353.69 420.94 491.12 564.37 34 ' 289.18 353.63 420.86 491.01 564.24 35 289.15 353.57 420.78 490.90 564.11 36 289.13 353.52 420.70 490.79 563.97 37 289.12 353.48 420.62 490.68 563.82 38 289.11 353.45 420.55 490.57 563.67 39 289.12 353.43 420.49 490.46 563.52 40 289.16 353.42 420.44 490.35 563.36 41 289.22 353.43 420.39 490.23 563.18 42 289.29 353.44 420.33 490.10 562.97 43 289.37 353.45 420.25 489.92 562.71 44 289.44 353.43 420.14 489.73 562.40 45 289.50 353.39 419.98 489.46 562.03 46 289.54 353.31 419.77 489.12 561.59 47 289.55 353.19 419.51 488.72 561.08 48 289.53 353.03 419.20 488.26 560.49 49 289.49 352.84 418.84 487.74 559.82 50 289.43 352.62 418.43 487.15 559.07 51 289.35 352.37 417.97 486.50 558.24 52 289.26 352.09 417.46 485.78 557.33 53 289.17 351.78 416.91 484.99 556.33 54 289.08 351.42 416.31 484.12 555.23 55 288.99 351.06 415.66 483.17 554.02 56 288.91 350.68 414.96 482.14 552.70 57 288.84 350.27 414.21 481.03 551.26 58 288.77 349.85 413.40 479.83 549.69 59 288.75 349.44 412.55 478.52 547.97 60 288.72 348.98 411.62 477.09 546.09 128 AMER. EXP. MEAN RESERVES ^}6% 15 Year Endowment FULL PRELIMINARY TERM YEARS. Age II la 13 14 15 20 ' 642.03 721.90 805.26 892.26 983.10 21 641.97 721.84 805.21 892.23 983.10 22 641.90 721.78 805.16 892.20 983.10 23 641.83 721.72 805.10 892.17 983.10 24 641.76 721.66 805.04 892.13 • 983.10 25 641.68 721.59 804.98 892.09 983.10 26 641.60 721.52 804.92 892.05 983.10 27 641.52 721.43 804.85 892.01 983.10 28 641.43 721.33 804.78 891.96 983.10 29 641.33 721.23 804.70 891.91 983.10 30 641.22 721.13 804.61 891.85 983.10 31 641.10 721.02 804.51 891.79 983.10 32 640.98 720.90 804.40 891.72 983.10 33 640.85 720.77 804.29 891.65 983.10 34 640.71 720.63 804.17 891.57 983.10 35 640.56 720.48 804.03 891.49 983.10 36 640.41 720.32 803.88 891.40 983.10 37 640.24 720.15 803.71 891.29 983.10 38 640.06 719.96 803.52 891.17 983.10 39 639.88 719.75 803.32 891.03 983.10 40 639.68 719.51 803.11 890.87 983.10 41 639.44 719.24 802.87 890.69 983.10 42 639.16 718.93 802.58 890.49 983.10 43 638.83 718.57 802.26 890.27 983.10 44 638.45 718.15 801.89 890.02 983.10 45 638.00 717.67 801.45 889.73 983.10 46 637.48 717.12 800.94 889.40 983.10 47 636.88 716.49 800.36 889.03 983.10 48 636.20 715.78 799.71 888.61 983.10 49 635.43 714.98 798.99 888.12 983.10 50 634.57 714.09 798.19 887.58 983.10 51 633.62 713.10 797.30 886.99 983.10 52 632.56 712.01 796.31 . 886.35 983.10 53 631.43 710.81 795.22 885.64 983.10 54 630.15 709.48 794.02 884.84 983.10 55 628.75 708.01 792.69 883.95 983.10 56 627.22 706.39 791.22 882.96 983.10 57 625.54 704.61 789.60 881.87 983.10 58 623.70 702.65 787.81 880.67 983.10 59 621.68 700.49 785.82 879.34 983.10 60 619.45 698.10 783.60 877.86 983.10 129 MEAN RESERVES yA% AMER. EXP. 10 Year Endowment FULL PRELIMINARY TERM YEARS. Age I ■2 3 4 5 20 3.77 95.19 190.51 289.91 393.57 21 3.80 95.19 190.50 289.89 393.54 22 3.82 95.20 190.49 289.87 393.51 23 3.85 95.21 190.48 289.85 393.48 24 3.87 95.22 190.47 289.83 393.45 25 3.90 95.23 190.46 289.80 393.41 26 3.93 95.24 190.45 289.77 393.37 27 3.96 95.25 190.44 289.74 393.33 28 4.00 95.26 190.43 289.71 393.28 29 4.03 95.27 190.42 289.68 393.23 30 4.07 95.28 190.41 289.65 393.18 31 4.11 95.29 190.40 289.61 393.12 32 4.16 95.31 190.39 289.57 393.06 33 4.21 95.33 190.38 289.53 393.00 34- 4.27 95.35 190.37 289.49 392.93 35 4.32 95.38 190.36 289.45 392.86 36 4.39 95.41 190.35 289.40 392.78 37 4.46 95.44 190.33 289.35 392.69 38 4.55 95.47 190.31 289.30 392.59 39 4.63 95.51 190.30 289.24 392.49 40 4.73 95.56 190.30 289.18 392.39 41 4.84 95.61 190.30 289.12 392.28 42 4.95 95.67 190.31 289.06 392.17 43 5.08 95.75 190.32 289.00 392.05 44 5.23 95.84 190.33 288.94 391.91 45 5.39 95.94 190.35 288.87 391.74 46 5.59 96.05 190.37 288.78 391.54 47 5.80 96.17 190.38 288.66 391.30 48 6.04 96.30 190.37 288.51 391.02 49 6.33 96.44 190.36 288.33 390.69 50 6.66 96.60 190.34 288.13 390.31 51 7.03 96.78 190.31 287.90 389.88 52 7.44 96.98 190.28 287.63 389.40 53 7.89 97.20 190.25 287.34 388.87 54 8.40 97.44 190.20 287.00 388.29 55 8.97 97.71 190.16 286.64 387.65 56 9.61 98.01 190.12 286.25 386.94 57 10.31 98.35 190.07 285.82 386.16 58 11.08 98.73 190.02 285.35 385.30 59 11.94 99.16 189.97 284.84 384.35 60 12.90 99.64 189.92 284.29 383.31 130 AMER. EXP. 10 Year Endowment MEAN RESERVES ^^1% 10 Year Endowment FULL PRELIMINARY TERM YEARS. Age 6 7 8 9 lO 20 501.71 614.50 732.17 854.96 983.10 21 501.67 614.46 732.14 854.94 983.10 22 501.63 614.42 732.11 854.92 983.10 23 501.59 614.38 732.08 854.90 983.10 24 501.55 614.34 732.04 854.87 983.10 25 501.50 614.29 731.99 854.84 983.10 26 501.45 614.23 731.94 854.81 983.10 27 501.40 614.17 731.89 854.78 983.10 28 501.34 614.11 731.83 854.74 983.10 29 501.28 614.05 731.77 854.70 983.10 30 501.21 613.98 731.71 854.66 983.19 31 501.14 613.90 731.64 854.62 983.10 32 501.07 613.82 731.57 854.57 983.10 33 500.99 613.73 731.49 854.51 983.10 34 500.90 613.64 731.40 854.45 983.10 35 500.81 613.54 731.30 854.38 983.10 36 500.71 613.43 731.19 854.31 983.10 37 500.60 613.31 731.07 854.23 983.10 38 500.47 613.15 730.94 854.14 983.10 39 500.33 613.00 730.80 854.04 983.10 40 500.19 612.86 730.65 853.93 983.10 41 500.04 612.68 730.48 853.81 983.10 42 499.87 612.48 730.29 853.68 983.10 43 499.68 612.26 730.07 853.53 983.10 44 499.49 612.01 729.82 853.36 983.10 45 499.24 611.72 729.53 853.16 983.10 46 498.96 611.38 729.20 852.93 983.10 47 498.60 610.98 728.82 852.67 983.10 48 498.22 610.52 728.38 852.37 983.10 49 497.78 610.00 727.88 852.03 983.10 50 497.27 609.42 727.32 851.65 983.10 51 496.69 608.77 726.70 851.23 983.10 52 496.04 608.04 726.01 850.76 983.10 53 495.32 607.23 725.25 850.23 983.10 54 494.53 606.33 724.41 • 849.64 983.10 55 493.66 605.34 723.47 848.99 983.10 56 492.70 604.24 722.42 848.27 983.10 57 491.64 603.02 721.25 847.47 983.10 58 490.47 601.67 719.96 846.58 983.10 59 489.18 600.19 718.54 845.59 983.10 60 487.77 598.57 716.98 844.50 983.10 AMER. EXP. Age 131 MEAN RESERVES ^l^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS. 20 73.92 71.56 69.10 66.53 63.86 21 74.90 72.54 70.07 67.50 64.82 22 75.96 73.59 71.12 68.55 65.86 23 77.12 74.75 72.28 69.71 67.01 24 78.39 76.03 73.56 70.97 68.27 25 79.80 77.44 74.96 72.37 69.66 26 81.34 78.98 76.51 73.92 71.20 27 83.06 80.71 78.23 75.64 72.91 28 84.97 82.63 80.15 77.56 74.83 29 87.11 84.77 82.31 79.71 76.98 30 89.52 87.19 84.74 82.15 79.40 31 92.23 89.92 87.47 84.88 82.14 32 95.29 93.00 90.56 87.99 85.25 33 - 98.73 96.47 94.05 91.49 88.76 34 102.60 100.36 97.97 95.42 92.69 35 106.93 104.73 102.37 99.84 97.11 36 111.78 109.62 107.28 104.78 102.07 37 . 117.20 115.08 112.78 110.30 107.61 38 123.22 121.16 118.91 116.46 113.80 39 129.91 127.91 125.71 123.31 120.68 40 137.33 135.40 133.27 130.92 128.31 41 145.53 143.68 141.62 139.32 136.75 42 154.58 152.82 150.84 148.60 146.06 43 164.53 162.87 160.97 158.79 156.29 44 175.44 173.89 172.08 169.97 167.50 45 187.37 185.94 184.22 182.17 179.73 46 200.39 199.08 197.46 195.48 193.06 47 214.55 213.38 211.86 209.94 207.54 48 229.90 228.87 227.46 225.60 223.24 49 246.50 245.61 244.31 242.54 240.22 50 264.38 263.65 262.48 260.80 258.53 51 283.56 283.01 281.98 280.41 278.20 52 304.05 303.68 302.81 301.35 299.22 53 325.76 325.60 324.90 323.58 321.53 54 348.61 348.67 348.16 346.99 345.05 55 372.49 372.77 372.46 371.46 369.65 56 397.29 397.82 397.74 396.92 395.25 57 422.91 423.72 423.87 423.25 421.74 58 449.31 450.40 450.80 450.41 449.08 59 476.43 477.82 478.50 478.36 477.25 60 504.19 505.91 506.90 507.04 506.20 132 ^^l^' MEAN RESERVES 3/4% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS. Age 6 y 8 9 lO 20 61.07 58.16 55.12 51.95 48.62 21 62.02 59.10 56.04 52.84 49.49 22 63.05 60.11 57.04 53.81 50.44 23 64.19 61.23 58.14 54.89 51.49 24 65.43 62.46 59.35 56.08 52.63 25 66.82 63.83 60.69 57.39 53.91 26 68.34 65.34 62.18 58.85 55.33 27 70.05 67.03 63.84 60.48 56.92 28 71.95 68.91 65.70 62.30 58.71 29 74.08 71.03 67.79 64.36 60.71 30 76.51 73.43 70.17 66.70 62.99 31 79.24 76.15 72.86 69.34 65.58 32 82.34 79.23 75.91 72.35 68.53 33 85.84 82.71 79.35 75.75 71.88 34 89.77 86.62 83.24 79.59 75.66 35 94.18 91.03 87.62 83.93 79.92. 36 99.14 95.97 92.54 88.80 84.71 37 104.69 101.52 98.05 94.25 90.08 38 110.89 107.70 104.20 100.33 96.05 39 117.78 114.58 111.03 107.08 102.68 40 125.42 122.20 118.60 • 114.57 110.01 i 41 133.87 130.63 126.97 122.81 1 118.08 42 143.18 139.91 136.17 131.87 126.95 43 153.42 150.09 146.25 141.81 136.67 44 164.61 161.23 157.28 152.67 147.31 45 176.82 173.37 169.31 164.53 158.92 46 190.13 186.62 182.43 177.47 171.61 47 204.60 201.02 196.71 191.55 185.42 48 220.28 216.64 212.20 206.85 200.43 49 237.26 233.55 228.99 223.43 216.73 50 255.57 251.80 247.12 241.36 234.37 51 275.25 271.43 266.63 260.68 253.39 52 296.29 292.45 287.54 281.40 273.81 53 318.65 314.79 309.78 303.45 295.56 54 342.23 338.35 333.26 326.75 318.58 55 366.90 363.03 357.87 351.20 342.76 56 392.58 388.74 383.53 376.72 368.01 57 419.18 415.38 410.15 403.21 394.25 58 446.66 442.95 437.72 430.68 421.51 59 475.01 471.41 466.22 459.13 449.79 60 504.16 500.73 495.63 488.56 479.13 133 ^1^ MEAN RESERVES ^l^% 20 Year Mortuary Additions ( LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS. Age II 12 13 14 15 20 45.14 41.50 37.68 33.66 29.44 21 45.98 42.30 38.43 34.36 30.07 22 46.89 43.17 39.24 35.12 30.76 23 47.90 44.13 40.15 35.96 31.53 24 49.00 45.19 41.15 36.89 32.37 25 50.24 46.37 42.27 37.93 33.31 26 51.62 . 47.68 43.51 39.08 34.36 27 53.15 49.15 44.90 40.37 35.53 28 54.88 50.81 46.46 41.83 36.87 29 56.82 52.67 48.23 43.49 38.39 30 59.04 54.80 50.27 45.40 40.15 31 61.55 57.23 52.59 47.58 42.16 32 . 64.43 60.02 55.25 50.09 44.48 33 67.70 63.18 58.28 52.94 47.11 34 71.39 66.75 61.70 56.16 50.07 35 75.56 70.78 65.55 59.78 53.39 36 80.23 75.31 69.86 63.82 57.08 37 85.47 80.36 74.68 68.32 61.19 38 91.29 85.98 80.01 73.30 65.73 39 97.74 92.18 85.89 78.79 70.75 40 104.86 99.02 92.38 84.86 76.29 41 112.69 106.55 99.54 91.54 82.40 42 121.30 114.83 107.40 98.89 89.12 43 130.75 123.91 116.04 106.97 96.52 44 141.08 133.86 125.50 115.82 104.64 45 152.38 144.74 135.85 125.52 113.54 46 164.71 156.63 147.19 136.16 123.31 47 178.16 169.62 159.57 147.80 134.02 48 192.80 183.76 173.09 160.51 145.73 49 208.71 199.i5 187.80 174.37 158.53 50 225.94 215.83 203.78 189.46 172.50 51 244.54 233.87 221.10 • 205.85 187.69 52 264.53 253.30 239.78 223.55 204.12 53 285.87 274.06 259.76 242.50 221.74 54 308.47 296.07 280.96 262.64 240.49 55 332.23 319.22 303.29 283.86 260.25 56 357.06 343.46 326.69 306.13 281.00 57 382.91 368.71 351.10 329.40 302.74 58 409.79 395.03 376.61 353.77 325.63 59 437.76 422.49 403.32 379.46 349.95 60 466.86 451.17 431.39 406.68 375.99 134 A^^ MEAN RESERVES yA,% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $ 1,000 of Additions actually in force. YEARS. Age 16 17 x8 19 20 20 25.00 20.32 15.39 10.17 4.63 21 25.56 20.79 15.75 10.41 4.73 22 26.17 21.30 16.14 10.66 4.84 23 26.84 21.86 16.57 10.95 4.96 24 27.58 22.48 17.05 11.26 5.08 25 28.40 23.17 17.59 11.63 5.23 26 29.32 23.95 18.20 12.03 5.40 27 30.37 24.84 18.90 12.50 5.59 28 31.56 25.85 19.69 13.03 5.80 29 32.91 27.00 20.60 13.64 6.04 30 34.49 28.34 21.66 14.35 6.34 31 36.28 29.88 22.87 15.16 6.66 32 38.35 31.65 24.26 16.09 7.03 33 40.70 33.64 25.82 17.12 7.44 34 43.34 .35.87 27.55 18.27 7.89 35 46.28 38.35 29.48 19.55 8.40 36 49.55 41.11 31.63 20.98 8.97 37 53.18 44.18 34.02 22.56 9.61 38 57.21 47.58 36.67 24.32 10.31 39 61.65 51.32 39.59 26.25 11.08 40 66.56 55.46 42.82 28.41 11.95 41 71.96 60.03 46.39 30.79 12.90 42 77.92 65.08 50.35 33.42 13.95 43 84.49 70.65 54.71 36.33 15.12 44 91.71 76.78 59.51 39.53 16.40 45 99.64 83.50 64.79 43.06 17.82 46 109.35 90.91 70.62 46.98 19.39 47 117.90 99.06 77.05 51.30 21.12 48 128.38 108.03 84.14 56.06 23.02 49 139.86 117.86 91.92 61.31 25.12 50 152.41 128.63 100.47 67.08 27.42 51 166.08 .140.39 109.82 73.41 29.95 52 180.90 153.15 119.99 80.30 32.69 53 196.81 166.88 130.92 87.68 35.62 54 213.75 181.48 142.54 95.53 38.73 55 231.61 196.88 154.81 103.84 42.05 56 250.38 213.11 167.82 112.74 45.59 57 270.12 230.30 181.72 122.34 49.43 58 291.08 248.74 196.82 132.89 53.65 59 313.59 268.79 213.44 144.66 58.37 60 : 337.97 290.78 231.90 157.84 63.64 135 ^p — ... „ y/^% AMER MEAN RESERVES 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. Age YEARS. 20 55.59 52.83 49.96 46.97 43.87 21 56.16 53.39 50.50 47.50 44.38 22 56.77 53.99 51.10 48.08 44.94 2Z 57.45 54.66 51.75 48.72 45.55 24 58.19 55.39 52.46 49.41 46.23 25 58.99 56.18 53.24 50.17 46.96 26 59.88 57.05 54.10 51.01 47.77 27 60.84 58.00 55.03 51.92 48.66 28 61.90 59.05 56.06 52.93 49.65 29 63.06 60.20 57.19 54.04 50.72 30 64.35 61.47 58.45 55.27 51.91 31 65.78 62.89 59.84 56.63 53.24 32 67.36 64.45 61.38 58.15 54.73 33 69.14 66.21 63.12 59.86 56.41 34 71.13 68.19 65.08 61.79 58.28 35 73.39 70.44 67.31 63.98 60.43 36 75.94 72.98 69.82 66.45 62.86 37 78.84 75.86 72.68 69.28 65.63 38 82.10 79.11 75.91 72.47 68.77 39 85.78 82.78 79.55 76.07 72.32 40 89.91 86.90 83.65 80.14 76.32 41 94.54 91.52 88.25 84.70 80.81 42 99.72 96.70 93.40 89.80 85.83 43 105.49 102.46 99.14 95.47 91.42 44 111.89 108.86 105.50 101.77 97.61 45 118.99 115.95 112.54 108.74 104.45 46 126.83 123.77 120.32 116.42 111.97 47 135.47 132.40 128.88 124.86 120.25 48 144.97 141.87 138.27 134.13 129.33 49 155.38 152.23 148.56 144.27 139.29 50 166.75 163.57 159.80 155.38 150.17 51 179.19 175.96 172.10 167.52 162.09 52 192.74 189.47 185.51 180.76 175.09 53 207.48 204.16 200.10 195.17 189.25 54 223.46 220.11 215.94 210.84 204.66 55 240.76 237.36 233.08 227.81 221.37 56 259.39 255.96 251.59 246.15 239.43 57 279.39 275.94 271.48 265.85 258.86 58 300.69 297.22 292.68 286.88 279.62 59 323.20 319.74 315.11 309.15 301.62 60 346.84 343.38 338.69 332.58 324.78 136 '\xpf MEAN RESERVES 3 J 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $1,000 of Additions actually in force. YEARS. Age 6 7 8 9 10 20 40.63 37.26 33.75 30.08 26.25 21 41.12 37.73 34.18 30.48 26.61 22 41.66 38.24 34.66 30.92 27.01 23 42.25 38.80 35.19 31.41 27.45 24 42.90 39.41 35.77 31.95 27.94 25 43.60 40.09 36.41 32.54 28.48 26 44.39 40.84 37.11 33.19 29.07 27 45.25 41.66 37.88 33.91 29.73 28 46.19 42.56 38.74 34.71 30.45 29 47.23 43.55 39.68 35.58 31.24 30 48.39 44.66 40.73 36.56 32.13 31 49.68 45.90 41.89 37.64 33.12 32 51.12 47.28 43.20 38.86 34.23 33 52.74 48.83 44.67 40.23 35.49 34 54.56 50.58 46.34 41.80 36.93 35 56.64 52.59 48.26 43.61 38.60 36 59.01 54.88 50.45 45.67 40.51 37 61.72 57.51 52.96 48.04 42.70 38 64.79 60.49 55.82 50.74 45.18 39 68.26 63.85 59.04 53.77 47.98 40 72.17 67.64 62.67 57.19 51.12 41 76.56 71.89 66.73 61.00 54.61 42 81.47 76.63 71.25 65.23 58.48 43 86.92 81.89 76.25 69.90 62.76 44 92.95 87.69 81.76 75.06 67.48 45 99.59 94.09 87.85 80.76 72.69 46 106.91 101.14 94.55 87.03 78.44 47 114.96 108.89 101.93 93.94 84.77 48 123.80 117.41 110.04 101.54 91.74 49 133.48 126.75 118.93 109.88 99.40 50 144.09 136.97 128.68 119.03 107.82 51 155.70 148.18 139.38 129.08 117.06 52 168.37 160.43 151.08 140.09 127.20 53 182.19 173.80 163.86 • 152.13 138.31 54 197.24 188.37 177.81 165.28 150.47 55 213.58 204.20 192.98 179.62 \6Z.76 56 231.25 221.35 209.45 195.22 17S.22 57 250.28 239.85 227.25 212.09 193.89 58 270.64 259.67 246.32 230.18 210.73 59 292.25 280.70 266.59 249.43 228.64 60 315.01 302.88 287.97 269.75 247.56 137 *i^ MEAN RESERVES y/l% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS. Age II 12 13 14 15 20 22.25 18.06 13.68 9.09 4.27 21 22.56 18.33 13.89 9.22 4.32 22 22.92 18.62 14.11 9.37 4.39 23 23.30 18.94 14.36 9.54 4.46 24 23.73 19.31 14.65 9.74 4.55 25 24.20 • 19.71 14.96 9.95 4.63 26 24.73 20.15 15.31 10.18 4.73 27 25.31 20.64 15.68 10.43 4.84 28 25.95 21.17 16.10 10.70 4.96 29 26.64 21.75 16.55 11.00 5.08 30 27.42 22.41 17.06 11.35 5.23 31 28.29 23.15 17.65 11.75 5.40 32 - 29.28 23.99 18.31 12.20 5.59 33 30.41 24.95 19.07 12.71 5.80 34 31.70 26.05 19.94 13.29 6.04 35 33.19 27.33 20.95 13.99 6.34 36 34.90 28.79 22.11 14.77 6.66 37 36.87 30.48 23.44 15.66 7.03 38 39.09 32.38 24.93 16.66 7.44 39 41.59 34.49 26.58 17.76 7.89 40 44.37 36.84 28.42 18.99 8.40 41 47.46 39.46 30.47 20.37 8.97 42 50.90 42.37 32.75 21.89 9.61 43 54.69 45.58 35.27 23.58 10.31 44 58.88 49.13 38.04 25.44 11.08 45 63.51 53.05 41.12 27.50 11.95 46 68.62 57.38 44.52 29.79 12.90 47 74.24 62.16 48.28 32.32 13.95 48 80.45 • 67.44 52.44 35.12 15.12 49 87.28 73.25 57.01 38.20 16.40 50 94.78 79.64 62.04 41.59 17.82 51 103.04 86.68 67.61 45.37 19.39 52 112.10 94.43 73.76 49.53 21.12 53 122.06 102.97 80.52 54.12 23.02 54 132.98 112.34 87.97 59.19 25.12 55 144.93 122.61 96.16 64.75 27.42 56 157.97 133.85 105.11 70.86 29.95 57 172.11 146.05 114.86 77.51 32.69 58 187.32 159.18 125.35 84.64 35.62 59 203.51 173.15 136.48 92.21 38.73 60 220.61 187.90 148.25 100.24 42.05 138 ^If MEAN RESERVES 3^^ 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS. Age I 2 3 4 s 20 37.38 34.23 30.95 27.55 24.01 21 37.69 34.53 31.23 27.80 24.24 22 38.02 34.84 31.52 28.08 24.49 23 38.38 35.17 31.84 28.37 24.75 24 38.77 35.55 32.19 28.69 25.04 25 39.20 35.95 32.57 29.04 25.36 26 39.64 36.38 32.97 29.41 25.69 27 40.14 36.85 33.41 29.82 26.07 28 40.68 37.36 33.89 30.27 26.48 29 41.27 37.93 34.43 30.77 26.93 30 41.93 38.56 35.02 31.32 27.42 31 42.65 39.25 35.67 31.92 27.98 32 43.43 39.99 36.38 32.58 28.58 33 44.29 40.82 37.17 33.32 29.25 34 45.24 41.73 38.03 34.12 29.98 35 46.31 42.75 38.99 35.02 30.80 36 47.48 43.88 40.06 36.02 31.71 37 48.79 45.14 41.26 37.14 32.74 38 50.27 46.56 42.61 38.40 33.91 39 51.94 48.17 44.15 39.85 35.24 40 53.84 50.01 45.91 41.52 36.78 41 56.02 52.12 47.93 43.43 38.55 42 58.49 54.53 50.24 45.61 40.58 43 61.30 57.25 52.86 48.09 42.87 44 64.46 60.32 55.80 50.87 45.45 45 68.01 63.77 59.11 53.99 48.32 46 71.98 67.62 62.81 57.47 51.51 47 76.42 71.92 66.92 61.33 55.06 48 81.34 76.68 71.46 65.59 58.98 49 86.78 81.94 76.48 70.30 63.30 50 92.80 87.75 82.02 75.51 68.09 51 99.44 94.17 88.15 81.26 73.38 52 106.76 101.24 94.90 87.60 79.21 53 114.82 109.03 102.33 94.59 85.63 54 123.66 117.58 110.49 102.26 92.70 55 133.36 126.95 119.45 110.69 100.47 56 143.99 137.24 129.29 119.96 109.03 57 155.62 148.50 140.07 130.12 118.41 58 168.33 160.82 151.87 141.25 128.70 59 182.19 174.25 164.75 153.43 139.98 60 197.25 188.87 178.79 166.72 152.32 139 ^EXP^ MEAN RESERVES ^16% 10 Year Mortuary Additions ( LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 6 7 8 9 ID 20 20.34 16.51 12.52 8.36 4.03 21 20.54 16.67 12.65 8.46 4.07 22 20.75 16.85 12.79 8.55 411 23 20.98 17.04 12.94 8.65 4.16 24 21.24 17.26 13.11 8.77 4.22 25 21.51 17.50 13.29 8.89 4.27 26 21.81 17.75 13.48 9.01 4.33 27 22.14 18.02 13.70 9.16 4.39 28 22.50 18.32 13.93 9.32 4.46 29 22.89 18.66 14.20 9.51 4.55 30 23.34 19.03 14.50 9.71 4.63 31 23.83 19.45 14.83 9.93 4.73 32 24.37 19.90 15.18 10.16 4.84 33 24.95 20.40 15.56 10.42 4.96 34 25.60 20.94 15.99 10.71 5.08 35 26.32 21.55 16.47 11.05 5.23 36 27.13 22.24 17.00 11.42 5.40 37 28.05 23.03 17.64 11.85 5.59 38 29.10 23.93 18.36 12.34- 5.80 39 30.29 24.95 19.17 12.89 6.04 40 31.68 26.14 20.12 13.55 6.34 41 33.27 27.51 21.22 14.30 6.66 42 35.09 29.08 22.47 15.15 7.03 43 37.15 30.85 23.86 16.09 7.44 44 39.46 32.80 25.40 17.14 7.89 45 42.02 34.98 27.12 . 18.30 8.40 46 44.86 37.40 29.03 19.60 8.97 47 48.02 40.09 31.15 21.05 9.61 48 51.51 43.07 33.50 22.64 10.31 49 55.37 46.35 36.09 24.40 11.08 50 59.64 49.98 38.96 26.36 11.95 51 64.35 54.00 42.14 28.53 12.90 52 69.55 58.44 45.66 30.93 13.95 53 75.30 63.35 49.55 33.59 15.12 54 81.62 68.75 53.83 36.51 16.40 55 88.57 74.70 58.55 39.73 17.82 56 96.23 81.26 63.77 43.32 19.39 57 104.64 88.49 69.53 47.27 21.12 58 113.50 96.45 75.88 51.63 23.02 59 124.06 105.20 82.87 56.45 25.12 60 135.18 114.79 90.56 61.73 27.42 140 AMER. EXP. MEAN RESERVES 3^ 5 Year Term (LEVEL PREMIUM RESERVES) YEARS Age I a 3 A 5 20 3.87 3.94 3.97 3.95 3.87 21 3.90 3.97 4.00 3.98 3.90 22 3.92 4.00 4.03 4.02 3.93 23 3.95 4.04 4.07 4.05 3.96 24 3.98 4.07 4.11 4.09 3.99 25 4.03 4.13 4.16 4.14 4.03 26 4.06 4.17 4.22 4.19 4.07 27 4.11 4.22 4.27 4.23 4.11 28 4.15 4.28 4.32 4.29 4.16 29 4.20 4.34 4.39 4.35 4.21 30 4.25 4.40 4.46 4.42 4.26 31 4.31 4.47 4.54 4.49 4.32 32 4.38 4.55 4.61 4.57 4.39 33 4.44 4.62 4.70 4.66 4.46 34 4.52 4.73 4.82 4.76 4.54 35 4.61 4.84 4.94 4.88 4.63 36 4.71 4.96 5.07 5.00 4.74 Z7 4.82 5.09 5.21 5.14 4.84 38 4.92 5.23 5.36 5.28 4.95 39 5.05 5.38 5.52 5.43 5.08 40 5.19 5.56 5.72 5.62 5.23 41 5.35 5.77 5.94 5.83 5.39 42 5.53 6.00 6.20 6.08 5.58 43 5.74 6.27 6.49 6.36 5.80 44 5.97 6.57 6.83 6.68 6.04 45 6.25 6.94 7.23 7.07 6.34 46 6.56 7.35 7.70 7.50 6.65 47 6.91 7.82 8.22 7.99 7.02 48 7.32 8.35 8.79 8.53 7.44 49 7.71 8.93 9.42 9.12 7.89 50 8.26 9.56 10.10 9.77 8.41 51 8.81 10.26 10.87 10.50 8.96 52 9.43 11.04 11.72 11.31 9.61 53 10.11 11.91 12.67 12.21 10.30 54 10.87 12.86 13.70 13.18 11.07 55 11.70 13.91 14.84 14.28 11.94 56 12.63 15.08 16.11 15.48 12.90 57 13.65 16.36 17.51 16.82 13.95 58 14.78 17.79 19.07 18.30 15.11 59 16.02 19.35 20.76 19.91 16.40 60 17.39 21.06 22.62 21.69 17.81 141 "kc^ mean reserves 3^^ 10 Year Term (LEVEL PREMIUM RESERVES) YEARS Age .1 ..3 3 ,4 5 20 4.00 4.21 4.37 4.49 4.57 21 4.03 4.25 4.43 4.56 4.64 22 4.06 4.29 4.48 4.64 4.73 2Z 4.11 4.35 4.56 4.72 4.81 24 4.15 4.42 4.64 4.81 4.92 25 4.21 4.50 4.75 4.92 5.03 26 4.26 4.57 4.83 5.03 5.14 27 4.32 4.66 4.94 5.14 5.27 28 4.38 4.75 5.05 5.28 5.43 29 4.45 4.85 5.18 5.43 5.58 30 4.53 4.96 5.32 5.60 5.77 31 4.61 5.09 5.49 5.79 5.99 32 4.71 5.23 5.66 6.00 6.22 ZZ' 4.81 5.37 5.85 6.23 6.47 34 4.92 5.56 6.09 6.49 6.76 35 5.05 5.75 6.34 6.78 7.07 36 5.20 5.97 6.61 7.10 7.42 37 5.36 6.21 6.92 7.47 7.83 38 5.53 6.47 7.26 7.88 8.29 39 5.73 6.78 7.67 8.37 8.84 40 5.96 7.14 8.15 8.94 9.48 41 6.23 7.56 8.70 9.60 10.22 42 6.53 8.05 9.35 10.38 11.09 43 6.88 8.60 10.08 11.26 12.07 44 7.26 9.22 10.91 12.25 13.18 45 7.71 9.94 11.85 13.37 14.42 46 8.21 10.73 12.90 14.61 15.78 47 8.77 11.62 14.06 15.97 17.26 48 9.38 12.58 15.30 17.44 18.87 49 10.06 13.64 16.67 19.04 20.63 50 10.81 14.79 18.15 20.79 22.56 51 11.63 16.05 19.79 22.72 24.68 52 12.55 17.45 21.59 24.84 27.02 53 13.56 18.99 23.58 27.17 29.58 54 14.66 20.66 25.74 29.71 32.38 55 15.88 22.51 28.11 32.51 35.47 56 17.22 24.53 30.72 35.58 38.86 57 18.69 26.75 33.58 38.95 42.58 58 20.31 29.18 36.71 42.63 46.63 59 22.07 31.84 40.13 46.65 51.10 60 24.01 34.74 43.85 51.06 55.98 142 AMER. EXP. MEAN RESERVES ^l^% 10 Year Term (LEVEL PREMIUM RESERVES) YEARS Agt 6 7 8 9 lO 20 4.59 4.56 4.46 4.28 4.02 21 4.67 4.64 4.53 4.35 4.07 22 4.76 4.72 4.61 4.40 4.11 23 4.84 4.80 4.68 4.47 4.16 24 4.96 4.91 4.78 4.55 4.21 25 5.07 5.02 4.88 4.64 4.27 26 5.18 5.14 4.99 4.72 4.32 27 5.33 5.28 5.10 4.81 4.39 28 5.48 5.41 5.24 4.93 4.46 29 5.64 5.59 5.40 5.06 4.54 30 5.84 5.78 5.57 5.19 4.62 31 6.06 6.00 5.77 5.35 4.73 32 6.31 6.24 5.98 5.52 4.84 33 6.57 6.49 6.21 5.71 4.95 34 6.86 6.77 6.47 5.91 5.08 35 7.18 7.08 6.75 6.15 5.23 36 7.55 7.45 7.09 6.42 5.39 37 7.97 7.87 7.47 6.73 5.58 38 8.46 8.36 7.92 7.09 5.80 39 9.03 8.92 8.43 7.50 6.04 40 9.71 9.59 9.05 8.00 6.33 41 10.50 10.37 9.75 8.55 6.65 42 11.41 11.28 10.57 9.19 7.02 43 12.45 12.29 11.48 9.90 7.43 44 13.60 13.40 12.47 10.67 7.88 45 14.88 14.64 13.57 11.55 8.40 46 16.28 15.99 14.78 12.50 8.97 47 17.81 17.48 16.12 13.57 9.61 48 19.47 19.10 17.59 14.73 10.30 49 21.30 20.88 19.19 16.00 11.08 50 23.31 22.84 20.95 17.41 11.94 51 25.51 24.99 22.90 18.97 12.90 52 27.93 27.36 25.06 20.71 13.95 53 30.60 29.98 27.42 " 22.60 15.11 54 33.52 32.84 30.02 24.69 16.40 55 36.74 36.00 32.89 26.99 17.81 56 40.26 39.45 36.04 29.55 19.39 57 44.14 43.27 39.53 32.36 21.11 58 48.39 47.47 43.37 35.46 23.02 59 53.07 52.09 47.59 38.88 25.12 60 58.18 57.14 52.21 42.62 27.42 143 MEAN RESERVES 3^^ 20 Year Term (LEVEL PREMIUM RESERVES) AMER. EXP. 20 Year Term YEARS Age I a 3 4 5 20 4.33 4.89 5.42 5.92 6.40 21 4.39 4.98 5.56 6.10 6.61 22 4.46 5.09 5.71 6.31 6.87 23 4.54 5.23 5.90 6.54 7.15 24 4.62 5.37 6.10 6.80 7.46 25 4.72 5.54 6.34 7.09 7.81 26 4.82 5.71 6.58 7.41 8.19 27 4.93 5.91 6.86 7.76 8.63 28 5.06 6.13 7.17 8.17 9.13 29 5.20 6.38 7.52 8.63 9.68 30 5.36 6.66 7.92 9.15 10.31 31 5.54 6.98 8.39 9.74 11.04 32 5.74 7.34 8.90 10.42 11.87 33- 5.96 7.74 9.48 11.18 12.80 34 6.22 8.21 10.16 12.06 13.87 35 6.52 8.75 10.93 13.05 15.08 36 6.85 9.34 11.78 14.15 16.44 37 7.21 10.00 12.73 15.39 17.97 38 7.62 10.74 13.81 16.81 19.71 39 8.07 11.57 15.01 18.38 21.66 40 8.58 12.50 16.37 20.16 23.83 41 9.15 13.55 17.89 22.14 26.26 42 9.78 14.71 19.58 24.34 28.96 43 10.49 16.00 21.44 26.77 31.93 44 11.27 17.42 23.49 29.44 35.20 45 12.13 18.98 25.74 32.36 38.75 46 13.08 20.70 28.21 35.53 42.59 47 14.10 22.56 30.87 38.96 46.74 48 15.23 24.57 33.73 42.65 51.21 49 16.45 26.74 36.82 46.61 56.03 50 17.78 29.07 40.14 50.89 61.24 51 19.21 31.58 43.71 55.50 66.82 52 20.76 34.31 47.57 60.44 72.82 53 22.43 37.21 51.67 65.71 79.20 54 24.22 40.30 56.03 71.29 85.97 55 26.12 43.56 60.62 77.18 93.12 56 28.14 47.01 65.46 83.37 100.60 57 30.29 50.65 70.54 89.85 108.42 58 32.57 54.47 75.86 96.61 116.56 59 34.97 58.45 81.39 103.64 125.03 60 37.52 62.63 87.16 110.95 133.82 144 AMER EXP MEAN RESERVES ^l^% 20 Year Term (LEVEL PREMIUM RESERVES) YEARS Age 6 7 8 9 lO 20 6.83 7.22 7.53 7.82 8.11 21 7.09 7.52 7.90 8.22 8.48 22 7.39 7.86 8.27 8.62 8.90 23 7.71 8.22 8.68 9.07 9.38 24 8.08 8.63 9.13 9.56 9.90 25 8.48 9.09 9.64 10.11 10.49 26 8.93 9.61 10.21 10.73 11.15 27 9.44 10.18 10.84 11.42 11.90 28 10.02 10.83 11.57 12.22 12.75 29 10.66 11.57 12.40 13.12 13.71 30 11.41 12.43 13.35 14.15 14.80 31 12.26 13.40 14.43 15.32 16.07 32 13.25 14.52 15.67 16.68 17.53 33 14.34 15.77 17.07 18.22 19.19 34 15.59 17.20 18.67 19.98 21.10 35 17.02 18.83 20.50 21.99 23.27 36 18.62 20.68 22.57 24.27 25.72 37 20.43 22.76 24.90 26.83 28.48 38 22.49 25.11 27.54 29.72 31.59 39 24.79 27.74 30.48 32.92 35.04 40 27.36 30.69 33.76 36.52 38.86 41 30.22 33.96 37.40 40.47 43.06 42 33.39 37.57 41.40 44.80 47.67 43 36.88 41.52 45.77 49.53 52.69 44 40.69 45.83 50.53 54.68 58.17 45 44.83 50.51 55.68 60.26 64.12 46 . 49.30 55.56 61.28 66.34 70.59 47 54.13 61.04 67.34 72.91 77.59 48 59.35 66.95 , 73.88 80.01 85.17 49 64.98 73.33 80.95 87.69 93.39 50 71.05 80.22 88.58 95.99 102.27 51 77.57 87.61 96.79 104.94 111.84 52 84.57 95.56 105.62 114.55 122.14 53 92.03 104.03 115.02 124.79 133.11 54 99.93 113.00 124.96 135.63 • 144.74 55 108.26 122.44 135.44 147.05 156.99 56 116.98 132.32 146.41 159.00 169.79 57 126.07 142.62 157.84 171.45 183.12 58 135.54 153.34 169.72 184.37 196.95 59 145.38 164.47 182.03 197.76 211.29 60 155.58 175.98 194.77 211.62 226.13 145 ^^' MEAN RESERVES 20 Year Term (LEVEL PREMIUM RESERVES) 3^% 1 k^EARS Age II 13 13 14 15 20 8.27 8.35 8.35 8.25 8.03 21 8.66 8.77 8.77 8.66 8.42 22 9.11 9.23 9.23 9.12 8.87 23 9.61 9.73 9.74 9.63 9.37 24 10.15 10.29 10.32 10.20 9.91 25 10.78 10.94 10.97 10.84 10.53 26 11.47 11.65 11.67 11.54 11.20 27 12.25 12.46 12.50 12.35 11.98 28 13.14 13.38 13.43 13.27 12.88 29 14.15 14.42 14.49 14.33 13.92 30 15.30 15.62 15.73 15.57 15.12 31 16.65 17.02 17.15 17.00 16.51 32 18.19 18.63 18.80 18.65 18.13 33 ' 19.96 20.47 20.68 20.54 19.97 34 21.97 22.57 22.83 22.69 22.08 35 24.28 24.97 25.28 25.14 24.45 36 26.88 27.67 28.04 27.87 27.08 37 29.79 30.70 31.11 30.91 29.99 38 33.07 34.09 34.53 34.28 33.23 39 36.69 37.81 38.28 37.98 36.78 40 40.70 41.92 42.41 42.06 40.70 41 45.09 46.43 46.96 46.55 45.01 42 49.89 51.37 51.95 51.46 49.74 43 55.15 56.78 57.40 56.85 54.92 44 60.89 62.67 63.34 62.73 60.60 45 67.11 69.07 69.82 69.14 66.79 46 73.88 76.05 76.88 76.14 73.56 47 81.23 83.63 84.56 83.77 80.95 48 89.19 91.86 92.92 92.08 89.01 49 97.83 100.79 102.00 101.13 97.81 50 107.18 110.47 111.85 110.96 107.40 51 117.27 120.93 122.51 121.63 117.81 52 128.11 132.19 134.02 133.14 129.06 53 139.70 144.24 146.32 145.46 141.11 54 151.99 157.01 159.36 158.54 153.90 55. 164.91 170.44 173.09 172.28 167.32 56 178.42 184.47 187.41 186.62 181.32 57 192.47 199.05 202.30 201.51 195.87 58 207.05 214.20 217.76 217.00 211.08 59 222.19 229.92 233.84 233.22 227.16 60 237.86 246.25 250.66 250.36 244.39 146 "^exp!^ mean reserves ^16% 20 Year Term (LEVEL PREMIUM RESERVES) YEARS Age l6 17 l8 19 30 20 7.69 7.20 6.54 5.70 4.63 ?1 8.06 7.53 6.81 5.89 4.73 22 8.47 7.89 7.11 6.10 4.83 23 8.93 - 8.30 7.44 6.34 4.95 24 9.43 8.74 7.81 6.60 5.08 25 10.01 9.25 8.23 6.90 5.23 26 10.64 9.81 8.70 7.25 5.39 27 11.37 10.48 9.25 7.64 5.58 28 12.22 11.23 9.88 8.09 5.79 29 13.19 12.10 10.60 8.60 6.04 30 1432 13.13 11.46 9.22 6.33 31 15.64 14.31 12.44 9.92 6.65 32 17.17 15.69 13.59 10.74 7.02 33 18.91 17.25 14.86 11.63 . 7.43 34 20.88 18.99 16.29 12.63 7.89 35 23.08 20.93 17.87 13.75 8.40 36 25.53 23.09 19.63 15.00 8.97 37 28.23 25.49 21.59 16.37 9.60 38 31.23 28.14 23.76 17.90 10.31 39 34.53 31.06 26.15 19.58 11.08 40 38.17 34.27 28.77 21.43 11.94 41 42.17 37.81 31.68 23.49 12.89 42 46.57 41.71 34.89 25.77 13.95 43 51.40 46.01 38.42 28.27 15.11 44 56.69 50.71 42.30 31.02 16.40 45 62.48 55.86 46.54 34.04 17.81 46 68.81 61.51 51.22 37.40 19.39 47 75.73 67.70 56.36 41.08 21.11 48 83.32 74.51 62.02 45.14 23.02 49 91.60 81.97 68.23 49.61 25.12 50 100.65 90.10 75.02 54.50 27.42 51 110.49 98.98 82.45 59.87 29.95 52 121.14 108.6] 90.52 65.70 32.69 53 132.55 118.92 99.15 71.92 35.62 54 144.65 129.84 108.27 78.49 38.73 55 157.34 141.28 117.83 85.43 42.04 56 170.57 153.22 127.90 92.80 45.59 57 184.37 165.79 138.59 100.73 49.43 58 198.92 179.21 150.18 109.43 53.65 59 214.53 193.82 162.98 119.18 58.37 60 231.48 209.92 177.29 130.15 63.64 147 Ixp!^ mean reserves ^16% For V^aluing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) Age YEARS 20 $3.77 $11.21 $18.38 $25.30 $31.98 21 3.80 11.28 18.50 25.46 32.18 22 3.82 11.35 18.62 25.63 32.40 23 3.85 11.43 18.74 25.81 32.64 24 3.87 11.50 18.88 26.00 32.88 25 3.90 11.59 19.02 26.20 33.15 26 3.93 11.68 19.18 26.42 33.44 27 3.96 11.78 19.34 26.67 33.75 28 4.00 11.89 19.53 26.92 34.08 29 4.03 12.00 19.72 27.19 34.44 30 4.07 12.12 19.92 27.49 34.83 31 4.11 12.25 20.15 27.82 35.25 32 4.16 12.41 20.41 28.17 35.72 33- 4.21 12.57 20.67 28.55 36.22 34 4.27 12.73 20.96 28.97 36.78 35 4.32 12.92 21.28 29.43 37.39 36 4.39 13.12 21.64 29.95 38.07 37 4.46 13.36 22.04 30.52 38.81 38 4.55 13.61 22.47 31.14 39.62 39 4.63 13.89 22.94 31.81 40.51 40 4.73 14.19 23.46 32.56 41.51 41 4.84 14.58 24.03 33.39 42.61 42 4.95 14.89 24:68 34.32 43.86 43 5.08 15.31 25.40 35.37 45.27 44 • 5.23 15.79 26.22 36.57 46.86 45 5.39 16.32 27.14 37.92 48.69 46 5.59 16.92 28.20 39.48 50.78 47 5.80 17.61 29.42 41.26 53.16 48 6.04 18.42 30.82 43.30 55.86 49 6.33 19.34 • 32.42 45.59 58.90 50 6.66 20.38 34.20 48.16 62.29 51 7.03 21.54 36.20 51.03 66.06 52 7.44 22.83 • 38.42 54.21 70.25 53 7.89 24.28 40.89 57.76 74.90 54 8.40 25.89 43.65 61.69 80.03 55 8.97 27.69 46.70 66.04 85.70 56 9.61 29.67 50.08 70.83 91.95 57 10.31 31.87 53.80 76.12 98.82 58 11.08 34.30 57.92 81.95 106.39 59 11.94 36.99 62.47 88.38 114.68 60 12.90 39.97 67.49 95.43 123.76 148 AMER. exp!^ mean reserves ^}6% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) Age YEARS 61 $13.95 $43.25 $73.00 $103.16 $133.71 62 15.12 46.86 79.05 111.65 144.58 63 16.40 50.84 85.72 120.95 156.44 64 17.81 55.24 93.04 131.13 169.36 65 19.39 60.08 101.08 142.24 183.40 66 21.12 65.41 109.88 154.34 198.59 67 23.02 71.26 119.48 167.48 214.98 68 25.12 77.66 129.95 181.68 232.46 69 27.42 84.66 141.29 196.87 250.96 70 29.95 92.27 153.43 212.95 270.38 71 32.69 100.40 166.28 229.84 290.64 72 35.62 109.01 179.82 247.55 311.79 73 38.73 118.14 194.10 266.15 333.99 54 42.04 127.85 209.25 285.88 357.49 75 45.59 138.27 225.52 307.05 382.55 149 'e^I^ mean reserves y^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 6 7 8 9 lO 20 $38.42 $44.64 $50.65 $56.45 $62.08 21 38.67 44.95 51.01 56.87 62.54 22' 38.95 45.27 51.38 57.30 63.03 23 39.23 45.61 51.79 57.76 63.55 24 39.54 45.98 52.22 58.25 64.11 25 39.87 46.38 52.67 58.79 64.72 26 40.23 46.80 53.18 59.37 65.37 27 40.61 47.27 53.72 59.99 66.08 28 41.03 47.76 54.30 60.66 66.85 29 41.47 48.30 54.94 61.40 67.69 30 41.95 48.88 55.62 62.20 68.61 31 42.48 49.52 56.38 63.07 69.62 32 43.06 50.23 57.21 64.04 70.72 33 - 43.70 50.99 58.12 65.09 71.92 34 44.39 51.84 59.11 66.25 73.24 35 45.16 52.76 60.21 67.51 74.71 36 46.01 53.79 61.41 68.93 76.33 37 46.94 54.90 62.75 70.48 78.13 38 47.95 56.15 64.23 72.21 80.14 39 49.08 57.52 65.87 74.15 82.38 40 50.33 59.05 67.70 76.31 84.92 41 51.73 60.77 69.77 78.77 87.78 42 53.31 62.72 72.13 81.55 91.03 43 55.10 64.94 74.80 84.71 94.71 44 57.15 67.46 77.84 88.29 98.85 45 59.48 70.34 81.28 92.32 103.50 46 62.14 73.59 85.16 96.86 108.72 47 65.15 77.26 89.52 101.95 114.56 48 68.55 81.40 94.42 107.63 121.06 49 72.36 86.01 99.87 113.95 128.26 50 76.61 91.15 105.91 120.93 136.21 51 81.33 96.83 112.60 128.64 144.96 52 86.55 103.11 119.96 137.11 154.56 53 92.32 110.04 128.08 146.43 165.08 54 98.69 117.68 137.00 156.64 176.58 55 105.71 126.07 146.77 167.79 189.10 56 113.43 135.28 157.45 179.94 202.72 57 121.91 145.35 169.11 193.18 217.48 58 131.20 156.35 181.82 207.55 233.47 59 141.35 168.36 195.65 223.12 250.72 60 152.46 181.44 210.63 239.95 269.26 150 ^^ MEAN RESERVES VA% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 6 7 8 9 lO 61 $164.57 $195.65 $226.86 $258.06 $289.12 62 177.75 211.05 244.35 277.49 310.28 63 192.07 227.70 263.16 298.24 332.67 64 207.60 245.65 283.29 320.24 356.19 65 224.36 264.88 304.66 343.37 380.71 66 242.37 285.35 327.17 367.51 406.09 67 261.58 306.94 350.69 392.54 432.25 68 281.87 329.54 375.13 418:38 459.10 69 303.14 353.05 400.39 444.97 486.62 70 325.30 377.40 426.46 472.29 514.75 71 348.32 402.62 453.36 500.35 543.57 72 372.28 428.80 481.14 529.30 573.00 73 397.37 456.08 510.09 559.10 602.89 74 423.81 484.82 540.19 589.65 633.02 75 452.02 515.06 571.37 620.75 663.31 151 "exp!^ mean reserves ^16% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) VEARS Age II 13 13 14 15 20 $67.52 $72.78 $77.87 $82.83 $87.62 21 68.03 73.35 78.51 83.51 88.37 22. 68.57 73.96 79.18 84.25 89.18 23 69.16 74.62 79.90 85.04 90.04 24 69.80 75.31 80.67 85.89 90.98 25 70.47 76.07 81.52 86.33 92.01 26 71.20 76.90 82.44 87.84 93.12 27 72.01 77.79 83.43 88.94 94.33 28 72.88 78.76 84.52 90.15 95.66 29 73.83 79.84 85.71 91.46 97.10 30 74.88 81.00 87.01 92.89 98.69 31 76.01 82.28 88.42 94.47 100.44 32 77.26 83.68 89.99 96.22 102.37 33 78.62 85.22 91.72 98.15 104.52 34 ' 80.13 86.91 93.63 100.28 106.90 35 81.79 88:80 95.75 102.66 109.58 36 83.65 90.91 98.12 105.35 112.59 37 85.71 93.25 100.80 108.36 115.96 38 88.02 95.90 103.79 111.74 119.74 39 90.61 98.87 107.17 115.53 123.98 40 93.54 102.22 110.96 119.78 128.71 41 96.85 105.99 115.21 124.55 134.02 42 100.59 110.23 119.99 129.89 139.94 43 104.80 115.00 125.36 135.86 146.54 44 109.52 120.36 131.35 142.52 153.87 45 114.83 126.34 138.02 149.90 162.00 46 120.77 133.00 145.44 158.10 170.98 47 127.38 140.40 153.66 167.15 180.87 48 134.71 148.60 162.74 177.12 191.73 49 142.83 157.64 172.72 188.04 203.60 50 151.76 167.57 183.65 199.97 216.52 51 161.56 178.44 195.58 212.96 230.56 52 172.30 190.31 208.57 227.06 245.73 53 184.02 203.23 222.67 242.32 262.11 54 196.79 217.26 237.95 258.78 279.70 55 210.67 232.47 254.43 276.48 298.52 56 255.71 248.89 272.16 295.42 318.57 57 241.97 266.56 291.14 315.62 339.82 58 259.50 285.52 311.42 337.04 362.18 59 278.31 305.77 332.94 359.60 385.55 60 298.43 327.29 355.62 383.18 409 78 152 ^^^- MEAN RESERVES ^l^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) Age 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 YEARS II 12 13 14 15 $319.84 $350.00 $379.35 $407.66 $434.74 342.46 373.78 403.99 432.89 460.30 366.18 398.51 429.42 458.76 486.38 390.88 424.06 455.53 485.17 512.86 416.43 450.30 482.21 512.02 539.62 442.70 477.16 509.37 539.19 566.63 469.63 504.56 536.90 566.66 593.67 497.15 532.39 564.81 594.23 620.51 525.19 560.68 592.89 621.66 646.89 553.80 539.24 620.90 648.67 672.59 582.81 617.85 648.58 675.07 697.56 612.04 646.27 675.77 700.82 721.70 641.27 674.36 702.46 725.87 . 744.81 670.40 702.14 728.59 749.98 766.47 699.45 729.56 753.91 772.68 786.21 153 "exp!^ mean reserves ^16^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age i6 17 i8 ^9 30 20 92.28 96.80 101.21 105.51 109.70 21 93.10 97.69 102.18 106.55 110.82 22 93.97 98.65 103.21 107.66 112.02 23 94.92 99.68 104.33 108.87 113.33 24 95.95 100.80 105.54 110.19 114.75 25 97.07 102.02 106.87 111.62 116.31 26 98.28 103.35 108.31 113.20 118.01 27 99.61 104.79 109.89 114.92 119.89 28 101.06 106.38 111.63 116.82 121.96 29 102.65 108.13 113.54 118.91 124.25 30 104.40 110.05 115.65 121.23 126.80 31 106.33 112.18 118.00 123.82 129.65 32 108.48 114.55 120.62 126.71 132.83 33 110.86 117.20 123.55 129.94 136.38 34 113.52 120.16 126.83 133.55 140.34 35 116.51 123.48 130.50 137.59 144.77 36 119.86 127.20 134.60 142.10 149.69 37 123.62 131.35 139.18 147.12 155.17 38 127.82 136.00 144.29 152.71 161.26 39 132.52 141.18 149.98 158.92 167.99 40 137.77 146.96 156.30 165.79 175.45 Ir .^1 m 41 143.62 153.39 163.31 173.41 183.68 42 150.15 160.53 171.08 181.82 192.76 43 157.39 168.43 179.67 191.10 202.72 44 165.42 177.18 189.14 201.29 213.64 45 174.30 186.81 199.54 212.45 225.55 46 184.08 197.40 210.92 224.64 238.52 47 194.82 208.98 223.35 237.89 252.58 48 206.57 221.62 236.86 252.26 267.77 49 219.38 235.36 251.50 267.76 284.08 50 233.29 250.22 267.28 284.40 301.53 51 248.33 266.24 284.22 302.20 320.09 52 264.55 283.44 302.34 321.14 339.74 53 281.97 301.85 321.62 341.18 360.38 54 300.62 321.48 342.02 362.24 381.90 55 320.46 342.16 363.47 384.20 404.20 56 341.48 363.96 385.84 406.94 427.13 57 363.58 386.70 409.01 430.34 450.58 58 386.66 410.27 432.85 454.27 474.44 59 410.58 434.52 457.24 478.62 498.61 60 435.21 459.34 482.06 503.29 522.95 154 AMER. EXP. MEAN RESERVES ^l^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) V^EARS Age i6 17 l8 19 20 61 460.43 484.62 507.21 528.14 547.40 62 486.12 510.23 532.57 553.12 571.76 63 512.18 536.08 558.06 578.01 595.84 64 538.49 562.09 583.50 602.63 619.40 65 565.02 588.06 608.66 626.71 642.27 66 591.53 613.77 633.28 650.09 664.36 67 617.80 638.96 657.19 672.67 685.57 68 643.56 663.42 680.29 694.34 705.71 69 668.82 687.09 702.47 714.92 724.50 70 692.91 709.84 723.53 734.08 741.69 71 716.30 731.46 743.14 751.56 757.20 72 738.59 751.60 760.98 767.26 771.15 73 759.40 769.92 776.97 781.32 783.66 74 778.35 786.31 791.23 793.88 794.96 75 795.28 800.88 803.89 805.12 805.49 155 AMER. EXP. MEAN RESERVES ^l^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS ' Age 21 32 33 24 as 20 113.80 117.80 121.72 125.57 129.36 21. 115.00 119.09 123.10 127.05 130.95 22 116.29 120.48 124.60 128.67 132.69 23 117.70 122.00 126.24 130.43 134.59 24 119.24 123.66 128.04 132.38 136.69 25 120.92 125.49 130.01 134.51 139.02 26 122.77 127.50 132.20 136.89 141.60 27 124.82 129.72 134.62 139.53 144.48 28 127.08 132.19 137.32 142.48 147.67 29 129.59 134.94 140.32 145.74 151.22 30 132.39 138.00 143.66 149.39 155.17 31 135.51 141.42 147.39 153.42 159.55 32 139.00 145.23 151.53 157.92 164.40 33 ' 142.89 149.47 156.14 162.91 169.79 34 147.22 154.18 161.25 168.44 175.74 35 152.04 159.42 166.93 174.55 182.31 36 157.40 165.24 173.21 181.31 189.56 37 163.36 171.68 180.15 188.76 197.53 38 169.95 178.80 187.80 196.95 206.26 39 177.24 186.65 196.21 205.94 215.82 40 185.28 195.28 205.45 215.77 226.23 41 194.14 204.76 215.55 226.49 237.57 42 203.87 215.15 226.59 238.17 249.87 43 214.52 226.49 238.60 250.84 263.17 44 226.15 238.83 251.63 264.53 277.48 45 238.81 252.22 265.71 279.26 292.81 46 252.55 266.68 280.86 295.05 309.17 47 267.38 282.24 297.10 311.89 326.51 48 283.33 298.90 314.40 329.73 344.77 49 300.41 316.65 332.72 348.49 363.85 50 318.57 335.43 351.98 368.09 383.62 51 337.80 355.17 372.08 388.39 403.99 52 357.99 375.76 392.90 409.29 424.84 53 379.06 397.09 414.33 430.68 446.08 54 400.88 419.03 436.25 452.46 467.61 55 423.33 441.48 458.56 474.53 489.31 56 446.28 464.31 481.16 496.76 511.12 57 469.64 487.44 503.93 519.10 532.87 58 493.29 510.74 526.79 541.37 554.39 59 517.11 534.13 549.58 563.39 575.49 60 541.03 557.45 572.11 584.97 596.05 15G AMER. EXP. MEAN RESERVES 3^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age ax 22 33 34 35 61 564.87 580.48 594.17 605.96 615.99 62 588.42 603.03 615.61 626.31 635.21 63 611.47 624.93 636.37 645.90 653.81 64 633.85 646.12 656.35 664.62 670.99 65 655.48 666.49 675.39 682.26 687.20 66 676.25 685.87 693.29 698.63 702.21 67 696.00 704.04 709.84 7U.72, 716.12 68 714.47 720.78 725.02 727.62 729.03 69 731.42 736.05 738.91 740.45 741.07 70 746.79 749.94 751.63 752.32 752.53 71 760.69 762.56 762,22, 763.56 763.59 72 773.23 774.09 77A2A 774.38 73 784.62 784.91 784.95 74 795.28 795.33 75 805.55 157 ^^- MEAN RESERVES 3^^ For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 26 27 28 39 30 20 133.10 136.79 140.46 144.10 147.74 21 134.81 138.63 142.43 146.23 150.04 22 136.67 140.64 144.60 148.58 152.57 23 138.73 142.86 147.01 151.13 155.38 24 141.00 145.33 149.68 154.06 158.48 25 143.53 148.07 152.64 157.26 161.93 26 146.34 151.11 155.93 160.80 165.75 27 149.46 154.48 159.57 164.73 169.96 28 152.92 158.23 163.61 169.07 174.62 29 156.76 162.38 168.08 173.88 179.77 30 161.03 166.98 173.03 179.17 185.43 31 165.76 172.07 178.49 185.02 191.67 32 171.00 177.70 184.52 191.45 198.51 33 176.78 183.91 191.14 198.51 206.00 34 183.17 190.73 198.43 206.25 214.19 35 190.21 198.24 206.41 214.70 223.11 36 197.95 206.48 215.14 223.92 232.81 37 206.44 215.48 224.66 233.94 243.33 38 215.72 225.30 235.00 244.80 254.68 39 225.83 235.97 246.21 256.53 266.89 40 236.83 247.54 258.32 269.15 279.98 41 248.76 260.04 271.35 282.67 293.94 42 261.65 273.49 285.33 297.11 308.76 43 275.54 287.92 300.24 312.42 324.39 44 290.43 303.31 316.06 328.57 340.76 45 306.30 319.64 332.74 345.48 357.78 46 323.14 336.85 350.19 363.06 375.37 47 340.87 354.84 368.33 381.22 393.45 48 359.41 373.54 387.05 399.87 411.93 49 378.66 392.82 406.26 418.91 430.73 50 398.48 412.58 425.85 438.25 449.74 51 418.79 432.73 445.75 457.81 468.90 52 439.48 453.17 465.83 477.49 488.07 53 460.47 473.79 486.05 497.18 507.12 54 '481.64 494.54 506.26 516.72 525.89 55 502.91 515.26 526.29 535.96 544.29 56 524.15 535.79 545.99 554.78 562.25 57 545.17 555.95 565.24 573.13 579.71 58 554.38 575.64 583.99 590.95 596.58 59 585.92 594.73 602.16 608.13 612.73 60 605.46 613.30 619.64 624.53 628.05 -158 AMER. eS^^' mean reserves 3^^ For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 26 27 28 29 30 61 624.33 681.08 636.29 640.04 642.55 62 642.42 647.97 651.97 654.65 656.31 63 659.55 663.83 666.70 668.48 669.43 64 675.59 678.67 680.57 681.59 682.01 65 690.52 692.56 693.66 694.12 694.25 66 704.42 705.61 706.10 706.25 706.27 67 717.41 717.94 718.10 718.12 68 729.61 729.79 729.81 69 741.26 741.30 70 752.56 159 ^^ MEAN RESERVES 3^/t% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 31 33 33 34 35 20 $151.39 $155.07 $158.76 $162.50 $166.28 21 153.87 157.72 161.62 165.57 169.56 22 156.60 160.66 164.78 168.95 173.18 23 159.62 163.91 168.26 172.68 177.17 24 162.97 167.50 172.11 176.80 181.55 25 166.67 171.48 176.36 181.33 186.38 26 170.76 175.86 181.04 186.32 191.68 27 175.28 180.69 186.20 191.80 197.49 28 180.27 186.01 191.86 197.80 203.85 29 185.76 191.86 198.06 204.37 210.77 30 191.80 198.27 204.86 211.54 218.32 31 198.42 205.30 212.27 219.35 226.51 32 205.68 212.97 220.35 227.83 235.38 33 213.61 221.32 229.12 237.01 244.96 34 222.24 230.39 238.63 246.93 255.26 35 231.63 240.23 248.89 257.59 266.29 36' 241.80 250.85 259.93 269.01 278.06 37 252.78 262.27 271.76 281.20 290.55 38 264.60 274.51 284.37 294.14 303.72 39 277.25 287.56 297.76 307.77 317..52 40 290.76 301.41 311.88 322.06 331.88 41 305.08 316.02 326.66 336.93 346.76 42 320.20 331.32 342.06 352.33 362.07 43 336.03 347.26 358.00 368.19 377.78 44 352.50 363.74 374.40 384.43 393.80 45 369.53 380.69 391,19 401.00 410.09 46 387.05 398.04 408.32 417.83 426.59 47 , 404.97 415.73 425.69 434.86 443.18 48 423.21 433.65 443.26 451.97 459.77 49 441.68 451.75 460.89 469.06 476.22 50 460.31 469.90 478.46 485.97 492.45 51 478.97 487.96 495.84 502.64 508.41 52 497.52 505.80 512.95 519.01 524.06 53 515.83 523.34 529.72 535.03 . 539.33 54 533.80 540.52 546.10 550.63 554.12 55 551.37 557.26 562.03 565.71 568.35 56 568.47 573.51 577.38 580.18 582.06 57 585.03 589.13 592.08 594.07 595.29 58 600.92 604.05 606.14 607.44 608.13 59 616.05 618.26 619.64 620.38 620.68 60 630.41 631.87 632.65 632.97 633.07 61 644.10 644.93 645.27 645.38 645.40 62 657.20 657.57 657.67 657.69 63 669.82 669.93 669.95 64 682.14 682.16 65 694.27 1 160 A^l^ MEAN RESERVES 3^^ For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) VEARS Age 36 37 38 39 40 20 $170.11 $174.00 $177.95 $181.97 $186.06 21 173.62 177.74 181.94 186.20 190.54 22 177.48 181.86 186.31 190.83 195.44 23 181.73 186.38 191.10 195.91 200.79 24 186.40 191.32 196.34 201.44 206.61 25 191.52 196.76 202.08 207.47 212.95 26 197.14 202.69 208.33 214.04 219.83 27 203.28 209.16 215.12 221.16 227.26 28 209.98 216.20 222.50 228.87 235.28 29 217.27 223.84 230.49 237.18 243.89 30 225.18 232.12 239.10 246.11 253.13 31 233.75 241.04 248.36 255.68 262.96 32 243.00 250.64 258.28 265.88 273.41 33 252.94 260.92 268.85 276.71 284.42 34 263.59 271.87 280.07 288.13 295.96 35 274.94 283.51 291.92 300.10 307.99 36 287.00 295.78 304.33 312.57 320.45 37 299.72 308.64 317.25 325.49 333.30 38 313.04 322.04 330.64 338.80 346.49 39 326.92 335.90 344.43 352.47 359.96 40 341.28 350.19 358.58 366.42 373.68 41 356.07 364.84 373.04 380.63 387.62 42 371.25 379.82 387.75 395.06 401.68 43 386.74 395.04 402.68 409.61 415.80 44 402.49 410.48 417.73 424.21 429.89 45 418.45 426.04 432.82 438.76 443.89 46 434.53 441.62 447.85 453.21 457.76 47 450.61 457.13 462.74 467.51 471.49 48 466.59 472.48 477.47 481.64 485.01 49 482.39 487.62 491.99 495.52 498.24 50 497.94 502.52 506.23 509.08 511.14 51 513.22 517.11 520.11 522.27 523.72 52 528.15 531.30 533.57 535.09 536.03 53 542.64 545.03 546.63 547.62 548.15 54 556.63 558.32 559.36 559.92 560.15 55 570.13 571.23 571.82 572.06 572.13 56 583.21 583.83 584.09 584.16 584.18 57 595.94 596.22 596.29 596.31 58 608.42 608.50 608.52 59 620.77 620.79 60 633.09 161 ^xp!^ mean reserves ^16% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) VEARS Age 41 42 43 44 45 20 $190.22 $194.46 $198.76 $203.13 $207.56 21 194.96 199.45 204.01 208.63 213.31 22 200.13 204.88 209.70 214.58 219.52 23 205.75 210.78 215.87 221.02 226.20 24 211.86 217.18 222.54 227.95 233.38 25 218.50 224.10 229.74 235.40 241.07 26 225.67 231.56 237.47 243.38 249.26 27 233.40 239.57 245.74 251.38 257.95 28 241.71 248.15 254.56 260.89 267.12 29 250.62 257.30 263.91 270.41 276.72 30 260.10 267.00 273.78 280.37 286.74 31 270.17 277.24 284.12 290.76 297.11 32 280.79 287.97 294.90 301.54 307.83 33 • 291.92 299.16 306.08 312.65 318.83 34 - 303.52 310.75 317.60 324.06 330.09 35 315.54 322.70 329,44 335.74 341.57 36 327.93 334.97 341.55 347.64 353.25 37 340.65 347.53 353.89 359.75 365.06 38 • 353.66 360.32 366.43 371.98 376.94 39 366.91 373.31 379.11 384.29 388.84 40 380.37 386.43 391.84 396.60 400.69 41 393.96 399.61 404.58 408.86 412.49 42 407.60 412.79 417.27 421.07 424.23 43 421.23 425.91 429.88 433.20 435.87 44 434.79 438.94 442.41 445.21 447.37 45 448.24 451.86 454.80 457.05 458.63 46 461.36 464.63 466.99 468.70 469.84 47 474.71 477.18 478.97 480.16 480.90 48 487.60 489.48 490.73 491.50 491.92 49 500.21 501.52 502.33 502.77 502.95 50 512.52 513.37 513.83 514.02 514.07 51 524.61 525.09 525.29 525.35 525.36 52 536.54 536.74 536.81 536.82 53 548.37 548.44 548.45 54 560.22 560.23 55 572.14 1(52 ^^ MEAN RESERVES ^l^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 46 47 48 49 50 20 $212.04 $216.58 $221.14 $225.73 $230.31 21 218.04 222.80 227.58 232.36 237.12 22 224.48 229.47 234.46 239.42 244.33 23 231.40 236.60 241.79 246.91 251.94 24 238.81 244.21 249.56 254.81 259.91 25 246.71 252.28 257.76 263.08 268.22 26 255.08 260.79 266.35 271.71 276.84 27 263.91 269.71 275.31 280.66 285.74 28 273.17 279.01 284.60 289.89 294.88 29 282.82 288.65 294.18 299.39 304.25 30 292.82 298.59 304.03 309.11 313.81 31 303.14 308.81 314.12 319.02 323.54 32 313.75 319.28 324.41 329.12 333.40 33 324.60 329.96 334.88 339.35 343.34 34 335.68 340.82 345.48 349.65 353.30 35 346.94 351.81 356.16 359.98 363.27 36 358.34 362.88 366.87 370.30 373.22 37 369.80 373.97 377.56 380.60 383.14 38 381.30 385.04 388.22 390.88 393.02 39 392.75 396.08 398.85 401.09 402.82 40 404.16 407.06 409.40 411.20 412.51 41 415.52 417.97 419.85 421.21 422.13 42 426.79 428.76 430.19 431.14 431.73 43 437.94 439.43 440.42 441.03 441.37 44 448.92 449.97 450.61 450.95 451.10 45 459.77 460.45 460.81 460.96 461.00 46 470.55 470.93 471.08 471.13 471.14 47 481.30 481.46 481.50 481.52 48 492.09 492.14 492.15 49 502.99 503.01 50 514.08 163 "exp!^ mean reserves 3^^ For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 51 53 53 54 55 20 $234.87 $239.38 $243.81 $248.12 $252.28 21 241.83 246.45 250.94 255.28 259.43 22. 249.15 253.84 258.37 262.69 266.80 23 256.83 261.55 266.07 270.35 274.38 24 264.84 269.55 274.02 • 278.22 282.16 25 273.14 277.80 282.19 286.30 290.10 26 281.71 286.29 290.57 294.54 298.18 27 290.52 294.99 299.12 302.93 306.38 28 299.55 303.86 307.83 311.44 314.66 29 308.76 312.90 316.67 320.02 322.97 30 318.13 322.06 325.57 328.65 331.29 31 327.64 331.30 334.51 337.28 339.63 32 337.22 340.57 343.46 345.92 347.96 33 346.83 349.85 352.41 354.55 356.27 34 ' 356.45 359.12 361.35 363.15 364.54 35 366.06 368.38 370.27 371.72 372.76 36 375.64 377.61 379.13 380.22 380.95 ^7 385.20 386.78 387.92 388.68 389.15 38 • 394.67 395.87 396.66 397.16 397.42 39 404.06 404.89 405.41 405.69 405.80 40 413.38 413.92 414.21 414.33 414.36 41 422.69 422.99 423.12 423.16 423.16 42 432.05 432.18 432.22 432.22 43 441.50 441.54 441.55 44 451.14 451.15 45 461.01 164 ^Exl!* MEAN RESERVES ^6% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 56 57 58 59 60 20 $256.26 $260.03 $263.58 $266.90 $269.97 21 263.36 267.07 270.53 273.74 276.69 22 270.67 274.28 277.63 280.70 283.49 23 278.15 281.64 284.85 287.77 290.37 24 285.80 289.15 292.19 294.91 297.29 25 293.59 296.76 299.60 302.08 304.22 26 301.49 304.45 307.04 309.27 311.17 27 309.47 312.17 314.50 316.48 318.13 28 317.48 319.91 321.98 323.70 32.S.09 29 325.51 327.66 329.46 330.91 332.04 30 333.54 335.42 336.94 338.11 338.95 31 341.56 343.16 344.39 345.27 345.86 32 349.61 350.89 351.81 352.42 352.80 33 357.60 358.56 359.20 359.60 359.81 34 365.54 366.21 366.63 366.85 366.94 35 373.46 373.90 374.13 374.22 374 25 36 381.40 381.64 381.74 381.77 381.78 37 389.41 389.51 389.54 389.55 38 397.53 397.56 397.57 39 405.83 405.84 40 414.37 165 "exp!^ mean reserves ^l^% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 6i 62 63 64 65 20 $272.80 $275.36 $277.66 $279.67 $281.41 21 " 279.36 281.75 283.86 285.66 287.20 22 . 285.99 288.18 290.06 291.67 292.99 23 292.66 294.62 296.06 297.68 298.81 24 299.34 301.08 302.53 303.71 304.61 25 306.04 307.56 308.78 309.72 310.41 26 312.75 314.03 315.02 , 315.73 316.20 27 319.47 320.50 321.24 321.73 322.04 28 326.17 326.94 327.46 327.78 327.95 29 332.84 333.39 333.72 333.90 333.97 30 339.52 339.87 340.05 340.13 340.15 31 346.22 346.41 346.50 346.52 346.52 32 353.00 353.09 353.11 353.12 33 359.90 359.93 359.93 34 - 366.97 366.97 35 374.25 166 ^^ MEAN RESERVES VA% For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 66 67 68 69 70 20 $282.87 $284.10 $285.09 $285.86 . $286.41 21 288.47 289.51 290.30 290.88 291.26 22 294.08 294.91 295.51 295.91 296.16 23 299.68 300.30 300.72 300.98 301.12 24 305.27 305.70 305.97 306.12 306.18 25 310.86 311.14 311.30 311.36 311.38 26 315.50 316.66 316.72 316.74 316.74 27 322.21 322.28 322.30 322.30 28 328.02 328.05 328.05 29 333.99 333.99 30 340.15 167 ^^ MEAN RESERVES ^J For Valuing Paid Up Extended Insurance (MEAN SINGLE PREMIUMS TEMPORARY INSURANCE) YEARS Age 71 72 73 74 75 76 20 $286.78 $287.00 $287.13 $287.18 $287.19 $287.20 21 291.50 291.63 291.68 291.70 291.70 22 296.29 296.35 296.36 296.37 23 301.18 301.19 301.20 24 306.19 306.20 25 311.38 168 Ixp!^ net annual premiums 3^% PURE ENDOWMENT Age lo Yrs. 15 Yrs. -ZO' Yrs. 20 78.537 46.528 30.813 21 78.506 46.492 30.769 22 78.473 46.453 30.721 23 78.438 46.411 30.668 24 78.399 46.365 30.611 25 78.357 46.314 30.547 26 78.312 46.259 30.477 27 78.263 46.199 30.399 28 78.210 46.132 30.313 29 78.151 46.060 30.216 30 78.086 45.979 30.107 31 78.015 45.891 29.984 32 77.937 45.791 29.845 33 77.852 45.680 29.689 34 77.759 45.556 29.514 35 77.655 45.415 • 29.318 36 77.539 45.256 29.099 37 77.410 45.075 28.854 38 77.264 44.872 28.582 39 77.100 44.643 28.280 40 76.912 44.386 27.947 41 76.700 44.098 27.578 42 76.457 43.777 27.172 43 76.184 43.419 26.727 44 75.875 43.023 26.240 45 75.529 42.584 25.707 46 75.142 42.099 25.128 47 74.710 41.565 24.498 48 74.229 40.979 23.817 49 ,73.697 40.337 23.081 50 73.110 39.635 22.291 51 72.460 38.869 21.446 52 71.745 38.035 20.546 53 70.958 37.129 19.597 54 70.095 36.148 18.602 55 69.150 35.090 17.569 56 68.114 33.951 16.503 57 66.982 32.733 15.408 58 65.748 31.440 14.289 59 64.404 30.077 13.148 60 62.945 28.653 11.990 61 61.365 27.172 10.814 62 59.664 25.640 9.630 63 57.846 24.057 8.452 64 55.919 22.423 7.297 65 53^90 20.740 6.175 169 TERMINAL RESERVES 3^^ AMER. EXP. PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age I 3 3 4 5 20 1.0431 2.1314 3,2668 4.4516 5.6880 21 1.0432 2.1316 3.2672 4.4522 5.6889 22 1.0432 2.1317 3.2675 4.4528 5.6899 23 1.0433 2.1319 3.2679 4.4535 5.6910 24 1.0434 2.1321 3.2683 4.4542 5.6921 25 1.0434 2.1323 3.2687 4.4549 5.6933 26 1.0435 2.1325 3.2691 4.455;^ 5.6947 27 1.0436 2.1327 3.2696 4.4566 5.6961 28 1.0436 2.1330 3.2702 3.4576 5.6976 29 1.0437 2.1332 3.2707 4.4586 5.6993 30 1.0438 2.1335 3.2713 4.4597 5.7011 31 1.0439 2.1338 3.2720 4.4609 5.7031 32 1.0440 2.1341 3.2727 4.4622 5.7052 33 1.0441 2.1345 3.2735 4.4636 5.7076 34 - 1.0442 2.1349 3.2743 4.4652 5.7102 35 1.0443 2.1353 3.2753 4.4669 5.7131 36 1.0445 2.1358 3.2764 4.4689 5.7163 37 1.0446 2.1363 3.2775 4.4710 5.7197 38 . 1.0448 2.1369 3.2788 4.4733 5.7236 39 1.0450 2.1375 3.2802 4.4759 5.7277 40 1.0452 2.1382 3.2817 4.4787 5.7325 41 1.0455 2.1390 3.2834 4.4818 5.7378 42 1.0457 2.1398 3.2853 4.4854 5.7437 43 1.0460 2.1408 3.2874 4.4894 5.7505 44 1.0463 2.1419 3.2899 4.4939 5.7582 45 1.0467 2.1431 3.2926 4.4991 5.7672 46 1.0471 2.1445 3.2958 4.5052 5.7774 47 1.0476 2.1461 3.2994 4.5121 5.7892 48 1.0481 2.1480 3.3036 4.5200 5.8025 49 1.0488 2.1501 3.3084 4.5290 5.8175 50 1.0495 2.1525 3.3138 4.5390 5.8343 51 1.0503 2.1552 3.3199 4.5502 5.8532 52 1.0512 2.1582 3.3266 4.5628 5.8743 53 1.0522 2.1616 3.3342 4.5769 5.8979 54 1.0533 2.1654 3.3427 4.5926 5.9243 55 1.0546 2.1696 3.3521 4.6102 5.9537 56 1.0560 2.1744 3.3626 4.6297 5.9866 57 1.0576 2.1796 3.3743 4.6515 6.0233 58 1.0593 2.1854 3.3873 4.6759 6.0643 59 1.0612 2.1919 3.4018 4.7031 6.1101 60 1.0634 2.1991 3.4180 4.7333 61.612 170 AMER. EXP. TERMINAL RESERVES 3 V-2% PURE ENDOWMENT Per$i of Pure Endowment Net Annual Premium YEARS Age z 3 3 4 5 61 62 63 64 65 1.0658 1.0684 1.0714 1.0746 1.0783 2.2072 2.2161 2.2259 2.2370 2.2493 3.4360 3.4560 3.4784 3.5034 3.5313 4.7671 4.8048 4.8470 4.8942 4.9472 6.2185 6.2826 6.3544 6.4352 6.5257 66 67 68 69 70 1.0823 1.0868 1.0918 1.0973 1.1034 2.2630 2.2783 2.2953 2.3141 2.3350 3.5625 3.5972 3.6360 3.6791 3.7265 5.0063 5.0726 5.1465 5.2284 5.3183 6.6274 6.7413 6.8681 7.0083 7.1629 171 ^^' TERMINAL RESERVES ^l^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium VEARS Age 6 7 8 9 lO 20 6.9783 8.3252 9.7314 11.1996 12.7328 21 6.9797 8.3273 9.7342 11.2034 12.7379 22 6.9813 8.3295 9.7372 11.2075 12.7432 23 6.9829 8.3318 9.7405 11.2118 12.7490 24 6.9846 8.3343 9.7439 11.2165 12.7553 25 6.9865 8.3370 9.7476 11.2217 12.7621 26 6.9885 8.3398 9.7518 11.2272 12.7694 27 6.9906 8.3430 9.7562 11.2332 12.7774 28 6.9930 8.3464 9.7609 11.2397 12.7861 29 6.9956 8.3501 9.7661 11.2468 12.7958 30 6.9983 8.3541 9.7718 11.2547 12.8064 31 7.0013 8.3585 9.7781 11.2633 12.8181 32 7.0046 8.3634 9.7850 11.2729 12.8308 33 7.0083 8.3688 9.7926 11.2833 12.8448 34 - 7.0123 8.3747 9.8009 11.2947 12.8603 35 7.0167 8.3812 9.8101 11.3074 12.8776 36 7.0216 8.3883 9.8202 11.3215 12.8968 37 7.0270 8.3962 9.8315 11.3372 12.9183 38 7.0328 8.4050 9.8441 11.3549 12.9427 39 7.0394 8.4148 9.8583 11.3748 12.9702 40 7.0468 8.4258 9.8743 11.3974 13.0018 41 7.0551 8.4383 9.8924 11.4234 13.0378 42 7.0646 8.4525 9.9133 11.4531 13.0792 43 7.0753 8.4689 9.9372 11.4871 13.1262 44 7.0877 8.4877 9.9647 11.5259 13.1795 45 7.1019 8.5092 9.9959 11.5697 13.2399 46 7.1182 8.5337 10.0312 11.6194 13.3082 47 7.1367 8.5613 10.0711 11.6754 13.3852 48 7.1575 8.5925 10.1161 11.7386 13.4718 49 7.1810 8.6276 10.1667 11.8095 13.5690 50 7.2073 8.6669 10.2234 11.8889 13.6782 51 7.2369 8.7111 10.2869 11.9780 13.8007 52 7.2700 8.7604 10.3581 12.0780 13.9382 53 7.3069 8.8156 10.4378 12.1901 14.0928 54 7.3483 8.8774 10.5271 12.3160 14.2663 55 7.3945 8.9466 10.6273 12.4571 14.4613 56 7.4461 9.0241 10.7395 12.6156 14.6812 57' 7.5039 9.1108 10.8653 12.7940 14.9293 58 7.5685 9.2079 11.0069 12.9951 15.2096 59 7.6407 9.3170 11.1661 13.2219 15.5271 60 7.7217 9.4395 11.3455 13.4785 15.8870 172 AMER. EXP. TERMINAL RESERVES ^}^% PURE ENDOWMENT Per $x of Pure Endowment Net Annual Premium YEARS • Age 6 7 8 9 10 61 7.8126 9.5773 11.5480 13.7688 16.2959 62 7.9146 9.7327 11.7768 14.0980 16.7605 63 8.0294 9.9078 12.0357 14.4712 17.2873 64 8.1585 10.1055 12.3284 14.8930 17.8831 65 8.3039 10.3284 12.6583 15.3685 18.5563 66 8.4673 10.5787 13.0285 15.9036 19.3183 67 8.6500 10.8584 13.4434 16.5067 20.1845 68 8.8532 11.1702 13.9088 17.1893 21.1779 69 9.0786 11.5184 14.4332 17.9691 22.3312 70 9.3290 11.9089 15.0299 18.8711 23.6870 173 TERMINAL RESERVES 3^^ AMER. EXP. PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age II 13 13 14 15 20 14.3343 16.0072 17.7552 19.5824 21.4926 21 14.3407 16.0155 17.7659 19.5958 21.5091 22 14.3477 16.0246 17.7774 19.6101 21.5270 23 14.3553 16.0344 17.7897 19.6257 21.5466 24 14.3636 16.0448 17.8032 19.6427 21.5681 25 14.3724 16.0563 17.8178 19.6614 21.5916 26 14.3820 16.0688 17.8340 19.6819 21.6175 27 14.3926 16.0826 17.8516 19.7045 21.6457 28 14.4042 16.0977 17.8711 19.7290 21.6768 29 14.4169 16.1143 17.8923 19.7561 21.7109 30 14.4309 16.1324 17.9157 19.7859 21.7489 31 14.4462 16.1524 17.9415 19.8190 21.7911 32 14.4631 16.1744 17.9701 19.8558 21.8382 33. 14.4817 16.1990 18.0020 19.8970 21.8912 34 14.5025 16.2262 18.0376 19.9433 21.9509 35 14.5255 16.2568 18.0778 19.9956 22.0191 36 14.5514 16.2912 18.1231 20.0553 22.0966 37 14.5805 16.3300 18.1749 20.1232 22.1852 38 14.6134 16.3746 18.2338 20.2008 22.2859 39 14.6512 16.4252 18.3013 20.2891 22.4001 40 14.6942 16.4833 18.3781 20.3893 22.5298 41 14.7436 16.5493 18.4651 20.5030 22.6768 42 14.7997 16.6242 18.5640 20.6319 22.8432 43 14.8634 16.7092 18.6759 20.7777 23.0313 44 14.9356 16.8054 18.8025 20.9424 23.2435 45 15.0172 16.9142 18.9454 21.1280 23.4830 46 15.1094 17.0368 19.1363 21.3375 23.7533 47 15.2133 17.1747 19.2876 21.5735 24.0584 48 15.3299 17.3299 19.4917 21.8397 24.4027 49 15.4611 17.5045 19.7217 22.1398 24.7912 50 15.6085 17.7010 19.9808 22.4781 25.2302 51 15.7742 17.9222 20.2726 22.8600 25.7275 52 15.9605 18.1709 20.6016 23.2923 26.2916 53 16.1699 18.4512 20.9736 23.7821 26.9328 54 16.4055 18.7679 21.3948 24.3383 27.6637 55 16.6715 19.1259 21.8725 24.9716 28.4983 56 16.9719 19.5315 22.4157 25.6938 29.4540 57 17.3117 19.9922 23.0345 26.5197 30.5501 58 17.6972 20.5162 23.7410 27.4654 31.8069 59 18.1350 21.1135 24.5486 28.5478 33.2476 60 18.6332 21.7951 25.4710 29.7856 34.9004 174 AMER. EXP. TERMINAL RESERVES 1 3/2% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 11 12 13 14 15 61 19.2005 22.5718 26.5234 31.2022 36.8024 62 19.8454 23.4556 27.7244 32.8278 39.0020 63 20.5772 24.4612 29.0984 34.7023 41.5685 64 21.40;0 25.6080 30.6779 36.8829 44.5973 65 22.3500 26.9216 32.5094 39.4486 48.2161 66 23.4262 28.4396 34.6575 42.5050 52.6310 67 24.6653 30.2142 37.2084 46.2234 58.0895 68 26.1088 32.3146 40.3030 50.8068 64.9386 69 27.8115 34.8554 44.1057 56.5389 73.6639 70 29.8656 37.9678 48.8453 63.8141 85.0609 ' 175 ^^' TERMINAL RESERVES ^]^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 16 17 l8 19 30 20 23.4900 25.5796 27.7663 30.0559 32.4540 21 23.5105 25.6049 27.7976 30.0940 32.5006 22 23.5328 25.6326 27.8316 30.1359 32.5514 23 23.5574 25.6629 27.8691 30.1815 32.6071 24 23.5841 25.6963 27.9099 30.2317 32.6683 25 23.6136 25.7326 27.9548 30.2867 32.7362 26 23.6457 25.7725 28.0041 30.3478 32.8114 27 23.6811 25.8164 28.0588 30.4155 32.8953 28 23.7199 25.8652 28.1195 30.4911 32.9892 29 23.7631 25.9193 28.1872 30.5758 33.0948 30 23.8110 25.9797 28.2632 30.6710 33.2149 31 23.8646 26.0475 28.3487 30.7794 33.3511 32 23.9247 26.1238 28.4460 30.9023 33.5062 33 23.9924 26.2108 28.5565 31.0425 33.6824 34 24.0697 26.3096 28.6826 31.2017 33.8821 35 - 24.1575 26.4223 28.8258 31.3822 34.1089 36 24.2578 26.5505 28.9882 31.3872 34.3660 37 24.3718 26.6958 29.1726 31.8195 34.6574 38 24.5010 26.8608 29.3816 32.0829 34.9873 39 . 24.6478 27.0478 29.6184 32.3809 35.3603 40 24.8142 27.2597 29.8865 32.7179 35.7826 41 25.0026 27.4994 30.1892 33.0992 36.2606 42 25.2157 27.7702 30.5319 33.5306 36.8020 43 25.4562 28.0763 30.9193 34.0189 37.4154 44 25.7280 28.4222 31.3576 34.5719 38.1105 45 26.0349 28.8132 31.8535 35.1981 38.8994 46 26.3816 29.2554 32.4146 35.9082 39.7969 47 26.7732 29.7553 33.0504 36.7155 40.8196 48 27.2156 30.3212 33.7726 37.6345 41.9873 49 27.7159 30.9634 34.5941 38.6831 43.3249 50 28.2832 31.6933 35.5305 39.8830 44.8604 51 28.9273 32.5245 36.6011 41.2592 46.6288 52 29.6601 33.4738 37.8277 42.8425 48.6704 53 30.4963 34.5604 39.2374 44.6683 51.0293 54 31.4523 35.8079 40.8611 46.7751 53.7573 55 32.5484 37.2427 42.7320 49.2079 56.9187 56 33.8075 38.8935 44.8888 52.0223 60.5967 57 35.2537 40.7932 47.3793 55.2906 64.9007 58 36.9149 42.9826 50.2657 59.1073 69.9834 59 38.8252 45.5144 53.6292 63.6052 76.0559 60 41.0290 48.4577 57.5840 68.9675 83.4036 61 43.5846 51.9103 62.2882 75.4416 52 46.5747 56.0069 67.9542 63 50.1134 60.9289 64 54.3535 176 ^^' TERMINAL RESERVES ^I6i% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 31 22 23 24 25 20 34.9674 37.6025 40.3674 43.2703 46.3214 21 35.0236 37.6706 40.4494 43.3698 46.4414 22 35.0853 37.7452 40.5404 43.4798 46.5749 23 35.1531 37.8281 40.6409 43.6023 46.7242 24 35.2282 37.9197 40.7528 43.7392 46.8915 25 35.3113 38.0217 40.8781 43.8928 47.0812 26 35.4040 38.1359 41.0186 44.0670 47.2958 27 35.5078 38.2641 41.1782 44.2642 47.5399 28 35.6244 38.4098 41.3588 44.4855 47.8166 29 35.7569 38.5748 41.5644 44.7429 48.1299 30 35.9070 38.7626 41.7976 45.0309 48.4854 31 36.0781 38.9758 42.0618 45.3579 48.8884 32 36.2723 39.2173 42.3617 45.7286 49.3453 33 36.4923 39.4914 42.7017 46.1489 49.8630 34 36.7421 39.8022 43.0871 46.6249 50.4488 35 37.0253 40.1546 43.5237 47.1637 51.1130 36 37.3464 40.5537 44.0177 47.7743 51.8659 37 37.7099 41.0052 44.5774 48.4664 52.7202 38 38.1211 41.5167 45.2116 49.2514 53.6903 39 38.5868 42.0^60 45.9308 50.1425 54.7923 40 39.1140 42.7527 46.7469 51.1544 56.0464 41 39.7115 43.4976 47.6732 52.3054 57.4776 42 40.3889 44.3427 48.7264 53.6184 59.1136 43 41.1570 45.3029 49.9270 55.1184 60.9886 44 42.0292 46.3970 51.2979 56.8365 63.1443 45 43.0223 47.6454 52.8670 58.8105 65.6293 46 44.1546 49.0733 54.6687 61.0845 47 45.4488 50.7115 56.7424 48 46.3924 52.5956 49 48.6372 177 ^^- TERMINAL RESERVES 3^^ PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 26 27 38 29 30 20 49.5308 52.9109 56.4756 60.2407 64.2261 21 49.6760 53.0868 56.6888 60.5011 64.5427 22 49.8382 53.2840 56.9303 60.7953 64.9021 23 50.0201 53.5073 57.2030 61.1292 65.3090 24 50.2262 53.7596 57.5127 61.5074 65.7692 25 50.4591 54.0463 57.8636 61.9352 66.2911 26 50.7240 54.3712 58.2606 62.4205 66.8823 27 51.0241 54.7389 58.7110 62.9703 67.5526 28 51.3640 55.1561 59.2214 63.5937 68.3120 29 51.7496 55.6289 59.8000 64.2999 69.1718 30 52.1866 56.1649 60.4555 65.0996 70.1472 31 52.6820 56.7722 61.1978 66.0665 71.2537 32 53.2434 57.4598 62.0395 67.0353 72.5106 33 53.8789 58.2394 62.9943 68.2037 73.9396 34 - 54.5993 59.1235 64.0783 69.5319 75.5655 35 55.4162 60.1272 65.3104 71.0427 77.4189 36 56.3434 61.2676 66.7114 72.7644 79.5378 37 57.3965 62.5640 68.3075 74.7321 81.9651 38 • 58.5933 64.0405 70.1311 76.9854 84.7532 39 59.9558 65.7268 72.2186 79.5727 87.9671 40 61.5114 67.6562 74.6144 82.5538 91.6825 41 . 63.2905 69.8698 77.3737 85.9985 42 65.3305 72.4178 80.5604 43 67.6775 75.3589 44 70.3847 178 AMER ^^^^ TERMINAL RESERVES ^l^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 31 32 33 34 35 20 68.4519 72.9437 77.7281 82.8364 88.3067 21 68.8379 73.4123 78.2953 83.5235 89.1372 22 69.2749 73.9421 78.9382 84.3016 90.0783 23 69.7692 74.5427 79.6662 85.1834 91.1445 24 70.3295 75.2230 80.4913 86.1823 92.3518 25 70.9642 75.9940 81.4261 87.3136 93.7214 26 71.6836 76.8676 82.4847 88.5969 95.2760 27 72.4987 77.8568 83.6856 90.0534 97.0428 28 73.4218 78.9790 85.0485 91.7087 99.0531 29 74.4688 80.2524 86.5971 93.5917 101.3424 30 75.6568 81.6992 88.3587 95.7358 103.9548 31 77.0065 83.3448 90.3641 98.1822 106.9450 32 78.5412 85.2178 92.6518 100.9818 110.3752 33 80.2878 87.3539 95.2692 104.1925 114.3214 34 82.2792 89.7974 98.2703 107.8852 118.8780 35 84.5566 92.5982 101.7209 112.1479 124.1557 36 87.1663 95.8177 105.7029 . 117.0837 37 90.1650 99.5315 110.3119 38 93.6230 103.8286 39 97.6224 179 EX^ TERMINAL RESERVES ^l^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium VEARS Age 36 37 38 39 40 20 94.1815 100.5115 107.3549 114.7798 122.8695 21 95.1847 101.7215 108.8124 116.5367 124.9868 22 96.3211 103.0918 110.4659 118.5311 127.3938 23 97.6082 104.6464 112.3428 120.7984 130.1336 24 99.0682 106.4110 114.4764 123.3789 133.2553 25 lfJO.7254 108.4167 116.9046 126.3189 136.8201 26 102.6089 . 1 10.6993 119.6708 129.6759 140.9038 27 104.7523 113.2994 122.8290 133.5210 145.5924 28 107 1935 116.2674 126.4458 137.9350 150.9922 29 109.9797 119.6659 130.5971 143.0175 157.2344 30 113.1695 123.5660 135.3762 148.8918 164.4743 31 116.8292 128.0548 140.8985 155.7034 32 121.0407 133.2407 147.3006 33 - 125.9048 139.2510 34 131.5405 180 AMER. ^^' TERMINAL RESERVES OJ4 PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 41 42 43 44 45 20 1317210 141.4513 152.1998 164.1330 177.4561 21 134.2741 144.5314 155.9174 168.6274 182.9039 22 137.1803 148.0416 160.1639 173.7780 189.1628 23 140.4920 152.0509 165.0300 179.6948 196.3760 24 144.2741 156.6446 170.6192 186.5128 204.7214 25 148.6072 161.9203 177.0590 194.4000 214.4099 26 153.5829 167.9980 184.5075 203.5550 27 159.3142 175.0267 193.1518 28 165.9410 183.1821 29 173.6285 181 AMER. )^^' TERMINAL RESERVES ^l PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 46 47 48 49 50 20 192.4237 209.3430 228.5972 250.6680 276.1520 21 199.0398 217.3998 238.4430 262.7377 22 206.6656 226.7237 249.8783 23 215.4898 237.5514 24 225.7354 182 AMER. EXP. MEAN RESERVES ^l PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age I 2 3 4 5 20 1.0216 2.0873 3.1991 4.3592 5.5698 21 1.0216 2.0874 3.1994 4.3597 5.5706 22 1.0217 2.0875 3.1996 4.3602 5.5714 23 1.0217 2.0876 3.1999 4.3607 5.5723 24 1.0217 2.0878 3.2002 4.3613 • 5.5732 25 1.0217 2.0879 3.2005 4.3618 5.5741 26 1.0218 2.0880 3.2008 4.3624 5.5752 27 1.0218 2.0882 3.2012 4.3631 5.5764 28 1.0218 2.0883 3.2016 4.3639 5.5776 29 1.0219 2.0885 3.2020 4.3647 5.5790 30 1.0219 2.0887 3.2024 4.3655 5.5804 31 1.0220 2.0889 3.2029 4.3665 5.5820 32 1.0220 2.0891 3.2034 4.3675 5.5837 33 1.0221 2.0893 3.2040 4.3686 5.5856 34 1.0221 2.0896 3.2046 4.3698 5.5877 35 1.0222 2.0899 3.2053 4.3711 5.5900 36 1.0223 2.0902 3.2061 4.3727 5.5926 37 1.0223 2.0905 3.2069 4.3743 5.5954 38 1.0224 2.0909 3.2079 4.3761 5.5985 39 1.0225 2.0913 3.2089 4.3781 5.6018 40 1.0226 2.0917 3.2100 4.3802 5.6056 41 1.0227 2.0923 3.2112 4.3826 5.6098 42 1.0229 2.0928 3.2126 4.3854 5.6146 43 1.0230 2.0934 3.2141 4.3884 5.6200 44 1.0232 2.0941 3.2159 4.3919 5.6261 45 1.0234 2.0949 3.2179 4.3959 5.6332 46 1.0236 2.0958 3.2202 4.4005 5.6413 47 1.0238 2.0969 3.2228 4.4058 5.6507 48 1.0241 2.0981 3.2258 4.4118 5.6613 49 1.0244 2.0995 3.2293 4.4187 5.6733 50 1.0247 2.1010 3.2332 4.4264 5.6867 51 1.0251 2.1028 3.2376 4.4351 5.7017 52 1.0256 2.1047 3.2424 4.4447 5.7186 53 1.0261 2.1069 3.2479 4.4556 5.7374 54 1.0267 2.1094 3.2541 4.4677 5.7585 55 1.0273 2.1121 3.2609 4.4812 5.7820 56 1.0280 2.1152 3.2685 4.4962 5.8082 57 1.0288 2.1186 3.2770 4.5129 5.8374 58 1.0297 2.1224 3.2864 4.5316 5.8701 59 1.0306 2.1266 3.2969 4.5525 5.9066 60 1.0317 2.1313 3.3086 4.5757 5.9473 183 ^1^ MEAN RESERVES ^l^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age I 3 3 4 5 61 1.0329 2.1365 3.3216 4.6016 5.9928 62 . 1.0.342 2.1423 3.3361 4.6304 6.0437 63 1.0357 2.1487 3.3522 4.6627 6.1007 64 1.0373 2.1558 3.3702 4.6988 6.1647 65 1.0391 2.1638 3.3903 4.7393 6.2365 66 1.0412 2.1727 3.4128 4.7844 6.3169 67 1.0434 2.1826 3.4378 4.8349 6.4070 68 1.0459 2.1936 3.4657 4.8913 6.5073 69 1.0486 2.2057 3.4966 4.9538 6.6184 70 1.0517 2.2192 3.5308 5.0224 6.7406 184 AMER J5[^ MEAN RESERVES 3^^ PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium VEARS Age 6 7 8 9 ID 20 6.8332 8.1518 9.5283 10.9655 12.4662 21 6.8344 8.1536 9.5308 10.9688 12.4707 22 6.8356 8.1554 9.5334 10.9724 12.4754 23 6.8370 8.1574 9.5362 10.9762 12.4804 24 6.8384 8.1595 9.5392 10.9803 12.4859 25 6.8399 8.1618 9.5423 10.9847 12.4919 26 6.8416 8.1642 9.5458 10.9895 12.4983 27 6.8434 8.1668 9.5496 10.9947 12.5053 28 6.8453 8.1697 9.5587 11.0003 12.5129 29 6.8475 8.1729 9.5581 11.0065 12.5213 30 6.8497 8.1762 9.5630 11.0133 12.5306 31 6.8522 81799 9.5683 11.0207 12.5407 32 6.8549 8.1840 9.5742 11.0290 12.5519 33 6.8580 8.1886 9.5807 11.0380 12.5641 34 6.8613 8.1935 9.5878 11.0478 12.5775 35 6.8649 8.1990 9.5957 11.0588 12.5925 Z6 6.8690 8.2050 9.6043 11.0709 12.6092 37 6.8734 8.2116 9.6139 11.0844 12.6278 38 6.8782 8.2189 9.6246 11.0995 12.6488 39 6.8836 8.2271 9.6366 11.1166 12.6725 40 6.8897 8.2363 9.6501 11.1359 12.6996 41 6.8965 8.2467 9.6654 11.1579 12.7306 42 6.9042 8.2586 9.6829 11.1832 12.7662 43 6.9129 8.2721 9.7031 11.2122 12.8067 44 6.9230 8.2877 9.7262 11.2453 12.8527 45 6.9346 8,3056 9.7526 11.2828 12.9048 46 6.9478 f.3260 9.7825 11.3253 12.9638 47 6.9630 8.3490 9.8162 11.3733 13.0303 48 6.9800 8.3750 9.8543 11.4274 13.1052 49 6.9993 8.4043 9.8972 11.4881 13.1893 50 7.0208 8.4371 9.9452 11.5562 13.2836 51 7.0451 8.4740 9.9990 11.6325 13.3894 52 7.0722 8.5152 10.0593 11.7181 13.5081 53 7.1024 8.5613 10.1267 11.8140 13.6415 54 7.1363 8.6129 10.2023 11.9216 13.7912 55 7.1741 8.6706 10.2870 12.0422 13.9592 56 7.2164 8.7351 10.3818 12.1776 14.1484 57 7.2636 8.8074 10.4881 12.3297 14.3617 58 7.3164 8.8882 10.6074 12.5010 14.6024 59 7.3754 8.9789 10.7416 12.6940 14.8745 60 7.4415 9.0806 10.8925 12.9120 15.1828 185 ^^ MEAN RESERVES ^¥1% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 6 7 8 9 10 61 7.5156 9.1950 11.0627 13.1584 15.5324 62 7.5986 9.3237 11.2548 13.4374 15.9293 63. 7.6919 9.4686 11.4718 13.7535 16.3793 64 7.7969 9.6320 11.7170 14.1107 16.8881 65 7.9148 9.8162 11.9934 14.5134 17.4624 66 8.0474 10.0230 12.3036 14.9661 18.1110 67 8.1957 10.2542 12.6509 15.4751 18.8456 68 8.3607 10.5117 13.0395 16.0491 19.6836 69 8.5435 10.7985 13.4758 16.7012 20.6502 70 8.7460 11.1190 13.9694 17.4505 21.7791 186 AMER. EXP. MEAN RESERVES ^16% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age II 12 13 14 15 20 14.0336 15.6708 17.3812 19.1688 21.0375 21 14.0393 15.6781 17.3907 19.1809 21.0525 22 14.0455 15.6862 17.4010 19.1938 21.0686 23 14.0522 15.6949 17.4121 19.2077 21.0862 24 14.0595 15.7042 17.4240 19.2230 21.1054 25 14.0673 15.7144 17.4371 19.2396 21.1265 26 14.0757 15.7254 17.4514 19.2580 21.1497 27 14.0850 15.7376 17.4671 19.2781 21.1751 28 14.0952 15.7510 17.4844 19.3001 21.2029 29 14.1064 15.7656 17.5033 19.3242 21.2335 • 30 14.1187 15.7817 17.5241 19.3508 21.2674 31 14.1322 15.7993 17.5470 19.3803 21.3051 32 14.1470 15.8188 17.5723 19.4130 21.3470 33 14.1633 15.8404 17.6005 19.4495 21.3941 34 14.1814 15.8644 17.6319 19.4905 21.4471 35 14.2016 15.8912 17.6673 19.5367 21.5074 36 14.2241 15.9213 17.7072 19.5892 21.5760 37 14.2494 15.9553 17.7525 19.6491 21.6542 38 14.2781 15.9940 17.8042 19.7173 21.7434 39 14.3107 16.0382 17.8633 19.7952 21.8446 40 14.3480 16.0888 17.9307 19.8837 21.9596 41 14.3907 16.1465 18.0072 19.9841 22.0899 42 14.4395 16.2120 18.0941 20.0980 22.2376 43 14.4948 16.2863 18.1926 20.2268 22.4045 44 14.5576 16.3705 18.3040 20.3725 22.5930 45 14.6286 16.4657 18.4298 20.5367 22.8055 46 14.7088 16.5731 18.5716 20.7219 23.0454 47 14.7993 16.6940 18.7312 20.9306 23.3160 48 14.9009 16.8299 18.9108 21.1657 23.6212 49 15.0151 16.9828 19.1131 21.4308 23.9655 50 15.1434 17.1548 19.3409 21.7295 24.3542 51 15.2875 17.3482 19.5974 22.0663 24.7938 52 15.4494 17.5657 19.8863 22.4470 25.2920 53 15.6314 17.8106 20.2124 22.8779 25.8575 54 15.8359 18.0867 20.5814 23.3666 26.5010 55 16.0664 18.3987 20.9992 23.9221 27.2350 56 16.3266 18.7517 21.4736 24.5548 28.0739 57 16.6205 19.1520 22.0134 25.2771 29.0349 58 16.9534 19.6067 22.6286 26.1032 30.1362 59 17.3311 20.1243 23.3311 27.0482 31.3977 60 17.7601 20.7142 24.1331 28.1283 32.8430 187 ^^^' MEAN RESERVES 3^^ PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age II 12 13 14 15 61 18.2482 21.3862 25.0476 29.3628 34.5023 62 18.8030 22.1505 26.0900 30.7761 36.4149 63 • 19.4323 23.0192 27.2798 32.4004 38.6354 64 20.1451 24.0075 28.6430 34.2804 41.2401 65 20.9532 25.1358 30.2155 36.4790 44.3324 66 21.8723 26.4329 32.0486 39.0813 48.0680 67 22.9249 27.9398 34.2113 42.2159 52.6565 68 24.1434 29.7117 36.8088 46.0549 58.3727 69 25.5714 31.8335 39.9806 50.8223 65.6014 70 27.2763 34.4167 43.9066 56.8297 74.9375 188 AMER EXP MEAN RESERVES 3/^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age I6 17 i8 i9 ao 20 22.9913 25.0348 27.1730 29.4111 31.7550 21 23.0098 25.0577 27.2013 29.4458 31.7973 22 23.0299 25.0827 27.2321 29.4838 31.8437 23 23.0520 25.1102 27.2660 29.5253 31.8943 24 23.0761 25.1402 27.3031 29.5659 31.9500 25 23.1026 25.1731 27.3437 29.6208 32.0115 26 23.1316 25.2091 27.3883 29.6760 32.0796 27 23.1634 25.2488 27.4376 29.7372 32.1554 28 23.1984 25.2926 27.4924 29.8053 32.2402 29 23.2370 25.3412 27.5533 29.8815 32.3353 30 23.2800 25.3954 27.6215 29.9671 32.4430 31 23.3279 25.4561 27.6981 30.0641 32.5652 32 23.3815 25.5243 27.7849 301742 32.7043 33 23.4418 25.6016 27.8837 30.2995 32.8625 34 23.5103 25.6897 27.9961 30.4422 33.0419 35 23.5883 25.7899 28.1241 30.6040 33.2456 36 23.6772 25.9042 28.2694 30.7877 33.4766 37 23.7785 26.0338 28.4342 30.9961 33.7385 38 23.8935 26.1809 28.6212 31.2323 34.0351 39 24.0240 26.3478 28.8331 31.4997 34.3706 40 24.1720 26.5370 29.0731 31.8022 34.7503 41 24.3397 26.7510 29.3443 32.1442 35.1799 42 24.5295 26.9930 29.6511 32.5313 35.6663 43 24.7438 27.2663 29.9978 32.9691 36.2172 44 24.9858 27.5751 30.3899 33.4648 36.8412 45 25.2590 27.9241 30.8334 34.0258 37.5488 46 25.5675 28.3185 31.3350 34.6614 38.3526 47 25.9158 28.7643 31.9029 35.3830 39.2676 48 26.3092 29.2684 32.5469 36.2036 40.3109 49 26.7536 29.8397 33.2788 37.1386 41.5040 50 27.2567 30.4883 34.1119 38.2068 42.8717 51 27.8274 31.2259 35.0628 39.4302 44.4440 52 28.4759 32.0670 36.1508 40.8351 46.2565 53 29.2146 33.0284 37.3989 42.4529 48.3488 54 30.0580 34.1301 38.8345 44.3181 50.7662 55 31.0234 35.3956 40.4874 46.4700 53.5633 56 32.1308 36.8505 42.3912 48.9556 56.8095 57 33.4019 38.5235 44.5863 51.8350 60.5957 58 34.8609 40.4488 47il242 55.1865 65.0454 59 36.5364 42.6698 50.0718 59.1172 70.3306 60 38.4647 45.2434 53.5209 63.7758 76.6856 61 40.6935 48.2475 57.5993 69.3649 62 43.2884 51.7908 62.4806 63 46.3410 56.0212 64 49.9754 189 ^1^ MEAN RESERVES VA% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 21 22 33 34 35 20 34.2107 36.7850 39.4850 42.3189 45.2959 21 34.2621 36.8471 39.5600 42.4096 45.4056 22 34.3184 36.9153 39.6428 42.5101 45.5274 23 34.3801 36.9906 39.7345 42.6216 45.6633 24 34.4483 37.0740 39.8363 42.7460 45.8154 25 34.5238 37.1665 39.9499 42.8855 45.9870 26 34.6077 37.2700 40.0773 43.0428 46.1814 27 34.7016 37.3860 40.2212 43.2212 46.4021 28 34.8068 , 37.5171 40.3843 43.4222 46.6511 29 34.9259 37.6659 40.5696 43.6537 46.9364 30 35.0610 37.8348 40.7801 43.9143 47.2582 31 35.2146 38.0270 41.0188 44.2099 47.6232 32 35.3893 38.2448 41.2895 44.5452 48.0370 33' 35.5874 38.4919 41.5966 44.9253 48.5060 34 35.8121 38.7722 41.9447 45.3560 49.0369 35 36.0671 39.0900 42.3392 45.8437 49.6384 36 36.3562 39.4501 42.7857 46.3960 50.3201 37 36.6837 39.8576 43.2913 47.0219 51.0933 38 37.0542 40.3189 43.8642 47.7315 51.9709 39 37.4736 40.8414 44.5134 48.5367 52.9674 40 37.9483 41.4334 45.2498 49.4507 54.1004 41 38.4861 42.1046 46.0854 50.4893 55.3915 42 39.0955 42.8658 47.0346 51.6724 56.8660 43 39.7862 43.7300 48.1150 53.0227 58.5535 44 40.5699 44.7131 49.3475 54.5672 60.4904 45 41.4609 45.8339 50.7562 56.3388 62.7199 46 42.4758 47.1140 52.3710 58.3766 47 43.6342 48.5802 54.2270 48 44.9599 50.2640 49 46.4811 190 AMER ^^ MEAN RESERVES ^}/^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 26 37 28 29 30 20 48.4261 51.7209 55.1933 58.8582 62.7334 21 48.5587 51.8814 55.3878 59.0950 • 63.0219 22 48.7066 52.061 1 55.6072 59.3628 63.3487 23 48.8722 52.2637 55.8552 59.6661 63.7191 24 49.0589 52.4929 56.1362 60.0101 64.1383 25 49.2702 52.7527 56.4550 60.3994 64.6132 26 49.5099 53.0476 56.8159 60.8406 65.1514 27 49.7820 53.3815 57.2250 61.3407 65.7615 28 50.0903 53.7601 57.6888 61.9076 66.4529 29 50.4398 54.1893 58.2145 62.5500 67.2359 30 50.8360 54.6758 58.8102 63.2776 68.1234 31 51.2852 552271 59.4850 64.1022 69.1301 32 51.7944 55.8516 60.2497 65.0374 70.2730 33 52.3710 56.5592 61.1169 66.0990 71.5717 34 53.0241 57.3614 62.1009 67.3051 73.0487 35 53.7646 58.2717 63.2188 68.6766 74.7308 36 54.6047 59.3055 64.4895 70.2379 76.6511 37 55.5584 60.4803 65.9358 72.0198 78.8486 38 56.6418 61.8169 67.5858 74.0583 81.3693 39 57.8741 63.3413 69.4727 76.3957 84.2699 40 59.2789 65.0838 71.6353 79.0841 87.6182 41 60.8841 67.0802 74.1218 82.1861 42 62.7221 69.3742 76.9891 43 64.8331 72.0182 44 67.2645 191 ^exp!^ mean reserves ^¥2% pure endowment Per $1 of Pure Endowment Net Annual Premium YEARS Age 31 32 33 34 35 20 66.8390 71.1978 75.8359 80.7823 86.0716 21 67.1903 71.6251 76.3538 81.4094 86.8304 22 67.5885 72.1085 76.9402 82.1199 87.6900 23 68.0391 72.6560 77.6045 82.9248 88.6640 24 68.5494 73.2763 78.3572 83.8368 89.7671 25 69.1277 73.9791 79.2101 84.8699 91.0175 26 69.7830 74.7756 80.1762 86.0408 92.4365 27 70.5257 75.6778 81.2712 87.3695 94.0481 28 71.3669 76.7004 82.5138 88.8786 95.8809 29 72.3203 77.8606 83.9248 90.5944 97.9671 30 73.4020 79.1780 85.5290 92.5473 100.3453 31 74.6301 80.6757 87.3545 94.7732 103.0636 32 76.0259 82.3795 89.4348 97.3168 106.1785 33 - 77.6137 84.3209 91.8116 100.2309 109.7570 34 79.4224 86.5383 94.5339 103.5778 113.8816 35 • 81.4878 89.0774 97.6596 107.4344 118.6518 36 83.8521 91.9920 101.2603 111.8933 37 • 86.5651 95.3483 105.4217 38 89.6881 99.2258 39 93.2948 192 AMER exp!^ mean reserves ^l^% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 36 37 38 39 40 20 917441 97.8465 104.4332 111.5674 119.3247 21 92.6610 98.9531 105.7670 113.1746 121.2618 22 93.6997 100.2065 107.2789 114.9985 123.4625 23 94.8764 101.6273 108.9946 117.0706 125.9660 24 96.2100 103.2396 110.9437 119.4277 128.8171 25 97.7234 105.0711 113.1607 122.1118 132.0695 26 99.4225 107.1541 115.6851 125.1734 135.7899 27 101.3976 109.5259 118.5642 128.6750 140.0567 28 103.6233 112.2305 121.8566 132.6904 144.9636 29 106.1611 115.3228 125.6315 137.3073 150.6260 30 109.0622 118.8678 129.9711 142.6340 157.1831 31 112.3871 122.9420 134.9767 148.8010 32 116.2080 127.6407 140.7707 33 120.6131 133.0779 34 125.7093 193 ^^' MEAN RESERVES V/i% PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS Age 41 43 43 44 45 20 127.7953 137.0862 147.3256 158.6664 171.2946 21 130.1305 139.9028 150.7244 162.7724 176.2657 22 132.7871 143.1110 154.6028 167.4710 181.9704 23 135.8128 146.7715 159.0405 172.8624 188.5354 24 139.2647 150.9594 164.1319 179.0660 196.1171 25 143.2137 155.7638 169.9897 186.2295 204.9050 26 147.7434 161.2905 176.7528 194.5313 27 152.9533 167.6705 184.5893 28 158.9666 175.0616 29 165.9315 394 AMER. EXP. MEAN RESERVES 3' PURE ENDOWMENT Per $1 of Pure Endowment Net Annual Premium YEARS ^ge 46 47 48 49 20 1854399 201.3834 219.4701 240.1326 21 191.4719 208.7198 228.4214 231.0904 22 198.4142 217.1947 238.8010 23 206.4329 227.0206 24 215.7284 50 263.9100 195 AMER. EXP. MEAN ACCUMULATED 3^% TEMPORARY INSURANCE YEARS Age I 3 3 4 5 20 3.93 11.99 20.45 29.33 38.65 21 3.96 12.07 20.59 29.53 38.92 22 3.98 12.16 20.73 29.73 39.18 23 4.01 12.23 20.87 29.94 39.47 24 4.04 12.32 21.02 30.16 39.77 25 4.07 12.40 21.17 30.40 40.10 26 4.10 12.51 21.35 30.65 40.46 27 4.13 12.61 21.53 30.93 40.83 28 4.17 12.72 21.73 31.23 41.23 29 4.21 12.84 21.95 31.55 41.68 30 4.25 12.98 22.18 31.90 42.16 31 4.29 13.12 22.43 32.27 42.67 32 4.34 13.27 22.71 32.68 43.23 33 4.40 13.45 23.01 33.13 43.85 34 4.46 13.62 23.32 33.61 44.52 35 - 4.52 13.81 23.67 34.14 45.27 36 4.58 14.03 24.07 34.74 46.10 Z7 4.66 14.28 24.51 35.40 47.01 38 4.75 14.55 24.99 36.12 48.01 39 4.84 14.84 25.52 36.91 49.10 40 4.95 15.17 26.09 37.78 50.32 41 5.06 15.52 26.72 38.75 51.67 42 5.18 15.91 27.43 39.83 53.19 43 5.32 16.35 28.23 41.05 54.91 44 5.48 16.85 29.13 42.44 56.88 45 5.65 17.40 30.15 44.00 59.11 46 5.85 18.04 31.32 45.81 61.69 47 6.08 18.77 32.66 47.89 64.64 48 6.34 19.62 34.21 50.28 68.03 49 6.64 20.59 35.99 53.01 71.88 50 6.99 21.70 38.00 56.08 76.20 51 7.38 22.95 40.26 59.54 81.07 52 7.82 24.34 42.78 63.41 86.52 53 8.30 25.89 45.61 67.74 92.64 54 8.85 27.64 48.78 72.61 99.50 55 9.46 29.59 52.33 78.03 107.16 56 10.15 31.77 56.28 84.09 115.73 57. 10.90 34.18 60.67 90.85 125.31 58 11.74 36.86 65.56 98.40 136.05 59 12.68 39.86 71.04 106.85 148.06 60 13.72 43.20 77.14 116.27 161.50 196 AMER. ^^' MEAN ACCUMULATED 3]^% TEMPORARY INSURANCE YEARS Age I 2 3 4 5 61 14.87 46.91 83.93 126.79 176.58 62 16.15 51.02 91.48 138.56 193.50 63 17.57 55.59 99.92 151.75 212.51 64 19.15 60.69 109.36 166.53 233.92 65 20.91 66.38 119.91 183.13 258,05 66 22.85 72.71 131.71 201.75 285.25 67 25.02 79.75 144.89 222.67 315.92 68 27.43 87.61 159.63 246.14 350.40 69 30.09 96.33 176.07 272.35 388.98 70 33.05 106.01 194.31 301.45 431.96 197 AMER. EXP. MEAN ACCUMULATED 35^% TEMPORARY INSURANCE YEARS Age 6 7 8 9 lO 20 48.44 58.71 69.49 80.82 92.72 21 48.77 59.12 70.00 81.43 93.45 22 49.12 59.56 70.53 82.08 94.22 23 49.49 60.03 71.11 82.77 95.04 24 49.88 60.52 71.72 82.50 95.92 25 50.31 61.06 72.37 84.30 96.87 26 50.77 61.63 73.09 85.17 97.91 27 51.26 62.26 73.86 86.10 99.03 28 51.79 62.94 74.69 87.11 100.24 29 52.38 63.66 75.59 88.20 101.56 30 53.00 64.45 76.57 89.40 103.01 31 53.67 65.30 77.64 90.72 104.60 32 54.40 66.25 78.82 92.16 106.34 33 55.22 67.29 80.12 93.75 108.26 34 - 56.11 68.43 81.53 95.49 110.36 35 57.10 69.69 83.10 97.40 112.69 36 58.19 71.07 84.83 99.53 115.28 Z7 59.39 72.60 86.74 101.90 118.17 38 60.71 74.30 88.87 104.53 121.40 39 62.16 76.17 91.24 107.48 125.03 40 63.78 78.26 93.89 110.79 129.14 41 65.59 80.61 96.88 114.55 133.80 42 67.63 83.28 100.29 118.84 139.14 43 69.95 86.31 104.18 123.74 145.22 44 72.61 89.80 108.64 129.36 152.17 45 75.64 . 93.78 113.74 135.74 160.06 46 79.13 98.34 119.55 143.01 169.05 47 83.12 103.54 126.16 151.29 179.27 48 87.67 109.45 133.68 160.68 190.86 49 92.83 116.15 142.19 171.32 203.98 50 98.63 123.69 151.77 183.29 218.76 51 105.17 132.19 162.57 196.79 235.46 52 112.49 141.72 174.68 211.97 254.27 53 120.70 152.40 188.31 229.08 275.50 54 129.92 164.42 203.65 248.36 299.47 55 140.24 177.90 220.88 . 270.08 326.55 56 151.81 193.04 240.29 294.58 357.20 57 164.77 210.04 262.12 322.25 391.95 58 179.31 229.14 286.75 353.59 431.44 59 195.62 250.66 314.60 389.15 476.43 60 213.94 274.93 346.12 429.56 527.80 198 AMER. EXP. MEAN ACCUMULATED 3^% TEMPORARY INSURANCE YEARS AgCy 6, 7 8 9 lO '61 234.57 302.34 381.86 475.59 586.61 62 257.79 333.34 422.48 528.15 654.06 63j 284.00 368.72 468.72 588.28 731.53 64 313.65 408.39 521.49 657.13 820.52 -65 ^ 347.21 453.77 581.69 735.91 922.76 66 385.19 505.30 650.23 825.98 1040.38 67 428.13 563.69 728.21 929.07 1176.14 68 476.52 629.73 816.95 1047.39 1333.72 '69 ;r 530.84 704.36 918.11 1183.88 1518.20 70 591.78 788.85 1034.06 1342.71 1736.48 199 AMER. EXP. MEAN ACCUMULATED 3^% TEMPORARY INSURANCE YEARS Age II 12 13 14 . is 20 105.23 118.39 132.23 146.79 ' 162.12 21 106.09 119.38 133.38 148.13 163.66 22 107.00 120.44 134.62 149.55 165.29 23 107.96 121.59 135.94 151.08 167.06 24 109.01 122.81 137.36 152.73" 168.98 25 110.13 124.13 138.91 154.53 171.06 26 111.36 125.57 140.60 156.51 173.36 27 112.69 127.14 142.44 158.65 175.85 28 114.13 128.85 144.45 161.00 178.57 29 115.72 130.72 146.65 163.57 181.56 30 117.45 132.77 149.05 166.38 184.86 31 119.34 135.01 151.69 169.49 188.50 32 121.42 137.48 154.62 172.93 192.54 33 123.72 140.22 157.87 176.77 197.06 34 126.25 143.24 161.45 181.02 202.09 35- 129.05 146.60 165.46 185.79 207.76 36 132.18 150.37 169.97 191.18 214.20 37 135.69 154.59 175.06 197.28 221.49 38 139.62 159.36 180.82 204.20 229.76 39 144.06 164.77 187.35 212.05 239.14 40 149.11 170.91 194.78 220.98 249.79 41 154.84 177.90 203.22 231.10 261.89 42 161.40 185.86 212.82 • 242.63 275.66 43 168.85 194.92 223.75 255.74 291.32 44 177.35 205.24 236.21 270.67 309.14 45 187.03 316.97 250.35 287.63 329.39 46 198.02 230.32 266.43 306.91 352.45 47 210.50 245.46 284.68 328.83 378.67 48 224.66 262.63 305.40 353.74 408.53 49 240.70 282.11 328.93 382.06 442.53 50 258.80 304.13 355.59 414.20 481.20 51 279.27 329.06 385.82 450.75 525.32 52 302.38 357.28 420.11 492.34 575.70 53 328.51 389.24 459.11 539.80 633.40 54 358.08 425.56 503.56 594.10 699.70 55 391.61 466.88 554.31 656.36 776.07 56 429.70 513.98 612.43 727.98 864.36 57 473.04 567.82 679.16 810.63 966.74 58 522.50 629.54 756.03 906.31 1085.79 59 579.12 700.53 844.87 1017.36 1224.52 60 644.06 782.37 947.73 1146.43 1386.52 200 "exr' mean accumulated 3^^ TEMPORARY INSURANCE YEARS Age II 12 13 14 15 61 718.77 876.88 1066.97 1296.76 1576.39 62 804.81 986.14 1205.44 1472.42 1800.04 63 903.96 1112.61 1366.72 1678.66 2065.38 64 1018.34 1259.40 1555.43 1922.56 2383.38 65 1150.59 1430.49 1777.74 2213.76 2768.87 66 1303.95 1631.08 2041.99 2565.29 3243.56 67 1482.94 1868.48 2359.64 2996.43 3837.81 68 1693.70 2152.48 2747.50 3533.89 4593.38 69 1944.47 2497.54 3228.70 4214.05 557026 70 2247.60 2923.55 3834.74 5089.13 6861.31 201 AMER. EXP. MEAN ACCUMULATED ZV^% TEMPORARY INSURANCE 1 ^EARS Age i6 17 i8 19 30 20 178.27 195.29 213.24 232.19 252.21 21 180.03 197.30 215.54 234.81 255.19 22 181.91 199.45 218.00 237.63 258.40 23 183.94 201.79 220.69 240.70 261.90 24 186.16 204.34 223.61 244.04 265.73 25 188.57 207.12 226.80 247.69 269.92 26 191.22 210.17 230.30 251.72 274.55 27 194.10 213.49 234.14 256.15 279.66 28 197.26 217.15 238.37 261.05 285.33 29 200.73 221.19 243.06 266.49 291.65 30 204.58 225.67 248.27 272.56 298.74 31 208.83 230.64 254.08 279.37 306.72 32 213.58 236.21 260.62 287.05 315.74 33 218.89 242.47 268.01 295.75 325.95 34 224.85 249.52 276.33 305.55 337.47 35 231.59 257.51 285.78 316.67 350.54 36- 239.24 266.58 296.49 329.29 365.38 Z7 247.92 276.86 308.63 343.60 382.22 38 257.76 288.52 322.41 359.86 401.35 39 268.91 301.74 338.04 378.30 423.06 40 281.59 316.78 355.83 399.27 447.77 41 295.99 333.85 376.01 423.10 475.88 42 312.37 353.28 399.00 450.27 507.97 43 331.00 375.38 425.18 481.25 544.60 44 352.21 400.56 455.04 516.64 586.52 45 376.33 429.24 489.11 557.06 634.49 46 403.82 461.97 528.03 603.34 689.58 47 435.14 499.32 572.54 656.42 752.97 48 470.84 541.98 623.53 717.43 826.07 49 511.59 590.81 682.09 787.73 910.64 50 558.09 646.74 759.40 868.88 1008.71 51 611.33 710.98 827.04 962.91 1122.89 52 672.34 784.94 916.82 1072.17 1256.25 53 742.52 870.39 1021.07 1199.69 1412.60 54 823.51 969.49 1142.59 1349.00 1596.46 55 917.28 1084.79 1284.62 1524.26 1813.35 56 1026.22 1219.36 1451.07 1730.67 2070.41 57 1153.10 1376.76 1646.73 1974.84 2376.93 58 1301.26 1561.44 1877.44 2265.43 2745.47 59 1474.74 1779.03 2152.09 2614.11 3193.37 60 1678.59 2036.76 2480.43 3036.80 3744.38 61 1919.41 2344.43 2877.50 3555.57 62 2206.06 2715.43 3363.48 63 2550.66 3168.20 64 2969.91 202 AMER. EXP. MEAN ACCUMULATED 35^% TEMPORARY INSURANCE YEARS Age 21 22 33 24 35 20 273.38 295.78 319.50 344.65 371.35 21 276.76 299.62 323.85 349.59 376.98 22 280.42 Z^Z.77 328.59 354.99 383.14 23 284.41 308.33 333.79 360.94 389.95 24 288.78 313.34 339.53 367.52 397.52 25 293.59 318.86 345.88 374.84 405.97 26 298.92 324.99 352.95 383.03 415.47 27 304.82 331.81 360.86 392.21 426.13 28 311.39 339.45 369.75 402.56 438.18 29 318.76 348.04 379.76 414.23 451.77 30 327.04 z'^m 391.07 427.41 467.12 31 336.38 368.65 403.83 442.29 484.48 Z2 346.95 381.01 418.27 459.17 504.18 33 358.92 395.02 434.65 478.30 526.52 34 372.44 410.85 453.19 499.99 551.86 35 387.78 428.84 474.25 524.61 580.67 2^ 405.20 449.27 498.18 552.63 613.49 37 424.98 472.47 525.38 584.53 650.90 38 447.45 498.86 556.36 620.90 693.64 39 472.99 528.88 591.65 662.42 742.50 40 502.08 563.12 631.97 709.92 798.52 41 535.23 602.21 678.07 764.35 862.91 42 573.12 646.95 730.94 826.95 937.20 43 616.44 698.21 791.71 899.13 1023.15 44 666.10 757.15 861.79 982.64 1122.98 45 723.12 825.03 942.77 1079.54 1239.31 46 788.79 903.47 1036.73 1192.44 47 864.61 994.40 1146.10 48 952.41 1100.14 • 49 1054.43 203 AMER. EXP. MEAN ACCUMULATED 3^% TEMPORARY INSURANCE ^EARS Age 26 27 28 39 30 20 399.75 429.99 462.27 496.80 533.84 21 40.615 437.30 470.64 506.41 544.90 22 413.20 445.38 479.93 517.13 557.28 23 421.02 454.39 490.34 529.16 571.20 24 429.75 464.48 502.02 542.69 586.86 25 439.54 475.82 515.16 557.92 604.52 26 450.55 488.61 529.99 575.11 624.47 27 462.96 503.02 546.72 594.54 647.04 28 476.95 519.28 565.62 616.52 672.59 29 492.76 537.67 587.02 641.42 701.56 30 510.64 558.50 611.27 669.65 734.45 31 530.89 582.10 638.77 701.70 771.85 32 553.87 608.89 670.02 738.19 814.49 33 579.95 639.34 705.60 779.79 863.19 34 609.55 673.95 746.10 827.24 918.85 35 643.27 713.43 792.38 881.54 982.68 36 681.73 758.55 845.35 943.84 1056.14 37 725.65 810.15 906.07 1015.48 1140.88 38 775.90 869.32 975.91 1098.13 1238.99 39 833.47 937.33 1056.45 1193.78 1352.98 40 • 899.70 1015.79 1149.68 1305.94 1486.05 41 976.05 1106.57 1257.98 1434.64 42 1064.44 1212.09 1384.40 43 1167.10 1335.16 44 1286.86 204 "exp!^ mean accumulated 3^^ TEMPORARY INSURANCE YEARS ^ge 31 32 33 34 35 20 573.69 616.66 663.15 713.55 768.36 21 586.45 631.40 680.16 733.21 791.10 22 600.76 647.94 699.29 755.35 816.74 2Z 616.85 666.56 720.85 780.34 845.71 24 634.99 687.58 745.22 808.60 878.51 25 655.46 711.33 772.78 840.60 915.71 26 678.62 738.22 804.02 876.92 957.99 27 704.84 768.69 839.46 918.19 1006.12 28 734.55 803.26 879.74 965.19 1061.04 29 768.28 842.58 925.62 1018.81 1123.82 30 806.64 887.36 977.98 1080.14 1195.78 31 850.32 938.46 1037.85 1150.40 1278.50 32 900.22 996.93 1106.50 1231.24 1373.98 2^Z 957.31 1063.98 1185.47 1324.54 1484.55 34 1022.71 1141.04 1276.53 1432.49 1613.03 35 1097.95 1229.98 1382.00 1558.02 . 1763.08 36 1184.81 1333.00 1504.64 1704.65 37 1285.35 1452.74 1647.83 38 1402.23 1592.55 39 1538.63 205 AMER. EXP. MEAN ACCUMULATED 3 ^% TEMPORARY INSURANCE YEARS Age 36 37 38 39 40 20 828.15 893.56 965.37 1044.45 1131.85 21 854.47 924.06 1000.72 1085.48 1179.55 22 879.18 953.51 1040.72 1132.00 1233.75 23 917.79 997.55 1086.14 1184.93 1295.53 24 955.90 1041.90 1137.82 1245.26 1366.11 25 999.19 1092.36 1196.75 1314.20 1446.94 26 1048.49 1149.94 1264.11 1393.20 1539.88 27 1104.72 1215.74 1341.29 1483.99 1647.05 28 1169.00 1291.13 1430.00 1588.71 1771.09 29 1242.66 1377.82 1532.34 1709.94 1915.28 30 1327.35 1477.82 1650.81 1850.36 2083.64 31 1425.04 1593.57 1788.50 2015.37 32 1538.18 1728.17 1949.33 33 1669.75 1885.38 34 1823.29 206 AMER. ^^ MEAN ACCUMULATED ^16% TEMPORARY INSURANCE YEARS Age 41 43 43 44 45 20 1228.81 1336.82 1457.62 1593.32 1746.45 21 1284.37 1401.65 1533.44 1682.20 1850.99 22 1347.64 1475.64 1620.18 1784.23 1971.41 23 1419.89 1560.36 1719.83 1901.84 2110.71 24 1502.65 1657.70 1834.71 2037.91 2272.56 25 1597.73 1769.92 1967.63 2196.01 2461.45 26 1707.42 1899.84 2122.15 2380.60 27 1834.36 2050.82 2302.52 28 1981.89 2227.07 29 2154.15 207 ^Exl!^ MEAN ACCUMULATED 3 5^% TEMPORARY INSURANCE 1 k'EARS \ge 46 47 48 49 20 1920.16 2118.26 2345.45 2607.60 21 2043.53 2264.40 2519.30 2815.34 22 2186.17 2434.08 2722.05 23 2351.87 2632.06 24 2545.25 so 2912.00 208 AMER. EXP. RECIPROCALS These values are not pointed off in decimals. Results should be pointed off as occasion requires. 3^96 _ Of Of Of Of Of Dx Nx Mx Life Single Immediate Age Column Column Column Premium Life Annuity 20 2147942 1015848 7537215 3509041 472941 21 2240605 1066276 7742035 3455332 475887 22 2337388 1119554 7950579 3401480 478977 23 2438477 1175876 8162666 3347444 482218 24 2544069 1235452 8378297 3293266 485621 25 2654378 1298510 8597491 3238984 489196 26 2769615 1365300 8820131 3184605 492956 27 2890048 1436093 9046417 3130196 496910 28 3015918 1511185 9276352 3075797 501070 29 3147495 1590901 9509952 3021435 505450 30 3285065 1675594 9747444 2967200 510064 31 3428944 1765653 9988803 2913085 514925 32 3579418 1861507 1023397 2859115 . 520059 33 3736851 1963627 1048322 2805362 525476 34 3901662 2072534 1073694 2751888 531192 35 4074199 2188801 1099510 2698714 537235 36 4254867 2313067 1125771 2645843 • 543629 37 4444168 2446041 1152549 2593397 550394 38 4642590 2588512 1179849 2541359 557557 39 4850719 2741357 1207750 2489837 565144 40 5069092 2905564 1236259 2438818 573191 41 5298406 3083235 1265464 2388386 581729 42 5539276 3272613 1295379 2338535 590801 43 5792535 3478099 1326098 2289323 600445 44 6058990 3700280 1357681 2240771 610709 45 6339707 3940958 1390275 2192964 621631 46 6635700 4202178 1423956 2145902 633268 47 6948256 4486281 1458928 2099704 645670 " 48 7278815 4795940 1495332 2054362 658890 49 7628987 5134230 1533406 2009973 672989 50 8000896 5504689 1573453 1966596 688009 51 8396588 5911399 1615762 1924308 704023 52 8818731 6359094 1660658 1883103 721090 53 9270074 6853277 1708493 1843020 739290 54 9753814 7400380 1759671 1804085 758716 55 1027390 8007956 1814698 1766318 779447 56 1083471 8684897 1874095 1729715 801581 57 1144143 9441729 1938518 1694298 825223 58 1210003 1029096 2008673 1660056 850491 59 1281751 1124755 2085388 1626984 877515 60 1360239 1232949 2169701 1595088 906420 209 AMER. EXP. RECIPROCALS These values are not pointed off in decimals. Results should be pointed off as occasion requires. 35^% Of Of Of Of Of Dx Nx Mx Life Single Immediate Age Column Column Column Premium Life Annuity 61 1446458 1355846 2262786 1564364 937356 62 1541604 1496082 2366069 1534810 970471 63 1647102 1656876 2481205 1506407 100593 64 1764649 1842188 2610155 1479136 104394 65 1896335 2056919 2755352 1452988 108468 66 2044760 2307170 2919844 1427964 112833 67 2213050 2600609 3107211 1404040 117512 68 2405107 2946908 3321928 1381198 122527 69 2625830 3358402 3569644 1359435 127898 70 2881288 3850932 3857223 1338715 133653 71 3179216 4445023 4193473 1319028 139815 72 3529304 5167521 4589223 1300320 146417 7Z - 3943606 6053922 5057742 1282517 153512 74 4437404 7151812 5615671 1265531 161171 75 5030510 8525949 6284407 1249258 169485 76 5749142 1026586 7092259 1233620 178563 77 6628531 1249744 8077231 1218555 188540 78 7717657 1540118 9292307 1204032 199557 79 9085540 1924085 1081205 1190028 211774 80 1083027 2441034 1274202 1176519 225390 81 1310214 3151307 1524565 1163600 240518 82 1611694 4149287 1855406 1151214 257448 83 2020222 5587878 2301615 1139288 276597 84 2586379 7724436 2916623 1127686 298658 85 3394318 1101380 3789229 1116345 324477 210 AMER. EXP. RECIPROCALS These values are not pointed off in decimals. Results should be pointed off as occasion requires. 3^% OF IMMEDIATE TEMPORARY ANNUITIES Age 4 Years 9 Years 14 Years 19 Years 20 266071 130840 927601 751371 21 266085 130866 927928 751772 22 266106 130895 928272 752196 23 266127 130923 928634 752649 24 266149 130955 929031 753142 25 266170 130988 929454 753676 26 266198 131024 929912 754262 27 266227 131063 930414 754894 28 266255 131105 930951 755584 29 266283 131149 931541 756344 • 30 266319 131199 932184 757174 31 266354 131251 932879 758087 32 266397 131311 933655 759100 33 266439 131375 934510 760225 34 266482 131444 935436 761475 35 266532 131522 936461 762870 36 266589 131607 937611 764432 Z7 266652 131700 938888 766184 38 266724 131804 940318 768149 39 266802 131919 941921 770357 40 266887 132048 943717 772839 41 266973 132190 • 945743 775627 42 267080 132350 948038 778774 43 267194 132535 950634 782320 44 267323 132742 953589 786318 45 267466 132979 956919 790808 46 267630 133299 960698 795855 47 267824 133558 964962 801526 48 268046 133908 969763 807878 49 268298 134304 975172 814976 50 268586 134749 981210 822890 51 268904 135247 987957 831691 52 269266 135801 995461 841475 53 269665 136422 100383 852326 54 270117 137112 101314 864379 55 270614 137882 102349 877724 56 271172 138737 103500 892499 57 271791 139686 104779 908810 58 272472 140742 106198 926810 59 273232 141919 107775 946647 60 274078 143223 109523 968476 211 AMER. EXP. RECIPROCALS These values are not pointed off in decimals. Results should be pointed off as occasion requires. 35^% OF IMMEDIATE TEMPORARY ANNUITIES Age 5 Years 10 Years 15 Years 20 Years 20 217264 120116 882535 727178 21 217283 120143 882877 727596 22 217306 120172 883236 728035 23 217330 120202 883619 728513 24 217354 120234 884025 729028 25 217377 120270 884470 729586 26 217406 120308 884956 730199 27 217434 120349 885473 730866 28 217467 120393 886046 731593 29 217500 120441 886658 732391 30 217538 120492 887335 733267 31 217581 120549 888076 734231 32 - 217623 120611 888889 735305 33 217671 120680 889783 736502 34 217723 120754 890765 737828 35 217780 120836 891862 739311 36 217846 120926 893080 740971 37 217917 121026 894446 742837 38 217993 121137 895969 744934 39 218079 121259 897674 747278 40 218169 121396 899596 749918 41 218274 121550 901762 752882 42 218388 121723 904208 756224 43 218517 121920 906980 759977 44 218665 122145 910125 764210 45 218828 122399 913676 768959 46 219015 122690 917684 774293 47 219236 123021 922211 780275 48 219486 123396 927308 786962 49 219771 123819 933027 794439 50 220095 124293 939417 802761 51 220459 124825 946548 812011 52 220863 125417 954481 822281 53 221312 126078 963317 833667 54 221818 126815 973151 846289 55 222380 127636 984087 860245 56 223005 128548 996234 875664 57 223699 129561 100971 892666 58 224669 130687 102467 911386 59 225322 131938 104128 931993 60 226275 133330 105966 954636 212 AMER. EXP. RECIPROCALS These values are not pointed off in decimals. Results should be pointed off as occasion requires. 3^% OF IMMEDIATE TEMPORARY ANNUITIES To To To To Age Age 65 Age 70 Age 75 Age 80 20 497510 485753 478643 474917 21 501905 489440 481914 477975 22 506547 493318 485350 481183 23 511456 497406 488962 484553 24 516652 501716 492761 488091 25 522158 506268 496761 491811 26 528002 511075 500979 495729 27 534208 516158 505423 499850. 28 540801 521537 510110 504190 29 547819 527232 515060 508766 30 555300 533268 520289 513590 31 563279 539671 525815 518678 32 571807 546475 531666 524054 33 580936 553701 537863 529737 34 590713 561407 544428 535742 35 601211 569609 551390 542097 36 612508 578369 558787 548829 37 624680 587724 566649 555963 38 637824 597736 575017 563533 39 652048 608458 583918 571563 40 667481 619970 593415 580097 41 684266 632339 603548 589168 42 702583 645674 614383 598831 43 722637 660062 625982 609125 44 744674 675630 638415 620109 45 768958 692502 651759 631832 46 795798 710833 666098 644363 47 825777 730807 681533 657722 48 859232 752621 698163 672097 49 896781 776518 716112 687451 50 939496 802762 735494 703883 51 987957 831691 756475 721496 52 104378 863715 779205 740379 53 110868 899337 803910 760647 54 118509 939205 830834 782436 55 127636 984087 860245 805886 56 ' 103500 892499 831152 57 109327 927988 858428 58 116066 967240 887926 59 123956 101087 919904 60 133330 105966 954636 American Experience 3% 215 AMER. EXP. NET PREMIUMS FULL PRELIMINARY TERM 3% First Year Premiums RENEWAL PREMIUMS Ordinary Life 30 Payment Life 15 Payment Life lo Payment Life Age All Forms 20 7.58 14.72 24.30 30.28 43.14 21 7.63 15.04 24.67 30.73 43.78 22 7.68 15.38 25.05 31.20 44.44 23 7.73 15.74 25.44 31.68 45.12 24 7.78 16.11 25.85 32.18 45.82 25 . 7.83 16.51 26.27 32.70 46.55 26 7.89 16.92 26.71 33.23 47.29 27 7.96 17.35 27.17 33.79 48.07 28 8.02 17.81 27.64 34.36 48.87 29 8.10 18.28 28.12 34.95 49.69 30 8.18 18.79 28.63 35.56 50.54 31 8.26 19.32 29.15 36.19 51.42 32 8.36 19.87 29.70 36.85 52.33 33 8.46 20.46 30.27 37.53 53.27 34 8.57 21.08 30.86 38.23 54.24 35 8.69 21.74 31.47 38.96 55.24 36 8.82 22.43 32.11 39.71 56.27 37 8.97 23.16 32.78 40.50 57.34 38 9.13 23.93 33.48 41.31 58.44 39 9.31 24.75 34.21 42.16 59.58 40 • 9.51 25.62 34.98 43.04 60.76 41 9.72 26.54 35.79 43.96 61.98 42 9.95 27.52 36.64 44.91 63.24 43 10.21 28.56 37.53 45.91 64.55 44 10.51 29.67 38.47 46.96 65.91 45 10.84 30.84 39.47- 48.06 67.31 46 11.23 32.09 40.53 49.21 68.77 47 11.65 33.43 41.65 50.41 70.29 48 12.14 34.85 42.83 51.68 71.86 49 12.72 36.36 44.09 53.01 73.50 50 13.38 37.97 45.43 54.40 75.19 51 14.12 39.68 46.86 55.87 76.94 52 14.94 41.51 48.38 57.42 78.77 53 15.86 43.46 50.01 59.05 80.66 54 16.89 45.54 51.75 60.78 82.63 55 18.03 47.76 53.61 62.61 84.69 56 19.31 50.13 55.61 64.55 86.83 57 20.71 52.66 57.76 66.62 89.06 58 22.27 55.37 60.07 68.82 91.41 59 24.00 58.27 62.57 71.18 93.86 60 25.92 61.36 65.25 73.70 96.44 61 28.04 64.68 62 30.38 68.23 63 32.95 72.04 64 35.80 76.11 65 38.96 80.48 216 AMER. EXP. NET PREMIUMS 3% FULL PRELIMINARY TERM ENDOWMENTS First Year RENEWAL PREMIUMS Premiums 20 Year 15 Year lo Year Age All Forms End. End. End. 20 7.58 43.26 61.08 99.40 21 7.63 43.31 61.11 99.42 22 7.68 43.35 61.15 99.45 23 7.7Z 43.40 61.18 99.48 24 7.7d> 43.45 61.23 99.52 25 7.83 43.51 61.27 99.55 26 7.89 43.57 61.32 99.59 27 7.96 43.64 61.37 99.63 28 8.02 43.72 61.43 99.68 29 8.10 43.80 61.50 99.73 30 8.18 43.89 61.56 99.78 31 8.26 43.99 61.64 99.84 32 8.36 44.10 61.72 99.90 33 8.46 44.22 61.82 99.97 34 8.57 44.36 61.92 100.05 35 8.69 44.51 62.03 100.13 36 8.82 44.69 62.16 100.22 37 8.97 44.88 62.30 100.33 38 9.13 45.10 62.46 100.44 39 9.31 45.34 62.64 100.57 40 9.51 45.62 62.84 100.71 41 9.72 45.93 63.06 100.87 42 9.95 46.28 63.32 101.05 43 10.21 46.68 63.61 101.26 44 10.51 47.12 63.94 101.49 45 10.84 47.62 64.31 101.76 46 11.23 48.18 64.74 102.07 47 11.65 48.81 65.21 102.41 - 48 12.14 49.51 65.75 102.81 49 12.72 50.29 66.34 103.25 50 13.38 51.16 67.01 103.74 51 14.12 52.13 67.75 104.29 52 14.94 53.20 68.58 104.91 53 15.86 54.40 69.50 105.59 54 16.89 55.72 70.53 106.35 55 18.03 57.18 71.67 107.20 56 19.31 58.80 72.93 108.15 57 20.71 60.58 74.34 109.19 58 22.27 62.55 75.90 110.36 59 24.00 64.71 77.63 111.66 60 25.92 67.10 79.55 113.10 217 ^P^ NET PREMIUMS 3% Per $i,ooo of Insurance, increasing by a similar Amount Yearly, and terminating entirely at end of period. Mortuary or Increasing Additions FULL LEVEL PREMIUMS Age 20 Yrs. 15 Yrs. 10 Yrs. 20 78.00 59.30 40.96 21. 79.01 59.89 41.29 22 80.10 60.54 41.64 23 81.30 61.24 42.02 24 82.61 62.00 42.44 25 84.06 62.84 42.89 26 85.65 63.75 43.36 27 87.42 64.75 43.89 28 89.39 65.85 44.46 29 91.59 67.05 45.09 30 94.06 68.37 45.77 31 96.86 69.84 46.53 32 100.00 71.48 47.36 33 - 103.54 73.31 48.27 34 107.50 75.36 49.27 35 111.95 77.68 50.38 36 116.93 80.31 51.61 37 122.48 83.28 52.99 38 128.66 86.63 54.53 39 135.52 90.40 56.28 40 143.11 94.64 58.27 41 151.51 99.38 60.54 42 160.77 104.68 63.11 43 170.96 110.59 66.03 44 182.12 117.14 69.31 45 194.32 124.40 73.00 46 207.64 132.42 77.12 47 222.13 141.27 81.73 48 237.85 150.99 86.85 49 254.84 161.66 92.53 50 273.14 173.32 98.80 51 292.78 186.07 105.73 52 313.75 199.96 113.37 53 335.97 215.06 121.78 54 359.34 231.44 131.00 55 ,^ 383.74 249.15 141.11 56 409.08 268.23 152.20 57 435.24 288.69 164.32 58 462.17 310.47 177.54 59 489.81 333.48 191.96 60 518.09 357.62 207.62 218 AMER. EXP. TERMINAL RESERVES 3% Ordinary Life ^^ FULL PRELIMINARY TERM YEARS Age I 3 3 4 5 20 0.00 7.36 14.95 22.78 30.86 21 0.00 7.65 15.54 23.68 32.07 22 0.00 7.95 16.15 24.61 33.34 23 0.00 8.27 16.80 25.59 34.66 24 0.00 8.60 17.47 26.61 36.04 25 0.00 8.94 18.17 27.68 37.48 26 0.00 9.31 18.90 28.79 38.93 27 0.00 9.69 19.67 29.95 40.56 28 0.00 10.08 20.47 31.17 42.20 29 0.00 10.49 21.31 32.45 43.92 30 0.00 10.93 22.19 33.78 45.72 31 0.00 11.39 23.11 35.17 47.60 32 0.00 11.85 24.06 36.63 49.56 33 0.00 12.35 25.08 38.16 51.62 34 0.00 12.88 26.13 39.76 53.77 35 0.00 13.42 27.23 41.42 56.00 36 0.00 14.00 28.38 43.16 58.33 37 0.00 14.58 29.57 44.96 60.77 38 0.00 15.21 30.83 46.87 63.32 39 0.00 15.86 32.14 48.85 65.99 40 0.00 16.55 33.53 50.94 68.78 41 0.00 17.26 34.97 53.11 71.68 42 0.00 18.02 36.47 55.37 74.68 43 0.00 18.79 38.03 57.70 77.78 44 0.00 19.61 39.65 60.12 80.98 45 0.00 20.44 41.32 62.60 84.24 46 0.00 21.31 43.03 65.13 87.56 47 0.00 22.20 44.77 67.70 90.94 48 0.00 23.09 46.53 70.30 94.36 49 0.00 24.00 48.33 72.96 97.86 50 0.00 24.93 50.17 75.68 101.43 51 0.00 25.88 52.05 78.45 105.06 52 0.00 26.86 53.97 81.28 108.75 53 0.00 27.85 55.92 84.15 112.51 54 0.00 28.87 57.91 87.08 116.33 55 0.00 29.90 59.94 90.06 120.21 56 0.00 30.96 62.01 93.09 124.13 57 0.00 32.04 64.11 96.15 128.10 58 0.00 33.13 66.23 99.24 132.09 59 0.00 34.23 68.37 102.35 136.11 60 0.00 35.35 70.53 105.48 140.15 61 0.00 36.47 72.71 108.64 144.18 62 0.00 37.61 74.90 111.79 148.19 63 . 0.00 38.75 77.07 114.90 152.14 64 0.00 39.87 79.22 117.96 156.01 65 0.00 40.98 81.34 120.96 159.80 219 AMER. EXP. TERMINAL RESERVES 3% Ordinary Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 39.20 47.79 56.65 65.79 75.21 21 40.73 49.66 58.86 68.35 78.12 22 42.33 51.61 61.17 71.02 81.17 23 44.01 53.64 63.57 73.81 84.36 24 45.76 55.77 66.09 76.72 87.67 25 47.58 57.99 68.71 79.75 91.12 26 49.49 60.31 71.45 82.92 94.73 27 51.48 62.73 74.31 86.23 98.49 28 53.56 65.25 77.29 89.68 102.42 29 55.73 67.90 80.41 93.28 106.50 30 58.01 70.66 83.66 97.03 110.76 31 60.39 73.54 87.05 100.94 115.19 32 62.87 76.53 90.58 105.00 119.81 33 65.46 79.67 94.27 109.25 124.63 34 68.16 82.94 98.11 113.68 129.65 35 70.97 86.34 102.12 118.29 134.86 36 - 73.91 89.90 106.30 123.09 140.29 37 76.98 93.61 110.65 128.09 145.91 38 80.20 97.48 115.18 133.27 151.74 39 83.54 101.52 119.88 138.64 157.76 40 87.04 105.70 124.76 144.19 163.95 41 90.65 110.03 129.79 149.88 170.28 42 94.40 114.50 134.94 155.70 176.75 43 98.25 119.07 140.21 161.64 183.34 44 102.20 123.74 145.59 167.70 190.06 45 106.21 128.50 151.05 173.86 196.87 46 110.31 133.34 156.62 180.11 203.78 47 114.47 138.25 162.26 186.44 210.77 48 118.69 143.24 167.98 192.86 217.85 49 122.99 148.31 173.78 199.36 225.01 50 \27.Z7 153.47 179.67 205.96 232.27 51 131.82 158.70 185.66 212.64 239.59 52 136.35 164.02 191.72 219.39 246.98 53 140.95 169.41 197.84 226.19 254.41 54 145.61 174.86 204.02 233.05 261.90 55 150.33 180.36 210.25 239.95 269.41 56 155.09 185.91 216.52 246.89 276.91 57 159.90 191.49 222.82 253.81 284.39 58 164.73 197.10 229.11 260.70 291.81 59 169.58 202.69 2ZSZ7 267.54 299.13 60 174.43 208.26 241.58 274.29 306.35 61 179.25 213.79 247.70 280.94 313.42 62 184.03 219.23 253.72 287.43 320.35 63 188.71 224.55 259.59 293.78 327.18 64 193.29 229.74 265.31 300.06 334.07 65 197.75 234.81 270.99 306.41 341.17 220 AMER exp!^ terminal reserves 3% Ordinary Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 84.91 94.91 105.22 115.83 126.75 21 88.20 98.58 109.27 120.27 131.61 22 91.64 102.40 113.49 124.91 136.66 23 95.21 106.39 117.90 129.74 141.92 24 98.94 110.55 122.49 134.77 147.39 25 102.83 114.87 127.26 139.99 153.07 26 106.88 119.38 132.23 145.43 158.98 27 111.11 124.08 137.40 151.08 165.13 28 115.51 128.96 142.78 156.96 171.52 29 120.10 134.05 148.38 163.08 178.16 30 124.87 139.35 154.21 169.45 185.05 31 129.83 144.86 160.27 176.05 192.20 32 135.01 150.60 166.56 182.90 199.60 33 140.40 156.56 173.10 190.00 207.26 34 146.01 162.76 179.87 197.35 215.16 35 151.83 169.17 186.87 204.92 223.28 36 157.86 175.81 194.11 212.71 231.60 37 164.11 182.67 201.54 220.70 240.12 38 170.57 189.72 209.16 228.88 248.84 39 177.20 196.95 216.97 237.23 257.72 40 184.01 204.35 224.94 245.76 266.77 41 190.96 211.90 233.07 254.44 275.96 42 198.06 219.60 241.34 263.24 285.27 43 205.28 227.42 249.72 272.16 294.69 44 212.62 235.35 258.22 281.18 304.22 45 220.06 243.38 266.80 290.30 313.81 46 227.59 251.51 275.49 299.49 323.47 47 235.21 259.71 284.24 308.74 333.17 48 242.91 267.99 293.05 318.04 342.91 49 250.69 276.34 301.92 327.38 352.68 50 258.55 284.76 310.84 336.76 362.46 51 266.47 293.22 319.80 346.16 372.23 52 274.44 301.73 328.79 355.55 381.96 53 282.46 310.26 337.76 364.90 391.62 54 290.50 318.79 346.70 374.19 401.19 . 55 298.53 327.28 355.59 383.38 410.62 56 306.54 335.72 364.38 392.46 419.90 57 314.50 344.07 373.05 401.37 429.02 58 322.36 352.29 381.55 410.12 438.02 59 330.10 360.36 389.90 418.76 477.00 60 337.69 368.28 398.16 427.39 456.09 61 345.13 376.10 406.41 436.16 465.41 62 352.49 383.95 414.81 445.18 475.11 63 359.87 391.95 423.49 454.59 485.26 64 367.43 400.25 432.61 464.51 495.93 65 375.35 409.05 442.27 475.00 507.24 221 ^^ TERMINAL RESERVES 0% Ordinary Life FULL PRELIMINARY TERM YEARS Age i6 17 i8 19 20 ■21 20 138.00 149.57 161.47 173.70 186.27 199.17 21 143.26 155.25 167.57 180.24 193.23 206.58 22 148.74 161.16 173.92 187.02 200.47 214.27 23 154.44 167.30 180.50 194.06 207.98 222.25 24 160.36 173.67 187.34 201.37 215.77 230.50 25 166.50 180.29 194.44 208.96 223.83 239.05 26 172.90 187.18 201.82 216.82 232.18 247.87 27 179.54 194.32 209.46 224.97 240.81 256.99 28 186.44 201.73 217.39 233.38 249.72 266.38 29 193.61 209.42 225.58 242.08 258.90 276.02 30 201.04 217.37 234.05 251.05 268.34 285.90 31 208.72 225.58 242.77 260.25 278.00 296.00 32 216.66 234.05 251.73 269.69 287.90 306.33 33 224.86 242.76 260.93 279.35 298.00 316.86 34 233.28 251.68 270.34 289.22 - 308.32 327.58 35 241.92 260.82 279.95 299.29 318.81 338.48 36 250.76 270.15 289.76 309.54 329.48 349.53 37 259.79 279.68 299.74 319.96 340.29 360.72 38 269.02 289.38 309.89 330.53 351.26 372.04 39 278.40 299.23 320.19 341.24 362.34 383.47 40 287.94 309.24 330.62 352.07 373.54 394.98 41 297.61 319.36 341.17 363.00 384.80 406.55 42 307.40 329.59 351.80 374.00 396.12 418.14 43 317.29 339.91 362.51 385.04 407.47 429.75 44 327.27 350.30 373.26 396.12 418.83 441.35 45 337.30 360.73 384.04 407.21 430.18 452.90 46 347.39 371.19 394.84 418.29 441.48 464.37 47 • 357.49 381.66 405.62 429.32 452.70 475.73 48 367.62 392.13 416.36 440.28 463.83 486.96 49 m.ye 402.57 427.05 451.16 474.83 498.04 50 387.88 412.96 437.67 461.92 485.69 508.93 51 397.96 423.29 448.17 472.55 496.37 519.63 52 407.97 433.50 458.53 482.99 506.87 530.19 53 417.87 443.58 468.72 493.26 517.22 540.68 54 427.64 453.50 478.74 503.39 527.52 551.19 55 437.25 463.24 488.63 513.47 537.85 561.83 56 446.70 472.86 498.48 523.60 548.32 572.69 57 456.02 482.45 508.38 533.89 559.04 583.83 58 465.32 492.11 518.46 544.44 570.05 595.28 59 474.71 501.96 528.83 555.32 581.42 607.12 60 484.31 512.13 539.56 566.58 593.19 618.17 61 494.25 522.68 550.70 578.28 605.22 631.56 62 504.62 533.69 562.32 590.28 617.61 644.45 63 515.47 545.22 574.27 602.67 630.55 658.19 64 526.88 557.10 586.65 615.66 644.41 673.03 65 538.71 569.49 599.70 629.64 659.45 688 84 222 AMER. EXP. TERMINAL RESERVES 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 17.31 35.23 53.79 73.00 21 0.00 17.66 35.93 54.84 74.43 22 0.00 17.99 36.61 55.89 75.86 23 0.00 18.34 37.34 56.99 77.35 24 0.00 18.71 38.08 58.13 78.89 25 0.00 19.09 38.84 59.30 80.47 26 0.00 19.48 39.64 60.50 82.10 27 0.00 19.88 40.45 61.74 83.77 28 0.00 20.29 41.28 63.01 85.50 29 0.00 20.71 42.15 64.33 87.26 30 0.00 21.16 43.04 65.67 89.09 31 0.00 21.61 43.95 67.05 90.96 32 0.00 22.06 44.88 68.48 92.88 33 0.00 22.54 45.85 69.95 94.86 34 0.00 23.04 46.85 71.46 96.89 35 0.00 23.54 47.87 73.00 98.96 36 0.00 24.06 48.91 74.58 101.09 V 0.00 24.59 49.98 76.20 103.27 38 0.00 25.14 51.09 77.88 105.53 39 0.00 25.70 52.22 79.59 107.84 40 0.00 26.29 53.40 81.37 110.20 41 0.00 26.88 54.61 83.18 112.63 42 0.00 27.51 55.84 85.04 115.09 43 0.00 28.13 57.10 86.92 117.59 44 0.00 28.79 58.39 88.83 120.12 45 0.00 29.43 59.69 90.76 122.64 46 0.00 30.10 61.00 92.68 125.14 47 0.00 30.77 62.30 94.58 127.63 48 0.00 31.42 63.58 96.46 130.09 49 0.00 32.08 64.86 98.34 132.54 50 0.00 32.73 66.14 100.23 134.98 51 0.00 33.39 67.43 102.10 137.41 52 0.00 34.06 68.71 103.97 139.82 53 0.00 34.72 70.00 105.82 142.20 54 0.00 35.39 71.28 107.68 144.59 55 0.00 36.05 72.57 109.54 146.96 56 0.00 36.73 73.87 111.40 149.32 57 O.fX) 37.42 75.17 113.25 151.64 58 0.00 38.10 76.47 115.08 153.93 59 0.00 38.78 77.76 116.90 156.20 60 0.00 39.47 79.04 118.71 158.45 223 AMER. EXP TERMINAL RESERVES 0% 20 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 io 20 92.91 113.52 134.86 156.97 179.86 21 94.71 115.71 137.46 159.99 183.31 22 96.53 117.93 140.10 163.05 186.82 23 98.42 120.24 142.83 166.23 190.45 24 100.37 122.62 145.65 169.50 194.18 25 102.38 125.07 148.55 172.86 198.02 26 104.45 127.59 151.53 176.32 20198 27 106.57 130.17 154.59 179.87 206.03 28 108.75 132.82 157.74 183.51 210.19 29 111.00 135.56 160.97 187.26 214.45 30 113.31 138.37 164.29 191.10 218.83 31 115.68 141.25 167.68 195.02 223.30 32 118.11 144.19 171.16 199.04 227.87 33 120.61 147.23 174.73 203.17 232.57 ~M 123.17 150.33 178.39 207.40 237.38 35 125.78 153.50 182.13 211.72 242.28 36 128.47 156.76 185.97 216.14 247.30 37 131.23 160.10 189.89 220.66 252.40 38 134.07 163.52 193.91 225.26 257.59 39 136.97 167.02 197.99 229.93 262.85 40 139.94 170.58 202.15 234.67 268.15 41 142.96 174.20 206.36 239.44 273.47 42 146.03 177.86 210.59 244.22 278.80 43 149.13 181.53 214.81 , 248.99 284.10 44 152.24 185.20 219.03 253.74 289.37 45 155.33 188.85 223.21 258.45 294.59 46 158.40 192.47 227.36 263.11 299.74 47 161.45 196.06 231.47 267.71 304.81 48 164.46 199.59 235.50 272.21 309.76 49 167.45 203.09 239.48 276.64 314.64 50 170.42 206.56 243.41 281.02 319.42 51 173.36 209.97 247.27 285.28 324.07 52 176.27 213.35 251.07 289.47 328.60 53 179.15 216.67 254.79 293.54 332.98 54 182.01 219.94 258.43 297.50 337.22 55 184.83 223.16 261.98 301.35 341.32 56 187.61 226.31 265.45 305.07 345.22 57 190.35 229.39 268.81 308.62 348.92 58 193.04 232.40 272.03 312.00 352.38 59 195.67 235.30 275.12 315.18 355.57 60 198.23 238.09 278.04 318.13 358.47 224 AMER. EXP. 1 TERMINAL RESERVES 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 203.57 228.14 253.59 279.94 307.25 21 207.47 232.50 258.42 285.27 313.09 22 211.43 236.93 263.33 290.68 319.02 23 215.53 241.51 268.41 296.28 325.14 24 219.75 246.22 273.63 302.03 331.42 25 224.09 251.05 278.98 307.90 337.85 26 228.54 256.04 284.51 313.98 344.49 27 233.11 261.13 290.14 320.16 351.26 28 237.79 266.35 295.91 326.51 358.19 29 242.59 271.70 301.83 333.01 365.29 30 247.51 277.19 307.89 339.67 372.56 31 252.54 282.79 314.09 346.46 379.96 32 257.69 288.52 320.41 353.40 387.51 33 262.97 294.39 326.89 360.47 395.20 34 268.36 300.38 333.47 367.67 403.01 35 273.86 306.47 340.16 374.96 410.91 36 279.46 312.67 346.96 382.35 418.88 37 285.15 318.95 353.82 389.79 426.91 38 290.94 325.31 360.74 397.29 435.00 39 296.76 331.69 367.68 404.80 443.08 40 302.61 338.09 374.64 412.31 451.17 41 308.48 344.51 381.61 419.83 459,24 42 314.34 350.91 388.53 427.29 467.25 43 320.17 357.25 395.40 434.67 475.17 44 325.95 363.54 402.18 441.97 483.00 45 331.67 369.74 408.88 449.16 490.70 46 337.29 375.83 415.44 456.20 498.24 47 342.82 381.82 421.88 463.10 505.61 48 348.23 387.65 428.14 469.78 512.75 49 353.52 393.35 434.22 476.28 519.68 50 358.68 398.88 440.12 482.56 526.37 51 363.68 404.21 445.79 488.57 532.74 52 368.53 409.37 451.25 494.33 538.84 53 373.20 414.31 456.43 499.77 544.57 54 377.69 419.01 461.33 504.88 549.92 55 381.98 423.46 • 465.94 509.64 554.88 56 386.03 427.62 470.17 513.97 559.35 57 389.81 431.43 474.00 517.83 563.30 58 393.28 434.87 477.40 521.19 566.76 59 396.42 437.90 480.32 524.08 569.74 60 399.19 440.51 482.80 526.53 572.31 225 "exr terminal reserves 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age i6 17 18 19 30 20 335.56 364.88 395.27 426.77 459.42 21 341.91 371.77 402.71 434.78 468.00 22 348.37 378.78 410.29 442.94 476.80 23 355.03 386.00 418.09 451.35 485.83 24 361.87 393.42 426.10 459.97 495.10 25 368.87 401.00 434.29 468.80 504.59 26 376.09 408.83 442.75 477.89 514.30 27 383.45 416.80 451.35 487.14 524.23 28 391.00 424.97 460.15 496.60 534.37 29 398.71 433.31 469.14 506.25 544.70 30 406.60 441.83 478.31 516.09 555.22 31 414.62 450.50 487.63 526.08 565.89 32 422.79 459.30 497.08 536.19 576.71 33 431.11 468.25 506.67 546.45 587.67 34 - 439.54 477.30 516.37 556.82 598.74 35 448.04 486.43 526.14 567.27 609.92 36 456.62 495.63 536.00 577.81 621.18 37 465.26 504.89 545.91 588.40 632.51 38 473.94 514.20 555.86 599.05 643.89 39 482.62 523.48 565.80 609.68 655.30 40 491.28 532.76 575.72 620.31 666.72 41 499.93 542.02 585.64 630.95 678.13 42 508.51 551.21 595.48 641.51 689.51 43 517.00 560.30 605.22 651.98 700.83 44 525.38 569.27 614.85 662.36 712.08 45 533.63 578.11 624.35 672.62 723.24 46 541.69 586.75 633.66 682.70 734.27 47 549.58 595.22 642.80 692.65 745.16 48 557.22 603.42 651.66 702.32 755.89 49 564.63 611.38 660.30 711.79 766.42 50 571.77 619.08 668.66 721.00 776.73 51 578.57 626.39 676,63 729.86 786.82 52 585.06 633.38 684.30 738.44 796.67 53 591.16 639.96 691.54 746.65 806.28 54 596.83 646.10 698.37 754.52 815.70 55 602.08 651.80 704.80 762.09 824.93 56 606.80 657.00 710.80 769.32 834.01 57 611.02 661.72 716.38 776.24 842.97 58 614.75 666.00 721.58 782.89 851.80 59 618.03 669.86 726.41 789.23 860.49 60 620.91 673.33 730.84 795.24 869.06 226 ^^l^ TERMINAL RESERVES 0% 15 Payment Life FULL PRELIMINARY TERM YEARS 1 Age I 2 3 4 5 20 0.00 23.52 47.88 73.13 99.30 21 0.00 23.94 48.74 74.44 101.07 22 0.00 24.37 49.62 75.79 102.91 23 0.00 24.82 50.54 77.19 104.80 24 0.00 25.29 51.48 78.63 106.75 25 0.00 25.76 52.45 80.10 108.75 26 0.00 26.25 53.44 81.61 110.81 27 . 0.00 26.76 54.47 83.17 112.92 28 0.00 27.27 55.52 84.78 115.09 29 0.00 27.80 56.60 86.43 117.33 30 0.00 28.36 57.72 88.13 119.63 31 0.00 28.92 58.86 89.87 121.98 32 0.00 29.49 60.03 91.65 124.40 33 0.00 30.09 61.24 93.49 . 126.88 34 0.00 30.70 62.48 95.37 129.42 35 0.00 31.32 63.74 97.29 .132.01 36 0.00 31.96 65.03 99.25 134.66 37 0.00 32.61 66.35 101.25 137.37 38 0.00 33.28 67.70 103.31 140.14 39 0.00 33.96 69.08 105.41 142.98 40 0.00 34.66 70.51 107.56 145.88 41 0.00 35.38 71.96 109.75 148.82 42 0.00 36.11 73.43 111.98 151.80 43 0.00 36.86 74.93 114.23 154.81 44 0.00 37.62 76.44 116.51 157.84 45 0.00 38.38 77.96 118.78 160.84 46 0.00 39.15 79.48 121.04 163.83 47 0.00 39.91 80.99 123.26 166.77 48 0.00 40.65 82.46 125.44 169.65 49 0.00 41.39 83.90 127.59 172.50 50 0.00 42.11 85.33 129.71 175.29 51 0.00 42.82 86.73 131.78 178.02 52 0.00 43.52 88.10 133.80 180.67 53 0.00 44.20 89.44 135.76 183.23 54 0.00 44.87 90.73 137.66 185.72 55 0.00 45.51 91.99 139.50 188.11 56 0.00 46.14 93.22 141.27 190.39 57 0.00 46.75 94.39 142.96 192.55 58 0.00 47.34 95.50 144.55 194.57 59 0.00 47.90 96.56 146.05 196.47 60 0.00 48.43 97.55 147.45 198.22 227 AMER. EXP. 1 TERMINAL RESERVES 3% 15 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 . 8 9 lO 20 126.42 154.52 183.65 213.84 245.14 21 128.67 157.28 186.93 217.66 249.52 22 131.01 160.13 190.31 221.60 . 254.03 23 133.41 163.06 193.79 225.65 258.67 24 135.88 166.08 197.38 229.82 263.44 25 138.42 169.19 201.06 234.10 268.34 26 141.04 172.38 204.85 238.50 273.39 27 143.73 175.66 208.74 243.02 278.56 28 146.49 179.02 212.74 247.67 283.88 29 149.33 182.48 216.85 252.44 289.33 30 152.26 186.05 221.07 257.34 294.91 31 155.24 189.70 225.38 262.35 300.64 32 158.31 193.43 229.79 267.47 306.50 33 161.45 197.25 234.32 272.72 312.50 34- 164.67 201.16 238.95 278.10 318.65 35 167.95 205.16 243.68 283.59 324.92 36 171.30 209.24 248.52 289.19 331.30 37 174.74 213.42 253.45 294.90 337.80 38 178.26 217.68 258.49 300.71 344.41 39 181.83 222.02 263.59 306.60 351.10 40 185.48 226.44 268.79 312.58 357.87 41 189.18 230.90 274.02 318.59 364.66 42 192.93 235.41 279.29 324.62 371.48 43 196.70 239.93 284.55 330.65 378.30 44 200.46 244.43 289.81 336.66 385.09 45 204.20 248.90 295.02 342.63 391.82 46 207.91 253.33 300.19 348.54 398.51 47 211.56 257.71 305.28 3.54.37 405.09 48 215.15 262.00 310.28 360.09 411.56 49 218.68 266.21 315.17 365.69 417.91 50 222.13 270.32 319.96 371.17 424.10 51 225.50 274.33 324.62 376.49 430.12 52 228.77 278.22 329.13 381.64 435.94 53 231.94 281.97 333.47 386.58 441.52 54 234.98 285.57 337.61 391.29 446.86 55 237.89 288.98 341.54 395.76 451.91 56 240.66 292.22 345.26 399.98 456.66 57 243.26 295.26 348.71 403.87 461.05 58 245.70 298.07 351.89 407.44 465.07 58 247.94 300.63 354.76 410.64 468.64 60 249.98 302.92 357.29 413.42 471.75 228 "exp!^ terminal reserves 2% 15 Payment Life FULL PRELIMINARY TERM YEARS Age II 12 13 14 15 20 277.59 311.25 346.14 382.33 419.88 21 282.56 316.80 352.30 389.13 427.36 22 287.66 322.52 358.67 396.16 435.04 2Z 292.90 328.39 365.19 403.36 442.95 24 298.30 334.44 371.91 410.78 451.08 25 303.84 340.65 378.81 418.38 459.42 26 309.54 347.03 385.89 426.20 468.00 27 315.40 353.57 393.16 434.21 476.80 28 321.39 360.28 400.60 442.43 485.83 ,29 327.55 367.18 408.27 450.88 495.10 30 ., 333.88 374.25 416.12 459.55 504.59 31 340.34 381.49 424.15 468.40 514.30 32 346.95 388.89 432.36 477.45 524.23 33 353.73 396.46 440.77 486.71 534.37 34 360.66 404.21 449.34 496.15 544.70 35 Z67.72 412.09 458.07 505.76 555.22 36 374.91 420.10 466.94 515.51 565.89 Z7 382.23 428.26 475.95 525.40 576.71 38 389.66 436.52 485.06 535.41 587.67 39 397.16 444.84 494.26 545.51 598.74 40 404.73 453.25 503.54 555.72 609.92 41 412.33 461.69 512.86 565.97 621.18 42 419.96 470.17 522.22 576.28 632.51 43 427.59 478.64 531.59 586.61 643.89 44 435.18 487.08 540.94 596.93 655.30 45 442.73 495.48 550.24 607.24 666.72 46 450.21 503.81 559.51 617.52 678.13 47 457.60 512.06 568.68 627.73 689.51 48 464.86 520.18 577.74 637.84 700.83 . 49 471.99 528.15 586.65 647.83 712.08 50 478.95 535.95 595.40 657.68 723.24 51 485.72 543.56 603.97 667.36 734.27 52 492.27 550.94 612.31 676.85 745.16 53 498.57 558.06 620.39 686.11 755.89 54 504.60 564.88 628.18 695.10 766.42 55 510.30 571.39 635.66 703.82 776.7Z 56 515.68 577.51 642.75 712.18 786.82 57 520.66 583.22 649.44 720.19 796.67 58 525.22 588.50 655.70 727.84 806.28 59 529.29 593.27 661.47 735.09 815.70 60 532.85 597.51 666.77 752.00 824.93 229 ^1^ TERMINAL RESERVES 3% 10 Payment Life FULL PRELIMINARY TERM ^EARS Age I 2 3 4 5 20 0.00 36.87 75.10 114.75 155.87 21 0.00 37.48 76.35 116.66 158.46 22 0.00 38.11 77.64 118.63 161.14 23 0.00 38.77 78.97 120.67 163.91 24 0.00 39.45 80.34 122.77 166.76 25 0.00 40.14 81.76 124.93 169.68 26 0.00 40.85 83.21 127.14 172.69 27 0.00 41.58 84.70 129.42 175.80 28 0.00 42.34 86.24 131.77 178.99 29 0.00 43.12 87.83 134.19 182.27 30 0.00 43.92 89.46 136.68 185.64 31 0.00 44.74 91.13 139.22 189.10 32 0.00 45.58 92.84 141.84 192.66 33 0.00 46.45 94.61 144.54 196.31 34 - 0.00 47.34 96.41 147.30 200.05 35 0.00 48.25 98.26 150.11 203.87 36 0.00 49.18 100.15 152.99 207.79 37 0.00 50.13 102.08 155.94 211.79 38 0.00 51.10 104.06 158.96 215.89 39 0,00 52.09 106.07 162.04 220.06 40 0.00 53.11 108.14 165.19 224.33 41 0.00 54.14 110.25 168.39 228.68 42 0.00 55.20 112.39, 171.65 233.08 43 0.00 56.27 114.56 174.95 237.54 44 0.00 57.36 116.76 178.28 242.03 45 0.00 58.45 118.96 181.63 246.54 46 0.00 59.55 121.18 184.97 251.04 47_ 0.00 60.65 123.38 188.29 255.51 48 0.00 61.72 125.55 191.57 259.95 49 0.00 62.78 127.68 194.82 264.35 50 0.00 63.83 129.80 198.04 268.70 51 0.00 64.86 131.88 201.19 272.98 52 0.00 65.87 133.91 204.28 277.16 53 0.00 66.85 135.89 207.28 281.25 54 0.00 67.80 137.80 210.19 285.22 55 0.00 68.71 139.64 213.00 289.04 56 0.00 69.58 141.41 215.69 292.71 57 0.00 70.41 143.08 218.24 296.19 58 0.00 71.19 144.64 220.62 299.46 59 0.00 71.90 146.08 222.82 302.51 60 0.00 72.55 147.39 224.83 305.30 230 AMER. EXP. TERMINAL RESERVES 3% 10 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 198.52 242.75 288.64 336.26 385.64 21 201.82 246.80 293.45 341.86 392.09 22 205.23 250.97 298.42 347.65 398.73 23 208.75 255.27 303.54 353.61 405.58 24 . 212.38 259.71 308.81 359.76 412.63 25 216.11 264.28 314.24 366.08 419.88 26 219.95 268.97 319.82 372.59 427.36 27 223.90 273.80 325.56 379.29 435.04 28 227.96 278.77 331.47 386.18 442.95 29 232.14 283.88 337.56 393.26 451.07 30 236.44 289.13 343.80 400.53 459.42 31 240.85 294.52 350.21 408.01 468.00 32 245.37 300.05 356.79 415.67 476.80 33 250.01 305.73 363.53 423.54 485.83 34 254.78 311.54 370.45 431.60 495.10 35 259.65 317.49 377.53 439.86 504.59 36 264.63 323.58 384.78 448.31 514.30 37 269.72 329.82 392.20 456.96 524.23 38 274.93 336.19 399.78 465.79 534.37 39 280.25 342.69 407.50 474.79 544.70 40 285.67 349.31 415.35 483.94 555.22 41 291.18 356.03 423.34 493.24 565.89 42 296.77 362.85 431.42 502.65 576.71 43 302.43 369.73 439.58 512.17 587.67 44 308.11 376.65 447.80 521.76 598.74 45 313.81 383.59 456.07 531.43 609.92 46 319.51 390.56 464.36 541.15 621.18 47 325.19 397.51 472.66 550.91 632.51 48 330.84 404.42 480.94 560.65 643.89 49 336.44 411.30 489.18 570.39 655.30 50 341.98 418.11 497.38 580.11 666.72 51 347.44 424.85 505.50 589.78 678.13 52 352.80 431.47 513.52 599.36 689.51 53 358.04 437.97 521.42 608.84 700.83 54 363.14 444.31 529.15 618.19 712.08 55 368.07 450.47 536.71 627.39 723.24 56 372.81 456.42 544.07 636.41 734.27 57 377.33 462.13 551.18 645.21 745.16 .58 . 381.60 467.56 558.00 653.75 755.89 59 385.60 472.69 564.53 662.02 766.42 60 389.29 477.47 570.67 669.97 776.7Z 231 "^exp!^ terminal reserves 3% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age I a 3 4 5 20 0.00 37.00 75.36 115.14 156.40 21 0.00 36.99 75.35 115.13 156.38 22 0.00 36.99 75.34 115.12 156.36 23 0.00 36.99 75.33 115.11 156.34 24 0.00 36.99 75.33 115.10 156.33 25 0.00 36.99 75.33 115.09 156.32 26 0.00 36.99 75.33 115.09 156.31 27 0.00 36.99 75.33 115.09 156.31 28 0.00 36.99 75.33 115.09 156.31 29 0.00 37.00 75.34 115.10 156.31 30 0.00 37.01 75.35 115.11 156.32 31 0.00 37.02 75.37 115.13 156.34 32 0.00 37.03 75.40 115.16 156.37 33 0.00 37.05 75.43 115.20 156.41 34 0.00 37.07 75.47 115.25 156.46 35 0.00 37.10 75.52 115.31 156.53 36 0.00 37.14 75.58 115.39 156.62 37 0.00 . 37.18 75.65 115.49 156.73 38 0.00 37.23 75.74 115.61 156.88 39 0.00 37.29 75.85 115.76 157.07 40 0.00 37.36 75.98 115.94 157.30 41 0.00 37.45 76.14 116.16 157.57 42 0.00 37.55 76.33 116.42 157.87 43 0.00 37.66 76.54 116.69 158.19 44 0.00 37.78 7(i.7~7 116.98 158.53 45 0.00 37.92 77.02 117.29 158.88 46 0.00 38.07 77.29 117.62 159.24 47 0.00 38.23 77.56 117.96 159.60 48 0.00 38.39 77.83 118.30 159.96 49 0.00 38.55 78.11 118.66 160.34 50 0.00 38.72 78.41 119.03 160.74 51 0.00 38.90 78.73 119.44 161.17 52 0.00 39.10 79.08 119.87 161.63 53 0.00 39.31 79.45 120.34 162.12 54 0.00 39.54 79.85 120.86 162.66 55 0.00 39.80 80.29 121.43 163.26 56 0.00 40.08 80.77 122.05 163.92 57 0.00 40.38 81.29 122.71 164.64 58 0.00 40.71 81.85 123.42 165.41 59 0.00 41.06 82.45 124.18 166.24 60 0.00 41.43 83.09 124.99 167.13 232 AMER ^ TERMINAL RESERVES 3% 20 Year Endowment FULL PRELIMINARY TERM VEARS Age 6 7 8 9 10 20 199.20 243.59 289.64 337.40 386.97 21 199.17 243.55 289.59 337.35 386.90 22 199.14 243.51 289.54 337.30 386.84 23 199.12 243.48 289.50 337.25 386.78 24 199.10 243.45 289.46 337.20 386.72 25 199.08 243.42 289.42 337.15 386.66 26 199.06 243.40 289.38 337.10 386.60 27 199.05 243.38 289.35 337.05 386.54 28 199.04 243.36 289.32 337.01 386.48 29 199.04 243.35 289.30 336.97 386.42 30 199.05 243.35 289.28 336.93 386.36 31 199.06 243.35 289.27 336.90 386.30 32 199.08 243.36 289.27 336.88 386.26 33 199.11 243.38 289.28 336.87 386.23 34 199.16 243.42 289.31 336.87 386.21 35 199.23 243.48 289.36 336.90 386.21 36 199.33 243.57 289.44 336.96 386.24 37 199.46 243.70 289.56 337.05 386.30 38 199.62 243.87 289.72 337.18 386.39 39 199.82 244.08 289.91 337.34 386.49 40 200.08 244.33 290.13 337.52 386.60 41 200.36 244.61 290.37 337.71 386.70 42 200.67 244.91 290.62 337.89 386.78 43 201.01 245.22 290.88 338.05 386.84 44 201.36 245.53 291.13 338.19 ' 386.87 45 201.71 245.83 291.36 338.31 386.86 46 202.06 246.13 291.57 338.41 386.82 47 202.40 246.42 291.76 338.48 386.74 48 202.73 246.70 291.94 338.52 386.62 49 203.07 246.99 292.11 338.55 386.46 50 203.44 247.29 292.29 338.58 386.28 51 203.85 247.61 292.49 338.60 386.08 52 204.28 247.96 292.71 338.63 385.86 53 204.76 248.34 292.95 338.67 385.63 54 205.29 248.77 293.22 338.72 385.40 55 205.87 249.25 293.53 338.79 385.18 56 206.50 249.78 293.87 338.87 384.92 57 207.18 250.35 294.24 338.94 384.62 58 207.92 250.96 294.62 338.99 384.24 59 208.71 251.59 294.99 339.00 383.78 60 209.54 252.24 295.35 338.94 383.21 233 TERMINAL RESERVES ^% AMER. EXP. 20 Year Endowment FULL PRELIMINARY TERM YEARS • Age II 12 13 14 15 20 43.841 491.80 547.21 604.75 664.49 21 438.34 491.73 547.13 604.66 664.40 22 438.27 491.65 547.04 604.57 664.30 23 438.20 491.57 546.95 604.47 664.20 24 438.13 491.48 546.85 604.36 664.09 25 438.05 491.39 546.75 604.25 663.97 26 437.97 491.29 546.64 604.13 663.84 27 437.89 491.19 546.53 604.00 663.70 28 437.81 491.08 546.41 603.87 663.56 29 437.73 490.98 546.29 603.73 663.41 30 437.65 490.88 546.16 603.59 663.25 31 437.57 490.78 546.03 603.44 663.08 32 437.50 490.69 545.91 603.29 662.91 33. 437.45 490.60 545.79 603.14 662.73 34 437.42 490.52 545.67 602.98 662.54 35 437.40 490.45 545.56 602.82 662.33 36 437.40 490.39 545.46 602.65 662.09 37 437.40 490.34 545.34 602.46 661.82 38 437.41 490.30 545.19 602.22 661.52 39 437.43 490.24 545.02 601.95 661.18 40 437.44 490.15 544.82 601.65 660.79 41 437.44 490.03 544.58 601.30 660.34 42 437.41 489.87 544.29 600.88 659.82 43 437.35 489.66 543.94 600.40 659.22 44 437.25 489.40 543.53 599.84 658.53 45 437.08 489.08 543.04 599.19 657.74 46 436.85 488.69 542.47 598.45 656.86 47 436.58 488.23 541.81 597.60 655.86 48 436.26 487.70 541.06 596.64 654.73 49 435.89 487.10 540.22 595.57 653.47 50 435.48 486.44 539.29 594.40 652.09 51 435.03 485.71 538.27 593.12 650.58 52 434.54 484.92 537.16 591.71 648.92 53 434.01 484.06 535.94 590.17 647.10 54 433.44 483.14 534.68 588.49 645.10 55 432.83 482.13 533.25 586.64 642.88 56 432.17 481.01 531.65 584.57 640.39 57 431.43 479.75 529.85 582.25 637.60 58 430.58 478.32 527.82 579.65 634.50 59 429.57 476.68 525.53 576.74 631.12 60 428.38 474.81 522.97 573.59 627.49 234 AMER. EXP. TERMINAL RESERVES 3% 20 Year Endowment FULL PRELIMINARY TERM 1 YEARS Age i6 17 i8 19 20 726.54 791.00 857.98 927.60 21 726.45 790.92 857.92 927.56 22 726.36 790.83 857.85 927.52 23 726.26 790.73 857.77 927.48 24 726.15 790.62 857.68 927.43 25 726.03 790.51 857.58 927.38 26 725.90 790.39 857.48 927.32 27 725.76 790.26 857.37 927.25 28 725.61 790.13 857.26 927.18 29 725.45 789.99 857.14 927.10 30 725.28 789.83 857.00 927.01 31 725.10 789.65 856.85 926.91 32 724.91 789.46 856.68 926.79 33 724.71 789.25 856.49 926.66 34 724.49 789.01 856.28 926.52 35 724.25 788.74 856.05 926.37 36 723.98 788.44 855.79 926.20 37 723.67 788.11 855.49 926.00 38 723.32 787.74 855.15 925.78 39 722.92 787.33 854.77 925.54 40 722.47 786.87 854.35 925.27 41 721.95 786.34 853.88 924.96 42 721.35 785.74 853.34 924.61 43 720.67 785.06 852.73 924.21 44 719.90 784.28 852.04 923.76 45 719.01 783.40 851.26 923.26 46 718.01 782.42 850.39 922.70 47 716.90 781.32 849.42 922.08 48 715.67 780.08 848.34 921.38 49 714.31 778.70 847.14 920.60 50 712.81 777.18 845.81 919.74 51 711.15 775.50 844.33 918.77 52 709.31 773.65 842.69 917.70 53 707.27 771.60 840.87 916.51 54 705.03 769.34 838.87 915.19 55 702.56 766.82 836.66 913.72 56 699.80 764.01 834.19 912.08 57 696.72 760.90 831.46 910.29 58 693.34 757.51 828.46 908.34 59 689.68 753.83 825.19 906.18 60 685.76 749.85 821.65 903.78 235 ^exp!^ terminal reserves 3% 15 Year Endowment FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 0.00 55.50 113.05 172.76 234.72 21 0.00 55.48 113.03 172.73 234.68 22 . 0.00 55.46 113.01 172.70 234.64 23 0.00 55.45 112.99 172.67 234.59 24 0.00 55.44 112.97 172.63 234.54 25 0.00 55.43 112.94 172.59 234.49 26 0.00 55.42 112.91 172.55 234.44 27 0.00 55.41 112.88 172.51 234.39 28 0.00 55.39 112.85 172.47 234.33 29 0.00 55.38 112.82 172.43 234.27 30 0.00 55.37 112.79 172.39 234.21 31 0,00 55.36 112.76 172.35 234.15 32 0.00 55.34 112.73 172.30 234.09 33 0.00 55.33 112.70 172.25 234.02 34 ' 0.00 55.32 112.67 172.20 233.94 35 0.00 55.31 112.64 172.15 233.86 36 0.00 55.30 112.61 172.10 233.78 37 0.00 55.28 112.59 172.04 233.70 38 0.00 55.27 112.57 171.99 233.63 39 0.00 55.26 112.55 171.95 233.57 40 0.00 55.26 112.54 171.92 233.51 41 0.00 55.27 112.54 171.90 233.46 42 0.00 55.28 112.55 171.88 233.42 43 0.00 55.30 112.56 171.87 233.36 44 0.00 55.32 112.57 171.85 233.28 45 0.00 55.33 112.58 171.82 233.17 46 0.00 55.34 112.58 171.76 233.02 47 0.00 55.34 112.55 171.67 232.82 48 0.00 55.33 112.49 171.54 232.57 49 0.00 55.31 112.41 171.37 232.28 50 0.00 55.28 112.31 171.17 231.94 51 0.00 55.25 112.19 170.93 231.55 52 0.00 55.21 112.05 170.66 231.11 53 0.00 55.16 111.90 170.35 230.62 54 0.00 55.10 111.73 170.01 230.08 55 0.00 55.03 111.54 169.64 229.49 56 0.00 54.96 111.34 169.28 228.86 57 . 0.00 54.89 111.13 168.86 228.18 58 0.00 54.81 110.90 168.40 227.44 59 0.00 54.73 110.65 167.89 226.64 60 0.00 54.64- 110.38 167.37 225.78 236 AMER exp!^ terminal reserves 3% 15 Year Endowment FULL PRELIMINARY TERM k^EARS Age 6 7 8 9 10 20 299.02 365.74 434.99 506.87 581.49 21 298.97 365.68 434.92 506.79 581.41 22 298.91 365.61 434.85 506.71 581.33 23 298.85 365.54 434.77 506.63 581.24 24 298.79 365.47 434.69 506.54 581.15 25 298.73 365.39 434.60 506.44 581.04 26 298.66 365.31 434.51 506.34 580.94 27 298.59 365.23 434.41 506.24 580.83 28 298.52 365.15 434.31 506.13 580.71 29 298.44 365.06 434.20 506.01 580.58 30 298.36 364.96 434.08 505.88 580.44 31 298.28 364.85 433.96 505.74 580.29 32 298.20 364.73 433.83 505.59 580.13 33 298.11 364.61 433.69 505.43 579.96 34 298.01 364.49 433.54 505.25 579.78 35 297.90 364.36 433.38 505.07 579.59 36 297.79 364.22 433.21 504.88 579.38 37 297.68 364.08 433.04 504.68 579.14 38 297.58 363.95 432.87 504.47 578.88 39 297.48 363.82 432.69 504.24 578.60 40 297.39 363.68 432.50 503.99 578.30 41 297.30 363.53 432.29 503.71 577.95 42 297.20 363.36 432.05 503.38 577.55 43 297.08 363.16 431.76 503.00 577.11 44 296.93 362.91 431.41 502.55 576.57 45 296.73 362.60 430.99 502.01 575.94 46 296.48 362.23 430.49 501.38 575.24 47 296.17 361.78 429.90 500.66 574.42 48 295.79 361.25 429.22 499.84 573.49 49 295.34 . 360.64 428.45 498.92 572.45 50 294.83 359.95 427.58 497.89 571.29 51 294.26 359.18 426.61 496.74 569.99 52 293.62 358.33 425.54 495.46 568.54 53 292.92 357.39 424.36 494.05 566.94 54 292.15 356.35 423.06 492.49 565.18 55 291.31 355.21 421.63 490.78 563.24 56 290.39 353.97 420.07 488.91 . 561.07 57 289.38 352.63 418.37 486.86 558.74 58 288.28 351.17 416.50 484.62 556.17 59 287.09 349.58 414.45 482.16 553.34 60 285.81 347.84 412.22 479.45 550.22 237 AMER. TERMINAL RESERVES 3% 1 5 Year Endowment FULL PRELIMINARY TERM YEARS Age II 12 13 14 20 658.97 739.42 822.99 909.80 21 658.89 739.35 822.93 909.77 22 658.80 739.28 822.87 909.74 23 658.71 739.20 822.81 909.70 24 658.62 739.12 822.74 909.66 25 658.52 739.03 822.67 909.61 26 658.42 738.93 822.59 909.56 27 658.31 738.82 822.50 909.50 28 658.19 738.71 822.40 909.44 29 658.06 738.59 822.30 909.38 30 657.92 738.45 822.19 909.31 31 657.76 738.30 822.07 909.24 32 657.59 738.14 821.94 909.16 33 657.41 737.97 821.80 909.07 34 657.22 737.79 821.64 908.97 35 657.01 737.59 821.46 908.86 36 656.78 737.36 821.26 908.74 37 656.53 737.11 821.04 908.60 38 656.26 736.84 820.80 908.44 39 655.96 736.53 820.53 908.26 40 655.62 736.18 820.22 908.06 41 655.23 735.79 819.87 907.84 42 654.79 735.34 > 819.48 907.59 43 654.28 734.82 819.03 907.30 44 653.69 734.23 818.51 906.97 45 653.01 733.56 817.92 906.60 46 652.23 732.80 817.26 906.18 47 651.35 731.94 816.51 905.70 48 650.36 730.97 815.67 905.16 49 649.25 729.88 814.74 904.56 50 648.02 728.66 813.70 903.89 51 646.64 727.30 812.53 903.14 52 645.10 725.79 811.23 902.31 53 643.40 724.12 809.79 901.39 54 641.53 722.28 808.20 900.37 55 639.46 720.24 806.44 899.23 56 637.19 717.99 804.48 897.96 57 634.69 715.50 802.30 896.55 58 631.93 712.75 799.88 894.98 59 628.88 709.70 797.21 893.25 60 625.49 706.31 794.24 891.34 238 AMER ^£^' TERMINAL RESERVES 3% 10 Year Elndowment. FULL PRELIMINARY TERM YEARS Age I 3 3 4 5 20 0.00 95.28 " 194.13 296.74 403.24 21 0.00 95.26 194.10 296.70 403.19 22 0.00 95.24 194.07 296.66 403.14 23 0.00 95.22 194.04 296.61 403.08 24 0.00 95.20 194.01 296.56 403.02 25 0.00 95.18 193.97 296.51 402.96 26 0.00 95.16 193.93 296.46 402.90 27 0.00 95.14 193.89 296.40 402.83 28 0.00 95.12 193.85 296.34 402.75 29 0.00 95.10 193.80 296.27 402.67 30 0.00 95.07 193.75 296.20 402.58 31 0.00 95.04 193.70 296.12 402.49 32 0.00 95.01 193.64 296.04 402.39 33 0.00 94.98 193.58 295.96 402.28 34 0.00 94.95 193.51 295.87 402.16 35 0.00 94.91 193.44 295.77 402.03 36 0.00 94.87 193.36 295.65 401.88 37 0.00 94.82 193.27 295.52 401.72 38 0.00 94.77 193.17 295.38 401.55 39 0.00 94.72 193.07 295.23 401.37 40 0.00 94.67 192.97 295.07 401.18 41 0.00 94.61 192.86 294.90 400.97 42 0.00 94.55 192.74 294.72 400.73 43 0.00 94.48 192.61 294.52 400.46 44 0.00 94.41 192.46 294.30 400.16 45 0.00 94.33 192.29 294.04 399.81 46 0.00 94.23 192.09 293.74 399.40 47 0.00 94.12 191.85 293.38 398.92 48 0.00 93.99 191.57 292.96 398.37 49 0.00 93.84 191.25 292.47 397.75 50 0.00 93.67 190.88 291.92 397.04 51 0.00 93.47 190.46 291.30 396.24 52 0.00 93.24 189.99 290.60 395.34 53 0.00 92.98 189.47 289.82 394.34 54 0.00 92.69 188.89 288.96 393.24 55 0.00 92.37 188.25 288.00 392.02 56 0.00 92.02 187.54 286.95 390.67 57 0.00 91.64 186.75 285.77 389.17 58 0.00 91.22 185.88 284.46 387.51 59 0.00 90.75 184.92 283.04 385.68 60 0.00 90.22 183.87 281.48 383.68 239 ^exp!^ terminal reserves 3% 10 Year Elndowment. FULL PRELIMINARY TERM YEARS Age 6 • 7 8 9 20 513.79 628.56 747.73 871.48 21 513.74 628.51 747.68 871.45 22 513.68 628.45 747.63 871.42 23 513.62 628.39 747.58 871.39 24 513.56 628.33 747.53 871.36 25 513.49 628.26 747.47 871.33 26 513.42 628.19 747.41 871.29 27 513.34 628.12 747.35 871.25 28 513.26 628.04 747.28 871.21 29 513.17 627.96 747.20 871.16 30 513.07 627.87 747.12 871.10 31 512.97 627.77 747.03 871.03 32 512.86 627.66 746.93 870.96 ^ 512.74 627.54 746.82 870.89 34 512.60 627.40 746.70 870.81 35 512.45 627.24 746.57 . 870.73 36 512.28 627.07 746.43 870.64 37 512.10 626.88 746.27 870.54 38 511.91 626.68 746.10 870.43 39 511.70 626.46 745.91 870.31 40 511.47 626.22 745.70 870.17 41 511.22 625.96 745.46 870.01 42 510.94 625.67 745.19 869.83 43 510.63 625.34 744.88 869.63 44 510.27 624.96 744.52 869.40 45 509.85 624.52 744.11 869.13 46 509.37 624.01 743.65 868.82 47 508.81 623.42 743.12 868.47 48 508.17 622.75 742.50 868.07 49 507.44 . 621.99 741.83 867.62 50 506.66 621.14 741.08 867.12 51 505.70 620.19 740.24 866.57 52 504.68 619.13 739.34 865.95 53 503.54 ^ 617.96 738.29 865.27 54 502.27 '616.66 737.12 864.50 55 500.87 615.21 735.82 863.65 56 499.31 613.60 734.38 862.71 57 497.58 611.82 732.78 861.66 58 495.68 609.84 732.01 860.50 59 493.59 607.65 729.06 859.21 60 491,27 605.24 726.89 857.77 240 ^Expf TERMINAL RESERVES 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first 3'ear, increasing by a similar amount yearly. YEARS Age I 2 3 4 5 20 73.10 141.03 203.49 260.17 310.75 21 74.11 143.02 206.46 264.10 315.62 22 75.19 145.19 209.70 268.40 320.92 23 76.39 147.58 213.28 273.12 326.75 24 77.70 150.21 217.18 278.28 333.15 25 79.15 153.09 221.49 284.01 340.23 26 80.75 156.28 226.26 290.32 348.05 27 82.52 159.84 231.57 297.36 356.81 28 84.50 163.79 237.49 305.24 366.59 29 86.71 168.21 244.14 314.08 377.53 30 89.21 173.23 251.65 324.04 389.94 31 92.03 178.88 260.12 335.32 404.03 32 95.21 185.25 269.69 348.11 419.93 33 98.78 192.43 280.51 362.51 437.90 34 102.80 200.52 292.65 378.72 458.08 35 107.32 209.58 306.31 396.90 480.80 36 112.37 219.73 321.55 417.29 506.23 37 118.01 231.06 338.63 440.08 534.74 38 124.28 243.69 357.64 465.52 566.54 39 131.25 257.71 378.79 493.79 601.93 40 138.98 273.27 402.24 525.17 641.14 41 147.53 290.48 428.21 559.86 684.54 42 156.95 309.48 456.83 598.16 732.36 43 167.33 330.36 488.32 640.21 784.92 44 178.69 353.25 522.80 686.30 842.46 45 191.12 378.26 560.49 736.63 905.22 46 204.68 405.56 601.60 791.47 973.59 47 219.43 435.23 646.24 851.02 1047.89 48 235.42 467.38 694.60 915.58 1128.45 49 252.69 502.11 746.90 985.41 1215.65 50 271.29 539.54 803.26 1060.68 1309.65 51 291.26 579.71 863.78 1141.54 1410.69 52 312.58 622.62 928.43 1227.96 1518.74 53 335.19 668.12 997.01 1319.67 1633.48 54 358.97 716.01 1069.21 1416.27 1754.44 55 383.81 766.04 1144.69 1517.35 1881.02 56 409.61 818.02 1223.16 1622.43 2012.72 57 436.27 871.77 1304.31 1731.17 2149.07 58 463.74 927.16 1387.99 1843.37 2289.90 59 491.95 984.10 1474.07 1958.93 2435.14 60 520.84 1042.44 1562.35 2077.60 2584.49 241 ^^- TERMINAL RESERVES 3% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age 6 7 8 9 ID 20 354.88 392.14 422.13 444.42 458.47 21 360.62 398.71 429.48 452.42 467.04 22 366.88 405.89 437.47 461.14 476.44 23 373.80 413.79 446.29 470.84 486.82 24 381.35 422.45 456.01 481.46 498.16 25 389.74 432.12 466.82 493.24 510.82 26 399.04 442.80 478.73 506.30 524.95 27 409.44 454.70 492.08 521.04 540.74 28 421.02 468.03 507.11 537.48 558.49 29 434.04 483.09 523.98 556.06 578.43 30 448.86 500.14 543.17 577.10 601.20 31 465.61 519.50 564.89 601.08 627.08 32 484.60 541.37 589.57 628.27 656.61 33 , 505.98 566.13 617.45 659.14 690.10 34 530.11 594.00 648.98 694.02 728.05 35 557.23 625.45 684.52 733.43 770.81 36 587.68 660.75 724.49 777.63 818.90 37 . 621.79 700.35 769.22 827.21 872.66 38 659.90 744.48 819.18 882.42 932.60 39 702.20 793.57 874.58 943.72 999.02 40 749.17 847.92 936.00 1011.55 1072.30 41 801.03 908.01 1003.79 1086.25 1152.97 42 858.22 974.19 1078.30 1168.31 1241.61 43 921.03 1046.72 1159.94 1258.26 1338.82 44 989.66 1125.97 1249.18 1356.62 1445.18 45 1064.51 1212.45 1346.59 1464.05 1561.34 46 1146.10 1306.75 1452.89 1581.30 1688.26 47 1234.79 1409.32 1568.52 1708.97 1826.51 48 1331.03 1520.63 1694.12 1847.71 1976.94 49 1435.20 1641.23 1830.27 1998.27 2140.45 50 1547.59 1771.39 1977.37 2161.18 2317.44 51 1668.45 1911.50 2135.92 2336.85 2508.56 52 1797.80 2061.63 2305.88 2525.40 2713.89 53 1935.30 2221.28 2486.81 2726.27 2932.96 54 2080.30 2389.77 2677.87 2938.66 3164.93 55 2232.14 2566.31 2878.29 3161.72 3408.77 56. 2390.19 2750.26 3087.37 3394.63 3663.54 57 2554.00 2941.14 3304.52 3636.73 3928.79 58 2723.42 3138.77 3529.56 3888.08 4204.61 59 2898.34 3343.04 3762.66 4148.90 4491.42 60 3078.40 3553.78 4003.60 4419.13 4789.56 242 ^Expf TERMINAL RESERVES 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount. yearly. YEARS Age II 12 13 14 15 20 463.78 459.82 445.90 421.23 385.13 21 472.84 469.15 455.23 430.43 394.06 22 482.71 479.26 465.44 440.61 403.67 23 493.57 490.48 476.90 451.81 414.43 24 505.51 502.92 489.39 464.17 426.07 25 518.96 516.74 503.44 477.89 439.23 26 533.79 532.13 518.89 493.19 453.74 27 550.52 549.34 536".39 510.40 470.3.5 28 569.18 568.74 556.00 529.94 489.13 29 590.33 590.63 578.37 552.18 510.69 30 614.41 615.79 604.06 577.91 535.51 31 641.99 644.58 633.62 607.37 564.21 32 673.43 677.55 667.34 641.24 596.95 33 709.22 714.94 705.79 679.60 634.23 34 749.63 757.34 749.15 723.03 676.26 35 795.33 805.07 798.10 771.88 723.24 36 846.51 858.64 852.88 826.24 775.43 37 903.83 918.48 913.78 886.63 833.39 38 967.60 984.78 981.20 953.46 897.57 39 1038.01 1057.93 1055.57 1027.19 968.41 40 1115.66 1138.61 1137.63 1108.61 1046.55 41 1201.13 1227.46 1228.06 1198.27 1132.75 42 1295.11 1325.21 1327.51 1297.04 1227.68 43 1398.24 1432.45 1436.77 1405.52 1332.17 44 1511.05 1549.90 1556.43 1524.53 1447.01 45 1634.40 1678.34 1687.49 1655.13 1573.02 46 1769.23 1818.96 1831.24 1798.43 1711.55 47 1916.29 1972.59 1988.36 1955.30 1863.37 48 2076.57 2140.11 2159.95 2126.83 2029.76 49 2250.87 2322.57 2347.07 2314.31 2212.16 50 2439.81 2520.57 2550.54 2518.68 2411.39 51 2644.06 2735.03 2771.46 2741.00 2628.33 52 2863.87 2966.32 3010.09 2981.38 2863.56 53 3098.80 3213.82 3265.64 3239.36 3116.36 54 3347.82 3476.31 3537.15 3513.73 3385.28 55 3609.72 3752.83 3823.42 3803.12 3669.30 56 3883.79 4042.49 4123.52 4107.01 3967.63 57 4169.49 4344.79 4437.38 4425.21 4280.94 58 4467.07 4660.49 4765.87 4759.61 4612.54 59 4777.44 4990.74 5111.15 5113.78 4967.30 60 5101.17 5336.96 5475.95 5491.69 5350.27 243 AMER. TERMINAL RESERVES ^% 20 Year Mortuary Additions ( LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age i6 17 i8 19 20 336.90 275.34 199.57 108.15 21 344.97 282.33 204.75 111.19 22 353.81 289.71 210.37 114.22 23 363.48 298.02 216.53 117.79 24 374.15 306.97 223.36 121.60 25 386.06 317.27 231.19 126.20 26 399.45 328.72 240.02 131.12 27 414.71 342.00 250.10 137.08 28 432.14 356.96 261.73 143.64 29 451.99 374.29 274.92 151.31 30 475.15 394.31 290.50 160.43 31 501.71 417.53 308.51 170.75 32 532.24 444.11 328.83 182.36 31 566.84 473.90 351.53 195.29 34 605.52 507.11 376.81 209.68 35 648.68 544.17 405.05 225.87 36 696.60 585.34 436.47 243.72 37 749.87 631.17 471.33 263.67 38 808.90 681.82 509.99 285.66 39 873.92 737.72 552.48 309.88 40 945.79 799.41 599.56 336.91 41 1025.01 867.63 651.83 366.82 42 1112.47 943.18 709.65 400.05 43 1208.98 1026.47 773.52 436.71 44 1314.99 1118.09 843.74 477.03 45 1431.49 1218.82 921.12 521.69 46 1559.73 1330.06 1007.02 571.59 47 1700.62 1452.71 1101.99 626.53 48 1855.52 1.587.86 1206.57 687.37 49 2025.72 1736.46 1322.12 754.94 50 2211.75 1899.46 1449.18 829.08 51 2415.01 2078.03 1588.51 910.96 52 2635.86 2272.23 1740.63 1000.14 53 2873.29 2481.42 1904.06 1095.73 54 3126.19 2703.82 2077.66 1197.48 55 3393.09 2938.66 2261.64 1306.08 56 3673.95 3187.05 2457.86 1423.28 57 3970.71 3451.86 2669.53 1551.27 58 4287.88 3738.42 2901.78 1694.32 59 4631.43 4053.06 3160.98 1856.24 60 5007.00 4401.92 3451.81 2039.74 244 ^^If TERMINAL RESERVES 3% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age I 2 3 4 5 20 53.70 101.48 143.02 177.97 205.99 21 54.26 102.58 144.63 180.05 208.50 22 54.88 103.79 146.40 182.36 211.25 23 55.56 105.12 148.35 184.85 214.24 24 56.30 106.58 150.47 187.60 217.57 25 57.12 108.17 152.80 190.62 221.18 26 58.01 109.92 155.38 193.94 225.19 27 58.98 111.84 158.17 197.57 229.59 28 60.05 113.94 161.25 201.59 234.43 29 61.22 116.24 164.66 206.00 239.73 30 62.53 118.82 168.42 210.88 245.64 31 63.97 121.66 172.60 216.30 252.25 32 65.58 124.82 177.26 222.41 259.62 33 67.37 128.37 182.52 229.23 267.92 34 69.40 132.39 188.43 236.95 277.24 35 71.71 136.92 195.15 245.69 287.90 36 74.30 142.09 202.75 255.66 300.01 37 77.26 147.93 211.41 266.97 313.86 38 80.58 154.54 221.19 279.82 329.57 39 84.34 161.98 232.25 294.34 347.35 40 88.55 170.37 244.71 310.73 367.37 41 93.29 179.79 258.71 329.09 389.86 42 98.58 190.33 274.35 349.65 414.95 43 104.49 202.06 291.79 372.51 442.90 44 111.03 215.08 311.10 397.86 473.82 45 118.29 229.50 332.50 425.89 507.93 46 126.29 245.42 356.10 456.73 545.43 47 135.13 262.95 382.04 490.64 586.69 48 144.83 282.18 410.48 527.84 631.98 49 155.44 303.22 441.62 568.58 681.61 50 167.04 326.23 475.70 613.17 735.91 51 179.72 351.40 512.97 661.94 795.37 52 193.55 378.83 553.60 715.16 860.25 53 208.58 408.67 597.83 773.11 931.00 54 224.91 441.09 645.90 836.16 1008.08 55 242.56 476.16 697.95 904.52 1091.67 56 261.60 514.02 754.21 978.42 1182.14 57 282.03 554.69 814.66 1057.92 1279.56 58 303.81 598.05 879.16 1142.80 1383.71 59 326.84 643.93 947.45 1232.76 1494.23 60 351.03 692.13 1019.27 1327.48 1610.67 245 ^^ TERMINAL RESERVES 3% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age 67 8 9 10 20 226.69 239.61 244.31 240.33 227.07 21 229.53 242.72 247.63 243.68 230.36 22 232.67 246.19 251.27 247.41 234.08 23 236.11 249.94 255.25 251.53 238.12 24 239.89 254.11 259.72 256.11 242.59 25 244.04 258.71 264.61 261.08 247.51 26 248.67 263.81 270.00 266.64 253.11 27 253.71 269.34 275.89 272.79 259.13 28 259.24 275.45 282.50 279.54 265.86 29 265.34 282.25 289.70 287.00 273.14 30 272.20 289.80 297.80 295.26 281.38 31 279.76 298.21 306.70 304.49 290.46 32 , 288.29 307.60 316.80 314.86 300.86 33 297.81 318.20 328.11 326.66 312.64 34 308.62 330.17 341.04 340.10 326.18 35 320.93 343.95 355.91 355.68 341.78 36 335.03 359.72 373.01 373.51 359.82 37 351.13 377.80 392.53 394.02 380.40 38 369.47 398.30 414.81 417.25 403.84 39 390.14 421.52 439.87 443.50 430.21 40 413.51 447.63 468.15 473.01 459.64 41 439.63 476.91 499.75 505.78 492.29 42 468.85 509.55 534.82 542.12 528.49 43 501.31 545.66 573.58 582.30 568.54 44 537.09 585.45 616.31 626.59 612.72 45 576.55 629.34 663.46 675.52 661.47 46 619.96 677.66 715.41 729.39 715.24 47 667.74 730.88 772.59 788.78 774.50 48 720.23 789.32 835.47 854.08 839.79 49 777.72 853.41 904.42 925.79 911.63 50 840.70 923.61 980.06 1004.60 990.55 51 909.66 1000.59 1063.16 1091.50 1077.42 52 985.02 1084.86 1154.14 1186.14 1172.75 53 1067.31 1176.89 1253.63 1290.09 1277.36 54 1156.99 1277.33 1362.34 1403.91 1392.23 55 1254.37 1386.50 1480.72 1528.15 1517.85 56 1359.87 1505.00 1609.51 1663.55 1654.85 57 1473.66 1633.04 1748.88 1810.17 1803.59 58 1595.49 1770.29 1898.32 1967.71 1963.57 59 1724.89 1916.10 2057.34 2135.46 2133.96 60 1861.25 2069.97 2225.26 2312.62 2314.07 246 ^^^ TERMINAL RESERVES ^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVES) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS Age II 12 13 14 20 203.99 170.52 125.91 69.32 21 207.11 173.22 127.88 70.39 22 210.59 176.18 130.17 71.82 23 214.31 179.42 132.76 73.24 24 218.52 183.22 135.66 75.01 25 223.25 187.31 138.89 76.78 26 228.47 191.96 142.41 78.89 27 234.19 196.86 146.24 80.99 28 240.42 202.36 150.40 83.46 29 247.32 208.30 155.06 86.11 30 255.01 215.14 160.38 89.31 31 263.66 222.76 166.41 92.74 32 273.54 231.60 173.28 96.90 33 284.83 241.56 181.22 101.47 34 297.70 253.12 190.23 106.83 35 312.74 266.47 200.88 113.20 36 329.97 281.96 213.18 120.39 37 349.78 299.69 227.05 128.47 38 372.24 319.56 242.56 137.50 39 397.27 341.63 259.74 147.48 40 425.17 366.24 278.95 158.73 41 456.11 393.55 300.29 171.10 42 490.44 423.91 323.94 184.92 43 528.47 457.43 350.14 200.13 44 570.32 494.42 378.93 216.88 45 616.62 535.26 410.86 235.62 46 667.62 580.40 446.28 256.31 47 724.00 630.45 485.51 279.34 48 786.25 685.67 528.87 304.74 49 854.69 746.44 576.55 332.69 50 929.99 813.33 629.15 363.68 51 1012.97 887.27 687.62 398.35 52 1104.24 968.89 752.30 436.53 53 1204.71 1058.92 823.56 478.82 54 1315.28 1158.04 902.43 525.89 55 1436.22 1266.83 989.17 577.48 56 1568.57 1386.18 1084.42 634.57 57 1712.52 1516.07 1188.45 696.74 58 1867.35 1655.99 1300.14 763.25 59 2032.43 1804.85 1418.83 834.12 60 2206.71 1962.03 1544.60 909.73 ^^' TERMINAL RESERVES 10 Year Mortuary Additions (LEVEL PREMIUM RESERVES) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. 247 3% YEARS Age I 2 3 4 5 20 34.65 62.66 83.68 97.31 103.19 21 34.95 63.22 84.44 98.25 104.25 22 35.27 63.81 85.27 99.26 105.34 23 35.61 64.46 86.18 100.34 106.53 24 35.98 65.18 87.16 101.53 107.86 25 36.39 65.94 88.23 102.84 109.29 26 36.83 66.76 89.37 104.21 110.80 27 37.31 67.67 90.63 105.73 112.52 28 37.84 68.65 91.99 107.42 114.38 29 38.42 69.74 93.54 109.30 116.44 30 39.05 70.95 95.22 111.32 118.70 31 39.76 72.28 97.07 113.59 121.28 32 40.52 73.72 99.09 116.10 124.05 33 41.36 75.32 101.36 118.85 127.13 34 42.29 77.09 103.83 121.88 130.46 35 43.33 79.06 106.60 125.23 134.24 36 44.47 81.24 109.64 128.98 138.39 37 45.77 83.69 113.10 133.20 143.17 38 47.21 86.45 116.98 138.00 148.57 39 • 48.85 89.57 121.42 143.49 154.81 40 50.72 93.18 126.53 149.85 161.98 41 52.87 97.31 132.42 157.13 170.29 42 55.32 102.03 139.12 165.49 179.73 43 58.10 107.36 146.73 174.92 190.46 44 61.22 113.38 155.28 185.55 202.49 45 64.75 120.14 164.91 197.48 215.89 46 68.67 127.70 175.64 210.68 230.71 47 73.06 136.12 187.53 225.32 247.15 48 77.93 145.42 200.66 241.49 265.34 49 83.29 155.67 215.15 259.34 285.42 50 89.21 167.00 231.17 279.10 307.61 51 95.75 179.51 248.86 300.88 332.13 52 102.97 193.32 268.37 324.94 359.17 53 110.91 208.50 289.85 351.42 389.02 54 119.62 225.18 313.44 380.55 421.90 55 129.17 243.47 339.35 412.60 458.04 56 139.66 263.56 367.86 447.85 497.88 57 151.13 285.59 399.11 486.54 541.63 58 163.69 309.68 433.33 528.95 589.68 59 177.38 336.01 470.76 575.44 642.51 60 192.29 364.67 511.59 626.26 700.35 248 Ixp!^ terminal reserves 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per Attained Amount of Insurance — $i,ooo the first year, increasing by a similar amount yearly. YEARS • Age 6 7 8 9 20 100.90 89.94 69.82 40.06 21 101.95 90.91 70.64 40.52 22 103.06 91.95 71.44 40.98 23 104.28 93.06 72.34 41.56 24 105.62 94.31 73.39 42.20 25 107.08 95.71 74.54 42.86 26 108.66 97.17 75.66 43.50 27 110.40 98.75 76.95 44.35 28 112.27 100.50 78.44 45.19 29 114.40 102.56 80.10 46.26 30 116.78 104.76 81.93 47.30 31 119.39 107.26 83.92 48.56 Z2 122.27 109.89 86.10 49.81 33 125.39 112.84 88.46 51.27 34 128.83 116.02 91.09 52.83 35 132.69 119.70 94.12 54.75 36 137.02 123.78 97.54 56.78 Z7 141.98 128.55 101.45 59.27 38 147.65 133.90 105.97 61.98 39 154.12 140.14 111.10 • 65.18 40 161.68 147.32 . 117.16 68.97 41 170.35 155.68 124.18 73.26 42 180.29 165.21 132.05 78.06 43 191.52 175.83 140.80 83.38 44 203.99 187.61 150.49 89.27 45 217.87 200.73 161.31 95.91 46 233.22 215.25 173.31 103.18 47 250.27 231.41 186.62 111.33 48 269.15 249.25 201.37 120.29 49 289.95 268.95 217.56 130.15 50 312.99 290.73 235.56 141.21 51 338.41 314.83 255.55 153.43 52 366.53 341.58 277.70 167.02 53 397.62 371.11 302.20 182.03 54 431.84 403.65 329.16 198.56 55 469.51 439.47 358.90 216.88 56 511.05 479.10 391.99 237.41 57 556.79 522.89 428.63 260.01 58 607.19 571.22 469.01 285.05 59 662.69 624.44 513.70 312.91 60 723.46 682.92 562.89 343.47 ' 249 ^^- MEAN RESERVES ^% Ordinary Life FULL PRELIMINARY TERM V'EARS Age I 2 3 4 5 20 3.79 11.04 18.52 26.23 34.19 21 3.82 11.35 19.12 27.13 35.40 22 3.84 11.67 19.74 28.07 36.67 23 3.86 12.01 20.40 29.07 38.00 24 3.89 12.36 21.09 30.10 39.38 25 3.92 12.73 21.81 31.18 40.84 26 3.95 13.12 22.57 32.31 42.35 27 3.98 13.52 23.36 33.49 43.93 28 4.01 13.95 24.18 34.73 45.59 29 4.05 14.39 25.04 36.02 47.33 30 4.09 14.86 25.96 37.38 49.15 31 4.13 15.35 26.91 38.80 51.05 32 4.18 15.86 27.90 40.28 53.03 33 4.23 16.41 28.95 41.85 55.12 34 4.28 16.98 30.05 43.49 57.31 35 4.34 17.58 31.20 45.20 59.58 36 4.41 18.22 32.41 46.99 61.96 37 4.48 18.87 33.66 48.85 64.45 38 4.57 19.57 34.99 50.82 67.06 39 4.66 20.31 36.38 52.87 69.80 40 4.76 21.09 37.85 55.05 72.67 41 4.86 21.90 39.39 57.31 75.67 42 4.98 22.77 41.01 59.68 78.79 43 5.11 23.68 - 42.69 62.15 82.02 44 5.26 24.64 44.47 64.72 85.39 45 5.42 25.64 46.30 67.38 88.84 46 5.62 26.70 48.22 70.13 92.39 47 5.83 27.82 50.20 72.95 96.04 48 6.07 28.97 52.24 75.84 99.76 49 6.36 30.18 54.35 78.83 103.59 50 6.69 31.45 56.54 81.91 107.54 51 7.06 32.78 58.81 85.09 111.60 52 7.47 34.19 61.17 88.38 115.77 53 7.93 35.66 63.62 91.77 120.06 54 8.45 37.21 66.16 . 95.27 124.48 55 9.02 38.83 68.80 98.88 129.02 56 9.66 40.55 71.55 102.62 133.68 57 10.36 42.35 74.41 106.46 138.46 58 11.14 44.25 77.37 110.42 143.35 59 12.00 46.25 80.44 114.50 148.37 60 12.96 48.36 83.62 118.69 153.50 61 14.02 50.58 86.92 123.02 158.75 62 15.19 52.92 90.37 127.46 164.11 63 16.48 55.40 93.93 132.01 169.54 64 17.90 57.98 97.60 136.65 175.04 65 19.48 60.73 101.40 141.39 180.62 250 ^^- MEAN RESERVES Ordinary Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 42.39 50.86 59.58 68.58 77.86 21 43.92 52.72 61.78 71.13 80.76 22 45.53 54.66 64.08 73.79 83.79 23 47.21 56.70 66.48 76.56 86.96 24 48.96 58.82 68.99 79.46 90.25 25 50.79 61.04 71.61 82.49 93.69 26 52.70 63.36 74.34 85.65 97.29 27 54.70 65.78 77.20 88.95 101.04 28 56.79 68.31 80.18 92.39 104.96 29 58.97 70.96 83.30 95.99 109.03 30 61.26 73.73 86.56 99.75 113.29 31 63.66 76.63 89.96 103.66 117.73 32 66.15 79.64 93.49 107.73 122.34 33 68.77 82.80 97.20 111.99 127.17 34 71.51 86.09 101.07 116.44 132.21 35 74.36 89.53 105.10 121.08 137.45 36 77.34 93.12 109.32 125.91 142.91 37 80.46 96.88 113.71 130.95 148.58 38 83.73 100.81 118.30 136.19 154.47 39 87.14 104.91 123.08 141.64 160.58 40 90.72 109.18 128.04 147.29 166.88 41 94.44 113.61 133.18 153.11 173.35 42 98.30 118.21 138.48 159.08 179.99 43 102.30 122.94 143.92 165.21 186.77 44 106.43 127.81 149.50 171.48 193.72 45 110.65 132.78 155.20 177.88 200.79 46 114.98 137.87 161.03 184.41 207.99 47 119.42 143.08 166.97 191.07 215.32 48 123.95 148.39 173.04 197.85 222.78 49 128.61 153.83 179.23 204.75 230.37 50 133.39 159.41 185.56 211.80 238.10 51 138.28 165.10 192.02 218.99 245.96 52 143.31 170.94 198.63 226.31 253.94 53 148.46 176.91 205.36 233.75 262.04 54 153.74 183.01 212.21 241.31 270.25 55 159.15 189.23 219.19 248.98 278.56 56 164.68 195.57 226.28 256.77 286.97 57 170.33 202.03 233.49 264.65 295.43 58 176.10 208.60 240.79 272.59 303.94 59 181.98 215.27 248.17 280.59 312.47 60 187.97 222.03 255.60 288.62 321.00 61 194.06 228.86 263.09 296.66 329.52 62 200.23 235.75 270.59 304.69 338.01 63 206.45 242.65 278.09 312.71 346.50 64 212.71 249.57 285.58 320.74 355.12 65 219.02 256.52 293.15 328.95 364.03 251 AMER. EXR MEAN RESERVES 3% Ordinary Life FULL PRELIMINARY TERM VEARS Age IX 12 13 14 15 20 87.42 97.27 107.43 117.89 128.65 21 90.68 100.91 111.45 122.29 133.46 22 94.10 104.71 115.64 126.89 138.48 23 97.66 108.67 120.02 131.69 143.70 24 101.36 112.80 124.58 136.69 149.14 25 105.23 117.11 129.32 141.88 154.79 26 109.27 121.59 134.27 147.29 160.67 27 113.48- 126.27 139.42 152.92 166.78 28 117.87 131.14 144.78 158.78 173.15 29 122.44 136.22 150.36 164.87 179.76 30 127.21 141.51 156.18 171.23 186.65 31 132.17 147.01 162.23 177.82 193.79 32 137.35 152.74 168.52 184.67 201.19 33 142.75 158.71 175.06 191.78 208.86 34 148.37 164.93 181.86 199.15 216.80 35 154.22 171.37 188.89 206.77 224.97 36 - 160.29 178.05 196.17 214.62 233.37 37 166.59 184.97 203.69 222.70 241.99 38 173.12 192.11 211.41 230.99 250.83 39 179.86 199.45 219.34 239.48 259.85 40 186.79 206.99 227.46 248.16 269.08 41 193.89 214.70 235.76 257.03 278.47 42 201.17 222.59 244.23 266.05 288.02 43 208.58 230.63 252.85 275.22 297.71 44 216.18 238.82 261.62 284.54 307.54 45 223.89 247.14 270.51 293.97 317.48 46 231.73 255.59 279.54 303.54 327.53 47 239.71 264.18 288.69 313.21 337.68 48 247.81 272.88 297.95 322.97 347.90 49 256.03 281.70 307.31 332.83 358.21 50 264.40 290.64 316.79 342.79 368.60 51 272.87 299.69 326.35 352.82 379.04 52 281.47 308.84 336.02 362.93 389.51 53 290.17 318.09 345.74 : 373.06 399.99 54 298.97 327.42 355.52 383.22 410.46 55 307.85 336.79 365.32 393.37 420.88 56 316.79 346.20 375.12 403.49 431.25 57 325.78 355.62 384.89 413.54 441.53 58 334.77 365.01 394.61 423.52 451.76 59 343.75 374.37 404.27 433.47 462.02 60 352.70 383.67 413.90 443.46 472.42 61 361.62 392.96 423.60 453.63 483.13 62 370.54 402.34 433.50 464.11 494.26 63 379.55 411.93 443.74 475.06 505.95 64 388.81 421.90 454.49 486.62 518.28 65 398.50 432.44 465.90 498.88 531.36 252 AMtK. EXP. MEAN RESERVES 3*^ Ordinary Life FULL PRELIMINARY TERM YEARS Age l6 17 i8 19 30 21 20 139.74 151.15 162.88 174.95 187.35 200.08 21 144.96 156.78 168.93 181.42 194.25 207.43 22 150.39 162.64 175.23 188.16 201.44 215.06 23 156.05 168.74 181.77 195.15 208.89 222.99 24 161.93 175.07 188.56 202.41 216.63 231.19 25 168.04 181.65 195.62 209.96 224.65 239.70 26 174.40 188.50 202.96 217.78 232.96 248.49 27 181.01 195.61 210.57 225.90 241.57 257.58 28 187.89 202.99 218.47 234.29 250.46 266.96 29 195.03 210.66 226.64 242.97 259.63 276.60 30 202.44 218.60 235.11 251.95 269.09 286.52, 31 210.12 226.81 243.84 261.17 278.79 296.66 32 218.07 235.29 252.83 270.65 288.73 307.05 33 226.29 . 244.04 262.08 280.37 298.91 317.66 34 234.76 253.02 271.55 290.32 309.31 328.49 35 243.47 262.24 281.26 300.49 319.92 339.52 36 252.40 271.67 291.17 310.87 330.73 350.72 Z7 261.54 281.32 301.29 321.43 341.71 362.09 38 270.90 291.17 311.60 332.18 352.86 373.62 39 280.44 301.19 322.09 343.09 364.17 385.28 40 290.17 311.40 332.74 354.16 375.62 397.07 41 300.06 Z2\.76 343.54 365.35 387.17 408.95 42 310.10 332.26 354.46 376.66 398.82 420.89 43 320.27 342.88 365.49 388.06 410.54 432.89 44 330.58 353.62 376.62 399.53 422.31 444.93 45 340.98 364.44 387.81 411.05 434.12 456.96 46 351.48 375.34 399.06 422.61 445.93 468.97 47 362.05 386.29 410.36 434.19 457.73 480.93 48 372.69 397.30 421.67 445.75 469.48 492.82 49 383.40 408.35 432.99 457.29 481.18 504.62 50 394.16 419.41 444.31 468.78 492.79 516.30 51 • 404.94 430.47 455-.57 480.20 504.30 527.84 52 415.72 441.49 466.77 491.52 515.69 539.29 53 426.48 452.46 477.88 502.72 526.97 550.68 54 437.19 463.34 488.89 513.84 538.23 562.13 55 447.82 474.13 499.82 524.93 549.54 573.72 56 458.37 484.85 510.74 536.11 561.03 585.57 57 468.85 495.57 521.75 547.47 572.80 597.77 58 479.36 506.40 532.97 559.14 584.93 610.35 59 489.99 517.47 544.53 571.21 597.51 623.41 60 500.88 528.90 556.53 583.75 610.57 636.86 61 512.17 540.81 569.03 596.83 624.09 650.73 62 523.98 553.27 582.12 610.42 638.06 665.15 63 536.39 566.37 595.77 624.49 652.63 680.3:-' 64 549.46 580.05 609.93 639.21 668.09 696.78 65 563.22 594.34 624.84 654.91 684.79 714.39 253 AMER. EXP. MEAN RESERVES 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age • I 3 3 4 5 20 3.79 20.81 38.42 56.66 75.55 21 3.82 21.16 39.13 57.72 76.97 22 3.84 21.52 39.82 58.79 78.42 23 3.86 21.89 40.56 59.89 79.89 24 3.89 22.28 41.32 61.03 81.43 25 3.92 22.68 42.10 62.21 83.02 26 3.95 23.09 42.91 63.43 84.65 27 3.98 23.52 43.75 64.68 86.34 28 4.01 23.96 44.60 65.97 88.07 29 4.05 24.42 45.49 67.30 89.86 30 4.09 24.89 46.41 68.67 91.69 31 4.13 25.38 47.35 70.08 93.58 32 4.18 25.88 48.32 71.53 95.53 33 4.23 26.40 49.33 73.03 97.54 5-4 4.28 26.94 50.37 74.58 99.60 35 4.34 27.50 51.44 76.17 101.71 36 4.41 28.08 52.54 77.80 103.89 yj 4.48 28.68 53.68 79.48 106.13 38 4.57 29.31 54.85 81.22 108.44 39 4.66 29.96 56.07 83.01 110.82 40 4.76 30.63 57.33 84.87 113.28 41 4.86 31.34 58.64 86.79 115.80 42 4.98 32.07 59.99 88.76 118.38 43 5.11 32.83 61.38 90.77 121.02 44 5.26 33.63 62.82 92.85 123.71 45 5.42 34.45 64.29 94.96 126.43 46 5.62 35.31 65.81 97.10 129.17 47 5.83 36.21 67.36 99.26 131.93 48 6.07 37.13 68.92 101.44 134.70 49 6.36 38.08 70.51 103.65 137.49 50 6.69 39.08 72.15 105.90 140.32 51 7.06 40.13 73.84 108.19 143.18 52 7.47 41.22 75.58 110.53 146.08 53 7.93 42.36 77.Z(> 112.91 149.02 54 8.45 43.57 79.21 115.35 152.01 55 9.02 44.83 81.12 117.86 155.06 56 9.66 46.17 83.11 120.44 158.16 57 10.36 47.59 85.17 123.09 161.32 58 11.14 49.09 87.32 125.81 164.54 59 12.00 50.67 89.55 128.61 167.83 60 12.96 52.36 91.88 131.50 171.20 254 AMER exp!^ mean reserves 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 • lO 20 95.11 115.37 136.35 158.08 180.57 21 96.91 117.55 138.92 161.06 183.98 22 98.74 119.77 141.55 164.11 187.47 23 100.61 122.05 144.26 167.25 191.06 24 102.55 124.42 147.06 170.50 194.77 25 104.56 126.86 149.94 173.84 198.58 26 106.63 129.37 152.92 177.28 202.51 27 108.76 131.95 155.96 180.81 206.53 28 110.94 134.61 159.10 184.44 210.67 29 113.19 137.34 162.32 188.17 214.91 30 115.51 140.16 165.64 192.01 219.27 31 117.90 143.04 169.04 195.93 223.74 32 120.35 146.00 172.53 199.95 228.31 33 122.87 149.05 176.11 204.08 233.00 34 125.46 152.18 179.79 208.32 237.82 35 128.11 155.38 183.55 212.66 242.74 2>6 130.84 158.67 187.42 217.11 247.77 37 133.64 162.05 191.39 221.66 252.92 38 136.54 165.54 195.46 226.33 258.17 39 139.51 169.10 199.61 231.07 263.50 40 142.56 172.75 203.85 235.90 268.90 41 145.69 176.47 208.17 240.79 274.35 42 148.88 180.26 212.54 245.72 279.83 43 152.12 184.09 216.93 250.66 285.31 44 155.41 187.95 221.35 255.62 290.79 45 158.72 191.82 225.77 260.57 296.26 46 162.03 195.70 230.18 265.50 301.68 47 165.36 199.58 23458 270.41 307.08 48 168.69 203.44 238.96 275.27 312.40 49 172.04 207.32 243.33 280.11 317.69 50 175.42 211.21 247.72 284.93 322.94 51 178.81 215.09 252.08 289.71 328.10 52 182.23 219.00 256.40 294.46 333.22 53 185.68 222.91 260.73 299.17 338.26 54 189.17 226.85 265.06 303.83 343.23 55 192.70 230.80 269.38 308.47 348.14 56 196.27 234.77 273.69 313.06 352.95 57 199.87 238.75 277.98 317.59 357.65 58 203.52 242.75 282.25 322.05 362.23 59 207.22 246.77 286.49 326.43 366.66 60 210.97 250.79 290.69 330.71 370.93 255 exp!^ mean reserves 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age II 13 13 14 15 20 203.89 228.01 253.01 278.91 305.75 21 207.73 232.32 257.79 284.18 311.51 22 211.67 236.70 262.65 289.53 317.37 23 215.71 241.24 267.68 295.07 323.43 24 219.87 245.91 272.85 300.76 329.65 25 224.19 250.70 278.15 306.58 336.01 26 228.62 255.65 283.63 312.60 342.59 27 233.15 260.70 289.22 318.73 349.29 28 237.81 265.89 294.95 325.03 356.17 29 242.58 271.20 300.82 331.48 363.21 30 247.48 276.66 306.85 338.10 370.43 31 252.49 282.24 313.02 344.85 377.79 32 257.63 287.95 319.32 351.75 385.30 -33 262.90 293.82 325.77 358.81 392.97 '34 268.30 299.80 332.35 366.00 400.77 35 273.81 305.90 339.05 373.30 408.67 36 279.43 312.12 345.87 380.71 416.67 37 285.17 318.44 352.78 388.19 424.74 38 291.01 324.86 359.77 395.76 432.88 39 296.91 331.33 366.79 403.35 441.04 40 302.87 337.84 373.86 410.97 449.23 41 308.87 344.39 380.95 418.61 457.43 42 314.89 350.94 388.04 426.23 465.58 43 320.90 357.47 395.09 433.80 473.63 44 326.90 363.98 402.10 441.31 481.72 45 332.86 370.44 409.04 448.75 489.67 46 338.78 376.82 415.90 456.08 497.48 47 344.64 383.15 422.68 463.32 505.18 48 350.41 389.35 429.31 470.38 512.68 49 356,13 395.48 435.83 477.29 520.02 50 361.77 401.50 442.22 484.06 527.18 51 367.30 407.37 448.43 490.61 534.08 52 372.75 413.14 454.50 496.98 540.77 53 378.09 418.76 460.37 503.10 547.17 54 383.33 424.22 466.Q4 508.98 553.28 55 388.45 429.53 471.51 514.59 559.06 56 393.43 434.63 476.70 519.88 564.46 57 398.24 439.50 481.60 524.80 569.44 58 402.87 444.11 486.17 529.33 574.01 59 407.28 448.44 490.39 533.48 578.19 60 411.45 452.47 . 494.28 537.29 582.04 256 AMER. EXP. MEAN RESERVES 3% 20 Payment Life FULL PRELIMINARY TERM YEARS Age i6 17 l8 19 20 20 333.56 362.37 392.23 423.17 455.25 21 339.83 369.17 399.58 431.08 463.71 22 346.22 376.10 407.06 439.14 472.40 23 352.81 383.24 414.77 447.44 481.31 24 359.57 390.57 422.68 455.96 490.46 25 366.50 398.07 430.79 464.68 499.84 26 373.65 405.82 439.14 473.67 509.45 27 380.94 413.71 447.66 482.83 519.27 28 388.41 421.80 456.38 492.20 529.30 29 396.06 430.07 465.28 501.75 539.54 30 403.89 438.53 474.38 511.51 549.96 31 411.87 447.14 483.64 521.43 560.55 32 420.00 455.90 493.04 531.48 571.30 33 428.29 464.82 502.59 541.69 582.19 34 436.70 473.84 512.26 552.02 593.21 35 445.21 482.97 522.02 562.44 604.33 36 453.81 492.18 531.87 572.96 615.55 37 462.48 501.47 541.79 583.55 626.85 38 471.21 510.81 551.77 594.20 638.21 39 479.95 520.16 561.75 604.84 649.59 40 488.71 529.51 571.73 615.51 661.01 41 497.48 538.87 581.72 626.19 672.43 42 506.19 548.18 591.66 636.81 683.82 43 514.85 557.41 601.53 647.37 695.17 44 523.42 566.56 611.30 657.84 706.45 45 531.90 575.60 620.96 668.22 717.66 46 540.23 584.48 630.46 678.44 728.75 47 548.42 593.22 639.83 688.55 739.73 48 556.40 601.74 648.96 698.41 75052 49 564.20 610.05 657.89 708.09 761.15 50 571.79 618.14 666.58 717.55 771.58 51 579.08 625.91 674.94 726.68 781.78 52 586.14 633.41 683.03 735.56 791.75 53 592.87 640.56 690.75 744.10 801.48 54 599.25 647.34 698.10 752.31 810.98 55 605.28 653.74 705.11 760.25 820.31 56 610.88 659.71 711.70 767.87 829.47 57 616.04 665.25 717.93 775.19 838.49 58 620.79 670.41 723.83 782.27 847.38 59 625.17 675.23 729.42 789.10 856.15 60 629.24 679.75 734.71 795.67 864.77 25^ AMER. EXP. MEAN RESERVES 3% 15 Payment Life FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 3.79 26.90 50.84 75.65 101.35 21 3.82 27.33 51.70 76.95 103.12 22 3.84 27.79 52.60 78.31 104.95 23. 3.86 28.25 53.52 79.70 106.83 24 3.89 28.73 54.48 81.14 108.77 25 3.92 29.23 55.45 82.62 110.77 26 3.95 29.74 56.46 84.15 112.82 27 3.98 30.27 57.50 85.71 114.94 28 4.01 30.81 58.57 87.33 117.11 29 4.05 31.38 59.68 88.99 119.35 30 4.09 31.96 60.82 90.71 121.66 31 4.13 32.56 61.99 92.46 124.02 32 4.18 33.17 .63.18 94.26 126.45 33 4.23 .33.81 64.43 96.13 128,95 34 , 4.28 34 47 65.70 98.04 131.51 35 4.34 35.14 67.01 99.99 134.13 36 4.41 35.84 68.35 102.00 136.81 37 4.48 36.55 69.73 104.05 139.56 38 4.57 37.30 71.15 106.16 142.38 39 4.66 38.06 72.60 108.32 145.27 40 4.76 38.85 74.10 110.55 148.24 41 4.86 39.67 75.65 112.83 151.26 42 4.98 40.52 77.24 115.17 154.35 43 5.11 41.39 78.85 117.54 157.48 44 5.26 42.29 80.52 119.96 160.65 45 5.42 43.22 82.20 122.40 163.84 46 5.62 44.18 83.92 124.87 167.03 47 5.83 45.16 85.66 127.33 170.22 48 6.07 46.17 87.39 129.79 17339 49 6.36 47.20 89.15 132.25 176.55 50 6.69 48.25 90.92 134.72 179.70 51 7.06 49.34 92.71 137.19 182.83 52 7.47 50.47 94.52 139.66 185.94 53 7.93 51.63 96.35 142.13 189.02 54 8.45 52.82 98.19 144.59 192.08 55 9.02 54.06 100.05 147.05 195.11 56 9.66 55.35 101.95 149.52 198.11 57 10.36 56.69 103.88 151.98 201.06 58 11.14 58.08 105.83 154.44 203.98 59 12.00 59.54 107.82 156.89 206.85 60 12.96 61.06 109.84 159.35 209.68 258 AMER Expf MEAN RESERVES ^% 15 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 128.00 155.61 184.22 213.88 244.63 21 130.24 158.34 187.47 217.66 248.96 22 132.56 161.17 190.82 221.56 253.42 23 134.95 164.08 194.27 225.56 258.00 24 137.41 167.07 197.82 229.69 262.72 25 139.93 170.15 201.47 233.93 267.57 26 142.54 173.33 205.23 238.29 272.56 27 145.22 176.59 209.09 242.78 277.69 28 147.97 179.94 213.06 247.38 282.95 29 150.80 183.38 217.14 252.12 288.36 30 153.72 186.93 221.34 256.98 293.91 31 156.71 190.57 225.63 261.96 299.59 32 159.78 194.29 230.03 267.05 305.41 33 162.93 198.11 234.55 272.28 311.37 34 166.16 202.03 239.17 277.64 317.49 35 169.46 206.03 243.90 283.11 323.72 36 172.84 210.13 248.73 288.70 330.09 37 176.30 214.33 253.68 294.42 336.60 38 179.85 218.62 258.74 300.25 343.22 39 183.48 223.00 263.89 306.17 349.93 40 187.19 227.48 269.13 312.20 356.75 41 190.98 232.02 274.44 318.28 363.60 42 194.82 236.63 279.81 324.41 370.51 43 198.71 241.27 285.20 330.56 377A3 44 202.63 245.92 290.60 336.71 384.35 45 206.55 250.57 295.98 342.85 391.25 46 210.47 255.22 301.36 348.97 398.13 47 214.37 259.84 306.70 355.03 404.94 48 218.24 264.41 311.98 361.02 411.66 49 222.09 268.95 317.19 366.93 418.30 50 225.91 273.43 322.34 372.76 424.84 51 229.69 277.85 327.41 378.49 431.24 52 233.43 282.21 332.39 384.09 437.50 53 237.11 286.48 337.25 389.55 443.58 54 240.74 290.66 341.98 394.84 449.46 55 244.30 294.74 346.56 399.95 455.14 56 247.80 298.72 351.02 404.89 460.59 57 251.21 302.57 355.29 409.60 465.77 58 254.55 306.30 359.40 414.08 470.67 59 257.79 309.88 363.28 418.29 475.23 60 ; 260.95 313.30 366.96 422.21 479.43 259 "exp^ mean reserves ^% 15 Payment Life FULL PRELIMINARY TERM YEARS Age II 12 13 U 15 20 276.51 309.56 343.83 379.38 416.25 21 281.40 315.04 349.92 386.08 423.62 22 286.45 320.69 356.19 393.01 431.20 23 291.62 326.48 362.63 400.12 439 00 24 296.96 332.46 369.27 407.43 447.02 25 302.44 338,60 376.08 414.95 455.25 26 308.08 344.90 383.08 422.66 463.71 27 313.87 351.38 390.26 430.58 472.40 28 319.81 358.02 397.62 438.69 481.31 29 325.91 364.84 405.20 447.05 490.46 30 332.18 371.84 412.97 455.61 499.84 31 338.59 379.01 420.92 464.37 509.45 32 345.15 386.34 429.05 473.33 519.27 33 351.88 393.86 437.38 482.50 529.30 34' 358.77 401.55 445.89 491.86 539.54 35 365.79 409.38 454.56 501.39 549.96 36 372.96 417.36 463.38 511.08 560.55 37 380.26 425.49 472.35 520.92 571.30 38 387.69 433.74 481.45 530.89 582.19 39 395.21 442.08 490.63 540.96 593.21 40 402.82 450.51 499.91 551.15 604.33 41 410.47 458.99 509.25 561.39 615.55 42 418.18 467.52 518.65 571.71 626.85 43 425.90 476.07 528.07 582.06 638.21 44 433.62 484.61 537.49 592.41 649.59 45 441.30 493.13 546.89 602.77 661.01 46 448.96 501.62 556.26 613.11 672.43 47 456.55 510.03 565.57 623.41 683.82 48 464.05 518.36 574.79 633.63 695.17 49 471.45 526.57 583.91 643.74 706.45 50 478.73 534.65 592.88 653.74 717.66 51 485.86 542.57 601.70 663.60 728.75 52 492.81 550.31 610.33 673.29 739.72 53 499.57 557.84 618.75 682.78 750.52 54 506.12 565.13 626.92 692.03 761.15 55 512.41 572.16 634.83 701.04 771.58 56 518.45 578.88 642.41 709.74 781.78 57 524.16 585.25 649.64 718.12 791.75 58 529.55 591.27 656.51 726.18 801.48 59 534.55 596.87 662.96 733.87 810.98 60 539.15 602.03 668.99 741.23 820.31 260 AMER. EXP. MEAN RESERVES 3% 10 Payment Life FULL PRELIMINARY TERM YEARS Age I- 2 3 4 5 20 3.79 40.01 77.56 116.49 156.88 21 3.82 40.63 78.81 118.39 159.45 22 3.84 41.28 80.10 120.36 162.11 23 3.86 41.94 81.43 122.38 164.85 24 3.89 42.63 82.81 124.47 167.67 25 3.92 43.34 84.22 126.61 170.58 26 3.95 44.07 85.68 128.82 173.56 27 3.98 44.83 87.18 131.10 176.64 28 4.01 45.60 88.73 133.44 179.82 29 4.05 46.40 90.32 135.86 183.08 30 4.09 47.23 91.96 138.34 186.43 31 4.13 48.08 93.64 140.88 189.88 32 4.18 48.95 95.37 143.50 193.42 33 4.23 49.86 97.16 146.20 197.06 34 4.28 50.79 99.00 148.97 200.79 35 4.34 51.74 100.87 151.80 204,61 36 4.41 52.73 102.80 154.71 208.53 37 4.48 53.73 104.77 157.68 212.53 38 4.57 54.77 106.80 160.73 216.64 39 4.66 55.84 108.87 163.85 220.84 40 4.76 56.94 111.01 167.05 225.14 41 4.86 58.06 113.19 170.31 229.53 42 4.98 59.22 115.42 173.64 233.99 43 5.11 60.41 117.69 177.03 238.52 44 5.26 61.63 120.01 180.47 243.11 45 5.42 62.88 122.36 183.95 247.74 46 5.62 64.16 124.75 187.46 252.39 47 5.83 65.47 127.16 190.98 257.05 48 6.07 66.79 129.56 194.49 261.69 49 6.36 68.14 131.98 198.00 266.34 50 6.69 69.51 134.41 201.51 270.96 51 7.06 70.90 136.84 205.01 275.56 52 7.47 72.32 139.27 208.48 280.11 53 7.93 73.75 141.70 211.91 284.59 54 8.45 75.22 144.12 215.31 289.02 55 9.02 76.70 146.51 218.66 293.36 56 9.66 78.20 148.91 221.96 297.62 57 10.36 79.74 151.28 225.19 301.75 58 11.14 81.30 153.62 228.33 305.74 59 12.00 82.88 155.92 231.38 309.59 60 12.96 84.50 158.19 234.33 313.29 261 AMER. EXP. MEAN RESERVES 3% 10 Payment Life FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 198.77 242.21 287.27 334.02 382.52 21 202.03 246.20 292.01 339.55 388.86 22 205.41 250.32 296.91 345.25 395.41 23 208.89 254.58 301.97 351.13 402.16 24 212.48 258.95 307.17 357.19 409.10 25 216.17 263.47 312.53 363.44 416.25 26 219.97 268.11 318.04 369.85 423.62 27 223.88 272.88 323.71 376.46 431.20 28 227.91 277.80 329.56 383.26 439.00 29 232.05 282.85 335.56 390.25 447.02 30 236.31 288.06 341.74 397.44 455.25 31 240.69 293.40 348.08 404.82 463.71 32 245.18 298.88 354.58 412.39 472.40 33 249.80 304.50 361.26 420.17 481.31 34 254.53 310.28 368.11 428.14 490.46 35 259.37 316.18 375.13 436.31 499.84 36 264.34 322.24 382.32 444.68 509.45 ■h7 269.42 328.44 389.68 453.25 519.27 38 274.63 334.79 397.21 462.01 529.30 39 279.95 341.26 404.88 470.92 539.54 40 285.39 347.87 412.71 480.03 549.96 41 290.92 354.60 420.68 489.28 560.55 42 296.55 361.43 428.76 498.66 571.30 43 302.26 368.35 436.93 508.15 582.19 44 308.02 Z7^.ZZ 445.18 517.73 593.21 45 313.83 382.36 453.49 527.40 604.33 46 319.66 389.42 461.85 537.14 615.55 47 325.50 396.50 470.23 546.93 626.85 48 331.33 403.56 478.61 556.72 638.21 49 337.14 410.62 486.99 566.54 649.59 50 " 342.93 417.64 495.34 576.34 661.01 51 348.68 424.62 503.64 586.11 672.43 52 354.36 431.52 511.88 595.83 683.82 53 359.97 438.34 520.02 605.46 695.17 54 365.49 445.04 528.05 614.99 706.45 55 370.90 451.61 535.93 624.39 717.66 56 376.18 458.03 543.65 633.65 728.75 57 381.29 464.26 551.18 642.72 739.72 58 386.23 470.28 558.48 651.58 750.52 59 390.98 476.08 565.53 660.20 761.15 60 395.51 481.60 """' 572.29 668.54 771.58 262 AMER ^^^ MEAN RESERVES 3% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age I 2 3 4 5 20 3.79 40.13 77.81 116.88 157.40 21 3.82 40.15 77.82 116.89 157.41 22 3.84 40.17 77.84 116.90 157.42 23 3.86 40.19 77.86 116.92 157.43 24 3.89 40.22 77.88 116.94 157.45 25 3.92 40.25 77.91 116.97 157.47 26 3.95 40.28 77.94 117.00 157.50 27 3.98 40.31 77.98 117.03 157.53 28 4.01 40.35 78.02 117.07 157.57 29 4.05 40.40 78.07 117.12 157.62, 30 4.09 40.45 78.13 117.18 157.67 31 4.13 40.50 78.19 117.25 157.73. 32 4.18 40.56 78.26 117.33 157.81 33 4.23 40.63 78.35 117.43 157.91 34 4.28 40.71 78.45 117.54 158.03 35 4.34 40.80 78.57 117.67 158.17 36 4.41 40.90 78.70 117.82 158.34 37 4.48 41.02 78.85 118.00 158.55 38 4.57 41.16 79.03 118.22 158.80 39 4.66 41.32 79.24 118.48 159.09 40 4.76 41.50 79.48 118.78 159.44 41 4.86 41.70 79.76 119.13 159.84 42 4.98 41.92 80.08 119.53 160.29 43 5.11 42.17 80.44 119.97 160.79 44 5.26 42.46 80.84 120.46 161.34 45 5.42 42.78 81.28 121.00 161.93 46 5.62 43.14 81.76 121.58 162.56 47 5.83 43.53 82.29 122.20 163.22 48 6.07 43.96 82.86 122.86 163.91 49 6.36 44.43 83.47 123.56 164.65 50 6.69 44.95 84.14 124.32 165.46 51 7.06 45.53 84.87 125.16 166.36 52 7.47 46.17 85.68 126.08 167.35 53 7.93 46.87 86.57 127.09 168.43 54 8.45 47.64 87.55 128.20 169.62 55 9.02 ■48.50 88.63 129.43 170.94 56 9.66 49.45 89.82 130.79 172.39 57 10.36 50.49 91.13 132.28 173.97 58 11.14 51.64 92.56 133.90 175.69 59 12.00 52.82 94.11 135.66 177.57 60 12.96 54.29 95.80 137.58 179.61 263 AMER. EXP. MEAN RESERVES ^% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 199.43 243.02 288.24 335.15 383.82 21 199.43 243.01 288.22 335.12 383.78 22 199.43 243.00 288.20 335.10 383.75 23 199.43 243.00 288.19 335.08 383.72 24 199.44 243.00 288.18 335.06 383.69 25 199.45 243.01 288.18 335.04 383.66 26 199.47 243,02 288.18 335.03 383.63 27 199.50 243.04 288.19 335.02 383.61 28 199.54 243.06 288.21 335.02 383.60 29 199.58 243.09 288.23 335.03 383.59 30 199.63 243.14 288.26 335.05 383.59 31 199.69 243.20 288.30 335.08 383.60 32 190.77 243.27 288.36 335.12 383.62 33- 199.87 243.36 288.44 335.18 383.66 34 199.99 243.47 288.54 335.27 383.72 35 200.13 243.61 288.67 335.39 383.81 36 200.31 243.79 288.84 335.55 383.95 37 200.53 244.02 289.06 335.75 384.13 38 200.80 244.30 289.33 336.00 384.35 39 201.12 244.63 289.66 336.30 384.60 40 201.49 245.01 •290.04 336.64 384.88 41 201.92 245.45 290.46 337.01 385.18 42 202.40 245.93 290.91 337.40 385.48 43 202.93 246.45 291.39 337.80 385.79 44 203.50 247.00 291.89 338.21 386.10 45 204.10 247.57 292.40 338.63' 386.40 46 204.73 248.17 292.93 339.06 386.70 47 205.39 248.80 293.48 339.50 387.01 48 206.09 249.46 294.06 339.96 387.32 49 206.84 250.17 294.68 340.45 387.65 50 207.65 250.94 295.35 340.99 388.01 51 208.54 251.78 296.19 341.59 388.40 52 209.53 252.71 296.91 342.26 388.84 53 210.63 253.74 297.83 343.00 389.34 54 211.84 254.88 298.85 343.83 389.92 55 213.16 25614 299.98 344.75 390.57 56 214.61 257.53 301.22 345.77 391.29 57 216.20 259.05 302.58 346.88 392.07 58 217.94 260.71 304.06 348.08 392.89 59 219.83 262.51 305.65 349.36 393.75 60 221.88 264.44 307.35 350.70 394.63 264 AMER ^exp!^ mean reserves 3% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age 11 la 13 14 *» 20 434.32 486.73 541.14 597.61 656.25 21 434.27 486.67 541.07 597.54 656.18 22 434.23 486.61 541.00 597.47 656.11 23 434.19 486.56 540.93 597.40 656.04 24 434.15 486.51 540.86 597.33 655.96 25 434.11 486.46 540.79 497.25 655.87 26 434.07 486.41 540.72 ■597.17 655.77 27 434.03 486.36 540.65 597.08 655.67 28 43400 486.31 540.58 596.99 655.57 29 433.97 486.26 540.52 596.90 655.47 30 433.95 486.21 540.46 596.81 655.36 31 433.93 486.17 540.40 596.73 655.25 32 433.93 486.14 540.35 596.65 655.14 33 433.95 486.13 540.31 5%.58 655.03 34 433.99 486.14 540.29 596.51 654.92 35 434.05 486.16 540.29 596.45 654.80 36 434.14 486.21 540.30 596.39 654.67 37 434.27 486.28 540.30 596.32 654.53 38 434.44 486.40 540.30 596.25 654.39 39 434.63 486.5] 540.30 596.16 654.22 40 434.83 486.61 540.30 596.05 654.02 41 435.03 486.70 540.27 595.91 653.77 42 435.23 486.78 540.22 595.73 653.47 43 435.43 486.84 540.14 595.51 653.12 44 435.61 486.87 540.03 595.24 652.72 45 435.77 486.87 539.87 594.91 652.26 46 435.92 486.85 539.67 594.54 651.73 47 436.06 486.80 539.43 594.12 651.12 48 436.19 486.73 539.14 593.63 650.43 49 436.32 486.63 538.80 593.07 649.66 50 436.46 486.53 538.44 592.46 648.82 51 436.61 486.43 538.05 591.80 647.90 52 436.79 486.33 537.64 591.08 646.90 53 437.01 486.23 537.21 590.30 645.81 54 437.29 486.14 536.75 589.43 644.63 55 437.61 486.07 536.26 588.48 643.33 56 437.95 485.99 535.71 587.45 641.86 57 438.31 485.88 535.08 586.28 640.19 58 438.68 485.72 534.34 584.95 638.32 59 439.03 485.48 533.45 583.48 636.27 60 439.34 485.14 532.44 581.83 634.08 285 ^^ MEAN RESERVES 3% 20 Year Endowment FULL PRELIMINARY TERM YEARS Age i6 17 i8 19 30 20 717.15 780.40 846.13 914.43 985.44 21 717.08 780.34 846.07 914.40 985.44 22 717.01 780.27 846.01 914.37 985.44 23 716.93 780.20 845.95 914.34 985.44 24 716.84 780.12 845.88 914.30 985.44 25 716.75 780.03 845.81 914.26 985.44 26 716.65 779.93 845.73 914.21 985.44 27 716.55 779.83 845.65 914.16 985.44 28 716.44 779.73 845.56 914.10 985.44 29 716.33 779.62 845.46 914.04 985.44 30 716.21 779.50 845.35 913.97 985.44 31 716.09 779.37 845.23 913.89 985.44 32 715.96 779.23 845.10 913.80 985.44 33. 715.83 779.09 844.96 913.70 985.44 34 715.69 778.93 844.81 913.59 985.44 35 715.54 778.75 844.65 913.47 985.44 36 715.37 778.55 844.47 913.33 985.44 37 715.17 778.32 844.25 913.18 985.44 38 714.95 778.07 844.00 913.01 985.44 39 714.71 777.79 843.73 912.82 985.44 40 714.43 777.47 843.42 912.62 985.44 41 714.10 777.10 843.07 912.39 985.44 42 713.71 776.67 842.67 912.12 985.44 43 713.26 776.18 842.22 911.80 985.44 44 712.75 775.63 841.72 911.45 985.44 45 712.18 775.00 841.15 911.06 985.44 46 711.53 774.30 840.51 910.63 985.44 47 710.80 773.51 839.78 910.16 985.44 48 709.97 772.63 838.97 909.63 985.44 49 709.05 771.65 838.06 909.03 985.44 50 708.04 770.57 837.07 908.36 985.44 51 706.93 769.38 835.98 907.62 985.44 52 705.71 768.08 834.77 906.80 985.44 53 704.37 766.64 833.43 905.89 985.44 54 702.91 765.04 831.94 904.88 985.44 55 701.31 763.27 830.29 903.76 985.44 56 699.49 761.29 828.45 902.52 985.44 57 697.45 759.07 826.42 901.15 985.44 58 695.21 756.69 824.22 899.66 985.44 59 692.77 754.10 821.85 898.04 985.44 60 690.17 751.36 819.30 896.26 985.44 266 AMER EXP MEAN RESERVES 3% 1 5 Year Endowment FULL PRELIMINARY TERM YEARS Age I ■2 3 4 5 20 3.79 58.28 114.81 173.44 234.28 21 3.82 58.29 114.80 173.43 234.26 22 3.84 58.30 114.80 173.42 234.24 23 3.86 58.31 114.81 173.41 234.22 24 3.89 58.33 114.81 173.40 234.20 25 3.92 58.35 114.82 173.39 234.18 26 3.95 58.37 114.82 173.38 234.16 27 3.98 58.39 114.83 173.38 234.14 28 4.01 58.41 114.84 173.38 234.12 29 4.05 58.44 114.85 173.38 234.10 30 4.09 58.47 114.87 173.38 234.08 31 4.13 58.50 114.89 173.38 234.06 32 4.18 58.54 114.91 173.39 234.05 33 4.23 58.58 114.94 173.40 234.04 34 4.28 58.63 114.97 173.41 234.03 35 4.34 58.68 115.00 173.42 234.02 36 4.41 58.74 115.04 173.44 234.02 37 4.48 58.80 115.09 173.47 234.02 38 4.57 58.87 115.15 173.51 234.04 3? 4.66 58.96 115.22 173.57 234.08 40 4.76 59.06 115.31 173.65 234.14 41 4.86 59.18 115.43 173.75 234.22 42 4.98 59.31 115.57 173.87 234.32 43 5.11 59.46 115.73 174.01 234.43 44 5.26 59.63 115.91 174.17 234.55 45 5.42 59.82 116.11 174.35 234.67 46 5.62 60.04 116.32 174.54 234.78 47 5.83 60.28 116.54 174.71 234.87 48 6.07 60.54 116.77 174.88 234.94 49 6.36 60.83 117.02 175.05 235.00 50 6.69 61.15 117.29 175.23 235.06 51 7.06 61.50 117.59 175.43 235.12 52 7.47 61.89 117.92 175.64 235.18 53 7.93 62.33 118.28 175.87 235.24 54 8.45 62.82 118.67 176.13 235.32 55 9.02 63.36 119.11 176.43 235.42 56 9.66 63.95 119.61 176.77 235.54 57 10.36 64.61 120.17 177.16 235.69 58 11.14 65.35 120.80 . 177.60 235.87 59 12.00 66.18 121.50 178.09 236.09 60 12.96 67.10 122.28 178.65 236.35 "^1^ MEAN RESERVES 3% 1 5 Year Endowment FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 297.41 362.92 430.90 501.46 574.72 21 297.37 362.87 430.85 501.40 574.66 22 297.34 362.83 430.80 501.34 574.60 2Z 297.31 362.79 430.75 501.28 574.54 24 297.28 362.75 430.69 501.22 574.47 25 297.24 362.70 430.63 501.15 574.39 26 297.21 362.65 430.57 501.08 574.31 27 297.17 362.60 430.51 501.01 574.23 28 297.14 362.55 430.45 500.94 574.14 29 297.10 362.50 430.38 500.86 574.04 30 297.07 362.45 430.31 500.77 573.94 31 297.03 362.39 430.23 500.67 573.83 32 297.00 362.33 430.15 500.57 573.71 iz 296.96 362.26 430.06 500.46 573.59 34 296.93 362.19 429.97 500.35 573.46 35 296.90 362.13 429.88 500.23 573.32 36 296.87 362.07 429.79 500.11 573.18 37 296.84 362.02 429.71 500.00 573.03 38 296.83 361.98 429.64 499.89 572.88 39 296.84 361.96 429.58 499.78 572.72 40 296.87 361.95 429.52 499.66 572.55 41 296.91 361.95 429.45 499.53 572.35 42 296.97 361.95 429.37 499.37 572.12 43 297.03 361.93 429.27 499.18 571.85 44 297.08 361.89 429.13 498.94 571.53 45 297.11 361.82 428.95 498.65 571.15 46 297.12 361.72 428.73 498.31 570.69 47 297.10 361.58 428.46 497.90 570.15 48 297.05 361.40 428.13 497.42 569.54 49 296.98 361.18 . 427.74 496.87 568.86 50 296.89 360.92 427.29 496.25 568.10 51 296.78 360.62 426.79 495.56 567.25 52 296.65 360.28 426.24 494.80 566.30 53 296.52 359.91 425.64 493.96 565.25 54 296.39 359.52 424.98 493.04 564.10 55 296.25 359.10 424.27 492.03 562.84 56 296.10 358.65 423.51 490.94 561.47 57 295.95 358.18 422.69 489.77 559.99 58 295.81 357.68 421.78 488.50 558.37 59 295.69 357.16 420.84 487.12 556.59 60 295.58 356.62 419.81 485.61 554.63 268 ^xp!^ mean reserves 3% 15 Year Endowment FULL PRELIMINARY TERM YEARS Age II » 13 14 IS 20 650.76 729.73 811.74 896.93 985.44 21 650.70 729.67 811.69 896.90 985.44 22 650.63 729.61 811.64 896.87 985.44 23 650.56 729.55 811.59 896.84 985.44 24 650.49 729.48 811.54 896.81 985.44 25 650.42 729.41 811.48 896.77 985.44 26 650.34 729.34 811.42 896.73 985.44 27 650.26 729.26 811.35 896.69 985.44 28 650.17 729.17 811.28 896.64 985.44 29 650.07 729.07 811.20 896.59 985.44 30 649.96 728.96 811.11 896.53 985.44 31 649.84 728.85 811.01 896.47 985.44 32 649.72 728.73 810.91 896.40 985.44 33 649.59 728.60 810.80 896.33 985.44 34 649.45 728.46 810.68 896.25 985.44 35 649.30 728.31 810.54 896.16 985.44 36 649.14 728.15 810.39 896.06 985.44 Z7 648.97 727.97 810.23 895.95 985.44 38 648.79 727.77 810.05 895.83 985.44 39 648.59 727.SS 809.85 895.70 985.44 40 648.37 727.31 809.62 895.55 985.44 41 648.12 727.04 809.36 895.38 985.44 42 647.83 726.7Z 809.06 895.18 985.44 43 647.49 726.Z7 808.71 894.95 985.44 44 647.09 725.95 808.32 894.69 985.44 45 646.63 725.47 807.88 894.40 985.44 46 646.11 724.92 807.39 894.08 985.44 47 645.51 724.29 806.83 893.71 985.44 48 644.82 723.57 806.20 893.29 985.44 49 644.04 72276 805.49 892.82 985.44 50 643.16 721.86 804.69 892.30 985.44 51 642.18 720.86 803.80 891.71 985.44 52 641.10 719.74 802.81 891.05 985.44 53 639.91 718.51 801.72 890.32 985.44 54 638.61 717.16 800.51 889.52 985.44 55 637.18 715.68 799.17 888.64 985.44 56 635.62 714.06 797.70 887.67 985.44 57 633.91 712.27 796.08 886.59 985.44 58 632.02 710.29 794.28 885.38 985.44 59 629.94 708.10 792.28 884.04 985.44 60 627.64 705.67 790.06 882.57 - 985.44 269 ^Expf MEAN RESERVES 3% 10 Year Elndowment. FULL PRELIMINARY TERM YEARS • A^e I 3 3 4 5 20 3.79 97.33 194.40 295.14 399.69 21 3.82 97.33 194.39 295.12 399.66 22 3.84 97.34 194.38 295.10 399.63 23 3.86 97.35 194.37 295.08 399.60 24 3.89 97.36 194.36 295.05 399.56 25 3.92 97.37 194.35 295.02 399.52 26 3.95 97.38 194.34 294.99 399.48 27 3.98 97.39 194.33 294.96 399.43 28 4.01 97.40 194.32 294.93 399.38 29 4.05 97.41 194.31 294.90 399.33 30 4.09 97.42 194.30 294.86 399.28 31 4.13 • 97.43 194.29 294.82 399.22 32 4.18 97.45 194.28 294.78 399.16 33 4.23 97.47 194.27 294.74 399.09 34 4.28 97.49 194.26 294.70 399.02 35 4.34 97.52 194.25 294.65 398.94 36 4.41 97.55 194.23 294.60 398.85 37 4.48 97.58 194.21 294.55 398.75 38 5.57 97.61 194.19 294.49 398.65 39 4.66 97.65 194.18 294.43 398.55 40 4.76 97.69 194.17 294.37 398.45 41 4.86 97.74 194.17 294.31 398.34 42 4.98 97.80 194.17 294.25 398.23 43 5.11 97.87 194.18 294.19 398.10 44 5.26 97.95 194.19 294.12 397.95 45 5.42 98.04 194.21 294.04 397.78 46 5.62 98.14 194.22 293.94 397.58\ 47 5.83 98.26 194.22 293.82 397.34 48 6.07 98.39 . 194.21 293.67 397.05 49 6.36 98.54 194.19 293.49 396.71 50 6.69 98.70 194.16 293.28 396.33 51 7.06 98.88 194.12 293.04 395.90 52 7.47 99.08 194.08 292.77 395.41 53 7.93 99.30 194.03 292.46 394.86 54 8.45 99.54 193.97 292.11 394.25 55 9.02 99.80 193.91 291.73 393.58 56 9.66 100.09 193.85 291.32 392.85 57 10.36 100.42 193.79 290.87 392.05 58 11.14 10^179 193.73 290.37 391.17 59 12.00 101.20 193.66 289.82 390.20 60 12.96 101.65 193.59 289.22 389.13 270 AMER. EXP. MEAN RESERVES ^% 10 Year Elndowinent. FULL PRELIMINARY TERM YEARS Age 6 7 8 9 lO 20 508.22 620.88 737.85 859.30 985.44 21 508.18 620.84 737.81 859.28 985.44 22 508.14 620.80 737.77 859.26 985.44 23 508.10 620.76 737.73 859.23 985.44 24 508.05 620.71 737.69 859.20 985.44 25 508.00 620.66 737.64 859.17 985.44 26 507.95 620.61 737.59 859.14 985.44 27 507.90 620.56 737.54 859.11 985.44 28 507.84 620.50 737.49 859.08 985.44 29 507.78 620.43 737.44 859.05 985.44 30 507.72 620.36 737.38 859.01 985.44 31 507.65 620.28 737.32 858.96 985.44 32 507.57 620.19 737.25 858.91 985.44 33 507.49 620.10 737.17 858.85 985.44 34 507.40 620.00 737.08 858.78 985.44 35 507.30 619.89 736.98 858.71 985.44 36 507.19 619.77 736.87 858.64 985.44 37 507.07 619.64 736.75 858.56 985.44 38 506.95 619.50 736.62 858.47 985.44 39 506.82 619.35 736.48 858.37 985.44 40 506.68 619.19 736.33 858.26 985.44 41 506.53 619.02 736.16 858.14 985.44 42 506.36 618.83 735.97 858.01 985.44 43 506.17 618.61 735.75 857.86 985.44 44 505.95 618.35 735.49 857.69 985.44 45 505.70 618.05 735.20 857.49 985.44 46 505.40 617.70 734.87 857.26 985.44 47 505.05 617.30 734.49 857.00 985.44 48 504.65 616.84 734.05 856.70 985.44 49 504.20 616.32 733.55 856.36 985.44 50 503.69 615.74 732.99 855.98 985.44 51 503.11 615.09 732.37 855.56 985.44 52 502.46 614.36 731.68 855.09 985.44 53 501.74 613.55 730.91 854.57 985.44 54 500.94 612.65 730.05 853.99 985.44 55 500.05 611.65 729.10 853.34 985.44 56 499.07 610.54 728.05 852.62 985.44 57 497.98 609.31 726.89 851.82 985.44 58 496.78 607.95 725.60 850.94 985.44 59 495.47 606.45 724.18 849.97 985.44 60 494.03 604.81 722.61 848.88 985.44 271 AMER. EXP. MEAN RESERVES ^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age I 3 3 4 5 20 75.55 73.04 70.42 67.71 64.89 21 76.56 74.04 71.42 68.70 65.87 22 77.65 75.13 72.50 69.78 66.94 23 78.85 76.32 73.69 70.96 68.12 24 80.16 77.63 75.00 72.26 69.40 25 81.61 79.08 76.44 73.70 70.83 26 83.20 80.67 78.03 75.28 72.40 27 84.97 82.45 79.80 77.05 74.16 28 86.95 84.42 81.78 79.02 76.12 29 89.15 86.63 83.99 81.23 78.32 30 91.64 89.13 86.49 83.72 80.80 31 94.44 91.94 89.31 86.54 83.62 32 97.61 95.12 92.49 89.73 86.80 33 101.16 98.69 96.08 93.32 90.39 34 105.15 102.71 100.11 97.36 94.43 35 109.64 107.22 104.64 101.90 98.97 36 114.65 112.26 109.70 106.97 104.04 37 120.24 117.89 115.36 112.65 109.73 38 126.47 124.16 121.67 118.98 116.07 39 133.39 131.12 128.67 126.01 123.12 40 141.04 138.84 136.44 133.82 130.94 41 149.52 147.38 145.03 142.45 139.59 42 158.86 156.80 154.51 151.97 149.13 43 169.14 167.16 164.94 162.44 159.61 44 180.41 178.52 176.36 173.90 171.09 45 192.72 190.93 188.85 186.43 183.62 46 206.16 204.47 202.47 200.09 197.27 47 220.78 219.20 217.27 214.93 212.10 48 236.63 235.16 233.30 231.00 228.19 49 253.77 252.41 250.64 248.40 245.59 50 272.22 271.00 269.32 267.14 264.35 51 292.02 290.94 289.38 287.26 284.50 52 313.16 312.24 310.80 308.77 306.04 53 335.58 334.82 333.52 331.58 328.91 54 359.15 358.58 357.43 355.60 353.01 55 383.78 383.40 382.41 380.72 378.21 56 409.34 409.18 408.38 406.83 404.42 57 435.75 435.82 435.22 433.84 431.55 58 462.95 463.27 462.89 461.69 459.54 59 490.88 491.47 491.33 490.35 488.39 60 519.46 520.34 520.48 519.76 518.02 272 AMER ''^- MEAN RESERVES 3% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 6 7 8 9 lO 20 61.97 58.93 55.77 52.47 49.05 21 62.94 59.88 56.70 53.38 49.92 22 63.99 60.92 57.72 54.37 50.88 23 65.15 62.06 58.84 55.47 51.95 24 66.43 63.31 60.07 56.67 53.11 25 67.84 64.71 61.44 58.01 54.41 26 69.40 66.25 62.95 59.48 55.85 27 71.14 67.97 64.64 61.14 57.46 28 73.08 69.89 66.53 63.00 59.27 29 75.26 72.05 68.67 65.09 61.30 30 77.74 74.50 71.09 67.46 63.62 31 80.54 77.28 73.83 70.16 66.25 32 83.71 80.43 76.93 73.21 69.24 33 87.29 83.97 80.45 76.67 72.64 34 91.31 87.97 84.41 80.58 76.48 35 95.83 92.47 88.87 84.99 80.81 36 100.90 97.53 93.89 89.95 85.67 37 106.59 103.19 99.50 95.49 91.12 38 112.93 109.50 105.77 101.68 97.18 39 119.97 116.52 112.73 108.55 103.91 40 127.79 124.30 120.44 116.15 111.35 41 136.42 132.90 128.96 124.53 119.54 42 145.95 142.37 138.33 133.74 128.53 43 156.41 152.76 148.60 143.84 138.40 44 167.85 164.12 159.83 154.88 149.20 45 180.34 176.52 172.09 166.94 160.99 46 193.95 190.04 185.46 180.10 173.86 47 208.74 204.73 200.00 194.42 187.88 48 224.78 220.68 215.79 209.98 203.12 49 24'2.14 237.95 232.90 226.85 219.68 50 260.87 256.58 251.37 245.09 237.59 51 280.99 276.62 271.26 264.75 256.91 52 302.52 298.08 292.58 285.83 277.65 53 325.40 320.90 315.25 308.28 299.76 54 349.51 344.96 339.19 331.99 323.15 55 374.74 370.16 364.27 356.87 347.71 56 401.00 396.39 390.42 382.84 373.36 57 428.19 423.60 417.56 409.80 400.04 58 456.29 451.74 445.66 437.77 427.74 59 485.28 480.80 474.72 466.74 456.51 60 515.08 510.73 504.72 496.71 486.34 273 AMER. EXP. MEAN RESERVES 2i% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. k^EARS Age II 12 X3 14 15 20 45.47 41.73 37.84 33.75 29.48 21 46.31 42.54 38.60 34.45 30.12 22 47.24 43.42 39.42 35.22 30.81 23 '48.26 44.39 40.34 36.07 31.58 24 49.38 45.46 41.35 37.01 32.43 25 50.63 46.66 42.48 38.05 33.37 26 52.02 47.98 43.73 39.20 34.42 27 53.58 49.47 45.13 40.51 35.61 28 55.32 51.14 46.70 41.98 36.95 29 57.29 53.02 48.49 43.65 38.48 30 59.53 55.18 50.54 45.57 40.25 31 62.0Q 57.64 52.89 47.78 42.28 .32 65.00 60.46 55.57 50.31 44.61 33 68.31 63.65 58.63 53.18 47.25 34 72.05 67.27 62.08 56.42 50.23 35 76.28 71.35 65.97 60.07 53.57 36 . 81.02 75.92 70.32 64.14 57.29 37 86.32 81.03 75.18 68.67 61.42 38 92.22 86.71 80.56 73.69 65.99 39 98.75 92.98 86.50 79.22 71.04 40 105.96 99.89 93.05 85.33 76.61 41 113.89 107.50 100.27 92.07 82.75 42 122.61 115.88 108.21 99.48 89.52 43 132.18 125.07 116.93 107.62 96.96 44 142.65 135.13 126.48 116.54 105.12 45 154.09 146.13 136.93 126.32 114.08 46 166.60 158.16 148.38 137.05 123.92 47 180.22 171.29 160.89 148.78 134.69 48 195.06 185.61 174.53 161.59 146.48 49 211.19 201.18 189.40 175.58 159.38 50 228.65 218.06 205.55 190.80 173.44 51 247.52 236.33 223.05 207.33 188.74 52 267.80 256.00 241.93 225.19 205.29 53 289.44 277.02 262.13 244.32 223.06 54 312.37 299.31 283.57 264.65 241.95 55 336.46 322.76 306.15 286.08 261.87 56 361.65 347.31 329.81 308.56 282.79 57 387.89 372.90 354.52 332.07 304.71 58 415.17 399.57 380.33 356.70 327.81 59 443.58 427.42 407.37 382.67 352.37 60 473.13 456.51 435.81 410.20 378.67 274 AMER EXP MEAN RESERVES ^% 20 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age l6 17 i8 19 30 20 25.00 20.30 15.36 10.15 4.65 21 25.56 20.77 15.72 10.39 4.75 22 26.17 21.28 16.12 10.65 4.86 23 26.85 21.85 16.55 10.94* 4.98 24 27.59 22.46 17.03 11.25 5.11 25 28.42 23.16 17.57 11.62 5.26 26 29.34 23.94 18.18 12.02 5.42 27 30.39 24.83 18.88 12.49 5.62 2S 31.58 25.84 19.67 13.02 5.83 29 32.95 27.00 20.58 13.63 6.07 30 3452 28.34 21.64 14.34 6.36 31 36.34 29.89 22.86 15.16 . 6.69 32 3841 31.66 24.25 16.08 7.06 33 40.77 33.65 25.80 17.11 7.47 34 43.42 35.89 27.54 18.26 7.93 35 46.37 38.38 29.48 19.55 8.45 36 49.66 41.14 31.63 20.98 9.02 37 53.30 44.22 34.03 22.57 9.65 38 57.35 47.63 36.68 24.32 10.36 39 61.81 51.39 39.60 26.26 11.13 40 66.73 55.54 42.84 2841 12.00 41 72.17 60.12 46.42 30.79 12.96 42 78.15 65.19 50.38 33.43 14.02 43 84.75 70.78 54.75 36.35 15.19 44 92.00 76.92 59.55 39.55 16.48 45 99.96 83.67 64.84 43.08 17.90 46 108.72 91.10 70.69 47.01 19.48 47 118.32 99.28 77.13 51.33 21.22 48 128.85 108.27 84.23 56,10 23.13 49 140.40 118.15 92.04 61.37 25.24 50 153.01 128.95 100.61 67.14 27.55 51 166.75 140.76 109.98 73.48 30.09 52 181.66 153.58 120.18 80.38 32.85 53 197.68 167.37 131.15 87.78 35.79 54 21471 182.04 142.80 95.64 38.92 55 232.69 197.51 155.11 103.99 42.24 56 251.58 213.82 168.17 112.90 45.81 57 271.47 231.11 182.13 122.53 49.66 58 292.58 249.66 197.29 133.11 53.91 59 315.27 269.83 214.00 144.92 58.65 60 339.86 291.97 232.55 158.15 63.95 275 ^^' MEAN RESERVES ^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age I 2 3 4 5 20 56.50 53.62 50.63 47.54 44.33 21 57.08 54.19 51.18 48.07 44.84 22 57.71 54.81 51.79 48.66 45.42 23 58.40 55.48 52.45 49.31 46.03 24 59.15 56.22 53.18 50.01 46.72 25 59.98 57.03 53.97 50.78 47.46 26 60.88 57.92 54.84 51.64 48.29 27 61.87 58.89 . 55.79 52.56 49.19 28 62.95 59.96 . 56.84 53.59 50.19 29 64.13 61.13 57.99 54.71 51.28 30 65.45 62.43 59.27 55.96 52.49 31 66.91 63.87 60.68 57.34 53.84 32 ' 68.53 65.47 62.26 58.90 55.35 33 70.34 67.27 64.03 60.63 57.05 34 72.38 69.29 66.03 62.59 58.96 35 74.69 71.58 68.29 64.82 . 61.13 36 77.31 74.18 70.86 67.34 63.60 37 80.27 77.12 73.77 70.21 66.41 38 83.61 80.44 77.06 73.46 69.60 39 87.37 84.18 80.77 77.12 73.21 40 91.59 88.39 84.95 81.26 77.27 41 96.33 93.12 89.65- 85.90 81.83 42 101.63 98.40 94.89 91.09 86.93 43 107.54 104.28 100.74 96.86 92.60 44 114.08 110.81 107.22 103.26 98.88 45 121.34 118.05 114.40 110.35 105.82 46 129.35 126.03 122.32 118.16 113.46 47 138.20 134.84 131.04 126.74 121.86 48 147.91 144.50 140.61 136.17 131.08 49 158.55 155.08 151.08 146.48 141.18 50 170.18 166.65 162.54 157.77 152.24 51 182.90 179.30 175.07 170.12 164.34 52 196.75 193.09 188.73 183.59 177.54 53 211.82 208.08 203.59 198.25 191.92 54 228.17 224.36 219.74 214.19 207.57 55 245.85 241.97 237.21 231.45 224.53 56 264.91 260.96 256.08 250.11 242.88 57 285.36 281.36 276.34 270.16 262.62 58 307.14 303.09 297.95 291.56 283.70 59 330.16 326.06 320.81 314.21 306.05 60 354.32 350.20 344.84 338.05 329.58 276 AMER. EXP. MEAN RESERVES ^% 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 6 7 8 9 ID 20 41.00 37.54 33.95 30.22 26.34 21 41.49 38.01 34.39 30.62 26.70 22 42.04 38.53 34.88 31.07 27.10 23 42.63 39.09 35.40 31.56 27.54 24 43.29 39.71 35.99 32.10 28.04 25 44.01 40.40 36.64 32.70 28.57 26 44.80 41.16 37.35 33.36 29.18 27 45.67 41.99 38.12 34.08 29.83 28 46.63 42.90 38.99 34.88 30.56 29 47.68 43.90 39.94 35.76 31.36 30 48.85 45.03 41.00 36.75 32.25 31 50.15 46.27 42.17 37.84 33.24 32 51.62 47.67 43.49 39.06 34.36 33 53.25 49.24 44.98 40.45 35.63 34 55.10 51.01 46.66 42.03 37.08 35 57.21 53.04 48.60 43.85 38.76 36 59.61 55.36 50.82 45.94 40.68 37 62.36 58.01 53.35 48.32 42.89 38 65.47 61.03 56.23 51.04 45.39 39 68.99 64.43 59.49 54.10 48.21 40 72.96 68.27 63.15 57.54 51.36 41 77.41 72.57 67.25 61.38 54.87 42 82.37 77.36 71.82 65.65 58.77 43 87.90 82.68 76.86 70.36 63.07 44 94.01 88.55 82.43 75.56 67.82 45 100.74 95.02 88.58 81.30 73.07 46 108.15 102.15 95.34 87.62 78.85 47 116.31 109.99 102.80 94.59 85.23 48 125.27 118.61 110.99 102.25 92.24 49 135.08 128.06 119.97 110.66 99.95 50 145.83 138.40 129.81 119.89 108.42 51 157.59 149.74 140.61 130.02 117.74 52 170.44 162.13 152.44 141.12 127.94 53 184.45 175.66 165.35 153.27 139.13 54 199.71 190.41 179.45 166.54 151.38 55 216.27 206.43 194.77 181.00 164.76 56 234.19 223.79 211.42 196.74 179.33 57 253.49 242.53 229.41 213.76 195.12 58 274.14 262.59 248.69 232.03 212.09 59 296.05 283.89 269.18 251.46 230.15 60 319.13 306.35 290.80 271.97 249.22 277 ^^- MEAN RESERVES 3^ 15 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age II 12 13 14 15 20 22.29 18.08 13.68 9.09 4.29 21 22.61 18.34 13.88 9.22 4.34 22 22.96 18.64 14.11 9.38 4.41 23 23.35 18.96 14.36 9.54 4.48 24 23.78 19.32 14.65 9.74 4.57 25 24.25 19.72 14.96 9.95 4.65 26 24.79 20.17 15.31 10.18 4.75 27 25.37 20.66 15.69 10.43 4.86 28 26.01 21.19 16.10 10.70 4.98 29 26.70 21.78 16.55 11.01 5.11 30 27.49 22.44 17.07 11.36 5.26 31 28.36 23.18 17.65 11.75 5.42 32 29.36 24.03 18.32 12.20 5.62 33 30.49 24.99 19.08 12.71 5.83 34 31.78 26.09 19.95 13.30 6.07 35 33.28 27.37 20.96 13.99 6.36 36 35.00 28.84 22.13 14.78 0.69 37 36.98 30.53 23.46 15.67 7.06 38 39.21 32.43 24.95 16.67 7.47 39 41.72 34.55 26.61 17.77 7.93 40 44.52 36.92 28.45 19.01 8.45 41 47.63 39.54 30.51 20.39 9.02 42 51.07 42.46 32.79 21.91 9.65 43 54.89 45.69 35.31 23.60 10.36 44 59.10 49.25 38.10 25.46 11.13 45 63.75 53.18 41.17 27.53 12.00 46 68.88 57.52 44.58 29.82 12.96 47 74.53 62.32 48.35 32.36 14.02 48 80.77 67.62 52.52 35.16 15.19 49 87.63 73.45 57.10 38.25 16.48 50 95.18 79.86 62.15 41.65 17.90 51 103.48 86.93 67.73 45.43 19.48 52 112.59 94.71 73.89 49.60 21.22 53 122.60 103.28 80.67 54.19 23.13 54 133.59 112.70 88.15 59.28 25.24 55 145.60 123.01 96.35 64.85 27.55 56 158.71 134.29 105.34 70.97 30.09 57 172.95 146.55 115.12 77.64 32.85 58 188.24 159.74 125.64 84.78 35.79 59 204.54 173.78 136.81 92.37 38.92 60 221.75 188.60 148.62 100.43 42.24 278 AMER '^ MEAN RESERVES ^% 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS » A«e I a 3 4 « 20 37.81 34.57 31.22 27.74 24.15 21 38.12 34.87 31.49 28.00 24.38 22 38.46 35.18 31.79 28.27 24.62 23 38.82 35.53 32.11 28.57 24.89 24 39.21 35.90 32.46 28.89 25.18 25 39.64 36.31 32.84 29.25 25.50 26 40.10 36.74 33.25 29.62 25.84 27 40.60 37.22 33.70 30.03 26.21 28 41.15 37.74 34.18 30.49 26.63 29 41.75 38.31 34.73 30.99 27.08 , ^ 42.41 38.95 35.32 31.54 27.58 31 43.14 39.64 35.98 32.15 28.14 32 43.94 40.40 36.70 32.82 28.75 33 44.81 41.24 37.49 33.56 29.42 34 45.78 42.16 38.36 34.37 30.16 35 .46.85 43.19 39.34 35.28 30,98 j 36 48.04 44.33 40.42 36.28 31.90 37 49.38 45.61 41.63 37.41 32.94 38 50.87 47.05 42.99 38.69 34.11 39 52.57 48.68 44.55 40.15 35.46 40 54.50 50.54 46.33 41.83 37.01 41 56.71 52.68 48.38 43.76 38.80 42 59.22 55.12 50.71 45.97 40.83 43 62.06 57.87 53.35 48.46 43.14 .44 65.26 60.98 56.33 51.27 45.74 45 68.87 64.47 59.68 54.42 48.64 46 72.90 68.38 63.41 57.93 51.85 47 77.40 72n 67.56 61.82 55.42 48 82.39 77.55 72.16 66.13 59.37 49 87.91 82.87 77.22 70.88 63.73 56 94.01 88.76 82.83 7613 68.55 51 100.74 95.25 89.02 81.94 73.87 52 108.17 102.42 95.84 88.34 79.75 53 116.34 110.30 103.35 95.38 86.22 54 125.31 118.95 111.60 103.13 93.35 55 135.14 128.44 120.65 111.63 101.18 56 145.93 138.86 130.60 120.99 109.79 57 157.72 150.26 141.50 131.25 119.25 58 170.61 162.73 153.42 142.48 129.62 59 184.67 176.34 166.45 154.77 140.99 60 199.95 191.15 180.65 168.18 153.42 279 "^^ MEAN RESERVES ^% 10 Year Mortuary Additions (LEVEL PREMIUM RESERVE) Per $i,ooo of Additions actually in force. YEARS Age 6 7 8 9 lO 20 20.42 16.56 12.55 8.38 4.05 21 20.62 16.73 12.68 8.47 4.09 22 20.84 16.90 12.82 8.56 4.13 23 21.07 17.10 12.96 8.66 4.18 24 21.33 17.31 13.13 8.78 4.23 25 21.61 17.55 13.32 8.90 4.29 26 21.90 17.80 13.51 9.03 4.34 27 22.24 18.07 13.73 9.18 4.41 28 22.59 18.37 13.96 9.34 4.48 29 22.99 18.72 14.23 9.52 4.57 30 23.44 19.09 14.53 5.72 4.65 31 23.93 19.51 14.86 9.94 4.75 32 24.47 19.97 15.21 10.18 4.86 33 25.07 20.46 15.60 10.44 4.98 34 25.71 21.01 16.02 10.73 5.11 35 26.44 21.63 16.51 11.07 5.26 36 27.25 22.31 17.06 11.44 5.42 37 28.18 23.11 17.69 11.87 5.62 38 29.23 24.01 18.40 12.36 5.83 39 30.43 25.04 19.22 12.92 6.07 40 31.83 26.23 20.17 13.58 6.36 41 33.43 27.61 21.28 14.33 6.69 42 35.26 29.19 22.52 15.18 7.06 43 37.33 30.96 23.92 16.12 7.47 44 39.65 32.92 25.46 17.17 7.93 45 42.23 35.11 27.19 18.35 8.45 46 45.09 37.54 29.11 19.65 9.02 47 48.26 40.24 31.24 21.09 9.65 48 51.78 43.23 33.59 22.69 10.36 49 55.66 46.53 36.19 24.46 11.13 50 59.95 50.18 39.07 26.42 12.00 51 64.69 54.21 42.26 28.60 12.96 52 69.92 58.68 45.79 31.01 14.02 53 75.70 63.61 49.69 33.67 15.19 54 82.06 69.04 53.99 , 36.60 16.48 55 89.06 75.01 58.72 39.83 17.90 56 96.76 81.60 63.96 43.42 19.48 57 105.23 88.86 69.74 47.39 21.22 58 114.53 96.85 76.11 51.76 23.13 59 124.76 105.65 83.13 56.59 25.24 60 135.95 115.29 90.84 61.89 27.55 THIS BOOK IS DUl! ON THE LAST DATE STAMPED BELOW AN INITIAL FINE OF 25 CENTS WILL BE ASSESSED FOR FAILURE TO RETURN THIS BOOK ON THE DATE DUE. THE PENALTY WILL INCREASE TO 50 CENTS ON THE FOURTH DAY AND TO $1.00 ON THE SEVENTH DAY OVERDUE. MAv K m'' MAD A IQiiO tnnn rfc t9tv LD 21-95tn-7,'37 J YEa2B94: 13219 UNIVERSITY OF CALIFORNIA LIBRARY