CANADIAN ORDINARY STANDARD EXPERIENCE
|
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
|
EXPECTED CIA 86-92 TABLES
|
Index of Tables
|
TABLE 1
|
TOTAL EXPERIENCE
|
TABLE 2.1
|
TOTAL EXPERIENCE -- MALES
|
TABLE 2.2
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 3.1
|
TOTAL EXPERIENCE -- MALES, MEDICAL UNDERWRITING
|
TABLE 3.2
|
TOTAL EXPERIENCE -- MALES, NON-MEDICAL UNDERWRITING
|
TABLE 3.3
|
TOTAL EXPERIENCE -- MALES, PARAMEDICAL UNDERWRITING
|
TABLE 3.4
|
TOTAL EXPERIENCE -- MALES, UNKNOWN UNDERWRITING
|
TABLE 3.5
|
TOTAL EXPERIENCE -- FEMALES, MEDICAL UNDERWRITING
|
TABLE 3.6
|
TOTAL EXPERIENCE -- FEMALES, NON-MEDICAL UNDERWRITING
|
TABLE 3.7
|
TOTAL EXPERIENCE -- FEMALES, PARAMEDICAL UNDERWRITING
|
TABLE 3.8
|
TOTAL EXPERIENCE -- FEMALES, UNKNOWN UNDERWRITING
|
TABLE 8.1
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 8.2
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
TABLE 8.3
|
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
TABLE 8.4
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 8.5
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
TABLE 8.6
|
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
TABLE 9.1
|
TOTAL EXPERIENCE -- WHOLE LIFE
|
TABLE 9.2
|
TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
|
TABLE 9.3
|
TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
|
TABLE 9.4
|
TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
|
TABLE 9.5
|
TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
|
TABLE 9.6
|
TOTAL EXPERIENCE -- TERM TO 100
|
TABLE 10.1
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.2
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.3
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.4
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.6
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.7
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.8
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.9
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.10
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.11
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.12
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 1
TOTAL EXPERIENCE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
49.8
|
4.4
|
37.5
|
129
|
29,687
|
377,951
|
128,178,013
|
259
|
79,101
|
2
|
56.4
|
4.0
|
39.0
|
199
|
42,192
|
366,628
|
124,595,294
|
353
|
108,225
|
3
|
56.8
|
3.8
|
44.4
|
221
|
49,249
|
340,284
|
108,473,952
|
389
|
110,841
|
4
|
56.8
|
3.7
|
44.0
|
241
|
53,294
|
319,173
|
101,042,659
|
424
|
121,062
|
5
|
56.4
|
3.5
|
38.7
|
263
|
47,661
|
292,875
|
86,542,954
|
466
|
123,132
|
6-10
|
58.9
|
1.3
|
50.1
|
2,050
|
369,637
|
1,352,487
|
326,280,630
|
3,482
|
737,293
|
11-15
|
60.2
|
1.1
|
59.1
|
3,254
|
358,326
|
1,055,872
|
139,636,675
|
5,405
|
605,958
|
Total
|
59.0
|
0.7
|
50.4
|
6,357
|
950,046
|
4,105,270
|
1,014,750,178
|
10,779
|
1,885,612
|
Select Experience By Issue Age
|
0-4
|
50.1
|
8.4
|
49.0
|
36
|
2,352
|
296,325
|
20,273,209
|
72
|
4,805
|
5-14
|
51.4
|
7.7
|
58.2
|
45
|
4,268
|
202,222
|
18,280,023
|
88
|
7,329
|
15-24
|
65.9
|
5.5
|
59.4
|
141
|
16,655
|
353,003
|
50,171,573
|
214
|
28,048
|
25-34
|
52.6
|
2.6
|
44.9
|
403
|
85,205
|
996,707
|
280,822,108
|
766
|
189,723
|
35-44
|
60.4
|
1.8
|
52.2
|
1,065
|
240,351
|
1,125,163
|
373,389,141
|
1,764
|
460,528
|
45-54
|
57.9
|
1.5
|
48.3
|
1,583
|
267,780
|
757,986
|
206,975,236
|
2,733
|
554,097
|
55-64
|
57.0
|
1.5
|
44.5
|
1,543
|
164,865
|
294,318
|
54,842,978
|
2,707
|
370,831
|
65-74
|
61.2
|
1.8
|
58.7
|
1,199
|
115,813
|
72,336
|
8,774,737
|
1,958
|
197,295
|
75-89
|
71.7
|
3.9
|
71.4
|
341
|
51,898
|
7,205
|
1,219,945
|
475
|
72,655
|
90+
|
81.6
|
81.6
|
284.3
|
1
|
859
|
6
|
1,228
|
1
|
302
|
Total
|
59.0
|
0.7
|
50.4
|
6,357
|
950,046
|
4,105,270
|
1,014,750,178
|
10,779
|
1,885,612
|
Ultimate Experience By Attained Age
|
15-19
|
59.3
|
9.7
|
50.9
|
37
|
1,578
|
112,352
|
5,682,427
|
62
|
3,101
|
20-29
|
69.7
|
5.3
|
63.4
|
171
|
6,587
|
352,121
|
15,057,690
|
245
|
10,388
|
30-39
|
68.2
|
4.1
|
50.3
|
273
|
8,109
|
390,352
|
15,883,247
|
400
|
16,127
|
40-49
|
64.8
|
2.1
|
56.4
|
949
|
59,982
|
713,368
|
52,998,404
|
1,465
|
106,339
|
50-59
|
61.1
|
1.0
|
53.9
|
3,628
|
230,351
|
1,171,332
|
90,451,211
|
5,942
|
427,392
|
60-69
|
59.8
|
0.7
|
56.5
|
7,889
|
360,175
|
968,152
|
50,918,191
|
13,187
|
637,760
|
70-79
|
61.5
|
0.5
|
51.7
|
13,355
|
326,344
|
576,874
|
17,434,248
|
21,703
|
630,995
|
80-89
|
74.4
|
0.5
|
60.5
|
22,162
|
374,258
|
329,422
|
6,920,288
|
29,774
|
618,794
|
90-99
|
74.4
|
0.8
|
79.1
|
8,112
|
106,754
|
54,622
|
704,207
|
10,908
|
134,891
|
100+
|
9.3
|
0.5
|
45.6
|
336
|
3,490
|
5,176
|
13,584
|
3,595
|
7,663
|
Total
|
65.2
|
0.3
|
57.0
|
56,912
|
1,477,627
|
4,673,769
|
256,063,497
|
87,283
|
2,593,451
|
GRAND TOTAL
|
64.5
|
0.3
|
54.2
|
63,269
|
2,427,673
|
8,779,040
|
1,270,813,675
|
98,062
|
4,479,063
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 2.1
TOTAL EXPERIENCE -- MALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
54.4
|
5.8
|
39.1
|
87
|
21,759
|
192,647
|
75,591,685
|
160
|
55,687
|
2
|
58.0
|
5.2
|
41.7
|
126
|
31,810
|
187,094
|
73,977,645
|
217
|
76,308
|
3
|
60.8
|
5.0
|
47.1
|
146
|
37,532
|
172,671
|
64,147,958
|
240
|
79,656
|
4
|
57.8
|
4.7
|
41.7
|
152
|
36,507
|
162,538
|
60,347,686
|
263
|
87,493
|
5
|
53.6
|
4.3
|
34.4
|
153
|
29,994
|
148,242
|
51,463,476
|
286
|
87,162
|
6-10
|
57.8
|
1.6
|
49.7
|
1,232
|
263,205
|
694,736
|
197,826,746
|
2,133
|
529,348
|
11-15
|
56.4
|
1.4
|
56.7
|
1,706
|
225,715
|
523,339
|
81,836,645
|
3,025
|
398,269
|
Total
|
57.0
|
0.9
|
49.2
|
3,602
|
646,522
|
2,081,267
|
605,191,841
|
6,324
|
1,313,922
|
Select Experience By Issue Age
|
0-4
|
50.5
|
10.8
|
43.3
|
22
|
1,213
|
149,987
|
9,938,925
|
44
|
2,798
|
5-14
|
51.0
|
9.0
|
52.3
|
32
|
2,695
|
103,011
|
9,099,402
|
63
|
5,150
|
15-24
|
67.4
|
6.7
|
57.8
|
100
|
11,645
|
168,904
|
24,822,692
|
148
|
20,149
|
25-34
|
48.1
|
3.2
|
41.0
|
225
|
52,477
|
472,248
|
148,648,072
|
468
|
127,840
|
35-44
|
59.9
|
2.3
|
49.7
|
658
|
162,176
|
587,692
|
230,562,951
|
1,098
|
326,596
|
45-54
|
54.9
|
1.8
|
47.7
|
960
|
200,334
|
408,910
|
138,960,918
|
1,749
|
419,824
|
55-64
|
54.4
|
1.8
|
42.7
|
901
|
119,080
|
156,367
|
38,038,087
|
1,655
|
279,009
|
65-74
|
63.3
|
2.6
|
72.9
|
606
|
78,299
|
32,090
|
4,713,691
|
957
|
107,346
|
75-89
|
69.1
|
7.0
|
74.0
|
98
|
18,603
|
2,055
|
406,834
|
142
|
25,150
|
90+
|
0.0
|
0.0
|
2.1
|
0
|
1
|
3
|
269
|
1
|
62
|
Total
|
57.0
|
0.9
|
49.2
|
3,602
|
646,522
|
2,081,267
|
605,191,841
|
6,324
|
1,313,922
|
Ultimate Experience By Attained Age
|
15-19
|
55.8
|
11.2
|
48.7
|
25
|
1,059
|
56,976
|
2,767,228
|
45
|
2,174
|
20-29
|
66.1
|
6.1
|
57.7
|
118
|
4,331
|
180,051
|
7,581,208
|
179
|
7,510
|
30-39
|
67.8
|
5.1
|
51.7
|
178
|
5,476
|
202,944
|
8,228,619
|
263
|
10,602
|
40-49
|
66.7
|
2.8
|
50.1
|
573
|
33,689
|
363,563
|
29,020,541
|
860
|
67,310
|
50-59
|
58.6
|
1.2
|
51.7
|
2,321
|
164,177
|
643,689
|
57,614,531
|
3,960
|
317,334
|
60-69
|
56.3
|
0.8
|
54.4
|
5,342
|
280,290
|
573,513
|
36,000,826
|
9,481
|
514,788
|
70-79
|
58.8
|
0.6
|
51.2
|
9,194
|
260,857
|
350,278
|
12,593,842
|
15,625
|
509,841
|
80-89
|
72.7
|
0.6
|
60.0
|
14,316
|
275,251
|
189,770
|
4,630,221
|
19,681
|
458,522
|
90-99
|
73.9
|
1.1
|
76.9
|
4,548
|
64,246
|
27,842
|
397,307
|
6,153
|
83,595
|
100+
|
6.6
|
0.5
|
31.9
|
160
|
1,368
|
3,362
|
7,278
|
2,426
|
4,291
|
Total
|
62.7
|
0.3
|
55.2
|
36,775
|
1,090,745
|
2,591,988
|
158,841,601
|
58,671
|
1,975,967
|
GRAND TOTAL
|
62.1
|
0.3
|
52.8
|
40,377
|
1,737,267
|
4,673,256
|
764,033,442
|
64,995
|
3,289,890
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 2.2
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
42.3
|
6.5
|
33.9
|
42
|
7,929
|
185,305
|
52,586,328
|
99
|
23,415
|
2
|
53.8
|
6.3
|
32.5
|
73
|
10,381
|
179,534
|
50,617,649
|
136
|
31,917
|
3
|
50.3
|
5.8
|
37.6
|
75
|
11,717
|
167,613
|
44,325,994
|
149
|
31,186
|
4
|
55.2
|
5.9
|
50.0
|
89
|
16,787
|
156,634
|
40,694,973
|
161
|
33,569
|
5
|
60.9
|
5.8
|
49.1
|
110
|
17,667
|
144,633
|
35,079,479
|
181
|
35,970
|
6-10
|
60.6
|
2.1
|
51.2
|
818
|
106,432
|
657,750
|
128,453,884
|
1,350
|
207,945
|
11-15
|
65.0
|
1.7
|
63.9
|
1,548
|
132,611
|
532,533
|
57,800,030
|
2,380
|
207,689
|
Total
|
61.8
|
1.2
|
53.1
|
2,755
|
303,524
|
2,024,003
|
409,558,337
|
4,456
|
571,690
|
Select Experience By Issue Age
|
0-4
|
49.6
|
13.3
|
56.8
|
14
|
1,140
|
146,338
|
10,334,285
|
28
|
2,007
|
5-14
|
52.3
|
14.5
|
72.2
|
13
|
1,573
|
99,212
|
9,180,621
|
25
|
2,179
|
15-24
|
62.4
|
9.7
|
63.4
|
41
|
5,010
|
184,099
|
25,348,880
|
66
|
7,899
|
25-34
|
59.7
|
4.5
|
52.9
|
178
|
32,728
|
524,458
|
132,174,036
|
298
|
61,883
|
35-44
|
61.1
|
3.0
|
58.4
|
407
|
78,175
|
537,471
|
142,826,189
|
667
|
133,931
|
45-54
|
63.3
|
2.5
|
50.2
|
623
|
67,446
|
349,076
|
68,014,319
|
984
|
134,273
|
55-64
|
61.0
|
2.4
|
49.9
|
642
|
45,785
|
137,951
|
16,804,890
|
1,052
|
91,822
|
65-74
|
59.2
|
2.4
|
41.7
|
593
|
37,514
|
40,246
|
4,061,046
|
1,002
|
89,949
|
75-89
|
72.8
|
4.7
|
70.1
|
243
|
33,295
|
5,150
|
813,111
|
334
|
47,506
|
90+
|
174.0
|
174.0
|
356.5
|
1
|
858
|
3
|
959
|
1
|
241
|
Total
|
61.8
|
1.2
|
53.1
|
2,755
|
303,524
|
2,024,003
|
409,558,337
|
4,456
|
571,690
|
Ultimate Experience By Attained Age
|
15-19
|
68.1
|
19.7
|
55.9
|
12
|
518
|
55,375
|
2,915,199
|
18
|
927
|
20-29
|
79.4
|
10.9
|
78.4
|
53
|
2,256
|
172,070
|
7,476,482
|
67
|
2,878
|
30-39
|
69.0
|
7.1
|
47.6
|
95
|
2,632
|
187,407
|
7,654,628
|
138
|
5,525
|
40-49
|
62.1
|
3.2
|
67.4
|
376
|
26,293
|
349,804
|
23,977,864
|
606
|
39,030
|
50-59
|
65.9
|
1.8
|
60.1
|
1,307
|
66,173
|
527,643
|
32,836,680
|
1,983
|
110,059
|
60-69
|
68.7
|
1.4
|
65.0
|
2,547
|
79,885
|
394,639
|
14,917,365
|
3,707
|
122,972
|
70-79
|
68.5
|
1.1
|
54.1
|
4,161
|
65,488
|
226,596
|
4,840,406
|
6,078
|
121,154
|
80-89
|
77.7
|
0.9
|
61.8
|
7,846
|
99,007
|
139,653
|
2,290,067
|
10,093
|
160,272
|
90-99
|
75.0
|
1.3
|
82.9
|
3,564
|
42,508
|
26,779
|
306,900
|
4,755
|
51,297
|
100+
|
15.1
|
1.1
|
63.0
|
176
|
2,122
|
1,814
|
6,306
|
1,169
|
3,371
|
Total
|
70.4
|
0.5
|
62.7
|
20,137
|
386,882
|
2,081,781
|
97,221,896
|
28,612
|
617,484
|
GRAND TOTAL
|
69.2
|
0.5
|
58.1
|
22,892
|
690,407
|
4,105,784
|
506,780,233
|
33,068
|
1,189,174
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.1
TOTAL EXPERIENCE -- MALES, MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
58.3
|
13.7
|
46.9
|
18
|
6,636
|
29,893
|
17,328,996
|
31
|
14,140
|
2
|
72.9
|
12.9
|
52.8
|
32
|
12,142
|
31,637
|
20,544,624
|
44
|
23,015
|
3
|
49.4
|
9.5
|
44.8
|
27
|
11,740
|
31,396
|
19,338,410
|
55
|
26,192
|
4
|
47.9
|
9.0
|
28.3
|
28
|
8,726
|
30,124
|
19,095,586
|
58
|
30,842
|
5
|
39.9
|
8.5
|
27.0
|
22
|
7,673
|
23,618
|
14,315,600
|
55
|
28,419
|
6-10
|
54.0
|
3.1
|
56.5
|
303
|
113,174
|
137,882
|
63,166,112
|
561
|
200,235
|
11-15
|
51.4
|
2.6
|
52.5
|
380
|
76,120
|
93,754
|
22,862,526
|
740
|
145,110
|
Total
|
52.5
|
1.8
|
50.5
|
810
|
236,211
|
378,304
|
176,651,856
|
1,544
|
467,954
|
Select Experience By Issue Age
|
0-4
|
43.4
|
43.4
|
44.3
|
1
|
100
|
7,202
|
759,074
|
2
|
226
|
5-14
|
107.9
|
48.2
|
134.3
|
5
|
735
|
6,374
|
824,489
|
5
|
547
|
15-24
|
78.2
|
23.6
|
90.7
|
11
|
2,593
|
15,294
|
3,435,268
|
14
|
2,859
|
25-34
|
55.7
|
8.3
|
54.0
|
45
|
17,501
|
81,919
|
37,898,628
|
81
|
32,390
|
35-44
|
51.9
|
4.8
|
44.0
|
119
|
44,237
|
126,327
|
71,287,212
|
229
|
100,611
|
45-54
|
55.2
|
3.9
|
44.3
|
205
|
61,947
|
89,484
|
44,636,835
|
371
|
139,871
|
55-64
|
47.6
|
3.3
|
43.1
|
209
|
52,546
|
39,218
|
15,162,131
|
439
|
121,804
|
65-74
|
53.2
|
3.9
|
80.8
|
189
|
46,399
|
11,691
|
2,447,318
|
355
|
57,447
|
75-89
|
55.1
|
10.8
|
83.7
|
26
|
10,153
|
792
|
200,635
|
47
|
12,138
|
90-120
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
61
|
Total
|
52.5
|
1.8
|
50.5
|
810
|
236,211
|
378,304
|
176,651,856
|
1,544
|
467,954
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.2
TOTAL EXPERIENCE -- MALES, NON-MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.4
|
11.9
|
51.2
|
20
|
3,945
|
62,213
|
13,669,223
|
37
|
7,700
|
2
|
65.2
|
13.6
|
49.4
|
23
|
2,385
|
43,962
|
6,468,192
|
35
|
4,826
|
3
|
61.6
|
14.1
|
74.7
|
19
|
2,286
|
35,372
|
3,776,480
|
31
|
3,058
|
4
|
86.5
|
14.6
|
49.3
|
35
|
2,168
|
37,972
|
4,667,957
|
40
|
4,397
|
5
|
85.6
|
12.8
|
67.7
|
45
|
4,561
|
40,523
|
5,551,080
|
53
|
6,740
|
6-10
|
75.1
|
4.1
|
56.5
|
328
|
31,525
|
203,007
|
27,692,432
|
437
|
55,825
|
11-15
|
62.1
|
2.6
|
62.9
|
561
|
58,357
|
216,927
|
24,151,426
|
904
|
92,795
|
Total
|
67.1
|
2.1
|
60.0
|
1,031
|
105,226
|
639,975
|
85,976,789
|
1,537
|
175,341
|
Select Experience By Issue Age
|
0-4
|
45.0
|
13.6
|
40.7
|
11
|
662
|
85,496
|
5,931,294
|
24
|
1,630
|
5-14
|
49.2
|
11.3
|
48.5
|
19
|
1,496
|
64,006
|
5,462,502
|
39
|
3,083
|
15-24
|
79.7
|
10.2
|
74.3
|
61
|
5,484
|
85,487
|
8,627,173
|
77
|
7,377
|
25-34
|
58.2
|
5.9
|
53.3
|
96
|
13,545
|
151,232
|
25,340,928
|
165
|
25,430
|
35-44
|
73.0
|
4.5
|
62.2
|
258
|
32,724
|
156,424
|
28,042,726
|
354
|
52,590
|
45-54
|
67.8
|
4.1
|
58.5
|
269
|
25,506
|
75,558
|
10,534,025
|
397
|
43,603
|
55-64
|
64.5
|
5.0
|
46.2
|
164
|
9,747
|
16,367
|
1,603,570
|
254
|
21,101
|
65-74
|
68.9
|
6.0
|
89.3
|
130
|
14,011
|
4,936
|
381,190
|
189
|
15,683
|
75-89
|
58.4
|
12.2
|
42.3
|
23
|
2,049
|
470
|
53,379
|
39
|
4,843
|
90-120
|
|
|
186.9
|
0
|
1
|
0
|
4
|
0
|
1
|
Total
|
67.1
|
2.1
|
60.0
|
1,031
|
105,226
|
639,975
|
85,976,789
|
1,537
|
175,341
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.3
TOTAL EXPERIENCE -- MALES, PARAMEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
36.6
|
8.9
|
26.1
|
17
|
4,623
|
46,121
|
22,785,335
|
47
|
17,744
|
2
|
54.9
|
8.3
|
40.2
|
44
|
10,888
|
59,538
|
25,503,380
|
80
|
27,059
|
3
|
70.2
|
9.1
|
46.2
|
60
|
12,369
|
54,235
|
21,837,181
|
85
|
26,767
|
4
|
58.9
|
8.1
|
48.9
|
53
|
13,102
|
47,259
|
18,766,664
|
90
|
26,791
|
5
|
46.2
|
6.6
|
39.4
|
49
|
11,930
|
44,673
|
18,089,363
|
106
|
30,314
|
6-10
|
52.4
|
3.0
|
41.6
|
304
|
56,324
|
169,928
|
55,703,667
|
580
|
135,490
|
11-15
|
52.0
|
3.2
|
65.2
|
268
|
40,630
|
66,795
|
14,318,384
|
516
|
62,360
|
Total
|
52.9
|
1.9
|
45.9
|
795
|
149,866
|
488,549
|
177,003,974
|
1,504
|
326,525
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
995
|
256,692
|
0
|
63
|
5-14
|
79.0
|
79.0
|
74.3
|
1
|
250
|
1,870
|
508,814
|
1
|
336
|
15-24
|
42.2
|
14.9
|
41.0
|
8
|
1,993
|
23,583
|
6,426,087
|
19
|
4,862
|
25-34
|
30.3
|
5.5
|
26.5
|
30
|
9,559
|
115,680
|
45,547,637
|
99
|
36,031
|
35-44
|
54.4
|
4.9
|
48.3
|
121
|
41,215
|
149,313
|
67,508,173
|
222
|
85,254
|
45-54
|
46.9
|
3.1
|
47.0
|
234
|
59,112
|
132,026
|
45,105,738
|
499
|
125,727
|
55-64
|
57.2
|
3.4
|
45.3
|
291
|
29,286
|
58,150
|
11,014,058
|
509
|
64,655
|
65-74
|
67.6
|
7.0
|
93.7
|
94
|
8,158
|
6,678
|
620,571
|
139
|
8,705
|
75-89
|
105.9
|
26.5
|
32.8
|
16
|
292
|
253
|
16,203
|
15
|
891
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
52.9
|
1.9
|
45.9
|
795
|
149,866
|
488,549
|
177,003,974
|
1,504
|
326,525
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.4
TOTAL EXPERIENCE -- MALES, UNKNOWN UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
71.0
|
12.6
|
40.7
|
32
|
6,555
|
54,420
|
21,808,130
|
45
|
16,103
|
2
|
46.5
|
8.9
|
29.9
|
27
|
6,395
|
51,957
|
21,461,449
|
58
|
21,407
|
3
|
57.8
|
9.1
|
47.1
|
40
|
11,137
|
51,668
|
19,195,887
|
69
|
23,638
|
4
|
48.7
|
8.1
|
49.1
|
36
|
12,511
|
47,184
|
17,817,479
|
74
|
25,463
|
5
|
51.6
|
8.5
|
26.9
|
37
|
5,830
|
39,429
|
13,507,433
|
72
|
21,689
|
6-10
|
53.6
|
3.1
|
45.1
|
297
|
62,183
|
183,918
|
51,264,535
|
554
|
137,798
|
11-15
|
57.4
|
2.6
|
51.6
|
497
|
50,608
|
145,864
|
20,504,309
|
866
|
98,005
|
Total
|
55.6
|
1.8
|
45.1
|
966
|
155,219
|
574,439
|
165,559,222
|
1,738
|
344,103
|
Select Experience By Issue Age
|
0-4
|
60.2
|
19.0
|
51.2
|
10
|
450
|
56,294
|
2,991,864
|
17
|
879
|
5-14
|
38.3
|
14.5
|
18.0
|
7
|
213
|
30,761
|
2,303,596
|
18
|
1,184
|
15-24
|
51.6
|
11.5
|
31.2
|
20
|
1,575
|
44,539
|
6,334,165
|
39
|
5,050
|
25-34
|
43.8
|
6.0
|
34.9
|
54
|
11,872
|
123,417
|
39,860,880
|
123
|
33,989
|
35-44
|
54.7
|
4.3
|
49.9
|
160
|
44,000
|
155,628
|
63,724,839
|
293
|
88,141
|
45-54
|
52.3
|
3.3
|
48.6
|
252
|
53,770
|
111,842
|
38,684,320
|
482
|
110,623
|
55-64
|
52.3
|
3.4
|
38.5
|
237
|
27,500
|
42,632
|
10,258,328
|
453
|
71,449
|
65-74
|
70.5
|
5.1
|
38.1
|
193
|
9,730
|
8,786
|
1,264,613
|
274
|
25,511
|
75-89
|
82.2
|
14.3
|
83.9
|
33
|
6,108
|
540
|
136,618
|
40
|
7,278
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
55.6
|
1.8
|
45.1
|
966
|
155,219
|
574,439
|
165,559,222
|
1,738
|
344,103
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.5
TOTAL EXPERIENCE -- FEMALES, MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
54.4
|
15.7
|
58.0
|
12
|
3,753
|
27,903
|
10,984,243
|
22
|
6,472
|
2
|
46.5
|
13.4
|
15.3
|
12
|
1,343
|
26,879
|
11,962,960
|
26
|
8,791
|
3
|
44.7
|
11.9
|
20.2
|
14
|
1,768
|
26,463
|
10,955,384
|
31
|
8,749
|
4
|
37.4
|
10.8
|
32.0
|
12
|
3,135
|
24,659
|
10,205,564
|
32
|
9,800
|
5
|
48.3
|
12.9
|
28.1
|
14
|
3,064
|
19,399
|
7,878,738
|
29
|
10,923
|
6-10
|
59.0
|
4.3
|
49.6
|
187
|
33,987
|
115,228
|
33,432,457
|
317
|
68,496
|
11-15
|
66.4
|
3.4
|
71.9
|
386
|
54,554
|
88,008
|
13,609,308
|
582
|
75,901
|
Total
|
61.3
|
2.4
|
53.7
|
637
|
101,604
|
328,540
|
99,028,654
|
1,039
|
189,133
|
Select Experience By Issue Age
|
0-4
|
219.3
|
126.6
|
298.6
|
3
|
467
|
7,180
|
806,548
|
1
|
156
|
5-14
|
163.4
|
94.4
|
395.3
|
3
|
902
|
6,431
|
881,984
|
2
|
228
|
15-24
|
78.4
|
35.1
|
75.3
|
5
|
800
|
17,121
|
3,387,284
|
6
|
1,062
|
25-34
|
76.2
|
12.4
|
64.3
|
38
|
9,095
|
87,654
|
30,599,756
|
50
|
14,155
|
35-44
|
57.3
|
6.8
|
52.5
|
70
|
17,883
|
102,196
|
37,083,056
|
122
|
34,038
|
45-54
|
61.6
|
6.0
|
52.5
|
106
|
19,268
|
65,813
|
18,378,307
|
172
|
36,733
|
55-64
|
53.9
|
4.9
|
52.5
|
120
|
17,442
|
26,760
|
5,471,993
|
223
|
33,191
|
65-74
|
59.9
|
4.2
|
35.7
|
208
|
16,246
|
13,465
|
1,978,905
|
347
|
45,568
|
75-89
|
72.2
|
7.9
|
78.5
|
83
|
18,643
|
1,918
|
439,864
|
115
|
23,760
|
90-120
|
174.0
|
174.0
|
356.8
|
1
|
858
|
3
|
958
|
1
|
240
|
Total
|
61.3
|
2.4
|
53.7
|
637
|
101,604
|
328,540
|
99,028,654
|
1,039
|
189,133
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.6
TOTAL EXPERIENCE -- FEMALES, NON-MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
39.9
|
12.6
|
32.5
|
10
|
1,516
|
68,305
|
13,687,468
|
25
|
4,657
|
2
|
59.9
|
15.0
|
37.0
|
16
|
1,231
|
50,543
|
7,071,277
|
27
|
3,326
|
3
|
57.3
|
15.3
|
45.4
|
14
|
998
|
41,857
|
4,437,154
|
24
|
2,201
|
4
|
63.0
|
14.1
|
45.7
|
20
|
1,507
|
44,541
|
5,442,094
|
32
|
3,295
|
5
|
66.6
|
12.8
|
55.0
|
27
|
2,467
|
47,131
|
6,087,994
|
41
|
4,484
|
6-10
|
61.8
|
4.2
|
50.7
|
213
|
18,053
|
225,184
|
27,204,643
|
345
|
35,626
|
11-15
|
68.0
|
3.1
|
59.7
|
476
|
31,542
|
236,247
|
20,666,730
|
700
|
52,852
|
Total
|
65.0
|
2.3
|
53.8
|
776
|
57,314
|
713,809
|
84,597,359
|
1,193
|
106,441
|
Select Experience By Issue Age
|
0-4
|
37.5
|
15.3
|
34.6
|
6
|
405
|
84,748
|
6,210,175
|
16
|
1,171
|
5-14
|
39.0
|
15.9
|
36.6
|
6
|
471
|
61,926
|
5,457,803
|
15
|
1,287
|
15-24
|
68.2
|
13.9
|
69.7
|
24
|
2,211
|
95,146
|
9,368,335
|
35
|
3,175
|
25-34
|
61.6
|
7.2
|
53.6
|
73
|
8,307
|
184,487
|
27,467,771
|
119
|
15,500
|
35-44
|
61.6
|
4.9
|
58.8
|
155
|
17,197
|
174,714
|
25,627,819
|
252
|
29,269
|
45-54
|
75.0
|
5.2
|
56.3
|
206
|
11,629
|
85,585
|
8,701,659
|
275
|
20,644
|
55-64
|
64.1
|
5.9
|
37.6
|
117
|
3,780
|
18,888
|
1,175,564
|
183
|
10,050
|
65-74
|
59.5
|
5.5
|
47.2
|
119
|
6,172
|
6,961
|
426,769
|
200
|
13,064
|
75-89
|
70.5
|
8.4
|
58.2
|
70
|
7,142
|
1,354
|
161,462
|
99
|
12,280
|
90-120
|
|
|
44.1
|
0
|
0
|
0
|
1
|
0
|
0
|
Total
|
65.0
|
2.3
|
53.8
|
776
|
57,314
|
713,809
|
84,597,359
|
1,193
|
106,441
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.7
TOTAL EXPERIENCE -- FEMALES, PARAMEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
35.2
|
11.7
|
19.6
|
9
|
1,238
|
38,689
|
13,627,482
|
26
|
6,310
|
2
|
46.6
|
9.7
|
36.9
|
23
|
4,245
|
55,223
|
17,919,485
|
49
|
11,518
|
3
|
41.5
|
8.9
|
25.8
|
22
|
2,930
|
51,739
|
16,005,190
|
53
|
11,368
|
4
|
71.1
|
11.4
|
76.1
|
39
|
8,476
|
44,570
|
13,563,680
|
55
|
11,132
|
5
|
62.5
|
9.6
|
58.9
|
42
|
7,297
|
41,574
|
12,687,300
|
67
|
12,390
|
6-10
|
63.7
|
4.3
|
58.7
|
220
|
30,332
|
151,600
|
36,645,124
|
345
|
51,643
|
11-15
|
59.9
|
4.0
|
53.0
|
220
|
13,866
|
61,562
|
8,899,102
|
367
|
26,156
|
Total
|
59.7
|
2.5
|
52.4
|
575
|
68,384
|
444,956
|
119,347,363
|
963
|
130,517
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
939
|
224,116
|
0
|
40
|
5-14
|
213.9
|
213.9
|
100.3
|
1
|
125
|
1,760
|
465,668
|
0
|
125
|
15-24
|
74.3
|
30.3
|
62.9
|
6
|
1,150
|
26,544
|
6,653,074
|
8
|
1,828
|
25-34
|
40.4
|
8.4
|
38.3
|
23
|
6,430
|
124,862
|
40,615,428
|
57
|
16,791
|
35-44
|
68.5
|
7.6
|
66.7
|
82
|
24,027
|
122,414
|
42,170,425
|
120
|
36,015
|
45-54
|
51.3
|
4.4
|
44.1
|
137
|
18,922
|
104,718
|
22,959,601
|
267
|
42,898
|
55-64
|
62.5
|
4.2
|
53.2
|
218
|
12,903
|
55,005
|
5,711,763
|
349
|
24,237
|
65-74
|
65.3
|
7.0
|
50.6
|
86
|
3,287
|
8,119
|
504,428
|
132
|
6,496
|
75-89
|
73.8
|
15.7
|
73.8
|
22
|
1,541
|
595
|
42,859
|
30
|
2,087
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
59.7
|
2.5
|
52.4
|
575
|
68,384
|
444,956
|
119,347,363
|
963
|
130,517
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 3.8
TOTAL EXPERIENCE -- FEMALES, UNKNOWN UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
41.5
|
12.5
|
23.8
|
11
|
1,422
|
50,408
|
14,287,135
|
27
|
5,975
|
2
|
65.3
|
13.9
|
43.0
|
22
|
3,562
|
46,889
|
13,663,927
|
34
|
8,282
|
3
|
61.8
|
12.4
|
67.9
|
25
|
6,021
|
47,555
|
12,928,266
|
40
|
8,868
|
4
|
42.4
|
10.0
|
39.3
|
18
|
3,669
|
42,864
|
11,483,635
|
42
|
9,342
|
5
|
61.5
|
11.8
|
59.2
|
27
|
4,839
|
36,529
|
8,425,447
|
44
|
8,173
|
6-10
|
57.8
|
4.1
|
46.1
|
198
|
24,059
|
165,738
|
31,171,661
|
342
|
52,179
|
11-15
|
63.7
|
3.0
|
61.9
|
466
|
32,650
|
146,715
|
14,624,890
|
731
|
52,780
|
Total
|
60.8
|
2.2
|
52.4
|
767
|
76,222
|
536,698
|
106,584,961
|
1,261
|
145,599
|
Select Experience By Issue Age
|
0-4
|
46.8
|
20.9
|
41.9
|
5
|
268
|
53,470
|
3,093,445
|
11
|
639
|
5-14
|
41.9
|
24.2
|
13.9
|
3
|
75
|
29,094
|
2,375,166
|
7
|
538
|
15-24
|
37.3
|
15.2
|
46.3
|
6
|
848
|
45,287
|
5,940,187
|
16
|
1,833
|
25-34
|
60.3
|
9.1
|
57.6
|
44
|
8,896
|
127,455
|
33,491,081
|
73
|
15,436
|
35-44
|
57.8
|
5.8
|
55.1
|
100
|
19,068
|
138,148
|
37,944,889
|
173
|
34,610
|
45-54
|
64.3
|
4.9
|
51.8
|
174
|
17,627
|
92,961
|
17,974,752
|
271
|
33,998
|
55-64
|
62.8
|
4.6
|
47.9
|
187
|
11,661
|
37,298
|
4,445,571
|
298
|
24,343
|
65-74
|
55.7
|
4.2
|
47.6
|
180
|
11,810
|
11,701
|
1,150,944
|
323
|
24,822
|
75-89
|
75.9
|
9.2
|
63.6
|
68
|
5,968
|
1,283
|
168,926
|
90
|
9,378
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
60.8
|
2.2
|
52.4
|
767
|
76,222
|
536,698
|
106,584,961
|
1,261
|
145,599
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.1
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
70.1
|
14.6
|
25.6
|
23
|
1,864
|
23,749
|
6,606,739
|
33
|
7,284
|
2
|
50.5
|
10.8
|
50.2
|
22
|
4,829
|
22,239
|
6,304,586
|
44
|
9,624
|
3
|
66.5
|
11.6
|
41.6
|
33
|
4,072
|
21,375
|
5,418,092
|
50
|
9,787
|
4
|
73.4
|
11.6
|
61.0
|
40
|
6,965
|
20,184
|
5,265,971
|
54
|
11,415
|
5
|
70.1
|
10.8
|
56.8
|
42
|
6,352
|
18,573
|
4,331,562
|
60
|
11,182
|
6-10
|
68.2
|
3.7
|
51.3
|
331
|
41,093
|
96,296
|
19,077,731
|
486
|
80,118
|
11-15
|
59.5
|
2.8
|
50.6
|
467
|
32,570
|
92,589
|
9,045,756
|
785
|
64,429
|
Total
|
63.4
|
2.0
|
50.4
|
958
|
97,746
|
295,005
|
56,050,437
|
1,511
|
193,839
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,889
|
130,756
|
2
|
94
|
5-14
|
63.2
|
18.3
|
71.0
|
12
|
771
|
22,241
|
1,297,030
|
19
|
1,087
|
15-24
|
92.4
|
15.6
|
72.1
|
35
|
2,893
|
33,408
|
3,864,378
|
38
|
4,014
|
25-34
|
48.4
|
6.2
|
50.0
|
60
|
12,110
|
79,178
|
18,014,700
|
124
|
24,206
|
35-44
|
62.9
|
4.3
|
52.3
|
211
|
32,956
|
85,556
|
21,211,613
|
336
|
62,976
|
45-54
|
59.4
|
3.4
|
46.9
|
306
|
32,287
|
54,034
|
9,779,881
|
515
|
68,825
|
55-64
|
66.3
|
4.4
|
48.5
|
226
|
12,938
|
15,048
|
1,621,027
|
341
|
26,687
|
65-74
|
79.5
|
7.9
|
60.9
|
101
|
3,434
|
2,541
|
127,272
|
127
|
5,636
|
75-89
|
77.8
|
29.4
|
113.5
|
7
|
357
|
110
|
3,779
|
9
|
314
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
63.4
|
2.0
|
50.4
|
958
|
97,746
|
295,005
|
56,050,437
|
1,511
|
193,839
|
Ultimate Experience By Attained Age
|
15-19
|
35.8
|
20.7
|
41.7
|
3
|
162
|
10,306
|
480,633
|
8
|
389
|
20-29
|
67.2
|
14.0
|
57.0
|
23
|
770
|
34,451
|
1,360,522
|
34
|
1,350
|
30-39
|
58.0
|
9.7
|
57.3
|
36
|
1,513
|
35,733
|
1,506,452
|
62
|
2,643
|
40-49
|
48.2
|
4.8
|
40.1
|
102
|
6,310
|
50,658
|
3,658,697
|
211
|
15,737
|
50-59
|
51.1
|
2.2
|
52.3
|
517
|
40,313
|
87,053
|
6,733,392
|
1,011
|
77,108
|
60-69
|
56.0
|
1.8
|
61.2
|
967
|
57,686
|
56,553
|
3,205,687
|
1,728
|
94,233
|
70-79
|
61.5
|
1.9
|
52.5
|
1,090
|
29,838
|
24,661
|
814,024
|
1,773
|
56,875
|
80-89
|
72.5
|
2.6
|
70.1
|
798
|
16,728
|
7,893
|
172,713
|
1,101
|
23,866
|
90-99
|
64.8
|
6.8
|
74.4
|
90
|
1,291
|
566
|
7,379
|
139
|
1,736
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13
|
12
|
7
|
7
|
Total
|
59.7
|
1.0
|
56.4
|
3,626
|
154,612
|
307,887
|
17,939,513
|
6,075
|
273,945
|
GRAND TOTAL
|
60.4
|
0.9
|
53.9
|
4,584
|
252,358
|
602,892
|
73,989,950
|
7,586
|
467,783
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.2
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
49.6
|
7.1
|
39.7
|
49
|
15,022
|
123,712
|
54,621,967
|
99
|
37,840
|
2
|
59.4
|
6.5
|
44.2
|
83
|
22,725
|
123,090
|
53,848,924
|
140
|
51,468
|
3
|
62.9
|
6.3
|
54.5
|
101
|
30,646
|
116,783
|
48,523,418
|
161
|
56,254
|
4
|
56.0
|
5.6
|
42.1
|
100
|
26,403
|
110,617
|
46,031,978
|
178
|
62,758
|
5
|
49.2
|
5.0
|
31.7
|
96
|
19,531
|
100,693
|
38,799,259
|
195
|
61,573
|
6-10
|
55.6
|
1.9
|
50.4
|
847
|
209,789
|
491,415
|
161,119,700
|
1,523
|
416,191
|
11-15
|
55.0
|
1.6
|
55.3
|
1,165
|
179,201
|
347,880
|
67,109,619
|
2,118
|
324,208
|
Total
|
55.3
|
1.1
|
49.8
|
2,441
|
503,318
|
1,414,189
|
470,054,866
|
4,413
|
1,010,293
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
951
|
81,533
|
1
|
60
|
5-14
|
36.2
|
20.9
|
33.2
|
3
|
325
|
9,453
|
1,128,956
|
8
|
979
|
15-24
|
59.4
|
7.9
|
57.8
|
56
|
8,033
|
115,126
|
17,982,277
|
94
|
13,903
|
25-34
|
48.1
|
3.9
|
38.9
|
150
|
36,078
|
352,173
|
115,020,280
|
312
|
92,792
|
35-44
|
58.1
|
2.9
|
48.7
|
408
|
116,865
|
453,347
|
186,202,734
|
702
|
239,922
|
45-54
|
53.8
|
2.2
|
47.7
|
612
|
149,195
|
321,541
|
112,985,463
|
1,138
|
312,819
|
55-64
|
52.4
|
2.1
|
44.2
|
648
|
101,034
|
131,432
|
32,059,312
|
1,236
|
228,475
|
65-74
|
60.4
|
2.8
|
76.2
|
480
|
73,639
|
28,307
|
4,194,194
|
794
|
96,648
|
75-89
|
66.4
|
7.2
|
73.7
|
84
|
18,149
|
1,858
|
399,851
|
127
|
24,635
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
61
|
Total
|
55.3
|
1.1
|
49.8
|
2,441
|
503,318
|
1,414,189
|
470,054,866
|
4,413
|
1,010,293
|
Ultimate Experience By Attained Age
|
15-19
|
46.5
|
26.8
|
57.1
|
3
|
257
|
7,809
|
546,964
|
6
|
450
|
20-29
|
68.1
|
15.6
|
73.7
|
19
|
1,138
|
28,052
|
1,556,655
|
28
|
1,546
|
30-39
|
65.3
|
10.3
|
49.0
|
40
|
2,069
|
52,903
|
3,641,186
|
61
|
4,218
|
40-49
|
60.6
|
4.1
|
50.5
|
214
|
20,896
|
184,485
|
21,095,934
|
353
|
41,362
|
50-59
|
50.7
|
1.9
|
49.7
|
683
|
91,024
|
306,881
|
41,738,023
|
1,347
|
183,031
|
60-69
|
51.9
|
1.4
|
54.1
|
1,315
|
159,484
|
210,857
|
25,129,950
|
2,535
|
294,732
|
70-79
|
53.0
|
1.2
|
47.0
|
1,916
|
136,176
|
97,244
|
8,040,378
|
3,614
|
289,883
|
80-89
|
63.1
|
1.3
|
52.6
|
2,353
|
132,343
|
38,895
|
2,665,882
|
3,726
|
251,600
|
90-99
|
80.4
|
3.7
|
70.3
|
474
|
23,894
|
2,926
|
166,389
|
590
|
33,990
|
100+
|
29.9
|
17.3
|
108.9
|
3
|
521
|
19
|
1,079
|
10
|
478
|
Total
|
57.2
|
0.7
|
51.6
|
7,020
|
567,802
|
930,069
|
104,582,441
|
12,270
|
1,101,289
|
GRAND TOTAL
|
56.7
|
0.6
|
50.7
|
9,461
|
1,071,120
|
2,344,258
|
574,637,306
|
16,683
|
2,111,582
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.3
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
52.9
|
13.7
|
46.1
|
15
|
4,872
|
45,186
|
14,362,980
|
28
|
10,562
|
2
|
61.4
|
13.4
|
28.0
|
21
|
4,256
|
41,765
|
13,824,135
|
34
|
15,215
|
3
|
39.9
|
11.5
|
20.7
|
12
|
2,813
|
34,513
|
10,206,448
|
30
|
13,614
|
4
|
40.0
|
11.6
|
23.6
|
12
|
3,139
|
31,737
|
9,049,737
|
30
|
13,320
|
5
|
49.0
|
12.6
|
28.5
|
15
|
4,110
|
28,977
|
8,332,655
|
31
|
14,408
|
6-10
|
43.4
|
5.9
|
37.3
|
54
|
12,323
|
107,025
|
17,629,314
|
124
|
33,040
|
11-15
|
60.5
|
7.0
|
144.8
|
74
|
13,944
|
82,870
|
5,681,269
|
122
|
9,632
|
Total
|
50.8
|
3.6
|
41.4
|
203
|
45,458
|
372,073
|
79,086,538
|
400
|
109,791
|
Select Experience By Issue Age
|
0-4
|
53.9
|
11.5
|
45.9
|
22
|
1,213
|
146,147
|
9,726,636
|
41
|
2,644
|
5-14
|
47.9
|
11.6
|
51.8
|
17
|
1,598
|
71,317
|
6,673,415
|
35
|
3,085
|
15-24
|
55.3
|
18.4
|
32.2
|
9
|
718
|
20,370
|
2,976,037
|
16
|
2,232
|
25-34
|
47.0
|
12.1
|
39.6
|
15
|
4,290
|
40,897
|
15,613,092
|
32
|
10,842
|
35-44
|
65.3
|
10.5
|
52.1
|
39
|
12,355
|
48,789
|
23,148,604
|
60
|
23,698
|
45-54
|
43.7
|
6.7
|
49.4
|
42
|
18,851
|
33,334
|
16,195,573
|
96
|
38,180
|
55-64
|
34.7
|
6.7
|
21.4
|
27
|
5,108
|
9,888
|
4,357,748
|
78
|
23,847
|
65-74
|
70.6
|
14.1
|
24.2
|
25
|
1,226
|
1,243
|
392,225
|
35
|
5,062
|
75-89
|
111.4
|
42.1
|
48.4
|
7
|
97
|
88
|
3,204
|
6
|
201
|
90+
|
|
|
186.9
|
0
|
1
|
0
|
4
|
0
|
1
|
Total
|
50.8
|
3.6
|
41.4
|
203
|
45,458
|
372,073
|
79,086,538
|
400
|
109,791
|
Ultimate Experience By Attained Age
|
15-19
|
63.4
|
14.5
|
47.9
|
19
|
640
|
38,862
|
1,739,631
|
30
|
1,336
|
20-29
|
65.3
|
7.5
|
52.5
|
76
|
2,423
|
117,548
|
4,664,031
|
116
|
4,614
|
30-39
|
73.2
|
7.2
|
50.6
|
102
|
1,895
|
114,308
|
3,080,980
|
139
|
3,742
|
40-49
|
87.1
|
5.4
|
63.5
|
257
|
6,482
|
128,421
|
4,265,910
|
295
|
10,210
|
50-59
|
70.0
|
2.1
|
57.4
|
1,121
|
32,840
|
249,755
|
9,143,115
|
1,602
|
57,195
|
60-69
|
58.6
|
1.1
|
50.2
|
3,060
|
63,119
|
306,103
|
7,665,188
|
5,217
|
125,822
|
70-79
|
60.4
|
0.8
|
58.2
|
6,188
|
94,843
|
228,373
|
3,739,440
|
10,238
|
163,083
|
80-89
|
75.2
|
0.7
|
68.9
|
11,165
|
126,180
|
142,981
|
1,791,626
|
14,854
|
183,057
|
90-99
|
73.4
|
1.2
|
81.6
|
3,984
|
39,061
|
24,351
|
223,539
|
5,425
|
47,869
|
100+
|
6.5
|
0.5
|
22.3
|
157
|
847
|
3,330
|
6,187
|
2,409
|
3,806
|
Total
|
64.8
|
0.4
|
61.3
|
26,129
|
368,331
|
1,354,032
|
36,319,647
|
40,326
|
600,734
|
GRAND TOTAL
|
64.7
|
0.4
|
58.2
|
26,332
|
413,788
|
1,726,106
|
115,406,186
|
40,726
|
710,524
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.4
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
19.2
|
11.1
|
20.3
|
3
|
500
|
15,908
|
3,292,360
|
16
|
2,466
|
2
|
89.5
|
20.0
|
67.3
|
20
|
2,295
|
15,557
|
3,003,697
|
22
|
3,411
|
3
|
65.6
|
15.9
|
35.9
|
17
|
1,276
|
15,532
|
2,814,548
|
26
|
3,556
|
4
|
58.7
|
14.2
|
49.4
|
17
|
1,960
|
14,857
|
2,677,821
|
29
|
3,966
|
5
|
73.7
|
15.4
|
75.3
|
23
|
2,974
|
14,239
|
2,364,065
|
31
|
3,949
|
6-10
|
80.9
|
5.8
|
57.1
|
195
|
15,530
|
74,417
|
10,206,076
|
241
|
27,183
|
11-15
|
83.0
|
4.2
|
75.2
|
386
|
20,771
|
87,197
|
6,273,669
|
465
|
27,631
|
Total
|
79.6
|
3.1
|
62.8
|
661
|
45,307
|
237,706
|
30,632,236
|
830
|
72,163
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,747
|
132,131
|
1
|
40
|
5-14
|
44.3
|
25.6
|
139.5
|
3
|
557
|
20,996
|
1,255,571
|
7
|
399
|
15-24
|
68.4
|
20.6
|
68.1
|
11
|
973
|
31,359
|
3,143,501
|
16
|
1,429
|
25-34
|
56.0
|
9.2
|
43.1
|
37
|
3,918
|
58,943
|
10,136,152
|
66
|
9,080
|
35-44
|
58.5
|
5.7
|
49.4
|
104
|
10,675
|
61,391
|
9,693,987
|
178
|
21,601
|
45-54
|
82.5
|
5.6
|
63.0
|
218
|
13,785
|
44,664
|
5,001,207
|
264
|
21,887
|
55-64
|
95.6
|
7.1
|
81.0
|
183
|
8,897
|
14,459
|
1,069,754
|
191
|
10,983
|
65-74
|
91.0
|
9.9
|
87.5
|
85
|
4,455
|
2,945
|
174,246
|
93
|
5,094
|
75-89
|
145.8
|
32.6
|
124.1
|
20
|
2,047
|
201
|
25,685
|
14
|
1,650
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
79.6
|
3.1
|
62.8
|
661
|
45,307
|
237,706
|
30,632,236
|
830
|
72,163
|
Ultimate Experience By Attained Age
|
15-19
|
92.8
|
53.6
|
76.9
|
3
|
119
|
9,995
|
480,589
|
3
|
155
|
20-29
|
56.3
|
21.3
|
42.9
|
7
|
209
|
31,662
|
1,251,534
|
12
|
488
|
30-39
|
73.2
|
14.9
|
50.6
|
24
|
726
|
33,568
|
1,429,391
|
33
|
1,436
|
40-49
|
52.2
|
5.6
|
60.1
|
88
|
6,281
|
55,881
|
3,447,103
|
169
|
10,458
|
50-59
|
67.0
|
3.6
|
63.7
|
351
|
17,598
|
80,089
|
4,322,783
|
524
|
27,618
|
60-69
|
82.4
|
3.4
|
86.0
|
603
|
20,313
|
47,802
|
1,612,228
|
732
|
23,621
|
70-79
|
96.0
|
3.4
|
90.4
|
777
|
14,437
|
22,098
|
442,372
|
809
|
15,968
|
80-89
|
105.0
|
3.9
|
107.1
|
718
|
12,139
|
8,342
|
143,419
|
684
|
11,334
|
90-99
|
88.3
|
7.5
|
100.7
|
140
|
1,758
|
898
|
10,000
|
159
|
1,746
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16
|
13
|
7
|
6
|
Total
|
86.6
|
1.7
|
79.3
|
2,711
|
73,581
|
290,351
|
13,139,431
|
3,132
|
92,830
|
GRAND TOTAL
|
85.1
|
1.5
|
72.1
|
3,372
|
118,887
|
528,056
|
43,771,667
|
3,962
|
164,992
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.5
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
40.9
|
7.9
|
34.7
|
27
|
5,655
|
127,142
|
38,409,469
|
66
|
16,306
|
2
|
48.9
|
7.2
|
27.8
|
46
|
6,306
|
125,742
|
37,789,213
|
94
|
22,721
|
3
|
45.6
|
6.5
|
40.4
|
49
|
9,293
|
120,407
|
34,422,243
|
107
|
22,984
|
4
|
53.2
|
6.8
|
49.0
|
62
|
12,382
|
112,665
|
31,689,284
|
117
|
25,293
|
5
|
57.0
|
6.5
|
47.4
|
76
|
13,156
|
103,947
|
27,387,987
|
133
|
27,781
|
6-10
|
56.6
|
2.3
|
50.4
|
584
|
84,887
|
480,149
|
105,268,280
|
1,032
|
168,401
|
11-15
|
60.1
|
1.8
|
62.6
|
1,084
|
108,742
|
363,073
|
45,912,151
|
1,803
|
173,605
|
Total
|
57.5
|
1.3
|
52.6
|
1,928
|
240,422
|
1,433,126
|
320,878,626
|
3,352
|
457,091
|
Select Experience By Issue Age
|
0-4
|
359.7
|
359.7
|
102.2
|
1
|
25
|
913
|
80,732
|
0
|
24
|
5-14
|
33.0
|
33.0
|
28.4
|
1
|
100
|
9,220
|
1,084,736
|
3
|
352
|
15-24
|
68.0
|
12.6
|
71.3
|
29
|
3,962
|
131,498
|
19,066,416
|
43
|
5,557
|
25-34
|
62.8
|
5.5
|
56.2
|
132
|
26,365
|
420,503
|
107,611,614
|
210
|
46,943
|
35-44
|
62.2
|
3.7
|
60.4
|
276
|
60,254
|
431,938
|
118,001,685
|
444
|
99,789
|
45-54
|
57.0
|
2.9
|
49.7
|
380
|
49,955
|
280,594
|
55,915,745
|
667
|
100,479
|
55-64
|
52.2
|
2.5
|
47.2
|
428
|
35,805
|
117,831
|
14,582,341
|
819
|
75,837
|
65-74
|
55.4
|
2.5
|
39.1
|
479
|
32,268
|
35,911
|
3,757,661
|
864
|
82,626
|
75-89
|
66.9
|
4.7
|
68.1
|
201
|
30,829
|
4,715
|
776,738
|
301
|
45,244
|
90+
|
174.0
|
174.0
|
356.6
|
1
|
858
|
3
|
958
|
1
|
241
|
Total
|
57.5
|
1.3
|
52.6
|
1,928
|
240,422
|
1,433,126
|
320,878,626
|
3,352
|
457,091
|
Ultimate Experience By Attained Age
|
15-19
|
119.4
|
68.9
|
142.9
|
3
|
254
|
7,682
|
545,041
|
3
|
178
|
20-29
|
55.1
|
22.5
|
75.2
|
6
|
451
|
27,837
|
1,541,300
|
11
|
600
|
30-39
|
76.6
|
15.3
|
57.2
|
25
|
1,267
|
53,126
|
3,569,733
|
33
|
2,216
|
40-49
|
56.8
|
4.9
|
67.2
|
137
|
15,012
|
187,893
|
17,237,743
|
241
|
22,327
|
50-59
|
60.5
|
2.9
|
58.7
|
422
|
36,222
|
258,331
|
23,189,916
|
698
|
61,746
|
60-69
|
56.1
|
2.1
|
59.3
|
683
|
43,065
|
165,299
|
10,399,596
|
1,216
|
72,677
|
70-79
|
50.0
|
1.6
|
41.7
|
976
|
32,326
|
83,072
|
3,337,952
|
1,953
|
77,432
|
80-89
|
67.3
|
1.5
|
51.8
|
1,947
|
57,547
|
42,710
|
1,621,401
|
2,894
|
111,077
|
90-99
|
84.2
|
3.3
|
77.9
|
647
|
25,292
|
4,775
|
199,922
|
769
|
32,469
|
100+
|
69.1
|
23.0
|
156.1
|
9
|
1,578
|
28
|
2,258
|
13
|
1,010
|
Total
|
62.0
|
0.9
|
55.8
|
4,855
|
213,013
|
830,753
|
61,644,862
|
7,831
|
381,733
|
GRAND TOTAL
|
60.7
|
0.7
|
54.1
|
6,783
|
453,434
|
2,263,879
|
382,523,488
|
11,182
|
838,824
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 8.6
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
68.2
|
19.7
|
38.2
|
12
|
1,773
|
42,254
|
10,884,499
|
18
|
4,642
|
2
|
36.4
|
13.8
|
30.8
|
7
|
1,780
|
38,236
|
9,824,739
|
19
|
5,785
|
3
|
56.8
|
18.9
|
24.7
|
9
|
1,148
|
31,675
|
7,089,203
|
16
|
4,645
|
4
|
63.9
|
20.2
|
56.7
|
10
|
2,445
|
29,112
|
6,327,869
|
16
|
4,310
|
5
|
68.5
|
20.7
|
36.2
|
11
|
1,537
|
26,447
|
5,327,427
|
16
|
4,239
|
6-10
|
50.5
|
8.1
|
48.7
|
39
|
6,015
|
103,185
|
12,979,529
|
77
|
12,361
|
11-15
|
69.5
|
7.9
|
48.0
|
78
|
3,097
|
82,263
|
5,614,210
|
112
|
6,453
|
Total
|
60.6
|
4.7
|
41.9
|
166
|
17,796
|
353,172
|
58,047,475
|
274
|
42,436
|
Select Experience By Issue Age
|
0-4
|
48.0
|
13.3
|
57.4
|
13
|
1,115
|
142,677
|
10,121,422
|
27
|
1,943
|
5-14
|
59.9
|
20.0
|
64.2
|
9
|
916
|
68,996
|
6,840,314
|
15
|
1,428
|
15-24
|
14.3
|
14.3
|
8.2
|
1
|
75
|
21,242
|
3,138,962
|
7
|
913
|
25-34
|
40.5
|
13.5
|
41.7
|
9
|
2,445
|
45,012
|
14,426,270
|
22
|
5,859
|
35-44
|
59.9
|
11.5
|
57.8
|
27
|
7,246
|
44,141
|
15,130,518
|
45
|
12,542
|
45-54
|
47.1
|
9.4
|
31.1
|
25
|
3,707
|
23,818
|
7,097,366
|
53
|
11,907
|
55-64
|
75.3
|
13.5
|
21.6
|
31
|
1,083
|
5,661
|
1,152,796
|
41
|
5,003
|
65-74
|
65.9
|
12.2
|
35.5
|
29
|
791
|
1,390
|
129,139
|
44
|
2,230
|
75-89
|
114.3
|
24.4
|
68.6
|
22
|
419
|
234
|
10,688
|
19
|
611
|
90+
|
|
|
137.6
|
0
|
0
|
0
|
1
|
0
|
0
|
Total
|
60.6
|
4.7
|
41.9
|
166
|
17,796
|
353,172
|
58,047,475
|
274
|
42,436
|
Ultimate Experience By Attained Age
|
15-19
|
50.6
|
20.6
|
24.5
|
6
|
145
|
37,699
|
1,889,568
|
12
|
594
|
20-29
|
92.1
|
14.6
|
89.1
|
40
|
1,595
|
112,571
|
4,683,649
|
43
|
1,790
|
30-39
|
63.7
|
9.4
|
34.1
|
46
|
639
|
100,713
|
2,655,504
|
72
|
1,873
|
40-49
|
77.1
|
6.3
|
80.1
|
151
|
5,000
|
106,031
|
3,293,018
|
196
|
6,245
|
50-59
|
70.2
|
3.0
|
59.7
|
534
|
12,353
|
189,222
|
5,323,981
|
761
|
20,695
|
60-69
|
71.7
|
2.0
|
61.9
|
1,261
|
16,507
|
181,538
|
2,905,540
|
1,759
|
26,674
|
70-79
|
72.6
|
1.5
|
67.5
|
2,408
|
18,725
|
121,427
|
1,060,083
|
3,316
|
27,753
|
80-89
|
79.5
|
1.1
|
77.4
|
5,181
|
29,321
|
88,600
|
525,247
|
6,515
|
37,861
|
90-99
|
72.6
|
1.4
|
90.5
|
2,777
|
15,458
|
21,106
|
96,977
|
3,828
|
17,081
|
100+
|
14.5
|
1.1
|
23.1
|
167
|
545
|
1,770
|
4,035
|
1,148
|
2,355
|
Total
|
71.2
|
0.6
|
70.2
|
12,571
|
100,289
|
960,677
|
22,437,603
|
17,649
|
142,921
|
GRAND TOTAL
|
71.1
|
0.6
|
63.7
|
12,737
|
118,085
|
1,313,849
|
80,485,078
|
17,923
|
185,357
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.1
TOTAL EXPERIENCE -- WHOLE LIFE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
71.5
|
12.3
|
51.8
|
34
|
3,243
|
66,992
|
10,103,752
|
48
|
6,264
|
2
|
94.3
|
13.6
|
61.1
|
48
|
4,143
|
54,162
|
8,587,332
|
51
|
6,780
|
3
|
71.9
|
11.1
|
48.2
|
42
|
3,229
|
51,127
|
6,597,159
|
58
|
6,691
|
4
|
81.0
|
11.2
|
20.5
|
52
|
1,497
|
47,598
|
6,890,277
|
64
|
7,295
|
5
|
62.9
|
9.3
|
30.0
|
46
|
2,444
|
43,924
|
6,202,928
|
73
|
8,148
|
6-10
|
65.1
|
3.7
|
33.1
|
303
|
16,802
|
212,875
|
24,683,354
|
466
|
50,745
|
11-15
|
65.4
|
2.2
|
54.9
|
857
|
43,817
|
295,694
|
21,859,563
|
1,310
|
79,784
|
Total
|
66.8
|
1.8
|
45.4
|
1,382
|
75,175
|
772,373
|
84,924,365
|
2,070
|
165,707
|
Select Experience By Issue Age
|
0-4
|
43.9
|
10.3
|
35.5
|
18
|
902
|
163,357
|
10,378,117
|
41
|
2,542
|
5-29
|
56.3
|
5.9
|
40.2
|
92
|
6,281
|
272,967
|
27,548,736
|
163
|
15,623
|
30-44
|
62.8
|
4.6
|
45.3
|
187
|
16,905
|
181,411
|
29,522,064
|
298
|
37,306
|
45-59
|
69.0
|
3.1
|
43.6
|
498
|
25,431
|
117,991
|
14,843,188
|
722
|
58,298
|
60-74
|
65.3
|
3.0
|
40.6
|
476
|
17,670
|
34,664
|
2,494,939
|
729
|
43,483
|
75-89
|
95.6
|
9.1
|
87.4
|
110
|
7,126
|
1,977
|
136,097
|
115
|
8,154
|
90-120
|
81.6
|
81.6
|
284.7
|
1
|
858
|
6
|
1,223
|
1
|
301
|
Total
|
66.8
|
1.8
|
45.4
|
1,382
|
75,175
|
772,373
|
84,924,365
|
2,070
|
165,707
|
Ultimate Experience By Attained Age
|
15-29
|
68.9
|
5.5
|
62.9
|
157
|
6,221
|
342,497
|
15,211,941
|
228
|
9,891
|
30-44
|
71.5
|
3.5
|
53.7
|
428
|
12,795
|
495,564
|
19,658,221
|
599
|
23,831
|
45-59
|
64.6
|
1.2
|
53.8
|
3,015
|
119,328
|
1,054,267
|
53,405,574
|
4,667
|
221,701
|
60-74
|
60.3
|
0.6
|
52.6
|
10,275
|
250,377
|
943,151
|
28,963,141
|
17,036
|
475,844
|
75-89
|
72.1
|
0.5
|
63.2
|
24,947
|
331,777
|
478,908
|
7,465,816
|
34,601
|
525,000
|
90-120
|
55.8
|
0.7
|
78.4
|
7,235
|
68,562
|
52,186
|
420,295
|
12,959
|
87,401
|
Total
|
65.7
|
0.3
|
58.7
|
46,057
|
789,061
|
3,366,573
|
125,124,989
|
70,089
|
1,343,667
|
GRAND TOTAL
|
65.7
|
0.3
|
57.3
|
47,439
|
864,236
|
4,138,946
|
210,049,353
|
72,159
|
1,509,375
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.2
TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
46.1
|
7.3
|
33.2
|
40
|
11,792
|
106,482
|
49,515,746
|
87
|
35,475
|
2
|
40.8
|
5.7
|
31.1
|
52
|
15,855
|
108,907
|
49,465,581
|
128
|
51,004
|
3
|
52.4
|
6.2
|
43.2
|
71
|
22,610
|
95,605
|
42,436,858
|
136
|
52,386
|
4
|
46.8
|
5.8
|
46.6
|
66
|
26,645
|
86,881
|
39,270,798
|
141
|
57,210
|
5
|
46.1
|
5.6
|
36.2
|
69
|
19,806
|
79,491
|
32,851,346
|
150
|
54,730
|
6-10
|
53.0
|
2.2
|
49.2
|
582
|
163,215
|
389,562
|
132,566,036
|
1,098
|
331,794
|
11-15
|
87.0
|
4.4
|
99.5
|
399
|
84,573
|
125,356
|
25,954,073
|
459
|
85,023
|
Total
|
58.2
|
1.6
|
51.6
|
1,279
|
344,495
|
992,284
|
372,060,438
|
2,197
|
667,622
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,937
|
245,289
|
1
|
59
|
5-29
|
55.5
|
8.4
|
45.0
|
44
|
9,676
|
130,430
|
38,333,402
|
79
|
21,520
|
30-44
|
60.9
|
3.2
|
51.8
|
373
|
111,266
|
477,919
|
200,215,461
|
612
|
214,824
|
45-59
|
57.1
|
2.2
|
47.2
|
653
|
163,178
|
341,445
|
123,072,118
|
1,143
|
345,693
|
60-74
|
57.9
|
4.0
|
71.1
|
209
|
60,375
|
39,537
|
10,180,208
|
361
|
84,956
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
17
|
13,960
|
1
|
571
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
58.2
|
1.6
|
51.6
|
1,279
|
344,495
|
992,284
|
372,060,438
|
2,197
|
667,622
|
Ultimate Experience By Attained Age
|
15-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
108
|
4,152
|
0
|
3
|
30-44
|
59.1
|
22.3
|
46.4
|
7
|
775
|
8,406
|
1,192,188
|
12
|
1,671
|
45-59
|
66.2
|
5.1
|
59.7
|
168
|
24,397
|
62,672
|
10,380,837
|
254
|
40,851
|
60-74
|
76.9
|
5.1
|
65.6
|
230
|
26,703
|
22,013
|
3,097,135
|
299
|
40,677
|
75-89
|
104.6
|
27.0
|
83.5
|
15
|
1,494
|
318
|
39,616
|
14
|
1,790
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
72.5
|
3.5
|
62.8
|
420
|
53,369
|
93,518
|
14,713,927
|
579
|
84,992
|
GRAND TOTAL
|
61.2
|
1.5
|
52.9
|
1,699
|
397,864
|
1,085,802
|
386,774,365
|
2,776
|
752,614
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.3
TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
34.3
|
8.9
|
25.8
|
15
|
4,425
|
88,115
|
37,139,238
|
44
|
17,172
|
2
|
52.0
|
9.5
|
47.6
|
30
|
10,339
|
84,450
|
34,357,937
|
58
|
21,716
|
3
|
44.9
|
8.3
|
51.4
|
29
|
11,858
|
79,112
|
30,979,293
|
65
|
23,091
|
4
|
35.3
|
7.2
|
36.3
|
24
|
8,600
|
71,808
|
27,281,859
|
68
|
23,672
|
5
|
48.3
|
8.4
|
29.8
|
33
|
6,565
|
61,123
|
21,419,428
|
68
|
21,996
|
6-10
|
58.5
|
3.9
|
56.0
|
221
|
57,857
|
216,803
|
66,163,991
|
378
|
103,375
|
11-15
|
46.1
|
4.0
|
40.7
|
135
|
24,263
|
80,190
|
17,439,249
|
293
|
59,573
|
Total
|
50.1
|
2.3
|
45.8
|
487
|
123,906
|
681,602
|
234,780,996
|
973
|
270,595
|
Select Experience By Issue Age
|
0-4
|
124.0
|
124.0
|
172.2
|
1
|
100
|
3,271
|
228,523
|
1
|
58
|
5-29
|
47.9
|
9.2
|
44.2
|
27
|
6,845
|
111,075
|
32,083,383
|
56
|
15,487
|
30-44
|
51.3
|
3.5
|
48.2
|
211
|
66,935
|
411,908
|
159,295,921
|
411
|
138,972
|
45-59
|
49.3
|
3.3
|
43.5
|
220
|
46,819
|
149,868
|
42,385,220
|
446
|
107,720
|
60-74
|
48.1
|
9.1
|
38.4
|
28
|
3,207
|
5,478
|
787,949
|
58
|
8,358
|
75-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
50.1
|
2.3
|
45.8
|
487
|
123,906
|
681,602
|
234,780,996
|
973
|
270,595
|
Ultimate Experience By Attained Age
|
15-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
95
|
1,733
|
0
|
1
|
30-44
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,042
|
273,857
|
3
|
377
|
45-59
|
34.0
|
7.6
|
25.7
|
20
|
2,550
|
15,747
|
2,693,005
|
59
|
9,914
|
60-74
|
48.0
|
8.5
|
49.7
|
32
|
4,705
|
5,169
|
757,865
|
67
|
9,475
|
75-89
|
62.3
|
18.8
|
158.0
|
11
|
2,730
|
297
|
27,242
|
18
|
1,728
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
43.1
|
5.4
|
46.5
|
63
|
9,985
|
23,351
|
3,753,702
|
146
|
21,495
|
GRAND TOTAL
|
49.2
|
2.1
|
45.8
|
550
|
133,891
|
704,952
|
238,534,698
|
1,119
|
292,090
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.4
TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
41.1
|
20.5
|
47.7
|
4
|
1,606
|
17,726
|
4,920,896
|
10
|
3,371
|
2
|
74.2
|
24.7
|
26.8
|
9
|
1,070
|
16,490
|
4,725,591
|
12
|
3,997
|
3
|
65.2
|
20.6
|
44.6
|
10
|
2,085
|
17,827
|
5,257,140
|
15
|
4,675
|
4
|
50.0
|
15.8
|
20.1
|
10
|
1,217
|
19,275
|
5,570,917
|
20
|
6,054
|
5
|
62.6
|
16.2
|
45.6
|
15
|
3,567
|
19,357
|
5,693,823
|
24
|
7,829
|
6-10
|
60.1
|
6.0
|
32.8
|
102
|
13,889
|
84,319
|
21,597,843
|
170
|
42,351
|
11-15
|
56.5
|
4.4
|
44.3
|
168
|
20,725
|
93,016
|
13,633,790
|
298
|
46,783
|
Total
|
58.0
|
3.3
|
38.4
|
318
|
44,159
|
268,010
|
61,399,999
|
548
|
115,059
|
Select Experience By Issue Age
|
0-4
|
75.8
|
33.9
|
77.1
|
5
|
535
|
26,858
|
2,957,012
|
7
|
694
|
5-29
|
60.7
|
10.7
|
57.7
|
32
|
5,379
|
88,725
|
16,306,104
|
53
|
9,324
|
30-44
|
53.9
|
6.2
|
39.6
|
75
|
13,554
|
99,564
|
27,829,962
|
139
|
34,264
|
45-59
|
57.5
|
5.1
|
32.4
|
126
|
15,460
|
46,146
|
12,703,756
|
219
|
47,760
|
60-74
|
56.4
|
7.0
|
38.0
|
64
|
7,536
|
6,409
|
1,530,172
|
113
|
19,853
|
75-89
|
92.2
|
23.1
|
53.6
|
16
|
1,695
|
309
|
72,993
|
17
|
3,164
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
58.0
|
3.3
|
38.4
|
318
|
44,159
|
268,010
|
61,399,999
|
548
|
115,059
|
Ultimate Experience By Attained Age
|
15-29
|
55.2
|
13.0
|
59.5
|
18
|
1,048
|
49,519
|
2,686,809
|
33
|
1,762
|
30-44
|
58.6
|
11.5
|
51.7
|
26
|
1,596
|
36,256
|
2,543,552
|
44
|
3,084
|
45-59
|
54.8
|
4.2
|
54.7
|
172
|
18,222
|
78,834
|
8,451,731
|
314
|
33,299
|
60-74
|
57.3
|
3.1
|
67.3
|
331
|
37,868
|
39,999
|
4,025,549
|
578
|
56,238
|
75-89
|
66.7
|
3.8
|
54.1
|
301
|
21,044
|
7,221
|
607,475
|
451
|
38,933
|
90-120
|
104.4
|
14.9
|
173.5
|
49
|
4,689
|
268
|
14,860
|
47
|
2,702
|
Total
|
61.2
|
2.0
|
62.1
|
897
|
84,466
|
212,097
|
18,329,976
|
1,467
|
136,018
|
GRAND TOTAL
|
60.3
|
1.7
|
51.2
|
1,215
|
128,626
|
480,107
|
79,729,975
|
2,015
|
251,077
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.5
TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
50.1
|
10.4
|
28.7
|
23
|
2,458
|
67,053
|
11,269,306
|
46
|
8,552
|
2
|
58.2
|
9.3
|
46.8
|
39
|
6,257
|
71,982
|
13,283,250
|
67
|
13,374
|
3
|
46.2
|
7.8
|
23.8
|
35
|
2,997
|
69,912
|
11,193,895
|
76
|
12,607
|
4
|
67.4
|
8.9
|
57.2
|
57
|
8,774
|
67,742
|
11,545,617
|
85
|
15,329
|
5
|
68.1
|
8.3
|
40.7
|
67
|
7,529
|
65,962
|
11,447,813
|
98
|
18,508
|
6-10
|
61.4
|
2.9
|
61.0
|
440
|
68,919
|
258,453
|
38,217,104
|
717
|
112,919
|
11-15
|
53.0
|
1.9
|
54.3
|
797
|
117,493
|
272,308
|
36,990,691
|
1,505
|
216,428
|
Total
|
56.2
|
1.5
|
53.9
|
1,458
|
214,428
|
873,412
|
133,947,677
|
2,593
|
397,716
|
Select Experience By Issue Age
|
0-4
|
75.3
|
23.8
|
84.6
|
10
|
770
|
55,805
|
3,856,585
|
13
|
910
|
5-29
|
51.9
|
5.9
|
55.6
|
78
|
10,560
|
255,486
|
32,785,335
|
150
|
18,998
|
30-44
|
56.6
|
3.4
|
54.4
|
275
|
44,560
|
338,041
|
61,926,351
|
486
|
81,920
|
45-59
|
55.5
|
2.5
|
59.1
|
497
|
73,500
|
176,318
|
28,102,664
|
895
|
124,381
|
60-74
|
54.7
|
2.5
|
40.5
|
479
|
51,994
|
44,955
|
6,499,403
|
876
|
128,235
|
75-89
|
69.1
|
6.3
|
76.4
|
119
|
33,045
|
2,807
|
777,339
|
172
|
43,271
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
56.2
|
1.5
|
53.9
|
1,458
|
214,428
|
873,412
|
133,947,677
|
2,593
|
397,716
|
Ultimate Experience By Attained Age
|
15-29
|
78.0
|
29.5
|
57.1
|
7
|
254
|
14,052
|
682,832
|
9
|
446
|
30-44
|
47.8
|
12.0
|
42.8
|
16
|
1,589
|
26,456
|
2,865,863
|
33
|
3,713
|
45-59
|
48.4
|
4.0
|
49.3
|
147
|
24,392
|
78,818
|
12,880,987
|
304
|
49,523
|
60-74
|
48.9
|
3.0
|
52.0
|
272
|
47,303
|
39,566
|
6,520,482
|
557
|
90,971
|
75-89
|
51.3
|
3.9
|
35.6
|
170
|
20,838
|
5,641
|
983,074
|
332
|
58,505
|
90-120
|
76.4
|
17.5
|
77.2
|
19
|
1,982
|
151
|
15,414
|
25
|
2,566
|
Total
|
50.1
|
2.0
|
46.8
|
631
|
96,357
|
164,685
|
23,948,651
|
1,259
|
205,724
|
GRAND TOTAL
|
54.2
|
1.2
|
51.5
|
2,089
|
310,785
|
1,038,097
|
157,896,328
|
3,852
|
603,440
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 9.6
TOTAL EXPERIENCE -- TERM TO 100
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
39.3
|
22.7
|
14.9
|
3
|
90
|
4,478
|
435,451
|
8
|
602
|
2
|
74.3
|
24.8
|
88.0
|
9
|
858
|
4,439
|
448,554
|
12
|
974
|
3
|
83.0
|
23.0
|
114.5
|
13
|
1,285
|
4,701
|
449,523
|
16
|
1,122
|
4
|
78.3
|
19.0
|
93.3
|
17
|
1,553
|
6,046
|
576,002
|
22
|
1,664
|
5
|
50.2
|
13.4
|
60.6
|
14
|
1,178
|
6,552
|
568,447
|
28
|
1,943
|
6-10
|
65.3
|
4.3
|
53.8
|
235
|
14,817
|
49,092
|
4,008,972
|
360
|
27,536
|
11-15
|
57.3
|
2.4
|
63.3
|
565
|
34,589
|
78,631
|
4,931,618
|
985
|
54,651
|
Total
|
59.9
|
2.0
|
61.4
|
856
|
54,369
|
153,939
|
11,418,566
|
1,430
|
88,493
|
Select Experience By Issue Age
|
0-4
|
52.8
|
52.8
|
40.0
|
1
|
25
|
9,107
|
316,340
|
2
|
62
|
5-29
|
77.8
|
18.9
|
82.3
|
17
|
1,265
|
30,582
|
2,134,156
|
22
|
1,537
|
30-44
|
77.1
|
9.9
|
65.7
|
60
|
4,497
|
36,416
|
3,811,157
|
78
|
6,841
|
45-59
|
56.3
|
4.0
|
67.0
|
200
|
13,180
|
45,382
|
3,303,482
|
355
|
19,677
|
60-74
|
59.9
|
2.7
|
58.6
|
494
|
25,732
|
30,629
|
1,648,054
|
825
|
43,906
|
75-89
|
56.7
|
6.2
|
58.7
|
84
|
9,670
|
1,823
|
205,378
|
148
|
16,469
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
59.9
|
2.0
|
61.4
|
856
|
54,369
|
153,939
|
11,418,566
|
1,430
|
88,493
|
Ultimate Experience By Attained Age
|
15-29
|
63.2
|
25.8
|
34.1
|
6
|
90
|
14,617
|
423,339
|
9
|
264
|
30-44
|
72.3
|
13.7
|
69.4
|
28
|
1,880
|
30,734
|
2,094,139
|
39
|
2,709
|
45-59
|
49.0
|
3.0
|
51.3
|
271
|
28,777
|
131,521
|
13,885,889
|
553
|
56,047
|
60-74
|
53.2
|
1.7
|
46.6
|
965
|
70,665
|
107,968
|
9,626,408
|
1,812
|
151,587
|
75-89
|
63.5
|
1.3
|
51.5
|
2,234
|
131,155
|
52,293
|
3,698,371
|
3,520
|
254,525
|
90-120
|
79.7
|
3.9
|
70.5
|
418
|
27,850
|
2,863
|
214,600
|
524
|
39,521
|
Total
|
60.7
|
1.0
|
51.6
|
3,922
|
260,418
|
339,997
|
29,942,746
|
6,458
|
504,655
|
GRAND TOTAL
|
60.6
|
0.9
|
53.1
|
4,778
|
314,787
|
493,935
|
41,361,313
|
7,888
|
593,147
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.1
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
91.5
|
45.8
|
37.5
|
4
|
721
|
3,666
|
1,786,181
|
4
|
1,923
|
2
|
46.1
|
26.6
|
39.2
|
3
|
1,150
|
4,001
|
2,049,472
|
7
|
2,931
|
3
|
39.4
|
22.7
|
30.0
|
3
|
850
|
3,851
|
1,651,243
|
8
|
2,833
|
4
|
48.8
|
24.4
|
29.4
|
4
|
1,050
|
3,531
|
1,680,190
|
8
|
3,577
|
5
|
70.5
|
31.5
|
48.5
|
5
|
1,400
|
2,635
|
1,131,245
|
7
|
2,884
|
6-10
|
50.2
|
8.0
|
56.8
|
39
|
13,658
|
15,608
|
5,475,035
|
78
|
24,046
|
11-15
|
83.4
|
18.2
|
67.5
|
21
|
3,380
|
3,653
|
757,963
|
25
|
5,009
|
Total
|
57.8
|
6.5
|
51.4
|
79
|
22,209
|
36,945
|
14,531,328
|
137
|
43,202
|
Select Experience By Issue Age
|
0-4
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
5-14
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
15-24
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,757
|
468,807
|
2
|
438
|
25-34
|
58.9
|
19.6
|
63.3
|
9
|
3,480
|
12,002
|
4,756,194
|
15
|
5,501
|
35-44
|
40.8
|
10.2
|
40.4
|
16
|
6,095
|
13,874
|
6,195,890
|
39
|
15,089
|
45-54
|
59.1
|
10.3
|
58.4
|
33
|
9,688
|
7,868
|
2,716,277
|
56
|
16,589
|
55-64
|
75.2
|
18.8
|
40.1
|
16
|
2,036
|
1,360
|
379,736
|
21
|
5,082
|
65-74
|
129.6
|
64.8
|
145.2
|
4
|
665
|
80
|
14,128
|
3
|
458
|
75-89
|
519.2
|
519.2
|
563.6
|
1
|
245
|
2
|
295
|
0
|
43
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
57.8
|
6.5
|
51.4
|
79
|
22,209
|
36,945
|
14,531,328
|
137
|
43,202
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
15
|
0
|
0
|
40-49
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
50-59
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
60-69
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
70-79
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
80-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
15
|
0
|
0
|
GRAND TOTAL
|
57.8
|
6.5
|
51.4
|
79
|
22,209
|
36,946
|
14,531,343
|
137
|
43,202
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.2
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
30.7
|
13.7
|
7.7
|
5
|
302
|
12,344
|
3,601,421
|
16
|
3,933
|
2
|
25.7
|
11.5
|
11.4
|
5
|
508
|
10,594
|
2,900,405
|
19
|
4,460
|
3
|
52.1
|
15.7
|
32.7
|
11
|
1,430
|
9,491
|
2,421,241
|
21
|
4,379
|
4
|
66.7
|
17.2
|
86.8
|
15
|
3,971
|
8,871
|
2,194,025
|
22
|
4,575
|
5
|
49.8
|
15.0
|
41.2
|
11
|
1,886
|
7,556
|
1,828,778
|
22
|
4,573
|
6-10
|
62.9
|
6.0
|
49.6
|
109
|
15,017
|
37,504
|
7,493,513
|
173
|
30,289
|
11-15
|
69.9
|
9.3
|
73.1
|
56
|
5,500
|
12,044
|
1,253,605
|
80
|
7,526
|
Total
|
59.8
|
4.1
|
47.9
|
212
|
28,613
|
98,404
|
21,692,990
|
355
|
59,735
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
10
|
229
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
7,831
|
428,990
|
6
|
344
|
15-24
|
128.3
|
38.7
|
105.1
|
11
|
1,068
|
8,733
|
1,107,917
|
9
|
1,017
|
25-34
|
36.1
|
10.4
|
46.5
|
12
|
3,758
|
28,190
|
7,254,715
|
33
|
8,077
|
35-44
|
67.7
|
9.2
|
58.5
|
54
|
11,389
|
29,135
|
8,299,044
|
80
|
19,458
|
45-54
|
49.6
|
6.3
|
30.6
|
63
|
6,773
|
18,958
|
3,962,337
|
127
|
22,162
|
55-64
|
68.1
|
9.4
|
68.1
|
52
|
5,106
|
4,871
|
600,475
|
76
|
7,499
|
65-74
|
84.4
|
19.4
|
44.1
|
19
|
504
|
661
|
38,887
|
23
|
1,144
|
75-89
|
89.7
|
89.7
|
42.9
|
1
|
15
|
15
|
397
|
1
|
35
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
59.8
|
4.1
|
47.9
|
212
|
28,613
|
98,404
|
21,692,990
|
355
|
59,735
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
21
|
1,458
|
0
|
1
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
224
|
13,873
|
0
|
14
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
62
|
3,914
|
0
|
7
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
248
|
25,057
|
1
|
109
|
50-59
|
75.0
|
33.5
|
53.0
|
5
|
470
|
568
|
76,920
|
7
|
887
|
60-69
|
88.0
|
24.4
|
62.0
|
13
|
822
|
482
|
44,114
|
15
|
1,326
|
70-79
|
61.6
|
27.5
|
58.2
|
5
|
274
|
125
|
7,398
|
8
|
470
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
115
|
0
|
13
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
73.1
|
15.2
|
55.4
|
23
|
1,566
|
1,734
|
172,848
|
31
|
2,827
|
GRAND TOTAL
|
60.8
|
4.0
|
48.2
|
235
|
30,180
|
100,137
|
21,865,838
|
386
|
62,562
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.3
TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
115.2
|
30.8
|
58.9
|
14
|
841
|
7,739
|
1,219,137
|
12
|
1,428
|
2
|
79.9
|
21.4
|
142.0
|
14
|
3,172
|
7,644
|
1,354,709
|
18
|
2,233
|
3
|
90.8
|
20.8
|
69.6
|
19
|
1,792
|
8,033
|
1,345,608
|
21
|
2,576
|
4
|
88.2
|
19.3
|
59.6
|
21
|
1,944
|
7,783
|
1,391,755
|
24
|
3,263
|
5
|
84.6
|
16.6
|
82.3
|
26
|
3,066
|
8,381
|
1,371,539
|
31
|
3,725
|
6-10
|
78.0
|
5.8
|
48.2
|
183
|
12,418
|
43,184
|
6,109,183
|
235
|
25,783
|
11-15
|
57.4
|
2.9
|
45.7
|
390
|
23,691
|
76,892
|
7,034,188
|
679
|
51,895
|
Total
|
65.4
|
2.5
|
51.6
|
667
|
46,924
|
159,656
|
19,826,119
|
1,019
|
90,902
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,879
|
130,527
|
2
|
93
|
5-14
|
95.1
|
27.4
|
103.8
|
12
|
771
|
14,410
|
868,040
|
13
|
743
|
15-24
|
87.3
|
17.8
|
71.3
|
24
|
1,825
|
22,917
|
2,287,654
|
27
|
2,559
|
25-34
|
51.6
|
8.3
|
45.8
|
39
|
4,872
|
38,985
|
6,003,791
|
76
|
10,628
|
35-44
|
65.1
|
5.5
|
54.4
|
141
|
15,472
|
42,547
|
6,716,679
|
217
|
28,428
|
45-54
|
63.2
|
4.4
|
52.6
|
210
|
15,826
|
27,209
|
3,101,267
|
333
|
30,074
|
55-64
|
65.0
|
5.2
|
41.1
|
158
|
5,796
|
8,817
|
640,815
|
243
|
14,106
|
65-74
|
76.9
|
8.7
|
56.1
|
78
|
2,264
|
1,799
|
74,258
|
101
|
4,034
|
75-89
|
65.1
|
29.1
|
41.0
|
5
|
97
|
93
|
3,088
|
8
|
236
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
65.4
|
2.5
|
51.6
|
667
|
46,924
|
159,656
|
19,826,119
|
1,019
|
90,902
|
Ultimate Experience By Attained Age
|
15-19
|
35.9
|
20.7
|
41.9
|
3
|
162
|
10,285
|
479,175
|
8
|
388
|
20-29
|
67.6
|
14.1
|
57.6
|
23
|
770
|
34,228
|
1,346,650
|
34
|
1,336
|
30-39
|
58.1
|
9.7
|
57.4
|
36
|
1,513
|
35,671
|
1,502,523
|
62
|
2,636
|
40-49
|
48.5
|
4.8
|
40.4
|
102
|
6,310
|
50,410
|
3,633,640
|
210
|
15,628
|
50-59
|
51.0
|
2.3
|
52.3
|
512
|
39,843
|
86,485
|
6,656,472
|
1,004
|
76,221
|
60-69
|
55.7
|
1.8
|
61.2
|
954
|
56,864
|
56,070
|
3,161,574
|
1,714
|
92,908
|
70-79
|
61.5
|
1.9
|
52.4
|
1,085
|
29,564
|
24,536
|
806,626
|
1,765
|
56,405
|
80-89
|
72.5
|
2.6
|
70.1
|
798
|
16,728
|
7,889
|
172,598
|
1,101
|
23,853
|
90-99
|
64.8
|
6.8
|
74.4
|
90
|
1,291
|
566
|
7,379
|
139
|
1,736
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13
|
12
|
7
|
7
|
Total
|
59.6
|
1.0
|
56.4
|
3,603
|
153,046
|
306,152
|
17,766,650
|
6,044
|
271,118
|
GRAND TOTAL
|
60.5
|
0.9
|
55.2
|
4,270
|
199,970
|
465,808
|
37,592,769
|
7,063
|
362,020
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.4
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
23.0
|
9.4
|
22.9
|
6
|
3,425
|
37,946
|
23,489,967
|
26
|
14,962
|
2
|
43.2
|
10.5
|
53.2
|
17
|
11,690
|
41,056
|
25,111,488
|
39
|
21,993
|
3
|
33.2
|
8.6
|
39.0
|
15
|
9,025
|
38,947
|
21,802,025
|
45
|
23,121
|
4
|
35.8
|
8.4
|
29.2
|
18
|
7,658
|
37,580
|
20,575,164
|
50
|
26,258
|
5
|
31.7
|
8.2
|
24.8
|
15
|
5,896
|
30,303
|
16,410,504
|
47
|
23,754
|
6-10
|
47.2
|
3.4
|
46.5
|
197
|
81,809
|
162,146
|
73,770,231
|
418
|
176,033
|
11-15
|
55.0
|
6.4
|
77.2
|
73
|
31,848
|
36,903
|
11,976,535
|
133
|
41,271
|
Total
|
44.9
|
2.4
|
46.2
|
341
|
151,352
|
384,881
|
193,135,914
|
759
|
327,391
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9
|
1,884
|
0
|
1
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
492
|
118,403
|
0
|
101
|
15-24
|
61.2
|
23.1
|
62.4
|
7
|
2,125
|
15,328
|
4,785,921
|
11
|
3,405
|
25-34
|
37.2
|
6.9
|
36.7
|
29
|
13,318
|
100,766
|
49,687,274
|
78
|
36,335
|
35-44
|
41.1
|
4.8
|
41.6
|
74
|
38,090
|
143,941
|
80,996,193
|
180
|
91,557
|
45-54
|
47.2
|
4.3
|
40.8
|
120
|
44,798
|
93,568
|
45,492,948
|
254
|
109,861
|
55-64
|
46.7
|
5.1
|
40.6
|
85
|
26,197
|
27,901
|
10,933,302
|
182
|
64,487
|
65-74
|
53.2
|
10.6
|
111.7
|
25
|
18,823
|
2,776
|
1,021,871
|
47
|
16,852
|
75-89
|
17.9
|
17.9
|
167.0
|
1
|
8,000
|
100
|
98,119
|
6
|
4,791
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
44.9
|
2.4
|
46.2
|
341
|
151,352
|
384,881
|
193,135,914
|
759
|
327,391
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
350
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11
|
1,641
|
0
|
2
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
215
|
45,005
|
0
|
90
|
50-59
|
47.1
|
47.1
|
10.1
|
1
|
50
|
502
|
116,874
|
2
|
494
|
60-69
|
0.0
|
0.0
|
0.0
|
0
|
0
|
221
|
55,449
|
2
|
627
|
70-79
|
165.5
|
165.5
|
98.3
|
1
|
150
|
21
|
4,930
|
1
|
153
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
238
|
0
|
18
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
35.6
|
25.2
|
14.5
|
2
|
200
|
973
|
224,487
|
6
|
1,384
|
GRAND TOTAL
|
44.9
|
2.4
|
46.1
|
343
|
151,552
|
385,854
|
193,360,401
|
764
|
328,775
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.4
|
11.4
|
54.4
|
22
|
8,895
|
51,201
|
22,816,992
|
41
|
16,350
|
2
|
54.0
|
10.0
|
37.8
|
29
|
7,295
|
46,990
|
19,452,705
|
54
|
19,281
|
3
|
81.7
|
11.8
|
73.6
|
48
|
13,855
|
42,327
|
15,921,357
|
59
|
18,817
|
4
|
65.2
|
10.2
|
64.0
|
41
|
13,086
|
39,181
|
14,708,881
|
63
|
20,437
|
5
|
59.1
|
9.6
|
34.3
|
38
|
6,789
|
33,827
|
12,068,598
|
64
|
19,767
|
6-10
|
51.1
|
3.2
|
53.5
|
250
|
68,620
|
151,827
|
47,169,990
|
490
|
128,336
|
11-15
|
67.1
|
6.0
|
56.5
|
126
|
16,834
|
35,419
|
7,073,496
|
188
|
29,784
|
Total
|
57.8
|
2.5
|
53.6
|
554
|
135,375
|
400,772
|
139,212,019
|
958
|
252,772
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15
|
772
|
0
|
1
|
5-14
|
42.3
|
42.3
|
82.6
|
1
|
250
|
2,916
|
373,750
|
2
|
303
|
15-24
|
70.0
|
17.0
|
79.9
|
17
|
2,462
|
32,787
|
4,350,153
|
24
|
3,083
|
25-34
|
46.6
|
8.4
|
30.9
|
31
|
6,605
|
90,682
|
30,436,433
|
66
|
21,409
|
35-44
|
59.7
|
6.4
|
50.2
|
86
|
27,967
|
122,328
|
53,082,934
|
144
|
55,694
|
45-54
|
53.7
|
4.5
|
54.9
|
143
|
47,380
|
99,251
|
37,766,734
|
266
|
86,275
|
55-64
|
53.3
|
4.2
|
43.3
|
162
|
29,654
|
44,597
|
11,991,100
|
304
|
68,516
|
65-74
|
75.4
|
7.5
|
131.8
|
101
|
20,809
|
7,872
|
1,174,301
|
134
|
15,787
|
75-89
|
78.9
|
21.9
|
14.5
|
13
|
248
|
323
|
35,842
|
16
|
1,703
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
57.8
|
2.5
|
53.6
|
554
|
135,375
|
400,772
|
139,212,019
|
958
|
252,772
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
73
|
5,027
|
0
|
4
|
20-29
|
675.3
|
675.3
|
2941.1
|
1
|
300
|
149
|
10,275
|
0
|
10
|
30-39
|
515.5
|
364.5
|
163.7
|
2
|
50
|
336
|
26,452
|
0
|
31
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,059
|
169,626
|
2
|
335
|
50-59
|
94.8
|
27.4
|
74.2
|
12
|
1,777
|
2,767
|
524,459
|
13
|
2,396
|
60-69
|
61.5
|
12.8
|
54.5
|
23
|
3,098
|
3,001
|
462,650
|
37
|
5,689
|
70-79
|
72.1
|
12.9
|
166.4
|
31
|
8,216
|
1,272
|
149,313
|
43
|
4,937
|
80-89
|
50.2
|
25.1
|
67.1
|
4
|
700
|
97
|
12,403
|
8
|
1,044
|
90-99
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
165
|
1
|
33
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
69.9
|
8.2
|
97.7
|
73
|
14,141
|
8,759
|
1,360,370
|
104
|
14,479
|
GRAND TOTAL
|
59.0
|
2.4
|
55.9
|
627
|
149,516
|
409,531
|
140,572,389
|
1,063
|
267,251
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.6
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
66.8
|
14.6
|
41.4
|
21
|
2,702
|
34,565
|
8,315,008
|
31
|
6,528
|
2
|
79.2
|
13.0
|
36.7
|
37
|
3,740
|
35,044
|
9,284,731
|
47
|
10,194
|
3
|
67.1
|
10.9
|
54.2
|
38
|
7,766
|
35,509
|
10,800,036
|
57
|
14,316
|
4
|
62.8
|
9.8
|
35.2
|
41
|
5,659
|
33,856
|
10,747,933
|
65
|
16,063
|
5
|
51.6
|
7.9
|
37.9
|
43
|
6,846
|
36,562
|
10,320,158
|
83
|
18,052
|
6-10
|
65.0
|
3.3
|
53.1
|
400
|
59,360
|
177,443
|
40,179,479
|
615
|
111,822
|
11-15
|
53.7
|
1.7
|
51.6
|
966
|
130,519
|
275,558
|
48,059,588
|
1,798
|
253,154
|
Total
|
57.3
|
1.5
|
50.4
|
1,546
|
216,592
|
628,536
|
137,706,933
|
2,696
|
430,129
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
927
|
78,877
|
1
|
58
|
5-14
|
36.3
|
25.6
|
13.0
|
2
|
75
|
6,044
|
636,803
|
6
|
575
|
15-24
|
54.7
|
9.7
|
46.5
|
32
|
3,446
|
67,011
|
8,846,204
|
58
|
7,414
|
25-34
|
53.8
|
5.7
|
46.1
|
90
|
16,155
|
160,725
|
34,896,573
|
167
|
35,047
|
35-44
|
65.6
|
4.2
|
54.8
|
248
|
50,809
|
187,078
|
52,123,607
|
378
|
92,670
|
45-54
|
56.6
|
3.0
|
48.9
|
349
|
57,018
|
128,722
|
29,725,781
|
617
|
116,683
|
55-64
|
53.5
|
2.7
|
47.3
|
401
|
45,183
|
58,933
|
9,134,911
|
750
|
95,471
|
65-74
|
57.7
|
3.1
|
53.1
|
354
|
34,007
|
17,659
|
1,998,022
|
613
|
64,009
|
75-89
|
67.0
|
8.0
|
54.6
|
70
|
9,901
|
1,435
|
265,890
|
104
|
18,141
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
61
|
Total
|
57.3
|
1.5
|
50.4
|
1,546
|
216,592
|
628,536
|
137,706,933
|
2,696
|
430,129
|
Ultimate Experience By Attained Age
|
15-19
|
46.9
|
27.1
|
57.6
|
3
|
257
|
7,736
|
541,937
|
6
|
446
|
20-29
|
64.9
|
15.3
|
54.6
|
18
|
838
|
27,901
|
1,546,030
|
28
|
1,535
|
30-39
|
62.5
|
10.1
|
48.2
|
38
|
2,019
|
52,556
|
3,613,094
|
61
|
4,185
|
40-49
|
61.0
|
4.2
|
51.0
|
214
|
20,896
|
183,211
|
20,881,302
|
351
|
40,938
|
50-59
|
50.3
|
1.9
|
49.5
|
670
|
89,197
|
303,612
|
41,096,689
|
1,332
|
180,141
|
60-69
|
51.8
|
1.4
|
54.2
|
1,292
|
156,386
|
207,634
|
24,611,852
|
2,495
|
288,416
|
70-79
|
52.8
|
1.2
|
44.9
|
1,884
|
127,810
|
95,951
|
7,886,135
|
3,570
|
284,793
|
80-89
|
63.2
|
1.3
|
52.5
|
2,349
|
131,643
|
38,797
|
2,653,241
|
3,718
|
250,538
|
90-99
|
80.5
|
3.7
|
70.4
|
474
|
23,894
|
2,922
|
166,224
|
589
|
33,957
|
100+
|
29.9
|
17.3
|
108.9
|
3
|
521
|
19
|
1,079
|
10
|
478
|
Total
|
57.1
|
0.7
|
51.0
|
6,945
|
553,461
|
920,337
|
102,997,584
|
12,160
|
1,085,427
|
GRAND TOTAL
|
57.2
|
0.6
|
50.8
|
8,491
|
770,053
|
1,548,874
|
240,704,517
|
14,856
|
1,515,556
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.7
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,105
|
822,546
|
2
|
559
|
2
|
37.2
|
37.2
|
17.4
|
1
|
150
|
2,363
|
880,746
|
3
|
862
|
3
|
63.7
|
45.0
|
22.4
|
2
|
225
|
2,270
|
801,777
|
3
|
1,005
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,163
|
748,641
|
4
|
1,070
|
5
|
34.0
|
34.0
|
31.4
|
1
|
300
|
1,600
|
554,990
|
3
|
956
|
6-10
|
76.5
|
16.3
|
60.7
|
22
|
4,350
|
9,613
|
2,530,767
|
29
|
7,163
|
11-15
|
58.9
|
24.1
|
62.0
|
6
|
925
|
2,585
|
392,619
|
10
|
1,492
|
Total
|
60.4
|
10.7
|
45.4
|
32
|
5,950
|
22,699
|
6,732,087
|
53
|
13,106
|
Select Experience By Issue Age
|
0-4
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
100
|
0
|
0
|
15-24
|
141.6
|
141.6
|
72.0
|
1
|
100
|
1,590
|
364,070
|
1
|
139
|
25-34
|
46.3
|
26.8
|
44.9
|
3
|
800
|
7,827
|
2,535,389
|
6
|
1,783
|
35-44
|
50.1
|
17.7
|
24.0
|
8
|
1,075
|
7,547
|
2,459,271
|
16
|
4,485
|
45-54
|
60.9
|
17.6
|
66.6
|
12
|
2,800
|
4,791
|
1,153,446
|
20
|
4,204
|
55-64
|
115.7
|
40.9
|
77.3
|
8
|
1,175
|
827
|
188,683
|
7
|
1,521
|
65-74
|
0.0
|
0.0
|
0.0
|
0
|
0
|
109
|
23,720
|
3
|
546
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8
|
7,407
|
0
|
428
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
60.4
|
10.7
|
45.4
|
32
|
5,950
|
22,699
|
6,732,087
|
53
|
13,106
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
30-39
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
40-49
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
50-59
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
60-69
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
70-79
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
80-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
GRAND TOTAL
|
60.4
|
10.7
|
45.4
|
32
|
5,950
|
22,699
|
6,732,087
|
53
|
13,106
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.8
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
14.0
|
14.0
|
20.3
|
1
|
250
|
8,082
|
1,757,995
|
7
|
1,234
|
2
|
93.2
|
31.1
|
117.5
|
9
|
1,830
|
7,256
|
1,366,021
|
10
|
1,557
|
3
|
48.0
|
21.5
|
31.8
|
5
|
470
|
6,862
|
1,240,636
|
10
|
1,479
|
4
|
64.4
|
24.3
|
42.2
|
7
|
638
|
6,413
|
1,086,785
|
11
|
1,513
|
5
|
82.7
|
27.6
|
75.2
|
9
|
1,115
|
5,782
|
960,956
|
11
|
1,483
|
6-10
|
85.3
|
10.0
|
56.0
|
73
|
5,210
|
29,393
|
3,789,318
|
86
|
9,296
|
11-15
|
88.7
|
14.0
|
84.4
|
40
|
2,259
|
11,379
|
775,235
|
45
|
2,676
|
Total
|
80.1
|
6.7
|
61.2
|
144
|
11,772
|
75,168
|
10,976,947
|
180
|
19,237
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11
|
395
|
0
|
0
|
5-14
|
44.9
|
44.9
|
102.4
|
1
|
125
|
7,228
|
399,962
|
2
|
122
|
15-24
|
28.2
|
28.2
|
2.9
|
1
|
10
|
8,894
|
958,581
|
4
|
344
|
25-34
|
47.0
|
17.7
|
33.8
|
7
|
831
|
20,292
|
3,798,592
|
15
|
2,462
|
35-44
|
62.7
|
12.3
|
56.7
|
26
|
3,526
|
19,426
|
3,531,122
|
41
|
6,217
|
45-54
|
75.1
|
11.1
|
51.6
|
46
|
3,429
|
14,278
|
1,879,948
|
61
|
6,641
|
55-64
|
103.2
|
16.1
|
99.8
|
41
|
2,639
|
4,312
|
366,515
|
40
|
2,644
|
65-74
|
142.0
|
30.3
|
175.4
|
22
|
1,212
|
700
|
36,513
|
15
|
691
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
27
|
5,319
|
1
|
116
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
80.1
|
6.7
|
61.2
|
144
|
11,772
|
75,168
|
10,976,947
|
180
|
19,237
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
22
|
1,401
|
0
|
1
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
218
|
14,238
|
0
|
5
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
41
|
3,330
|
0
|
4
|
40-49
|
359.3
|
254.0
|
279.3
|
2
|
150
|
182
|
17,718
|
1
|
54
|
50-59
|
78.2
|
55.3
|
111.3
|
2
|
230
|
385
|
31,600
|
3
|
207
|
60-69
|
105.2
|
52.6
|
72.6
|
4
|
130
|
250
|
12,107
|
4
|
179
|
70-79
|
193.5
|
96.8
|
314.9
|
4
|
256
|
63
|
2,301
|
2
|
81
|
80-89
|
217.9
|
217.9
|
606.9
|
1
|
48
|
6
|
111
|
0
|
8
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
135.7
|
37.6
|
151.1
|
13
|
814
|
1,166
|
82,806
|
10
|
539
|
GRAND TOTAL
|
83.0
|
6.6
|
63.6
|
157
|
12,586
|
76,334
|
11,059,753
|
189
|
19,776
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.9
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
29.9
|
21.2
|
37.1
|
2
|
250
|
5,720
|
711,818
|
7
|
673
|
2
|
100.0
|
31.6
|
31.8
|
10
|
315
|
5,937
|
756,930
|
10
|
992
|
3
|
81.0
|
25.6
|
54.2
|
10
|
581
|
6,399
|
772,134
|
12
|
1,072
|
4
|
68.7
|
21.7
|
95.5
|
10
|
1,322
|
6,281
|
842,395
|
15
|
1,384
|
5
|
74.8
|
20.7
|
103.2
|
13
|
1,559
|
6,857
|
848,119
|
17
|
1,511
|
6-10
|
78.9
|
7.9
|
55.7
|
100
|
5,970
|
35,411
|
3,885,990
|
127
|
10,724
|
11-15
|
83.0
|
4.5
|
75.0
|
340
|
17,587
|
73,233
|
5,105,815
|
410
|
23,462
|
Total
|
81.2
|
3.7
|
69.3
|
485
|
27,584
|
139,838
|
12,923,202
|
597
|
39,819
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,736
|
131,736
|
1
|
40
|
5-14
|
44.0
|
31.1
|
155.9
|
2
|
432
|
13,767
|
855,509
|
5
|
277
|
15-24
|
76.1
|
25.4
|
91.2
|
9
|
863
|
20,875
|
1,820,850
|
12
|
946
|
25-34
|
60.5
|
11.6
|
47.3
|
27
|
2,286
|
30,825
|
3,802,171
|
45
|
4,836
|
35-44
|
58.2
|
7.0
|
55.7
|
70
|
6,074
|
34,418
|
3,703,594
|
120
|
10,898
|
45-54
|
87.3
|
6.9
|
68.4
|
160
|
7,556
|
25,595
|
1,967,814
|
183
|
11,041
|
55-64
|
92.6
|
8.0
|
74.6
|
134
|
5,083
|
9,320
|
514,556
|
145
|
6,818
|
65-74
|
83.9
|
10.6
|
84.1
|
63
|
3,243
|
2,137
|
114,014
|
75
|
3,857
|
75-89
|
163.4
|
36.5
|
185.1
|
20
|
2,047
|
165
|
12,958
|
12
|
1,106
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
81.2
|
3.7
|
69.3
|
485
|
27,584
|
139,838
|
12,923,202
|
597
|
39,819
|
Ultimate Experience By Attained Age
|
15-19
|
93.0
|
53.7
|
77.1
|
3
|
119
|
9,973
|
479,189
|
3
|
155
|
20-29
|
56.7
|
21.4
|
43.4
|
7
|
209
|
31,444
|
1,237,296
|
12
|
483
|
30-39
|
73.3
|
15.0
|
50.7
|
24
|
726
|
33,527
|
1,426,061
|
33
|
1,432
|
40-49
|
51.2
|
5.5
|
58.9
|
86
|
6,131
|
55,699
|
3,429,384
|
168
|
10,404
|
50-59
|
66.9
|
3.6
|
63.4
|
349
|
17,368
|
79,704
|
4,291,183
|
521
|
27,411
|
60-69
|
82.3
|
3.4
|
86.1
|
599
|
20,183
|
47,552
|
1,600,121
|
728
|
23,442
|
70-79
|
95.8
|
3.4
|
89.3
|
773
|
14,181
|
22,035
|
440,071
|
807
|
15,887
|
80-89
|
104.9
|
3.9
|
106.8
|
717
|
12,091
|
8,336
|
143,308
|
683
|
11,326
|
90-99
|
88.3
|
7.5
|
100.7
|
140
|
1,758
|
898
|
10,000
|
159
|
1,746
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16
|
13
|
7
|
6
|
Total
|
86.4
|
1.7
|
78.8
|
2,698
|
72,767
|
289,185
|
13,056,625
|
3,122
|
92,291
|
GRAND TOTAL
|
85.6
|
1.5
|
76.0
|
3,183
|
100,351
|
429,023
|
25,979,827
|
3,720
|
132,110
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.10
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
40.8
|
16.7
|
36.9
|
6
|
2,490
|
36,238
|
17,609,510
|
15
|
6,750
|
2
|
27.6
|
11.3
|
21.1
|
6
|
2,000
|
38,854
|
18,254,718
|
22
|
9,477
|
3
|
40.2
|
12.7
|
43.9
|
10
|
4,090
|
37,401
|
16,041,844
|
25
|
9,320
|
4
|
37.5
|
11.8
|
29.0
|
10
|
3,031
|
35,502
|
15,073,085
|
27
|
10,457
|
5
|
55.3
|
14.8
|
41.1
|
14
|
4,496
|
27,708
|
11,440,387
|
25
|
10,944
|
6-10
|
48.3
|
4.9
|
49.4
|
98
|
29,767
|
141,117
|
46,473,857
|
203
|
60,315
|
11-15
|
66.6
|
9.7
|
86.4
|
47
|
13,278
|
32,524
|
7,219,248
|
71
|
15,361
|
Total
|
49.4
|
3.6
|
48.2
|
191
|
59,152
|
349,345
|
132,112,648
|
387
|
122,624
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
14
|
2,167
|
0
|
1
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
477
|
109,214
|
0
|
34
|
15-24
|
58.4
|
33.7
|
78.8
|
3
|
1,050
|
18,716
|
5,325,519
|
5
|
1,333
|
25-34
|
51.8
|
10.2
|
50.0
|
26
|
9,102
|
118,664
|
47,488,460
|
50
|
18,200
|
35-44
|
55.7
|
7.2
|
62.5
|
59
|
24,246
|
127,124
|
52,653,675
|
106
|
38,818
|
45-54
|
50.9
|
6.6
|
44.7
|
59
|
14,659
|
66,826
|
21,725,520
|
116
|
32,790
|
55-64
|
52.9
|
9.2
|
56.3
|
33
|
8,175
|
15,128
|
3,931,096
|
62
|
14,510
|
65-74
|
23.2
|
8.8
|
6.8
|
7
|
670
|
2,035
|
694,278
|
30
|
9,843
|
75-89
|
24.2
|
12.1
|
17.6
|
4
|
1,250
|
360
|
182,719
|
17
|
7,095
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
49.4
|
3.6
|
48.2
|
191
|
59,152
|
349,345
|
132,112,648
|
387
|
122,624
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
600
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
17
|
2,700
|
0
|
2
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
176
|
28,346
|
0
|
38
|
50-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
368
|
57,243
|
1
|
155
|
60-69
|
274.3
|
194.0
|
71.0
|
2
|
85
|
114
|
18,220
|
1
|
120
|
70-79
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
285
|
0
|
4
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
250
|
0
|
12
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
98.7
|
69.8
|
25.7
|
2
|
85
|
682
|
107,644
|
2
|
331
|
GRAND TOTAL
|
49.7
|
3.6
|
48.2
|
193
|
59,237
|
350,027
|
132,220,292
|
389
|
122,955
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.11
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
15.4
|
7.7
|
17.6
|
4
|
971
|
50,220
|
13,663,619
|
26
|
5,509
|
2
|
45.9
|
11.5
|
33.6
|
16
|
2,270
|
46,442
|
11,736,941
|
35
|
6,759
|
3
|
57.2
|
12.2
|
51.1
|
22
|
3,644
|
43,260
|
10,492,405
|
38
|
7,138
|
4
|
47.2
|
10.8
|
57.3
|
19
|
4,137
|
39,743
|
9,125,553
|
40
|
7,224
|
5
|
63.8
|
12.1
|
57.7
|
28
|
4,295
|
35,228
|
7,982,456
|
44
|
7,445
|
6-10
|
56.6
|
4.3
|
53.0
|
170
|
20,839
|
142,685
|
26,840,876
|
301
|
39,349
|
11-15
|
59.4
|
6.8
|
67.9
|
76
|
6,782
|
34,387
|
4,043,970
|
128
|
9,988
|
Total
|
54.7
|
3.0
|
51.5
|
335
|
42,937
|
391,966
|
83,885,819
|
612
|
83,411
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
7
|
225
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,671
|
326,748
|
1
|
100
|
15-24
|
79.9
|
28.3
|
88.1
|
8
|
1,029
|
37,841
|
4,721,675
|
10
|
1,168
|
25-34
|
54.0
|
11.3
|
61.7
|
23
|
5,950
|
112,517
|
27,059,386
|
43
|
9,644
|
35-44
|
58.0
|
8.0
|
54.3
|
52
|
11,398
|
112,749
|
29,895,613
|
90
|
20,981
|
45-54
|
48.2
|
5.8
|
41.6
|
68
|
10,065
|
80,932
|
16,514,137
|
141
|
24,225
|
55-64
|
56.6
|
5.9
|
52.0
|
91
|
8,790
|
35,314
|
4,646,001
|
161
|
16,902
|
65-74
|
51.4
|
6.3
|
45.9
|
66
|
3,653
|
9,054
|
668,920
|
128
|
7,956
|
75-89
|
70.0
|
13.5
|
84.3
|
27
|
2,053
|
880
|
53,114
|
39
|
2,436
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
54.7
|
3.0
|
51.5
|
335
|
42,937
|
391,966
|
83,885,819
|
612
|
83,411
|
Ultimate Experience By Attained Age
|
15-19
|
4447.0
|
4447.0
|
9687.5
|
1
|
175
|
72
|
5,779
|
0
|
2
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
113
|
8,709
|
0
|
3
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
277
|
20,777
|
0
|
13
|
40-49
|
72.0
|
72.0
|
61.7
|
1
|
100
|
1,060
|
123,054
|
1
|
162
|
50-59
|
82.3
|
36.8
|
75.5
|
5
|
500
|
2,189
|
242,486
|
6
|
663
|
60-69
|
118.4
|
30.6
|
103.4
|
15
|
1,036
|
1,743
|
144,470
|
13
|
1,002
|
70-79
|
32.1
|
16.1
|
20.4
|
4
|
150
|
595
|
35,123
|
12
|
737
|
80-89
|
77.0
|
38.5
|
37.4
|
4
|
125
|
83
|
5,273
|
5
|
335
|
90-99
|
132.4
|
93.6
|
21.3
|
2
|
20
|
10
|
689
|
2
|
95
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
81.0
|
14.3
|
70.0
|
32
|
2,106
|
6,141
|
586,359
|
40
|
3,010
|
GRAND TOTAL
|
56.3
|
2.9
|
52.1
|
367
|
45,044
|
398,107
|
84,472,178
|
651
|
86,421
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014
TABLE 10.12
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
66.9
|
16.2
|
54.2
|
17
|
2,195
|
40,683
|
7,136,340
|
25
|
4,047
|
2
|
64.1
|
13.1
|
31.4
|
24
|
2,036
|
40,446
|
7,797,555
|
37
|
6,485
|
3
|
38.6
|
9.4
|
23.9
|
17
|
1,558
|
39,746
|
7,887,994
|
44
|
6,527
|
4
|
66.5
|
11.6
|
68.5
|
33
|
5,214
|
37,420
|
7,490,646
|
50
|
7,612
|
5
|
52.9
|
9.1
|
46.5
|
34
|
4,365
|
41,010
|
7,965,145
|
64
|
9,392
|
6-10
|
59.8
|
3.4
|
49.9
|
316
|
34,282
|
196,347
|
31,953,547
|
528
|
68,737
|
11-15
|
59.9
|
1.9
|
59.8
|
961
|
88,683
|
296,162
|
34,648,932
|
1,604
|
148,257
|
Total
|
59.6
|
1.6
|
55.1
|
1,402
|
138,332
|
691,815
|
104,880,159
|
2,353
|
251,056
|
Select Experience By Issue Age
|
0-4
|
367.9
|
367.9
|
105.2
|
1
|
25
|
892
|
78,340
|
0
|
24
|
5-14
|
48.5
|
48.5
|
46.0
|
1
|
100
|
6,072
|
648,774
|
2
|
217
|
15-24
|
65.4
|
15.4
|
61.6
|
18
|
1,883
|
74,942
|
9,019,222
|
28
|
3,056
|
25-34
|
70.7
|
7.8
|
59.2
|
83
|
11,313
|
189,322
|
33,063,768
|
117
|
19,099
|
35-44
|
66.5
|
5.2
|
61.5
|
165
|
24,610
|
192,065
|
35,452,397
|
248
|
39,991
|
45-54
|
61.8
|
3.9
|
58.0
|
253
|
25,230
|
132,835
|
17,676,088
|
410
|
43,464
|
55-64
|
51.0
|
2.9
|
42.4
|
304
|
18,841
|
67,389
|
6,005,244
|
596
|
44,425
|
65-74
|
57.5
|
2.9
|
43.1
|
406
|
27,946
|
24,822
|
2,394,462
|
705
|
64,827
|
75-89
|
69.2
|
5.3
|
77.1
|
170
|
27,526
|
3,474
|
540,905
|
246
|
35,713
|
90+
|
174.0
|
174.0
|
356.6
|
1
|
858
|
3
|
958
|
1
|
241
|
Total
|
59.6
|
1.6
|
55.1
|
1,402
|
138,332
|
691,815
|
104,880,159
|
2,353
|
251,056
|
Ultimate Experience By Attained Age
|
15-19
|
80.3
|
56.8
|
44.7
|
2
|
79
|
7,610
|
539,262
|
2
|
176
|
20-29
|
55.3
|
22.6
|
75.7
|
6
|
451
|
27,719
|
1,531,991
|
11
|
596
|
30-39
|
77.0
|
15.4
|
57.6
|
25
|
1,267
|
52,832
|
3,546,256
|
32
|
2,202
|
40-49
|
56.8
|
4.9
|
67.4
|
136
|
14,912
|
186,656
|
17,086,343
|
240
|
22,127
|
50-59
|
60.4
|
3.0
|
58.6
|
417
|
35,722
|
255,775
|
22,890,187
|
691
|
60,929
|
60-69
|
55.4
|
2.1
|
58.6
|
666
|
41,944
|
163,442
|
10,236,906
|
1,203
|
71,556
|
70-79
|
50.1
|
1.6
|
42.0
|
972
|
32,176
|
82,475
|
3,302,544
|
1,941
|
76,691
|
80-89
|
67.3
|
1.5
|
51.9
|
1,943
|
57,422
|
42,626
|
1,615,878
|
2,889
|
110,730
|
90-99
|
84.1
|
3.3
|
78.1
|
645
|
25,271
|
4,765
|
199,233
|
767
|
32,374
|
100+
|
69.1
|
23.0
|
156.1
|
9
|
1,578
|
28
|
2,258
|
13
|
1,010
|
Total
|
61.9
|
0.9
|
55.7
|
4,821
|
210,821
|
823,930
|
60,950,859
|
7,789
|
378,392
|
GRAND TOTAL
|
61.4
|
0.8
|
55.5
|
6,223
|
349,154
|
1,515,745
|
165,831,018
|
10,142
|
629,448
|
Thomson Data Analysis Mon Mar 31 18:28:54 2014