CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE -- FACE SIZE < $10,000
TABLE 1.2 TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
TABLE 1.3 TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
TABLE 1.4 TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
TABLE 1.5 TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
TABLE 1.6 TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
TABLE 1.7 TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
TABLE 2.1 TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
TABLE 2.2 TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
TABLE 2.3 TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
TABLE 2.4 TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
TABLE 2.5 TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
TABLE 2.6 TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
TABLE 2.7 TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
TABLE 2.8 TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
TABLE 2.9 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
TABLE 2.10 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
TABLE 2.11 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
TABLE 2.12 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
TABLE 2.13 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
TABLE 2.14 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
TABLE 8.1 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
TABLE 8.2 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.3 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.4 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.5 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.6 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.7 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.8 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.9 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.10 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.11 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.12 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.13 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.14 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.15 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.16 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.17 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.18 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.19 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.20 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.21 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
TABLE 8.22 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
TABLE 8.23 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.24 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.25 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.26 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.27 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.28 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.29 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.30 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.31 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.32 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.33 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.34 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.35 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.36 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.37 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.38 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.39 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.40 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.41 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.42 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER



TABLE 1.1     TOTAL EXPERIENCE -- FACE SIZE < $10,000
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 53.2 23.8 62.6 5 38 11,702 63,076 9 61
2 112.3 35.5 125.2 10 109 8,878 76,496 9 87
3 66.8 27.3 52.6 6 48 7,737 84,335 9 91
4 99.0 31.3 87.2 10 96 6,377 81,194 10 110
5 64.8 26.5 77.4 6 96 3,808 78,506 9 124
6-10 78.2 11.9 72.2 43 820 14,952 422,165 55 1,136
11-15 69.5 5.7 64.9 151 1,949 17,489 494,482 217 3,004
Total 72.4 4.8 68.4 231 3,156 70,945 1,300,254 319 4,613
Select Experience By Issue Age
0-4 67.6 39.0 33.7 3 20 14,438 255,309 4 59
5-14 32.9 32.9 39.8 1 31 8,323 159,620 3 77
15-24 45.6 32.2 50.8 2 52 7,440 154,874 4 103
25-34 26.7 18.9 38.3 2 76 9,939 207,338 7 199
35-44 50.4 16.8 62.4 9 301 9,514 195,923 18 481
45-54 52.1 10.2 58.3 26 655 10,282 192,257 50 1,123
55-64 70.7 9.4 73.1 57 871 7,133 97,345 81 1,191
65-74 84.9 8.4 77.0 101 846 3,457 33,614 119 1,099
75-89 93.1 17.0 108.3 30 303 419 3,969 32 280
90+ 151.0 0 1 0 5 0 1
Total 72.4 4.8 68.4 231 3,156 70,945 1,300,254 319 4,613
Ultimate Experience By Attained Age
15-19 123.4 87.3 96.1 2 27 2,810 51,011 2 28
20-29 86.0 27.2 100.9 10 123 16,167 170,668 12 122
30-39 77.6 11.3 84.7 47 335 59,468 387,392 61 396
40-49 90.0 6.4 84.6 198 1,204 105,166 668,981 220 1,423
50-59 73.6 2.8 70.0 709 4,313 178,859 1,161,348 964 6,160
60-69 62.8 1.3 63.6 2,317 13,640 258,207 1,502,977 3,692 21,436
70-79 65.0 0.8 66.7 6,271 31,430 249,750 1,223,194 9,641 47,113
80-89 77.2 0.7 79.2 13,763 57,946 195,381 801,229 17,831 73,157
90-99 71.9 0.9 82.1 6,018 22,249 41,399 137,038 8,374 27,103
100+ 8.6 0.5 18.8 299 758 4,993 6,517 3,490 4,037
Total 66.9 0.4 73.0 29,634 132,027 1,112,202 6,110,356 44,285 180,977
GRAND TOTAL 67.0 0.4 72.8 29,865 135,183 1,183,147 7,410,609 44,604 185,590

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.2     TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
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 62.1 11.9 52.1 27 638 38,395 1,270,478 43 1,225
2 69.9 10.9 67.5 41 1,048 36,588 1,185,028 59 1,553
3 82.4 10.8 72.2 58 1,328 37,457 1,218,679 70 1,839
4 85.5 10.4 81.7 68 1,676 35,592 1,151,153 80 2,051
5 65.7 8.2 56.3 64 1,331 36,549 1,095,070 97 2,364
6-10 71.3 2.9 66.6 606 14,111 207,428 6,303,159 850 21,202
11-15 62.5 1.6 59.4 1,455 32,446 315,435 9,129,343 2,326 54,636
Total 65.8 1.4 62.0 2,319 52,578 707,445 21,352,911 3,526 84,870
Select Experience By Issue Age
0-4 55.3 12.7 63.9 19 600 143,593 3,901,894 34 940
5-14 47.3 11.2 46.1 18 438 81,041 2,091,358 38 950
15-24 57.0 10.6 41.2 29 714 74,335 2,592,780 51 1,731
25-34 58.5 8.4 52.8 48 1,751 82,871 3,449,818 82 3,314
35-44 70.4 5.6 65.5 158 4,843 87,892 3,177,405 224 7,399
45-54 72.1 3.3 67.3 478 11,710 110,081 3,158,373 663 17,411
55-64 63.1 2.3 59.7 731 15,541 88,608 2,131,702 1,158 26,053
65-74 62.6 2.4 59.6 664 13,498 35,558 779,260 1,061 22,653
75-89 81.2 6.2 78.9 174 3,483 3,465 70,295 214 4,414
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 65.8 1.4 62.0 2,319 52,578 707,445 21,352,911 3,526 84,870
Ultimate Experience By Attained Age
15-19 58.1 11.9 64.7 24 747 73,901 2,083,960 41 1,155
20-29 72.4 6.6 71.9 122 3,015 240,628 6,020,150 168 4,194
30-39 74.9 5.7 70.9 173 3,722 224,129 5,122,447 231 5,252
40-49 67.7 3.5 61.2 364 10,900 253,009 8,414,991 538 17,803
50-59 65.0 1.6 60.6 1,565 46,849 444,047 14,636,817 2,407 77,328
60-69 61.7 1.0 57.7 3,776 90,833 431,118 11,374,321 6,116 157,319
70-79 61.1 0.8 58.9 5,772 115,840 252,112 5,288,063 9,447 196,518
80-89 72.7 0.9 70.3 7,117 130,362 109,801 2,060,780 9,786 185,463
90-99 82.1 2.0 80.5 1,689 31,426 10,699 201,550 2,057 39,043
100+ 28.3 5.6 26.9 26 511 154 3,167 92 1,897
Total 66.8 0.5 63.3 20,628 434,206 2,039,598 55,206,246 30,883 685,974
GRAND TOTAL 66.7 0.4 63.1 22,947 486,784 2,747,043 76,559,157 34,409 770,844

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.3     TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
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 80.9 16.5 68.5 24 1,290 40,735 2,614,858 30 1,884
2 79.0 14.4 67.7 30 1,644 36,082 2,326,165 38 2,427
3 55.8 11.2 56.6 25 1,587 35,035 2,264,207 45 2,803
4 68.6 11.8 59.7 34 1,846 34,108 2,176,980 50 3,094
5 55.5 9.8 56.9 32 2,020 32,841 2,066,248 58 3,552
6-10 64.2 3.6 62.6 324 19,931 178,118 11,281,680 504 31,851
11-15 57.1 2.5 56.9 537 33,180 212,421 13,149,292 941 58,282
Total 60.4 1.9 59.2 1,006 61,498 569,340 35,879,431 1,664 103,893
Select Experience By Issue Age
0-4 24.2 12.1 29.2 4 281 69,436 4,017,125 17 963
5-14 49.2 15.6 43.5 10 506 45,903 2,653,081 20 1,163
15-24 78.3 12.7 69.7 38 2,001 75,600 4,513,306 49 2,872
25-34 62.0 7.8 63.4 63 4,315 112,782 7,542,648 102 6,800
35-44 62.2 5.2 60.2 145 9,264 109,122 7,326,146 233 15,385
45-54 61.7 3.7 61.5 277 17,162 97,114 6,201,320 449 27,927
55-64 56.5 3.6 54.3 253 14,718 46,884 2,864,261 448 27,112
65-74 63.2 4.7 62.2 183 11,231 11,656 708,473 290 18,051
75-89 57.7 10.0 56.4 33 2,022 839 52,860 57 3,586
90+ 0.0 0.0 0.0 0 0 3 210 1 35
Total 60.4 1.9 59.2 1,006 61,498 569,340 35,879,431 1,664 103,893
Ultimate Experience By Attained Age
15-19 60.7 21.5 47.1 8 402 23,981 1,576,335 13 855
20-29 63.9 11.7 54.8 30 1,651 68,653 4,434,822 47 3,010
30-39 58.1 9.4 52.1 38 2,047 63,688 3,848,228 65 3,931
40-49 56.3 4.3 54.5 171 11,345 148,539 10,117,176 304 20,823
50-59 55.5 2.2 54.4 641 44,104 234,407 16,496,743 1,155 81,019
60-69 53.2 1.8 53.3 920 60,596 138,017 9,031,478 1,730 113,622
70-79 52.4 1.9 51.3 738 46,381 40,276 2,550,668 1,408 90,471
80-89 60.7 2.4 60.5 659 43,907 12,141 801,834 1,086 72,524
90-99 90.0 6.0 87.6 223 14,251 1,302 85,008 248 16,277
100+ 48.3 24.1 44.8 4 246 17 1,124 8 549
Total 56.6 1.0 55.8 3,432 224,929 731,021 48,943,417 6,064 403,081
GRAND TOTAL 57.4 0.9 56.5 4,438 286,427 1,300,361 84,822,848 7,729 506,974

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.4     TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
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 7.5 44.0 32 4,957 114,264 17,804,410 76 11,262
2 60.4 7.5 60.3 65 9,491 114,578 17,543,081 108 15,730
3 54.7 6.7 54.0 66 9,532 107,345 16,537,108 121 17,657
4 47.7 6.1 50.0 62 9,416 101,572 15,481,950 130 18,847
5 60.6 6.5 58.4 88 12,298 96,982 14,728,089 145 21,061
6-10 55.0 2.2 53.9 630 87,537 486,336 71,821,015 1,145 162,453
11-15 58.3 2.0 58.5 810 109,552 379,421 51,225,620 1,389 187,239
Total 56.3 1.3 55.9 1,753 242,782 1,400,498 205,141,272 3,113 434,251
Select Experience By Issue Age
0-4 70.7 22.4 70.4 10 1,201 58,526 7,052,008 14 1,706
5-14 46.9 14.8 42.9 10 1,116 54,353 6,648,217 21 2,604
15-24 66.8 9.0 62.0 55 6,487 140,000 18,168,465 82 10,468
25-34 55.5 4.2 53.5 172 25,118 375,091 58,873,122 310 46,910
35-44 63.1 3.0 62.0 428 61,909 394,290 61,089,085 678 99,867
45-54 53.8 2.4 53.8 490 67,821 269,735 38,751,205 911 125,992
55-64 52.2 2.8 52.7 343 45,737 92,608 12,432,593 657 86,848
65-74 55.2 4.1 54.4 183 24,465 14,456 1,926,688 332 45,000
75-89 58.2 7.4 60.2 62 8,927 1,438 199,759 107 14,818
90+ 0.0 0.0 0.0 0 0 1 130 0 37
Total 56.3 1.3 55.9 1,753 242,782 1,400,498 205,141,272 3,113 434,251
Ultimate Experience By Attained Age
15-19 54.4 31.4 54.9 3 401 10,196 1,360,676 6 730
20-29 37.1 15.1 42.8 6 897 23,601 3,065,422 16 2,096
30-39 35.7 9.5 37.6 14 1,754 38,727 4,615,019 39 4,665
40-49 53.8 3.9 54.3 192 24,965 182,770 23,546,796 357 46,016
50-59 51.3 2.1 52.6 614 83,032 265,143 35,054,953 1,198 157,987
60-69 52.8 2.0 51.8 700 90,275 113,587 14,837,135 1,326 174,290
70-79 50.1 2.3 50.0 462 61,451 26,698 3,527,785 922 123,018
80-89 60.8 2.7 60.5 490 66,765 9,115 1,241,693 806 110,355
90-99 74.7 6.4 76.5 135 18,938 961 130,599 181 24,746
100+ 83.4 48.1 65.7 3 325 8 1,126 4 494
Total 54.0 1.1 54.1 2,619 348,803 670,805 87,381,203 4,854 644,397
GRAND TOTAL 54.9 0.8 54.8 4,372 591,585 2,071,303 292,522,475 7,968 1,078,647

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.5     TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
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 36.3 8.3 43.4 19 7,235 87,143 28,545,707 52 16,686
2 33.2 6.6 33.5 25 7,925 88,169 28,541,658 75 23,683
3 43.5 7.5 39.9 34 9,814 81,024 26,096,443 78 24,571
4 41.4 7.1 40.9 34 10,559 75,845 24,221,391 82 25,846
5 58.5 8.3 61.5 50 16,407 68,257 21,671,564 86 26,694
6-10 48.0 2.9 46.9 266 79,353 289,055 88,721,319 554 169,306
11-15 59.0 4.3 60.9 188 60,129 86,060 26,529,682 319 98,762
Total 49.4 2.0 49.6 616 191,423 775,553 244,327,766 1,247 385,547
Select Experience By Issue Age
0-4 0.0 0.0 49.4 0 250 7,336 2,178,840 2 506
5-14 121.9 61.0 120.4 4 1,177 8,459 2,520,033 3 978
15-24 71.9 19.2 85.7 14 4,901 38,886 11,478,029 19 5,718
25-34 48.0 5.5 49.5 77 25,298 242,469 78,165,224 160 51,139
35-44 52.4 3.9 50.1 184 55,230 283,243 90,299,430 351 110,173
45-54 46.2 3.5 45.2 178 53,004 156,375 47,892,595 385 117,295
55-64 48.1 4.9 51.3 98 31,698 34,358 10,416,344 204 61,846
65-74 45.8 7.2 46.6 40 12,647 3,916 1,213,619 87 27,165
75-89 61.9 13.5 67.3 21 7,218 513 163,652 34 10,728
90+ 0 0 0 0 0 0
Total 49.4 2.0 49.6 616 191,423 775,553 244,327,766 1,247 385,547
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,236 402,697 1 220
20-29 175.5 101.4 164.9 3 901 2,437 784,171 2 547
30-39 31.4 31.4 26.3 1 250 3,291 976,351 3 949
40-49 47.6 11.5 48.9 17 5,351 18,270 5,574,443 36 10,940
50-59 40.6 5.2 41.2 61 19,300 33,837 10,492,952 150 46,790
60-69 52.3 5.1 52.9 106 33,753 17,229 5,391,477 203 63,863
70-79 39.3 4.9 41.9 65 22,371 4,702 1,510,338 165 53,451
80-89 54.0 6.0 52.3 80 25,526 1,669 548,061 148 48,849
90-99 129.4 21.0 119.3 38 11,467 160 52,772 29 9,615
100+ 256.2 181.2 257.0 2 650 2 650 1 253
Total 50.6 2.6 50.8 373 119,569 82,833 25,733,912 738 235,477
GRAND TOTAL 49.8 1.6 50.1 989 310,992 858,387 270,061,677 1,984 621,024

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.6     TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
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 62.0 13.9 62.1 20 12,030 59,928 36,029,496 32 19,378
2 42.1 9.9 37.1 18 9,415 58,005 34,510,773 43 25,364
3 42.8 9.8 45.7 19 12,050 51,374 30,480,343 44 26,344
4 40.9 9.2 39.7 20 11,450 47,209 27,870,834 49 28,814
5 43.7 9.5 43.9 21 12,350 39,712 23,242,137 48 28,127
6-10 53.4 4.6 53.2 135 78,532 129,320 75,011,601 253 147,527
11-15 51.5 6.1 50.4 72 40,842 32,088 18,422,843 140 81,025
Total 50.1 2.9 49.5 305 176,669 417,637 245,568,026 609 356,578
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,215 1,359,767 1 315
5-14 170.0 120.2 140.7 2 1,000 3,074 1,873,611 1 711
15-24 30.1 21.3 40.2 2 1,500 13,658 7,630,093 7 3,728
25-34 39.5 7.0 38.8 32 18,347 135,403 79,186,790 81 47,254
35-44 56.7 5.6 55.2 103 58,907 169,812 100,633,677 182 106,691
45-54 53.3 5.4 52.4 96 55,087 75,840 44,491,425 180 105,106
55-64 37.3 6.1 37.3 37 21,700 15,481 9,104,818 99 58,135
65-74 41.8 10.1 43.8 17 10,589 1,870 1,120,842 41 24,165
75-89 84.9 21.9 84.7 15 8,680 284 166,145 18 10,248
90+ 380.7 380.7 380.7 1 858 1 858 0 225
Total 50.1 2.9 49.5 305 176,669 417,637 245,568,026 609 356,578
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 177 114,041 0 60
20-29 0.0 0.0 0.0 0 0 470 293,704 0 212
30-39 0.0 0.0 0.0 0 0 733 433,463 1 431
40-49 70.8 28.9 66.8 6 3,217 4,203 2,384,133 8 4,818
50-59 53.8 10.4 52.2 27 15,192 10,956 6,344,736 50 29,104
60-69 62.4 8.7 67.0 52 32,754 6,962 4,068,574 83 48,916
70-79 40.7 7.4 39.7 30 17,846 2,073 1,253,010 74 44,964
80-89 46.2 8.2 46.0 32 19,283 776 469,061 69 41,931
90-99 49.0 18.5 61.2 7 5,424 72 45,366 14 8,858
100+ 231.4 163.7 231.4 2 1,000 2 1,000 1 432
Total 51.8 4.1 52.7 156 94,716 26,424 15,407,087 301 179,727
GRAND TOTAL 50.6 2.4 50.6 461 271,384 444,061 260,975,114 910 536,305

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 1.7     TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
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 12.3 8.7 12.2 2 3,500 25,784 41,849,988 16 28,606
2 45.6 14.4 31.9 10 12,560 24,327 40,412,091 22 39,380
3 59.1 16.4 39.7 13 14,889 20,313 31,792,836 22 37,536
4 54.2 15.0 43.1 13 18,250 18,470 30,059,158 24 42,300
5 8.6 6.1 7.7 2 3,160 14,725 23,661,342 23 41,210
6-10 38.2 5.6 43.8 46 89,354 47,277 72,719,691 120 203,818
11-15 55.8 8.7 65.2 41 80,228 12,956 20,685,413 74 123,009
Total 42.2 3.7 43.0 127 221,940 163,852 261,180,519 301 515,860
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 781 1,508,267 0 317
5-14 0.0 0.0 0.0 0 0 1,069 2,334,102 0 846
15-24 55.6 55.6 29.2 1 1,000 3,085 5,634,025 2 3,427
25-34 37.4 12.5 30.2 9 10,300 38,153 53,397,168 24 34,106
35-44 49.0 7.9 41.4 38 49,898 71,290 110,667,475 78 120,530
45-54 40.3 6.5 39.1 38 62,342 38,559 66,288,061 94 159,243
55-64 40.0 8.2 31.6 24 34,600 9,247 17,795,914 60 109,646
65-74 37.6 11.3 71.9 11 42,536 1,422 2,992,241 29 59,162
75-89 44.3 18.1 74.4 6 21,264 246 563,265 14 28,582
90+ 0 0 0 0 0 0
Total 42.2 3.7 43.0 127 221,940 163,852 261,180,519 301 515,860
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 49 93,709 0 53
20-29 0.0 0.0 0.0 0 0 165 288,752 0 206
30-39 0.0 0.0 0.0 0 0 315 500,347 0 503
40-49 35.4 35.4 66.4 1 3,000 1,411 2,291,883 3 4,515
50-59 58.2 17.5 60.5 11 17,560 4,084 6,263,662 19 29,006
60-69 48.6 11.5 65.7 18 38,324 3,032 4,712,228 37 58,313
70-79 37.3 9.0 41.1 17 31,025 1,262 2,081,190 46 75,459
80-89 44.4 9.7 35.2 21 30,469 539 997,631 47 86,514
90-99 37.8 26.8 32.4 2 3,000 28 51,874 5 9,250
100+ 0 0 0 0 0 0
Total 44.5 5.3 46.8 70 123,378 10,885 17,281,276 157 263,819
GRAND TOTAL 43.0 3.1 44.3 197 345,319 174,737 278,461,795 459 779,679

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.1     TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
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 72.5 36.3 80.4 4 30 5,943 32,258 6 37
2 115.0 47.0 151.7 6 84 4,521 38,025 5 55
3 37.5 26.5 48.6 2 27 3,915 41,690 5 56
4 88.8 39.7 83.9 5 58 3,278 41,267 6 69
5 60.3 34.8 99.8 3 74 1,913 39,356 5 74
6-10 71.3 15.2 76.4 22 515 7,621 218,052 31 674
11-15 67.8 8.2 63.8 69 1,030 8,309 245,284 102 1,615
Total 69.7 6.6 70.4 111 1,817 35,499 655,932 159 2,580
Select Experience By Issue Age
0-4 113.8 65.7 52.5 3 20 8,011 145,960 3 38
5-14 44.0 44.0 52.3 1 31 4,601 87,849 2 58
15-24 59.7 42.2 70.2 2 52 4,022 80,568 3 75
25-34 41.7 29.5 37.5 2 45 5,010 99,913 5 119
35-44 58.6 23.9 65.2 6 182 4,532 91,534 10 279
45-54 50.5 13.5 56.2 14 362 4,578 87,070 28 644
55-64 58.6 11.7 76.6 25 527 3,140 45,843 43 688
65-74 85.8 12.5 82.3 47 458 1,462 15,458 55 557
75-89 100.9 30.4 114.8 11 139 142 1,732 11 121
90+ 186.9 0 1 0 4 0 1
Total 69.7 6.6 70.4 111 1,817 35,499 655,932 159 2,580
Ultimate Experience By Attained Age
15-19 169.1 119.6 67.8 2 14 1,459 26,566 1 21
20-29 93.5 33.1 92.9 8 84 8,563 91,047 9 91
30-39 75.8 14.1 83.5 29 214 30,357 202,044 38 256
40-49 100.7 8.8 96.3 131 802 56,069 351,095 130 833
50-59 73.3 3.5 67.8 444 2,571 92,558 579,708 605 3,795
60-69 58.4 1.5 60.7 1,450 8,977 138,727 831,583 2,483 14,796
70-79 60.9 1.0 63.0 4,045 21,294 142,896 739,620 6,637 33,803
80-89 74.9 0.8 77.9 8,423 37,764 106,657 465,015 11,248 48,478
90-99 71.2 1.3 83.7 3,200 12,683 19,974 69,317 4,495 15,154
100+ 5.8 0.5 16.5 137 353 3,230 3,310 2,348 2,136
Total 63.8 0.5 71.0 17,869 84,756 600,491 3,359,306 27,995 119,361
GRAND TOTAL 63.9 0.5 71.0 17,980 86,573 635,989 4,015,237 28,154 121,941

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
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 74.6 18.1 63.8 17 432 18,311 615,958 23 678
2 72.0 15.4 62.1 22 525 17,374 566,935 31 846
3 102.9 16.9 78.0 37 762 17,611 577,785 36 977
4 100.0 15.6 96.4 41 1,061 16,410 537,160 41 1,100
5 69.3 11.7 57.2 35 727 16,784 506,539 51 1,270
6-10 73.5 4.1 65.5 323 7,504 95,701 2,932,710 440 11,450
11-15 58.0 2.2 54.3 680 15,769 142,281 4,190,691 1,172 29,025
Total 64.4 1.9 59.1 1,155 26,781 324,471 9,927,776 1,792 45,347
Select Experience By Issue Age
0-4 55.9 16.1 68.6 12 392 73,241 1,924,591 21 571
5-14 50.8 13.6 46.2 14 313 41,666 1,050,778 28 677
15-24 64.8 13.5 48.5 23 579 36,943 1,265,827 35 1,193
25-34 52.6 10.5 42.6 25 829 38,648 1,624,453 48 1,946
35-44 71.6 7.7 63.7 87 2,629 39,049 1,453,940 122 4,125
45-54 64.8 4.3 59.5 227 5,747 44,184 1,349,439 350 9,659
55-64 61.5 3.2 58.0 373 8,331 35,373 908,977 607 14,367
65-74 65.3 3.6 59.8 333 6,776 14,268 327,359 510 11,337
75-89 85.1 10.9 80.5 61 1,185 1,100 22,413 72 1,472
90+ 0 0 0 0 0 0
Total 64.4 1.9 59.1 1,155 26,781 324,471 9,927,776 1,792 45,347
Ultimate Experience By Attained Age
15-19 56.8 13.8 74.4 17 617 38,080 1,057,807 30 829
20-29 68.2 7.4 69.5 84 2,131 124,115 3,094,129 123 3,066
30-39 72.0 6.8 69.0 111 2,409 118,697 2,697,079 154 3,489
40-49 71.0 4.8 62.8 219 6,436 127,413 4,216,615 308 10,244
50-59 63.0 2.0 58.3 967 29,674 229,120 7,876,487 1,536 50,925
60-69 57.8 1.2 54.2 2,510 62,572 248,535 6,862,622 4,345 115,439
70-79 59.2 0.9 57.3 4,053 85,343 152,582 3,410,512 6,844 148,890
80-89 72.5 1.0 70.5 4,961 96,551 66,872 1,349,504 6,839 136,865
90-99 81.7 2.4 79.3 1,121 21,654 6,497 129,621 1,372 27,300
100+ 25.7 6.1 22.9 18 319 115 2,319 70 1,392
Total 65.0 0.5 61.7 14,061 307,705 1,112,024 30,696,696 21,622 498,438
GRAND TOTAL 65.0 0.5 61.5 15,216 334,486 1,436,496 40,624,472 23,415 543,785

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.3     TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
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 93.7 23.4 80.8 16 889 19,190 1,244,763 17 1,100
2 68.4 17.7 61.7 15 877 17,107 1,117,649 22 1,421
3 58.6 15.1 59.9 15 968 16,358 1,064,605 26 1,616
4 88.1 17.6 75.6 25 1,353 15,947 1,025,010 28 1,789
5 63.2 13.8 61.5 21 1,275 15,405 976,609 33 2,075
6-10 64.4 4.7 61.6 189 11,468 83,818 5,348,801 293 18,625
11-15 53.1 3.1 53.2 285 17,790 98,627 6,176,935 537 33,455
Total 59.2 2.5 57.6 566 34,620 266,451 16,954,372 956 60,081
Select Experience By Issue Age
0-4 10.0 10.0 8.7 1 50 35,194 2,009,840 10 578
5-14 41.5 17.0 36.5 6 301 23,036 1,326,248 14 824
15-24 85.9 16.2 76.2 28 1,476 35,352 2,122,220 33 1,938
25-34 63.0 10.5 66.1 36 2,559 50,125 3,401,194 57 3,871
35-44 66.2 7.1 63.4 87 5,628 48,860 3,373,098 131 8,871
45-54 58.4 4.6 57.8 159 9,923 45,168 2,946,760 272 17,178
55-64 53.6 4.4 51.8 149 8,763 23,274 1,444,611 278 16,904
65-74 65.4 6.7 62.0 94 5,516 5,212 315,643 144 8,892
75-89 37.7 15.4 40.3 6 404 229 14,622 16 1,002
90+ 0.0 0.0 0.0 0 0 2 135 0 24
Total 59.2 2.5 57.6 566 34,620 266,451 16,954,372 956 60,081
Ultimate Experience By Attained Age
15-19 43.0 21.5 34.3 4 202 11,800 746,023 9 590
20-29 62.3 13.6 52.8 21 1,130 34,086 2,164,127 34 2,142
30-39 66.8 12.6 58.1 28 1,472 31,854 1,936,043 42 2,532
40-49 59.8 6.0 56.5 98 6,547 67,720 4,776,741 164 11,589
50-59 51.4 2.6 50.0 387 27,331 121,611 9,014,151 753 54,690
60-69 52.8 2.0 52.2 682 45,577 84,431 5,773,070 1,292 87,232
70-79 53.0 2.2 51.9 602 38,624 28,443 1,853,388 1,136 74,354
80-89 61.6 2.7 61.0 504 34,188 8,296 565,771 818 56,022
90-99 82.6 7.4 81.2 126 8,466 724 49,607 153 10,424
100+ 42.3 24.4 43.0 3 196 14 880 7 455
Total 55.7 1.1 54.6 2,455 163,733 388,978 26,879,802 4,407 300,031
GRAND TOTAL 56.3 1.0 55.1 3,021 198,352 655,429 43,834,174 5,363 360,111

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.4     TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
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 43.5 9.7 44.2 20 3,051 54,204 8,506,820 46 6,909
2 68.4 10.3 69.2 44 6,575 54,160 8,355,940 64 9,502
3 58.8 9.0 59.3 43 6,403 50,311 7,834,027 73 10,791
4 50.3 8.0 48.9 40 5,685 47,758 7,361,878 79 11,634
5 60.0 8.2 58.4 53 7,579 45,640 7,040,812 88 12,966
6-10 55.3 2.8 52.9 389 53,183 234,492 35,238,119 703 100,603
11-15 56.7 2.6 56.8 475 64,800 189,575 26,147,943 838 114,069
Total 56.2 1.7 55.3 1,064 147,275 676,139 100,485,539 1,892 266,476
Select Experience By Issue Age
0-4 74.1 30.3 76.9 6 751 28,487 3,424,093 8 976
5-14 46.5 17.6 40.8 7 750 27,349 3,331,016 15 1,836
15-24 58.2 10.1 54.2 33 3,905 65,922 8,499,378 57 7,207
25-34 48.1 5.2 46.9 87 13,098 166,802 26,663,692 181 27,904
35-44 64.3 4.0 62.1 264 38,206 189,440 30,100,766 411 61,502
45-54 55.3 3.0 54.1 330 45,169 138,751 20,382,572 597 83,559
55-64 54.2 3.5 54.8 239 32,194 52,107 7,120,131 441 58,753
65-74 54.8 5.9 53.9 87 11,529 6,964 920,649 159 21,381
75-89 45.7 13.8 50.4 11 1,673 315 43,111 24 3,321
90+ 0.0 0.0 0.0 0 0 1 130 0 37
Total 56.2 1.7 55.3 1,064 147,275 676,139 100,485,539 1,892 266,476
Ultimate Experience By Attained Age
15-19 52.2 36.9 45.1 2 226 4,894 639,407 4 502
20-29 25.9 15.0 27.9 3 419 11,670 1,512,686 12 1,499
30-39 35.6 11.9 37.5 9 1,132 19,652 2,355,253 25 3,022
40-49 49.3 4.7 47.8 109 13,842 96,131 12,562,655 221 28,933
50-59 50.0 2.4 50.6 440 59,452 163,044 21,995,645 879 117,591
60-69 50.9 2.2 49.9 546 71,391 79,446 10,617,838 1,072 142,960
70-79 52.6 2.6 52.4 401 53,783 19,881 2,670,428 762 102,671
80-89 56.4 3.1 56.6 324 45,034 5,871 810,464 575 79,618
90-99 72.6 8.3 75.8 76 11,417 508 73,161 105 15,066
100+ 122.2 122.2 64.7 1 100 2 368 1 155
Total 52.3 1.2 52.2 1,911 256,796 401,100 53,237,904 3,656 492,016
GRAND TOTAL 53.6 1.0 53.3 2,975 404,071 1,077,239 153,723,443 5,548 758,492

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
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 44.9 11.6 54.9 15 5,885 43,677 14,444,994 33 10,722
2 35.4 8.6 37.9 17 5,775 44,335 14,545,094 48 15,249
3 47.2 9.6 43.9 24 7,082 40,974 13,373,082 51 16,127
4 37.3 8.3 37.0 20 6,300 38,368 12,450,833 54 17,031
5 45.2 9.0 49.5 25 8,630 34,503 11,136,549 55 17,426
6-10 46.7 3.5 46.3 175 53,420 154,322 48,229,455 375 115,333
11-15 53.9 5.0 55.6 117 37,627 52,062 16,328,714 217 67,732
Total 47.2 2.4 48.0 393 124,718 408,243 130,508,721 833 259,621
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,576 1,057,040 1 289
5-14 129.3 74.6 115.6 3 800 4,256 1,268,638 2 692
15-24 80.0 24.1 77.3 11 3,133 17,997 5,333,636 14 4,054
25-34 48.2 6.9 52.3 49 17,226 114,871 37,740,011 102 32,936
35-44 51.6 4.8 50.5 118 36,739 149,738 48,693,158 229 72,713
45-54 42.3 3.9 42.0 117 35,628 92,453 28,679,094 276 84,900
55-64 43.5 5.3 48.6 67 22,764 23,070 7,034,512 154 46,818
65-74 55.3 10.8 53.7 26 7,846 2,170 667,836 47 14,607
75-89 24.1 17.0 22.3 2 583 110 34,797 8 2,612
90+ 0 0 0 0 0 0
Total 47.2 2.4 48.0 393 124,718 408,243 130,508,721 833 259,621
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 637 200,060 0 155
20-29 159.5 112.8 142.3 2 567 1,264 401,899 1 398
30-39 44.9 44.9 37.7 1 250 1,786 532,273 2 664
40-49 41.1 12.4 42.0 11 3,462 12,058 3,711,981 27 8,240
50-59 41.6 5.8 42.0 52 16,396 25,128 7,848,769 125 39,067
60-69 52.1 5.4 51.5 93 29,071 13,863 4,372,455 178 56,472
70-79 35.3 5.0 39.1 50 17,992 3,731 1,205,712 141 45,961
80-89 56.8 7.2 54.4 63 20,238 1,143 382,460 111 37,176
90-99 124.3 27.8 111.4 20 5,829 78 25,705 16 5,233
100+ 259.5 259.5 259.5 1 400 1 400 0 154
Total 48.6 2.8 48.7 293 94,205 59,689 18,681,713 603 193,521
GRAND TOTAL 47.8 1.8 48.3 686 218,923 467,932 149,190,434 1,436 453,142

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.6     TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
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 58.2 16.1 59.3 13 7,972 33,270 20,226,788 22 13,433
2 46.7 12.5 41.3 14 7,415 32,397 19,550,104 30 17,933
3 41.2 11.4 44.5 13 8,400 28,928 17,465,542 32 18,878
4 28.3 9.0 27.7 10 5,800 27,301 16,406,940 35 20,976
5 40.8 10.9 42.2 14 8,550 23,197 13,836,777 34 20,265
6-10 48.1 5.0 47.8 92 53,761 82,193 48,452,579 191 112,362
11-15 48.4 6.8 45.5 50 27,352 22,478 13,018,850 103 60,148
Total 46.0 3.2 45.2 206 119,250 249,764 148,957,579 448 263,995
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,100 665,266 0 178
5-14 119.8 119.8 99.6 1 500 1,561 942,859 1 502
15-24 40.6 28.7 54.0 2 1,500 6,706 3,783,748 5 2,775
25-34 33.6 7.7 31.2 19 10,421 71,410 42,553,287 56 33,400
35-44 49.5 6.1 49.2 65 38,395 103,355 62,185,364 131 77,996
45-54 54.3 6.1 53.7 78 45,242 52,639 31,158,569 144 84,241
55-64 33.1 6.4 31.8 27 15,200 11,825 6,975,893 82 47,870
65-74 43.2 13.7 41.2 10 5,636 1,091 645,985 23 13,696
75-89 71.5 35.8 70.6 4 2,356 77 46,609 6 3,336
90+ 0 0 0 0 0 0
Total 46.0 3.2 45.2 206 119,250 249,764 148,957,579 448 263,995
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 79 50,247 0 40
20-29 0.0 0.0 0.0 0 0 261 160,181 0 159
30-39 0.0 0.0 0.0 0 0 430 250,327 1 311
40-49 72.6 32.5 66.1 5 2,600 3,110 1,774,538 7 3,932
50-59 45.5 10.2 43.8 20 11,193 8,815 5,125,534 44 25,566
60-69 59.6 8.9 64.0 45 28,377 5,912 3,461,566 75 44,343
70-79 45.0 8.4 43.3 29 17,046 1,696 1,027,109 64 39,323
80-89 44.3 9.0 45.6 24 15,008 551 335,964 54 32,907
90-99 55.6 24.9 74.2 5 4,198 42 26,623 9 5,655
100+ 0 0 0 0 0 0
Total 50.2 4.4 51.5 128 78,422 20,897 12,212,089 255 152,236
GRAND TOTAL 47.5 2.6 47.5 334 197,672 270,661 161,169,668 703 416,231

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.7     TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
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 15.6 11.0 15.3 2 3,500 18,051 30,520,105 13 22,808
2 46.0 16.3 33.7 8 10,560 17,200 29,803,897 17 31,300
3 67.2 19.4 44.5 12 13,889 14,574 23,791,227 18 31,210
4 56.3 17.0 46.6 11 16,250 13,477 22,524,597 20 34,895
5 10.6 7.5 9.6 2 3,160 10,800 17,926,834 19 33,085
6-10 42.0 6.5 48.9 42 83,354 36,591 57,407,031 100 170,300
11-15 53.1 9.7 66.5 30 61,348 10,007 15,728,229 56 92,224
Total 44.1 4.3 46.2 107 192,060 120,701 197,701,921 243 415,823
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 379 712,134 0 169
5-14 0.0 0.0 0.0 0 0 541 1,092,013 0 561
15-24 66.7 66.7 34.4 1 1,000 1,962 3,737,315 1 2,907
25-34 36.2 13.7 30.0 7 8,300 25,382 36,565,523 19 27,664
35-44 48.5 8.7 40.0 31 40,398 52,718 84,665,091 64 101,109
45-54 42.6 7.2 41.7 35 58,262 31,135 54,357,413 82 139,643
55-64 41.0 9.0 33.4 21 31,300 7,578 14,508,121 51 93,609
65-74 47.3 15.8 109.9 9 40,536 924 1,820,761 19 36,876
75-89 56.3 32.5 92.3 3 12,264 82 243,550 5 13,286
90+ 0 0 0 0 0 0
Total 44.1 4.3 46.2 107 192,060 120,701 197,701,921 243 415,823
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 27 47,118 0 37
20-29 0.0 0.0 0.0 0 0 92 157,140 0 156
30-39 0.0 0.0 0.0 0 0 169 255,600 0 330
40-49 0.0 0.0 0.0 0 0 1,061 1,626,915 2 3,538
50-59 65.3 19.7 68.3 11 17,560 3,413 5,174,238 17 25,699
60-69 47.4 11.9 64.1 16 34,324 2,600 4,081,692 34 53,546
70-79 34.9 9.3 41.3 14 26,775 1,049 1,687,073 40 64,839
80-89 46.8 11.3 39.2 17 26,469 381 721,043 36 67,456
90-99 0.0 0.0 0.0 0 0 18 23,274 4 4,763
100+ 0 0 0 0 0 0
Total 43.5 5.7 47.7 58 105,128 8,810 13,774,092 133 220,364
GRAND TOTAL 43.9 3.4 46.7 165 297,189 129,511 211,476,013 376 636,188

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.8     TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
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 25.8 25.8 34.8 1 8 5,759 30,818 4 24
2 108.4 54.2 79.7 4 26 4,357 38,471 4 32
3 109.8 54.9 59.1 4 21 3,821 42,646 4 35
4 111.8 50.0 92.7 5 38 3,100 39,927 4 42
5 70.1 40.5 43.9 3 22 1,896 39,149 4 49
6-10 87.0 19.0 66.1 21 305 7,332 204,114 24 461
11-15 71.0 7.8 66.2 82 920 9,181 249,198 115 1,390
Total 75.2 6.9 65.9 120 1,339 35,446 644,322 160 2,033
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,427 109,349 2 21
5-14 0.0 0.0 0.0 0 0 3,721 71,771 1 18
15-24 0.0 0.0 0.0 0 0 3,418 74,305 1 29
25-34 0.0 0.0 39.4 0 31 4,929 107,425 3 80
35-44 39.4 22.7 58.7 3 119 4,982 104,389 8 202
45-54 54.1 15.6 61.2 12 293 5,703 105,187 22 479
55-64 84.3 14.9 68.3 32 344 3,993 51,502 38 503
65-74 84.2 11.5 71.6 54 388 1,995 18,157 64 542
75-89 89.2 20.5 103.4 19 164 277 2,237 21 159
90+ 44.1 0 0 0 1 0 0
Total 75.2 6.9 65.9 120 1,339 35,446 644,322 160 2,033
Ultimate Experience By Attained Age
15-19 0.0 0.0 171.7 0 13 1,351 24,444 0 8
20-29 65.0 46.0 123.8 2 39 7,604 79,622 3 32
30-39 80.6 19.0 86.8 18 122 29,112 185,348 22 140
40-49 74.4 9.1 68.1 67 402 49,096 317,886 90 590
50-59 73.9 4.5 73.7 265 1,743 86,301 581,639 358 2,365
60-69 71.7 2.4 70.2 867 4,662 119,480 671,394 1,209 6,641
70-79 74.1 1.6 76.2 2,226 10,136 106,855 483,574 3,003 13,310
80-89 81.1 1.1 81.8 5,340 20,183 88,724 336,214 6,583 24,680
90-99 72.6 1.4 80.1 2,818 9,566 21,425 67,721 3,879 11,949
100+ 14.2 1.1 21.3 162 405 1,763 3,207 1,142 1,901
Total 72.2 0.7 76.7 11,765 47,271 511,712 2,751,050 16,290 61,616
GRAND TOTAL 72.2 0.7 76.4 11,885 48,610 547,158 3,395,372 16,450 63,648

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.9     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
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 48.3 15.3 37.6 10 206 20,083 654,521 21 547
2 67.7 15.5 74.0 19 523 19,215 618,093 28 706
3 61.0 13.3 65.7 21 566 19,846 640,894 34 862
4 70.1 13.5 64.7 27 615 19,182 613,993 39 951
5 61.8 11.5 55.2 29 604 19,766 588,531 47 1,093
6-10 68.9 4.1 67.7 283 6,606 111,727 3,370,449 411 9,753
11-15 67.1 2.4 65.1 775 16,677 173,154 4,938,652 1,154 25,611
Total 67.1 2.0 65.3 1,164 25,797 382,973 11,425,134 1,734 39,523
Select Experience By Issue Age
0-4 54.5 20.6 56.6 7 209 70,353 1,977,304 13 369
5-14 38.1 19.1 45.8 4 125 39,375 1,040,580 10 273
15-24 39.0 15.9 25.1 6 135 37,392 1,326,953 15 538
25-34 66.6 13.9 67.4 23 922 44,223 1,825,365 35 1,368
35-44 69.1 8.2 67.6 71 2,214 48,843 1,723,465 103 3,274
45-54 80.2 5.1 76.9 251 5,962 65,897 1,808,934 313 7,752
55-64 64.9 3.4 61.7 358 7,211 53,235 1,222,725 551 11,686
65-74 60.1 3.3 59.4 331 6,722 21,290 451,901 551 11,317
75-89 79.2 7.5 78.1 113 2,298 2,364 47,882 143 2,943
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 67.1 2.0 65.3 1,164 25,797 382,973 11,425,134 1,734 39,523
Ultimate Experience By Attained Age
15-19 61.4 23.2 39.9 7 130 35,822 1,026,152 11 326
20-29 83.9 13.6 78.3 38 884 116,513 2,926,021 45 1,129
30-39 80.8 10.3 74.5 62 1,314 105,432 2,425,368 77 1,763
40-49 63.3 5.3 59.0 145 4,463 125,596 4,198,376 229 7,559
50-59 68.7 2.8 65.0 598 17,175 214,927 6,760,330 870 26,403
60-69 71.5 2.0 67.5 1,266 28,261 182,583 4,511,700 1,770 41,881
70-79 66.0 1.6 64.0 1,719 30,497 99,531 1,877,551 2,603 47,629
80-89 73.1 1.6 69.6 2,156 33,812 42,929 711,276 2,947 48,598
90-99 83.0 3.5 83.2 568 9,773 4,202 71,929 684 11,743
100+ 36.5 12.9 38.0 8 192 39 847 22 506
Total 70.9 0.9 67.5 6,567 126,500 927,574 24,509,550 9,260 187,536
GRAND TOTAL 70.3 0.8 67.1 7,731 152,297 1,310,548 35,934,685 10,994 227,059

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.10     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
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 63.6 22.5 51.2 8 401 21,545 1,370,096 13 784
2 93.5 24.1 76.3 15 767 18,976 1,208,516 16 1,006
3 52.1 16.5 52.2 10 620 18,677 1,199,602 19 1,187
4 42.5 14.2 37.8 9 493 18,161 1,151,970 21 1,305
5 45.1 13.6 50.4 11 745 17,436 1,089,639 24 1,478
6-10 64.0 5.5 64.0 135 8,463 94,300 5,932,879 211 13,225
11-15 62.4 3.9 62.0 252 15,390 113,794 6,972,357 404 24,828
Total 62.1 3.0 61.3 440 26,879 302,889 18,925,058 708 43,813
Select Experience By Issue Age
0-4 46.2 26.7 59.9 3 231 34,242 2,007,284 6 385
5-14 67.9 34.0 60.4 4 205 22,867 1,326,833 6 339
15-24 62.8 19.9 56.2 10 525 40,248 2,391,086 16 934
25-34 60.7 11.7 59.9 27 1,756 62,657 4,141,455 44 2,930
35-44 57.0 7.5 55.8 58 3,636 60,262 3,953,048 102 6,514
45-54 66.9 6.2 67.3 118 7,239 51,946 3,254,560 176 10,749
55-64 61.1 6.0 58.3 104 5,954 23,611 1,419,650 170 10,208
65-74 61.1 6.5 62.4 89 5,714 6,444 392,830 146 9,159
75-89 65.4 12.6 62.7 27 1,619 611 38,238 41 2,584
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 62.1 3.0 61.3 440 26,879 302,889 18,925,058 708 43,813
Ultimate Experience By Attained Age
15-19 103.3 51.6 75.6 4 200 12,182 830,312 4 265
20-29 68.0 22.7 60.0 9 521 34,567 2,270,694 13 868
30-39 42.7 13.5 41.1 10 575 31,835 1,912,185 23 1,400
40-49 52.1 6.1 52.0 73 4,799 80,818 5,340,435 140 9,234
50-59 63.2 4.0 63.7 254 16,773 112,796 7,482,592 402 26,328
60-69 54.4 3.5 56.9 238 15,018 53,587 3,258,408 438 26,390
70-79 49.9 4.3 48.1 136 7,757 11,833 697,280 273 16,117
80-89 57.9 4.7 58.9 155 9,719 3,845 236,063 268 16,502
90-99 101.9 10.3 98.8 97 5,785 577 35,401 95 5,853
100+ 84.3 84.3 53.5 1 50 3 244 1 93
Total 59.0 1.9 59.4 977 61,196 342,043 22,063,615 1,657 103,050
GRAND TOTAL 59.9 1.6 60.0 1,417 88,075 644,932 40,988,674 2,365 146,863

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.11     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
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 40.3 11.6 43.8 12 1,906 60,060 9,297,590 30 4,353
2 48.6 10.6 46.8 21 2,915 60,418 9,187,141 43 6,228
3 48.5 10.1 45.6 23 3,128 57,034 8,703,081 47 6,866
4 43.5 9.3 51.7 22 3,731 53,814 8,120,072 51 7,214
5 61.5 10.4 58.3 35 4,719 51,341 7,687,277 57 8,095
6-10 54.5 3.5 55.5 241 34,354 251,844 36,582,896 442 61,850
11-15 60.8 3.3 61.2 335 44,752 189,846 25,077,676 551 73,170
Total 56.4 2.1 56.9 689 95,506 724,359 104,655,734 1,221 167,775
Select Experience By Issue Age
0-4 66.2 33.1 61.7 4 450 30,038 3,627,915 6 729
5-14 47.9 27.6 47.7 3 366 27,004 3,317,202 6 768
15-24 85.8 18.3 79.2 22 2,582 74,078 9,669,087 26 3,262
25-34 65.9 7.2 63.2 85 12,020 208,288 32,209,429 129 19,006
35-44 61.3 4.8 61.8 164 23,703 204,849 30,988,319 268 38,365
45-54 50.8 4.0 53.4 160 22,652 130,984 18,368,633 315 42,433
55-64 48.1 4.7 48.2 104 13,543 40,501 5,312,462 216 28,095
65-74 55.5 5.7 54.8 96 12,936 7,493 1,006,038 173 23,620
75-89 61.8 8.7 63.1 51 7,255 1,123 156,649 83 11,497
90+ 0 0 0 0 0 0
Total 56.4 2.1 56.9 689 95,506 724,359 104,655,734 1,221 167,775
Ultimate Experience By Attained Age
15-19 59.6 59.6 76.5 1 175 5,302 721,269 2 229
20-29 65.2 37.6 80.0 3 478 11,931 1,552,736 5 597
30-39 35.9 16.0 37.9 5 622 19,075 2,259,766 14 1,644
40-49 61.4 6.7 65.1 83 11,123 86,639 10,984,141 135 17,083
50-59 54.6 4.1 58.4 174 23,580 102,098 13,059,309 318 40,395
60-69 60.6 4.9 60.3 154 18,884 34,141 4,219,297 254 31,330
70-79 38.1 4.9 37.7 61 7,668 6,817 857,356 160 20,346
80-89 71.7 5.6 70.7 166 21,731 3,244 431,228 232 30,736
90-99 77.7 10.1 77.7 59 7,521 453 57,438 76 9,680
100+ 71.9 50.9 66.2 2 225 6 758 3 340
Total 59.1 2.2 60.4 708 92,007 269,705 34,143,299 1,199 152,381
GRAND TOTAL 57.7 1.5 58.6 1,397 187,513 994,064 138,799,032 2,420 320,156

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.12     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
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 21.1 10.6 22.6 4 1,350 43,466 14,100,714 19 5,964
2 29.4 10.4 25.5 8 2,150 43,834 13,996,564 27 8,434
3 36.5 11.5 32.4 10 2,732 40,049 12,723,361 27 8,444
4 49.2 13.1 48.3 14 4,259 37,477 11,770,558 28 8,815
5 82.8 16.6 83.9 25 7,777 33,754 10,535,015 30 9,267
6-10 50.7 5.3 48.0 91 25,934 134,733 40,491,864 180 53,973
11-15 69.6 8.3 72.5 71 22,502 33,998 10,200,968 102 31,029
Total 53.9 3.6 53.0 223 66,705 367,310 113,819,044 414 125,926
Select Experience By Issue Age
0-4 0.0 0.0 115.2 0 250 3,760 1,121,800 1 217
5-14 104.2 104.2 132.0 1 377 4,202 1,251,395 1 286
15-24 52.5 30.3 106.2 3 1,768 20,888 6,144,393 6 1,664
25-34 47.8 9.0 44.3 28 8,072 127,598 40,425,214 59 18,203
35-44 53.7 6.6 49.4 66 18,491 133,505 41,606,271 123 37,460
45-54 55.9 7.2 53.6 61 17,376 63,922 19,213,501 109 32,395
55-64 62.2 11.2 59.4 31 8,933 11,287 3,381,832 50 15,028
65-74 34.7 9.3 38.2 14 4,801 1,746 545,783 40 12,558
75-89 74.2 17.0 81.8 19 6,635 403 128,855 26 8,116
90+ 0 0 0 0 0 0
Total 53.9 3.6 53.0 223 66,705 367,310 113,819,044 414 125,926
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 599 202,636 0 64
20-29 219.7 219.7 225.5 1 334 1,173 382,273 0 148
30-39 0.0 0.0 0.0 0 0 1,505 444,079 1 286
40-49 66.7 27.2 70.0 6 1,889 6,212 1,862,462 9 2,700
50-59 35.5 11.8 37.6 9 2,904 8,708 2,644,183 25 7,723
60-69 53.4 14.8 63.3 13 4,682 3,366 1,019,021 24 7,391
70-79 63.2 16.3 58.5 15 4,379 971 304,627 24 7,490
80-89 45.8 11.1 45.3 17 5,287 526 165,601 37 11,673
90-99 135.6 32.0 128.7 18 5,639 82 27,067 13 4,382
100+ 253.0 253.0 253.0 1 250 1 250 0 99
Total 59.3 6.6 60.5 80 25,365 23,145 7,052,199 135 41,956
GRAND TOTAL 55.2 3.2 54.8 303 92,069 390,455 120,871,243 549 167,882

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.13     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
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 70.4 26.6 68.3 7 4,058 26,657 15,802,708 10 5,945
2 31.2 15.6 26.9 4 2,000 25,608 14,960,670 13 7,431
3 46.5 19.0 48.9 6 3,650 22,446 13,014,801 13 7,466
4 73.7 23.3 72.1 10 5,650 19,908 11,463,893 14 7,838
5 51.0 19.3 48.3 7 3,800 16,516 9,405,360 14 7,862
6-10 69.6 10.6 70.4 43 24,771 47,127 26,559,022 62 35,164
11-15 60.6 12.9 64.6 22 13,490 9,610 5,403,993 36 20,877
Total 61.5 6.2 62.0 99 57,418 167,873 96,610,447 161 92,584
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,115 694,501 0 137
5-14 292.8 292.8 239.2 1 500 1,513 930,752 0 209
15-24 0.0 0.0 0.0 0 0 6,952 3,846,345 2 952
25-34 53.2 14.8 57.2 13 7,927 63,992 36,633,504 24 13,854
35-44 75.5 12.3 71.5 38 20,512 66,457 38,448,313 50 28,695
45-54 49.2 11.6 47.2 18 9,845 23,201 13,332,855 37 20,865
55-64 56.6 17.9 63.3 10 6,500 3,656 2,128,926 18 10,265
65-74 40.0 15.1 47.3 7 4,953 780 474,857 18 10,469
75-89 91.2 27.5 91.5 11 6,324 207 119,536 12 6,912
90+ 380.7 380.7 380.7 1 858 1 858 0 225
Total 61.5 6.2 62.0 99 57,418 167,873 96,610,447 161 92,584
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 98 63,794 0 20
20-29 0.0 0.0 0.0 0 0 208 133,523 0 53
30-39 0.0 0.0 0.0 0 0 303 183,136 0 120
40-49 63.0 63.0 69.7 1 617 1,093 609,595 2 886
50-59 112.8 42.6 113.0 7 3,999 2,141 1,219,202 6 3,538
60-69 89.0 33.6 95.7 7 4,377 1,050 607,008 8 4,573
70-79 10.7 10.7 14.2 1 800 377 225,901 9 5,640
80-89 52.8 18.7 47.4 8 4,275 225 133,097 15 9,025
90-99 37.8 26.7 38.3 2 1,226 30 18,743 5 3,203
100+ 231.4 163.7 231.4 2 1,000 2 1,000 1 432
Total 60.1 11.4 59.3 28 16,294 5,528 3,194,999 47 27,491
GRAND TOTAL 61.1 5.4 61.4 127 73,712 173,401 99,805,445 208 120,074

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 2.14     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
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 7,734 11,329,882 3 5,798
2 44.3 31.3 24.8 2 2,000 7,127 10,608,194 5 8,080
3 24.1 24.1 15.8 1 1,000 5,738 8,001,610 4 6,326
4 45.2 32.0 27.0 2 2,000 4,992 7,534,561 4 7,405
5 0.0 0.0 0.0 0 0 3,925 5,734,507 4 8,124
6-10 19.6 9.8 17.9 4 6,000 10,687 15,312,659 20 33,518
11-15 64.6 19.5 61.3 11 18,880 2,949 4,957,185 17 30,785
Total 34.3 7.7 29.9 20 29,880 43,152 63,478,598 58 100,036
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 402 796,132 0 149
5-14 0.0 0.0 0.0 0 0 528 1,242,088 0 286
15-24 0.0 0.0 0.0 0 0 1,123 1,896,711 0 520
25-34 42.2 29.8 31.0 2 2,000 12,771 16,831,645 5 6,443
35-44 51.3 19.4 48.9 7 9,500 18,572 26,002,385 14 19,421
45-54 24.8 14.3 20.8 3 4,080 7,423 11,930,648 12 19,601
55-64 34.1 19.7 20.6 3 3,300 1,669 3,287,793 9 16,037
65-74 19.5 13.8 9.0 2 2,000 498 1,171,480 10 22,286
75-89 36.6 21.1 58.8 3 9,000 164 319,715 8 15,296
90+ 0 0 0 0 0 0
Total 34.3 7.7 29.9 20 29,880 43,152 63,478,598 58 100,036
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 22 46,591 0 15
20-29 0.0 0.0 0.0 0 0 73 131,613 0 51
30-39 0.0 0.0 0.0 0 0 146 244,748 0 173
40-49 195.5 195.5 307.0 1 3,000 350 664,968 1 977
50-59 0.0 0.0 0.0 0 0 671 1,089,424 2 3,307
60-69 61.4 43.4 83.9 2 4,000 431 630,536 3 4,767
70-79 54.0 31.2 40.0 3 4,250 213 394,117 6 10,621
80-89 36.6 18.3 21.0 4 4,000 158 276,588 11 19,058
90-99 117.5 83.1 66.9 2 3,000 10 28,600 2 4,487
100+ 0 0 0 0 0 0
Total 49.7 14.3 42.0 12 18,250 2,075 3,507,185 24 43,455
GRAND TOTAL 38.8 6.9 33.5 32 48,130 45,226 66,985,782 82 143,491

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
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
1 150.8 106.6 125.1 2 13 674 4,160 1 10
2 0.0 0.0 16.5 0 2 488 4,489 1 12
3 0.0 0.0 63.5 0 11 447 4,741 1 17
4 72.0 72.0 43.0 1 8 356 5,009 1 20
5 78.8 78.8 62.8 1 14 274 4,915 1 23
6-10 68.3 25.8 77.6 7 175 1,374 33,907 10 225
11-15 53.9 13.1 57.4 17 347 1,990 60,162 32 605
Total 57.8 10.9 62.5 28 570 5,602 117,384 48 912
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 66 2,645 0 2
5-14 0.0 0.0 25.3 0 2 293 10,916 0 10
15-24 104.5 104.5 113.8 1 25 894 17,787 1 22
25-34 0.0 0.0 35.6 0 18 1,242 25,660 2 50
35-44 37.0 26.2 60.2 2 92 1,153 26,130 5 153
45-54 49.8 18.8 61.2 7 198 1,208 23,337 14 323
55-64 43.2 17.6 60.1 6 142 556 8,810 14 236
65-74 105.9 30.6 83.5 12 88 182 1,985 11 106
75-89 0.0 0.0 45.4 0 5 9 113 1 11
90+ 0 0 0 0 0 0
Total 57.8 10.9 62.5 28 570 5,602 117,384 48 912
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 352 7,620 0 6
20-29 81.9 81.9 96.9 1 15 1,225 15,761 1 16
30-39 37.8 37.8 62.8 1 17 1,502 14,828 3 26
40-49 26.4 18.7 70.4 2 75 1,873 25,957 8 106
50-59 51.1 11.4 55.2 20 253 3,203 38,636 39 458
60-69 42.4 5.4 49.5 61 585 4,358 37,229 144 1,183
70-79 60.9 4.2 63.8 210 1,272 4,589 26,937 345 1,993
80-89 68.0 4.1 72.0 273 1,342 2,808 13,271 402 1,865
90-99 52.9 7.6 52.4 48 149 363 1,161 91 284
100+ 0.0 0.0 0.0 0 0 13 12 7 7
Total 59.3 2.4 62.4 616 3,708 20,287 181,410 1,039 5,945
GRAND TOTAL 59.2 2.3 62.4 644 4,278 25,889 298,794 1,087 6,856

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.2     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
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 96.8 36.6 85.5 7 173 3,128 99,639 7 203
2 50.8 22.7 40.9 5 108 2,790 88,374 10 263
3 102.6 29.6 83.0 12 254 2,882 89,973 12 306
4 120.0 30.0 105.9 16 357 2,779 85,180 13 337
5 73.6 21.2 73.7 12 281 2,801 77,878 16 382
6-10 93.4 8.0 85.4 135 3,015 18,583 516,795 145 3,532
11-15 62.8 4.0 55.9 242 5,032 33,143 854,801 385 9,009
Total 72.9 3.5 65.7 429 9,220 66,105 1,812,641 588 14,031
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,403 27,036 1 19
5-14 65.1 26.6 66.6 6 118 10,695 206,085 9 177
15-24 96.1 29.0 78.6 11 265 9,345 276,910 11 337
25-34 45.0 15.0 28.5 9 202 10,670 379,973 20 708
35-44 70.0 10.2 57.8 47 1,166 12,074 378,173 67 2,017
45-54 71.5 6.3 63.6 129 2,858 13,094 346,708 181 4,496
55-64 75.9 6.2 73.5 152 3,155 6,995 160,156 200 4,294
65-74 75.3 9.1 72.5 69 1,350 1,749 36,233 92 1,861
75-89 86.3 35.2 88.2 6 107 81 1,366 7 121
90+ 0 0 0 0 0 0
Total 72.9 3.5 65.7 429 9,220 66,105 1,812,641 588 14,031
Ultimate Experience By Attained Age
15-19 0.0 0.0 11.3 0 10 4,622 108,295 4 89
20-29 81.0 19.6 86.3 17 388 21,075 452,493 21 450
30-39 56.3 12.0 51.7 22 436 22,621 482,637 39 842
40-49 55.5 8.0 47.1 48 1,228 21,530 638,583 87 2,608
50-59 51.4 3.6 48.7 205 5,854 33,580 1,023,230 399 12,018
60-69 56.5 2.4 54.7 539 13,053 30,378 774,746 954 23,849
70-79 63.1 2.3 59.9 731 13,313 16,117 313,515 1,159 22,213
80-89 76.3 3.5 76.8 470 7,910 4,474 75,200 616 10,305
90-99 85.8 14.5 96.4 35 616 171 2,667 41 639
100+ 0 0 0 0 0 0
Total 62.3 1.4 58.6 2,067 42,808 154,567 3,871,366 3,318 73,012
GRAND TOTAL 63.9 1.3 59.8 2,496 52,028 220,672 5,684,006 3,907 87,043

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.3     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
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
1 111.9 50.0 88.6 5 252 2,995 191,006 4 284
2 83.3 37.3 68.2 5 260 2,641 170,650 6 381
3 73.8 33.0 83.9 5 350 2,561 163,691 7 417
4 42.6 24.6 44.5 3 200 2,369 150,291 7 449
5 35.8 20.7 47.8 3 250 2,355 148,488 8 523
6-10 64.6 9.5 60.8 46 2,703 13,041 817,609 71 4,449
11-15 58.0 6.3 58.8 84 5,175 22,160 1,310,347 145 8,797
Total 60.7 4.9 60.1 151 9,190 48,122 2,952,083 249 15,301
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,049 55,282 1 39
5-14 58.9 34.0 56.5 3 151 5,894 309,483 5 267
15-24 109.4 34.6 105.3 10 550 7,709 442,977 9 522
25-34 66.0 18.3 74.3 13 948 11,040 711,791 20 1,277
35-44 59.7 10.2 55.9 34 2,052 11,124 731,060 57 3,669
45-54 52.1 7.4 50.0 49 2,867 8,489 531,145 94 5,732
55-64 59.4 10.8 63.7 30 1,925 2,509 151,887 51 3,022
65-74 101.2 29.2 94.9 12 697 299 17,763 12 734
75-89 0.0 0.0 0.0 0 0 10 695 0 39
90+ 0 0 0 0 0 0
Total 60.7 4.9 60.1 151 9,190 48,122 2,952,083 249 15,301
Ultimate Experience By Attained Age
15-19 86.3 49.8 81.7 3 152 4,292 230,157 3 187
20-29 42.5 21.2 50.8 4 266 9,517 529,256 9 524
30-39 67.9 22.6 65.3 9 486 7,609 426,718 13 745
40-49 46.1 9.0 48.7 26 1,763 13,216 844,365 56 3,620
50-59 51.2 4.2 53.8 150 10,160 25,411 1,643,103 293 18,877
60-69 57.9 4.0 61.0 212 13,683 12,533 770,171 366 22,426
70-79 54.6 5.8 53.7 88 5,238 2,377 143,327 161 9,746
80-89 63.2 11.7 61.1 29 1,712 335 20,489 46 2,802
90-99 121.2 54.2 132.1 5 311 18 1,029 4 236
100+ 0 0 0 0 0 0
Total 55.2 2.4 57.1 526 33,772 75,310 4,608,615 953 59,161
GRAND TOTAL 56.3 2.2 57.7 677 42,962 123,432 7,560,698 1,202 74,462

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.4     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
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 70.3 24.9 55.7 8 926 8,669 1,357,619 11 1,661
2 38.8 15.9 36.6 6 800 8,469 1,270,651 15 2,186
3 57.6 18.2 56.3 10 1,383 7,965 1,198,349 17 2,457
4 74.4 19.9 60.2 14 1,600 7,545 1,117,813 19 2,657
5 93.8 21.5 86.0 19 2,444 7,133 1,044,395 20 2,842
6-10 60.7 6.1 55.5 98 12,330 36,952 5,253,654 161 22,216
11-15 55.1 5.6 56.8 97 12,962 28,485 3,675,384 176 22,815
Total 59.9 3.8 57.1 252 32,445 105,219 14,917,866 421 56,834
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 352 39,953 0 29
5-14 50.8 35.9 44.3 2 200 4,765 547,649 4 452
15-24 76.2 24.1 81.4 10 1,303 12,095 1,492,527 13 1,601
25-34 45.3 9.4 43.2 23 3,217 31,155 4,749,476 51 7,443
35-44 66.4 7.2 63.4 86 11,498 32,807 4,843,551 130 18,142
45-54 58.1 6.1 54.1 91 11,208 20,082 2,740,283 156 20,711
55-64 57.8 10.1 55.7 33 4,016 3,724 474,593 57 7,217
65-74 69.8 28.5 68.9 6 758 230 28,480 9 1,101
75-89 111.8 111.8 175.6 1 245 10 1,355 1 140
90+ 0 0 0 0 0 0
Total 59.9 3.8 57.1 252 32,445 105,219 14,917,866 421 56,834
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 983 113,686 1 91
20-29 40.5 40.5 33.7 1 100 2,484 298,507 2 297
30-39 45.9 26.5 43.1 3 325 3,698 426,094 7 754
40-49 47.3 9.3 47.0 26 3,245 12,662 1,584,663 55 6,903
50-59 50.7 4.5 51.5 126 16,101 22,058 2,778,181 248 31,249
60-69 56.0 5.0 56.8 126 15,959 7,939 992,410 225 28,121
70-79 64.4 8.7 65.2 55 7,028 1,258 158,569 85 10,772
80-89 66.1 15.6 69.7 18 2,436 197 25,304 27 3,496
90-99 64.5 45.6 59.4 2 215 13 1,522 3 362
100+ 0 0 0 0 0 0
Total 54.6 2.9 55.3 357 45,408 51,292 6,378,936 654 82,044
GRAND TOTAL 56.7 2.3 56.1 609 77,853 156,512 21,296,802 1,074 138,878

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.5     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
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 4,630 1,519,311 5 1,539
2 48.2 27.8 55.4 3 1,100 4,417 1,435,053 6 1,986
3 67.7 30.3 67.1 5 1,575 4,450 1,419,046 7 2,348
4 12.3 12.3 11.9 1 300 4,213 1,321,456 8 2,529
5 57.3 25.6 71.2 5 1,913 3,801 1,182,824 9 2,684
6-10 44.3 8.4 45.2 28 8,600 17,488 5,263,082 63 19,006
11-15 75.5 15.7 69.6 23 6,464 4,765 1,437,756 30 9,282
Total 50.4 6.3 50.7 65 19,951 43,765 13,578,527 129 39,373
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 17 4,839 0 3
5-14 287.6 287.6 314.7 1 300 431 117,813 0 95
15-24 127.4 73.5 109.4 3 750 2,447 716,402 2 686
25-34 47.8 15.1 53.4 10 3,475 15,929 5,021,038 21 6,503
35-44 61.5 11.2 60.7 30 9,069 17,150 5,350,226 49 14,939
45-54 36.0 9.0 34.5 16 4,618 7,045 2,132,793 44 13,379
55-64 29.2 16.9 37.3 3 1,200 703 221,914 10 3,221
65-74 113.2 80.1 99.6 2 540 42 13,252 2 542
75-89 0.0 0.0 0.0 0 0 1 250 0 4
90+ 0 0 0 0 0 0
Total 50.4 6.3 50.7 65 19,951 43,765 13,578,527 129 39,373
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 46 14,105 0 11
20-29 0.0 0.0 0.0 0 0 108 31,615 0 32
30-39 242.1 242.1 202.3 1 250 232 69,836 0 124
40-49 0.0 0.0 0.0 0 0 1,084 324,380 5 1,413
50-59 56.9 15.8 53.3 13 3,706 2,010 607,653 23 6,955
60-69 64.1 15.5 65.3 17 5,253 908 274,032 27 8,050
70-79 28.7 14.3 44.2 4 1,947 202 64,222 14 4,407
80-89 85.9 35.1 77.4 6 1,768 52 17,016 7 2,284
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 54.2 8.5 55.5 41 12,923 4,643 1,402,858 76 23,275
GRAND TOTAL 51.8 5.0 52.5 106 32,875 48,408 14,981,385 204 62,648

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.6     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
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 41.6 41.6 34.1 1 500 2,520 1,535,840 2 1,466
2 32.2 32.2 26.9 1 500 2,378 1,429,480 3 1,861
3 28.9 28.9 24.3 1 500 2,252 1,329,067 3 2,058
4 50.0 35.4 42.2 2 1,000 2,096 1,235,963 4 2,371
5 59.5 42.0 73.4 2 1,450 1,631 949,027 3 1,975
6-10 52.6 14.6 51.3 13 7,270 6,572 3,748,364 25 14,166
11-15 25.2 14.5 22.1 3 1,509 1,505 858,128 12 6,841
Total 43.4 9.1 41.4 23 12,729 18,955 11,085,869 53 30,738
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 1,000 0 1
5-14 0.0 0.0 0.0 0 0 138 76,162 0 62
15-24 0.0 0.0 0.0 0 0 711 407,346 1 374
25-34 35.5 20.5 35.8 3 1,750 7,119 4,163,489 8 4,885
35-44 45.6 15.2 44.5 9 5,079 7,903 4,621,919 20 11,413
45-54 58.0 18.3 53.9 10 5,400 2,706 1,588,707 17 10,018
55-64 18.1 18.1 15.4 1 500 349 211,892 6 3,250
65-74 0.0 0.0 0.0 0 0 26 15,353 1 735
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 43.4 9.1 41.4 23 12,729 18,955 11,085,869 53 30,738
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 10 5,768 0 5
20-29 0.0 0.0 0.0 0 0 32 17,903 0 18
30-39 0.0 0.0 0.0 0 0 51 30,751 0 55
40-49 0.0 0.0 0.0 0 0 222 126,721 1 572
50-59 28.5 20.2 25.1 2 1,000 592 335,132 7 3,983
60-69 110.8 35.0 112.9 10 5,824 315 179,214 9 5,159
70-79 34.9 24.7 30.1 2 1,040 81 48,457 6 3,458
80-89 35.3 35.3 30.2 1 500 21 12,111 3 1,654
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 58.3 15.0 56.1 15 8,364 1,324 756,056 26 14,902
GRAND TOTAL 48.3 7.8 46.2 38 21,093 20,279 11,841,925 79 45,640

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.7     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
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 1,134 1,899,163 1 2,120
2 119.0 84.1 70.2 2 2,060 1,056 1,905,889 2 2,935
3 0.0 0.0 0.0 0 0 818 1,213,225 1 2,185
4 166.6 96.2 114.7 3 3,500 825 1,350,258 2 3,052
5 0.0 0.0 0.0 0 0 577 924,035 2 2,753
6-10 38.9 19.5 42.4 4 7,000 2,286 3,444,321 10 16,524
11-15 21.5 21.5 15.3 1 1,080 541 849,177 5 7,082
Total 44.1 13.9 37.2 10 13,640 7,237 11,586,068 23 36,650
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 25 28,923 0 24
15-24 0.0 0.0 0.0 0 0 207 510,428 0 473
25-34 85.3 60.3 74.9 2 2,500 2,022 2,963,273 2 3,340
35-44 36.8 21.3 31.6 3 4,000 3,346 5,260,554 8 12,643
45-54 47.6 23.8 36.3 4 5,140 1,411 2,416,908 8 14,167
55-64 32.5 32.5 36.7 1 2,000 213 391,775 3 5,447
65-74 0.0 0.0 0.0 0 0 12 14,206 0 556
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 44.1 13.9 37.2 10 13,640 7,237 11,586,068 23 36,650
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1 1,003 0 1
20-29 0.0 0.0 0.0 0 0 10 14,987 0 15
30-39 0.0 0.0 0.0 0 0 20 55,588 0 98
40-49 0.0 0.0 0.0 0 0 70 114,030 0 515
50-59 43.4 43.4 90.8 1 3,240 198 307,457 2 3,568
60-69 53.9 38.1 61.1 2 3,329 122 177,886 4 5,445
70-79 0.0 0.0 0.0 0 0 37 58,999 3 4,287
80-89 141.8 141.8 72.6 1 1,060 5 9,324 1 1,459
90-99 0.0 0.0 0.0 0 0 1 1,000 0 216
100+ 0 0 0 0 0 0
Total 40.3 20.2 48.9 4 7,629 464 740,273 10 15,604
GRAND TOTAL 42.9 11.5 40.7 14 21,269 7,700 12,326,341 33 52,255

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.8     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
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 34.2 34.2 45.9 1 10 2,949 18,891 3 21
2 99.2 57.3 140.7 3 37 2,067 18,831 3 26
3 33.7 33.7 28.9 1 9 1,695 19,459 3 29
4 88.2 50.9 95.1 3 38 1,364 18,522 3 40
5 62.8 44.4 120.3 2 49 971 16,619 3 41
6-10 76.7 19.8 74.4 15 292 3,706 97,131 20 392
11-15 61.4 10.9 62.9 32 550 3,817 112,923 52 874
Total 65.4 8.7 69.1 57 984 16,568 302,376 87 1,423
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1 271 0 0
5-14 0.0 0.0 0.0 0 0 21 3,662 0 3
15-24 53.2 53.2 35.8 1 15 2,484 50,931 2 43
25-34 69.0 48.8 39.3 2 27 3,757 73,247 3 69
35-44 84.8 42.4 72.7 4 90 3,351 64,231 5 124
45-54 52.5 19.9 48.8 7 153 3,333 62,371 13 314
55-64 61.0 15.8 83.9 15 348 2,434 35,044 25 416
65-74 66.5 14.2 74.1 22 278 1,094 11,500 33 375
75-89 90.6 37.0 89.4 6 72 93 1,119 7 80
90+ 0 0 0 0 0 0
Total 65.4 8.7 69.1 57 984 16,568 302,376 87 1,423
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 21 654 0 1
20-29 533.6 377.3 343.5 2 15 369 4,318 0 4
30-39 0.0 0.0 125.2 0 20 776 13,722 1 16
40-49 112.6 50.4 98.6 5 83 2,328 44,538 4 84
50-59 61.5 19.4 40.3 10 110 3,602 61,222 16 272
60-69 52.2 8.7 59.3 36 512 5,179 67,306 69 863
70-79 59.3 5.0 60.7 139 1,278 5,924 54,784 234 2,107
80-89 71.6 4.2 72.9 294 2,133 4,129 29,879 410 2,927
90-99 83.6 9.6 79.8 76 474 445 2,917 91 594
100+ 0.0 0.0 0.0 0 0 5 22 3 13
Total 67.7 2.9 67.2 562 4,625 22,779 279,360 830 6,881
GRAND TOTAL 67.5 2.7 67.5 619 5,609 39,347 581,736 917 8,305

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.9     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
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 62.3 22.0 56.8 8 224 9,223 335,956 13 394
2 65.8 19.0 67.2 12 348 8,680 301,581 18 517
3 110.1 22.5 78.8 24 478 8,429 300,802 22 607
4 93.5 19.1 95.5 24 677 7,812 279,395 26 709
5 72.0 15.0 53.4 23 446 7,723 265,672 32 834
6-10 64.8 4.8 58.1 185 4,438 45,858 1,612,113 285 7,632
11-15 55.1 2.7 52.8 412 10,051 65,684 2,199,482 748 19,040
Total 60.1 2.3 56.0 688 16,662 153,408 5,295,001 1,144 29,734
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 433 12,206 0 9
5-14 49.7 49.7 40.0 1 25 2,242 69,795 2 62
15-24 47.8 15.1 35.4 10 265 23,953 862,608 21 749
25-34 54.7 14.1 48.9 15 603 27,828 1,237,775 27 1,231
35-44 72.2 11.6 68.5 39 1,433 26,786 1,068,531 54 2,091
45-54 56.2 5.8 55.3 94 2,819 30,796 994,353 167 5,096
55-64 54.5 3.7 51.9 217 5,131 28,040 741,469 398 9,878
65-74 63.1 3.9 57.6 259 5,342 12,331 287,522 410 9,278
75-89 82.8 11.4 77.9 53 1,043 999 20,743 64 1,339
90+ 0 0 0 0 0 0
Total 60.1 2.3 56.0 688 16,662 153,408 5,295,001 1,144 29,734
Ultimate Experience By Attained Age
15-19 30.1 30.1 33.9 1 31 4,024 109,155 3 90
20-29 69.5 20.9 79.9 11 307 15,909 385,464 16 383
30-39 79.2 16.5 85.7 23 681 25,111 687,239 29 795
40-49 74.4 9.3 69.6 64 2,244 46,779 1,732,025 86 3,224
50-59 55.3 4.5 54.3 153 5,645 62,224 2,353,985 276 10,388
60-69 55.5 2.6 53.5 458 13,778 64,842 2,067,850 826 25,746
70-79 55.1 1.7 53.7 1,057 24,949 50,091 1,240,795 1,918 46,426
80-89 65.2 1.7 63.7 1,449 29,393 23,270 485,087 2,223 46,117
90-99 77.3 4.9 75.1 248 4,861 1,612 32,440 321 6,470
100+ 36.9 36.9 23.7 1 21 5 154 3 87
Total 60.8 1.0 58.6 3,465 81,910 293,869 9,094,193 5,702 139,727
GRAND TOTAL 60.7 0.9 58.2 4,153 98,572 447,277 14,389,194 6,846 169,461

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.10     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
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
1 108.2 32.6 94.9 11 637 10,992 745,868 10 671
2 71.8 22.7 67.0 10 617 9,912 673,388 14 921
3 48.8 17.3 49.2 8 518 9,350 634,319 16 1,053
4 99.7 23.5 83.4 18 953 8,806 590,789 18 1,143
5 56.5 16.3 54.0 12 725 8,382 559,970 21 1,343
6-10 65.1 6.0 62.7 119 7,450 43,054 2,948,077 183 11,888
11-15 52.6 3.8 52.4 190 11,940 58,090 3,787,513 361 22,791
Total 59.0 3.1 57.4 368 22,839 148,587 9,939,925 624 39,810
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 179 10,645 0 8
5-14 47.4 47.4 42.1 1 50 2,346 132,227 2 119
15-24 64.7 18.7 55.2 12 626 21,553 1,332,859 19 1,135
25-34 59.0 13.5 58.1 19 1,326 33,627 2,369,798 32 2,283
35-44 65.1 9.9 66.0 43 3,075 33,432 2,378,391 66 4,663
45-54 61.2 6.2 61.0 97 6,252 33,306 2,213,246 159 10,255
55-64 54.0 5.1 51.0 112 6,488 19,280 1,206,707 207 12,714
65-74 62.7 7.1 59.8 78 4,619 4,659 283,005 124 7,719
75-89 42.4 17.3 45.3 6 404 202 12,912 14 891
90+ 0.0 0.0 0.0 0 0 2 135 0 24
Total 59.0 3.1 57.4 368 22,839 148,587 9,939,925 624 39,810
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,596 92,734 1 78
20-29 43.2 25.0 38.4 3 150 7,004 393,726 7 390
30-39 72.7 21.9 63.7 11 561 13,067 759,983 15 880
40-49 66.8 8.7 64.5 59 3,894 46,449 3,144,707 88 6,037
50-59 50.8 3.8 46.7 175 11,293 77,933 5,491,964 345 24,203
60-69 48.9 2.7 49.2 325 21,271 55,825 3,662,401 665 43,265
70-79 52.8 2.8 51.1 363 21,492 19,351 1,184,924 687 42,052
80-89 58.5 3.5 56.7 287 17,139 5,184 318,818 490 30,216
90-99 94.2 11.1 99.3 72 4,642 372 22,799 76 4,676
100+ 0.0 0.0 0.0 0 0 7 402 3 186
Total 54.4 1.5 52.9 1,295 80,442 226,787 15,072,458 2,378 151,985
GRAND TOTAL 55.4 1.4 53.8 1,663 103,281 375,374 25,012,382 3,002 191,795

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.11     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
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 34.9 10.5 39.6 11 1,925 38,254 6,246,503 31 4,859
2 75.6 12.8 76.3 35 5,324 39,302 6,286,731 46 6,974
3 60.5 10.7 60.4 32 4,795 36,307 5,868,482 53 7,940
4 43.9 8.8 45.9 25 3,885 33,987 5,428,589 57 8,459
5 48.3 8.7 50.0 31 4,785 32,967 5,258,490 64 9,568
6-10 55.5 3.3 53.9 283 39,752 172,418 26,517,201 510 73,749
11-15 57.6 3.0 56.9 364 49,737 145,036 20,452,219 632 87,418
Total 56.0 2.0 55.4 781 110,203 498,270 76,058,215 1,394 198,967
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 282 37,039 0 27
5-14 0.0 0.0 0.0 0 0 3,730 452,930 3 389
15-24 60.1 12.5 52.7 23 2,602 47,415 6,187,785 38 4,935
25-34 51.3 6.5 50.2 62 9,581 127,040 20,588,499 121 19,078
35-44 63.4 4.9 60.5 169 24,833 150,027 24,201,826 266 41,080
45-54 55.1 3.6 55.0 233 33,211 115,390 17,149,828 423 60,386
55-64 54.3 3.8 55.4 203 27,777 47,509 6,527,102 374 50,178
65-74 55.5 6.2 54.5 81 10,772 6,581 872,707 146 19,763
75-89 44.4 14.1 46.1 10 1,428 295 40,371 23 3,095
90+ 0.0 0.0 0.0 0 0 1 130 0 37
Total 56.0 2.0 55.4 781 110,203 498,270 76,058,215 1,394 198,967
Ultimate Experience By Attained Age
15-19 135.4 95.7 122.7 2 226 1,813 226,490 1 184
20-29 25.8 25.8 21.3 1 100 3,908 472,582 4 469
30-39 42.5 17.4 48.4 6 807 12,171 1,436,312 14 1,666
40-49 48.8 5.8 47.4 71 9,114 74,489 9,803,427 145 19,243
50-59 49.6 3.0 50.1 279 37,941 129,552 17,462,052 562 75,684
60-69 50.6 2.6 50.6 375 49,370 64,844 8,556,301 741 97,627
70-79 49.4 2.9 48.6 283 36,276 16,236 2,115,000 573 74,625
80-89 53.6 3.5 54.2 235 31,388 4,579 602,965 438 57,865
90-99 79.3 10.1 82.6 62 8,616 384 51,201 78 10,426
100+ 259.5 259.5 259.5 1 100 1 100 0 39
Total 51.4 1.4 51.5 1,315 173,938 307,977 40,726,429 2,558 337,828
GRAND TOTAL 53.0 1.2 52.9 2,096 284,141 806,246 116,784,644 3,952 536,795

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.12     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
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 48.9 16.3 64.9 9 4,055 26,662 9,353,455 18 6,244
2 25.7 9.7 28.2 7 2,550 28,102 9,659,054 27 9,041
3 43.4 11.6 38.6 14 4,057 28,422 9,543,497 32 10,518
4 43.8 10.9 42.7 16 5,050 27,920 9,238,799 37 11,826
5 46.7 11.0 46.7 18 5,767 25,588 8,394,412 39 12,337
6-10 47.1 4.0 46.6 137 41,812 126,555 39,635,592 291 89,733
11-15 50.8 5.3 53.7 93 30,813 45,648 14,372,569 183 57,410
Total 46.9 2.7 47.7 294 94,104 308,897 100,197,377 627 197,111
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 12,602 0 9
5-14 138.1 138.1 122.1 1 250 844 238,268 1 205
15-24 71.1 26.9 69.4 7 2,025 13,272 3,958,305 10 2,917
25-34 46.9 8.0 50.8 34 12,071 86,418 28,798,746 72 23,780
35-44 48.9 5.5 48.0 80 25,320 115,950 38,255,797 164 52,726
45-54 44.6 4.7 44.1 91 27,911 71,943 22,630,238 204 63,244
55-64 46.3 6.1 50.9 58 19,489 18,421 5,680,283 125 38,310
65-74 49.3 10.7 48.5 21 6,456 1,895 588,591 43 13,312
75-89 24.1 17.1 22.3 2 583 109 34,547 8 2,608
90+ 0 0 0 0 0 0
Total 46.9 2.7 47.7 294 94,104 308,897 100,197,377 627 197,111
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 317 92,063 0 75
20-29 274.5 194.1 268.7 2 567 733 212,384 1 211
30-39 0.0 0.0 0.0 0 0 1,312 376,351 2 436
40-49 51.8 15.6 52.9 11 3,462 10,645 3,273,357 21 6,545
50-59 39.0 6.3 38.1 38 11,521 22,368 6,939,831 97 30,220
60-69 51.6 6.0 51.0 73 22,461 12,335 3,831,159 142 44,000
70-79 32.3 5.4 33.2 36 11,648 3,160 991,648 111 35,047
80-89 59.4 8.3 56.7 51 15,515 910 290,069 86 27,341
90-99 107.7 28.8 98.7 14 3,884 63 19,189 13 3,934
100+ 259.5 259.5 259.5 1 400 1 400 0 154
Total 47.7 3.2 46.9 226 69,457 51,844 16,026,452 473 147,963
GRAND TOTAL 47.3 2.1 47.4 520 163,561 360,741 116,223,829 1,100 345,074

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.13     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
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 50.0 18.9 53.9 7 4,672 22,198 13,917,080 14 8,674
2 52.5 16.6 45.7 10 5,350 22,119 13,715,133 19 11,714
3 46.2 14.6 52.2 10 6,900 21,284 13,095,720 22 13,225
4 29.7 11.2 28.4 7 4,050 20,034 12,230,422 24 14,260
5 39.6 13.2 40.9 9 5,600 16,743 10,170,384 23 13,708
6-10 46.8 5.6 46.5 71 41,691 68,436 40,530,138 152 89,681
11-15 52.1 7.6 49.1 47 25,842 20,381 11,813,163 90 52,587
Total 47.0 3.7 46.2 161 94,106 191,195 115,472,038 343 203,849
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,645 0 4
5-14 0.0 0.0 0.0 0 0 206 115,958 0 99
15-24 55.8 39.5 74.3 2 1,500 4,961 2,803,956 4 2,019
25-34 34.1 9.1 31.3 14 7,671 53,311 32,191,401 41 24,521
35-44 47.0 6.9 47.1 46 27,716 80,639 49,193,425 98 58,808
45-54 56.4 7.2 55.9 61 35,727 41,485 24,860,817 108 63,935
55-64 36.4 7.4 34.6 24 13,500 9,568 5,695,183 66 38,975
65-74 48.9 15.5 46.4 10 5,636 939 560,045 20 12,153
75-89 71.5 35.8 70.6 4 2,356 77 46,609 6 3,336
90+ 0 0 0 0 0 0
Total 47.0 3.7 46.2 161 94,106 191,195 115,472,038 343 203,849
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 30 17,383 0 14
20-29 0.0 0.0 0.0 0 0 102 56,614 0 56
30-39 0.0 0.0 0.0 0 0 332 186,845 0 216
40-49 70.0 35.0 64.5 4 2,100 2,817 1,603,488 6 3,255
50-59 50.4 11.9 49.1 18 10,193 8,029 4,659,583 36 20,763
60-69 53.7 9.2 57.2 34 21,097 5,412 3,146,105 63 36,859
70-79 44.3 9.0 43.0 24 13,758 1,510 889,989 54 31,981
80-89 48.8 10.4 51.3 22 13,475 470 274,745 45 26,265
90-99 27.8 19.6 34.9 2 1,417 34 19,178 7 4,060
100+ 0 0 0 0 0 0
Total 49.1 4.8 50.2 104 62,041 18,736 10,853,930 212 123,470
GRAND TOTAL 47.8 2.9 47.7 265 156,146 209,931 126,325,968 555 327,318

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.14     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
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 22.4 15.9 20.6 2 3,500 13,434 24,004,214 9 16,978
2 50.3 20.6 38.2 6 8,500 12,908 23,194,205 12 22,275
3 95.9 27.7 60.7 12 13,889 11,296 19,061,139 13 22,881
4 49.3 18.6 44.6 7 11,750 10,694 18,245,462 14 26,320
5 7.6 7.6 9.1 1 2,160 8,319 14,133,712 13 23,742
6-10 44.8 7.4 52.0 37 74,354 31,388 49,779,449 83 143,115
11-15 52.7 10.1 59.8 27 50,268 9,225 14,371,751 51 84,088
Total 47.3 4.9 48.4 92 164,421 97,265 162,789,934 195 339,399
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4 4,126 0 3
5-14 0.0 0.0 0.0 0 0 64 116,117 0 102
15-24 89.6 89.6 47.5 1 1,000 1,487 2,785,833 1 2,105
25-34 26.7 13.4 22.0 4 4,800 20,192 29,760,814 15 21,829
35-44 54.1 10.4 42.8 27 34,398 43,162 71,040,532 50 80,430
45-54 45.5 8.4 39.3 29 43,123 25,288 45,074,611 64 109,588
55-64 45.4 10.4 36.3 19 28,300 6,179 12,173,524 42 78,005
65-74 51.4 17.1 119.1 9 40,536 808 1,590,826 18 34,050
75-89 56.3 32.5 92.3 3 12,264 82 243,550 5 13,286
90+ 0 0 0 0 0 0
Total 47.3 4.9 48.4 92 164,421 97,265 162,789,934 195 339,399
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 8 8,487 0 7
20-29 0.0 0.0 0.0 0 0 27 31,566 0 31
30-39 0.0 0.0 0.0 0 0 133 180,735 0 209
40-49 0.0 0.0 0.0 0 0 977 1,494,393 2 2,972
50-59 70.0 22.1 66.6 10 14,320 3,173 4,769,387 14 21,502
60-69 48.2 12.9 66.8 14 30,995 2,420 3,798,830 29 46,372
70-79 39.4 10.5 46.4 14 26,775 972 1,563,238 36 57,645
80-89 45.2 11.7 38.3 15 23,300 352 664,318 33 60,869
90-99 0.0 0.0 0.0 0 0 15 18,664 3 3,829
100+ 0 0 0 0 0 0
Total 45.2 6.2 49.3 53 95,390 8,077 12,529,619 117 193,436
GRAND TOTAL 46.5 3.9 48.8 145 259,811 105,342 175,319,552 312 532,835

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.15     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
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 79.2 79.2 125.0 1 7 2,320 9,207 1 6
2 306.7 177.1 272.5 3 45 1,966 14,705 1 16
3 114.8 114.8 80.9 1 8 1,774 17,490 1 10
4 119.0 119.0 120.6 1 11 1,557 17,736 1 9
5 0.0 0.0 101.5 0 10 668 17,822 1 10
6-10 0.0 0.0 85.0 0 48 2,541 87,014 1 57
11-15 109.7 24.5 97.9 20 133 2,502 72,198 18 136
Total 109.4 21.4 107.6 26 263 13,329 236,172 24 245
Select Experience By Issue Age
0-4 115.9 66.9 55.6 3 20 7,944 143,044 3 36
5-14 49.8 49.8 61.8 1 28 4,288 73,271 2 45
15-24 0.0 0.0 120.7 0 12 644 11,850 1 10
25-34 0.0 0.0 0.0 0 0 11 1,007 0 1
35-44 0.0 0.0 0.0 0 0 29 1,172 0 3
45-54 0.0 0.0 157.2 0 11 37 1,362 0 7
55-64 95.8 47.9 100.0 4 37 151 1,989 4 37
65-74 125.6 34.8 121.4 13 92 185 1,973 10 76
75-89 137.6 61.5 208.9 5 62 40 500 4 30
90+ 186.9 0 1 0 4 0 1
Total 109.4 21.4 107.6 26 263 13,329 236,172 24 245
Ultimate Experience By Attained Age
15-19 228.1 161.3 99.2 2 14 1,087 18,293 1 14
20-29 71.8 32.1 76.6 5 54 6,970 70,968 7 71
30-39 80.6 15.2 83.0 28 177 28,078 173,494 35 214
40-49 105.0 9.4 100.2 124 644 51,868 280,601 118 643
50-59 75.3 3.7 72.1 414 2,208 85,752 479,851 550 3,064
60-69 59.6 1.6 61.8 1,353 7,881 129,190 727,048 2,270 12,750
70-79 61.0 1.0 63.1 3,696 18,744 132,382 657,899 6,058 29,703
80-89 75.3 0.8 78.5 7,856 34,288 99,720 421,865 10,436 43,685
90-99 71.3 1.3 84.5 3,076 12,060 19,166 65,239 4,313 14,276
100+ 5.9 0.5 16.7 137 353 3,212 3,277 2,338 2,116
Total 63.9 0.5 71.7 16,691 76,423 557,425 2,898,535 26,126 106,535
GRAND TOTAL 63.9 0.5 71.8 16,717 76,686 570,754 3,134,708 26,150 106,780

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.16     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
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 73.9 52.3 43.1 2 35 5,961 180,363 3 81
2 203.6 91.0 105.8 5 70 5,904 176,979 2 66
3 40.7 40.7 46.9 1 30 6,300 187,010 2 64
4 49.8 49.8 50.6 1 27 5,819 172,585 2 54
5 0.0 0.0 0.0 0 0 6,259 162,989 2 55
6-10 31.3 18.1 18.0 3 51 31,260 803,802 10 285
11-15 67.3 13.2 70.2 26 686 43,454 1,136,407 39 976
Total 63.3 10.3 56.9 38 899 104,958 2,820,134 60 1,582
Select Experience By Issue Age
0-4 59.5 17.2 72.2 12 392 71,404 1,885,349 20 542
5-14 42.9 16.2 38.9 7 170 28,729 774,899 16 438
15-24 64.2 45.4 45.3 2 49 3,645 126,309 3 107
25-34 652.3 652.3 345.6 1 25 150 6,704 0 7
35-44 224.3 224.3 175.1 1 30 189 7,236 0 17
45-54 168.5 84.2 105.3 4 70 294 8,379 2 66
55-64 46.9 23.5 23.1 4 45 337 7,351 9 194
65-74 60.5 27.1 42.4 5 84 189 3,604 8 198
75-89 278.0 196.6 302.2 2 35 21 304 1 12
90+ 0 0 0 0 0 0
Total 63.3 10.3 56.9 38 899 104,958 2,820,134 60 1,582
Ultimate Experience By Attained Age
15-19 70.1 17.5 88.6 16 576 29,434 840,357 23 651
20-29 64.9 8.7 64.3 56 1,436 87,131 2,256,173 86 2,232
30-39 76.7 9.4 69.8 66 1,292 70,965 1,527,203 86 1,852
40-49 78.7 7.6 67.2 107 2,965 59,104 1,846,007 136 4,411
50-59 70.7 2.9 63.7 609 18,175 133,315 4,499,272 861 28,520
60-69 59.0 1.5 54.3 1,513 35,740 153,314 4,020,026 2,566 65,844
70-79 60.1 1.3 58.7 2,265 47,081 86,373 1,856,203 3,766 80,251
80-89 76.1 1.4 73.7 3,042 59,248 39,127 789,217 4,000 80,442
90-99 82.9 2.9 80.1 838 16,176 4,714 94,514 1,011 20,191
100+ 25.3 6.1 22.9 17 299 110 2,165 67 1,305
Total 67.7 0.7 64.0 8,529 182,987 663,588 17,731,137 12,602 285,700
GRAND TOTAL 67.7 0.7 64.0 8,567 183,887 768,546 20,551,271 12,662 287,281

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.17     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
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 5,203 307,889 2 145
2 0.0 0.0 0.0 0 0 4,554 273,611 2 119
3 82.7 58.4 68.9 2 100 4,446 266,595 2 145
4 122.3 61.2 101.9 4 200 4,771 283,931 3 196
5 165.3 67.5 143.5 6 300 4,669 268,151 4 209
6-10 60.9 12.4 57.5 24 1,315 27,723 1,583,115 39 2,289
11-15 35.9 10.8 36.2 11 675 18,376 1,079,074 31 1,867
Total 56.1 8.2 52.1 47 2,590 69,742 4,062,365 84 4,969
Select Experience By Issue Age
0-4 10.9 10.9 9.4 1 50 33,966 1,943,914 9 530
5-14 27.6 19.5 22.8 2 100 14,796 884,538 7 438
15-24 121.8 49.7 106.8 6 300 6,090 346,385 5 281
25-34 76.8 38.4 91.8 4 285 5,458 319,605 5 310
35-44 117.7 37.2 92.8 10 500 4,303 263,647 8 539
45-54 65.8 18.2 67.6 13 805 3,373 202,369 20 1,191
55-64 34.7 13.1 30.0 7 350 1,485 86,017 20 1,168
65-74 52.8 26.4 45.6 4 200 254 14,875 8 439
75-89 0.0 0.0 0.0 0 0 17 1,015 1 72
90+ 0 0 0 0 0 0
Total 56.1 8.2 52.1 47 2,590 69,742 4,062,365 84 4,969
Ultimate Experience By Attained Age
15-19 22.3 22.3 15.4 1 50 5,912 423,132 4 325
20-29 80.6 21.5 58.1 14 713 17,564 1,241,145 17 1,228
30-39 59.0 20.9 46.9 8 425 11,177 749,342 14 907
40-49 68.2 18.9 46.1 13 890 8,055 787,670 19 1,931
50-59 53.6 6.8 50.6 62 5,878 18,267 1,879,084 116 11,611
60-69 55.6 4.6 49.3 145 10,623 16,073 1,340,498 261 21,541
70-79 52.5 4.3 52.7 151 11,893 6,715 525,137 288 22,556
80-89 66.8 4.9 66.7 188 15,337 2,777 226,464 282 23,004
90-99 68.0 9.7 63.7 49 3,513 334 25,780 72 5,512
100+ 78.4 45.2 72.7 3 196 7 478 4 269
Total 58.9 2.3 55.7 634 49,519 86,881 7,198,729 1,076 88,885
GRAND TOTAL 58.7 2.3 55.5 681 52,109 156,623 11,261,094 1,160 93,854

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.18     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
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 32.4 32.4 51.4 1 200 7,281 902,698 3 389
2 116.0 67.0 131.8 3 451 6,389 798,558 3 342
3 34.5 34.5 57.2 1 225 6,038 767,197 3 393
4 27.4 27.4 38.6 1 200 6,226 815,475 4 518
5 77.6 44.8 62.9 3 350 5,540 737,926 4 556
6-10 25.4 9.0 23.7 8 1,101 25,122 3,467,264 32 4,639
11-15 47.2 12.6 54.7 14 2,100 16,054 2,020,340 30 3,837
Total 40.1 7.2 43.3 31 4,627 72,649 9,509,458 77 10,675
Select Experience By Issue Age
0-4 78.5 32.1 81.6 6 751 27,854 3,347,101 8 920
5-14 63.1 28.2 55.2 5 550 18,853 2,330,438 8 996
15-24 0.0 0.0 0.0 0 0 6,412 819,066 5 670
25-34 21.8 15.4 21.7 2 300 8,608 1,325,718 9 1,382
35-44 60.3 20.1 82.2 9 1,875 6,607 1,055,390 15 2,280
45-54 35.1 14.3 30.5 6 750 3,280 492,461 17 2,462
55-64 28.8 16.6 29.5 3 401 874 118,437 10 1,359
65-74 0.0 0.0 0.0 0 0 153 19,463 4 517
75-89 0.0 0.0 0.0 0 0 10 1,385 1 87
90+ 0 0 0 0 0 0
Total 40.1 7.2 43.3 31 4,627 72,649 9,509,458 77 10,675
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,098 299,231 2 226
20-29 19.2 19.2 29.8 1 219 5,278 741,596 5 733
30-39 0.0 0.0 0.0 0 0 3,784 492,847 5 602
40-49 57.2 16.5 53.2 12 1,483 8,979 1,174,566 21 2,786
50-59 51.0 8.6 50.8 35 5,410 11,434 1,755,412 69 10,658
60-69 42.3 6.3 35.2 45 6,062 6,663 1,069,128 106 17,212
70-79 60.7 7.7 60.7 63 10,480 2,387 396,860 104 17,275
80-89 65.0 7.7 61.4 71 11,210 1,094 182,195 109 18,257
90-99 51.2 14.8 60.4 12 2,586 111 20,438 23 4,278
100+ 0.0 0.0 0.0 0 0 1 268 0 116
Total 53.8 3.5 51.9 239 37,450 41,831 6,132,540 444 72,144
GRAND TOTAL 51.8 3.1 50.8 270 42,077 114,480 15,641,997 522 82,818

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.19     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
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 58.4 23.8 62.3 6 1,830 12,385 3,572,228 10 2,939
2 48.0 18.1 50.3 7 2,125 11,816 3,450,987 15 4,223
3 44.9 20.1 44.5 5 1,450 8,102 2,410,539 11 3,262
4 33.3 19.3 35.5 3 950 6,235 1,890,578 9 2,676
5 24.8 17.5 39.5 2 950 5,114 1,559,314 8 2,404
6-10 48.0 15.2 45.6 10 3,008 10,279 3,330,782 21 6,594
11-15 30.5 30.5 33.6 1 350 1,650 518,389 3 1,040
Total 44.1 7.6 46.1 34 10,663 55,581 16,732,817 77 23,137
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,516 1,039,599 1 276
5-14 80.1 80.1 63.7 1 250 2,981 912,557 1 392
15-24 64.3 64.3 79.3 1 358 2,279 658,929 2 451
25-34 60.2 26.9 63.3 5 1,680 12,523 3,920,227 8 2,652
35-44 49.6 17.5 46.6 8 2,350 16,639 5,087,135 16 5,048
45-54 35.6 11.3 37.4 10 3,100 13,465 3,916,064 28 8,278
55-64 32.8 13.4 39.3 6 2,075 3,946 1,132,314 18 5,286
65-74 114.8 66.3 112.9 3 850 232 65,993 3 753
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 44.1 7.6 46.1 34 10,663 55,581 16,732,817 77 23,137
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 274 93,893 0 69
20-29 0.0 0.0 0.0 0 0 423 157,899 0 156
30-39 0.0 0.0 0.0 0 0 241 86,086 0 104
40-49 0.0 0.0 0.0 0 0 329 114,245 1 282
50-59 21.5 21.5 61.8 1 1,169 750 301,285 5 1,892
60-69 29.2 16.9 30.7 3 1,357 620 267,264 10 4,422
70-79 62.0 19.6 67.6 10 4,397 369 149,841 16 6,507
80-89 33.1 13.5 39.1 6 2,956 180 75,375 18 7,551
90-99 193.5 79.0 149.9 6 1,945 15 6,516 3 1,298
100+ 0 0 0 0 0 0
Total 48.2 9.4 53.1 26 11,824 3,201 1,252,403 54 22,283
GRAND TOTAL 45.8 5.9 49.5 60 22,487 58,783 17,985,221 131 45,420

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.20     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
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 84.4 37.8 85.0 5 2,800 8,552 4,773,868 6 3,293
2 38.5 22.2 35.9 3 1,565 7,900 4,405,491 8 4,358
3 31.3 22.1 27.8 2 1,000 5,392 3,040,755 6 3,595
4 13.0 13.0 17.3 1 750 5,171 2,940,555 8 4,344
5 36.6 21.1 32.7 3 1,500 4,823 2,717,367 8 4,582
6-10 53.9 19.1 56.4 8 4,800 7,185 4,174,077 15 8,515
11-15 0.0 0.0 0.0 0 0 593 347,559 1 721
Total 42.2 9.0 42.2 22 12,415 39,615 22,399,672 52 29,408
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,090 659,621 0 173
5-14 182.7 182.7 146.6 1 500 1,217 750,739 1 341
15-24 0.0 0.0 0.0 0 0 1,034 572,446 1 382
25-34 28.4 20.1 25.0 2 1,000 10,980 6,198,397 7 3,994
35-44 73.1 23.1 72.0 10 5,600 14,813 8,370,019 14 7,776
45-54 38.2 14.4 40.0 7 4,115 8,449 4,709,045 18 10,288
55-64 19.7 14.0 21.3 2 1,200 1,909 1,068,819 10 5,645
65-74 0.0 0.0 0.0 0 0 125 70,587 1 808
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 42.2 9.0 42.2 22 12,415 39,615 22,399,672 52 29,408
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 39 27,097 0 21
20-29 0.0 0.0 0.0 0 0 127 85,664 0 85
30-39 0.0 0.0 0.0 0 0 47 32,731 0 40
40-49 587.6 587.6 475.0 1 500 71 44,330 0 105
50-59 0.0 0.0 0.0 0 0 194 130,819 1 820
60-69 31.9 31.9 62.6 1 1,456 185 136,248 3 2,325
70-79 65.9 38.1 57.9 3 2,248 105 88,664 5 3,885
80-89 16.1 16.1 20.7 1 1,032 60 49,108 6 4,988
90-99 167.5 96.7 174.3 3 2,781 8 7,444 2 1,595
100+ 0 0 0 0 0 0
Total 52.1 17.4 57.8 9 8,017 836 602,103 17 13,864
GRAND TOTAL 44.7 8.0 47.2 31 20,432 40,451 23,001,775 69 43,272

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.21     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
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 3,483 4,616,728 3 3,710
2 0.0 0.0 0.0 0 0 3,237 4,703,804 4 6,091
3 0.0 0.0 0.0 0 0 2,460 3,516,863 4 6,145
4 28.3 28.3 18.1 1 1,000 1,958 2,928,877 4 5,523
5 24.4 24.4 15.2 1 1,000 1,904 2,869,087 4 6,591
6-10 14.1 14.1 18.8 1 2,000 2,916 4,183,261 7 10,661
11-15 327.4 231.5 948.4 2 10,000 241 507,301 1 1,054
Total 19.4 8.7 35.2 5 14,000 16,199 23,325,920 26 39,774
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 375 708,009 0 165
5-14 0.0 0.0 0.0 0 0 453 946,973 0 434
15-24 0.0 0.0 0.0 0 0 267 441,053 0 330
25-34 50.0 50.0 40.1 1 1,000 3,168 3,841,435 2 2,495
35-44 16.9 16.9 24.9 1 2,000 6,210 8,364,005 6 8,036
45-54 19.9 14.1 62.9 2 10,000 4,437 6,865,894 10 15,887
55-64 16.1 16.1 9.8 1 1,000 1,186 1,942,821 6 10,156
65-74 0.0 0.0 0.0 0 0 104 215,730 1 2,270
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 19.4 8.7 35.2 5 14,000 16,199 23,325,920 26 39,774
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 18 37,628 0 30
20-29 0.0 0.0 0.0 0 0 55 110,587 0 109
30-39 0.0 0.0 0.0 0 0 16 19,277 0 23
40-49 0.0 0.0 0.0 0 0 13 18,492 0 51
50-59 0.0 0.0 0.0 0 0 42 97,393 0 629
60-69 0.0 0.0 0.0 0 0 58 104,976 1 1,729
70-79 0.0 0.0 0.0 0 0 41 64,836 2 2,906
80-89 41.1 41.1 41.1 1 2,109 23 47,401 2 5,128
90-99 0.0 0.0 0.0 0 0 2 3,610 0 718
100+ 0 0 0 0 0 0
Total 16.4 16.4 18.6 1 2,109 269 504,200 6 11,324
GRAND TOTAL 18.9 7.7 31.5 6 16,109 16,468 23,830,120 32 51,098

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.22     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
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 0 483 3,018 1 5
2 166.0 166.0 94.3 1 5 344 3,049 1 6
3 262.2 185.4 86.6 2 7 336 3,706 1 8
4 88.5 88.5 114.9 1 12 320 3,709 1 10
5 129.4 129.4 24.0 1 3 261 4,080 1 12
6-10 99.1 40.4 72.6 6 87 1,224 29,899 6 120
11-15 88.6 19.8 74.7 20 271 2,052 60,118 23 362
Total 95.1 17.1 73.5 31 385 5,019 107,580 33 523
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 47 2,294 0 1
5-14 0.0 0.0 0.0 0 0 275 10,473 0 3
15-24 0.0 0.0 0.0 0 0 614 15,007 0 9
25-34 0.0 0.0 52.8 0 17 916 21,453 1 31
35-44 55.1 39.0 37.6 2 36 1,061 24,408 4 96
45-54 77.5 29.3 73.8 7 141 1,256 23,984 9 191
55-64 142.7 39.6 99.3 13 117 624 7,973 9 118
65-74 93.1 32.9 92.5 8 61 215 1,872 9 66
75-89 121.4 121.4 155.8 1 13 11 116 1 9
90+ 0 0 0 0 0 0
Total 95.1 17.1 73.5 31 385 5,019 107,580 33 523
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 331 7,546 0 2
20-29 0.0 0.0 0.0 0 0 1,062 14,151 0 6
30-39 100.5 100.5 177.2 1 19 1,018 10,798 1 11
40-49 62.8 36.3 39.5 3 29 1,605 24,200 5 73
50-59 84.5 18.9 81.8 20 221 3,425 39,949 24 270
60-69 63.5 9.0 78.6 50 474 4,839 38,296 79 603
70-79 90.6 6.7 94.0 183 1,031 5,174 28,658 202 1,097
80-89 96.4 5.6 107.2 293 1,296 3,576 14,763 304 1,209
90-99 82.7 8.8 102.6 89 278 600 1,534 108 271
100+ 0.0 0.0 0.0 0 0 16 13 7 6
Total 87.6 3.5 94.4 639 3,347 21,646 179,907 730 3,547
GRAND TOTAL 87.9 3.4 91.7 670 3,732 26,665 287,488 762 4,070

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.23     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
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 2,736 82,977 5 119
2 114.2 40.4 79.1 8 130 2,716 78,735 7 164
3 81.0 30.6 93.4 7 194 2,930 83,848 9 208
4 89.5 29.8 65.7 9 155 2,897 81,347 10 236
5 70.1 24.8 80.1 8 203 2,990 78,981 11 253
6-10 94.3 9.9 91.4 91 1,996 19,507 513,064 96 2,185
11-15 86.7 5.7 81.4 235 4,732 37,533 925,206 271 5,812
Total 87.5 4.6 82.5 358 7,410 71,308 1,844,158 409 8,977
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,288 24,849 0 8
5-14 0.0 0.0 41.3 0 25 9,681 186,661 3 61
15-24 60.2 34.8 48.7 3 73 8,630 254,789 5 150
25-34 63.5 21.2 64.8 9 309 10,048 339,897 14 476
35-44 56.0 10.2 48.1 30 724 14,108 410,941 54 1,506
45-54 93.4 8.4 91.1 124 2,754 16,989 415,087 133 3,022
55-64 96.4 8.6 94.0 126 2,346 8,454 173,412 131 2,494
65-74 92.0 12.2 87.0 57 960 1,979 36,166 62 1,104
75-89 118.1 39.4 139.7 9 220 131 2,357 8 158
90+ 0 0 0 0 0 0
Total 87.5 4.6 82.5 358 7,410 71,308 1,844,158 409 8,977
Ultimate Experience By Attained Age
15-19 70.7 70.7 58.2 1 19 4,352 101,959 1 33
20-29 52.9 26.5 35.1 4 56 19,036 402,230 8 158
30-39 91.2 21.5 93.6 18 407 20,557 441,036 20 435
40-49 54.7 8.8 62.3 39 1,305 23,854 698,904 71 2,095
50-59 71.3 5.1 71.5 192 5,181 40,135 1,093,096 269 7,246
60-69 85.2 4.1 84.1 431 8,876 32,595 696,473 506 10,554
70-79 98.3 4.2 97.5 547 8,649 15,451 250,552 556 8,870
80-89 111.8 5.7 109.7 387 5,493 4,354 63,076 346 5,008
90-99 97.7 14.6 85.4 45 610 270 4,175 46 715
100+ 0 0 0 0 0 0
Total 91.2 2.2 87.1 1,664 30,596 160,605 3,751,500 1,824 35,114
GRAND TOTAL 90.5 2.0 86.2 2,022 38,007 231,913 5,595,658 2,233 44,091

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.24     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
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 44.7 44.7 35.6 1 50 2,321 145,952 2 140
2 99.8 57.6 83.5 3 160 2,108 132,986 3 192
3 0.0 0.0 21.2 0 50 2,271 143,540 4 235
4 52.4 37.0 56.4 2 138 2,171 136,748 4 245
5 67.6 39.1 88.9 3 242 2,199 133,268 4 272
6-10 85.9 15.7 84.0 30 1,851 11,888 739,561 35 2,204
11-15 77.5 9.9 76.4 61 3,616 22,483 1,302,409 79 4,736
Total 76.4 7.6 76.1 100 6,107 45,440 2,734,464 131 8,023
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,026 53,972 0 16
5-14 52.5 52.5 54.6 1 55 5,845 307,273 2 100
15-24 22.4 22.4 19.9 1 50 8,152 458,271 4 251
25-34 63.9 21.3 55.8 9 497 10,594 669,767 14 890
35-44 67.5 13.8 71.2 24 1,579 10,427 663,302 36 2,217
45-54 85.8 14.1 83.1 37 2,175 7,105 442,859 43 2,617
55-64 75.4 18.8 74.9 16 961 1,971 119,409 21 1,283
65-74 128.1 37.0 133.4 12 790 311 19,043 9 592
75-89 0.0 0.0 0.0 0 0 8 569 1 57
90+ 0 0 0 0 0 0
Total 76.4 7.6 76.1 100 6,107 45,440 2,734,464 131 8,023
Ultimate Experience By Attained Age
15-19 148.9 105.3 139.1 2 100 4,167 222,843 1 72
20-29 87.1 50.3 80.4 3 154 8,978 498,475 3 191
30-39 63.9 28.6 69.0 5 300 7,854 435,393 8 435
40-49 50.8 9.4 53.8 29 1,863 18,690 1,129,298 57 3,462
50-59 66.3 6.6 66.4 102 6,219 24,174 1,473,948 154 9,363
60-69 77.6 8.6 81.1 81 4,911 7,375 429,361 104 6,053
70-79 105.1 17.5 97.2 36 1,942 1,006 58,633 34 1,998
80-89 103.0 25.0 102.7 17 993 204 11,860 17 967
90-99 178.6 103.1 190.4 3 200 10 634 2 105
100+ 0 0 0 0 0 0
Total 73.1 4.4 73.7 278 16,682 72,459 4,260,446 380 22,647
GRAND TOTAL 74.0 3.8 74.3 378 22,789 117,899 6,994,910 511 30,670

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.25     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
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 18.6 18.6 26.2 1 200 6,207 956,541 5 765
2 75.7 30.9 67.7 6 750 6,307 936,040 8 1,108
3 82.6 31.2 64.9 7 775 5,981 880,695 8 1,194
4 44.7 22.3 52.7 4 655 5,660 826,690 9 1,243
5 51.5 23.0 41.1 5 550 5,486 779,224 10 1,339
6-10 75.2 10.0 75.8 56 7,669 29,011 3,998,593 74 10,123
11-15 75.1 9.8 72.2 59 7,272 22,266 2,764,621 79 10,074
Total 71.3 6.1 69.1 138 17,871 80,918 11,142,403 194 25,846
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 361 40,462 0 12
5-14 69.5 69.5 60.8 1 100 4,581 524,150 1 165
15-24 111.3 45.4 91.1 6 600 11,324 1,411,435 5 658
25-34 59.3 14.8 55.8 16 2,096 23,988 3,550,449 27 3,759
35-44 64.7 10.2 63.6 40 5,334 23,337 3,319,471 62 8,389
45-54 65.0 10.3 63.2 40 5,064 14,291 1,902,659 62 8,014
55-64 93.4 19.9 93.7 22 2,873 2,685 345,120 24 3,067
65-74 50.6 22.6 57.6 5 790 318 43,464 10 1,372
75-89 282.5 99.9 247.5 8 1,014 34 5,193 3 410
90+ 0 0 0 0 0 0
Total 71.3 6.1 69.1 138 17,871 80,918 11,142,403 194 25,846
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,078 125,126 0 40
20-29 0.0 0.0 0.0 0 0 2,470 291,946 1 115
30-39 0.0 0.0 0.0 0 0 3,939 441,266 4 453
40-49 44.2 11.4 45.9 15 1,892 11,205 1,358,895 34 4,123
50-59 46.7 8.0 54.6 34 4,845 11,652 1,424,048 73 8,878
60-69 96.1 15.8 92.4 37 4,282 2,722 326,732 39 4,634
70-79 66.6 22.2 59.2 9 1,016 376 47,431 14 1,715
80-89 131.0 30.9 133.7 18 2,356 164 21,104 14 1,763
90-99 92.4 65.3 86.1 2 220 13 1,556 2 256
100+ 0 0 0 0 0 0
Total 63.9 6.0 66.5 115 14,611 33,620 4,038,102 180 21,978
GRAND TOTAL 67.7 4.3 67.9 253 32,482 114,538 15,180,506 374 47,823

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.26     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
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 53.2 53.2 41.7 1 250 2,791 890,118 2 599
2 37.9 37.9 31.0 1 250 2,801 871,713 3 806
3 33.1 33.1 27.4 1 250 2,803 855,753 3 913
4 0.0 0.0 0.0 0 0 2,794 845,673 4 1,080
5 138.6 62.0 137.5 5 1,477 2,450 738,834 4 1,074
6-10 45.2 14.3 45.1 10 2,926 10,092 2,941,038 22 6,485
11-15 79.4 28.1 94.1 8 2,880 2,238 655,194 10 3,061
Total 55.4 10.9 57.3 26 8,033 25,969 7,798,323 47 14,018
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 18 5,144 0 2
5-14 712.3 712.3 983.4 1 377 454 123,931 0 38
15-24 126.5 126.5 112.0 1 250 2,109 599,951 1 223
25-34 26.5 18.7 22.0 2 500 9,862 3,029,743 8 2,278
35-44 39.8 15.0 38.6 7 2,001 9,188 2,749,417 18 5,189
45-54 60.2 21.3 67.9 8 2,650 3,772 1,114,495 13 3,901
55-64 92.0 46.0 80.9 4 1,100 492 151,250 4 1,360
65-74 94.0 66.5 120.0 2 855 65 21,842 2 713
75-89 91.6 91.6 95.7 1 300 9 2,550 1 314
90+ 0 0 0 0 0 0
Total 55.4 10.9 57.3 26 8,033 25,969 7,798,323 47 14,018
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 53 15,397 0 5
20-29 0.0 0.0 0.0 0 0 92 26,760 0 10
30-39 0.0 0.0 0.0 0 0 144 43,734 0 40
40-49 74.9 74.9 146.4 1 575 437 128,035 1 393
50-59 56.5 40.0 58.5 2 632 560 170,158 4 1,080
60-69 112.6 65.0 158.9 3 1,270 186 55,594 3 799
70-79 0.0 0.0 0.0 0 0 58 18,694 2 687
80-89 0.0 0.0 0.0 0 0 17 5,205 1 427
90-99 165.6 165.6 205.7 1 450 3 1,075 1 219
100+ 0 0 0 0 0 0
Total 58.8 22.2 80.0 7 2,927 1,551 464,653 12 3,659
GRAND TOTAL 56.1 9.8 62.0 33 10,960 27,520 8,262,975 59 17,677

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.27     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
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 1,134 665,363 1 422
2 0.0 0.0 0.0 0 0 1,066 604,476 1 500
3 0.0 0.0 0.0 0 0 1,013 580,770 1 586
4 0.0 0.0 0.0 0 0 848 480,212 1 633
5 100.0 100.0 85.9 1 500 717 406,285 1 582
6-10 36.5 25.8 32.1 2 1,000 2,255 1,246,022 5 3,113
11-15 76.5 54.1 67.1 2 1,000 463 266,681 3 1,491
Total 39.3 17.6 34.1 5 2,500 7,497 4,249,809 13 7,327
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 5 2,930 0 1
5-14 0.0 0.0 0.0 0 0 137 72,748 0 23
15-24 0.0 0.0 0.0 0 0 460 253,227 0 84
25-34 52.0 52.0 46.1 1 500 3,072 1,730,737 2 1,085
35-44 0.0 0.0 0.0 0 0 2,663 1,505,196 4 2,460
45-54 58.2 41.1 50.0 2 1,000 967 565,046 3 2,000
55-64 70.1 70.1 56.7 1 500 153 94,950 1 882
65-74 0.0 0.0 0.0 0 0 36 22,976 1 588
75-89 244.9 244.9 244.9 1 500 4 2,000 0 204
90+ 0 0 0 0 0 0
Total 39.3 17.6 34.1 5 2,500 7,497 4,249,809 13 7,327
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 14 7,242 0 2
20-29 0.0 0.0 0.0 0 0 19 11,610 0 5
30-39 0.0 0.0 0.0 0 0 38 22,521 0 22
40-49 522.6 522.6 570.6 1 617 60 33,829 0 108
50-59 155.0 155.0 138.3 1 500 99 55,915 1 362
60-69 114.2 114.2 97.8 1 500 59 34,213 1 511
70-79 128.5 128.5 169.8 1 800 19 11,500 1 471
80-89 189.9 134.2 159.2 2 1,000 14 8,454 1 628
90-99 0.0 0.0 0.0 0 0 2 1,026 0 181
100+ 0 0 0 0 0 0
Total 152.0 62.1 149.1 6 3,417 323 186,311 4 2,291
GRAND TOTAL 65.9 19.9 61.5 11 5,917 7,820 4,436,120 17 9,618

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.28     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
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 0 237 548,390 0 416
2 327.0 327.0 157.6 1 1,000 215 376,698 0 635
3 0.0 0.0 0.0 0 0 197 266,237 0 412
4 300.6 300.6 192.6 1 1,000 168 303,442 0 519
5 0.0 0.0 0.0 0 0 135 223,393 0 417
6-10 0.0 0.0 0.0 0 0 440 737,899 1 2,954
11-15 72.1 72.1 47.7 1 1,000 163 299,440 1 2,096
Total 71.3 41.2 40.3 3 3,000 1,554 2,755,498 4 7,448
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 2,480 0 1
5-14 0.0 0.0 0.0 0 0 23 30,335 0 9
15-24 0.0 0.0 0.0 0 0 70 150,820 0 54
25-34 0.0 0.0 0.0 0 0 463 794,108 0 561
35-44 89.4 89.4 57.4 1 1,000 606 1,021,253 1 1,744
45-54 0.0 0.0 0.0 0 0 285 537,077 1 2,142
55-64 102.9 102.9 56.3 1 1,000 79 177,642 1 1,778
65-74 184.5 184.5 151.6 1 1,000 21 28,883 1 659
75-89 0.0 0.0 0.0 0 0 4 12,900 0 500
90+ 0 0 0 0 0 0
Total 71.3 41.2 40.3 3 3,000 1,554 2,755,498 4 7,448
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 0 476 0 0
20-29 0.0 0.0 0.0 0 0 6 6,361 0 3
30-39 0.0 0.0 0.0 0 0 18 34,644 0 41
40-49 0.0 0.0 0.0 0 0 30 73,943 0 203
50-59 0.0 0.0 0.0 0 0 43 65,669 0 419
60-69 0.0 0.0 0.0 0 0 25 31,559 0 467
70-79 202.3 202.3 88.5 1 1,000 12 26,903 0 1,129
80-89 107.1 107.1 75.1 1 1,000 13 18,956 1 1,331
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 91.5 64.7 55.6 2 2,000 148 258,512 2 3,594
GRAND TOTAL 78.2 35.0 45.3 5 5,000 1,702 3,014,010 6 11,042

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.29     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
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 2,938 17,327 2 13
2 86.4 61.1 28.6 2 5 2,170 19,672 2 17
3 0.0 0.0 2.6 0 1 1,933 22,534 2 21
4 112.6 65.0 84.6 3 22 1,570 20,768 3 25
5 34.2 34.2 39.2 1 12 1,114 20,288 3 32
6-10 85.5 22.1 65.0 15 209 4,316 110,391 18 321
11-15 50.2 8.9 54.6 32 472 5,341 144,363 64 864
Total 56.6 7.8 55.6 53 720 19,380 355,342 94 1,294
Select Experience By Issue Age
0-4 0.0 0 0 0 325 0 0
5-14 0.0 0.0 0.0 0 0 20 3,702 0 1
15-24 0.0 0.0 0.0 0 0 2,254 49,543 1 16
25-34 0.0 0.0 30.9 0 15 4,011 85,116 2 48
35-44 25.2 25.2 77.5 1 82 3,910 79,208 4 105
45-54 31.0 15.5 50.8 4 144 4,411 80,242 13 284
55-64 41.0 13.0 46.3 10 164 3,149 41,482 24 354
65-74 78.0 14.0 59.3 31 229 1,457 14,185 40 386
75-89 67.2 25.4 87.3 7 87 167 1,538 10 99
90+ 0.0 0 0 0 1 0 0
Total 56.6 7.8 55.6 53 720 19,380 355,342 94 1,294
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 19 659 0 0
20-29 0.0 0.0 452.8 0 8 363 4,312 0 2
30-39 0.0 0.0 220.5 0 18 956 13,574 1 8
40-49 63.6 45.0 15.9 2 10 2,401 46,514 3 61
50-59 37.5 16.8 35.2 5 77 4,729 78,248 13 218
60-69 75.1 11.6 66.4 42 449 6,949 87,124 56 676
70-79 51.3 4.8 52.5 112 926 8,670 72,056 218 1,764
80-89 83.1 4.1 79.5 404 2,460 6,994 45,293 486 3,095
90-99 84.1 7.0 84.8 145 816 1,046 5,856 173 962
100+ 33.4 33.4 27.6 1 5 8 49 3 18
Total 74.6 2.8 70.1 711 4,768 32,135 353,685 953 6,804
GRAND TOTAL 73.0 2.6 67.8 764 5,488 51,515 709,027 1,047 8,098

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.30     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
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 43.2 17.6 39.0 6 141 11,532 391,986 14 361
2 51.9 16.4 76.8 10 378 10,899 364,279 19 492
3 45.6 13.7 55.1 11 337 11,081 376,887 24 611
4 55.6 14.3 62.2 15 420 10,477 353,499 27 676
5 56.1 12.9 46.2 19 371 10,596 340,282 34 804
6-10 61.4 4.5 61.7 190 4,570 62,133 2,021,709 309 7,409
11-15 60.8 2.7 60.1 517 11,426 93,901 2,841,981 850 19,016
Total 60.1 2.2 60.1 768 17,643 210,619 6,690,623 1,278 29,368
Select Experience By Issue Age
0-4 793.1 793.1 713.4 1 25 412 11,472 0 4
5-14 0.0 0.0 0.0 0 0 2,182 67,808 1 23
15-24 32.4 18.7 17.9 3 62 25,454 950,474 9 346
25-34 69.1 18.5 69.1 14 613 34,026 1,478,782 20 887
35-44 82.2 13.0 84.3 40 1,475 34,498 1,303,430 49 1,749
45-54 68.0 6.2 66.7 121 3,123 48,526 1,383,879 178 4,681
55-64 54.3 3.6 52.5 224 4,745 44,335 1,040,564 413 9,030
65-74 56.5 3.4 57.0 270 5,677 19,014 409,732 478 9,952
75-89 73.1 7.5 71.4 95 1,923 2,171 44,458 130 2,692
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 60.1 2.2 60.1 768 17,643 210,619 6,690,623 1,278 29,368
Ultimate Experience By Attained Age
15-19 81.9 81.9 85.2 1 29 3,727 102,489 1 34
20-29 82.5 36.9 73.3 5 109 15,422 381,222 6 149
30-39 121.5 28.6 119.4 18 504 24,497 687,809 15 422
40-49 56.7 9.2 49.3 38 1,185 53,090 1,898,309 67 2,404
50-59 63.9 5.4 59.6 140 4,241 78,780 2,596,427 219 7,113
60-69 59.3 3.0 57.4 382 9,255 83,241 2,140,907 644 16,116
70-79 52.4 2.0 51.4 710 13,289 57,289 1,119,069 1,356 25,862
80-89 66.1 1.9 63.0 1,274 19,966 28,805 476,418 1,928 31,698
90-99 83.2 4.4 83.1 360 6,141 2,739 46,753 433 7,386
100+ 38.8 27.4 42.8 2 48 9 190 5 111
Total 62.7 1.2 60.0 2,930 54,766 347,600 9,449,593 4,673 91,293
GRAND TOTAL 62.1 1.0 60.0 3,698 72,409 558,218 16,140,216 5,951 120,661

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.31     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
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 60.2 26.9 48.2 5 251 14,040 911,536 8 520
2 96.2 29.0 77.4 11 557 12,499 811,943 11 720
3 73.9 23.4 68.1 10 570 11,843 779,951 14 836
4 47.4 17.9 39.0 7 355 11,165 724,312 15 910
5 29.4 13.2 34.1 5 353 10,507 678,323 17 1,036
6-10 58.7 6.4 58.4 84 5,352 52,566 3,485,262 143 9,156
11-15 58.9 4.4 58.7 176 10,872 71,942 4,504,600 299 18,532
Total 58.8 3.4 57.7 298 18,310 184,563 11,895,928 507 31,711
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 173 10,405 0 3
5-14 0.0 0.0 0.0 0 0 2,512 140,293 1 47
15-24 86.3 30.5 71.5 8 400 25,822 1,576,741 9 559
25-34 53.8 14.4 57.1 14 1,014 45,573 3,087,954 26 1,775
35-44 52.5 9.6 47.6 30 1,782 44,073 2,945,877 57 3,747
45-54 63.5 7.4 65.4 74 4,684 40,288 2,549,458 116 7,161
55-64 57.4 6.5 54.3 77 4,393 19,879 1,201,246 134 8,091
65-74 54.3 6.6 55.7 68 4,417 5,684 348,748 125 7,927
75-89 70.9 13.7 67.7 27 1,619 558 35,132 38 2,390
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 58.8 3.4 57.7 298 18,310 184,563 11,895,928 507 31,711
Ultimate Experience By Attained Age
15-19 181.1 181.1 155.0 1 50 1,670 97,683 1 32
20-29 0.0 0.0 0.0 0 0 7,224 406,890 3 158
30-39 23.0 16.3 24.2 2 123 14,013 817,435 9 508
40-49 49.4 8.2 46.8 36 2,218 56,673 3,667,708 73 4,735
50-59 61.8 5.3 62.3 135 8,812 80,934 5,261,593 218 14,152
60-69 44.6 3.9 48.6 129 8,425 41,419 2,497,202 289 17,332
70-79 44.0 4.6 43.0 92 5,227 9,655 560,738 209 12,158
80-89 49.8 4.8 50.3 109 6,682 3,185 192,567 219 13,279
90-99 92.9 10.9 89.6 73 4,272 477 28,995 79 4,770
100+ 84.3 84.3 53.5 1 50 3 244 1 93
Total 52.5 2.2 53.3 578 35,858 215,252 13,531,055 1,101 67,218
GRAND TOTAL 54.5 1.8 54.8 876 54,168 399,815 25,426,983 1,608 98,929

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.32     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
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 45.5 14.4 48.9 10 1,606 46,231 7,389,541 22 3,283
2 45.2 11.7 41.5 15 2,015 47,318 7,400,336 33 4,853
3 40.5 10.5 41.6 15 2,253 44,602 7,004,530 37 5,416
4 43.5 10.6 52.9 17 2,976 41,599 6,430,879 39 5,621
5 63.0 11.9 61.5 28 3,919 39,892 6,114,358 44 6,377
6-10 51.3 3.9 52.4 177 25,419 195,993 28,938,623 345 48,536
11-15 59.0 3.6 60.0 266 36,230 150,265 20,162,409 451 60,377
Total 54.3 2.4 55.3 528 74,419 565,899 83,440,676 972 134,464
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 272 35,306 0 11
5-14 89.4 89.4 72.5 1 100 3,466 427,574 1 138
15-24 90.2 22.5 86.5 16 1,982 55,851 7,381,355 18 2,292
25-34 72.2 8.8 68.9 68 9,724 173,954 27,108,463 94 14,124
35-44 59.5 5.5 60.1 115 16,918 173,971 26,539,913 193 28,168
45-54 48.7 4.5 52.4 118 17,238 113,292 15,991,165 242 32,920
55-64 42.4 4.8 42.7 79 10,370 37,038 4,868,709 186 24,268
65-74 56.9 6.0 55.6 90 12,046 6,989 939,869 158 21,660
75-89 52.4 8.2 55.5 41 6,041 1,065 148,321 78 10,882
90+ 0 0 0 0 0 0
Total 54.3 2.4 55.3 528 74,419 565,899 83,440,676 972 134,464
Ultimate Experience By Attained Age
15-19 158.8 158.8 225.9 1 175 1,943 239,251 1 77
20-29 0.0 0.0 0.0 0 0 4,071 491,578 2 190
30-39 65.3 29.2 69.5 5 622 12,126 1,416,084 8 895
40-49 63.0 8.4 65.9 56 7,535 68,790 8,806,515 89 11,429
50-59 58.9 5.2 61.6 129 17,322 83,379 10,734,571 219 28,121
60-69 57.4 5.4 58.1 113 14,097 29,261 3,614,948 197 24,271
70-79 34.5 5.0 33.7 47 5,754 6,033 751,607 136 17,085
80-89 67.1 5.7 65.6 137 17,665 2,891 381,681 204 26,932
90-99 77.1 10.7 76.7 52 6,600 406 51,365 67 8,606
100+ 82.5 58.3 87.5 2 225 5 525 2 257
Total 58.6 2.5 59.4 542 69,995 208,905 26,488,125 925 117,864
GRAND TOTAL 56.4 1.7 57.2 1,070 144,414 774,805 109,928,800 1,896 252,328

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.33     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
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 9.3 9.3 16.7 1 600 28,177 9,665,981 11 3,592
2 31.3 14.0 26.0 5 1,350 29,142 9,731,621 16 5,187
3 38.7 14.6 34.6 7 1,982 29,086 9,486,314 18 5,727
4 65.7 18.2 63.3 13 3,959 28,362 9,051,288 20 6,250
5 82.4 19.4 83.8 18 5,700 26,067 8,230,916 22 6,804
6-10 52.4 6.0 48.7 77 21,588 115,374 34,664,325 147 44,312
11-15 69.7 8.8 70.4 63 19,372 30,325 9,094,434 90 27,518
Total 56.8 4.2 54.9 184 54,551 286,534 89,924,879 324 99,391
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 12,794 0 4
5-14 0.0 0.0 0.0 0 0 777 220,555 0 71
15-24 47.1 33.3 122.4 2 1,518 15,962 4,726,070 4 1,240
25-34 57.3 11.2 53.4 26 7,572 102,373 32,777,748 45 14,174
35-44 57.7 7.9 51.2 53 14,485 106,788 33,710,027 92 28,275
45-54 57.2 8.4 53.3 46 12,861 49,684 15,147,621 80 24,146
55-64 67.5 13.0 64.6 27 7,833 8,925 2,706,610 40 12,126
65-74 32.1 9.3 34.0 12 3,946 1,593 498,536 37 11,612
75-89 74.0 17.4 81.8 18 6,335 391 124,919 24 7,743
90+ 0 0 0 0 0 0
Total 56.8 4.2 54.9 184 54,551 286,534 89,924,879 324 99,391
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 297 87,909 0 28
20-29 395.4 395.4 462.0 1 334 643 184,427 0 72
30-39 0.0 0.0 0.0 0 0 1,210 345,364 1 208
40-49 54.4 27.2 48.3 4 1,064 5,613 1,680,251 7 2,204
50-59 33.5 12.7 36.0 7 2,272 7,908 2,392,274 21 6,321
60-69 43.2 14.4 47.3 9 2,962 3,077 925,453 21 6,262
70-79 63.2 17.5 60.5 13 3,879 880 273,189 21 6,411
80-89 41.1 11.0 42.1 14 4,499 488 152,957 34 10,685
90-99 124.5 33.3 111.6 14 3,930 72 22,588 11 3,521
100+ 253.0 253.0 253.0 1 250 1 250 0 99
Total 54.1 6.8 53.6 63 19,190 20,188 6,064,663 116 35,810
GRAND TOTAL 56.1 3.6 54.5 247 73,742 306,722 95,989,542 440 135,201

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.34     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
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 78.4 35.1 77.5 5 3,058 18,299 11,172,886 6 3,947
2 23.8 16.8 20.0 2 1,000 18,102 10,823,959 8 4,995
3 54.8 24.5 58.6 5 3,150 17,183 10,102,969 9 5,376
4 61.4 25.1 63.9 6 3,650 15,351 8,939,768 10 5,710
5 50.8 22.7 49.0 5 2,800 12,542 7,217,630 10 5,709
6-10 71.7 11.8 73.9 37 21,751 40,452 22,840,880 52 29,435
11-15 60.6 13.6 65.7 20 12,490 8,663 4,841,858 33 19,003
Total 62.4 7.0 64.6 80 47,898 130,591 75,939,949 128 74,174
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,610 0 1
5-14 0.0 0.0 0.0 0 0 192 109,154 0 35
15-24 0.0 0.0 0.0 0 0 5,294 2,933,630 1 715
25-34 42.8 15.1 50.8 8 5,427 49,965 28,930,534 19 10,687
35-44 81.3 14.6 77.4 31 17,012 52,974 31,042,248 38 21,988
45-54 51.5 13.8 50.0 14 7,825 18,196 10,586,118 27 15,651
55-64 61.6 20.5 70.8 9 6,000 3,047 1,782,791 15 8,480
65-74 43.2 16.3 51.1 7 4,953 710 433,200 16 9,700
75-89 85.8 27.1 87.0 10 5,824 203 116,806 12 6,691
90+ 380.7 380.7 380.7 1 858 1 858 0 225
Total 62.4 7.0 64.6 80 47,898 130,591 75,939,949 128 74,174
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 22 12,296 0 4
20-29 0.0 0.0 0.0 0 0 92 50,249 0 20
30-39 0.0 0.0 0.0 0 0 224 129,421 0 78
40-49 0.0 0.0 0.0 0 0 1,010 561,126 1 752
50-59 112.7 46.0 115.2 6 3,499 1,983 1,128,205 5 3,037
60-69 90.0 36.7 100.5 6 3,877 956 551,074 7 3,856
70-79 0.0 0.0 0.0 0 0 350 206,861 8 4,976
80-89 44.0 18.0 40.7 6 3,275 205 120,296 14 8,049
90-99 21.6 21.6 19.5 1 534 26 15,765 5 2,738
100+ 231.4 163.7 231.4 2 1,000 2 1,000 1 432
Total 51.2 11.2 50.9 21 12,185 4,870 2,776,293 41 23,942
GRAND TOTAL 59.7 5.9 61.2 101 60,083 135,461 78,716,243 169 98,116

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.35     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
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 5,925 8,860,212 3 4,590
2 29.0 29.0 15.5 1 1,000 5,613 8,637,404 3 6,458
3 32.0 32.0 20.0 1 1,000 4,679 6,649,058 3 4,996
4 28.3 28.3 16.4 1 1,000 4,141 6,168,770 4 6,099
5 0.0 0.0 0.0 0 0 3,230 4,786,190 4 7,019
6-10 22.4 11.2 20.5 4 6,000 9,315 13,207,091 18 29,232
11-15 64.7 20.5 63.2 10 17,880 2,636 4,322,504 15 28,295
Total 34.3 8.3 31.0 17 26,880 35,540 52,631,229 50 86,689
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 5 5,819 0 2
5-14 0.0 0.0 0.0 0 0 70 115,649 0 37
15-24 0.0 0.0 0.0 0 0 861 1,448,604 0 388
25-34 51.8 36.6 38.1 2 2,000 10,601 14,143,017 4 5,249
35-44 55.1 22.5 53.9 6 8,500 15,725 22,380,982 11 15,757
45-54 31.3 18.1 26.1 3 4,080 6,196 10,177,262 10 15,636
55-64 27.4 19.4 17.1 2 2,300 1,457 2,940,939 7 13,487
65-74 10.4 10.4 4.7 1 1,000 465 1,113,392 10 21,388
75-89 37.3 21.6 61.0 3 9,000 159 305,565 8 14,746
90+ 0 0 0 0 0 0
Total 34.3 8.3 31.0 17 26,880 35,540 52,631,229 50 86,689
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 4 4,755 0 2
20-29 0.0 0.0 0.0 0 0 21 22,622 0 9
30-39 0.0 0.0 0.0 0 0 100 160,046 0 97
40-49 241.7 241.7 403.6 1 3,000 315 577,319 0 743
50-59 0.0 0.0 0.0 0 0 619 998,598 2 2,785
60-69 71.2 50.3 96.1 2 4,000 397 582,888 3 4,164
70-79 40.7 28.8 35.4 2 3,250 195 354,432 5 9,176
80-89 30.7 17.7 17.3 3 3,000 142 252,188 10 17,339
90-99 117.5 83.1 66.9 2 3,000 10 28,600 2 4,487
100+ 0 0 0 0 0 0
Total 46.7 14.8 41.9 10 16,250 1,803 2,981,448 21 38,802
GRAND TOTAL 38.1 7.3 34.4 27 43,130 37,342 55,612,677 71 125,491

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.36     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
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 92.5 92.5 158.2 1 8 2,339 10,473 1 5
2 129.3 129.3 168.0 1 15 1,844 15,749 1 9
3 357.2 252.6 229.5 2 13 1,553 16,406 1 6
4 147.4 147.4 87.9 1 5 1,211 15,450 1 6
5 172.7 172.7 104.6 1 7 521 14,781 1 6
6-10 0.0 0.0 44.5 0 9 1,792 63,824 1 20
11-15 103.3 18.9 108.4 30 177 1,788 44,717 29 163
Total 108.3 18.0 108.9 36 234 11,047 181,400 33 215
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,381 106,729 2 20
5-14 0.0 0.0 0.0 0 0 3,426 57,596 1 14
15-24 0.0 0.0 0.0 0 0 550 9,755 0 3
25-34 0.0 0.0 0.0 0 0 1 856 0 0
35-44 0.0 0.0 95.6 0 1 11 773 0 1
45-54 390.0 390.0 205.3 1 8 36 960 0 4
55-64 202.1 67.4 201.5 9 63 219 2,046 4 31
65-74 94.8 24.5 108.8 15 99 324 2,100 16 91
75-89 109.2 32.9 125.8 11 64 99 583 10 51
90+ 137.6 0 0 0 1 0 0
Total 108.3 18.0 108.9 36 234 11,047 181,400 33 215
Ultimate Experience By Attained Age
15-19 0.0 0.0 260.0 0 13 1,001 16,239 0 5
20-29 80.0 56.6 127.7 2 31 6,179 61,159 3 24
30-39 81.9 19.9 69.5 17 84 27,137 160,977 21 121
40-49 75.5 9.6 79.5 62 364 45,090 247,172 82 457
50-59 74.7 4.8 77.0 240 1,445 78,147 463,442 321 1,878
60-69 72.2 2.6 69.7 775 3,740 107,692 545,975 1,074 5,362
70-79 74.8 1.7 78.3 1,931 8,180 93,011 382,860 2,583 10,449
80-89 80.1 1.2 80.6 4,643 16,426 78,155 276,158 5,793 20,375
90-99 71.8 1.4 79.1 2,584 8,473 19,779 60,332 3,599 10,716
100+ 14.2 1.1 21.3 161 400 1,739 3,144 1,131 1,877
Total 71.3 0.7 76.4 10,415 39,156 457,930 2,217,458 14,607 51,265
GRAND TOTAL 71.4 0.7 76.5 10,451 39,390 468,978 2,398,857 14,641 51,480

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.37     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
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
1 176.5 88.3 96.5 4 65 5,815 179,558 2 67
2 55.0 55.0 29.9 1 15 5,601 175,079 2 50
3 181.2 104.6 82.1 3 35 5,835 180,160 2 43
4 202.0 116.6 103.6 3 40 5,808 179,147 1 39
5 121.6 86.0 81.8 2 30 6,180 169,269 2 37
6-10 39.9 28.2 25.2 2 40 30,087 835,676 5 159
11-15 69.9 14.6 66.2 23 519 41,720 1,171,466 33 783
Total 81.2 13.2 63.2 38 744 101,047 2,890,354 47 1,178
Select Experience By Issue Age
0-4 48.7 19.9 51.3 6 184 68,652 1,940,983 12 358
5-14 60.5 30.3 52.7 4 100 27,512 786,111 7 190
15-24 0.0 0.0 0.0 0 0 3,308 121,690 1 41
25-34 0.0 0.0 0.0 0 0 148 6,686 0 5
35-44 204.3 204.3 79.2 1 15 238 9,094 0 19
45-54 292.0 119.2 173.8 6 85 381 9,968 2 49
55-64 99.7 35.2 74.1 8 120 446 8,750 8 162
65-74 36.5 18.2 32.6 4 85 297 6,004 11 261
75-89 177.8 59.3 167.4 9 155 63 1,068 5 93
90+ 0 0 0 0 0 0
Total 81.2 13.2 63.2 38 744 101,047 2,890,354 47 1,178
Ultimate Experience By Attained Age
15-19 57.1 25.5 31.7 5 82 27,742 821,705 9 259
20-29 91.5 17.0 87.5 29 719 82,055 2,142,569 32 822
30-39 61.7 12.1 44.5 26 403 60,377 1,296,523 42 907
40-49 74.8 9.1 64.5 68 1,973 48,652 1,601,164 91 3,061
50-59 69.6 4.3 64.4 266 7,753 96,012 3,070,808 382 12,044
60-69 73.0 3.4 66.6 453 10,130 66,747 1,674,319 620 15,211
70-79 66.8 3.1 66.4 462 8,559 26,790 507,930 691 12,897
80-89 73.5 3.3 70.2 495 8,353 9,771 171,781 674 11,893
90-99 79.2 6.2 83.0 163 3,021 1,194 21,001 206 3,642
100+ 35.8 14.6 36.6 6 145 30 658 17 395
Total 71.4 1.6 67.3 1,973 41,138 419,369 11,308,457 2,763 61,129
GRAND TOTAL 71.6 1.6 67.2 2,011 41,882 520,416 14,198,811 2,810 62,306

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.38     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
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 97.8 69.2 81.3 2 100 5,184 312,607 2 123
2 62.2 62.2 52.8 1 50 4,369 263,587 2 95
3 0.0 0.0 0.0 0 0 4,563 276,110 2 115
4 0.0 0.0 0.0 0 0 4,826 290,909 3 150
5 101.9 58.8 88.4 3 150 4,730 278,048 3 170
6-10 64.0 14.0 67.6 21 1,260 29,845 1,708,057 33 1,865
11-15 56.9 14.7 57.8 15 902 19,370 1,165,348 26 1,560
Total 59.7 9.2 60.4 42 2,462 72,886 4,294,666 70 4,078
Select Experience By Issue Age
0-4 49.0 28.3 63.1 3 231 33,043 1,942,907 6 366
5-14 95.5 55.1 78.2 3 150 14,510 879,268 3 192
15-24 45.9 45.9 60.6 1 75 6,274 356,073 2 124
25-34 91.9 46.0 92.6 4 245 6,490 383,733 4 265
35-44 43.9 22.0 49.9 4 275 5,762 343,870 9 551
45-54 41.4 15.6 39.0 7 379 4,553 262,243 17 972
55-64 74.2 22.4 72.0 11 600 1,760 98,996 15 834
65-74 79.9 26.6 79.3 9 507 450 25,040 11 639
75-89 0.0 0.0 0.0 0 0 44 2,537 2 137
90+ 0 0 0 0 0 0
Total 59.7 9.2 60.4 42 2,462 72,886 4,294,666 70 4,078
Ultimate Experience By Attained Age
15-19 50.5 50.5 31.2 1 50 6,345 509,787 2 160
20-29 85.7 35.0 70.7 6 367 18,366 1,365,328 7 520
30-39 43.3 25.0 33.2 3 152 9,968 659,356 7 456
40-49 79.3 28.0 69.2 8 718 5,455 543,430 10 1,037
50-59 57.1 13.8 61.9 17 1,742 7,688 747,051 30 2,813
60-69 63.6 12.0 56.0 28 1,682 4,793 331,846 44 3,005
70-79 27.3 9.7 30.0 8 589 1,172 77,909 29 1,961
80-89 90.0 16.7 90.6 29 2,044 456 31,635 32 2,256
90-99 140.3 30.6 134.2 21 1,313 90 5,772 15 978
100+ 0 0 0 0 0 0
Total 68.7 6.2 65.6 121 8,655 54,332 4,272,114 176 13,186
GRAND TOTAL 66.1 5.2 64.4 163 11,117 127,218 8,566,780 247 17,264

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.39     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
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 41.4 41.4 32.8 1 100 7,622 951,508 2 305
2 0.0 0.0 56.3 0 150 6,793 850,765 2 267
3 52.0 52.0 39.1 1 100 6,451 817,856 2 256
4 39.2 39.2 28.6 1 100 6,556 862,504 3 349
5 73.8 52.2 66.1 2 250 5,963 793,695 3 378
6-10 35.3 12.5 39.7 8 1,266 26,840 3,645,681 23 3,192
11-15 46.3 14.7 46.0 10 1,250 17,316 2,150,645 22 2,719
Total 41.1 8.6 43.1 23 3,216 77,541 10,072,655 56 7,465
Select Experience By Issue Age
0-4 68.3 34.2 63.7 4 450 29,405 3,552,146 6 706
5-14 27.0 27.0 35.7 1 166 18,957 2,365,477 4 466
15-24 0.0 0.0 0.0 0 0 6,903 876,298 2 312
25-34 13.0 13.0 17.8 1 200 10,347 1,550,518 8 1,123
35-44 71.6 23.9 80.2 9 1,450 7,541 1,128,935 13 1,808
45-54 17.9 12.7 23.4 2 350 3,401 474,809 11 1,499
55-64 48.3 27.9 39.5 3 300 777 98,633 6 759
65-74 21.2 21.2 17.0 1 100 186 22,705 5 587
75-89 134.0 94.7 97.5 2 200 24 3,134 1 205
90+ 0 0 0 0 0 0
Total 41.1 8.6 43.1 23 3,216 77,541 10,072,655 56 7,465
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,280 356,893 1 111
20-29 146.2 84.4 163.4 3 478 5,389 769,213 2 292
30-39 0.0 0.0 0.0 0 0 3,010 402,416 2 296
40-49 96.8 28.0 110.7 12 1,695 6,644 818,731 12 1,531
50-59 41.3 12.5 41.6 11 1,414 7,067 900,689 27 3,395
60-69 21.3 10.7 20.8 4 505 2,158 277,617 19 2,425
70-79 47.1 21.1 58.1 5 898 407 58,319 11 1,546
80-89 80.1 24.2 83.8 11 1,710 189 28,444 14 2,041
90-99 79.4 35.5 85.6 5 701 34 4,517 6 819
100+ 0.0 0.0 0.0 0 0 1 233 0 83
Total 54.4 7.6 59.0 51 7,401 27,180 3,617,072 94 12,539
GRAND TOTAL 49.4 5.7 53.1 74 10,617 104,722 13,689,726 150 20,005

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.40     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
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 31.9 22.5 28.2 2 500 12,498 3,544,615 6 1,773
2 23.2 16.4 22.5 2 550 11,891 3,393,231 9 2,441
3 31.9 22.5 27.7 2 500 8,160 2,381,294 6 1,803
4 19.6 19.6 20.2 1 300 6,320 1,873,597 5 1,485
5 42.2 29.8 43.2 2 600 5,237 1,565,264 5 1,389
6-10 38.5 19.3 44.7 4 1,420 9,267 2,886,501 10 3,176
11-15 0.0 0.0 55.5 0 250 1,435 451,340 1 451
Total 30.3 8.4 32.9 13 4,120 54,807 16,095,842 43 12,518
Select Experience By Issue Age
0-4 0.0 0.0 118.2 0 250 3,699 1,103,862 1 212
5-14 0.0 0.0 0.0 0 0 2,972 906,909 1 177
15-24 0.0 0.0 0.0 0 0 2,817 818,372 1 201
25-34 0.0 0.0 0.0 0 0 15,364 4,617,723 6 1,751
35-44 44.7 18.2 50.2 6 2,005 17,529 5,146,828 13 3,996
45-54 45.6 17.2 42.9 7 1,865 10,466 2,951,385 15 4,348
55-64 0.0 0.0 0.0 0 0 1,870 523,973 5 1,543
65-74 0.0 0.0 0.0 0 0 88 25,405 1 233
75-89 0.0 0.0 0.0 0 0 3 1,386 0 59
90+ 0 0 0 0 0 0
Total 30.3 8.4 32.9 13 4,120 54,807 16,095,842 43 12,518
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 250 99,330 0 31
20-29 0.0 0.0 0.0 0 0 438 171,086 0 66
30-39 0.0 0.0 0.0 0 0 152 54,981 0 38
40-49 323.7 323.7 242.0 1 250 162 54,176 0 103
50-59 0.0 0.0 0.0 0 0 241 81,751 1 323
60-69 112.7 112.7 136.4 1 450 104 37,974 1 330
70-79 194.1 137.3 127.5 2 500 33 12,743 1 392
80-89 191.2 110.4 140.5 3 788 21 7,438 2 561
90-99 210.6 121.6 195.9 3 1,259 7 3,404 1 642
100+ 0 0 0 0 0 0
Total 153.9 48.7 130.6 10 3,247 1,406 522,883 6 2,487
GRAND TOTAL 46.6 9.7 49.1 23 7,367 56,213 16,618,725 49 15,005

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.41     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
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 69.8 49.4 63.4 2 1,000 7,224 3,964,458 3 1,577
2 56.2 39.7 51.6 2 1,000 6,441 3,532,235 4 1,936
3 36.3 36.3 33.2 1 500 4,250 2,331,062 3 1,504
4 146.7 73.4 133.9 4 2,000 3,709 2,043,913 3 1,494
5 34.7 34.7 31.8 1 500 3,256 1,781,445 3 1,571
6-10 84.6 42.3 77.2 4 2,020 4,421 2,472,121 5 2,617
11-15 0.0 0.0 0.0 0 0 484 295,454 1 383
Total 69.2 18.5 63.3 14 7,020 29,785 16,420,688 20 11,083
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,102 686,962 0 135
5-14 421.7 421.7 330.4 1 500 1,183 748,850 0 151
15-24 0.0 0.0 0.0 0 0 1,198 659,488 0 154
25-34 104.9 52.4 96.1 4 2,000 10,956 5,972,233 4 2,082
35-44 90.0 34.0 82.4 7 3,500 10,820 5,900,869 8 4,247
45-54 33.7 23.8 31.7 2 1,020 4,038 2,181,691 6 3,214
55-64 0.0 0.0 0.0 0 0 455 251,184 2 902
65-74 0.0 0.0 0.0 0 0 33 18,681 0 181
75-89 0.0 0 0 0 730 0 16
90+ 0 0 0 0 0 0
Total 69.2 18.5 63.3 14 7,020 29,785 16,420,688 20 11,083
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 62 44,256 0 14
20-29 0.0 0.0 0.0 0 0 98 71,663 0 28
30-39 0.0 0.0 0.0 0 0 41 31,194 0 20
40-49 0.0 0.0 0.0 0 0 23 14,640 0 26
50-59 0.0 0.0 0.0 0 0 59 35,082 0 139
60-69 0.0 0.0 0.0 0 0 36 21,720 0 206
70-79 0.0 0.0 0.0 0 0 8 7,540 0 193
80-89 0.0 0.0 0.0 0 0 6 4,346 0 347
90-99 335.6 335.6 243.6 1 692 2 1,952 0 284
100+ 0 0 0 0 0 0
Total 60.7 60.7 55.0 1 692 335 232,395 2 1,257
GRAND TOTAL 68.6 17.7 62.5 15 7,712 30,120 16,653,083 22 12,340

Thomson Data Analysis Wed Feb 26 18:29:52 2014


TABLE 8.42     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
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 1,572 1,921,280 1 792
2 0.0 0.0 0.0 0 0 1,299 1,594,092 1 987
3 0.0 0.0 0.0 0 0 863 1,086,315 1 918
4 0.0 0.0 0.0 0 0 682 1,062,348 1 787
5 0.0 0.0 0.0 0 0 560 724,925 1 689
6-10 0.0 0.0 0.0 0 0 932 1,367,670 1 1,332
11-15 0.0 0.0 0.0 0 0 150 335,240 0 394
Total 0.0 0.0 0.0 0 0 6,058 8,091,871 4 5,899
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 395 787,833 0 146
5-14 0.0 0.0 0.0 0 0 435 1,096,104 0 239
15-24 0.0 0.0 0.0 0 0 191 297,286 0 78
25-34 0.0 0.0 0.0 0 0 1,707 1,894,520 1 633
35-44 0.0 0.0 0.0 0 0 2,241 2,600,150 2 1,920
45-54 0.0 0.0 0.0 0 0 943 1,216,309 1 1,822
55-64 0.0 0.0 0.0 0 0 132 169,213 1 773
65-74 0.0 0.0 0.0 0 0 13 29,205 0 238
75-89 0.0 0.0 0.0 0 0 1 1,250 0 50
90+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 6,058 8,091,871 4 5,899
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 18 41,359 0 14
20-29 0.0 0.0 0.0 0 0 46 102,630 0 39
30-39 0.0 0.0 0.0 0 0 28 50,057 0 35
40-49 0.0 0.0 0.0 0 0 5 13,706 0 31
50-59 0.0 0.0 0.0 0 0 9 25,157 0 103
60-69 0.0 0.0 0.0 0 0 9 16,090 0 135
70-79 0.0 0.0 0.0 0 0 6 12,782 0 315
80-89 0.0 0.0 0.0 0 0 3 5,444 0 388
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 124 267,225 1 1,059
GRAND TOTAL 0.0 0.0 0.0 0 0 6,182 8,359,095 5 6,958

Thomson Data Analysis Wed Feb 26 18:29:52 2014