CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
Index of Tables
TABLE 1 TOTAL EXPERIENCE
TABLE 2.1 TOTAL EXPERIENCE -- MALES
TABLE 2.2 TOTAL EXPERIENCE -- FEMALES
TABLE 3.1 TOTAL EXPERIENCE -- MALES, MEDICAL UNDERWRITING
TABLE 3.2 TOTAL EXPERIENCE -- MALES, NON-MEDICAL UNDERWRITING
TABLE 3.3 TOTAL EXPERIENCE -- MALES, PARAMEDICAL UNDERWRITING
TABLE 3.4 TOTAL EXPERIENCE -- MALES, UNKNOWN UNDERWRITING
TABLE 3.5 TOTAL EXPERIENCE -- FEMALES, MEDICAL UNDERWRITING
TABLE 3.6 TOTAL EXPERIENCE -- FEMALES, NON-MEDICAL UNDERWRITING
TABLE 3.7 TOTAL EXPERIENCE -- FEMALES, PARAMEDICAL UNDERWRITING
TABLE 3.8 TOTAL EXPERIENCE -- FEMALES, UNKNOWN UNDERWRITING
TABLE 8.1 TOTAL EXPERIENCE -- MALE SMOKERS
TABLE 8.2 TOTAL EXPERIENCE -- MALE NON-SMOKERS
TABLE 8.3 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
TABLE 8.4 TOTAL EXPERIENCE -- FEMALE SMOKERS
TABLE 8.5 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
TABLE 8.6 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
TABLE 9.1 TOTAL EXPERIENCE -- WHOLE LIFE
TABLE 9.2 TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
TABLE 9.3 TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
TABLE 9.4 TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
TABLE 9.5 TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
TABLE 9.6 TOTAL EXPERIENCE -- TERM TO 100
TABLE 10.1 TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.2 TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.3 TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.4 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.6 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.7 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.8 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.9 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.10 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.11 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.12 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A



TABLE 1     TOTAL EXPERIENCE
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 49.8 4.4 37.5 129 29,687 377,951 128,178,013 259 79,101
2 56.4 4.0 39.0 199 42,192 366,628 124,595,294 353 108,225
3 56.8 3.8 44.4 221 49,249 340,284 108,473,952 389 110,841
4 56.8 3.7 44.0 241 53,294 319,173 101,042,659 424 121,062
5 56.4 3.5 38.7 263 47,661 292,875 86,542,954 466 123,132
6-10 58.9 1.3 50.1 2,050 369,637 1,352,487 326,280,630 3,482 737,293
11-15 60.2 1.1 59.1 3,254 358,326 1,055,872 139,636,675 5,405 605,958
Total 59.0 0.7 50.4 6,357 950,046 4,105,270 1,014,750,178 10,779 1,885,612
Select Experience By Issue Age
0-4 50.1 8.4 49.0 36 2,352 296,325 20,273,209 72 4,805
5-14 51.4 7.7 58.2 45 4,268 202,222 18,280,023 88 7,329
15-24 65.9 5.5 59.4 141 16,655 353,003 50,171,573 214 28,048
25-34 52.6 2.6 44.9 403 85,205 996,707 280,822,108 766 189,723
35-44 60.4 1.8 52.2 1,065 240,351 1,125,163 373,389,141 1,764 460,528
45-54 57.9 1.5 48.3 1,583 267,780 757,986 206,975,236 2,733 554,097
55-64 57.0 1.5 44.5 1,543 164,865 294,318 54,842,978 2,707 370,831
65-74 61.2 1.8 58.7 1,199 115,813 72,336 8,774,737 1,958 197,295
75-89 71.7 3.9 71.4 341 51,898 7,205 1,219,945 475 72,655
90+ 81.6 81.6 284.3 1 859 6 1,228 1 302
Total 59.0 0.7 50.4 6,357 950,046 4,105,270 1,014,750,178 10,779 1,885,612
Ultimate Experience By Attained Age
15-19 59.3 9.7 50.9 37 1,578 112,352 5,682,427 62 3,101
20-29 69.7 5.3 63.4 171 6,587 352,121 15,057,690 245 10,388
30-39 68.2 4.1 50.3 273 8,109 390,352 15,883,247 400 16,127
40-49 64.8 2.1 56.4 949 59,982 713,368 52,998,404 1,465 106,339
50-59 61.1 1.0 53.9 3,628 230,351 1,171,332 90,451,211 5,942 427,392
60-69 59.8 0.7 56.5 7,889 360,175 968,152 50,918,191 13,187 637,760
70-79 61.5 0.5 51.7 13,355 326,344 576,874 17,434,248 21,703 630,995
80-89 74.4 0.5 60.5 22,162 374,258 329,422 6,920,288 29,774 618,794
90-99 74.4 0.8 79.1 8,112 106,754 54,622 704,207 10,908 134,891
100+ 9.3 0.5 45.6 336 3,490 5,176 13,584 3,595 7,663
Total 65.2 0.3 57.0 56,912 1,477,627 4,673,769 256,063,497 87,283 2,593,451
GRAND TOTAL 64.5 0.3 54.2 63,269 2,427,673 8,779,040 1,270,813,675 98,062 4,479,063

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 2.1     TOTAL EXPERIENCE -- MALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 54.4 5.8 39.1 87 21,759 192,647 75,591,685 160 55,687
2 58.0 5.2 41.7 126 31,810 187,094 73,977,645 217 76,308
3 60.8 5.0 47.1 146 37,532 172,671 64,147,958 240 79,656
4 57.8 4.7 41.7 152 36,507 162,538 60,347,686 263 87,493
5 53.6 4.3 34.4 153 29,994 148,242 51,463,476 286 87,162
6-10 57.8 1.6 49.7 1,232 263,205 694,736 197,826,746 2,133 529,348
11-15 56.4 1.4 56.7 1,706 225,715 523,339 81,836,645 3,025 398,269
Total 57.0 0.9 49.2 3,602 646,522 2,081,267 605,191,841 6,324 1,313,922
Select Experience By Issue Age
0-4 50.5 10.8 43.3 22 1,213 149,987 9,938,925 44 2,798
5-14 51.0 9.0 52.3 32 2,695 103,011 9,099,402 63 5,150
15-24 67.4 6.7 57.8 100 11,645 168,904 24,822,692 148 20,149
25-34 48.1 3.2 41.0 225 52,477 472,248 148,648,072 468 127,840
35-44 59.9 2.3 49.7 658 162,176 587,692 230,562,951 1,098 326,596
45-54 54.9 1.8 47.7 960 200,334 408,910 138,960,918 1,749 419,824
55-64 54.4 1.8 42.7 901 119,080 156,367 38,038,087 1,655 279,009
65-74 63.3 2.6 72.9 606 78,299 32,090 4,713,691 957 107,346
75-89 69.1 7.0 74.0 98 18,603 2,055 406,834 142 25,150
90+ 0.0 0.0 2.1 0 1 3 269 1 62
Total 57.0 0.9 49.2 3,602 646,522 2,081,267 605,191,841 6,324 1,313,922
Ultimate Experience By Attained Age
15-19 55.8 11.2 48.7 25 1,059 56,976 2,767,228 45 2,174
20-29 66.1 6.1 57.7 118 4,331 180,051 7,581,208 179 7,510
30-39 67.8 5.1 51.7 178 5,476 202,944 8,228,619 263 10,602
40-49 66.7 2.8 50.1 573 33,689 363,563 29,020,541 860 67,310
50-59 58.6 1.2 51.7 2,321 164,177 643,689 57,614,531 3,960 317,334
60-69 56.3 0.8 54.4 5,342 280,290 573,513 36,000,826 9,481 514,788
70-79 58.8 0.6 51.2 9,194 260,857 350,278 12,593,842 15,625 509,841
80-89 72.7 0.6 60.0 14,316 275,251 189,770 4,630,221 19,681 458,522
90-99 73.9 1.1 76.9 4,548 64,246 27,842 397,307 6,153 83,595
100+ 6.6 0.5 31.9 160 1,368 3,362 7,278 2,426 4,291
Total 62.7 0.3 55.2 36,775 1,090,745 2,591,988 158,841,601 58,671 1,975,967
GRAND TOTAL 62.1 0.3 52.8 40,377 1,737,267 4,673,256 764,033,442 64,995 3,289,890

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 2.2     TOTAL EXPERIENCE -- FEMALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 42.3 6.5 33.9 42 7,929 185,305 52,586,328 99 23,415
2 53.8 6.3 32.5 73 10,381 179,534 50,617,649 136 31,917
3 50.3 5.8 37.6 75 11,717 167,613 44,325,994 149 31,186
4 55.2 5.9 50.0 89 16,787 156,634 40,694,973 161 33,569
5 60.9 5.8 49.1 110 17,667 144,633 35,079,479 181 35,970
6-10 60.6 2.1 51.2 818 106,432 657,750 128,453,884 1,350 207,945
11-15 65.0 1.7 63.9 1,548 132,611 532,533 57,800,030 2,380 207,689
Total 61.8 1.2 53.1 2,755 303,524 2,024,003 409,558,337 4,456 571,690
Select Experience By Issue Age
0-4 49.6 13.3 56.8 14 1,140 146,338 10,334,285 28 2,007
5-14 52.3 14.5 72.2 13 1,573 99,212 9,180,621 25 2,179
15-24 62.4 9.7 63.4 41 5,010 184,099 25,348,880 66 7,899
25-34 59.7 4.5 52.9 178 32,728 524,458 132,174,036 298 61,883
35-44 61.1 3.0 58.4 407 78,175 537,471 142,826,189 667 133,931
45-54 63.3 2.5 50.2 623 67,446 349,076 68,014,319 984 134,273
55-64 61.0 2.4 49.9 642 45,785 137,951 16,804,890 1,052 91,822
65-74 59.2 2.4 41.7 593 37,514 40,246 4,061,046 1,002 89,949
75-89 72.8 4.7 70.1 243 33,295 5,150 813,111 334 47,506
90+ 174.0 174.0 356.5 1 858 3 959 1 241
Total 61.8 1.2 53.1 2,755 303,524 2,024,003 409,558,337 4,456 571,690
Ultimate Experience By Attained Age
15-19 68.1 19.7 55.9 12 518 55,375 2,915,199 18 927
20-29 79.4 10.9 78.4 53 2,256 172,070 7,476,482 67 2,878
30-39 69.0 7.1 47.6 95 2,632 187,407 7,654,628 138 5,525
40-49 62.1 3.2 67.4 376 26,293 349,804 23,977,864 606 39,030
50-59 65.9 1.8 60.1 1,307 66,173 527,643 32,836,680 1,983 110,059
60-69 68.7 1.4 65.0 2,547 79,885 394,639 14,917,365 3,707 122,972
70-79 68.5 1.1 54.1 4,161 65,488 226,596 4,840,406 6,078 121,154
80-89 77.7 0.9 61.8 7,846 99,007 139,653 2,290,067 10,093 160,272
90-99 75.0 1.3 82.9 3,564 42,508 26,779 306,900 4,755 51,297
100+ 15.1 1.1 63.0 176 2,122 1,814 6,306 1,169 3,371
Total 70.4 0.5 62.7 20,137 386,882 2,081,781 97,221,896 28,612 617,484
GRAND TOTAL 69.2 0.5 58.1 22,892 690,407 4,105,784 506,780,233 33,068 1,189,174

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.1     TOTAL EXPERIENCE -- MALES, MEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 58.3 13.7 46.9 18 6,636 29,893 17,328,996 31 14,140
2 72.9 12.9 52.8 32 12,142 31,637 20,544,624 44 23,015
3 49.4 9.5 44.8 27 11,740 31,396 19,338,410 55 26,192
4 47.9 9.0 28.3 28 8,726 30,124 19,095,586 58 30,842
5 39.9 8.5 27.0 22 7,673 23,618 14,315,600 55 28,419
6-10 54.0 3.1 56.5 303 113,174 137,882 63,166,112 561 200,235
11-15 51.4 2.6 52.5 380 76,120 93,754 22,862,526 740 145,110
Total 52.5 1.8 50.5 810 236,211 378,304 176,651,856 1,544 467,954
Select Experience By Issue Age
0-4 43.4 43.4 44.3 1 100 7,202 759,074 2 226
5-14 107.9 48.2 134.3 5 735 6,374 824,489 5 547
15-24 78.2 23.6 90.7 11 2,593 15,294 3,435,268 14 2,859
25-34 55.7 8.3 54.0 45 17,501 81,919 37,898,628 81 32,390
35-44 51.9 4.8 44.0 119 44,237 126,327 71,287,212 229 100,611
45-54 55.2 3.9 44.3 205 61,947 89,484 44,636,835 371 139,871
55-64 47.6 3.3 43.1 209 52,546 39,218 15,162,131 439 121,804
65-74 53.2 3.9 80.8 189 46,399 11,691 2,447,318 355 57,447
75-89 55.1 10.8 83.7 26 10,153 792 200,635 47 12,138
90-120 0.0 0.0 0.0 0 0 3 265 1 61
Total 52.5 1.8 50.5 810 236,211 378,304 176,651,856 1,544 467,954

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.2     TOTAL EXPERIENCE -- MALES, NON-MEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 53.4 11.9 51.2 20 3,945 62,213 13,669,223 37 7,700
2 65.2 13.6 49.4 23 2,385 43,962 6,468,192 35 4,826
3 61.6 14.1 74.7 19 2,286 35,372 3,776,480 31 3,058
4 86.5 14.6 49.3 35 2,168 37,972 4,667,957 40 4,397
5 85.6 12.8 67.7 45 4,561 40,523 5,551,080 53 6,740
6-10 75.1 4.1 56.5 328 31,525 203,007 27,692,432 437 55,825
11-15 62.1 2.6 62.9 561 58,357 216,927 24,151,426 904 92,795
Total 67.1 2.1 60.0 1,031 105,226 639,975 85,976,789 1,537 175,341
Select Experience By Issue Age
0-4 45.0 13.6 40.7 11 662 85,496 5,931,294 24 1,630
5-14 49.2 11.3 48.5 19 1,496 64,006 5,462,502 39 3,083
15-24 79.7 10.2 74.3 61 5,484 85,487 8,627,173 77 7,377
25-34 58.2 5.9 53.3 96 13,545 151,232 25,340,928 165 25,430
35-44 73.0 4.5 62.2 258 32,724 156,424 28,042,726 354 52,590
45-54 67.8 4.1 58.5 269 25,506 75,558 10,534,025 397 43,603
55-64 64.5 5.0 46.2 164 9,747 16,367 1,603,570 254 21,101
65-74 68.9 6.0 89.3 130 14,011 4,936 381,190 189 15,683
75-89 58.4 12.2 42.3 23 2,049 470 53,379 39 4,843
90-120 186.9 0 1 0 4 0 1
Total 67.1 2.1 60.0 1,031 105,226 639,975 85,976,789 1,537 175,341

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.3     TOTAL EXPERIENCE -- MALES, PARAMEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 36.6 8.9 26.1 17 4,623 46,121 22,785,335 47 17,744
2 54.9 8.3 40.2 44 10,888 59,538 25,503,380 80 27,059
3 70.2 9.1 46.2 60 12,369 54,235 21,837,181 85 26,767
4 58.9 8.1 48.9 53 13,102 47,259 18,766,664 90 26,791
5 46.2 6.6 39.4 49 11,930 44,673 18,089,363 106 30,314
6-10 52.4 3.0 41.6 304 56,324 169,928 55,703,667 580 135,490
11-15 52.0 3.2 65.2 268 40,630 66,795 14,318,384 516 62,360
Total 52.9 1.9 45.9 795 149,866 488,549 177,003,974 1,504 326,525
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 995 256,692 0 63
5-14 79.0 79.0 74.3 1 250 1,870 508,814 1 336
15-24 42.2 14.9 41.0 8 1,993 23,583 6,426,087 19 4,862
25-34 30.3 5.5 26.5 30 9,559 115,680 45,547,637 99 36,031
35-44 54.4 4.9 48.3 121 41,215 149,313 67,508,173 222 85,254
45-54 46.9 3.1 47.0 234 59,112 132,026 45,105,738 499 125,727
55-64 57.2 3.4 45.3 291 29,286 58,150 11,014,058 509 64,655
65-74 67.6 7.0 93.7 94 8,158 6,678 620,571 139 8,705
75-89 105.9 26.5 32.8 16 292 253 16,203 15 891
90-120 0 0 0 0 0 0
Total 52.9 1.9 45.9 795 149,866 488,549 177,003,974 1,504 326,525

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.4     TOTAL EXPERIENCE -- MALES, UNKNOWN UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 71.0 12.6 40.7 32 6,555 54,420 21,808,130 45 16,103
2 46.5 8.9 29.9 27 6,395 51,957 21,461,449 58 21,407
3 57.8 9.1 47.1 40 11,137 51,668 19,195,887 69 23,638
4 48.7 8.1 49.1 36 12,511 47,184 17,817,479 74 25,463
5 51.6 8.5 26.9 37 5,830 39,429 13,507,433 72 21,689
6-10 53.6 3.1 45.1 297 62,183 183,918 51,264,535 554 137,798
11-15 57.4 2.6 51.6 497 50,608 145,864 20,504,309 866 98,005
Total 55.6 1.8 45.1 966 155,219 574,439 165,559,222 1,738 344,103
Select Experience By Issue Age
0-4 60.2 19.0 51.2 10 450 56,294 2,991,864 17 879
5-14 38.3 14.5 18.0 7 213 30,761 2,303,596 18 1,184
15-24 51.6 11.5 31.2 20 1,575 44,539 6,334,165 39 5,050
25-34 43.8 6.0 34.9 54 11,872 123,417 39,860,880 123 33,989
35-44 54.7 4.3 49.9 160 44,000 155,628 63,724,839 293 88,141
45-54 52.3 3.3 48.6 252 53,770 111,842 38,684,320 482 110,623
55-64 52.3 3.4 38.5 237 27,500 42,632 10,258,328 453 71,449
65-74 70.5 5.1 38.1 193 9,730 8,786 1,264,613 274 25,511
75-89 82.2 14.3 83.9 33 6,108 540 136,618 40 7,278
90-120 0 0 0 0 0 0
Total 55.6 1.8 45.1 966 155,219 574,439 165,559,222 1,738 344,103

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.5     TOTAL EXPERIENCE -- FEMALES, MEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 54.4 15.7 58.0 12 3,753 27,903 10,984,243 22 6,472
2 46.5 13.4 15.3 12 1,343 26,879 11,962,960 26 8,791
3 44.7 11.9 20.2 14 1,768 26,463 10,955,384 31 8,749
4 37.4 10.8 32.0 12 3,135 24,659 10,205,564 32 9,800
5 48.3 12.9 28.1 14 3,064 19,399 7,878,738 29 10,923
6-10 59.0 4.3 49.6 187 33,987 115,228 33,432,457 317 68,496
11-15 66.4 3.4 71.9 386 54,554 88,008 13,609,308 582 75,901
Total 61.3 2.4 53.7 637 101,604 328,540 99,028,654 1,039 189,133
Select Experience By Issue Age
0-4 219.3 126.6 298.6 3 467 7,180 806,548 1 156
5-14 163.4 94.4 395.3 3 902 6,431 881,984 2 228
15-24 78.4 35.1 75.3 5 800 17,121 3,387,284 6 1,062
25-34 76.2 12.4 64.3 38 9,095 87,654 30,599,756 50 14,155
35-44 57.3 6.8 52.5 70 17,883 102,196 37,083,056 122 34,038
45-54 61.6 6.0 52.5 106 19,268 65,813 18,378,307 172 36,733
55-64 53.9 4.9 52.5 120 17,442 26,760 5,471,993 223 33,191
65-74 59.9 4.2 35.7 208 16,246 13,465 1,978,905 347 45,568
75-89 72.2 7.9 78.5 83 18,643 1,918 439,864 115 23,760
90-120 174.0 174.0 356.8 1 858 3 958 1 240
Total 61.3 2.4 53.7 637 101,604 328,540 99,028,654 1,039 189,133

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.6     TOTAL EXPERIENCE -- FEMALES, NON-MEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 39.9 12.6 32.5 10 1,516 68,305 13,687,468 25 4,657
2 59.9 15.0 37.0 16 1,231 50,543 7,071,277 27 3,326
3 57.3 15.3 45.4 14 998 41,857 4,437,154 24 2,201
4 63.0 14.1 45.7 20 1,507 44,541 5,442,094 32 3,295
5 66.6 12.8 55.0 27 2,467 47,131 6,087,994 41 4,484
6-10 61.8 4.2 50.7 213 18,053 225,184 27,204,643 345 35,626
11-15 68.0 3.1 59.7 476 31,542 236,247 20,666,730 700 52,852
Total 65.0 2.3 53.8 776 57,314 713,809 84,597,359 1,193 106,441
Select Experience By Issue Age
0-4 37.5 15.3 34.6 6 405 84,748 6,210,175 16 1,171
5-14 39.0 15.9 36.6 6 471 61,926 5,457,803 15 1,287
15-24 68.2 13.9 69.7 24 2,211 95,146 9,368,335 35 3,175
25-34 61.6 7.2 53.6 73 8,307 184,487 27,467,771 119 15,500
35-44 61.6 4.9 58.8 155 17,197 174,714 25,627,819 252 29,269
45-54 75.0 5.2 56.3 206 11,629 85,585 8,701,659 275 20,644
55-64 64.1 5.9 37.6 117 3,780 18,888 1,175,564 183 10,050
65-74 59.5 5.5 47.2 119 6,172 6,961 426,769 200 13,064
75-89 70.5 8.4 58.2 70 7,142 1,354 161,462 99 12,280
90-120 44.1 0 0 0 1 0 0
Total 65.0 2.3 53.8 776 57,314 713,809 84,597,359 1,193 106,441

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.7     TOTAL EXPERIENCE -- FEMALES, PARAMEDICAL UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 35.2 11.7 19.6 9 1,238 38,689 13,627,482 26 6,310
2 46.6 9.7 36.9 23 4,245 55,223 17,919,485 49 11,518
3 41.5 8.9 25.8 22 2,930 51,739 16,005,190 53 11,368
4 71.1 11.4 76.1 39 8,476 44,570 13,563,680 55 11,132
5 62.5 9.6 58.9 42 7,297 41,574 12,687,300 67 12,390
6-10 63.7 4.3 58.7 220 30,332 151,600 36,645,124 345 51,643
11-15 59.9 4.0 53.0 220 13,866 61,562 8,899,102 367 26,156
Total 59.7 2.5 52.4 575 68,384 444,956 119,347,363 963 130,517
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 939 224,116 0 40
5-14 213.9 213.9 100.3 1 125 1,760 465,668 0 125
15-24 74.3 30.3 62.9 6 1,150 26,544 6,653,074 8 1,828
25-34 40.4 8.4 38.3 23 6,430 124,862 40,615,428 57 16,791
35-44 68.5 7.6 66.7 82 24,027 122,414 42,170,425 120 36,015
45-54 51.3 4.4 44.1 137 18,922 104,718 22,959,601 267 42,898
55-64 62.5 4.2 53.2 218 12,903 55,005 5,711,763 349 24,237
65-74 65.3 7.0 50.6 86 3,287 8,119 504,428 132 6,496
75-89 73.8 15.7 73.8 22 1,541 595 42,859 30 2,087
90-120 0 0 0 0 0 0
Total 59.7 2.5 52.4 575 68,384 444,956 119,347,363 963 130,517

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 3.8     TOTAL EXPERIENCE -- FEMALES, UNKNOWN UNDERWRITING
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 41.5 12.5 23.8 11 1,422 50,408 14,287,135 27 5,975
2 65.3 13.9 43.0 22 3,562 46,889 13,663,927 34 8,282
3 61.8 12.4 67.9 25 6,021 47,555 12,928,266 40 8,868
4 42.4 10.0 39.3 18 3,669 42,864 11,483,635 42 9,342
5 61.5 11.8 59.2 27 4,839 36,529 8,425,447 44 8,173
6-10 57.8 4.1 46.1 198 24,059 165,738 31,171,661 342 52,179
11-15 63.7 3.0 61.9 466 32,650 146,715 14,624,890 731 52,780
Total 60.8 2.2 52.4 767 76,222 536,698 106,584,961 1,261 145,599
Select Experience By Issue Age
0-4 46.8 20.9 41.9 5 268 53,470 3,093,445 11 639
5-14 41.9 24.2 13.9 3 75 29,094 2,375,166 7 538
15-24 37.3 15.2 46.3 6 848 45,287 5,940,187 16 1,833
25-34 60.3 9.1 57.6 44 8,896 127,455 33,491,081 73 15,436
35-44 57.8 5.8 55.1 100 19,068 138,148 37,944,889 173 34,610
45-54 64.3 4.9 51.8 174 17,627 92,961 17,974,752 271 33,998
55-64 62.8 4.6 47.9 187 11,661 37,298 4,445,571 298 24,343
65-74 55.7 4.2 47.6 180 11,810 11,701 1,150,944 323 24,822
75-89 75.9 9.2 63.6 68 5,968 1,283 168,926 90 9,378
90-120 0 0 0 0 0 0
Total 60.8 2.2 52.4 767 76,222 536,698 106,584,961 1,261 145,599

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 70.1 14.6 25.6 23 1,864 23,749 6,606,739 33 7,284
2 50.5 10.8 50.2 22 4,829 22,239 6,304,586 44 9,624
3 66.5 11.6 41.6 33 4,072 21,375 5,418,092 50 9,787
4 73.4 11.6 61.0 40 6,965 20,184 5,265,971 54 11,415
5 70.1 10.8 56.8 42 6,352 18,573 4,331,562 60 11,182
6-10 68.2 3.7 51.3 331 41,093 96,296 19,077,731 486 80,118
11-15 59.5 2.8 50.6 467 32,570 92,589 9,045,756 785 64,429
Total 63.4 2.0 50.4 958 97,746 295,005 56,050,437 1,511 193,839
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,889 130,756 2 94
5-14 63.2 18.3 71.0 12 771 22,241 1,297,030 19 1,087
15-24 92.4 15.6 72.1 35 2,893 33,408 3,864,378 38 4,014
25-34 48.4 6.2 50.0 60 12,110 79,178 18,014,700 124 24,206
35-44 62.9 4.3 52.3 211 32,956 85,556 21,211,613 336 62,976
45-54 59.4 3.4 46.9 306 32,287 54,034 9,779,881 515 68,825
55-64 66.3 4.4 48.5 226 12,938 15,048 1,621,027 341 26,687
65-74 79.5 7.9 60.9 101 3,434 2,541 127,272 127 5,636
75-89 77.8 29.4 113.5 7 357 110 3,779 9 314
90+ 0 0 0 0 0 0
Total 63.4 2.0 50.4 958 97,746 295,005 56,050,437 1,511 193,839
Ultimate Experience By Attained Age
15-19 35.8 20.7 41.7 3 162 10,306 480,633 8 389
20-29 67.2 14.0 57.0 23 770 34,451 1,360,522 34 1,350
30-39 58.0 9.7 57.3 36 1,513 35,733 1,506,452 62 2,643
40-49 48.2 4.8 40.1 102 6,310 50,658 3,658,697 211 15,737
50-59 51.1 2.2 52.3 517 40,313 87,053 6,733,392 1,011 77,108
60-69 56.0 1.8 61.2 967 57,686 56,553 3,205,687 1,728 94,233
70-79 61.5 1.9 52.5 1,090 29,838 24,661 814,024 1,773 56,875
80-89 72.5 2.6 70.1 798 16,728 7,893 172,713 1,101 23,866
90-99 64.8 6.8 74.4 90 1,291 566 7,379 139 1,736
100+ 0.0 0.0 0.0 0 0 13 12 7 7
Total 59.7 1.0 56.4 3,626 154,612 307,887 17,939,513 6,075 273,945
GRAND TOTAL 60.4 0.9 53.9 4,584 252,358 602,892 73,989,950 7,586 467,783

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.2     TOTAL EXPERIENCE -- MALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 49.6 7.1 39.7 49 15,022 123,712 54,621,967 99 37,840
2 59.4 6.5 44.2 83 22,725 123,090 53,848,924 140 51,468
3 62.9 6.3 54.5 101 30,646 116,783 48,523,418 161 56,254
4 56.0 5.6 42.1 100 26,403 110,617 46,031,978 178 62,758
5 49.2 5.0 31.7 96 19,531 100,693 38,799,259 195 61,573
6-10 55.6 1.9 50.4 847 209,789 491,415 161,119,700 1,523 416,191
11-15 55.0 1.6 55.3 1,165 179,201 347,880 67,109,619 2,118 324,208
Total 55.3 1.1 49.8 2,441 503,318 1,414,189 470,054,866 4,413 1,010,293
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 951 81,533 1 60
5-14 36.2 20.9 33.2 3 325 9,453 1,128,956 8 979
15-24 59.4 7.9 57.8 56 8,033 115,126 17,982,277 94 13,903
25-34 48.1 3.9 38.9 150 36,078 352,173 115,020,280 312 92,792
35-44 58.1 2.9 48.7 408 116,865 453,347 186,202,734 702 239,922
45-54 53.8 2.2 47.7 612 149,195 321,541 112,985,463 1,138 312,819
55-64 52.4 2.1 44.2 648 101,034 131,432 32,059,312 1,236 228,475
65-74 60.4 2.8 76.2 480 73,639 28,307 4,194,194 794 96,648
75-89 66.4 7.2 73.7 84 18,149 1,858 399,851 127 24,635
90+ 0.0 0.0 0.0 0 0 3 265 1 61
Total 55.3 1.1 49.8 2,441 503,318 1,414,189 470,054,866 4,413 1,010,293
Ultimate Experience By Attained Age
15-19 46.5 26.8 57.1 3 257 7,809 546,964 6 450
20-29 68.1 15.6 73.7 19 1,138 28,052 1,556,655 28 1,546
30-39 65.3 10.3 49.0 40 2,069 52,903 3,641,186 61 4,218
40-49 60.6 4.1 50.5 214 20,896 184,485 21,095,934 353 41,362
50-59 50.7 1.9 49.7 683 91,024 306,881 41,738,023 1,347 183,031
60-69 51.9 1.4 54.1 1,315 159,484 210,857 25,129,950 2,535 294,732
70-79 53.0 1.2 47.0 1,916 136,176 97,244 8,040,378 3,614 289,883
80-89 63.1 1.3 52.6 2,353 132,343 38,895 2,665,882 3,726 251,600
90-99 80.4 3.7 70.3 474 23,894 2,926 166,389 590 33,990
100+ 29.9 17.3 108.9 3 521 19 1,079 10 478
Total 57.2 0.7 51.6 7,020 567,802 930,069 104,582,441 12,270 1,101,289
GRAND TOTAL 56.7 0.6 50.7 9,461 1,071,120 2,344,258 574,637,306 16,683 2,111,582

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.3     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 52.9 13.7 46.1 15 4,872 45,186 14,362,980 28 10,562
2 61.4 13.4 28.0 21 4,256 41,765 13,824,135 34 15,215
3 39.9 11.5 20.7 12 2,813 34,513 10,206,448 30 13,614
4 40.0 11.6 23.6 12 3,139 31,737 9,049,737 30 13,320
5 49.0 12.6 28.5 15 4,110 28,977 8,332,655 31 14,408
6-10 43.4 5.9 37.3 54 12,323 107,025 17,629,314 124 33,040
11-15 60.5 7.0 144.8 74 13,944 82,870 5,681,269 122 9,632
Total 50.8 3.6 41.4 203 45,458 372,073 79,086,538 400 109,791
Select Experience By Issue Age
0-4 53.9 11.5 45.9 22 1,213 146,147 9,726,636 41 2,644
5-14 47.9 11.6 51.8 17 1,598 71,317 6,673,415 35 3,085
15-24 55.3 18.4 32.2 9 718 20,370 2,976,037 16 2,232
25-34 47.0 12.1 39.6 15 4,290 40,897 15,613,092 32 10,842
35-44 65.3 10.5 52.1 39 12,355 48,789 23,148,604 60 23,698
45-54 43.7 6.7 49.4 42 18,851 33,334 16,195,573 96 38,180
55-64 34.7 6.7 21.4 27 5,108 9,888 4,357,748 78 23,847
65-74 70.6 14.1 24.2 25 1,226 1,243 392,225 35 5,062
75-89 111.4 42.1 48.4 7 97 88 3,204 6 201
90+ 186.9 0 1 0 4 0 1
Total 50.8 3.6 41.4 203 45,458 372,073 79,086,538 400 109,791
Ultimate Experience By Attained Age
15-19 63.4 14.5 47.9 19 640 38,862 1,739,631 30 1,336
20-29 65.3 7.5 52.5 76 2,423 117,548 4,664,031 116 4,614
30-39 73.2 7.2 50.6 102 1,895 114,308 3,080,980 139 3,742
40-49 87.1 5.4 63.5 257 6,482 128,421 4,265,910 295 10,210
50-59 70.0 2.1 57.4 1,121 32,840 249,755 9,143,115 1,602 57,195
60-69 58.6 1.1 50.2 3,060 63,119 306,103 7,665,188 5,217 125,822
70-79 60.4 0.8 58.2 6,188 94,843 228,373 3,739,440 10,238 163,083
80-89 75.2 0.7 68.9 11,165 126,180 142,981 1,791,626 14,854 183,057
90-99 73.4 1.2 81.6 3,984 39,061 24,351 223,539 5,425 47,869
100+ 6.5 0.5 22.3 157 847 3,330 6,187 2,409 3,806
Total 64.8 0.4 61.3 26,129 368,331 1,354,032 36,319,647 40,326 600,734
GRAND TOTAL 64.7 0.4 58.2 26,332 413,788 1,726,106 115,406,186 40,726 710,524

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.4     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 19.2 11.1 20.3 3 500 15,908 3,292,360 16 2,466
2 89.5 20.0 67.3 20 2,295 15,557 3,003,697 22 3,411
3 65.6 15.9 35.9 17 1,276 15,532 2,814,548 26 3,556
4 58.7 14.2 49.4 17 1,960 14,857 2,677,821 29 3,966
5 73.7 15.4 75.3 23 2,974 14,239 2,364,065 31 3,949
6-10 80.9 5.8 57.1 195 15,530 74,417 10,206,076 241 27,183
11-15 83.0 4.2 75.2 386 20,771 87,197 6,273,669 465 27,631
Total 79.6 3.1 62.8 661 45,307 237,706 30,632,236 830 72,163
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,747 132,131 1 40
5-14 44.3 25.6 139.5 3 557 20,996 1,255,571 7 399
15-24 68.4 20.6 68.1 11 973 31,359 3,143,501 16 1,429
25-34 56.0 9.2 43.1 37 3,918 58,943 10,136,152 66 9,080
35-44 58.5 5.7 49.4 104 10,675 61,391 9,693,987 178 21,601
45-54 82.5 5.6 63.0 218 13,785 44,664 5,001,207 264 21,887
55-64 95.6 7.1 81.0 183 8,897 14,459 1,069,754 191 10,983
65-74 91.0 9.9 87.5 85 4,455 2,945 174,246 93 5,094
75-89 145.8 32.6 124.1 20 2,047 201 25,685 14 1,650
90+ 0 0 0 0 0 0
Total 79.6 3.1 62.8 661 45,307 237,706 30,632,236 830 72,163
Ultimate Experience By Attained Age
15-19 92.8 53.6 76.9 3 119 9,995 480,589 3 155
20-29 56.3 21.3 42.9 7 209 31,662 1,251,534 12 488
30-39 73.2 14.9 50.6 24 726 33,568 1,429,391 33 1,436
40-49 52.2 5.6 60.1 88 6,281 55,881 3,447,103 169 10,458
50-59 67.0 3.6 63.7 351 17,598 80,089 4,322,783 524 27,618
60-69 82.4 3.4 86.0 603 20,313 47,802 1,612,228 732 23,621
70-79 96.0 3.4 90.4 777 14,437 22,098 442,372 809 15,968
80-89 105.0 3.9 107.1 718 12,139 8,342 143,419 684 11,334
90-99 88.3 7.5 100.7 140 1,758 898 10,000 159 1,746
100+ 0.0 0.0 0.0 0 0 16 13 7 6
Total 86.6 1.7 79.3 2,711 73,581 290,351 13,139,431 3,132 92,830
GRAND TOTAL 85.1 1.5 72.1 3,372 118,887 528,056 43,771,667 3,962 164,992

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.5     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 40.9 7.9 34.7 27 5,655 127,142 38,409,469 66 16,306
2 48.9 7.2 27.8 46 6,306 125,742 37,789,213 94 22,721
3 45.6 6.5 40.4 49 9,293 120,407 34,422,243 107 22,984
4 53.2 6.8 49.0 62 12,382 112,665 31,689,284 117 25,293
5 57.0 6.5 47.4 76 13,156 103,947 27,387,987 133 27,781
6-10 56.6 2.3 50.4 584 84,887 480,149 105,268,280 1,032 168,401
11-15 60.1 1.8 62.6 1,084 108,742 363,073 45,912,151 1,803 173,605
Total 57.5 1.3 52.6 1,928 240,422 1,433,126 320,878,626 3,352 457,091
Select Experience By Issue Age
0-4 359.7 359.7 102.2 1 25 913 80,732 0 24
5-14 33.0 33.0 28.4 1 100 9,220 1,084,736 3 352
15-24 68.0 12.6 71.3 29 3,962 131,498 19,066,416 43 5,557
25-34 62.8 5.5 56.2 132 26,365 420,503 107,611,614 210 46,943
35-44 62.2 3.7 60.4 276 60,254 431,938 118,001,685 444 99,789
45-54 57.0 2.9 49.7 380 49,955 280,594 55,915,745 667 100,479
55-64 52.2 2.5 47.2 428 35,805 117,831 14,582,341 819 75,837
65-74 55.4 2.5 39.1 479 32,268 35,911 3,757,661 864 82,626
75-89 66.9 4.7 68.1 201 30,829 4,715 776,738 301 45,244
90+ 174.0 174.0 356.6 1 858 3 958 1 241
Total 57.5 1.3 52.6 1,928 240,422 1,433,126 320,878,626 3,352 457,091
Ultimate Experience By Attained Age
15-19 119.4 68.9 142.9 3 254 7,682 545,041 3 178
20-29 55.1 22.5 75.2 6 451 27,837 1,541,300 11 600
30-39 76.6 15.3 57.2 25 1,267 53,126 3,569,733 33 2,216
40-49 56.8 4.9 67.2 137 15,012 187,893 17,237,743 241 22,327
50-59 60.5 2.9 58.7 422 36,222 258,331 23,189,916 698 61,746
60-69 56.1 2.1 59.3 683 43,065 165,299 10,399,596 1,216 72,677
70-79 50.0 1.6 41.7 976 32,326 83,072 3,337,952 1,953 77,432
80-89 67.3 1.5 51.8 1,947 57,547 42,710 1,621,401 2,894 111,077
90-99 84.2 3.3 77.9 647 25,292 4,775 199,922 769 32,469
100+ 69.1 23.0 156.1 9 1,578 28 2,258 13 1,010
Total 62.0 0.9 55.8 4,855 213,013 830,753 61,644,862 7,831 381,733
GRAND TOTAL 60.7 0.7 54.1 6,783 453,434 2,263,879 382,523,488 11,182 838,824

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 8.6     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 68.2 19.7 38.2 12 1,773 42,254 10,884,499 18 4,642
2 36.4 13.8 30.8 7 1,780 38,236 9,824,739 19 5,785
3 56.8 18.9 24.7 9 1,148 31,675 7,089,203 16 4,645
4 63.9 20.2 56.7 10 2,445 29,112 6,327,869 16 4,310
5 68.5 20.7 36.2 11 1,537 26,447 5,327,427 16 4,239
6-10 50.5 8.1 48.7 39 6,015 103,185 12,979,529 77 12,361
11-15 69.5 7.9 48.0 78 3,097 82,263 5,614,210 112 6,453
Total 60.6 4.7 41.9 166 17,796 353,172 58,047,475 274 42,436
Select Experience By Issue Age
0-4 48.0 13.3 57.4 13 1,115 142,677 10,121,422 27 1,943
5-14 59.9 20.0 64.2 9 916 68,996 6,840,314 15 1,428
15-24 14.3 14.3 8.2 1 75 21,242 3,138,962 7 913
25-34 40.5 13.5 41.7 9 2,445 45,012 14,426,270 22 5,859
35-44 59.9 11.5 57.8 27 7,246 44,141 15,130,518 45 12,542
45-54 47.1 9.4 31.1 25 3,707 23,818 7,097,366 53 11,907
55-64 75.3 13.5 21.6 31 1,083 5,661 1,152,796 41 5,003
65-74 65.9 12.2 35.5 29 791 1,390 129,139 44 2,230
75-89 114.3 24.4 68.6 22 419 234 10,688 19 611
90+ 137.6 0 0 0 1 0 0
Total 60.6 4.7 41.9 166 17,796 353,172 58,047,475 274 42,436
Ultimate Experience By Attained Age
15-19 50.6 20.6 24.5 6 145 37,699 1,889,568 12 594
20-29 92.1 14.6 89.1 40 1,595 112,571 4,683,649 43 1,790
30-39 63.7 9.4 34.1 46 639 100,713 2,655,504 72 1,873
40-49 77.1 6.3 80.1 151 5,000 106,031 3,293,018 196 6,245
50-59 70.2 3.0 59.7 534 12,353 189,222 5,323,981 761 20,695
60-69 71.7 2.0 61.9 1,261 16,507 181,538 2,905,540 1,759 26,674
70-79 72.6 1.5 67.5 2,408 18,725 121,427 1,060,083 3,316 27,753
80-89 79.5 1.1 77.4 5,181 29,321 88,600 525,247 6,515 37,861
90-99 72.6 1.4 90.5 2,777 15,458 21,106 96,977 3,828 17,081
100+ 14.5 1.1 23.1 167 545 1,770 4,035 1,148 2,355
Total 71.2 0.6 70.2 12,571 100,289 960,677 22,437,603 17,649 142,921
GRAND TOTAL 71.1 0.6 63.7 12,737 118,085 1,313,849 80,485,078 17,923 185,357

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.1     TOTAL EXPERIENCE -- WHOLE LIFE
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 71.5 12.3 51.8 34 3,243 66,992 10,103,752 48 6,264
2 94.3 13.6 61.1 48 4,143 54,162 8,587,332 51 6,780
3 71.9 11.1 48.2 42 3,229 51,127 6,597,159 58 6,691
4 81.0 11.2 20.5 52 1,497 47,598 6,890,277 64 7,295
5 62.9 9.3 30.0 46 2,444 43,924 6,202,928 73 8,148
6-10 65.1 3.7 33.1 303 16,802 212,875 24,683,354 466 50,745
11-15 65.4 2.2 54.9 857 43,817 295,694 21,859,563 1,310 79,784
Total 66.8 1.8 45.4 1,382 75,175 772,373 84,924,365 2,070 165,707
Select Experience By Issue Age
0-4 43.9 10.3 35.5 18 902 163,357 10,378,117 41 2,542
5-29 56.3 5.9 40.2 92 6,281 272,967 27,548,736 163 15,623
30-44 62.8 4.6 45.3 187 16,905 181,411 29,522,064 298 37,306
45-59 69.0 3.1 43.6 498 25,431 117,991 14,843,188 722 58,298
60-74 65.3 3.0 40.6 476 17,670 34,664 2,494,939 729 43,483
75-89 95.6 9.1 87.4 110 7,126 1,977 136,097 115 8,154
90-120 81.6 81.6 284.7 1 858 6 1,223 1 301
Total 66.8 1.8 45.4 1,382 75,175 772,373 84,924,365 2,070 165,707
Ultimate Experience By Attained Age
15-29 68.9 5.5 62.9 157 6,221 342,497 15,211,941 228 9,891
30-44 71.5 3.5 53.7 428 12,795 495,564 19,658,221 599 23,831
45-59 64.6 1.2 53.8 3,015 119,328 1,054,267 53,405,574 4,667 221,701
60-74 60.3 0.6 52.6 10,275 250,377 943,151 28,963,141 17,036 475,844
75-89 72.1 0.5 63.2 24,947 331,777 478,908 7,465,816 34,601 525,000
90-120 55.8 0.7 78.4 7,235 68,562 52,186 420,295 12,959 87,401
Total 65.7 0.3 58.7 46,057 789,061 3,366,573 125,124,989 70,089 1,343,667
GRAND TOTAL 65.7 0.3 57.3 47,439 864,236 4,138,946 210,049,353 72,159 1,509,375

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.2     TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 46.1 7.3 33.2 40 11,792 106,482 49,515,746 87 35,475
2 40.8 5.7 31.1 52 15,855 108,907 49,465,581 128 51,004
3 52.4 6.2 43.2 71 22,610 95,605 42,436,858 136 52,386
4 46.8 5.8 46.6 66 26,645 86,881 39,270,798 141 57,210
5 46.1 5.6 36.2 69 19,806 79,491 32,851,346 150 54,730
6-10 53.0 2.2 49.2 582 163,215 389,562 132,566,036 1,098 331,794
11-15 87.0 4.4 99.5 399 84,573 125,356 25,954,073 459 85,023
Total 58.2 1.6 51.6 1,279 344,495 992,284 372,060,438 2,197 667,622
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,937 245,289 1 59
5-29 55.5 8.4 45.0 44 9,676 130,430 38,333,402 79 21,520
30-44 60.9 3.2 51.8 373 111,266 477,919 200,215,461 612 214,824
45-59 57.1 2.2 47.2 653 163,178 341,445 123,072,118 1,143 345,693
60-74 57.9 4.0 71.1 209 60,375 39,537 10,180,208 361 84,956
75-89 0.0 0.0 0.0 0 0 17 13,960 1 571
90-120 0 0 0 0 0 0
Total 58.2 1.6 51.6 1,279 344,495 992,284 372,060,438 2,197 667,622
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 108 4,152 0 3
30-44 59.1 22.3 46.4 7 775 8,406 1,192,188 12 1,671
45-59 66.2 5.1 59.7 168 24,397 62,672 10,380,837 254 40,851
60-74 76.9 5.1 65.6 230 26,703 22,013 3,097,135 299 40,677
75-89 104.6 27.0 83.5 15 1,494 318 39,616 14 1,790
90-120 0 0 0 0 0 0
Total 72.5 3.5 62.8 420 53,369 93,518 14,713,927 579 84,992
GRAND TOTAL 61.2 1.5 52.9 1,699 397,864 1,085,802 386,774,365 2,776 752,614

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.3     TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 34.3 8.9 25.8 15 4,425 88,115 37,139,238 44 17,172
2 52.0 9.5 47.6 30 10,339 84,450 34,357,937 58 21,716
3 44.9 8.3 51.4 29 11,858 79,112 30,979,293 65 23,091
4 35.3 7.2 36.3 24 8,600 71,808 27,281,859 68 23,672
5 48.3 8.4 29.8 33 6,565 61,123 21,419,428 68 21,996
6-10 58.5 3.9 56.0 221 57,857 216,803 66,163,991 378 103,375
11-15 46.1 4.0 40.7 135 24,263 80,190 17,439,249 293 59,573
Total 50.1 2.3 45.8 487 123,906 681,602 234,780,996 973 270,595
Select Experience By Issue Age
0-4 124.0 124.0 172.2 1 100 3,271 228,523 1 58
5-29 47.9 9.2 44.2 27 6,845 111,075 32,083,383 56 15,487
30-44 51.3 3.5 48.2 211 66,935 411,908 159,295,921 411 138,972
45-59 49.3 3.3 43.5 220 46,819 149,868 42,385,220 446 107,720
60-74 48.1 9.1 38.4 28 3,207 5,478 787,949 58 8,358
75-89 0 0 0 0 0 0
90-120 0 0 0 0 0 0
Total 50.1 2.3 45.8 487 123,906 681,602 234,780,996 973 270,595
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 95 1,733 0 1
30-44 0.0 0.0 0.0 0 0 2,042 273,857 3 377
45-59 34.0 7.6 25.7 20 2,550 15,747 2,693,005 59 9,914
60-74 48.0 8.5 49.7 32 4,705 5,169 757,865 67 9,475
75-89 62.3 18.8 158.0 11 2,730 297 27,242 18 1,728
90-120 0 0 0 0 0 0
Total 43.1 5.4 46.5 63 9,985 23,351 3,753,702 146 21,495
GRAND TOTAL 49.2 2.1 45.8 550 133,891 704,952 238,534,698 1,119 292,090

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.4     TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 41.1 20.5 47.7 4 1,606 17,726 4,920,896 10 3,371
2 74.2 24.7 26.8 9 1,070 16,490 4,725,591 12 3,997
3 65.2 20.6 44.6 10 2,085 17,827 5,257,140 15 4,675
4 50.0 15.8 20.1 10 1,217 19,275 5,570,917 20 6,054
5 62.6 16.2 45.6 15 3,567 19,357 5,693,823 24 7,829
6-10 60.1 6.0 32.8 102 13,889 84,319 21,597,843 170 42,351
11-15 56.5 4.4 44.3 168 20,725 93,016 13,633,790 298 46,783
Total 58.0 3.3 38.4 318 44,159 268,010 61,399,999 548 115,059
Select Experience By Issue Age
0-4 75.8 33.9 77.1 5 535 26,858 2,957,012 7 694
5-29 60.7 10.7 57.7 32 5,379 88,725 16,306,104 53 9,324
30-44 53.9 6.2 39.6 75 13,554 99,564 27,829,962 139 34,264
45-59 57.5 5.1 32.4 126 15,460 46,146 12,703,756 219 47,760
60-74 56.4 7.0 38.0 64 7,536 6,409 1,530,172 113 19,853
75-89 92.2 23.1 53.6 16 1,695 309 72,993 17 3,164
90-120 0 0 0 0 0 0
Total 58.0 3.3 38.4 318 44,159 268,010 61,399,999 548 115,059
Ultimate Experience By Attained Age
15-29 55.2 13.0 59.5 18 1,048 49,519 2,686,809 33 1,762
30-44 58.6 11.5 51.7 26 1,596 36,256 2,543,552 44 3,084
45-59 54.8 4.2 54.7 172 18,222 78,834 8,451,731 314 33,299
60-74 57.3 3.1 67.3 331 37,868 39,999 4,025,549 578 56,238
75-89 66.7 3.8 54.1 301 21,044 7,221 607,475 451 38,933
90-120 104.4 14.9 173.5 49 4,689 268 14,860 47 2,702
Total 61.2 2.0 62.1 897 84,466 212,097 18,329,976 1,467 136,018
GRAND TOTAL 60.3 1.7 51.2 1,215 128,626 480,107 79,729,975 2,015 251,077

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.5     TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 50.1 10.4 28.7 23 2,458 67,053 11,269,306 46 8,552
2 58.2 9.3 46.8 39 6,257 71,982 13,283,250 67 13,374
3 46.2 7.8 23.8 35 2,997 69,912 11,193,895 76 12,607
4 67.4 8.9 57.2 57 8,774 67,742 11,545,617 85 15,329
5 68.1 8.3 40.7 67 7,529 65,962 11,447,813 98 18,508
6-10 61.4 2.9 61.0 440 68,919 258,453 38,217,104 717 112,919
11-15 53.0 1.9 54.3 797 117,493 272,308 36,990,691 1,505 216,428
Total 56.2 1.5 53.9 1,458 214,428 873,412 133,947,677 2,593 397,716
Select Experience By Issue Age
0-4 75.3 23.8 84.6 10 770 55,805 3,856,585 13 910
5-29 51.9 5.9 55.6 78 10,560 255,486 32,785,335 150 18,998
30-44 56.6 3.4 54.4 275 44,560 338,041 61,926,351 486 81,920
45-59 55.5 2.5 59.1 497 73,500 176,318 28,102,664 895 124,381
60-74 54.7 2.5 40.5 479 51,994 44,955 6,499,403 876 128,235
75-89 69.1 6.3 76.4 119 33,045 2,807 777,339 172 43,271
90-120 0 0 0 0 0 0
Total 56.2 1.5 53.9 1,458 214,428 873,412 133,947,677 2,593 397,716
Ultimate Experience By Attained Age
15-29 78.0 29.5 57.1 7 254 14,052 682,832 9 446
30-44 47.8 12.0 42.8 16 1,589 26,456 2,865,863 33 3,713
45-59 48.4 4.0 49.3 147 24,392 78,818 12,880,987 304 49,523
60-74 48.9 3.0 52.0 272 47,303 39,566 6,520,482 557 90,971
75-89 51.3 3.9 35.6 170 20,838 5,641 983,074 332 58,505
90-120 76.4 17.5 77.2 19 1,982 151 15,414 25 2,566
Total 50.1 2.0 46.8 631 96,357 164,685 23,948,651 1,259 205,724
GRAND TOTAL 54.2 1.2 51.5 2,089 310,785 1,038,097 157,896,328 3,852 603,440

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 9.6     TOTAL EXPERIENCE -- TERM TO 100
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 39.3 22.7 14.9 3 90 4,478 435,451 8 602
2 74.3 24.8 88.0 9 858 4,439 448,554 12 974
3 83.0 23.0 114.5 13 1,285 4,701 449,523 16 1,122
4 78.3 19.0 93.3 17 1,553 6,046 576,002 22 1,664
5 50.2 13.4 60.6 14 1,178 6,552 568,447 28 1,943
6-10 65.3 4.3 53.8 235 14,817 49,092 4,008,972 360 27,536
11-15 57.3 2.4 63.3 565 34,589 78,631 4,931,618 985 54,651
Total 59.9 2.0 61.4 856 54,369 153,939 11,418,566 1,430 88,493
Select Experience By Issue Age
0-4 52.8 52.8 40.0 1 25 9,107 316,340 2 62
5-29 77.8 18.9 82.3 17 1,265 30,582 2,134,156 22 1,537
30-44 77.1 9.9 65.7 60 4,497 36,416 3,811,157 78 6,841
45-59 56.3 4.0 67.0 200 13,180 45,382 3,303,482 355 19,677
60-74 59.9 2.7 58.6 494 25,732 30,629 1,648,054 825 43,906
75-89 56.7 6.2 58.7 84 9,670 1,823 205,378 148 16,469
90-120 0 0 0 0 0 0
Total 59.9 2.0 61.4 856 54,369 153,939 11,418,566 1,430 88,493
Ultimate Experience By Attained Age
15-29 63.2 25.8 34.1 6 90 14,617 423,339 9 264
30-44 72.3 13.7 69.4 28 1,880 30,734 2,094,139 39 2,709
45-59 49.0 3.0 51.3 271 28,777 131,521 13,885,889 553 56,047
60-74 53.2 1.7 46.6 965 70,665 107,968 9,626,408 1,812 151,587
75-89 63.5 1.3 51.5 2,234 131,155 52,293 3,698,371 3,520 254,525
90-120 79.7 3.9 70.5 418 27,850 2,863 214,600 524 39,521
Total 60.7 1.0 51.6 3,922 260,418 339,997 29,942,746 6,458 504,655
GRAND TOTAL 60.6 0.9 53.1 4,778 314,787 493,935 41,361,313 7,888 593,147

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.1     TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 91.5 45.8 37.5 4 721 3,666 1,786,181 4 1,923
2 46.1 26.6 39.2 3 1,150 4,001 2,049,472 7 2,931
3 39.4 22.7 30.0 3 850 3,851 1,651,243 8 2,833
4 48.8 24.4 29.4 4 1,050 3,531 1,680,190 8 3,577
5 70.5 31.5 48.5 5 1,400 2,635 1,131,245 7 2,884
6-10 50.2 8.0 56.8 39 13,658 15,608 5,475,035 78 24,046
11-15 83.4 18.2 67.5 21 3,380 3,653 757,963 25 5,009
Total 57.8 6.5 51.4 79 22,209 36,945 14,531,328 137 43,202
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0 0 0 0 0 0
15-24 0.0 0.0 0.0 0 0 1,757 468,807 2 438
25-34 58.9 19.6 63.3 9 3,480 12,002 4,756,194 15 5,501
35-44 40.8 10.2 40.4 16 6,095 13,874 6,195,890 39 15,089
45-54 59.1 10.3 58.4 33 9,688 7,868 2,716,277 56 16,589
55-64 75.2 18.8 40.1 16 2,036 1,360 379,736 21 5,082
65-74 129.6 64.8 145.2 4 665 80 14,128 3 458
75-89 519.2 519.2 563.6 1 245 2 295 0 43
90+ 0 0 0 0 0 0
Total 57.8 6.5 51.4 79 22,209 36,945 14,531,328 137 43,202
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0 0 0 0 0 0
30-39 0.0 0.0 0.0 0 0 1 15 0 0
40-49 0 0 0 0 0 0
50-59 0 0 0 0 0 0
60-69 0 0 0 0 0 0
70-79 0 0 0 0 0 0
80-89 0 0 0 0 0 0
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 1 15 0 0
GRAND TOTAL 57.8 6.5 51.4 79 22,209 36,946 14,531,343 137 43,202

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.2     TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 30.7 13.7 7.7 5 302 12,344 3,601,421 16 3,933
2 25.7 11.5 11.4 5 508 10,594 2,900,405 19 4,460
3 52.1 15.7 32.7 11 1,430 9,491 2,421,241 21 4,379
4 66.7 17.2 86.8 15 3,971 8,871 2,194,025 22 4,575
5 49.8 15.0 41.2 11 1,886 7,556 1,828,778 22 4,573
6-10 62.9 6.0 49.6 109 15,017 37,504 7,493,513 173 30,289
11-15 69.9 9.3 73.1 56 5,500 12,044 1,253,605 80 7,526
Total 59.8 4.1 47.9 212 28,613 98,404 21,692,990 355 59,735
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 10 229 0 0
5-14 0.0 0.0 0.0 0 0 7,831 428,990 6 344
15-24 128.3 38.7 105.1 11 1,068 8,733 1,107,917 9 1,017
25-34 36.1 10.4 46.5 12 3,758 28,190 7,254,715 33 8,077
35-44 67.7 9.2 58.5 54 11,389 29,135 8,299,044 80 19,458
45-54 49.6 6.3 30.6 63 6,773 18,958 3,962,337 127 22,162
55-64 68.1 9.4 68.1 52 5,106 4,871 600,475 76 7,499
65-74 84.4 19.4 44.1 19 504 661 38,887 23 1,144
75-89 89.7 89.7 42.9 1 15 15 397 1 35
90+ 0 0 0 0 0 0
Total 59.8 4.1 47.9 212 28,613 98,404 21,692,990 355 59,735
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 21 1,458 0 1
20-29 0.0 0.0 0.0 0 0 224 13,873 0 14
30-39 0.0 0.0 0.0 0 0 62 3,914 0 7
40-49 0.0 0.0 0.0 0 0 248 25,057 1 109
50-59 75.0 33.5 53.0 5 470 568 76,920 7 887
60-69 88.0 24.4 62.0 13 822 482 44,114 15 1,326
70-79 61.6 27.5 58.2 5 274 125 7,398 8 470
80-89 0.0 0.0 0.0 0 0 4 115 0 13
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 73.1 15.2 55.4 23 1,566 1,734 172,848 31 2,827
GRAND TOTAL 60.8 4.0 48.2 235 30,180 100,137 21,865,838 386 62,562

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.3     TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 115.2 30.8 58.9 14 841 7,739 1,219,137 12 1,428
2 79.9 21.4 142.0 14 3,172 7,644 1,354,709 18 2,233
3 90.8 20.8 69.6 19 1,792 8,033 1,345,608 21 2,576
4 88.2 19.3 59.6 21 1,944 7,783 1,391,755 24 3,263
5 84.6 16.6 82.3 26 3,066 8,381 1,371,539 31 3,725
6-10 78.0 5.8 48.2 183 12,418 43,184 6,109,183 235 25,783
11-15 57.4 2.9 45.7 390 23,691 76,892 7,034,188 679 51,895
Total 65.4 2.5 51.6 667 46,924 159,656 19,826,119 1,019 90,902
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,879 130,527 2 93
5-14 95.1 27.4 103.8 12 771 14,410 868,040 13 743
15-24 87.3 17.8 71.3 24 1,825 22,917 2,287,654 27 2,559
25-34 51.6 8.3 45.8 39 4,872 38,985 6,003,791 76 10,628
35-44 65.1 5.5 54.4 141 15,472 42,547 6,716,679 217 28,428
45-54 63.2 4.4 52.6 210 15,826 27,209 3,101,267 333 30,074
55-64 65.0 5.2 41.1 158 5,796 8,817 640,815 243 14,106
65-74 76.9 8.7 56.1 78 2,264 1,799 74,258 101 4,034
75-89 65.1 29.1 41.0 5 97 93 3,088 8 236
90+ 0 0 0 0 0 0
Total 65.4 2.5 51.6 667 46,924 159,656 19,826,119 1,019 90,902
Ultimate Experience By Attained Age
15-19 35.9 20.7 41.9 3 162 10,285 479,175 8 388
20-29 67.6 14.1 57.6 23 770 34,228 1,346,650 34 1,336
30-39 58.1 9.7 57.4 36 1,513 35,671 1,502,523 62 2,636
40-49 48.5 4.8 40.4 102 6,310 50,410 3,633,640 210 15,628
50-59 51.0 2.3 52.3 512 39,843 86,485 6,656,472 1,004 76,221
60-69 55.7 1.8 61.2 954 56,864 56,070 3,161,574 1,714 92,908
70-79 61.5 1.9 52.4 1,085 29,564 24,536 806,626 1,765 56,405
80-89 72.5 2.6 70.1 798 16,728 7,889 172,598 1,101 23,853
90-99 64.8 6.8 74.4 90 1,291 566 7,379 139 1,736
100+ 0.0 0.0 0.0 0 0 13 12 7 7
Total 59.6 1.0 56.4 3,603 153,046 306,152 17,766,650 6,044 271,118
GRAND TOTAL 60.5 0.9 55.2 4,270 199,970 465,808 37,592,769 7,063 362,020

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.4     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 23.0 9.4 22.9 6 3,425 37,946 23,489,967 26 14,962
2 43.2 10.5 53.2 17 11,690 41,056 25,111,488 39 21,993
3 33.2 8.6 39.0 15 9,025 38,947 21,802,025 45 23,121
4 35.8 8.4 29.2 18 7,658 37,580 20,575,164 50 26,258
5 31.7 8.2 24.8 15 5,896 30,303 16,410,504 47 23,754
6-10 47.2 3.4 46.5 197 81,809 162,146 73,770,231 418 176,033
11-15 55.0 6.4 77.2 73 31,848 36,903 11,976,535 133 41,271
Total 44.9 2.4 46.2 341 151,352 384,881 193,135,914 759 327,391
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 1,884 0 1
5-14 0.0 0.0 0.0 0 0 492 118,403 0 101
15-24 61.2 23.1 62.4 7 2,125 15,328 4,785,921 11 3,405
25-34 37.2 6.9 36.7 29 13,318 100,766 49,687,274 78 36,335
35-44 41.1 4.8 41.6 74 38,090 143,941 80,996,193 180 91,557
45-54 47.2 4.3 40.8 120 44,798 93,568 45,492,948 254 109,861
55-64 46.7 5.1 40.6 85 26,197 27,901 10,933,302 182 64,487
65-74 53.2 10.6 111.7 25 18,823 2,776 1,021,871 47 16,852
75-89 17.9 17.9 167.0 1 8,000 100 98,119 6 4,791
90+ 0 0 0 0 0 0
Total 44.9 2.4 46.2 341 151,352 384,881 193,135,914 759 327,391
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 2 350 0 0
30-39 0.0 0.0 0.0 0 0 11 1,641 0 2
40-49 0.0 0.0 0.0 0 0 215 45,005 0 90
50-59 47.1 47.1 10.1 1 50 502 116,874 2 494
60-69 0.0 0.0 0.0 0 0 221 55,449 2 627
70-79 165.5 165.5 98.3 1 150 21 4,930 1 153
80-89 0.0 0.0 0.0 0 0 1 238 0 18
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 35.6 25.2 14.5 2 200 973 224,487 6 1,384
GRAND TOTAL 44.9 2.4 46.1 343 151,552 385,854 193,360,401 764 328,775

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 53.4 11.4 54.4 22 8,895 51,201 22,816,992 41 16,350
2 54.0 10.0 37.8 29 7,295 46,990 19,452,705 54 19,281
3 81.7 11.8 73.6 48 13,855 42,327 15,921,357 59 18,817
4 65.2 10.2 64.0 41 13,086 39,181 14,708,881 63 20,437
5 59.1 9.6 34.3 38 6,789 33,827 12,068,598 64 19,767
6-10 51.1 3.2 53.5 250 68,620 151,827 47,169,990 490 128,336
11-15 67.1 6.0 56.5 126 16,834 35,419 7,073,496 188 29,784
Total 57.8 2.5 53.6 554 135,375 400,772 139,212,019 958 252,772
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 15 772 0 1
5-14 42.3 42.3 82.6 1 250 2,916 373,750 2 303
15-24 70.0 17.0 79.9 17 2,462 32,787 4,350,153 24 3,083
25-34 46.6 8.4 30.9 31 6,605 90,682 30,436,433 66 21,409
35-44 59.7 6.4 50.2 86 27,967 122,328 53,082,934 144 55,694
45-54 53.7 4.5 54.9 143 47,380 99,251 37,766,734 266 86,275
55-64 53.3 4.2 43.3 162 29,654 44,597 11,991,100 304 68,516
65-74 75.4 7.5 131.8 101 20,809 7,872 1,174,301 134 15,787
75-89 78.9 21.9 14.5 13 248 323 35,842 16 1,703
90+ 0 0 0 0 0 0
Total 57.8 2.5 53.6 554 135,375 400,772 139,212,019 958 252,772
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 73 5,027 0 4
20-29 675.3 675.3 2941.1 1 300 149 10,275 0 10
30-39 515.5 364.5 163.7 2 50 336 26,452 0 31
40-49 0.0 0.0 0.0 0 0 1,059 169,626 2 335
50-59 94.8 27.4 74.2 12 1,777 2,767 524,459 13 2,396
60-69 61.5 12.8 54.5 23 3,098 3,001 462,650 37 5,689
70-79 72.1 12.9 166.4 31 8,216 1,272 149,313 43 4,937
80-89 50.2 25.1 67.1 4 700 97 12,403 8 1,044
90-99 0.0 0.0 0.0 0 0 4 165 1 33
100+ 0 0 0 0 0 0
Total 69.9 8.2 97.7 73 14,141 8,759 1,360,370 104 14,479
GRAND TOTAL 59.0 2.4 55.9 627 149,516 409,531 140,572,389 1,063 267,251

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.6     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 66.8 14.6 41.4 21 2,702 34,565 8,315,008 31 6,528
2 79.2 13.0 36.7 37 3,740 35,044 9,284,731 47 10,194
3 67.1 10.9 54.2 38 7,766 35,509 10,800,036 57 14,316
4 62.8 9.8 35.2 41 5,659 33,856 10,747,933 65 16,063
5 51.6 7.9 37.9 43 6,846 36,562 10,320,158 83 18,052
6-10 65.0 3.3 53.1 400 59,360 177,443 40,179,479 615 111,822
11-15 53.7 1.7 51.6 966 130,519 275,558 48,059,588 1,798 253,154
Total 57.3 1.5 50.4 1,546 216,592 628,536 137,706,933 2,696 430,129
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 927 78,877 1 58
5-14 36.3 25.6 13.0 2 75 6,044 636,803 6 575
15-24 54.7 9.7 46.5 32 3,446 67,011 8,846,204 58 7,414
25-34 53.8 5.7 46.1 90 16,155 160,725 34,896,573 167 35,047
35-44 65.6 4.2 54.8 248 50,809 187,078 52,123,607 378 92,670
45-54 56.6 3.0 48.9 349 57,018 128,722 29,725,781 617 116,683
55-64 53.5 2.7 47.3 401 45,183 58,933 9,134,911 750 95,471
65-74 57.7 3.1 53.1 354 34,007 17,659 1,998,022 613 64,009
75-89 67.0 8.0 54.6 70 9,901 1,435 265,890 104 18,141
90+ 0.0 0.0 0.0 0 0 3 265 1 61
Total 57.3 1.5 50.4 1,546 216,592 628,536 137,706,933 2,696 430,129
Ultimate Experience By Attained Age
15-19 46.9 27.1 57.6 3 257 7,736 541,937 6 446
20-29 64.9 15.3 54.6 18 838 27,901 1,546,030 28 1,535
30-39 62.5 10.1 48.2 38 2,019 52,556 3,613,094 61 4,185
40-49 61.0 4.2 51.0 214 20,896 183,211 20,881,302 351 40,938
50-59 50.3 1.9 49.5 670 89,197 303,612 41,096,689 1,332 180,141
60-69 51.8 1.4 54.2 1,292 156,386 207,634 24,611,852 2,495 288,416
70-79 52.8 1.2 44.9 1,884 127,810 95,951 7,886,135 3,570 284,793
80-89 63.2 1.3 52.5 2,349 131,643 38,797 2,653,241 3,718 250,538
90-99 80.5 3.7 70.4 474 23,894 2,922 166,224 589 33,957
100+ 29.9 17.3 108.9 3 521 19 1,079 10 478
Total 57.1 0.7 51.0 6,945 553,461 920,337 102,997,584 12,160 1,085,427
GRAND TOTAL 57.2 0.6 50.8 8,491 770,053 1,548,874 240,704,517 14,856 1,515,556

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.7     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 0.0 0.0 0.0 0 0 2,105 822,546 2 559
2 37.2 37.2 17.4 1 150 2,363 880,746 3 862
3 63.7 45.0 22.4 2 225 2,270 801,777 3 1,005
4 0.0 0.0 0.0 0 0 2,163 748,641 4 1,070
5 34.0 34.0 31.4 1 300 1,600 554,990 3 956
6-10 76.5 16.3 60.7 22 4,350 9,613 2,530,767 29 7,163
11-15 58.9 24.1 62.0 6 925 2,585 392,619 10 1,492
Total 60.4 10.7 45.4 32 5,950 22,699 6,732,087 53 13,106
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 1 100 0 0
15-24 141.6 141.6 72.0 1 100 1,590 364,070 1 139
25-34 46.3 26.8 44.9 3 800 7,827 2,535,389 6 1,783
35-44 50.1 17.7 24.0 8 1,075 7,547 2,459,271 16 4,485
45-54 60.9 17.6 66.6 12 2,800 4,791 1,153,446 20 4,204
55-64 115.7 40.9 77.3 8 1,175 827 188,683 7 1,521
65-74 0.0 0.0 0.0 0 0 109 23,720 3 546
75-89 0.0 0.0 0.0 0 0 8 7,407 0 428
90+ 0 0 0 0 0 0
Total 60.4 10.7 45.4 32 5,950 22,699 6,732,087 53 13,106
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0 0 0 0 0 0
30-39 0 0 0 0 0 0
40-49 0 0 0 0 0 0
50-59 0 0 0 0 0 0
60-69 0 0 0 0 0 0
70-79 0 0 0 0 0 0
80-89 0 0 0 0 0 0
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0 0 0 0 0 0
GRAND TOTAL 60.4 10.7 45.4 32 5,950 22,699 6,732,087 53 13,106

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.8     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 14.0 14.0 20.3 1 250 8,082 1,757,995 7 1,234
2 93.2 31.1 117.5 9 1,830 7,256 1,366,021 10 1,557
3 48.0 21.5 31.8 5 470 6,862 1,240,636 10 1,479
4 64.4 24.3 42.2 7 638 6,413 1,086,785 11 1,513
5 82.7 27.6 75.2 9 1,115 5,782 960,956 11 1,483
6-10 85.3 10.0 56.0 73 5,210 29,393 3,789,318 86 9,296
11-15 88.7 14.0 84.4 40 2,259 11,379 775,235 45 2,676
Total 80.1 6.7 61.2 144 11,772 75,168 10,976,947 180 19,237
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 11 395 0 0
5-14 44.9 44.9 102.4 1 125 7,228 399,962 2 122
15-24 28.2 28.2 2.9 1 10 8,894 958,581 4 344
25-34 47.0 17.7 33.8 7 831 20,292 3,798,592 15 2,462
35-44 62.7 12.3 56.7 26 3,526 19,426 3,531,122 41 6,217
45-54 75.1 11.1 51.6 46 3,429 14,278 1,879,948 61 6,641
55-64 103.2 16.1 99.8 41 2,639 4,312 366,515 40 2,644
65-74 142.0 30.3 175.4 22 1,212 700 36,513 15 691
75-89 0.0 0.0 0.0 0 0 27 5,319 1 116
90+ 0 0 0 0 0 0
Total 80.1 6.7 61.2 144 11,772 75,168 10,976,947 180 19,237
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 22 1,401 0 1
20-29 0.0 0.0 0.0 0 0 218 14,238 0 5
30-39 0.0 0.0 0.0 0 0 41 3,330 0 4
40-49 359.3 254.0 279.3 2 150 182 17,718 1 54
50-59 78.2 55.3 111.3 2 230 385 31,600 3 207
60-69 105.2 52.6 72.6 4 130 250 12,107 4 179
70-79 193.5 96.8 314.9 4 256 63 2,301 2 81
80-89 217.9 217.9 606.9 1 48 6 111 0 8
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 135.7 37.6 151.1 13 814 1,166 82,806 10 539
GRAND TOTAL 83.0 6.6 63.6 157 12,586 76,334 11,059,753 189 19,776

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.9     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 29.9 21.2 37.1 2 250 5,720 711,818 7 673
2 100.0 31.6 31.8 10 315 5,937 756,930 10 992
3 81.0 25.6 54.2 10 581 6,399 772,134 12 1,072
4 68.7 21.7 95.5 10 1,322 6,281 842,395 15 1,384
5 74.8 20.7 103.2 13 1,559 6,857 848,119 17 1,511
6-10 78.9 7.9 55.7 100 5,970 35,411 3,885,990 127 10,724
11-15 83.0 4.5 75.0 340 17,587 73,233 5,105,815 410 23,462
Total 81.2 3.7 69.3 485 27,584 139,838 12,923,202 597 39,819
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,736 131,736 1 40
5-14 44.0 31.1 155.9 2 432 13,767 855,509 5 277
15-24 76.1 25.4 91.2 9 863 20,875 1,820,850 12 946
25-34 60.5 11.6 47.3 27 2,286 30,825 3,802,171 45 4,836
35-44 58.2 7.0 55.7 70 6,074 34,418 3,703,594 120 10,898
45-54 87.3 6.9 68.4 160 7,556 25,595 1,967,814 183 11,041
55-64 92.6 8.0 74.6 134 5,083 9,320 514,556 145 6,818
65-74 83.9 10.6 84.1 63 3,243 2,137 114,014 75 3,857
75-89 163.4 36.5 185.1 20 2,047 165 12,958 12 1,106
90+ 0 0 0 0 0 0
Total 81.2 3.7 69.3 485 27,584 139,838 12,923,202 597 39,819
Ultimate Experience By Attained Age
15-19 93.0 53.7 77.1 3 119 9,973 479,189 3 155
20-29 56.7 21.4 43.4 7 209 31,444 1,237,296 12 483
30-39 73.3 15.0 50.7 24 726 33,527 1,426,061 33 1,432
40-49 51.2 5.5 58.9 86 6,131 55,699 3,429,384 168 10,404
50-59 66.9 3.6 63.4 349 17,368 79,704 4,291,183 521 27,411
60-69 82.3 3.4 86.1 599 20,183 47,552 1,600,121 728 23,442
70-79 95.8 3.4 89.3 773 14,181 22,035 440,071 807 15,887
80-89 104.9 3.9 106.8 717 12,091 8,336 143,308 683 11,326
90-99 88.3 7.5 100.7 140 1,758 898 10,000 159 1,746
100+ 0.0 0.0 0.0 0 0 16 13 7 6
Total 86.4 1.7 78.8 2,698 72,767 289,185 13,056,625 3,122 92,291
GRAND TOTAL 85.6 1.5 76.0 3,183 100,351 429,023 25,979,827 3,720 132,110

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.10     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 40.8 16.7 36.9 6 2,490 36,238 17,609,510 15 6,750
2 27.6 11.3 21.1 6 2,000 38,854 18,254,718 22 9,477
3 40.2 12.7 43.9 10 4,090 37,401 16,041,844 25 9,320
4 37.5 11.8 29.0 10 3,031 35,502 15,073,085 27 10,457
5 55.3 14.8 41.1 14 4,496 27,708 11,440,387 25 10,944
6-10 48.3 4.9 49.4 98 29,767 141,117 46,473,857 203 60,315
11-15 66.6 9.7 86.4 47 13,278 32,524 7,219,248 71 15,361
Total 49.4 3.6 48.2 191 59,152 349,345 132,112,648 387 122,624
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 14 2,167 0 1
5-14 0.0 0.0 0.0 0 0 477 109,214 0 34
15-24 58.4 33.7 78.8 3 1,050 18,716 5,325,519 5 1,333
25-34 51.8 10.2 50.0 26 9,102 118,664 47,488,460 50 18,200
35-44 55.7 7.2 62.5 59 24,246 127,124 52,653,675 106 38,818
45-54 50.9 6.6 44.7 59 14,659 66,826 21,725,520 116 32,790
55-64 52.9 9.2 56.3 33 8,175 15,128 3,931,096 62 14,510
65-74 23.2 8.8 6.8 7 670 2,035 694,278 30 9,843
75-89 24.2 12.1 17.6 4 1,250 360 182,719 17 7,095
90+ 0 0 0 0 0 0
Total 49.4 3.6 48.2 191 59,152 349,345 132,112,648 387 122,624
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 4 600 0 0
30-39 0.0 0.0 0.0 0 0 17 2,700 0 2
40-49 0.0 0.0 0.0 0 0 176 28,346 0 38
50-59 0.0 0.0 0.0 0 0 368 57,243 1 155
60-69 274.3 194.0 71.0 2 85 114 18,220 1 120
70-79 0.0 0.0 0.0 0 0 2 285 0 4
80-89 0.0 0.0 0.0 0 0 1 250 0 12
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 98.7 69.8 25.7 2 85 682 107,644 2 331
GRAND TOTAL 49.7 3.6 48.2 193 59,237 350,027 132,220,292 389 122,955

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.11     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 15.4 7.7 17.6 4 971 50,220 13,663,619 26 5,509
2 45.9 11.5 33.6 16 2,270 46,442 11,736,941 35 6,759
3 57.2 12.2 51.1 22 3,644 43,260 10,492,405 38 7,138
4 47.2 10.8 57.3 19 4,137 39,743 9,125,553 40 7,224
5 63.8 12.1 57.7 28 4,295 35,228 7,982,456 44 7,445
6-10 56.6 4.3 53.0 170 20,839 142,685 26,840,876 301 39,349
11-15 59.4 6.8 67.9 76 6,782 34,387 4,043,970 128 9,988
Total 54.7 3.0 51.5 335 42,937 391,966 83,885,819 612 83,411
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 225 0 0
5-14 0.0 0.0 0.0 0 0 2,671 326,748 1 100
15-24 79.9 28.3 88.1 8 1,029 37,841 4,721,675 10 1,168
25-34 54.0 11.3 61.7 23 5,950 112,517 27,059,386 43 9,644
35-44 58.0 8.0 54.3 52 11,398 112,749 29,895,613 90 20,981
45-54 48.2 5.8 41.6 68 10,065 80,932 16,514,137 141 24,225
55-64 56.6 5.9 52.0 91 8,790 35,314 4,646,001 161 16,902
65-74 51.4 6.3 45.9 66 3,653 9,054 668,920 128 7,956
75-89 70.0 13.5 84.3 27 2,053 880 53,114 39 2,436
90+ 0 0 0 0 0 0
Total 54.7 3.0 51.5 335 42,937 391,966 83,885,819 612 83,411
Ultimate Experience By Attained Age
15-19 4447.0 4447.0 9687.5 1 175 72 5,779 0 2
20-29 0.0 0.0 0.0 0 0 113 8,709 0 3
30-39 0.0 0.0 0.0 0 0 277 20,777 0 13
40-49 72.0 72.0 61.7 1 100 1,060 123,054 1 162
50-59 82.3 36.8 75.5 5 500 2,189 242,486 6 663
60-69 118.4 30.6 103.4 15 1,036 1,743 144,470 13 1,002
70-79 32.1 16.1 20.4 4 150 595 35,123 12 737
80-89 77.0 38.5 37.4 4 125 83 5,273 5 335
90-99 132.4 93.6 21.3 2 20 10 689 2 95
100+ 0 0 0 0 0 0
Total 81.0 14.3 70.0 32 2,106 6,141 586,359 40 3,010
GRAND TOTAL 56.3 2.9 52.1 367 45,044 398,107 84,472,178 651 86,421

Thomson Data Analysis Mon Mar 31 18:28:54 2014


TABLE 10.12     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 86-92 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 66.9 16.2 54.2 17 2,195 40,683 7,136,340 25 4,047
2 64.1 13.1 31.4 24 2,036 40,446 7,797,555 37 6,485
3 38.6 9.4 23.9 17 1,558 39,746 7,887,994 44 6,527
4 66.5 11.6 68.5 33 5,214 37,420 7,490,646 50 7,612
5 52.9 9.1 46.5 34 4,365 41,010 7,965,145 64 9,392
6-10 59.8 3.4 49.9 316 34,282 196,347 31,953,547 528 68,737
11-15 59.9 1.9 59.8 961 88,683 296,162 34,648,932 1,604 148,257
Total 59.6 1.6 55.1 1,402 138,332 691,815 104,880,159 2,353 251,056
Select Experience By Issue Age
0-4 367.9 367.9 105.2 1 25 892 78,340 0 24
5-14 48.5 48.5 46.0 1 100 6,072 648,774 2 217
15-24 65.4 15.4 61.6 18 1,883 74,942 9,019,222 28 3,056
25-34 70.7 7.8 59.2 83 11,313 189,322 33,063,768 117 19,099
35-44 66.5 5.2 61.5 165 24,610 192,065 35,452,397 248 39,991
45-54 61.8 3.9 58.0 253 25,230 132,835 17,676,088 410 43,464
55-64 51.0 2.9 42.4 304 18,841 67,389 6,005,244 596 44,425
65-74 57.5 2.9 43.1 406 27,946 24,822 2,394,462 705 64,827
75-89 69.2 5.3 77.1 170 27,526 3,474 540,905 246 35,713
90+ 174.0 174.0 356.6 1 858 3 958 1 241
Total 59.6 1.6 55.1 1,402 138,332 691,815 104,880,159 2,353 251,056
Ultimate Experience By Attained Age
15-19 80.3 56.8 44.7 2 79 7,610 539,262 2 176
20-29 55.3 22.6 75.7 6 451 27,719 1,531,991 11 596
30-39 77.0 15.4 57.6 25 1,267 52,832 3,546,256 32 2,202
40-49 56.8 4.9 67.4 136 14,912 186,656 17,086,343 240 22,127
50-59 60.4 3.0 58.6 417 35,722 255,775 22,890,187 691 60,929
60-69 55.4 2.1 58.6 666 41,944 163,442 10,236,906 1,203 71,556
70-79 50.1 1.6 42.0 972 32,176 82,475 3,302,544 1,941 76,691
80-89 67.3 1.5 51.9 1,943 57,422 42,626 1,615,878 2,889 110,730
90-99 84.1 3.3 78.1 645 25,271 4,765 199,233 767 32,374
100+ 69.1 23.0 156.1 9 1,578 28 2,258 13 1,010
Total 61.9 0.9 55.7 4,821 210,821 823,930 60,950,859 7,789 378,392
GRAND TOTAL 61.4 0.8 55.5 6,223 349,154 1,515,745 165,831,018 10,142 629,448

Thomson Data Analysis Mon Mar 31 18:28:54 2014