CANADIAN ORDINARY STANDARD EXPERIENCE
|
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
|
EXPECTED CIA 97-04 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 97-04 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
|
72.0
|
6.3
|
53.5
|
129
|
29,687
|
377,951
|
128,178,013
|
179
|
55,515
|
2
|
69.8
|
4.9
|
50.9
|
199
|
42,192
|
366,628
|
124,595,294
|
285
|
82,843
|
3
|
70.5
|
4.7
|
58.6
|
221
|
49,249
|
340,284
|
108,473,952
|
313
|
84,064
|
4
|
71.7
|
4.6
|
58.9
|
241
|
53,294
|
319,173
|
101,042,659
|
336
|
90,420
|
5
|
72.1
|
4.4
|
52.5
|
263
|
47,661
|
292,875
|
86,542,954
|
365
|
90,849
|
6-10
|
78.4
|
1.7
|
69.4
|
2,050
|
369,637
|
1,352,487
|
326,280,630
|
2,613
|
532,536
|
11-15
|
84.3
|
1.5
|
84.8
|
3,254
|
358,326
|
1,055,872
|
139,636,675
|
3,860
|
422,645
|
Total
|
79.9
|
1.0
|
69.9
|
6,357
|
950,046
|
4,105,270
|
1,014,750,178
|
7,952
|
1,358,872
|
Select Experience By Issue Age
|
0-4
|
84.0
|
14.0
|
83.4
|
36
|
2,352
|
296,325
|
20,273,209
|
43
|
2,821
|
5-14
|
80.2
|
12.0
|
91.0
|
45
|
4,268
|
202,222
|
18,280,023
|
56
|
4,688
|
15-24
|
95.0
|
8.0
|
84.4
|
141
|
16,655
|
353,003
|
50,171,573
|
148
|
19,730
|
25-34
|
75.2
|
3.7
|
63.2
|
403
|
85,205
|
996,707
|
280,822,108
|
536
|
134,920
|
35-44
|
87.8
|
2.7
|
76.0
|
1,065
|
240,351
|
1,125,163
|
373,389,141
|
1,213
|
316,366
|
45-54
|
77.5
|
1.9
|
68.3
|
1,583
|
267,780
|
757,986
|
206,975,236
|
2,043
|
392,126
|
55-64
|
71.8
|
1.8
|
56.9
|
1,543
|
164,865
|
294,318
|
54,842,978
|
2,150
|
289,825
|
65-74
|
87.5
|
2.5
|
83.0
|
1,199
|
115,813
|
72,336
|
8,774,737
|
1,371
|
139,545
|
75-89
|
87.3
|
4.7
|
88.6
|
341
|
51,898
|
7,205
|
1,219,945
|
391
|
58,573
|
90+
|
83.8
|
83.8
|
310.2
|
1
|
859
|
6
|
1,228
|
1
|
277
|
Total
|
79.9
|
1.0
|
69.9
|
6,357
|
950,046
|
4,105,270
|
1,014,750,178
|
7,952
|
1,358,872
|
Ultimate Experience By Attained Age
|
15-19
|
107.5
|
17.7
|
92.2
|
37
|
1,578
|
112,352
|
5,682,427
|
34
|
1,711
|
20-29
|
95.2
|
7.3
|
87.2
|
171
|
6,587
|
352,121
|
15,057,690
|
180
|
7,556
|
30-39
|
102.8
|
6.2
|
76.0
|
273
|
8,109
|
390,352
|
15,883,247
|
266
|
10,673
|
40-49
|
102.3
|
3.3
|
88.4
|
949
|
59,982
|
713,368
|
52,998,404
|
928
|
67,889
|
50-59
|
92.4
|
1.5
|
84.9
|
3,628
|
230,351
|
1,171,332
|
90,451,211
|
3,925
|
271,303
|
60-69
|
78.1
|
0.9
|
77.6
|
7,889
|
360,175
|
968,152
|
50,918,191
|
10,106
|
464,185
|
70-79
|
86.0
|
0.7
|
74.5
|
13,355
|
326,344
|
576,874
|
17,434,248
|
15,526
|
437,948
|
80-89
|
100.5
|
0.7
|
84.4
|
22,162
|
374,258
|
329,422
|
6,920,288
|
22,054
|
443,246
|
90-99
|
76.9
|
0.9
|
81.0
|
8,112
|
106,754
|
54,622
|
704,207
|
10,543
|
131,732
|
100+
|
15.7
|
0.9
|
65.8
|
336
|
3,490
|
5,176
|
13,584
|
2,143
|
5,305
|
Total
|
86.6
|
0.4
|
80.2
|
56,912
|
1,477,627
|
4,673,769
|
256,063,497
|
65,704
|
1,841,546
|
GRAND TOTAL
|
85.9
|
0.3
|
75.9
|
63,269
|
2,427,673
|
8,779,040
|
1,270,813,675
|
73,656
|
3,200,418
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 2.1
TOTAL EXPERIENCE -- MALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
72.2
|
7.7
|
51.8
|
87
|
21,759
|
192,647
|
75,591,685
|
120
|
41,999
|
2
|
72.3
|
6.4
|
54.2
|
126
|
31,810
|
187,094
|
73,977,645
|
174
|
58,679
|
3
|
77.4
|
6.4
|
62.6
|
146
|
37,532
|
172,671
|
64,147,958
|
189
|
59,922
|
4
|
75.3
|
6.1
|
56.7
|
152
|
36,507
|
162,538
|
60,347,686
|
202
|
64,341
|
5
|
71.1
|
5.7
|
47.7
|
153
|
29,994
|
148,242
|
51,463,476
|
215
|
62,928
|
6-10
|
80.6
|
2.3
|
71.1
|
1,232
|
263,205
|
694,736
|
197,826,746
|
1,529
|
370,131
|
11-15
|
82.5
|
2.0
|
84.3
|
1,706
|
225,715
|
523,339
|
81,836,645
|
2,068
|
267,834
|
Total
|
80.1
|
1.3
|
69.8
|
3,602
|
646,522
|
2,081,267
|
605,191,841
|
4,498
|
925,834
|
Select Experience By Issue Age
|
0-4
|
85.9
|
18.3
|
75.1
|
22
|
1,213
|
149,987
|
9,938,925
|
26
|
1,614
|
5-14
|
81.6
|
14.4
|
84.0
|
32
|
2,695
|
103,011
|
9,099,402
|
39
|
3,207
|
15-24
|
95.7
|
9.6
|
81.4
|
100
|
11,645
|
168,904
|
24,822,692
|
104
|
14,310
|
25-34
|
67.4
|
4.5
|
56.8
|
225
|
52,477
|
472,248
|
148,648,072
|
334
|
92,370
|
35-44
|
90.6
|
3.5
|
73.0
|
658
|
162,176
|
587,692
|
230,562,951
|
726
|
222,117
|
45-54
|
80.2
|
2.6
|
71.1
|
960
|
200,334
|
408,910
|
138,960,918
|
1,197
|
281,931
|
55-64
|
71.5
|
2.4
|
56.4
|
901
|
119,080
|
156,367
|
38,038,087
|
1,260
|
210,983
|
65-74
|
87.6
|
3.6
|
99.8
|
606
|
78,299
|
32,090
|
4,713,691
|
692
|
78,424
|
75-89
|
81.4
|
8.2
|
89.4
|
98
|
18,603
|
2,055
|
406,834
|
120
|
20,812
|
90+
|
0.0
|
0.0
|
2.0
|
0
|
1
|
3
|
269
|
1
|
65
|
Total
|
80.1
|
1.3
|
69.8
|
3,602
|
646,522
|
2,081,267
|
605,191,841
|
4,498
|
925,834
|
Ultimate Experience By Attained Age
|
15-19
|
102.9
|
20.6
|
89.9
|
25
|
1,059
|
56,976
|
2,767,228
|
24
|
1,178
|
20-29
|
91.1
|
8.4
|
80.1
|
118
|
4,331
|
180,051
|
7,581,208
|
129
|
5,405
|
30-39
|
99.4
|
7.4
|
76.5
|
178
|
5,476
|
202,944
|
8,228,619
|
179
|
7,157
|
40-49
|
104.7
|
4.4
|
78.9
|
573
|
33,689
|
363,563
|
29,020,541
|
547
|
42,712
|
50-59
|
98.1
|
2.0
|
87.9
|
2,321
|
164,177
|
643,689
|
57,614,531
|
2,365
|
186,856
|
60-69
|
80.8
|
1.1
|
78.7
|
5,342
|
280,290
|
573,513
|
36,000,826
|
6,612
|
356,041
|
70-79
|
83.3
|
0.9
|
74.0
|
9,194
|
260,857
|
350,278
|
12,593,842
|
11,041
|
352,642
|
80-89
|
97.2
|
0.8
|
83.1
|
14,316
|
275,251
|
189,770
|
4,630,221
|
14,722
|
331,342
|
90-99
|
72.6
|
1.1
|
75.7
|
4,548
|
64,246
|
27,842
|
397,307
|
6,264
|
84,865
|
100+
|
10.8
|
0.9
|
43.6
|
160
|
1,368
|
3,362
|
7,278
|
1,477
|
3,136
|
Total
|
84.8
|
0.4
|
79.5
|
36,775
|
1,090,745
|
2,591,988
|
158,841,601
|
43,362
|
1,371,333
|
GRAND TOTAL
|
84.4
|
0.4
|
75.6
|
40,377
|
1,737,267
|
4,673,256
|
764,033,442
|
47,860
|
2,297,167
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 2.2
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
71.6
|
11.1
|
58.7
|
42
|
7,929
|
185,305
|
52,586,328
|
59
|
13,516
|
2
|
65.8
|
7.7
|
43.0
|
73
|
10,381
|
179,534
|
50,617,649
|
111
|
24,164
|
3
|
60.2
|
7.0
|
48.5
|
75
|
11,717
|
167,613
|
44,325,994
|
125
|
24,141
|
4
|
66.3
|
7.0
|
64.4
|
89
|
16,787
|
156,634
|
40,694,973
|
134
|
26,080
|
5
|
73.6
|
7.0
|
63.3
|
110
|
17,667
|
144,633
|
35,079,479
|
149
|
27,921
|
6-10
|
75.5
|
2.6
|
65.5
|
818
|
106,432
|
657,750
|
128,453,884
|
1,084
|
162,405
|
11-15
|
86.4
|
2.2
|
85.7
|
1,548
|
132,611
|
532,533
|
57,800,030
|
1,792
|
154,811
|
Total
|
79.8
|
1.5
|
70.1
|
2,755
|
303,524
|
2,024,003
|
409,558,337
|
3,454
|
433,038
|
Select Experience By Issue Age
|
0-4
|
81.1
|
21.7
|
94.4
|
14
|
1,140
|
146,338
|
10,334,285
|
17
|
1,207
|
5-14
|
76.9
|
21.3
|
106.2
|
13
|
1,573
|
99,212
|
9,180,621
|
17
|
1,481
|
15-24
|
93.2
|
14.6
|
92.4
|
41
|
5,010
|
184,099
|
25,348,880
|
44
|
5,420
|
25-34
|
88.0
|
6.6
|
76.9
|
178
|
32,728
|
524,458
|
132,174,036
|
202
|
42,550
|
35-44
|
83.6
|
4.1
|
82.9
|
407
|
78,175
|
537,471
|
142,826,189
|
487
|
94,249
|
45-54
|
73.6
|
2.9
|
61.2
|
623
|
67,446
|
349,076
|
68,014,319
|
847
|
110,195
|
55-64
|
72.1
|
2.8
|
58.1
|
642
|
45,785
|
137,951
|
16,804,890
|
890
|
78,842
|
65-74
|
87.4
|
3.6
|
61.4
|
593
|
37,514
|
40,246
|
4,061,046
|
679
|
61,121
|
75-89
|
89.9
|
5.8
|
88.2
|
243
|
33,295
|
5,150
|
813,111
|
270
|
37,761
|
90+
|
194.6
|
194.6
|
404.2
|
1
|
858
|
3
|
959
|
1
|
212
|
Total
|
79.8
|
1.5
|
70.1
|
2,755
|
303,524
|
2,024,003
|
409,558,337
|
3,454
|
433,038
|
Ultimate Experience By Attained Age
|
15-19
|
118.4
|
34.2
|
97.3
|
12
|
518
|
55,375
|
2,915,199
|
10
|
533
|
20-29
|
105.8
|
14.5
|
104.9
|
53
|
2,256
|
172,070
|
7,476,482
|
50
|
2,151
|
30-39
|
109.8
|
11.3
|
74.9
|
95
|
2,632
|
187,407
|
7,654,628
|
87
|
3,516
|
40-49
|
98.8
|
5.1
|
104.4
|
376
|
26,293
|
349,804
|
23,977,864
|
381
|
25,176
|
50-59
|
83.8
|
2.3
|
78.4
|
1,307
|
66,173
|
527,643
|
32,836,680
|
1,560
|
84,447
|
60-69
|
72.9
|
1.4
|
73.9
|
2,547
|
79,885
|
394,639
|
14,917,365
|
3,494
|
108,144
|
70-79
|
92.8
|
1.4
|
76.8
|
4,161
|
65,488
|
226,596
|
4,840,406
|
4,484
|
85,306
|
80-89
|
107.0
|
1.2
|
88.5
|
7,846
|
99,007
|
139,653
|
2,290,067
|
7,332
|
111,904
|
90-99
|
83.3
|
1.4
|
90.7
|
3,564
|
42,508
|
26,779
|
306,900
|
4,279
|
46,867
|
100+
|
26.4
|
2.0
|
97.8
|
176
|
2,122
|
1,814
|
6,306
|
666
|
2,169
|
Total
|
90.1
|
0.6
|
82.3
|
20,137
|
386,882
|
2,081,781
|
97,221,896
|
22,343
|
470,213
|
GRAND TOTAL
|
88.7
|
0.6
|
76.4
|
22,892
|
690,407
|
4,105,784
|
506,780,233
|
25,797
|
903,251
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.1
TOTAL EXPERIENCE -- MALES, MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
73.3
|
17.3
|
61.0
|
18
|
6,636
|
29,893
|
17,328,996
|
25
|
10,875
|
2
|
89.5
|
15.8
|
67.6
|
32
|
12,142
|
31,637
|
20,544,624
|
36
|
17,960
|
3
|
61.9
|
11.9
|
58.9
|
27
|
11,740
|
31,396
|
19,338,410
|
44
|
19,931
|
4
|
62.0
|
11.7
|
38.0
|
28
|
8,726
|
30,124
|
19,095,586
|
45
|
22,950
|
5
|
52.6
|
11.2
|
36.7
|
22
|
7,673
|
23,618
|
14,315,600
|
42
|
20,913
|
6-10
|
75.0
|
4.3
|
80.2
|
303
|
113,174
|
137,882
|
63,166,112
|
404
|
141,188
|
11-15
|
75.0
|
3.8
|
77.3
|
380
|
76,120
|
93,754
|
22,862,526
|
507
|
98,531
|
Total
|
73.5
|
2.6
|
71.1
|
810
|
236,211
|
378,304
|
176,651,856
|
1,102
|
332,349
|
Select Experience By Issue Age
|
0-4
|
72.2
|
72.2
|
74.6
|
1
|
100
|
7,202
|
759,074
|
1
|
134
|
5-14
|
170.1
|
76.1
|
214.4
|
5
|
735
|
6,374
|
824,489
|
3
|
343
|
15-24
|
111.0
|
33.5
|
128.4
|
11
|
2,593
|
15,294
|
3,435,268
|
10
|
2,019
|
25-34
|
78.2
|
11.7
|
74.7
|
45
|
17,501
|
81,919
|
37,898,628
|
58
|
23,431
|
35-44
|
78.5
|
7.2
|
64.4
|
119
|
44,237
|
126,327
|
71,287,212
|
152
|
68,678
|
45-54
|
81.3
|
5.7
|
65.9
|
205
|
61,947
|
89,484
|
44,636,835
|
252
|
94,022
|
55-64
|
63.1
|
4.4
|
57.1
|
209
|
52,546
|
39,218
|
15,162,131
|
331
|
92,091
|
65-74
|
74.2
|
5.4
|
111.5
|
189
|
46,399
|
11,691
|
2,447,318
|
255
|
41,602
|
75-89
|
65.1
|
12.8
|
101.9
|
26
|
10,153
|
792
|
200,635
|
40
|
9,965
|
90-120
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
64
|
Total
|
73.5
|
2.6
|
71.1
|
810
|
236,211
|
378,304
|
176,651,856
|
1,102
|
332,349
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.2
TOTAL EXPERIENCE -- MALES, NON-MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
75.2
|
16.8
|
68.8
|
20
|
3,945
|
62,213
|
13,669,223
|
27
|
5,735
|
2
|
83.4
|
17.4
|
64.9
|
23
|
2,385
|
43,962
|
6,468,192
|
28
|
3,677
|
3
|
79.8
|
18.3
|
97.6
|
19
|
2,286
|
35,372
|
3,776,480
|
24
|
2,342
|
4
|
113.4
|
19.2
|
65.6
|
35
|
2,168
|
37,972
|
4,667,957
|
31
|
3,303
|
5
|
113.3
|
16.9
|
91.4
|
45
|
4,561
|
40,523
|
5,551,080
|
40
|
4,992
|
6-10
|
104.9
|
5.8
|
80.4
|
328
|
31,525
|
203,007
|
27,692,432
|
313
|
39,232
|
11-15
|
91.9
|
3.9
|
94.0
|
561
|
58,357
|
216,927
|
24,151,426
|
610
|
62,057
|
Total
|
96.2
|
3.0
|
86.7
|
1,031
|
105,226
|
639,975
|
85,976,789
|
1,071
|
121,339
|
Select Experience By Issue Age
|
0-4
|
76.2
|
23.0
|
69.9
|
11
|
662
|
85,496
|
5,931,294
|
14
|
948
|
5-14
|
78.9
|
18.1
|
78.2
|
19
|
1,496
|
64,006
|
5,462,502
|
24
|
1,913
|
15-24
|
113.6
|
14.5
|
106.0
|
61
|
5,484
|
85,487
|
8,627,173
|
54
|
5,173
|
25-34
|
82.3
|
8.4
|
74.8
|
96
|
13,545
|
151,232
|
25,340,928
|
117
|
18,114
|
35-44
|
112.2
|
7.0
|
94.8
|
258
|
32,724
|
156,424
|
28,042,726
|
230
|
34,507
|
45-54
|
98.8
|
6.0
|
86.5
|
269
|
25,506
|
75,558
|
10,534,025
|
272
|
29,497
|
55-64
|
85.0
|
6.6
|
61.4
|
164
|
9,747
|
16,367
|
1,603,570
|
193
|
15,876
|
65-74
|
97.1
|
8.5
|
126.7
|
130
|
14,011
|
4,936
|
381,190
|
134
|
11,056
|
75-89
|
68.7
|
14.3
|
48.1
|
23
|
2,049
|
470
|
53,379
|
33
|
4,255
|
90-120
|
|
|
185.0
|
0
|
1
|
0
|
4
|
0
|
1
|
Total
|
96.2
|
3.0
|
86.7
|
1,031
|
105,226
|
639,975
|
85,976,789
|
1,071
|
121,339
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.3
TOTAL EXPERIENCE -- MALES, PARAMEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
47.6
|
11.5
|
34.8
|
17
|
4,623
|
46,121
|
22,785,335
|
36
|
13,297
|
2
|
68.8
|
10.4
|
53.8
|
44
|
10,888
|
59,538
|
25,503,380
|
64
|
20,252
|
3
|
90.5
|
11.7
|
63.5
|
60
|
12,369
|
54,235
|
21,837,181
|
66
|
19,480
|
4
|
77.4
|
10.6
|
68.9
|
53
|
13,102
|
47,259
|
18,766,664
|
68
|
19,025
|
5
|
61.7
|
8.8
|
56.5
|
49
|
11,930
|
44,673
|
18,089,363
|
79
|
21,125
|
6-10
|
73.6
|
4.2
|
60.9
|
304
|
56,324
|
169,928
|
55,703,667
|
413
|
92,454
|
11-15
|
74.7
|
4.6
|
97.6
|
268
|
40,630
|
66,795
|
14,318,384
|
359
|
41,608
|
Total
|
73.2
|
2.6
|
65.9
|
795
|
149,866
|
488,549
|
177,003,974
|
1,086
|
227,242
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
995
|
256,692
|
0
|
39
|
5-14
|
128.7
|
128.7
|
122.2
|
1
|
250
|
1,870
|
508,814
|
1
|
205
|
15-24
|
58.6
|
20.7
|
56.3
|
8
|
1,993
|
23,583
|
6,426,087
|
14
|
3,540
|
25-34
|
42.0
|
7.7
|
36.6
|
30
|
9,559
|
115,680
|
45,547,637
|
71
|
26,120
|
35-44
|
80.7
|
7.3
|
70.8
|
121
|
41,215
|
149,313
|
67,508,173
|
150
|
58,234
|
45-54
|
68.9
|
4.5
|
71.0
|
234
|
59,112
|
132,026
|
45,105,738
|
339
|
83,228
|
55-64
|
74.4
|
4.4
|
60.6
|
291
|
29,286
|
58,150
|
11,014,058
|
391
|
48,326
|
65-74
|
88.2
|
9.1
|
118.6
|
94
|
8,158
|
6,678
|
620,571
|
107
|
6,881
|
75-89
|
129.9
|
32.5
|
43.5
|
16
|
292
|
253
|
16,203
|
12
|
672
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
73.2
|
2.6
|
65.9
|
795
|
149,866
|
488,549
|
177,003,974
|
1,086
|
227,242
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.4
TOTAL EXPERIENCE -- MALES, UNKNOWN UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
95.3
|
16.9
|
54.2
|
32
|
6,555
|
54,420
|
21,808,130
|
34
|
12,092
|
2
|
57.4
|
11.0
|
38.1
|
27
|
6,395
|
51,957
|
21,461,449
|
47
|
16,790
|
3
|
72.7
|
11.5
|
61.3
|
40
|
11,137
|
51,668
|
19,195,887
|
55
|
18,170
|
4
|
62.9
|
10.5
|
65.6
|
36
|
12,511
|
47,184
|
17,817,479
|
57
|
19,062
|
5
|
68.0
|
11.2
|
36.7
|
37
|
5,830
|
39,429
|
13,507,433
|
54
|
15,897
|
6-10
|
74.4
|
4.3
|
63.9
|
297
|
62,183
|
183,918
|
51,264,535
|
399
|
97,257
|
11-15
|
83.9
|
3.8
|
77.1
|
497
|
50,608
|
145,864
|
20,504,309
|
592
|
65,638
|
Total
|
78.0
|
2.5
|
63.4
|
966
|
155,219
|
574,439
|
165,559,222
|
1,239
|
244,904
|
Select Experience By Issue Age
|
0-4
|
103.7
|
32.8
|
91.1
|
10
|
450
|
56,294
|
2,991,864
|
10
|
494
|
5-14
|
61.3
|
23.2
|
28.6
|
7
|
213
|
30,761
|
2,303,596
|
11
|
746
|
15-24
|
73.5
|
16.4
|
44.0
|
20
|
1,575
|
44,539
|
6,334,165
|
27
|
3,578
|
25-34
|
61.3
|
8.3
|
48.1
|
54
|
11,872
|
123,417
|
39,860,880
|
88
|
24,705
|
35-44
|
82.3
|
6.5
|
72.5
|
160
|
44,000
|
155,628
|
63,724,839
|
194
|
60,699
|
45-54
|
75.8
|
4.8
|
71.5
|
252
|
53,770
|
111,842
|
38,684,320
|
332
|
75,184
|
55-64
|
68.8
|
4.5
|
50.3
|
237
|
27,500
|
42,632
|
10,258,328
|
344
|
54,690
|
65-74
|
98.1
|
7.1
|
51.5
|
193
|
9,730
|
8,786
|
1,264,613
|
197
|
18,886
|
75-89
|
95.3
|
16.6
|
103.2
|
33
|
6,108
|
540
|
136,618
|
35
|
5,921
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
78.0
|
2.5
|
63.4
|
966
|
155,219
|
574,439
|
165,559,222
|
1,239
|
244,904
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.5
TOTAL EXPERIENCE -- FEMALES, MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
90.5
|
26.1
|
98.2
|
12
|
3,753
|
27,903
|
10,984,243
|
13
|
3,823
|
2
|
56.7
|
16.4
|
19.5
|
12
|
1,343
|
26,879
|
11,962,960
|
21
|
6,889
|
3
|
53.4
|
14.3
|
25.2
|
14
|
1,768
|
26,463
|
10,955,384
|
26
|
7,014
|
4
|
45.1
|
13.0
|
40.0
|
12
|
3,135
|
24,659
|
10,205,564
|
27
|
7,846
|
5
|
58.4
|
15.6
|
35.7
|
14
|
3,064
|
19,399
|
7,878,738
|
24
|
8,590
|
6-10
|
74.8
|
5.5
|
63.3
|
187
|
33,987
|
115,228
|
33,432,457
|
250
|
53,675
|
11-15
|
91.1
|
4.6
|
97.7
|
386
|
54,554
|
88,008
|
13,609,308
|
424
|
55,846
|
Total
|
81.1
|
3.2
|
70.7
|
637
|
101,604
|
328,540
|
99,028,654
|
785
|
143,684
|
Select Experience By Issue Age
|
0-4
|
344.0
|
198.6
|
487.6
|
3
|
467
|
7,180
|
806,548
|
1
|
96
|
5-14
|
238.3
|
137.6
|
573.5
|
3
|
902
|
6,431
|
881,984
|
1
|
157
|
15-24
|
117.5
|
52.6
|
110.3
|
5
|
800
|
17,121
|
3,387,284
|
4
|
726
|
25-34
|
109.9
|
17.8
|
91.4
|
38
|
9,095
|
87,654
|
30,599,756
|
35
|
9,956
|
35-44
|
77.9
|
9.3
|
72.9
|
70
|
17,883
|
102,196
|
37,083,056
|
90
|
24,518
|
45-54
|
72.7
|
7.1
|
63.0
|
106
|
19,268
|
65,813
|
18,378,307
|
146
|
30,606
|
55-64
|
65.6
|
6.0
|
62.0
|
120
|
17,442
|
26,760
|
5,471,993
|
183
|
28,146
|
65-74
|
89.6
|
6.2
|
53.2
|
208
|
16,246
|
13,465
|
1,978,905
|
232
|
30,540
|
75-89
|
89.5
|
9.8
|
99.6
|
83
|
18,643
|
1,918
|
439,864
|
93
|
18,727
|
90-120
|
194.6
|
194.6
|
404.5
|
1
|
858
|
3
|
958
|
1
|
212
|
Total
|
81.1
|
3.2
|
70.7
|
637
|
101,604
|
328,540
|
99,028,654
|
785
|
143,684
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.6
TOTAL EXPERIENCE -- FEMALES, NON-MEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
71.2
|
22.5
|
59.0
|
10
|
1,516
|
68,305
|
13,687,468
|
14
|
2,570
|
2
|
80.1
|
20.0
|
53.9
|
16
|
1,231
|
50,543
|
7,071,277
|
20
|
2,284
|
3
|
74.6
|
19.9
|
61.6
|
14
|
998
|
41,857
|
4,437,154
|
19
|
1,620
|
4
|
79.5
|
17.8
|
60.5
|
20
|
1,507
|
44,541
|
5,442,094
|
25
|
2,491
|
5
|
83.0
|
16.0
|
71.4
|
27
|
2,467
|
47,131
|
6,087,994
|
33
|
3,455
|
6-10
|
78.9
|
5.4
|
66.5
|
213
|
18,053
|
225,184
|
27,204,643
|
270
|
27,145
|
11-15
|
88.8
|
4.1
|
79.5
|
476
|
31,542
|
236,247
|
20,666,730
|
536
|
39,684
|
Total
|
84.7
|
3.0
|
72.3
|
776
|
57,314
|
713,809
|
84,597,359
|
916
|
79,249
|
Select Experience By Issue Age
|
0-4
|
60.8
|
24.8
|
56.9
|
6
|
405
|
84,748
|
6,210,175
|
10
|
712
|
5-14
|
57.4
|
23.4
|
54.0
|
6
|
471
|
61,926
|
5,457,803
|
10
|
873
|
15-24
|
102.8
|
21.0
|
103.0
|
24
|
2,211
|
95,146
|
9,368,335
|
23
|
2,148
|
25-34
|
92.7
|
10.9
|
79.6
|
73
|
8,307
|
184,487
|
27,467,771
|
79
|
10,433
|
35-44
|
83.7
|
6.7
|
82.6
|
155
|
17,197
|
174,714
|
25,627,819
|
185
|
20,809
|
45-54
|
86.2
|
6.0
|
68.1
|
206
|
11,629
|
85,585
|
8,701,659
|
239
|
17,079
|
55-64
|
75.8
|
7.0
|
45.1
|
117
|
3,780
|
18,888
|
1,175,564
|
154
|
8,383
|
65-74
|
89.0
|
8.2
|
70.7
|
119
|
6,172
|
6,961
|
426,769
|
134
|
8,731
|
75-89
|
85.8
|
10.3
|
70.9
|
70
|
7,142
|
1,354
|
161,462
|
82
|
10,081
|
90-120
|
|
|
50.9
|
0
|
0
|
0
|
1
|
0
|
0
|
Total
|
84.7
|
3.0
|
72.3
|
776
|
57,314
|
713,809
|
84,597,359
|
916
|
79,249
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.7
TOTAL EXPERIENCE -- FEMALES, PARAMEDICAL UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
57.6
|
19.2
|
33.8
|
9
|
1,238
|
38,689
|
13,627,482
|
16
|
3,667
|
2
|
55.4
|
11.6
|
50.6
|
23
|
4,245
|
55,223
|
17,919,485
|
41
|
8,398
|
3
|
48.8
|
10.4
|
35.0
|
22
|
2,930
|
51,739
|
16,005,190
|
45
|
8,370
|
4
|
84.0
|
13.5
|
102.4
|
39
|
8,476
|
44,570
|
13,563,680
|
46
|
8,277
|
5
|
75.3
|
11.6
|
78.4
|
42
|
7,297
|
41,574
|
12,687,300
|
56
|
9,308
|
6-10
|
76.8
|
5.2
|
75.5
|
220
|
30,332
|
151,600
|
36,645,124
|
286
|
40,173
|
11-15
|
76.5
|
5.2
|
68.0
|
220
|
13,866
|
61,562
|
8,899,102
|
287
|
20,405
|
Total
|
73.9
|
3.1
|
69.4
|
575
|
68,384
|
444,956
|
119,347,363
|
778
|
98,597
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
939
|
224,116
|
0
|
25
|
5-14
|
317.7
|
317.7
|
147.5
|
1
|
125
|
1,760
|
465,668
|
0
|
85
|
15-24
|
107.5
|
43.9
|
88.7
|
6
|
1,150
|
26,544
|
6,653,074
|
6
|
1,296
|
25-34
|
59.1
|
12.3
|
56.3
|
23
|
6,430
|
124,862
|
40,615,428
|
39
|
11,413
|
35-44
|
99.0
|
10.9
|
100.3
|
82
|
24,027
|
122,414
|
42,170,425
|
83
|
23,951
|
45-54
|
60.6
|
5.2
|
55.8
|
137
|
18,922
|
104,718
|
22,959,601
|
226
|
33,918
|
55-64
|
71.3
|
4.8
|
60.3
|
218
|
12,903
|
55,005
|
5,711,763
|
306
|
21,381
|
65-74
|
89.5
|
9.6
|
66.7
|
86
|
3,287
|
8,119
|
504,428
|
96
|
4,924
|
75-89
|
97.2
|
20.7
|
96.1
|
22
|
1,541
|
595
|
42,859
|
23
|
1,605
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
73.9
|
3.1
|
69.4
|
575
|
68,384
|
444,956
|
119,347,363
|
778
|
98,597
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 3.8
TOTAL EXPERIENCE -- FEMALES, UNKNOWN UNDERWRITING
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
70.0
|
21.1
|
41.2
|
11
|
1,422
|
50,408
|
14,287,135
|
16
|
3,456
|
2
|
77.8
|
16.6
|
54.0
|
22
|
3,562
|
46,889
|
13,663,927
|
28
|
6,594
|
3
|
72.3
|
14.5
|
84.3
|
25
|
6,021
|
47,555
|
12,928,266
|
35
|
7,138
|
4
|
49.8
|
11.7
|
49.2
|
18
|
3,669
|
42,864
|
11,483,635
|
36
|
7,465
|
5
|
72.6
|
14.0
|
73.7
|
27
|
4,839
|
36,529
|
8,425,447
|
37
|
6,567
|
6-10
|
71.4
|
5.1
|
58.1
|
198
|
24,059
|
165,738
|
31,171,661
|
277
|
41,412
|
11-15
|
85.5
|
4.0
|
84.0
|
466
|
32,650
|
146,715
|
14,624,890
|
545
|
38,876
|
Total
|
78.7
|
2.8
|
68.4
|
767
|
76,222
|
536,698
|
106,584,961
|
974
|
111,508
|
Select Experience By Issue Age
|
0-4
|
77.9
|
34.8
|
71.6
|
5
|
268
|
53,470
|
3,093,445
|
6
|
374
|
5-14
|
61.5
|
35.5
|
20.5
|
3
|
75
|
29,094
|
2,375,166
|
5
|
366
|
15-24
|
55.6
|
22.7
|
67.8
|
6
|
848
|
45,287
|
5,940,187
|
11
|
1,251
|
25-34
|
88.1
|
13.3
|
82.8
|
44
|
8,896
|
127,455
|
33,491,081
|
50
|
10,749
|
35-44
|
77.6
|
7.8
|
76.4
|
100
|
19,068
|
138,148
|
37,944,889
|
129
|
24,971
|
45-54
|
73.8
|
5.6
|
61.7
|
174
|
17,627
|
92,961
|
17,974,752
|
236
|
28,592
|
55-64
|
75.7
|
5.5
|
55.7
|
187
|
11,661
|
37,298
|
4,445,571
|
247
|
20,933
|
65-74
|
83.0
|
6.2
|
69.8
|
180
|
11,810
|
11,701
|
1,150,944
|
217
|
16,925
|
75-89
|
92.7
|
11.2
|
81.2
|
68
|
5,968
|
1,283
|
168,926
|
73
|
7,348
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
78.7
|
2.8
|
68.4
|
767
|
76,222
|
536,698
|
106,584,961
|
974
|
111,508
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.1
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
92.8
|
19.3
|
35.2
|
23
|
1,864
|
23,749
|
6,606,739
|
25
|
5,304
|
2
|
49.1
|
10.5
|
50.9
|
22
|
4,829
|
22,239
|
6,304,586
|
45
|
9,493
|
3
|
68.3
|
11.9
|
44.4
|
33
|
4,072
|
21,375
|
5,418,092
|
48
|
9,182
|
4
|
79.2
|
12.5
|
68.4
|
40
|
6,965
|
20,184
|
5,265,971
|
51
|
10,186
|
5
|
78.9
|
12.2
|
66.4
|
42
|
6,352
|
18,573
|
4,331,562
|
53
|
9,567
|
6-10
|
86.8
|
4.8
|
67.2
|
331
|
41,093
|
96,296
|
19,077,731
|
381
|
61,185
|
11-15
|
85.6
|
4.0
|
74.6
|
467
|
32,570
|
92,589
|
9,045,756
|
546
|
43,631
|
Total
|
83.4
|
2.7
|
65.8
|
958
|
97,746
|
295,005
|
56,050,437
|
1,148
|
148,549
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,889
|
130,756
|
1
|
50
|
5-14
|
104.0
|
30.0
|
118.9
|
12
|
771
|
22,241
|
1,297,030
|
12
|
649
|
15-24
|
121.9
|
20.6
|
91.6
|
35
|
2,893
|
33,408
|
3,864,378
|
29
|
3,157
|
25-34
|
66.0
|
8.5
|
65.2
|
60
|
12,110
|
79,178
|
18,014,700
|
91
|
18,567
|
35-44
|
92.5
|
6.4
|
73.4
|
211
|
32,956
|
85,556
|
21,211,613
|
228
|
44,915
|
45-54
|
79.5
|
4.5
|
61.5
|
306
|
32,287
|
54,034
|
9,779,881
|
385
|
52,477
|
55-64
|
78.2
|
5.2
|
54.9
|
226
|
12,938
|
15,048
|
1,621,027
|
289
|
23,573
|
65-74
|
95.5
|
9.5
|
70.4
|
101
|
3,434
|
2,541
|
127,272
|
106
|
4,879
|
75-89
|
87.1
|
32.9
|
126.6
|
7
|
357
|
110
|
3,779
|
8
|
282
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
83.4
|
2.7
|
65.8
|
958
|
97,746
|
295,005
|
56,050,437
|
1,148
|
148,549
|
Ultimate Experience By Attained Age
|
15-19
|
66.9
|
38.6
|
77.9
|
3
|
162
|
10,306
|
480,633
|
4
|
208
|
20-29
|
92.4
|
19.3
|
79.2
|
23
|
770
|
34,451
|
1,360,522
|
25
|
972
|
30-39
|
89.6
|
14.9
|
88.5
|
36
|
1,513
|
35,733
|
1,506,452
|
40
|
1,709
|
40-49
|
81.9
|
8.1
|
68.2
|
102
|
6,310
|
50,658
|
3,658,697
|
125
|
9,249
|
50-59
|
86.2
|
3.8
|
88.2
|
517
|
40,313
|
87,053
|
6,733,392
|
600
|
45,704
|
60-69
|
80.3
|
2.6
|
88.4
|
967
|
57,686
|
56,553
|
3,205,687
|
1,204
|
65,232
|
70-79
|
88.1
|
2.7
|
74.9
|
1,090
|
29,838
|
24,661
|
814,024
|
1,237
|
39,821
|
80-89
|
110.0
|
3.9
|
106.8
|
798
|
16,728
|
7,893
|
172,713
|
725
|
15,664
|
90-99
|
74.3
|
7.8
|
87.5
|
90
|
1,291
|
566
|
7,379
|
121
|
1,477
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13
|
12
|
6
|
5
|
Total
|
88.7
|
1.5
|
85.9
|
3,626
|
154,612
|
307,887
|
17,939,513
|
4,087
|
180,041
|
GRAND TOTAL
|
87.6
|
1.3
|
76.8
|
4,584
|
252,358
|
602,892
|
73,989,950
|
5,235
|
328,590
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.2
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
64.4
|
9.2
|
52.4
|
49
|
15,022
|
123,712
|
54,621,967
|
76
|
28,666
|
2
|
77.5
|
8.5
|
58.6
|
83
|
22,725
|
123,090
|
53,848,924
|
107
|
38,784
|
3
|
83.5
|
8.3
|
73.5
|
101
|
30,646
|
116,783
|
48,523,418
|
121
|
41,720
|
4
|
75.9
|
7.6
|
58.0
|
100
|
26,403
|
110,617
|
46,031,978
|
132
|
45,521
|
5
|
67.4
|
6.9
|
44.3
|
96
|
19,531
|
100,693
|
38,799,259
|
142
|
44,102
|
6-10
|
79.4
|
2.7
|
72.9
|
847
|
209,789
|
491,415
|
161,119,700
|
1,067
|
287,784
|
11-15
|
81.0
|
2.4
|
82.3
|
1,165
|
179,201
|
347,880
|
67,109,619
|
1,438
|
217,762
|
Total
|
79.2
|
1.6
|
71.5
|
2,441
|
503,318
|
1,414,189
|
470,054,866
|
3,084
|
704,339
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
951
|
81,533
|
0
|
32
|
5-14
|
56.7
|
32.7
|
52.7
|
3
|
325
|
9,453
|
1,128,956
|
5
|
617
|
15-24
|
86.8
|
11.6
|
83.7
|
56
|
8,033
|
115,126
|
17,982,277
|
65
|
9,595
|
25-34
|
68.1
|
5.6
|
54.6
|
150
|
36,078
|
352,173
|
115,020,280
|
220
|
66,097
|
35-44
|
88.9
|
4.4
|
72.4
|
408
|
116,865
|
453,347
|
186,202,734
|
459
|
161,417
|
45-54
|
81.5
|
3.3
|
72.6
|
612
|
149,195
|
321,541
|
112,985,463
|
751
|
205,422
|
55-64
|
70.7
|
2.8
|
59.1
|
648
|
101,034
|
131,432
|
32,059,312
|
916
|
171,006
|
65-74
|
85.6
|
3.9
|
105.6
|
480
|
73,639
|
28,307
|
4,194,194
|
560
|
69,718
|
75-89
|
78.6
|
8.6
|
89.1
|
84
|
18,149
|
1,858
|
399,851
|
107
|
20,372
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
64
|
Total
|
79.2
|
1.6
|
71.5
|
2,441
|
503,318
|
1,414,189
|
470,054,866
|
3,084
|
704,339
|
Ultimate Experience By Attained Age
|
15-19
|
86.8
|
50.1
|
106.6
|
3
|
257
|
7,809
|
546,964
|
3
|
241
|
20-29
|
93.5
|
21.5
|
102.1
|
19
|
1,138
|
28,052
|
1,556,655
|
20
|
1,116
|
30-39
|
98.1
|
15.5
|
73.6
|
40
|
2,069
|
52,903
|
3,641,186
|
41
|
2,811
|
40-49
|
93.0
|
6.4
|
77.9
|
214
|
20,896
|
184,485
|
21,095,934
|
230
|
26,837
|
50-59
|
87.6
|
3.4
|
85.9
|
683
|
91,024
|
306,881
|
41,738,023
|
780
|
105,984
|
60-69
|
75.0
|
2.1
|
78.5
|
1,315
|
159,484
|
210,857
|
25,129,950
|
1,754
|
203,234
|
70-79
|
79.3
|
1.8
|
69.9
|
1,916
|
136,176
|
97,244
|
8,040,378
|
2,417
|
194,875
|
80-89
|
89.1
|
1.8
|
74.9
|
2,353
|
132,343
|
38,895
|
2,665,882
|
2,640
|
176,691
|
90-99
|
78.7
|
3.6
|
68.7
|
474
|
23,894
|
2,926
|
166,389
|
602
|
34,782
|
100+
|
36.9
|
21.3
|
115.5
|
3
|
521
|
19
|
1,079
|
8
|
451
|
Total
|
82.6
|
1.0
|
76.0
|
7,020
|
567,802
|
930,069
|
104,582,441
|
8,496
|
747,022
|
GRAND TOTAL
|
81.7
|
0.8
|
73.8
|
9,461
|
1,071,120
|
2,344,258
|
574,637,306
|
11,580
|
1,451,362
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.3
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
76.8
|
19.8
|
60.7
|
15
|
4,872
|
45,186
|
14,362,980
|
20
|
8,029
|
2
|
93.6
|
20.4
|
40.9
|
21
|
4,256
|
41,765
|
13,824,135
|
22
|
10,402
|
3
|
61.6
|
17.8
|
31.2
|
12
|
2,813
|
34,513
|
10,206,448
|
19
|
9,020
|
4
|
61.9
|
17.9
|
36.4
|
12
|
3,139
|
31,737
|
9,049,737
|
19
|
8,633
|
5
|
76.0
|
19.6
|
44.4
|
15
|
4,110
|
28,977
|
8,332,655
|
20
|
9,259
|
6-10
|
66.8
|
9.1
|
58.2
|
54
|
12,323
|
107,025
|
17,629,314
|
81
|
21,161
|
11-15
|
87.6
|
10.2
|
216.5
|
74
|
13,944
|
82,870
|
5,681,269
|
84
|
6,440
|
Total
|
76.4
|
5.4
|
62.3
|
203
|
45,458
|
372,073
|
79,086,538
|
266
|
72,945
|
Select Experience By Issue Age
|
0-4
|
91.1
|
19.4
|
79.1
|
22
|
1,213
|
146,147
|
9,726,636
|
24
|
1,532
|
5-14
|
75.9
|
18.4
|
82.3
|
17
|
1,598
|
71,317
|
6,673,415
|
22
|
1,942
|
15-24
|
79.8
|
26.6
|
46.1
|
9
|
718
|
20,370
|
2,976,037
|
11
|
1,558
|
25-34
|
66.9
|
17.3
|
55.7
|
15
|
4,290
|
40,897
|
15,613,092
|
22
|
7,706
|
35-44
|
100.0
|
16.0
|
78.3
|
39
|
12,355
|
48,789
|
23,148,604
|
39
|
15,784
|
45-54
|
69.1
|
10.7
|
78.4
|
42
|
18,851
|
33,334
|
16,195,573
|
61
|
24,032
|
55-64
|
49.5
|
9.5
|
31.1
|
27
|
5,108
|
9,888
|
4,357,748
|
55
|
16,405
|
65-74
|
97.2
|
19.4
|
32.0
|
25
|
1,226
|
1,243
|
392,225
|
26
|
3,828
|
75-89
|
126.6
|
47.9
|
61.3
|
7
|
97
|
88
|
3,204
|
6
|
158
|
90+
|
|
|
185.0
|
0
|
1
|
0
|
4
|
0
|
1
|
Total
|
76.4
|
5.4
|
62.3
|
203
|
45,458
|
372,073
|
79,086,538
|
266
|
72,945
|
Ultimate Experience By Attained Age
|
15-19
|
116.2
|
26.7
|
87.8
|
19
|
640
|
38,862
|
1,739,631
|
16
|
729
|
20-29
|
90.2
|
10.3
|
73.0
|
76
|
2,423
|
117,548
|
4,664,031
|
84
|
3,318
|
30-39
|
103.9
|
10.3
|
71.9
|
102
|
1,895
|
114,308
|
3,080,980
|
98
|
2,636
|
40-49
|
133.5
|
8.3
|
97.8
|
257
|
6,482
|
128,421
|
4,265,910
|
192
|
6,626
|
50-59
|
113.8
|
3.4
|
93.4
|
1,121
|
32,840
|
249,755
|
9,143,115
|
985
|
35,168
|
60-69
|
83.7
|
1.5
|
72.1
|
3,060
|
63,119
|
306,103
|
7,665,188
|
3,654
|
87,574
|
70-79
|
83.8
|
1.1
|
80.4
|
6,188
|
94,843
|
228,373
|
3,739,440
|
7,387
|
117,946
|
80-89
|
98.3
|
0.9
|
90.8
|
11,165
|
126,180
|
142,981
|
1,791,626
|
11,357
|
138,987
|
90-99
|
71.9
|
1.1
|
80.4
|
3,984
|
39,061
|
24,351
|
223,539
|
5,541
|
48,606
|
100+
|
10.7
|
0.9
|
31.6
|
157
|
847
|
3,330
|
6,187
|
1,464
|
2,680
|
Total
|
84.9
|
0.5
|
82.9
|
26,129
|
368,331
|
1,354,032
|
36,319,647
|
30,779
|
444,270
|
GRAND TOTAL
|
84.8
|
0.5
|
80.0
|
26,332
|
413,788
|
1,726,106
|
115,406,186
|
31,045
|
517,215
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.4
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
17.7
|
34.6
|
3
|
500
|
15,908
|
3,292,360
|
10
|
1,444
|
2
|
78.9
|
17.7
|
65.3
|
20
|
2,295
|
15,557
|
3,003,697
|
25
|
3,517
|
3
|
60.0
|
14.6
|
35.8
|
17
|
1,276
|
15,532
|
2,814,548
|
28
|
3,567
|
4
|
55.9
|
13.6
|
50.8
|
17
|
1,960
|
14,857
|
2,677,821
|
30
|
3,862
|
5
|
72.5
|
15.1
|
80.0
|
23
|
2,974
|
14,239
|
2,364,065
|
32
|
3,718
|
6-10
|
86.5
|
6.2
|
63.8
|
195
|
15,530
|
74,417
|
10,206,076
|
226
|
24,332
|
11-15
|
99.0
|
5.0
|
92.3
|
386
|
20,771
|
87,197
|
6,273,669
|
390
|
22,504
|
Total
|
89.2
|
3.5
|
72.0
|
661
|
45,307
|
237,706
|
30,632,236
|
741
|
62,944
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,747
|
132,131
|
0
|
22
|
5-14
|
67.3
|
38.9
|
215.3
|
3
|
557
|
20,996
|
1,255,571
|
4
|
259
|
15-24
|
113.3
|
34.2
|
107.4
|
11
|
973
|
31,359
|
3,143,501
|
10
|
906
|
25-34
|
94.0
|
15.4
|
71.3
|
37
|
3,918
|
58,943
|
10,136,152
|
39
|
5,495
|
35-44
|
72.2
|
7.1
|
63.2
|
104
|
10,675
|
61,391
|
9,693,987
|
144
|
16,890
|
45-54
|
80.4
|
5.4
|
60.9
|
218
|
13,785
|
44,664
|
5,001,207
|
271
|
22,620
|
55-64
|
97.4
|
7.2
|
78.8
|
183
|
8,897
|
14,459
|
1,069,754
|
188
|
11,294
|
65-74
|
117.9
|
12.8
|
111.1
|
85
|
4,455
|
2,945
|
174,246
|
72
|
4,011
|
75-89
|
170.1
|
38.0
|
141.4
|
20
|
2,047
|
201
|
25,685
|
12
|
1,448
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
89.2
|
3.5
|
72.0
|
661
|
45,307
|
237,706
|
30,632,236
|
741
|
62,944
|
Ultimate Experience By Attained Age
|
15-19
|
161.6
|
93.3
|
134.0
|
3
|
119
|
9,995
|
480,589
|
2
|
89
|
20-29
|
75.5
|
28.5
|
57.9
|
7
|
209
|
31,662
|
1,251,534
|
9
|
362
|
30-39
|
141.9
|
29.0
|
98.2
|
24
|
726
|
33,568
|
1,429,391
|
17
|
739
|
40-49
|
84.4
|
9.0
|
97.0
|
88
|
6,281
|
55,881
|
3,447,103
|
104
|
6,474
|
50-59
|
76.7
|
4.1
|
73.4
|
351
|
17,598
|
80,089
|
4,322,783
|
458
|
23,960
|
60-69
|
88.9
|
3.6
|
92.2
|
603
|
20,313
|
47,802
|
1,612,228
|
678
|
22,028
|
70-79
|
134.2
|
4.8
|
125.5
|
777
|
14,437
|
22,098
|
442,372
|
579
|
11,501
|
80-89
|
156.5
|
5.8
|
163.5
|
718
|
12,139
|
8,342
|
143,419
|
459
|
7,426
|
90-99
|
103.1
|
8.7
|
117.5
|
140
|
1,758
|
898
|
10,000
|
136
|
1,496
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16
|
13
|
5
|
4
|
Total
|
110.8
|
2.1
|
99.3
|
2,711
|
73,581
|
290,351
|
13,139,431
|
2,447
|
74,079
|
GRAND TOTAL
|
105.8
|
1.8
|
86.8
|
3,372
|
118,887
|
528,056
|
43,771,667
|
3,188
|
137,023
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.5
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
69.4
|
13.4
|
59.6
|
27
|
5,655
|
127,142
|
38,409,469
|
39
|
9,483
|
2
|
61.3
|
9.0
|
36.2
|
46
|
6,306
|
125,742
|
37,789,213
|
75
|
17,426
|
3
|
56.4
|
8.1
|
52.1
|
49
|
9,293
|
120,407
|
34,422,243
|
87
|
17,850
|
4
|
65.9
|
8.4
|
63.0
|
62
|
12,382
|
112,665
|
31,689,284
|
94
|
19,655
|
5
|
70.7
|
8.1
|
60.8
|
76
|
13,156
|
103,947
|
27,387,987
|
108
|
21,635
|
6-10
|
72.6
|
3.0
|
65.4
|
584
|
84,887
|
480,149
|
105,268,280
|
804
|
129,887
|
11-15
|
82.4
|
2.5
|
85.3
|
1,084
|
108,742
|
363,073
|
45,912,151
|
1,316
|
127,423
|
Total
|
76.4
|
1.7
|
70.0
|
1,928
|
240,422
|
1,433,126
|
320,878,626
|
2,522
|
343,359
|
Select Experience By Issue Age
|
0-4
|
647.3
|
647.3
|
184.3
|
1
|
25
|
913
|
80,732
|
0
|
14
|
5-14
|
47.4
|
47.4
|
41.2
|
1
|
100
|
9,220
|
1,084,736
|
2
|
243
|
15-24
|
99.3
|
18.4
|
103.5
|
29
|
3,962
|
131,498
|
19,066,416
|
29
|
3,829
|
25-34
|
88.0
|
7.7
|
78.5
|
132
|
26,365
|
420,503
|
107,611,614
|
150
|
33,604
|
35-44
|
86.8
|
5.2
|
85.0
|
276
|
60,254
|
431,938
|
118,001,685
|
318
|
70,884
|
45-54
|
70.8
|
3.6
|
62.5
|
380
|
49,955
|
280,594
|
55,915,745
|
537
|
79,887
|
55-64
|
64.2
|
3.1
|
56.5
|
428
|
35,805
|
117,831
|
14,582,341
|
667
|
63,329
|
65-74
|
83.2
|
3.8
|
58.1
|
479
|
32,268
|
35,911
|
3,757,661
|
576
|
55,502
|
75-89
|
82.8
|
5.8
|
86.0
|
201
|
30,829
|
4,715
|
776,738
|
243
|
35,856
|
90+
|
194.6
|
194.6
|
404.2
|
1
|
858
|
3
|
958
|
1
|
212
|
Total
|
76.4
|
1.7
|
70.0
|
1,928
|
240,422
|
1,433,126
|
320,878,626
|
2,522
|
343,359
|
Ultimate Experience By Attained Age
|
15-19
|
207.4
|
119.8
|
248.5
|
3
|
254
|
7,682
|
545,041
|
1
|
102
|
20-29
|
73.3
|
29.9
|
100.8
|
6
|
451
|
27,837
|
1,541,300
|
8
|
448
|
30-39
|
108.6
|
21.7
|
80.9
|
25
|
1,267
|
53,126
|
3,569,733
|
23
|
1,566
|
40-49
|
84.3
|
7.2
|
99.7
|
137
|
15,012
|
187,893
|
17,237,743
|
163
|
15,053
|
50-59
|
84.0
|
4.1
|
81.6
|
422
|
36,222
|
258,331
|
23,189,916
|
503
|
44,386
|
60-69
|
69.6
|
2.7
|
73.6
|
683
|
43,065
|
165,299
|
10,399,596
|
982
|
58,501
|
70-79
|
75.5
|
2.4
|
62.8
|
976
|
32,326
|
83,072
|
3,337,952
|
1,292
|
51,476
|
80-89
|
98.8
|
2.2
|
75.5
|
1,947
|
57,547
|
42,710
|
1,621,401
|
1,971
|
76,246
|
90-99
|
90.9
|
3.6
|
84.3
|
647
|
25,292
|
4,775
|
199,922
|
712
|
30,007
|
100+
|
97.7
|
32.6
|
212.5
|
9
|
1,578
|
28
|
2,258
|
9
|
743
|
Total
|
85.7
|
1.2
|
76.5
|
4,855
|
213,013
|
830,753
|
61,644,862
|
5,664
|
278,526
|
GRAND TOTAL
|
82.9
|
1.0
|
72.9
|
6,783
|
453,434
|
2,263,879
|
382,523,488
|
8,186
|
621,885
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 8.6
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
120.8
|
34.9
|
68.5
|
12
|
1,773
|
42,254
|
10,884,499
|
10
|
2,588
|
2
|
66.6
|
25.2
|
55.3
|
7
|
1,780
|
38,236
|
9,824,739
|
11
|
3,221
|
3
|
95.3
|
31.8
|
42.1
|
9
|
1,148
|
31,675
|
7,089,203
|
9
|
2,725
|
4
|
102.3
|
32.4
|
95.4
|
10
|
2,445
|
29,112
|
6,327,869
|
10
|
2,563
|
5
|
107.3
|
32.3
|
59.8
|
11
|
1,537
|
26,447
|
5,327,427
|
10
|
2,568
|
6-10
|
71.7
|
11.5
|
73.5
|
39
|
6,015
|
103,185
|
12,979,529
|
54
|
8,186
|
11-15
|
90.2
|
10.2
|
63.4
|
78
|
3,097
|
82,263
|
5,614,210
|
87
|
4,884
|
Total
|
87.0
|
6.8
|
66.6
|
166
|
17,796
|
353,172
|
58,047,475
|
191
|
26,735
|
Select Experience By Issue Age
|
0-4
|
78.1
|
21.7
|
95.1
|
13
|
1,115
|
142,677
|
10,121,422
|
17
|
1,172
|
5-14
|
87.1
|
29.0
|
93.5
|
9
|
916
|
68,996
|
6,840,314
|
10
|
980
|
15-24
|
19.8
|
19.8
|
10.9
|
1
|
75
|
21,242
|
3,138,962
|
5
|
685
|
25-34
|
69.7
|
23.2
|
70.8
|
9
|
2,445
|
45,012
|
14,426,270
|
13
|
3,452
|
35-44
|
109.6
|
21.1
|
111.9
|
27
|
7,246
|
44,141
|
15,130,518
|
25
|
6,474
|
45-54
|
64.3
|
12.9
|
48.2
|
25
|
3,707
|
23,818
|
7,097,366
|
39
|
7,689
|
55-64
|
87.0
|
15.6
|
25.7
|
31
|
1,083
|
5,661
|
1,152,796
|
36
|
4,218
|
65-74
|
94.1
|
17.5
|
49.2
|
29
|
791
|
1,390
|
129,139
|
31
|
1,608
|
75-89
|
138.3
|
29.5
|
91.7
|
22
|
419
|
234
|
10,688
|
16
|
457
|
90+
|
|
|
155.3
|
0
|
0
|
0
|
1
|
0
|
0
|
Total
|
87.0
|
6.8
|
66.6
|
166
|
17,796
|
353,172
|
58,047,475
|
191
|
26,735
|
Ultimate Experience By Attained Age
|
15-19
|
87.9
|
35.9
|
42.5
|
6
|
145
|
37,699
|
1,889,568
|
7
|
342
|
20-29
|
122.6
|
19.4
|
118.9
|
40
|
1,595
|
112,571
|
4,683,649
|
33
|
1,341
|
30-39
|
98.8
|
14.6
|
52.8
|
46
|
639
|
100,713
|
2,655,504
|
47
|
1,211
|
40-49
|
132.6
|
10.8
|
137.0
|
151
|
5,000
|
106,031
|
3,293,018
|
114
|
3,650
|
50-59
|
89.0
|
3.9
|
76.7
|
534
|
12,353
|
189,222
|
5,323,981
|
600
|
16,101
|
60-69
|
68.8
|
1.9
|
59.8
|
1,261
|
16,507
|
181,538
|
2,905,540
|
1,833
|
27,615
|
70-79
|
92.2
|
1.9
|
83.9
|
2,408
|
18,725
|
121,427
|
1,060,083
|
2,613
|
22,330
|
80-89
|
105.7
|
1.5
|
103.9
|
5,181
|
29,321
|
88,600
|
525,247
|
4,902
|
28,231
|
90-99
|
80.9
|
1.5
|
100.6
|
2,777
|
15,458
|
21,106
|
96,977
|
3,431
|
15,364
|
100+
|
25.6
|
2.0
|
38.3
|
167
|
545
|
1,770
|
4,035
|
652
|
1,423
|
Total
|
88.3
|
0.8
|
85.3
|
12,571
|
100,289
|
960,677
|
22,437,603
|
14,231
|
117,608
|
GRAND TOTAL
|
88.3
|
0.8
|
81.8
|
12,737
|
118,085
|
1,313,849
|
80,485,078
|
14,422
|
144,343
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 9.1
TOTAL EXPERIENCE -- WHOLE LIFE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
106.5
|
18.3
|
75.6
|
34
|
3,243
|
66,992
|
10,103,752
|
32
|
4,289
|
2
|
113.3
|
16.4
|
77.7
|
48
|
4,143
|
54,162
|
8,587,332
|
42
|
5,330
|
3
|
85.7
|
13.2
|
60.7
|
42
|
3,229
|
51,127
|
6,597,159
|
49
|
5,319
|
4
|
97.8
|
13.6
|
26.5
|
52
|
1,497
|
47,598
|
6,890,277
|
53
|
5,647
|
5
|
76.9
|
11.3
|
38.9
|
46
|
2,444
|
43,924
|
6,202,928
|
60
|
6,280
|
6-10
|
84.2
|
4.8
|
44.6
|
303
|
16,802
|
212,875
|
24,683,354
|
360
|
37,640
|
11-15
|
90.3
|
3.1
|
77.6
|
857
|
43,817
|
295,694
|
21,859,563
|
949
|
56,438
|
Total
|
89.4
|
2.4
|
62.2
|
1,382
|
75,175
|
772,373
|
84,924,365
|
1,545
|
120,944
|
Select Experience By Issue Age
|
0-4
|
74.4
|
17.5
|
60.9
|
18
|
902
|
163,357
|
10,378,117
|
24
|
1,480
|
5-29
|
82.7
|
8.6
|
58.5
|
92
|
6,281
|
272,967
|
27,548,736
|
111
|
10,735
|
30-44
|
91.1
|
6.7
|
65.8
|
187
|
16,905
|
181,411
|
29,522,064
|
205
|
25,678
|
45-59
|
86.6
|
3.9
|
57.5
|
498
|
25,431
|
117,991
|
14,843,188
|
575
|
44,215
|
60-74
|
89.2
|
4.1
|
55.4
|
476
|
17,670
|
34,664
|
2,494,939
|
534
|
31,882
|
75-89
|
116.3
|
11.1
|
106.7
|
110
|
7,126
|
1,977
|
136,097
|
95
|
6,679
|
90-120
|
83.8
|
83.8
|
310.8
|
1
|
858
|
6
|
1,223
|
1
|
276
|
Total
|
89.4
|
2.4
|
62.2
|
1,382
|
75,175
|
772,373
|
84,924,365
|
1,545
|
120,944
|
Ultimate Experience By Attained Age
|
15-29
|
98.6
|
7.9
|
91.3
|
157
|
6,221
|
342,497
|
15,211,941
|
159
|
6,816
|
30-44
|
109.6
|
5.3
|
82.1
|
428
|
12,795
|
495,564
|
19,658,221
|
391
|
15,586
|
45-59
|
97.9
|
1.8
|
83.9
|
3,015
|
119,328
|
1,054,267
|
53,405,574
|
3,081
|
142,189
|
60-74
|
78.4
|
0.8
|
71.3
|
10,275
|
250,377
|
943,151
|
28,963,141
|
13,107
|
350,918
|
75-89
|
98.7
|
0.6
|
88.8
|
24,947
|
331,777
|
478,908
|
7,465,816
|
25,285
|
373,626
|
90-120
|
64.4
|
0.8
|
81.7
|
7,235
|
68,562
|
52,186
|
420,295
|
11,235
|
83,946
|
Total
|
86.5
|
0.4
|
81.1
|
46,057
|
789,061
|
3,366,573
|
125,124,989
|
53,258
|
973,082
|
GRAND TOTAL
|
86.6
|
0.4
|
79.0
|
47,439
|
864,236
|
4,138,946
|
210,049,353
|
54,803
|
1,094,026
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
64.8
|
10.2
|
46.4
|
40
|
11,792
|
106,482
|
49,515,746
|
62
|
25,401
|
2
|
50.7
|
7.0
|
40.7
|
52
|
15,855
|
108,907
|
49,465,581
|
103
|
38,950
|
3
|
65.5
|
7.8
|
57.0
|
71
|
22,610
|
95,605
|
42,436,858
|
108
|
39,655
|
4
|
59.8
|
7.4
|
62.6
|
66
|
26,645
|
86,881
|
39,270,798
|
110
|
42,576
|
5
|
59.8
|
7.2
|
49.4
|
69
|
19,806
|
79,491
|
32,851,346
|
115
|
40,057
|
6-10
|
71.4
|
3.0
|
68.5
|
582
|
163,215
|
389,562
|
132,566,036
|
815
|
238,358
|
11-15
|
125.1
|
6.3
|
146.3
|
399
|
84,573
|
125,356
|
25,954,073
|
319
|
57,800
|
Total
|
78.3
|
2.2
|
71.4
|
1,279
|
344,495
|
992,284
|
372,060,438
|
1,633
|
482,796
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,937
|
245,289
|
0
|
32
|
5-29
|
77.7
|
11.7
|
61.6
|
44
|
9,676
|
130,430
|
38,333,402
|
57
|
15,713
|
30-44
|
87.8
|
4.5
|
74.3
|
373
|
111,266
|
477,919
|
200,215,461
|
425
|
149,829
|
45-59
|
76.2
|
3.0
|
65.7
|
653
|
163,178
|
341,445
|
123,072,118
|
857
|
248,500
|
60-74
|
71.3
|
4.9
|
88.3
|
209
|
60,375
|
39,537
|
10,180,208
|
293
|
68,340
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
17
|
13,960
|
0
|
381
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
78.3
|
2.2
|
71.4
|
1,279
|
344,495
|
992,284
|
372,060,438
|
1,633
|
482,796
|
Ultimate Experience By Attained Age
|
15-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
108
|
4,152
|
0
|
2
|
30-44
|
92.1
|
34.8
|
71.5
|
7
|
775
|
8,406
|
1,192,188
|
8
|
1,084
|
45-59
|
104.0
|
8.0
|
95.6
|
168
|
24,397
|
62,672
|
10,380,837
|
162
|
25,528
|
60-74
|
106.6
|
7.0
|
92.4
|
230
|
26,703
|
22,013
|
3,097,135
|
216
|
28,897
|
75-89
|
162.2
|
41.9
|
128.5
|
15
|
1,494
|
318
|
39,616
|
9
|
1,163
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
106.5
|
5.2
|
94.2
|
420
|
53,369
|
93,518
|
14,713,927
|
394
|
56,674
|
GRAND TOTAL
|
83.8
|
2.0
|
73.8
|
1,699
|
397,864
|
1,085,802
|
386,774,365
|
2,027
|
539,470
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
50.5
|
13.0
|
37.2
|
15
|
4,425
|
88,115
|
37,139,238
|
30
|
11,890
|
2
|
69.4
|
12.7
|
65.4
|
30
|
10,339
|
84,450
|
34,357,937
|
43
|
15,805
|
3
|
59.6
|
11.1
|
70.5
|
29
|
11,858
|
79,112
|
30,979,293
|
49
|
16,815
|
4
|
47.3
|
9.6
|
50.3
|
24
|
8,600
|
71,808
|
27,281,859
|
51
|
17,090
|
5
|
65.1
|
11.3
|
41.7
|
33
|
6,565
|
61,123
|
21,419,428
|
51
|
15,725
|
6-10
|
80.6
|
5.4
|
79.5
|
221
|
57,857
|
216,803
|
66,163,991
|
274
|
72,766
|
11-15
|
66.2
|
5.7
|
59.7
|
135
|
24,263
|
80,190
|
17,439,249
|
204
|
40,623
|
Total
|
69.4
|
3.1
|
65.0
|
487
|
123,906
|
681,602
|
234,780,996
|
701
|
190,714
|
Select Experience By Issue Age
|
0-4
|
230.4
|
230.4
|
329.5
|
1
|
100
|
3,271
|
228,523
|
0
|
30
|
5-29
|
65.9
|
12.7
|
59.7
|
27
|
6,845
|
111,075
|
32,083,383
|
41
|
11,464
|
30-44
|
74.1
|
5.1
|
69.5
|
211
|
66,935
|
411,908
|
159,295,921
|
285
|
96,345
|
45-59
|
66.8
|
4.5
|
61.2
|
220
|
46,819
|
149,868
|
42,385,220
|
330
|
76,442
|
60-74
|
61.7
|
11.7
|
49.9
|
28
|
3,207
|
5,478
|
787,949
|
45
|
6,433
|
75-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
69.4
|
3.1
|
65.0
|
487
|
123,906
|
681,602
|
234,780,996
|
701
|
190,714
|
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
|
2
|
245
|
45-59
|
53.6
|
12.0
|
41.4
|
20
|
2,550
|
15,747
|
2,693,005
|
37
|
6,153
|
60-74
|
66.5
|
11.8
|
70.2
|
32
|
4,705
|
5,169
|
757,865
|
48
|
6,701
|
75-89
|
95.8
|
28.9
|
240.6
|
11
|
2,730
|
297
|
27,242
|
11
|
1,134
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
63.8
|
8.0
|
70.1
|
63
|
9,985
|
23,351
|
3,753,702
|
99
|
14,235
|
GRAND TOTAL
|
68.7
|
2.9
|
65.3
|
550
|
133,891
|
704,952
|
238,534,698
|
800
|
204,949
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
61.7
|
30.9
|
69.1
|
4
|
1,606
|
17,726
|
4,920,896
|
6
|
2,325
|
2
|
93.2
|
31.1
|
33.3
|
9
|
1,070
|
16,490
|
4,725,591
|
10
|
3,208
|
3
|
82.5
|
26.1
|
57.9
|
10
|
2,085
|
17,827
|
5,257,140
|
12
|
3,601
|
4
|
63.4
|
20.0
|
26.1
|
10
|
1,217
|
19,275
|
5,570,917
|
16
|
4,663
|
5
|
80.8
|
20.9
|
60.7
|
15
|
3,567
|
19,357
|
5,693,823
|
19
|
5,873
|
6-10
|
80.5
|
8.0
|
44.7
|
102
|
13,889
|
84,319
|
21,597,843
|
127
|
31,071
|
11-15
|
79.5
|
6.1
|
63.5
|
168
|
20,725
|
93,016
|
13,633,790
|
211
|
32,634
|
Total
|
79.4
|
4.5
|
53.0
|
318
|
44,159
|
268,010
|
61,399,999
|
401
|
83,375
|
Select Experience By Issue Age
|
0-4
|
121.7
|
54.4
|
127.1
|
5
|
535
|
26,858
|
2,957,012
|
4
|
421
|
5-29
|
87.9
|
15.5
|
81.9
|
32
|
5,379
|
88,725
|
16,306,104
|
36
|
6,565
|
30-44
|
78.2
|
9.0
|
57.3
|
75
|
13,554
|
99,564
|
27,829,962
|
96
|
23,661
|
45-59
|
75.5
|
6.7
|
43.9
|
126
|
15,460
|
46,146
|
12,703,756
|
167
|
35,203
|
60-74
|
76.6
|
9.6
|
50.6
|
64
|
7,536
|
6,409
|
1,530,172
|
84
|
14,897
|
75-89
|
115.4
|
28.9
|
64.5
|
16
|
1,695
|
309
|
72,993
|
14
|
2,627
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
79.4
|
4.5
|
53.0
|
318
|
44,159
|
268,010
|
61,399,999
|
401
|
83,375
|
Ultimate Experience By Attained Age
|
15-29
|
80.5
|
19.0
|
87.4
|
18
|
1,048
|
49,519
|
2,686,809
|
22
|
1,199
|
30-44
|
91.3
|
17.9
|
79.6
|
26
|
1,596
|
36,256
|
2,543,552
|
28
|
2,006
|
45-59
|
84.9
|
6.5
|
87.3
|
172
|
18,222
|
78,834
|
8,451,731
|
203
|
20,865
|
60-74
|
78.6
|
4.3
|
94.2
|
331
|
37,868
|
39,999
|
4,025,549
|
421
|
40,194
|
75-89
|
99.4
|
5.7
|
80.8
|
301
|
21,044
|
7,221
|
607,475
|
303
|
26,043
|
90-120
|
109.1
|
15.6
|
183.9
|
49
|
4,689
|
268
|
14,860
|
45
|
2,549
|
Total
|
87.7
|
2.9
|
91.0
|
897
|
84,466
|
212,097
|
18,329,976
|
1,022
|
92,855
|
GRAND TOTAL
|
85.4
|
2.4
|
73.0
|
1,215
|
128,626
|
480,107
|
79,729,975
|
1,423
|
176,230
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
15.4
|
42.2
|
23
|
2,458
|
67,053
|
11,269,306
|
31
|
5,822
|
2
|
70.5
|
11.3
|
58.7
|
39
|
6,257
|
71,982
|
13,283,250
|
55
|
10,652
|
3
|
56.3
|
9.5
|
30.3
|
35
|
2,997
|
69,912
|
11,193,895
|
62
|
9,877
|
4
|
83.4
|
11.0
|
74.5
|
57
|
8,774
|
67,742
|
11,545,617
|
68
|
11,780
|
5
|
85.7
|
10.5
|
53.7
|
67
|
7,529
|
65,962
|
11,447,813
|
78
|
14,033
|
6-10
|
80.8
|
3.9
|
82.7
|
440
|
68,919
|
258,453
|
38,217,104
|
545
|
83,360
|
11-15
|
74.3
|
2.6
|
77.4
|
797
|
117,493
|
272,308
|
36,990,691
|
1,073
|
151,733
|
Total
|
76.2
|
2.0
|
74.6
|
1,458
|
214,428
|
873,412
|
133,947,677
|
1,913
|
287,257
|
Select Experience By Issue Age
|
0-4
|
130.1
|
41.1
|
150.2
|
10
|
770
|
55,805
|
3,856,585
|
8
|
513
|
5-29
|
74.6
|
8.5
|
79.0
|
78
|
10,560
|
255,486
|
32,785,335
|
105
|
13,367
|
30-44
|
82.4
|
5.0
|
80.3
|
275
|
44,560
|
338,041
|
61,926,351
|
334
|
55,502
|
45-59
|
71.7
|
3.2
|
79.7
|
497
|
73,500
|
176,318
|
28,102,664
|
693
|
92,179
|
60-74
|
75.4
|
3.4
|
56.9
|
479
|
51,994
|
44,955
|
6,499,403
|
636
|
91,457
|
75-89
|
86.0
|
7.9
|
96.5
|
119
|
33,045
|
2,807
|
777,339
|
138
|
34,239
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
76.2
|
2.0
|
74.6
|
1,458
|
214,428
|
873,412
|
133,947,677
|
1,913
|
287,257
|
Ultimate Experience By Attained Age
|
15-29
|
117.9
|
44.5
|
85.3
|
7
|
254
|
14,052
|
682,832
|
6
|
298
|
30-44
|
73.6
|
18.4
|
65.2
|
16
|
1,589
|
26,456
|
2,865,863
|
22
|
2,436
|
45-59
|
75.7
|
6.2
|
79.4
|
147
|
24,392
|
78,818
|
12,880,987
|
194
|
30,733
|
60-74
|
67.3
|
4.1
|
73.1
|
272
|
47,303
|
39,566
|
6,520,482
|
404
|
64,740
|
75-89
|
77.3
|
5.9
|
53.5
|
170
|
20,838
|
5,641
|
983,074
|
220
|
38,935
|
90-120
|
79.6
|
18.3
|
79.7
|
19
|
1,982
|
151
|
15,414
|
24
|
2,486
|
Total
|
72.6
|
2.9
|
69.0
|
631
|
96,357
|
164,685
|
23,948,651
|
870
|
139,626
|
GRAND TOTAL
|
75.1
|
1.6
|
72.8
|
2,089
|
310,785
|
1,038,097
|
157,896,328
|
2,783
|
426,883
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014
TABLE 9.6
TOTAL EXPERIENCE -- TERM TO 100
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012 |
EXPECTED CIA 97-04 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
|
53.9
|
31.1
|
21.2
|
3
|
90
|
4,478
|
435,451
|
6
|
425
|
2
|
81.1
|
27.0
|
104.4
|
9
|
858
|
4,439
|
448,554
|
11
|
821
|
3
|
92.1
|
25.5
|
136.6
|
13
|
1,285
|
4,701
|
449,523
|
14
|
941
|
4
|
90.1
|
21.8
|
114.6
|
17
|
1,553
|
6,046
|
576,002
|
19
|
1,355
|
5
|
59.3
|
15.8
|
75.8
|
14
|
1,178
|
6,552
|
568,447
|
24
|
1,553
|
6-10
|
84.1
|
5.5
|
71.2
|
235
|
14,817
|
49,092
|
4,008,972
|
280
|
20,798
|
11-15
|
80.0
|
3.4
|
87.4
|
565
|
34,589
|
78,631
|
4,931,618
|
706
|
39,567
|
Total
|
80.8
|
2.8
|
83.1
|
856
|
54,369
|
153,939
|
11,418,566
|
1,059
|
65,461
|
Select Experience By Issue Age
|
0-4
|
77.9
|
77.9
|
59.4
|
1
|
25
|
9,107
|
316,340
|
1
|
42
|
5-29
|
114.7
|
27.8
|
120.1
|
17
|
1,265
|
30,582
|
2,134,156
|
15
|
1,053
|
30-44
|
111.7
|
14.4
|
97.1
|
60
|
4,497
|
36,416
|
3,811,157
|
54
|
4,630
|
45-59
|
70.7
|
5.0
|
87.0
|
200
|
13,180
|
45,382
|
3,303,482
|
283
|
15,142
|
60-74
|
84.9
|
3.8
|
83.6
|
494
|
25,732
|
30,629
|
1,648,054
|
582
|
30,786
|
75-89
|
67.3
|
7.3
|
70.0
|
84
|
9,670
|
1,823
|
205,378
|
125
|
13,807
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
80.8
|
2.8
|
83.1
|
856
|
54,369
|
153,939
|
11,418,566
|
1,059
|
65,461
|
Ultimate Experience By Attained Age
|
15-29
|
92.7
|
37.8
|
50.1
|
6
|
90
|
14,617
|
423,339
|
6
|
180
|
30-44
|
112.9
|
21.3
|
107.3
|
28
|
1,880
|
30,734
|
2,094,139
|
25
|
1,752
|
45-59
|
74.9
|
4.5
|
81.3
|
271
|
28,777
|
131,521
|
13,885,889
|
362
|
35,394
|
60-74
|
72.4
|
2.3
|
65.0
|
965
|
70,665
|
107,968
|
9,626,408
|
1,333
|
108,758
|
75-89
|
93.5
|
2.0
|
75.6
|
2,234
|
131,155
|
52,293
|
3,698,371
|
2,389
|
173,425
|
90-120
|
83.4
|
4.1
|
73.0
|
418
|
27,850
|
2,863
|
214,600
|
501
|
38,129
|
Total
|
84.9
|
1.4
|
72.8
|
3,922
|
260,418
|
339,997
|
29,942,746
|
4,617
|
357,638
|
GRAND TOTAL
|
84.2
|
1.2
|
74.4
|
4,778
|
314,787
|
493,935
|
41,361,313
|
5,676
|
423,099
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
125.5
|
62.8
|
51.9
|
4
|
721
|
3,666
|
1,786,181
|
3
|
1,391
|
2
|
46.4
|
26.8
|
40.1
|
3
|
1,150
|
4,001
|
2,049,472
|
6
|
2,870
|
3
|
41.8
|
24.1
|
32.3
|
3
|
850
|
3,851
|
1,651,243
|
7
|
2,629
|
4
|
54.4
|
27.2
|
33.0
|
4
|
1,050
|
3,531
|
1,680,190
|
7
|
3,183
|
5
|
83.2
|
37.2
|
57.7
|
5
|
1,400
|
2,635
|
1,131,245
|
6
|
2,425
|
6-10
|
65.8
|
10.5
|
75.1
|
39
|
13,658
|
15,608
|
5,475,035
|
59
|
18,188
|
11-15
|
119.8
|
26.1
|
98.0
|
21
|
3,380
|
3,653
|
757,963
|
18
|
3,448
|
Total
|
73.8
|
8.3
|
65.1
|
79
|
22,209
|
36,945
|
14,531,328
|
107
|
34,134
|
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
|
1
|
367
|
25-34
|
74.8
|
24.9
|
78.2
|
9
|
3,480
|
12,002
|
4,756,194
|
12
|
4,450
|
35-44
|
56.2
|
14.1
|
54.0
|
16
|
6,095
|
13,874
|
6,195,890
|
28
|
11,292
|
45-54
|
76.9
|
13.4
|
75.1
|
33
|
9,688
|
7,868
|
2,716,277
|
43
|
12,895
|
55-64
|
83.6
|
20.9
|
43.8
|
16
|
2,036
|
1,360
|
379,736
|
19
|
4,650
|
65-74
|
142.2
|
71.1
|
150.8
|
4
|
665
|
80
|
14,128
|
3
|
441
|
75-89
|
567.2
|
567.2
|
613.9
|
1
|
245
|
2
|
295
|
0
|
40
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
73.8
|
8.3
|
65.1
|
79
|
22,209
|
36,945
|
14,531,328
|
107
|
34,134
|
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
|
73.8
|
8.3
|
65.1
|
79
|
22,209
|
36,946
|
14,531,343
|
107
|
34,134
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
41.0
|
18.3
|
10.6
|
5
|
302
|
12,344
|
3,601,421
|
12
|
2,852
|
2
|
25.3
|
11.3
|
11.6
|
5
|
508
|
10,594
|
2,900,405
|
20
|
4,382
|
3
|
54.1
|
16.3
|
34.8
|
11
|
1,430
|
9,491
|
2,421,241
|
20
|
4,114
|
4
|
72.9
|
18.8
|
97.6
|
15
|
3,971
|
8,871
|
2,194,025
|
21
|
4,070
|
5
|
56.8
|
17.1
|
48.3
|
11
|
1,886
|
7,556
|
1,828,778
|
19
|
3,902
|
6-10
|
80.5
|
7.7
|
65.0
|
109
|
15,017
|
37,504
|
7,493,513
|
135
|
23,100
|
11-15
|
97.9
|
13.1
|
106.2
|
56
|
5,500
|
12,044
|
1,253,605
|
57
|
5,178
|
Total
|
74.4
|
5.1
|
60.1
|
212
|
28,613
|
98,404
|
21,692,990
|
285
|
47,599
|
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
|
4
|
195
|
15-24
|
157.0
|
47.4
|
124.6
|
11
|
1,068
|
8,733
|
1,107,917
|
7
|
858
|
25-34
|
45.2
|
13.0
|
57.3
|
12
|
3,758
|
28,190
|
7,254,715
|
27
|
6,560
|
35-44
|
92.8
|
12.6
|
78.2
|
54
|
11,389
|
29,135
|
8,299,044
|
58
|
14,572
|
45-54
|
64.2
|
8.1
|
39.1
|
63
|
6,773
|
18,958
|
3,962,337
|
98
|
17,332
|
55-64
|
75.0
|
10.4
|
73.7
|
52
|
5,106
|
4,871
|
600,475
|
69
|
6,924
|
65-74
|
90.4
|
20.7
|
44.8
|
19
|
504
|
661
|
38,887
|
21
|
1,126
|
75-89
|
99.1
|
99.1
|
47.1
|
1
|
15
|
15
|
397
|
1
|
32
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
74.4
|
5.1
|
60.1
|
212
|
28,613
|
98,404
|
21,692,990
|
285
|
47,599
|
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
|
10
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
62
|
3,914
|
0
|
5
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
248
|
25,057
|
1
|
64
|
50-59
|
126.3
|
56.5
|
89.5
|
5
|
470
|
568
|
76,920
|
4
|
526
|
60-69
|
126.2
|
35.0
|
89.2
|
13
|
822
|
482
|
44,114
|
10
|
922
|
70-79
|
87.2
|
39.0
|
82.3
|
5
|
274
|
125
|
7,398
|
6
|
333
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
115
|
0
|
9
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
108.6
|
22.6
|
83.8
|
23
|
1,566
|
1,734
|
172,848
|
21
|
1,868
|
GRAND TOTAL
|
76.8
|
5.0
|
61.0
|
235
|
30,180
|
100,137
|
21,865,838
|
306
|
49,467
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
148.9
|
39.8
|
79.3
|
14
|
841
|
7,739
|
1,219,137
|
9
|
1,061
|
2
|
75.4
|
20.2
|
141.6
|
14
|
3,172
|
7,644
|
1,354,709
|
19
|
2,240
|
3
|
91.3
|
20.9
|
73.5
|
19
|
1,792
|
8,033
|
1,345,608
|
21
|
2,439
|
4
|
92.9
|
20.3
|
66.3
|
21
|
1,944
|
7,783
|
1,391,755
|
23
|
2,933
|
5
|
93.4
|
18.3
|
94.6
|
26
|
3,066
|
8,381
|
1,371,539
|
28
|
3,240
|
6-10
|
98.1
|
7.3
|
62.4
|
183
|
12,418
|
43,184
|
6,109,183
|
187
|
19,898
|
11-15
|
82.8
|
4.2
|
67.7
|
390
|
23,691
|
76,892
|
7,034,188
|
471
|
35,006
|
Total
|
88.2
|
3.4
|
70.2
|
667
|
46,924
|
159,656
|
19,826,119
|
757
|
66,816
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,879
|
130,527
|
1
|
50
|
5-14
|
152.2
|
43.9
|
169.9
|
12
|
771
|
14,410
|
868,040
|
8
|
454
|
15-24
|
118.6
|
24.2
|
94.5
|
24
|
1,825
|
22,917
|
2,287,654
|
20
|
1,932
|
25-34
|
74.5
|
11.9
|
64.5
|
39
|
4,872
|
38,985
|
6,003,791
|
52
|
7,558
|
35-44
|
99.7
|
8.4
|
81.2
|
141
|
15,472
|
42,547
|
6,716,679
|
141
|
19,051
|
45-54
|
86.0
|
5.9
|
71.1
|
210
|
15,826
|
27,209
|
3,101,267
|
244
|
22,250
|
55-64
|
78.8
|
6.3
|
48.3
|
158
|
5,796
|
8,817
|
640,815
|
201
|
11,999
|
65-74
|
95.2
|
10.8
|
68.4
|
78
|
2,264
|
1,799
|
74,258
|
82
|
3,312
|
75-89
|
73.0
|
32.6
|
46.1
|
5
|
97
|
93
|
3,088
|
7
|
210
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
88.2
|
3.4
|
70.2
|
667
|
46,924
|
159,656
|
19,826,119
|
757
|
66,816
|
Ultimate Experience By Attained Age
|
15-19
|
67.1
|
38.7
|
78.2
|
3
|
162
|
10,285
|
479,175
|
4
|
208
|
20-29
|
93.0
|
19.4
|
80.0
|
23
|
770
|
34,228
|
1,346,650
|
25
|
962
|
30-39
|
89.7
|
15.0
|
88.8
|
36
|
1,513
|
35,671
|
1,502,523
|
40
|
1,704
|
40-49
|
82.3
|
8.1
|
68.7
|
102
|
6,310
|
50,410
|
3,633,640
|
124
|
9,185
|
50-59
|
85.9
|
3.8
|
88.2
|
512
|
39,843
|
86,485
|
6,656,472
|
596
|
45,179
|
60-69
|
79.9
|
2.6
|
88.4
|
954
|
56,864
|
56,070
|
3,161,574
|
1,193
|
64,310
|
70-79
|
88.1
|
2.7
|
74.9
|
1,085
|
29,564
|
24,536
|
806,626
|
1,231
|
39,488
|
80-89
|
110.1
|
3.9
|
106.9
|
798
|
16,728
|
7,889
|
172,598
|
725
|
15,655
|
90-99
|
74.3
|
7.8
|
87.5
|
90
|
1,291
|
566
|
7,379
|
121
|
1,477
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
13
|
12
|
6
|
5
|
Total
|
88.6
|
1.5
|
85.9
|
3,603
|
153,046
|
306,152
|
17,766,650
|
4,065
|
178,173
|
GRAND TOTAL
|
88.6
|
1.4
|
81.6
|
4,270
|
199,970
|
465,808
|
37,592,769
|
4,822
|
244,989
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
30.4
|
12.4
|
30.4
|
6
|
3,425
|
37,946
|
23,489,967
|
20
|
11,252
|
2
|
57.6
|
14.0
|
70.9
|
17
|
11,690
|
41,056
|
25,111,488
|
30
|
16,483
|
3
|
44.9
|
11.6
|
52.9
|
15
|
9,025
|
38,947
|
21,802,025
|
33
|
17,058
|
4
|
49.3
|
11.6
|
40.3
|
18
|
7,658
|
37,580
|
20,575,164
|
37
|
18,984
|
5
|
44.2
|
11.4
|
34.8
|
15
|
5,896
|
30,303
|
16,410,504
|
34
|
16,936
|
6-10
|
68.4
|
4.9
|
67.8
|
197
|
81,809
|
162,146
|
73,770,231
|
288
|
120,637
|
11-15
|
82.3
|
9.6
|
116.5
|
73
|
31,848
|
36,903
|
11,976,535
|
89
|
27,332
|
Total
|
64.3
|
3.5
|
66.2
|
341
|
151,352
|
384,881
|
193,135,914
|
530
|
228,682
|
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
|
59
|
15-24
|
87.3
|
33.0
|
88.7
|
7
|
2,125
|
15,328
|
4,785,921
|
8
|
2,395
|
25-34
|
51.9
|
9.6
|
50.9
|
29
|
13,318
|
100,766
|
49,687,274
|
56
|
26,171
|
35-44
|
60.3
|
7.0
|
60.2
|
74
|
38,090
|
143,941
|
80,996,193
|
123
|
63,320
|
45-54
|
72.5
|
6.6
|
62.6
|
120
|
44,798
|
93,568
|
45,492,948
|
165
|
71,602
|
55-64
|
61.6
|
6.7
|
53.6
|
85
|
26,197
|
27,901
|
10,933,302
|
138
|
48,832
|
65-74
|
70.7
|
14.1
|
148.1
|
25
|
18,823
|
2,776
|
1,021,871
|
35
|
12,709
|
75-89
|
23.0
|
23.0
|
222.6
|
1
|
8,000
|
100
|
98,119
|
4
|
3,594
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
64.3
|
3.5
|
66.2
|
341
|
151,352
|
384,881
|
193,135,914
|
530
|
228,682
|
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
|
1
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
215
|
45,005
|
0
|
58
|
50-59
|
81.4
|
81.4
|
17.5
|
1
|
50
|
502
|
116,874
|
1
|
285
|
60-69
|
0.0
|
0.0
|
0.0
|
0
|
0
|
221
|
55,449
|
2
|
430
|
70-79
|
237.3
|
237.3
|
141.7
|
1
|
150
|
21
|
4,930
|
0
|
106
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
238
|
0
|
11
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
55.6
|
39.3
|
22.4
|
2
|
200
|
973
|
224,487
|
4
|
891
|
GRAND TOTAL
|
64.3
|
3.5
|
66.0
|
343
|
151,552
|
385,854
|
193,360,401
|
534
|
229,574
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
69.4
|
14.8
|
71.7
|
22
|
8,895
|
51,201
|
22,816,992
|
32
|
12,412
|
2
|
70.7
|
13.1
|
50.3
|
29
|
7,295
|
46,990
|
19,452,705
|
41
|
14,497
|
3
|
108.8
|
15.7
|
99.4
|
48
|
13,855
|
42,327
|
15,921,357
|
44
|
13,942
|
4
|
88.4
|
13.8
|
88.2
|
41
|
13,086
|
39,181
|
14,708,881
|
46
|
14,834
|
5
|
81.3
|
13.2
|
48.1
|
38
|
6,789
|
33,827
|
12,068,598
|
47
|
14,100
|
6-10
|
72.5
|
4.6
|
77.0
|
250
|
68,620
|
151,827
|
47,169,990
|
345
|
89,088
|
11-15
|
98.3
|
8.8
|
84.3
|
126
|
16,834
|
35,419
|
7,073,496
|
128
|
19,968
|
Total
|
81.1
|
3.4
|
75.7
|
554
|
135,375
|
400,772
|
139,212,019
|
683
|
178,842
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
15
|
772
|
0
|
0
|
5-14
|
73.5
|
73.5
|
143.0
|
1
|
250
|
2,916
|
373,750
|
1
|
175
|
15-24
|
103.4
|
25.1
|
116.8
|
17
|
2,462
|
32,787
|
4,350,153
|
16
|
2,107
|
25-34
|
64.7
|
11.6
|
42.7
|
31
|
6,605
|
90,682
|
30,436,433
|
48
|
15,469
|
35-44
|
87.1
|
9.4
|
71.9
|
86
|
27,967
|
122,328
|
53,082,934
|
99
|
38,912
|
45-54
|
82.0
|
6.9
|
83.7
|
143
|
47,380
|
99,251
|
37,766,734
|
174
|
56,609
|
55-64
|
70.1
|
5.5
|
57.0
|
162
|
29,654
|
44,597
|
11,991,100
|
231
|
52,058
|
65-74
|
100.6
|
10.0
|
169.6
|
101
|
20,809
|
7,872
|
1,174,301
|
100
|
12,267
|
75-89
|
101.2
|
28.1
|
19.9
|
13
|
248
|
323
|
35,842
|
13
|
1,243
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
81.1
|
3.4
|
75.7
|
554
|
135,375
|
400,772
|
139,212,019
|
683
|
178,842
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
73
|
5,027
|
0
|
2
|
20-29
|
907.5
|
907.5
|
3999.7
|
1
|
300
|
149
|
10,275
|
0
|
8
|
30-39
|
774.4
|
547.6
|
246.2
|
2
|
50
|
336
|
26,452
|
0
|
20
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,059
|
169,626
|
1
|
217
|
50-59
|
163.5
|
47.2
|
127.8
|
12
|
1,777
|
2,767
|
524,459
|
7
|
1,390
|
60-69
|
88.4
|
18.4
|
78.5
|
23
|
3,098
|
3,001
|
462,650
|
26
|
3,948
|
70-79
|
106.0
|
19.0
|
243.9
|
31
|
8,216
|
1,272
|
149,313
|
29
|
3,368
|
80-89
|
77.6
|
38.8
|
102.3
|
4
|
700
|
97
|
12,403
|
5
|
685
|
90-99
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
165
|
1
|
34
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
103.8
|
12.2
|
146.2
|
73
|
14,141
|
8,759
|
1,360,370
|
70
|
9,672
|
GRAND TOTAL
|
83.2
|
3.3
|
79.3
|
627
|
149,516
|
409,531
|
140,572,389
|
754
|
188,513
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
85.1
|
18.6
|
54.0
|
21
|
2,702
|
34,565
|
8,315,008
|
25
|
5,003
|
2
|
101.4
|
16.7
|
47.9
|
37
|
3,740
|
35,044
|
9,284,731
|
36
|
7,804
|
3
|
87.6
|
14.2
|
72.4
|
38
|
7,766
|
35,509
|
10,800,036
|
43
|
10,720
|
4
|
83.8
|
13.1
|
48.4
|
41
|
5,659
|
33,856
|
10,747,933
|
49
|
11,703
|
5
|
69.7
|
10.6
|
52.4
|
43
|
6,846
|
36,562
|
10,320,158
|
62
|
13,066
|
6-10
|
92.1
|
4.6
|
76.0
|
400
|
59,360
|
177,443
|
40,179,479
|
434
|
78,058
|
11-15
|
79.1
|
2.5
|
76.6
|
966
|
130,519
|
275,558
|
48,059,588
|
1,221
|
170,461
|
Total
|
82.6
|
2.1
|
73.0
|
1,546
|
216,592
|
628,536
|
137,706,933
|
1,871
|
296,816
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
927
|
78,877
|
0
|
31
|
5-14
|
54.3
|
38.4
|
19.6
|
2
|
75
|
6,044
|
636,803
|
4
|
383
|
15-24
|
79.9
|
14.1
|
67.7
|
32
|
3,446
|
67,011
|
8,846,204
|
40
|
5,092
|
25-34
|
77.3
|
8.1
|
66.1
|
90
|
16,155
|
160,725
|
34,896,573
|
116
|
24,457
|
35-44
|
104.5
|
6.6
|
85.8
|
248
|
50,809
|
187,078
|
52,123,607
|
237
|
59,186
|
45-54
|
84.9
|
4.5
|
73.8
|
349
|
57,018
|
128,722
|
29,725,781
|
411
|
77,211
|
55-64
|
73.3
|
3.7
|
64.4
|
401
|
45,183
|
58,933
|
9,134,911
|
547
|
70,115
|
65-74
|
83.3
|
4.4
|
76.0
|
354
|
34,007
|
17,659
|
1,998,022
|
425
|
44,742
|
75-89
|
78.1
|
9.3
|
63.7
|
70
|
9,901
|
1,435
|
265,890
|
90
|
15,535
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
265
|
1
|
64
|
Total
|
82.6
|
2.1
|
73.0
|
1,546
|
216,592
|
628,536
|
137,706,933
|
1,871
|
296,816
|
Ultimate Experience By Attained Age
|
15-19
|
87.5
|
50.5
|
107.5
|
3
|
257
|
7,736
|
541,937
|
3
|
239
|
20-29
|
89.1
|
21.0
|
75.7
|
18
|
838
|
27,901
|
1,546,030
|
20
|
1,108
|
30-39
|
93.8
|
15.2
|
72.4
|
38
|
2,019
|
52,556
|
3,613,094
|
41
|
2,790
|
40-49
|
93.7
|
6.4
|
78.7
|
214
|
20,896
|
183,211
|
20,881,302
|
228
|
26,562
|
50-59
|
86.8
|
3.4
|
85.5
|
670
|
89,197
|
303,612
|
41,096,689
|
772
|
104,308
|
60-69
|
74.8
|
2.1
|
78.6
|
1,292
|
156,386
|
207,634
|
24,611,852
|
1,726
|
198,856
|
70-79
|
78.9
|
1.8
|
66.8
|
1,884
|
127,810
|
95,951
|
7,886,135
|
2,387
|
191,401
|
80-89
|
89.2
|
1.8
|
74.8
|
2,349
|
131,643
|
38,797
|
2,653,241
|
2,635
|
175,996
|
90-99
|
78.8
|
3.6
|
68.8
|
474
|
23,894
|
2,922
|
166,224
|
601
|
34,748
|
100+
|
36.9
|
21.3
|
115.5
|
3
|
521
|
19
|
1,079
|
8
|
451
|
Total
|
82.5
|
1.0
|
75.2
|
6,945
|
553,461
|
920,337
|
102,997,584
|
8,422
|
736,459
|
GRAND TOTAL
|
82.5
|
0.9
|
74.5
|
8,491
|
770,053
|
1,548,874
|
240,704,517
|
10,293
|
1,033,275
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
1
|
315
|
2
|
35.3
|
35.3
|
17.7
|
1
|
150
|
2,363
|
880,746
|
3
|
850
|
3
|
62.7
|
44.4
|
23.1
|
2
|
225
|
2,270
|
801,777
|
3
|
975
|
4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,163
|
748,641
|
4
|
1,006
|
5
|
35.5
|
35.5
|
33.7
|
1
|
300
|
1,600
|
554,990
|
3
|
889
|
6-10
|
84.7
|
18.1
|
68.9
|
22
|
4,350
|
9,613
|
2,530,767
|
26
|
6,314
|
11-15
|
70.3
|
28.7
|
76.4
|
6
|
925
|
2,585
|
392,619
|
9
|
1,210
|
Total
|
66.8
|
11.8
|
51.5
|
32
|
5,950
|
22,699
|
6,732,087
|
48
|
11,560
|
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
|
220.2
|
220.2
|
104.7
|
1
|
100
|
1,590
|
364,070
|
0
|
96
|
25-34
|
76.4
|
44.1
|
72.8
|
3
|
800
|
7,827
|
2,535,389
|
4
|
1,098
|
35-44
|
65.2
|
23.0
|
31.7
|
8
|
1,075
|
7,547
|
2,459,271
|
12
|
3,390
|
45-54
|
57.8
|
16.7
|
63.5
|
12
|
2,800
|
4,791
|
1,153,446
|
21
|
4,407
|
55-64
|
102.8
|
36.3
|
67.7
|
8
|
1,175
|
827
|
188,683
|
8
|
1,736
|
65-74
|
0.0
|
0.0
|
0.0
|
0
|
0
|
109
|
23,720
|
2
|
462
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8
|
7,407
|
0
|
370
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
66.8
|
11.8
|
51.5
|
32
|
5,950
|
22,699
|
6,732,087
|
48
|
11,560
|
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
|
66.8
|
11.8
|
51.5
|
32
|
5,950
|
22,699
|
6,732,087
|
48
|
11,560
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
22.6
|
22.6
|
35.2
|
1
|
250
|
8,082
|
1,757,995
|
4
|
710
|
2
|
83.1
|
27.7
|
113.2
|
9
|
1,830
|
7,256
|
1,366,021
|
11
|
1,617
|
3
|
44.5
|
19.9
|
31.9
|
5
|
470
|
6,862
|
1,240,636
|
11
|
1,473
|
4
|
62.0
|
23.4
|
43.7
|
7
|
638
|
6,413
|
1,086,785
|
11
|
1,462
|
5
|
82.4
|
27.5
|
81.0
|
9
|
1,115
|
5,782
|
960,956
|
11
|
1,377
|
6-10
|
91.6
|
10.7
|
62.6
|
73
|
5,210
|
29,393
|
3,789,318
|
80
|
8,321
|
11-15
|
101.7
|
16.1
|
99.7
|
40
|
2,259
|
11,379
|
775,235
|
39
|
2,265
|
Total
|
85.9
|
7.2
|
68.3
|
144
|
11,772
|
75,168
|
10,976,947
|
168
|
17,224
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
11
|
395
|
0
|
0
|
5-14
|
71.7
|
71.7
|
164.9
|
1
|
125
|
7,228
|
399,962
|
1
|
76
|
15-24
|
42.1
|
42.1
|
4.1
|
1
|
10
|
8,894
|
958,581
|
2
|
243
|
25-34
|
76.9
|
29.1
|
54.5
|
7
|
831
|
20,292
|
3,798,592
|
9
|
1,524
|
35-44
|
80.2
|
15.7
|
74.8
|
26
|
3,526
|
19,426
|
3,531,122
|
32
|
4,715
|
45-54
|
71.5
|
10.5
|
49.8
|
46
|
3,429
|
14,278
|
1,879,948
|
64
|
6,886
|
55-64
|
93.7
|
14.6
|
87.2
|
41
|
2,639
|
4,312
|
366,515
|
44
|
3,026
|
65-74
|
164.0
|
35.0
|
189.0
|
22
|
1,212
|
700
|
36,513
|
13
|
641
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
27
|
5,319
|
1
|
113
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
85.9
|
7.2
|
68.3
|
144
|
11,772
|
75,168
|
10,976,947
|
168
|
17,224
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
22
|
1,401
|
0
|
0
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
218
|
14,238
|
0
|
4
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
41
|
3,330
|
0
|
2
|
40-49
|
574.1
|
405.9
|
446.9
|
2
|
150
|
182
|
17,718
|
0
|
34
|
50-59
|
89.1
|
63.0
|
127.3
|
2
|
230
|
385
|
31,600
|
2
|
181
|
60-69
|
113.3
|
56.7
|
77.8
|
4
|
130
|
250
|
12,107
|
4
|
167
|
70-79
|
257.7
|
128.9
|
433.1
|
4
|
256
|
63
|
2,301
|
2
|
59
|
80-89
|
336.2
|
336.2
|
988.7
|
1
|
48
|
6
|
111
|
0
|
5
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
161.3
|
44.7
|
180.3
|
13
|
814
|
1,166
|
82,806
|
8
|
451
|
GRAND TOTAL
|
89.3
|
7.1
|
71.2
|
157
|
12,586
|
76,334
|
11,059,753
|
176
|
17,676
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
46.3
|
32.8
|
59.6
|
2
|
250
|
5,720
|
711,818
|
4
|
420
|
2
|
85.7
|
27.1
|
30.0
|
10
|
315
|
5,937
|
756,930
|
12
|
1,050
|
3
|
71.9
|
22.7
|
51.9
|
10
|
581
|
6,399
|
772,134
|
14
|
1,119
|
4
|
64.0
|
20.2
|
94.8
|
10
|
1,322
|
6,281
|
842,395
|
16
|
1,394
|
5
|
72.3
|
20.0
|
107.3
|
13
|
1,559
|
6,857
|
848,119
|
18
|
1,452
|
6-10
|
83.4
|
8.3
|
61.6
|
100
|
5,970
|
35,411
|
3,885,990
|
120
|
9,697
|
11-15
|
99.4
|
5.4
|
92.4
|
340
|
17,587
|
73,233
|
5,105,815
|
342
|
19,028
|
Total
|
92.3
|
4.2
|
80.7
|
485
|
27,584
|
139,838
|
12,923,202
|
525
|
34,160
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,736
|
131,736
|
0
|
22
|
5-14
|
65.3
|
46.2
|
236.3
|
2
|
432
|
13,767
|
855,509
|
3
|
183
|
15-24
|
130.8
|
43.6
|
152.2
|
9
|
863
|
20,875
|
1,820,850
|
7
|
567
|
25-34
|
102.5
|
19.7
|
79.6
|
27
|
2,286
|
30,825
|
3,802,171
|
26
|
2,872
|
35-44
|
70.4
|
8.4
|
69.1
|
70
|
6,074
|
34,418
|
3,703,594
|
99
|
8,786
|
45-54
|
86.0
|
6.8
|
66.7
|
160
|
7,556
|
25,595
|
1,967,814
|
186
|
11,327
|
55-64
|
98.3
|
8.5
|
77.8
|
134
|
5,083
|
9,320
|
514,556
|
136
|
6,533
|
65-74
|
111.8
|
14.1
|
111.6
|
63
|
3,243
|
2,137
|
114,014
|
56
|
2,907
|
75-89
|
190.4
|
42.6
|
212.3
|
20
|
2,047
|
165
|
12,958
|
11
|
965
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
92.3
|
4.2
|
80.7
|
485
|
27,584
|
139,838
|
12,923,202
|
525
|
34,160
|
Ultimate Experience By Attained Age
|
15-19
|
162.0
|
93.5
|
134.4
|
3
|
119
|
9,973
|
479,189
|
2
|
89
|
20-29
|
76.0
|
28.7
|
58.6
|
7
|
209
|
31,444
|
1,237,296
|
9
|
358
|
30-39
|
142.1
|
29.0
|
98.5
|
24
|
726
|
33,527
|
1,426,061
|
17
|
737
|
40-49
|
82.7
|
8.9
|
95.2
|
86
|
6,131
|
55,699
|
3,429,384
|
104
|
6,441
|
50-59
|
76.6
|
4.1
|
73.0
|
349
|
17,368
|
79,704
|
4,291,183
|
456
|
23,779
|
60-69
|
88.8
|
3.6
|
92.3
|
599
|
20,183
|
47,552
|
1,600,121
|
675
|
21,861
|
70-79
|
133.8
|
4.8
|
123.9
|
773
|
14,181
|
22,035
|
440,071
|
578
|
11,442
|
80-89
|
156.3
|
5.8
|
162.9
|
717
|
12,091
|
8,336
|
143,308
|
459
|
7,421
|
90-99
|
103.1
|
8.7
|
117.5
|
140
|
1,758
|
898
|
10,000
|
136
|
1,496
|
100+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
16
|
13
|
5
|
4
|
Total
|
110.6
|
2.1
|
98.8
|
2,698
|
72,767
|
289,185
|
13,056,625
|
2,439
|
73,627
|
GRAND TOTAL
|
107.4
|
1.9
|
93.1
|
3,183
|
100,351
|
429,023
|
25,979,827
|
2,965
|
107,788
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
70.6
|
28.8
|
64.7
|
6
|
2,490
|
36,238
|
17,609,510
|
8
|
3,846
|
2
|
36.2
|
14.8
|
28.0
|
6
|
2,000
|
38,854
|
18,254,718
|
17
|
7,138
|
3
|
51.5
|
16.3
|
57.8
|
10
|
4,090
|
37,401
|
16,041,844
|
19
|
7,080
|
4
|
47.9
|
15.1
|
38.0
|
10
|
3,031
|
35,502
|
15,073,085
|
21
|
7,976
|
5
|
70.5
|
18.8
|
53.8
|
14
|
4,496
|
27,708
|
11,440,387
|
20
|
8,354
|
6-10
|
62.3
|
6.3
|
64.2
|
98
|
29,767
|
141,117
|
46,473,857
|
157
|
46,392
|
11-15
|
88.1
|
12.8
|
115.3
|
47
|
13,278
|
32,524
|
7,219,248
|
53
|
11,511
|
Total
|
64.5
|
4.7
|
64.1
|
191
|
59,152
|
349,345
|
132,112,648
|
296
|
92,296
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
14
|
2,167
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
477
|
109,214
|
0
|
23
|
15-24
|
84.7
|
48.9
|
113.0
|
3
|
1,050
|
18,716
|
5,325,519
|
4
|
929
|
25-34
|
71.6
|
14.0
|
69.3
|
26
|
9,102
|
118,664
|
47,488,460
|
36
|
13,132
|
35-44
|
78.1
|
10.2
|
88.3
|
59
|
24,246
|
127,124
|
52,653,675
|
76
|
27,452
|
45-54
|
63.9
|
8.3
|
56.7
|
59
|
14,659
|
66,826
|
21,725,520
|
92
|
25,868
|
55-64
|
60.3
|
10.5
|
64.2
|
33
|
8,175
|
15,128
|
3,931,096
|
55
|
12,731
|
65-74
|
32.9
|
12.5
|
9.6
|
7
|
670
|
2,035
|
694,278
|
21
|
6,983
|
75-89
|
32.7
|
16.3
|
24.1
|
4
|
1,250
|
360
|
182,719
|
12
|
5,180
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
64.5
|
4.7
|
64.1
|
191
|
59,152
|
349,345
|
132,112,648
|
296
|
92,296
|
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
|
1
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
176
|
28,346
|
0
|
25
|
50-59
|
0.0
|
0.0
|
0.0
|
0
|
0
|
368
|
57,243
|
1
|
111
|
60-69
|
342.3
|
242.0
|
88.5
|
2
|
85
|
114
|
18,220
|
1
|
96
|
70-79
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
285
|
0
|
3
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
250
|
0
|
6
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
133.4
|
94.4
|
34.8
|
2
|
85
|
682
|
107,644
|
1
|
244
|
GRAND TOTAL
|
64.9
|
4.7
|
64.0
|
193
|
59,237
|
350,027
|
132,220,292
|
298
|
92,541
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
26.2
|
13.1
|
30.3
|
4
|
971
|
50,220
|
13,663,619
|
15
|
3,205
|
2
|
56.8
|
14.2
|
43.2
|
16
|
2,270
|
46,442
|
11,736,941
|
28
|
5,250
|
3
|
70.1
|
14.9
|
64.6
|
22
|
3,644
|
43,260
|
10,492,405
|
31
|
5,642
|
4
|
57.9
|
13.3
|
72.3
|
19
|
4,137
|
39,743
|
9,125,553
|
33
|
5,725
|
5
|
78.8
|
14.9
|
72.6
|
28
|
4,295
|
35,228
|
7,982,456
|
36
|
5,917
|
6-10
|
71.9
|
5.5
|
67.3
|
170
|
20,839
|
142,685
|
26,840,876
|
236
|
30,942
|
11-15
|
80.0
|
9.2
|
90.6
|
76
|
6,782
|
34,387
|
4,043,970
|
95
|
7,489
|
Total
|
70.6
|
3.9
|
66.9
|
335
|
42,937
|
391,966
|
83,885,819
|
475
|
64,170
|
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
|
62
|
15-24
|
119.2
|
42.1
|
129.4
|
8
|
1,029
|
37,841
|
4,721,675
|
7
|
795
|
25-34
|
74.8
|
15.6
|
85.7
|
23
|
5,950
|
112,517
|
27,059,386
|
31
|
6,943
|
35-44
|
81.5
|
11.3
|
77.2
|
52
|
11,398
|
112,749
|
29,895,613
|
64
|
14,771
|
45-54
|
60.4
|
7.3
|
52.7
|
68
|
10,065
|
80,932
|
16,514,137
|
113
|
19,103
|
55-64
|
65.1
|
6.8
|
59.5
|
91
|
8,790
|
35,314
|
4,646,001
|
140
|
14,763
|
65-74
|
71.5
|
8.8
|
61.5
|
66
|
3,653
|
9,054
|
668,920
|
92
|
5,943
|
75-89
|
96.1
|
18.5
|
114.7
|
27
|
2,053
|
880
|
53,114
|
28
|
1,790
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
70.6
|
3.9
|
66.9
|
335
|
42,937
|
391,966
|
83,885,819
|
475
|
64,170
|
Ultimate Experience By Attained Age
|
15-19
|
7767.9
|
7767.9
|
16942.6
|
1
|
175
|
72
|
5,779
|
0
|
1
|
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
|
9
|
40-49
|
106.7
|
106.7
|
91.5
|
1
|
100
|
1,060
|
123,054
|
1
|
109
|
50-59
|
114.0
|
51.0
|
104.6
|
5
|
500
|
2,189
|
242,486
|
4
|
478
|
60-69
|
146.6
|
37.9
|
128.4
|
15
|
1,036
|
1,743
|
144,470
|
10
|
807
|
70-79
|
46.5
|
23.2
|
29.4
|
4
|
150
|
595
|
35,123
|
9
|
510
|
80-89
|
119.1
|
59.6
|
57.9
|
4
|
125
|
83
|
5,273
|
3
|
216
|
90-99
|
142.3
|
100.6
|
22.8
|
2
|
20
|
10
|
689
|
1
|
89
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
110.0
|
19.4
|
94.8
|
32
|
2,106
|
6,141
|
586,359
|
29
|
2,221
|
GRAND TOTAL
|
72.8
|
3.8
|
67.8
|
367
|
45,044
|
398,107
|
84,472,178
|
504
|
66,391
|
Thomson Data Analysis Sat Mar 22 18:27:22 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 97-04 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
|
112.3
|
27.2
|
90.2
|
17
|
2,195
|
40,683
|
7,136,340
|
15
|
2,432
|
2
|
79.1
|
16.1
|
40.4
|
24
|
2,036
|
40,446
|
7,797,555
|
30
|
5,038
|
3
|
47.2
|
11.5
|
30.4
|
17
|
1,558
|
39,746
|
7,887,994
|
36
|
5,127
|
4
|
81.8
|
14.2
|
87.6
|
33
|
5,214
|
37,420
|
7,490,646
|
40
|
5,954
|
5
|
65.2
|
11.2
|
59.3
|
34
|
4,365
|
41,010
|
7,965,145
|
52
|
7,364
|
6-10
|
77.1
|
4.3
|
65.2
|
316
|
34,282
|
196,347
|
31,953,547
|
410
|
52,553
|
11-15
|
82.3
|
2.7
|
81.8
|
961
|
88,683
|
296,162
|
34,648,932
|
1,167
|
108,424
|
Total
|
80.1
|
2.1
|
74.0
|
1,402
|
138,332
|
691,815
|
104,880,159
|
1,751
|
186,892
|
Select Experience By Issue Age
|
0-4
|
662.0
|
662.0
|
189.7
|
1
|
25
|
892
|
78,340
|
0
|
13
|
5-14
|
66.9
|
66.9
|
63.5
|
1
|
100
|
6,072
|
648,774
|
1
|
158
|
15-24
|
94.9
|
22.4
|
89.5
|
18
|
1,883
|
74,942
|
9,019,222
|
19
|
2,105
|
25-34
|
100.2
|
11.0
|
83.6
|
83
|
11,313
|
189,322
|
33,063,768
|
83
|
13,529
|
35-44
|
92.4
|
7.2
|
85.9
|
165
|
24,610
|
192,065
|
35,452,397
|
179
|
28,662
|
45-54
|
76.3
|
4.8
|
72.3
|
253
|
25,230
|
132,835
|
17,676,088
|
332
|
34,916
|
55-64
|
64.4
|
3.7
|
52.6
|
304
|
18,841
|
67,389
|
6,005,244
|
472
|
35,836
|
65-74
|
87.8
|
4.4
|
65.6
|
406
|
27,946
|
24,822
|
2,394,462
|
462
|
42,576
|
75-89
|
84.0
|
6.4
|
95.3
|
170
|
27,526
|
3,474
|
540,905
|
202
|
28,886
|
90+
|
194.6
|
194.6
|
404.2
|
1
|
858
|
3
|
958
|
1
|
212
|
Total
|
80.1
|
2.1
|
74.0
|
1,402
|
138,332
|
691,815
|
104,880,159
|
1,751
|
186,892
|
Ultimate Experience By Attained Age
|
15-19
|
139.5
|
98.7
|
77.8
|
2
|
79
|
7,610
|
539,262
|
1
|
101
|
20-29
|
73.6
|
30.1
|
101.4
|
6
|
451
|
27,719
|
1,531,991
|
8
|
445
|
30-39
|
109.1
|
21.8
|
81.5
|
25
|
1,267
|
52,832
|
3,546,256
|
23
|
1,556
|
40-49
|
84.2
|
7.2
|
100.0
|
136
|
14,912
|
186,656
|
17,086,343
|
161
|
14,918
|
50-59
|
83.8
|
4.1
|
81.6
|
417
|
35,722
|
255,775
|
22,890,187
|
497
|
43,796
|
60-69
|
68.6
|
2.7
|
72.8
|
666
|
41,944
|
163,442
|
10,236,906
|
971
|
57,598
|
70-79
|
75.7
|
2.4
|
63.1
|
972
|
32,176
|
82,475
|
3,302,544
|
1,284
|
50,962
|
80-89
|
98.7
|
2.2
|
75.5
|
1,943
|
57,422
|
42,626
|
1,615,878
|
1,968
|
76,024
|
90-99
|
90.8
|
3.6
|
84.5
|
645
|
25,271
|
4,765
|
199,233
|
711
|
29,918
|
100+
|
97.7
|
32.6
|
212.5
|
9
|
1,578
|
28
|
2,258
|
9
|
743
|
Total
|
85.6
|
1.2
|
76.4
|
4,821
|
210,821
|
823,930
|
60,950,859
|
5,634
|
276,061
|
GRAND TOTAL
|
84.3
|
1.1
|
75.4
|
6,223
|
349,154
|
1,515,745
|
165,831,018
|
7,385
|
462,953
|
Thomson Data Analysis Sat Mar 22 18:27:22 2014