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