CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 97-04 TABLES
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE -- FACE SIZE < $10,000
TABLE 1.2 TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
TABLE 1.3 TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
TABLE 1.4 TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
TABLE 1.5 TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
TABLE 1.6 TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
TABLE 1.7 TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
TABLE 2.1 TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
TABLE 2.2 TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
TABLE 2.3 TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
TABLE 2.4 TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
TABLE 2.5 TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
TABLE 2.6 TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
TABLE 2.7 TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
TABLE 2.8 TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
TABLE 2.9 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
TABLE 2.10 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
TABLE 2.11 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
TABLE 2.12 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
TABLE 2.13 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
TABLE 2.14 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
TABLE 8.1 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
TABLE 8.2 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.3 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.4 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.5 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.6 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.7 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.8 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.9 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.10 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.11 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.12 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.13 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.14 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.15 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.16 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.17 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.18 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.19 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.20 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.21 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
TABLE 8.22 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
TABLE 8.23 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.24 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.25 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.26 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.27 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.28 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.29 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.30 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.31 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.32 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.33 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.34 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.35 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.36 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.37 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.38 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.39 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.40 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.41 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.42 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER



TABLE 1.1     TOTAL EXPERIENCE -- FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 78.4 35.1 87.8 5 38 11,702 63,076 6 43
2 136.9 43.3 152.0 10 109 8,878 76,496 7 72
3 79.5 32.5 62.4 6 48 7,737 84,335 8 77
4 119.0 37.6 105.2 10 96 6,377 81,194 8 91
5 79.7 32.5 94.8 6 96 3,808 78,506 8 101
6-10 99.7 15.2 92.5 43 820 14,952 422,165 43 886
11-15 95.0 7.7 88.9 151 1,949 17,489 494,482 159 2,193
Total 96.5 6.4 91.1 231 3,156 70,945 1,300,254 239 3,463
Select Experience By Issue Age
0-4 136.9 79.0 57.0 3 20 14,438 255,309 2 35
5-14 50.9 50.9 62.2 1 31 8,323 159,620 2 49
15-24 67.0 47.4 73.5 2 52 7,440 154,874 3 71
25-34 37.9 26.8 55.9 2 76 9,939 207,338 5 136
35-44 71.5 23.8 89.6 9 301 9,514 195,923 13 335
45-54 65.8 12.9 74.4 26 655 10,282 192,257 40 880
55-64 89.3 11.8 91.5 57 871 7,133 97,345 64 952
65-74 121.1 12.1 109.8 101 846 3,457 33,614 83 771
75-89 108.9 19.9 130.2 30 303 419 3,969 28 233
90+ 155.0 0 1 0 5 0 1
Total 96.5 6.4 91.1 231 3,156 70,945 1,300,254 239 3,463
Ultimate Experience By Attained Age
15-19 224.0 158.4 173.9 2 27 2,810 51,011 1 16
20-29 116.1 36.7 137.5 10 123 16,167 170,668 9 90
30-39 115.0 16.8 125.8 47 335 59,468 387,392 41 267
40-49 144.4 10.3 135.5 198 1,204 105,166 668,981 137 889
50-59 107.9 4.1 102.8 709 4,313 178,859 1,161,348 657 4,195
60-69 77.5 1.6 79.7 2,317 13,640 258,207 1,502,977 2,989 17,109
70-79 88.8 1.1 91.5 6,271 31,430 249,750 1,223,194 7,058 34,363
80-89 102.1 0.9 105.4 13,763 57,946 195,381 801,229 13,485 54,972
90-99 74.7 1.0 85.1 6,018 22,249 41,399 137,038 8,061 26,153
100+ 14.5 0.8 29.4 299 758 4,993 6,517 2,069 2,579
Total 85.9 0.5 93.9 29,634 132,027 1,112,202 6,110,356 34,507 140,631
GRAND TOTAL 86.0 0.5 93.8 29,865 135,183 1,183,147 7,410,609 34,747 144,094

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.2     TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 88.6 17.0 74.8 27 638 38,395 1,270,478 30 852
2 77.3 12.1 76.3 41 1,048 36,588 1,185,028 53 1,374
3 92.9 12.2 82.8 58 1,328 37,457 1,218,679 62 1,605
4 98.1 11.9 95.4 68 1,676 35,592 1,151,153 69 1,757
5 77.3 9.7 67.1 64 1,331 36,549 1,095,070 83 1,983
6-10 90.4 3.7 85.2 606 14,111 207,428 6,303,159 671 16,553
11-15 86.1 2.3 82.1 1,455 32,446 315,435 9,129,343 1,691 39,513
Total 87.2 1.8 82.6 2,319 52,578 707,445 21,352,911 2,659 63,638
Select Experience By Issue Age
0-4 89.2 20.5 104.3 19 600 143,593 3,901,894 21 576
5-14 73.8 17.4 71.8 18 438 81,041 2,091,358 24 610
15-24 83.0 15.4 60.0 29 714 74,335 2,592,780 35 1,189
25-34 85.8 12.4 77.1 48 1,751 82,871 3,449,818 56 2,270
35-44 99.8 7.9 93.6 158 4,843 87,892 3,177,405 158 5,175
45-54 90.2 4.1 85.3 478 11,710 110,081 3,158,373 530 13,726
55-64 79.4 2.9 75.0 731 15,541 88,608 2,131,702 921 20,714
65-74 90.0 3.5 85.6 664 13,498 35,558 779,260 738 15,766
75-89 99.4 7.5 96.6 174 3,483 3,465 70,295 175 3,607
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 87.2 1.8 82.6 2,319 52,578 707,445 21,352,911 2,659 63,638
Ultimate Experience By Attained Age
15-19 105.4 21.5 117.2 24 747 73,901 2,083,960 23 637
20-29 98.8 8.9 98.5 122 3,015 240,628 6,020,150 123 3,060
30-39 112.9 8.6 106.7 173 3,722 224,129 5,122,447 153 3,489
40-49 107.6 5.6 97.2 364 10,900 253,009 8,414,991 338 11,216
50-59 96.5 2.4 90.8 1,565 46,849 444,047 14,636,817 1,622 51,585
60-69 80.9 1.3 76.4 3,776 90,833 431,118 11,374,321 4,667 118,893
70-79 86.6 1.1 83.4 5,772 115,840 252,112 5,288,063 6,667 138,834
80-89 101.1 1.2 97.6 7,117 130,362 109,801 2,060,780 7,036 133,636
90-99 83.8 2.0 81.9 1,689 31,426 10,699 201,550 2,015 38,391
100+ 41.2 8.1 39.2 26 511 154 3,167 63 1,304
Total 90.8 0.6 86.7 20,628 434,206 2,039,598 55,206,246 22,709 501,045
GRAND TOTAL 90.5 0.6 86.2 22,947 486,784 2,747,043 76,559,157 25,368 564,683

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.3     TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 118.3 24.2 100.1 24 1,290 40,735 2,614,858 20 1,289
2 93.1 17.0 80.0 30 1,644 36,082 2,326,165 32 2,055
3 66.4 13.3 67.7 25 1,587 35,035 2,264,207 38 2,345
4 83.7 14.4 73.0 34 1,846 34,108 2,176,980 41 2,529
5 68.7 12.1 70.6 32 2,020 32,841 2,066,248 47 2,862
6-10 84.5 4.7 82.5 324 19,931 178,118 11,281,680 384 24,163
11-15 79.6 3.4 79.7 537 33,180 212,421 13,149,292 674 41,609
Total 81.4 2.6 80.0 1,006 61,498 569,340 35,879,431 1,235 76,853
Select Experience By Issue Age
0-4 40.3 20.1 48.8 4 281 69,436 4,017,125 10 576
5-14 76.6 24.2 67.8 10 506 45,903 2,653,081 13 746
15-24 113.7 18.4 101.1 38 2,001 75,600 4,513,306 33 1,978
25-34 91.0 11.5 92.9 63 4,315 112,782 7,542,648 69 4,644
35-44 90.8 7.5 88.2 145 9,264 109,122 7,326,146 160 10,506
45-54 81.4 4.9 81.3 277 17,162 97,114 6,201,320 340 21,116
55-64 70.6 4.4 68.0 253 14,718 46,884 2,864,261 358 21,655
65-74 89.8 6.6 88.8 183 11,231 11,656 708,473 204 12,650
75-89 69.9 12.2 68.6 33 2,022 839 52,860 47 2,948
90+ 0.0 0.0 0.0 0 0 3 210 1 34
Total 81.4 2.6 80.0 1,006 61,498 569,340 35,879,431 1,235 76,853
Ultimate Experience By Attained Age
15-19 110.0 38.9 85.2 8 402 23,981 1,576,335 7 472
20-29 87.8 16.0 75.4 30 1,651 68,653 4,434,822 34 2,188
30-39 88.7 14.4 79.1 38 2,047 63,688 3,848,228 43 2,587
40-49 88.3 6.8 85.6 171 11,345 148,539 10,117,176 194 13,259
50-59 84.6 3.3 83.5 641 44,104 234,407 16,496,743 758 52,798
60-69 72.4 2.4 73.0 920 60,596 138,017 9,031,478 1,271 83,031
70-79 75.6 2.8 73.8 738 46,381 40,276 2,550,668 977 62,889
80-89 85.1 3.3 84.3 659 43,907 12,141 801,834 774 52,058
90-99 91.9 6.2 89.3 223 14,251 1,302 85,008 243 15,964
100+ 57.5 28.8 54.3 4 246 17 1,124 7 453
Total 79.7 1.4 78.7 3,432 224,929 731,021 48,943,417 4,307 285,700
GRAND TOTAL 80.1 1.2 79.0 4,438 286,427 1,300,361 84,822,848 5,542 362,552

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.4     TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 62.0 11.0 64.5 32 4,957 114,264 17,804,410 52 7,689
2 73.4 9.1 73.8 65 9,491 114,578 17,543,081 89 12,863
3 67.1 8.3 66.8 66 9,532 107,345 16,537,108 98 14,270
4 59.8 7.6 63.2 62 9,416 101,572 15,481,950 104 14,907
5 77.2 8.2 75.0 88 12,298 96,982 14,728,089 114 16,395
6-10 73.8 2.9 72.7 630 87,537 486,336 71,821,015 854 120,343
11-15 83.5 2.9 84.0 810 109,552 379,421 51,225,620 970 130,349
Total 76.9 1.8 76.6 1,753 242,782 1,400,498 205,141,272 2,280 316,815
Select Experience By Issue Age
0-4 123.7 39.1 123.2 10 1,201 58,526 7,052,008 8 975
5-14 73.4 23.2 67.2 10 1,116 54,353 6,648,217 14 1,662
15-24 96.4 13.0 89.2 55 6,487 140,000 18,168,465 57 7,271
25-34 79.8 6.1 76.7 172 25,118 375,091 58,873,122 215 32,767
35-44 92.4 4.5 90.8 428 61,909 394,290 61,089,085 463 68,197
45-54 72.8 3.3 73.2 490 67,821 269,735 38,751,205 674 92,615
55-64 65.2 3.5 65.9 343 45,737 92,608 12,432,593 526 69,387
65-74 78.2 5.8 77.4 183 24,465 14,456 1,926,688 234 31,613
75-89 70.1 8.9 72.6 62 8,927 1,438 199,759 88 12,289
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 76.9 1.8 76.6 1,753 242,782 1,400,498 205,141,272 2,280 316,815
Ultimate Experience By Attained Age
15-19 98.7 57.0 99.5 3 401 10,196 1,360,676 3 403
20-29 51.1 20.9 59.0 6 897 23,601 3,065,422 12 1,520
30-39 54.2 14.5 57.0 14 1,754 38,727 4,615,019 26 3,079
40-49 84.0 6.1 84.6 192 24,965 182,770 23,546,796 228 29,495
50-59 81.3 3.3 83.6 614 83,032 265,143 35,054,953 755 99,284
60-69 73.6 2.8 72.4 700 90,275 113,587 14,837,135 951 124,644
70-79 73.2 3.4 72.9 462 61,451 26,698 3,527,785 631 84,282
80-89 85.6 3.9 85.0 490 66,765 9,115 1,241,693 572 78,553
90-99 76.7 6.6 78.3 135 18,938 961 130,599 176 24,190
100+ 106.3 61.4 80.9 3 325 8 1,126 3 402
Total 78.0 1.5 78.2 2,619 348,803 670,805 87,381,203 3,357 445,851
GRAND TOTAL 77.6 1.2 77.6 4,372 591,585 2,071,303 292,522,475 5,637 762,666

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.5     TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 52.7 12.1 62.9 19 7,235 87,143 28,545,707 36 11,494
2 44.7 8.9 44.8 25 7,925 88,169 28,541,658 56 17,673
3 58.2 10.0 53.4 34 9,814 81,024 26,096,443 58 18,388
4 55.8 9.6 55.0 34 10,559 75,845 24,221,391 61 19,191
5 79.4 11.2 83.6 50 16,407 68,257 21,671,564 63 19,636
6-10 66.8 4.1 65.3 266 79,353 289,055 88,721,319 398 121,444
11-15 85.8 6.3 88.6 188 60,129 86,060 26,529,682 219 67,833
Total 69.1 2.8 69.4 616 191,423 775,553 244,327,766 892 275,659
Select Experience By Issue Age
0-4 0.0 0.0 86.0 0 250 7,336 2,178,840 1 291
5-14 191.4 95.7 188.8 4 1,177 8,459 2,520,033 2 623
15-24 100.0 26.7 119.0 14 4,901 38,886 11,478,029 14 4,117
25-34 67.3 7.7 69.2 77 25,298 242,469 78,165,224 114 36,556
35-44 76.4 5.6 73.1 184 55,230 283,243 90,299,430 241 75,542
45-54 65.6 4.9 64.2 178 53,004 156,375 47,892,595 271 82,516
55-64 61.9 6.2 65.9 98 31,698 34,358 10,416,344 158 48,128
65-74 64.8 10.2 65.8 40 12,647 3,916 1,213,619 62 19,215
75-89 76.5 16.7 83.3 21 7,218 513 163,652 27 8,670
90+ 0 0 0 0 0 0
Total 69.1 2.8 69.4 616 191,423 775,553 244,327,766 892 275,659
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,236 402,697 0 121
20-29 240.9 139.1 226.9 3 901 2,437 784,171 1 397
30-39 46.9 46.9 39.4 1 250 3,291 976,351 2 635
40-49 74.0 17.9 76.0 17 5,351 18,270 5,574,443 23 7,037
50-59 66.6 8.5 67.7 61 19,300 33,837 10,492,952 92 28,505
60-69 74.2 7.2 75.0 106 33,753 17,229 5,391,477 143 45,016
70-79 57.8 7.2 61.4 65 22,371 4,702 1,510,338 112 36,447
80-89 76.6 8.6 73.9 80 25,526 1,669 548,061 104 34,521
90-99 132.6 21.5 122.5 38 11,467 160 52,772 29 9,358
100+ 278.6 197.0 271.1 2 650 2 650 1 240
Total 73.5 3.8 73.7 373 119,569 82,833 25,733,912 508 162,278
GRAND TOTAL 70.7 2.2 71.0 989 310,992 858,387 270,061,677 1,399 437,937

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.6     TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 88.4 19.8 88.5 20 12,030 59,928 36,029,496 23 13,597
2 57.0 13.4 50.2 18 9,415 58,005 34,510,773 32 18,765
3 58.0 13.3 61.9 19 12,050 51,374 30,480,343 33 19,472
4 56.3 12.6 54.5 20 11,450 47,209 27,870,834 36 20,998
5 61.3 13.4 61.4 21 12,350 39,712 23,242,137 34 20,123
6-10 75.3 6.5 75.1 135 78,532 129,320 75,011,601 179 104,604
11-15 74.9 8.8 73.2 72 40,842 32,088 18,422,843 96 55,758
Total 70.5 4.0 69.7 305 176,669 417,637 245,568,026 432 253,318
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,215 1,359,767 0 181
5-14 267.0 188.8 220.8 2 1,000 3,074 1,873,611 1 453
15-24 41.5 29.3 55.6 2 1,500 13,658 7,630,093 5 2,697
25-34 55.1 9.7 54.0 32 18,347 135,403 79,186,790 58 33,947
35-44 82.8 8.2 80.5 103 58,907 169,812 100,633,677 124 73,219
45-54 77.4 7.9 76.1 96 55,087 75,840 44,491,425 124 72,364
55-64 48.4 8.0 48.4 37 21,700 15,481 9,104,818 76 44,805
65-74 58.8 14.3 61.4 17 10,589 1,870 1,120,842 29 17,235
75-89 105.8 27.3 105.6 15 8,680 284 166,145 14 8,218
90+ 432.3 432.3 432.3 1 858 1 858 0 198
Total 70.5 4.0 69.7 305 176,669 417,637 245,568,026 432 253,318
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 177 114,041 0 33
20-29 0.0 0.0 0.0 0 0 470 293,704 0 154
30-39 0.0 0.0 0.0 0 0 733 433,463 0 286
40-49 110.1 45.0 103.9 6 3,217 4,203 2,384,133 5 3,095
50-59 89.4 17.2 86.8 27 15,192 10,956 6,344,736 30 17,507
60-69 88.8 12.3 95.2 52 32,754 6,962 4,068,574 59 34,396
70-79 60.1 11.0 58.5 30 17,846 2,073 1,253,010 50 30,481
80-89 65.7 11.6 65.3 32 19,283 776 469,061 49 29,509
90-99 49.9 18.9 62.3 7 5,424 72 45,366 14 8,710
100+ 305.2 215.8 305.2 2 1,000 2 1,000 1 328
Total 74.9 6.0 76.1 156 94,716 26,424 15,407,087 208 124,499
GRAND TOTAL 72.0 3.4 71.8 461 271,384 444,061 260,975,114 641 377,816

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 1.7     TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 17.2 12.2 17.0 2 3,500 25,784 41,849,988 12 20,550
2 60.4 19.1 41.8 10 12,560 24,327 40,412,091 17 30,041
3 80.0 22.2 53.4 13 14,889 20,313 31,792,836 16 27,908
4 74.4 20.6 59.0 13 18,250 18,470 30,059,158 17 30,947
5 12.0 8.5 10.6 2 3,160 14,725 23,661,342 17 29,748
6-10 54.1 8.0 61.8 46 89,354 47,277 72,719,691 85 144,543
11-15 80.7 12.6 94.0 41 80,228 12,956 20,685,413 51 85,389
Total 59.2 5.3 60.1 127 221,940 163,852 261,180,519 215 369,126
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 781 1,508,267 0 188
5-14 0.0 0.0 0.0 0 0 1,069 2,334,102 0 544
15-24 78.0 78.0 41.6 1 1,000 3,085 5,634,025 1 2,406
25-34 51.9 17.3 41.9 9 10,300 38,153 53,397,168 17 24,600
35-44 71.1 11.5 59.8 38 49,898 71,290 110,667,475 53 83,392
45-54 59.1 9.6 57.2 38 62,342 38,559 66,288,061 64 108,910
55-64 52.3 10.7 41.1 24 34,600 9,247 17,795,914 46 84,184
65-74 52.5 15.8 100.6 11 42,536 1,422 2,992,241 21 42,294
75-89 55.1 22.5 94.1 6 21,264 246 563,265 11 22,607
90+ 0 0 0 0 0 0
Total 59.2 5.3 60.1 127 221,940 163,852 261,180,519 215 369,126
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 49 93,709 0 29
20-29 0.0 0.0 0.0 0 0 165 288,752 0 146
30-39 0.0 0.0 0.0 0 0 315 500,347 0 331
40-49 55.2 55.2 103.5 1 3,000 1,411 2,291,883 2 2,899
50-59 97.1 29.3 100.7 11 17,560 4,084 6,263,662 11 17,430
60-69 69.1 16.3 93.3 18 38,324 3,032 4,712,228 26 41,095
70-79 55.4 13.4 61.3 17 31,025 1,262 2,081,190 31 50,652
80-89 63.5 13.9 50.8 21 30,469 539 997,631 33 59,997
90-99 38.7 27.4 33.5 2 3,000 28 51,874 5 8,965
100+ 0 0 0 0 0 0
Total 64.6 7.7 68.0 70 123,378 10,885 17,281,276 108 181,543
GRAND TOTAL 61.0 4.3 62.7 197 345,319 174,737 278,461,795 323 550,669

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.1     TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
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 99.0 49.5 103.4 4 30 5,943 32,258 4 29
2 139.9 57.1 182.6 6 84 4,521 38,025 4 46
3 45.7 32.3 58.6 2 27 3,915 41,690 4 47
4 110.7 49.5 104.3 5 58 3,278 41,267 5 55
5 76.7 44.3 126.2 3 74 1,913 39,356 4 59
6-10 94.8 20.2 102.6 22 515 7,621 218,052 23 502
11-15 95.0 11.4 91.6 69 1,030 8,309 245,284 73 1,124
Total 94.9 9.0 97.6 111 1,817 35,499 655,932 117 1,861
Select Experience By Issue Age
0-4 233.1 134.6 88.3 3 20 8,011 145,960 1 22
5-14 69.9 69.9 83.5 1 31 4,601 87,849 1 37
15-24 86.9 61.5 99.6 2 52 4,022 80,568 2 53
25-34 57.7 40.8 53.7 2 45 5,010 99,913 3 83
35-44 89.4 36.5 102.1 6 182 4,532 91,534 7 178
45-54 71.2 19.0 80.2 14 362 4,578 87,070 20 451
55-64 76.5 15.3 99.6 25 527 3,140 45,843 33 529
65-74 118.4 17.3 113.4 47 458 1,462 15,458 40 404
75-89 112.3 33.9 135.2 11 139 142 1,732 10 103
90+ 185.0 0 1 0 4 0 1
Total 94.9 9.0 97.6 111 1,817 35,499 655,932 117 1,861
Ultimate Experience By Attained Age
15-19 312.5 221.0 124.6 2 14 1,459 26,566 1 11
20-29 126.7 44.8 127.3 8 84 8,563 91,047 6 66
30-39 108.5 20.2 120.2 29 214 30,357 202,044 27 178
40-49 155.1 13.5 149.3 131 802 56,069 351,095 84 537
50-59 119.6 5.7 111.0 444 2,571 92,558 579,708 371 2,315
60-69 83.0 2.2 86.3 1,450 8,977 138,727 831,583 1,748 10,402
70-79 85.0 1.3 88.0 4,045 21,294 142,896 739,620 4,758 24,206
80-89 98.3 1.1 102.9 8,423 37,764 106,657 465,015 8,565 36,684
90-99 69.8 1.2 82.3 3,200 12,683 19,974 69,317 4,585 15,403
100+ 9.6 0.8 24.5 137 353 3,230 3,310 1,421 1,439
Total 82.9 0.6 92.9 17,869 84,756 600,491 3,359,306 21,565 91,242
GRAND TOTAL 82.9 0.6 93.0 17,980 86,573 635,989 4,015,237 21,682 93,104

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.2     TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 23.1 83.1 17 432 18,311 615,958 18 520
2 80.8 17.2 71.2 22 525 17,374 566,935 27 738
3 119.6 19.7 92.5 37 762 17,611 577,785 31 824
4 119.2 18.6 117.0 41 1,061 16,410 537,160 34 906
5 84.4 14.3 70.8 35 727 16,784 506,539 41 1,026
6-10 97.4 5.4 87.8 323 7,504 95,701 2,932,710 332 8,543
11-15 83.1 3.2 78.3 680 15,769 142,281 4,190,691 819 20,137
Total 88.7 2.6 81.9 1,155 26,781 324,471 9,927,776 1,302 32,695
Select Experience By Issue Age
0-4 91.5 26.4 113.8 12 392 73,241 1,924,591 13 344
5-14 81.1 21.7 73.8 14 313 41,666 1,050,778 17 425
15-24 92.3 19.2 69.2 23 579 36,943 1,265,827 25 836
25-34 75.4 15.1 61.1 25 829 38,648 1,624,453 33 1,358
35-44 112.1 12.0 99.6 87 2,629 39,049 1,453,940 78 2,639
45-54 91.8 6.1 84.7 227 5,747 44,184 1,349,439 247 6,784
55-64 80.7 4.2 76.1 373 8,331 35,373 908,977 462 10,941
65-74 90.8 5.0 83.3 333 6,776 14,268 327,359 367 8,138
75-89 101.5 13.0 96.2 61 1,185 1,100 22,413 60 1,231
90+ 0 0 0 0 0 0
Total 88.7 2.6 81.9 1,155 26,781 324,471 9,927,776 1,302 32,695
Ultimate Experience By Attained Age
15-19 104.8 25.4 137.1 17 617 38,080 1,057,807 16 450
20-29 93.9 10.2 96.3 84 2,131 124,115 3,094,129 89 2,214
30-39 105.4 10.0 101.2 111 2,409 118,697 2,697,079 105 2,380
40-49 111.6 7.5 98.8 219 6,436 127,413 4,216,615 196 6,513
50-59 104.3 3.4 96.7 967 29,674 229,120 7,876,487 927 30,695
60-69 82.7 1.7 77.9 2,510 62,572 248,535 6,862,622 3,035 80,344
70-79 84.3 1.3 81.6 4,053 85,343 152,582 3,410,512 4,810 104,631
80-89 98.9 1.4 96.3 4,961 96,551 66,872 1,349,504 5,015 100,304
90-99 80.7 2.4 78.3 1,121 21,654 6,497 129,621 1,389 27,641
100+ 36.3 8.6 31.8 18 319 115 2,319 50 1,003
Total 90.0 0.8 86.4 14,061 307,705 1,112,024 30,696,696 15,632 356,175
GRAND TOTAL 89.9 0.7 86.0 15,216 334,486 1,436,496 40,624,472 16,934 388,870

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.3     TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 126.1 31.5 108.7 16 889 19,190 1,244,763 13 818
2 82.1 21.2 74.2 15 877 17,107 1,117,649 18 1,182
3 72.2 18.6 74.2 15 968 16,358 1,064,605 21 1,305
4 111.6 22.3 96.0 25 1,353 15,947 1,025,010 22 1,410
5 81.6 17.8 79.7 21 1,275 15,405 976,609 26 1,600
6-10 88.7 6.5 85.0 189 11,468 83,818 5,348,801 213 13,491
11-15 77.8 4.6 78.2 285 17,790 98,627 6,176,935 366 22,764
Total 83.3 3.5 81.3 566 34,620 266,451 16,954,372 679 42,571
Select Experience By Issue Age
0-4 16.9 16.9 14.8 1 50 35,194 2,009,840 6 339
5-14 66.4 27.1 58.4 6 301 23,036 1,326,248 9 515
15-24 122.4 23.1 108.6 28 1,476 35,352 2,122,220 23 1,359
25-34 89.9 15.0 94.4 36 2,559 50,125 3,401,194 40 2,712
35-44 103.6 11.1 99.3 87 5,628 48,860 3,373,098 84 5,669
45-54 84.7 6.7 83.9 159 9,923 45,168 2,946,760 188 11,823
55-64 70.4 5.8 68.1 149 8,763 23,274 1,444,611 212 12,870
65-74 90.4 9.3 86.0 94 5,516 5,212 315,643 104 6,412
75-89 44.2 18.0 47.6 6 404 229 14,622 14 847
90+ 0.0 0.0 0.0 0 0 2 135 0 24
Total 83.3 3.5 81.3 566 34,620 266,451 16,954,372 679 42,571
Ultimate Experience By Attained Age
15-19 79.3 39.6 63.3 4 202 11,800 746,023 5 320
20-29 86.6 18.9 73.4 21 1,130 34,086 2,164,127 24 1,540
30-39 99.3 18.8 86.2 28 1,472 31,854 1,936,043 28 1,707
40-49 95.0 9.6 89.6 98 6,547 67,720 4,776,741 103 7,308
50-59 87.1 4.4 84.5 387 27,331 121,611 9,014,151 444 32,341
60-69 76.3 2.9 75.6 682 45,577 84,431 5,773,070 894 60,306
70-79 76.7 3.1 75.0 602 38,624 28,443 1,853,388 785 51,522
80-89 85.6 3.8 84.2 504 34,188 8,296 565,771 589 40,592
90-99 81.3 7.2 80.0 126 8,466 724 49,607 155 10,583
100+ 50.0 28.8 51.9 3 196 14 880 6 377
Total 80.9 1.6 79.3 2,455 163,733 388,978 26,879,802 3,034 206,596
GRAND TOTAL 81.4 1.5 79.6 3,021 198,352 655,429 43,834,174 3,713 249,166

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.4     TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 58.8 13.1 59.5 20 3,051 54,204 8,506,820 34 5,128
2 84.4 12.7 85.7 44 6,575 54,160 8,355,940 52 7,668
3 74.1 11.3 75.2 43 6,403 50,311 7,834,027 58 8,519
4 65.4 10.3 63.7 40 5,685 47,758 7,361,878 61 8,919
5 79.6 10.9 77.9 53 7,579 45,640 7,040,812 67 9,729
6-10 77.9 3.9 74.7 389 53,183 234,492 35,238,119 500 71,188
11-15 85.0 3.9 85.3 475 64,800 189,575 26,147,943 559 75,929
Total 80.0 2.5 78.7 1,064 147,275 676,139 100,485,539 1,331 187,079
Select Experience By Issue Age
0-4 132.3 54.0 137.4 6 751 28,487 3,424,093 5 547
5-14 74.9 28.3 65.8 7 750 27,349 3,331,016 9 1,139
15-24 82.9 14.4 77.1 33 3,905 65,922 8,499,378 40 5,067
25-34 68.0 7.3 66.1 87 13,098 166,802 26,663,692 128 19,822
35-44 98.6 6.1 94.8 264 38,206 189,440 30,100,766 268 40,296
45-54 81.2 4.5 79.5 330 45,169 138,751 20,382,572 407 56,788
55-64 70.7 4.6 71.6 239 32,194 52,107 7,120,131 338 44,950
65-74 75.0 8.0 74.0 87 11,529 6,964 920,649 116 15,589
75-89 53.6 16.2 58.9 11 1,673 315 43,111 21 2,841
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 80.0 2.5 78.7 1,064 147,275 676,139 100,485,539 1,331 187,079
Ultimate Experience By Attained Age
15-19 96.4 68.2 83.3 2 226 4,894 639,407 2 271
20-29 36.1 20.8 38.9 3 419 11,670 1,512,686 8 1,076
30-39 53.3 17.8 56.0 9 1,132 19,652 2,355,253 17 2,022
40-49 77.7 7.4 75.4 109 13,842 96,131 12,562,655 140 18,348
50-59 85.5 4.1 86.3 440 59,452 163,044 21,995,645 515 68,855
60-69 74.0 3.2 72.6 546 71,391 79,446 10,617,838 737 98,330
70-79 76.9 3.8 76.4 401 53,783 19,881 2,670,428 521 70,380
80-89 79.0 4.4 79.0 324 45,034 5,871 810,464 410 57,031
90-99 71.4 8.2 74.6 76 11,417 508 73,161 106 15,306
100+ 120.6 120.6 64.7 1 100 2 368 1 155
Total 77.7 1.8 77.4 1,911 256,796 401,100 53,237,904 2,458 331,774
GRAND TOTAL 78.5 1.4 77.9 2,975 404,071 1,077,239 153,723,443 3,789 518,853

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.5     TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 59.5 15.4 72.8 15 5,885 43,677 14,444,994 25 8,082
2 46.6 11.3 49.8 17 5,775 44,335 14,545,094 36 11,608
3 63.2 12.9 58.6 24 7,082 40,974 13,373,082 38 12,088
4 50.8 11.4 50.3 20 6,300 38,368 12,450,833 39 12,513
5 62.5 12.5 68.5 25 8,630 34,503 11,136,549 40 12,597
6-10 67.3 5.1 66.8 175 53,420 154,322 48,229,455 260 80,012
11-15 81.2 7.5 83.6 117 37,627 52,062 16,328,714 144 45,002
Total 67.4 3.4 68.6 393 124,718 408,243 130,508,721 583 181,901
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,576 1,057,040 1 162
5-14 208.3 120.2 186.1 3 800 4,256 1,268,638 1 430
15-24 110.6 33.3 106.8 11 3,133 17,997 5,333,636 10 2,934
25-34 66.4 9.5 72.1 49 17,226 114,871 37,740,011 74 23,905
35-44 76.0 7.0 74.3 118 36,739 149,738 48,693,158 155 49,464
45-54 63.3 5.9 62.7 117 35,628 92,453 28,679,094 185 56,799
55-64 57.9 7.1 64.6 67 22,764 23,070 7,034,512 116 35,242
65-74 75.3 14.8 73.1 26 7,846 2,170 667,836 35 10,738
75-89 28.2 19.9 26.2 2 583 110 34,797 7 2,226
90+ 0 0 0 0 0 0
Total 67.4 3.4 68.6 393 124,718 408,243 130,508,721 583 181,901
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 637 200,060 0 84
20-29 221.4 156.6 198.1 2 567 1,264 401,899 1 286
30-39 67.3 67.3 56.3 1 250 1,786 532,273 1 444
40-49 64.6 19.5 66.0 11 3,462 12,058 3,711,981 17 5,245
50-59 71.4 9.9 72.0 52 16,396 25,128 7,848,769 73 22,778
60-69 75.7 7.9 74.7 93 29,071 13,863 4,372,455 123 38,899
70-79 51.8 7.3 57.2 50 17,992 3,731 1,205,712 97 31,429
80-89 80.2 10.1 76.7 63 20,238 1,143 382,460 79 26,392
90-99 121.8 27.2 109.5 20 5,829 78 25,705 16 5,321
100+ 248.7 248.7 248.7 1 400 1 400 0 161
Total 71.9 4.2 71.9 293 94,205 59,689 18,681,713 407 131,039
GRAND TOTAL 69.3 2.6 70.0 686 218,923 467,932 149,190,434 990 312,940

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.6     TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 77.0 21.3 78.6 13 7,972 33,270 20,226,788 17 10,147
2 61.8 16.5 54.6 14 7,415 32,397 19,550,104 23 13,586
3 55.5 15.4 59.7 13 8,400 28,928 17,465,542 23 14,060
4 39.0 12.3 38.0 10 5,800 27,301 16,406,940 26 15,260
5 57.7 15.4 59.5 14 8,550 23,197 13,836,777 24 14,366
6-10 69.5 7.2 69.1 92 53,761 82,193 48,452,579 132 77,836
11-15 72.3 10.2 68.0 50 27,352 22,478 13,018,850 69 40,197
Total 65.5 4.6 64.3 206 119,250 249,764 148,957,579 314 185,451
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,100 665,266 0 100
5-14 193.6 193.6 161.0 1 500 1,561 942,859 1 311
15-24 56.0 39.6 74.7 2 1,500 6,706 3,783,748 4 2,007
25-34 46.2 10.6 42.8 19 10,421 71,410 42,553,287 41 24,347
35-44 71.8 8.9 71.3 65 38,395 103,355 62,185,364 90 53,814
45-54 81.6 9.2 80.7 78 45,242 52,639 31,158,569 96 56,082
55-64 44.1 8.5 42.3 27 15,200 11,825 6,975,893 61 35,951
65-74 58.9 18.6 56.0 10 5,636 1,091 645,985 17 10,064
75-89 85.4 42.7 84.9 4 2,356 77 46,609 5 2,776
90+ 0 0 0 0 0 0
Total 65.5 4.6 64.3 206 119,250 249,764 148,957,579 314 185,451
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 79 50,247 0 21
20-29 0.0 0.0 0.0 0 0 261 160,181 0 115
30-39 0.0 0.0 0.0 0 0 430 250,327 0 206
40-49 114.0 51.0 103.8 5 2,600 3,110 1,774,538 4 2,504
50-59 78.1 17.5 75.1 20 11,193 8,815 5,125,534 26 14,897
60-69 86.4 12.9 92.7 45 28,377 5,912 3,461,566 52 30,601
70-79 66.3 12.3 63.8 29 17,046 1,696 1,027,109 44 26,729
80-89 62.4 12.7 64.2 24 15,008 551 335,964 38 23,377
90-99 54.2 24.2 72.6 5 4,198 42 26,623 9 5,787
100+ 0 0 0 0 0 0
Total 73.5 6.5 75.2 128 78,422 20,897 12,212,089 174 104,238
GRAND TOTAL 68.4 3.7 68.2 334 197,672 270,661 161,169,668 488 289,689

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.7     TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 20.6 14.6 20.3 2 3,500 18,051 30,520,105 10 17,275
2 60.3 21.3 44.3 8 10,560 17,200 29,803,897 13 23,851
3 91.1 26.3 60.2 12 13,889 14,574 23,791,227 13 23,080
4 77.6 23.4 64.3 11 16,250 13,477 22,524,597 14 25,278
5 14.9 10.6 13.4 2 3,160 10,800 17,926,834 13 23,552
6-10 60.6 9.3 70.3 42 83,354 36,591 57,407,031 69 118,559
11-15 78.6 14.3 97.9 30 61,348 10,007 15,728,229 38 62,681
Total 62.5 6.0 65.3 107 192,060 120,701 197,701,921 171 294,275
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 379 712,134 0 100
5-14 0.0 0.0 0.0 0 0 541 1,092,013 0 351
15-24 93.2 93.2 48.7 1 1,000 1,962 3,737,315 1 2,054
25-34 49.8 18.8 41.2 7 8,300 25,382 36,565,523 14 20,143
35-44 70.2 12.6 57.7 31 40,398 52,718 84,665,091 44 70,057
45-54 64.0 10.8 62.5 35 58,262 31,135 54,357,413 55 93,204
55-64 54.6 11.9 44.4 21 31,300 7,578 14,508,121 38 70,499
65-74 64.5 21.5 149.7 9 40,536 924 1,820,761 14 27,079
75-89 65.8 38.0 113.7 3 12,264 82 243,550 5 10,788
90+ 0 0 0 0 0 0
Total 62.5 6.0 65.3 107 192,060 120,701 197,701,921 171 294,275
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 27 47,118 0 20
20-29 0.0 0.0 0.0 0 0 92 157,140 0 108
30-39 0.0 0.0 0.0 0 0 169 255,600 0 219
40-49 0.0 0.0 0.0 0 0 1,061 1,626,915 1 2,257
50-59 112.1 33.8 117.3 11 17,560 3,413 5,174,238 10 14,973
60-69 68.4 17.1 92.4 16 34,324 2,600 4,081,692 23 37,159
70-79 51.8 13.8 61.2 14 26,775 1,049 1,687,073 27 43,745
80-89 66.5 16.1 56.4 17 26,469 381 721,043 26 46,962
90-99 0.0 0.0 0.0 0 0 18 23,274 4 4,825
100+ 0 0 0 0 0 0
Total 63.7 8.4 70.0 58 105,128 8,810 13,774,092 91 150,269
GRAND TOTAL 62.9 4.9 66.9 165 297,189 129,511 211,476,013 262 444,544

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.8     TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
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 42.9 42.9 57.0 1 8 5,759 30,818 2 15
2 132.6 66.3 98.3 4 26 4,357 38,471 3 26
3 126.0 63.0 68.2 4 21 3,821 42,646 3 30
4 128.8 57.6 106.7 5 38 3,100 39,927 4 36
5 82.9 47.9 51.3 3 22 1,896 39,149 4 42
6-10 105.4 23.0 79.4 21 305 7,332 204,114 20 384
11-15 95.0 10.5 86.0 82 920 9,181 249,198 86 1,069
Total 98.1 9.0 83.6 120 1,339 35,446 644,322 122 1,602
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,427 109,349 1 12
5-14 0.0 0.0 0.0 0 0 3,721 71,771 1 13
15-24 0.0 0.0 0.0 0 0 3,418 74,305 1 19
25-34 0.0 0.0 59.5 0 31 4,929 107,425 2 53
35-44 51.0 29.5 75.4 3 119 4,982 104,389 6 157
45-54 60.4 17.4 68.3 12 293 5,703 105,187 20 429
55-64 102.7 18.2 81.3 32 344 3,993 51,502 31 422
65-74 123.6 16.8 105.7 54 388 1,995 18,157 44 367
75-89 107.0 24.5 126.3 19 164 277 2,237 18 130
90+ 50.9 0 0 0 1 0 0
Total 98.1 9.0 83.6 120 1,339 35,446 644,322 122 1,602
Ultimate Experience By Attained Age
15-19 0.0 0.0 298.4 0 13 1,351 24,444 0 4
20-29 86.9 61.5 166.1 2 39 7,604 79,622 2 24
30-39 127.4 30.0 137.1 18 122 29,112 185,348 14 89
40-49 127.3 15.5 114.3 67 402 49,096 317,886 53 352
50-59 92.6 5.7 92.7 265 1,743 86,301 581,639 286 1,879
60-69 69.8 2.4 69.5 867 4,662 119,480 671,394 1,242 6,708
70-79 96.8 2.1 99.8 2,226 10,136 106,855 483,574 2,300 10,157
80-89 108.5 1.5 110.4 5,340 20,183 88,724 336,214 4,920 18,288
90-99 81.1 1.5 89.0 2,818 9,566 21,425 67,721 3,476 10,749
100+ 25.0 2.0 35.6 162 405 1,763 3,207 648 1,139
Total 90.9 0.8 95.7 11,765 47,271 511,712 2,751,050 12,942 49,389
GRAND TOTAL 91.0 0.8 95.3 11,885 48,610 547,158 3,395,372 13,064 50,991

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.9     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 79.1 25.0 61.9 10 206 20,083 654,521 13 332
2 73.7 16.9 82.3 19 523 19,215 618,093 26 635
3 66.7 14.5 72.5 21 566 19,846 640,894 32 781
4 77.4 14.9 72.3 27 615 19,182 613,993 35 851
5 70.1 13.0 63.1 29 604 19,766 588,531 41 958
6-10 83.5 5.0 82.5 283 6,606 111,727 3,370,449 339 8,009
11-15 88.9 3.2 86.1 775 16,677 173,154 4,938,652 872 19,376
Total 85.8 2.5 83.4 1,164 25,797 382,973 11,425,134 1,357 30,942
Select Experience By Issue Age
0-4 85.5 32.3 90.1 7 209 70,353 1,977,304 8 232
5-14 56.1 28.0 67.3 4 125 39,375 1,040,580 7 186
15-24 60.0 24.5 38.2 6 135 37,392 1,326,953 10 353
25-34 100.9 21.0 101.0 23 922 44,223 1,825,365 23 912
35-44 87.9 10.4 87.3 71 2,214 48,843 1,723,465 81 2,536
45-54 88.8 5.6 85.9 251 5,962 65,897 1,808,934 283 6,943
55-64 78.0 4.1 73.8 358 7,211 53,235 1,222,725 459 9,773
65-74 89.1 4.9 88.1 331 6,722 21,290 451,901 371 7,629
75-89 98.4 9.3 96.7 113 2,298 2,364 47,882 115 2,376
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 85.8 2.5 83.4 1,164 25,797 382,973 11,425,134 1,357 30,942
Ultimate Experience By Attained Age
15-19 106.8 40.4 69.4 7 130 35,822 1,026,152 7 187
20-29 111.7 18.1 104.5 38 884 116,513 2,926,021 34 846
30-39 129.3 16.4 118.4 62 1,314 105,432 2,425,368 48 1,109
40-49 102.0 8.5 94.9 145 4,463 125,596 4,198,376 142 4,703
50-59 86.0 3.5 82.2 598 17,175 214,927 6,760,330 695 20,890
60-69 77.5 2.2 73.3 1,266 28,261 182,583 4,511,700 1,633 38,549
70-79 92.6 2.2 89.2 1,719 30,497 99,531 1,877,551 1,857 34,203
80-89 106.6 2.3 101.4 2,156 33,812 42,929 711,276 2,022 33,332
90-99 90.7 3.8 90.9 568 9,773 4,202 71,929 626 10,750
100+ 58.8 20.8 63.9 8 192 39 847 14 301
Total 92.8 1.1 87.3 6,567 126,500 927,574 24,509,550 7,077 144,870
GRAND TOTAL 91.7 1.0 86.6 7,731 152,297 1,310,548 35,934,685 8,434 175,812

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.10     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 105.3 37.2 85.1 8 401 21,545 1,370,096 8 471
2 107.5 27.8 87.9 15 767 18,976 1,208,516 14 873
3 59.4 18.8 59.6 10 620 18,677 1,199,602 17 1,039
4 49.4 16.5 44.1 9 493 18,161 1,151,970 18 1,119
5 52.7 15.9 59.0 11 745 17,436 1,089,639 21 1,262
6-10 79.1 6.8 79.3 135 8,463 94,300 5,932,879 171 10,672
11-15 81.8 5.2 81.7 252 15,390 113,794 6,972,357 308 18,846
Total 79.1 3.8 78.4 440 26,879 302,889 18,925,058 556 34,282
Select Experience By Issue Age
0-4 74.7 43.1 97.4 3 231 34,242 2,007,284 4 237
5-14 99.8 49.9 88.7 4 205 22,867 1,326,833 4 231
15-24 94.9 30.0 84.7 10 525 40,248 2,391,086 11 620
25-34 92.4 17.8 90.9 27 1,756 62,657 4,141,455 29 1,932
35-44 76.7 10.1 75.2 58 3,636 60,262 3,953,048 76 4,837
45-54 77.3 7.1 77.9 118 7,239 51,946 3,254,560 153 9,292
55-64 70.9 7.0 67.8 104 5,954 23,611 1,419,650 147 8,784
65-74 89.2 9.5 91.6 89 5,714 6,444 392,830 100 6,238
75-89 80.3 15.5 77.1 27 1,619 611 38,238 34 2,101
90+ 0.0 0.0 0.0 0 0 1 75 0 10
Total 79.1 3.8 78.4 440 26,879 302,889 18,925,058 556 34,282
Ultimate Experience By Attained Age
15-19 179.5 89.8 131.4 4 200 12,182 830,312 2 152
20-29 90.9 30.3 80.3 9 521 34,567 2,270,694 10 649
30-39 68.2 21.6 65.4 10 575 31,835 1,912,185 15 880
40-49 80.7 9.4 80.6 73 4,799 80,818 5,340,435 90 5,951
50-59 81.0 5.1 82.0 254 16,773 112,796 7,482,592 314 20,456
60-69 63.2 4.1 66.1 238 15,018 53,587 3,258,408 376 22,725
70-79 70.9 6.1 68.2 136 7,757 11,833 697,280 192 11,367
80-89 83.7 6.7 84.8 155 9,719 3,845 236,063 185 11,466
90-99 110.7 11.2 107.5 97 5,785 577 35,401 88 5,382
100+ 105.5 105.5 66.1 1 50 3 244 1 76
Total 76.7 2.5 77.4 977 61,196 342,043 22,063,615 1,273 79,104
GRAND TOTAL 77.5 2.1 77.7 1,417 88,075 644,932 40,988,674 1,829 113,386

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.11     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 68.2 19.7 74.4 12 1,906 60,060 9,297,590 18 2,561
2 57.6 12.6 56.1 21 2,915 60,418 9,187,141 36 5,195
3 57.1 11.9 54.4 23 3,128 57,034 8,703,081 40 5,752
4 51.8 11.0 62.3 22 3,731 53,814 8,120,072 42 5,988
5 73.9 12.5 70.8 35 4,719 51,341 7,687,277 47 6,666
6-10 68.1 4.4 69.9 241 34,354 251,844 36,582,896 354 49,155
11-15 81.5 4.5 82.2 335 44,752 189,846 25,077,676 411 54,420
Total 72.6 2.8 73.6 689 95,506 724,359 104,655,734 949 129,736
Select Experience By Issue Age
0-4 112.7 56.4 105.0 4 450 30,038 3,627,915 4 428
5-14 70.4 40.6 70.1 3 366 27,004 3,317,202 4 523
15-24 127.7 27.2 117.2 22 2,582 74,078 9,669,087 17 2,203
25-34 97.2 10.5 92.9 85 12,020 208,288 32,209,429 87 12,946
35-44 83.9 6.6 85.0 164 23,703 204,849 30,988,319 195 27,900
45-54 59.9 4.7 63.2 160 22,652 130,984 18,368,633 267 35,827
55-64 55.2 5.4 55.4 104 13,543 40,501 5,312,462 188 24,437
65-74 81.5 8.3 80.7 96 12,936 7,493 1,006,038 118 16,025
75-89 75.1 10.5 76.8 51 7,255 1,123 156,649 68 9,448
90+ 0 0 0 0 0 0
Total 72.6 2.8 73.6 689 95,506 724,359 104,655,734 949 129,736
Ultimate Experience By Attained Age
15-19 103.7 103.7 133.1 1 175 5,302 721,269 1 131
20-29 87.6 50.6 107.6 3 478 11,931 1,552,736 3 444
30-39 56.0 25.0 58.9 5 622 19,075 2,259,766 9 1,056
40-49 94.2 10.3 99.8 83 11,123 86,639 10,984,141 88 11,146
50-59 72.4 5.5 77.5 174 23,580 102,098 13,059,309 240 30,429
60-69 72.2 5.8 71.8 154 18,884 34,141 4,219,297 213 26,313
70-79 55.6 7.1 55.2 61 7,668 6,817 857,356 110 13,901
80-89 102.4 7.9 101.0 166 21,731 3,244 431,228 162 21,522
90-99 84.6 11.0 84.6 59 7,521 453 57,438 70 8,885
100+ 100.4 71.0 91.0 2 225 6 758 2 247
Total 78.8 3.0 80.7 708 92,007 269,705 34,143,299 899 114,076
GRAND TOTAL 75.6 2.0 76.9 1,397 187,513 994,064 138,799,032 1,848 243,813

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.12     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 36.9 18.5 39.6 4 1,350 43,466 14,100,714 11 3,413
2 41.0 14.5 35.4 8 2,150 43,834 13,996,564 20 6,065
3 48.9 15.5 43.4 10 2,732 40,049 12,723,361 20 6,300
4 64.8 17.3 63.8 14 4,259 37,477 11,770,558 22 6,678
5 108.8 21.8 110.5 25 7,777 33,754 10,535,015 23 7,040
6-10 66.0 6.9 62.6 91 25,934 134,733 40,491,864 138 41,432
11-15 94.6 11.2 98.6 71 22,502 33,998 10,200,968 75 22,831
Total 72.3 4.8 71.1 223 66,705 367,310 113,819,044 308 93,758
Select Experience By Issue Age
0-4 0.0 0.0 194.2 0 250 3,760 1,121,800 0 129
5-14 154.0 154.0 195.0 1 377 4,202 1,251,395 1 193
15-24 73.9 42.7 149.5 3 1,768 20,888 6,144,393 4 1,183
25-34 68.8 13.0 63.8 28 8,072 127,598 40,425,214 41 12,651
35-44 77.0 9.5 70.9 66 18,491 133,505 41,606,271 86 26,078
45-54 70.5 9.0 67.6 61 17,376 63,922 19,213,501 87 25,717
55-64 72.6 13.0 69.3 31 8,933 11,287 3,381,832 43 12,886
65-74 51.5 13.8 56.6 14 4,801 1,746 545,783 27 8,477
75-89 93.3 21.4 103.0 19 6,635 403 128,855 20 6,444
90+ 0 0 0 0 0 0
Total 72.3 4.8 71.1 223 66,705 367,310 113,819,044 308 93,758
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 599 202,636 0 37
20-29 292.2 292.2 301.1 1 334 1,173 382,273 0 111
30-39 0.0 0.0 0.0 0 0 1,505 444,079 1 191
40-49 100.5 41.0 105.4 6 1,889 6,212 1,862,462 6 1,792
50-59 47.9 16.0 50.7 9 2,904 8,708 2,644,183 19 5,727
60-69 64.6 17.9 76.5 13 4,682 3,366 1,019,021 20 6,117
70-79 94.3 24.4 87.3 15 4,379 971 304,627 16 5,019
80-89 65.8 16.0 65.0 17 5,287 526 165,601 26 8,129
90-99 147.0 34.7 139.7 18 5,639 82 27,067 12 4,037
100+ 316.6 316.6 316.6 1 250 1 250 0 79
Total 79.8 8.9 81.2 80 25,365 23,145 7,052,199 100 31,238
GRAND TOTAL 74.2 4.3 73.7 303 92,069 390,455 120,871,243 409 124,996

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.13     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 122.0 46.1 117.6 7 4,058 26,657 15,802,708 6 3,450
2 45.0 22.5 38.6 4 2,000 25,608 14,960,670 9 5,179
3 64.5 26.3 67.5 6 3,650 22,446 13,014,801 9 5,411
4 101.2 32.0 98.5 10 5,650 19,908 11,463,893 10 5,739
5 69.9 26.4 66.0 7 3,800 16,516 9,405,360 10 5,757
6-10 91.4 13.9 92.5 43 24,771 47,127 26,559,022 47 26,769
11-15 81.3 17.3 86.7 22 13,490 9,610 5,403,993 27 15,561
Total 84.0 8.4 84.6 99 57,418 167,873 96,610,447 118 67,866
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,115 694,501 0 81
5-14 430.2 430.2 351.3 1 500 1,513 930,752 0 142
15-24 0.0 0.0 0.0 0 0 6,952 3,846,345 1 690
25-34 76.8 21.3 82.6 13 7,927 63,992 36,633,504 17 9,600
35-44 111.8 18.1 105.7 38 20,512 66,457 38,448,313 34 19,405
45-54 63.2 14.9 60.5 18 9,845 23,201 13,332,855 28 16,282
55-64 65.7 20.8 73.4 10 6,500 3,656 2,128,926 15 8,854
65-74 58.6 22.1 69.1 7 4,953 780 474,857 12 7,171
75-89 115.8 34.9 116.2 11 6,324 207 119,536 10 5,442
90+ 432.3 432.3 432.3 1 858 1 858 0 198
Total 84.0 8.4 84.6 99 57,418 167,873 96,610,447 118 67,866
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 98 63,794 0 12
20-29 0.0 0.0 0.0 0 0 208 133,523 0 39
30-39 0.0 0.0 0.0 0 0 303 183,136 0 79
40-49 94.3 94.3 104.4 1 617 1,093 609,595 1 591
50-59 152.9 57.8 153.2 7 3,999 2,141 1,219,202 5 2,610
60-69 107.4 40.6 115.3 7 4,377 1,050 607,008 7 3,795
70-79 16.1 16.1 21.3 1 800 377 225,901 6 3,752
80-89 77.9 27.6 69.7 8 4,275 225 133,097 10 6,132
90-99 41.6 29.4 41.9 2 1,226 30 18,743 5 2,923
100+ 305.2 215.8 305.2 2 1,000 2 1,000 1 328
Total 81.6 15.4 80.4 28 16,294 5,528 3,194,999 34 20,261
GRAND TOTAL 83.4 7.4 83.6 127 73,712 173,401 99,805,445 152 88,127

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 2.14     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 7,734 11,329,882 2 3,274
2 60.6 42.8 32.3 2 2,000 7,127 10,608,194 3 6,190
3 32.5 32.5 20.7 1 1,000 5,738 8,001,610 3 4,828
4 60.4 42.7 35.3 2 2,000 4,992 7,534,561 3 5,669
5 0.0 0.0 0.0 0 0 3,925 5,734,507 3 6,196
6-10 25.4 12.7 23.1 4 6,000 10,687 15,312,659 16 25,984
11-15 87.0 26.2 83.1 11 18,880 2,949 4,957,185 13 22,708
Total 46.2 10.3 39.9 20 29,880 43,152 63,478,598 43 74,851
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 402 796,132 0 88
5-14 0.0 0.0 0.0 0 0 528 1,242,088 0 194
15-24 0.0 0.0 0.0 0 0 1,123 1,896,711 0 352
25-34 60.9 43.1 44.9 2 2,000 12,771 16,831,645 3 4,457
35-44 75.3 28.5 71.2 7 9,500 18,572 26,002,385 9 13,335
45-54 31.3 18.1 26.0 3 4,080 7,423 11,930,648 10 15,705
55-64 40.3 23.3 24.1 3 3,300 1,669 3,287,793 7 13,685
65-74 28.5 20.2 13.1 2 2,000 498 1,171,480 7 15,215
75-89 47.4 27.3 76.1 3 9,000 164 319,715 6 11,819
90+ 0 0 0 0 0 0
Total 46.2 10.3 39.9 20 29,880 43,152 63,478,598 43 74,851
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 22 46,591 0 9
20-29 0.0 0.0 0.0 0 0 73 131,613 0 38
30-39 0.0 0.0 0.0 0 0 146 244,748 0 112
40-49 294.9 294.9 467.6 1 3,000 350 664,968 0 642
50-59 0.0 0.0 0.0 0 0 671 1,089,424 2 2,456
60-69 74.4 52.6 101.6 2 4,000 431 630,536 3 3,936
70-79 82.6 47.7 61.5 3 4,250 213 394,117 4 6,907
80-89 53.4 26.7 30.7 4 4,000 158 276,588 7 13,035
90-99 127.6 90.2 72.4 2 3,000 10 28,600 2 4,141
100+ 0 0 0 0 0 0
Total 69.3 20.0 58.4 12 18,250 2,075 3,507,185 17 31,275
GRAND TOTAL 52.8 9.3 45.4 32 48,130 45,226 66,985,782 61 106,125

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 188.5 133.3 152.3 2 13 674 4,160 1 8
2 0.0 0.0 14.8 0 2 488 4,489 1 14
3 0.0 0.0 59.8 0 11 447 4,741 2 18
4 72.2 72.2 43.8 1 8 356 5,009 1 19
5 85.7 85.7 67.3 1 14 274 4,915 1 22
6-10 83.0 31.4 95.4 7 175 1,374 33,907 8 183
11-15 76.3 18.5 82.2 17 347 1,990 60,162 22 422
Total 75.3 14.2 83.1 28 570 5,602 117,384 37 686
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 66 2,645 0 1
5-14 0.0 0.0 40.6 0 2 293 10,916 0 6
15-24 136.1 136.1 152.4 1 25 894 17,787 1 16
25-34 0.0 0.0 51.3 0 18 1,242 25,660 1 34
35-44 56.1 39.7 93.3 2 92 1,153 26,130 4 99
45-54 67.3 25.4 83.7 7 198 1,208 23,337 10 236
55-64 51.8 21.2 71.8 6 142 556 8,810 12 197
65-74 136.3 39.4 102.0 12 88 182 1,985 9 87
75-89 0.0 0.0 53.7 0 5 9 113 1 9
90+ 0 0 0 0 0 0
Total 75.3 14.2 83.1 28 570 5,602 117,384 37 686
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 352 7,620 0 3
20-29 111.0 111.0 133.5 1 15 1,225 15,761 1 11
30-39 58.7 58.7 97.5 1 17 1,502 14,828 2 17
40-49 44.7 31.6 119.3 2 75 1,873 25,957 4 63
50-59 85.9 19.2 93.0 20 253 3,203 38,636 23 272
60-69 60.2 7.7 70.6 61 585 4,358 37,229 101 828
70-79 87.7 6.1 91.8 210 1,272 4,589 26,937 239 1,386
80-89 102.5 6.2 109.1 273 1,342 2,808 13,271 266 1,231
90-99 60.1 8.7 60.1 48 149 363 1,161 80 248
100+ 0.0 0.0 0.0 0 0 13 12 6 5
Total 85.2 3.4 91.2 616 3,708 20,287 181,410 723 4,064
GRAND TOTAL 84.7 3.3 90.1 644 4,278 25,889 298,794 760 4,750

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.2     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 119.3 45.1 107.4 7 173 3,128 99,639 6 162
2 45.0 20.1 36.9 5 108 2,790 88,374 11 291
3 97.6 28.2 80.6 12 254 2,882 89,973 12 315
4 119.9 30.0 107.6 16 357 2,779 85,180 13 331
5 76.9 22.2 78.2 12 281 2,801 77,878 16 360
6-10 113.1 9.7 104.4 135 3,015 18,583 516,795 119 2,887
11-15 87.9 5.6 78.9 242 5,032 33,143 854,801 275 6,376
Total 94.7 4.6 86.0 429 9,220 66,105 1,812,641 453 10,721
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,403 27,036 1 10
5-14 106.0 43.3 108.9 6 118 10,695 206,085 6 108
15-24 130.0 39.2 105.9 11 265 9,345 276,910 8 250
25-34 64.7 21.6 40.8 9 202 10,670 379,973 14 494
35-44 108.0 15.8 88.9 47 1,166 12,074 378,173 44 1,311
45-54 97.1 8.5 86.3 129 2,858 13,094 346,708 133 3,312
55-64 91.6 7.4 88.0 152 3,155 6,995 160,156 166 3,584
65-74 91.0 11.0 87.3 69 1,350 1,749 36,233 76 1,546
75-89 97.1 39.6 101.2 6 107 81 1,366 6 106
90+ 0 0 0 0 0 0
Total 94.7 4.6 86.0 429 9,220 66,105 1,812,641 453 10,721
Ultimate Experience By Attained Age
15-19 0.0 0.0 21.1 0 10 4,622 108,295 2 47
20-29 110.6 26.8 118.6 17 388 21,075 452,493 15 327
30-39 86.9 18.5 79.9 22 436 22,621 482,637 25 545
40-49 93.8 13.5 79.7 48 1,228 21,530 638,583 51 1,540
50-59 86.5 6.0 82.0 205 5,854 33,580 1,023,230 237 7,137
60-69 80.8 3.5 78.5 539 13,053 30,378 774,746 667 16,629
70-79 90.4 3.3 85.7 731 13,313 16,117 313,515 809 15,527
80-89 116.3 5.4 117.1 470 7,910 4,474 75,200 404 6,758
90-99 99.9 16.9 112.2 35 616 171 2,667 35 549
100+ 0 0 0 0 0 0
Total 92.0 2.0 87.3 2,067 42,808 154,567 3,871,366 2,246 49,059
GRAND TOTAL 92.5 1.9 87.0 2,496 52,028 220,672 5,684,006 2,699 59,780

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.3     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 146.7 65.6 116.4 5 252 2,995 191,006 3 216
2 79.9 35.7 65.6 5 260 2,641 170,650 6 396
3 75.0 33.5 85.7 5 350 2,561 163,691 7 408
4 45.6 26.3 47.7 3 200 2,369 150,291 7 419
5 40.0 23.1 53.7 3 250 2,355 148,488 7 466
6-10 81.5 12.0 76.8 46 2,703 13,041 817,609 56 3,519
11-15 84.9 9.3 86.3 84 5,175 22,160 1,310,347 99 5,993
Total 81.3 6.6 80.5 151 9,190 48,122 2,952,083 186 11,419
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,049 55,282 0 21
5-14 95.9 55.4 92.0 3 151 5,894 309,483 3 164
15-24 147.5 46.6 141.5 10 550 7,709 442,977 7 389
25-34 93.6 26.0 105.4 13 948 11,040 711,791 14 900
35-44 91.4 15.7 85.4 34 2,052 11,124 731,060 37 2,402
45-54 70.4 10.1 67.6 49 2,867 8,489 531,145 70 4,241
55-64 68.3 12.5 73.2 30 1,925 2,509 151,887 44 2,629
65-74 114.9 33.2 109.2 12 697 299 17,763 10 638
75-89 0.0 0.0 0.0 0 0 10 695 0 35
90+ 0 0 0 0 0 0
Total 81.3 6.6 80.5 151 9,190 48,122 2,952,083 186 11,419
Ultimate Experience By Attained Age
15-19 161.2 93.1 152.5 3 152 4,292 230,157 2 100
20-29 59.4 29.7 71.1 4 266 9,517 529,256 7 374
30-39 104.9 35.0 100.9 9 486 7,609 426,718 9 482
40-49 78.4 15.4 82.8 26 1,763 13,216 844,365 33 2,128
50-59 86.4 7.1 90.8 150 10,160 25,411 1,643,103 174 11,190
60-69 83.7 5.7 88.3 212 13,683 12,533 770,171 253 15,500
70-79 77.7 8.3 76.5 88 5,238 2,377 143,327 113 6,845
80-89 96.0 17.8 92.9 29 1,712 335 20,489 30 1,842
90-99 144.9 64.8 158.1 5 311 18 1,029 3 197
100+ 0 0 0 0 0 0
Total 84.3 3.7 87.4 526 33,772 75,310 4,608,615 624 38,657
GRAND TOTAL 83.6 3.2 85.8 677 42,962 123,432 7,560,698 810 50,076

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.4     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 95.4 33.7 75.9 8 926 8,669 1,357,619 8 1,220
2 39.0 15.9 36.9 6 800 8,469 1,270,651 15 2,170
3 60.9 19.3 59.7 10 1,383 7,965 1,198,349 16 2,315
4 82.8 22.1 67.2 14 1,600 7,545 1,117,813 17 2,382
5 109.2 25.1 100.3 19 2,444 7,133 1,044,395 17 2,436
6-10 79.6 8.0 73.0 98 12,330 36,952 5,253,654 123 16,885
11-15 82.7 8.4 85.4 97 12,962 28,485 3,675,384 117 15,184
Total 80.0 5.0 76.2 252 32,445 105,219 14,917,866 315 42,592
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 352 39,953 0 15
5-14 86.1 60.9 75.2 2 200 4,765 547,649 2 266
15-24 99.1 31.3 105.2 10 1,303 12,095 1,492,527 10 1,239
25-34 62.4 13.0 59.0 23 3,217 31,155 4,749,476 37 5,456
35-44 97.7 10.5 92.6 86 11,498 32,807 4,843,551 88 12,416
45-54 76.9 8.1 71.5 91 11,208 20,082 2,740,283 118 15,682
55-64 65.0 11.3 62.5 33 4,016 3,724 474,593 51 6,422
65-74 79.0 32.2 78.3 6 758 230 28,480 8 968
75-89 122.1 122.1 191.6 1 245 10 1,355 1 128
90+ 0 0 0 0 0 0
Total 80.0 5.0 76.2 252 32,445 105,219 14,917,866 315 42,592
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 983 113,686 0 49
20-29 56.6 56.6 47.1 1 100 2,484 298,507 2 212
30-39 71.0 41.0 66.7 3 325 3,698 426,094 4 488
40-49 80.6 15.8 80.1 26 3,245 12,662 1,584,663 32 4,052
50-59 85.7 7.6 87.0 126 16,101 22,058 2,778,181 147 18,502
60-69 81.5 7.3 82.5 126 15,959 7,939 992,410 155 19,348
70-79 91.8 12.4 92.9 55 7,028 1,258 158,569 60 7,562
80-89 100.9 23.8 106.2 18 2,436 197 25,304 18 2,294
90-99 75.2 53.2 69.4 2 215 13 1,522 3 310
100+ 0 0 0 0 0 0
Total 84.8 4.5 86.0 357 45,408 51,292 6,378,936 421 52,817
GRAND TOTAL 82.8 3.4 81.6 609 77,853 156,512 21,296,802 736 95,408

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.5     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 4,630 1,519,311 3 1,117
2 49.5 28.6 56.9 3 1,100 4,417 1,435,053 6 1,934
3 73.0 32.7 72.2 5 1,575 4,450 1,419,046 7 2,180
4 13.9 13.9 13.4 1 300 4,213 1,321,456 7 2,237
5 68.0 30.4 84.7 5 1,913 3,801 1,182,824 7 2,258
6-10 59.2 11.2 60.4 28 8,600 17,488 5,263,082 47 14,242
11-15 113.1 23.6 104.3 23 6,464 4,765 1,437,756 20 6,197
Total 66.0 8.2 66.1 65 19,951 43,765 13,578,527 99 30,165
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 17 4,839 0 2
5-14 500.5 500.5 546.3 1 300 431 117,813 0 55
15-24 156.0 90.1 133.4 3 750 2,447 716,402 2 562
25-34 61.4 19.4 68.5 10 3,475 15,929 5,021,038 16 5,076
35-44 85.0 15.5 83.7 30 9,069 17,150 5,350,226 35 10,831
45-54 46.9 11.7 44.9 16 4,618 7,045 2,132,793 34 10,283
55-64 32.7 18.9 41.9 3 1,200 703 221,914 9 2,867
65-74 128.5 90.9 111.5 2 540 42 13,252 2 484
75-89 0.0 0.0 0.0 0 0 1 250 0 4
90+ 0 0 0 0 0 0
Total 66.0 8.2 66.1 65 19,951 43,765 13,578,527 99 30,165
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 46 14,105 0 6
20-29 0.0 0.0 0.0 0 0 108 31,615 0 23
30-39 374.2 374.2 312.1 1 250 232 69,836 0 80
40-49 0.0 0.0 0.0 0 0 1,084 324,380 3 829
50-59 96.0 26.6 89.9 13 3,706 2,010 607,653 14 4,121
60-69 92.7 22.5 94.3 17 5,253 908 274,032 18 5,573
70-79 40.9 20.5 63.0 4 1,947 202 64,222 10 3,091
80-89 131.9 53.8 118.9 6 1,768 52 17,016 5 1,487
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 83.1 13.0 85.0 41 12,923 4,643 1,402,858 49 15,209
GRAND TOTAL 71.7 7.0 72.5 106 32,875 48,408 14,981,385 148 45,375

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.6     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 57.4 57.4 47.2 1 500 2,520 1,535,840 2 1,060
2 33.2 33.2 27.7 1 500 2,378 1,429,480 3 1,806
3 31.2 31.2 26.2 1 500 2,252 1,329,067 3 1,912
4 56.3 39.8 47.5 2 1,000 2,096 1,235,963 4 2,105
5 70.6 49.9 87.1 2 1,450 1,631 949,027 3 1,665
6-10 69.4 19.3 67.6 13 7,270 6,572 3,748,364 19 10,749
11-15 37.2 21.5 32.6 3 1,509 1,505 858,128 8 4,635
Total 55.9 11.7 53.2 23 12,729 18,955 11,085,869 41 23,932
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 1,000 0 0
5-14 0.0 0.0 0.0 0 0 138 76,162 0 36
15-24 0.0 0.0 0.0 0 0 711 407,346 1 311
25-34 44.4 25.6 44.7 3 1,750 7,119 4,163,489 7 3,919
35-44 61.9 20.6 60.3 9 5,079 7,903 4,621,919 15 8,423
45-54 75.5 23.9 70.1 10 5,400 2,706 1,588,707 13 7,708
55-64 20.4 20.4 17.3 1 500 349 211,892 5 2,892
65-74 0.0 0.0 0.0 0 0 26 15,353 1 643
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 55.9 11.7 53.2 23 12,729 18,955 11,085,869 41 23,932
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 10 5,768 0 2
20-29 0.0 0.0 0.0 0 0 32 17,903 0 13
30-39 0.0 0.0 0.0 0 0 51 30,751 0 35
40-49 0.0 0.0 0.0 0 0 222 126,721 1 335
50-59 48.0 34.0 42.3 2 1,000 592 335,132 4 2,365
60-69 160.6 50.8 163.6 10 5,824 315 179,214 6 3,561
70-79 49.9 35.3 43.0 2 1,040 81 48,457 4 2,417
80-89 54.7 54.7 46.8 1 500 21 12,111 2 1,068
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 88.7 22.9 85.4 15 8,364 1,324 756,056 17 9,796
GRAND TOTAL 65.5 10.6 62.5 38 21,093 20,279 11,841,925 58 33,728

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.7     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 1,134 1,899,163 1 1,520
2 119.7 84.6 71.5 2 2,060 1,056 1,905,889 2 2,882
3 0.0 0.0 0.0 0 0 818 1,213,225 1 2,034
4 187.9 108.5 130.0 3 3,500 825 1,350,258 2 2,692
5 0.0 0.0 0.0 0 0 577 924,035 1 2,361
6-10 51.0 25.5 55.0 4 7,000 2,286 3,444,321 8 12,720
11-15 31.6 31.6 22.4 1 1,080 541 849,177 3 4,825
Total 55.9 17.7 47.0 10 13,640 7,237 11,586,068 18 29,034
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 25 28,923 0 14
15-24 0.0 0.0 0.0 0 0 207 510,428 0 390
25-34 106.5 75.3 93.0 2 2,500 2,022 2,963,273 2 2,688
35-44 49.6 28.6 42.4 3 4,000 3,346 5,260,554 6 9,433
45-54 61.5 30.7 46.7 4 5,140 1,411 2,416,908 7 11,015
55-64 35.5 35.5 40.1 1 2,000 213 391,775 3 4,982
65-74 0.0 0.0 0.0 0 0 12 14,206 0 513
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 55.9 17.7 47.0 10 13,640 7,237 11,586,068 18 29,034
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1 1,003 0 0
20-29 0.0 0.0 0.0 0 0 10 14,987 0 11
30-39 0.0 0.0 0.0 0 0 20 55,588 0 63
40-49 0.0 0.0 0.0 0 0 70 114,030 0 303
50-59 73.1 73.1 153.1 1 3,240 198 307,457 1 2,116
60-69 77.3 54.7 87.7 2 3,329 122 177,886 3 3,794
70-79 0.0 0.0 0.0 0 0 37 58,999 2 2,994
80-89 217.1 217.1 107.7 1 1,060 5 9,324 0 984
90-99 0.0 0.0 0.0 0 0 1 1,000 0 173
100+ 0 0 0 0 0 0
Total 60.3 30.1 73.1 4 7,629 464 740,273 7 10,438
GRAND TOTAL 57.1 15.3 53.9 14 21,269 7,700 12,326,341 25 39,472

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.8     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 42.9 42.9 56.6 1 10 2,949 18,891 2 17
2 124.2 71.7 178.1 3 37 2,067 18,831 2 21
3 43.6 43.6 37.6 1 9 1,695 19,459 2 23
4 115.6 66.8 125.6 3 38 1,364 18,522 3 30
5 83.6 59.1 161.6 2 49 971 16,619 2 30
6-10 106.4 27.5 104.1 15 292 3,706 97,131 14 280
11-15 87.6 15.5 91.1 32 550 3,817 112,923 37 603
Total 91.0 12.0 97.9 57 984 16,568 302,376 63 1,005
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1 271 0 0
5-14 0.0 0.0 0.0 0 0 21 3,662 0 2
15-24 80.3 80.3 51.9 1 15 2,484 50,931 1 29
25-34 96.0 67.9 56.0 2 27 3,757 73,247 2 48
35-44 129.9 65.0 115.4 4 90 3,351 64,231 3 78
45-54 77.7 29.4 72.9 7 153 3,333 62,371 9 210
55-64 83.1 21.4 114.0 15 348 2,434 35,044 18 306
65-74 94.1 20.1 105.8 22 278 1,094 11,500 23 263
75-89 103.3 42.2 105.3 6 72 93 1,119 6 68
90+ 0 0 0 0 0 0
Total 91.0 12.0 97.9 57 984 16,568 302,376 63 1,005
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 21 654 0 0
20-29 703.9 497.7 463.7 2 15 369 4,318 0 3
30-39 0.0 0.0 188.0 0 20 776 13,722 1 11
40-49 172.7 77.2 151.0 5 83 2,328 44,538 3 55
50-59 105.9 33.5 69.5 10 110 3,602 61,222 9 158
60-69 74.4 12.4 84.9 36 512 5,179 67,306 48 602
70-79 89.6 7.6 91.2 139 1,278 5,924 54,784 155 1,402
80-89 99.1 5.8 101.7 294 2,133 4,129 29,879 297 2,098
90-99 81.7 9.4 78.1 76 474 445 2,917 93 608
100+ 0.0 0.0 0.0 0 0 5 22 2 10
Total 92.3 3.9 93.5 562 4,625 22,779 279,360 609 4,946
GRAND TOTAL 92.2 3.7 94.2 619 5,609 39,347 581,736 671 5,951

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.9     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 26.6 69.9 8 224 9,223 335,956 11 320
2 81.2 23.4 84.1 12 348 8,680 301,581 15 414
3 139.6 28.5 101.1 24 478 8,429 300,802 17 473
4 121.1 24.7 124.7 24 677 7,812 279,395 20 543
5 94.2 19.6 70.5 23 446 7,723 265,672 24 632
6-10 89.7 6.6 81.1 185 4,438 45,858 1,612,113 206 5,473
11-15 79.7 3.9 76.8 412 10,051 65,684 2,199,482 517 13,090
Total 84.9 3.2 79.6 688 16,662 153,408 5,295,001 810 20,945
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 433 12,206 0 5
5-14 77.1 77.1 62.4 1 25 2,242 69,795 1 40
15-24 69.8 22.1 51.7 10 265 23,953 862,608 14 513
25-34 78.3 20.2 70.2 15 603 27,828 1,237,775 19 859
35-44 115.3 18.5 108.8 39 1,433 26,786 1,068,531 34 1,317
45-54 83.3 8.6 82.3 94 2,819 30,796 994,353 113 3,428
55-64 74.8 5.1 71.1 217 5,131 28,040 741,469 290 7,218
65-74 90.9 5.6 82.8 259 5,342 12,331 287,522 285 6,449
75-89 99.3 13.6 93.5 53 1,043 999 20,743 53 1,116
90+ 0 0 0 0 0 0
Total 84.9 3.2 79.6 688 16,662 153,408 5,295,001 810 20,945
Ultimate Experience By Attained Age
15-19 56.2 56.2 63.3 1 31 4,024 109,155 2 48
20-29 94.3 28.4 109.0 11 307 15,909 385,464 12 281
30-39 119.0 24.8 128.6 23 681 25,111 687,239 19 530
40-49 113.5 14.2 106.4 64 2,244 46,779 1,732,025 56 2,110
50-59 95.5 7.7 93.8 153 5,645 62,224 2,353,985 160 6,020
60-69 79.5 3.7 77.0 458 13,778 64,842 2,067,850 576 17,904
70-79 82.8 2.5 80.4 1,057 24,949 50,091 1,240,795 1,277 31,023
80-89 92.2 2.4 90.4 1,449 29,393 23,270 485,087 1,572 32,524
90-99 75.9 4.8 73.7 248 4,861 1,612 32,440 327 6,592
100+ 46.3 46.3 30.7 1 21 5 154 2 67
Total 86.5 1.5 84.4 3,465 81,910 293,869 9,094,193 4,004 97,099
GRAND TOTAL 86.3 1.3 83.5 4,153 98,572 447,277 14,389,194 4,814 118,043

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.10     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 138.0 41.6 121.5 11 637 10,992 745,868 8 524
2 91.6 29.0 85.7 10 617 9,912 673,388 11 720
3 63.5 22.4 64.2 8 518 9,350 634,319 13 807
4 131.3 31.0 110.4 18 953 8,806 590,789 14 864
5 75.6 21.8 72.6 12 725 8,382 559,970 16 999
6-10 91.2 8.4 88.0 119 7,450 43,054 2,948,077 130 8,462
11-15 77.1 5.6 77.1 190 11,940 58,090 3,787,513 246 15,494
Total 84.0 4.4 82.0 368 22,839 148,587 9,939,925 438 27,869
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 179 10,645 0 4
5-14 71.7 71.7 63.9 1 50 2,346 132,227 1 78
15-24 94.9 27.4 80.8 12 626 21,553 1,332,859 13 775
25-34 84.2 19.3 82.9 19 1,326 33,627 2,369,798 23 1,599
35-44 103.7 15.8 104.9 43 3,075 33,432 2,378,391 41 2,931
45-54 91.8 9.3 91.6 97 6,252 33,306 2,213,246 106 6,828
55-64 73.0 6.9 68.9 112 6,488 19,280 1,206,707 153 9,415
65-74 88.4 10.0 84.6 78 4,619 4,659 283,005 88 5,461
75-89 49.6 20.3 53.6 6 404 202 12,912 12 753
90+ 0.0 0.0 0.0 0 0 2 135 0 24
Total 84.0 4.4 82.0 368 22,839 148,587 9,939,925 438 27,869
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,596 92,734 1 42
20-29 60.3 34.8 53.6 3 150 7,004 393,726 5 280
30-39 109.1 32.9 95.6 11 561 13,067 759,983 10 587
40-49 102.4 13.3 99.1 59 3,894 46,449 3,144,707 58 3,930
50-59 87.7 6.6 80.6 175 11,293 77,933 5,491,964 200 14,013
60-69 70.7 3.9 71.2 325 21,271 55,825 3,662,401 460 29,868
70-79 78.4 4.1 75.8 363 21,492 19,351 1,184,924 463 28,343
80-89 83.1 4.9 80.4 287 17,139 5,184 318,818 346 21,309
90-99 92.0 10.8 96.9 72 4,642 372 22,799 78 4,790
100+ 0.0 0.0 0.0 0 0 7 402 3 174
Total 79.8 2.2 77.8 1,295 80,442 226,787 15,072,458 1,622 103,335
GRAND TOTAL 80.7 2.0 78.7 1,663 103,281 375,374 25,012,382 2,060 131,203

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.11     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 45.9 13.8 52.1 11 1,925 38,254 6,246,503 24 3,695
2 99.2 16.8 100.5 35 5,324 39,302 6,286,731 35 5,298
3 80.4 14.2 80.5 32 4,795 36,307 5,868,482 40 5,955
4 59.6 11.9 62.6 25 3,885 33,987 5,428,589 42 6,202
5 66.4 11.9 69.0 31 4,785 32,967 5,258,490 47 6,932
6-10 79.5 4.7 77.5 283 39,752 172,418 26,517,201 356 51,288
11-15 86.2 4.5 85.4 364 49,737 145,036 20,452,219 422 58,220
Total 80.9 2.9 80.1 781 110,203 498,270 76,058,215 966 137,590
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 282 37,039 0 14
5-14 0.0 0.0 0.0 0 0 3,730 452,930 2 243
15-24 88.2 18.4 77.2 23 2,602 47,415 6,187,785 26 3,369
25-34 73.1 9.3 71.4 62 9,581 127,040 20,588,499 85 13,420
35-44 99.2 7.6 93.9 169 24,833 150,027 24,201,826 170 26,456
45-54 84.0 5.5 83.9 233 33,211 115,390 17,149,828 278 39,569
55-64 72.6 5.1 73.9 203 27,777 47,509 6,527,102 280 37,575
65-74 76.8 8.5 75.6 81 10,772 6,581 872,707 106 14,254
75-89 52.1 16.5 53.9 10 1,428 295 40,371 19 2,648
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 80.9 2.9 80.1 781 110,203 498,270 76,058,215 966 137,590
Ultimate Experience By Attained Age
15-19 252.9 178.8 229.1 2 226 1,813 226,490 1 99
20-29 36.0 36.0 29.8 1 100 3,908 472,582 3 335
30-39 63.8 26.0 72.7 6 807 12,171 1,436,312 9 1,110
40-49 75.2 8.9 73.0 71 9,114 74,489 9,803,427 94 12,486
50-59 85.7 5.1 86.6 279 37,941 129,552 17,462,052 325 43,802
60-69 73.7 3.8 73.6 375 49,370 64,844 8,556,301 509 67,042
70-79 73.3 4.4 72.1 283 36,276 16,236 2,115,000 386 50,326
80-89 75.8 4.9 76.5 235 31,388 4,579 602,965 310 41,008
90-99 77.5 9.8 80.8 62 8,616 384 51,201 80 10,668
100+ 248.7 248.7 248.7 1 100 1 100 0 40
Total 76.5 2.1 76.7 1,315 173,938 307,977 40,726,429 1,719 226,917
GRAND TOTAL 78.1 1.7 78.0 2,096 284,141 806,246 116,784,644 2,684 364,506

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.12     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 64.9 21.6 86.2 9 4,055 26,662 9,353,455 14 4,705
2 34.2 12.9 37.5 7 2,550 28,102 9,659,054 20 6,796
3 58.8 15.7 52.3 14 4,057 28,422 9,543,497 24 7,753
4 60.7 15.2 59.1 16 5,050 27,920 9,238,799 26 8,539
5 65.5 15.4 65.6 18 5,767 25,588 8,394,412 27 8,795
6-10 68.7 5.9 67.9 137 41,812 126,555 39,635,592 199 61,545
11-15 76.5 7.9 80.8 93 30,813 45,648 14,372,569 122 38,117
Total 67.9 4.0 69.1 294 94,104 308,897 100,197,377 433 136,250
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 12,602 0 5
5-14 222.4 222.4 196.0 1 250 844 238,268 0 128
15-24 101.2 38.2 98.7 7 2,025 13,272 3,958,305 7 2,051
25-34 66.0 11.3 71.3 34 12,071 86,418 28,798,746 52 16,932
35-44 73.3 8.2 71.8 80 25,320 115,950 38,255,797 109 35,256
45-54 68.5 7.2 67.7 91 27,911 71,943 22,630,238 133 41,254
55-64 61.7 8.1 67.8 58 19,489 18,421 5,680,283 94 28,726
65-74 67.8 14.8 66.7 21 6,456 1,895 588,591 31 9,675
75-89 28.2 20.0 26.2 2 583 109 34,547 7 2,222
90+ 0 0 0 0 0 0
Total 67.9 4.0 69.1 294 94,104 308,897 100,197,377 433 136,250
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 317 92,063 0 40
20-29 381.1 269.4 373.3 2 567 733 212,384 1 152
30-39 0.0 0.0 0.0 0 0 1,312 376,351 1 290
40-49 80.1 24.1 81.8 11 3,462 10,645 3,273,357 14 4,234
50-59 67.4 10.9 65.9 38 11,521 22,368 6,939,831 56 17,493
60-69 75.0 8.8 74.3 73 22,461 12,335 3,831,159 97 30,245
70-79 47.9 8.0 49.3 36 11,648 3,160 991,648 75 23,630
80-89 84.5 11.8 80.8 51 15,515 910 290,069 60 19,204
90-99 105.2 28.1 96.5 14 3,884 63 19,189 13 4,024
100+ 248.7 248.7 248.7 1 400 1 400 0 161
Total 71.0 4.7 69.8 226 69,457 51,844 16,026,452 318 99,474
GRAND TOTAL 69.2 3.0 69.4 520 163,561 360,741 116,223,829 751 235,723

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.13     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 66.2 25.0 71.4 7 4,672 22,198 13,917,080 11 6,542
2 70.1 22.2 61.0 10 5,350 22,119 13,715,133 14 8,770
3 62.6 19.8 70.8 10 6,900 21,284 13,095,720 16 9,750
4 41.0 15.5 39.3 7 4,050 20,034 12,230,422 17 10,318
5 55.7 18.6 57.4 9 5,600 16,743 10,170,384 16 9,751
6-10 68.1 8.1 67.6 71 41,691 68,436 40,530,138 104 61,664
11-15 78.1 11.4 73.7 47 25,842 20,381 11,813,163 60 35,083
Total 67.5 5.3 66.3 161 94,106 191,195 115,472,038 238 141,878
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,645 0 2
5-14 0.0 0.0 0.0 0 0 206 115,958 0 61
15-24 79.2 56.0 105.6 2 1,500 4,961 2,803,956 3 1,421
25-34 47.7 12.7 43.7 14 7,671 53,311 32,191,401 29 17,566
35-44 69.0 10.2 69.0 46 27,716 80,639 49,193,425 67 40,146
45-54 86.1 11.0 85.3 61 35,727 41,485 24,860,817 71 41,905
55-64 48.5 9.9 46.2 24 13,500 9,568 5,695,183 49 29,198
65-74 67.6 21.4 64.0 10 5,636 939 560,045 15 8,802
75-89 85.4 42.7 84.9 4 2,356 77 46,609 5 2,776
90+ 0 0 0 0 0 0
Total 67.5 5.3 66.3 161 94,106 191,195 115,472,038 238 141,878
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 30 17,383 0 8
20-29 0.0 0.0 0.0 0 0 102 56,614 0 41
30-39 0.0 0.0 0.0 0 0 332 186,845 0 144
40-49 108.4 54.2 100.0 4 2,100 2,817 1,603,488 4 2,101
50-59 86.9 20.5 84.7 18 10,193 8,029 4,659,583 21 12,028
60-69 77.9 13.4 83.0 34 21,097 5,412 3,146,105 44 25,412
70-79 65.9 13.4 64.0 24 13,758 1,510 889,989 36 21,501
80-89 68.9 14.7 72.6 22 13,475 470 274,745 32 18,549
90-99 27.0 19.1 34.0 2 1,417 34 19,178 7 4,172
100+ 0 0 0 0 0 0
Total 72.2 7.1 73.9 104 62,041 18,736 10,853,930 144 83,955
GRAND TOTAL 69.3 4.3 69.1 265 156,146 209,931 126,325,968 383 225,833

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.14     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 29.7 21.0 27.2 2 3,500 13,434 24,004,214 7 12,863
2 66.9 27.3 50.7 6 8,500 12,908 23,194,205 9 16,766
3 129.6 37.4 81.9 12 13,889 11,296 19,061,139 9 16,959
4 68.0 25.7 61.8 7 11,750 10,694 18,245,462 10 19,025
5 10.6 10.6 12.7 1 2,160 8,319 14,133,712 9 16,964
6-10 64.9 10.7 75.1 37 74,354 31,388 49,779,449 57 99,071
11-15 78.0 15.0 88.0 27 50,268 9,225 14,371,751 35 57,154
Total 67.5 7.0 68.9 92 164,421 97,265 162,789,934 136 238,804
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4 4,126 0 2
5-14 0.0 0.0 0.0 0 0 64 116,117 0 65
15-24 128.6 128.6 69.7 1 1,000 1,487 2,785,833 1 1,435
25-34 37.3 18.6 30.6 4 4,800 20,192 29,760,814 11 15,672
35-44 79.1 15.2 62.3 27 34,398 43,162 71,040,532 34 55,234
45-54 69.2 12.9 59.7 29 43,123 25,288 45,074,611 42 72,226
55-64 60.5 13.9 48.3 19 28,300 6,179 12,173,524 31 58,568
65-74 70.9 23.6 163.4 9 40,536 808 1,590,826 13 24,814
75-89 65.8 38.0 113.7 3 12,264 82 243,550 5 10,788
90+ 0 0 0 0 0 0
Total 67.5 7.0 68.9 92 164,421 97,265 162,789,934 136 238,804
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 8 8,487 0 4
20-29 0.0 0.0 0.0 0 0 27 31,566 0 23
30-39 0.0 0.0 0.0 0 0 133 180,735 0 140
40-49 0.0 0.0 0.0 0 0 977 1,494,393 1 1,922
50-59 120.7 38.2 114.8 10 14,320 3,173 4,769,387 8 12,469
60-69 69.7 18.6 96.4 14 30,995 2,420 3,798,830 20 32,161
70-79 58.7 15.7 69.3 14 26,775 972 1,563,238 24 38,651
80-89 64.5 16.7 55.5 15 23,300 352 664,318 23 41,999
90-99 0.0 0.0 0.0 0 0 15 18,664 3 3,929
100+ 0 0 0 0 0 0
Total 66.3 9.1 72.7 53 95,390 8,077 12,529,619 80 131,298
GRAND TOTAL 67.1 5.6 70.2 145 259,811 105,342 175,319,552 216 370,101

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.15     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 154.3 154.3 213.7 1 7 2,320 9,207 1 3
2 548.0 316.4 401.0 3 45 1,966 14,705 1 11
3 191.1 191.1 130.3 1 8 1,774 17,490 1 6
4 185.8 185.8 189.3 1 11 1,557 17,736 1 6
5 0.0 0.0 155.2 0 10 668 17,822 0 7
6-10 0.0 0.0 126.7 0 48 2,541 87,014 1 38
11-15 144.4 32.3 134.5 20 133 2,502 72,198 14 99
Total 151.7 29.7 154.3 26 263 13,329 236,172 17 171
Select Experience By Issue Age
0-4 237.8 137.3 92.9 3 20 7,944 143,044 1 21
5-14 78.5 78.5 98.5 1 28 4,288 73,271 1 29
15-24 0.0 0.0 178.3 0 12 644 11,850 0 7
25-34 0.0 0.0 0.0 0 0 11 1,007 0 1
35-44 0.0 0.0 0.0 0 0 29 1,172 0 2
45-54 0.0 0.0 245.4 0 11 37 1,362 0 4
55-64 132.4 66.2 139.0 4 37 151 1,989 3 27
65-74 173.3 48.1 168.2 13 92 185 1,973 8 55
75-89 145.8 65.2 245.5 5 62 40 500 3 25
90+ 185.0 0 1 0 4 0 1
Total 151.7 29.7 154.3 26 263 13,329 236,172 17 171
Ultimate Experience By Attained Age
15-19 419.9 296.9 181.1 2 14 1,087 18,293 0 8
20-29 97.5 43.6 104.9 5 54 6,970 70,968 5 52
30-39 114.7 21.7 118.0 28 177 28,078 173,494 24 150
40-49 160.8 14.4 153.6 124 644 51,868 280,601 77 420
50-59 122.3 6.0 117.1 414 2,208 85,752 479,851 338 1,885
60-69 84.7 2.3 87.8 1,353 7,881 129,190 727,048 1,598 8,971
70-79 84.7 1.4 87.5 3,696 18,744 132,382 657,899 4,363 21,418
80-89 98.2 1.1 102.8 7,856 34,288 99,720 421,865 8,002 33,355
90-99 69.7 1.3 82.9 3,076 12,060 19,166 65,239 4,412 14,548
100+ 9.7 0.8 24.8 137 353 3,212 3,277 1,413 1,425
Total 82.5 0.6 92.9 16,691 76,423 557,425 2,898,535 20,234 82,232
GRAND TOTAL 82.5 0.6 93.1 16,717 76,686 570,754 3,134,708 20,251 82,402

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.16     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 148.7 105.1 91.0 2 35 5,961 180,363 1 38
2 374.8 167.6 208.7 5 70 5,904 176,979 1 34
3 69.0 69.0 83.5 1 30 6,300 187,010 1 36
4 80.5 80.5 84.2 1 27 5,819 172,585 1 32
5 0.0 0.0 0.0 0 0 6,259 162,989 1 34
6-10 48.7 28.1 28.0 3 51 31,260 803,802 6 183
11-15 98.0 19.2 102.1 26 686 43,454 1,136,407 27 671
Total 96.2 15.6 87.4 38 899 104,958 2,820,134 40 1,029
Select Experience By Issue Age
0-4 96.7 27.9 119.1 12 392 71,404 1,885,349 12 329
5-14 68.0 25.7 61.6 7 170 28,729 774,899 10 276
15-24 93.8 66.4 67.0 2 49 3,645 126,309 2 72
25-34 946.9 946.9 505.7 1 25 150 6,704 0 5
35-44 358.2 358.2 280.7 1 30 189 7,236 0 11
45-54 248.1 124.1 158.2 4 70 294 8,379 2 44
55-64 65.1 32.5 32.2 4 45 337 7,351 6 140
65-74 83.7 37.4 58.7 5 84 189 3,604 6 143
75-89 363.3 256.9 373.8 2 35 21 304 1 9
90+ 0 0 0 0 0 0
Total 96.2 15.6 87.4 38 899 104,958 2,820,134 40 1,029
Ultimate Experience By Attained Age
15-19 128.8 32.2 162.8 16 576 29,434 840,357 12 354
20-29 89.7 12.0 89.5 56 1,436 87,131 2,256,173 62 1,605
30-39 108.8 13.4 99.0 66 1,292 70,965 1,527,203 61 1,305
40-49 120.7 11.7 103.5 107 2,965 59,104 1,846,007 89 2,864
50-59 115.0 4.7 103.6 609 18,175 133,315 4,499,272 530 17,538
60-69 84.5 2.2 78.0 1,513 35,740 153,314 4,020,026 1,792 45,811
70-79 83.1 1.7 81.1 2,265 47,081 86,373 1,856,203 2,724 58,081
80-89 100.1 1.8 97.1 3,042 59,248 39,127 789,217 3,039 61,022
90-99 81.6 2.8 78.9 838 16,176 4,714 94,514 1,027 20,500
100+ 35.9 8.7 31.9 17 299 110 2,165 47 937
Total 90.9 1.0 87.1 8,529 182,987 663,588 17,731,137 9,383 210,017
GRAND TOTAL 90.9 1.0 87.1 8,567 183,887 768,546 20,551,271 9,422 211,047

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.17     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 5,203 307,889 1 77
2 0.0 0.0 0.0 0 0 4,554 273,611 1 66
3 132.5 93.7 111.0 2 100 4,446 266,595 2 90
4 188.9 94.5 157.7 4 200 4,771 283,931 2 127
5 253.3 103.4 220.7 6 300 4,669 268,151 2 136
6-10 92.1 18.8 87.1 24 1,315 27,723 1,583,115 26 1,510
11-15 52.4 15.8 52.9 11 675 18,376 1,079,074 21 1,276
Total 84.7 12.4 78.9 47 2,590 69,742 4,062,365 55 3,283
Select Experience By Issue Age
0-4 18.4 18.4 15.9 1 50 33,966 1,943,914 5 314
5-14 44.3 31.3 36.6 2 100 14,796 884,538 5 273
15-24 173.8 70.9 153.7 6 300 6,090 346,385 3 195
25-34 111.9 56.0 133.9 4 285 5,458 319,605 4 213
35-44 188.4 59.6 148.6 10 500 4,303 263,647 5 336
45-54 103.9 28.8 106.7 13 805 3,373 202,369 13 754
55-64 49.1 18.5 42.4 7 350 1,485 86,017 14 826
65-74 74.5 37.3 64.0 4 200 254 14,875 5 313
75-89 0.0 0.0 0.0 0 0 17 1,015 1 59
90+ 0 0 0 0 0 0
Total 84.7 12.4 78.9 47 2,590 69,742 4,062,365 55 3,283
Ultimate Experience By Attained Age
15-19 40.7 40.7 28.1 1 50 5,912 423,132 2 178
20-29 111.6 29.8 80.5 14 713 17,564 1,241,145 13 886
30-39 83.9 29.6 66.6 8 425 11,177 749,342 10 639
40-49 104.9 29.1 71.2 13 890 8,055 787,670 12 1,249
50-59 87.2 11.1 82.4 62 5,878 18,267 1,879,084 71 7,138
60-69 80.0 6.6 71.1 145 10,623 16,073 1,340,498 181 14,938
70-79 72.5 5.9 72.8 151 11,893 6,715 525,137 208 16,334
80-89 88.1 6.4 87.9 188 15,337 2,777 226,464 213 17,442
90-99 66.9 9.6 62.8 49 3,513 334 25,780 73 5,596
100+ 100.6 58.1 96.1 3 196 7 478 3 204
Total 80.6 3.2 76.7 634 49,519 86,881 7,198,729 787 64,604
GRAND TOTAL 80.8 3.1 76.8 681 52,109 156,623 11,261,094 843 67,887

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.18     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 60.1 60.1 94.1 1 200 7,281 902,698 2 212
2 201.5 116.4 224.9 3 451 6,389 798,558 1 201
3 55.3 55.3 90.7 1 225 6,038 767,197 2 248
4 42.6 42.6 59.8 1 200 6,226 815,475 2 335
5 119.2 68.8 96.9 3 350 5,540 737,926 3 361
6-10 38.9 13.7 36.5 8 1,101 25,122 3,467,264 21 3,015
11-15 71.4 19.1 83.1 14 2,100 16,054 2,020,340 20 2,526
Total 62.0 11.1 67.1 31 4,627 72,649 9,509,458 50 6,897
Select Experience By Issue Age
0-4 139.8 57.1 145.3 6 751 27,854 3,347,101 4 517
5-14 99.4 44.4 87.2 5 550 18,853 2,330,438 5 631
15-24 0.0 0.0 0.0 0 0 6,412 819,066 4 459
25-34 31.9 22.6 31.7 2 300 8,608 1,325,718 6 945
35-44 96.8 32.3 131.7 9 1,875 6,607 1,055,390 9 1,424
45-54 56.0 22.9 48.8 6 750 3,280 492,461 11 1,536
55-64 40.9 23.6 42.0 3 401 874 118,437 7 954
65-74 0.0 0.0 0.0 0 0 153 19,463 3 367
75-89 0.0 0.0 0.0 0 0 10 1,385 1 65
90+ 0 0 0 0 0 0
Total 62.0 11.1 67.1 31 4,627 72,649 9,509,458 50 6,897
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,098 299,231 1 124
20-29 26.6 26.6 41.4 1 219 5,278 741,596 4 528
30-39 0.0 0.0 0.0 0 0 3,784 492,847 3 424
40-49 87.9 25.4 82.0 12 1,483 8,979 1,174,566 14 1,810
50-59 82.9 14.0 82.6 35 5,410 11,434 1,755,412 42 6,551
60-69 61.0 9.1 50.8 45 6,062 6,663 1,069,128 74 11,940
70-79 84.0 10.6 83.9 63 10,480 2,387 396,860 75 12,493
80-89 86.5 10.3 81.7 71 11,210 1,094 182,195 82 13,729
90-99 50.6 14.6 59.7 12 2,586 111 20,438 24 4,328
100+ 0.0 0.0 0.0 0 0 1 268 0 114
Total 75.0 4.9 72.0 239 37,450 41,831 6,132,540 319 52,041
GRAND TOTAL 73.2 4.5 71.4 270 42,077 114,480 15,641,997 369 58,939

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.19     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 76.0 31.0 81.0 6 1,830 12,385 3,572,228 8 2,260
2 70.5 26.6 73.8 7 2,125 11,816 3,450,987 10 2,878
3 68.0 30.4 67.3 5 1,450 8,102 2,410,539 7 2,154
4 51.4 29.7 54.7 3 950 6,235 1,890,578 6 1,736
5 38.7 27.3 61.5 2 950 5,114 1,559,314 5 1,544
6-10 75.0 23.7 71.2 10 3,008 10,279 3,330,782 13 4,225
11-15 46.1 46.1 50.9 1 350 1,650 518,389 2 688
Total 65.8 11.3 68.9 34 10,663 55,581 16,732,817 52 15,486
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,516 1,039,599 1 155
5-14 126.4 126.4 101.0 1 250 2,981 912,557 1 248
15-24 90.3 90.3 111.4 1 358 2,279 658,929 1 321
25-34 83.9 37.5 88.6 5 1,680 12,523 3,920,227 6 1,896
35-44 73.8 26.1 69.6 8 2,350 16,639 5,087,135 11 3,377
45-54 56.0 17.7 58.9 10 3,100 13,465 3,916,064 18 5,261
55-64 47.6 19.4 56.9 6 2,075 3,946 1,132,314 13 3,649
65-74 149.0 86.0 146.8 3 850 232 65,993 2 579
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 65.8 11.3 68.9 34 10,663 55,581 16,732,817 52 15,486
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 274 93,893 0 38
20-29 0.0 0.0 0.0 0 0 423 157,899 0 112
30-39 0.0 0.0 0.0 0 0 241 86,086 0 73
40-49 0.0 0.0 0.0 0 0 329 114,245 1 183
50-59 34.9 34.9 100.4 1 1,169 750 301,285 3 1,164
60-69 41.9 24.2 44.0 3 1,357 620 267,264 7 3,081
70-79 85.7 27.1 93.4 10 4,397 369 149,841 12 4,708
80-89 43.8 17.9 51.8 6 2,956 180 75,375 14 5,701
90-99 192.4 78.6 150.0 6 1,945 15 6,516 3 1,297
100+ 0 0 0 0 0 0
Total 65.6 12.9 72.3 26 11,824 3,201 1,252,403 40 16,356
GRAND TOTAL 65.7 8.5 70.6 60 22,487 58,783 17,985,221 91 31,842

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.20     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 109.2 48.8 110.0 5 2,800 8,552 4,773,868 5 2,545
2 55.7 32.2 52.0 3 1,565 7,900 4,405,491 5 3,010
3 46.9 33.2 41.7 2 1,000 5,392 3,040,755 4 2,399
4 19.9 19.9 26.4 1 750 5,171 2,940,555 5 2,837
5 56.9 32.8 50.8 3 1,500 4,823 2,717,367 5 2,950
6-10 84.6 29.9 88.5 8 4,800 7,185 4,174,077 9 5,422
11-15 0.0 0.0 0.0 0 0 593 347,559 1 478
Total 63.1 13.5 63.2 22 12,415 39,615 22,399,672 35 19,641
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,090 659,621 0 97
5-14 291.0 291.0 234.3 1 500 1,217 750,739 0 213
15-24 0.0 0.0 0.0 0 0 1,034 572,446 0 275
25-34 39.6 28.0 34.9 2 1,000 10,980 6,198,397 5 2,862
35-44 108.2 34.2 106.8 10 5,600 14,813 8,370,019 9 5,245
45-54 60.7 23.0 63.6 7 4,115 8,449 4,709,045 12 6,468
55-64 28.9 20.4 31.1 2 1,200 1,909 1,068,819 7 3,861
65-74 0.0 0.0 0.0 0 0 125 70,587 1 619
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 63.1 13.5 63.2 22 12,415 39,615 22,399,672 35 19,641
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 39 27,097 0 11
20-29 0.0 0.0 0.0 0 0 127 85,664 0 61
30-39 0.0 0.0 0.0 0 0 47 32,731 0 28
40-49 906.6 906.6 732.2 1 500 71 44,330 0 68
50-59 0.0 0.0 0.0 0 0 194 130,819 1 504
60-69 45.6 45.6 89.4 1 1,456 185 136,248 2 1,629
70-79 91.0 52.5 80.0 3 2,248 105 88,664 3 2,811
80-89 21.2 21.2 27.5 1 1,032 60 49,108 5 3,760
90-99 164.4 94.9 172.2 3 2,781 8 7,444 2 1,615
100+ 0 0 0 0 0 0
Total 69.0 23.0 76.5 9 8,017 836 602,103 13 10,487
GRAND TOTAL 64.7 11.6 67.8 31 20,432 40,451 23,001,775 48 30,128

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.21     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 3,483 4,616,728 2 2,892
2 0.0 0.0 0.0 0 0 3,237 4,703,804 3 4,203
3 0.0 0.0 0.0 0 0 2,460 3,516,863 3 4,087
4 43.8 43.8 28.1 1 1,000 1,958 2,928,877 2 3,560
5 38.2 38.2 23.7 1 1,000 1,904 2,869,087 3 4,227
6-10 22.2 22.2 29.6 1 2,000 2,916 4,183,261 5 6,767
11-15 495.6 350.5 1424.0 2 10,000 241 507,301 0 702
Total 29.2 13.1 53.0 5 14,000 16,199 23,325,920 17 26,438
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 375 708,009 0 99
5-14 0.0 0.0 0.0 0 0 453 946,973 0 272
15-24 0.0 0.0 0.0 0 0 267 441,053 0 229
25-34 69.6 69.6 56.1 1 1,000 3,168 3,841,435 1 1,784
35-44 25.2 25.2 37.1 1 2,000 6,210 8,364,005 4 5,390
45-54 31.7 22.4 100.4 2 10,000 4,437 6,865,894 6 9,963
55-64 23.5 23.5 14.4 1 1,000 1,186 1,942,821 4 6,949
65-74 0.0 0.0 0.0 0 0 104 215,730 1 1,752
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 29.2 13.1 53.0 5 14,000 16,199 23,325,920 17 26,438
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 18 37,628 0 16
20-29 0.0 0.0 0.0 0 0 55 110,587 0 75
30-39 0.0 0.0 0.0 0 0 16 19,277 0 16
40-49 0.0 0.0 0.0 0 0 13 18,492 0 33
50-59 0.0 0.0 0.0 0 0 42 97,393 0 388
60-69 0.0 0.0 0.0 0 0 58 104,976 1 1,204
70-79 0.0 0.0 0.0 0 0 41 64,836 1 2,100
80-89 53.5 53.5 53.0 1 2,109 23 47,401 2 3,979
90-99 0.0 0.0 0.0 0 0 2 3,610 0 723
100+ 0 0 0 0 0 0
Total 21.9 21.9 24.7 1 2,109 269 504,200 5 8,533
GRAND TOTAL 27.7 11.3 46.1 6 16,109 16,468 23,830,120 22 34,971

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.22     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 0 483 3,018 0 4
2 136.4 136.4 76.9 1 5 344 3,049 1 7
3 221.0 156.3 73.2 2 7 336 3,706 1 9
4 82.2 82.2 104.5 1 12 320 3,709 1 11
5 118.1 118.1 22.5 1 3 261 4,080 1 13
6-10 102.3 41.8 74.5 6 87 1,224 29,899 6 117
11-15 109.2 24.4 87.4 20 271 2,052 60,118 18 310
Total 109.3 19.6 81.8 31 385 5,019 107,580 28 470
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 47 2,294 0 0
5-14 0.0 0.0 0.0 0 0 275 10,473 0 2
15-24 0.0 0.0 0.0 0 0 614 15,007 0 5
25-34 0.0 0.0 89.8 0 17 916 21,453 1 18
35-44 65.6 46.4 44.6 2 36 1,061 24,408 3 81
45-54 76.4 28.9 72.6 7 141 1,256 23,984 9 194
55-64 154.5 42.8 103.6 13 117 624 7,973 8 113
65-74 129.5 45.8 124.1 8 61 215 1,872 6 49
75-89 141.2 141.2 184.0 1 13 11 116 1 7
90+ 0 0 0 0 0 0
Total 109.3 19.6 81.8 31 385 5,019 107,580 28 470
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 331 7,546 0 1
20-29 0.0 0.0 0.0 0 0 1,062 14,151 0 4
30-39 195.2 195.2 344.7 1 19 1,018 10,798 1 6
40-49 102.2 59.0 64.1 3 29 1,605 24,200 3 45
50-59 95.2 21.3 92.8 20 221 3,425 39,949 21 238
60-69 69.1 9.8 85.1 50 474 4,839 38,296 72 557
70-79 130.2 9.6 133.9 183 1,031 5,174 28,658 141 770
80-89 140.6 8.2 159.7 293 1,296 3,576 14,763 208 812
90-99 96.6 10.2 119.8 89 278 600 1,534 92 232
100+ 0.0 0.0 0.0 0 0 16 13 5 4
Total 117.6 4.7 125.4 639 3,347 21,646 179,907 543 2,668
GRAND TOTAL 117.2 4.5 118.9 670 3,732 26,665 287,488 572 3,138

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.23     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 2,736 82,977 3 79
2 91.3 32.3 64.6 8 130 2,716 78,735 9 201
3 68.3 25.8 79.8 7 194 2,930 83,848 10 243
4 78.8 26.3 58.5 9 155 2,897 81,347 11 265
5 64.3 22.7 74.1 8 203 2,990 78,981 12 273
6-10 95.9 10.1 93.8 91 1,996 19,507 513,064 95 2,129
11-15 101.1 6.6 95.0 235 4,732 37,533 925,206 232 4,981
Total 95.9 5.1 90.7 358 7,410 71,308 1,844,158 373 8,172
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,288 24,849 0 4
5-14 0.0 0.0 62.3 0 25 9,681 186,661 2 40
15-24 103.7 59.9 84.2 3 73 8,630 254,789 3 86
25-34 107.7 35.9 110.2 9 309 10,048 339,897 8 280
35-44 66.3 12.1 57.3 30 724 14,108 410,941 45 1,263
45-54 91.8 8.2 89.3 124 2,754 16,989 415,087 135 3,083
55-64 101.1 9.0 97.1 126 2,346 8,454 173,412 125 2,416
65-74 118.4 15.7 111.1 57 960 1,979 36,166 48 864
75-89 139.2 46.4 163.9 9 220 131 2,357 6 134
90+ 0 0 0 0 0 0
Total 95.9 5.1 90.7 358 7,410 71,308 1,844,158 373 8,172
Ultimate Experience By Attained Age
15-19 123.0 123.0 101.3 1 19 4,352 101,959 1 19
20-29 70.7 35.4 47.1 4 56 19,036 402,230 6 118
30-39 176.3 41.6 181.4 18 407 20,557 441,036 10 224
40-49 88.8 14.2 101.0 39 1,305 23,854 698,904 44 1,292
50-59 81.0 5.8 81.5 192 5,181 40,135 1,093,096 237 6,357
60-69 92.0 4.4 90.6 431 8,876 32,595 696,473 468 9,801
70-79 136.4 5.8 134.2 547 8,649 15,451 250,552 401 6,444
80-89 169.7 8.6 166.7 387 5,493 4,354 63,076 228 3,296
90-99 113.9 17.0 99.5 45 610 270 4,175 40 613
100+ 0 0 0 0 0 0
Total 116.0 2.8 108.6 1,664 30,596 160,605 3,751,500 1,435 28,164
GRAND TOTAL 111.8 2.5 104.6 2,022 38,007 231,913 5,595,658 1,808 36,336

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.24     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 69.5 69.5 55.7 1 50 2,321 145,952 1 90
2 85.6 49.4 72.1 3 160 2,108 132,986 4 222
3 0.0 0.0 18.9 0 50 2,271 143,540 4 264
4 49.3 34.9 53.5 2 138 2,171 136,748 4 258
5 65.8 38.0 87.0 3 242 2,199 133,268 5 278
6-10 91.0 16.6 89.2 30 1,851 11,888 739,561 33 2,074
11-15 93.1 11.9 92.1 61 3,616 22,483 1,302,409 65 3,926
Total 86.1 8.6 85.9 100 6,107 45,440 2,734,464 116 7,112
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,026 53,972 0 9
5-14 79.7 79.7 82.9 1 55 5,845 307,273 1 66
15-24 38.1 38.1 33.8 1 50 8,152 458,271 3 148
25-34 108.3 36.1 94.5 9 497 10,594 669,767 8 525
35-44 81.9 16.7 86.7 24 1,579 10,427 663,302 29 1,822
45-54 83.4 13.7 80.7 37 2,175 7,105 442,859 44 2,695
55-64 72.3 18.1 71.9 16 961 1,971 119,409 22 1,337
65-74 163.1 47.1 171.0 12 790 311 19,043 7 462
75-89 0.0 0.0 0.0 0 0 8 569 1 49
90+ 0 0 0 0 0 0
Total 86.1 8.6 85.9 100 6,107 45,440 2,734,464 116 7,112
Ultimate Experience By Attained Age
15-19 259.5 183.5 242.5 2 100 4,167 222,843 1 41
20-29 117.4 67.8 108.5 3 154 8,978 498,475 3 142
30-39 124.2 55.5 134.0 5 300 7,854 435,393 4 224
40-49 81.8 15.2 86.6 29 1,863 18,690 1,129,298 35 2,152
50-59 76.6 7.6 76.7 102 6,219 24,174 1,473,948 133 8,109
60-69 82.8 9.2 86.6 81 4,911 7,375 429,361 98 5,670
70-79 142.2 23.7 131.6 36 1,942 1,006 58,633 25 1,476
80-89 155.1 37.6 154.1 17 993 204 11,860 11 645
90-99 207.8 120.0 221.7 3 200 10 634 1 90
100+ 0 0 0 0 0 0
Total 89.2 5.4 89.9 278 16,682 72,459 4,260,446 311 18,549
GRAND TOTAL 88.4 4.5 88.8 378 22,789 117,899 6,994,910 428 25,661

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.25     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 30.5 30.5 43.5 1 200 6,207 956,541 3 459
2 69.4 28.3 63.0 6 750 6,307 936,040 9 1,190
3 78.4 29.6 62.6 7 775 5,981 880,695 9 1,237
4 43.9 21.9 52.8 4 655 5,660 826,690 9 1,241
5 52.4 23.4 42.4 5 550 5,486 779,224 10 1,296
6-10 83.3 11.1 84.8 56 7,669 29,011 3,998,593 67 9,043
11-15 94.5 12.3 91.2 59 7,272 22,266 2,764,621 62 7,971
Total 81.6 6.9 79.6 138 17,871 80,918 11,142,403 169 22,437
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 361 40,462 0 7
5-14 107.9 107.9 94.5 1 100 4,581 524,150 1 106
15-24 179.5 73.3 145.5 6 600 11,324 1,411,435 3 412
25-34 99.6 24.9 93.3 16 2,096 23,988 3,550,449 16 2,247
35-44 81.5 12.9 80.6 40 5,334 23,337 3,319,471 49 6,622
45-54 62.4 9.9 60.8 40 5,064 14,291 1,902,659 64 8,334
55-64 86.0 18.3 86.9 22 2,873 2,685 345,120 26 3,306
65-74 65.8 29.4 75.2 5 790 318 43,464 8 1,050
75-89 327.0 115.6 287.8 8 1,014 34 5,193 2 352
90+ 0 0 0 0 0 0
Total 81.6 6.9 79.6 138 17,871 80,918 11,142,403 169 22,437
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,078 125,126 0 23
20-29 0.0 0.0 0.0 0 0 2,470 291,946 1 84
30-39 0.0 0.0 0.0 0 0 3,939 441,266 2 232
40-49 71.5 18.5 74.2 15 1,892 11,205 1,358,895 21 2,550
50-59 54.2 9.3 63.4 34 4,845 11,652 1,424,048 63 7,643
60-69 102.6 16.9 98.7 37 4,282 2,722 326,732 36 4,339
70-79 92.3 30.8 82.3 9 1,016 376 47,431 10 1,234
80-89 193.5 45.6 197.9 18 2,356 164 21,104 9 1,191
90-99 107.7 76.2 100.4 2 220 13 1,556 2 219
100+ 0 0 0 0 0 0
Total 80.1 7.5 83.4 115 14,611 33,620 4,038,102 144 17,515
GRAND TOTAL 80.9 5.1 81.3 253 32,482 114,538 15,180,506 313 39,953

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.26     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 94.6 94.6 74.3 1 250 2,791 890,118 1 337
2 38.8 38.8 31.9 1 250 2,801 871,713 3 783
3 35.0 35.0 29.1 1 250 2,803 855,753 3 860
4 0.0 0.0 0.0 0 0 2,794 845,673 3 986
5 155.8 69.7 155.5 5 1,477 2,450 738,834 3 950
6-10 54.1 17.1 53.9 10 2,926 10,092 2,941,038 18 5,427
11-15 99.7 35.3 118.5 8 2,880 2,238 655,194 8 2,430
Total 65.8 12.9 68.2 26 8,033 25,969 7,798,323 40 11,773
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 18 5,144 0 1
5-14 1132.3 1132.3 1560.1 1 377 454 123,931 0 24
15-24 183.3 183.3 161.5 1 250 2,109 599,951 1 155
25-34 43.2 30.5 35.7 2 500 9,862 3,029,743 5 1,401
35-44 52.4 19.8 50.9 7 2,001 9,188 2,749,417 13 3,929
45-54 58.3 20.6 65.9 8 2,650 3,772 1,114,495 14 4,022
55-64 87.0 43.5 77.0 4 1,100 492 151,250 5 1,428
65-74 123.3 87.2 158.4 2 855 65 21,842 2 540
75-89 104.8 104.8 109.4 1 300 9 2,550 1 274
90+ 0 0 0 0 0 0
Total 65.8 12.9 68.2 26 8,033 25,969 7,798,323 40 11,773
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 53 15,397 0 3
20-29 0.0 0.0 0.0 0 0 92 26,760 0 8
30-39 0.0 0.0 0.0 0 0 144 43,734 0 21
40-49 120.4 120.4 235.0 1 575 437 128,035 1 245
50-59 65.4 46.2 67.6 2 632 560 170,158 3 934
60-69 120.4 69.5 170.0 3 1,270 186 55,594 2 747
70-79 0.0 0.0 0.0 0 0 58 18,694 2 490
80-89 0.0 0.0 0.0 0 0 17 5,205 1 285
90-99 194.0 194.0 240.9 1 450 3 1,075 1 187
100+ 0 0 0 0 0 0
Total 73.7 27.9 100.2 7 2,927 1,551 464,653 9 2,920
GRAND TOTAL 67.3 11.7 74.6 33 10,960 27,520 8,262,975 49 14,693

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.27     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 1,134 665,363 0 231
2 0.0 0.0 0.0 0 0 1,066 604,476 1 464
3 0.0 0.0 0.0 0 0 1,013 580,770 1 537
4 0.0 0.0 0.0 0 0 848 480,212 1 581
5 115.5 115.5 98.5 1 500 717 406,285 1 508
6-10 42.1 29.8 36.8 2 1,000 2,255 1,246,022 5 2,718
11-15 94.0 66.5 82.5 2 1,000 463 266,681 2 1,213
Total 46.3 20.7 40.0 5 2,500 7,497 4,249,809 11 6,251
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 5 2,930 0 0
5-14 0.0 0.0 0.0 0 0 137 72,748 0 14
15-24 0.0 0.0 0.0 0 0 460 253,227 0 62
25-34 82.9 82.9 73.5 1 500 3,072 1,730,737 1 681
35-44 0.0 0.0 0.0 0 0 2,663 1,505,196 3 1,837
45-54 56.9 40.2 48.9 2 1,000 967 565,046 4 2,047
55-64 66.0 66.0 53.4 1 500 153 94,950 2 936
65-74 0.0 0.0 0.0 0 0 36 22,976 1 492
75-89 273.5 273.5 273.5 1 500 4 2,000 0 183
90+ 0 0 0 0 0 0
Total 46.3 20.7 40.0 5 2,500 7,497 4,249,809 11 6,251
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 14 7,242 0 1
20-29 0.0 0.0 0.0 0 0 19 11,610 0 4
30-39 0.0 0.0 0.0 0 0 38 22,521 0 12
40-49 823.7 823.7 901.0 1 617 60 33,829 0 68
50-59 177.6 177.6 158.8 1 500 99 55,915 1 315
60-69 122.6 122.6 104.9 1 500 59 34,213 1 477
70-79 187.1 187.1 248.2 1 800 19 11,500 1 322
80-89 301.7 213.3 254.7 2 1,000 14 8,454 1 393
90-99 0.0 0.0 0.0 0 0 2 1,026 0 155
100+ 0 0 0 0 0 0
Total 198.2 80.9 195.6 6 3,417 323 186,311 3 1,747
GRAND TOTAL 79.5 24.0 74.0 11 5,917 7,820 4,436,120 14 7,998

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.28     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 0 237 548,390 0 245
2 319.6 319.6 154.2 1 1,000 215 376,698 0 649
3 0.0 0.0 0.0 0 0 197 266,237 0 416
4 301.1 301.1 192.4 1 1,000 168 303,442 0 520
5 0.0 0.0 0.0 0 0 135 223,393 0 401
6-10 0.0 0.0 0.0 0 0 440 737,899 1 2,824
11-15 92.5 92.5 59.7 1 1,000 163 299,440 1 1,674
Total 80.8 46.7 44.6 3 3,000 1,554 2,755,498 4 6,729
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 2,480 0 0
5-14 0.0 0.0 0.0 0 0 23 30,335 0 6
15-24 0.0 0.0 0.0 0 0 70 150,820 0 37
25-34 0.0 0.0 0.0 0 0 463 794,108 0 342
35-44 116.4 116.4 74.8 1 1,000 606 1,021,253 1 1,337
45-54 0.0 0.0 0.0 0 0 285 537,077 1 2,245
55-64 106.0 106.0 56.8 1 1,000 79 177,642 1 1,760
65-74 234.0 234.0 180.4 1 1,000 21 28,883 0 554
75-89 0.0 0.0 0.0 0 0 4 12,900 0 448
90+ 0 0 0 0 0 0
Total 80.8 46.7 44.6 3 3,000 1,554 2,755,498 4 6,729
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 0 476 0 0
20-29 0.0 0.0 0.0 0 0 6 6,361 0 2
30-39 0.0 0.0 0.0 0 0 18 34,644 0 21
40-49 0.0 0.0 0.0 0 0 30 73,943 0 122
50-59 0.0 0.0 0.0 0 0 43 65,669 0 364
60-69 0.0 0.0 0.0 0 0 25 31,559 0 437
70-79 296.5 296.5 130.9 1 1,000 12 26,903 0 764
80-89 174.2 174.2 124.2 1 1,000 13 18,956 1 805
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 127.8 90.4 79.5 2 2,000 148 258,512 2 2,516
GRAND TOTAL 94.7 42.4 54.1 5 5,000 1,702 3,014,010 5 9,245

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.29     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 2,938 17,327 1 8
2 104.9 74.2 35.3 2 5 2,170 19,672 2 14
3 0.0 0.0 3.2 0 1 1,933 22,534 2 18
4 136.0 78.5 103.3 3 22 1,570 20,768 2 21
5 41.6 41.6 48.1 1 12 1,114 20,288 2 26
6-10 109.6 28.3 82.7 15 209 4,316 110,391 14 253
11-15 70.5 12.5 74.5 32 472 5,341 144,363 45 633
Total 77.1 10.6 74.1 53 720 19,380 355,342 69 972
Select Experience By Issue Age
0-4 0.0 0 0 0 325 0 0
5-14 0.0 0.0 0.0 0 0 20 3,702 0 1
15-24 0.0 0.0 0.0 0 0 2,254 49,543 0 11
25-34 0.0 0.0 43.5 0 15 4,011 85,116 1 34
35-44 35.5 35.5 107.4 1 82 3,910 79,208 3 76
45-54 38.3 19.2 62.4 4 144 4,411 80,242 10 231
55-64 52.2 16.5 57.7 10 164 3,149 41,482 19 284
65-74 117.9 21.2 90.0 31 229 1,457 14,185 26 254
75-89 82.9 31.3 108.2 7 87 167 1,538 8 80
90+ 0.0 0 0 0 1 0 0
Total 77.1 10.6 74.1 53 720 19,380 355,342 69 972
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 19 659 0 0
20-29 0.0 0.0 608.0 0 8 363 4,312 0 1
30-39 0.0 0.0 313.0 0 18 956 13,574 0 6
40-49 94.2 66.6 23.5 2 10 2,401 46,514 2 41
50-59 51.8 23.1 48.6 5 77 4,729 78,248 10 157
60-69 92.6 14.3 82.1 42 449 6,949 87,124 45 547
70-79 79.5 7.5 80.5 112 926 8,670 72,056 141 1,150
80-89 120.1 6.0 116.0 404 2,460 6,994 45,293 336 2,120
90-99 91.0 7.6 91.7 145 816 1,046 5,856 159 889
100+ 40.5 40.5 33.5 1 5 8 49 2 15
Total 102.0 3.8 96.8 711 4,768 32,135 353,685 697 4,927
GRAND TOTAL 99.8 3.6 93.0 764 5,488 51,515 709,027 766 5,899

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.30     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 29.5 65.2 6 141 11,532 391,986 8 216
2 62.0 19.6 91.9 10 378 10,899 364,279 16 411
3 54.3 16.4 65.6 11 337 11,081 376,887 20 513
4 66.7 17.2 74.9 15 420 10,477 353,499 22 561
5 68.3 15.7 56.3 19 371 10,596 340,282 28 660
6-10 79.1 5.7 79.3 190 4,570 62,133 2,021,709 240 5,764
11-15 84.2 3.7 82.7 517 11,426 93,901 2,841,981 614 13,812
Total 80.9 2.9 80.4 768 17,643 210,619 6,690,623 950 21,937
Select Experience By Issue Age
0-4 1424.0 1424.0 1281.2 1 25 412 11,472 0 2
5-14 0.0 0.0 0.0 0 0 2,182 67,808 1 16
15-24 47.6 27.5 26.2 3 62 25,454 950,474 6 237
25-34 97.4 26.0 97.4 14 613 34,026 1,478,782 14 629
35-44 113.8 18.0 117.0 40 1,475 34,498 1,303,430 35 1,260
45-54 83.2 7.6 81.9 121 3,123 48,526 1,383,879 146 3,814
55-64 68.4 4.6 65.7 224 4,745 44,335 1,040,564 328 7,227
65-74 85.5 5.2 86.2 270 5,677 19,014 409,732 316 6,586
75-89 91.2 9.4 88.9 95 1,923 2,171 44,458 104 2,163
90+ 0.0 0.0 0.0 0 0 1 25 0 4
Total 80.9 2.9 80.4 768 17,643 210,619 6,690,623 950 21,937
Ultimate Experience By Attained Age
15-19 142.3 142.3 148.1 1 29 3,727 102,489 1 19
20-29 108.7 48.6 96.7 5 109 15,422 381,222 5 113
30-39 172.6 40.7 169.0 18 504 24,497 687,809 10 298
40-49 84.1 13.6 73.2 38 1,185 53,090 1,898,309 45 1,619
50-59 88.5 7.5 82.6 140 4,241 78,780 2,596,427 158 5,131
60-69 73.3 3.8 71.0 382 9,255 83,241 2,140,907 521 13,027
70-79 79.3 3.0 77.2 710 13,289 57,289 1,119,069 895 17,222
80-89 97.8 2.7 93.6 1,274 19,966 28,805 476,418 1,302 21,339
90-99 89.7 4.7 89.6 360 6,141 2,739 46,753 401 6,855
100+ 63.9 45.2 71.6 2 48 9 190 3 66
Total 87.7 1.6 83.4 2,930 54,766 347,600 9,449,593 3,342 65,689
GRAND TOTAL 86.2 1.4 82.6 3,698 72,409 558,218 16,140,216 4,292 87,626

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.31     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 100.8 45.1 81.0 5 251 14,040 911,536 5 310
2 114.9 34.6 93.0 11 557 12,499 811,943 10 600
3 87.6 27.7 81.1 10 570 11,843 779,951 11 702
4 56.5 21.4 46.8 7 355 11,165 724,312 12 758
5 35.2 15.7 40.9 5 353 10,507 678,323 14 864
6-10 74.1 8.1 74.1 84 5,352 52,566 3,485,262 113 7,220
11-15 79.5 6.0 79.5 176 10,872 71,942 4,504,600 221 13,676
Total 76.9 4.5 75.9 298 18,310 184,563 11,895,928 387 24,130
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 173 10,405 0 2
5-14 0.0 0.0 0.0 0 0 2,512 140,293 1 34
15-24 126.0 44.6 104.3 8 400 25,822 1,576,741 6 383
25-34 76.0 20.3 80.7 14 1,014 45,573 3,087,954 18 1,256
35-44 73.1 13.3 66.2 30 1,782 44,073 2,945,877 41 2,694
45-54 78.5 9.1 80.9 74 4,684 40,288 2,549,458 94 5,791
55-64 69.5 7.9 65.8 77 4,393 19,879 1,201,246 111 6,678
65-74 80.5 9.8 82.9 68 4,417 5,684 348,748 85 5,329
75-89 86.6 16.7 82.9 27 1,619 558 35,132 31 1,952
90+ 0.0 0.0 0.0 0 0 1 75 0 10
Total 76.9 4.5 75.9 298 18,310 184,563 11,895,928 387 24,130
Ultimate Experience By Attained Age
15-19 314.3 314.3 269.0 1 50 1,670 97,683 0 19
20-29 0.0 0.0 0.0 0 0 7,224 406,890 2 117
30-39 32.6 23.0 34.3 2 123 14,013 817,435 6 360
40-49 73.2 12.2 69.5 36 2,218 56,673 3,667,708 49 3,193
50-59 85.8 7.4 86.5 135 8,812 80,934 5,261,593 157 10,185
60-69 55.4 4.9 60.4 129 8,425 41,419 2,497,202 233 13,947
70-79 64.6 6.7 63.1 92 5,227 9,655 560,738 142 8,282
80-89 72.4 6.9 73.1 109 6,682 3,185 192,567 150 9,147
90-99 100.5 11.8 96.9 73 4,272 477 28,995 73 4,408
100+ 105.5 105.5 66.1 1 50 3 244 1 76
Total 71.0 3.0 72.1 578 35,858 215,252 13,531,055 814 49,732
GRAND TOTAL 72.9 2.5 73.3 876 54,168 399,815 25,426,983 1,202 73,862

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.32     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 77.3 24.5 83.4 10 1,606 46,231 7,389,541 13 1,926
2 56.2 14.5 52.2 15 2,015 47,318 7,400,336 27 3,862
3 49.7 12.8 51.7 15 2,253 44,602 7,004,530 30 4,361
4 53.6 13.0 65.8 17 2,976 41,599 6,430,879 32 4,524
5 77.7 14.7 76.5 28 3,919 39,892 6,114,358 36 5,125
6-10 65.3 4.9 67.0 177 25,419 195,993 28,938,623 271 37,937
11-15 79.9 4.9 81.5 266 36,230 150,265 20,162,409 333 44,450
Total 71.2 3.1 72.8 528 74,419 565,899 83,440,676 741 102,185
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 272 35,306 0 6
5-14 131.6 131.6 106.8 1 100 3,466 427,574 1 94
15-24 131.7 32.9 126.0 16 1,982 55,851 7,381,355 12 1,572
25-34 101.5 12.3 96.7 68 9,724 173,954 27,108,463 67 10,061
35-44 82.9 7.7 83.8 115 16,918 173,971 26,539,913 139 20,197
45-54 60.8 5.6 65.5 118 17,238 113,292 15,991,165 194 26,315
55-64 50.3 5.7 50.7 79 10,370 37,038 4,868,709 157 20,434
65-74 84.1 8.9 82.7 90 12,046 6,989 939,869 107 14,568
75-89 63.7 10.0 67.6 41 6,041 1,065 148,321 64 8,939
90+ 0 0 0 0 0 0
Total 71.2 3.1 72.8 528 74,419 565,899 83,440,676 741 102,185
Ultimate Experience By Attained Age
15-19 276.5 276.5 393.3 1 175 1,943 239,251 0 44
20-29 0.0 0.0 0.0 0 0 4,071 491,578 1 141
30-39 92.1 41.2 98.0 5 622 12,126 1,416,084 5 635
40-49 93.4 12.5 97.8 56 7,535 68,790 8,806,515 60 7,705
50-59 82.1 7.2 85.9 129 17,322 83,379 10,734,571 157 20,175
60-69 71.5 6.7 72.3 113 14,097 29,261 3,614,948 158 19,487
70-79 51.5 7.5 50.3 47 5,754 6,033 751,607 91 11,432
80-89 96.1 8.2 93.9 137 17,665 2,891 381,681 143 18,813
90-99 83.6 11.6 83.2 52 6,600 406 51,365 62 7,930
100+ 117.7 83.2 125.7 2 225 5 525 2 179
Total 79.7 3.4 80.9 542 69,995 208,905 26,488,125 680 86,541
GRAND TOTAL 75.3 2.3 76.5 1,070 144,414 774,805 109,928,800 1,421 188,725

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.33     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 16.0 16.0 28.9 1 600 28,177 9,665,981 6 2,078
2 41.6 18.6 34.7 5 1,350 29,142 9,731,621 12 3,893
3 50.4 19.0 45.3 7 1,982 29,086 9,486,314 14 4,380
4 85.1 23.6 82.3 13 3,959 28,362 9,051,288 15 4,812
5 106.5 25.1 108.5 18 5,700 26,067 8,230,916 17 5,253
6-10 68.3 7.8 63.5 77 21,588 115,374 34,664,325 113 33,982
11-15 95.6 12.0 96.5 63 19,372 30,325 9,094,434 66 20,067
Total 75.7 5.6 73.3 184 54,551 286,534 89,924,879 243 74,465
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 12,794 0 2
5-14 0.0 0.0 0.0 0 0 777 220,555 0 48
15-24 67.7 47.9 175.4 2 1,518 15,962 4,726,070 3 865
25-34 79.5 15.6 74.2 26 7,572 102,373 32,777,748 33 10,210
35-44 80.8 11.1 71.9 53 14,485 106,788 33,710,027 66 20,149
45-54 72.3 10.7 67.4 46 12,861 49,684 15,147,621 64 19,074
55-64 80.0 15.4 76.5 27 7,833 8,925 2,706,610 34 10,234
65-74 48.1 13.9 50.9 12 3,946 1,593 498,536 25 7,755
75-89 93.3 22.0 103.4 18 6,335 391 124,919 19 6,128
90+ 0 0 0 0 0 0
Total 75.7 5.6 73.3 184 54,551 286,534 89,924,879 243 74,465
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 297 87,909 0 16
20-29 526.8 526.8 615.0 1 334 643 184,427 0 54
30-39 0.0 0.0 0.0 0 0 1,210 345,364 1 145
40-49 80.7 40.4 71.6 4 1,064 5,613 1,680,251 5 1,487
50-59 46.6 17.6 50.1 7 2,272 7,908 2,392,274 15 4,539
60-69 53.8 17.9 58.9 9 2,962 3,077 925,453 17 5,029
70-79 95.4 26.5 91.6 13 3,879 880 273,189 14 4,237
80-89 59.2 15.8 60.7 14 4,499 488 152,957 24 7,414
90-99 133.8 35.8 120.0 14 3,930 72 22,588 10 3,276
100+ 316.6 316.6 316.6 1 250 1 250 0 79
Total 73.7 9.3 73.0 63 19,190 20,188 6,064,663 85 26,276
GRAND TOTAL 75.2 4.8 73.2 247 73,742 306,722 95,989,542 329 100,741

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.34     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 132.6 59.3 130.2 5 3,058 18,299 11,172,886 4 2,349
2 32.5 22.9 27.3 2 1,000 18,102 10,823,959 6 3,666
3 73.6 32.9 78.7 5 3,150 17,183 10,102,969 7 4,003
4 81.6 33.3 84.9 6 3,650 15,351 8,939,768 7 4,299
5 67.0 29.9 64.6 5 2,800 12,542 7,217,630 7 4,332
6-10 94.1 15.5 97.0 37 21,751 40,452 22,840,880 39 22,420
11-15 82.0 18.3 88.9 20 12,490 8,663 4,841,858 24 14,050
Total 84.0 9.4 86.9 80 47,898 130,591 75,939,949 95 55,119
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,610 0 1
5-14 0.0 0.0 0.0 0 0 192 109,154 0 24
15-24 0.0 0.0 0.0 0 0 5,294 2,933,630 1 501
25-34 59.5 21.0 70.7 8 5,427 49,965 28,930,534 13 7,676
35-44 115.4 20.7 110.0 31 17,012 52,974 31,042,248 27 15,461
45-54 65.4 17.5 63.6 14 7,825 18,196 10,586,118 21 12,300
55-64 72.9 24.3 83.7 9 6,000 3,047 1,782,791 12 7,168
65-74 64.2 24.3 75.7 7 4,953 710 433,200 11 6,539
75-89 109.5 34.6 110.9 10 5,824 203 116,806 9 5,252
90+ 432.3 432.3 432.3 1 858 1 858 0 198
Total 84.0 9.4 86.9 80 47,898 130,591 75,939,949 95 55,119
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 22 12,296 0 2
20-29 0.0 0.0 0.0 0 0 92 50,249 0 15
30-39 0.0 0.0 0.0 0 0 224 129,421 0 54
40-49 0.0 0.0 0.0 0 0 1,010 561,126 1 508
50-59 156.6 63.9 160.0 6 3,499 1,983 1,128,205 4 2,186
60-69 111.7 45.6 124.9 6 3,877 956 551,074 5 3,105
70-79 0.0 0.0 0.0 0 0 350 206,861 5 3,271
80-89 64.9 26.5 59.9 6 3,275 205 120,296 9 5,469
90-99 23.6 23.6 21.3 1 534 26 15,765 4 2,508
100+ 305.2 215.8 305.2 2 1,000 2 1,000 1 328
Total 70.3 15.3 69.8 21 12,185 4,870 2,776,293 30 17,447
GRAND TOTAL 80.7 8.0 82.8 101 60,083 135,461 78,716,243 125 72,566

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.35     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 5,925 8,860,212 1 2,596
2 39.0 39.0 20.1 1 1,000 5,613 8,637,404 3 4,980
3 42.4 42.4 25.8 1 1,000 4,679 6,649,058 2 3,872
4 37.7 37.7 21.4 1 1,000 4,141 6,168,770 3 4,680
5 0.0 0.0 0.0 0 0 3,230 4,786,190 3 5,375
6-10 29.2 14.6 26.9 4 6,000 9,315 13,207,091 14 22,313
11-15 87.5 27.7 86.2 10 17,880 2,636 4,322,504 11 20,735
Total 46.1 11.2 41.6 17 26,880 35,540 52,631,229 37 64,551
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 5 5,819 0 1
5-14 0.0 0.0 0.0 0 0 70 115,649 0 27
15-24 0.0 0.0 0.0 0 0 861 1,448,604 0 258
25-34 72.6 51.3 53.5 2 2,000 10,601 14,143,017 3 3,737
35-44 78.6 32.1 76.9 6 8,500 15,725 22,380,982 8 11,048
45-54 39.6 22.9 33.0 3 4,080 6,196 10,177,262 8 12,361
55-64 32.9 23.3 20.3 2 2,300 1,457 2,940,939 6 11,304
65-74 15.4 15.4 6.9 1 1,000 465 1,113,392 7 14,471
75-89 48.5 28.0 79.4 3 9,000 159 305,565 6 11,342
90+ 0 0 0 0 0 0
Total 46.1 11.2 41.6 17 26,880 35,540 52,631,229 37 64,551
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 4 4,755 0 1
20-29 0.0 0.0 0.0 0 0 21 22,622 0 7
30-39 0.0 0.0 0.0 0 0 100 160,046 0 68
40-49 358.0 358.0 599.0 1 3,000 315 577,319 0 501
50-59 0.0 0.0 0.0 0 0 619 998,598 1 2,011
60-69 88.3 62.4 119.1 2 4,000 397 582,888 2 3,359
70-79 63.1 44.6 55.3 2 3,250 195 354,432 3 5,882
80-89 44.6 25.8 25.1 3 3,000 142 252,188 7 11,945
90-99 127.6 90.2 72.4 2 3,000 10 28,600 2 4,141
100+ 0 0 0 0 0 0
Total 65.3 20.7 58.2 10 16,250 1,803 2,981,448 15 27,914
GRAND TOTAL 51.7 10.0 46.6 27 43,130 37,342 55,612,677 52 92,465

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.36     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 164.9 164.9 274.5 1 8 2,339 10,473 1 3
2 266.4 266.4 306.9 1 15 1,844 15,749 0 5
3 593.3 419.6 375.5 2 13 1,553 16,406 0 4
4 217.0 217.0 132.5 1 5 1,211 15,450 0 4
5 272.9 272.9 159.5 1 7 521 14,781 0 4
6-10 0.0 0.0 61.1 0 9 1,792 63,824 0 14
11-15 132.5 24.2 140.4 30 177 1,788 44,717 23 126
Total 143.1 23.8 146.6 36 234 11,047 181,400 25 160
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,381 106,729 1 12
5-14 0.0 0.0 0.0 0 0 3,426 57,596 0 9
15-24 0.0 0.0 0.0 0 0 550 9,755 0 2
25-34 0.0 0.0 0.0 0 0 1 856 0 0
35-44 0.0 0.0 164.7 0 1 11 773 0 1
45-54 382.6 382.6 232.4 1 8 36 960 0 3
55-64 251.5 83.8 245.1 9 63 219 2,046 4 26
65-74 133.8 34.5 154.4 15 99 324 2,100 11 64
75-89 127.7 38.5 150.6 11 64 99 583 9 43
90+ 155.3 0 0 0 1 0 0
Total 143.1 23.8 146.6 36 234 11,047 181,400 25 160
Ultimate Experience By Attained Age
15-19 0.0 0.0 450.7 0 13 1,001 16,239 0 3
20-29 106.8 75.5 171.3 2 31 6,179 61,159 2 18
30-39 128.5 31.2 108.8 17 84 27,137 160,977 13 77
40-49 130.3 16.5 136.7 62 364 45,090 247,172 48 266
50-59 94.0 6.1 97.4 240 1,445 78,147 463,442 255 1,484
60-69 69.0 2.5 66.7 775 3,740 107,692 545,975 1,124 5,604
70-79 95.6 2.2 99.3 1,931 8,180 93,011 382,860 2,019 8,237
80-89 106.1 1.6 107.0 4,643 16,426 78,155 276,158 4,375 15,356
90-99 80.1 1.6 88.0 2,584 8,473 19,779 60,332 3,225 9,628
100+ 25.1 2.0 35.7 161 400 1,739 3,144 641 1,120
Total 89.0 0.9 93.7 10,415 39,156 457,930 2,217,458 11,701 41,794
GRAND TOTAL 89.1 0.9 93.9 10,451 39,390 468,978 2,398,857 11,727 41,954

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.37     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 311.6 155.8 174.1 4 65 5,815 179,558 1 37
2 111.2 111.2 65.7 1 15 5,601 175,079 1 23
3 303.9 175.5 143.6 3 35 5,835 180,160 1 24
4 304.7 175.9 160.4 3 40 5,808 179,147 1 25
5 179.2 126.7 122.8 2 30 6,180 169,269 1 24
6-10 54.8 38.8 34.5 2 40 30,087 835,676 4 116
11-15 92.1 19.2 88.8 23 519 41,720 1,171,466 25 584
Total 112.1 18.2 89.2 38 744 101,047 2,890,354 34 834
Select Experience By Issue Age
0-4 76.0 31.0 81.4 6 184 68,652 1,940,983 8 226
5-14 88.4 44.2 77.0 4 100 27,512 786,111 5 130
15-24 0.0 0.0 0.0 0 0 3,308 121,690 1 29
25-34 0.0 0.0 0.0 0 0 148 6,686 0 3
35-44 293.5 293.5 119.1 1 15 238 9,094 0 13
45-54 303.4 123.9 187.9 6 85 381 9,968 2 45
55-64 123.2 43.6 92.5 8 120 446 8,750 6 130
65-74 53.1 26.6 47.5 4 85 297 6,004 8 179
75-89 211.2 70.4 195.6 9 155 63 1,068 4 79
90+ 0 0 0 0 0 0
Total 112.1 18.2 89.2 38 744 101,047 2,890,354 34 834
Ultimate Experience By Attained Age
15-19 99.2 44.4 55.0 5 82 27,742 821,705 5 149
20-29 122.0 22.7 116.9 29 719 82,055 2,142,569 24 615
30-39 95.2 18.7 68.7 26 403 60,377 1,296,523 27 587
40-49 128.3 15.6 110.1 68 1,973 48,652 1,601,164 53 1,792
50-59 88.7 5.4 82.5 266 7,753 96,012 3,070,808 300 9,402
60-69 70.4 3.3 64.4 453 10,130 66,747 1,674,319 643 15,721
70-79 82.4 3.8 81.2 462 8,559 26,790 507,930 560 10,537
80-89 100.7 4.5 96.0 495 8,353 9,771 171,781 492 8,698
90-99 87.9 6.9 92.1 163 3,021 1,194 21,001 186 3,282
100+ 57.3 23.4 61.7 6 145 30 658 10 234
Total 85.8 1.9 80.6 1,973 41,138 419,369 11,308,457 2,300 51,017
GRAND TOTAL 86.2 1.9 80.8 2,011 41,882 520,416 14,198,811 2,334 51,850

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.38     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 167.1 118.2 139.8 2 100 5,184 312,607 1 72
2 113.5 113.5 97.5 1 50 4,369 263,587 1 51
3 0.0 0.0 0.0 0 0 4,563 276,110 1 73
4 0.0 0.0 0.0 0 0 4,826 290,909 2 102
5 143.2 82.7 124.6 3 150 4,730 278,048 2 120
6-10 86.3 18.8 91.4 21 1,260 29,845 1,708,057 24 1,378
11-15 70.9 18.3 72.5 15 902 19,370 1,165,348 21 1,244
Total 79.8 12.3 81.0 42 2,462 72,886 4,294,666 53 3,040
Select Experience By Issue Age
0-4 78.6 45.4 102.1 3 231 33,043 1,942,907 4 226
5-14 139.8 80.7 114.4 3 150 14,510 879,268 2 131
15-24 64.0 64.0 85.0 1 75 6,274 356,073 2 88
25-34 161.8 80.9 163.3 4 245 6,490 383,733 2 150
35-44 75.8 37.9 85.6 4 275 5,762 343,870 5 321
45-54 49.8 18.8 47.0 7 379 4,553 262,243 14 807
55-64 80.3 24.2 78.0 11 600 1,760 98,996 14 770
65-74 114.4 38.1 113.4 9 507 450 25,040 8 447
75-89 0.0 0.0 0.0 0 0 44 2,537 2 100
90+ 0 0 0 0 0 0
Total 79.8 12.3 81.0 42 2,462 72,886 4,294,666 53 3,040
Ultimate Experience By Attained Age
15-19 87.8 87.8 54.1 1 50 6,345 509,787 1 92
20-29 113.7 46.4 94.1 6 367 18,366 1,365,328 5 390
30-39 66.8 38.5 51.2 3 152 9,968 659,356 4 296
40-49 136.3 48.2 118.3 8 718 5,455 543,430 6 607
50-59 73.4 17.8 80.6 17 1,742 7,688 747,051 23 2,162
60-69 61.3 11.6 54.1 28 1,682 4,793 331,846 46 3,108
70-79 33.2 11.7 36.6 8 589 1,172 77,909 24 1,610
80-89 121.8 22.6 122.1 29 2,044 456 31,635 24 1,675
90-99 155.1 33.8 148.6 21 1,313 90 5,772 14 883
100+ 0 0 0 0 0 0
Total 82.3 7.5 80.0 121 8,655 54,332 4,272,114 147 10,823
GRAND TOTAL 81.6 6.4 80.2 163 11,117 127,218 8,566,780 200 13,863

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.39     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 72.3 72.3 57.1 1 100 7,622 951,508 1 175
2 0.0 0.0 105.0 0 150 6,793 850,765 1 143
3 86.3 86.3 65.1 1 100 6,451 817,856 1 154
4 60.2 60.2 44.7 1 100 6,556 862,504 2 224
5 111.8 79.0 102.1 2 250 5,963 793,695 2 245
6-10 50.8 18.0 58.2 8 1,266 26,840 3,645,681 16 2,176
11-15 62.8 19.9 62.5 10 1,250 17,316 2,150,645 16 1,998
Total 59.3 12.4 62.9 23 3,216 77,541 10,072,655 39 5,115
Select Experience By Issue Age
0-4 116.2 58.1 108.3 4 450 29,405 3,552,146 3 416
5-14 38.8 38.8 51.5 1 166 18,957 2,365,477 3 323
15-24 0.0 0.0 0.0 0 0 6,903 876,298 2 219
25-34 22.8 22.8 31.4 1 200 10,347 1,550,518 4 638
35-44 118.0 39.3 134.1 9 1,450 7,541 1,128,935 8 1,082
45-54 22.5 15.9 29.7 2 350 3,401 474,809 9 1,178
55-64 52.5 30.3 43.1 3 300 777 98,633 6 697
65-74 30.6 30.6 24.6 1 100 186 22,705 3 407
75-89 177.0 125.1 127.2 2 200 24 3,134 1 157
90+ 0 0 0 0 0 0
Total 59.3 12.4 62.9 23 3,216 77,541 10,072,655 39 5,115
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,280 356,893 0 64
20-29 194.3 112.2 217.9 3 478 5,389 769,213 2 219
30-39 0.0 0.0 0.0 0 0 3,010 402,416 1 189
40-49 166.5 48.1 190.2 12 1,695 6,644 818,731 7 891
50-59 53.8 16.2 54.2 11 1,414 7,067 900,689 20 2,610
60-69 20.8 10.4 20.3 4 505 2,158 277,617 19 2,488
70-79 58.4 26.1 72.7 5 898 407 58,319 9 1,235
80-89 107.0 32.3 112.6 11 1,710 189 28,444 10 1,519
90-99 88.6 39.6 95.3 5 701 34 4,517 6 736
100+ 0.0 0.0 0.0 0 0 1 233 0 68
Total 68.0 9.5 73.9 51 7,401 27,180 3,617,072 75 10,020
GRAND TOTAL 65.0 7.6 70.2 74 10,617 104,722 13,689,726 114 15,135

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.40     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 56.6 40.0 50.1 2 500 12,498 3,544,615 4 997
2 40.8 28.8 39.6 2 550 11,891 3,393,231 5 1,389
3 54.1 38.3 47.2 2 500 8,160 2,381,294 4 1,060
4 33.0 33.0 34.1 1 300 6,320 1,873,597 3 880
5 69.8 49.3 71.7 2 600 5,237 1,565,264 3 836
6-10 60.1 30.0 70.2 4 1,420 9,267 2,886,501 7 2,023
11-15 0.0 0.0 74.8 0 250 1,435 451,340 1 334
Total 50.4 14.0 54.8 13 4,120 54,807 16,095,842 26 7,520
Select Experience By Issue Age
0-4 0.0 0.0 198.8 0 250 3,699 1,103,862 0 126
5-14 0.0 0.0 0.0 0 0 2,972 906,909 0 122
15-24 0.0 0.0 0.0 0 0 2,817 818,372 1 163
25-34 0.0 0.0 0.0 0 0 15,364 4,617,723 3 1,040
35-44 89.5 36.5 100.2 6 2,005 17,529 5,146,828 7 2,000
45-54 75.7 28.6 71.1 7 1,865 10,466 2,951,385 9 2,621
55-64 0.0 0.0 0.0 0 0 1,870 523,973 4 1,225
65-74 0.0 0.0 0.0 0 0 88 25,405 1 182
75-89 0.0 0.0 0.0 0 0 3 1,386 0 42
90+ 0 0 0 0 0 0
Total 50.4 14.0 54.8 13 4,120 54,807 16,095,842 26 7,520
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 250 99,330 0 18
20-29 0.0 0.0 0.0 0 0 438 171,086 0 49
30-39 0.0 0.0 0.0 0 0 152 54,981 0 25
40-49 553.0 553.0 413.1 1 250 162 54,176 0 61
50-59 0.0 0.0 0.0 0 0 241 81,751 1 253
60-69 109.4 109.4 131.8 1 450 104 37,974 1 341
70-79 263.1 186.0 171.3 2 500 33 12,743 1 292
80-89 250.6 144.7 183.4 3 788 21 7,438 1 430
90-99 237.4 137.1 219.3 3 1,259 7 3,404 1 574
100+ 0 0 0 0 0 0
Total 189.7 60.0 159.0 10 3,247 1,406 522,883 5 2,042
GRAND TOTAL 74.0 15.4 77.0 23 7,367 56,213 16,618,725 31 9,562

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.41     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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
1 126.6 89.5 115.0 2 1,000 7,224 3,964,458 2 870
2 103.7 73.4 95.4 2 1,000 6,441 3,532,235 2 1,049
3 62.8 62.8 57.4 1 500 4,250 2,331,062 2 871
4 255.5 127.8 232.7 4 2,000 3,709 2,043,913 2 859
5 59.4 59.4 54.5 1 500 3,256 1,781,445 2 917
6-10 136.1 68.1 123.8 4 2,020 4,421 2,472,121 3 1,631
11-15 0.0 0.0 0.0 0 0 484 295,454 1 299
Total 118.2 31.6 108.1 14 7,020 29,785 16,420,688 12 6,496
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,102 686,962 0 80
5-14 613.9 613.9 481.8 1 500 1,183 748,850 0 104
15-24 0.0 0.0 0.0 0 0 1,198 659,488 0 127
25-34 175.5 87.7 160.9 4 2,000 10,956 5,972,233 2 1,243
35-44 181.5 68.6 166.1 7 3,500 10,820 5,900,869 4 2,107
45-54 56.0 39.6 52.7 2 1,020 4,038 2,181,691 4 1,936
55-64 0.0 0.0 0.0 0 0 455 251,184 1 751
65-74 0.0 0.0 0.0 0 0 33 18,681 0 140
75-89 0.0 0 0 0 730 0 8
90+ 0 0 0 0 0 0
Total 118.2 31.6 108.1 14 7,020 29,785 16,420,688 12 6,496
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 62 44,256 0 8
20-29 0.0 0.0 0.0 0 0 98 71,663 0 20
30-39 0.0 0.0 0.0 0 0 41 31,194 0 13
40-49 0.0 0.0 0.0 0 0 23 14,640 0 15
50-59 0.0 0.0 0.0 0 0 59 35,082 0 109
60-69 0.0 0.0 0.0 0 0 36 21,720 0 213
70-79 0.0 0.0 0.0 0 0 8 7,540 0 158
80-89 0.0 0.0 0.0 0 0 6 4,346 0 270
90-99 366.7 366.7 265.9 1 692 2 1,952 0 260
100+ 0 0 0 0 0 0
Total 71.7 71.7 64.8 1 692 335 232,395 1 1,068
GRAND TOTAL 113.3 29.3 102.0 15 7,712 30,120 16,653,083 13 7,563

Thomson Data Analysis Sat Mar 22 18:41:00 2014


TABLE 8.42     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2011 AND 2012
EXPECTED CIA 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 1,572 1,921,280 0 434
2 0.0 0.0 0.0 0 0 1,299 1,594,092 0 561
3 0.0 0.0 0.0 0 0 863 1,086,315 0 540
4 0.0 0.0 0.0 0 0 682 1,062,348 0 469
5 0.0 0.0 0.0 0 0 560 724,925 0 420
6-10 0.0 0.0 0.0 0 0 932 1,367,670 1 848
11-15 0.0 0.0 0.0 0 0 150 335,240 0 299
Total 0.0 0.0 0.0 0 0 6,058 8,091,871 3 3,571
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 395 787,833 0 86
5-14 0.0 0.0 0.0 0 0 435 1,096,104 0 161
15-24 0.0 0.0 0.0 0 0 191 297,286 0 57
25-34 0.0 0.0 0.0 0 0 1,707 1,894,520 0 377
35-44 0.0 0.0 0.0 0 0 2,241 2,600,150 1 950
45-54 0.0 0.0 0.0 0 0 943 1,216,309 1 1,099
55-64 0.0 0.0 0.0 0 0 132 169,213 0 622
65-74 0.0 0.0 0.0 0 0 13 29,205 0 189
75-89 0.0 0.0 0.0 0 0 1 1,250 0 29
90+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 6,058 8,091,871 3 3,571
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 18 41,359 0 8
20-29 0.0 0.0 0.0 0 0 46 102,630 0 29
30-39 0.0 0.0 0.0 0 0 28 50,057 0 23
40-49 0.0 0.0 0.0 0 0 5 13,706 0 19
50-59 0.0 0.0 0.0 0 0 9 25,157 0 81
60-69 0.0 0.0 0.0 0 0 9 16,090 0 140
70-79 0.0 0.0 0.0 0 0 6 12,782 0 260
80-89 0.0 0.0 0.0 0 0 3 5,444 0 285
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 124 267,225 0 845
GRAND TOTAL 0.0 0.0 0.0 0 0 6,182 8,359,095 3 4,416

Thomson Data Analysis Sat Mar 22 18:41:00 2014