CANADIAN ORDINARY STANDARD EXPERIENCE
|
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013
|
EXPECTED CIA 86-92 TABLES
|
Index of Tables
|
TABLE 1
|
TOTAL EXPERIENCE
|
TABLE 2.1
|
TOTAL EXPERIENCE -- MALES
|
TABLE 2.2
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 8.1
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 8.2
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
TABLE 8.3
|
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
TABLE 8.4
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 8.5
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
TABLE 8.6
|
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
TABLE 1
TOTAL EXPERIENCE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
60.5
|
2.2
|
45.5
|
783
|
169,084
|
1,916,894
|
617,682,241
|
1,295
|
371,676
|
2
|
59.6
|
1.9
|
48.6
|
1,004
|
231,220
|
1,801,861
|
568,430,308
|
1,686
|
475,467
|
3
|
67.8
|
1.9
|
51.6
|
1,307
|
272,215
|
1,701,543
|
519,134,302
|
1,929
|
527,924
|
4
|
63.8
|
1.7
|
49.4
|
1,335
|
273,274
|
1,574,760
|
461,811,417
|
2,094
|
553,573
|
5
|
61.6
|
1.6
|
48.5
|
1,415
|
285,126
|
1,478,166
|
415,745,442
|
2,298
|
587,355
|
6-10
|
61.0
|
0.6
|
50.8
|
10,784
|
1,770,384
|
6,856,977
|
1,537,946,821
|
17,668
|
3,486,722
|
11-15
|
63.5
|
0.5
|
57.2
|
17,888
|
1,654,955
|
5,486,015
|
673,915,596
|
28,172
|
2,895,336
|
Total
|
62.6
|
0.3
|
52.3
|
34,516
|
4,656,257
|
20,816,215
|
4,794,666,128
|
55,142
|
8,898,053
|
Select Experience By Issue Age
|
0-4
|
45.0
|
3.4
|
37.9
|
170
|
9,132
|
1,563,570
|
101,133,003
|
378
|
24,081
|
5-14
|
58.4
|
3.5
|
46.8
|
271
|
17,072
|
1,060,651
|
90,652,688
|
464
|
36,474
|
15-24
|
64.3
|
2.4
|
64.1
|
719
|
88,066
|
1,840,790
|
245,275,759
|
1,118
|
137,454
|
25-34
|
54.6
|
1.2
|
49.0
|
2,146
|
444,169
|
5,060,755
|
1,334,124,254
|
3,930
|
906,166
|
35-44
|
60.2
|
0.8
|
52.7
|
5,364
|
1,144,924
|
5,666,974
|
1,762,979,362
|
8,906
|
2,173,586
|
45-54
|
62.7
|
0.7
|
52.6
|
8,537
|
1,353,551
|
3,743,188
|
958,312,555
|
13,614
|
2,573,310
|
55-64
|
63.0
|
0.7
|
50.4
|
8,741
|
878,757
|
1,466,565
|
254,273,156
|
13,884
|
1,743,095
|
65-74
|
65.2
|
0.8
|
54.8
|
6,831
|
534,436
|
377,179
|
42,265,272
|
10,470
|
974,666
|
75-89
|
73.0
|
1.8
|
56.3
|
1,732
|
185,095
|
36,517
|
5,647,653
|
2,374
|
328,671
|
90+
|
104.2
|
46.6
|
191.8
|
5
|
1,056
|
25
|
2,426
|
5
|
551
|
Total
|
62.6
|
0.3
|
52.3
|
34,516
|
4,656,257
|
20,816,215
|
4,794,666,128
|
55,142
|
8,898,053
|
Ultimate Experience By Attained Age
|
15-19
|
58.2
|
4.2
|
50.4
|
189
|
7,693
|
584,692
|
27,942,002
|
325
|
15,249
|
20-29
|
69.1
|
2.4
|
61.7
|
851
|
30,236
|
1,765,868
|
70,928,539
|
1,232
|
48,981
|
30-39
|
71.2
|
1.9
|
58.8
|
1,391
|
44,765
|
1,907,972
|
74,825,552
|
1,955
|
76,070
|
40-49
|
67.5
|
0.9
|
56.0
|
5,140
|
295,651
|
3,695,787
|
262,339,501
|
7,614
|
527,711
|
50-59
|
64.3
|
0.5
|
55.2
|
18,783
|
1,082,434
|
5,752,724
|
414,920,628
|
29,225
|
1,962,145
|
60-69
|
61.3
|
0.3
|
53.7
|
38,734
|
1,518,806
|
4,634,020
|
225,320,202
|
63,229
|
2,828,023
|
70-79
|
64.1
|
0.2
|
54.1
|
68,413
|
1,552,021
|
2,815,181
|
78,658,914
|
106,784
|
2,867,258
|
80-89
|
76.6
|
0.2
|
63.2
|
108,915
|
1,718,354
|
1,575,320
|
30,368,191
|
142,196
|
2,717,737
|
90-99
|
76.0
|
0.4
|
82.5
|
38,245
|
476,855
|
250,769
|
2,998,189
|
50,330
|
577,800
|
100+
|
9.1
|
0.3
|
35.3
|
1,337
|
11,375
|
21,894
|
59,044
|
14,624
|
32,248
|
Total
|
67.5
|
0.1
|
57.8
|
281,998
|
6,738,189
|
23,004,227
|
1,188,360,763
|
417,514
|
11,653,222
|
GRAND TOTAL
|
67.0
|
0.1
|
55.4
|
316,514
|
11,394,447
|
43,820,442
|
5,983,026,891
|
472,656
|
20,551,274
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 2.1
TOTAL EXPERIENCE -- MALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
66.4
|
2.9
|
48.9
|
532
|
129,692
|
974,468
|
365,526,536
|
802
|
265,407
|
2
|
63.0
|
2.5
|
53.3
|
654
|
180,569
|
916,242
|
337,732,098
|
1,038
|
338,604
|
3
|
66.4
|
2.4
|
49.8
|
790
|
188,114
|
866,021
|
309,638,574
|
1,190
|
377,676
|
4
|
63.3
|
2.2
|
50.4
|
818
|
200,748
|
802,974
|
276,706,340
|
1,292
|
398,551
|
5
|
60.8
|
2.1
|
47.6
|
861
|
201,116
|
756,240
|
250,374,156
|
1,417
|
422,384
|
6-10
|
59.2
|
0.7
|
48.5
|
6,395
|
1,210,670
|
3,527,867
|
936,496,575
|
10,800
|
2,495,360
|
11-15
|
60.0
|
0.6
|
54.3
|
9,453
|
1,048,671
|
2,722,797
|
395,800,004
|
15,752
|
1,932,471
|
Total
|
60.4
|
0.4
|
50.7
|
19,503
|
3,159,579
|
10,566,611
|
2,872,274,285
|
32,290
|
6,230,453
|
Select Experience By Issue Age
|
0-4
|
47.3
|
4.5
|
41.2
|
109
|
5,822
|
791,737
|
49,658,217
|
230
|
14,122
|
5-14
|
58.3
|
4.2
|
43.9
|
194
|
11,269
|
541,014
|
45,280,588
|
333
|
25,660
|
15-24
|
64.3
|
2.9
|
63.0
|
498
|
62,219
|
879,670
|
121,421,147
|
775
|
98,727
|
25-34
|
53.3
|
1.5
|
46.8
|
1,285
|
287,521
|
2,411,761
|
711,483,210
|
2,410
|
614,367
|
35-44
|
57.1
|
1.0
|
50.9
|
3,173
|
789,380
|
2,971,344
|
1,095,803,148
|
5,557
|
1,550,596
|
45-54
|
59.4
|
0.8
|
50.6
|
5,188
|
991,621
|
2,020,270
|
647,029,579
|
8,731
|
1,959,925
|
55-64
|
60.8
|
0.8
|
49.5
|
5,120
|
650,247
|
774,848
|
176,972,737
|
8,427
|
1,313,096
|
65-74
|
66.1
|
1.1
|
57.2
|
3,380
|
309,946
|
165,712
|
22,756,495
|
5,110
|
542,051
|
75-89
|
77.6
|
3.3
|
46.0
|
554
|
51,415
|
10,241
|
1,868,014
|
714
|
111,658
|
90+
|
66.2
|
46.8
|
54.8
|
2
|
138
|
15
|
1,151
|
3
|
252
|
Total
|
60.4
|
0.4
|
50.7
|
19,503
|
3,159,579
|
10,566,611
|
2,872,274,285
|
32,290
|
6,230,453
|
Ultimate Experience By Attained Age
|
15-19
|
56.6
|
4.9
|
47.5
|
132
|
5,097
|
297,357
|
13,700,421
|
233
|
10,735
|
20-29
|
68.2
|
2.8
|
60.7
|
612
|
21,520
|
905,485
|
35,810,612
|
898
|
35,469
|
30-39
|
73.5
|
2.4
|
56.4
|
944
|
28,224
|
995,706
|
38,884,611
|
1,284
|
50,024
|
40-49
|
69.0
|
1.2
|
53.4
|
3,099
|
180,360
|
1,897,557
|
145,622,305
|
4,491
|
337,773
|
50-59
|
60.7
|
0.6
|
52.2
|
11,911
|
766,750
|
3,192,661
|
266,749,852
|
19,623
|
1,467,612
|
60-69
|
57.4
|
0.4
|
51.1
|
26,323
|
1,172,691
|
2,781,941
|
160,736,567
|
45,858
|
2,296,203
|
70-79
|
60.8
|
0.3
|
53.6
|
47,026
|
1,246,138
|
1,725,713
|
57,090,652
|
77,364
|
2,324,301
|
80-89
|
74.7
|
0.3
|
62.2
|
70,375
|
1,255,259
|
910,742
|
20,416,317
|
94,261
|
2,019,015
|
90-99
|
74.7
|
0.5
|
81.2
|
21,377
|
294,493
|
128,801
|
1,717,197
|
28,622
|
362,619
|
100+
|
6.5
|
0.3
|
24.7
|
634
|
4,514
|
14,163
|
31,401
|
9,786
|
18,267
|
Total
|
64.6
|
0.2
|
55.8
|
182,433
|
4,975,048
|
12,850,124
|
740,759,936
|
282,421
|
8,922,019
|
GRAND TOTAL
|
64.2
|
0.1
|
53.7
|
201,936
|
8,134,627
|
23,416,735
|
3,613,034,221
|
314,711
|
15,152,472
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 2.2
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
50.9
|
3.2
|
37.1
|
251
|
39,392
|
942,426
|
252,155,705
|
493
|
106,269
|
2
|
54.1
|
2.9
|
37.0
|
350
|
50,650
|
885,619
|
230,698,210
|
648
|
136,863
|
3
|
69.9
|
3.1
|
56.0
|
517
|
84,101
|
835,522
|
209,495,728
|
739
|
150,248
|
4
|
64.4
|
2.8
|
46.8
|
517
|
72,526
|
771,785
|
185,105,077
|
802
|
155,022
|
5
|
62.8
|
2.7
|
50.9
|
554
|
84,010
|
721,925
|
165,371,285
|
882
|
164,971
|
6-10
|
63.9
|
1.0
|
56.5
|
4,389
|
559,715
|
3,329,108
|
601,450,070
|
6,868
|
991,362
|
11-15
|
67.9
|
0.7
|
63.0
|
8,435
|
606,283
|
2,763,218
|
278,115,592
|
12,420
|
962,865
|
Total
|
65.7
|
0.5
|
56.1
|
15,013
|
1,496,678
|
10,249,602
|
1,922,391,668
|
22,852
|
2,667,599
|
Select Experience By Issue Age
|
0-4
|
41.3
|
5.3
|
33.2
|
61
|
3,310
|
771,831
|
51,474,636
|
148
|
9,960
|
5-14
|
58.7
|
6.7
|
53.7
|
77
|
5,802
|
519,637
|
45,372,100
|
131
|
10,813
|
15-24
|
64.4
|
4.3
|
66.7
|
221
|
25,847
|
961,120
|
123,854,613
|
343
|
38,727
|
25-34
|
56.7
|
1.9
|
53.7
|
861
|
156,648
|
2,648,994
|
622,641,044
|
1,520
|
291,800
|
35-44
|
65.4
|
1.4
|
57.1
|
2,191
|
355,544
|
2,695,630
|
667,176,188
|
3,349
|
622,990
|
45-54
|
68.6
|
1.2
|
59.0
|
3,349
|
361,929
|
1,722,919
|
311,282,977
|
4,883
|
613,385
|
55-64
|
66.4
|
1.1
|
53.1
|
3,621
|
228,509
|
691,717
|
77,300,419
|
5,457
|
429,999
|
65-74
|
64.4
|
1.1
|
51.9
|
3,451
|
224,491
|
211,467
|
19,508,776
|
5,360
|
432,615
|
75-89
|
71.0
|
2.1
|
61.6
|
1,178
|
133,680
|
26,276
|
3,779,640
|
1,660
|
217,013
|
90+
|
168.8
|
97.5
|
307.7
|
3
|
918
|
10
|
1,275
|
2
|
298
|
Total
|
65.7
|
0.5
|
56.1
|
15,013
|
1,496,678
|
10,249,602
|
1,922,391,668
|
22,852
|
2,667,599
|
Ultimate Experience By Attained Age
|
15-19
|
62.5
|
8.3
|
57.5
|
57
|
2,596
|
287,335
|
14,241,581
|
91
|
4,514
|
20-29
|
71.6
|
4.6
|
64.5
|
239
|
8,716
|
860,384
|
35,117,927
|
334
|
13,512
|
30-39
|
66.7
|
3.2
|
63.5
|
447
|
16,540
|
912,266
|
35,940,941
|
670
|
26,046
|
40-49
|
65.3
|
1.4
|
60.7
|
2,041
|
115,290
|
1,798,230
|
116,717,196
|
3,123
|
189,937
|
50-59
|
71.6
|
0.9
|
63.8
|
6,872
|
315,684
|
2,560,063
|
148,170,775
|
9,602
|
494,533
|
60-69
|
71.4
|
0.6
|
65.1
|
12,411
|
346,115
|
1,852,079
|
64,583,635
|
17,371
|
531,820
|
70-79
|
72.7
|
0.5
|
56.3
|
21,387
|
305,882
|
1,089,468
|
21,568,262
|
29,421
|
542,958
|
80-89
|
80.4
|
0.4
|
66.3
|
38,540
|
463,095
|
664,578
|
9,951,874
|
47,935
|
698,722
|
90-99
|
77.7
|
0.6
|
84.7
|
16,868
|
182,362
|
121,969
|
1,280,991
|
21,708
|
215,181
|
100+
|
14.5
|
0.5
|
49.1
|
703
|
6,861
|
7,730
|
27,643
|
4,838
|
13,981
|
Total
|
73.7
|
0.2
|
64.6
|
99,565
|
1,763,142
|
10,154,103
|
447,600,826
|
135,093
|
2,731,203
|
GRAND TOTAL
|
72.5
|
0.2
|
60.4
|
114,578
|
3,259,820
|
20,403,705
|
2,369,992,495
|
157,945
|
5,398,802
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.1
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
73.0
|
6.4
|
33.4
|
128
|
13,033
|
132,340
|
36,389,342
|
175
|
39,032
|
2
|
74.2
|
5.7
|
67.2
|
169
|
32,119
|
121,442
|
32,194,166
|
228
|
47,778
|
3
|
73.0
|
5.3
|
47.6
|
191
|
25,160
|
115,028
|
29,022,638
|
262
|
52,845
|
4
|
70.6
|
4.9
|
54.6
|
204
|
30,915
|
108,703
|
26,010,208
|
289
|
56,654
|
5
|
74.3
|
4.8
|
86.3
|
240
|
52,894
|
104,668
|
23,809,072
|
323
|
61,322
|
6-10
|
67.9
|
1.6
|
57.6
|
1,774
|
230,453
|
535,401
|
97,280,215
|
2,613
|
399,975
|
11-15
|
64.0
|
1.2
|
57.6
|
2,712
|
187,683
|
493,930
|
45,736,859
|
4,237
|
326,074
|
Total
|
66.7
|
0.9
|
58.2
|
5,418
|
572,256
|
1,611,511
|
290,442,498
|
8,127
|
983,680
|
Select Experience By Issue Age
|
0-4
|
39.5
|
19.8
|
60.8
|
4
|
280
|
14,101
|
642,416
|
10
|
461
|
5-14
|
76.9
|
8.5
|
70.9
|
81
|
4,201
|
124,345
|
7,109,064
|
105
|
5,925
|
15-24
|
74.1
|
6.0
|
70.4
|
155
|
14,746
|
187,538
|
20,449,040
|
209
|
20,933
|
25-34
|
59.5
|
3.0
|
61.7
|
404
|
76,470
|
434,418
|
93,029,020
|
679
|
123,958
|
35-44
|
60.7
|
1.8
|
53.1
|
1,089
|
169,476
|
471,159
|
110,779,406
|
1,794
|
318,995
|
45-54
|
63.1
|
1.5
|
57.3
|
1,710
|
196,512
|
285,861
|
49,532,277
|
2,711
|
342,830
|
55-64
|
72.5
|
2.0
|
62.8
|
1,348
|
86,192
|
79,772
|
8,195,101
|
1,860
|
137,221
|
65-74
|
82.3
|
3.4
|
72.0
|
586
|
22,927
|
13,747
|
688,384
|
712
|
31,827
|
75-89
|
87.5
|
13.7
|
94.9
|
41
|
1,452
|
568
|
17,791
|
47
|
1,531
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
66.7
|
0.9
|
58.2
|
5,418
|
572,256
|
1,611,511
|
290,442,498
|
8,127
|
983,680
|
Ultimate Experience By Attained Age
|
15-19
|
56.2
|
10.8
|
54.9
|
27
|
1,167
|
58,736
|
2,604,067
|
48
|
2,126
|
20-29
|
79.2
|
6.6
|
80.0
|
142
|
5,418
|
180,771
|
6,832,294
|
179
|
6,772
|
30-39
|
62.8
|
4.7
|
57.4
|
181
|
7,027
|
165,481
|
6,974,043
|
288
|
12,253
|
40-49
|
57.8
|
2.3
|
51.7
|
634
|
41,193
|
262,824
|
18,582,053
|
1,097
|
79,736
|
50-59
|
52.7
|
1.0
|
53.4
|
2,536
|
189,159
|
417,517
|
31,245,536
|
4,809
|
354,422
|
60-69
|
56.0
|
0.8
|
55.7
|
4,502
|
234,108
|
263,603
|
14,372,104
|
8,035
|
420,514
|
70-79
|
62.1
|
0.9
|
59.6
|
5,235
|
153,368
|
117,144
|
3,686,320
|
8,436
|
257,218
|
80-89
|
73.4
|
1.2
|
71.8
|
3,740
|
76,446
|
36,587
|
771,375
|
5,098
|
106,464
|
90-99
|
69.7
|
3.3
|
79.2
|
447
|
5,864
|
2,598
|
31,045
|
641
|
7,405
|
100+
|
11.7
|
4.8
|
4.0
|
6
|
9
|
83
|
256
|
51
|
211
|
Total
|
60.8
|
0.5
|
57.2
|
17,450
|
713,759
|
1,505,343
|
85,099,092
|
28,682
|
1,247,120
|
GRAND TOTAL
|
62.1
|
0.4
|
57.6
|
22,868
|
1,286,015
|
3,116,855
|
375,541,590
|
36,810
|
2,230,801
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.2
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
64.9
|
3.5
|
52.4
|
339
|
100,836
|
664,912
|
281,969,132
|
522
|
192,307
|
2
|
59.6
|
2.9
|
52.6
|
418
|
130,984
|
634,724
|
263,631,103
|
701
|
248,865
|
3
|
65.0
|
2.8
|
53.4
|
533
|
149,914
|
607,921
|
244,641,281
|
820
|
280,759
|
4
|
62.9
|
2.6
|
52.4
|
568
|
156,955
|
567,513
|
220,606,791
|
902
|
299,339
|
5
|
57.2
|
2.4
|
41.5
|
569
|
131,901
|
534,832
|
199,620,209
|
994
|
317,781
|
6-10
|
56.9
|
0.9
|
46.8
|
4,422
|
930,897
|
2,527,736
|
776,551,742
|
7,765
|
1,990,179
|
11-15
|
57.9
|
0.7
|
53.2
|
6,330
|
835,352
|
1,794,983
|
324,288,630
|
10,933
|
1,571,290
|
Total
|
58.2
|
0.5
|
49.7
|
13,179
|
2,436,839
|
7,332,621
|
2,311,308,886
|
22,639
|
4,900,520
|
Select Experience By Issue Age
|
0-4
|
72.6
|
41.9
|
53.4
|
3
|
185
|
5,703
|
478,677
|
4
|
346
|
5-14
|
49.4
|
10.1
|
30.5
|
24
|
1,622
|
55,125
|
6,099,287
|
49
|
5,310
|
15-24
|
58.9
|
3.4
|
55.8
|
295
|
38,804
|
611,833
|
90,120,827
|
501
|
69,550
|
25-34
|
50.4
|
1.8
|
42.6
|
824
|
194,973
|
1,853,342
|
571,566,992
|
1,633
|
457,744
|
35-44
|
55.1
|
1.2
|
50.2
|
1,971
|
582,507
|
2,352,647
|
915,587,501
|
3,575
|
1,159,652
|
45-54
|
58.2
|
1.0
|
49.9
|
3,326
|
749,317
|
1,633,443
|
549,067,840
|
5,712
|
1,500,978
|
55-64
|
57.7
|
1.0
|
48.7
|
3,627
|
537,029
|
663,999
|
155,648,385
|
6,291
|
1,102,887
|
65-74
|
62.3
|
1.2
|
57.2
|
2,638
|
282,863
|
147,250
|
20,899,185
|
4,237
|
494,489
|
75-89
|
73.9
|
3.4
|
45.2
|
469
|
49,404
|
9,265
|
1,839,058
|
634
|
109,314
|
90+
|
66.2
|
46.8
|
54.1
|
2
|
135
|
15
|
1,135
|
3
|
249
|
Total
|
58.2
|
0.5
|
49.7
|
13,179
|
2,436,839
|
7,332,621
|
2,311,308,886
|
22,639
|
4,900,520
|
Ultimate Experience By Attained Age
|
15-19
|
50.1
|
12.9
|
46.2
|
15
|
886
|
36,476
|
2,340,691
|
30
|
1,916
|
20-29
|
62.5
|
6.9
|
56.7
|
83
|
3,891
|
133,904
|
6,915,938
|
133
|
6,861
|
30-39
|
65.2
|
4.6
|
49.1
|
198
|
10,029
|
262,425
|
17,628,344
|
304
|
20,432
|
40-49
|
57.6
|
1.8
|
51.0
|
1,037
|
104,649
|
943,691
|
105,061,045
|
1,800
|
205,222
|
50-59
|
53.9
|
0.9
|
49.5
|
3,425
|
412,420
|
1,454,102
|
190,543,806
|
6,357
|
832,573
|
60-69
|
53.1
|
0.7
|
48.8
|
6,115
|
625,354
|
962,467
|
109,985,568
|
11,517
|
1,282,526
|
70-79
|
52.6
|
0.6
|
50.6
|
8,668
|
647,814
|
442,573
|
35,423,463
|
16,475
|
1,280,012
|
80-89
|
64.2
|
0.6
|
54.3
|
10,406
|
579,598
|
170,037
|
11,372,920
|
16,215
|
1,067,945
|
90-99
|
80.9
|
1.8
|
78.8
|
1,936
|
114,767
|
11,846
|
712,141
|
2,392
|
145,578
|
100+
|
23.1
|
7.7
|
48.0
|
9
|
1,082
|
74
|
5,014
|
39
|
2,252
|
Total
|
57.7
|
0.3
|
51.6
|
31,892
|
2,500,490
|
4,417,596
|
479,988,930
|
55,261
|
4,845,317
|
GRAND TOTAL
|
57.9
|
0.3
|
50.7
|
45,071
|
4,937,329
|
11,750,217
|
2,791,297,817
|
77,900
|
9,745,837
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.3
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
62.4
|
7.7
|
46.4
|
65
|
15,822
|
177,216
|
47,168,063
|
104
|
34,068
|
2
|
61.6
|
7.5
|
41.6
|
67
|
17,467
|
160,076
|
41,906,829
|
109
|
41,961
|
3
|
61.5
|
7.6
|
29.6
|
66
|
13,040
|
143,072
|
35,974,656
|
107
|
44,072
|
4
|
46.0
|
6.8
|
30.3
|
46
|
12,879
|
126,758
|
30,089,342
|
100
|
42,558
|
5
|
52.3
|
7.3
|
37.7
|
52
|
16,320
|
116,741
|
26,944,876
|
99
|
43,280
|
6-10
|
47.1
|
3.3
|
46.9
|
199
|
49,320
|
464,730
|
62,664,619
|
422
|
105,206
|
11-15
|
70.7
|
3.5
|
73.0
|
411
|
25,637
|
433,885
|
25,774,516
|
581
|
35,107
|
Total
|
59.5
|
2.0
|
43.5
|
906
|
150,484
|
1,622,478
|
270,522,901
|
1,523
|
346,253
|
Select Experience By Issue Age
|
0-4
|
47.2
|
4.7
|
40.2
|
102
|
5,357
|
771,935
|
48,537,274
|
216
|
13,315
|
5-14
|
49.8
|
5.3
|
37.8
|
89
|
5,446
|
361,544
|
32,072,237
|
179
|
14,425
|
15-24
|
74.0
|
10.7
|
105.2
|
48
|
8,668
|
80,298
|
10,851,279
|
65
|
8,244
|
25-34
|
58.0
|
7.7
|
49.2
|
57
|
16,078
|
124,001
|
46,887,198
|
98
|
32,664
|
35-44
|
60.2
|
5.7
|
52.0
|
113
|
37,397
|
147,537
|
69,436,267
|
188
|
71,949
|
45-54
|
49.3
|
4.0
|
39.4
|
152
|
45,793
|
100,966
|
48,429,462
|
309
|
116,117
|
55-64
|
52.5
|
4.4
|
37.0
|
145
|
27,026
|
31,077
|
13,129,252
|
276
|
72,988
|
65-74
|
97.4
|
7.8
|
26.4
|
156
|
4,155
|
4,715
|
1,168,926
|
160
|
15,734
|
75-89
|
134.7
|
20.3
|
68.6
|
44
|
559
|
407
|
11,165
|
33
|
814
|
90+
|
|
|
113.1
|
0
|
3
|
0
|
16
|
0
|
3
|
Total
|
59.5
|
2.0
|
43.5
|
906
|
150,484
|
1,622,480
|
270,523,076
|
1,523
|
346,253
|
Ultimate Experience By Attained Age
|
15-19
|
58.0
|
6.1
|
45.5
|
90
|
3,044
|
202,144
|
8,755,663
|
155
|
6,694
|
20-29
|
66.0
|
3.4
|
55.9
|
387
|
12,210
|
590,809
|
22,062,381
|
586
|
21,837
|
30-39
|
81.6
|
3.4
|
64.4
|
565
|
11,168
|
567,799
|
14,282,224
|
692
|
17,339
|
40-49
|
89.6
|
2.4
|
65.4
|
1,428
|
34,518
|
691,042
|
21,979,207
|
1,593
|
52,816
|
50-59
|
70.4
|
0.9
|
58.9
|
5,950
|
165,171
|
1,321,042
|
44,960,510
|
8,457
|
280,617
|
60-69
|
59.7
|
0.5
|
52.8
|
15,706
|
313,229
|
1,555,870
|
36,378,895
|
26,307
|
593,163
|
70-79
|
63.1
|
0.3
|
56.5
|
33,123
|
444,956
|
1,165,996
|
17,980,869
|
52,452
|
787,071
|
80-89
|
77.1
|
0.3
|
70.9
|
56,229
|
599,215
|
704,119
|
8,272,021
|
72,949
|
844,606
|
90-99
|
74.2
|
0.5
|
82.9
|
18,994
|
173,863
|
114,357
|
974,012
|
25,589
|
209,636
|
100+
|
6.4
|
0.3
|
21.7
|
619
|
3,424
|
14,006
|
26,132
|
9,696
|
15,803
|
Total
|
67.1
|
0.2
|
62.2
|
133,091
|
1,760,799
|
6,927,185
|
175,671,914
|
198,477
|
2,829,581
|
GRAND TOTAL
|
67.0
|
0.2
|
60.2
|
133,997
|
1,911,283
|
8,549,665
|
446,194,990
|
200,000
|
3,175,835
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.4
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
63.7
|
8.7
|
31.6
|
54
|
3,944
|
90,451
|
17,509,374
|
85
|
12,471
|
2
|
74.1
|
8.0
|
63.4
|
86
|
10,420
|
85,878
|
15,933,727
|
116
|
16,435
|
3
|
94.2
|
8.4
|
61.9
|
127
|
11,277
|
83,647
|
14,646,213
|
135
|
18,220
|
4
|
90.9
|
7.8
|
54.8
|
135
|
10,740
|
80,554
|
13,502,880
|
148
|
19,604
|
5
|
77.6
|
6.9
|
58.1
|
128
|
12,555
|
79,073
|
12,638,182
|
165
|
21,620
|
6-10
|
82.2
|
2.5
|
62.9
|
1,085
|
86,930
|
424,975
|
53,142,509
|
1,320
|
138,202
|
11-15
|
84.8
|
1.8
|
76.5
|
2,156
|
105,142
|
470,445
|
32,164,156
|
2,544
|
137,405
|
Total
|
83.6
|
1.4
|
66.2
|
3,771
|
241,008
|
1,315,024
|
159,537,040
|
4,513
|
363,956
|
Select Experience By Issue Age
|
0-4
|
48.2
|
34.1
|
19.9
|
2
|
39
|
13,744
|
643,290
|
4
|
194
|
5-14
|
71.6
|
13.8
|
75.0
|
27
|
1,630
|
117,630
|
6,874,639
|
38
|
2,174
|
15-24
|
60.4
|
8.2
|
62.1
|
54
|
4,714
|
179,914
|
17,135,415
|
89
|
7,593
|
25-34
|
52.2
|
3.7
|
48.7
|
194
|
23,155
|
331,665
|
53,270,080
|
371
|
47,588
|
35-44
|
65.8
|
2.6
|
54.1
|
637
|
59,771
|
343,271
|
50,684,081
|
967
|
110,531
|
45-54
|
82.3
|
2.4
|
62.1
|
1,141
|
66,539
|
235,085
|
24,794,933
|
1,386
|
107,209
|
55-64
|
102.3
|
3.1
|
83.9
|
1,080
|
45,278
|
76,479
|
5,128,267
|
1,056
|
53,937
|
65-74
|
104.0
|
4.4
|
121.8
|
552
|
32,638
|
16,199
|
891,138
|
531
|
26,795
|
75-89
|
118.8
|
13.0
|
91.0
|
83
|
7,194
|
1,036
|
115,097
|
70
|
7,909
|
90+
|
190.5
|
190.5
|
190.5
|
1
|
50
|
2
|
100
|
1
|
26
|
Total
|
83.6
|
1.4
|
66.2
|
3,771
|
241,008
|
1,315,024
|
159,537,040
|
4,513
|
363,956
|
Ultimate Experience By Attained Age
|
15-19
|
86.5
|
21.6
|
70.9
|
16
|
599
|
56,974
|
2,609,166
|
18
|
845
|
20-29
|
76.3
|
10.9
|
74.5
|
49
|
1,823
|
165,144
|
6,306,351
|
64
|
2,447
|
30-39
|
56.0
|
6.0
|
47.5
|
87
|
3,258
|
157,369
|
6,747,879
|
155
|
6,858
|
40-49
|
59.7
|
2.6
|
56.2
|
520
|
29,046
|
289,087
|
17,103,713
|
871
|
51,707
|
50-59
|
71.5
|
1.7
|
68.8
|
1,759
|
84,896
|
378,049
|
19,420,287
|
2,461
|
123,389
|
60-69
|
84.7
|
1.6
|
85.4
|
2,861
|
87,897
|
221,258
|
7,045,119
|
3,379
|
102,953
|
70-79
|
96.7
|
1.6
|
89.3
|
3,750
|
65,835
|
105,663
|
2,031,771
|
3,878
|
73,705
|
80-89
|
98.8
|
1.8
|
98.4
|
3,136
|
50,347
|
38,795
|
636,277
|
3,174
|
51,143
|
90-99
|
91.7
|
3.7
|
141.2
|
626
|
13,001
|
3,858
|
51,365
|
683
|
9,208
|
100+
|
11.7
|
4.8
|
21.1
|
6
|
32
|
95
|
275
|
51
|
152
|
Total
|
86.9
|
0.8
|
79.7
|
12,810
|
336,735
|
1,416,294
|
61,952,204
|
14,735
|
422,407
|
GRAND TOTAL
|
86.1
|
0.7
|
73.5
|
16,581
|
577,743
|
2,731,318
|
221,489,244
|
19,248
|
786,363
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.5
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
47.4
|
3.7
|
38.5
|
162
|
30,382
|
686,191
|
198,980,131
|
342
|
78,963
|
2
|
49.9
|
3.3
|
36.0
|
233
|
37,385
|
650,190
|
183,375,235
|
467
|
103,780
|
3
|
65.4
|
3.5
|
58.8
|
357
|
68,343
|
618,733
|
168,684,103
|
546
|
116,273
|
4
|
58.4
|
3.1
|
45.8
|
351
|
55,729
|
573,327
|
150,359,374
|
601
|
121,615
|
5
|
56.7
|
2.9
|
47.0
|
377
|
61,178
|
535,513
|
134,282,869
|
665
|
130,126
|
6-10
|
60.0
|
1.1
|
56.0
|
3,174
|
455,969
|
2,455,356
|
499,452,559
|
5,290
|
813,848
|
11-15
|
61.9
|
0.8
|
60.8
|
5,763
|
487,679
|
1,863,482
|
220,159,199
|
9,304
|
802,155
|
Total
|
60.5
|
0.6
|
55.2
|
10,417
|
1,196,666
|
7,382,791
|
1,555,293,471
|
17,214
|
2,166,760
|
Select Experience By Issue Age
|
0-4
|
177.8
|
102.6
|
92.9
|
3
|
133
|
5,562
|
473,385
|
2
|
143
|
5-14
|
44.9
|
15.9
|
78.7
|
8
|
1,532
|
54,077
|
5,980,772
|
18
|
1,947
|
15-24
|
69.2
|
5.5
|
72.5
|
157
|
20,200
|
700,255
|
95,715,823
|
227
|
27,880
|
25-34
|
57.9
|
2.3
|
54.3
|
625
|
123,037
|
2,181,020
|
526,170,454
|
1,079
|
226,448
|
35-44
|
66.0
|
1.7
|
58.7
|
1,478
|
278,224
|
2,218,536
|
571,148,701
|
2,240
|
474,330
|
45-54
|
63.3
|
1.4
|
60.4
|
2,104
|
283,934
|
1,414,868
|
265,319,776
|
3,324
|
469,933
|
55-64
|
56.3
|
1.2
|
48.9
|
2,373
|
176,374
|
595,193
|
68,634,171
|
4,215
|
360,368
|
65-74
|
58.0
|
1.1
|
47.0
|
2,680
|
187,400
|
189,170
|
18,217,436
|
4,620
|
398,482
|
75-89
|
66.4
|
2.1
|
60.4
|
988
|
124,973
|
24,103
|
3,631,793
|
1,488
|
206,958
|
90+
|
87.7
|
87.7
|
318.0
|
1
|
858
|
7
|
1,160
|
1
|
270
|
Total
|
60.5
|
0.6
|
55.2
|
10,417
|
1,196,666
|
7,382,791
|
1,555,293,471
|
17,214
|
2,166,760
|
Ultimate Experience By Attained Age
|
15-19
|
86.1
|
27.2
|
70.5
|
10
|
525
|
35,617
|
2,291,701
|
12
|
745
|
20-29
|
70.1
|
11.7
|
66.3
|
36
|
1,771
|
132,621
|
6,879,101
|
51
|
2,670
|
30-39
|
68.6
|
6.5
|
72.9
|
111
|
7,771
|
262,293
|
17,081,790
|
162
|
10,662
|
40-49
|
61.2
|
2.2
|
61.5
|
739
|
65,980
|
944,623
|
83,296,247
|
1,208
|
107,347
|
50-59
|
64.5
|
1.4
|
60.7
|
2,111
|
167,728
|
1,215,930
|
104,286,780
|
3,271
|
276,425
|
60-69
|
57.2
|
1.0
|
57.2
|
3,111
|
177,546
|
742,379
|
44,620,231
|
5,438
|
310,656
|
70-79
|
53.0
|
0.8
|
43.0
|
4,652
|
146,416
|
372,518
|
14,649,025
|
8,780
|
340,644
|
80-89
|
68.7
|
0.7
|
57.3
|
8,589
|
270,888
|
185,572
|
6,884,082
|
12,504
|
472,420
|
90-99
|
83.5
|
1.6
|
81.7
|
2,618
|
106,837
|
19,499
|
804,448
|
3,135
|
130,745
|
100+
|
61.8
|
10.6
|
91.9
|
34
|
4,222
|
122
|
10,997
|
55
|
4,596
|
Total
|
63.6
|
0.4
|
57.3
|
22,011
|
949,684
|
3,911,174
|
280,804,403
|
34,616
|
1,656,909
|
GRAND TOTAL
|
62.6
|
0.3
|
56.1
|
32,428
|
2,146,350
|
11,293,965
|
1,836,097,873
|
51,830
|
3,823,670
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015
TABLE 8.6
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
52.2
|
8.8
|
34.2
|
35
|
5,066
|
165,784
|
35,666,200
|
67
|
14,835
|
2
|
48.1
|
8.6
|
17.1
|
31
|
2,845
|
149,551
|
31,389,249
|
64
|
16,647
|
3
|
55.9
|
9.7
|
28.4
|
33
|
4,481
|
133,142
|
26,165,412
|
59
|
15,755
|
4
|
58.6
|
10.5
|
43.9
|
31
|
6,057
|
117,904
|
21,242,823
|
53
|
13,804
|
5
|
95.3
|
13.6
|
77.7
|
49
|
10,277
|
107,339
|
18,450,234
|
51
|
13,225
|
6-10
|
50.4
|
4.4
|
42.8
|
130
|
16,816
|
448,777
|
48,855,002
|
258
|
39,312
|
11-15
|
90.2
|
4.0
|
57.8
|
516
|
13,462
|
429,291
|
25,792,237
|
572
|
23,305
|
Total
|
73.3
|
2.6
|
43.1
|
825
|
59,005
|
1,551,787
|
207,561,157
|
1,125
|
136,883
|
Select Experience By Issue Age
|
0-4
|
39.5
|
5.3
|
32.6
|
56
|
3,138
|
752,526
|
50,357,961
|
142
|
9,622
|
5-14
|
55.5
|
8.6
|
39.4
|
42
|
2,640
|
347,931
|
32,516,689
|
76
|
6,693
|
15-24
|
37.1
|
11.7
|
28.7
|
10
|
932
|
80,951
|
11,003,375
|
27
|
3,254
|
25-34
|
60.9
|
9.4
|
58.9
|
42
|
10,455
|
136,310
|
43,200,511
|
69
|
17,763
|
35-44
|
53.6
|
6.2
|
46.0
|
76
|
17,549
|
133,823
|
45,343,406
|
142
|
38,129
|
45-54
|
60.1
|
5.9
|
31.6
|
104
|
11,456
|
72,966
|
21,168,267
|
173
|
36,243
|
55-64
|
90.3
|
7.0
|
43.7
|
168
|
6,857
|
20,045
|
3,537,982
|
186
|
15,694
|
65-74
|
104.5
|
7.1
|
60.7
|
219
|
4,453
|
6,098
|
400,202
|
210
|
7,337
|
75-89
|
105.5
|
10.2
|
70.5
|
107
|
1,513
|
1,137
|
32,749
|
101
|
2,145
|
90+
|
888.3
|
888.3
|
434.1
|
1
|
10
|
1
|
15
|
0
|
2
|
Total
|
73.3
|
2.6
|
43.1
|
825
|
59,005
|
1,551,787
|
207,561,157
|
1,125
|
136,883
|
Ultimate Experience By Attained Age
|
15-19
|
50.7
|
9.1
|
50.3
|
31
|
1,472
|
194,744
|
9,340,714
|
61
|
2,924
|
20-29
|
70.6
|
5.7
|
61.0
|
154
|
5,122
|
562,618
|
21,932,475
|
218
|
8,396
|
30-39
|
70.5
|
4.5
|
64.6
|
249
|
5,511
|
492,604
|
12,111,272
|
353
|
8,526
|
40-49
|
74.9
|
2.7
|
65.6
|
782
|
20,264
|
564,521
|
16,317,236
|
1,045
|
30,884
|
50-59
|
77.6
|
1.4
|
66.6
|
3,002
|
63,059
|
966,083
|
24,463,709
|
3,871
|
94,718
|
60-69
|
75.3
|
0.9
|
68.2
|
6,439
|
80,672
|
888,442
|
12,918,286
|
8,554
|
118,210
|
70-79
|
77.5
|
0.7
|
72.8
|
12,985
|
93,632
|
611,286
|
4,887,466
|
16,763
|
128,609
|
80-89
|
83.1
|
0.5
|
81.0
|
26,815
|
141,861
|
440,211
|
2,431,515
|
32,256
|
175,159
|
90-99
|
76.2
|
0.7
|
83.1
|
13,624
|
62,524
|
98,612
|
425,178
|
17,890
|
75,228
|
100+
|
14.0
|
0.5
|
28.2
|
663
|
2,607
|
7,513
|
16,371
|
4,732
|
9,234
|
Total
|
75.5
|
0.3
|
73.1
|
64,744
|
476,723
|
4,826,635
|
104,844,220
|
85,742
|
651,887
|
GRAND TOTAL
|
75.5
|
0.3
|
67.9
|
65,569
|
535,728
|
6,378,422
|
312,405,377
|
86,867
|
788,770
|
Thomson Data Analysis Tue Jun 16 16:12:57 2015