CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 9.1 TOTAL EXPERIENCE -- WHOLE LIFE
TABLE 9.2 TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
TABLE 9.3 TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
TABLE 9.4 TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
TABLE 9.5 TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
TABLE 9.6 TOTAL EXPERIENCE -- TERM TO 100
TABLE 10.1 TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.2 TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.3 TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.4 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.5 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.6 TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.7 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.8 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.9 TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
TABLE 10.10 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
TABLE 10.11 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
TABLE 10.12 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A



TABLE 1     TOTAL EXPERIENCE
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 45.9 4.2 37.6 122 32,067 394,843 142,582,245 266 85,227
2 56.1 4.0 49.2 200 54,944 375,865 130,584,121 357 111,686
3 60.6 3.8 46.1 260 61,220 365,260 125,661,591 429 132,790
4 55.3 3.5 39.5 255 52,387 338,157 109,282,815 461 132,537
5 58.0 3.4 47.9 290 68,579 320,759 102,540,612 500 143,285
6-10 56.0 1.3 48.4 1,900 374,865 1,348,319 351,258,899 3,394 774,482
11-15 58.8 1.1 50.6 3,015 324,626 1,025,001 149,025,373 5,131 642,089
Total 57.3 0.7 47.9 6,042 968,690 4,168,202 1,110,935,655 10,537 2,022,097
Select Experience By Issue Age
0-4 35.7 7.1 29.5 25 1,482 291,259 21,378,684 70 5,026
5-14 54.7 8.1 48.2 46 3,699 199,689 19,669,253 84 7,670
15-24 66.8 5.6 75.1 140 22,352 350,259 53,903,387 210 29,769
25-34 53.9 2.7 50.6 411 103,731 1,016,119 307,345,052 763 204,947
35-44 57.2 1.8 48.3 1,004 240,145 1,149,438 408,937,557 1,756 496,991
45-54 54.9 1.4 47.5 1,505 288,063 782,834 229,502,093 2,741 606,444
55-64 57.0 1.5 42.2 1,510 166,369 300,258 59,829,057 2,649 394,140
65-74 59.1 1.8 47.8 1,071 96,200 71,472 9,144,563 1,812 201,082
75-89 72.9 4.0 61.3 329 46,562 6,869 1,225,649 452 75,945
90+ 97.2 97.2 105.0 1 87 5 360 1 83
Total 57.3 0.7 47.9 6,042 968,690 4,168,202 1,110,935,655 10,537 2,022,097
Ultimate Experience By Attained Age
15-19 47.8 8.9 47.0 29 1,440 109,107 5,590,602 61 3,063
20-29 69.8 5.3 64.9 172 7,127 353,861 15,946,996 246 10,988
30-39 74.2 4.2 69.0 305 11,943 399,288 17,027,979 411 17,319
40-49 64.3 2.1 53.6 906 56,351 690,632 52,810,066 1,409 105,206
50-59 61.8 1.0 49.7 3,715 226,742 1,188,072 96,718,046 6,014 455,832
60-69 58.9 0.7 49.9 8,046 354,803 1,005,957 56,958,804 13,660 711,122
70-79 62.3 0.5 50.9 13,845 357,778 596,833 19,627,020 22,234 703,045
80-89 74.5 0.5 63.4 23,068 443,724 341,312 7,770,277 30,978 699,478
90-99 76.3 0.8 80.3 9,145 134,652 60,224 878,169 11,992 167,722
100+ 13.9 0.8 39.2 338 3,499 3,841 16,764 2,440 8,921
Total 66.6 0.3 55.4 59,569 1,598,058 4,749,127 273,344,722 89,445 2,882,697
GRAND TOTAL 65.6 0.3 52.3 65,611 2,566,749 8,917,330 1,384,280,378 99,982 4,904,793

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 2.1     TOTAL EXPERIENCE -- MALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 54.2 5.7 42.8 89 25,879 201,566 83,899,733 164 60,467
2 59.7 5.2 56.9 131 44,666 191,423 76,850,513 219 78,448
3 57.5 4.7 38.2 152 35,681 185,605 74,113,933 264 93,306
4 54.4 4.4 37.0 155 35,173 171,186 64,367,869 285 95,117
5 55.4 4.2 46.4 172 47,956 163,147 60,950,410 311 103,433
6-10 53.1 1.6 45.5 1,102 251,421 689,819 210,807,930 2,077 552,952
11-15 56.0 1.4 46.5 1,625 195,553 507,102 86,904,666 2,902 420,493
Total 55.1 0.9 45.3 3,426 636,328 2,109,848 657,895,054 6,222 1,404,214
Select Experience By Issue Age
0-4 42.7 10.1 31.6 18 922 147,306 10,493,159 42 2,917
5-14 53.2 9.4 55.7 32 2,991 101,860 9,804,270 60 5,369
15-24 70.6 7.0 77.6 103 16,627 168,087 26,653,535 146 21,414
25-34 51.6 3.3 48.8 240 67,114 478,781 161,423,384 465 137,476
35-44 51.9 2.2 45.6 565 159,577 597,811 249,988,207 1,089 349,813
45-54 52.8 1.7 47.0 926 214,793 422,250 153,116,544 1,755 456,970
55-64 54.7 1.8 41.8 891 123,636 159,608 41,097,308 1,628 295,458
65-74 60.9 2.6 38.9 547 42,210 32,141 4,935,462 899 108,495
75-89 74.8 7.4 31.9 103 8,372 1,999 382,903 138 26,231
90+ 115.9 115.9 123.8 1 86 4 282 1 70
Total 55.1 0.9 45.3 3,426 636,328 2,109,848 657,895,054 6,222 1,404,214
Ultimate Experience By Attained Age
15-19 45.8 10.2 44.8 20 964 55,443 2,725,441 44 2,151
20-29 70.3 6.3 63.9 126 5,063 180,699 7,995,802 179 7,924
30-39 78.8 5.4 62.6 212 7,135 206,563 8,820,196 269 11,405
40-49 64.9 2.8 53.3 535 35,159 350,078 28,548,005 824 65,985
50-59 58.1 1.2 46.2 2,308 154,658 644,687 60,687,032 3,971 334,886
60-69 55.1 0.8 45.9 5,357 260,491 586,605 39,631,443 9,714 567,914
70-79 58.6 0.6 49.8 9,326 280,907 359,158 14,051,983 15,918 564,392
80-89 72.3 0.6 62.4 14,747 320,865 195,602 5,151,232 20,410 514,252
90-99 75.9 1.1 80.9 5,060 84,510 30,216 496,373 6,668 104,417
100+ 10.5 0.9 21.5 152 1,153 2,200 9,403 1,446 5,354
Total 63.7 0.3 52.8 37,843 1,150,905 2,611,251 168,116,908 59,444 2,178,680
GRAND TOTAL 62.8 0.3 49.9 41,269 1,787,233 4,721,098 826,011,962 65,666 3,582,894

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 2.2     TOTAL EXPERIENCE -- FEMALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 32.5 5.7 25.0 33 6,188 193,277 58,682,512 102 24,761
2 50.3 6.1 30.9 69 10,279 184,442 53,733,608 137 33,239
3 65.6 6.3 64.7 108 25,540 179,655 51,547,658 165 39,484
4 56.7 5.7 46.0 100 17,215 166,971 44,914,946 176 37,420
5 62.4 5.7 51.7 118 20,624 157,612 41,590,203 189 39,853
6-10 60.6 2.1 55.7 798 123,444 658,500 140,450,968 1,317 221,530
11-15 62.4 1.7 58.2 1,390 129,073 517,898 62,120,707 2,229 221,596
Total 60.6 1.2 53.8 2,616 332,362 2,058,355 453,040,602 4,315 617,883
Select Experience By Issue Age
0-4 25.1 9.5 26.5 7 560 143,953 10,885,525 28 2,109
5-14 58.4 15.6 30.8 14 708 97,829 9,864,983 24 2,301
15-24 57.9 9.5 68.5 37 5,725 182,171 27,249,851 64 8,355
25-34 57.4 4.4 54.3 171 36,618 537,338 145,921,669 298 67,471
35-44 65.8 3.1 54.7 439 80,568 551,627 158,949,350 667 147,178
45-54 58.7 2.4 49.0 579 73,270 360,584 76,385,549 986 149,474
55-64 60.7 2.4 43.3 619 42,733 140,650 18,731,749 1,020 98,681
65-74 57.4 2.5 58.3 524 53,990 39,331 4,209,101 914 92,587
75-89 72.0 4.8 76.8 226 38,190 4,870 842,745 314 49,714
90+ 0.0 0.0 4.0 0 1 1 78 0 13
Total 60.6 1.2 53.8 2,616 332,362 2,058,355 453,040,602 4,315 617,883
Ultimate Experience By Attained Age
15-19 52.7 17.6 52.2 9 476 53,664 2,865,161 17 912
20-29 68.4 10.1 67.3 46 2,064 173,162 7,951,193 67 3,064
30-39 65.4 6.8 81.3 93 4,807 192,725 8,207,784 142 5,915
40-49 63.4 3.3 54.0 371 21,191 340,554 24,262,062 585 39,221
50-59 68.9 1.8 59.6 1,407 72,084 543,385 36,031,014 2,042 120,945
60-69 68.1 1.3 65.9 2,689 94,313 419,352 17,327,361 3,946 143,208
70-79 71.5 1.1 55.4 4,519 76,871 237,675 5,575,037 6,316 138,653
80-89 78.7 0.9 66.3 8,321 122,859 145,710 2,619,045 10,567 185,226
90-99 76.7 1.2 79.2 4,085 50,142 30,008 381,796 5,324 63,305
100+ 18.7 1.4 65.8 186 2,347 1,641 7,361 994 3,567
Total 72.4 0.5 63.5 21,726 447,154 2,137,877 105,227,814 30,001 704,017
GRAND TOTAL 70.9 0.5 59.0 24,342 779,516 4,196,231 558,268,416 34,316 1,321,900

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 53.0 12.9 27.2 17 2,170 23,774 7,337,173 32 7,966
2 83.9 13.8 81.1 37 7,928 22,267 6,370,714 44 9,780
3 65.9 11.3 33.9 34 3,808 21,262 5,976,766 52 11,218
4 57.4 10.0 48.3 33 5,542 20,577 5,288,798 58 11,476
5 64.1 10.0 70.0 41 9,441 20,125 5,278,729 64 13,489
6-10 55.0 3.5 48.7 251 39,068 91,647 19,310,699 456 80,207
11-15 56.8 2.8 51.9 412 33,268 85,416 9,001,459 726 64,053
Total 57.6 2.0 51.1 825 101,225 285,067 58,564,338 1,431 198,188
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,741 134,941 2 97
5-14 71.8 19.9 111.9 13 1,242 21,228 1,328,195 18 1,110
15-24 101.2 16.9 99.8 36 4,097 31,556 3,967,353 36 4,103
25-34 48.2 6.4 46.0 57 11,599 77,497 19,171,679 118 25,243
35-44 47.3 3.9 42.8 148 27,168 81,679 21,845,648 313 63,483
45-54 56.2 3.4 49.7 277 35,356 52,894 10,269,864 493 71,076
55-64 61.7 4.3 61.3 201 16,771 14,903 1,716,854 326 27,352
65-74 71.4 7.8 82.9 83 4,511 2,459 126,278 116 5,443
75-89 112.1 35.5 170.9 10 481 110 3,526 9 282
90+ 0 0 0 0 0 0
Total 57.6 2.0 51.1 825 101,225 285,067 58,564,338 1,431 198,188
Ultimate Experience By Attained Age
15-19 68.3 27.9 95.5 6 389 10,855 504,646 9 408
20-29 78.0 15.0 75.9 27 1,084 34,803 1,437,222 35 1,428
30-39 63.4 9.7 57.6 43 1,701 38,987 1,684,235 68 2,955
40-49 55.8 5.2 53.1 114 8,180 49,310 3,596,804 204 15,410
50-59 54.6 2.3 49.8 571 40,630 89,432 7,066,737 1,046 81,522
60-69 56.5 1.7 51.3 1,050 53,753 60,698 3,560,449 1,858 104,741
70-79 60.8 1.8 62.5 1,166 40,545 26,732 929,160 1,917 64,856
80-89 70.0 2.4 77.3 880 21,670 8,945 199,605 1,258 28,020
90-99 71.7 6.0 72.7 145 1,897 809 10,724 202 2,610
100+ 13.3 6.6 1.5 4 3 46 198 30 166
Total 60.5 1.0 56.2 4,006 169,852 320,615 18,989,781 6,627 302,115
GRAND TOTAL 60.0 0.9 54.2 4,831 271,077 605,682 77,554,119 8,058 500,304

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.2     TOTAL EXPERIENCE -- MALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 57.6 7.4 48.7 60 20,404 132,071 61,806,674 104 41,875
2 55.6 6.3 58.5 79 32,022 125,996 56,646,384 142 54,737
3 57.6 5.8 43.2 100 27,736 124,069 54,863,252 174 64,179
4 55.2 5.3 37.8 107 25,738 117,389 49,315,093 194 68,066
5 52.5 5.0 44.4 112 33,258 112,445 47,021,916 213 74,959
6-10 52.6 1.9 43.2 778 183,588 486,922 168,814,965 1,479 424,525
11-15 56.6 1.7 46.2 1,170 159,646 342,776 71,911,913 2,066 345,806
Total 55.0 1.1 44.9 2,406 482,391 1,441,667 510,380,196 4,372 1,074,147
Select Experience By Issue Age
0-4 221.8 221.8 116.2 1 50 624 60,023 0 43
5-14 26.2 18.5 35.8 2 342 8,745 1,108,948 8 958
15-24 56.4 7.7 47.2 53 7,038 116,201 19,459,896 94 14,900
25-34 52.1 4.1 47.7 163 47,585 357,816 124,644,989 313 99,855
35-44 54.1 2.8 45.2 383 116,599 462,356 201,598,962 708 257,806
45-54 53.3 2.2 49.2 614 166,729 331,858 124,291,606 1,151 338,660
55-64 54.0 2.1 41.7 659 99,615 133,810 34,438,393 1,220 238,754
65-74 58.9 2.8 37.7 443 36,697 28,442 4,400,683 753 97,345
75-89 70.1 7.5 29.7 87 7,651 1,810 376,421 124 25,757
90+ 115.9 115.9 124.1 1 85 4 275 1 68
Total 55.0 1.1 44.9 2,406 482,391 1,441,667 510,380,196 4,372 1,074,147
Ultimate Experience By Attained Age
15-19 62.4 31.2 66.2 4 313 7,720 569,523 6 473
20-29 65.2 15.0 53.5 19 930 29,302 1,749,601 29 1,738
30-39 76.0 11.0 61.1 48 2,763 54,603 3,905,150 63 4,521
40-49 58.4 4.1 50.4 203 20,853 181,759 21,083,607 348 41,361
50-59 48.9 1.9 40.0 695 78,942 322,022 44,766,178 1,422 197,502
60-69 49.6 1.3 43.0 1,373 143,542 228,983 28,221,841 2,768 333,660
70-79 50.5 1.1 44.6 1,984 147,029 106,355 9,210,551 3,932 330,025
80-89 63.4 1.2 53.1 2,654 155,074 43,353 3,066,779 4,186 292,125
90-99 79.3 3.2 81.1 599 39,214 3,735 236,588 756 48,340
100+ 13.9 9.8 11.0 2 123 26 2,452 14 1,115
Total 56.1 0.6 47.1 7,581 588,783 977,858 112,812,270 13,524 1,250,860
GRAND TOTAL 55.8 0.6 46.1 9,987 1,071,173 2,419,524 623,192,466 17,896 2,325,006

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.3     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 42.8 12.4 31.1 12 3,306 45,721 14,755,886 28 10,625
2 45.1 11.6 33.9 15 4,716 43,161 13,833,415 33 13,931
3 46.2 10.9 23.1 18 4,137 40,274 13,273,914 39 17,909
4 44.7 11.5 25.0 15 3,893 33,220 9,763,977 34 15,575
5 57.0 13.1 35.1 19 5,257 30,577 8,649,765 33 14,985
6-10 51.4 6.0 59.7 73 28,766 111,250 22,682,267 142 48,220
11-15 39.0 6.0 24.8 43 2,639 78,911 5,991,295 110 10,634
Total 46.5 3.3 40.0 195 52,713 383,114 88,950,519 419 131,879
Select Experience By Issue Age
0-4 42.8 10.4 31.4 17 872 143,941 10,298,195 40 2,777
5-14 49.3 12.0 42.6 17 1,406 71,887 7,367,126 34 3,301
15-24 86.1 23.0 227.8 14 5,492 20,330 3,226,287 16 2,411
25-34 59.0 13.2 64.1 20 7,930 43,468 17,606,717 34 12,378
35-44 50.4 8.6 55.4 34 15,810 53,776 26,543,596 67 28,523
45-54 31.6 5.3 26.9 35 12,709 37,498 18,555,074 111 47,234
55-64 37.7 6.8 24.7 31 7,250 10,895 4,942,061 82 29,353
65-74 70.5 15.4 17.6 21 1,003 1,240 408,501 30 5,707
75-89 131.0 53.5 124.5 6 239 78 2,956 5 192
90+ 106.7 0 1 0 7 0 1
Total 46.5 3.3 40.0 195 52,713 383,114 88,950,519 419 131,879
Ultimate Experience By Attained Age
15-19 35.1 11.1 20.6 10 262 36,868 1,651,271 28 1,271
20-29 69.3 7.7 64.1 80 3,049 116,594 4,808,979 115 4,759
30-39 87.7 8.0 68.0 121 2,671 112,973 3,230,810 138 3,928
40-49 80.2 5.4 66.5 218 6,126 119,010 3,867,594 272 9,213
50-59 69.3 2.1 62.8 1,042 35,086 233,233 8,854,117 1,503 55,863
60-69 57.7 1.1 48.8 2,934 63,195 296,925 7,849,153 5,087 129,513
70-79 61.3 0.8 55.1 6,176 93,333 226,071 3,912,271 10,069 169,510
80-89 74.9 0.7 74.2 11,213 144,120 143,304 1,884,848 14,967 194,108
90-99 75.6 1.2 81.2 4,316 43,398 25,673 249,061 5,710 53,467
100+ 10.4 0.9 25.2 146 1,028 2,128 6,753 1,402 4,072
Total 66.8 0.4 62.7 26,256 392,270 1,312,778 36,314,857 39,293 625,705
GRAND TOTAL 66.6 0.4 58.7 26,451 444,983 1,695,892 125,265,376 39,712 757,584

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.4     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 54.2 19.2 31.8 8 751 15,051 3,249,051 15 2,364
2 74.5 18.6 33.1 16 1,132 14,882 3,093,857 21 3,415
3 83.2 17.7 69.3 22 2,837 15,045 2,935,845 26 4,091
4 87.1 17.1 77.7 26 3,246 15,034 2,756,863 30 4,178
5 71.8 14.7 55.1 24 2,588 14,832 2,719,406 33 4,700
6-10 75.2 5.7 56.9 172 15,782 70,693 10,481,716 229 27,732
11-15 85.7 4.5 73.4 358 19,727 78,829 6,075,088 418 26,895
Total 81.1 3.2 62.8 626 46,064 224,366 31,311,826 772 73,374
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,628 134,587 1 41
5-14 93.9 38.4 86.5 6 350 19,817 1,274,401 6 404
15-24 54.4 19.2 61.5 8 863 28,674 3,107,699 15 1,402
25-34 48.2 8.9 54.4 29 4,942 55,632 10,432,186 60 9,077
35-44 78.6 6.9 69.8 129 15,099 57,162 9,709,498 164 21,621
45-54 74.3 5.4 51.8 186 12,016 43,358 5,341,683 250 23,219
55-64 97.4 7.3 76.4 176 8,500 14,114 1,116,074 181 11,129
65-74 92.1 10.5 66.0 77 3,289 2,809 172,873 84 4,985
75-89 132.3 34.2 67.2 15 1,004 171 22,825 11 1,495
90+ 0 0 0 0 0 0
Total 81.1 3.2 62.8 626 46,064 224,366 31,311,826 772 73,374
Ultimate Experience By Attained Age
15-19 29.2 29.2 15.2 1 25 10,645 509,908 3 164
20-29 86.4 26.1 84.5 11 445 32,237 1,340,989 13 526
30-39 53.6 12.3 64.0 19 997 36,338 1,559,394 35 1,557
40-49 65.1 6.3 57.8 106 6,006 53,944 3,414,909 163 10,393
50-59 74.2 3.7 70.4 412 21,374 84,321 4,712,791 555 30,373
60-69 83.9 3.2 88.1 676 24,097 52,521 1,857,707 806 27,351
70-79 101.8 3.4 85.5 892 15,517 24,032 504,668 876 18,148
80-89 97.2 3.6 80.5 735 10,720 9,209 166,633 756 13,309
90-99 93.5 6.9 131.7 186 2,842 1,113 12,230 199 2,158
100+ 17.3 7.7 2.2 5 2 51 151 29 95
Total 88.6 1.6 78.8 3,043 82,025 304,413 14,079,380 3,436 104,075
GRAND TOTAL 87.2 1.4 72.2 3,669 128,089 528,779 45,391,205 4,208 177,449

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.5     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 33.2 6.9 30.0 23 5,332 135,673 44,457,203 69 17,745
2 49.8 7.2 35.9 48 8,562 129,266 40,148,804 96 23,862
3 64.0 7.4 70.4 75 20,208 127,773 39,110,720 117 28,719
4 48.7 6.1 40.0 63 11,206 121,468 35,317,313 129 28,024
5 50.4 6.0 43.4 70 13,183 114,761 32,728,584 139 30,386
6-10 59.0 2.4 57.6 594 102,471 482,886 114,134,699 1,007 177,901
11-15 57.1 1.8 56.5 983 106,399 359,797 50,175,273 1,723 188,224
Total 56.6 1.3 54.0 1,856 267,361 1,471,624 356,072,595 3,281 494,861
Select Experience By Issue Age
0-4 506.5 506.5 441.0 1 98 649 73,422 0 22
5-14 0.0 0.0 0.0 0 0 8,593 1,079,672 3 348
15-24 61.8 12.1 77.3 26 4,603 132,200 20,715,887 42 5,951
25-34 59.5 5.3 52.2 127 26,906 433,459 119,056,993 213 51,519
35-44 64.5 3.8 55.4 292 61,065 445,623 131,545,652 453 110,323
45-54 54.5 2.8 51.1 369 57,026 290,623 62,657,436 677 111,562
55-64 52.8 2.6 38.6 424 31,596 120,592 16,223,130 804 81,836
65-74 52.6 2.6 57.7 421 49,361 35,367 3,909,009 800 85,615
75-89 67.9 4.8 77.0 196 36,707 4,516 811,320 289 47,671
90+ 0.0 0.0 0.0 0 0 1 75 0 12
Total 56.6 1.3 54.0 1,856 267,361 1,471,624 356,072,595 3,281 494,861
Ultimate Experience By Attained Age
15-19 80.7 57.0 36.9 2 67 7,554 557,760 2 182
20-29 69.7 24.6 77.0 8 521 29,225 1,737,695 11 677
30-39 62.1 13.6 85.4 21 2,001 55,239 3,798,499 34 2,343
40-49 62.5 5.1 52.8 151 12,179 188,349 17,807,844 242 23,083
50-59 57.1 2.8 54.4 430 37,753 277,811 25,908,497 753 69,371
60-69 55.6 2.0 59.8 760 51,842 184,855 12,317,433 1,367 86,719
70-79 51.2 1.5 44.8 1,114 40,659 93,013 3,928,645 2,177 90,782
80-89 68.1 1.4 58.9 2,243 77,335 48,157 1,890,021 3,292 131,189
90-99 82.2 2.9 78.4 822 33,174 6,199 262,917 1,000 42,301
100+ 48.1 17.0 90.4 8 1,153 33 3,189 17 1,275
Total 62.5 0.8 57.3 5,559 256,686 890,434 68,212,502 8,895 447,922
GRAND TOTAL 60.9 0.7 55.6 7,415 524,047 2,362,057 424,285,097 12,177 942,783

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 8.6     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 11.4 8.1 2.3 2 105 42,553 10,976,258 18 4,652
2 25.7 11.5 9.8 5 585 40,294 10,490,948 19 5,962
3 52.6 15.9 37.4 11 2,495 36,838 9,501,094 21 6,674
4 64.5 19.4 52.9 11 2,762 30,468 6,840,770 17 5,219
5 142.6 29.1 101.8 24 4,852 28,019 6,142,212 17 4,767
6-10 39.7 7.0 32.7 32 5,191 104,921 15,834,553 81 15,897
11-15 55.1 7.9 45.5 49 2,947 79,272 5,870,345 89 6,477
Total 51.3 4.4 38.1 134 18,937 362,365 65,656,181 261 49,647
Select Experience By Issue Age
0-4 22.3 9.1 22.6 6 462 140,675 10,677,516 27 2,046
5-14 54.1 19.1 23.2 8 358 69,419 7,510,910 15 1,548
15-24 42.4 24.5 25.9 3 259 21,297 3,426,265 7 1,001
25-34 62.2 16.1 69.4 15 4,770 48,247 16,432,490 24 6,875
35-44 35.7 8.4 28.9 18 4,403 48,843 17,694,199 50 15,234
45-54 41.1 8.4 28.8 24 4,228 26,603 8,386,431 58 14,693
55-64 52.5 12.0 46.1 19 2,637 5,944 1,392,545 36 5,716
65-74 88.1 17.3 67.5 26 1,340 1,155 127,219 30 1,986
75-89 108.2 27.9 87.5 15 479 183 8,601 14 547
90+ 111.9 0 1 0 3 0 0
Total 51.3 4.4 38.1 134 18,937 362,365 65,656,181 261 49,647
Ultimate Experience By Attained Age
15-19 53.7 21.9 67.9 6 384 35,466 1,797,493 11 566
20-29 62.8 12.1 59.0 27 1,097 111,699 4,872,510 43 1,861
30-39 72.7 10.0 89.8 53 1,809 101,148 2,849,890 73 2,015
40-49 63.1 5.9 52.3 114 3,007 98,262 3,039,309 181 5,745
50-59 77.0 3.2 61.1 565 12,957 181,253 5,409,726 733 21,202
60-69 70.7 2.0 63.1 1,253 18,375 181,975 3,152,221 1,773 29,138
70-79 77.0 1.5 69.6 2,513 20,694 120,631 1,141,724 3,263 29,724
80-89 82.0 1.1 85.5 5,343 34,804 88,344 562,391 6,520 40,728
90-99 74.6 1.3 75.0 3,077 14,125 22,695 106,648 4,125 18,846
100+ 18.2 1.4 54.2 173 1,191 1,558 4,021 948 2,197
Total 74.3 0.6 71.3 13,124 108,443 943,030 22,935,933 17,670 152,020
GRAND TOTAL 73.9 0.6 63.2 13,258 127,379 1,305,395 88,592,114 17,931 201,668

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.1     TOTAL EXPERIENCE -- WHOLE LIFE
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 40.6 9.3 15.1 19 1,052 71,634 11,610,327 47 6,980
2 87.1 12.2 58.5 51 4,768 64,424 10,252,534 59 8,148
3 103.1 13.3 48.8 60 4,026 52,875 8,814,076 58 8,255
4 77.2 10.8 32.1 51 2,596 49,845 6,743,460 66 8,088
5 72.5 10.1 66.3 52 5,732 46,516 7,073,122 72 8,652
6-10 67.7 3.9 53.4 305 28,000 209,486 26,599,765 450 52,434
11-15 62.2 2.3 50.0 716 39,657 254,410 20,876,235 1,151 79,322
Total 65.9 1.9 49.9 1,254 85,830 749,191 91,969,519 1,903 171,879
Select Experience By Issue Age
0-4 25.1 8.0 21.3 10 564 160,008 10,983,736 40 2,650
5-29 60.2 6.3 48.1 91 7,653 264,699 29,383,998 151 15,899
30-44 63.9 4.9 50.2 171 19,309 175,447 32,018,945 267 38,483
45-59 65.0 3.1 50.0 441 31,194 113,847 16,613,554 678 62,382
60-74 68.6 3.2 52.8 454 23,607 33,253 2,814,160 662 44,687
75-89 83.4 9.0 44.4 86 3,418 1,933 154,778 103 7,696
90-120 97.2 97.2 105.0 1 85 5 350 1 81
Total 65.9 1.9 49.9 1,254 85,830 749,191 91,969,519 1,903 171,879
Ultimate Experience By Attained Age
15-29 64.6 5.4 57.8 143 5,872 331,894 15,556,956 221 10,153
30-44 71.9 3.5 60.1 425 14,415 490,934 19,970,389 591 23,982
45-59 65.7 1.2 52.6 3,015 119,295 1,029,676 54,200,653 4,588 226,960
60-74 60.0 0.6 49.6 10,543 260,813 970,834 32,122,540 17,562 525,601
75-89 72.6 0.5 64.5 25,923 376,923 489,940 8,262,014 35,711 583,978
90-120 64.5 0.7 77.5 8,257 80,789 55,987 506,721 12,802 104,278
Total 67.6 0.3 58.2 48,306 858,108 3,369,265 130,619,273 71,476 1,474,952
GRAND TOTAL 67.5 0.3 57.3 49,560 943,938 4,118,456 222,588,792 73,379 1,646,831

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.2     TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 60.3 8.9 61.1 46 18,925 93,753 43,530,235 76 30,979
2 43.2 6.4 55.7 45 22,830 88,120 40,002,675 104 40,993
3 57.1 6.7 47.7 73 23,200 86,421 37,479,049 128 48,643
4 57.4 6.8 45.9 72 21,445 72,147 30,709,598 125 46,763
5 55.5 6.6 43.9 71 21,520 65,304 28,045,367 128 49,053
6-10 56.8 2.6 52.3 473 133,668 286,681 99,311,666 833 255,515
11-15 85.7 4.6 90.9 350 70,886 106,447 22,748,784 409 77,949
Total 62.7 1.9 56.8 1,130 312,474 798,874 301,827,374 1,803 549,895
Select Experience By Issue Age
0-4 127.3 127.3 72.7 1 50 3,207 277,768 1 69
5-29 59.6 9.5 51.3 39 9,088 108,460 31,630,975 65 17,730
30-44 64.5 3.7 57.0 309 97,096 371,100 157,906,439 479 170,205
45-59 62.1 2.6 58.9 588 171,528 281,607 103,529,827 947 291,255
60-74 62.3 4.5 49.6 193 34,710 34,481 8,465,305 310 69,943
75-89 0.0 0.0 0.0 0 0 19 17,060 1 694
90-120 0 0 0 0 0 0
Total 62.7 1.9 56.8 1,130 312,474 798,874 301,827,374 1,803 549,895
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 227 12,484 0 8
30-44 72.2 22.8 91.1 10 1,785 9,950 1,405,749 14 1,959
45-59 67.2 5.0 60.8 182 26,749 66,611 11,191,151 271 43,965
60-74 69.2 4.5 57.1 233 26,305 24,700 3,501,009 337 46,067
75-89 69.4 20.9 35.2 11 665 349 41,499 16 1,888
90-120 0.0 0.0 0.0 0 0 1 25 1 25
Total 68.3 3.3 59.1 436 55,504 101,838 16,151,918 638 93,913
GRAND TOTAL 64.2 1.6 57.2 1,566 367,978 900,712 317,979,292 2,441 643,808

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.3     TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 33.1 8.6 20.0 15 3,527 86,373 36,576,114 45 17,609
2 49.6 9.5 56.0 27 11,360 75,035 30,441,184 54 20,303
3 59.2 9.9 46.5 36 10,007 69,912 26,959,020 61 21,531
4 56.3 9.1 47.0 38 11,156 66,631 25,635,556 68 23,729
5 80.4 10.6 70.9 58 17,070 60,982 22,583,993 72 24,071
6-10 53.3 3.7 53.7 204 58,221 211,553 66,110,840 383 108,474
11-15 57.7 4.1 50.9 198 37,557 93,637 21,605,331 343 73,719
Total 56.1 2.3 51.4 576 148,898 664,122 229,912,037 1,026 289,436
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,681 268,007 1 67
5-29 54.7 9.8 40.5 31 6,330 108,445 31,264,642 57 15,630
30-44 56.2 3.7 53.3 234 75,776 391,759 152,515,303 417 142,223
45-59 55.1 3.4 49.2 265 59,388 153,165 44,770,694 481 120,817
60-74 64.8 9.6 69.2 46 7,404 7,066 1,093,091 71 10,694
75-89 0.0 0.0 0.0 0 0 6 300 0 4
90-120 0 0 0 0 0 0
Total 56.1 2.3 51.4 576 148,898 664,122 229,912,037 1,026 289,436
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 125 2,950 0 2
30-44 51.0 36.1 37.5 2 202 2,835 391,256 4 539
45-59 45.7 7.5 39.1 37 5,471 21,448 3,771,906 81 13,988
60-74 56.2 7.7 66.0 53 9,445 7,337 1,141,239 94 14,302
75-89 33.5 11.9 17.5 8 385 414 38,866 24 2,204
90-120 0 0 0 0 0 0
Total 49.2 4.9 50.0 100 15,503 32,160 5,346,217 203 31,035
GRAND TOTAL 55.0 2.1 51.3 676 164,401 696,282 235,258,254 1,229 320,471

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.4     TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 36.9 16.5 19.1 5 750 25,327 6,609,746 14 3,933
2 17.3 10.0 5.2 3 300 24,856 6,795,275 17 5,760
3 56.5 17.0 59.9 11 3,610 22,768 6,372,631 19 6,022
4 58.8 16.3 41.2 13 2,700 22,365 6,484,730 22 6,554
5 61.3 14.9 47.9 17 3,787 23,896 6,793,570 28 7,911
6-10 58.7 5.8 61.3 102 28,160 91,540 24,144,661 174 45,967
11-15 55.0 4.1 37.2 176 19,298 93,554 14,878,930 320 51,844
Total 55.1 3.0 45.8 327 58,605 304,306 72,079,542 594 127,991
Select Experience By Issue Age
0-4 14.7 14.7 13.5 1 104 27,369 3,263,287 7 771
5-29 64.6 10.6 53.2 37 5,766 99,143 19,485,149 57 10,843
30-44 63.1 6.4 46.4 98 18,139 117,721 33,109,786 155 39,084
45-59 52.1 4.7 33.3 124 17,495 52,728 14,466,935 238 52,559
60-74 48.2 6.4 74.1 57 15,557 7,023 1,665,368 118 21,002
75-89 54.7 17.3 41.3 10 1,543 323 89,018 18 3,731
90-120 0 0 0 0 0 0
Total 55.1 3.0 45.8 327 58,605 304,306 72,079,542 594 127,991
Ultimate Experience By Attained Age
15-29 83.0 16.0 86.8 27 1,586 49,203 2,776,919 33 1,827
30-44 79.3 13.2 74.4 36 2,338 37,121 2,602,263 45 3,144
45-59 51.2 4.0 45.1 160 14,869 77,443 8,287,982 312 32,989
60-74 57.4 3.1 54.0 353 32,983 42,537 4,362,533 615 61,053
75-89 63.7 3.7 85.1 303 36,526 7,572 648,607 475 42,925
90-120 79.6 11.7 59.1 46 1,698 329 17,229 58 2,874
Total 60.1 2.0 62.1 925 90,000 214,204 18,695,531 1,539 144,812
GRAND TOTAL 58.7 1.7 54.5 1,252 148,605 518,510 90,775,073 2,133 272,804

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.5     TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 50.8 11.4 19.8 20 1,303 56,211 9,190,517 39 6,585
2 73.2 10.9 67.9 45 7,939 64,167 10,951,680 61 11,687
3 58.1 8.5 69.5 47 11,353 70,895 13,079,689 81 16,323
4 58.1 8.1 42.3 52 6,265 69,030 11,121,423 90 14,811
5 51.6 7.2 39.3 51 7,106 67,027 11,509,575 99 18,086
6-10 61.0 2.9 44.8 433 54,077 270,390 42,671,093 710 120,712
11-15 53.5 1.8 41.4 853 94,271 278,002 38,142,419 1,594 227,758
Total 56.1 1.4 43.8 1,501 182,314 875,722 136,666,397 2,674 415,961
Select Experience By Issue Age
0-4 75.7 23.9 66.8 10 644 56,671 4,147,295 13 964
5-29 59.2 6.2 75.2 90 14,915 256,003 33,894,114 152 19,841
30-44 53.8 3.3 44.7 261 37,385 336,068 62,332,423 485 83,693
45-59 55.1 2.4 32.9 507 42,566 177,946 28,786,404 920 129,241
60-74 54.5 2.4 38.8 502 52,526 46,255 6,743,723 921 135,211
75-89 71.8 6.3 72.9 131 34,278 2,778 762,438 182 47,012
90-120 0 0 0 0 0 0
Total 56.1 1.4 43.8 1,501 182,314 875,722 136,666,397 2,674 415,961
Ultimate Experience By Attained Age
15-29 56.0 21.2 22.7 7 145 19,522 981,265 13 640
30-44 60.8 11.7 49.4 27 2,360 35,401 3,759,596 44 4,780
45-59 47.8 3.5 33.1 190 21,065 102,308 16,476,673 398 63,692
60-74 45.1 2.4 36.9 348 45,239 54,346 8,680,080 772 122,645
75-89 52.8 3.3 57.2 264 48,398 8,372 1,392,214 500 84,569
90-120 68.1 12.4 60.4 30 3,367 266 33,190 44 5,572
Total 48.9 1.7 42.8 866 120,574 220,214 31,323,018 1,770 281,899
GRAND TOTAL 53.3 1.1 43.4 2,367 302,888 1,095,937 167,989,414 4,444 697,860

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 9.6     TOTAL EXPERIENCE -- TERM TO 100
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 31.1 10.4 28.8 9 3,085 38,144 18,741,951 29 10,720
2 44.5 10.5 25.3 18 3,845 37,538 18,520,183 40 15,182
3 37.7 8.2 17.0 21 3,470 41,157 20,244,109 56 20,454
4 22.7 5.9 16.0 15 3,430 39,719 17,807,909 66 21,450
5 33.0 6.6 28.1 25 6,964 39,690 17,186,340 76 24,807
6-10 38.9 2.5 23.9 235 30,367 166,552 55,393,316 604 126,896
11-15 56.2 2.5 48.5 514 34,090 98,477 11,366,468 914 70,307
Total 46.9 1.6 29.4 837 85,252 461,277 159,260,276 1,785 289,817
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8,185 286,513 2 57
5-29 17.3 6.5 10.5 7 1,010 65,760 17,920,586 40 9,607
30-44 34.6 3.7 25.6 86 22,600 211,537 95,081,045 248 88,281
45-59 41.2 2.6 24.0 243 27,636 138,268 41,672,285 590 115,335
60-74 52.9 2.6 45.2 408 27,361 35,912 4,109,422 772 60,524
75-89 70.0 7.3 41.5 93 6,644 1,614 190,425 133 16,012
90-120 0 0 0 0 0 0
Total 46.9 1.6 29.4 837 85,252 461,277 159,260,276 1,785 289,817
Ultimate Experience By Attained Age
15-29 20.6 14.6 40.8 2 110 14,934 432,987 10 270
30-44 79.3 14.5 68.1 30 1,685 30,302 1,926,808 38 2,473
45-59 50.1 3.0 42.5 273 23,346 127,786 13,413,944 545 54,949
60-74 54.3 1.7 43.5 1,032 68,822 112,685 9,993,118 1,901 158,303
75-89 62.7 1.3 47.7 2,403 131,498 56,416 3,960,995 3,831 275,815
90-120 78.1 3.4 80.5 526 42,401 3,670 280,444 674 52,693
Total 61.0 0.9 49.2 4,266 267,861 345,794 30,008,297 6,998 544,504
GRAND TOTAL 58.1 0.8 42.3 5,103 353,113 807,071 189,268,573 8,783 834,320

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.1     TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 38.5 27.2 26.3 2 565 4,238 2,044,785 5 2,147
2 44.9 25.9 19.7 3 550 3,960 1,884,578 7 2,794
3 34.7 20.1 32.8 3 1,175 4,249 2,014,470 9 3,585
4 51.3 22.9 69.4 5 2,452 4,025 1,697,602 10 3,532
5 77.5 27.4 51.1 8 2,225 3,737 1,717,094 10 4,351
6-10 40.9 7.7 30.8 28 7,152 14,343 5,383,803 68 23,234
11-15 49.7 11.7 48.1 18 3,543 5,164 1,125,564 36 7,370
Total 46.1 5.6 37.6 67 17,662 39,715 15,867,896 145 47,012
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 1 609 0 0
15-24 95.4 67.5 120.5 2 619 2,008 542,244 2 513
25-34 40.5 15.3 34.1 7 2,200 13,240 5,467,706 17 6,447
35-44 36.0 9.3 37.0 15 5,958 14,458 6,506,712 42 16,105
45-54 45.3 8.7 35.6 27 6,450 8,433 2,925,362 60 18,114
55-64 69.3 17.9 45.2 15 2,415 1,475 408,956 22 5,339
65-74 33.8 33.8 4.2 1 21 98 16,258 3 493
75-89 0.0 0.0 0.0 0 0 1 50 0 2
90+ 0 0 0 0 0 0
Total 46.1 5.6 37.6 67 17,662 39,715 15,867,896 145 47,012
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0 0 0 0 0 0
30-39 0.0 0.0 0.0 0 0 1 15 0 0
40-49 0.0 0.0 0.0 0 0 1 50 0 0
50-59 0 0 0 0 0 0
60-69 0 0 0 0 0 0
70-79 0 0 0 0 0 0
80-89 0 0 0 0 0 0
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 2 65 0 0
GRAND TOTAL 46.1 5.6 37.6 67 17,662 39,717 15,867,961 145 47,013

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.2     TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 53.7 17.9 25.3 9 1,120 12,819 4,088,954 17 4,421
2 85.3 20.1 123.5 18 6,310 11,042 3,320,269 21 5,108
3 53.9 15.6 29.1 12 1,437 9,695 2,632,917 22 4,943
4 54.4 15.1 45.0 13 2,210 8,816 2,236,539 24 4,913
5 60.2 15.0 94.5 16 5,059 8,754 2,147,128 27 5,352
6-10 45.2 5.2 56.5 75 17,141 36,111 7,602,292 166 30,325
11-15 50.9 6.6 60.6 59 6,315 17,022 1,721,877 116 10,421
Total 51.5 3.6 60.5 202 39,592 104,259 23,749,977 392 65,483
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 195 5,981 0 4
5-14 53.6 26.8 255.1 4 1,050 9,089 508,243 7 412
15-24 76.3 28.8 63.1 7 718 9,025 1,214,254 9 1,137
25-34 46.7 11.3 58.6 17 5,295 29,722 7,978,820 36 9,033
35-44 45.4 7.3 48.2 39 10,126 30,159 8,993,269 86 20,999
45-54 51.3 6.1 63.7 72 15,465 19,989 4,330,814 140 24,272
55-64 48.6 7.5 71.4 42 5,969 5,343 677,396 86 8,360
65-74 78.4 17.5 75.0 20 919 720 40,743 26 1,225
75-89 78.7 78.7 123.4 1 50 17 456 1 41
90+ 0 0 0 0 0 0
Total 51.5 3.6 60.5 202 39,592 104,259 23,749,977 392 65,483
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 1,885 0 2
20-29 432.3 432.3 332.1 1 50 233 15,203 0 15
30-39 0.0 0.0 0.0 0 0 80 4,574 0 8
40-49 96.2 96.2 85.1 1 100 236 26,608 1 117
50-59 28.2 19.9 55.7 2 501 594 76,978 7 900
60-69 48.1 17.0 44.5 8 666 536 49,656 17 1,497
70-79 93.6 31.2 224.0 9 1,295 145 8,903 10 578
80-89 0.0 0.0 0.0 0 0 5 215 1 28
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 59.3 12.9 83.1 21 2,613 1,857 184,020 35 3,146
GRAND TOTAL 52.1 3.5 61.5 223 42,204 106,116 23,933,997 428 68,629

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.3     TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 59.4 24.2 34.6 6 485 6,717 1,203,434 10 1,399
2 98.1 24.5 56.9 16 1,068 7,264 1,165,867 16 1,877
3 91.7 21.0 44.5 19 1,196 7,318 1,329,379 21 2,690
4 62.8 16.2 29.1 15 881 7,736 1,354,657 24 3,031
5 62.9 15.3 57.0 17 2,157 7,633 1,414,506 27 3,786
6-10 66.7 5.5 55.4 148 14,774 41,194 6,324,604 222 26,647
11-15 58.4 3.2 50.6 335 23,411 63,231 6,154,017 574 46,262
Total 62.2 2.6 51.3 556 43,971 141,093 18,946,465 894 85,693
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,546 128,960 2 93
5-14 84.6 28.2 27.6 9 192 12,139 819,344 11 698
15-24 111.0 21.4 112.5 27 2,760 20,523 2,210,854 24 2,453
25-34 51.0 8.9 42.0 33 4,104 34,534 5,725,152 65 9,762
35-44 50.6 5.2 42.0 94 11,085 37,062 6,345,668 186 26,379
45-54 60.7 4.5 46.8 178 13,441 24,472 3,013,689 293 28,690
55-64 66.1 5.5 61.4 144 8,387 8,084 630,502 218 13,653
65-74 70.7 9.0 95.9 62 3,571 1,641 69,276 88 3,725
75-89 118.2 39.4 180.1 9 431 92 3,020 8 239
90+ 0 0 0 0 0 0
Total 62.2 2.6 51.3 556 43,971 141,093 18,946,465 894 85,693
Ultimate Experience By Attained Age
15-19 68.5 28.0 95.9 6 389 10,829 502,762 9 406
20-29 75.6 14.8 73.2 26 1,034 34,570 1,422,020 34 1,413
30-39 63.5 9.7 57.7 43 1,701 38,905 1,679,646 68 2,947
40-49 55.5 5.2 52.8 113 8,080 49,072 3,570,146 203 15,293
50-59 54.8 2.3 49.8 569 40,128 88,838 6,989,760 1,039 80,622
60-69 56.6 1.8 51.4 1,042 53,087 60,161 3,510,793 1,842 103,244
70-79 60.7 1.8 61.1 1,157 39,250 26,587 920,258 1,907 64,278
80-89 70.0 2.4 77.4 880 21,670 8,940 199,390 1,257 27,991
90-99 71.7 6.0 72.7 145 1,897 809 10,724 202 2,610
100+ 13.3 6.6 1.5 4 3 46 198 30 166
Total 60.5 1.0 55.9 3,985 167,240 318,756 18,805,696 6,591 298,969
GRAND TOTAL 60.7 0.9 54.9 4,541 211,211 459,849 37,752,161 7,485 384,662

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.4     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 43.0 12.4 24.6 12 3,931 40,356 25,252,351 28 15,948
2 46.7 11.3 49.6 17 10,315 38,061 23,743,604 36 20,793
3 46.2 9.8 32.2 22 8,540 40,507 24,817,860 48 26,530
4 37.7 8.4 29.3 20 7,866 38,222 21,526,874 53 26,888
5 48.1 9.1 45.4 28 13,750 36,995 20,329,038 58 30,298
6-10 38.7 3.1 35.5 151 61,550 152,479 73,944,838 391 173,220
11-15 51.3 5.0 41.5 105 26,593 53,559 17,588,055 205 64,078
Total 43.4 2.3 37.0 355 132,544 400,179 207,202,621 818 357,754
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 27 4,825 0 3
5-14 0.0 0.0 0.0 0 0 493 120,739 0 105
15-24 32.0 16.0 18.4 4 705 16,427 5,324,552 12 3,841
25-34 40.1 6.9 35.9 34 14,567 106,262 54,130,620 85 40,570
35-44 41.6 4.6 35.6 81 35,927 148,630 86,472,644 195 100,871
45-54 46.2 4.1 40.8 126 48,941 96,544 48,541,835 272 120,016
55-64 40.4 4.5 36.2 79 25,052 28,657 11,449,018 195 69,152
65-74 54.2 10.2 36.4 28 6,627 3,027 1,073,615 52 18,184
75-89 45.4 26.2 14.5 3 725 112 84,772 7 5,013
90+ 0 0 0 0 0 0
Total 43.4 2.3 37.0 355 132,544 400,179 207,202,621 818 357,754
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 2 350 0 0
30-39 0.0 0.0 0.0 0 0 9 1,478 0 2
40-49 0.0 0.0 0.0 0 0 206 43,143 0 86
50-59 46.8 46.8 78.6 1 400 497 117,040 2 509
60-69 40.6 40.6 14.9 1 100 223 55,637 2 670
70-79 0.0 0.0 0.0 0 0 30 6,448 1 197
80-89 0.0 0.0 0.0 0 0 1 225 0 19
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 33.6 23.7 33.7 2 500 968 224,321 6 1,482
GRAND TOTAL 43.3 2.3 37.0 357 133,044 401,147 207,426,941 824 359,237

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.5     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 53.8 10.5 71.6 26 14,500 60,703 28,988,198 48 20,243
2 50.7 9.1 78.7 31 19,260 52,984 24,215,185 61 24,487
3 49.9 8.6 43.8 34 10,764 47,908 20,155,900 68 24,553
4 52.5 8.5 43.2 38 10,139 43,384 16,603,214 72 23,490
5 52.5 8.2 44.0 41 11,132 40,962 15,527,797 78 25,274
6-10 51.0 3.2 49.2 253 66,776 158,084 51,463,892 496 135,592
11-15 65.0 4.9 80.3 179 34,130 50,519 10,018,974 275 42,518
Total 54.8 2.2 56.3 602 166,701 454,545 166,973,161 1,099 296,157
Select Experience By Issue Age
0-4 3371.9 3371.9 2998.0 1 50 43 2,408 0 2
5-14 0.0 0.0 0.0 0 0 3,317 422,309 3 347
15-24 44.2 12.7 60.9 12 2,190 36,176 5,038,120 27 3,599
25-34 53.6 8.4 64.3 41 16,497 102,148 36,227,592 76 25,665
35-44 53.5 5.6 51.0 90 34,292 139,869 64,186,865 168 67,174
45-54 53.9 4.2 62.7 166 64,300 113,753 45,790,026 308 102,477
55-64 56.5 4.1 52.3 194 40,092 49,941 13,866,526 344 76,712
65-74 58.1 6.1 50.0 90 9,061 8,971 1,401,255 155 18,136
75-89 43.1 15.2 10.7 8 219 327 38,060 19 2,046
90+ 0 0 0 0 0 0
Total 54.8 2.2 56.3 602 166,701 454,545 166,973,161 1,099 296,157
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 47 3,223 0 3
20-29 0.0 0.0 0.0 0 0 151 9,844 0 10
30-39 264.7 264.7 84.6 1 25 327 25,574 0 30
40-49 47.8 47.8 14.3 1 51 1,062 179,313 2 356
50-59 52.7 19.9 23.7 7 600 2,870 549,081 13 2,531
60-69 59.4 11.9 58.1 25 3,670 3,323 513,790 42 6,319
70-79 58.2 10.6 67.0 30 4,104 1,508 185,722 52 6,125
80-89 44.4 19.8 29.9 5 426 137 16,853 11 1,427
90-99 0.0 0.0 0.0 0 0 2 78 1 17
100+ 0 0 0 0 0 0
Total 56.9 6.8 52.8 69 8,876 9,428 1,483,478 121 16,817
GRAND TOTAL 55.0 2.1 56.1 671 175,577 463,973 168,456,639 1,221 312,974

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.6     TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 78.9 16.8 34.7 22 1,973 31,012 7,566,125 28 5,684
2 69.4 12.5 25.9 31 2,447 34,950 8,687,595 45 9,457
3 76.1 11.5 64.4 44 8,432 35,653 9,889,493 58 13,097
4 71.8 10.3 43.7 49 7,733 35,783 11,185,004 68 17,688
5 55.8 8.5 43.2 43 8,376 34,488 11,165,080 77 19,387
6-10 63.1 3.3 47.8 374 55,262 176,359 43,406,234 592 115,713
11-15 55.9 1.9 41.4 886 98,923 238,698 44,304,884 1,586 239,210
Total 59.0 1.6 43.6 1,449 183,146 586,943 136,204,415 2,454 420,235
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 554 52,790 0 38
5-14 44.9 31.7 67.7 2 342 4,935 565,900 4 506
15-24 68.1 11.2 55.5 37 4,143 63,598 9,097,224 54 7,460
25-34 58.1 6.2 49.1 88 16,521 149,407 34,286,777 151 33,620
35-44 61.3 4.2 51.7 212 46,380 173,857 50,939,453 346 89,762
45-54 56.4 3.1 46.0 322 53,488 121,560 29,959,745 571 116,167
55-64 56.7 2.9 37.1 386 34,471 55,212 9,122,848 681 92,890
65-74 59.5 3.3 34.4 325 21,009 16,444 1,925,813 546 61,026
75-89 76.8 8.8 35.9 76 6,708 1,372 253,589 99 18,698
90+ 115.9 115.9 124.1 1 85 4 275 1 68
Total 59.0 1.6 43.6 1,449 183,146 586,943 136,204,415 2,454 420,235
Ultimate Experience By Attained Age
15-19 62.8 31.4 66.5 4 313 7,673 566,300 6 470
20-29 65.5 15.0 53.8 19 930 29,150 1,739,407 29 1,727
30-39 74.9 10.9 61.0 47 2,738 54,268 3,878,098 63 4,490
40-49 58.5 4.1 50.8 202 20,802 180,491 20,861,151 345 40,919
50-59 48.8 1.9 40.1 687 77,942 318,654 44,100,057 1,406 194,462
60-69 49.5 1.3 42.8 1,347 139,773 225,437 27,652,415 2,724 326,671
70-79 50.4 1.1 44.2 1,954 142,926 104,817 9,018,382 3,880 323,704
80-89 63.5 1.2 53.2 2,649 154,648 43,214 3,049,700 4,174 290,679
90-99 79.3 3.2 81.1 599 39,214 3,733 236,510 755 48,323
100+ 13.9 9.8 11.0 2 123 26 2,452 14 1,115
Total 56.1 0.6 47.0 7,510 579,407 967,462 111,104,472 13,397 1,232,561
GRAND TOTAL 56.5 0.6 46.1 8,959 762,553 1,554,405 247,308,886 15,851 1,652,796

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.7     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 53.7 53.7 25.7 1 150 2,369 894,471 2 584
2 36.3 36.3 11.5 1 100 2,273 885,613 3 870
3 28.5 28.5 22.4 1 250 2,467 912,656 4 1,114
4 50.7 35.8 71.7 2 900 2,390 837,450 4 1,255
5 45.7 32.3 51.8 2 700 2,288 799,594 4 1,350
6-10 49.3 13.7 35.6 13 2,563 8,746 2,542,173 26 7,197
11-15 32.4 14.5 45.8 5 1,150 3,700 614,488 15 2,510
Total 42.9 8.6 39.1 25 5,813 24,233 7,486,445 58 14,881
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 2 600 0 0
15-24 123.8 123.8 151.0 1 250 1,773 423,915 1 166
25-34 42.0 24.2 31.4 3 650 8,373 2,864,314 7 2,069
35-44 35.4 14.5 54.7 6 2,670 7,862 2,640,275 17 4,881
45-54 32.0 12.1 21.6 7 1,050 5,169 1,313,107 22 4,857
55-64 64.1 28.6 37.9 5 668 924 209,608 8 1,764
65-74 31.8 31.8 11.5 1 75 122 27,220 3 650
75-89 413.5 292.4 90.8 2 450 8 7,407 0 495
90+ 0 0 0 0 0 0
Total 42.9 8.6 39.1 25 5,813 24,233 7,486,445 58 14,881
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0 0 0 0 0 0
30-39 0 0 0 0 0 0
40-49 0 0 0 0 0 0
50-59 0 0 0 0 0 0
60-69 0 0 0 0 0 0
70-79 0 0 0 0 0 0
80-89 0 0 0 0 0 0
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0 0 0 0 0 0
GRAND TOTAL 42.9 8.6 39.1 25 5,813 24,233 7,486,445 58 14,881

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.8     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 40.7 23.5 25.6 3 325 8,071 1,767,660 7 1,270
2 52.0 23.2 24.3 5 395 7,257 1,537,658 10 1,623
3 89.0 28.2 88.7 10 1,587 6,865 1,276,716 11 1,790
4 67.5 23.9 45.6 8 761 6,466 1,150,782 12 1,670
5 110.7 29.6 68.9 14 1,210 6,369 1,065,606 13 1,756
6-10 67.0 9.0 60.2 55 5,667 28,266 3,909,596 82 9,410
11-15 91.3 11.8 80.7 60 3,072 16,081 1,086,754 66 3,806
Total 77.3 6.2 61.0 155 13,016 79,374 11,794,773 200 21,326
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 202 6,912 0 2
5-14 38.2 38.2 68.0 1 100 8,419 477,905 3 147
15-24 26.1 26.1 13.5 1 50 8,901 976,027 4 370
25-34 48.1 17.0 78.8 8 2,190 21,194 4,121,408 17 2,780
35-44 62.8 11.9 51.3 28 3,422 19,911 3,671,957 45 6,669
45-54 74.5 10.4 50.2 51 3,763 15,253 2,096,466 68 7,495
55-64 100.5 14.8 98.5 46 2,903 4,702 399,080 46 2,947
65-74 104.1 24.5 73.3 18 569 764 39,740 17 777
75-89 162.5 114.9 14.3 2 20 27 5,278 1 140
90+ 0 0 0 0 0 0
Total 77.3 6.2 61.0 155 13,016 79,374 11,794,773 200 21,326
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 23 1,921 0 1
20-29 0.0 0.0 0.0 0 0 221 14,182 0 5
30-39 0.0 0.0 0.0 0 0 50 3,678 0 3
40-49 0.0 0.0 0.0 0 0 191 17,900 1 53
50-59 137.5 68.7 51.9 4 134 437 39,347 3 258
60-69 45.6 32.3 34.9 2 75 291 14,744 4 215
70-79 234.7 95.8 145.5 6 141 79 2,900 3 97
80-89 232.7 232.7 110.1 1 8 5 100 0 7
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 118.2 32.8 55.9 13 358 1,298 94,772 11 640
GRAND TOTAL 79.4 6.1 60.9 168 13,374 80,672 11,889,545 212 21,966

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.9     TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 72.6 36.3 54.2 4 276 4,612 586,920 6 509
2 110.0 34.8 69.1 10 637 5,352 670,585 9 921
3 93.9 28.3 84.2 11 1,000 5,712 746,473 12 1,187
4 113.9 28.5 126.6 16 1,585 6,178 768,631 14 1,252
5 48.7 17.2 42.6 8 678 6,175 854,206 16 1,593
6-10 86.4 8.5 67.9 104 7,552 33,681 4,029,947 120 11,125
11-15 87.1 5.1 75.3 293 15,506 59,048 4,373,846 336 20,579
Total 86.9 4.1 73.3 446 27,234 120,760 12,030,608 513 37,167
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,426 127,676 1 39
5-14 132.8 59.4 97.2 5 250 11,396 795,896 4 257
15-24 59.5 24.3 64.9 6 563 18,000 1,707,757 10 867
25-34 49.4 11.6 49.7 18 2,102 26,066 3,446,464 36 4,229
35-44 92.6 9.5 89.4 95 9,008 29,389 3,397,267 103 10,071
45-54 80.1 7.1 66.3 128 7,203 22,937 1,932,109 160 10,867
55-64 98.4 8.8 76.8 125 4,930 8,488 507,386 127 6,418
65-74 91.8 12.0 74.3 58 2,645 1,922 105,913 63 3,559
75-89 114.3 34.5 62.1 11 534 135 10,139 10 860
90+ 0 0 0 0 0 0
Total 86.9 4.1 73.3 446 27,234 120,760 12,030,608 513 37,167
Ultimate Experience By Attained Age
15-19 29.3 29.3 15.3 1 25 10,622 507,987 3 163
20-29 87.0 26.2 85.4 11 445 32,016 1,326,807 13 521
30-39 53.7 12.3 64.1 19 997 36,288 1,555,716 35 1,554
40-49 65.4 6.3 58.1 106 6,006 53,753 3,397,009 162 10,340
50-59 73.8 3.7 70.5 408 21,241 83,884 4,673,443 553 30,115
60-69 84.1 3.2 88.5 674 24,022 52,230 1,842,964 801 27,136
70-79 101.4 3.4 85.2 886 15,376 23,953 501,768 873 18,051
80-89 97.1 3.6 80.5 734 10,712 9,204 166,533 756 13,302
90-99 93.5 6.9 131.7 186 2,842 1,113 12,230 199 2,158
100+ 17.3 7.7 2.2 5 2 51 151 29 95
Total 88.5 1.6 79.0 3,030 81,667 303,115 13,984,607 3,425 103,435
GRAND TOTAL 88.3 1.5 77.5 3,476 108,902 423,874 26,015,215 3,938 140,602

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.10     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 0.0 0.0 1.5 0 100 39,037 19,486,179 15 6,574
2 33.1 12.5 16.2 7 1,577 36,590 17,965,059 21 9,764
3 53.1 14.2 64.4 14 7,475 38,662 18,282,927 26 11,615
4 44.3 12.3 24.8 13 2,745 37,096 16,034,209 29 11,055
5 29.0 9.7 22.0 9 2,694 35,290 15,039,125 31 12,223
6-10 47.1 4.9 39.7 91 25,489 135,017 48,602,713 193 64,166
11-15 66.4 7.6 65.4 76 16,917 49,167 11,321,854 115 25,877
Total 48.7 3.4 40.3 210 56,998 370,858 146,732,067 431 141,275
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 6,920 0 2
5-14 0.0 0.0 0.0 0 0 487 111,713 0 36
15-24 53.0 30.6 82.0 3 1,250 19,872 5,903,219 6 1,524
25-34 34.0 7.8 27.7 19 5,800 126,490 52,853,632 56 20,946
35-44 68.0 7.6 53.1 79 23,520 134,434 58,595,819 116 44,274
45-54 40.9 5.7 35.0 52 13,027 70,662 24,037,124 127 37,182
55-64 48.1 8.3 24.2 34 4,051 16,132 4,268,338 71 16,772
65-74 33.4 9.6 32.9 12 3,920 2,350 762,885 36 11,898
75-89 56.2 16.9 62.8 11 5,430 387 192,417 20 8,641
90+ 0 0 0 0 0 0
Total 48.7 3.4 40.3 210 56,998 370,858 146,732,067 431 141,275
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 4 600 0 0
30-39 0.0 0.0 0.0 0 0 21 3,457 0 2
40-49 405.3 405.3 248.8 1 100 185 29,929 0 40
50-59 97.2 97.2 62.9 1 100 383 59,751 1 159
60-69 0.0 0.0 0.0 0 0 128 22,383 1 149
70-79 0.0 0.0 0.0 0 0 3 700 0 13
80-89 0.0 0.0 0.0 0 0 1 250 0 14
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 89.0 62.9 52.9 2 200 726 117,070 2 378
GRAND TOTAL 48.9 3.4 40.4 212 57,198 371,584 146,849,136 433 141,652

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.11     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 51.5 12.9 63.3 16 4,632 59,785 17,917,929 31 7,314
2 46.5 11.0 39.6 18 3,350 51,234 14,687,562 39 8,468
3 73.1 12.9 62.6 32 5,450 47,154 12,376,026 44 8,704
4 59.6 11.3 63.9 28 5,665 43,858 10,918,175 47 8,864
5 75.3 12.4 73.5 37 6,598 41,080 9,684,350 49 8,979
6-10 70.5 4.7 78.7 223 35,518 154,173 31,328,631 316 45,127
11-15 66.9 5.8 81.5 133 12,347 50,390 6,012,490 199 15,150
Total 67.2 3.0 71.7 487 73,559 447,674 102,925,162 725 102,607
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 34 1,718 0 1
5-14 0.0 0.0 0.0 0 0 3,122 390,416 1 120
15-24 70.4 24.9 77.8 8 1,076 41,641 5,495,268 11 1,383
25-34 68.0 11.7 62.6 34 7,430 127,158 32,785,758 50 11,864
35-44 60.5 7.6 47.1 64 12,290 129,886 37,166,116 106 26,089
45-54 69.8 6.5 80.5 117 24,213 93,649 20,425,459 168 30,077
55-64 59.7 5.6 44.2 115 9,167 40,908 5,787,577 193 20,743
65-74 76.0 7.1 187.9 116 17,630 10,344 804,060 153 9,384
75-89 74.7 13.0 59.5 33 1,754 933 68,790 44 2,947
90+ 0 0 0 0 0 0
Total 67.2 3.0 71.7 487 73,559 447,674 102,925,162 725 102,607
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 47 3,471 0 1
20-29 0.0 0.0 0.0 0 0 122 9,190 0 4
30-39 0.0 0.0 0.0 0 0 263 20,821 0 13
40-49 0.0 0.0 0.0 0 0 1,084 130,076 1 173
50-59 107.1 40.5 108.5 7 780 2,333 261,798 7 719
60-69 34.0 15.2 56.6 5 670 1,996 168,443 15 1,183
70-79 67.3 21.3 39.0 10 361 693 42,742 15 926
80-89 112.4 42.5 246.4 7 950 100 5,923 6 386
90-99 75.2 75.2 59.7 1 38 8 405 1 63
100+ 0 0 0 0 0 0
Total 66.2 12.1 80.7 30 2,798 6,645 642,870 45 3,466
GRAND TOTAL 67.1 3.0 72.0 517 76,357 454,319 103,568,031 770 106,073

Thomson Data Analysis Tue Jun 16 14:25:17 2015


TABLE 10.12     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 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 30.8 11.6 15.6 7 600 36,851 7,053,094 23 3,856
2 63.0 13.1 64.6 23 3,634 41,442 7,496,182 36 5,629
3 61.6 11.4 86.7 29 7,283 41,957 8,451,767 47 8,400
4 41.5 8.9 34.5 22 2,796 40,514 8,364,930 53 8,104
5 40.9 8.3 42.4 24 3,892 38,391 8,005,110 59 9,185
6-10 56.3 3.4 60.4 280 41,464 193,696 34,203,355 498 68,608
11-15 54.9 2.0 52.4 774 77,135 260,240 32,840,929 1,410 147,197
Total 54.5 1.6 54.5 1,159 136,804 653,091 106,415,367 2,125 250,980
Select Experience By Issue Age
0-4 572.5 572.5 498.5 1 98 572 64,784 0 20
5-14 0.0 0.0 0.0 0 0 4,984 577,543 2 192
15-24 59.8 15.4 74.8 15 2,277 70,687 9,317,400 25 3,044
25-34 68.8 8.0 73.1 74 13,676 179,811 33,417,602 108 18,709
35-44 64.6 5.3 63.2 149 25,256 181,303 35,783,718 231 39,961
45-54 52.3 3.7 44.7 200 19,786 126,312 18,194,853 383 44,304
55-64 50.9 3.1 41.5 275 18,378 63,552 6,167,215 540 44,321
65-74 47.9 2.8 43.2 293 27,811 22,672 2,342,064 612 64,334
75-89 67.6 5.5 81.8 152 29,523 3,196 550,113 225 36,083
90+ 0.0 0.0 0.0 0 0 1 75 0 12
Total 54.5 1.6 54.5 1,159 136,804 653,091 106,415,367 2,125 250,980
Ultimate Experience By Attained Age
15-19 81.1 57.4 37.2 2 67 7,506 554,290 2 181
20-29 70.0 24.7 77.5 8 521 29,099 1,727,905 11 673
30-39 62.4 13.6 86.0 21 2,001 54,954 3,774,221 34 2,328
40-49 62.5 5.1 52.8 150 12,079 187,080 17,647,839 240 22,870
50-59 56.6 2.8 53.8 422 36,873 275,095 25,586,948 746 68,493
60-69 55.8 2.0 59.9 755 51,172 182,731 12,126,606 1,352 85,387
70-79 51.1 1.5 44.9 1,104 40,299 92,317 3,885,203 2,162 89,843
80-89 68.1 1.4 58.4 2,236 76,385 48,056 1,883,849 3,285 130,790
90-99 82.2 2.9 78.5 821 33,137 6,191 262,512 999 42,238
100+ 48.1 17.0 90.4 8 1,153 33 3,189 17 1,275
Total 62.5 0.8 57.1 5,527 253,688 883,063 67,452,562 8,848 444,078
GRAND TOTAL 60.9 0.7 56.2 6,686 390,492 1,536,154 173,867,929 10,973 695,058

Thomson Data Analysis Tue Jun 16 14:25:17 2015