CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 86-92 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 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 14.0 14.0 130.5 1 62 10,409 49,790 7 48
2 82.1 29.0 70.0 8 65 9,199 79,703 10 93
3 157.6 45.5 93.1 12 96 6,946 80,487 8 103
4 178.4 46.1 97.9 15 99 6,206 81,704 8 101
5 130.2 39.3 82.5 11 102 4,899 77,094 8 123
6-10 59.4 11.4 61.7 27 653 13,140 382,439 45 1,059
11-15 80.7 7.0 78.3 133 1,988 14,560 436,076 165 2,539
Total 82.2 5.7 75.4 207 3,065 65,360 1,187,293 252 4,066
Select Experience By Issue Age
0-4 22.6 22.6 54.3 1 30 14,587 235,869 4 54
5-14 102.4 59.1 90.4 3 62 8,221 144,842 3 69
15-24 24.5 24.5 79.6 1 73 7,007 140,602 4 92
25-34 14.8 14.8 53.9 1 94 9,226 187,985 7 175
35-44 103.1 25.8 79.5 16 340 8,690 178,630 16 428
45-54 71.9 12.7 65.9 32 677 9,186 176,139 45 1,027
55-64 74.5 10.6 66.5 49 727 5,535 90,339 66 1,092
65-74 89.9 10.4 90.2 75 805 2,570 29,364 83 892
75-89 119.6 22.2 108.9 29 255 337 3,513 24 234
90+ 108.0 0 2 0 10 0 2
Total 82.2 5.7 75.4 207 3,065 65,360 1,187,293 252 4,066
Ultimate Experience By Attained Age
15-19 80.5 80.5 50.2 1 14 2,126 48,611 1 27
20-29 78.6 27.8 95.3 8 110 14,143 160,824 10 115
30-39 87.0 12.7 94.8 47 353 52,691 362,463 54 373
40-49 82.1 6.3 76.3 168 1,011 97,660 624,084 205 1,325
50-59 79.8 3.0 78.9 719 4,627 166,707 1,103,470 901 5,867
60-69 62.0 1.3 62.1 2,194 12,933 246,757 1,456,785 3,539 20,835
70-79 68.2 0.9 69.7 6,287 32,094 240,248 1,203,792 9,212 46,025
80-89 77.3 0.7 79.7 13,673 59,156 192,527 808,941 17,683 74,257
90-99 74.3 0.9 82.8 6,604 24,509 43,977 149,841 8,890 29,617
100+ 12.6 0.7 22.5 291 859 3,617 6,429 2,311 3,820
Total 70.1 0.4 74.4 29,992 135,665 1,060,455 5,925,241 42,807 182,262
GRAND TOTAL 70.1 0.4 74.5 30,199 138,731 1,125,815 7,112,534 43,058 186,328

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.2     TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
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 59.9 12.0 49.0 25 546 36,732 1,183,238 42 1,113
2 86.2 12.1 81.8 51 1,355 36,477 1,225,688 59 1,657
3 88.2 11.2 87.2 62 1,614 35,193 1,156,401 70 1,851
4 58.8 8.5 62.3 48 1,331 36,120 1,194,145 82 2,138
5 64.4 8.3 57.8 60 1,377 35,217 1,140,396 93 2,382
6-10 67.6 2.9 64.1 532 12,492 191,549 5,837,623 787 19,491
11-15 63.3 1.8 59.0 1,285 28,843 275,783 8,076,410 2,030 48,873
Total 65.2 1.4 61.4 2,063 47,557 647,070 19,813,901 3,162 77,505
Select Experience By Issue Age
0-4 32.1 10.2 22.7 10 197 132,696 3,677,506 31 868
5-14 56.2 12.9 49.6 19 428 73,799 1,953,535 34 864
15-24 79.9 13.3 79.4 36 1,238 66,899 2,367,258 45 1,560
25-34 70.7 9.9 61.0 51 1,784 75,702 3,158,991 72 2,927
35-44 77.8 6.3 69.2 152 4,518 78,711 2,889,008 195 6,525
45-54 66.0 3.4 63.7 388 10,057 98,991 2,909,223 588 15,783
55-64 65.5 2.5 61.4 686 14,851 82,811 2,033,658 1,047 24,193
65-74 60.8 2.5 56.2 580 11,680 34,146 757,897 954 20,768
75-89 71.9 6.1 69.8 141 2,803 3,312 66,815 196 4,017
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 65.2 1.4 61.4 2,063 47,557 647,070 19,813,901 3,162 77,505
Ultimate Experience By Attained Age
15-19 47.3 10.9 48.9 19 542 71,788 1,995,980 40 1,107
20-29 69.0 6.4 66.1 115 2,780 237,831 6,032,074 167 4,206
30-39 75.3 5.6 74.3 181 4,072 232,684 5,345,535 240 5,483
40-49 66.3 3.6 63.7 338 10,650 242,038 7,976,321 510 16,730
50-59 66.9 1.7 62.5 1,580 48,230 435,085 14,572,661 2,362 77,163
60-69 61.1 1.0 58.1 3,845 96,418 443,405 11,985,015 6,295 165,886
70-79 60.9 0.8 58.6 6,101 124,826 269,558 5,774,154 10,026 212,853
80-89 72.9 0.8 71.2 7,884 147,695 120,954 2,300,299 10,808 207,457
90-99 83.5 1.8 82.8 2,103 39,658 13,148 247,455 2,519 47,887
100+ 35.2 5.7 35.7 38 793 183 3,742 108 2,218
Total 67.1 0.5 64.2 22,204 475,662 2,066,674 56,233,235 33,074 740,990
GRAND TOTAL 67.0 0.4 63.9 24,267 523,219 2,713,743 76,047,136 36,237 818,496

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.3     TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
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 61.6 14.1 54.9 19 1,063 42,419 2,700,961 31 1,936
2 59.9 12.2 69.5 24 1,794 39,688 2,565,165 40 2,580
3 52.4 10.7 56.9 24 1,657 35,339 2,262,754 46 2,913
4 58.1 10.4 61.8 31 2,054 34,581 2,228,680 53 3,326
5 69.8 10.9 66.3 41 2,432 33,835 2,150,254 59 3,666
6-10 61.4 3.6 64.0 289 18,919 167,412 10,605,777 470 29,578
11-15 57.7 2.5 56.6 528 32,206 201,259 12,420,392 915 56,913
Total 59.2 1.9 59.6 956 60,125 554,532 34,933,982 1,614 100,914
Select Experience By Issue Age
0-4 54.6 18.2 57.3 9 551 68,750 4,000,648 16 962
5-14 66.2 18.4 64.1 13 721 45,322 2,629,593 20 1,125
15-24 75.9 12.8 82.2 35 2,253 72,221 4,336,201 46 2,739
25-34 55.9 7.7 58.5 53 3,687 108,704 7,215,594 95 6,302
35-44 61.4 5.3 63.5 133 9,051 104,076 6,965,482 217 14,244
45-54 58.0 3.7 59.2 251 16,022 94,851 6,078,485 433 27,045
55-64 57.4 3.6 57.9 259 15,898 47,867 2,933,955 451 27,452
65-74 57.6 4.5 54.4 162 9,521 11,941 722,617 281 17,486
75-89 73.7 11.7 66.4 40 2,337 797 51,197 54 3,518
90+ 171.7 171.7 214.3 1 85 3 210 1 40
Total 59.2 1.9 59.6 956 60,125 554,532 34,933,982 1,614 100,914
Ultimate Experience By Attained Age
15-19 47.6 19.4 49.7 6 402 22,915 1,492,364 13 809
20-29 73.3 12.2 72.1 36 2,276 71,879 4,656,755 49 3,156
30-39 57.5 9.1 53.2 40 2,233 67,389 4,094,604 70 4,198
40-49 60.8 4.6 58.4 175 11,387 141,779 9,535,773 288 19,496
50-59 55.7 2.2 54.4 669 45,908 242,410 17,079,467 1,201 84,319
60-69 56.1 1.7 54.5 1,080 69,257 153,119 10,068,202 1,926 126,973
70-79 52.5 1.8 52.6 848 54,420 46,727 2,955,800 1,614 103,549
80-89 61.7 2.2 62.1 767 51,281 13,883 911,767 1,244 82,619
90-99 75.0 5.0 75.2 224 15,043 1,569 104,409 299 20,009
100+ 35.8 17.9 38.4 4 280 21 1,400 11 729
Total 57.3 0.9 56.6 3,849 252,486 761,692 50,900,542 6,714 445,859
GRAND TOTAL 57.7 0.8 57.2 4,805 312,611 1,316,224 85,834,524 8,328 546,772

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.4     TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
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 51.1 8.2 50.4 39 5,750 112,800 17,768,825 76 11,417
2 57.7 7.4 49.8 60 7,720 112,267 17,457,264 104 15,489
3 59.2 6.7 61.6 78 11,887 113,671 17,398,558 132 19,287
4 52.9 6.1 57.0 76 11,990 106,387 16,401,289 144 21,029
5 56.8 6.1 56.0 88 12,573 101,721 15,519,277 155 22,452
6-10 52.1 2.2 53.2 574 83,902 469,193 70,178,604 1,101 157,612
11-15 53.0 1.9 53.3 756 103,490 381,484 52,309,246 1,426 194,018
Total 53.3 1.3 53.8 1,671 237,312 1,397,523 207,033,062 3,138 441,304
Select Experience By Issue Age
0-4 33.1 14.8 38.6 5 704 63,019 7,615,985 15 1,826
5-14 26.8 11.0 21.9 6 600 57,811 7,114,263 22 2,741
15-24 56.9 8.3 62.7 47 6,671 140,754 18,512,027 83 10,642
25-34 53.8 4.3 55.6 159 25,312 362,945 57,851,877 296 45,554
35-44 56.2 2.9 59.0 370 58,019 382,799 60,314,149 658 98,284
45-54 52.4 2.4 51.1 490 66,773 275,292 40,111,589 935 130,693
55-64 51.0 2.7 51.5 352 47,249 98,362 13,305,949 690 91,704
65-74 50.2 3.9 47.9 166 21,556 15,159 2,015,939 331 45,010
75-89 70.8 8.1 70.4 76 10,428 1,381 191,153 107 14,809
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 53.3 1.3 53.8 1,671 237,312 1,397,523 207,033,062 3,138 441,304
Ultimate Experience By Attained Age
15-19 51.1 29.5 62.8 3 483 10,767 1,419,102 6 769
20-29 66.7 19.3 72.4 12 1,700 26,302 3,443,406 18 2,347
30-39 78.6 13.7 74.6 33 3,741 41,376 4,952,301 42 5,014
40-49 58.0 4.0 58.3 207 26,880 183,684 23,722,242 357 46,136
50-59 50.0 2.0 50.2 654 86,590 289,478 38,335,680 1,307 172,557
60-69 49.5 1.8 48.0 758 96,421 131,512 17,179,543 1,530 200,827
70-79 45.5 2.1 46.1 480 64,755 30,970 4,089,950 1,054 140,544
80-89 61.9 2.6 61.2 577 78,712 10,477 1,436,226 933 128,535
90-99 78.3 5.9 79.7 177 24,625 1,207 163,799 226 30,913
100+ 41.9 24.2 61.3 3 546 13 1,726 7 891
Total 53.0 1.0 52.8 2,904 384,454 725,786 94,743,975 5,480 728,533
GRAND TOTAL 53.1 0.8 53.1 4,575 621,766 2,123,309 301,777,038 8,618 1,169,837

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.5     TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
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 35.4 7.9 36.1 20 6,565 95,012 31,464,183 57 18,165
2 32.0 6.5 36.5 24 8,710 89,447 29,323,649 75 23,890
3 50.4 7.3 50.8 47 14,964 89,877 29,201,759 93 29,481
4 58.6 7.9 53.9 55 15,949 81,801 26,446,903 94 29,609
5 45.9 6.8 47.2 45 14,554 77,644 24,848,519 98 30,860
6-10 49.0 2.9 49.1 284 87,605 304,391 94,614,045 579 178,340
11-15 56.0 4.0 55.9 201 62,271 100,021 30,893,781 359 111,447
Total 49.9 1.9 49.9 676 210,618 838,194 266,792,838 1,355 421,792
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8,798 2,595,674 2 607
5-14 109.5 54.7 128.3 4 1,388 9,849 2,905,064 4 1,081
15-24 27.4 11.2 32.4 6 2,100 43,517 12,934,098 22 6,477
25-34 47.2 5.2 48.5 81 26,890 258,695 84,458,754 172 55,402
35-44 51.6 3.7 50.3 194 59,885 300,224 97,020,490 376 119,081
45-54 48.1 3.3 48.2 207 63,463 173,897 53,701,174 430 131,676
55-64 45.5 4.5 46.4 102 31,636 38,547 11,724,135 224 68,190
65-74 66.5 8.7 67.2 59 18,550 4,147 1,285,221 89 27,621
75-89 62.9 13.1 57.5 23 6,706 518 168,227 37 11,656
90+ 0 0 0 0 0 0
Total 49.9 1.9 49.9 676 210,618 838,194 266,792,838 1,355 421,792
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,243 407,940 1 228
20-29 48.5 48.5 39.5 1 261 2,929 942,745 2 660
30-39 79.5 45.9 83.5 3 943 3,878 1,156,354 4 1,129
40-49 39.5 10.2 38.1 15 4,423 19,462 5,947,303 38 11,616
50-59 37.1 4.7 35.1 62 18,279 37,822 11,745,204 167 52,098
60-69 49.0 4.6 48.0 114 35,110 19,777 6,181,463 233 73,137
70-79 42.5 4.7 44.1 81 27,047 5,455 1,742,958 190 61,318
80-89 53.7 5.5 57.2 94 32,944 1,956 639,639 175 57,596
90-99 65.8 14.0 73.6 22 8,248 188 62,397 33 11,203
100+ 0.0 0.0 0.0 0 0 1 400 0 154
Total 46.5 2.3 47.3 392 127,255 92,710 28,826,404 843 269,139
GRAND TOTAL 48.6 1.5 48.9 1,068 337,873 930,904 295,619,242 2,198 690,931

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.6     TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
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 34.0 9.8 28.9 12 6,156 67,829 41,102,860 35 21,274
2 41.6 9.5 38.6 19 10,550 62,380 37,581,329 46 27,325
3 48.8 9.6 46.3 26 14,691 59,991 35,835,490 53 31,733
4 42.9 8.9 42.3 23 13,464 52,664 31,272,342 54 31,845
5 49.6 9.2 48.2 29 16,661 48,876 28,886,674 58 34,562
6-10 47.9 4.1 47.2 134 77,200 149,092 86,900,964 280 163,476
11-15 49.5 5.6 47.2 77 42,694 37,355 21,546,624 155 90,543
Total 47.0 2.6 45.3 320 181,416 478,187 283,126,284 681 400,759
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,541 1,555,482 1 356
5-14 76.9 76.9 63.0 1 500 3,454 2,127,712 1 793
15-24 126.7 40.1 112.9 10 5,000 16,301 9,131,903 8 4,428
25-34 53.5 7.6 50.7 50 27,890 156,046 91,969,593 93 54,959
35-44 49.4 4.9 47.9 102 58,465 193,387 115,538,130 206 122,062
45-54 42.5 4.6 40.6 87 48,663 87,144 51,391,129 205 119,768
55-64 37.5 5.9 37.5 40 23,508 17,050 10,062,025 107 62,727
65-74 42.3 10.0 41.4 18 10,483 1,990 1,190,819 43 25,331
75-89 66.5 19.2 66.8 12 6,907 275 159,492 18 10,336
90+ 0 0 0 0 0 0
Total 47.0 2.6 45.3 320 181,416 478,187 283,126,284 681 400,759
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 214 133,272 0 73
20-29 0.0 0.0 0.0 0 0 573 363,762 0 256
30-39 110.0 110.0 111.4 1 600 915 544,092 1 539
40-49 21.9 15.5 19.1 2 1,000 4,524 2,579,195 9 5,226
50-59 43.7 8.9 42.6 24 13,560 12,053 6,976,245 55 31,858
60-69 41.4 6.6 42.2 39 23,457 7,875 4,624,140 94 55,579
70-79 27.9 5.7 26.5 24 13,739 2,453 1,467,175 86 51,930
80-89 60.6 8.7 58.7 49 28,673 897 540,571 81 48,881
90-99 64.3 20.3 66.8 10 6,503 83 52,527 16 9,735
100+ 92.4 65.3 92.2 2 1,021 6 3,068 2 1,108
Total 43.9 3.6 43.2 151 88,554 29,594 17,284,045 344 205,184
GRAND TOTAL 45.9 2.1 44.6 471 269,970 507,781 300,410,329 1,026 605,943

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 1.7     TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
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 33.7 13.8 38.1 6 11,925 29,642 48,312,388 18 31,273
2 60.5 16.2 60.9 14 24,750 26,406 42,351,323 23 40,652
3 41.3 12.5 34.4 11 16,312 24,243 39,726,143 27 47,422
4 26.6 10.0 16.9 7 7,500 20,398 31,657,751 26 44,489
5 56.8 14.2 42.4 16 20,881 18,568 29,918,398 28 49,239
6-10 45.6 5.9 41.8 60 94,094 53,541 82,739,446 131 224,926
11-15 42.9 7.2 38.6 35 53,135 14,538 23,342,844 82 137,756
Total 44.5 3.6 39.7 149 228,597 187,337 298,048,294 335 575,756
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 868 1,697,520 0 352
5-14 0.0 0.0 0.0 0 0 1,233 2,794,244 0 997
15-24 245.8 109.9 130.9 5 5,017 3,560 6,481,297 2 3,831
25-34 57.1 14.3 45.6 16 18,074 44,801 62,502,258 28 39,628
35-44 42.1 6.9 36.6 37 49,868 81,550 126,031,666 88 136,366
45-54 47.2 6.7 45.7 50 82,409 43,472 75,134,355 106 180,452
55-64 34.5 7.4 27.4 22 32,500 10,085 19,678,996 64 118,781
65-74 34.5 10.4 36.9 11 23,604 1,520 3,142,706 32 63,974
75-89 53.2 18.8 54.6 8 17,125 248 585,253 15 31,375
90+ 0 0 0 0 0 0
Total 44.5 3.6 39.7 149 228,597 187,337 298,048,294 335 575,756
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 54 93,332 0 51
20-29 0.0 0.0 0.0 0 0 203 347,431 0 249
30-39 0.0 0.0 0.0 0 0 355 572,631 0 584
40-49 33.7 33.7 21.4 1 1,000 1,485 2,425,148 3 4,678
50-59 33.4 12.6 29.9 7 9,549 4,516 6,905,319 21 31,968
60-69 37.1 9.3 31.2 16 21,208 3,511 5,463,655 43 67,885
70-79 47.1 9.6 47.1 24 40,897 1,422 2,393,191 51 86,825
80-89 43.9 9.0 45.2 24 45,264 618 1,132,833 55 100,133
90-99 51.3 22.9 87.5 5 16,065 52 97,741 10 18,358
100+ 0 0 0 0 0 0
Total 42.1 4.8 43.1 77 133,982 12,216 19,431,280 183 310,731
GRAND TOTAL 43.6 2.9 40.9 226 362,579 199,553 317,479,575 518 886,487

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.1     TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
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 23.6 23.6 190.0 1 56 5,354 25,168 4 30
2 87.9 39.3 78.8 5 45 4,731 40,388 6 57
3 200.1 66.7 88.7 9 58 3,623 40,243 4 65
4 120.8 49.3 64.4 6 40 3,214 40,747 5 62
5 42.6 30.1 38.5 2 30 2,566 39,819 5 77
6-10 59.5 15.4 62.4 15 395 6,977 197,837 25 632
11-15 74.0 9.6 74.6 60 1,036 7,034 215,236 81 1,388
Total 75.2 7.6 71.8 98 1,659 33,501 599,437 130 2,312
Select Experience By Issue Age
0-4 37.8 37.8 84.6 1 30 8,213 135,308 3 35
5-14 91.0 64.4 77.0 2 40 4,606 79,387 2 52
15-24 31.8 31.8 88.4 1 59 3,845 72,857 3 67
25-34 22.7 22.7 72.7 1 77 4,752 90,309 4 105
35-44 66.5 27.2 54.6 6 135 4,181 83,227 9 246
45-54 60.2 15.5 63.1 15 372 4,244 80,330 25 590
55-64 74.9 14.4 65.3 27 414 2,457 42,458 36 634
65-74 87.4 14.8 88.1 35 417 1,093 13,937 40 474
75-89 126.5 40.0 107.4 10 115 110 1,618 8 107
90+ 106.7 0 1 0 7 0 1
Total 75.2 7.6 71.8 98 1,659 33,501 599,437 130 2,312
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,148 25,413 1 20
20-29 106.0 37.5 96.8 8 83 7,565 86,212 8 86
30-39 106.0 17.7 104.7 36 251 26,814 188,291 34 240
40-49 86.1 8.4 77.8 104 605 51,974 328,296 121 778
50-59 75.0 3.6 70.5 425 2,543 86,465 549,445 567 3,605
60-69 57.9 1.6 58.3 1,365 8,261 130,858 789,911 2,358 14,179
70-79 63.7 1.0 64.8 4,029 21,292 136,775 722,262 6,327 32,883
80-89 74.5 0.8 77.2 8,323 37,888 105,110 467,903 11,165 49,096
90-99 73.6 1.3 82.6 3,455 13,431 20,869 74,324 4,695 16,258
100+ 9.1 0.8 16.1 123 355 2,038 3,485 1,352 2,199
Total 67.1 0.5 71.0 17,868 84,709 569,617 3,235,540 26,628 119,343
GRAND TOTAL 67.1 0.5 71.0 17,966 86,369 603,117 3,834,977 26,758 121,655

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.2     TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
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 84.0 19.8 72.2 18 426 17,203 558,735 21 589
2 97.0 17.7 92.0 30 842 17,207 591,708 31 916
3 90.2 15.7 81.3 33 822 16,442 546,919 37 1,011
4 69.7 12.9 62.9 29 716 16,773 563,392 42 1,138
5 73.1 12.4 67.6 35 862 16,225 532,995 48 1,275
6-10 65.6 4.0 65.4 265 6,827 87,870 2,709,410 404 10,436
11-15 62.8 2.5 58.6 653 15,326 124,593 3,700,701 1,039 26,173
Total 65.6 2.0 62.2 1,063 25,820 296,313 9,203,861 1,621 41,538
Select Experience By Issue Age
0-4 41.5 14.7 26.7 8 139 67,381 1,813,117 19 522
5-14 61.4 15.8 55.6 15 342 37,978 983,661 24 615
15-24 95.3 17.4 94.5 30 1,023 33,128 1,161,101 31 1,082
25-34 74.0 13.3 66.2 31 1,139 35,014 1,478,877 42 1,720
35-44 66.1 7.9 56.8 70 2,063 35,040 1,322,039 106 3,635
45-54 61.8 4.4 59.2 193 5,178 39,812 1,241,918 312 8,750
55-64 64.8 3.4 62.6 357 8,354 33,025 862,019 551 13,339
65-74 65.3 3.7 61.4 304 6,410 13,841 318,958 466 10,445
75-89 79.0 10.7 82.0 55 1,171 1,092 22,161 70 1,429
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 65.6 2.0 62.2 1,063 25,820 296,313 9,203,861 1,621 41,538
Ultimate Experience By Attained Age
15-19 41.2 11.9 38.4 12 305 37,081 1,013,132 29 795
20-29 65.7 7.3 64.8 80 1,991 122,657 3,099,088 122 3,072
30-39 80.1 7.1 77.0 128 2,790 122,329 2,792,435 160 3,623
40-49 67.1 4.8 61.7 197 5,932 122,419 3,987,261 294 9,611
50-59 63.3 2.1 58.0 942 29,097 220,562 7,709,793 1,487 50,175
60-69 57.1 1.1 54.2 2,513 64,892 249,639 7,069,044 4,400 119,832
70-79 57.6 0.9 56.0 4,130 89,033 160,090 3,652,447 7,167 159,086
80-89 71.3 1.0 70.2 5,300 105,947 72,166 1,477,792 7,431 150,871
90-99 83.0 2.3 82.5 1,349 26,908 7,683 154,128 1,626 32,604
100+ 31.0 6.2 30.1 25 474 136 2,690 81 1,578
Total 64.4 0.5 61.6 14,676 327,370 1,114,761 30,957,811 22,795 531,247
GRAND TOTAL 64.5 0.5 61.7 15,739 353,189 1,411,074 40,161,671 24,416 572,785

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.3     TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
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 57.7 18.2 48.6 10 531 19,842 1,272,870 17 1,093
2 39.6 13.2 43.2 9 645 18,636 1,224,484 23 1,493
3 57.0 14.7 61.5 15 1,041 16,650 1,079,603 26 1,693
4 49.3 12.7 46.6 15 894 16,104 1,047,360 30 1,919
5 67.8 14.1 69.3 23 1,477 15,836 1,011,269 34 2,131
6-10 63.4 4.8 67.1 173 11,572 78,741 5,029,060 273 17,254
11-15 54.6 3.2 54.5 284 17,766 93,168 5,809,502 520 32,576
Total 57.3 2.5 58.3 529 33,926 258,977 16,474,148 923 58,159
Select Experience By Issue Age
0-4 60.1 24.5 61.4 6 353 34,962 2,007,693 10 575
5-14 50.1 19.0 52.8 7 421 22,834 1,321,392 14 797
15-24 80.3 16.1 91.6 25 1,702 34,001 2,053,433 31 1,857
25-34 50.4 9.7 52.9 27 1,905 48,334 3,256,642 54 3,604
35-44 52.8 6.6 53.0 64 4,319 46,468 3,190,560 121 8,150
45-54 59.4 4.8 60.3 154 9,904 43,583 2,857,621 259 16,420
55-64 53.7 4.4 54.9 148 9,287 23,246 1,451,494 276 16,929
65-74 60.6 6.5 59.5 86 5,216 5,318 320,439 142 8,765
75-89 69.8 21.1 71.0 11 734 228 14,739 16 1,034
90+ 240.5 240.5 312.8 1 85 2 135 0 27
Total 57.3 2.5 58.3 529 33,926 258,977 16,474,148 923 58,159
Ultimate Experience By Attained Age
15-19 56.2 25.1 50.1 5 279 11,269 703,879 9 557
20-29 85.2 15.6 85.2 30 1,907 35,583 2,260,701 35 2,238
30-39 60.5 11.7 54.0 27 1,461 33,624 2,055,814 45 2,704
40-49 57.1 6.1 54.6 88 5,862 64,134 4,450,149 154 10,741
50-59 53.5 2.6 52.0 412 29,176 123,162 9,151,606 771 56,109
60-69 53.3 1.9 51.7 752 49,493 91,048 6,268,602 1,412 95,812
70-79 50.9 2.0 50.8 652 42,623 32,146 2,099,383 1,281 83,912
80-89 63.2 2.6 63.2 582 39,691 9,283 630,774 922 62,849
90-99 76.9 6.5 77.4 142 10,018 879 61,666 185 12,938
100+ 33.6 19.4 40.1 3 224 16 1,002 9 558
Total 55.9 1.1 55.0 2,693 180,732 401,143 27,683,575 4,822 328,419
GRAND TOTAL 56.1 1.0 55.5 3,222 214,658 660,120 44,157,722 5,745 386,578

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.4     TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
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 58.4 11.2 51.1 27 3,570 53,986 8,530,621 46 6,981
2 62.1 9.9 52.1 39 4,923 53,306 8,356,572 63 9,443
3 54.4 8.3 56.3 43 6,579 53,614 8,286,785 79 11,677
4 49.2 7.5 53.3 43 6,864 49,854 7,773,881 87 12,879
5 50.5 7.3 48.5 48 6,746 47,806 7,377,546 95 13,915
6-10 47.8 2.7 49.4 322 47,989 224,658 34,118,203 673 97,181
11-15 51.1 2.5 50.2 433 58,529 187,351 26,248,616 848 116,621
Total 50.5 1.6 50.3 955 135,200 670,575 100,692,224 1,891 268,696
Select Experience By Issue Age
0-4 34.8 20.1 38.3 3 400 30,778 3,715,621 9 1,044
5-14 19.0 11.0 15.5 3 300 29,128 3,572,579 16 1,930
15-24 54.2 9.7 60.9 31 4,476 66,766 8,719,333 57 7,355
25-34 49.6 5.4 47.4 85 12,765 160,190 25,989,398 171 26,903
35-44 50.4 3.6 53.7 199 32,159 181,875 29,360,933 395 59,901
45-54 51.3 2.9 48.9 309 41,746 139,661 20,810,438 603 85,407
55-64 48.9 3.3 49.3 224 30,216 54,470 7,502,994 458 61,343
65-74 52.2 5.7 49.7 83 10,691 7,402 979,223 159 21,503
75-89 75.1 17.7 74.8 18 2,446 303 41,576 24 3,270
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 50.5 1.6 50.3 955 135,200 670,575 100,692,224 1,891 268,696
Ultimate Experience By Attained Age
15-19 73.3 42.3 71.5 3 380 5,171 671,730 4 532
20-29 62.3 22.0 64.8 8 1,082 12,947 1,685,173 13 1,670
30-39 73.7 16.5 73.2 20 2,381 20,955 2,522,915 27 3,253
40-49 60.2 5.3 61.1 131 17,429 94,648 12,385,576 218 28,519
50-59 48.1 2.3 47.4 454 59,906 173,680 23,466,076 943 126,279
60-69 48.1 2.0 45.8 586 74,296 89,835 12,013,274 1,218 162,330
70-79 46.9 2.3 47.1 404 54,698 22,660 3,045,202 861 116,037
80-89 64.0 3.1 62.9 422 57,813 6,671 927,747 659 91,981
90-99 74.3 7.7 75.8 94 13,726 608 86,883 127 18,100
100+ 23.8 23.8 21.7 1 100 7 780 4 461
Total 52.1 1.1 51.3 2,123 281,810 427,183 56,805,355 4,074 549,162
GRAND TOTAL 51.6 0.9 51.0 3,078 417,010 1,097,759 157,497,579 5,966 817,858

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.5     TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
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 47.0 11.4 44.6 17 5,215 47,351 15,830,938 36 11,702
2 42.1 9.4 48.7 20 7,410 44,666 14,802,491 48 15,222
3 47.0 8.9 49.6 28 9,399 44,950 14,814,005 60 18,967
4 62.3 10.1 54.7 38 10,629 41,163 13,502,808 61 19,440
5 45.3 8.4 41.5 29 8,425 39,050 12,710,492 64 20,324
6-10 47.0 3.5 46.5 182 55,881 159,444 50,408,654 387 120,096
11-15 51.3 4.6 50.3 122 37,476 58,199 18,311,742 238 74,573
Total 48.8 2.3 48.0 436 134,434 434,823 140,381,129 893 280,324
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,273 1,256,437 1 342
5-14 155.7 77.8 182.5 4 1,388 4,952 1,455,285 3 760
15-24 32.3 14.4 40.3 5 1,850 20,271 6,049,593 15 4,588
25-34 44.7 6.5 44.8 48 15,768 120,816 40,212,777 107 35,170
35-44 51.6 4.6 48.2 124 37,224 155,789 51,337,884 240 77,181
45-54 47.5 4.0 47.5 144 44,553 100,900 31,553,740 303 93,823
55-64 49.1 5.4 50.6 82 25,786 25,376 7,764,765 167 50,913
65-74 50.8 10.4 44.8 24 6,565 2,331 713,200 47 14,659
75-89 55.0 24.6 45.0 5 1,300 115 37,448 9 2,887
90+ 0 0 0 0 0 0
Total 48.8 2.3 48.0 436 134,434 434,823 140,381,129 893 280,324
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 645 203,227 1 163
20-29 0.0 0.0 0.0 0 0 1,534 487,230 2 483
30-39 38.0 38.0 32.2 1 253 2,112 630,462 3 787
40-49 43.0 12.4 38.8 12 3,332 12,490 3,842,935 28 8,577
50-59 36.4 5.2 34.0 50 14,608 27,566 8,634,529 137 42,997
60-69 47.9 4.9 46.6 97 29,808 15,635 4,926,174 202 63,956
70-79 42.5 5.1 44.2 69 23,229 4,302 1,385,243 162 52,569
80-89 52.6 6.4 55.6 68 24,022 1,304 435,415 129 43,226
90-99 59.2 17.9 77.1 11 4,779 94 31,175 19 6,195
100+ 0.0 0.0 0.0 0 0 1 400 0 154
Total 45.1 2.6 45.7 308 100,031 65,683 20,576,791 683 219,107
GRAND TOTAL 47.2 1.7 46.9 744 234,465 500,506 160,957,920 1,576 499,431

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.6     TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
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 44.7 13.5 37.9 11 5,656 37,269 22,806,789 25 14,924
2 44.4 11.9 42.4 14 8,050 34,454 21,031,562 32 19,004
3 48.4 11.4 45.9 18 10,271 33,239 20,185,016 37 22,364
4 52.7 11.8 50.7 20 11,530 29,505 17,835,437 38 22,733
5 49.8 10.9 47.3 21 11,900 28,150 16,949,344 42 25,152
6-10 45.3 4.7 45.1 94 55,250 91,666 54,335,266 208 122,434
11-15 43.2 6.2 42.0 49 27,917 25,581 14,931,202 113 66,529
Total 45.9 3.0 44.5 227 130,574 279,862 168,074,616 495 293,140
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,271 763,090 0 205
5-14 109.3 109.3 90.0 1 500 1,730 1,063,273 1 556
15-24 121.1 45.8 107.3 7 3,500 7,878 4,458,472 6 3,262
25-34 53.1 9.1 50.9 34 19,385 80,437 48,300,775 64 38,106
35-44 47.8 5.7 47.2 70 41,310 115,141 69,825,779 146 87,563
45-54 42.3 5.1 40.5 68 38,295 59,309 35,316,688 161 94,582
55-64 39.2 6.7 39.3 34 20,078 12,860 7,612,731 87 51,119
65-74 37.6 12.5 34.4 9 4,900 1,162 689,204 24 14,231
75-89 68.8 34.4 74.1 4 2,606 74 44,604 6 3,515
90+ 0 0 0 0 0 0
Total 45.9 3.0 44.5 227 130,574 279,862 168,074,616 495 293,140
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 100 63,428 0 51
20-29 0.0 0.0 0.0 0 0 301 188,820 0 187
30-39 0.0 0.0 0.0 0 0 528 310,501 1 387
40-49 27.0 19.1 23.6 2 1,000 3,319 1,903,746 7 4,246
50-59 40.0 9.2 39.2 19 10,829 9,521 5,537,447 48 27,639
60-69 37.8 6.7 37.1 32 18,567 6,602 3,884,237 85 50,000
70-79 25.3 5.8 24.5 19 11,136 2,006 1,203,386 75 45,419
80-89 56.2 9.5 54.7 35 20,661 628 380,649 62 37,760
90-99 62.0 25.3 61.0 6 3,584 47 28,674 10 5,879
100+ 0.0 0.0 0.0 0 0 2 1,047 1 403
Total 39.2 3.7 38.2 113 65,776 23,054 13,501,936 288 171,971
GRAND TOTAL 43.4 2.4 42.2 340 196,350 302,916 181,576,553 783 465,111

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.7     TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
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 35.3 15.8 41.5 5 10,425 20,561 34,874,612 14 25,147
2 76.9 20.5 70.4 14 22,750 18,422 30,803,310 18 32,314
3 28.5 11.6 20.0 6 7,512 17,086 29,161,361 21 37,529
4 18.7 9.4 12.2 4 4,500 14,573 23,604,244 21 36,946
5 61.0 16.3 45.7 14 18,517 13,514 22,328,944 23 40,559
6-10 47.4 6.6 39.8 51 73,508 40,463 64,009,500 108 184,919
11-15 38.4 7.8 36.5 24 37,504 11,177 17,687,667 63 102,631
Total 44.0 4.1 38.0 118 174,715 135,797 222,469,638 268 460,045
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 428 801,893 0 195
5-14 0.0 0.0 0.0 0 0 631 1,328,693 0 659
15-24 238.7 119.3 125.4 4 4,017 2,199 4,138,747 2 3,202
25-34 63.0 16.8 50.4 14 16,074 29,238 42,094,605 22 31,868
35-44 44.7 7.9 37.4 32 42,368 59,318 94,867,786 72 113,137
45-54 46.9 7.2 47.5 43 74,745 34,739 61,255,809 92 157,398
55-64 35.0 8.0 29.2 19 29,500 8,173 15,860,847 54 101,180
65-74 29.1 11.9 20.9 6 8,012 994 1,900,500 21 38,417
75-89 0.0 0.0 0.0 0 0 76 220,758 6 13,988
90+ 0 0 0 0 0 0
Total 44.0 4.1 38.0 118 174,715 135,797 222,469,638 268 460,045
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 28 44,632 0 35
20-29 0.0 0.0 0.0 0 0 111 188,578 0 187
30-39 0.0 0.0 0.0 0 0 201 319,779 0 411
40-49 42.0 42.0 28.5 1 1,000 1,094 1,650,041 2 3,514
50-59 32.4 13.2 30.3 6 8,500 3,731 5,638,136 19 28,082
60-69 30.7 8.9 24.6 12 15,174 2,988 4,680,200 39 61,805
70-79 51.7 10.8 52.2 23 38,897 1,179 1,944,059 45 74,484
80-89 40.6 9.8 44.4 17 34,841 440 830,953 42 78,469
90-99 40.8 23.6 97.0 3 12,065 37 59,523 7 12,443
100+ 0 0 0 0 0 0
Total 40.2 5.1 42.6 62 110,477 9,810 15,355,901 154 259,431
GRAND TOTAL 42.6 3.2 39.6 180 285,192 145,607 237,825,539 422 719,476

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.8     TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
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 33.7 0 6 5,055 24,622 3 18
2 74.0 42.7 55.9 3 20 4,468 39,316 4 36
3 96.2 55.6 100.9 3 38 3,322 40,244 3 38
4 261.4 87.1 150.6 9 59 2,991 40,958 3 39
5 239.9 80.0 154.9 9 72 2,333 37,275 4 47
6-10 59.3 17.1 60.5 12 258 6,163 184,602 20 427
11-15 87.1 10.2 82.8 73 952 7,527 220,840 84 1,150
Total 89.8 8.6 80.1 109 1,406 31,859 587,856 121 1,755
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,374 100,561 2 19
5-14 136.7 136.7 132.4 1 22 3,615 65,455 1 17
15-24 0.0 0.0 56.6 0 14 3,162 67,745 1 25
25-34 0.0 0.0 25.6 0 18 4,473 97,677 2 70
35-44 153.7 48.6 113.1 10 206 4,509 95,403 7 182
45-54 86.7 21.0 69.6 17 305 4,942 95,809 20 438
55-64 74.2 15.8 68.3 22 313 3,078 47,880 30 458
65-74 92.1 14.6 92.7 40 388 1,477 15,427 43 418
75-89 116.3 26.7 110.1 19 140 227 1,895 16 127
90+ 111.9 0 1 0 3 0 0
Total 89.8 8.6 80.1 109 1,406 31,859 587,856 121 1,755
Ultimate Experience By Attained Age
15-19 314.9 314.9 185.2 1 14 979 23,198 0 7
20-29 0.0 0.0 91.2 0 27 6,577 74,612 3 29
30-39 54.8 16.5 76.9 11 102 25,877 174,172 20 133
40-49 76.3 9.5 74.2 64 406 45,686 295,788 84 547
50-59 88.0 5.1 92.1 294 2,084 80,242 554,025 334 2,262
60-69 70.2 2.4 70.2 829 4,671 115,899 666,875 1,181 6,656
70-79 78.3 1.6 82.2 2,258 10,801 103,473 481,530 2,885 13,142
80-89 82.1 1.1 84.5 5,350 21,268 87,417 341,039 6,518 25,161
90-99 75.1 1.3 82.9 3,149 11,078 23,108 75,518 4,195 13,359
100+ 17.5 1.4 31.1 168 505 1,579 2,944 960 1,622
Total 74.9 0.7 81.0 12,124 50,956 490,839 2,689,701 16,179 62,918
GRAND TOTAL 75.0 0.7 81.0 12,233 52,362 522,698 3,277,557 16,300 64,673

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.9     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
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 34.5 13.0 22.9 7 120 19,528 624,503 20 524
2 74.4 16.2 69.1 21 512 19,269 633,981 28 741
3 86.0 16.0 94.3 29 792 18,751 609,482 34 840
4 47.5 10.9 61.6 19 616 19,347 630,752 40 1,000
5 55.3 11.1 46.5 25 515 18,992 607,401 45 1,107
6-10 69.7 4.3 62.6 267 5,665 103,679 3,128,213 383 9,056
11-15 63.8 2.5 59.5 632 13,517 151,189 4,375,709 990 22,700
Total 64.9 2.1 60.4 1,000 21,737 350,757 10,610,040 1,541 35,968
Select Experience By Issue Age
0-4 16.9 11.9 16.6 2 58 65,315 1,864,390 12 346
5-14 42.7 21.3 34.7 4 86 35,821 969,874 9 249
15-24 44.3 18.1 45.0 6 215 33,771 1,206,157 14 477
25-34 66.0 14.8 53.4 20 644 40,688 1,680,113 30 1,207
35-44 91.7 10.1 84.9 82 2,455 43,672 1,566,969 89 2,890
45-54 70.8 5.1 69.4 195 4,879 59,179 1,667,305 276 7,034
55-64 66.3 3.7 59.9 329 6,498 49,786 1,171,639 497 10,854
65-74 56.6 3.4 51.1 276 5,270 20,305 438,940 488 10,322
75-89 68.0 7.3 63.1 86 1,632 2,220 44,654 126 2,588
90+ 0 0 0 0 0 0
Total 64.9 2.1 60.4 1,000 21,737 350,757 10,610,040 1,541 35,968
Ultimate Experience By Attained Age
15-19 63.4 24.0 75.9 7 237 34,706 982,847 11 312
20-29 78.1 13.2 69.6 35 788 115,173 2,932,985 45 1,134
30-39 65.6 9.0 69.0 53 1,282 110,355 2,553,100 81 1,860
40-49 65.3 5.5 66.3 141 4,719 119,619 3,989,059 216 7,119
50-59 72.9 2.9 70.9 638 19,133 214,523 6,862,868 875 26,988
60-69 70.3 1.9 68.5 1,332 31,526 193,767 4,915,971 1,895 46,054
70-79 68.9 1.6 66.6 1,971 35,793 109,468 2,121,707 2,859 53,767
80-89 76.5 1.5 73.8 2,584 41,747 48,789 822,508 3,377 56,586
90-99 84.4 3.1 83.4 754 12,749 5,465 93,326 893 15,283
100+ 47.5 13.2 49.7 13 318 47 1,052 27 640
Total 73.2 0.8 70.7 7,528 148,293 951,913 25,275,425 10,279 209,743
GRAND TOTAL 72.1 0.8 69.2 8,528 170,030 1,302,669 35,885,465 11,820 245,711

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.10     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
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 66.6 22.2 63.1 9 532 22,577 1,428,091 14 844
2 86.6 22.4 105.6 15 1,149 21,052 1,340,681 17 1,088
3 46.1 15.4 50.5 9 616 18,689 1,183,151 20 1,220
4 69.9 17.5 82.5 16 1,160 18,477 1,181,320 23 1,406
5 72.5 17.1 62.2 18 955 17,999 1,138,985 25 1,535
6-10 58.7 5.4 59.6 116 7,347 88,671 5,576,717 198 12,324
11-15 61.8 4.0 59.3 244 14,440 108,092 6,610,889 395 24,337
Total 61.8 3.0 61.3 427 26,199 295,556 18,459,834 691 42,755
Select Experience By Issue Age
0-4 46.3 26.7 51.2 3 198 33,787 1,992,955 6 387
5-14 105.5 43.1 91.6 6 300 22,488 1,308,202 6 327
15-24 66.6 21.1 62.5 10 551 38,220 2,282,769 15 882
25-34 63.1 12.4 66.0 26 1,782 60,370 3,958,952 41 2,698
35-44 72.4 8.7 77.6 69 4,732 57,608 3,774,922 95 6,094
45-54 55.9 5.7 57.6 97 6,118 51,268 3,220,864 174 10,626
55-64 63.3 6.0 62.8 111 6,610 24,621 1,482,461 175 10,523
65-74 54.6 6.3 49.4 76 4,305 6,623 402,177 139 8,721
75-89 75.3 14.0 64.5 29 1,603 568 36,458 39 2,483
90+ 0.0 0.0 0.0 0 0 1 75 0 12
Total 61.8 3.0 61.3 427 26,199 295,556 18,459,834 691 42,755
Ultimate Experience By Attained Age
15-19 27.0 27.0 48.8 1 123 11,646 788,486 4 252
20-29 43.1 17.6 40.3 6 370 36,296 2,396,054 14 918
30-39 52.1 14.5 51.7 13 772 33,765 2,038,791 25 1,494
40-49 65.0 7.0 63.1 87 5,525 77,645 5,085,625 134 8,754
50-59 59.8 3.7 59.3 257 16,732 119,248 7,927,861 430 28,211
60-69 63.8 3.5 63.4 328 19,764 62,072 3,799,600 514 31,161
70-79 58.8 4.2 60.1 196 11,797 14,581 856,417 333 19,637
80-89 57.5 4.2 58.6 185 11,590 4,600 280,993 322 19,770
90-99 71.9 7.9 71.1 82 5,025 691 42,743 114 7,071
100+ 44.8 44.8 32.8 1 56 5 398 2 171
Total 61.1 1.8 61.1 1,156 71,754 360,549 23,216,967 1,892 117,440
GRAND TOTAL 61.3 1.5 61.1 1,583 97,953 656,105 41,676,802 2,583 160,194

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.11     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
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 39.9 11.5 49.1 12 2,180 58,814 9,238,204 30 4,436
2 51.0 11.1 46.3 21 2,797 58,961 9,100,692 41 6,046
3 66.3 11.2 69.8 35 5,309 60,056 9,111,772 53 7,610
4 58.6 10.2 62.9 33 5,126 56,533 8,627,408 56 8,150
5 66.8 10.6 68.2 40 5,827 53,915 8,141,731 60 8,538
6-10 58.9 3.7 59.4 252 35,912 244,535 36,060,401 428 60,430
11-15 55.9 3.1 58.1 323 44,961 194,133 26,060,630 578 77,397
Total 57.4 2.1 59.2 716 102,112 726,948 106,340,838 1,246 172,608
Select Experience By Issue Age
0-4 30.8 21.8 38.9 2 304 32,241 3,900,364 6 783
5-14 45.6 26.3 37.0 3 300 28,683 3,541,685 7 811
15-24 62.8 15.7 66.8 16 2,195 73,988 9,792,695 25 3,286
25-34 59.6 6.9 67.3 74 12,547 202,755 31,862,479 124 18,651
35-44 64.9 5.0 67.4 171 25,860 200,924 30,953,217 264 38,383
45-54 54.5 4.0 55.3 181 25,027 135,631 19,301,151 332 45,286
55-64 55.0 4.9 56.1 128 17,032 43,892 5,802,955 233 30,361
65-74 48.3 5.3 46.2 83 10,865 7,757 1,036,716 172 23,507
75-89 69.6 9.1 69.2 58 7,983 1,078 149,577 83 11,539
90+ 0 0 0 0 0 0
Total 57.4 2.1 59.2 716 102,112 726,948 106,340,838 1,246 172,608
Ultimate Experience By Attained Age
15-19 0.0 0.0 43.3 0 103 5,596 747,373 2 238
20-29 77.7 38.8 91.4 4 618 13,355 1,758,233 5 677
30-39 87.4 24.2 77.3 13 1,361 20,421 2,429,386 15 1,761
40-49 54.7 6.3 53.6 76 9,451 89,036 11,336,666 139 17,617
50-59 55.0 3.9 57.7 200 26,685 115,798 14,869,604 364 46,278
60-69 55.2 4.2 57.5 172 22,125 41,677 5,166,269 312 38,497
70-79 39.3 4.5 41.0 76 10,058 8,311 1,044,748 193 24,507
80-89 56.7 4.6 57.2 155 20,898 3,806 508,480 273 36,554
90-99 83.3 9.1 85.1 83 10,900 599 76,917 100 12,813
100+ 67.7 47.8 103.8 2 446 6 946 3 430
Total 55.6 2.0 57.2 781 102,644 298,602 37,938,620 1,405 179,371
GRAND TOTAL 56.5 1.5 58.2 1,497 204,757 1,025,550 144,279,459 2,652 351,979

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.12     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
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 14.7 8.5 20.9 3 1,350 47,661 15,633,245 20 6,463
2 14.5 7.3 15.0 4 1,300 44,781 14,521,158 27 8,668
3 56.2 12.9 52.9 19 5,565 44,927 14,387,753 34 10,514
4 51.7 12.5 52.3 17 5,320 40,638 12,944,095 33 10,170
5 47.1 11.8 58.2 16 6,129 38,594 12,138,027 34 10,536
6-10 53.2 5.3 54.5 102 31,725 144,947 44,205,391 192 58,244
11-15 65.3 7.3 67.2 79 24,795 41,822 12,582,039 121 36,874
Total 52.0 3.4 53.9 240 76,184 403,371 126,411,709 461 141,468
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,525 1,339,237 1 266
5-14 0.0 0.0 0.0 0 0 4,897 1,449,778 1 321
15-24 15.5 15.5 13.2 1 250 23,246 6,884,505 6 1,889
25-34 51.2 8.9 55.0 33 11,122 137,879 44,245,977 64 20,232
35-44 51.5 6.2 54.1 70 22,661 144,436 45,682,606 136 41,901
45-54 49.8 6.3 50.0 63 18,910 72,997 22,147,434 127 37,853
55-64 35.0 7.8 33.9 20 5,850 13,171 3,959,371 57 17,277
65-74 84.5 14.3 92.5 35 11,985 1,816 572,021 41 12,962
75-89 65.6 15.5 61.7 18 5,406 403 130,780 27 8,769
90+ 0 0 0 0 0 0
Total 52.0 3.4 53.9 240 76,184 403,371 126,411,709 461 141,468
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 598 204,713 0 65
20-29 185.0 185.0 147.8 1 261 1,395 455,515 1 177
30-39 174.6 123.4 201.4 2 690 1,766 525,892 1 342
40-49 29.9 17.2 35.9 3 1,091 6,972 2,104,368 10 3,039
50-59 40.0 11.6 40.3 12 3,671 10,256 3,110,675 30 9,101
60-69 56.2 13.6 57.7 17 5,302 4,142 1,255,289 30 9,181
70-79 42.8 12.3 43.6 12 3,818 1,153 357,715 28 8,749
80-89 56.9 11.2 62.1 26 8,921 652 204,224 46 14,369
90-99 74.1 22.3 69.3 11 3,470 94 31,222 15 5,008
100+ 0 0 0 0 0 0
Total 52.3 5.7 54.4 84 27,224 27,027 8,249,613 161 50,031
GRAND TOTAL 52.1 2.9 54.0 324 103,408 430,398 134,661,322 622 191,500

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.13     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
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 9.4 9.4 7.9 1 500 30,561 18,296,071 11 6,350
2 35.4 15.8 30.0 5 2,500 27,926 16,549,767 14 8,321
3 49.6 17.5 47.2 8 4,420 26,753 15,650,474 16 9,369
4 19.1 11.0 21.2 3 1,933 23,160 13,436,905 16 9,112
5 49.1 17.4 50.6 8 4,761 20,726 11,937,329 16 9,410
6-10 55.7 8.8 53.5 40 21,951 57,426 32,565,698 72 41,042
11-15 66.6 12.6 61.5 28 14,777 11,774 6,615,422 42 24,014
Total 49.8 5.2 47.2 93 50,842 198,325 115,051,668 187 107,619
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,270 792,392 0 150
5-14 0.0 0.0 0.0 0 0 1,724 1,064,439 0 238
15-24 142.1 82.0 128.7 3 1,500 8,422 4,673,431 2 1,166
25-34 54.2 13.6 50.5 16 8,505 75,609 43,668,817 30 16,854
35-44 53.3 9.4 49.7 32 17,155 78,247 45,712,351 60 34,498
45-54 43.2 9.9 41.2 19 10,368 27,835 16,074,441 44 25,185
55-64 30.3 12.4 29.5 6 3,430 4,190 2,449,294 20 11,608
65-74 48.5 16.2 50.3 9 5,583 827 501,615 19 11,099
75-89 65.4 23.1 63.1 8 4,302 201 114,887 12 6,821
90+ 0 0 0 0 0 0
Total 49.8 5.2 47.2 93 50,842 198,325 115,051,668 187 107,619
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 114 69,844 0 22
20-29 0.0 0.0 0.0 0 0 272 174,941 0 69
30-39 397.2 397.2 395.1 1 600 388 233,591 0 152
40-49 0.0 0.0 0.0 0 0 1,205 675,449 2 980
50-59 67.4 30.2 64.7 5 2,731 2,533 1,438,797 7 4,219
60-69 73.1 27.6 87.7 7 4,890 1,273 739,903 10 5,579
70-79 45.8 20.5 40.0 5 2,603 447 263,788 11 6,511
80-89 75.3 20.1 72.0 14 8,012 269 159,922 19 11,121
90-99 68.1 34.1 75.7 4 2,920 36 23,852 6 3,856
100+ 143.4 101.4 145.0 2 1,021 4 2,021 1 705
Total 68.0 11.0 68.6 38 22,778 6,540 3,782,109 56 33,213
GRAND TOTAL 54.0 4.7 52.3 131 73,620 204,866 118,833,776 243 140,832

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 2.14     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
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 27.6 27.6 24.5 1 1,500 9,082 13,437,776 4 6,126
2 0.0 0.0 24.0 0 2,000 7,984 11,548,013 5 8,338
3 89.9 40.2 89.0 5 8,800 7,157 10,564,782 6 9,893
4 60.1 34.7 39.8 3 3,000 5,824 8,053,507 5 7,542
5 38.6 27.3 27.2 2 2,364 5,054 7,589,454 5 8,680
6-10 37.9 12.6 51.5 9 20,587 13,078 18,729,946 24 40,007
11-15 57.6 17.4 44.5 11 15,631 3,361 5,655,178 19 35,124
Total 46.2 8.3 46.6 31 53,882 51,540 75,578,656 67 115,711
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 440 895,627 0 157
5-14 0.0 0.0 0.0 0 0 601 1,465,551 0 338
15-24 278.9 278.9 159.1 1 1,000 1,361 2,342,549 0 629
25-34 34.4 24.3 25.8 2 2,000 15,563 20,407,653 6 7,760
35-44 30.5 13.7 32.3 5 7,500 22,232 31,163,880 16 23,229
45-54 49.3 18.6 33.2 7 7,664 8,733 13,878,546 14 23,053
55-64 32.0 18.5 17.0 3 3,000 1,912 3,818,149 9 17,601
65-74 44.3 19.8 61.0 5 15,593 526 1,242,206 11 25,557
75-89 84.4 29.9 98.5 8 17,125 172 364,494 9 17,387
90+ 0 0 0 0 0 0
Total 46.2 8.3 46.6 31 53,882 51,540 75,578,656 67 115,711
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 48,700 0 16
20-29 0.0 0.0 0.0 0 0 93 158,853 0 62
30-39 0.0 0.0 0.0 0 0 154 252,852 0 173
40-49 0.0 0.0 0.0 0 0 392 775,107 1 1,164
50-59 41.6 41.6 27.0 1 1,049 784 1,267,183 2 3,886
60-69 99.1 49.6 99.2 4 6,034 523 783,455 4 6,080
70-79 15.6 15.6 16.2 1 2,000 242 449,132 6 12,341
80-89 54.9 20.7 48.1 7 10,422 178 301,880 13 21,664
90-99 83.7 59.2 67.6 2 4,000 15 38,218 2 5,915
100+ 0 0 0 0 0 0
Total 52.2 13.5 45.8 15 23,505 2,406 4,075,379 29 51,300
GRAND TOTAL 48.0 7.1 46.3 46 77,387 53,946 79,654,036 96 167,011

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
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 0.0 288.6 0 19 542 2,939 1 6
2 57.7 57.7 13.8 1 2 543 4,891 2 16
3 239.4 138.2 47.6 3 8 385 4,711 1 16
4 189.7 109.5 101.0 3 19 358 4,547 2 19
5 0.0 0.0 53.4 0 12 306 4,824 1 23
6-10 22.8 16.1 46.5 2 97 1,225 29,438 9 209
11-15 97.9 19.6 81.9 25 431 1,655 51,431 26 527
Total 82.7 14.2 72.1 34 589 5,014 102,781 41 816
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 41 2,074 0 2
5-14 0.0 0.0 30.5 0 2 269 9,019 0 8
15-24 0.0 0.0 154.5 0 30 787 15,612 1 19
25-34 59.6 59.6 95.3 1 40 1,120 22,106 2 42
35-44 44.0 31.1 55.8 2 73 1,024 22,609 5 131
45-54 47.9 19.6 52.0 6 151 1,080 21,071 13 291
55-64 122.4 30.6 89.6 16 198 537 8,371 13 221
65-74 116.0 38.7 91.6 9 86 148 1,812 8 94
75-89 0.0 0.0 97.6 0 8 7 107 0 8
90+ 0 0 0 0 0 0
Total 82.7 14.2 72.1 34 589 5,014 102,781 41 816
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 312 10,514 0 8
20-29 90.1 90.1 129.9 1 22 1,111 17,067 1 17
30-39 74.2 52.5 104.8 2 30 1,524 16,307 3 29
40-49 67.8 30.3 44.8 5 47 1,840 26,146 7 106
50-59 32.3 9.0 37.6 13 181 3,276 40,541 40 482
60-69 49.5 5.7 56.6 76 717 4,678 39,760 154 1,267
70-79 55.6 3.9 62.4 201 1,298 4,810 28,146 362 2,080
80-89 61.3 3.7 67.5 275 1,396 3,097 14,520 448 2,067
90-99 65.8 7.1 78.5 85 314 506 1,602 129 400
100+ 14.7 7.4 9.6 4 3 42 38 27 26
Total 56.5 2.2 61.8 662 4,007 21,196 194,642 1,172 6,482
GRAND TOTAL 57.4 2.2 63.0 696 4,596 26,209 297,422 1,213 7,298

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.2     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
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 77.3 34.6 72.1 5 120 2,682 82,791 6 166
2 112.5 33.9 108.3 11 301 2,750 89,463 10 278
3 112.1 31.1 106.3 13 327 2,572 80,380 12 308
4 67.0 22.3 59.5 9 210 2,716 84,187 13 353
5 65.8 20.8 54.8 10 209 2,694 82,129 15 381
6-10 58.1 6.8 57.8 74 1,792 16,033 445,265 127 3,102
11-15 62.6 4.3 60.2 216 4,911 29,303 757,998 345 8,164
Total 63.9 3.5 61.7 338 7,871 58,750 1,622,212 529 12,753
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,205 23,860 1 17
5-14 94.3 33.4 85.3 8 140 9,837 190,952 8 164
15-24 120.9 34.9 153.6 12 457 8,113 244,868 10 298
25-34 70.8 20.4 72.9 12 439 9,327 332,739 17 602
35-44 49.3 9.3 42.0 28 722 10,324 327,783 57 1,719
45-54 63.6 6.3 61.7 102 2,499 11,685 312,941 160 4,047
55-64 62.3 5.8 59.5 114 2,409 6,473 152,407 183 4,047
65-74 64.5 8.7 60.4 55 1,057 1,701 35,283 85 1,748
75-89 99.4 37.6 134.1 7 149 84 1,378 7 111
90+ 0 0 0 0 0 0
Total 63.9 3.5 61.7 338 7,871 58,750 1,622,212 529 12,753
Ultimate Experience By Attained Age
15-19 24.8 24.8 39.2 1 35 4,985 108,815 4 88
20-29 63.6 17.6 69.6 13 308 20,479 443,534 20 442
30-39 63.9 12.3 69.0 27 623 24,419 517,488 42 902
40-49 47.7 7.5 36.6 40 920 21,069 620,181 84 2,511
50-59 59.0 3.8 56.1 237 6,825 33,738 1,030,565 401 12,166
60-69 57.6 2.4 58.1 574 14,740 31,639 819,970 997 25,350
70-79 63.3 2.3 62.4 787 15,271 17,318 346,578 1,242 24,491
80-89 72.7 3.2 72.9 515 8,754 5,113 87,101 708 12,015
90-99 83.8 11.7 80.6 51 786 254 4,067 61 975
100+ 0.0 0.0 0.0 0 0 3 60 2 40
Total 63.0 1.3 61.1 2,245 48,260 159,018 3,978,360 3,562 78,981
GRAND TOTAL 63.1 1.2 61.2 2,583 56,131 217,767 5,600,572 4,091 91,733

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.3     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
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 68.6 39.6 60.6 3 166 2,866 183,139 4 274
2 0.0 0.0 15.4 0 59 2,740 177,235 6 384
3 85.3 34.8 84.1 6 378 2,474 159,329 7 450
4 51.7 25.8 44.9 4 213 2,455 156,359 8 474
5 95.1 33.6 88.7 8 472 2,356 146,952 8 532
6-10 74.5 10.6 78.4 49 3,240 12,043 754,160 66 4,134
11-15 55.9 6.5 59.5 75 4,859 19,674 1,162,686 134 8,161
Total 62.1 5.2 65.1 145 9,386 44,608 2,739,860 233 14,408
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,115 58,577 1 42
5-14 43.2 30.6 41.1 2 100 5,328 280,007 5 243
15-24 132.0 39.8 122.3 11 584 7,051 406,764 8 477
25-34 39.6 15.0 41.8 7 477 10,258 658,952 18 1,142
35-44 45.8 9.5 51.8 23 1,677 9,966 655,641 50 3,239
45-54 62.0 8.4 64.8 55 3,523 8,050 507,392 89 5,439
55-64 72.5 11.9 73.6 37 2,257 2,534 154,036 51 3,066
65-74 79.1 26.4 100.8 9 718 296 17,745 11 712
75-89 170.7 170.7 104.6 1 50 10 746 1 48
90+ 0 0 0 0 0 0
Total 62.1 5.2 65.1 145 9,386 44,608 2,739,860 233 14,408
Ultimate Experience By Attained Age
15-19 84.8 49.0 82.1 3 154 4,371 232,471 4 188
20-29 108.6 32.7 98.7 11 554 10,240 567,303 10 561
30-39 67.2 21.3 60.0 10 500 8,523 477,679 15 833
40-49 62.4 10.9 60.5 33 2,041 12,451 789,914 53 3,376
50-59 55.1 4.3 52.5 167 10,269 25,911 1,676,247 303 19,545
60-69 58.0 3.8 57.2 236 14,304 13,833 854,184 407 25,010
70-79 54.3 5.4 54.0 102 6,148 2,779 168,274 188 11,385
80-89 82.3 12.3 81.3 45 2,718 397 24,266 55 3,343
90-99 68.1 30.5 64.8 5 286 31 1,870 7 442
100+ 0 0 0 0 0 0
Total 58.8 2.4 57.2 612 36,975 78,535 4,792,209 1,041 64,684
GRAND TOTAL 59.4 2.2 58.6 757 46,361 123,143 7,532,069 1,274 79,092

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.4     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
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 55.8 22.8 50.2 6 800 8,338 1,312,870 11 1,593
2 118.5 27.9 92.9 18 2,035 8,030 1,247,630 15 2,191
3 37.5 14.2 42.6 7 1,120 8,140 1,214,660 19 2,629
4 39.3 13.9 45.4 8 1,300 7,680 1,149,814 20 2,864
5 58.4 16.2 52.8 13 1,656 7,475 1,099,853 22 3,135
6-10 51.8 5.8 52.7 80 11,282 35,138 5,041,966 154 21,416
11-15 40.0 4.8 41.1 69 9,230 27,400 3,568,007 172 22,483
Total 48.5 3.4 48.7 201 27,424 102,203 14,634,801 414 56,311
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 346 39,019 0 28
5-14 23.8 23.8 20.6 1 100 5,079 586,943 4 485
15-24 77.2 24.4 78.7 10 1,260 11,900 1,491,734 13 1,600
25-34 43.9 9.6 42.1 21 2,993 29,773 4,601,209 48 7,107
35-44 45.7 6.1 51.9 56 8,980 30,805 4,608,814 123 17,309
45-54 49.7 5.6 45.0 78 9,461 20,069 2,766,398 157 21,006
55-64 43.6 8.6 45.7 26 3,456 3,988 510,538 60 7,554
65-74 80.5 30.4 80.9 7 900 233 29,100 9 1,113
75-89 249.9 176.7 255.4 2 275 8 1,045 1 108
90+ 0 0 0 0 0 0
Total 48.5 3.4 48.7 201 27,424 102,203 14,634,801 414 56,311
Ultimate Experience By Attained Age
15-19 220.6 156.0 191.4 2 200 1,122 129,351 1 105
20-29 71.8 50.8 60.3 2 200 2,800 333,726 3 332
30-39 54.2 27.1 64.5 4 548 4,148 478,797 7 850
40-49 63.3 10.9 66.5 34 4,522 12,429 1,566,673 54 6,801
50-59 52.8 4.4 55.2 141 18,558 23,503 2,963,167 267 33,620
60-69 56.4 4.7 53.6 145 17,186 9,042 1,126,461 257 32,035
70-79 54.5 7.4 56.0 54 7,026 1,460 184,630 99 12,550
80-89 95.4 16.6 97.6 33 4,349 251 32,274 35 4,456
90-99 96.1 48.0 102.4 4 511 16 1,920 4 499
100+ 0.0 0.0 0.0 0 0 1 100 1 100
Total 57.6 2.8 58.1 419 53,102 54,774 6,817,100 728 91,349
GRAND TOTAL 54.3 2.2 54.5 620 80,526 156,976 21,451,901 1,142 147,659

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.5     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
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 37.5 26.5 32.4 2 565 5,060 1,696,266 5 1,744
2 61.2 30.6 96.8 4 2,030 4,566 1,499,421 7 2,097
3 54.0 27.0 62.1 4 1,475 4,334 1,411,180 7 2,377
4 69.3 28.3 64.8 6 1,800 4,353 1,400,779 9 2,777
5 30.4 17.6 26.9 3 825 4,330 1,359,773 10 3,068
6-10 49.6 8.8 44.5 32 8,721 17,809 5,420,700 65 19,595
11-15 56.9 13.4 65.3 18 6,331 5,125 1,548,672 32 9,694
Total 51.5 6.2 52.6 69 21,747 45,577 14,336,792 134 41,352
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 25 6,794 0 5
5-14 236.4 236.4 344.9 1 400 526 144,322 0 116
15-24 38.6 38.6 32.8 1 250 2,689 796,961 3 763
25-34 54.9 15.9 53.1 12 3,650 16,602 5,311,366 22 6,873
35-44 54.8 10.5 50.4 27 7,716 17,346 5,502,824 49 15,302
45-54 52.6 10.5 56.9 25 8,230 7,557 2,315,371 48 14,457
55-64 18.9 13.3 37.7 2 1,251 783 244,052 11 3,318
65-74 62.1 62.1 49.0 1 250 47 14,851 2 511
75-89 0.0 0.0 0.0 0 0 1 250 0 7
90+ 0 0 0 0 0 0
Total 51.5 6.2 52.6 69 21,747 45,577 14,336,792 134 41,352
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 54 15,744 0 12
20-29 0.0 0.0 0.0 0 0 129 38,536 0 38
30-39 0.0 0.0 0.0 0 0 271 82,707 0 147
40-49 38.0 26.8 41.5 2 650 1,202 357,429 5 1,568
50-59 40.8 12.9 37.4 10 2,796 2,148 650,289 25 7,476
60-69 51.2 13.2 46.5 15 4,127 1,004 303,557 29 8,870
70-79 100.2 25.1 112.8 16 5,727 233 73,911 16 5,077
80-89 112.6 37.5 107.6 9 2,837 58 19,043 8 2,636
90-99 0.0 0.0 0.0 0 0 1 265 0 65
100+ 0 0 0 0 0 0
Total 62.0 8.6 62.3 52 16,137 5,100 1,541,481 84 25,888
GRAND TOTAL 55.5 5.0 56.3 121 37,884 50,677 15,878,273 218 67,240

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.6     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
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 36.4 36.4 30.2 1 500 2,890 1,752,260 3 1,654
2 0.0 0.0 0.0 0 0 2,528 1,539,401 3 1,986
3 27.1 27.1 22.5 1 500 2,364 1,427,393 4 2,222
4 49.2 34.8 41.4 2 1,000 2,219 1,310,806 4 2,414
5 83.6 41.8 78.6 4 2,250 2,158 1,281,909 5 2,862
6-10 40.0 12.6 41.3 10 5,950 7,049 4,042,410 25 14,422
11-15 50.6 20.7 43.8 6 3,005 1,638 935,558 12 6,858
Total 43.3 8.8 40.7 24 13,205 20,846 12,289,738 55 32,418
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 4,616 0 3
5-14 746.9 746.9 686.3 1 500 165 90,202 0 73
15-24 136.8 136.8 120.5 1 500 781 446,847 1 415
25-34 20.9 14.8 17.9 2 1,000 8,061 4,766,356 10 5,589
35-44 43.0 14.3 40.9 9 5,000 8,527 5,032,356 21 12,224
45-54 39.2 14.8 33.7 7 3,505 2,921 1,718,697 18 10,400
55-64 56.1 32.4 69.1 3 2,200 362 218,054 5 3,183
65-74 115.1 115.1 94.0 1 500 21 12,610 1 532
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 43.3 8.8 40.7 24 13,205 20,846 12,289,738 55 32,418
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 8 4,748 0 4
20-29 0.0 0.0 0.0 0 0 32 19,728 0 20
30-39 0.0 0.0 0.0 0 0 74 44,464 0 76
40-49 0.0 0.0 0.0 0 0 246 141,353 1 634
50-59 26.5 18.7 23.4 2 1,000 634 359,736 8 4,281
60-69 29.1 16.8 25.7 3 1,524 358 205,467 10 5,927
70-79 60.7 30.4 54.7 4 2,188 92 55,738 7 4,002
80-89 85.8 49.5 76.9 3 1,616 24 14,137 3 2,101
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 41.1 11.9 37.1 12 6,328 1,468 845,371 29 17,046
GRAND TOTAL 42.5 7.1 39.5 36 19,533 22,314 13,135,109 85 49,464

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.7     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
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 0.0 0 0 1,397 2,306,907 1 2,529
2 183.5 106.0 123.8 3 3,500 1,108 1,812,673 2 2,828
3 0.0 0.0 0.0 0 0 992 1,679,113 2 3,217
4 58.6 58.6 38.8 1 1,000 796 1,182,306 2 2,574
5 144.5 83.4 115.2 3 4,017 805 1,303,290 2 3,488
6-10 37.9 18.9 46.1 4 7,986 2,350 3,576,759 11 17,328
11-15 56.4 32.5 55.1 3 4,500 622 977,106 5 8,167
Total 56.7 15.2 52.3 14 21,002 8,070 12,838,155 25 40,130
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 24 26,751 0 22
15-24 453.9 453.9 191.1 1 1,017 236 564,567 0 532
25-34 74.3 52.5 77.2 2 3,000 2,355 3,478,950 3 3,887
35-44 34.5 19.9 22.1 3 3,000 3,685 5,695,621 9 13,560
45-54 43.9 22.0 51.7 4 7,986 1,532 2,627,994 9 15,435
55-64 91.3 52.7 83.9 3 5,000 225 429,396 3 5,962
65-74 149.3 149.3 136.4 1 1,000 13 14,876 1 733
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 56.7 15.2 52.3 14 21,002 8,070 12,838,155 25 40,130
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 3 3,003 0 2
20-29 0.0 0.0 0.0 0 0 13 17,327 0 17
30-39 0.0 0.0 0.0 0 0 27 66,792 0 118
40-49 0.0 0.0 0.0 0 0 72 95,107 0 414
50-59 38.8 38.8 25.3 1 1,000 221 346,192 3 3,953
60-69 23.1 23.1 18.4 1 1,155 144 211,049 4 6,281
70-79 67.9 48.0 54.8 2 2,888 40 71,883 3 5,270
80-89 0.0 0.0 0.0 0 0 4 8,264 1 1,401
90-99 0.0 0.0 0.0 0 0 1 1,000 0 230
100+ 0 0 0 0 0 0
Total 36.1 18.1 28.5 4 5,043 525 820,618 11 17,686
GRAND TOTAL 50.3 11.9 45.0 18 26,046 8,595 13,658,773 36 57,816

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.8     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
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 48.9 48.9 125.2 1 17 2,474 13,265 2 13
2 65.7 46.5 75.7 2 26 2,200 22,142 3 34
3 210.9 94.3 68.8 5 21 1,483 18,870 2 31
4 79.2 56.0 25.5 2 8 1,269 17,772 3 32
5 39.1 39.1 23.8 1 11 992 17,628 3 44
6-10 80.6 23.3 63.8 12 230 3,254 87,757 15 360
11-15 61.7 11.9 67.2 27 514 3,320 100,379 44 764
Total 70.2 9.9 64.6 50 826 14,993 277,813 71 1,278
Select Experience By Issue Age
0-4 0.0 0 0 0 197 0 0
5-14 0.0 0.0 0.0 0 0 22 3,099 0 3
15-24 56.1 56.1 76.9 1 29 2,400 46,234 2 38
25-34 0.0 0.0 58.4 0 36 3,627 67,224 3 62
35-44 90.8 45.4 54.3 4 61 3,139 59,524 4 113
45-54 65.7 23.2 69.2 8 202 3,139 57,898 12 291
55-64 45.7 15.2 46.9 9 178 1,802 32,289 20 380
65-74 76.0 17.4 77.6 19 246 793 10,333 25 317
75-89 166.0 55.3 99.3 9 73 71 1,016 5 73
90+ 0 0 0 0 0 0
Total 70.2 9.9 64.6 50 826 14,993 277,813 71 1,278
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 1,172 0 1
20-29 0.0 0.0 0.0 0 0 275 4,245 0 4
30-39 203.6 144.0 73.4 2 14 855 16,154 1 19
40-49 94.7 47.3 56.3 4 49 2,196 46,313 4 88
50-59 71.0 20.5 46.8 12 139 3,750 66,756 17 297
60-69 46.2 8.0 48.9 33 450 5,383 71,626 72 920
70-79 68.4 5.5 59.2 157 1,250 5,838 55,149 230 2,110
80-89 72.4 4.2 68.0 304 2,084 4,211 31,214 420 3,066
90-99 86.9 8.8 93.0 97 691 544 3,630 112 744
100+ 0.0 0.0 0.0 0 0 6 31 4 17
Total 70.9 2.9 64.4 609 4,677 23,083 296,292 859 7,266
GRAND TOTAL 70.8 2.8 64.4 659 5,503 38,076 574,105 930 8,545

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.9     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
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 90.9 27.4 77.2 11 261 8,241 284,863 12 337
2 89.9 21.8 90.0 17 516 8,673 324,284 19 573
3 66.1 17.1 67.9 15 437 8,113 288,941 23 643
4 61.9 15.5 62.2 16 450 7,957 292,405 26 724
5 75.1 15.7 73.0 23 613 7,739 278,200 31 840
6-10 69.4 5.1 69.3 185 4,887 42,083 1,480,086 267 7,051
11-15 63.6 3.1 58.5 427 10,187 58,227 1,968,027 672 17,405
Total 66.2 2.5 62.9 694 17,351 141,034 4,916,805 1,049 27,573
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 247 6,921 0 5
5-14 0.0 0.0 0.0 0 0 1,795 58,350 2 52
15-24 90.8 22.0 74.6 17 509 21,638 793,973 19 682
25-34 72.6 17.1 61.7 18 686 25,552 1,140,082 25 1,112
35-44 84.0 13.1 69.9 41 1,331 24,559 987,819 49 1,903
45-54 59.7 6.3 57.1 90 2,664 27,914 922,558 151 4,665
55-64 65.5 4.2 63.8 239 5,878 26,346 705,143 365 9,217
65-74 64.7 4.1 61.4 244 5,296 11,996 281,447 377 8,626
75-89 72.8 10.8 75.4 45 988 986 20,503 62 1,310
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 66.2 2.5 62.9 694 17,351 141,034 4,916,805 1,049 27,573
Ultimate Experience By Attained Age
15-19 63.8 45.1 73.8 2 62 3,791 101,442 3 84
20-29 77.0 22.2 85.1 12 328 15,628 387,046 16 385
30-39 77.9 16.2 66.3 23 539 25,581 703,058 30 813
40-49 68.8 9.0 66.6 59 2,153 46,776 1,738,771 86 3,231
50-59 61.2 4.7 61.0 173 6,507 63,487 2,412,450 282 10,673
60-69 53.1 2.5 50.5 453 13,688 66,701 2,164,568 854 27,116
70-79 52.6 1.6 50.6 1,069 25,424 53,110 1,345,727 2,032 50,276
80-89 65.5 1.6 63.8 1,640 33,598 25,960 549,635 2,502 52,666
90-99 82.3 4.4 80.2 349 6,920 2,114 42,971 424 8,628
100+ 30.7 30.7 33.5 1 35 6 184 3 104
Total 60.7 1.0 58.0 3,781 89,253 303,155 9,445,850 6,232 153,977
GRAND TOTAL 61.5 0.9 58.7 4,475 106,604 444,188 14,362,656 7,281 181,550

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.10     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
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 57.2 23.3 46.9 6 315 11,488 761,607 10 671
2 47.5 17.9 46.9 7 462 11,030 754,916 15 986
3 51.8 17.3 58.7 9 663 9,767 655,110 17 1,130
4 54.4 16.4 52.6 11 681 9,311 630,330 20 1,294
5 54.8 15.8 61.9 12 855 8,852 589,003 22 1,382
6-10 61.0 6.0 65.4 105 7,263 41,435 2,820,902 172 11,103
11-15 56.2 4.0 54.7 196 12,156 53,272 3,482,968 349 22,232
Total 57.1 3.1 57.7 346 22,395 145,154 9,694,838 606 38,800
Select Experience By Issue Age
0-4 1230.6 1230.6 1104.0 1 50 110 6,160 0 5
5-14 53.7 53.7 76.1 1 80 2,076 117,506 2 105
15-24 56.2 17.8 80.7 10 883 20,975 1,303,520 18 1,094
25-34 52.3 13.1 55.9 16 1,203 32,886 2,297,229 31 2,151
35-44 56.7 9.6 52.8 35 2,292 32,384 2,286,956 62 4,341
45-54 62.7 6.4 62.8 95 6,181 32,419 2,164,745 151 9,848
55-64 51.2 5.0 52.6 105 6,690 19,323 1,217,193 205 12,714
65-74 59.4 7.0 56.5 73 4,298 4,776 288,297 123 7,602
75-89 64.7 21.6 69.5 9 634 203 13,097 14 913
90+ 240.5 240.5 312.8 1 85 2 135 0 27
Total 57.1 3.1 57.7 346 22,395 145,154 9,694,838 606 38,800
Ultimate Experience By Attained Age
15-19 74.0 74.0 90.0 1 71 1,608 93,698 1 79
20-29 51.8 25.9 50.1 4 218 7,786 438,228 8 434
30-39 52.0 18.4 48.4 8 433 13,291 771,695 15 893
40-49 47.4 7.5 48.2 40 2,756 44,387 2,979,469 84 5,716
50-59 49.2 3.7 47.7 175 12,003 79,760 5,655,471 356 25,155
60-69 51.9 2.7 50.2 378 23,958 60,411 3,993,804 729 47,737
70-79 48.3 2.5 47.3 379 22,785 22,153 1,362,367 785 48,167
80-89 55.4 3.1 55.3 311 19,221 5,887 364,331 561 34,743
90-99 67.8 8.5 65.8 64 3,832 461 28,507 94 5,826
100+ 23.4 23.4 34.4 1 88 8 490 4 255
Total 51.6 1.4 50.5 1,361 85,363 235,752 15,688,059 2,638 169,005
GRAND TOTAL 52.6 1.3 51.9 1,707 107,758 380,906 25,382,897 3,243 207,805

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.11     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
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 62.0 13.9 51.7 20 2,570 37,932 6,243,541 32 4,977
2 44.5 9.9 40.4 20 2,788 38,178 6,224,686 45 6,905
3 58.8 10.1 59.5 34 5,183 39,207 6,284,700 58 8,708
4 54.6 9.2 58.0 35 5,564 36,252 5,868,112 64 9,599
5 46.5 8.2 45.8 32 4,679 34,256 5,481,853 69 10,209
6-10 47.2 3.1 49.4 231 35,357 164,962 25,727,489 490 71,533
11-15 54.7 2.9 53.4 352 47,979 143,319 20,531,837 643 89,809
Total 51.7 1.9 51.6 724 104,121 494,107 76,362,218 1,400 201,738
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 216 26,040 0 19
5-14 0.0 0.0 0.0 0 0 3,723 452,580 3 387
15-24 48.6 11.1 57.2 19 2,917 48,677 6,428,686 39 5,102
25-34 53.6 6.8 51.5 62 9,572 122,924 20,218,891 116 18,572
35-44 51.8 4.5 54.1 134 21,904 145,182 23,812,184 259 40,507
45-54 53.0 3.5 51.4 227 31,835 116,469 17,579,521 428 61,913
55-64 50.4 3.6 50.6 195 26,460 49,615 6,874,822 387 52,321
65-74 49.4 5.8 47.4 72 9,381 7,013 930,118 146 19,800
75-89 66.5 17.2 66.6 15 2,051 286 39,246 23 3,078
90+ 0.0 0.0 0.0 0 0 1 130 0 40
Total 51.7 1.9 51.6 724 104,121 494,107 76,362,218 1,400 201,738
Ultimate Experience By Attained Age
15-19 63.2 63.2 89.7 1 180 1,912 242,956 2 201
20-29 65.8 38.0 69.1 3 384 4,598 560,950 5 556
30-39 94.6 25.3 87.0 14 1,524 12,764 1,511,268 15 1,751
40-49 60.7 6.5 58.9 87 11,213 73,417 9,687,725 143 19,025
50-59 45.8 2.8 43.8 277 35,762 138,214 18,701,242 604 81,665
60-69 46.3 2.3 44.8 392 50,106 73,646 9,743,720 847 111,856
70-79 45.6 2.6 45.0 298 38,330 18,669 2,435,395 653 85,252
80-89 60.0 3.4 58.5 306 39,496 5,293 699,496 510 67,496
90-99 75.7 8.9 76.0 72 9,639 466 62,032 95 12,681
100+ 0.0 0.0 0.0 0 0 3 300 2 181
Total 50.4 1.3 49.0 1,450 186,635 328,981 43,645,084 2,875 380,664
GRAND TOTAL 50.8 1.1 49.9 2,174 290,755 823,088 120,007,302 4,276 582,403

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.12     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
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 47.9 15.1 44.9 10 3,200 30,203 10,676,095 21 7,128
2 44.2 12.8 42.9 12 3,930 28,251 9,886,030 27 9,159
3 49.2 11.9 51.3 17 5,899 29,223 10,076,172 35 11,493
4 63.4 12.7 53.2 25 6,854 29,054 9,796,975 39 12,879
5 45.4 10.2 41.8 20 5,950 28,707 9,535,645 44 14,238
6-10 47.2 4.0 47.5 138 43,380 127,844 40,668,187 293 91,253
11-15 51.5 5.0 48.7 104 30,895 51,164 16,120,665 202 63,499
Total 49.3 2.7 47.7 326 100,107 324,446 106,759,770 661 209,649
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 39 11,452 0 8
5-14 139.2 139.2 130.5 1 262 844 236,046 1 201
15-24 27.1 15.6 36.3 3 1,200 14,970 4,501,191 11 3,306
25-34 43.5 7.6 44.2 33 11,168 90,109 30,557,373 76 25,268
35-44 53.2 5.6 49.3 91 27,483 119,381 40,078,180 171 55,770
45-54 47.0 4.6 46.2 103 31,648 77,229 24,582,036 219 68,533
55-64 51.6 6.3 51.8 68 20,980 19,770 6,142,180 132 40,520
65-74 52.1 11.1 46.1 22 6,065 1,989 614,116 42 13,162
75-89 55.2 24.7 45.1 5 1,300 114 37,198 9 2,880
90+ 0 0 0 0 0 0
Total 49.3 2.7 47.7 326 100,107 324,446 106,759,770 661 209,649
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 337 98,942 0 82
20-29 0.0 0.0 0.0 0 0 863 252,493 1 251
30-39 55.4 55.4 48.6 1 253 1,562 450,388 2 521
40-49 45.8 14.5 39.7 10 2,682 10,965 3,380,363 22 6,759
50-59 36.1 5.8 33.7 39 11,312 24,645 7,678,349 108 33,604
60-69 47.4 5.4 48.1 77 24,278 13,985 4,342,612 162 50,475
70-79 36.2 5.3 38.1 47 15,449 3,686 1,150,260 130 40,530
80-89 52.1 7.2 53.8 53 17,451 1,052 335,634 102 32,413
90-99 58.9 19.6 64.9 9 3,068 77 23,930 15 4,726
100+ 0.0 0.0 0.0 0 0 1 400 0 154
Total 43.5 2.8 43.9 236 74,492 57,172 17,713,372 542 169,515
GRAND TOTAL 46.7 2.0 46.0 562 174,599 381,618 124,473,142 1,203 379,165

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.13     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
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 43.3 16.4 35.9 7 3,616 26,035 16,399,810 16 10,074
2 58.8 17.0 55.7 12 7,050 23,701 14,896,039 20 12,652
3 57.8 15.5 53.6 14 8,021 23,280 14,513,457 24 14,955
4 56.7 14.6 53.7 15 8,680 22,114 13,603,076 26 16,160
5 52.2 13.5 49.7 15 8,650 21,062 12,867,894 29 17,391
6-10 46.2 5.4 45.8 73 43,050 73,633 44,007,146 158 94,090
11-15 43.1 6.6 42.5 43 24,912 23,196 13,546,234 100 58,665
Total 47.9 3.6 46.4 179 103,978 213,021 129,833,655 374 223,988
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,678 0 3
5-14 0.0 0.0 0.0 0 0 212 117,470 0 100
15-24 71.0 41.0 62.8 3 1,500 5,877 3,334,469 4 2,390
25-34 52.2 10.7 49.9 24 13,845 59,693 36,403,261 46 27,749
35-44 50.8 6.8 50.2 55 32,960 89,378 55,085,554 108 65,651
45-54 47.8 6.3 46.1 57 32,739 46,471 28,077,963 119 71,027
55-64 40.8 7.7 39.0 28 15,928 10,302 6,163,774 69 40,810
65-74 37.5 13.3 34.5 8 4,400 1,006 601,880 21 12,744
75-89 68.8 34.4 74.1 4 2,606 74 44,604 6 3,515
90+ 0 0 0 0 0 0
Total 47.9 3.6 46.4 179 103,978 213,021 129,833,655 374 223,988
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 37 21,481 0 18
20-29 0.0 0.0 0.0 0 0 121 69,148 0 69
30-39 0.0 0.0 0.0 0 0 395 226,454 0 262
40-49 32.6 23.0 28.4 2 1,000 3,009 1,723,580 6 3,519
50-59 38.6 10.0 38.7 15 8,719 8,700 5,048,076 39 22,531
60-69 40.7 7.6 40.8 29 17,043 6,068 3,543,669 71 41,723
70-79 20.5 5.7 20.8 13 7,783 1,796 1,056,541 63 37,455
80-89 50.1 9.8 48.3 26 14,509 539 312,806 52 30,054
90-99 57.9 25.9 61.2 5 3,000 42 23,966 9 4,899
100+ 0.0 0.0 0.0 0 0 2 1,047 1 403
Total 37.3 3.9 36.9 90 52,054 20,708 12,026,769 242 140,934
GRAND TOTAL 43.7 2.7 42.8 269 156,033 233,729 141,860,423 615 364,922

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.14     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
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 49.1 22.0 55.8 5 10,425 15,697 27,427,494 10 18,674
2 69.6 23.2 70.6 9 17,250 13,962 24,538,285 13 24,428
3 40.9 16.7 27.6 6 7,512 12,995 23,026,002 15 27,218
4 19.8 11.4 12.8 3 3,500 11,432 19,106,423 15 27,377
5 53.4 17.8 40.5 9 12,500 10,837 18,251,693 17 30,856
6-10 40.0 6.9 33.1 34 49,422 33,710 54,023,398 85 149,135
11-15 37.1 8.1 35.3 21 33,004 10,278 16,161,803 57 93,431
Total 41.1 4.4 36.0 87 133,613 108,912 182,535,097 211 371,120
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4 4,575 0 4
5-14 0.0 0.0 0.0 0 0 73 123,899 0 109
15-24 0.0 0.0 0.0 0 0 1,664 3,051,823 1 2,288
25-34 58.7 18.6 44.4 10 11,074 23,024 33,960,928 17 24,941
35-44 41.5 8.7 34.1 23 30,568 48,333 79,288,746 55 89,522
45-54 48.6 8.3 50.2 34 61,459 28,217 50,906,884 70 122,383
55-64 34.5 8.9 28.4 15 23,500 6,653 13,302,991 43 82,791
65-74 26.8 12.0 20.0 5 7,012 869 1,674,493 19 35,093
75-89 0.0 0.0 0.0 0 0 76 220,758 6 13,988
90+ 0 0 0 0 0 0
Total 41.1 4.4 36.0 87 133,613 108,912 182,535,097 211 371,120
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 9 9,831 0 8
20-29 0.0 0.0 0.0 0 0 32 37,492 0 38
30-39 0.0 0.0 0.0 0 0 155 226,133 0 262
40-49 49.4 49.4 33.1 1 1,000 1,009 1,527,386 2 3,023
50-59 25.5 12.7 19.1 4 4,500 3,466 5,203,833 16 23,578
60-69 32.6 9.8 26.0 11 14,019 2,790 4,361,843 34 53,833
70-79 52.6 11.5 54.4 21 36,009 1,102 1,805,111 40 66,235
80-89 36.2 9.7 40.1 14 28,715 411 773,663 39 71,687
90-99 47.3 27.3 111.3 3 12,065 32 51,552 6 10,836
100+ 0 0 0 0 0 0
Total 39.5 5.4 42.0 54 96,308 9,007 13,996,844 137 229,498
GRAND TOTAL 40.5 3.4 38.3 141 229,921 117,919 196,531,941 348 600,618

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.15     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
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 0.0 212.7 0 21 2,339 8,964 1 10
2 219.0 154.9 244.6 2 17 1,988 13,355 1 7
3 114.4 114.4 157.7 1 29 1,755 16,661 1 18
4 116.1 116.1 113.0 1 13 1,587 18,428 1 11
5 123.3 123.3 70.9 1 7 1,268 17,367 1 10
6-10 65.6 65.6 107.4 1 68 2,498 80,642 2 63
11-15 68.1 24.1 92.8 8 90 2,059 63,426 12 98
Total 77.8 20.8 113.0 14 245 13,494 218,843 18 217
Select Experience By Issue Age
0-4 38.3 38.3 88.8 1 30 8,172 133,036 3 33
5-14 102.4 72.4 91.2 2 38 4,314 67,269 2 41
15-24 0.0 0.0 0.0 0 0 658 11,011 1 9
25-34 0.0 0.0 0.0 0 0 5 979 0 1
35-44 0.0 0.0 0.0 0 0 18 1,094 0 2
45-54 429.8 429.8 273.7 1 19 25 1,361 0 7
55-64 60.2 42.6 114.5 2 38 118 1,799 3 33
65-74 96.5 36.5 135.6 7 85 152 1,793 7 63
75-89 49.4 49.4 133.8 1 34 32 495 2 26
90+ 106.7 0 1 0 7 0 1
Total 77.8 20.8 113.0 14 245 13,494 218,843 18 217
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 810 13,727 1 11
20-29 113.7 43.0 94.4 7 61 6,180 64,899 6 65
30-39 105.6 18.7 107.7 32 207 24,436 155,829 30 192
40-49 86.9 8.9 87.0 95 508 47,938 255,837 109 584
50-59 78.5 3.9 78.7 400 2,223 79,438 442,147 510 2,826
60-69 58.9 1.7 59.2 1,256 7,094 120,798 678,525 2,133 11,991
70-79 64.0 1.1 65.3 3,671 18,744 126,127 638,966 5,736 28,693
80-89 75.2 0.9 78.3 7,744 34,409 97,802 422,169 10,297 43,964
90-99 73.5 1.3 82.2 3,273 12,426 19,819 69,092 4,455 15,115
100+ 9.0 0.8 16.3 119 352 1,990 3,415 1,321 2,155
Total 67.5 0.5 72.0 16,597 76,025 525,338 2,744,606 24,597 105,595
GRAND TOTAL 67.5 0.5 72.1 16,611 76,270 538,832 2,963,449 24,615 105,812

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.16     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
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 69.7 49.3 52.7 2 45 6,280 191,081 3 85
2 89.9 63.6 38.9 2 25 5,784 177,961 2 64
3 220.4 98.6 95.7 5 58 5,756 177,599 2 60
4 171.9 85.9 90.6 4 55 6,100 186,800 2 61
5 98.4 69.6 73.9 2 40 5,792 172,666 2 54
6-10 61.8 25.2 52.4 6 148 29,754 784,059 10 282
11-15 44.3 14.0 37.5 10 227 37,063 974,677 23 605
Total 70.5 12.7 49.3 31 597 96,529 2,664,843 44 1,212
Select Experience By Issue Age
0-4 43.9 15.5 27.9 8 139 65,929 1,782,335 18 499
5-14 48.7 18.4 50.7 7 202 26,346 734,359 14 399
15-24 35.1 35.1 55.8 1 57 3,377 122,260 3 103
25-34 891.1 891.1 244.4 1 15 136 6,056 0 6
35-44 411.3 411.3 76.3 1 10 156 6,437 0 13
45-54 97.3 97.3 40.0 1 15 213 6,419 1 38
55-64 136.9 68.4 89.3 4 66 206 4,469 3 74
65-74 140.5 62.8 80.7 5 58 144 2,228 4 71
75-89 435.1 251.2 393.1 3 35 22 280 1 9
90+ 0 0 0 0 0 0
Total 70.5 12.7 49.3 31 597 96,529 2,664,843 44 1,212
Ultimate Experience By Attained Age
15-19 41.0 13.7 33.4 9 208 28,305 802,876 22 623
20-29 64.2 8.7 60.4 55 1,356 86,550 2,268,508 86 2,245
30-39 88.7 10.0 85.3 78 1,628 72,328 1,571,889 88 1,908
40-49 79.0 8.0 73.9 98 2,859 54,574 1,628,309 124 3,868
50-59 66.2 2.9 57.7 532 15,765 123,336 4,266,778 803 27,336
60-69 58.3 1.5 54.1 1,486 36,463 151,299 4,084,506 2,549 67,367
70-79 58.4 1.2 57.3 2,274 48,339 89,662 1,960,142 3,893 84,318
80-89 74.5 1.3 73.8 3,145 63,596 41,093 841,055 4,220 86,190
90-99 83.2 2.7 83.5 949 19,203 5,315 107,090 1,141 23,001
100+ 31.8 6.5 30.6 24 439 127 2,446 75 1,434
Total 66.5 0.7 63.6 8,650 189,856 652,589 17,533,600 13,001 298,290
GRAND TOTAL 66.5 0.7 63.6 8,681 190,454 749,118 20,198,444 13,045 299,501

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.17     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
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 40.6 34.0 1 50 5,489 328,123 2 147
2 97.6 69.0 101.0 2 124 4,866 292,332 2 123
3 0.0 0.0 0.0 0 0 4,408 265,164 2 113
4 0.0 0.0 0.0 0 0 4,338 260,670 3 151
5 83.8 48.4 69.2 3 150 4,628 275,315 4 217
6-10 54.6 12.5 53.0 19 1,069 25,263 1,453,998 35 2,017
11-15 35.2 9.8 34.4 13 752 20,221 1,163,848 37 2,183
Total 45.2 7.3 43.3 38 2,145 69,214 4,039,450 84 4,950
Select Experience By Issue Age
0-4 54.9 24.6 57.4 5 303 33,737 1,942,957 9 529
5-14 53.5 26.8 53.7 4 241 15,431 923,879 7 449
15-24 80.3 40.2 82.3 4 235 5,976 343,149 5 286
25-34 75.1 37.6 72.4 4 225 5,190 300,461 5 311
35-44 64.5 26.3 61.4 6 350 4,117 247,963 9 570
45-54 21.0 10.5 17.7 4 200 3,114 185,484 19 1,133
55-64 30.2 12.3 29.6 6 340 1,389 80,265 20 1,149
65-74 51.1 25.5 44.3 4 200 246 14,397 8 451
75-89 79.8 79.8 68.0 1 50 15 896 1 74
90+ 0 0 0 0 0 0
Total 45.2 7.3 43.3 38 2,145 69,214 4,039,450 84 4,950
Ultimate Experience By Attained Age
15-19 25.0 25.0 18.6 1 54 5,291 377,710 4 290
20-29 86.3 22.3 91.3 15 1,135 17,558 1,255,170 17 1,242
30-39 62.7 20.9 54.0 9 528 11,810 806,439 14 977
40-49 88.5 22.9 64.6 15 1,066 7,296 680,766 17 1,650
50-59 62.4 7.5 60.5 70 6,904 17,491 1,819,888 112 11,409
60-69 50.0 4.3 48.7 138 11,230 16,804 1,420,615 276 23,065
70-79 55.4 4.2 56.2 171 13,691 7,213 568,742 309 24,360
80-89 73.9 4.9 71.7 226 17,751 2,998 242,177 306 24,763
90-99 88.2 10.3 88.4 73 5,900 387 31,288 83 6,670
100+ 43.0 30.4 44.9 2 136 8 512 5 303
Total 63.0 2.3 61.6 720 58,394 86,856 7,203,306 1,143 94,730
GRAND TOTAL 61.8 2.2 60.7 758 60,539 156,071 11,242,757 1,227 99,680

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.18     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
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 31.1 48.6 1 200 7,715 974,210 3 411
2 36.9 36.9 28.7 1 100 7,097 884,255 3 348
3 79.2 56.0 80.8 2 275 6,268 787,425 3 340
4 0.0 0.0 0.0 0 0 5,922 755,955 3 416
5 74.7 43.2 71.9 3 410 6,075 795,840 4 571
6-10 37.9 11.4 31.9 11 1,350 24,557 3,348,748 29 4,232
11-15 36.9 10.7 30.5 12 1,320 16,632 2,148,772 32 4,329
Total 39.0 7.1 34.3 30 3,655 74,266 9,695,206 77 10,648
Select Experience By Issue Age
0-4 36.5 21.1 40.1 3 400 30,216 3,650,562 8 997
5-14 23.8 16.9 18.9 2 200 20,327 2,533,056 8 1,058
15-24 39.3 27.8 45.9 2 300 6,188 798,913 5 653
25-34 25.3 17.9 16.3 2 200 7,492 1,169,298 8 1,224
35-44 66.9 22.3 61.2 9 1,275 5,888 939,935 13 2,084
45-54 23.0 11.5 18.1 4 450 3,123 464,518 17 2,488
55-64 26.8 15.4 20.4 3 300 866 117,633 11 1,468
65-74 84.7 42.4 69.5 4 410 157 20,005 5 590
75-89 163.9 163.9 142.6 1 120 9 1,285 1 84
90+ 0 0 0 0 0 0
Total 39.0 7.1 34.3 30 3,655 74,266 9,695,206 77 10,648
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,137 299,423 2 226
20-29 54.7 31.6 63.6 3 498 5,550 790,497 5 782
30-39 40.3 28.5 47.3 2 308 4,043 532,849 5 652
40-49 48.4 15.3 62.9 10 1,693 8,802 1,131,177 21 2,693
50-59 49.9 8.3 50.8 36 5,586 11,963 1,801,667 72 10,995
60-69 42.8 6.1 38.0 49 7,004 7,147 1,143,094 115 18,438
70-79 47.9 6.6 51.2 52 9,341 2,530 425,177 109 18,235
80-89 72.2 7.9 69.7 83 13,968 1,127 195,976 115 20,029
90-99 66.0 15.6 72.7 18 3,576 127 22,931 27 4,919
100+ 71.6 71.6 55.7 1 100 3 380 1 180
Total 53.9 3.4 54.5 254 42,073 43,428 6,343,170 472 77,149
GRAND TOTAL 51.8 3.1 52.1 284 45,728 117,694 16,038,376 549 87,796

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.19     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
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 50.3 22.5 51.2 5 1,450 12,088 3,458,577 10 2,830
2 28.8 14.4 36.6 4 1,450 11,849 3,417,039 14 3,965
3 39.7 15.0 39.7 7 2,025 11,392 3,326,653 18 5,097
4 54.1 20.5 52.2 7 1,975 7,756 2,305,054 13 3,783
5 59.0 24.1 54.7 6 1,650 6,013 1,815,074 10 3,019
6-10 39.7 11.5 40.9 12 3,780 13,791 4,319,766 30 9,248
11-15 0.0 0.0 18.1 0 250 1,910 642,405 4 1,381
Total 41.5 6.5 42.9 41 12,580 64,800 19,284,568 99 29,323
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,209 1,238,191 1 329
5-14 140.0 99.0 163.7 2 725 3,581 1,074,918 1 443
15-24 55.7 55.7 77.0 1 400 2,611 751,441 2 519
25-34 31.2 18.0 31.4 3 950 14,105 4,344,038 10 3,029
35-44 30.3 12.4 33.1 6 2,025 19,061 5,756,880 20 6,109
45-54 43.3 10.8 43.2 16 4,675 16,114 4,656,333 37 10,833
55-64 48.8 14.1 50.3 12 3,555 4,824 1,378,532 25 7,075
65-74 29.3 29.3 25.4 1 250 295 84,233 3 986
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 41.5 6.5 42.9 41 12,580 64,800 19,284,568 99 29,323
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 255 88,541 0 68
20-29 0.0 0.0 0.0 0 0 542 196,201 1 194
30-39 0.0 0.0 0.0 0 0 279 97,367 0 119
40-49 0.0 0.0 0.0 0 0 323 105,143 1 250
50-59 20.8 20.8 26.1 1 500 773 305,890 5 1,918
60-69 47.0 21.0 30.4 5 1,403 646 280,005 11 4,611
70-79 36.1 14.7 29.5 6 2,053 383 161,072 17 6,962
80-89 30.8 12.6 45.7 6 3,734 193 80,738 19 8,177
90-99 65.2 46.1 121.9 2 1,711 16 6,981 3 1,404
100+ 0 0 0 0 0 0
Total 35.4 7.9 39.7 20 9,401 3,411 1,321,938 56 23,704
GRAND TOTAL 39.3 5.0 41.5 61 21,982 68,211 20,606,506 155 53,027

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.20     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
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 52.3 30.2 48.2 3 1,540 8,344 4,654,720 6 3,197
2 25.4 18.0 22.9 2 1,000 8,224 4,596,121 8 4,366
3 32.3 18.7 33.7 3 1,750 7,595 4,244,166 9 5,186
4 40.6 23.4 44.5 3 1,850 5,171 2,921,556 7 4,158
5 23.0 16.3 20.4 2 1,000 4,929 2,799,541 9 4,899
6-10 44.7 13.5 44.9 11 6,250 10,984 6,285,710 25 13,921
11-15 0.0 0.0 0.0 0 0 747 449,410 2 1,006
Total 36.7 7.5 36.5 24 13,390 45,994 25,951,223 65 36,734
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,254 753,796 0 199
5-14 0.0 0.0 0.0 0 0 1,353 855,602 1 382
15-24 364.2 210.3 327.5 3 1,500 1,220 677,156 1 458
25-34 94.6 33.5 95.2 8 4,540 12,683 7,131,158 8 4,768
35-44 35.0 14.3 34.6 6 3,350 17,235 9,707,868 17 9,689
45-54 17.0 8.5 15.6 4 2,050 9,918 5,520,027 23 13,156
55-64 23.5 13.6 27.4 3 1,950 2,196 1,230,902 13 7,127
65-74 0.0 0.0 0.0 0 0 135 74,714 2 956
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 36.7 7.5 36.5 24 13,390 45,994 25,951,223 65 36,734
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 55 37,198 0 28
20-29 0.0 0.0 0.0 0 0 148 99,945 0 99
30-39 0.0 0.0 0.0 0 0 58 39,582 0 48
40-49 0.0 0.0 0.0 0 0 64 38,814 0 92
50-59 169.9 120.2 134.1 2 1,110 187 129,635 1 828
60-69 0.0 0.0 0.0 0 0 176 135,101 3 2,350
70-79 39.6 28.0 29.4 2 1,165 118 91,108 5 3,962
80-89 87.3 35.7 80.9 6 4,536 66 53,706 7 5,604
90-99 95.7 95.7 59.6 1 584 5 4,708 1 980
100+ 0 0 0 0 0 0
Total 62.7 18.9 52.8 11 7,394 878 629,797 18 13,991
GRAND TOTAL 42.2 7.1 41.0 35 20,784 46,872 26,581,020 83 50,725

Thomson Data Analysis Fri Mar 20 12:38:35 2015


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 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 0.0 0 0 3,467 5,140,212 3 3,944
2 55.0 38.9 39.5 2 2,000 3,352 4,452,352 4 5,058
3 0.0 0.0 0.0 0 0 3,099 4,456,246 4 7,094
4 0.0 0.0 0.0 0 0 2,346 3,315,515 5 6,995
5 49.7 35.1 32.2 2 2,000 1,872 2,773,962 4 6,216
6-10 108.0 30.0 87.2 13 16,100 4,403 6,409,343 12 18,456
11-15 0.0 0.0 0.0 0 0 277 548,757 1 1,033
Total 53.3 12.9 41.2 17 20,100 18,815 27,096,386 32 48,795
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 424 797,318 0 191
5-14 0.0 0.0 0.0 0 0 535 1,178,043 0 528
15-24 1422.3 821.1 784.2 3 3,000 300 522,357 0 383
25-34 79.9 56.5 65.8 2 2,000 3,859 4,654,727 3 3,040
35-44 81.0 33.1 87.5 6 8,800 7,301 9,883,419 7 10,056
45-54 40.0 17.9 27.1 5 5,300 4,991 7,720,931 13 19,581
55-64 13.1 13.1 8.0 1 1,000 1,295 2,128,460 8 12,427
65-74 0.0 0.0 0.0 0 0 112 211,131 1 2,590
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 53.3 12.9 41.2 17 20,100 18,815 27,096,386 32 48,795
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 16 31,797 0 25
20-29 0.0 0.0 0.0 0 0 66 133,759 0 132
30-39 0.0 0.0 0.0 0 0 19 26,854 0 32
40-49 0.0 0.0 0.0 0 0 12 27,548 0 77
50-59 378.9 378.9 543.5 1 3,000 45 88,111 0 552
60-69 0.0 0.0 0.0 0 0 55 107,308 1 1,691
70-79 0.0 0.0 0.0 0 0 37 67,065 2 2,979
80-89 115.5 66.7 113.8 3 6,126 25 49,027 3 5,382
90-99 0.0 0.0 0.0 0 0 4 6,971 1 1,378
100+ 0 0 0 0 0 0
Total 63.1 31.6 74.5 4 9,126 278 538,439 6 12,247
GRAND TOTAL 54.9 12.0 47.9 21 29,226 19,093 27,634,824 38 61,042

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.22     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
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 41.9 0 1 316 1,984 0 3
2 0.0 0.0 34.6 0 3 403 3,470 1 8
3 153.0 153.0 183.3 1 13 282 3,165 1 7
4 339.0 195.7 189.2 3 18 320 3,842 1 10
5 112.0 112.0 68.0 1 8 259 3,792 1 12
6-10 57.5 33.2 70.1 3 77 1,116 26,168 5 110
11-15 98.5 23.9 93.4 17 291 1,648 51,180 17 312
Total 95.6 19.1 89.2 25 412 4,344 93,601 26 462
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 31 2,057 0 1
5-14 0.0 0.0 0.0 0 0 263 8,733 0 3
15-24 0.0 0.0 90.6 0 7 568 12,825 0 8
25-34 0.0 0.0 15.4 0 4 754 17,963 1 26
35-44 169.8 75.9 118.9 5 101 894 21,195 3 85
45-54 99.3 35.1 77.0 8 134 1,114 21,527 8 174
55-64 40.1 23.2 76.9 3 84 535 7,585 7 110
65-74 135.1 47.8 146.1 8 74 177 1,624 6 51
75-89 164.5 164.5 128.6 1 8 7 91 1 6
90+ 0 0 0 0 0 0
Total 95.6 19.1 89.2 25 412 4,344 93,601 26 462
Ultimate Experience By Attained Age
15-19 1050.3 1050.3 331.0 1 11 293 10,006 0 3
20-29 0.0 0.0 131.4 0 8 992 15,981 0 6
30-39 0.0 0.0 67.2 0 9 1,041 12,547 1 13
40-49 43.7 30.9 64.4 2 47 1,536 24,427 5 73
50-59 47.4 14.3 91.2 11 257 3,331 41,687 23 282
60-69 73.7 9.5 65.5 60 422 5,018 40,973 81 645
70-79 92.1 6.8 104.3 185 1,154 5,183 29,141 201 1,107
80-89 90.8 5.3 101.8 293 1,306 3,786 15,521 323 1,283
90-99 76.7 7.6 97.8 103 322 737 1,863 134 329
100+ 19.4 8.7 7.5 5 2 46 45 26 28
Total 83.1 3.2 93.9 660 3,539 21,963 192,190 794 3,769
GRAND TOTAL 83.5 3.2 93.4 685 3,950 26,306 285,792 821 4,231

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.23     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
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 71.3 41.2 49.1 3 50 2,428 69,724 4 102
2 111.3 42.1 78.7 7 130 2,485 75,994 6 165
3 98.2 34.7 129.6 8 248 2,577 74,114 8 191
4 61.5 25.1 79.5 6 187 2,755 79,237 10 236
5 52.1 21.3 46.8 6 125 2,866 79,130 12 267
6-10 98.1 10.6 99.2 86 1,968 17,113 447,600 88 1,984
11-15 89.0 6.2 85.9 209 4,404 32,531 805,436 235 5,126
Total 89.7 5.0 88.1 325 7,112 62,756 1,631,235 363 8,071
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,152 22,087 0 7
5-14 0.0 0.0 0.0 0 0 8,785 172,118 3 56
15-24 47.3 33.5 35.4 2 45 7,367 218,352 4 127
25-34 51.1 20.9 54.9 6 215 8,668 289,783 12 391
35-44 102.7 15.0 106.0 47 1,371 11,978 352,390 46 1,294
45-54 80.4 8.3 80.6 93 2,187 14,926 373,694 116 2,713
55-64 96.6 9.0 95.9 115 2,239 7,868 165,528 119 2,335
65-74 94.3 13.0 88.2 53 909 1,896 35,384 56 1,030
75-89 134.9 45.0 124.8 9 146 117 1,898 7 117
90+ 0 0 0 0 0 0
Total 89.7 5.0 88.1 325 7,112 62,756 1,631,235 363 8,071
Ultimate Experience By Attained Age
15-19 0.0 0.0 44.1 0 14 4,653 102,010 1 33
20-29 80.9 33.0 54.2 6 85 18,552 395,533 7 157
30-39 46.9 14.8 72.6 10 338 22,195 473,836 21 466
40-49 65.9 9.8 66.9 45 1,352 22,973 676,396 68 2,021
50-59 85.0 5.5 86.9 235 6,523 40,914 1,123,765 276 7,510
60-69 84.2 3.9 85.2 461 9,963 35,089 766,704 547 11,693
70-79 106.8 4.2 105.1 655 10,562 17,056 283,843 614 10,049
80-89 104.1 5.1 105.7 410 6,084 4,941 72,278 394 5,754
90-99 126.0 14.7 133.3 73 1,225 338 5,326 58 919
100+ 0.0 0.0 0.0 0 0 5 106 3 67
Total 95.2 2.2 93.5 1,895 36,147 166,716 3,899,796 1,991 38,668
GRAND TOTAL 94.3 2.0 92.6 2,220 43,259 229,472 5,531,031 2,353 46,738

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.24     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
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 0.0 0 0 2,034 126,908 2 131
2 98.6 56.9 101.7 3 199 2,124 135,125 3 196
3 83.6 48.3 85.8 3 196 2,025 126,934 4 228
4 93.2 46.6 98.3 4 265 2,224 137,992 4 270
5 179.9 63.6 152.2 8 430 2,126 132,117 4 283
6-10 59.0 13.5 53.7 19 1,088 11,058 681,447 32 2,026
11-15 97.0 11.6 94.2 70 4,108 19,720 1,145,695 72 4,361
Total 87.8 8.5 83.9 107 6,286 41,310 2,486,218 122 7,494
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,043 54,854 0 17
5-14 293.2 131.1 279.1 5 250 5,204 273,428 2 90
15-24 74.6 43.1 66.6 3 150 7,244 406,911 4 225
25-34 49.3 20.1 40.5 6 310 9,458 594,470 12 766
35-44 76.1 15.5 82.6 24 1,625 9,153 583,673 32 1,969
45-54 79.6 13.9 75.3 33 1,915 6,868 431,185 41 2,543
55-64 122.9 23.6 114.9 27 1,519 2,036 123,158 22 1,322
65-74 111.6 37.2 101.2 9 516 296 17,961 8 510
75-89 0.0 0.0 0.0 0 0 8 577 1 52
90+ 0 0 0 0 0 0
Total 87.8 8.5 83.9 107 6,286 41,310 2,486,218 122 7,494
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 4,394 233,163 1 75
20-29 79.8 46.1 72.9 3 152 9,753 539,414 4 208
30-39 58.9 26.3 53.2 5 250 8,561 472,877 8 470
40-49 76.2 11.9 72.3 41 2,356 17,560 1,058,621 54 3,258
50-59 66.3 6.3 67.8 111 6,917 26,049 1,587,617 167 10,199
60-69 89.1 8.4 87.4 112 6,391 8,818 515,264 126 7,316
70-79 96.5 15.5 95.0 39 2,229 1,204 69,579 40 2,347
80-89 83.6 20.3 91.1 17 1,112 254 15,144 20 1,220
90-99 128.9 74.4 138.2 3 182 14 791 2 132
100+ 0 0 0 0 0 0
Total 78.1 4.3 77.7 331 19,587 76,606 4,492,471 424 25,224
GRAND TOTAL 80.3 3.8 79.1 438 25,873 117,916 6,978,689 546 32,718

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.25     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
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 96.5 43.1 93.7 5 700 5,779 901,280 5 747
2 82.6 33.7 77.4 6 800 5,691 872,443 7 1,034
3 74.4 28.1 93.5 7 1,230 6,079 893,366 9 1,315
4 112.8 34.0 139.8 11 1,926 5,758 841,377 10 1,378
5 75.7 26.8 83.5 8 1,225 5,661 821,577 11 1,466
6-10 65.1 9.5 62.9 47 6,228 27,494 3,843,558 72 9,902
11-15 65.4 9.2 74.7 51 7,540 21,677 2,729,147 78 10,091
Total 70.2 6.0 75.8 135 19,650 78,140 10,902,749 192 25,932
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 365 40,946 0 12
5-14 65.6 65.6 57.0 1 100 4,862 560,150 2 176
15-24 38.7 27.4 64.4 2 411 10,657 1,347,985 5 639
25-34 48.4 14.0 60.0 12 2,113 22,299 3,367,566 25 3,524
35-44 64.3 10.4 74.2 38 6,028 21,902 3,168,287 59 8,124
45-54 72.4 10.6 73.7 47 6,281 14,810 1,995,095 65 8,527
55-64 107.4 20.7 105.2 27 3,448 2,901 375,278 25 3,278
65-74 41.8 20.9 50.3 4 669 319 43,545 10 1,331
75-89 196.0 98.0 187.1 4 600 24 3,896 2 321
90+ 0 0 0 0 0 0
Total 70.2 6.0 75.8 135 19,650 78,140 10,902,749 192 25,932
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,232 140,164 0 45
20-29 182.1 128.8 154.6 2 200 2,779 327,901 1 129
30-39 91.7 45.9 81.2 4 400 4,292 483,852 4 493
40-49 49.4 12.0 47.6 17 2,001 11,313 1,377,460 34 4,203
50-59 61.3 8.6 63.4 51 6,441 13,194 1,617,388 83 10,167
60-69 83.8 13.4 88.3 39 4,924 3,279 392,989 47 5,576
70-79 76.1 21.1 71.9 13 1,572 482 61,314 17 2,187
80-89 79.3 22.9 72.1 12 1,417 177 22,984 15 1,966
90-99 181.0 73.9 154.9 6 600 19 2,249 3 387
100+ 0 0 0 0 0 0
Total 70.1 5.8 69.8 144 17,555 36,766 4,426,301 205 25,155
GRAND TOTAL 70.1 4.2 72.8 279 37,205 114,906 15,329,049 398 51,087

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.26     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
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 0.0 0 0 2,977 962,795 2 621
2 0.0 0.0 0.0 0 0 2,795 883,859 3 868
3 61.7 43.6 65.8 2 650 2,801 870,240 3 989
4 55.7 39.4 78.2 2 850 2,753 842,097 4 1,087
5 0.0 0.0 22.9 0 300 2,837 860,138 4 1,308
6-10 58.9 15.7 62.4 14 4,400 10,750 3,181,039 24 7,049
11-15 99.2 29.9 102.6 11 3,385 2,559 742,881 11 3,298
Total 57.2 10.6 63.0 29 9,585 27,472 8,343,049 51 15,219
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 27 7,142 0 2
5-14 0.0 0.0 0.0 0 0 508 138,843 0 43
15-24 117.4 117.4 103.5 1 250 2,224 636,952 1 241
25-34 37.3 21.5 32.6 3 800 10,298 3,207,453 8 2,451
35-44 64.1 18.5 79.8 12 4,454 9,576 2,902,181 19 5,581
45-54 33.3 14.9 33.7 5 1,500 4,222 1,258,176 15 4,445
55-64 85.4 42.7 82.4 4 1,210 543 168,367 5 1,468
65-74 126.2 72.8 147.2 3 1,121 67 21,974 2 762
75-89 118.3 118.3 110.3 1 250 7 1,962 1 227
90+ 0 0 0 0 0 0
Total 57.2 10.6 63.0 29 9,585 27,472 8,343,049 51 15,219
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 60 17,497 0 6
20-29 0.0 0.0 0.0 0 0 131 38,078 0 15
30-39 0.0 0.0 0.0 0 0 180 54,687 0 54
40-49 72.0 72.0 60.4 1 250 451 133,800 1 414
50-59 95.1 47.5 97.1 4 1,237 664 200,635 4 1,273
60-69 95.2 55.0 93.8 3 888 220 66,037 3 947
70-79 0.0 0.0 0.0 0 0 72 22,824 3 847
80-89 158.9 91.7 141.5 3 800 22 6,723 2 566
90-99 0.0 0.0 0.0 0 0 3 975 1 192
100+ 0 0 0 0 0 0
Total 77.8 23.5 73.6 11 3,174 1,803 541,256 14 4,314
GRAND TOTAL 61.7 9.7 65.3 40 12,759 29,275 8,884,305 65 19,533

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.27     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
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 0.0 0 0 1,245 735,734 1 416
2 0.0 0.0 0.0 0 0 1,149 667,050 1 600
3 93.1 93.1 79.9 1 500 1,071 612,618 1 626
4 0.0 0.0 0.0 0 0 1,028 588,868 1 706
5 76.0 76.0 64.7 1 500 912 514,067 1 773
6-10 32.8 23.2 29.2 2 1,020 2,665 1,481,203 6 3,495
11-15 0.0 0.0 0.0 0 0 538 308,608 3 1,623
Total 28.2 14.1 24.5 4 2,020 8,609 4,908,148 14 8,238
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 5,202 0 2
5-14 0.0 0.0 0.0 0 0 172 90,722 0 28
15-24 0.0 0.0 0.0 0 0 531 290,243 0 97
25-34 43.5 43.5 38.4 1 500 3,583 2,032,683 2 1,302
35-44 61.4 35.5 54.8 3 1,520 3,024 1,722,552 5 2,772
45-54 0.0 0.0 0.0 0 0 1,096 644,813 4 2,295
55-64 0.0 0.0 0.0 0 0 154 95,989 1 921
65-74 0.0 0.0 0.0 0 0 36 24,444 1 641
75-89 0.0 0.0 0.0 0 0 3 1,500 0 180
90+ 0 0 0 0 0 0
Total 28.2 14.1 24.5 4 2,020 8,609 4,908,148 14 8,238
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 13 7,068 0 2
20-29 0.0 0.0 0.0 0 0 26 15,488 0 6
30-39 0.0 0.0 0.0 0 0 50 29,386 0 27
40-49 0.0 0.0 0.0 0 0 66 38,920 0 121
50-59 0.0 0.0 0.0 0 0 120 68,972 1 458
60-69 97.4 97.4 251.0 1 1,509 69 40,453 1 601
70-79 0.0 0.0 0.0 0 0 21 12,382 1 532
80-89 0.0 0.0 0.0 0 0 15 9,014 1 715
90-99 258.3 258.3 258.2 1 513 2 1,027 0 199
100+ 0 0 0 0 0 0
Total 43.8 31.0 76.0 2 2,022 383 222,710 5 2,661
GRAND TOTAL 32.0 13.1 37.1 6 4,042 8,992 5,130,858 19 10,899

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.28     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
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 0.0 0 0 273 450,625 0 344
2 0.0 0.0 0.0 0 0 235 455,915 0 544
3 0.0 0.0 0.0 0 0 209 355,408 0 736
4 0.0 0.0 0.0 0 0 197 263,451 0 492
5 0.0 0.0 0.0 0 0 170 308,585 0 591
6-10 62.9 62.9 31.6 1 1,000 496 820,700 2 3,166
11-15 0.0 0.0 0.0 0 0 155 292,142 1 2,085
Total 23.2 23.2 12.6 1 1,000 1,736 2,946,827 4 7,958
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 2,300 0 1
5-14 0.0 0.0 0.0 0 0 23 30,407 0 10
15-24 0.0 0.0 0.0 0 0 84 194,430 0 65
25-34 274.5 274.5 162.2 1 1,000 572 922,267 0 617
35-44 0.0 0.0 0.0 0 0 634 959,221 1 1,797
45-54 0.0 0.0 0.0 0 0 322 617,192 1 2,522
55-64 0.0 0.0 0.0 0 0 76 180,168 1 1,695
65-74 0.0 0.0 0.0 0 0 19 27,941 1 661
75-89 0.0 0.0 0.0 0 0 4 12,900 0 592
90+ 0 0 0 0 0 0
Total 23.2 23.2 12.6 1 1,000 1,736 2,946,827 4 7,958
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 5 8,593 0 4
30-39 0.0 0.0 0.0 0 0 19 32,208 0 35
40-49 0.0 0.0 0.0 0 0 44 105,286 0 304
50-59 0.0 0.0 0.0 0 0 50 72,725 0 484
60-69 0.0 0.0 0.0 0 0 28 35,287 0 574
70-79 0.0 0.0 0.0 0 0 13 25,585 1 1,078
80-89 0.0 0.0 0.0 0 0 15 24,970 1 1,805
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 175 304,655 3 4,284
GRAND TOTAL 14.4 14.4 8.2 1 1,000 1,911 3,251,482 7 12,242

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.29     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
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 2.1 0 0 2,503 13,108 2 9
2 120.8 69.7 78.3 3 17 2,157 21,223 2 22
3 0.0 0.0 24.6 0 5 1,577 20,784 2 22
4 241.0 107.8 138.8 5 34 1,476 21,633 2 25
5 90.1 63.7 90.3 2 26 1,164 19,873 2 29
6-10 57.0 20.2 53.8 8 158 3,461 100,995 14 293
11-15 79.0 12.6 74.9 39 554 4,552 129,389 49 740
Total 77.5 10.3 69.8 57 795 16,891 327,005 74 1,139
Select Experience By Issue Age
0-4 0.0 0 0 0 280 0 0
5-14 0.0 0.0 0.0 0 0 20 3,090 0 1
15-24 0.0 0.0 50.6 0 8 2,103 45,777 1 15
25-34 0.0 0.0 31.9 0 14 3,720 78,815 2 44
35-44 141.2 63.2 103.1 5 99 3,606 73,446 4 96
45-54 70.2 24.8 60.5 8 158 3,804 73,339 11 261
55-64 76.6 19.8 59.3 15 194 2,401 38,633 20 327
65-74 70.7 15.8 76.7 20 239 1,093 12,296 28 312
75-89 104.1 34.7 99.8 9 83 144 1,330 9 83
90+ 0 0 0 0 0 0
Total 77.5 10.3 69.8 57 795 16,891 327,005 74 1,139
Ultimate Experience By Attained Age
15-19 0.0 0.0 721.6 0 3 26 1,325 0 0
20-29 0.0 0.0 412.4 0 8 301 4,493 0 2
30-39 0.0 0.0 105.4 0 10 970 15,279 1 9
40-49 102.3 59.1 90.9 3 56 2,262 47,624 3 62
50-59 66.1 22.0 83.3 9 193 4,811 83,164 14 231
60-69 58.4 10.2 59.9 33 434 7,077 93,632 57 724
70-79 49.1 4.8 48.7 104 869 8,462 73,789 212 1,784
80-89 81.0 4.0 81.0 405 2,629 7,108 46,902 500 3,245
90-99 83.8 6.4 84.3 174 984 1,252 7,070 208 1,168
100+ 25.6 25.6 40.0 1 8 8 44 4 19
Total 73.1 2.7 71.7 729 5,193 32,278 373,321 997 7,244
GRAND TOTAL 73.4 2.6 71.4 786 5,987 49,169 700,327 1,071 8,383

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.30     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
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 28.8 14.4 19.7 4 70 11,216 371,993 14 356
2 54.5 16.4 66.1 11 347 11,143 380,552 20 525
3 79.2 18.2 85.6 19 520 10,588 356,365 24 607
4 34.7 11.0 54.2 10 394 10,765 370,310 29 726
5 46.4 12.0 39.2 15 315 10,381 351,246 32 803
6-10 60.4 4.6 51.8 175 3,579 57,637 1,863,681 290 6,907
11-15 56.0 2.8 51.7 414 8,875 82,799 2,561,099 740 17,174
Total 56.4 2.2 52.0 648 14,100 194,530 6,255,246 1,149 27,100
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 240 7,029 0 2
5-14 0.0 0.0 0.0 0 0 1,698 55,816 1 19
15-24 48.3 24.1 35.7 4 111 23,245 870,957 8 312
25-34 75.6 20.2 53.0 14 430 31,889 1,384,530 19 812
35-44 78.3 13.4 67.8 34 1,074 31,523 1,207,356 43 1,583
45-54 61.7 6.2 61.5 98 2,637 43,980 1,286,002 159 4,289
55-64 55.5 3.8 49.1 208 4,156 41,672 1,001,008 375 8,459
65-74 50.8 3.5 46.4 217 4,266 18,217 400,312 427 9,189
75-89 62.3 7.3 58.5 73 1,426 2,064 42,237 117 2,435
90+ 0 0 0 0 0 0
Total 56.4 2.2 52.0 648 14,100 194,530 6,255,246 1,149 27,100
Ultimate Experience By Attained Age
15-19 87.4 87.4 44.6 1 14 3,489 95,685 1 31
20-29 82.9 37.1 90.2 5 137 15,204 384,652 6 152
30-39 65.9 20.8 63.0 10 274 25,146 709,960 15 435
40-49 83.2 11.2 82.5 55 1,982 52,449 1,900,921 66 2,403
50-59 63.8 5.3 63.2 143 4,679 80,468 2,694,639 224 7,409
60-69 56.5 2.9 54.8 391 9,701 88,637 2,329,764 692 17,708
70-79 52.7 1.9 52.7 792 15,510 63,574 1,273,670 1,504 29,439
80-89 68.6 1.8 65.7 1,519 24,397 32,781 553,750 2,213 37,142
90-99 84.0 3.8 83.8 491 8,326 3,676 62,366 584 9,937
100+ 66.3 29.7 75.9 5 124 13 282 8 164
Total 64.2 1.1 62.1 3,412 65,144 365,437 10,005,688 5,314 104,820
GRAND TOTAL 62.8 1.0 60.1 4,060 79,244 559,967 16,260,934 6,462 131,920

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.31     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
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 74.7 28.2 73.3 7 432 15,136 972,365 9 589
2 88.1 26.6 114.5 11 900 14,032 908,752 12 786
3 34.7 15.5 41.0 5 370 12,433 800,386 14 902
4 66.4 20.0 83.2 11 845 11,851 774,072 17 1,016
5 51.1 17.0 43.6 9 475 11,164 721,503 18 1,091
6-10 62.6 6.8 65.7 86 5,708 50,968 3,358,271 137 8,692
11-15 56.2 4.4 53.5 164 9,751 66,682 4,192,590 292 18,223
Total 58.6 3.4 59.0 293 18,482 182,266 11,727,940 500 31,299
Select Experience By Issue Age
0-4 3287.1 3287.1 5487.4 1 98 100 5,844 0 2
5-14 0.0 0.0 0.0 0 0 2,220 124,442 1 42
15-24 57.4 25.6 56.8 5 300 24,829 1,524,240 9 528
25-34 69.7 16.9 79.8 17 1,322 44,708 3,001,869 24 1,655
35-44 74.2 11.7 80.6 40 2,856 42,873 2,862,445 54 3,545
45-54 50.9 6.6 54.8 59 3,923 40,188 2,548,107 116 7,157
55-64 56.8 6.4 57.0 79 4,791 20,919 1,266,402 139 8,404
65-74 51.8 6.5 46.8 63 3,589 5,911 361,089 122 7,670
75-89 82.2 15.3 70.2 29 1,603 517 33,425 35 2,283
90+ 0.0 0.0 0.0 0 0 1 75 0 12
Total 58.6 3.4 59.0 293 18,482 182,266 11,727,940 500 31,299
Ultimate Experience By Attained Age
15-19 176.7 176.7 153.1 1 50 1,705 99,030 1 33
20-29 64.1 45.3 66.2 2 116 8,053 453,353 3 176
30-39 44.7 22.4 41.7 4 217 14,519 843,219 9 521
40-49 56.6 8.9 57.9 40 2,649 54,917 3,541,706 71 4,577
50-59 57.2 5.0 58.3 133 8,799 85,547 5,576,025 232 15,105
60-69 55.2 4.0 56.2 187 11,476 47,931 2,910,351 339 20,414
70-79 56.4 4.7 58.5 145 8,740 11,929 692,428 257 14,936
80-89 55.9 4.6 55.4 148 8,874 3,827 230,696 265 16,029
90-99 68.1 8.4 66.3 66 3,914 589 35,855 97 5,905
100+ 0.0 0.0 0.0 0 0 4 342 2 138
Total 56.9 2.1 57.6 726 44,836 229,019 14,383,007 1,275 77,833
GRAND TOTAL 57.4 1.8 58.0 1,019 63,318 411,286 26,110,946 1,775 109,132

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.32     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
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 31.3 11.8 43.9 7 1,480 45,162 7,350,020 22 3,371
2 47.1 12.2 42.1 15 1,997 45,885 7,304,564 32 4,749
3 67.6 12.8 67.5 28 4,078 47,329 7,381,315 41 6,039
4 49.3 10.5 49.1 22 3,200 44,471 6,984,590 45 6,514
5 57.9 11.1 59.7 27 4,002 41,912 6,482,816 47 6,699
6-10 59.0 4.2 60.3 198 28,734 190,788 28,668,395 335 47,644
11-15 54.4 3.4 55.4 260 35,699 154,468 21,053,884 478 64,410
Total 55.7 2.4 56.8 557 79,191 570,014 85,225,583 1,000 139,426
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 252 31,919 0 10
5-14 0.0 0.0 0.0 0 0 3,558 438,859 1 141
15-24 72.7 20.2 72.0 13 1,684 56,658 7,589,347 18 2,340
25-34 60.6 8.1 66.2 56 9,333 171,165 27,097,263 92 14,093
35-44 67.3 5.9 67.9 130 19,415 172,256 26,765,969 193 28,606
45-54 50.7 4.4 51.6 130 18,196 117,608 16,857,596 256 35,273
55-64 49.2 4.9 50.9 99 13,385 40,229 5,330,952 201 26,316
65-74 48.1 5.5 45.7 76 9,896 7,258 970,932 158 21,634
75-89 66.3 9.1 66.1 53 7,283 1,032 142,747 80 11,013
90+ 0 0 0 0 0 0
Total 55.7 2.4 56.8 557 79,191 570,014 85,225,583 1,000 139,426
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,006 252,579 1 82
20-29 0.0 0.0 0.0 0 0 4,776 581,668 2 225
30-39 62.1 27.8 59.1 5 558 12,818 1,503,330 8 945
40-49 55.5 7.8 56.1 51 6,651 70,917 9,125,434 92 11,860
50-59 52.4 4.6 56.3 131 18,168 94,594 12,237,198 250 32,254
60-69 51.6 4.6 54.8 125 16,401 35,762 4,435,364 242 29,954
70-79 34.2 4.6 37.0 56 7,619 7,363 917,469 164 20,579
80-89 53.5 4.7 55.1 130 17,797 3,426 454,395 243 32,304
90-99 83.6 9.7 87.0 75 10,075 546 70,129 90 11,576
100+ 0.0 0.0 0.0 0 0 4 500 2 250
Total 52.4 2.2 55.2 573 77,269 232,212 29,578,067 1,094 140,031
GRAND TOTAL 54.0 1.6 56.0 1,130 156,460 802,227 114,803,650 2,094 279,457

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.33     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
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 24.6 14.2 33.0 3 1,350 32,408 11,206,032 12 4,095
2 24.5 12.3 24.0 4 1,300 29,993 10,236,100 16 5,421
3 63.8 17.7 56.9 13 3,785 30,665 10,249,547 20 6,646
4 49.7 15.0 49.4 11 3,470 30,062 9,819,961 22 7,030
5 45.7 13.8 49.3 11 3,740 29,656 9,468,384 24 7,589
6-10 56.4 6.1 57.3 86 26,675 121,155 37,057,984 153 46,567
11-15 62.1 7.6 64.0 67 21,110 37,590 11,294,774 108 32,966
Total 54.8 3.9 55.7 195 61,429 311,528 99,332,783 356 110,314
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 46 13,002 0 4
5-14 0.0 0.0 0.0 0 0 826 232,622 0 74
15-24 0.0 0.0 0.0 0 0 17,881 5,342,479 5 1,418
25-34 54.5 10.5 56.1 27 8,802 110,185 35,875,915 50 15,701
35-44 52.8 7.3 53.1 53 16,657 114,366 36,808,079 100 31,345
45-54 55.9 7.8 56.3 51 15,580 55,959 17,292,539 91 27,677
55-64 35.6 8.9 33.8 16 4,640 10,233 3,121,482 45 13,717
65-74 84.3 14.9 91.3 32 10,864 1,639 518,816 38 11,898
75-89 60.6 15.1 57.6 16 4,886 393 127,848 26 8,480
90+ 0 0 0 0 0 0
Total 54.8 3.9 55.7 195 61,429 311,528 99,332,783 356 110,314
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 295 88,312 0 29
20-29 340.4 340.4 303.9 1 261 752 219,892 0 86
30-39 120.0 120.0 143.3 1 342 1,397 399,821 1 239
40-49 24.0 17.0 33.5 2 841 6,350 1,912,664 8 2,515
50-59 32.4 11.4 28.6 8 2,134 9,319 2,817,717 25 7,465
60-69 53.8 14.4 56.4 14 4,414 3,802 1,142,997 26 7,825
70-79 49.2 14.2 50.9 12 3,818 1,046 321,437 24 7,507
80-89 54.5 11.4 61.7 23 8,121 607 188,916 42 13,170
90-99 79.0 23.8 79.6 11 3,470 89 27,738 14 4,358
100+ 0 0 0 0 0 0
Total 51.1 6.0 54.2 72 23,402 23,657 7,119,494 141 43,194
GRAND TOTAL 53.8 3.3 55.3 267 84,831 335,185 106,452,277 496 153,508

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.34     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
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 14.0 14.0 11.4 1 500 22,064 13,592,884 7 4,374
2 43.2 21.6 35.6 4 2,000 19,824 12,069,690 9 5,625
3 46.1 20.6 41.0 5 2,650 19,482 11,636,093 11 6,459
4 17.6 12.5 18.9 2 1,263 18,040 10,599,205 11 6,690
5 41.9 18.7 46.7 5 3,261 16,263 9,463,819 12 6,978
6-10 57.2 10.0 54.4 33 18,031 47,689 27,160,489 58 33,117
11-15 72.8 13.8 67.3 28 14,777 10,674 5,966,715 38 21,954
Total 53.2 6.0 49.9 78 42,482 154,036 90,488,895 147 85,196
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6 3,393 0 1
5-14 0.0 0.0 0.0 0 0 201 112,846 0 36
15-24 188.9 109.1 170.6 3 1,500 6,462 3,597,144 2 879
25-34 53.7 15.5 46.5 12 6,005 58,945 34,503,799 22 12,904
35-44 55.5 11.1 51.3 25 13,465 62,205 36,896,564 45 26,262
45-54 49.5 12.4 47.4 16 8,868 21,792 12,761,535 32 18,700
55-64 37.0 15.1 36.0 6 3,430 3,471 2,043,108 16 9,520
65-74 46.5 16.4 47.9 8 4,913 756 457,119 17 10,255
75-89 67.4 23.8 64.8 8 4,302 198 113,387 12 6,641
90+ 0 0 0 0 0 0
Total 53.2 6.0 49.9 78 42,482 154,036 90,488,895 147 85,196
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 28 15,579 0 5
20-29 0.0 0.0 0.0 0 0 108 59,534 0 24
30-39 590.2 590.2 610.7 1 600 285 164,913 0 98
40-49 0.0 0.0 0.0 0 0 1,110 620,338 1 830
50-59 78.7 35.2 75.6 5 2,731 2,349 1,332,472 6 3,610
60-69 73.7 30.1 71.5 6 3,382 1,159 673,348 8 4,732
70-79 40.8 20.4 36.6 4 2,103 417 242,588 10 5,746
80-89 70.5 20.3 68.9 12 6,849 249 145,470 17 9,945
90-99 56.6 32.7 69.9 3 2,406 33 21,541 5 3,441
100+ 143.4 101.4 145.0 2 1,021 4 2,021 1 705
Total 66.4 11.6 65.5 33 19,093 5,743 3,277,804 50 29,136
GRAND TOTAL 56.5 5.4 53.9 111 61,575 159,779 93,766,699 196 114,333

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.35     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
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 36.2 36.2 30.3 1 1,500 7,185 10,950,801 3 4,951
2 0.0 0.0 29.7 0 2,000 6,231 9,227,922 4 6,734
3 116.0 51.9 109.4 5 8,800 5,698 8,666,230 4 8,044
4 52.5 37.2 33.2 2 2,000 4,804 6,747,540 4 6,024
5 23.8 23.8 19.0 1 1,364 4,223 6,220,943 4 7,197
6-10 39.1 13.8 56.5 8 19,587 11,187 15,924,885 20 34,681
11-15 62.1 18.7 47.7 11 15,631 3,031 4,976,822 18 32,756
Total 49.1 9.3 50.7 28 50,882 42,358 62,715,143 57 100,387
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6 11,953 0 4
5-14 0.0 0.0 0.0 0 0 69 111,998 0 36
15-24 377.0 377.0 218.3 1 1,000 1,021 1,745,943 0 458
25-34 21.3 21.3 15.8 1 1,000 12,848 17,114,801 5 6,310
35-44 38.3 17.1 39.7 5 7,500 18,795 26,931,794 13 18,887
45-54 62.9 23.8 42.1 7 7,664 7,293 11,838,318 11 18,205
55-64 12.6 12.6 6.6 1 1,000 1,667 3,421,546 8 15,094
65-74 46.9 21.0 63.2 5 15,593 492 1,188,444 11 24,658
75-89 86.3 30.5 102.3 8 17,125 167 350,344 9 16,736
90+ 0 0 0 0 0 0
Total 49.1 9.3 50.7 28 50,882 42,358 62,715,143 57 100,387
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 5 5,250 0 2
20-29 0.0 0.0 0.0 0 0 31 34,103 0 14
30-39 0.0 0.0 0.0 0 0 103 161,977 0 95
40-49 0.0 0.0 0.0 0 0 343 659,157 0 836
50-59 49.3 49.3 31.8 1 1,049 722 1,167,282 2 3,296
60-69 114.1 57.0 112.6 4 6,034 487 731,976 4 5,360
70-79 17.7 17.7 18.5 1 2,000 222 407,265 6 10,792
80-89 53.1 21.7 44.8 6 8,667 159 269,892 11 19,353
90-99 83.7 59.2 67.6 2 4,000 15 38,218 2 5,915
100+ 0 0 0 0 0 0
Total 55.1 14.7 47.6 14 21,750 2,087 3,475,121 25 45,663
GRAND TOTAL 50.9 7.9 49.7 42 72,632 44,445 66,190,264 82 146,051

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.36     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
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 76.8 0 5 2,235 9,530 1 6
2 0.0 0.0 0.0 0 0 1,908 14,622 1 6
3 330.6 233.7 220.2 2 20 1,463 16,295 1 9
4 207.0 207.0 136.0 1 7 1,195 15,482 0 5
5 940.4 383.9 686.8 6 38 910 13,610 1 5
6-10 101.7 101.7 99.2 1 23 1,586 57,439 1 24
11-15 98.9 24.0 107.7 17 107 1,326 40,271 17 99
Total 124.8 24.0 129.4 27 199 10,625 167,250 22 154
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,343 98,224 2 19
5-14 156.0 156.0 173.5 1 22 3,333 53,632 1 13
15-24 0.0 0.0 0.0 0 0 491 9,143 0 3
25-34 0.0 0 0 0 899 0 0
35-44 0.0 0.0 579.8 0 6 9 763 0 1
45-54 621.3 621.3 406.4 1 13 24 943 0 3
55-64 154.4 77.2 165.9 4 34 142 1,662 3 20
65-74 130.3 37.6 133.1 12 75 207 1,506 9 56
75-89 127.0 42.3 129.7 9 49 76 474 7 38
90+ 111.9 0 1 0 3 0 0
Total 124.8 24.0 129.4 27 199 10,625 167,250 22 154
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 660 11,868 0 4
20-29 0.0 0.0 51.8 0 11 5,284 54,138 2 21
30-39 59.5 17.9 75.6 11 84 23,866 146,346 18 111
40-49 77.3 10.1 73.4 59 302 41,888 223,737 76 412
50-59 92.1 5.6 93.4 274 1,634 72,100 429,174 297 1,749
60-69 70.6 2.6 72.2 736 3,815 103,805 532,270 1,043 5,287
70-79 79.6 1.8 85.6 1,969 8,778 89,828 378,600 2,472 10,251
80-89 81.7 1.2 84.0 4,652 17,333 76,523 278,616 5,695 20,633
90-99 74.5 1.4 82.4 2,872 9,772 21,119 66,585 3,853 11,862
100+ 17.4 1.4 31.4 162 495 1,526 2,855 930 1,575
Total 74.6 0.7 81.4 10,735 42,225 436,598 2,124,189 14,388 51,905
GRAND TOTAL 74.7 0.7 81.5 10,762 42,424 447,223 2,291,439 14,409 52,059

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.37     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
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 0.0 0 0 5,885 182,786 2 67
2 168.9 97.5 69.1 3 35 5,641 177,434 2 51
3 128.0 90.5 59.9 2 25 5,586 179,003 2 42
4 200.4 115.7 91.7 3 35 5,827 181,205 1 38
5 282.8 141.4 204.4 4 74 5,745 177,025 1 36
6-10 107.2 43.7 72.0 6 118 28,929 816,932 6 164
11-15 56.9 19.0 59.5 9 238 35,859 1,009,173 16 400
Total 90.4 17.4 65.9 27 525 93,471 2,723,559 30 797
Select Experience By Issue Age
0-4 17.5 12.4 17.0 2 58 63,923 1,835,274 11 338
5-14 67.2 33.6 49.4 4 86 25,339 741,940 6 175
15-24 0.0 0.0 151.7 0 58 3,160 116,848 1 39
25-34 0.0 0.0 0.0 0 0 131 5,800 0 4
35-44 436.9 436.9 76.6 1 10 171 7,223 0 13
45-54 365.6 182.8 177.4 4 55 272 7,609 1 31
55-64 216.2 88.3 170.9 6 103 246 5,103 3 60
65-74 127.2 51.9 92.6 6 95 192 3,244 5 103
75-89 156.6 78.3 168.7 4 60 38 518 3 36
90+ 0 0 0 0 0 0
Total 90.4 17.4 65.9 27 525 93,471 2,723,559 30 797
Ultimate Experience By Attained Age
15-19 71.4 29.2 84.1 6 208 26,565 785,153 8 248
20-29 76.5 15.6 68.7 24 567 81,418 2,152,801 31 825
30-39 74.5 13.0 69.9 33 671 63,014 1,369,304 44 959
40-49 50.1 7.8 51.3 41 1,384 44,197 1,411,743 82 2,696
50-59 69.4 4.3 65.7 260 7,931 93,140 3,044,464 374 12,069
60-69 73.2 3.3 71.2 480 11,862 70,040 1,819,503 655 16,653
70-79 70.6 3.1 68.1 524 9,721 28,838 564,195 742 14,280
80-89 85.0 3.3 82.3 655 11,265 11,067 196,480 770 13,690
90-99 75.8 5.5 72.2 190 3,199 1,451 25,635 251 4,428
100+ 48.1 17.0 47.4 8 194 29 664 17 408
Total 74.7 1.6 70.9 2,221 47,001 419,759 11,369,941 2,975 66,255
GRAND TOTAL 74.8 1.6 70.9 2,248 47,527 513,230 14,093,500 3,005 67,053

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.38     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
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 99.3 70.2 81.0 2 100 5,407 328,817 2 123
2 55.8 55.8 47.1 1 50 4,896 296,804 2 106
3 65.3 65.3 55.6 1 50 4,230 255,831 2 90
4 49.0 49.0 41.4 1 50 4,403 269,256 2 121
5 35.8 35.8 30.8 1 50 4,709 285,366 3 162
6-10 39.0 11.8 34.2 11 550 26,644 1,536,998 28 1,606
11-15 32.7 10.3 33.1 10 581 21,690 1,272,604 31 1,753
Total 39.2 7.5 36.1 27 1,431 71,979 4,245,677 69 3,962
Select Experience By Issue Age
0-4 32.6 23.0 27.1 2 100 32,645 1,932,256 6 368
5-14 30.9 30.9 25.5 1 50 15,064 910,331 3 196
15-24 88.2 62.4 78.7 2 101 6,147 351,618 2 128
25-34 64.3 37.1 54.2 3 150 6,204 362,613 5 277
35-44 50.9 22.7 43.1 5 250 5,582 328,804 10 581
45-54 30.8 13.8 30.2 5 280 4,212 241,571 16 926
55-64 34.8 15.6 37.6 5 300 1,666 92,900 14 797
65-74 41.4 20.7 37.0 4 200 416 23,127 10 541
75-89 0.0 0.0 0.0 0 0 43 2,455 3 148
90+ 0 0 0 0 0 0
Total 39.2 7.5 36.1 27 1,431 71,979 4,245,677 69 3,962
Ultimate Experience By Attained Age
15-19 0.0 0.0 50.4 0 73 5,548 456,292 2 144
20-29 14.2 14.2 19.0 1 102 18,490 1,403,287 7 535
30-39 53.3 26.6 60.5 4 305 10,685 722,694 8 504
40-49 63.6 26.0 56.6 6 520 5,168 485,297 9 920
50-59 43.5 12.1 35.0 13 1,016 7,653 764,218 30 2,907
60-69 58.3 10.8 55.3 29 1,897 5,323 373,984 50 3,431
70-79 33.5 9.7 35.2 12 828 1,449 94,409 36 2,354
80-89 54.4 12.2 63.6 20 1,605 519 35,153 37 2,521
90-99 88.0 24.4 89.9 13 929 88 6,097 15 1,034
100+ 168.1 168.1 168.1 1 56 1 56 1 33
Total 51.2 5.1 51.0 99 7,331 54,924 4,341,489 193 14,382
GRAND TOTAL 48.0 4.3 47.8 126 8,762 126,903 8,587,166 262 18,344

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.39     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
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 0.0 0 0 7,873 986,904 3 318
2 0.0 0.0 0.0 0 0 7,384 923,685 2 264
3 0.0 0.0 0.0 0 0 6,648 837,092 2 256
4 0.0 0.0 0.0 0 0 6,304 801,442 2 259
5 184.7 82.6 161.0 5 600 6,342 837,337 3 373
6-10 34.2 12.9 32.9 7 950 26,253 3,548,448 20 2,884
11-15 53.6 15.5 59.4 12 1,721 17,988 2,277,599 22 2,896
Total 44.5 9.1 45.1 24 3,271 78,793 10,212,507 54 7,249
Select Experience By Issue Age
0-4 31.7 22.4 40.0 2 304 31,624 3,827,499 6 761
5-14 51.0 36.1 40.4 2 200 20,263 2,542,676 4 495
15-24 41.3 41.3 32.5 1 100 6,674 855,362 2 307
25-34 86.2 35.2 106.5 6 1,100 9,290 1,397,650 7 1,033
35-44 26.6 15.3 25.2 3 417 6,766 1,018,961 11 1,654
45-54 36.3 18.1 37.0 4 550 3,213 448,460 11 1,486
55-64 31.9 22.5 26.1 2 200 761 96,726 6 767
65-74 68.6 39.6 55.4 3 300 180 22,239 4 542
75-89 71.0 71.0 48.6 1 100 22 2,934 1 206
90+ 0 0 0 0 0 0
Total 44.5 9.1 45.1 24 3,271 78,793 10,212,507 54 7,249
Ultimate Experience By Attained Age
15-19 0.0 0.0 93.3 0 103 2,358 354,629 1 110
20-29 90.8 64.2 129.7 2 418 5,800 848,664 2 322
30-39 162.9 81.4 124.6 4 402 3,311 442,204 2 323
40-49 63.3 22.4 51.5 8 800 6,806 833,772 13 1,553
50-59 59.3 14.0 53.8 18 2,076 8,010 1,015,018 30 3,857
60-69 34.7 12.3 27.0 8 800 2,635 337,915 23 2,967
70-79 57.6 21.8 49.8 7 867 466 65,965 12 1,740
80-89 86.0 23.9 73.7 13 1,684 203 31,101 15 2,284
90-99 30.5 21.6 26.5 2 225 34 4,539 7 849
100+ 247.9 175.3 247.9 2 446 2 446 1 180
Total 60.3 7.5 55.1 64 7,820 29,624 3,934,253 106 14,186
GRAND TOTAL 55.0 5.9 51.7 88 11,092 108,417 14,146,760 160 21,435

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.40     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
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 0.0 0 0 12,276 3,464,418 6 1,748
2 0.0 0.0 0.0 0 0 11,993 3,401,198 8 2,380
3 39.3 19.6 39.3 4 1,130 11,461 3,267,967 10 2,879
4 56.0 28.0 48.7 4 1,000 7,823 2,282,037 7 2,053
5 89.0 39.8 127.5 5 2,090 6,101 1,809,505 6 1,639
6-10 12.9 9.1 14.0 2 650 13,042 3,966,368 16 4,628
11-15 51.4 51.4 49.1 1 300 1,673 544,384 2 610
Total 29.0 7.3 32.4 16 5,170 64,371 18,735,877 55 15,936
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,453 1,319,093 1 260
5-14 0.0 0.0 0.0 0 0 3,563 1,078,313 1 204
15-24 0.0 0.0 0.0 0 0 3,141 905,074 1 229
25-34 43.9 25.3 73.1 3 1,520 17,396 5,162,609 7 2,080
35-44 29.6 13.3 31.2 5 1,550 20,495 5,972,347 17 4,975
45-54 34.4 13.0 31.9 7 1,830 12,816 3,596,719 20 5,730
55-64 0.0 0.0 0.0 0 0 2,395 669,522 7 2,092
65-74 0.0 0.0 0.0 0 0 110 31,231 1 303
75-89 526.1 526.1 436.9 1 270 3 970 0 62
90+ 0 0 0 0 0 0
Total 29.0 7.3 32.4 16 5,170 64,371 18,735,877 55 15,936
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 242 98,904 0 31
20-29 0.0 0.0 0.0 0 0 512 197,545 0 75
30-39 746.2 746.2 699.9 1 348 189 71,384 0 50
40-49 0.0 0.0 0.0 0 0 171 57,904 0 110
50-59 0.0 0.0 82.8 0 300 273 92,323 1 362
60-69 0.0 0.0 0.0 0 0 120 46,255 1 409
70-79 0.0 0.0 0.0 0 0 35 13,454 1 395
80-89 0.0 0.0 0.0 0 0 23 8,585 2 634
90-99 0.0 0.0 0.0 0 0 2 2,509 0 457
100+ 0 0 0 0 0 0
Total 17.3 17.3 25.7 1 648 1,567 588,862 6 2,524
GRAND TOTAL 27.9 6.8 31.5 17 5,818 65,938 19,324,740 61 18,459

Thomson Data Analysis Fri Mar 20 12:38:35 2015


TABLE 8.41     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
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 0.0 0 0 7,252 3,967,454 3 1,560
2 25.9 25.9 23.8 1 500 6,953 3,813,027 4 2,097
3 47.5 33.6 55.6 2 1,270 6,200 3,401,763 4 2,285
4 31.9 31.9 39.0 1 670 4,092 2,248,832 3 1,717
5 66.0 46.7 60.3 2 1,000 3,550 1,959,443 3 1,659
6-10 62.0 27.7 65.4 5 2,900 7,071 3,924,006 8 4,431
11-15 0.0 0.0 0.0 0 0 562 340,100 1 436
Total 42.4 12.8 44.7 11 6,340 35,681 19,654,625 26 14,185
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,255 783,797 0 148
5-14 0.0 0.0 0.0 0 0 1,351 860,871 0 173
15-24 0.0 0.0 0.0 0 0 1,429 786,044 0 189
25-34 61.9 35.7 75.5 3 2,000 13,081 7,132,336 5 2,648
35-44 39.9 19.9 39.7 4 2,170 13,017 7,093,235 10 5,465
45-54 38.7 22.4 35.8 3 1,500 4,947 2,668,093 8 4,191
55-64 0.0 0.0 0.0 0 0 565 310,197 2 1,167
65-74 275.9 275.9 328.8 1 670 36 20,051 0 204
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 42.4 12.8 44.7 11 6,340 35,681 19,654,625 26 14,185
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 72 47,197 0 15
20-29 0.0 0.0 0.0 0 0 138 99,919 0 38
30-39 0.0 0.0 0.0 0 0 52 39,291 0 26
40-49 0.0 0.0 0.0 0 0 29 16,191 0 30
50-59 0.0 0.0 0.0 0 0 64 37,353 0 151
60-69 0.0 0.0 0.0 0 0 44 26,102 0 245
70-79 424.6 424.6 214.7 1 500 9 8,819 0 233
80-89 540.4 382.1 251.9 2 1,163 5 5,438 0 461
90-99 0.0 0.0 0.0 0 0 1 1,285 0 215
100+ 0 0 0 0 0 0
Total 185.5 107.1 117.5 3 1,663 415 281,595 2 1,415
GRAND TOTAL 50.8 13.6 51.3 14 8,003 36,095 19,936,220 28 15,600

Thomson Data Analysis Fri Mar 20 12:38:35 2015


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 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 0.0 0 0 1,624 2,036,350 1 830
2 0.0 0.0 0.0 0 0 1,518 1,864,177 1 1,060
3 0.0 0.0 0.0 0 0 1,250 1,543,144 1 1,114
4 120.3 120.3 97.4 1 1,000 824 1,042,516 1 1,026
5 160.3 160.3 112.1 1 1,000 661 1,059,926 1 892
6-10 0.0 0.0 0.0 0 0 1,395 1,984,361 2 2,160
11-15 0.0 0.0 0.0 0 0 175 386,214 0 283
Total 34.8 24.6 27.2 2 2,000 7,446 9,916,687 6 7,365
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 432 881,373 0 153
5-14 0.0 0.0 0.0 0 0 509 1,323,147 0 292
15-24 0.0 0.0 0.0 0 0 255 402,176 0 105
25-34 0.0 0.0 0.0 0 0 2,143 2,370,585 1 833
35-44 0.0 0.0 0.0 0 0 2,803 3,272,865 2 2,545
45-54 0.0 0.0 0.0 0 0 1,118 1,423,036 2 2,327
55-64 322.5 228.0 246.2 2 2,000 169 216,435 1 812
65-74 0.0 0.0 0.0 0 0 15 25,820 0 238
75-89 0.0 0.0 0.0 0 0 1 1,250 0 59
90+ 0 0 0 0 0 0
Total 34.8 24.6 27.2 2 2,000 7,446 9,916,687 6 7,365
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 21 43,450 0 14
20-29 0.0 0.0 0.0 0 0 57 116,156 0 44
30-39 0.0 0.0 0.0 0 0 31 58,666 0 42
40-49 0.0 0.0 0.0 0 0 4 10,664 0 24
50-59 0.0 0.0 0.0 0 0 12 27,175 0 106
60-69 0.0 0.0 0.0 0 0 8 16,192 0 146
70-79 0.0 0.0 0.0 0 0 7 16,282 0 471
80-89 319.5 319.5 347.2 1 1,755 4 7,018 0 505
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 147.5 147.5 129.7 1 1,755 144 295,603 1 1,353
GRAND TOTAL 46.7 27.0 43.1 3 3,755 7,590 10,212,290 6 8,718

Thomson Data Analysis Fri Mar 20 12:38:35 2015