CANADIAN ORDINARY STANDARD EXPERIENCE
|
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
|
EXPECTED CIA 86-92 TABLES
|
Index of Tables
|
TABLE 1
|
TOTAL EXPERIENCE
|
TABLE 2.1
|
TOTAL EXPERIENCE -- MALES
|
TABLE 2.2
|
TOTAL EXPERIENCE -- FEMALES
|
TABLE 8.1
|
TOTAL EXPERIENCE -- MALE SMOKERS
|
TABLE 8.2
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
TABLE 8.3
|
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
TABLE 8.4
|
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
TABLE 8.5
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
TABLE 8.6
|
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
TABLE 9.1
|
TOTAL EXPERIENCE -- WHOLE LIFE
|
TABLE 9.2
|
TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
|
TABLE 9.3
|
TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
|
TABLE 9.4
|
TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
|
TABLE 9.5
|
TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
|
TABLE 9.6
|
TOTAL EXPERIENCE -- TERM TO 100
|
TABLE 10.1
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.2
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.3
|
TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.4
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.5
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.6
|
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.7
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.8
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.9
|
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 10.10
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
TABLE 10.11
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
TABLE 10.12
|
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
TABLE 1
TOTAL EXPERIENCE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
45.9
|
4.2
|
37.6
|
122
|
32,067
|
394,843
|
142,582,245
|
266
|
85,227
|
2
|
56.1
|
4.0
|
49.2
|
200
|
54,944
|
375,865
|
130,584,121
|
357
|
111,686
|
3
|
60.6
|
3.8
|
46.1
|
260
|
61,220
|
365,260
|
125,661,591
|
429
|
132,790
|
4
|
55.3
|
3.5
|
39.5
|
255
|
52,387
|
338,157
|
109,282,815
|
461
|
132,537
|
5
|
58.0
|
3.4
|
47.9
|
290
|
68,579
|
320,759
|
102,540,612
|
500
|
143,285
|
6-10
|
56.0
|
1.3
|
48.4
|
1,900
|
374,865
|
1,348,319
|
351,258,899
|
3,394
|
774,482
|
11-15
|
58.8
|
1.1
|
50.6
|
3,015
|
324,626
|
1,025,001
|
149,025,373
|
5,131
|
642,089
|
Total
|
57.3
|
0.7
|
47.9
|
6,042
|
968,690
|
4,168,202
|
1,110,935,655
|
10,537
|
2,022,097
|
Select Experience By Issue Age
|
0-4
|
35.7
|
7.1
|
29.5
|
25
|
1,482
|
291,259
|
21,378,684
|
70
|
5,026
|
5-14
|
54.7
|
8.1
|
48.2
|
46
|
3,699
|
199,689
|
19,669,253
|
84
|
7,670
|
15-24
|
66.8
|
5.6
|
75.1
|
140
|
22,352
|
350,259
|
53,903,387
|
210
|
29,769
|
25-34
|
53.9
|
2.7
|
50.6
|
411
|
103,731
|
1,016,119
|
307,345,052
|
763
|
204,947
|
35-44
|
57.2
|
1.8
|
48.3
|
1,004
|
240,145
|
1,149,438
|
408,937,557
|
1,756
|
496,991
|
45-54
|
54.9
|
1.4
|
47.5
|
1,505
|
288,063
|
782,834
|
229,502,093
|
2,741
|
606,444
|
55-64
|
57.0
|
1.5
|
42.2
|
1,510
|
166,369
|
300,258
|
59,829,057
|
2,649
|
394,140
|
65-74
|
59.1
|
1.8
|
47.8
|
1,071
|
96,200
|
71,472
|
9,144,563
|
1,812
|
201,082
|
75-89
|
72.9
|
4.0
|
61.3
|
329
|
46,562
|
6,869
|
1,225,649
|
452
|
75,945
|
90+
|
97.2
|
97.2
|
105.0
|
1
|
87
|
5
|
360
|
1
|
83
|
Total
|
57.3
|
0.7
|
47.9
|
6,042
|
968,690
|
4,168,202
|
1,110,935,655
|
10,537
|
2,022,097
|
Ultimate Experience By Attained Age
|
15-19
|
47.8
|
8.9
|
47.0
|
29
|
1,440
|
109,107
|
5,590,602
|
61
|
3,063
|
20-29
|
69.8
|
5.3
|
64.9
|
172
|
7,127
|
353,861
|
15,946,996
|
246
|
10,988
|
30-39
|
74.2
|
4.2
|
69.0
|
305
|
11,943
|
399,288
|
17,027,979
|
411
|
17,319
|
40-49
|
64.3
|
2.1
|
53.6
|
906
|
56,351
|
690,632
|
52,810,066
|
1,409
|
105,206
|
50-59
|
61.8
|
1.0
|
49.7
|
3,715
|
226,742
|
1,188,072
|
96,718,046
|
6,014
|
455,832
|
60-69
|
58.9
|
0.7
|
49.9
|
8,046
|
354,803
|
1,005,957
|
56,958,804
|
13,660
|
711,122
|
70-79
|
62.3
|
0.5
|
50.9
|
13,845
|
357,778
|
596,833
|
19,627,020
|
22,234
|
703,045
|
80-89
|
74.5
|
0.5
|
63.4
|
23,068
|
443,724
|
341,312
|
7,770,277
|
30,978
|
699,478
|
90-99
|
76.3
|
0.8
|
80.3
|
9,145
|
134,652
|
60,224
|
878,169
|
11,992
|
167,722
|
100+
|
13.9
|
0.8
|
39.2
|
338
|
3,499
|
3,841
|
16,764
|
2,440
|
8,921
|
Total
|
66.6
|
0.3
|
55.4
|
59,569
|
1,598,058
|
4,749,127
|
273,344,722
|
89,445
|
2,882,697
|
GRAND TOTAL
|
65.6
|
0.3
|
52.3
|
65,611
|
2,566,749
|
8,917,330
|
1,384,280,378
|
99,982
|
4,904,793
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 2.1
TOTAL EXPERIENCE -- MALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
54.2
|
5.7
|
42.8
|
89
|
25,879
|
201,566
|
83,899,733
|
164
|
60,467
|
2
|
59.7
|
5.2
|
56.9
|
131
|
44,666
|
191,423
|
76,850,513
|
219
|
78,448
|
3
|
57.5
|
4.7
|
38.2
|
152
|
35,681
|
185,605
|
74,113,933
|
264
|
93,306
|
4
|
54.4
|
4.4
|
37.0
|
155
|
35,173
|
171,186
|
64,367,869
|
285
|
95,117
|
5
|
55.4
|
4.2
|
46.4
|
172
|
47,956
|
163,147
|
60,950,410
|
311
|
103,433
|
6-10
|
53.1
|
1.6
|
45.5
|
1,102
|
251,421
|
689,819
|
210,807,930
|
2,077
|
552,952
|
11-15
|
56.0
|
1.4
|
46.5
|
1,625
|
195,553
|
507,102
|
86,904,666
|
2,902
|
420,493
|
Total
|
55.1
|
0.9
|
45.3
|
3,426
|
636,328
|
2,109,848
|
657,895,054
|
6,222
|
1,404,214
|
Select Experience By Issue Age
|
0-4
|
42.7
|
10.1
|
31.6
|
18
|
922
|
147,306
|
10,493,159
|
42
|
2,917
|
5-14
|
53.2
|
9.4
|
55.7
|
32
|
2,991
|
101,860
|
9,804,270
|
60
|
5,369
|
15-24
|
70.6
|
7.0
|
77.6
|
103
|
16,627
|
168,087
|
26,653,535
|
146
|
21,414
|
25-34
|
51.6
|
3.3
|
48.8
|
240
|
67,114
|
478,781
|
161,423,384
|
465
|
137,476
|
35-44
|
51.9
|
2.2
|
45.6
|
565
|
159,577
|
597,811
|
249,988,207
|
1,089
|
349,813
|
45-54
|
52.8
|
1.7
|
47.0
|
926
|
214,793
|
422,250
|
153,116,544
|
1,755
|
456,970
|
55-64
|
54.7
|
1.8
|
41.8
|
891
|
123,636
|
159,608
|
41,097,308
|
1,628
|
295,458
|
65-74
|
60.9
|
2.6
|
38.9
|
547
|
42,210
|
32,141
|
4,935,462
|
899
|
108,495
|
75-89
|
74.8
|
7.4
|
31.9
|
103
|
8,372
|
1,999
|
382,903
|
138
|
26,231
|
90+
|
115.9
|
115.9
|
123.8
|
1
|
86
|
4
|
282
|
1
|
70
|
Total
|
55.1
|
0.9
|
45.3
|
3,426
|
636,328
|
2,109,848
|
657,895,054
|
6,222
|
1,404,214
|
Ultimate Experience By Attained Age
|
15-19
|
45.8
|
10.2
|
44.8
|
20
|
964
|
55,443
|
2,725,441
|
44
|
2,151
|
20-29
|
70.3
|
6.3
|
63.9
|
126
|
5,063
|
180,699
|
7,995,802
|
179
|
7,924
|
30-39
|
78.8
|
5.4
|
62.6
|
212
|
7,135
|
206,563
|
8,820,196
|
269
|
11,405
|
40-49
|
64.9
|
2.8
|
53.3
|
535
|
35,159
|
350,078
|
28,548,005
|
824
|
65,985
|
50-59
|
58.1
|
1.2
|
46.2
|
2,308
|
154,658
|
644,687
|
60,687,032
|
3,971
|
334,886
|
60-69
|
55.1
|
0.8
|
45.9
|
5,357
|
260,491
|
586,605
|
39,631,443
|
9,714
|
567,914
|
70-79
|
58.6
|
0.6
|
49.8
|
9,326
|
280,907
|
359,158
|
14,051,983
|
15,918
|
564,392
|
80-89
|
72.3
|
0.6
|
62.4
|
14,747
|
320,865
|
195,602
|
5,151,232
|
20,410
|
514,252
|
90-99
|
75.9
|
1.1
|
80.9
|
5,060
|
84,510
|
30,216
|
496,373
|
6,668
|
104,417
|
100+
|
10.5
|
0.9
|
21.5
|
152
|
1,153
|
2,200
|
9,403
|
1,446
|
5,354
|
Total
|
63.7
|
0.3
|
52.8
|
37,843
|
1,150,905
|
2,611,251
|
168,116,908
|
59,444
|
2,178,680
|
GRAND TOTAL
|
62.8
|
0.3
|
49.9
|
41,269
|
1,787,233
|
4,721,098
|
826,011,962
|
65,666
|
3,582,894
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 2.2
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
32.5
|
5.7
|
25.0
|
33
|
6,188
|
193,277
|
58,682,512
|
102
|
24,761
|
2
|
50.3
|
6.1
|
30.9
|
69
|
10,279
|
184,442
|
53,733,608
|
137
|
33,239
|
3
|
65.6
|
6.3
|
64.7
|
108
|
25,540
|
179,655
|
51,547,658
|
165
|
39,484
|
4
|
56.7
|
5.7
|
46.0
|
100
|
17,215
|
166,971
|
44,914,946
|
176
|
37,420
|
5
|
62.4
|
5.7
|
51.7
|
118
|
20,624
|
157,612
|
41,590,203
|
189
|
39,853
|
6-10
|
60.6
|
2.1
|
55.7
|
798
|
123,444
|
658,500
|
140,450,968
|
1,317
|
221,530
|
11-15
|
62.4
|
1.7
|
58.2
|
1,390
|
129,073
|
517,898
|
62,120,707
|
2,229
|
221,596
|
Total
|
60.6
|
1.2
|
53.8
|
2,616
|
332,362
|
2,058,355
|
453,040,602
|
4,315
|
617,883
|
Select Experience By Issue Age
|
0-4
|
25.1
|
9.5
|
26.5
|
7
|
560
|
143,953
|
10,885,525
|
28
|
2,109
|
5-14
|
58.4
|
15.6
|
30.8
|
14
|
708
|
97,829
|
9,864,983
|
24
|
2,301
|
15-24
|
57.9
|
9.5
|
68.5
|
37
|
5,725
|
182,171
|
27,249,851
|
64
|
8,355
|
25-34
|
57.4
|
4.4
|
54.3
|
171
|
36,618
|
537,338
|
145,921,669
|
298
|
67,471
|
35-44
|
65.8
|
3.1
|
54.7
|
439
|
80,568
|
551,627
|
158,949,350
|
667
|
147,178
|
45-54
|
58.7
|
2.4
|
49.0
|
579
|
73,270
|
360,584
|
76,385,549
|
986
|
149,474
|
55-64
|
60.7
|
2.4
|
43.3
|
619
|
42,733
|
140,650
|
18,731,749
|
1,020
|
98,681
|
65-74
|
57.4
|
2.5
|
58.3
|
524
|
53,990
|
39,331
|
4,209,101
|
914
|
92,587
|
75-89
|
72.0
|
4.8
|
76.8
|
226
|
38,190
|
4,870
|
842,745
|
314
|
49,714
|
90+
|
0.0
|
0.0
|
4.0
|
0
|
1
|
1
|
78
|
0
|
13
|
Total
|
60.6
|
1.2
|
53.8
|
2,616
|
332,362
|
2,058,355
|
453,040,602
|
4,315
|
617,883
|
Ultimate Experience By Attained Age
|
15-19
|
52.7
|
17.6
|
52.2
|
9
|
476
|
53,664
|
2,865,161
|
17
|
912
|
20-29
|
68.4
|
10.1
|
67.3
|
46
|
2,064
|
173,162
|
7,951,193
|
67
|
3,064
|
30-39
|
65.4
|
6.8
|
81.3
|
93
|
4,807
|
192,725
|
8,207,784
|
142
|
5,915
|
40-49
|
63.4
|
3.3
|
54.0
|
371
|
21,191
|
340,554
|
24,262,062
|
585
|
39,221
|
50-59
|
68.9
|
1.8
|
59.6
|
1,407
|
72,084
|
543,385
|
36,031,014
|
2,042
|
120,945
|
60-69
|
68.1
|
1.3
|
65.9
|
2,689
|
94,313
|
419,352
|
17,327,361
|
3,946
|
143,208
|
70-79
|
71.5
|
1.1
|
55.4
|
4,519
|
76,871
|
237,675
|
5,575,037
|
6,316
|
138,653
|
80-89
|
78.7
|
0.9
|
66.3
|
8,321
|
122,859
|
145,710
|
2,619,045
|
10,567
|
185,226
|
90-99
|
76.7
|
1.2
|
79.2
|
4,085
|
50,142
|
30,008
|
381,796
|
5,324
|
63,305
|
100+
|
18.7
|
1.4
|
65.8
|
186
|
2,347
|
1,641
|
7,361
|
994
|
3,567
|
Total
|
72.4
|
0.5
|
63.5
|
21,726
|
447,154
|
2,137,877
|
105,227,814
|
30,001
|
704,017
|
GRAND TOTAL
|
70.9
|
0.5
|
59.0
|
24,342
|
779,516
|
4,196,231
|
558,268,416
|
34,316
|
1,321,900
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.1
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.0
|
12.9
|
27.2
|
17
|
2,170
|
23,774
|
7,337,173
|
32
|
7,966
|
2
|
83.9
|
13.8
|
81.1
|
37
|
7,928
|
22,267
|
6,370,714
|
44
|
9,780
|
3
|
65.9
|
11.3
|
33.9
|
34
|
3,808
|
21,262
|
5,976,766
|
52
|
11,218
|
4
|
57.4
|
10.0
|
48.3
|
33
|
5,542
|
20,577
|
5,288,798
|
58
|
11,476
|
5
|
64.1
|
10.0
|
70.0
|
41
|
9,441
|
20,125
|
5,278,729
|
64
|
13,489
|
6-10
|
55.0
|
3.5
|
48.7
|
251
|
39,068
|
91,647
|
19,310,699
|
456
|
80,207
|
11-15
|
56.8
|
2.8
|
51.9
|
412
|
33,268
|
85,416
|
9,001,459
|
726
|
64,053
|
Total
|
57.6
|
2.0
|
51.1
|
825
|
101,225
|
285,067
|
58,564,338
|
1,431
|
198,188
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,741
|
134,941
|
2
|
97
|
5-14
|
71.8
|
19.9
|
111.9
|
13
|
1,242
|
21,228
|
1,328,195
|
18
|
1,110
|
15-24
|
101.2
|
16.9
|
99.8
|
36
|
4,097
|
31,556
|
3,967,353
|
36
|
4,103
|
25-34
|
48.2
|
6.4
|
46.0
|
57
|
11,599
|
77,497
|
19,171,679
|
118
|
25,243
|
35-44
|
47.3
|
3.9
|
42.8
|
148
|
27,168
|
81,679
|
21,845,648
|
313
|
63,483
|
45-54
|
56.2
|
3.4
|
49.7
|
277
|
35,356
|
52,894
|
10,269,864
|
493
|
71,076
|
55-64
|
61.7
|
4.3
|
61.3
|
201
|
16,771
|
14,903
|
1,716,854
|
326
|
27,352
|
65-74
|
71.4
|
7.8
|
82.9
|
83
|
4,511
|
2,459
|
126,278
|
116
|
5,443
|
75-89
|
112.1
|
35.5
|
170.9
|
10
|
481
|
110
|
3,526
|
9
|
282
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
57.6
|
2.0
|
51.1
|
825
|
101,225
|
285,067
|
58,564,338
|
1,431
|
198,188
|
Ultimate Experience By Attained Age
|
15-19
|
68.3
|
27.9
|
95.5
|
6
|
389
|
10,855
|
504,646
|
9
|
408
|
20-29
|
78.0
|
15.0
|
75.9
|
27
|
1,084
|
34,803
|
1,437,222
|
35
|
1,428
|
30-39
|
63.4
|
9.7
|
57.6
|
43
|
1,701
|
38,987
|
1,684,235
|
68
|
2,955
|
40-49
|
55.8
|
5.2
|
53.1
|
114
|
8,180
|
49,310
|
3,596,804
|
204
|
15,410
|
50-59
|
54.6
|
2.3
|
49.8
|
571
|
40,630
|
89,432
|
7,066,737
|
1,046
|
81,522
|
60-69
|
56.5
|
1.7
|
51.3
|
1,050
|
53,753
|
60,698
|
3,560,449
|
1,858
|
104,741
|
70-79
|
60.8
|
1.8
|
62.5
|
1,166
|
40,545
|
26,732
|
929,160
|
1,917
|
64,856
|
80-89
|
70.0
|
2.4
|
77.3
|
880
|
21,670
|
8,945
|
199,605
|
1,258
|
28,020
|
90-99
|
71.7
|
6.0
|
72.7
|
145
|
1,897
|
809
|
10,724
|
202
|
2,610
|
100+
|
13.3
|
6.6
|
1.5
|
4
|
3
|
46
|
198
|
30
|
166
|
Total
|
60.5
|
1.0
|
56.2
|
4,006
|
169,852
|
320,615
|
18,989,781
|
6,627
|
302,115
|
GRAND TOTAL
|
60.0
|
0.9
|
54.2
|
4,831
|
271,077
|
605,682
|
77,554,119
|
8,058
|
500,304
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.2
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
57.6
|
7.4
|
48.7
|
60
|
20,404
|
132,071
|
61,806,674
|
104
|
41,875
|
2
|
55.6
|
6.3
|
58.5
|
79
|
32,022
|
125,996
|
56,646,384
|
142
|
54,737
|
3
|
57.6
|
5.8
|
43.2
|
100
|
27,736
|
124,069
|
54,863,252
|
174
|
64,179
|
4
|
55.2
|
5.3
|
37.8
|
107
|
25,738
|
117,389
|
49,315,093
|
194
|
68,066
|
5
|
52.5
|
5.0
|
44.4
|
112
|
33,258
|
112,445
|
47,021,916
|
213
|
74,959
|
6-10
|
52.6
|
1.9
|
43.2
|
778
|
183,588
|
486,922
|
168,814,965
|
1,479
|
424,525
|
11-15
|
56.6
|
1.7
|
46.2
|
1,170
|
159,646
|
342,776
|
71,911,913
|
2,066
|
345,806
|
Total
|
55.0
|
1.1
|
44.9
|
2,406
|
482,391
|
1,441,667
|
510,380,196
|
4,372
|
1,074,147
|
Select Experience By Issue Age
|
0-4
|
221.8
|
221.8
|
116.2
|
1
|
50
|
624
|
60,023
|
0
|
43
|
5-14
|
26.2
|
18.5
|
35.8
|
2
|
342
|
8,745
|
1,108,948
|
8
|
958
|
15-24
|
56.4
|
7.7
|
47.2
|
53
|
7,038
|
116,201
|
19,459,896
|
94
|
14,900
|
25-34
|
52.1
|
4.1
|
47.7
|
163
|
47,585
|
357,816
|
124,644,989
|
313
|
99,855
|
35-44
|
54.1
|
2.8
|
45.2
|
383
|
116,599
|
462,356
|
201,598,962
|
708
|
257,806
|
45-54
|
53.3
|
2.2
|
49.2
|
614
|
166,729
|
331,858
|
124,291,606
|
1,151
|
338,660
|
55-64
|
54.0
|
2.1
|
41.7
|
659
|
99,615
|
133,810
|
34,438,393
|
1,220
|
238,754
|
65-74
|
58.9
|
2.8
|
37.7
|
443
|
36,697
|
28,442
|
4,400,683
|
753
|
97,345
|
75-89
|
70.1
|
7.5
|
29.7
|
87
|
7,651
|
1,810
|
376,421
|
124
|
25,757
|
90+
|
115.9
|
115.9
|
124.1
|
1
|
85
|
4
|
275
|
1
|
68
|
Total
|
55.0
|
1.1
|
44.9
|
2,406
|
482,391
|
1,441,667
|
510,380,196
|
4,372
|
1,074,147
|
Ultimate Experience By Attained Age
|
15-19
|
62.4
|
31.2
|
66.2
|
4
|
313
|
7,720
|
569,523
|
6
|
473
|
20-29
|
65.2
|
15.0
|
53.5
|
19
|
930
|
29,302
|
1,749,601
|
29
|
1,738
|
30-39
|
76.0
|
11.0
|
61.1
|
48
|
2,763
|
54,603
|
3,905,150
|
63
|
4,521
|
40-49
|
58.4
|
4.1
|
50.4
|
203
|
20,853
|
181,759
|
21,083,607
|
348
|
41,361
|
50-59
|
48.9
|
1.9
|
40.0
|
695
|
78,942
|
322,022
|
44,766,178
|
1,422
|
197,502
|
60-69
|
49.6
|
1.3
|
43.0
|
1,373
|
143,542
|
228,983
|
28,221,841
|
2,768
|
333,660
|
70-79
|
50.5
|
1.1
|
44.6
|
1,984
|
147,029
|
106,355
|
9,210,551
|
3,932
|
330,025
|
80-89
|
63.4
|
1.2
|
53.1
|
2,654
|
155,074
|
43,353
|
3,066,779
|
4,186
|
292,125
|
90-99
|
79.3
|
3.2
|
81.1
|
599
|
39,214
|
3,735
|
236,588
|
756
|
48,340
|
100+
|
13.9
|
9.8
|
11.0
|
2
|
123
|
26
|
2,452
|
14
|
1,115
|
Total
|
56.1
|
0.6
|
47.1
|
7,581
|
588,783
|
977,858
|
112,812,270
|
13,524
|
1,250,860
|
GRAND TOTAL
|
55.8
|
0.6
|
46.1
|
9,987
|
1,071,173
|
2,419,524
|
623,192,466
|
17,896
|
2,325,006
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.3
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
42.8
|
12.4
|
31.1
|
12
|
3,306
|
45,721
|
14,755,886
|
28
|
10,625
|
2
|
45.1
|
11.6
|
33.9
|
15
|
4,716
|
43,161
|
13,833,415
|
33
|
13,931
|
3
|
46.2
|
10.9
|
23.1
|
18
|
4,137
|
40,274
|
13,273,914
|
39
|
17,909
|
4
|
44.7
|
11.5
|
25.0
|
15
|
3,893
|
33,220
|
9,763,977
|
34
|
15,575
|
5
|
57.0
|
13.1
|
35.1
|
19
|
5,257
|
30,577
|
8,649,765
|
33
|
14,985
|
6-10
|
51.4
|
6.0
|
59.7
|
73
|
28,766
|
111,250
|
22,682,267
|
142
|
48,220
|
11-15
|
39.0
|
6.0
|
24.8
|
43
|
2,639
|
78,911
|
5,991,295
|
110
|
10,634
|
Total
|
46.5
|
3.3
|
40.0
|
195
|
52,713
|
383,114
|
88,950,519
|
419
|
131,879
|
Select Experience By Issue Age
|
0-4
|
42.8
|
10.4
|
31.4
|
17
|
872
|
143,941
|
10,298,195
|
40
|
2,777
|
5-14
|
49.3
|
12.0
|
42.6
|
17
|
1,406
|
71,887
|
7,367,126
|
34
|
3,301
|
15-24
|
86.1
|
23.0
|
227.8
|
14
|
5,492
|
20,330
|
3,226,287
|
16
|
2,411
|
25-34
|
59.0
|
13.2
|
64.1
|
20
|
7,930
|
43,468
|
17,606,717
|
34
|
12,378
|
35-44
|
50.4
|
8.6
|
55.4
|
34
|
15,810
|
53,776
|
26,543,596
|
67
|
28,523
|
45-54
|
31.6
|
5.3
|
26.9
|
35
|
12,709
|
37,498
|
18,555,074
|
111
|
47,234
|
55-64
|
37.7
|
6.8
|
24.7
|
31
|
7,250
|
10,895
|
4,942,061
|
82
|
29,353
|
65-74
|
70.5
|
15.4
|
17.6
|
21
|
1,003
|
1,240
|
408,501
|
30
|
5,707
|
75-89
|
131.0
|
53.5
|
124.5
|
6
|
239
|
78
|
2,956
|
5
|
192
|
90+
|
|
|
106.7
|
0
|
1
|
0
|
7
|
0
|
1
|
Total
|
46.5
|
3.3
|
40.0
|
195
|
52,713
|
383,114
|
88,950,519
|
419
|
131,879
|
Ultimate Experience By Attained Age
|
15-19
|
35.1
|
11.1
|
20.6
|
10
|
262
|
36,868
|
1,651,271
|
28
|
1,271
|
20-29
|
69.3
|
7.7
|
64.1
|
80
|
3,049
|
116,594
|
4,808,979
|
115
|
4,759
|
30-39
|
87.7
|
8.0
|
68.0
|
121
|
2,671
|
112,973
|
3,230,810
|
138
|
3,928
|
40-49
|
80.2
|
5.4
|
66.5
|
218
|
6,126
|
119,010
|
3,867,594
|
272
|
9,213
|
50-59
|
69.3
|
2.1
|
62.8
|
1,042
|
35,086
|
233,233
|
8,854,117
|
1,503
|
55,863
|
60-69
|
57.7
|
1.1
|
48.8
|
2,934
|
63,195
|
296,925
|
7,849,153
|
5,087
|
129,513
|
70-79
|
61.3
|
0.8
|
55.1
|
6,176
|
93,333
|
226,071
|
3,912,271
|
10,069
|
169,510
|
80-89
|
74.9
|
0.7
|
74.2
|
11,213
|
144,120
|
143,304
|
1,884,848
|
14,967
|
194,108
|
90-99
|
75.6
|
1.2
|
81.2
|
4,316
|
43,398
|
25,673
|
249,061
|
5,710
|
53,467
|
100+
|
10.4
|
0.9
|
25.2
|
146
|
1,028
|
2,128
|
6,753
|
1,402
|
4,072
|
Total
|
66.8
|
0.4
|
62.7
|
26,256
|
392,270
|
1,312,778
|
36,314,857
|
39,293
|
625,705
|
GRAND TOTAL
|
66.6
|
0.4
|
58.7
|
26,451
|
444,983
|
1,695,892
|
125,265,376
|
39,712
|
757,584
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.4
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
54.2
|
19.2
|
31.8
|
8
|
751
|
15,051
|
3,249,051
|
15
|
2,364
|
2
|
74.5
|
18.6
|
33.1
|
16
|
1,132
|
14,882
|
3,093,857
|
21
|
3,415
|
3
|
83.2
|
17.7
|
69.3
|
22
|
2,837
|
15,045
|
2,935,845
|
26
|
4,091
|
4
|
87.1
|
17.1
|
77.7
|
26
|
3,246
|
15,034
|
2,756,863
|
30
|
4,178
|
5
|
71.8
|
14.7
|
55.1
|
24
|
2,588
|
14,832
|
2,719,406
|
33
|
4,700
|
6-10
|
75.2
|
5.7
|
56.9
|
172
|
15,782
|
70,693
|
10,481,716
|
229
|
27,732
|
11-15
|
85.7
|
4.5
|
73.4
|
358
|
19,727
|
78,829
|
6,075,088
|
418
|
26,895
|
Total
|
81.1
|
3.2
|
62.8
|
626
|
46,064
|
224,366
|
31,311,826
|
772
|
73,374
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,628
|
134,587
|
1
|
41
|
5-14
|
93.9
|
38.4
|
86.5
|
6
|
350
|
19,817
|
1,274,401
|
6
|
404
|
15-24
|
54.4
|
19.2
|
61.5
|
8
|
863
|
28,674
|
3,107,699
|
15
|
1,402
|
25-34
|
48.2
|
8.9
|
54.4
|
29
|
4,942
|
55,632
|
10,432,186
|
60
|
9,077
|
35-44
|
78.6
|
6.9
|
69.8
|
129
|
15,099
|
57,162
|
9,709,498
|
164
|
21,621
|
45-54
|
74.3
|
5.4
|
51.8
|
186
|
12,016
|
43,358
|
5,341,683
|
250
|
23,219
|
55-64
|
97.4
|
7.3
|
76.4
|
176
|
8,500
|
14,114
|
1,116,074
|
181
|
11,129
|
65-74
|
92.1
|
10.5
|
66.0
|
77
|
3,289
|
2,809
|
172,873
|
84
|
4,985
|
75-89
|
132.3
|
34.2
|
67.2
|
15
|
1,004
|
171
|
22,825
|
11
|
1,495
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
81.1
|
3.2
|
62.8
|
626
|
46,064
|
224,366
|
31,311,826
|
772
|
73,374
|
Ultimate Experience By Attained Age
|
15-19
|
29.2
|
29.2
|
15.2
|
1
|
25
|
10,645
|
509,908
|
3
|
164
|
20-29
|
86.4
|
26.1
|
84.5
|
11
|
445
|
32,237
|
1,340,989
|
13
|
526
|
30-39
|
53.6
|
12.3
|
64.0
|
19
|
997
|
36,338
|
1,559,394
|
35
|
1,557
|
40-49
|
65.1
|
6.3
|
57.8
|
106
|
6,006
|
53,944
|
3,414,909
|
163
|
10,393
|
50-59
|
74.2
|
3.7
|
70.4
|
412
|
21,374
|
84,321
|
4,712,791
|
555
|
30,373
|
60-69
|
83.9
|
3.2
|
88.1
|
676
|
24,097
|
52,521
|
1,857,707
|
806
|
27,351
|
70-79
|
101.8
|
3.4
|
85.5
|
892
|
15,517
|
24,032
|
504,668
|
876
|
18,148
|
80-89
|
97.2
|
3.6
|
80.5
|
735
|
10,720
|
9,209
|
166,633
|
756
|
13,309
|
90-99
|
93.5
|
6.9
|
131.7
|
186
|
2,842
|
1,113
|
12,230
|
199
|
2,158
|
100+
|
17.3
|
7.7
|
2.2
|
5
|
2
|
51
|
151
|
29
|
95
|
Total
|
88.6
|
1.6
|
78.8
|
3,043
|
82,025
|
304,413
|
14,079,380
|
3,436
|
104,075
|
GRAND TOTAL
|
87.2
|
1.4
|
72.2
|
3,669
|
128,089
|
528,779
|
45,391,205
|
4,208
|
177,449
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.5
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
33.2
|
6.9
|
30.0
|
23
|
5,332
|
135,673
|
44,457,203
|
69
|
17,745
|
2
|
49.8
|
7.2
|
35.9
|
48
|
8,562
|
129,266
|
40,148,804
|
96
|
23,862
|
3
|
64.0
|
7.4
|
70.4
|
75
|
20,208
|
127,773
|
39,110,720
|
117
|
28,719
|
4
|
48.7
|
6.1
|
40.0
|
63
|
11,206
|
121,468
|
35,317,313
|
129
|
28,024
|
5
|
50.4
|
6.0
|
43.4
|
70
|
13,183
|
114,761
|
32,728,584
|
139
|
30,386
|
6-10
|
59.0
|
2.4
|
57.6
|
594
|
102,471
|
482,886
|
114,134,699
|
1,007
|
177,901
|
11-15
|
57.1
|
1.8
|
56.5
|
983
|
106,399
|
359,797
|
50,175,273
|
1,723
|
188,224
|
Total
|
56.6
|
1.3
|
54.0
|
1,856
|
267,361
|
1,471,624
|
356,072,595
|
3,281
|
494,861
|
Select Experience By Issue Age
|
0-4
|
506.5
|
506.5
|
441.0
|
1
|
98
|
649
|
73,422
|
0
|
22
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,593
|
1,079,672
|
3
|
348
|
15-24
|
61.8
|
12.1
|
77.3
|
26
|
4,603
|
132,200
|
20,715,887
|
42
|
5,951
|
25-34
|
59.5
|
5.3
|
52.2
|
127
|
26,906
|
433,459
|
119,056,993
|
213
|
51,519
|
35-44
|
64.5
|
3.8
|
55.4
|
292
|
61,065
|
445,623
|
131,545,652
|
453
|
110,323
|
45-54
|
54.5
|
2.8
|
51.1
|
369
|
57,026
|
290,623
|
62,657,436
|
677
|
111,562
|
55-64
|
52.8
|
2.6
|
38.6
|
424
|
31,596
|
120,592
|
16,223,130
|
804
|
81,836
|
65-74
|
52.6
|
2.6
|
57.7
|
421
|
49,361
|
35,367
|
3,909,009
|
800
|
85,615
|
75-89
|
67.9
|
4.8
|
77.0
|
196
|
36,707
|
4,516
|
811,320
|
289
|
47,671
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
75
|
0
|
12
|
Total
|
56.6
|
1.3
|
54.0
|
1,856
|
267,361
|
1,471,624
|
356,072,595
|
3,281
|
494,861
|
Ultimate Experience By Attained Age
|
15-19
|
80.7
|
57.0
|
36.9
|
2
|
67
|
7,554
|
557,760
|
2
|
182
|
20-29
|
69.7
|
24.6
|
77.0
|
8
|
521
|
29,225
|
1,737,695
|
11
|
677
|
30-39
|
62.1
|
13.6
|
85.4
|
21
|
2,001
|
55,239
|
3,798,499
|
34
|
2,343
|
40-49
|
62.5
|
5.1
|
52.8
|
151
|
12,179
|
188,349
|
17,807,844
|
242
|
23,083
|
50-59
|
57.1
|
2.8
|
54.4
|
430
|
37,753
|
277,811
|
25,908,497
|
753
|
69,371
|
60-69
|
55.6
|
2.0
|
59.8
|
760
|
51,842
|
184,855
|
12,317,433
|
1,367
|
86,719
|
70-79
|
51.2
|
1.5
|
44.8
|
1,114
|
40,659
|
93,013
|
3,928,645
|
2,177
|
90,782
|
80-89
|
68.1
|
1.4
|
58.9
|
2,243
|
77,335
|
48,157
|
1,890,021
|
3,292
|
131,189
|
90-99
|
82.2
|
2.9
|
78.4
|
822
|
33,174
|
6,199
|
262,917
|
1,000
|
42,301
|
100+
|
48.1
|
17.0
|
90.4
|
8
|
1,153
|
33
|
3,189
|
17
|
1,275
|
Total
|
62.5
|
0.8
|
57.3
|
5,559
|
256,686
|
890,434
|
68,212,502
|
8,895
|
447,922
|
GRAND TOTAL
|
60.9
|
0.7
|
55.6
|
7,415
|
524,047
|
2,362,057
|
424,285,097
|
12,177
|
942,783
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 8.6
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
11.4
|
8.1
|
2.3
|
2
|
105
|
42,553
|
10,976,258
|
18
|
4,652
|
2
|
25.7
|
11.5
|
9.8
|
5
|
585
|
40,294
|
10,490,948
|
19
|
5,962
|
3
|
52.6
|
15.9
|
37.4
|
11
|
2,495
|
36,838
|
9,501,094
|
21
|
6,674
|
4
|
64.5
|
19.4
|
52.9
|
11
|
2,762
|
30,468
|
6,840,770
|
17
|
5,219
|
5
|
142.6
|
29.1
|
101.8
|
24
|
4,852
|
28,019
|
6,142,212
|
17
|
4,767
|
6-10
|
39.7
|
7.0
|
32.7
|
32
|
5,191
|
104,921
|
15,834,553
|
81
|
15,897
|
11-15
|
55.1
|
7.9
|
45.5
|
49
|
2,947
|
79,272
|
5,870,345
|
89
|
6,477
|
Total
|
51.3
|
4.4
|
38.1
|
134
|
18,937
|
362,365
|
65,656,181
|
261
|
49,647
|
Select Experience By Issue Age
|
0-4
|
22.3
|
9.1
|
22.6
|
6
|
462
|
140,675
|
10,677,516
|
27
|
2,046
|
5-14
|
54.1
|
19.1
|
23.2
|
8
|
358
|
69,419
|
7,510,910
|
15
|
1,548
|
15-24
|
42.4
|
24.5
|
25.9
|
3
|
259
|
21,297
|
3,426,265
|
7
|
1,001
|
25-34
|
62.2
|
16.1
|
69.4
|
15
|
4,770
|
48,247
|
16,432,490
|
24
|
6,875
|
35-44
|
35.7
|
8.4
|
28.9
|
18
|
4,403
|
48,843
|
17,694,199
|
50
|
15,234
|
45-54
|
41.1
|
8.4
|
28.8
|
24
|
4,228
|
26,603
|
8,386,431
|
58
|
14,693
|
55-64
|
52.5
|
12.0
|
46.1
|
19
|
2,637
|
5,944
|
1,392,545
|
36
|
5,716
|
65-74
|
88.1
|
17.3
|
67.5
|
26
|
1,340
|
1,155
|
127,219
|
30
|
1,986
|
75-89
|
108.2
|
27.9
|
87.5
|
15
|
479
|
183
|
8,601
|
14
|
547
|
90+
|
|
|
111.9
|
0
|
1
|
0
|
3
|
0
|
0
|
Total
|
51.3
|
4.4
|
38.1
|
134
|
18,937
|
362,365
|
65,656,181
|
261
|
49,647
|
Ultimate Experience By Attained Age
|
15-19
|
53.7
|
21.9
|
67.9
|
6
|
384
|
35,466
|
1,797,493
|
11
|
566
|
20-29
|
62.8
|
12.1
|
59.0
|
27
|
1,097
|
111,699
|
4,872,510
|
43
|
1,861
|
30-39
|
72.7
|
10.0
|
89.8
|
53
|
1,809
|
101,148
|
2,849,890
|
73
|
2,015
|
40-49
|
63.1
|
5.9
|
52.3
|
114
|
3,007
|
98,262
|
3,039,309
|
181
|
5,745
|
50-59
|
77.0
|
3.2
|
61.1
|
565
|
12,957
|
181,253
|
5,409,726
|
733
|
21,202
|
60-69
|
70.7
|
2.0
|
63.1
|
1,253
|
18,375
|
181,975
|
3,152,221
|
1,773
|
29,138
|
70-79
|
77.0
|
1.5
|
69.6
|
2,513
|
20,694
|
120,631
|
1,141,724
|
3,263
|
29,724
|
80-89
|
82.0
|
1.1
|
85.5
|
5,343
|
34,804
|
88,344
|
562,391
|
6,520
|
40,728
|
90-99
|
74.6
|
1.3
|
75.0
|
3,077
|
14,125
|
22,695
|
106,648
|
4,125
|
18,846
|
100+
|
18.2
|
1.4
|
54.2
|
173
|
1,191
|
1,558
|
4,021
|
948
|
2,197
|
Total
|
74.3
|
0.6
|
71.3
|
13,124
|
108,443
|
943,030
|
22,935,933
|
17,670
|
152,020
|
GRAND TOTAL
|
73.9
|
0.6
|
63.2
|
13,258
|
127,379
|
1,305,395
|
88,592,114
|
17,931
|
201,668
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.1
TOTAL EXPERIENCE -- WHOLE LIFE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
40.6
|
9.3
|
15.1
|
19
|
1,052
|
71,634
|
11,610,327
|
47
|
6,980
|
2
|
87.1
|
12.2
|
58.5
|
51
|
4,768
|
64,424
|
10,252,534
|
59
|
8,148
|
3
|
103.1
|
13.3
|
48.8
|
60
|
4,026
|
52,875
|
8,814,076
|
58
|
8,255
|
4
|
77.2
|
10.8
|
32.1
|
51
|
2,596
|
49,845
|
6,743,460
|
66
|
8,088
|
5
|
72.5
|
10.1
|
66.3
|
52
|
5,732
|
46,516
|
7,073,122
|
72
|
8,652
|
6-10
|
67.7
|
3.9
|
53.4
|
305
|
28,000
|
209,486
|
26,599,765
|
450
|
52,434
|
11-15
|
62.2
|
2.3
|
50.0
|
716
|
39,657
|
254,410
|
20,876,235
|
1,151
|
79,322
|
Total
|
65.9
|
1.9
|
49.9
|
1,254
|
85,830
|
749,191
|
91,969,519
|
1,903
|
171,879
|
Select Experience By Issue Age
|
0-4
|
25.1
|
8.0
|
21.3
|
10
|
564
|
160,008
|
10,983,736
|
40
|
2,650
|
5-29
|
60.2
|
6.3
|
48.1
|
91
|
7,653
|
264,699
|
29,383,998
|
151
|
15,899
|
30-44
|
63.9
|
4.9
|
50.2
|
171
|
19,309
|
175,447
|
32,018,945
|
267
|
38,483
|
45-59
|
65.0
|
3.1
|
50.0
|
441
|
31,194
|
113,847
|
16,613,554
|
678
|
62,382
|
60-74
|
68.6
|
3.2
|
52.8
|
454
|
23,607
|
33,253
|
2,814,160
|
662
|
44,687
|
75-89
|
83.4
|
9.0
|
44.4
|
86
|
3,418
|
1,933
|
154,778
|
103
|
7,696
|
90-120
|
97.2
|
97.2
|
105.0
|
1
|
85
|
5
|
350
|
1
|
81
|
Total
|
65.9
|
1.9
|
49.9
|
1,254
|
85,830
|
749,191
|
91,969,519
|
1,903
|
171,879
|
Ultimate Experience By Attained Age
|
15-29
|
64.6
|
5.4
|
57.8
|
143
|
5,872
|
331,894
|
15,556,956
|
221
|
10,153
|
30-44
|
71.9
|
3.5
|
60.1
|
425
|
14,415
|
490,934
|
19,970,389
|
591
|
23,982
|
45-59
|
65.7
|
1.2
|
52.6
|
3,015
|
119,295
|
1,029,676
|
54,200,653
|
4,588
|
226,960
|
60-74
|
60.0
|
0.6
|
49.6
|
10,543
|
260,813
|
970,834
|
32,122,540
|
17,562
|
525,601
|
75-89
|
72.6
|
0.5
|
64.5
|
25,923
|
376,923
|
489,940
|
8,262,014
|
35,711
|
583,978
|
90-120
|
64.5
|
0.7
|
77.5
|
8,257
|
80,789
|
55,987
|
506,721
|
12,802
|
104,278
|
Total
|
67.6
|
0.3
|
58.2
|
48,306
|
858,108
|
3,369,265
|
130,619,273
|
71,476
|
1,474,952
|
GRAND TOTAL
|
67.5
|
0.3
|
57.3
|
49,560
|
943,938
|
4,118,456
|
222,588,792
|
73,379
|
1,646,831
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.2
TOTAL EXPERIENCE -- RENEWABLE TERM (10 YEAR RENEWAL TERM)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
60.3
|
8.9
|
61.1
|
46
|
18,925
|
93,753
|
43,530,235
|
76
|
30,979
|
2
|
43.2
|
6.4
|
55.7
|
45
|
22,830
|
88,120
|
40,002,675
|
104
|
40,993
|
3
|
57.1
|
6.7
|
47.7
|
73
|
23,200
|
86,421
|
37,479,049
|
128
|
48,643
|
4
|
57.4
|
6.8
|
45.9
|
72
|
21,445
|
72,147
|
30,709,598
|
125
|
46,763
|
5
|
55.5
|
6.6
|
43.9
|
71
|
21,520
|
65,304
|
28,045,367
|
128
|
49,053
|
6-10
|
56.8
|
2.6
|
52.3
|
473
|
133,668
|
286,681
|
99,311,666
|
833
|
255,515
|
11-15
|
85.7
|
4.6
|
90.9
|
350
|
70,886
|
106,447
|
22,748,784
|
409
|
77,949
|
Total
|
62.7
|
1.9
|
56.8
|
1,130
|
312,474
|
798,874
|
301,827,374
|
1,803
|
549,895
|
Select Experience By Issue Age
|
0-4
|
127.3
|
127.3
|
72.7
|
1
|
50
|
3,207
|
277,768
|
1
|
69
|
5-29
|
59.6
|
9.5
|
51.3
|
39
|
9,088
|
108,460
|
31,630,975
|
65
|
17,730
|
30-44
|
64.5
|
3.7
|
57.0
|
309
|
97,096
|
371,100
|
157,906,439
|
479
|
170,205
|
45-59
|
62.1
|
2.6
|
58.9
|
588
|
171,528
|
281,607
|
103,529,827
|
947
|
291,255
|
60-74
|
62.3
|
4.5
|
49.6
|
193
|
34,710
|
34,481
|
8,465,305
|
310
|
69,943
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
19
|
17,060
|
1
|
694
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
62.7
|
1.9
|
56.8
|
1,130
|
312,474
|
798,874
|
301,827,374
|
1,803
|
549,895
|
Ultimate Experience By Attained Age
|
15-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
227
|
12,484
|
0
|
8
|
30-44
|
72.2
|
22.8
|
91.1
|
10
|
1,785
|
9,950
|
1,405,749
|
14
|
1,959
|
45-59
|
67.2
|
5.0
|
60.8
|
182
|
26,749
|
66,611
|
11,191,151
|
271
|
43,965
|
60-74
|
69.2
|
4.5
|
57.1
|
233
|
26,305
|
24,700
|
3,501,009
|
337
|
46,067
|
75-89
|
69.4
|
20.9
|
35.2
|
11
|
665
|
349
|
41,499
|
16
|
1,888
|
90-120
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
25
|
1
|
25
|
Total
|
68.3
|
3.3
|
59.1
|
436
|
55,504
|
101,838
|
16,151,918
|
638
|
93,913
|
GRAND TOTAL
|
64.2
|
1.6
|
57.2
|
1,566
|
367,978
|
900,712
|
317,979,292
|
2,441
|
643,808
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.3
TOTAL EXPERIENCE -- RENEWABLE TERM (20 YEAR RENEWAL TERM)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
33.1
|
8.6
|
20.0
|
15
|
3,527
|
86,373
|
36,576,114
|
45
|
17,609
|
2
|
49.6
|
9.5
|
56.0
|
27
|
11,360
|
75,035
|
30,441,184
|
54
|
20,303
|
3
|
59.2
|
9.9
|
46.5
|
36
|
10,007
|
69,912
|
26,959,020
|
61
|
21,531
|
4
|
56.3
|
9.1
|
47.0
|
38
|
11,156
|
66,631
|
25,635,556
|
68
|
23,729
|
5
|
80.4
|
10.6
|
70.9
|
58
|
17,070
|
60,982
|
22,583,993
|
72
|
24,071
|
6-10
|
53.3
|
3.7
|
53.7
|
204
|
58,221
|
211,553
|
66,110,840
|
383
|
108,474
|
11-15
|
57.7
|
4.1
|
50.9
|
198
|
37,557
|
93,637
|
21,605,331
|
343
|
73,719
|
Total
|
56.1
|
2.3
|
51.4
|
576
|
148,898
|
664,122
|
229,912,037
|
1,026
|
289,436
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,681
|
268,007
|
1
|
67
|
5-29
|
54.7
|
9.8
|
40.5
|
31
|
6,330
|
108,445
|
31,264,642
|
57
|
15,630
|
30-44
|
56.2
|
3.7
|
53.3
|
234
|
75,776
|
391,759
|
152,515,303
|
417
|
142,223
|
45-59
|
55.1
|
3.4
|
49.2
|
265
|
59,388
|
153,165
|
44,770,694
|
481
|
120,817
|
60-74
|
64.8
|
9.6
|
69.2
|
46
|
7,404
|
7,066
|
1,093,091
|
71
|
10,694
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
6
|
300
|
0
|
4
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
56.1
|
2.3
|
51.4
|
576
|
148,898
|
664,122
|
229,912,037
|
1,026
|
289,436
|
Ultimate Experience By Attained Age
|
15-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
125
|
2,950
|
0
|
2
|
30-44
|
51.0
|
36.1
|
37.5
|
2
|
202
|
2,835
|
391,256
|
4
|
539
|
45-59
|
45.7
|
7.5
|
39.1
|
37
|
5,471
|
21,448
|
3,771,906
|
81
|
13,988
|
60-74
|
56.2
|
7.7
|
66.0
|
53
|
9,445
|
7,337
|
1,141,239
|
94
|
14,302
|
75-89
|
33.5
|
11.9
|
17.5
|
8
|
385
|
414
|
38,866
|
24
|
2,204
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
49.2
|
4.9
|
50.0
|
100
|
15,503
|
32,160
|
5,346,217
|
203
|
31,035
|
GRAND TOTAL
|
55.0
|
2.1
|
51.3
|
676
|
164,401
|
696,282
|
235,258,254
|
1,229
|
320,471
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.4
TOTAL EXPERIENCE -- UNIVERSAL LIFE (YRT COST OF INSURANCE)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
36.9
|
16.5
|
19.1
|
5
|
750
|
25,327
|
6,609,746
|
14
|
3,933
|
2
|
17.3
|
10.0
|
5.2
|
3
|
300
|
24,856
|
6,795,275
|
17
|
5,760
|
3
|
56.5
|
17.0
|
59.9
|
11
|
3,610
|
22,768
|
6,372,631
|
19
|
6,022
|
4
|
58.8
|
16.3
|
41.2
|
13
|
2,700
|
22,365
|
6,484,730
|
22
|
6,554
|
5
|
61.3
|
14.9
|
47.9
|
17
|
3,787
|
23,896
|
6,793,570
|
28
|
7,911
|
6-10
|
58.7
|
5.8
|
61.3
|
102
|
28,160
|
91,540
|
24,144,661
|
174
|
45,967
|
11-15
|
55.0
|
4.1
|
37.2
|
176
|
19,298
|
93,554
|
14,878,930
|
320
|
51,844
|
Total
|
55.1
|
3.0
|
45.8
|
327
|
58,605
|
304,306
|
72,079,542
|
594
|
127,991
|
Select Experience By Issue Age
|
0-4
|
14.7
|
14.7
|
13.5
|
1
|
104
|
27,369
|
3,263,287
|
7
|
771
|
5-29
|
64.6
|
10.6
|
53.2
|
37
|
5,766
|
99,143
|
19,485,149
|
57
|
10,843
|
30-44
|
63.1
|
6.4
|
46.4
|
98
|
18,139
|
117,721
|
33,109,786
|
155
|
39,084
|
45-59
|
52.1
|
4.7
|
33.3
|
124
|
17,495
|
52,728
|
14,466,935
|
238
|
52,559
|
60-74
|
48.2
|
6.4
|
74.1
|
57
|
15,557
|
7,023
|
1,665,368
|
118
|
21,002
|
75-89
|
54.7
|
17.3
|
41.3
|
10
|
1,543
|
323
|
89,018
|
18
|
3,731
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
55.1
|
3.0
|
45.8
|
327
|
58,605
|
304,306
|
72,079,542
|
594
|
127,991
|
Ultimate Experience By Attained Age
|
15-29
|
83.0
|
16.0
|
86.8
|
27
|
1,586
|
49,203
|
2,776,919
|
33
|
1,827
|
30-44
|
79.3
|
13.2
|
74.4
|
36
|
2,338
|
37,121
|
2,602,263
|
45
|
3,144
|
45-59
|
51.2
|
4.0
|
45.1
|
160
|
14,869
|
77,443
|
8,287,982
|
312
|
32,989
|
60-74
|
57.4
|
3.1
|
54.0
|
353
|
32,983
|
42,537
|
4,362,533
|
615
|
61,053
|
75-89
|
63.7
|
3.7
|
85.1
|
303
|
36,526
|
7,572
|
648,607
|
475
|
42,925
|
90-120
|
79.6
|
11.7
|
59.1
|
46
|
1,698
|
329
|
17,229
|
58
|
2,874
|
Total
|
60.1
|
2.0
|
62.1
|
925
|
90,000
|
214,204
|
18,695,531
|
1,539
|
144,812
|
GRAND TOTAL
|
58.7
|
1.7
|
54.5
|
1,252
|
148,605
|
518,510
|
90,775,073
|
2,133
|
272,804
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.5
TOTAL EXPERIENCE -- UNIVERSAL LIFE (LEVEL COST OF INSURANCE)
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
50.8
|
11.4
|
19.8
|
20
|
1,303
|
56,211
|
9,190,517
|
39
|
6,585
|
2
|
73.2
|
10.9
|
67.9
|
45
|
7,939
|
64,167
|
10,951,680
|
61
|
11,687
|
3
|
58.1
|
8.5
|
69.5
|
47
|
11,353
|
70,895
|
13,079,689
|
81
|
16,323
|
4
|
58.1
|
8.1
|
42.3
|
52
|
6,265
|
69,030
|
11,121,423
|
90
|
14,811
|
5
|
51.6
|
7.2
|
39.3
|
51
|
7,106
|
67,027
|
11,509,575
|
99
|
18,086
|
6-10
|
61.0
|
2.9
|
44.8
|
433
|
54,077
|
270,390
|
42,671,093
|
710
|
120,712
|
11-15
|
53.5
|
1.8
|
41.4
|
853
|
94,271
|
278,002
|
38,142,419
|
1,594
|
227,758
|
Total
|
56.1
|
1.4
|
43.8
|
1,501
|
182,314
|
875,722
|
136,666,397
|
2,674
|
415,961
|
Select Experience By Issue Age
|
0-4
|
75.7
|
23.9
|
66.8
|
10
|
644
|
56,671
|
4,147,295
|
13
|
964
|
5-29
|
59.2
|
6.2
|
75.2
|
90
|
14,915
|
256,003
|
33,894,114
|
152
|
19,841
|
30-44
|
53.8
|
3.3
|
44.7
|
261
|
37,385
|
336,068
|
62,332,423
|
485
|
83,693
|
45-59
|
55.1
|
2.4
|
32.9
|
507
|
42,566
|
177,946
|
28,786,404
|
920
|
129,241
|
60-74
|
54.5
|
2.4
|
38.8
|
502
|
52,526
|
46,255
|
6,743,723
|
921
|
135,211
|
75-89
|
71.8
|
6.3
|
72.9
|
131
|
34,278
|
2,778
|
762,438
|
182
|
47,012
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
56.1
|
1.4
|
43.8
|
1,501
|
182,314
|
875,722
|
136,666,397
|
2,674
|
415,961
|
Ultimate Experience By Attained Age
|
15-29
|
56.0
|
21.2
|
22.7
|
7
|
145
|
19,522
|
981,265
|
13
|
640
|
30-44
|
60.8
|
11.7
|
49.4
|
27
|
2,360
|
35,401
|
3,759,596
|
44
|
4,780
|
45-59
|
47.8
|
3.5
|
33.1
|
190
|
21,065
|
102,308
|
16,476,673
|
398
|
63,692
|
60-74
|
45.1
|
2.4
|
36.9
|
348
|
45,239
|
54,346
|
8,680,080
|
772
|
122,645
|
75-89
|
52.8
|
3.3
|
57.2
|
264
|
48,398
|
8,372
|
1,392,214
|
500
|
84,569
|
90-120
|
68.1
|
12.4
|
60.4
|
30
|
3,367
|
266
|
33,190
|
44
|
5,572
|
Total
|
48.9
|
1.7
|
42.8
|
866
|
120,574
|
220,214
|
31,323,018
|
1,770
|
281,899
|
GRAND TOTAL
|
53.3
|
1.1
|
43.4
|
2,367
|
302,888
|
1,095,937
|
167,989,414
|
4,444
|
697,860
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 9.6
TOTAL EXPERIENCE -- TERM TO 100
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
31.1
|
10.4
|
28.8
|
9
|
3,085
|
38,144
|
18,741,951
|
29
|
10,720
|
2
|
44.5
|
10.5
|
25.3
|
18
|
3,845
|
37,538
|
18,520,183
|
40
|
15,182
|
3
|
37.7
|
8.2
|
17.0
|
21
|
3,470
|
41,157
|
20,244,109
|
56
|
20,454
|
4
|
22.7
|
5.9
|
16.0
|
15
|
3,430
|
39,719
|
17,807,909
|
66
|
21,450
|
5
|
33.0
|
6.6
|
28.1
|
25
|
6,964
|
39,690
|
17,186,340
|
76
|
24,807
|
6-10
|
38.9
|
2.5
|
23.9
|
235
|
30,367
|
166,552
|
55,393,316
|
604
|
126,896
|
11-15
|
56.2
|
2.5
|
48.5
|
514
|
34,090
|
98,477
|
11,366,468
|
914
|
70,307
|
Total
|
46.9
|
1.6
|
29.4
|
837
|
85,252
|
461,277
|
159,260,276
|
1,785
|
289,817
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
8,185
|
286,513
|
2
|
57
|
5-29
|
17.3
|
6.5
|
10.5
|
7
|
1,010
|
65,760
|
17,920,586
|
40
|
9,607
|
30-44
|
34.6
|
3.7
|
25.6
|
86
|
22,600
|
211,537
|
95,081,045
|
248
|
88,281
|
45-59
|
41.2
|
2.6
|
24.0
|
243
|
27,636
|
138,268
|
41,672,285
|
590
|
115,335
|
60-74
|
52.9
|
2.6
|
45.2
|
408
|
27,361
|
35,912
|
4,109,422
|
772
|
60,524
|
75-89
|
70.0
|
7.3
|
41.5
|
93
|
6,644
|
1,614
|
190,425
|
133
|
16,012
|
90-120
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
46.9
|
1.6
|
29.4
|
837
|
85,252
|
461,277
|
159,260,276
|
1,785
|
289,817
|
Ultimate Experience By Attained Age
|
15-29
|
20.6
|
14.6
|
40.8
|
2
|
110
|
14,934
|
432,987
|
10
|
270
|
30-44
|
79.3
|
14.5
|
68.1
|
30
|
1,685
|
30,302
|
1,926,808
|
38
|
2,473
|
45-59
|
50.1
|
3.0
|
42.5
|
273
|
23,346
|
127,786
|
13,413,944
|
545
|
54,949
|
60-74
|
54.3
|
1.7
|
43.5
|
1,032
|
68,822
|
112,685
|
9,993,118
|
1,901
|
158,303
|
75-89
|
62.7
|
1.3
|
47.7
|
2,403
|
131,498
|
56,416
|
3,960,995
|
3,831
|
275,815
|
90-120
|
78.1
|
3.4
|
80.5
|
526
|
42,401
|
3,670
|
280,444
|
674
|
52,693
|
Total
|
61.0
|
0.9
|
49.2
|
4,266
|
267,861
|
345,794
|
30,008,297
|
6,998
|
544,504
|
GRAND TOTAL
|
58.1
|
0.8
|
42.3
|
5,103
|
353,113
|
807,071
|
189,268,573
|
8,783
|
834,320
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.1
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
38.5
|
27.2
|
26.3
|
2
|
565
|
4,238
|
2,044,785
|
5
|
2,147
|
2
|
44.9
|
25.9
|
19.7
|
3
|
550
|
3,960
|
1,884,578
|
7
|
2,794
|
3
|
34.7
|
20.1
|
32.8
|
3
|
1,175
|
4,249
|
2,014,470
|
9
|
3,585
|
4
|
51.3
|
22.9
|
69.4
|
5
|
2,452
|
4,025
|
1,697,602
|
10
|
3,532
|
5
|
77.5
|
27.4
|
51.1
|
8
|
2,225
|
3,737
|
1,717,094
|
10
|
4,351
|
6-10
|
40.9
|
7.7
|
30.8
|
28
|
7,152
|
14,343
|
5,383,803
|
68
|
23,234
|
11-15
|
49.7
|
11.7
|
48.1
|
18
|
3,543
|
5,164
|
1,125,564
|
36
|
7,370
|
Total
|
46.1
|
5.6
|
37.6
|
67
|
17,662
|
39,715
|
15,867,896
|
145
|
47,012
|
Select Experience By Issue Age
|
0-4
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
609
|
0
|
0
|
15-24
|
95.4
|
67.5
|
120.5
|
2
|
619
|
2,008
|
542,244
|
2
|
513
|
25-34
|
40.5
|
15.3
|
34.1
|
7
|
2,200
|
13,240
|
5,467,706
|
17
|
6,447
|
35-44
|
36.0
|
9.3
|
37.0
|
15
|
5,958
|
14,458
|
6,506,712
|
42
|
16,105
|
45-54
|
45.3
|
8.7
|
35.6
|
27
|
6,450
|
8,433
|
2,925,362
|
60
|
18,114
|
55-64
|
69.3
|
17.9
|
45.2
|
15
|
2,415
|
1,475
|
408,956
|
22
|
5,339
|
65-74
|
33.8
|
33.8
|
4.2
|
1
|
21
|
98
|
16,258
|
3
|
493
|
75-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
50
|
0
|
2
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
46.1
|
5.6
|
37.6
|
67
|
17,662
|
39,715
|
15,867,896
|
145
|
47,012
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
15
|
0
|
0
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
50
|
0
|
0
|
50-59
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
60-69
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
70-79
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
80-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
65
|
0
|
0
|
GRAND TOTAL
|
46.1
|
5.6
|
37.6
|
67
|
17,662
|
39,717
|
15,867,961
|
145
|
47,013
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.2
TOTAL EXPERIENCE -- MALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.7
|
17.9
|
25.3
|
9
|
1,120
|
12,819
|
4,088,954
|
17
|
4,421
|
2
|
85.3
|
20.1
|
123.5
|
18
|
6,310
|
11,042
|
3,320,269
|
21
|
5,108
|
3
|
53.9
|
15.6
|
29.1
|
12
|
1,437
|
9,695
|
2,632,917
|
22
|
4,943
|
4
|
54.4
|
15.1
|
45.0
|
13
|
2,210
|
8,816
|
2,236,539
|
24
|
4,913
|
5
|
60.2
|
15.0
|
94.5
|
16
|
5,059
|
8,754
|
2,147,128
|
27
|
5,352
|
6-10
|
45.2
|
5.2
|
56.5
|
75
|
17,141
|
36,111
|
7,602,292
|
166
|
30,325
|
11-15
|
50.9
|
6.6
|
60.6
|
59
|
6,315
|
17,022
|
1,721,877
|
116
|
10,421
|
Total
|
51.5
|
3.6
|
60.5
|
202
|
39,592
|
104,259
|
23,749,977
|
392
|
65,483
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
195
|
5,981
|
0
|
4
|
5-14
|
53.6
|
26.8
|
255.1
|
4
|
1,050
|
9,089
|
508,243
|
7
|
412
|
15-24
|
76.3
|
28.8
|
63.1
|
7
|
718
|
9,025
|
1,214,254
|
9
|
1,137
|
25-34
|
46.7
|
11.3
|
58.6
|
17
|
5,295
|
29,722
|
7,978,820
|
36
|
9,033
|
35-44
|
45.4
|
7.3
|
48.2
|
39
|
10,126
|
30,159
|
8,993,269
|
86
|
20,999
|
45-54
|
51.3
|
6.1
|
63.7
|
72
|
15,465
|
19,989
|
4,330,814
|
140
|
24,272
|
55-64
|
48.6
|
7.5
|
71.4
|
42
|
5,969
|
5,343
|
677,396
|
86
|
8,360
|
65-74
|
78.4
|
17.5
|
75.0
|
20
|
919
|
720
|
40,743
|
26
|
1,225
|
75-89
|
78.7
|
78.7
|
123.4
|
1
|
50
|
17
|
456
|
1
|
41
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
51.5
|
3.6
|
60.5
|
202
|
39,592
|
104,259
|
23,749,977
|
392
|
65,483
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
26
|
1,885
|
0
|
2
|
20-29
|
432.3
|
432.3
|
332.1
|
1
|
50
|
233
|
15,203
|
0
|
15
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
80
|
4,574
|
0
|
8
|
40-49
|
96.2
|
96.2
|
85.1
|
1
|
100
|
236
|
26,608
|
1
|
117
|
50-59
|
28.2
|
19.9
|
55.7
|
2
|
501
|
594
|
76,978
|
7
|
900
|
60-69
|
48.1
|
17.0
|
44.5
|
8
|
666
|
536
|
49,656
|
17
|
1,497
|
70-79
|
93.6
|
31.2
|
224.0
|
9
|
1,295
|
145
|
8,903
|
10
|
578
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
5
|
215
|
1
|
28
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
59.3
|
12.9
|
83.1
|
21
|
2,613
|
1,857
|
184,020
|
35
|
3,146
|
GRAND TOTAL
|
52.1
|
3.5
|
61.5
|
223
|
42,204
|
106,116
|
23,933,997
|
428
|
68,629
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.3
TOTAL EXPERIENCE -- MALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
59.4
|
24.2
|
34.6
|
6
|
485
|
6,717
|
1,203,434
|
10
|
1,399
|
2
|
98.1
|
24.5
|
56.9
|
16
|
1,068
|
7,264
|
1,165,867
|
16
|
1,877
|
3
|
91.7
|
21.0
|
44.5
|
19
|
1,196
|
7,318
|
1,329,379
|
21
|
2,690
|
4
|
62.8
|
16.2
|
29.1
|
15
|
881
|
7,736
|
1,354,657
|
24
|
3,031
|
5
|
62.9
|
15.3
|
57.0
|
17
|
2,157
|
7,633
|
1,414,506
|
27
|
3,786
|
6-10
|
66.7
|
5.5
|
55.4
|
148
|
14,774
|
41,194
|
6,324,604
|
222
|
26,647
|
11-15
|
58.4
|
3.2
|
50.6
|
335
|
23,411
|
63,231
|
6,154,017
|
574
|
46,262
|
Total
|
62.2
|
2.6
|
51.3
|
556
|
43,971
|
141,093
|
18,946,465
|
894
|
85,693
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,546
|
128,960
|
2
|
93
|
5-14
|
84.6
|
28.2
|
27.6
|
9
|
192
|
12,139
|
819,344
|
11
|
698
|
15-24
|
111.0
|
21.4
|
112.5
|
27
|
2,760
|
20,523
|
2,210,854
|
24
|
2,453
|
25-34
|
51.0
|
8.9
|
42.0
|
33
|
4,104
|
34,534
|
5,725,152
|
65
|
9,762
|
35-44
|
50.6
|
5.2
|
42.0
|
94
|
11,085
|
37,062
|
6,345,668
|
186
|
26,379
|
45-54
|
60.7
|
4.5
|
46.8
|
178
|
13,441
|
24,472
|
3,013,689
|
293
|
28,690
|
55-64
|
66.1
|
5.5
|
61.4
|
144
|
8,387
|
8,084
|
630,502
|
218
|
13,653
|
65-74
|
70.7
|
9.0
|
95.9
|
62
|
3,571
|
1,641
|
69,276
|
88
|
3,725
|
75-89
|
118.2
|
39.4
|
180.1
|
9
|
431
|
92
|
3,020
|
8
|
239
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
62.2
|
2.6
|
51.3
|
556
|
43,971
|
141,093
|
18,946,465
|
894
|
85,693
|
Ultimate Experience By Attained Age
|
15-19
|
68.5
|
28.0
|
95.9
|
6
|
389
|
10,829
|
502,762
|
9
|
406
|
20-29
|
75.6
|
14.8
|
73.2
|
26
|
1,034
|
34,570
|
1,422,020
|
34
|
1,413
|
30-39
|
63.5
|
9.7
|
57.7
|
43
|
1,701
|
38,905
|
1,679,646
|
68
|
2,947
|
40-49
|
55.5
|
5.2
|
52.8
|
113
|
8,080
|
49,072
|
3,570,146
|
203
|
15,293
|
50-59
|
54.8
|
2.3
|
49.8
|
569
|
40,128
|
88,838
|
6,989,760
|
1,039
|
80,622
|
60-69
|
56.6
|
1.8
|
51.4
|
1,042
|
53,087
|
60,161
|
3,510,793
|
1,842
|
103,244
|
70-79
|
60.7
|
1.8
|
61.1
|
1,157
|
39,250
|
26,587
|
920,258
|
1,907
|
64,278
|
80-89
|
70.0
|
2.4
|
77.4
|
880
|
21,670
|
8,940
|
199,390
|
1,257
|
27,991
|
90-99
|
71.7
|
6.0
|
72.7
|
145
|
1,897
|
809
|
10,724
|
202
|
2,610
|
100+
|
13.3
|
6.6
|
1.5
|
4
|
3
|
46
|
198
|
30
|
166
|
Total
|
60.5
|
1.0
|
55.9
|
3,985
|
167,240
|
318,756
|
18,805,696
|
6,591
|
298,969
|
GRAND TOTAL
|
60.7
|
0.9
|
54.9
|
4,541
|
211,211
|
459,849
|
37,752,161
|
7,485
|
384,662
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.4
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
43.0
|
12.4
|
24.6
|
12
|
3,931
|
40,356
|
25,252,351
|
28
|
15,948
|
2
|
46.7
|
11.3
|
49.6
|
17
|
10,315
|
38,061
|
23,743,604
|
36
|
20,793
|
3
|
46.2
|
9.8
|
32.2
|
22
|
8,540
|
40,507
|
24,817,860
|
48
|
26,530
|
4
|
37.7
|
8.4
|
29.3
|
20
|
7,866
|
38,222
|
21,526,874
|
53
|
26,888
|
5
|
48.1
|
9.1
|
45.4
|
28
|
13,750
|
36,995
|
20,329,038
|
58
|
30,298
|
6-10
|
38.7
|
3.1
|
35.5
|
151
|
61,550
|
152,479
|
73,944,838
|
391
|
173,220
|
11-15
|
51.3
|
5.0
|
41.5
|
105
|
26,593
|
53,559
|
17,588,055
|
205
|
64,078
|
Total
|
43.4
|
2.3
|
37.0
|
355
|
132,544
|
400,179
|
207,202,621
|
818
|
357,754
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
27
|
4,825
|
0
|
3
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
493
|
120,739
|
0
|
105
|
15-24
|
32.0
|
16.0
|
18.4
|
4
|
705
|
16,427
|
5,324,552
|
12
|
3,841
|
25-34
|
40.1
|
6.9
|
35.9
|
34
|
14,567
|
106,262
|
54,130,620
|
85
|
40,570
|
35-44
|
41.6
|
4.6
|
35.6
|
81
|
35,927
|
148,630
|
86,472,644
|
195
|
100,871
|
45-54
|
46.2
|
4.1
|
40.8
|
126
|
48,941
|
96,544
|
48,541,835
|
272
|
120,016
|
55-64
|
40.4
|
4.5
|
36.2
|
79
|
25,052
|
28,657
|
11,449,018
|
195
|
69,152
|
65-74
|
54.2
|
10.2
|
36.4
|
28
|
6,627
|
3,027
|
1,073,615
|
52
|
18,184
|
75-89
|
45.4
|
26.2
|
14.5
|
3
|
725
|
112
|
84,772
|
7
|
5,013
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
43.4
|
2.3
|
37.0
|
355
|
132,544
|
400,179
|
207,202,621
|
818
|
357,754
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
350
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
9
|
1,478
|
0
|
2
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
206
|
43,143
|
0
|
86
|
50-59
|
46.8
|
46.8
|
78.6
|
1
|
400
|
497
|
117,040
|
2
|
509
|
60-69
|
40.6
|
40.6
|
14.9
|
1
|
100
|
223
|
55,637
|
2
|
670
|
70-79
|
0.0
|
0.0
|
0.0
|
0
|
0
|
30
|
6,448
|
1
|
197
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
225
|
0
|
19
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
33.6
|
23.7
|
33.7
|
2
|
500
|
968
|
224,321
|
6
|
1,482
|
GRAND TOTAL
|
43.3
|
2.3
|
37.0
|
357
|
133,044
|
401,147
|
207,426,941
|
824
|
359,237
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.5
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.8
|
10.5
|
71.6
|
26
|
14,500
|
60,703
|
28,988,198
|
48
|
20,243
|
2
|
50.7
|
9.1
|
78.7
|
31
|
19,260
|
52,984
|
24,215,185
|
61
|
24,487
|
3
|
49.9
|
8.6
|
43.8
|
34
|
10,764
|
47,908
|
20,155,900
|
68
|
24,553
|
4
|
52.5
|
8.5
|
43.2
|
38
|
10,139
|
43,384
|
16,603,214
|
72
|
23,490
|
5
|
52.5
|
8.2
|
44.0
|
41
|
11,132
|
40,962
|
15,527,797
|
78
|
25,274
|
6-10
|
51.0
|
3.2
|
49.2
|
253
|
66,776
|
158,084
|
51,463,892
|
496
|
135,592
|
11-15
|
65.0
|
4.9
|
80.3
|
179
|
34,130
|
50,519
|
10,018,974
|
275
|
42,518
|
Total
|
54.8
|
2.2
|
56.3
|
602
|
166,701
|
454,545
|
166,973,161
|
1,099
|
296,157
|
Select Experience By Issue Age
|
0-4
|
3371.9
|
3371.9
|
2998.0
|
1
|
50
|
43
|
2,408
|
0
|
2
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,317
|
422,309
|
3
|
347
|
15-24
|
44.2
|
12.7
|
60.9
|
12
|
2,190
|
36,176
|
5,038,120
|
27
|
3,599
|
25-34
|
53.6
|
8.4
|
64.3
|
41
|
16,497
|
102,148
|
36,227,592
|
76
|
25,665
|
35-44
|
53.5
|
5.6
|
51.0
|
90
|
34,292
|
139,869
|
64,186,865
|
168
|
67,174
|
45-54
|
53.9
|
4.2
|
62.7
|
166
|
64,300
|
113,753
|
45,790,026
|
308
|
102,477
|
55-64
|
56.5
|
4.1
|
52.3
|
194
|
40,092
|
49,941
|
13,866,526
|
344
|
76,712
|
65-74
|
58.1
|
6.1
|
50.0
|
90
|
9,061
|
8,971
|
1,401,255
|
155
|
18,136
|
75-89
|
43.1
|
15.2
|
10.7
|
8
|
219
|
327
|
38,060
|
19
|
2,046
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
54.8
|
2.2
|
56.3
|
602
|
166,701
|
454,545
|
166,973,161
|
1,099
|
296,157
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
47
|
3,223
|
0
|
3
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
151
|
9,844
|
0
|
10
|
30-39
|
264.7
|
264.7
|
84.6
|
1
|
25
|
327
|
25,574
|
0
|
30
|
40-49
|
47.8
|
47.8
|
14.3
|
1
|
51
|
1,062
|
179,313
|
2
|
356
|
50-59
|
52.7
|
19.9
|
23.7
|
7
|
600
|
2,870
|
549,081
|
13
|
2,531
|
60-69
|
59.4
|
11.9
|
58.1
|
25
|
3,670
|
3,323
|
513,790
|
42
|
6,319
|
70-79
|
58.2
|
10.6
|
67.0
|
30
|
4,104
|
1,508
|
185,722
|
52
|
6,125
|
80-89
|
44.4
|
19.8
|
29.9
|
5
|
426
|
137
|
16,853
|
11
|
1,427
|
90-99
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
78
|
1
|
17
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
56.9
|
6.8
|
52.8
|
69
|
8,876
|
9,428
|
1,483,478
|
121
|
16,817
|
GRAND TOTAL
|
55.0
|
2.1
|
56.1
|
671
|
175,577
|
463,973
|
168,456,639
|
1,221
|
312,974
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.6
TOTAL EXPERIENCE -- MALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
78.9
|
16.8
|
34.7
|
22
|
1,973
|
31,012
|
7,566,125
|
28
|
5,684
|
2
|
69.4
|
12.5
|
25.9
|
31
|
2,447
|
34,950
|
8,687,595
|
45
|
9,457
|
3
|
76.1
|
11.5
|
64.4
|
44
|
8,432
|
35,653
|
9,889,493
|
58
|
13,097
|
4
|
71.8
|
10.3
|
43.7
|
49
|
7,733
|
35,783
|
11,185,004
|
68
|
17,688
|
5
|
55.8
|
8.5
|
43.2
|
43
|
8,376
|
34,488
|
11,165,080
|
77
|
19,387
|
6-10
|
63.1
|
3.3
|
47.8
|
374
|
55,262
|
176,359
|
43,406,234
|
592
|
115,713
|
11-15
|
55.9
|
1.9
|
41.4
|
886
|
98,923
|
238,698
|
44,304,884
|
1,586
|
239,210
|
Total
|
59.0
|
1.6
|
43.6
|
1,449
|
183,146
|
586,943
|
136,204,415
|
2,454
|
420,235
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
554
|
52,790
|
0
|
38
|
5-14
|
44.9
|
31.7
|
67.7
|
2
|
342
|
4,935
|
565,900
|
4
|
506
|
15-24
|
68.1
|
11.2
|
55.5
|
37
|
4,143
|
63,598
|
9,097,224
|
54
|
7,460
|
25-34
|
58.1
|
6.2
|
49.1
|
88
|
16,521
|
149,407
|
34,286,777
|
151
|
33,620
|
35-44
|
61.3
|
4.2
|
51.7
|
212
|
46,380
|
173,857
|
50,939,453
|
346
|
89,762
|
45-54
|
56.4
|
3.1
|
46.0
|
322
|
53,488
|
121,560
|
29,959,745
|
571
|
116,167
|
55-64
|
56.7
|
2.9
|
37.1
|
386
|
34,471
|
55,212
|
9,122,848
|
681
|
92,890
|
65-74
|
59.5
|
3.3
|
34.4
|
325
|
21,009
|
16,444
|
1,925,813
|
546
|
61,026
|
75-89
|
76.8
|
8.8
|
35.9
|
76
|
6,708
|
1,372
|
253,589
|
99
|
18,698
|
90+
|
115.9
|
115.9
|
124.1
|
1
|
85
|
4
|
275
|
1
|
68
|
Total
|
59.0
|
1.6
|
43.6
|
1,449
|
183,146
|
586,943
|
136,204,415
|
2,454
|
420,235
|
Ultimate Experience By Attained Age
|
15-19
|
62.8
|
31.4
|
66.5
|
4
|
313
|
7,673
|
566,300
|
6
|
470
|
20-29
|
65.5
|
15.0
|
53.8
|
19
|
930
|
29,150
|
1,739,407
|
29
|
1,727
|
30-39
|
74.9
|
10.9
|
61.0
|
47
|
2,738
|
54,268
|
3,878,098
|
63
|
4,490
|
40-49
|
58.5
|
4.1
|
50.8
|
202
|
20,802
|
180,491
|
20,861,151
|
345
|
40,919
|
50-59
|
48.8
|
1.9
|
40.1
|
687
|
77,942
|
318,654
|
44,100,057
|
1,406
|
194,462
|
60-69
|
49.5
|
1.3
|
42.8
|
1,347
|
139,773
|
225,437
|
27,652,415
|
2,724
|
326,671
|
70-79
|
50.4
|
1.1
|
44.2
|
1,954
|
142,926
|
104,817
|
9,018,382
|
3,880
|
323,704
|
80-89
|
63.5
|
1.2
|
53.2
|
2,649
|
154,648
|
43,214
|
3,049,700
|
4,174
|
290,679
|
90-99
|
79.3
|
3.2
|
81.1
|
599
|
39,214
|
3,733
|
236,510
|
755
|
48,323
|
100+
|
13.9
|
9.8
|
11.0
|
2
|
123
|
26
|
2,452
|
14
|
1,115
|
Total
|
56.1
|
0.6
|
47.0
|
7,510
|
579,407
|
967,462
|
111,104,472
|
13,397
|
1,232,561
|
GRAND TOTAL
|
56.5
|
0.6
|
46.1
|
8,959
|
762,553
|
1,554,405
|
247,308,886
|
15,851
|
1,652,796
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.7
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
53.7
|
53.7
|
25.7
|
1
|
150
|
2,369
|
894,471
|
2
|
584
|
2
|
36.3
|
36.3
|
11.5
|
1
|
100
|
2,273
|
885,613
|
3
|
870
|
3
|
28.5
|
28.5
|
22.4
|
1
|
250
|
2,467
|
912,656
|
4
|
1,114
|
4
|
50.7
|
35.8
|
71.7
|
2
|
900
|
2,390
|
837,450
|
4
|
1,255
|
5
|
45.7
|
32.3
|
51.8
|
2
|
700
|
2,288
|
799,594
|
4
|
1,350
|
6-10
|
49.3
|
13.7
|
35.6
|
13
|
2,563
|
8,746
|
2,542,173
|
26
|
7,197
|
11-15
|
32.4
|
14.5
|
45.8
|
5
|
1,150
|
3,700
|
614,488
|
15
|
2,510
|
Total
|
42.9
|
8.6
|
39.1
|
25
|
5,813
|
24,233
|
7,486,445
|
58
|
14,881
|
Select Experience By Issue Age
|
0-4
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2
|
600
|
0
|
0
|
15-24
|
123.8
|
123.8
|
151.0
|
1
|
250
|
1,773
|
423,915
|
1
|
166
|
25-34
|
42.0
|
24.2
|
31.4
|
3
|
650
|
8,373
|
2,864,314
|
7
|
2,069
|
35-44
|
35.4
|
14.5
|
54.7
|
6
|
2,670
|
7,862
|
2,640,275
|
17
|
4,881
|
45-54
|
32.0
|
12.1
|
21.6
|
7
|
1,050
|
5,169
|
1,313,107
|
22
|
4,857
|
55-64
|
64.1
|
28.6
|
37.9
|
5
|
668
|
924
|
209,608
|
8
|
1,764
|
65-74
|
31.8
|
31.8
|
11.5
|
1
|
75
|
122
|
27,220
|
3
|
650
|
75-89
|
413.5
|
292.4
|
90.8
|
2
|
450
|
8
|
7,407
|
0
|
495
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
42.9
|
8.6
|
39.1
|
25
|
5,813
|
24,233
|
7,486,445
|
58
|
14,881
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
30-39
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
40-49
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
50-59
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
60-69
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
70-79
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
80-89
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
GRAND TOTAL
|
42.9
|
8.6
|
39.1
|
25
|
5,813
|
24,233
|
7,486,445
|
58
|
14,881
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.8
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
40.7
|
23.5
|
25.6
|
3
|
325
|
8,071
|
1,767,660
|
7
|
1,270
|
2
|
52.0
|
23.2
|
24.3
|
5
|
395
|
7,257
|
1,537,658
|
10
|
1,623
|
3
|
89.0
|
28.2
|
88.7
|
10
|
1,587
|
6,865
|
1,276,716
|
11
|
1,790
|
4
|
67.5
|
23.9
|
45.6
|
8
|
761
|
6,466
|
1,150,782
|
12
|
1,670
|
5
|
110.7
|
29.6
|
68.9
|
14
|
1,210
|
6,369
|
1,065,606
|
13
|
1,756
|
6-10
|
67.0
|
9.0
|
60.2
|
55
|
5,667
|
28,266
|
3,909,596
|
82
|
9,410
|
11-15
|
91.3
|
11.8
|
80.7
|
60
|
3,072
|
16,081
|
1,086,754
|
66
|
3,806
|
Total
|
77.3
|
6.2
|
61.0
|
155
|
13,016
|
79,374
|
11,794,773
|
200
|
21,326
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
202
|
6,912
|
0
|
2
|
5-14
|
38.2
|
38.2
|
68.0
|
1
|
100
|
8,419
|
477,905
|
3
|
147
|
15-24
|
26.1
|
26.1
|
13.5
|
1
|
50
|
8,901
|
976,027
|
4
|
370
|
25-34
|
48.1
|
17.0
|
78.8
|
8
|
2,190
|
21,194
|
4,121,408
|
17
|
2,780
|
35-44
|
62.8
|
11.9
|
51.3
|
28
|
3,422
|
19,911
|
3,671,957
|
45
|
6,669
|
45-54
|
74.5
|
10.4
|
50.2
|
51
|
3,763
|
15,253
|
2,096,466
|
68
|
7,495
|
55-64
|
100.5
|
14.8
|
98.5
|
46
|
2,903
|
4,702
|
399,080
|
46
|
2,947
|
65-74
|
104.1
|
24.5
|
73.3
|
18
|
569
|
764
|
39,740
|
17
|
777
|
75-89
|
162.5
|
114.9
|
14.3
|
2
|
20
|
27
|
5,278
|
1
|
140
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
77.3
|
6.2
|
61.0
|
155
|
13,016
|
79,374
|
11,794,773
|
200
|
21,326
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
23
|
1,921
|
0
|
1
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
221
|
14,182
|
0
|
5
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
50
|
3,678
|
0
|
3
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
191
|
17,900
|
1
|
53
|
50-59
|
137.5
|
68.7
|
51.9
|
4
|
134
|
437
|
39,347
|
3
|
258
|
60-69
|
45.6
|
32.3
|
34.9
|
2
|
75
|
291
|
14,744
|
4
|
215
|
70-79
|
234.7
|
95.8
|
145.5
|
6
|
141
|
79
|
2,900
|
3
|
97
|
80-89
|
232.7
|
232.7
|
110.1
|
1
|
8
|
5
|
100
|
0
|
7
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
118.2
|
32.8
|
55.9
|
13
|
358
|
1,298
|
94,772
|
11
|
640
|
GRAND TOTAL
|
79.4
|
6.1
|
60.9
|
168
|
13,374
|
80,672
|
11,889,545
|
212
|
21,966
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.9
TOTAL EXPERIENCE -- FEMALE SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
72.6
|
36.3
|
54.2
|
4
|
276
|
4,612
|
586,920
|
6
|
509
|
2
|
110.0
|
34.8
|
69.1
|
10
|
637
|
5,352
|
670,585
|
9
|
921
|
3
|
93.9
|
28.3
|
84.2
|
11
|
1,000
|
5,712
|
746,473
|
12
|
1,187
|
4
|
113.9
|
28.5
|
126.6
|
16
|
1,585
|
6,178
|
768,631
|
14
|
1,252
|
5
|
48.7
|
17.2
|
42.6
|
8
|
678
|
6,175
|
854,206
|
16
|
1,593
|
6-10
|
86.4
|
8.5
|
67.9
|
104
|
7,552
|
33,681
|
4,029,947
|
120
|
11,125
|
11-15
|
87.1
|
5.1
|
75.3
|
293
|
15,506
|
59,048
|
4,373,846
|
336
|
20,579
|
Total
|
86.9
|
4.1
|
73.3
|
446
|
27,234
|
120,760
|
12,030,608
|
513
|
37,167
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
2,426
|
127,676
|
1
|
39
|
5-14
|
132.8
|
59.4
|
97.2
|
5
|
250
|
11,396
|
795,896
|
4
|
257
|
15-24
|
59.5
|
24.3
|
64.9
|
6
|
563
|
18,000
|
1,707,757
|
10
|
867
|
25-34
|
49.4
|
11.6
|
49.7
|
18
|
2,102
|
26,066
|
3,446,464
|
36
|
4,229
|
35-44
|
92.6
|
9.5
|
89.4
|
95
|
9,008
|
29,389
|
3,397,267
|
103
|
10,071
|
45-54
|
80.1
|
7.1
|
66.3
|
128
|
7,203
|
22,937
|
1,932,109
|
160
|
10,867
|
55-64
|
98.4
|
8.8
|
76.8
|
125
|
4,930
|
8,488
|
507,386
|
127
|
6,418
|
65-74
|
91.8
|
12.0
|
74.3
|
58
|
2,645
|
1,922
|
105,913
|
63
|
3,559
|
75-89
|
114.3
|
34.5
|
62.1
|
11
|
534
|
135
|
10,139
|
10
|
860
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
86.9
|
4.1
|
73.3
|
446
|
27,234
|
120,760
|
12,030,608
|
513
|
37,167
|
Ultimate Experience By Attained Age
|
15-19
|
29.3
|
29.3
|
15.3
|
1
|
25
|
10,622
|
507,987
|
3
|
163
|
20-29
|
87.0
|
26.2
|
85.4
|
11
|
445
|
32,016
|
1,326,807
|
13
|
521
|
30-39
|
53.7
|
12.3
|
64.1
|
19
|
997
|
36,288
|
1,555,716
|
35
|
1,554
|
40-49
|
65.4
|
6.3
|
58.1
|
106
|
6,006
|
53,753
|
3,397,009
|
162
|
10,340
|
50-59
|
73.8
|
3.7
|
70.5
|
408
|
21,241
|
83,884
|
4,673,443
|
553
|
30,115
|
60-69
|
84.1
|
3.2
|
88.5
|
674
|
24,022
|
52,230
|
1,842,964
|
801
|
27,136
|
70-79
|
101.4
|
3.4
|
85.2
|
886
|
15,376
|
23,953
|
501,768
|
873
|
18,051
|
80-89
|
97.1
|
3.6
|
80.5
|
734
|
10,712
|
9,204
|
166,533
|
756
|
13,302
|
90-99
|
93.5
|
6.9
|
131.7
|
186
|
2,842
|
1,113
|
12,230
|
199
|
2,158
|
100+
|
17.3
|
7.7
|
2.2
|
5
|
2
|
51
|
151
|
29
|
95
|
Total
|
88.5
|
1.6
|
79.0
|
3,030
|
81,667
|
303,115
|
13,984,607
|
3,425
|
103,435
|
GRAND TOTAL
|
88.3
|
1.5
|
77.5
|
3,476
|
108,902
|
423,874
|
26,015,215
|
3,938
|
140,602
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.10
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, PREFERRED CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
0.0
|
0.0
|
1.5
|
0
|
100
|
39,037
|
19,486,179
|
15
|
6,574
|
2
|
33.1
|
12.5
|
16.2
|
7
|
1,577
|
36,590
|
17,965,059
|
21
|
9,764
|
3
|
53.1
|
14.2
|
64.4
|
14
|
7,475
|
38,662
|
18,282,927
|
26
|
11,615
|
4
|
44.3
|
12.3
|
24.8
|
13
|
2,745
|
37,096
|
16,034,209
|
29
|
11,055
|
5
|
29.0
|
9.7
|
22.0
|
9
|
2,694
|
35,290
|
15,039,125
|
31
|
12,223
|
6-10
|
47.1
|
4.9
|
39.7
|
91
|
25,489
|
135,017
|
48,602,713
|
193
|
64,166
|
11-15
|
66.4
|
7.6
|
65.4
|
76
|
16,917
|
49,167
|
11,321,854
|
115
|
25,877
|
Total
|
48.7
|
3.4
|
40.3
|
210
|
56,998
|
370,858
|
146,732,067
|
431
|
141,275
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
43
|
6,920
|
0
|
2
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
487
|
111,713
|
0
|
36
|
15-24
|
53.0
|
30.6
|
82.0
|
3
|
1,250
|
19,872
|
5,903,219
|
6
|
1,524
|
25-34
|
34.0
|
7.8
|
27.7
|
19
|
5,800
|
126,490
|
52,853,632
|
56
|
20,946
|
35-44
|
68.0
|
7.6
|
53.1
|
79
|
23,520
|
134,434
|
58,595,819
|
116
|
44,274
|
45-54
|
40.9
|
5.7
|
35.0
|
52
|
13,027
|
70,662
|
24,037,124
|
127
|
37,182
|
55-64
|
48.1
|
8.3
|
24.2
|
34
|
4,051
|
16,132
|
4,268,338
|
71
|
16,772
|
65-74
|
33.4
|
9.6
|
32.9
|
12
|
3,920
|
2,350
|
762,885
|
36
|
11,898
|
75-89
|
56.2
|
16.9
|
62.8
|
11
|
5,430
|
387
|
192,417
|
20
|
8,641
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
48.7
|
3.4
|
40.3
|
210
|
56,998
|
370,858
|
146,732,067
|
431
|
141,275
|
Ultimate Experience By Attained Age
|
15-19
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4
|
600
|
0
|
0
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
21
|
3,457
|
0
|
2
|
40-49
|
405.3
|
405.3
|
248.8
|
1
|
100
|
185
|
29,929
|
0
|
40
|
50-59
|
97.2
|
97.2
|
62.9
|
1
|
100
|
383
|
59,751
|
1
|
159
|
60-69
|
0.0
|
0.0
|
0.0
|
0
|
0
|
128
|
22,383
|
1
|
149
|
70-79
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3
|
700
|
0
|
13
|
80-89
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
250
|
0
|
14
|
90-99
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
89.0
|
62.9
|
52.9
|
2
|
200
|
726
|
117,070
|
2
|
378
|
GRAND TOTAL
|
48.9
|
3.4
|
40.4
|
212
|
57,198
|
371,584
|
146,849,136
|
433
|
141,652
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.11
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH PREFERRED UNDERWRITING, STANDARD CLASS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
51.5
|
12.9
|
63.3
|
16
|
4,632
|
59,785
|
17,917,929
|
31
|
7,314
|
2
|
46.5
|
11.0
|
39.6
|
18
|
3,350
|
51,234
|
14,687,562
|
39
|
8,468
|
3
|
73.1
|
12.9
|
62.6
|
32
|
5,450
|
47,154
|
12,376,026
|
44
|
8,704
|
4
|
59.6
|
11.3
|
63.9
|
28
|
5,665
|
43,858
|
10,918,175
|
47
|
8,864
|
5
|
75.3
|
12.4
|
73.5
|
37
|
6,598
|
41,080
|
9,684,350
|
49
|
8,979
|
6-10
|
70.5
|
4.7
|
78.7
|
223
|
35,518
|
154,173
|
31,328,631
|
316
|
45,127
|
11-15
|
66.9
|
5.8
|
81.5
|
133
|
12,347
|
50,390
|
6,012,490
|
199
|
15,150
|
Total
|
67.2
|
3.0
|
71.7
|
487
|
73,559
|
447,674
|
102,925,162
|
725
|
102,607
|
Select Experience By Issue Age
|
0-4
|
0.0
|
0.0
|
0.0
|
0
|
0
|
34
|
1,718
|
0
|
1
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
3,122
|
390,416
|
1
|
120
|
15-24
|
70.4
|
24.9
|
77.8
|
8
|
1,076
|
41,641
|
5,495,268
|
11
|
1,383
|
25-34
|
68.0
|
11.7
|
62.6
|
34
|
7,430
|
127,158
|
32,785,758
|
50
|
11,864
|
35-44
|
60.5
|
7.6
|
47.1
|
64
|
12,290
|
129,886
|
37,166,116
|
106
|
26,089
|
45-54
|
69.8
|
6.5
|
80.5
|
117
|
24,213
|
93,649
|
20,425,459
|
168
|
30,077
|
55-64
|
59.7
|
5.6
|
44.2
|
115
|
9,167
|
40,908
|
5,787,577
|
193
|
20,743
|
65-74
|
76.0
|
7.1
|
187.9
|
116
|
17,630
|
10,344
|
804,060
|
153
|
9,384
|
75-89
|
74.7
|
13.0
|
59.5
|
33
|
1,754
|
933
|
68,790
|
44
|
2,947
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
67.2
|
3.0
|
71.7
|
487
|
73,559
|
447,674
|
102,925,162
|
725
|
102,607
|
Ultimate Experience By Attained Age
|
15-19
|
0.0
|
0.0
|
0.0
|
0
|
0
|
47
|
3,471
|
0
|
1
|
20-29
|
0.0
|
0.0
|
0.0
|
0
|
0
|
122
|
9,190
|
0
|
4
|
30-39
|
0.0
|
0.0
|
0.0
|
0
|
0
|
263
|
20,821
|
0
|
13
|
40-49
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1,084
|
130,076
|
1
|
173
|
50-59
|
107.1
|
40.5
|
108.5
|
7
|
780
|
2,333
|
261,798
|
7
|
719
|
60-69
|
34.0
|
15.2
|
56.6
|
5
|
670
|
1,996
|
168,443
|
15
|
1,183
|
70-79
|
67.3
|
21.3
|
39.0
|
10
|
361
|
693
|
42,742
|
15
|
926
|
80-89
|
112.4
|
42.5
|
246.4
|
7
|
950
|
100
|
5,923
|
6
|
386
|
90-99
|
75.2
|
75.2
|
59.7
|
1
|
38
|
8
|
405
|
1
|
63
|
100+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
66.2
|
12.1
|
80.7
|
30
|
2,798
|
6,645
|
642,870
|
45
|
3,466
|
GRAND TOTAL
|
67.1
|
3.0
|
72.0
|
517
|
76,357
|
454,319
|
103,568,031
|
770
|
106,073
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015
TABLE 10.12
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS WITH STANDARD UNDERWRITING, CLASS N/A
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013 |
EXPECTED CIA 86-92 TABLES |
|
RATIO A/E |
ACTUAL DEATHS |
EXPOSURES |
EXPECTED DEATHS |
|
NUMBER % |
  S.D.   |
AMOUNT % |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
NUMBER |
$ (,000) |
Select Experience By Policy Year
|
1
|
30.8
|
11.6
|
15.6
|
7
|
600
|
36,851
|
7,053,094
|
23
|
3,856
|
2
|
63.0
|
13.1
|
64.6
|
23
|
3,634
|
41,442
|
7,496,182
|
36
|
5,629
|
3
|
61.6
|
11.4
|
86.7
|
29
|
7,283
|
41,957
|
8,451,767
|
47
|
8,400
|
4
|
41.5
|
8.9
|
34.5
|
22
|
2,796
|
40,514
|
8,364,930
|
53
|
8,104
|
5
|
40.9
|
8.3
|
42.4
|
24
|
3,892
|
38,391
|
8,005,110
|
59
|
9,185
|
6-10
|
56.3
|
3.4
|
60.4
|
280
|
41,464
|
193,696
|
34,203,355
|
498
|
68,608
|
11-15
|
54.9
|
2.0
|
52.4
|
774
|
77,135
|
260,240
|
32,840,929
|
1,410
|
147,197
|
Total
|
54.5
|
1.6
|
54.5
|
1,159
|
136,804
|
653,091
|
106,415,367
|
2,125
|
250,980
|
Select Experience By Issue Age
|
0-4
|
572.5
|
572.5
|
498.5
|
1
|
98
|
572
|
64,784
|
0
|
20
|
5-14
|
0.0
|
0.0
|
0.0
|
0
|
0
|
4,984
|
577,543
|
2
|
192
|
15-24
|
59.8
|
15.4
|
74.8
|
15
|
2,277
|
70,687
|
9,317,400
|
25
|
3,044
|
25-34
|
68.8
|
8.0
|
73.1
|
74
|
13,676
|
179,811
|
33,417,602
|
108
|
18,709
|
35-44
|
64.6
|
5.3
|
63.2
|
149
|
25,256
|
181,303
|
35,783,718
|
231
|
39,961
|
45-54
|
52.3
|
3.7
|
44.7
|
200
|
19,786
|
126,312
|
18,194,853
|
383
|
44,304
|
55-64
|
50.9
|
3.1
|
41.5
|
275
|
18,378
|
63,552
|
6,167,215
|
540
|
44,321
|
65-74
|
47.9
|
2.8
|
43.2
|
293
|
27,811
|
22,672
|
2,342,064
|
612
|
64,334
|
75-89
|
67.6
|
5.5
|
81.8
|
152
|
29,523
|
3,196
|
550,113
|
225
|
36,083
|
90+
|
0.0
|
0.0
|
0.0
|
0
|
0
|
1
|
75
|
0
|
12
|
Total
|
54.5
|
1.6
|
54.5
|
1,159
|
136,804
|
653,091
|
106,415,367
|
2,125
|
250,980
|
Ultimate Experience By Attained Age
|
15-19
|
81.1
|
57.4
|
37.2
|
2
|
67
|
7,506
|
554,290
|
2
|
181
|
20-29
|
70.0
|
24.7
|
77.5
|
8
|
521
|
29,099
|
1,727,905
|
11
|
673
|
30-39
|
62.4
|
13.6
|
86.0
|
21
|
2,001
|
54,954
|
3,774,221
|
34
|
2,328
|
40-49
|
62.5
|
5.1
|
52.8
|
150
|
12,079
|
187,080
|
17,647,839
|
240
|
22,870
|
50-59
|
56.6
|
2.8
|
53.8
|
422
|
36,873
|
275,095
|
25,586,948
|
746
|
68,493
|
60-69
|
55.8
|
2.0
|
59.9
|
755
|
51,172
|
182,731
|
12,126,606
|
1,352
|
85,387
|
70-79
|
51.1
|
1.5
|
44.9
|
1,104
|
40,299
|
92,317
|
3,885,203
|
2,162
|
89,843
|
80-89
|
68.1
|
1.4
|
58.4
|
2,236
|
76,385
|
48,056
|
1,883,849
|
3,285
|
130,790
|
90-99
|
82.2
|
2.9
|
78.5
|
821
|
33,137
|
6,191
|
262,512
|
999
|
42,238
|
100+
|
48.1
|
17.0
|
90.4
|
8
|
1,153
|
33
|
3,189
|
17
|
1,275
|
Total
|
62.5
|
0.8
|
57.1
|
5,527
|
253,688
|
883,063
|
67,452,562
|
8,848
|
444,078
|
GRAND TOTAL
|
60.9
|
0.7
|
56.2
|
6,686
|
390,492
|
1,536,154
|
173,867,929
|
10,973
|
695,058
|
Thomson Data Analysis Tue Jun 16 14:25:17 2015