CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 66.5 6.0 53.6 122 32,067 394,843 142,582,245 183 59,807
2 69.3 4.9 64.4 200 54,944 375,865 130,584,121 288 85,304
3 75.8 4.7 61.1 260 61,220 365,260 125,661,591 343 100,237
4 69.8 4.4 52.9 255 52,387 338,157 109,282,815 366 99,116
5 74.3 4.4 64.8 290 68,579 320,759 102,540,612 390 105,805
6-10 74.6 1.7 67.1 1,900 374,865 1,348,319 351,258,899 2,547 558,388
11-15 82.2 1.5 72.4 3,015 324,626 1,025,001 149,025,373 3,666 448,298
Total 77.6 1.0 66.5 6,042 968,690 4,168,202 1,110,935,655 7,784 1,456,954
Select Experience By Issue Age
0-4 60.3 12.1 50.6 25 1,482 291,259 21,378,684 41 2,930
5-14 85.3 12.6 75.4 46 3,699 199,689 19,669,253 54 4,910
15-24 96.3 8.1 106.6 140 22,352 350,259 53,903,387 145 20,959
25-34 76.9 3.8 71.1 411 103,731 1,016,119 307,345,052 535 145,827
35-44 83.3 2.6 70.5 1,004 240,145 1,149,438 408,937,557 1,205 340,869
45-54 73.7 1.9 67.2 1,505 288,063 782,834 229,502,093 2,043 428,618
55-64 71.5 1.8 54.0 1,510 166,369 300,258 59,829,057 2,112 308,260
65-74 83.8 2.6 67.3 1,071 96,200 71,472 9,144,563 1,278 142,956
75-89 88.8 4.9 75.7 329 46,562 6,869 1,225,649 370 61,540
90+ 95.6 95.6 101.9 1 87 5 360 1 85
Total 77.6 1.0 66.5 6,042 968,690 4,168,202 1,110,935,655 7,784 1,456,954
Ultimate Experience By Attained Age
15-19 86.6 16.1 85.2 29 1,440 109,107 5,590,602 33 1,690
20-29 95.4 7.3 89.0 172 7,127 353,861 15,946,996 180 8,004
30-39 112.1 6.4 104.3 305 11,943 399,288 17,027,979 272 11,448
40-49 101.4 3.4 83.8 906 56,351 690,632 52,810,066 893 67,248
50-59 93.4 1.5 78.2 3,715 226,742 1,188,072 96,718,046 3,978 289,914
60-69 76.8 0.9 68.4 8,046 354,803 1,005,957 56,958,804 10,479 518,617
70-79 87.1 0.7 73.4 13,845 357,778 596,833 19,627,020 15,893 487,602
80-89 100.5 0.7 88.4 23,068 443,724 341,312 7,770,277 22,946 502,210
90-99 79.0 0.8 82.1 9,145 134,652 60,224 878,169 11,576 164,091
100+ 21.9 1.2 54.4 338 3,499 3,841 16,764 1,544 6,436
Total 87.9 0.4 77.7 59,569 1,598,058 4,749,127 273,344,722 67,795 2,057,260
GRAND TOTAL 86.8 0.3 73.0 65,611 2,566,749 8,917,330 1,384,280,378 75,580 3,514,214

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 2.1     TOTAL EXPERIENCE -- MALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 72.2 7.6 56.8 89 25,879 201,566 83,899,733 123 45,537
2 74.3 6.5 74.0 131 44,666 191,423 76,850,513 176 60,339
3 73.6 6.0 51.1 152 35,681 185,605 74,113,933 206 69,825
4 71.0 5.7 50.3 155 35,173 171,186 64,367,869 218 69,903
5 73.7 5.6 64.2 172 47,956 163,147 60,950,410 233 74,669
6-10 74.0 2.2 65.2 1,102 251,421 689,819 210,807,930 1,489 385,512
11-15 82.0 2.0 69.1 1,625 195,553 507,102 86,904,666 1,983 282,798
Total 77.3 1.3 64.4 3,426 636,328 2,109,848 657,895,054 4,429 988,583
Select Experience By Issue Age
0-4 73.3 17.3 55.3 18 922 147,306 10,493,159 25 1,669
5-14 85.1 15.0 89.4 32 2,991 101,860 9,804,270 38 3,345
15-24 100.4 9.9 109.3 103 16,627 168,087 26,653,535 103 15,219
25-34 72.2 4.7 67.5 240 67,114 478,781 161,423,384 332 99,417
35-44 78.4 3.3 67.1 565 159,577 597,811 249,988,207 720 237,791
45-54 77.3 2.5 70.1 926 214,793 422,250 153,116,544 1,199 306,340
55-64 71.8 2.4 55.4 891 123,636 159,608 41,097,308 1,242 223,175
65-74 83.6 3.6 53.0 547 42,210 32,141 4,935,462 654 79,679
75-89 88.3 8.7 38.3 103 8,372 1,999 382,903 117 21,873
90+ 111.6 111.6 117.4 1 86 4 282 1 74
Total 77.3 1.3 64.4 3,426 636,328 2,109,848 657,895,054 4,429 988,583
Ultimate Experience By Attained Age
15-19 84.5 18.9 82.7 20 964 55,443 2,725,441 24 1,165
20-29 97.0 8.6 88.6 126 5,063 180,699 7,995,802 130 5,713
30-39 115.8 8.0 92.8 212 7,135 206,563 8,820,196 183 7,691
40-49 102.0 4.4 84.0 535 35,159 350,078 28,548,005 525 41,877
50-59 97.4 2.0 78.5 2,308 154,658 644,687 60,687,032 2,369 197,046
60-69 79.0 1.1 66.3 5,357 260,491 586,605 39,631,443 6,778 393,081
70-79 83.0 0.9 72.0 9,326 280,907 359,158 14,051,983 11,239 390,127
80-89 96.6 0.8 86.2 14,747 320,865 195,602 5,151,232 15,271 372,242
90-99 74.6 1.0 79.6 5,060 84,510 30,216 496,373 6,783 106,108
100+ 15.9 1.3 28.7 152 1,153 2,200 9,403 957 4,016
Total 85.5 0.4 75.8 37,843 1,150,905 2,611,251 168,116,908 44,258 1,519,066
GRAND TOTAL 84.8 0.4 71.3 41,269 1,787,233 4,721,098 826,011,962 48,687 2,507,649

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 2.2     TOTAL EXPERIENCE -- FEMALES
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 55.0 9.6 43.4 33 6,188 193,277 58,682,512 60 14,270
2 61.5 7.4 41.2 69 10,279 184,442 53,733,608 112 24,965
3 79.1 7.6 84.0 108 25,540 179,655 51,547,658 137 30,412
4 67.9 6.8 58.9 100 17,215 166,971 44,914,946 147 29,213
5 75.2 6.9 66.2 118 20,624 157,612 41,590,203 157 31,136
6-10 75.4 2.7 71.4 798 123,444 658,500 140,450,968 1,059 172,876
11-15 82.6 2.2 78.0 1,390 129,073 517,898 62,120,707 1,683 165,500
Total 78.0 1.5 71.0 2,616 332,362 2,058,355 453,040,602 3,355 468,371
Select Experience By Issue Age
0-4 41.4 15.7 44.4 7 560 143,953 10,885,525 17 1,261
5-14 85.7 22.9 45.3 14 708 97,829 9,864,983 16 1,564
15-24 86.4 14.2 99.7 37 5,725 182,171 27,249,851 43 5,740
25-34 84.5 6.5 78.9 171 36,618 537,338 145,921,669 202 46,410
35-44 90.6 4.3 78.2 439 80,568 551,627 158,949,350 485 103,077
45-54 68.6 2.8 59.9 579 73,270 360,584 76,385,549 845 122,278
55-64 71.1 2.9 50.2 619 42,733 140,650 18,731,749 870 85,085
65-74 84.1 3.7 85.3 524 53,990 39,331 4,209,101 623 63,277
75-89 89.1 5.9 96.3 226 38,190 4,870 842,745 254 39,667
90+ 0.0 0.0 4.4 0 1 1 78 0 12
Total 78.0 1.5 71.0 2,616 332,362 2,058,355 453,040,602 3,355 468,371
Ultimate Experience By Attained Age
15-19 91.6 30.5 90.8 9 476 53,664 2,865,161 10 525
20-29 91.3 13.5 90.1 46 2,064 173,162 7,951,193 50 2,291
30-39 104.4 10.8 128.0 93 4,807 192,725 8,207,784 89 3,757
40-49 100.6 5.2 83.5 371 21,191 340,554 24,262,062 369 25,371
50-59 87.5 2.3 77.6 1,407 72,084 543,385 36,031,014 1,609 92,869
60-69 72.7 1.4 75.1 2,689 94,313 419,352 17,327,361 3,701 125,536
70-79 97.1 1.4 78.9 4,519 76,871 237,675 5,575,037 4,654 97,474
80-89 108.4 1.2 94.5 8,321 122,859 145,710 2,619,045 7,675 129,968
90-99 85.2 1.3 86.5 4,085 50,142 30,008 381,796 4,794 57,983
100+ 31.7 2.3 97.0 186 2,347 1,641 7,361 588 2,420
Total 92.3 0.6 83.1 21,726 447,154 2,137,877 105,227,814 23,538 538,194
GRAND TOTAL 90.5 0.6 77.4 24,342 779,516 4,196,231 558,268,416 26,893 1,006,565

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 70.3 17.1 37.3 17 2,170 23,774 7,337,173 24 5,809
2 81.2 13.3 82.4 37 7,928 22,267 6,370,714 46 9,618
3 67.3 11.5 36.1 34 3,808 21,262 5,976,766 51 10,548
4 61.8 10.8 54.0 33 5,542 20,577 5,288,798 53 10,272
5 72.3 11.3 82.0 41 9,441 20,125 5,278,729 57 11,516
6-10 69.9 4.4 63.7 251 39,068 91,647 19,310,699 359 61,374
11-15 81.6 4.0 76.8 412 33,268 85,416 9,001,459 505 43,301
Total 75.4 2.6 66.4 825 101,225 285,067 58,564,338 1,095 152,438
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,741 134,941 1 52
5-14 117.8 32.7 187.3 13 1,242 21,228 1,328,195 11 663
15-24 133.2 22.2 126.6 36 4,097 31,556 3,967,353 27 3,235
25-34 65.3 8.6 59.6 57 11,599 77,497 19,171,679 87 19,471
35-44 69.3 5.7 59.9 148 27,168 81,679 21,845,648 213 45,361
45-54 74.9 4.5 65.0 277 35,356 52,894 10,269,864 370 54,407
55-64 72.2 5.1 69.2 201 16,771 14,903 1,716,854 278 24,246
65-74 84.1 9.2 95.0 83 4,511 2,459 126,278 99 4,747
75-89 124.6 39.4 188.3 10 481 110 3,526 8 256
90+ 0 0 0 0 0 0
Total 75.4 2.6 66.4 825 101,225 285,067 58,564,338 1,095 152,438
Ultimate Experience By Attained Age
15-19 127.6 52.1 178.4 6 389 10,855 504,646 5 218
20-29 107.0 20.6 104.8 27 1,084 34,803 1,437,222 25 1,034
30-39 97.9 14.9 89.0 43 1,701 38,987 1,684,235 44 1,911
40-49 94.5 8.9 90.3 114 8,180 49,310 3,596,804 121 9,062
50-59 91.9 3.8 84.1 571 40,630 89,432 7,066,737 621 48,338
60-69 81.1 2.5 74.1 1,050 53,753 60,698 3,560,449 1,294 72,513
70-79 87.2 2.6 89.3 1,166 40,545 26,732 929,160 1,338 45,409
80-89 106.1 3.6 117.2 880 21,670 8,945 199,605 830 18,495
90-99 81.5 6.8 83.8 145 1,897 809 10,724 178 2,264
100+ 19.9 9.9 2.9 4 3 46 198 20 87
Total 89.5 1.4 85.2 4,006 169,852 320,615 18,989,781 4,476 199,332
GRAND TOTAL 86.7 1.2 77.1 4,831 271,077 605,682 77,554,119 5,570 351,770

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.2     TOTAL EXPERIENCE -- MALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 74.9 9.7 64.4 60 20,404 132,071 61,806,674 80 31,678
2 72.4 8.2 77.6 79 32,022 125,996 56,646,384 109 41,252
3 76.5 7.7 58.5 100 27,736 124,069 54,863,252 131 47,433
4 74.7 7.2 52.0 107 25,738 117,389 49,315,093 143 49,491
5 72.1 6.8 62.1 112 33,258 112,445 47,021,916 155 53,519
6-10 75.0 2.7 62.6 778 183,588 486,922 168,814,965 1,038 293,290
11-15 83.4 2.4 68.7 1,170 159,646 342,776 71,911,913 1,403 232,415
Total 78.7 1.6 64.4 2,406 482,391 1,441,667 510,380,196 3,059 749,079
Select Experience By Issue Age
0-4 415.2 415.2 217.5 1 50 624 60,023 0 23
5-14 41.4 29.3 57.0 2 342 8,745 1,108,948 5 601
15-24 82.4 11.3 68.3 53 7,038 116,201 19,459,896 64 10,303
25-34 73.7 5.8 66.9 163 47,585 357,816 124,644,989 221 71,169
35-44 82.7 4.2 67.2 383 116,599 462,356 201,598,962 463 173,569
45-54 80.9 3.3 75.0 614 166,729 331,858 124,291,606 759 222,428
55-64 72.8 2.8 55.7 659 99,615 133,810 34,438,393 906 178,783
65-74 82.9 3.9 51.9 443 36,697 28,442 4,400,683 534 70,661
75-89 83.0 8.9 35.6 87 7,651 1,810 376,421 105 21,470
90+ 111.6 111.6 117.6 1 85 4 275 1 72
Total 78.7 1.6 64.4 2,406 482,391 1,441,667 510,380,196 3,059 749,079
Ultimate Experience By Attained Age
15-19 116.4 58.2 123.5 4 313 7,720 569,523 3 253
20-29 89.9 20.6 74.4 19 930 29,302 1,749,601 21 1,250
30-39 114.0 16.5 91.7 48 2,763 54,603 3,905,150 42 3,014
40-49 89.7 6.3 77.7 203 20,853 181,759 21,083,607 226 26,831
50-59 84.4 3.2 69.0 695 78,942 322,022 44,766,178 823 114,359
60-69 71.6 1.9 62.3 1,373 143,542 228,983 28,221,841 1,917 230,340
70-79 75.4 1.7 66.2 1,984 147,029 106,355 9,210,551 2,632 222,074
80-89 89.2 1.7 75.3 2,654 155,074 43,353 3,066,779 2,976 205,950
90-99 77.6 3.2 79.2 599 39,214 3,735 236,588 772 49,498
100+ 17.9 12.6 12.0 2 123 26 2,452 11 1,017
Total 80.4 0.9 68.9 7,581 588,783 977,858 112,812,270 9,426 854,586
GRAND TOTAL 80.0 0.8 66.8 9,987 1,071,173 2,419,524 623,192,466 12,484 1,603,665

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.3     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 62.8 18.1 41.1 12 3,306 45,721 14,755,886 19 8,050
2 69.2 17.9 49.8 15 4,716 43,161 13,833,415 22 9,469
3 71.1 16.8 34.9 18 4,137 40,274 13,273,914 25 11,845
4 69.1 17.8 38.4 15 3,893 33,220 9,763,977 22 10,139
5 88.3 20.3 54.6 19 5,257 30,577 8,649,765 22 9,633
6-10 79.4 9.3 93.3 73 28,766 111,250 22,682,267 92 30,847
11-15 57.5 8.8 37.3 43 2,639 78,911 5,991,295 75 7,082
Total 70.6 5.1 60.5 195 52,713 383,114 88,950,519 276 87,066
Select Experience By Issue Age
0-4 73.0 17.7 54.7 17 872 143,941 10,298,195 23 1,594
5-14 78.2 19.0 67.6 17 1,406 71,887 7,367,126 22 2,081
15-24 124.7 33.3 326.8 14 5,492 20,330 3,226,287 11 1,681
25-34 83.9 18.8 90.3 20 7,930 43,468 17,606,717 24 8,777
35-44 77.5 13.3 83.8 34 15,810 53,776 26,543,596 44 18,862
45-54 50.4 8.5 43.1 35 12,709 37,498 18,555,074 69 29,505
55-64 54.1 9.7 36.0 31 7,250 10,895 4,942,061 57 20,146
65-74 97.3 21.2 23.5 21 1,003 1,240 408,501 22 4,271
75-89 160.2 65.4 161.9 6 239 78 2,956 4 148
90+ 105.1 0 1 0 7 0 1
Total 70.6 5.1 60.5 195 52,713 383,114 88,950,519 276 87,066
Ultimate Experience By Attained Age
15-19 64.4 20.4 37.8 10 262 36,868 1,651,271 16 694
20-29 95.7 10.7 88.9 80 3,049 116,594 4,808,979 84 3,429
30-39 124.7 11.3 96.6 121 2,671 112,973 3,230,810 97 2,766
40-49 122.8 8.3 102.4 218 6,126 119,010 3,867,594 178 5,984
50-59 112.7 3.5 102.1 1,042 35,086 233,233 8,854,117 925 34,349
60-69 82.3 1.5 70.0 2,934 63,195 296,925 7,849,153 3,566 90,228
70-79 85.0 1.1 76.1 6,176 93,333 226,071 3,912,271 7,269 122,644
80-89 97.8 0.9 97.5 11,213 144,120 143,304 1,884,848 11,465 147,798
90-99 74.0 1.1 79.9 4,316 43,398 25,673 249,061 5,832 54,346
100+ 15.8 1.3 35.3 146 1,028 2,128 6,753 925 2,912
Total 86.5 0.5 84.3 26,256 392,270 1,312,778 36,314,857 30,356 465,148
GRAND TOTAL 86.4 0.5 80.6 26,451 444,983 1,695,892 125,265,376 30,632 552,215

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.4     TOTAL EXPERIENCE -- FEMALE SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 86.5 30.6 54.7 8 751 15,051 3,249,051 9 1,374
2 65.3 16.3 31.4 16 1,132 14,882 3,093,857 25 3,605
3 75.5 16.1 69.2 22 2,837 15,045 2,935,845 29 4,102
4 82.1 16.1 79.3 26 3,246 15,034 2,756,863 32 4,095
5 70.2 14.3 57.7 24 2,588 14,832 2,719,406 34 4,484
6-10 80.0 6.1 63.3 172 15,782 70,693 10,481,716 215 24,923
11-15 101.9 5.4 89.7 358 19,727 78,829 6,075,088 351 21,996
Total 90.0 3.6 71.3 626 46,064 224,366 31,311,826 695 64,578
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,628 134,587 0 23
5-14 142.7 58.3 133.7 6 350 19,817 1,274,401 4 262
15-24 89.8 31.8 96.7 8 863 28,674 3,107,699 9 893
25-34 80.6 15.0 89.8 29 4,942 55,632 10,432,186 36 5,506
35-44 96.7 8.5 89.1 129 15,099 57,162 9,709,498 133 16,941
45-54 72.2 5.3 49.9 186 12,016 43,358 5,341,683 258 24,068
55-64 98.0 7.4 73.0 176 8,500 14,114 1,116,074 180 11,651
65-74 117.7 13.4 83.6 77 3,289 2,809 172,873 65 3,934
75-89 154.9 40.0 77.2 15 1,004 171 22,825 10 1,302
90+ 0 0 0 0 0 0
Total 90.0 3.6 71.3 626 46,064 224,366 31,311,826 695 64,578
Ultimate Experience By Attained Age
15-19 50.9 50.9 26.6 1 25 10,645 509,908 2 94
20-29 115.9 35.0 113.8 11 445 32,237 1,340,989 9 391
30-39 103.9 23.8 124.3 19 997 36,338 1,559,394 18 802
40-49 105.3 10.2 93.2 106 6,006 53,944 3,414,909 101 6,448
50-59 84.7 4.2 80.9 412 21,374 84,321 4,712,791 486 26,423
60-69 90.5 3.5 94.5 676 24,097 52,521 1,857,707 747 25,487
70-79 142.0 4.8 118.5 892 15,517 24,032 504,668 628 13,091
80-89 144.8 5.3 122.1 735 10,720 9,209 166,633 508 8,778
90-99 109.2 8.0 153.6 186 2,842 1,113 12,230 170 1,850
100+ 28.1 12.6 3.8 5 2 51 151 18 55
Total 113.2 2.1 98.3 3,043 82,025 304,413 14,079,380 2,688 83,417
GRAND TOTAL 108.5 1.8 86.5 3,669 128,089 528,779 45,391,205 3,383 147,996

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.5     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 56.3 11.7 51.9 23 5,332 135,673 44,457,203 41 10,276
2 62.3 9.0 47.4 48 8,562 129,266 40,148,804 77 18,073
3 78.9 9.1 90.0 75 20,208 127,773 39,110,720 95 22,445
4 60.1 7.6 51.0 63 11,206 121,468 35,317,313 105 21,955
5 62.5 7.5 55.6 70 13,183 114,761 32,728,584 112 23,730
6-10 75.5 3.1 74.5 594 102,471 482,886 114,134,699 787 137,521
11-15 77.8 2.5 76.8 983 106,399 359,797 50,175,273 1,264 138,606
Total 74.8 1.7 71.8 1,856 267,361 1,471,624 356,072,595 2,481 372,606
Select Experience By Issue Age
0-4 910.6 910.6 794.2 1 98 649 73,422 0 12
5-14 0.0 0.0 0.0 0 0 8,593 1,079,672 2 239
15-24 90.2 17.7 112.3 26 4,603 132,200 20,715,887 29 4,100
25-34 83.4 7.4 73.0 127 26,906 433,459 119,056,993 152 36,875
35-44 90.2 5.3 78.0 292 61,065 445,623 131,545,652 324 78,282
45-54 67.7 3.5 64.3 369 57,026 290,623 62,657,436 545 88,683
55-64 64.4 3.1 46.1 424 31,596 120,592 16,223,130 659 68,552
65-74 78.4 3.8 85.3 421 49,361 35,367 3,909,009 537 57,900
75-89 84.2 6.0 96.7 196 36,707 4,516 811,320 233 37,951
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 74.8 1.7 71.8 1,856 267,361 1,471,624 356,072,595 2,481 372,606
Ultimate Experience By Attained Age
15-19 140.1 99.0 64.2 2 67 7,554 557,760 1 105
20-29 93.4 33.0 103.7 8 521 29,225 1,737,695 9 503
30-39 88.1 19.2 121.0 21 2,001 55,239 3,798,499 24 1,653
40-49 92.7 7.5 78.2 151 12,179 188,349 17,807,844 163 15,564
50-59 79.2 3.8 75.7 430 37,753 277,811 25,908,497 543 49,899
60-69 68.8 2.5 74.2 760 51,842 184,855 12,317,433 1,104 69,848
70-79 77.2 2.3 67.3 1,114 40,659 93,013 3,928,645 1,443 60,407
80-89 99.5 2.1 85.2 2,243 77,335 48,157 1,890,021 2,253 90,747
90-99 88.8 3.1 84.7 822 33,174 6,199 262,917 926 39,186
100+ 72.7 25.7 117.7 8 1,153 33 3,189 11 980
Total 85.8 1.2 78.0 5,559 256,686 890,434 68,212,502 6,477 328,892
GRAND TOTAL 82.8 1.0 74.7 7,415 524,047 2,362,057 424,285,097 8,958 701,498

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 8.6     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 20.1 14.2 4.0 2 105 42,553 10,976,258 10 2,621
2 47.2 21.1 17.8 5 585 40,294 10,490,948 11 3,286
3 89.1 26.9 64.6 11 2,495 36,838 9,501,094 12 3,864
4 103.0 31.1 87.3 11 2,762 30,468 6,840,770 11 3,163
5 221.3 45.2 166.1 24 4,852 28,019 6,142,212 11 2,922
6-10 56.8 10.0 49.8 32 5,191 104,921 15,834,553 56 10,432
11-15 71.8 10.3 60.2 49 2,947 79,272 5,870,345 68 4,899
Total 74.9 6.5 60.7 134 18,937 362,365 65,656,181 179 31,187
Select Experience By Issue Age
0-4 36.7 15.0 37.7 6 462 140,675 10,677,516 16 1,226
5-14 78.5 27.7 33.7 8 358 69,419 7,510,910 10 1,064
15-24 58.9 34.0 34.7 3 259 21,297 3,426,265 5 747
25-34 107.5 27.7 118.4 15 4,770 48,247 16,432,490 14 4,029
35-44 65.7 15.5 56.1 18 4,403 48,843 17,694,199 27 7,854
45-54 57.2 11.7 44.4 24 4,228 26,603 8,386,431 42 9,527
55-64 59.4 13.6 54.0 19 2,637 5,944 1,392,545 32 4,882
65-74 124.4 24.4 92.8 26 1,340 1,155 127,219 21 1,443
75-89 134.6 34.8 115.5 15 479 183 8,601 11 414
90+ 126.6 0 1 0 3 0 0
Total 74.9 6.5 60.7 134 18,937 362,365 65,656,181 179 31,187
Ultimate Experience By Attained Age
15-19 93.3 38.1 117.9 6 384 35,466 1,797,493 6 326
20-29 83.5 16.1 78.5 27 1,097 111,699 4,872,510 32 1,398
30-39 112.8 15.5 139.0 53 1,809 101,148 2,849,890 47 1,302
40-49 108.6 10.2 89.5 114 3,007 98,262 3,039,309 105 3,359
50-59 97.5 4.1 78.3 565 12,957 181,253 5,409,726 579 16,547
60-69 67.7 1.9 60.8 1,253 18,375 181,975 3,152,221 1,850 30,201
70-79 97.3 1.9 86.3 2,513 20,694 120,631 1,141,724 2,583 23,977
80-89 108.7 1.5 114.3 5,343 34,804 88,344 562,391 4,914 30,443
90-99 83.2 1.5 83.3 3,077 14,125 22,695 106,648 3,697 16,947
100+ 31.0 2.4 86.0 173 1,191 1,558 4,021 559 1,385
Total 91.3 0.8 86.1 13,124 108,443 943,030 22,935,933 14,373 125,885
GRAND TOTAL 91.1 0.8 81.1 13,258 127,379 1,305,395 88,592,114 14,552 157,071

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 9.1     TOTAL EXPERIENCE -- WHOLE LIFE
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 61.4 14.1 22.3 19 1,052 71,634 11,610,327 31 4,706
2 105.2 14.7 75.1 51 4,768 64,424 10,252,534 48 6,349
3 123.4 15.9 62.2 60 4,026 52,875 8,814,076 49 6,477
4 93.3 13.1 40.8 51 2,596 49,845 6,743,460 55 6,355
5 89.0 12.3 86.5 52 5,732 46,516 7,073,122 58 6,623
6-10 87.4 5.0 71.8 305 28,000 209,486 26,599,765 349 38,972
11-15 85.8 3.2 70.8 716 39,657 254,410 20,876,235 834 55,990
Total 88.0 2.5 68.4 1,254 85,830 749,191 91,969,519 1,425 125,472
Select Experience By Issue Age
0-4 43.3 13.7 37.0 10 564 160,008 10,983,736 23 1,524
5-29 88.2 9.2 69.9 91 7,653 264,699 29,383,998 103 10,947
30-44 92.4 7.1 72.7 171 19,309 175,447 32,018,945 185 26,565
45-59 81.6 3.9 66.1 441 31,194 113,847 16,613,554 540 47,220
60-74 92.9 4.4 71.4 454 23,607 33,253 2,814,160 489 33,049
75-89 103.7 11.2 56.2 86 3,418 1,933 154,778 83 6,083
90-120 95.6 95.6 101.7 1 85 5 350 1 84
Total 88.0 2.5 68.4 1,254 85,830 749,191 91,969,519 1,425 125,472
Ultimate Experience By Attained Age
15-29 92.3 7.7 83.6 143 5,872 331,894 15,556,956 155 7,020
30-44 110.2 5.3 91.8 425 14,415 490,934 19,970,389 386 15,698
45-59 99.4 1.8 81.8 3,015 119,295 1,029,676 54,200,653 3,035 145,842
60-74 78.0 0.8 67.2 10,543 260,813 970,834 32,122,540 13,518 387,851
75-89 99.2 0.6 90.7 25,923 376,923 489,940 8,262,014 26,120 415,535
90-120 71.1 0.8 80.3 8,257 80,789 55,987 506,721 11,612 100,656
Total 88.1 0.4 80.0 48,306 858,108 3,369,265 130,619,273 54,825 1,072,601
GRAND TOTAL 88.1 0.4 78.8 49,560 943,938 4,118,456 222,588,792 56,249 1,198,073

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 84.8 12.5 85.5 46 18,925 93,753 43,530,235 54 22,136
2 53.5 8.0 73.4 45 22,830 88,120 40,002,675 84 31,102
3 72.6 8.5 64.4 73 23,200 86,421 37,479,049 101 36,027
4 73.4 8.7 62.2 72 21,445 72,147 30,709,598 98 34,456
5 72.2 8.6 60.3 71 21,520 65,304 28,045,367 98 35,664
6-10 76.4 3.5 73.4 473 133,668 286,681 99,311,666 619 182,231
11-15 123.0 6.6 133.4 350 70,886 106,447 22,748,784 285 53,138
Total 84.4 2.5 79.2 1,130 312,474 798,874 301,827,374 1,339 394,753
Select Experience By Issue Age
0-4 233.3 233.3 135.1 1 50 3,207 277,768 0 37
5-29 83.8 13.4 70.5 39 9,088 108,460 31,630,975 47 12,885
30-44 93.5 5.3 82.7 309 97,096 371,100 157,906,439 330 117,478
45-59 83.0 3.4 82.6 588 171,528 281,607 103,529,827 708 207,769
60-74 76.4 5.5 61.8 193 34,710 34,481 8,465,305 252 56,123
75-89 0.0 0.0 0.0 0 0 19 17,060 0 461
90-120 0 0 0 0 0 0
Total 84.4 2.5 79.2 1,130 312,474 798,874 301,827,374 1,339 394,753
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 227 12,484 0 6
30-44 112.5 35.6 140.6 10 1,785 9,950 1,405,749 9 1,270
45-59 105.2 7.8 97.1 182 26,749 66,611 11,191,151 173 27,561
60-74 95.7 6.3 80.3 233 26,305 24,700 3,501,009 243 32,761
75-89 107.9 32.5 54.5 11 665 349 41,499 10 1,221
90-120 0.0 0.0 0.0 0 0 1 25 0 11
Total 100.0 4.8 88.3 436 55,504 101,838 16,151,918 436 62,830
GRAND TOTAL 88.2 2.2 80.4 1,566 367,978 900,712 317,979,292 1,775 457,583

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 48.5 12.5 28.8 15 3,527 86,373 36,576,114 31 12,244
2 65.7 12.6 76.9 27 11,360 75,035 30,441,184 41 14,773
3 79.4 13.2 64.8 36 10,007 69,912 26,959,020 45 15,443
4 75.3 12.2 65.4 38 11,156 66,631 25,635,556 50 17,062
5 107.8 14.2 99.0 58 17,070 60,982 22,583,993 54 17,242
6-10 73.5 5.1 76.5 204 58,221 211,553 66,110,840 277 76,061
11-15 82.7 5.9 74.8 198 37,557 93,637 21,605,331 239 50,184
Total 78.0 3.2 73.3 576 148,898 664,122 229,912,037 738 203,010
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 3,681 268,007 0 35
5-29 75.6 13.6 55.1 31 6,330 108,445 31,264,642 41 11,493
30-44 81.8 5.3 77.6 234 75,776 391,759 152,515,303 286 97,590
45-59 74.6 4.6 69.4 265 59,388 153,165 44,770,694 355 85,575
60-74 82.5 12.2 89.1 46 7,404 7,066 1,093,091 56 8,314
75-89 0.0 0.0 0.0 0 0 6 300 0 3
90-120 0 0 0 0 0 0
Total 78.0 3.2 73.3 576 148,898 664,122 229,912,037 738 203,010
Ultimate Experience By Attained Age
15-29 0.0 0.0 0.0 0 0 125 2,950 0 1
30-44 79.3 56.1 57.7 2 202 2,835 391,256 3 350
45-59 72.0 11.8 62.9 37 5,471 21,448 3,771,906 51 8,702
60-74 77.8 10.7 93.2 53 9,445 7,337 1,141,239 68 10,137
75-89 50.9 18.0 26.4 8 385 414 38,866 16 1,460
90-120 0 0 0 0 0 0
Total 72.6 7.3 75.1 100 15,503 32,160 5,346,217 138 20,650
GRAND TOTAL 77.1 3.0 73.5 676 164,401 696,282 235,258,254 876 223,659

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 55.5 24.8 27.8 5 750 25,327 6,609,746 9 2,695
2 22.1 12.8 6.7 3 300 24,856 6,795,275 14 4,472
3 71.2 21.5 76.6 11 3,610 22,768 6,372,631 15 4,713
4 75.2 20.9 54.2 13 2,700 22,365 6,484,730 17 4,980
5 78.9 19.1 63.2 17 3,787 23,896 6,793,570 22 5,991
6-10 78.5 7.8 83.6 102 28,160 91,540 24,144,661 130 33,692
11-15 77.6 5.8 53.4 176 19,298 93,554 14,878,930 227 36,166
Total 75.4 4.2 63.2 327 58,605 304,306 72,079,542 434 92,711
Select Experience By Issue Age
0-4 24.4 24.4 22.9 1 104 27,369 3,263,287 4 455
5-29 93.4 15.4 75.4 37 5,766 99,143 19,485,149 40 7,650
30-44 91.5 9.2 67.2 98 18,139 117,721 33,109,786 107 26,981
45-59 68.5 6.1 45.2 124 17,495 52,728 14,466,935 181 38,713
60-74 65.4 8.7 98.2 57 15,557 7,023 1,665,368 87 15,844
75-89 68.1 21.5 50.3 10 1,543 323 89,018 15 3,068
90-120 0 0 0 0 0 0
Total 75.4 4.2 63.2 327 58,605 304,306 72,079,542 434 92,711
Ultimate Experience By Attained Age
15-29 120.2 23.1 126.4 27 1,586 49,203 2,776,919 22 1,255
30-44 123.6 20.6 114.5 36 2,338 37,121 2,602,263 29 2,043
45-59 79.2 6.3 71.7 160 14,869 77,443 8,287,982 202 20,726
60-74 78.5 4.2 75.4 353 32,983 42,537 4,362,533 450 43,743
75-89 94.8 5.4 125.3 303 36,526 7,572 648,607 320 29,155
90-120 82.9 12.2 61.5 46 1,698 329 17,229 55 2,763
Total 85.8 2.8 90.3 925 90,000 214,204 18,695,531 1,078 99,685
GRAND TOTAL 82.8 2.3 77.2 1,252 148,605 518,510 90,775,073 1,512 192,396

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 74.7 16.7 28.6 20 1,303 56,211 9,190,517 27 4,554
2 88.7 13.2 86.0 45 7,939 64,167 10,951,680 51 9,234
3 70.7 10.3 88.1 47 11,353 70,895 13,079,689 66 12,880
4 71.6 9.9 54.7 52 6,265 69,030 11,121,423 73 11,459
5 64.6 9.1 51.8 51 7,106 67,027 11,509,575 79 13,721
6-10 80.1 3.9 60.6 433 54,077 270,390 42,671,093 540 89,293
11-15 74.9 2.6 58.8 853 94,271 278,002 38,142,419 1,139 160,318
Total 76.0 2.0 60.5 1,501 182,314 875,722 136,666,397 1,975 301,461
Select Experience By Issue Age
0-4 129.1 40.8 116.4 10 644 56,671 4,147,295 8 553
5-29 85.1 9.0 106.9 90 14,915 256,003 33,894,114 106 13,947
30-44 78.3 4.8 65.9 261 37,385 336,068 62,332,423 333 56,715
45-59 71.2 3.2 44.4 507 42,566 177,946 28,786,404 712 95,975
60-74 75.3 3.4 54.4 502 52,526 46,255 6,743,723 667 96,513
75-89 88.0 7.7 90.8 131 34,278 2,778 762,438 149 37,757
90-120 0 0 0 0 0 0
Total 76.0 2.0 60.5 1,501 182,314 875,722 136,666,397 1,975 301,461
Ultimate Experience By Attained Age
15-29 84.1 31.8 33.7 7 145 19,522 981,265 8 431
30-44 93.7 18.0 75.2 27 2,360 35,401 3,759,596 29 3,137
45-59 74.4 5.4 53.1 190 21,065 102,308 16,476,673 255 39,634
60-74 61.9 3.3 51.7 348 45,239 54,346 8,680,080 562 87,512
75-89 79.2 4.9 85.9 264 48,398 8,372 1,392,214 333 56,371
90-120 71.4 13.0 62.5 30 3,367 266 33,190 42 5,390
Total 70.4 2.4 62.6 866 120,574 220,214 31,323,018 1,230 192,476
GRAND TOTAL 73.9 1.5 61.3 2,367 302,888 1,095,937 167,989,414 3,205 493,936

Thomson Data Analysis Tue Jun 16 14:36:28 2015


TABLE 9.6     TOTAL EXPERIENCE -- TERM TO 100
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 43.8 14.6 40.8 9 3,085 38,144 18,741,951 21 7,569
2 53.3 12.6 32.3 18 3,845 37,538 18,520,183 34 11,905
3 46.0 10.0 21.9 21 3,470 41,157 20,244,109 46 15,820
4 28.0 7.2 20.9 15 3,430 39,719 17,807,909 54 16,417
5 41.5 8.3 37.2 25 6,964 39,690 17,186,340 60 18,704
6-10 51.3 3.3 32.9 235 30,367 166,552 55,393,316 458 92,326
11-15 78.2 3.4 67.5 514 34,090 98,477 11,366,468 657 50,480
Total 63.0 2.2 40.0 837 85,252 461,277 159,260,276 1,329 213,220
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8,185 286,513 1 39
5-29 24.6 9.3 14.4 7 1,010 65,760 17,920,586 29 7,036
30-44 49.3 5.3 36.0 86 22,600 211,537 95,081,045 174 62,764
45-59 53.2 3.4 32.5 243 27,636 138,268 41,672,285 457 84,919
60-74 73.4 3.6 60.9 408 27,361 35,912 4,109,422 556 44,922
75-89 83.0 8.6 49.1 93 6,644 1,614 190,425 112 13,541
90-120 0 0 0 0 0 0
Total 63.0 2.2 40.0 837 85,252 461,277 159,260,276 1,329 213,220
Ultimate Experience By Attained Age
15-29 30.0 21.2 59.6 2 110 14,934 432,987 7 185
30-44 123.7 22.6 105.4 30 1,685 30,302 1,926,808 24 1,599
45-59 76.2 4.6 67.0 273 23,346 127,786 13,413,944 358 34,828
60-74 73.7 2.3 60.5 1,032 68,822 112,685 9,993,118 1,400 113,823
75-89 92.0 1.9 69.6 2,403 131,498 56,416 3,960,995 2,611 189,039
90-120 82.0 3.6 83.0 526 42,401 3,670 280,444 641 51,073
Total 84.6 1.3 68.6 4,266 267,861 345,794 30,008,297 5,041 390,547
GRAND TOTAL 80.1 1.1 58.5 5,103 353,113 807,071 189,268,573 6,370 603,767

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 52.1 36.8 36.1 2 565 4,238 2,044,785 4 1,567
2 45.3 26.2 20.2 3 550 3,960 1,884,578 7 2,729
3 36.7 21.2 35.1 3 1,175 4,249 2,014,470 8 3,345
4 57.0 25.5 78.4 5 2,452 4,025 1,697,602 9 3,128
5 90.4 31.9 60.1 8 2,225 3,737 1,717,094 9 3,705
6-10 53.8 10.2 40.7 28 7,152 14,343 5,383,803 52 17,553
11-15 72.1 17.0 70.9 18 3,543 5,164 1,125,564 25 4,996
Total 59.1 7.2 47.7 67 17,662 39,715 15,867,896 113 37,023
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
15-24 119.1 84.2 144.4 2 619 2,008 542,244 2 428
25-34 52.0 19.6 42.5 7 2,200 13,240 5,467,706 13 5,174
35-44 50.0 12.9 49.8 15 5,958 14,458 6,506,712 30 11,954
45-54 59.0 11.3 45.8 27 6,450 8,433 2,925,362 46 14,072
55-64 76.7 19.8 49.2 15 2,415 1,475 408,956 20 4,910
65-74 36.2 36.2 4.3 1 21 98 16,258 3 482
75-89 0.0 0.0 0.0 0 0 1 50 0 2
90+ 0 0 0 0 0 0
Total 59.1 7.2 47.7 67 17,662 39,715 15,867,896 113 37,023
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 59.1 7.2 47.7 67 17,662 39,717 15,867,961 113 37,023

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 71.6 23.9 34.9 9 1,120 12,819 4,088,954 13 3,211
2 83.2 19.6 126.0 18 6,310 11,042 3,320,269 22 5,008
3 55.8 16.1 31.1 12 1,437 9,695 2,632,917 22 4,626
4 59.2 16.4 50.2 13 2,210 8,816 2,236,539 22 4,406
5 68.6 17.2 111.0 16 5,059 8,754 2,147,128 23 4,559
6-10 57.6 6.7 73.9 75 17,141 36,111 7,602,292 130 23,187
11-15 71.9 9.4 88.8 59 6,315 17,022 1,721,877 82 7,114
Total 64.5 4.5 76.0 202 39,592 104,259 23,749,977 313 52,111
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 195 5,981 0 2
5-14 91.7 45.8 443.3 4 1,050 9,089 508,243 4 237
15-24 95.0 35.9 76.1 7 718 9,025 1,214,254 7 943
25-34 59.3 14.4 72.7 17 5,295 29,722 7,978,820 29 7,280
35-44 63.0 10.1 64.6 39 10,126 30,159 8,993,269 62 15,666
45-54 66.6 7.9 81.2 72 15,465 19,989 4,330,814 108 19,056
55-64 53.8 8.3 77.6 42 5,969 5,343 677,396 78 7,694
65-74 85.0 19.0 76.8 20 919 720 40,743 24 1,197
75-89 89.3 89.3 137.5 1 50 17 456 1 36
90+ 0 0 0 0 0 0
Total 64.5 4.5 76.0 202 39,592 104,259 23,749,977 313 52,111
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 1,885 0 1
20-29 597.7 597.7 460.6 1 50 233 15,203 0 11
30-39 0.0 0.0 0.0 0 0 80 4,574 0 5
40-49 163.7 163.7 145.0 1 100 236 26,608 1 69
50-59 47.4 33.5 94.1 2 501 594 76,978 4 533
60-69 68.8 24.3 64.0 8 666 536 49,656 12 1,041
70-79 132.9 44.3 317.2 9 1,295 145 8,903 7 408
80-89 0.0 0.0 0.0 0 0 5 215 0 18
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 87.8 19.2 125.2 21 2,613 1,857 184,020 24 2,086
GRAND TOTAL 66.2 4.4 77.9 223 42,204 106,116 23,933,997 337 54,198

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 77.2 31.5 47.0 6 485 6,717 1,203,434 8 1,031
2 92.3 23.1 56.8 16 1,068 7,264 1,165,867 17 1,880
3 91.2 20.9 46.4 19 1,196 7,318 1,329,379 21 2,576
4 66.1 17.1 32.2 15 881 7,736 1,354,657 23 2,738
5 69.3 16.8 66.3 17 2,157 7,633 1,414,506 25 3,253
6-10 83.6 6.9 71.6 148 14,774 41,194 6,324,604 177 20,634
11-15 84.1 4.6 75.1 335 23,411 63,231 6,154,017 398 31,191
Total 83.2 3.5 69.5 556 43,971 141,093 18,946,465 668 63,303
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,546 128,960 1 50
5-14 134.8 44.9 45.2 9 192 12,139 819,344 7 426
15-24 150.1 28.9 148.1 27 2,760 20,523 2,210,854 18 1,863
25-34 73.0 12.7 58.5 33 4,104 34,534 5,725,152 45 7,017
35-44 77.3 8.0 62.5 94 11,085 37,062 6,345,668 122 17,742
45-54 82.4 6.2 63.2 178 13,441 24,472 3,013,689 216 21,279
55-64 79.6 6.6 72.0 144 8,387 8,084 630,502 181 11,642
65-74 85.7 10.9 116.4 62 3,571 1,641 69,276 72 3,068
75-89 131.1 43.7 198.5 9 431 92 3,020 7 217
90+ 0 0 0 0 0 0
Total 83.2 3.5 69.5 556 43,971 141,093 18,946,465 668 63,303
Ultimate Experience By Attained Age
15-19 128.0 52.2 179.2 6 389 10,829 502,762 5 217
20-29 103.7 20.3 101.1 26 1,034 34,570 1,422,020 25 1,023
30-39 98.1 15.0 89.3 43 1,701 38,905 1,679,646 44 1,906
40-49 94.2 8.9 89.8 113 8,080 49,072 3,570,146 120 8,993
50-59 92.2 3.9 83.9 569 40,128 88,838 6,989,760 617 47,805
60-69 81.2 2.5 74.3 1,042 53,087 60,161 3,510,793 1,283 71,472
70-79 86.9 2.6 87.2 1,157 39,250 26,587 920,258 1,331 45,001
80-89 106.1 3.6 117.3 880 21,670 8,940 199,390 829 18,477
90-99 81.5 6.8 83.8 145 1,897 809 10,724 178 2,264
100+ 19.9 9.9 2.9 4 3 46 198 20 87
Total 89.5 1.4 84.8 3,985 167,240 318,756 18,805,696 4,452 197,245
GRAND TOTAL 88.7 1.3 81.1 4,541 211,211 459,849 37,752,161 5,120 260,549

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 56.6 16.4 32.7 12 3,931 40,356 25,252,351 21 12,019
2 62.1 15.1 66.3 17 10,315 38,061 23,743,604 27 15,556
3 62.6 13.4 43.8 22 8,540 40,507 24,817,860 35 19,510
4 51.9 11.6 40.4 20 7,866 38,222 21,526,874 39 19,463
5 67.2 12.7 63.8 28 13,750 36,995 20,329,038 42 21,550
6-10 56.0 4.6 51.9 151 61,550 152,479 73,944,838 270 118,626
11-15 76.9 7.5 62.6 105 26,593 53,559 17,588,055 137 42,511
Total 62.3 3.3 53.2 355 132,544 400,179 207,202,621 570 249,235
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 27 4,825 0 2
5-14 0.0 0.0 0.0 0 0 493 120,739 0 64
15-24 45.8 22.9 26.1 4 705 16,427 5,324,552 9 2,703
25-34 56.1 9.6 50.0 34 14,567 106,262 54,130,620 61 29,136
35-44 61.8 6.9 51.9 81 35,927 148,630 86,472,644 131 69,250
45-54 70.9 6.3 62.5 126 48,941 96,544 48,541,835 178 78,329
55-64 53.5 6.0 47.9 79 25,052 28,657 11,449,018 148 52,258
65-74 72.4 13.7 48.7 28 6,627 3,027 1,073,615 39 13,596
75-89 56.4 32.6 18.6 3 725 112 84,772 5 3,898
90+ 0 0 0 0 0 0
Total 62.3 3.3 53.2 355 132,544 400,179 207,202,621 570 249,235
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 1
40-49 0.0 0.0 0.0 0 0 206 43,143 0 56
50-59 80.9 80.9 136.1 1 400 497 117,040 1 294
60-69 59.3 59.3 21.6 1 100 223 55,637 2 463
70-79 0.0 0.0 0.0 0 0 30 6,448 1 136
80-89 0.0 0.0 0.0 0 0 1 225 0 12
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 52.1 36.8 52.0 2 500 968 224,321 4 962
GRAND TOTAL 62.2 3.3 53.2 357 133,044 401,147 207,426,941 574 250,198

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 70.1 13.7 94.7 26 14,500 60,703 28,988,198 37 15,305
2 66.2 11.9 104.3 31 19,260 52,984 24,215,185 47 18,471
3 66.3 11.4 59.4 34 10,764 47,908 20,155,900 51 18,119
4 71.1 11.5 59.4 38 10,139 43,384 16,603,214 53 17,076
5 72.2 11.3 61.7 41 11,132 40,962 15,527,797 57 18,048
6-10 72.4 4.6 71.1 253 66,776 158,084 51,463,892 349 93,895
11-15 95.4 7.1 120.2 179 34,130 50,519 10,018,974 188 28,398
Total 76.9 3.1 79.6 602 166,701 454,545 166,973,161 782 209,311
Select Experience By Issue Age
0-4 6334.8 6334.8 5627.7 1 50 43 2,408 0 1
5-14 0.0 0.0 0.0 0 0 3,317 422,309 2 204
15-24 65.2 18.8 88.9 12 2,190 36,176 5,038,120 18 2,464
25-34 74.7 11.7 89.1 41 16,497 102,148 36,227,592 55 18,517
35-44 78.6 8.3 73.2 90 34,292 139,869 64,186,865 115 46,831
45-54 82.1 6.4 95.4 166 64,300 113,753 45,790,026 202 67,417
55-64 74.5 5.4 68.9 194 40,092 49,941 13,866,526 260 58,193
65-74 77.8 8.2 64.0 90 9,061 8,971 1,401,255 116 14,168
75-89 54.0 19.1 14.4 8 219 327 38,060 15 1,517
90+ 0 0 0 0 0 0
Total 76.9 3.1 79.6 602 166,701 454,545 166,973,161 782 209,311
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 47 3,223 0 1
20-29 0.0 0.0 0.0 0 0 151 9,844 0 7
30-39 398.5 398.5 127.4 1 25 327 25,574 0 20
40-49 73.8 73.8 22.1 1 51 1,062 179,313 1 231
50-59 90.8 34.3 40.9 7 600 2,870 549,081 8 1,470
60-69 85.2 17.0 83.6 25 3,670 3,323 513,790 29 4,387
70-79 85.7 15.7 98.2 30 4,104 1,508 185,722 35 4,178
80-89 68.3 30.6 45.2 5 426 137 16,853 7 942
90-99 0.0 0.0 0.0 0 0 2 78 1 18
100+ 0 0 0 0 0 0
Total 84.5 10.2 78.9 69 8,876 9,428 1,483,478 82 11,254
GRAND TOTAL 77.7 3.0 79.6 671 175,577 463,973 168,456,639 864 220,565

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 101.0 21.5 45.3 22 1,973 31,012 7,566,125 22 4,354
2 89.0 16.0 33.9 31 2,447 34,950 8,687,595 35 7,225
3 99.4 15.0 86.0 44 8,432 35,653 9,889,493 44 9,803
4 95.7 13.7 59.7 49 7,733 35,783 11,185,004 51 12,952
5 75.6 11.5 60.2 43 8,376 34,488 11,165,080 57 13,922
6-10 89.3 4.6 68.4 374 55,262 176,359 43,406,234 419 80,769
11-15 82.2 2.8 61.3 886 98,923 238,698 44,304,884 1,078 161,506
Total 84.9 2.2 63.0 1,449 183,146 586,943 136,204,415 1,706 290,532
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 554 52,790 0 20
5-14 67.6 47.8 102.7 2 342 4,935 565,900 3 334
15-24 99.6 16.4 80.7 37 4,143 63,598 9,097,224 37 5,135
25-34 83.3 8.9 70.3 88 16,521 149,407 34,286,777 106 23,516
35-44 97.6 6.7 80.7 212 46,380 173,857 50,939,453 217 57,488
45-54 84.9 4.7 69.8 322 53,488 121,560 29,959,745 379 76,682
55-64 77.5 3.9 50.4 386 34,471 55,212 9,122,848 498 68,332
65-74 85.5 4.7 49.0 325 21,009 16,444 1,925,813 380 42,898
75-89 89.7 10.3 41.8 76 6,708 1,372 253,589 85 16,055
90+ 111.6 111.6 117.6 1 85 4 275 1 72
Total 84.9 2.2 63.0 1,449 183,146 586,943 136,204,415 1,706 290,532
Ultimate Experience By Attained Age
15-19 117.1 58.6 124.1 4 313 7,673 566,300 3 252
20-29 90.4 20.7 74.8 19 930 29,150 1,739,407 21 1,242
30-39 112.3 16.4 91.5 47 2,738 54,268 3,878,098 42 2,993
40-49 89.9 6.3 78.4 202 20,802 180,491 20,861,151 225 26,545
50-59 84.3 3.2 69.2 687 77,942 318,654 44,100,057 815 112,595
60-69 71.4 1.9 62.0 1,347 139,773 225,437 27,652,415 1,886 225,490
70-79 75.2 1.7 65.6 1,954 142,926 104,817 9,018,382 2,597 217,760
80-89 89.2 1.7 75.4 2,649 154,648 43,214 3,049,700 2,969 204,996
90-99 77.6 3.2 79.3 599 39,214 3,733 236,510 772 49,480
100+ 17.9 12.6 12.0 2 123 26 2,452 11 1,017
Total 80.4 0.9 68.8 7,510 579,407 967,462 111,104,472 9,340 842,370
GRAND TOTAL 81.1 0.9 67.3 8,959 762,553 1,554,405 247,308,886 11,047 1,132,902

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 91.3 91.3 46.8 1 150 2,369 894,471 1 321
2 33.7 33.7 11.4 1 100 2,273 885,613 3 874
3 27.5 27.5 23.1 1 250 2,467 912,656 4 1,081
4 51.0 36.1 75.6 2 900 2,390 837,450 4 1,191
5 46.7 33.0 56.0 2 700 2,288 799,594 4 1,250
6-10 54.3 15.0 40.2 13 2,563 8,746 2,542,173 24 6,376
11-15 38.8 17.3 55.8 5 1,150 3,700 614,488 13 2,061
Total 47.4 9.5 44.2 25 5,813 24,233 7,486,445 53 13,155
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
15-24 194.2 194.2 221.1 1 250 1,773 423,915 1 113
25-34 69.4 40.1 51.0 3 650 8,373 2,864,314 4 1,274
35-44 45.8 18.7 72.1 6 2,670 7,862 2,640,275 13 3,702
45-54 30.4 11.5 20.7 7 1,050 5,169 1,313,107 23 5,082
55-64 57.1 25.5 33.3 5 668 924 209,608 9 2,004
65-74 39.0 39.0 13.7 1 75 122 27,220 3 548
75-89 469.7 332.1 104.4 2 450 8 7,407 0 431
90+ 0 0 0 0 0 0
Total 47.4 9.5 44.2 25 5,813 24,233 7,486,445 53 13,155
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 47.4 9.5 44.2 25 5,813 24,233 7,486,445 53 13,155

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 65.5 37.8 44.3 3 325 8,071 1,767,660 5 733
2 46.3 20.7 23.5 5 395 7,257 1,537,658 11 1,682
3 81.6 25.8 88.3 10 1,587 6,865 1,276,716 12 1,798
4 64.0 22.6 46.6 8 761 6,466 1,150,782 12 1,631
5 109.2 29.2 72.6 14 1,210 6,369 1,065,606 13 1,667
6-10 71.7 9.7 67.3 55 5,667 28,266 3,909,596 77 8,419
11-15 105.8 13.7 96.0 60 3,072 16,081 1,086,754 57 3,201
Total 83.2 6.7 68.0 155 13,016 79,374 11,794,773 186 19,133
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 202 6,912 0 1
5-14 59.9 59.9 108.1 1 100 8,419 477,905 2 92
15-24 40.2 40.2 19.6 1 50 8,901 976,027 2 255
25-34 79.3 28.0 127.7 8 2,190 21,194 4,121,408 10 1,715
35-44 79.5 15.0 67.2 28 3,422 19,911 3,671,957 35 5,092
45-54 71.1 10.0 48.4 51 3,763 15,253 2,096,466 72 7,779
55-64 93.0 13.7 86.2 46 2,903 4,702 399,080 49 3,367
65-74 122.8 28.9 81.0 18 569 764 39,740 15 702
75-89 190.6 134.7 15.5 2 20 27 5,278 1 129
90+ 0 0 0 0 0 0
Total 83.2 6.7 68.0 155 13,016 79,374 11,794,773 186 19,133
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 23 1,921 0 0
20-29 0.0 0.0 0.0 0 0 221 14,182 0 4
30-39 0.0 0.0 0.0 0 0 50 3,678 0 2
40-49 0.0 0.0 0.0 0 0 191 17,900 0 33
50-59 156.4 78.2 59.3 4 134 437 39,347 3 226
60-69 49.0 34.7 37.4 2 75 291 14,744 4 201
70-79 310.8 126.9 196.0 6 141 79 2,900 2 72
80-89 339.5 339.5 173.4 1 8 5 100 0 5
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 139.5 38.7 66.0 13 358 1,298 94,772 9 542
GRAND TOTAL 85.9 6.6 68.0 168 13,374 80,672 11,889,545 196 19,675

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 112.0 56.0 86.5 4 276 4,612 586,920 4 319
2 93.2 29.5 60.7 10 637 5,352 670,585 11 1,048
3 83.0 25.0 81.8 11 1,000 5,712 746,473 13 1,223
4 104.7 26.2 124.6 16 1,585 6,178 768,631 15 1,272
5 46.9 16.6 43.3 8 678 6,175 854,206 17 1,566
6-10 90.9 8.9 74.6 104 7,552 33,681 4,029,947 114 10,128
11-15 104.0 6.1 92.7 293 15,506 59,048 4,373,846 282 16,733
Total 97.8 4.6 84.3 446 27,234 120,760 12,030,608 456 32,291
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,426 127,676 0 21
5-14 197.2 88.2 147.7 5 250 11,396 795,896 3 169
15-24 101.6 41.5 107.3 6 563 18,000 1,707,757 6 525
25-34 83.5 19.7 83.5 18 2,102 26,066 3,446,464 22 2,517
35-44 111.6 11.4 110.6 95 9,008 29,389 3,397,267 85 8,147
45-54 78.6 6.9 64.3 128 7,203 22,937 1,932,109 163 11,207
55-64 103.0 9.2 78.5 125 4,930 8,488 507,386 121 6,280
65-74 120.3 15.8 98.6 58 2,645 1,922 105,913 48 2,683
75-89 134.0 40.4 72.0 11 534 135 10,139 8 742
90+ 0 0 0 0 0 0
Total 97.8 4.6 84.3 446 27,234 120,760 12,030,608 456 32,291
Ultimate Experience By Attained Age
15-19 51.0 51.0 26.7 1 25 10,622 507,987 2 94
20-29 116.7 35.2 115.0 11 445 32,016 1,326,807 9 387
30-39 104.0 23.9 124.6 19 997 36,288 1,555,716 18 800
40-49 105.7 10.3 93.6 106 6,006 53,753 3,397,009 100 6,415
50-59 84.3 4.2 81.1 408 21,241 83,884 4,673,443 484 26,197
60-69 90.7 3.5 95.0 674 24,022 52,230 1,842,964 743 25,286
70-79 141.5 4.8 118.1 886 15,376 23,953 501,768 626 13,019
80-89 144.6 5.3 122.1 734 10,712 9,204 166,533 507 8,774
90-99 109.2 8.0 153.6 186 2,842 1,113 12,230 170 1,850
100+ 28.1 12.6 3.8 5 2 51 151 18 55
Total 113.1 2.1 98.5 3,030 81,667 303,115 13,984,607 2,678 82,875
GRAND TOTAL 110.9 1.9 94.6 3,476 108,902 423,874 26,015,215 3,134 115,166

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 0.0 0.0 2.6 0 100 39,037 19,486,179 9 3,783
2 43.5 16.4 22.2 7 1,577 36,590 17,965,059 16 7,118
3 68.0 18.2 83.7 14 7,475 38,662 18,282,927 21 8,933
4 56.1 15.6 32.3 13 2,745 37,096 16,034,209 23 8,496
5 36.8 12.3 28.7 9 2,694 35,290 15,039,125 24 9,389
6-10 60.6 6.4 51.8 91 25,489 135,017 48,602,713 150 49,229
11-15 88.0 10.1 87.3 76 16,917 49,167 11,321,854 86 19,370
Total 63.7 4.4 53.6 210 56,998 370,858 146,732,067 330 106,319
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 6,920 0 1
5-14 0.0 0.0 0.0 0 0 487 111,713 0 24
15-24 76.5 44.2 117.4 3 1,250 19,872 5,903,219 4 1,064
25-34 47.2 10.8 38.5 19 5,800 126,490 52,853,632 40 15,076
35-44 95.4 10.7 75.1 79 23,520 134,434 58,595,819 83 31,299
45-54 51.4 7.1 44.4 52 13,027 70,662 24,037,124 101 29,364
55-64 55.4 9.5 27.6 34 4,051 16,132 4,268,338 61 14,658
65-74 48.0 13.8 47.1 12 3,920 2,350 762,885 25 8,318
75-89 73.7 22.2 83.4 11 5,430 387 192,417 15 6,513
90+ 0 0 0 0 0 0
Total 63.7 4.4 53.6 210 56,998 370,858 146,732,067 330 106,319
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
40-49 599.5 599.5 367.9 1 100 185 29,929 0 27
50-59 135.2 135.2 87.5 1 100 383 59,751 1 114
60-69 0.0 0.0 0.0 0 0 128 22,383 1 119
70-79 0.0 0.0 0.0 0 0 3 700 0 10
80-89 0.0 0.0 0.0 0 0 1 250 0 8
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 120.0 84.8 71.4 2 200 726 117,070 2 280
GRAND TOTAL 64.0 4.4 53.7 212 57,198 371,584 146,849,136 331 106,599

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 87.0 21.7 109.0 16 4,632 59,785 17,917,929 18 4,251
2 57.5 13.5 51.0 18 3,350 51,234 14,687,562 31 6,575
3 89.0 15.7 79.0 32 5,450 47,154 12,376,026 36 6,899
4 72.7 13.7 80.1 28 5,665 43,858 10,918,175 39 7,072
5 92.4 15.2 92.3 37 6,598 41,080 9,684,350 40 7,152
6-10 89.4 6.0 100.1 223 35,518 154,173 31,328,631 249 35,476
11-15 90.6 7.9 108.9 133 12,347 50,390 6,012,490 147 11,342
Total 86.9 3.9 93.4 487 73,559 447,674 102,925,162 561 78,767
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 34 1,718 0 0
5-14 0.0 0.0 0.0 0 0 3,122 390,416 1 76
15-24 104.7 37.0 114.1 8 1,076 41,641 5,495,268 8 943
25-34 94.4 16.2 87.2 34 7,430 127,158 32,785,758 36 8,524
35-44 85.2 10.6 67.0 64 12,290 129,886 37,166,116 75 18,330
45-54 87.4 8.1 102.1 117 24,213 93,649 20,425,459 134 23,707
55-64 69.3 6.5 50.8 115 9,167 40,908 5,787,577 166 18,048
65-74 107.2 10.0 254.0 116 17,630 10,344 804,060 108 6,941
75-89 99.8 17.4 79.8 33 1,754 933 68,790 33 2,199
90+ 0 0 0 0 0 0
Total 86.9 3.9 93.4 487 73,559 447,674 102,925,162 561 78,767
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 3
30-39 0.0 0.0 0.0 0 0 263 20,821 0 9
40-49 0.0 0.0 0.0 0 0 1,084 130,076 1 117
50-59 148.1 56.0 150.4 7 780 2,333 261,798 5 519
60-69 42.1 18.8 70.3 5 670 1,996 168,443 12 953
70-79 98.1 31.0 56.9 10 361 693 42,742 10 634
80-89 174.7 66.0 375.6 7 950 100 5,923 4 253
90-99 80.9 80.9 64.1 1 38 8 405 1 59
100+ 0 0 0 0 0 0
Total 90.5 16.5 109.9 30 2,798 6,645 642,870 33 2,546
GRAND TOTAL 87.1 3.8 93.9 517 76,357 454,319 103,568,031 594 81,313

Thomson Data Analysis Tue Jun 16 14:36:28 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 97-04 TABLES
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ (,000) NUMBER $ (,000) NUMBER $ (,000)
Select Experience By Policy Year
1 52.0 19.7 26.8 7 600 36,851 7,053,094 13 2,242
2 77.7 16.2 83.0 23 3,634 41,442 7,496,182 30 4,380
3 75.3 14.0 110.1 29 7,283 41,957 8,451,767 38 6,612
4 51.0 10.9 43.8 22 2,796 40,514 8,364,930 43 6,387
5 50.6 10.3 54.1 24 3,892 38,391 8,005,110 47 7,189
6-10 72.2 4.3 78.5 280 41,464 193,696 34,203,355 388 52,816
11-15 75.1 2.7 71.5 774 77,135 260,240 32,840,929 1,031 107,894
Total 72.9 2.1 73.0 1,159 136,804 653,091 106,415,367 1,590 187,520
Select Experience By Issue Age
0-4 1028.1 1028.1 897.1 1 98 572 64,784 0 11
5-14 0.0 0.0 0.0 0 0 4,984 577,543 1 139
15-24 87.0 22.5 108.8 15 2,277 70,687 9,317,400 17 2,093
25-34 97.3 11.3 103.0 74 13,676 179,811 33,417,602 76 13,275
35-44 89.8 7.4 88.1 149 25,256 181,303 35,783,718 166 28,652
45-54 64.5 4.6 55.6 200 19,786 126,312 18,194,853 310 35,612
55-64 63.8 3.8 51.3 275 18,378 63,552 6,167,215 431 35,847
65-74 72.6 4.2 65.2 293 27,811 22,672 2,342,064 404 42,642
75-89 82.2 6.7 101.0 152 29,523 3,196 550,113 185 29,238
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 72.9 2.1 73.0 1,159 136,804 653,091 106,415,367 1,590 187,520
Ultimate Experience By Attained Age
15-19 140.9 99.7 64.6 2 67 7,506 554,290 1 104
20-29 93.8 33.2 104.3 8 521 29,099 1,727,905 9 500
30-39 88.6 19.3 121.8 21 2,001 54,954 3,774,221 24 1,643
40-49 92.7 7.6 78.3 150 12,079 187,080 17,647,839 162 15,420
50-59 78.5 3.8 74.8 422 36,873 275,095 25,586,948 537 49,266
60-69 69.2 2.5 74.4 755 51,172 182,731 12,126,606 1,092 68,776
70-79 77.1 2.3 67.4 1,104 40,299 92,317 3,885,203 1,432 59,763
80-89 99.4 2.1 84.4 2,236 76,385 48,056 1,883,849 2,249 90,486
90-99 88.8 3.1 84.7 821 33,137 6,191 262,512 925 39,127
100+ 72.7 25.7 117.7 8 1,153 33 3,189 11 980
Total 85.8 1.2 77.8 5,527 253,688 883,063 67,452,562 6,442 326,066
GRAND TOTAL 83.2 1.0 76.0 6,686 390,492 1,536,154 173,867,929 8,032 513,586

Thomson Data Analysis Tue Jun 16 14:36:28 2015