CANADIAN ORDINARY STANDARD EXPERIENCE
|
BETWEEN POLICY ANNIVERSARIES IN 2008 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 1
TOTAL EXPERIENCE
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
87.6
|
3.1
|
64.7
|
783
|
169,084
|
1,916,894
|
617,682,241
|
894
|
261,143
|
2
|
72.9
|
2.3
|
62.8
|
1,004
|
231,220
|
1,801,861
|
568,430,308
|
1,377
|
367,971
|
3
|
83.7
|
2.3
|
67.5
|
1,307
|
272,215
|
1,701,543
|
519,134,302
|
1,561
|
403,476
|
4
|
79.9
|
2.2
|
65.5
|
1,335
|
273,274
|
1,574,760
|
461,811,417
|
1,670
|
417,190
|
5
|
78.4
|
2.1
|
65.3
|
1,415
|
285,126
|
1,478,166
|
415,745,442
|
1,804
|
436,843
|
6-10
|
81.1
|
0.8
|
70.1
|
10,784
|
1,770,384
|
6,856,977
|
1,537,946,821
|
13,300
|
2,525,934
|
11-15
|
89.1
|
0.7
|
82.2
|
17,888
|
1,654,955
|
5,486,015
|
673,915,596
|
20,073
|
2,012,984
|
Total
|
84.8
|
0.5
|
72.5
|
34,516
|
4,656,257
|
20,816,215
|
4,794,666,128
|
40,679
|
6,425,541
|
Select Experience By Issue Age
|
0-4
|
74.9
|
5.7
|
64.4
|
170
|
9,132
|
1,563,570
|
101,133,003
|
227
|
14,185
|
5-14
|
91.3
|
5.5
|
73.2
|
271
|
17,072
|
1,060,651
|
90,652,688
|
297
|
23,326
|
15-24
|
92.5
|
3.4
|
91.0
|
719
|
88,066
|
1,840,790
|
245,275,759
|
778
|
96,753
|
25-34
|
78.0
|
1.7
|
68.8
|
2,146
|
444,169
|
5,060,755
|
1,334,124,254
|
2,752
|
645,771
|
35-44
|
87.2
|
1.2
|
76.3
|
5,364
|
1,144,924
|
5,666,974
|
1,762,979,362
|
6,153
|
1,501,144
|
45-54
|
83.6
|
0.9
|
74.0
|
8,537
|
1,353,551
|
3,743,188
|
958,312,555
|
10,215
|
1,828,209
|
55-64
|
79.3
|
0.8
|
64.4
|
8,741
|
878,757
|
1,466,565
|
254,273,156
|
11,018
|
1,365,209
|
65-74
|
93.6
|
1.1
|
77.7
|
6,831
|
534,436
|
377,179
|
42,265,272
|
7,298
|
687,794
|
75-89
|
89.4
|
2.1
|
70.5
|
1,732
|
185,095
|
36,517
|
5,647,653
|
1,938
|
262,625
|
90+
|
106.7
|
47.7
|
200.7
|
5
|
1,056
|
25
|
2,426
|
5
|
526
|
Total
|
84.8
|
0.5
|
72.5
|
34,516
|
4,656,257
|
20,816,215
|
4,794,666,128
|
40,679
|
6,425,541
|
Ultimate Experience By Attained Age
|
15-19
|
105.6
|
7.7
|
91.4
|
189
|
7,693
|
584,692
|
27,942,002
|
179
|
8,416
|
20-29
|
94.4
|
3.2
|
84.9
|
851
|
30,236
|
1,765,868
|
70,928,539
|
901
|
35,618
|
30-39
|
107.1
|
2.9
|
88.9
|
1,391
|
44,765
|
1,907,972
|
74,825,552
|
1,298
|
50,352
|
40-49
|
106.7
|
1.5
|
87.8
|
5,140
|
295,651
|
3,695,787
|
262,339,501
|
4,817
|
336,663
|
50-59
|
97.4
|
0.7
|
87.0
|
18,783
|
1,082,434
|
5,752,724
|
414,920,628
|
19,284
|
1,243,674
|
60-69
|
80.1
|
0.4
|
73.9
|
38,734
|
1,518,806
|
4,634,020
|
225,320,202
|
48,385
|
2,055,066
|
70-79
|
89.4
|
0.3
|
77.9
|
68,413
|
1,552,021
|
2,815,181
|
78,658,914
|
76,504
|
1,991,730
|
80-89
|
103.4
|
0.3
|
88.2
|
108,915
|
1,718,354
|
1,575,320
|
30,368,191
|
105,373
|
1,947,855
|
90-99
|
78.5
|
0.4
|
84.4
|
38,245
|
476,855
|
250,769
|
2,998,189
|
48,692
|
564,935
|
100+
|
14.8
|
0.4
|
49.9
|
1,337
|
11,375
|
21,894
|
59,044
|
9,029
|
22,791
|
Total
|
89.7
|
0.2
|
81.6
|
281,998
|
6,738,189
|
23,004,227
|
1,188,360,763
|
314,462
|
8,257,102
|
GRAND TOTAL
|
89.1
|
0.2
|
77.6
|
316,514
|
11,394,447
|
43,820,442
|
5,983,026,891
|
355,141
|
14,682,643
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 2.1
TOTAL EXPERIENCE -- MALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
88.4
|
3.8
|
64.9
|
532
|
129,692
|
974,468
|
365,526,536
|
602
|
199,813
|
2
|
77.8
|
3.0
|
68.6
|
654
|
180,569
|
916,242
|
337,732,098
|
841
|
263,135
|
3
|
83.9
|
3.0
|
65.7
|
790
|
188,114
|
866,021
|
309,638,574
|
941
|
286,375
|
4
|
82.0
|
2.9
|
67.9
|
818
|
200,748
|
802,974
|
276,706,340
|
998
|
295,534
|
5
|
80.4
|
2.7
|
65.5
|
861
|
201,116
|
756,240
|
250,374,156
|
1,071
|
307,155
|
6-10
|
82.2
|
1.0
|
69.2
|
6,395
|
1,210,670
|
3,527,867
|
936,496,575
|
7,777
|
1,750,555
|
11-15
|
87.8
|
0.9
|
80.8
|
9,453
|
1,048,671
|
2,722,797
|
395,800,004
|
10,770
|
1,298,024
|
Total
|
84.8
|
0.6
|
71.8
|
19,503
|
3,159,579
|
10,566,611
|
2,872,274,285
|
23,000
|
4,400,592
|
Select Experience By Issue Age
|
0-4
|
80.1
|
7.7
|
71.3
|
109
|
5,822
|
791,737
|
49,658,217
|
136
|
8,167
|
5-14
|
93.4
|
6.7
|
70.5
|
194
|
11,269
|
541,014
|
45,280,588
|
208
|
15,978
|
15-24
|
90.9
|
4.1
|
88.6
|
498
|
62,219
|
879,670
|
121,421,147
|
548
|
70,239
|
25-34
|
74.7
|
2.1
|
64.7
|
1,285
|
287,521
|
2,411,761
|
711,483,210
|
1,720
|
444,556
|
35-44
|
86.0
|
1.5
|
74.6
|
3,173
|
789,380
|
2,971,344
|
1,095,803,148
|
3,689
|
1,058,859
|
45-54
|
86.6
|
1.2
|
75.1
|
5,188
|
991,621
|
2,020,270
|
647,029,579
|
5,989
|
1,320,771
|
55-64
|
79.8
|
1.1
|
65.3
|
5,120
|
650,247
|
774,848
|
176,972,737
|
6,419
|
996,040
|
65-74
|
91.7
|
1.6
|
78.7
|
3,380
|
309,946
|
165,712
|
22,756,495
|
3,684
|
393,882
|
75-89
|
91.9
|
3.9
|
56.0
|
554
|
51,415
|
10,241
|
1,868,014
|
603
|
91,837
|
90+
|
64.2
|
45.4
|
52.6
|
2
|
138
|
15
|
1,151
|
3
|
263
|
Total
|
84.8
|
0.6
|
71.8
|
19,503
|
3,159,579
|
10,566,611
|
2,872,274,285
|
23,000
|
4,400,592
|
Ultimate Experience By Attained Age
|
15-19
|
104.4
|
9.1
|
87.6
|
132
|
5,097
|
297,357
|
13,700,421
|
126
|
5,821
|
20-29
|
94.0
|
3.8
|
84.3
|
612
|
21,520
|
905,485
|
35,810,612
|
651
|
25,532
|
30-39
|
107.7
|
3.5
|
83.6
|
944
|
28,224
|
995,706
|
38,884,611
|
876
|
33,767
|
40-49
|
108.4
|
1.9
|
84.1
|
3,099
|
180,360
|
1,897,557
|
145,622,305
|
2,859
|
214,372
|
50-59
|
101.5
|
0.9
|
88.7
|
11,911
|
766,750
|
3,192,661
|
266,749,852
|
11,736
|
864,617
|
60-69
|
82.4
|
0.5
|
73.9
|
26,323
|
1,172,691
|
2,781,941
|
160,736,567
|
31,957
|
1,586,832
|
70-79
|
85.9
|
0.4
|
77.4
|
47,026
|
1,246,138
|
1,725,713
|
57,090,652
|
54,741
|
1,609,306
|
80-89
|
99.8
|
0.4
|
86.0
|
70,375
|
1,255,259
|
910,742
|
20,416,317
|
70,532
|
1,459,077
|
90-99
|
73.3
|
0.5
|
79.9
|
21,377
|
294,493
|
128,801
|
1,717,197
|
29,166
|
368,498
|
100+
|
10.2
|
0.4
|
33.4
|
634
|
4,514
|
14,163
|
31,401
|
6,222
|
13,523
|
Total
|
87.3
|
0.2
|
80.5
|
182,433
|
4,975,048
|
12,850,124
|
740,759,936
|
208,867
|
6,181,346
|
GRAND TOTAL
|
87.1
|
0.2
|
76.9
|
201,936
|
8,134,627
|
23,416,735
|
3,613,034,221
|
231,866
|
10,581,938
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 2.2
TOTAL EXPERIENCE -- FEMALES
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
86.0
|
5.4
|
64.2
|
251
|
39,392
|
942,426
|
252,155,705
|
292
|
61,330
|
2
|
65.3
|
3.5
|
48.3
|
350
|
50,650
|
885,619
|
230,698,210
|
536
|
104,836
|
3
|
83.3
|
3.7
|
71.8
|
517
|
84,101
|
835,522
|
209,495,728
|
620
|
117,101
|
4
|
76.9
|
3.4
|
59.6
|
517
|
72,526
|
771,785
|
185,105,077
|
672
|
121,656
|
5
|
75.6
|
3.2
|
64.8
|
554
|
84,010
|
721,925
|
165,371,285
|
733
|
129,687
|
6-10
|
79.5
|
1.2
|
72.2
|
4,389
|
559,715
|
3,329,108
|
601,450,070
|
5,523
|
775,379
|
11-15
|
90.7
|
1.0
|
84.8
|
8,435
|
606,283
|
2,763,218
|
278,115,592
|
9,304
|
714,960
|
Total
|
84.9
|
0.7
|
73.9
|
15,013
|
1,496,678
|
10,249,602
|
1,922,391,668
|
17,680
|
2,024,949
|
Select Experience By Issue Age
|
0-4
|
67.1
|
8.6
|
55.0
|
61
|
3,310
|
771,831
|
51,474,636
|
91
|
6,018
|
5-14
|
86.3
|
9.8
|
79.0
|
77
|
5,802
|
519,637
|
45,372,100
|
89
|
7,348
|
15-24
|
96.3
|
6.5
|
97.5
|
221
|
25,847
|
961,120
|
123,854,613
|
230
|
26,514
|
25-34
|
83.5
|
2.8
|
77.9
|
861
|
156,648
|
2,648,994
|
622,641,044
|
1,031
|
201,215
|
35-44
|
88.9
|
1.9
|
80.4
|
2,191
|
355,544
|
2,695,630
|
667,176,188
|
2,464
|
442,284
|
45-54
|
79.2
|
1.4
|
71.3
|
3,349
|
361,929
|
1,722,919
|
311,282,977
|
4,227
|
507,438
|
55-64
|
78.7
|
1.3
|
61.9
|
3,621
|
228,509
|
691,717
|
77,300,419
|
4,599
|
369,170
|
65-74
|
95.5
|
1.6
|
76.4
|
3,451
|
224,491
|
211,467
|
19,508,776
|
3,614
|
293,912
|
75-89
|
88.3
|
2.6
|
78.3
|
1,178
|
133,680
|
26,276
|
3,779,640
|
1,335
|
170,788
|
90+
|
191.2
|
110.4
|
349.1
|
3
|
918
|
10
|
1,275
|
2
|
263
|
Total
|
84.9
|
0.7
|
73.9
|
15,013
|
1,496,678
|
10,249,602
|
1,922,391,668
|
17,680
|
2,024,949
|
Ultimate Experience By Attained Age
|
15-19
|
108.6
|
14.4
|
100.0
|
57
|
2,596
|
287,335
|
14,241,581
|
52
|
2,595
|
20-29
|
95.5
|
6.2
|
86.4
|
239
|
8,716
|
860,384
|
35,117,927
|
250
|
10,086
|
30-39
|
105.9
|
5.0
|
99.7
|
447
|
16,540
|
912,266
|
35,940,941
|
422
|
16,585
|
40-49
|
104.2
|
2.3
|
94.3
|
2,041
|
115,290
|
1,798,230
|
116,717,196
|
1,958
|
122,291
|
50-59
|
91.0
|
1.1
|
83.3
|
6,872
|
315,684
|
2,560,063
|
148,170,775
|
7,548
|
379,057
|
60-69
|
75.6
|
0.7
|
73.9
|
12,411
|
346,115
|
1,852,079
|
64,583,635
|
16,427
|
468,234
|
70-79
|
98.3
|
0.7
|
80.0
|
21,387
|
305,882
|
1,089,468
|
21,568,262
|
21,763
|
382,424
|
80-89
|
110.6
|
0.6
|
94.7
|
38,540
|
463,095
|
664,578
|
9,951,874
|
34,841
|
488,779
|
90-99
|
86.4
|
0.7
|
92.8
|
16,868
|
182,362
|
121,969
|
1,280,991
|
19,526
|
196,437
|
100+
|
25.0
|
0.9
|
74.0
|
703
|
6,861
|
7,730
|
27,643
|
2,806
|
9,268
|
Total
|
94.3
|
0.3
|
84.9
|
99,565
|
1,763,142
|
10,154,103
|
447,600,826
|
105,595
|
2,075,757
|
GRAND TOTAL
|
92.9
|
0.3
|
79.5
|
114,578
|
3,259,820
|
20,403,705
|
2,369,992,495
|
123,275
|
4,100,705
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.1
TOTAL EXPERIENCE -- MALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
96.9
|
8.6
|
45.8
|
128
|
13,033
|
132,340
|
36,389,342
|
132
|
28,467
|
2
|
72.2
|
5.6
|
68.3
|
169
|
32,119
|
121,442
|
32,194,166
|
234
|
46,994
|
3
|
74.9
|
5.4
|
50.8
|
191
|
25,160
|
115,028
|
29,022,638
|
255
|
49,521
|
4
|
76.4
|
5.3
|
61.1
|
204
|
30,915
|
108,703
|
26,010,208
|
267
|
50,558
|
5
|
84.3
|
5.4
|
101.1
|
240
|
52,894
|
104,668
|
23,809,072
|
285
|
52,344
|
6-10
|
86.3
|
2.0
|
75.2
|
1,774
|
230,453
|
535,401
|
97,280,215
|
2,056
|
306,380
|
11-15
|
91.9
|
1.8
|
84.9
|
2,712
|
187,683
|
493,930
|
45,736,859
|
2,950
|
220,984
|
Total
|
87.7
|
1.2
|
75.8
|
5,418
|
572,256
|
1,611,511
|
290,442,498
|
6,179
|
755,248
|
Select Experience By Issue Age
|
0-4
|
74.1
|
37.0
|
113.9
|
4
|
280
|
14,101
|
642,416
|
5
|
246
|
5-14
|
127.3
|
14.1
|
119.3
|
81
|
4,201
|
124,345
|
7,109,064
|
64
|
3,522
|
15-24
|
97.2
|
7.8
|
89.3
|
155
|
14,746
|
187,538
|
20,449,040
|
160
|
16,507
|
25-34
|
81.2
|
4.0
|
80.4
|
404
|
76,470
|
434,418
|
93,029,020
|
498
|
95,159
|
35-44
|
88.9
|
2.7
|
74.1
|
1,089
|
169,476
|
471,159
|
110,779,406
|
1,225
|
228,569
|
45-54
|
84.4
|
2.0
|
75.0
|
1,710
|
196,512
|
285,861
|
49,532,277
|
2,026
|
261,966
|
55-64
|
85.8
|
2.3
|
71.3
|
1,348
|
86,192
|
79,772
|
8,195,101
|
1,570
|
120,804
|
65-74
|
99.7
|
4.1
|
84.6
|
586
|
22,927
|
13,747
|
688,384
|
588
|
27,103
|
75-89
|
97.9
|
15.3
|
105.8
|
41
|
1,452
|
568
|
17,791
|
42
|
1,372
|
90+
|
|
|
|
0
|
0
|
0
|
0
|
0
|
0
|
Total
|
87.7
|
1.2
|
75.8
|
5,418
|
572,256
|
1,611,511
|
290,442,498
|
6,179
|
755,248
|
Ultimate Experience By Attained Age
|
15-19
|
104.9
|
20.2
|
102.5
|
27
|
1,167
|
58,736
|
2,604,067
|
26
|
1,139
|
20-29
|
109.5
|
9.2
|
111.5
|
142
|
5,418
|
180,771
|
6,832,294
|
130
|
4,859
|
30-39
|
97.0
|
7.2
|
88.6
|
181
|
7,027
|
165,481
|
6,974,043
|
187
|
7,929
|
40-49
|
98.1
|
3.9
|
87.9
|
634
|
41,193
|
262,824
|
18,582,053
|
646
|
46,854
|
50-59
|
88.9
|
1.8
|
90.1
|
2,536
|
189,159
|
417,517
|
31,245,536
|
2,852
|
209,974
|
60-69
|
80.5
|
1.2
|
80.5
|
4,502
|
234,108
|
263,603
|
14,372,104
|
5,592
|
290,856
|
70-79
|
88.9
|
1.2
|
85.1
|
5,235
|
153,368
|
117,144
|
3,686,320
|
5,886
|
180,123
|
80-89
|
111.4
|
1.8
|
109.3
|
3,740
|
76,446
|
36,587
|
771,375
|
3,357
|
69,959
|
90-99
|
79.7
|
3.8
|
92.3
|
447
|
5,864
|
2,598
|
31,045
|
561
|
6,350
|
100+
|
16.6
|
6.8
|
7.5
|
6
|
9
|
83
|
256
|
36
|
113
|
Total
|
90.5
|
0.7
|
87.2
|
17,450
|
713,759
|
1,505,343
|
85,099,092
|
19,273
|
818,157
|
GRAND TOTAL
|
89.8
|
0.6
|
81.7
|
22,868
|
1,286,015
|
3,116,855
|
375,541,590
|
25,452
|
1,573,405
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.2
TOTAL EXPERIENCE -- MALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
84.4
|
4.6
|
69.2
|
339
|
100,836
|
664,912
|
281,969,132
|
402
|
145,768
|
2
|
77.7
|
3.8
|
69.8
|
418
|
130,984
|
634,724
|
263,631,103
|
538
|
187,678
|
3
|
86.3
|
3.7
|
72.1
|
533
|
149,914
|
607,921
|
244,641,281
|
618
|
207,806
|
4
|
85.2
|
3.6
|
72.2
|
568
|
156,955
|
567,513
|
220,606,791
|
666
|
217,370
|
5
|
78.7
|
3.3
|
58.1
|
569
|
131,901
|
534,832
|
199,620,209
|
723
|
227,036
|
6-10
|
81.2
|
1.2
|
67.6
|
4,422
|
930,897
|
2,527,736
|
776,551,742
|
5,446
|
1,376,764
|
11-15
|
85.3
|
1.1
|
79.3
|
6,330
|
835,352
|
1,794,983
|
324,288,630
|
7,417
|
1,053,439
|
Total
|
83.4
|
0.7
|
71.3
|
13,179
|
2,436,839
|
7,332,621
|
2,311,308,886
|
15,809
|
3,415,861
|
Select Experience By Issue Age
|
0-4
|
136.0
|
78.5
|
100.0
|
3
|
185
|
5,703
|
478,677
|
2
|
185
|
5-14
|
77.4
|
15.8
|
48.4
|
24
|
1,622
|
55,125
|
6,099,287
|
31
|
3,351
|
15-24
|
85.8
|
5.0
|
80.8
|
295
|
38,804
|
611,833
|
90,120,827
|
344
|
48,043
|
25-34
|
71.4
|
2.5
|
59.8
|
824
|
194,973
|
1,853,342
|
571,566,992
|
1,154
|
326,187
|
35-44
|
84.2
|
1.9
|
74.4
|
1,971
|
582,507
|
2,352,647
|
915,587,501
|
2,342
|
782,445
|
45-54
|
88.3
|
1.5
|
76.0
|
3,326
|
749,317
|
1,633,443
|
549,067,840
|
3,766
|
985,777
|
55-64
|
77.9
|
1.3
|
65.1
|
3,627
|
537,029
|
663,999
|
155,648,385
|
4,654
|
824,922
|
65-74
|
88.5
|
1.7
|
79.7
|
2,638
|
282,863
|
147,250
|
20,899,185
|
2,981
|
354,904
|
75-89
|
88.1
|
4.1
|
55.0
|
469
|
49,404
|
9,265
|
1,839,058
|
532
|
89,787
|
90+
|
64.2
|
45.4
|
51.9
|
2
|
135
|
15
|
1,135
|
3
|
260
|
Total
|
83.4
|
0.7
|
71.3
|
13,179
|
2,436,839
|
7,332,621
|
2,311,308,886
|
15,809
|
3,415,861
|
Ultimate Experience By Attained Age
|
15-19
|
93.5
|
24.1
|
86.3
|
15
|
886
|
36,476
|
2,340,691
|
16
|
1,026
|
20-29
|
86.0
|
9.4
|
78.6
|
83
|
3,891
|
133,904
|
6,915,938
|
97
|
4,953
|
30-39
|
97.8
|
7.0
|
73.6
|
198
|
10,029
|
262,425
|
17,628,344
|
202
|
13,619
|
40-49
|
88.4
|
2.7
|
78.5
|
1,037
|
104,649
|
943,691
|
105,061,045
|
1,174
|
133,265
|
50-59
|
93.0
|
1.6
|
85.5
|
3,425
|
412,420
|
1,454,102
|
190,543,806
|
3,682
|
482,096
|
60-69
|
76.8
|
1.0
|
70.8
|
6,115
|
625,354
|
962,467
|
109,985,568
|
7,964
|
883,589
|
70-79
|
78.7
|
0.8
|
75.3
|
8,668
|
647,814
|
442,573
|
35,423,463
|
11,017
|
860,140
|
80-89
|
90.8
|
0.9
|
77.5
|
10,406
|
579,598
|
170,037
|
11,372,920
|
11,458
|
747,865
|
90-99
|
79.2
|
1.8
|
77.0
|
1,936
|
114,767
|
11,846
|
712,141
|
2,443
|
149,004
|
100+
|
28.6
|
9.5
|
52.0
|
9
|
1,082
|
74
|
5,014
|
31
|
2,080
|
Total
|
83.7
|
0.5
|
76.3
|
31,892
|
2,500,490
|
4,417,596
|
479,988,930
|
38,084
|
3,277,637
|
GRAND TOTAL
|
83.6
|
0.4
|
73.8
|
45,071
|
4,937,329
|
11,750,217
|
2,791,297,817
|
53,893
|
6,693,497
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.3
TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
95.5
|
11.8
|
61.9
|
65
|
15,822
|
177,216
|
47,168,063
|
68
|
25,578
|
2
|
97.0
|
11.8
|
61.4
|
67
|
17,467
|
160,076
|
41,906,829
|
69
|
28,464
|
3
|
96.1
|
11.8
|
44.9
|
66
|
13,040
|
143,072
|
35,974,656
|
69
|
29,048
|
4
|
71.5
|
10.5
|
46.7
|
46
|
12,879
|
126,758
|
30,089,342
|
64
|
27,606
|
5
|
81.3
|
11.3
|
58.8
|
52
|
16,320
|
116,741
|
26,944,876
|
64
|
27,775
|
6-10
|
72.4
|
5.1
|
73.2
|
199
|
49,320
|
464,730
|
62,664,619
|
275
|
67,411
|
11-15
|
102.1
|
5.0
|
108.6
|
411
|
25,637
|
433,885
|
25,774,516
|
403
|
23,601
|
Total
|
89.6
|
3.0
|
65.6
|
906
|
150,484
|
1,622,478
|
270,522,901
|
1,012
|
229,483
|
Select Experience By Issue Age
|
0-4
|
79.4
|
7.9
|
69.2
|
102
|
5,357
|
771,935
|
48,537,274
|
128
|
7,736
|
5-14
|
78.8
|
8.3
|
59.8
|
89
|
5,446
|
361,544
|
32,072,237
|
113
|
9,104
|
15-24
|
107.6
|
15.5
|
152.4
|
48
|
8,668
|
80,298
|
10,851,279
|
45
|
5,689
|
25-34
|
82.7
|
11.0
|
69.3
|
57
|
16,078
|
124,001
|
46,887,198
|
69
|
23,209
|
35-44
|
92.6
|
8.7
|
78.2
|
113
|
37,397
|
147,537
|
69,436,267
|
122
|
47,845
|
45-54
|
77.6
|
6.3
|
62.7
|
152
|
45,793
|
100,966
|
48,429,462
|
196
|
73,029
|
55-64
|
74.5
|
6.2
|
53.7
|
145
|
27,026
|
31,077
|
13,129,252
|
195
|
50,314
|
65-74
|
135.6
|
10.9
|
35.0
|
156
|
4,155
|
4,715
|
1,168,926
|
115
|
11,875
|
75-89
|
152.0
|
22.9
|
82.4
|
44
|
559
|
407
|
11,165
|
29
|
678
|
90+
|
|
|
112.3
|
0
|
3
|
0
|
16
|
0
|
3
|
Total
|
89.6
|
3.0
|
65.6
|
906
|
150,484
|
1,622,480
|
270,523,076
|
1,012
|
229,483
|
Ultimate Experience By Attained Age
|
15-19
|
106.3
|
11.2
|
83.3
|
90
|
3,044
|
202,144
|
8,755,663
|
85
|
3,656
|
20-29
|
91.1
|
4.6
|
77.7
|
387
|
12,210
|
590,809
|
22,062,381
|
425
|
15,720
|
30-39
|
115.9
|
4.9
|
91.4
|
565
|
11,168
|
567,799
|
14,282,224
|
487
|
12,219
|
40-49
|
137.4
|
3.6
|
100.8
|
1,428
|
34,518
|
691,042
|
21,979,207
|
1,039
|
34,252
|
50-59
|
114.4
|
1.5
|
95.7
|
5,950
|
165,171
|
1,321,042
|
44,960,510
|
5,202
|
172,547
|
60-69
|
85.4
|
0.7
|
76.0
|
15,706
|
313,229
|
1,555,870
|
36,378,895
|
18,401
|
412,387
|
70-79
|
87.5
|
0.5
|
78.2
|
33,123
|
444,956
|
1,165,996
|
17,980,869
|
37,838
|
569,043
|
80-89
|
100.9
|
0.4
|
93.4
|
56,229
|
599,215
|
704,119
|
8,272,021
|
55,716
|
641,253
|
90-99
|
72.6
|
0.5
|
81.6
|
18,994
|
173,863
|
114,357
|
974,012
|
26,162
|
213,144
|
100+
|
10.1
|
0.4
|
30.2
|
619
|
3,424
|
14,006
|
26,132
|
6,155
|
11,330
|
Total
|
87.8
|
0.2
|
84.4
|
133,091
|
1,760,799
|
6,927,185
|
175,671,914
|
151,510
|
2,085,552
|
GRAND TOTAL
|
87.9
|
0.2
|
82.6
|
133,997
|
1,911,283
|
8,549,665
|
446,194,990
|
152,521
|
2,315,035
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.4
TOTAL EXPERIENCE -- FEMALE SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
102.4
|
13.9
|
54.8
|
54
|
3,944
|
90,451
|
17,509,374
|
53
|
7,193
|
2
|
66.2
|
7.1
|
61.9
|
86
|
10,420
|
85,878
|
15,933,727
|
130
|
16,828
|
3
|
87.2
|
7.7
|
62.5
|
127
|
11,277
|
83,647
|
14,646,213
|
146
|
18,049
|
4
|
87.3
|
7.5
|
56.8
|
135
|
10,740
|
80,554
|
13,502,880
|
155
|
18,908
|
5
|
77.0
|
6.8
|
61.8
|
128
|
12,555
|
79,073
|
12,638,182
|
166
|
20,320
|
6-10
|
88.3
|
2.7
|
70.8
|
1,085
|
86,930
|
424,975
|
53,142,509
|
1,229
|
122,794
|
11-15
|
101.9
|
2.2
|
94.6
|
2,156
|
105,142
|
470,445
|
32,164,156
|
2,116
|
111,135
|
Total
|
94.4
|
1.5
|
76.5
|
3,771
|
241,008
|
1,315,024
|
159,537,040
|
3,995
|
315,228
|
Select Experience By Issue Age
|
0-4
|
87.0
|
61.5
|
35.9
|
2
|
39
|
13,744
|
643,290
|
2
|
108
|
5-14
|
109.4
|
21.1
|
116.3
|
27
|
1,630
|
117,630
|
6,874,639
|
25
|
1,402
|
15-24
|
98.7
|
13.4
|
96.8
|
54
|
4,714
|
179,914
|
17,135,415
|
55
|
4,868
|
25-34
|
87.6
|
6.3
|
80.4
|
194
|
23,155
|
331,665
|
53,270,080
|
221
|
28,800
|
35-44
|
81.5
|
3.2
|
69.5
|
637
|
59,771
|
343,271
|
50,684,081
|
781
|
86,024
|
45-54
|
80.2
|
2.4
|
60.1
|
1,141
|
66,539
|
235,085
|
24,794,933
|
1,422
|
110,700
|
55-64
|
105.5
|
3.2
|
81.5
|
1,080
|
45,278
|
76,479
|
5,128,267
|
1,023
|
55,550
|
65-74
|
136.5
|
5.8
|
155.8
|
552
|
32,638
|
16,199
|
891,138
|
404
|
20,953
|
75-89
|
139.0
|
15.3
|
105.8
|
83
|
7,194
|
1,036
|
115,097
|
60
|
6,801
|
90+
|
225.2
|
225.2
|
225.2
|
1
|
50
|
2
|
100
|
0
|
22
|
Total
|
94.4
|
1.5
|
76.5
|
3,771
|
241,008
|
1,315,024
|
159,537,040
|
3,995
|
315,228
|
Ultimate Experience By Attained Age
|
15-19
|
150.6
|
37.6
|
123.4
|
16
|
599
|
56,974
|
2,609,166
|
11
|
485
|
20-29
|
102.3
|
14.6
|
100.7
|
49
|
1,823
|
165,144
|
6,306,351
|
48
|
1,810
|
30-39
|
108.6
|
11.6
|
92.4
|
87
|
3,258
|
157,369
|
6,747,879
|
80
|
3,526
|
40-49
|
96.8
|
4.2
|
91.0
|
520
|
29,046
|
289,087
|
17,103,713
|
537
|
31,931
|
50-59
|
81.9
|
2.0
|
79.5
|
1,759
|
84,896
|
378,049
|
19,420,287
|
2,147
|
106,855
|
60-69
|
91.3
|
1.7
|
91.5
|
2,861
|
87,897
|
221,258
|
7,045,119
|
3,134
|
96,030
|
70-79
|
135.2
|
2.2
|
124.3
|
3,750
|
65,835
|
105,663
|
2,031,771
|
2,773
|
52,961
|
80-89
|
147.4
|
2.6
|
148.4
|
3,136
|
50,347
|
38,795
|
636,277
|
2,127
|
33,936
|
90-99
|
107.1
|
4.3
|
164.6
|
626
|
13,001
|
3,858
|
51,365
|
585
|
7,897
|
100+
|
18.5
|
7.6
|
33.7
|
6
|
32
|
95
|
275
|
32
|
95
|
Total
|
111.6
|
1.0
|
100.4
|
12,810
|
336,735
|
1,416,294
|
61,952,204
|
11,474
|
335,527
|
GRAND TOTAL
|
107.2
|
0.8
|
88.8
|
16,581
|
577,743
|
2,731,318
|
221,489,244
|
15,468
|
650,756
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.5
TOTAL EXPERIENCE -- FEMALE NON-SMOKERS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
80.6
|
6.3
|
66.3
|
162
|
30,382
|
686,191
|
198,980,131
|
201
|
45,810
|
2
|
62.7
|
4.1
|
47.4
|
233
|
37,385
|
650,190
|
183,375,235
|
371
|
78,797
|
3
|
81.2
|
4.3
|
76.0
|
357
|
68,343
|
618,733
|
168,684,103
|
440
|
89,894
|
4
|
72.5
|
3.9
|
59.0
|
351
|
55,729
|
573,327
|
150,359,374
|
484
|
94,486
|
5
|
70.6
|
3.6
|
60.4
|
377
|
61,178
|
535,513
|
134,282,869
|
534
|
101,296
|
6-10
|
77.2
|
1.4
|
72.8
|
3,174
|
455,969
|
2,455,356
|
499,452,559
|
4,112
|
626,433
|
11-15
|
85.4
|
1.1
|
83.2
|
5,763
|
487,679
|
1,863,482
|
220,159,199
|
6,748
|
586,186
|
Total
|
80.8
|
0.8
|
73.7
|
10,417
|
1,196,666
|
7,382,791
|
1,555,293,471
|
12,891
|
1,622,902
|
Select Experience By Issue Age
|
0-4
|
320.2
|
184.9
|
167.4
|
3
|
133
|
5,562
|
473,385
|
1
|
80
|
5-14
|
64.5
|
22.8
|
114.1
|
8
|
1,532
|
54,077
|
5,980,772
|
12
|
1,342
|
15-24
|
100.9
|
8.1
|
105.0
|
157
|
20,200
|
700,255
|
95,715,823
|
156
|
19,234
|
25-34
|
81.2
|
3.2
|
76.0
|
625
|
123,037
|
2,181,020
|
526,170,454
|
770
|
161,965
|
35-44
|
92.2
|
2.4
|
82.7
|
1,478
|
278,224
|
2,218,536
|
571,148,701
|
1,603
|
336,508
|
45-54
|
78.7
|
1.7
|
76.1
|
2,104
|
283,934
|
1,414,868
|
265,319,776
|
2,674
|
373,159
|
55-64
|
69.4
|
1.4
|
58.7
|
2,373
|
176,374
|
595,193
|
68,634,171
|
3,417
|
300,325
|
65-74
|
87.4
|
1.7
|
70.0
|
2,680
|
187,400
|
189,170
|
18,217,436
|
3,067
|
267,721
|
75-89
|
83.0
|
2.6
|
77.0
|
988
|
124,973
|
24,103
|
3,631,793
|
1,190
|
162,330
|
90+
|
97.4
|
97.4
|
359.4
|
1
|
858
|
7
|
1,160
|
1
|
239
|
Total
|
80.8
|
0.8
|
73.7
|
10,417
|
1,196,666
|
7,382,791
|
1,555,293,471
|
12,891
|
1,622,902
|
Ultimate Experience By Attained Age
|
15-19
|
149.8
|
47.4
|
122.7
|
10
|
525
|
35,617
|
2,291,701
|
7
|
428
|
20-29
|
93.0
|
15.5
|
88.9
|
36
|
1,771
|
132,621
|
6,879,101
|
39
|
1,993
|
30-39
|
97.2
|
9.2
|
103.0
|
111
|
7,771
|
262,293
|
17,081,790
|
114
|
7,546
|
40-49
|
90.8
|
3.3
|
91.2
|
739
|
65,980
|
944,623
|
83,296,247
|
814
|
72,335
|
50-59
|
89.7
|
2.0
|
84.4
|
2,111
|
167,728
|
1,215,930
|
104,286,780
|
2,355
|
198,613
|
60-69
|
70.9
|
1.3
|
71.0
|
3,111
|
177,546
|
742,379
|
44,620,231
|
4,388
|
249,977
|
70-79
|
80.1
|
1.2
|
64.7
|
4,652
|
146,416
|
372,518
|
14,649,025
|
5,804
|
226,229
|
80-89
|
101.3
|
1.1
|
83.5
|
8,589
|
270,888
|
185,572
|
6,884,082
|
8,483
|
324,284
|
90-99
|
90.2
|
1.8
|
88.4
|
2,618
|
106,837
|
19,499
|
804,448
|
2,904
|
120,904
|
100+
|
86.0
|
14.8
|
121.6
|
34
|
4,222
|
122
|
10,997
|
40
|
3,472
|
Total
|
88.2
|
0.6
|
78.8
|
22,011
|
949,684
|
3,911,174
|
280,804,403
|
24,947
|
1,205,780
|
GRAND TOTAL
|
85.7
|
0.5
|
75.9
|
32,428
|
2,146,350
|
11,293,965
|
1,836,097,873
|
37,838
|
2,828,682
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015
TABLE 8.6
TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS
|
CANADIAN ORDINARY STANDARD EXPERIENCE |
BETWEEN POLICY ANNIVERSARIES IN 2008 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
|
92.2
|
15.6
|
60.8
|
35
|
5,066
|
165,784
|
35,666,200
|
38
|
8,327
|
2
|
89.9
|
16.1
|
30.9
|
31
|
2,845
|
149,551
|
31,389,249
|
34
|
9,211
|
3
|
94.6
|
16.5
|
48.9
|
33
|
4,481
|
133,142
|
26,165,412
|
35
|
9,157
|
4
|
93.9
|
16.9
|
73.3
|
31
|
6,057
|
117,904
|
21,242,823
|
33
|
8,262
|
5
|
148.5
|
21.2
|
127.3
|
49
|
10,277
|
107,339
|
18,450,234
|
33
|
8,071
|
6-10
|
71.3
|
6.3
|
64.3
|
130
|
16,816
|
448,777
|
48,855,002
|
182
|
26,151
|
11-15
|
117.6
|
5.2
|
76.3
|
516
|
13,462
|
429,291
|
25,792,237
|
439
|
17,639
|
Total
|
103.9
|
3.6
|
68.0
|
825
|
59,005
|
1,551,787
|
207,561,157
|
794
|
86,818
|
Select Experience By Issue Age
|
0-4
|
63.9
|
8.5
|
53.8
|
56
|
3,138
|
752,526
|
50,357,961
|
88
|
5,831
|
5-14
|
80.6
|
12.4
|
57.3
|
42
|
2,640
|
347,931
|
32,516,689
|
52
|
4,604
|
15-24
|
51.7
|
16.4
|
38.7
|
10
|
932
|
80,951
|
11,003,375
|
19
|
2,412
|
25-34
|
105.0
|
16.2
|
100.1
|
42
|
10,455
|
136,310
|
43,200,511
|
40
|
10,449
|
35-44
|
96.5
|
11.1
|
88.8
|
76
|
17,549
|
133,823
|
45,343,406
|
79
|
19,753
|
45-54
|
79.8
|
7.8
|
48.6
|
104
|
11,456
|
72,966
|
21,168,267
|
130
|
23,579
|
55-64
|
106.1
|
8.2
|
51.6
|
168
|
6,857
|
20,045
|
3,537,982
|
158
|
13,294
|
65-74
|
153.1
|
10.3
|
85.0
|
219
|
4,453
|
6,098
|
400,202
|
143
|
5,238
|
75-89
|
126.4
|
12.2
|
91.4
|
107
|
1,513
|
1,137
|
32,749
|
85
|
1,656
|
90+
|
1016.0
|
1016.0
|
498.0
|
1
|
10
|
1
|
15
|
0
|
2
|
Total
|
103.9
|
3.6
|
68.0
|
825
|
59,005
|
1,551,787
|
207,561,157
|
794
|
86,818
|
Ultimate Experience By Attained Age
|
15-19
|
88.1
|
15.8
|
87.5
|
31
|
1,472
|
194,744
|
9,340,714
|
35
|
1,682
|
20-29
|
94.1
|
7.6
|
81.5
|
154
|
5,122
|
562,618
|
21,932,475
|
164
|
6,282
|
30-39
|
109.3
|
6.9
|
100.0
|
249
|
5,511
|
492,604
|
12,111,272
|
228
|
5,513
|
40-49
|
128.8
|
4.6
|
112.4
|
782
|
20,264
|
564,521
|
16,317,236
|
607
|
18,026
|
50-59
|
98.5
|
1.8
|
85.7
|
3,002
|
63,059
|
966,083
|
24,463,709
|
3,047
|
73,589
|
60-69
|
72.3
|
0.9
|
66.0
|
6,439
|
80,672
|
888,442
|
12,918,286
|
8,905
|
122,227
|
70-79
|
98.5
|
0.9
|
90.7
|
12,985
|
93,632
|
611,286
|
4,887,466
|
13,186
|
103,233
|
80-89
|
110.7
|
0.7
|
108.7
|
26,815
|
141,861
|
440,211
|
2,431,515
|
24,231
|
130,559
|
90-99
|
85.0
|
0.7
|
92.4
|
13,624
|
62,524
|
98,612
|
425,178
|
16,037
|
67,636
|
100+
|
24.2
|
0.9
|
45.7
|
663
|
2,607
|
7,513
|
16,371
|
2,734
|
5,701
|
Total
|
93.6
|
0.4
|
89.2
|
64,744
|
476,723
|
4,826,635
|
104,844,220
|
69,175
|
534,449
|
GRAND TOTAL
|
93.7
|
0.4
|
86.2
|
65,569
|
535,728
|
6,378,422
|
312,405,377
|
69,969
|
621,267
|
Thomson Data Analysis Tue Jun 16 12:20:08 2015