CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 97-04 TABLES
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE -- FACE SIZE < $10,000
TABLE 1.2 TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
TABLE 1.3 TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
TABLE 1.4 TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
TABLE 1.5 TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
TABLE 1.6 TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
TABLE 1.7 TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
TABLE 2.1 TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
TABLE 2.2 TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
TABLE 2.3 TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
TABLE 2.4 TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
TABLE 2.5 TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
TABLE 2.6 TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
TABLE 2.7 TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
TABLE 2.8 TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
TABLE 2.9 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
TABLE 2.10 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
TABLE 2.11 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
TABLE 2.12 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
TABLE 2.13 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
TABLE 2.14 TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
TABLE 8.1 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
TABLE 8.2 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.3 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.4 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.5 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.6 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.7 TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.8 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.9 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.10 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.11 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.12 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.13 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.14 TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.15 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.16 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.17 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.18 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.19 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.20 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.21 TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
TABLE 8.22 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
TABLE 8.23 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.24 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.25 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.26 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.27 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.28 TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.29 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
TABLE 8.30 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
TABLE 8.31 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
TABLE 8.32 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
TABLE 8.33 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
TABLE 8.34 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
TABLE 8.35 TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
TABLE 8.36 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
TABLE 8.37 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
TABLE 8.38 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
TABLE 8.39 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
TABLE 8.40 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
TABLE 8.41 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
TABLE 8.42 TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER



TABLE 1.1     TOTAL EXPERIENCE -- FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 21.7 21.7 185.4 1 62 10,409 49,790 5 34
2 96.1 34.0 80.4 8 65 9,199 79,703 8 81
3 190.4 55.0 112.7 12 96 6,946 80,487 6 85
4 213.5 55.1 117.1 15 99 6,206 81,704 7 85
5 160.8 48.5 101.1 11 102 4,899 77,094 7 101
6-10 76.3 14.7 79.0 27 653 13,140 382,439 35 827
11-15 110.1 9.5 107.0 133 1,988 14,560 436,076 121 1,858
Total 109.3 7.6 99.9 207 3,065 65,360 1,187,293 189 3,069
Select Experience By Issue Age
0-4 46.0 46.0 92.3 1 30 14,587 235,869 2 32
5-14 158.7 91.7 141.2 3 62 8,221 144,842 2 44
15-24 36.1 36.1 115.0 1 73 7,007 140,602 3 64
25-34 20.9 20.9 78.5 1 94 9,226 187,985 5 120
35-44 146.3 36.6 113.8 16 340 8,690 178,630 11 299
45-54 90.8 16.1 84.1 32 677 9,186 176,139 35 805
55-64 93.5 13.4 82.6 49 727 5,535 90,339 52 879
65-74 127.8 14.8 127.4 75 805 2,570 29,364 59 632
75-89 142.0 26.4 132.4 29 255 337 3,513 20 192
90+ 109.9 0 2 0 10 0 2
Total 109.3 7.6 99.9 207 3,065 65,360 1,187,293 189 3,069
Ultimate Experience By Attained Age
15-19 146.5 146.5 91.1 1 14 2,126 48,611 1 15
20-29 106.4 37.6 130.3 8 110 14,143 160,824 8 84
30-39 129.3 18.9 141.3 47 353 52,691 362,463 36 250
40-49 131.7 10.2 122.1 168 1,011 97,660 624,084 128 828
50-59 117.0 4.4 115.7 719 4,627 166,707 1,103,470 614 3,998
60-69 76.4 1.6 77.5 2,194 12,933 246,757 1,456,785 2,874 16,693
70-79 93.1 1.2 95.5 6,287 32,094 240,248 1,203,792 6,755 33,611
80-89 102.1 0.9 105.9 13,673 59,156 192,527 808,941 13,394 55,884
90-99 77.3 1.0 85.9 6,604 24,509 43,977 149,841 8,544 28,536
100+ 20.0 1.2 34.1 291 859 3,617 6,429 1,453 2,522
Total 88.7 0.5 95.3 29,992 135,665 1,060,455 5,925,241 33,806 142,422
GRAND TOTAL 88.8 0.5 95.4 30,199 138,731 1,125,815 7,112,534 33,995 145,491

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.2     TOTAL EXPERIENCE -- FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 85.2 17.0 71.1 25 546 36,732 1,183,238 29 767
2 95.8 13.4 92.3 51 1,355 36,477 1,225,688 53 1,468
3 99.0 12.6 99.5 62 1,614 35,193 1,156,401 63 1,622
4 67.7 9.8 72.6 48 1,331 36,120 1,194,145 71 1,834
5 75.8 9.8 68.9 60 1,377 35,217 1,140,396 79 1,999
6-10 85.6 3.7 81.9 532 12,492 191,549 5,837,623 622 15,252
11-15 87.0 2.4 81.5 1,285 28,843 275,783 8,076,410 1,477 35,402
Total 86.2 1.9 81.5 2,063 47,557 647,070 19,813,901 2,394 58,344
Select Experience By Issue Age
0-4 51.9 16.4 37.2 10 197 132,696 3,677,506 19 530
5-14 87.7 20.1 77.3 19 428 73,799 1,953,535 22 554
15-24 116.5 19.4 115.5 36 1,238 66,899 2,367,258 31 1,071
25-34 103.2 14.4 88.6 51 1,784 75,702 3,158,991 49 2,014
35-44 110.2 8.9 98.9 152 4,518 78,711 2,889,008 138 4,567
45-54 82.6 4.2 80.8 388 10,057 98,991 2,909,223 470 12,452
55-64 81.8 3.1 76.7 686 14,851 82,811 2,033,658 838 19,353
65-74 86.8 3.6 80.3 580 11,680 34,146 757,897 668 14,551
75-89 89.1 7.5 86.2 141 2,803 3,312 66,815 158 3,250
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 86.2 1.9 81.5 2,063 47,557 647,070 19,813,901 2,394 58,344
Ultimate Experience By Attained Age
15-19 85.8 19.7 88.7 19 542 71,788 1,995,980 22 611
20-29 94.2 8.8 90.5 115 2,780 237,831 6,032,074 122 3,072
30-39 113.6 8.4 111.9 181 4,072 232,684 5,345,535 159 3,638
40-49 105.3 5.7 100.9 338 10,650 242,038 7,976,321 321 10,555
50-59 98.9 2.5 93.4 1,580 48,230 435,085 14,572,661 1,597 51,634
60-69 79.7 1.3 76.6 3,845 96,418 443,405 11,985,015 4,822 125,892
70-79 86.2 1.1 83.0 6,101 124,826 269,558 5,774,154 7,075 150,368
80-89 101.3 1.1 98.7 7,884 147,695 120,954 2,300,299 7,780 149,639
90-99 85.4 1.9 84.3 2,103 39,658 13,148 247,455 2,462 47,016
100+ 50.8 8.2 51.7 38 793 183 3,742 75 1,532
Total 90.9 0.6 87.4 22,204 475,662 2,066,674 56,233,235 24,436 543,956
GRAND TOTAL 90.4 0.6 86.9 24,267 523,219 2,713,743 76,047,136 26,830 602,300

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.3     TOTAL EXPERIENCE -- FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 90.5 20.8 80.8 19 1,063 42,419 2,700,961 21 1,316
2 70.8 14.4 82.2 24 1,794 39,688 2,565,165 34 2,182
3 61.8 12.6 67.3 24 1,657 35,339 2,262,754 39 2,461
4 70.0 12.6 74.8 31 2,054 34,581 2,228,680 44 2,746
5 86.1 13.4 82.1 41 2,432 33,835 2,150,254 48 2,962
6-10 80.3 4.7 83.9 289 18,919 167,412 10,605,777 360 22,554
11-15 80.4 3.5 79.1 528 32,206 201,259 12,420,392 656 40,719
Total 79.5 2.6 80.2 956 60,125 554,532 34,933,982 1,202 74,939
Select Experience By Issue Age
0-4 91.8 30.6 96.8 9 551 68,750 4,000,648 10 569
5-14 102.6 28.5 99.5 13 721 45,322 2,629,593 13 725
15-24 110.5 18.7 119.7 35 2,253 72,221 4,336,201 32 1,882
25-34 81.7 11.2 85.4 53 3,687 108,704 7,215,594 65 4,318
35-44 89.7 7.8 92.9 133 9,051 104,076 6,965,482 148 9,737
45-54 76.3 4.8 78.2 251 16,022 94,851 6,078,485 329 20,498
55-64 71.6 4.5 72.4 259 15,898 47,867 2,933,955 362 21,963
65-74 81.5 6.4 77.3 162 9,521 11,941 722,617 199 12,309
75-89 89.3 14.1 80.6 40 2,337 797 51,197 45 2,898
90+ 171.7 171.7 216.0 1 85 3 210 1 39
Total 79.5 2.6 80.2 956 60,125 554,532 34,933,982 1,202 74,939
Ultimate Experience By Attained Age
15-19 86.3 35.2 90.0 6 402 22,915 1,492,364 7 447
20-29 100.4 16.7 98.9 36 2,276 71,879 4,656,755 36 2,300
30-39 87.9 13.9 80.9 40 2,233 67,389 4,094,604 46 2,759
40-49 95.3 7.2 91.6 175 11,387 141,779 9,535,773 184 12,430
50-59 84.6 3.3 83.2 669 45,908 242,410 17,079,467 791 55,171
60-69 76.0 2.3 74.3 1,080 69,257 153,119 10,068,202 1,421 93,187
70-79 75.7 2.6 75.6 848 54,420 46,727 2,955,800 1,120 71,998
80-89 86.3 3.1 86.4 767 51,281 13,883 911,767 888 59,360
90-99 76.7 5.1 76.7 224 15,043 1,569 104,409 292 19,617
100+ 46.7 23.3 49.9 4 280 21 1,400 9 561
Total 80.3 1.3 79.4 3,849 252,486 761,692 50,900,542 4,793 317,830
GRAND TOTAL 80.2 1.2 79.6 4,805 312,611 1,316,224 85,834,524 5,995 392,769

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.4     TOTAL EXPERIENCE -- FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 12.0 73.8 39 5,750 112,800 17,768,825 52 7,795
2 69.9 9.0 60.9 60 7,720 112,267 17,457,264 86 12,673
3 72.2 8.2 75.9 78 11,887 113,671 17,398,558 108 15,662
4 65.7 7.5 71.4 76 11,990 106,387 16,401,289 116 16,785
5 72.0 7.7 71.6 88 12,573 101,721 15,519,277 122 17,554
6-10 69.6 2.9 71.5 574 83,902 469,193 70,178,604 825 117,325
11-15 75.6 2.7 76.3 756 103,490 381,484 52,309,246 1,000 135,614
Total 72.4 1.8 73.4 1,671 237,312 1,397,523 207,033,062 2,309 323,408
Select Experience By Issue Age
0-4 58.1 26.0 67.8 5 704 63,019 7,615,985 9 1,039
5-14 42.0 17.2 34.3 6 600 57,811 7,114,263 14 1,749
15-24 82.3 12.0 90.4 47 6,671 140,754 18,512,027 57 7,380
25-34 77.2 6.1 79.4 159 25,312 362,945 57,851,877 206 31,876
35-44 82.3 4.3 86.4 370 58,019 382,799 60,314,149 449 67,140
45-54 70.6 3.2 69.3 490 66,773 275,292 40,111,589 694 96,406
55-64 63.5 3.4 64.3 352 47,249 98,362 13,305,949 555 73,481
65-74 70.5 5.5 67.6 166 21,556 15,159 2,015,939 235 31,889
75-89 84.5 9.7 84.1 76 10,428 1,381 191,153 90 12,406
90+ 0.0 0.0 0.0 0 0 1 130 0 43
Total 72.4 1.8 73.4 1,671 237,312 1,397,523 207,033,062 2,309 323,408
Ultimate Experience By Attained Age
15-19 92.7 53.5 113.8 3 483 10,767 1,419,102 3 424
20-29 91.9 26.5 99.9 12 1,700 26,302 3,443,406 13 1,702
30-39 119.5 20.8 113.2 33 3,741 41,376 4,952,301 28 3,305
40-49 90.5 6.3 90.8 207 26,880 183,684 23,722,242 229 29,592
50-59 79.1 3.1 79.6 654 86,590 289,478 38,335,680 827 108,845
60-69 68.9 2.5 66.9 758 96,421 131,512 17,179,543 1,100 144,072
70-79 66.5 3.0 67.2 480 64,755 30,970 4,089,950 722 96,396
80-89 86.8 3.6 85.7 577 78,712 10,477 1,436,226 664 91,872
90-99 80.3 6.0 81.5 177 24,625 1,207 163,799 220 30,215
100+ 59.5 34.4 84.5 3 546 13 1,726 5 646
Total 76.2 1.4 75.8 2,904 384,454 725,786 94,743,975 3,812 507,071
GRAND TOTAL 74.7 1.1 74.9 4,575 621,766 2,123,309 301,777,038 6,121 830,479

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.5     TOTAL EXPERIENCE -- FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 51.4 11.5 52.5 20 6,565 95,012 31,464,183 39 12,499
2 42.8 8.7 48.6 24 8,710 89,447 29,323,649 56 17,919
3 68.4 10.0 68.7 47 14,964 89,877 29,201,759 69 21,772
4 79.2 10.7 72.8 55 15,949 81,801 26,446,903 69 21,917
5 62.3 9.3 64.1 45 14,554 77,644 24,848,519 72 22,722
6-10 68.3 4.1 68.5 284 87,605 304,391 94,614,045 416 127,804
11-15 81.2 5.7 81.0 201 62,271 100,021 30,893,781 248 76,867
Total 69.8 2.7 69.9 676 210,618 838,194 266,792,838 969 301,500
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8,798 2,595,674 1 345
5-14 171.9 85.9 201.6 4 1,388 9,849 2,905,064 2 689
15-24 38.2 15.6 45.2 6 2,100 43,517 12,934,098 16 4,649
25-34 66.2 7.4 68.0 81 26,890 258,695 84,458,754 122 39,518
35-44 75.5 5.4 73.6 194 59,885 300,224 97,020,490 257 81,401
45-54 68.4 4.8 68.5 207 63,463 173,897 53,701,174 303 92,647
55-64 58.6 5.8 59.6 102 31,636 38,547 11,724,135 174 53,041
65-74 93.4 12.2 94.3 59 18,550 4,147 1,285,221 63 19,663
75-89 76.5 16.0 70.2 23 6,706 518 168,227 30 9,549
90+ 0 0 0 0 0 0
Total 69.8 2.7 69.9 676 210,618 838,194 266,792,838 969 301,500
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,243 407,940 0 125
20-29 66.6 66.6 54.4 1 261 2,929 942,745 2 480
30-39 119.2 68.8 125.3 3 943 3,878 1,156,354 3 753
40-49 61.5 15.9 59.2 15 4,423 19,462 5,947,303 24 7,475
50-59 60.7 7.7 57.5 62 18,279 37,822 11,745,204 102 31,809
60-69 69.3 6.5 67.9 114 35,110 19,777 6,181,463 164 51,707
70-79 62.5 6.9 64.7 81 27,047 5,455 1,742,958 130 41,802
80-89 75.8 7.8 80.4 94 32,944 1,956 639,639 124 40,952
90-99 67.5 14.4 75.7 22 8,248 188 62,397 33 10,903
100+ 0.0 0.0 0.0 0 0 1 400 0 161
Total 67.4 3.4 68.4 392 127,255 92,710 28,826,404 582 186,165
GRAND TOTAL 68.9 2.1 69.3 1,068 337,873 930,904 295,619,242 1,551 487,665

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.6     TOTAL EXPERIENCE -- FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 48.6 14.0 41.4 12 6,156 67,829 41,102,860 25 14,872
2 56.3 12.9 52.0 19 10,550 62,380 37,581,329 34 20,269
3 67.0 13.1 63.4 26 14,691 59,991 35,835,490 39 23,174
4 59.0 12.3 58.0 23 13,464 52,664 31,272,342 39 23,218
5 68.8 12.8 66.8 29 16,661 48,876 28,886,674 42 24,946
6-10 67.9 5.9 66.9 134 77,200 149,092 86,900,964 197 115,341
11-15 71.9 8.2 68.6 77 42,694 37,355 21,546,624 107 62,238
Total 66.3 3.7 63.9 320 181,416 478,187 283,126,284 483 284,059
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2,541 1,555,482 0 203
5-14 120.9 120.9 99.2 1 500 3,454 2,127,712 1 504
15-24 175.1 55.4 156.2 10 5,000 16,301 9,131,903 6 3,201
25-34 74.7 10.6 70.8 50 27,890 156,046 91,969,593 67 39,412
35-44 72.3 7.2 70.0 102 58,465 193,387 115,538,130 141 83,565
45-54 61.8 6.6 59.0 87 48,663 87,144 51,391,129 141 82,415
55-64 48.8 7.7 48.7 40 23,508 17,050 10,062,025 82 48,255
65-74 59.3 14.0 57.8 18 10,483 1,990 1,190,819 30 18,145
75-89 82.0 23.7 82.6 12 6,907 275 159,492 15 8,358
90+ 0 0 0 0 0 0
Total 66.3 3.7 63.9 320 181,416 478,187 283,126,284 483 284,059
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 214 133,272 0 40
20-29 0.0 0.0 0.0 0 0 573 363,762 0 187
30-39 165.6 165.6 167.6 1 600 915 544,092 1 358
40-49 34.1 24.1 29.8 2 1,000 4,524 2,579,195 6 3,354
50-59 72.4 14.8 70.6 24 13,560 12,053 6,976,245 33 19,218
60-69 58.8 9.4 59.9 39 23,457 7,875 4,624,140 66 39,162
70-79 41.2 8.4 39.0 24 13,739 2,453 1,467,175 58 35,228
80-89 85.5 12.2 82.6 49 28,673 897 540,571 57 34,709
90-99 65.2 20.6 67.9 10 6,503 83 52,527 15 9,576
100+ 101.2 71.5 100.8 2 1,021 6 3,068 2 1,013
Total 63.1 5.1 62.0 151 88,554 29,594 17,284,045 239 142,847
GRAND TOTAL 65.2 3.0 63.2 471 269,970 507,781 300,410,329 722 426,905

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 1.7     TOTAL EXPERIENCE -- FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 47.0 19.2 52.9 6 11,925 29,642 48,312,388 13 22,524
2 80.8 21.6 80.6 14 24,750 26,406 42,351,323 17 30,712
3 55.7 16.8 46.0 11 16,312 24,243 39,726,143 20 35,461
4 36.5 13.8 23.1 7 7,500 20,398 31,657,751 19 32,532
5 79.0 19.8 58.8 16 20,881 18,568 29,918,398 20 35,522
6-10 64.7 8.4 59.1 60 94,094 53,541 82,739,446 93 159,285
11-15 61.9 10.5 55.6 35 53,135 14,538 23,342,844 57 95,600
Total 62.5 5.1 55.5 149 228,597 187,337 298,048,294 239 411,635
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 868 1,697,520 0 213
5-14 0.0 0.0 0.0 0 0 1,233 2,794,244 0 645
15-24 344.0 153.8 185.0 5 5,017 3,560 6,481,297 1 2,711
25-34 79.3 19.8 63.3 16 18,074 44,801 62,502,258 20 28,570
35-44 61.2 10.1 53.0 37 49,868 81,550 126,031,666 60 94,159
45-54 69.3 9.8 66.8 50 82,409 43,472 75,134,355 72 123,395
55-64 45.1 9.6 35.6 22 32,500 10,085 19,678,996 49 91,288
65-74 47.9 14.4 51.6 11 23,604 1,520 3,142,706 23 45,768
75-89 65.5 23.2 68.8 8 17,125 248 585,253 12 24,886
90+ 0 0 0 0 0 0
Total 62.5 5.1 55.5 149 228,597 187,337 298,048,294 239 411,635
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 54 93,332 0 28
20-29 0.0 0.0 0.0 0 0 203 347,431 0 178
30-39 0.0 0.0 0.0 0 0 355 572,631 0 385
40-49 52.4 52.4 33.2 1 1,000 1,485 2,425,148 2 3,014
50-59 55.6 21.0 49.6 7 9,549 4,516 6,905,319 13 19,241
60-69 52.7 13.2 44.3 16 21,208 3,511 5,463,655 30 47,904
70-79 70.1 14.3 70.3 24 40,897 1,422 2,393,191 34 58,199
80-89 62.6 12.8 64.9 24 45,264 618 1,132,833 38 69,793
90-99 51.9 23.2 88.1 5 16,065 52 97,741 10 18,228
100+ 0 0 0 0 0 0
Total 60.4 6.9 61.8 77 133,982 12,216 19,431,280 127 216,969
GRAND TOTAL 61.7 4.1 57.7 226 362,579 199,553 317,479,575 366 628,604

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.1     TOTAL EXPERIENCE -- MALES, FACE SIZE < $10,000
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 34.3 34.3 250.6 1 56 5,354 25,168 3 22
2 102.7 45.9 90.9 5 45 4,731 40,388 5 50
3 245.5 81.8 108.7 9 58 3,623 40,243 4 53
4 149.4 61.0 79.6 6 40 3,214 40,747 4 50
5 54.2 38.3 48.8 2 30 2,566 39,819 4 61
6-10 79.6 20.6 83.8 15 395 6,977 197,837 19 471
11-15 104.4 13.5 107.2 60 1,036 7,034 215,236 57 966
Total 102.7 10.4 99.2 98 1,659 33,501 599,437 95 1,674
Select Experience By Issue Age
0-4 77.8 77.8 143.2 1 30 8,213 135,308 1 21
5-14 144.6 102.2 122.8 2 40 4,606 79,387 1 33
15-24 46.5 46.5 125.3 1 59 3,845 72,857 2 47
25-34 31.2 31.2 103.8 1 77 4,752 90,309 3 74
35-44 101.1 41.3 85.5 6 135 4,181 83,227 6 157
45-54 85.1 22.0 90.1 15 372 4,244 80,330 18 413
55-64 97.1 18.7 84.3 27 414 2,457 42,458 28 491
65-74 120.5 20.4 120.2 35 417 1,093 13,937 29 347
75-89 143.2 45.3 128.3 10 115 110 1,618 7 90
90+ 105.1 0 1 0 7 0 1
Total 102.7 10.4 99.2 98 1,659 33,501 599,437 95 1,674
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,148 25,413 0 11
20-29 144.2 51.0 133.0 8 83 7,565 86,212 6 62
30-39 152.1 25.3 151.0 36 251 26,814 188,291 24 166
40-49 132.5 13.0 120.7 104 605 51,974 328,296 78 501
50-59 122.3 5.9 115.8 425 2,543 86,465 549,445 347 2,197
60-69 82.2 2.2 82.8 1,365 8,261 130,858 789,911 1,661 9,978
70-79 88.8 1.4 90.4 4,029 21,292 136,775 722,262 4,537 23,551
80-89 97.7 1.1 101.8 8,323 37,888 105,110 467,903 8,515 37,202
90-99 72.2 1.2 81.3 3,455 13,431 20,869 74,324 4,786 16,519
100+ 13.9 1.3 23.5 123 355 2,038 3,485 887 1,506
Total 85.7 0.6 92.4 17,868 84,709 569,617 3,235,540 20,841 91,694
GRAND TOTAL 85.8 0.6 92.5 17,966 86,369 603,117 3,834,977 20,936 93,367

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.2     TOTAL EXPERIENCE -- MALES, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 106.7 25.2 94.8 18 426 17,203 558,735 17 449
2 108.5 19.8 105.1 30 842 17,207 591,708 28 802
3 104.0 18.1 95.4 33 822 16,442 546,919 32 862
4 83.2 15.5 76.4 29 716 16,773 563,392 35 937
5 89.5 15.1 84.1 35 862 16,225 532,995 39 1,025
6-10 86.7 5.3 87.4 265 6,827 87,870 2,709,410 306 7,811
11-15 89.8 3.5 84.2 653 15,326 124,593 3,700,701 727 18,195
Total 89.8 2.8 85.8 1,063 25,820 296,313 9,203,861 1,183 30,081
Select Experience By Issue Age
0-4 68.2 24.1 44.6 8 139 67,381 1,813,117 12 313
5-14 98.0 25.3 88.9 15 342 37,978 983,661 15 385
15-24 135.9 24.8 135.1 30 1,023 33,128 1,161,101 22 757
25-34 105.8 19.0 94.6 31 1,139 35,014 1,478,877 29 1,205
35-44 103.4 12.4 88.5 70 2,063 35,040 1,322,039 68 2,330
45-54 87.4 6.3 84.2 193 5,178 39,812 1,241,918 221 6,152
55-64 84.8 4.5 81.9 357 8,354 33,025 862,019 421 10,203
65-74 90.2 5.2 85.0 304 6,410 13,841 318,958 337 7,544
75-89 95.0 12.8 98.4 55 1,171 1,092 22,161 58 1,190
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 89.8 2.8 85.8 1,063 25,820 296,313 9,203,861 1,183 30,081
Ultimate Experience By Attained Age
15-19 76.0 21.9 70.7 12 305 37,081 1,013,132 16 431
20-29 90.5 10.1 89.6 80 1,991 122,657 3,099,088 88 2,222
30-39 117.5 10.4 112.9 128 2,790 122,329 2,792,435 109 2,470
40-49 105.4 7.5 97.1 197 5,932 122,419 3,987,261 187 6,111
50-59 105.1 3.4 96.3 942 29,097 220,562 7,709,793 896 30,223
60-69 81.7 1.6 77.7 2,513 64,892 249,639 7,069,044 3,075 83,486
70-79 82.0 1.3 79.7 4,130 89,033 160,090 3,652,447 5,037 111,776
80-89 97.2 1.3 95.7 5,300 105,947 72,166 1,477,792 5,453 110,683
90-99 82.0 2.2 81.5 1,349 26,908 7,683 154,128 1,644 33,021
100+ 42.9 8.6 41.0 25 474 136 2,690 58 1,158
Total 88.6 0.7 85.8 14,676 327,370 1,114,761 30,957,811 16,564 381,582
GRAND TOTAL 88.7 0.7 85.8 15,739 353,189 1,411,074 40,161,671 17,748 411,663

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.3     TOTAL EXPERIENCE -- MALES, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 78.0 24.7 65.8 10 531 19,842 1,272,870 13 807
2 47.7 15.9 52.1 9 645 18,636 1,224,484 19 1,239
3 69.7 18.0 75.3 15 1,041 16,650 1,079,603 22 1,383
4 62.1 16.0 59.0 15 894 16,104 1,047,360 24 1,515
5 87.3 18.2 89.5 23 1,477 15,836 1,011,269 26 1,651
6-10 87.1 6.6 92.3 173 11,572 78,741 5,029,060 199 12,534
11-15 79.9 4.7 79.9 284 17,766 93,168 5,809,502 355 22,224
Total 80.4 3.5 82.0 529 33,926 258,977 16,474,148 658 41,352
Select Experience By Issue Age
0-4 102.7 41.9 105.6 6 353 34,962 2,007,693 6 335
5-14 79.7 30.1 84.1 7 421 22,834 1,321,392 9 501
15-24 115.0 23.0 131.1 25 1,702 34,001 2,053,433 22 1,298
25-34 71.6 13.8 75.1 27 1,905 48,334 3,256,642 38 2,535
35-44 82.5 10.3 82.8 64 4,319 46,468 3,190,560 78 5,216
45-54 86.1 6.9 87.6 154 9,904 43,583 2,857,621 179 11,311
55-64 70.4 5.8 72.0 148 9,287 23,246 1,451,494 210 12,904
65-74 83.4 9.0 82.2 86 5,216 5,318 320,439 103 6,345
75-89 81.6 24.6 83.5 11 734 228 14,739 13 880
90+ 231.6 231.6 302.9 1 85 2 135 0 28
Total 80.4 3.5 82.0 529 33,926 258,977 16,474,148 658 41,352
Ultimate Experience By Attained Age
15-19 103.8 46.4 92.5 5 279 11,269 703,879 5 302
20-29 118.2 21.6 118.3 30 1,907 35,583 2,260,701 25 1,612
30-39 90.1 17.3 80.1 27 1,461 33,624 2,055,814 30 1,823
40-49 90.6 9.7 86.5 88 5,862 64,134 4,450,149 97 6,775
50-59 90.6 4.5 87.9 412 29,176 123,162 9,151,606 455 33,183
60-69 76.8 2.8 74.6 752 49,493 91,048 6,268,602 979 66,342
70-79 73.7 2.9 73.3 652 42,623 32,146 2,099,383 885 58,122
80-89 87.6 3.6 87.1 582 39,691 9,283 630,774 665 45,573
90-99 75.9 6.4 76.4 142 10,018 879 61,666 187 13,112
100+ 43.2 25.0 51.7 3 224 16 1,002 7 433
Total 80.8 1.6 79.5 2,693 180,732 401,143 27,683,575 3,334 227,278
GRAND TOTAL 80.7 1.4 79.9 3,222 214,658 660,120 44,157,722 3,992 268,631

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.4     TOTAL EXPERIENCE -- MALES, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 78.9 15.2 69.0 27 3,570 53,986 8,530,621 34 5,178
2 76.4 12.2 64.5 39 4,923 53,306 8,356,572 51 7,630
3 68.6 10.5 71.5 43 6,579 53,614 8,286,785 63 9,207
4 63.4 9.7 69.1 43 6,864 49,854 7,773,881 68 9,934
5 66.9 9.7 64.5 48 6,746 47,806 7,377,546 72 10,454
6-10 67.1 3.7 69.6 322 47,989 224,658 34,118,203 480 68,978
11-15 76.4 3.7 75.3 433 58,529 187,351 26,248,616 566 77,712
Total 71.6 2.3 71.5 955 135,200 670,575 100,692,224 1,334 189,092
Select Experience By Issue Age
0-4 62.3 36.0 68.8 3 400 30,778 3,715,621 5 581
5-14 30.7 17.7 25.1 3 300 29,128 3,572,579 10 1,197
15-24 77.4 13.9 86.7 31 4,476 66,766 8,719,333 40 5,164
25-34 69.9 7.6 66.7 85 12,765 160,190 25,989,398 122 19,145
35-44 77.5 5.5 82.0 199 32,159 181,875 29,360,933 257 39,198
45-54 75.1 4.3 71.9 309 41,746 139,661 20,810,438 411 58,099
55-64 63.8 4.3 64.3 224 30,216 54,470 7,502,994 351 47,006
65-74 70.6 7.8 67.5 83 10,691 7,402 979,223 117 15,841
75-89 87.3 20.6 86.8 18 2,446 303 41,576 21 2,819
90+ 0.0 0.0 0.0 0 0 1 130 0 43
Total 71.6 2.3 71.5 955 135,200 670,575 100,692,224 1,334 189,092
Ultimate Experience By Attained Age
15-19 135.5 78.2 132.1 3 380 5,171 671,730 2 288
20-29 86.7 30.7 90.2 8 1,082 12,947 1,685,173 9 1,199
30-39 110.4 24.7 109.4 20 2,381 20,955 2,522,915 18 2,175
40-49 94.9 8.3 96.4 131 17,429 94,648 12,385,576 138 18,083
50-59 82.2 3.9 81.0 454 59,906 173,680 23,466,076 552 73,938
60-69 69.9 2.9 66.5 586 74,296 89,835 12,013,274 838 111,742
70-79 68.5 3.4 68.7 404 54,698 22,660 3,045,202 589 79,586
80-89 89.4 4.4 87.5 422 57,813 6,671 927,747 472 66,106
90-99 72.9 7.5 74.4 94 13,726 608 86,883 129 18,443
100+ 33.1 33.1 29.6 1 100 7 780 3 337
Total 77.2 1.7 75.8 2,123 281,810 427,183 56,805,355 2,752 371,897
GRAND TOTAL 75.3 1.4 74.3 3,078 417,010 1,097,759 157,497,579 4,085 560,989

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.5     TOTAL EXPERIENCE -- MALES, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 62.5 15.1 59.2 17 5,215 47,351 15,830,938 27 8,803
2 55.3 12.4 63.8 20 7,410 44,666 14,802,491 36 11,606
3 63.8 12.1 67.0 28 9,399 44,950 14,814,005 44 14,025
4 85.3 13.8 74.8 38 10,629 41,163 13,502,808 45 14,216
5 62.9 11.7 57.5 29 8,425 39,050 12,710,492 46 14,641
6-10 67.9 5.0 67.2 182 55,881 159,444 50,408,654 268 83,143
11-15 77.2 7.0 75.7 122 37,476 58,199 18,311,742 158 49,514
Total 69.9 3.3 68.6 436 134,434 434,823 140,381,129 624 195,948
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,273 1,256,437 1 189
5-14 251.5 125.8 295.1 4 1,388 4,952 1,455,285 2 470
15-24 44.8 20.0 55.8 5 1,850 20,271 6,049,593 11 3,313
25-34 61.7 8.9 61.8 48 15,768 120,816 40,212,777 78 25,499
35-44 76.4 6.9 71.2 124 37,224 155,789 51,337,884 162 52,315
45-54 71.1 5.9 71.1 144 44,553 100,900 31,553,740 203 62,644
55-64 65.5 7.2 67.5 82 25,786 25,376 7,764,765 125 38,198
65-74 68.6 14.0 60.6 24 6,565 2,331 713,200 35 10,835
75-89 63.3 28.3 52.3 5 1,300 115 37,448 8 2,485
90+ 0 0 0 0 0 0
Total 69.9 3.3 68.6 436 134,434 434,823 140,381,129 624 195,948
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 645 203,227 0 88
20-29 0.0 0.0 0.0 0 0 1,534 487,230 1 348
30-39 56.9 56.9 48.1 1 253 2,112 630,462 2 526
40-49 67.7 19.5 61.1 12 3,332 12,490 3,842,935 18 5,455
50-59 62.6 8.8 58.3 50 14,608 27,566 8,634,529 80 25,062
60-69 69.5 7.1 67.6 97 29,808 15,635 4,926,174 139 44,108
70-79 62.3 7.5 64.6 69 23,229 4,302 1,385,243 111 35,931
80-89 73.6 8.9 77.6 68 24,022 1,304 435,415 92 30,967
90-99 58.4 17.6 76.1 11 4,779 94 31,175 19 6,276
100+ 0.0 0.0 0.0 0 0 1 400 0 161
Total 66.6 3.8 67.2 308 100,031 65,683 20,576,791 463 148,923
GRAND TOTAL 68.5 2.5 68.0 744 234,465 500,506 160,957,920 1,087 344,871

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.6     TOTAL EXPERIENCE -- MALES, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 59.2 17.8 50.3 11 5,656 37,269 22,806,789 19 11,252
2 58.6 15.7 55.8 14 8,050 34,454 21,031,562 24 14,420
3 65.7 15.5 62.3 18 10,271 33,239 20,185,016 27 16,492
4 72.7 16.2 69.8 20 11,530 29,505 17,835,437 28 16,528
5 69.7 15.2 66.2 21 11,900 28,150 16,949,344 30 17,974
6-10 65.7 6.8 65.5 94 55,250 91,666 54,335,266 143 84,342
11-15 64.7 9.2 62.9 49 27,917 25,581 14,931,202 76 44,399
Total 65.6 4.4 63.6 227 130,574 279,862 168,074,616 346 205,407
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,271 763,090 0 114
5-14 177.0 177.0 145.9 1 500 1,730 1,063,273 1 343
15-24 167.3 63.2 148.3 7 3,500 7,878 4,458,472 4 2,360
25-34 73.0 12.5 69.8 34 19,385 80,437 48,300,775 47 27,761
35-44 69.6 8.3 68.5 70 41,310 115,141 69,825,779 101 60,312
45-54 63.8 7.7 61.0 68 38,295 59,309 35,316,688 107 62,791
55-64 52.3 9.0 52.5 34 20,078 12,860 7,612,731 65 38,271
65-74 51.2 17.1 46.7 9 4,900 1,162 689,204 18 10,486
75-89 81.2 40.6 87.7 4 2,606 74 44,604 5 2,971
90+ 0 0 0 0 0 0
Total 65.6 4.4 63.6 227 130,574 279,862 168,074,616 346 205,407
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 100 63,428 0 27
20-29 0.0 0.0 0.0 0 0 301 188,820 0 137
30-39 0.0 0.0 0.0 0 0 528 310,501 0 258
40-49 42.5 30.1 37.0 2 1,000 3,319 1,903,746 5 2,700
50-59 68.6 15.7 67.3 19 10,829 9,521 5,537,447 28 16,096
60-69 54.8 9.7 53.8 32 18,567 6,602 3,884,237 58 34,533
70-79 37.2 8.5 36.0 19 11,136 2,006 1,203,386 51 30,891
80-89 78.6 13.3 76.4 35 20,661 628 380,649 45 27,036
90-99 60.5 24.7 59.6 6 3,584 47 28,674 10 6,017
100+ 0.0 0.0 0.0 0 0 2 1,047 1 421
Total 57.1 5.4 55.7 113 65,776 23,054 13,501,936 198 118,117
GRAND TOTAL 62.5 3.4 60.7 340 196,350 302,916 181,576,553 544 323,525

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.7     TOTAL EXPERIENCE -- MALES, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 46.7 20.9 54.8 5 10,425 20,561 34,874,612 11 19,026
2 101.4 27.1 92.5 14 22,750 18,422 30,803,310 14 24,593
3 38.4 15.7 27.0 6 7,512 17,086 29,161,361 16 27,803
4 25.9 13.0 16.8 4 4,500 14,573 23,604,244 15 26,724
5 85.6 22.9 64.2 14 18,517 13,514 22,328,944 16 28,864
6-10 68.5 9.6 57.3 51 73,508 40,463 64,009,500 74 128,232
11-15 56.8 11.6 53.7 24 37,504 11,177 17,687,667 42 69,788
Total 62.6 5.8 53.8 118 174,715 135,797 222,469,638 189 325,029
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 428 801,893 0 117
5-14 0.0 0.0 0.0 0 0 631 1,328,693 0 417
15-24 332.6 166.3 176.2 4 4,017 2,199 4,138,747 1 2,280
25-34 86.6 23.2 69.3 14 16,074 29,238 42,094,605 16 23,199
35-44 64.8 11.5 54.1 32 42,368 59,318 94,867,786 49 78,263
45-54 70.6 10.8 71.2 43 74,745 34,739 61,255,809 61 104,930
55-64 46.6 10.7 38.8 19 29,500 8,173 15,860,847 41 76,102
65-74 39.6 16.2 28.3 6 8,012 994 1,900,500 15 28,281
75-89 0.0 0.0 0.0 0 0 76 220,758 5 11,440
90+ 0 0 0 0 0 0
Total 62.6 5.8 53.8 118 174,715 135,797 222,469,638 189 325,029
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 28 44,632 0 19
20-29 0.0 0.0 0.0 0 0 111 188,578 0 132
30-39 0.0 0.0 0.0 0 0 201 319,779 0 273
40-49 65.8 65.8 44.4 1 1,000 1,094 1,650,041 2 2,251
50-59 55.6 22.7 52.0 6 8,500 3,731 5,638,136 11 16,347
60-69 44.4 12.8 35.4 12 15,174 2,988 4,680,200 27 42,891
70-79 76.5 15.9 77.4 23 38,897 1,179 1,944,059 30 50,269
80-89 57.7 14.0 63.7 17 34,841 440 830,953 29 54,675
90-99 40.4 23.3 94.9 3 12,065 37 59,523 7 12,719
100+ 0 0 0 0 0 0
Total 58.2 7.4 61.5 62 110,477 9,810 15,355,901 107 179,575
GRAND TOTAL 61.0 4.5 56.5 180 285,192 145,607 237,825,539 295 504,604

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.8     TOTAL EXPERIENCE -- FEMALES, FACE SIZE < $10,000
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 54.9 0 6 5,055 24,622 2 11
2 86.7 50.1 63.7 3 20 4,468 39,316 3 31
3 113.7 65.7 119.5 3 38 3,322 40,244 3 32
4 299.2 99.7 171.9 9 59 2,991 40,958 3 34
5 285.7 95.2 180.0 9 72 2,333 37,275 3 40
6-10 72.5 20.9 72.6 12 258 6,163 184,602 17 355
11-15 115.2 13.5 106.8 73 952 7,527 220,840 63 892
Total 116.1 11.1 100.7 109 1,406 31,859 587,856 94 1,396
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,374 100,561 1 11
5-14 197.4 197.4 194.3 1 22 3,615 65,455 1 11
15-24 0.0 0.0 86.1 0 14 3,162 67,745 1 17
25-34 0.0 0.0 38.4 0 18 4,473 97,677 2 47
35-44 200.2 63.3 145.3 10 206 4,509 95,403 5 142
45-54 96.6 23.4 77.7 17 305 4,942 95,809 18 392
55-64 89.5 19.1 80.5 22 313 3,078 47,880 25 388
65-74 134.9 21.3 136.2 40 388 1,477 15,427 30 285
75-89 141.4 32.4 136.1 19 140 227 1,895 13 103
90+ 126.6 0 1 0 3 0 0
Total 116.1 11.1 100.7 109 1,406 31,859 587,856 94 1,396
Ultimate Experience By Attained Age
15-19 546.5 546.5 322.5 1 14 979 23,198 0 4
20-29 0.0 0.0 122.5 0 27 6,577 74,612 2 22
30-39 86.8 26.2 121.9 11 102 25,877 174,172 13 84
40-49 130.5 16.3 124.2 64 406 45,686 295,788 49 327
50-59 110.1 6.4 115.7 294 2,084 80,242 554,025 267 1,801
60-69 68.3 2.4 69.6 829 4,671 115,899 666,875 1,213 6,715
70-79 101.8 2.1 107.4 2,258 10,801 103,473 481,530 2,218 10,060
80-89 109.7 1.5 113.8 5,350 21,268 87,417 341,039 4,879 18,682
90-99 83.8 1.5 92.2 3,149 11,078 23,108 75,518 3,758 12,017
100+ 29.7 2.3 49.7 168 505 1,579 2,944 566 1,016
Total 93.5 0.8 100.5 12,124 50,956 490,839 2,689,701 12,965 50,728
GRAND TOTAL 93.7 0.8 100.5 12,233 52,362 522,698 3,277,557 13,059 52,124

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.9     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 56.2 21.2 37.7 7 120 19,528 624,503 12 319
2 82.2 17.9 76.9 21 512 19,269 633,981 26 666
3 93.8 17.4 104.1 29 792 18,751 609,482 31 761
4 52.7 12.1 68.7 19 616 19,347 630,752 36 897
5 62.4 12.5 52.9 25 515 18,992 607,401 40 973
6-10 84.5 5.2 76.1 267 5,665 103,679 3,128,213 316 7,441
11-15 84.3 3.4 78.6 632 13,517 151,189 4,375,709 750 17,207
Total 82.6 2.6 76.9 1,000 21,737 350,757 10,610,040 1,210 28,264
Select Experience By Issue Age
0-4 26.5 18.8 26.5 2 58 65,315 1,864,390 8 217
5-14 62.9 31.4 51.0 4 86 35,821 969,874 6 169
15-24 67.9 27.7 68.3 6 215 33,771 1,206,157 9 314
25-34 99.4 22.2 79.6 20 644 40,688 1,680,113 20 809
35-44 116.7 12.9 109.7 82 2,455 43,672 1,566,969 70 2,237
45-54 78.3 5.6 77.4 195 4,879 59,179 1,667,305 249 6,300
55-64 78.9 4.4 71.0 329 6,498 49,786 1,171,639 417 9,150
65-74 83.3 5.0 75.2 276 5,270 20,305 438,940 331 7,007
75-89 85.7 9.2 79.2 86 1,632 2,220 44,654 100 2,060
90+ 0 0 0 0 0 0
Total 82.6 2.6 76.9 1,000 21,737 350,757 10,610,040 1,210 28,264
Ultimate Experience By Attained Age
15-19 110.2 41.7 132.0 7 237 34,706 982,847 6 179
20-29 104.0 17.6 92.8 35 788 115,173 2,932,985 34 850
30-39 105.2 14.5 109.8 53 1,282 110,355 2,553,100 50 1,168
40-49 105.1 8.9 106.2 141 4,719 119,619 3,989,059 134 4,444
50-59 91.0 3.6 89.4 638 19,133 214,523 6,862,868 701 21,411
60-69 76.2 2.1 74.3 1,332 31,526 193,767 4,915,971 1,747 42,406
70-79 96.7 2.2 92.7 1,971 35,793 109,468 2,121,707 2,038 38,591
80-89 111.1 2.2 107.2 2,584 41,747 48,789 822,508 2,327 38,956
90-99 92.2 3.4 91.1 754 12,749 5,465 93,326 818 13,994
100+ 78.7 21.8 85.0 13 318 47 1,052 17 374
Total 95.6 1.1 91.3 7,528 148,293 951,913 25,275,425 7,872 162,374
GRAND TOTAL 93.9 1.0 89.2 8,528 170,030 1,302,669 35,885,465 9,082 190,638

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.10     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 110.0 36.7 104.5 9 532 22,577 1,428,091 8 509
2 99.8 25.8 121.9 15 1,149 21,052 1,340,681 15 943
3 52.0 17.3 57.1 9 616 18,689 1,183,151 17 1,078
4 79.6 19.9 94.2 16 1,160 18,477 1,181,320 20 1,231
5 84.6 19.9 72.9 18 955 17,999 1,138,985 21 1,311
6-10 72.0 6.7 73.3 116 7,347 88,671 5,576,717 161 10,020
11-15 81.0 5.2 78.1 244 14,440 108,092 6,610,889 301 18,495
Total 78.5 3.8 78.0 427 26,199 295,556 18,459,834 544 33,586
Select Experience By Issue Age
0-4 75.7 43.7 84.2 3 198 33,787 1,992,955 4 235
5-14 154.4 63.0 134.0 6 300 22,488 1,308,202 4 224
15-24 100.8 31.9 94.3 10 551 38,220 2,282,769 10 585
25-34 95.9 18.8 100.0 26 1,782 60,370 3,958,952 27 1,782
35-44 97.5 11.7 104.7 69 4,732 57,608 3,774,922 71 4,521
45-54 64.6 6.6 66.6 97 6,118 51,268 3,220,864 150 9,187
55-64 73.4 7.0 73.0 111 6,610 24,621 1,482,461 151 9,059
65-74 79.4 9.1 72.2 76 4,305 6,623 402,177 96 5,964
75-89 92.7 17.2 79.4 29 1,603 568 36,458 31 2,019
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 78.5 3.8 78.0 427 26,199 295,556 18,459,834 544 33,586
Ultimate Experience By Attained Age
15-19 46.9 46.9 84.8 1 123 11,646 788,486 2 145
20-29 57.4 23.4 53.7 6 370 36,296 2,396,054 10 688
30-39 83.6 23.2 82.5 13 772 33,765 2,038,791 16 936
40-49 100.5 10.8 97.7 87 5,525 77,645 5,085,625 87 5,654
50-59 76.4 4.8 76.1 257 16,732 119,248 7,927,861 336 21,987
60-69 74.2 4.1 73.6 328 19,764 62,072 3,799,600 442 26,845
70-79 83.3 6.0 85.0 196 11,797 14,581 856,417 235 13,876
80-89 82.7 6.1 84.1 185 11,590 4,600 280,993 224 13,787
90-99 78.1 8.6 77.3 82 5,025 691 42,743 105 6,505
100+ 61.4 61.4 43.8 1 56 5 398 2 128
Total 79.2 2.3 79.2 1,156 71,754 360,549 23,216,967 1,459 90,552
GRAND TOTAL 79.0 2.0 78.9 1,583 97,953 656,105 41,676,802 2,003 124,138

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.11     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 67.3 19.4 83.3 12 2,180 58,814 9,238,204 18 2,617
2 60.4 13.2 55.5 21 2,797 58,961 9,100,692 35 5,043
3 77.3 13.1 82.2 35 5,309 60,056 9,111,772 45 6,455
4 68.9 12.0 74.8 33 5,126 56,533 8,627,408 48 6,851
5 79.4 12.6 82.1 40 5,827 53,915 8,141,731 50 7,100
6-10 73.0 4.6 74.3 252 35,912 244,535 36,060,401 345 48,348
11-15 74.4 4.1 77.6 323 44,961 194,133 26,060,630 434 57,902
Total 73.4 2.7 76.0 716 102,112 726,948 106,340,838 975 134,316
Select Experience By Issue Age
0-4 52.8 37.3 66.5 2 304 32,241 3,900,364 4 458
5-14 66.9 38.6 54.3 3 300 28,683 3,541,685 4 552
15-24 93.6 23.4 99.0 16 2,195 73,988 9,792,695 17 2,217
25-34 87.6 10.2 98.6 74 12,547 202,755 31,862,479 84 12,731
35-44 88.7 6.8 92.5 171 25,860 200,924 30,953,217 193 27,942
45-54 64.1 4.8 65.3 181 25,027 135,631 19,301,151 282 38,307
55-64 63.0 5.6 64.3 128 17,032 43,892 5,802,955 203 26,475
65-74 70.4 7.7 67.7 83 10,865 7,757 1,036,716 118 16,048
75-89 83.7 11.0 83.3 58 7,983 1,078 149,577 69 9,587
90+ 0 0 0 0 0 0
Total 73.4 2.7 76.0 716 102,112 726,948 106,340,838 975 134,316
Ultimate Experience By Attained Age
15-19 0.0 0.0 75.3 0 103 5,596 747,373 1 137
20-29 104.3 52.2 122.9 4 618 13,355 1,758,233 4 503
30-39 136.6 37.9 120.4 13 1,361 20,421 2,429,386 10 1,130
40-49 83.9 9.6 82.1 76 9,451 89,036 11,336,666 91 11,510
50-59 72.8 5.1 76.4 200 26,685 115,798 14,869,604 275 34,907
60-69 65.7 5.0 68.4 172 22,125 41,677 5,166,269 262 32,330
70-79 57.3 6.6 59.8 76 10,058 8,311 1,044,748 133 16,809
80-89 80.5 6.5 81.1 155 20,898 3,806 508,480 193 25,767
90-99 90.7 10.0 92.6 83 10,900 599 76,917 92 11,772
100+ 99.1 70.1 144.4 2 446 6 946 2 309
Total 73.6 2.6 75.9 781 102,644 298,602 37,938,620 1,060 135,174
GRAND TOTAL 73.5 1.9 76.0 1,497 204,757 1,025,550 144,279,459 2,036 269,490

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.12     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 25.7 14.8 36.5 3 1,350 47,661 15,633,245 12 3,696
2 20.1 10.0 20.6 4 1,300 44,781 14,521,158 20 6,313
3 76.6 17.6 71.8 19 5,565 44,927 14,387,753 25 7,747
4 68.2 16.5 69.1 17 5,320 40,638 12,944,095 25 7,701
5 61.3 15.3 75.8 16 6,129 38,594 12,138,027 26 8,081
6-10 69.2 6.9 71.0 102 31,725 144,947 44,205,391 147 44,660
11-15 88.1 9.9 90.6 79 24,795 41,822 12,582,039 90 27,353
Total 69.7 4.5 72.2 240 76,184 403,371 126,411,709 344 105,552
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,525 1,339,237 1 155
5-14 0.0 0.0 0.0 0 0 4,897 1,449,778 1 218
15-24 22.0 22.0 18.7 1 250 23,246 6,884,505 5 1,335
25-34 73.9 12.9 79.3 33 11,122 137,879 44,245,977 45 14,019
35-44 74.1 8.9 77.9 70 22,661 144,436 45,682,606 94 29,086
45-54 62.9 7.9 63.0 63 18,910 72,997 22,147,434 100 30,003
55-64 40.8 9.1 39.4 20 5,850 13,171 3,959,371 49 14,842
65-74 124.2 21.0 135.8 35 11,985 1,816 572,021 28 8,828
75-89 81.2 19.1 76.5 18 5,406 403 130,780 22 7,065
90+ 0 0 0 0 0 0
Total 69.7 4.5 72.2 240 76,184 403,371 126,411,709 344 105,552
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 598 204,713 0 38
20-29 247.4 247.4 198.4 1 261 1,395 455,515 0 131
30-39 263.1 186.1 304.4 2 690 1,766 525,892 1 227
40-49 44.9 25.9 54.0 3 1,091 6,972 2,104,368 7 2,020
50-59 54.0 15.6 54.4 12 3,671 10,256 3,110,675 22 6,747
60-69 68.1 16.5 69.8 17 5,302 4,142 1,255,289 25 7,598
70-79 63.8 18.4 65.0 12 3,818 1,153 357,715 19 5,870
80-89 82.1 16.1 89.3 26 8,921 652 204,224 32 9,984
90-99 80.0 24.1 75.0 11 3,470 94 31,222 14 4,627
100+ 0 0 0 0 0 0
Total 70.4 7.7 73.1 84 27,224 27,027 8,249,613 119 37,242
GRAND TOTAL 69.9 3.9 72.4 324 103,408 430,398 134,661,322 464 142,794

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.13     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 16.4 16.4 13.8 1 500 30,561 18,296,071 6 3,620
2 50.7 22.7 42.7 5 2,500 27,926 16,549,767 10 5,850
3 69.9 24.7 66.2 8 4,420 26,753 15,650,474 11 6,682
4 26.1 15.1 28.9 3 1,933 23,160 13,436,905 11 6,690
5 66.5 23.5 68.3 8 4,761 20,726 11,937,329 12 6,972
6-10 73.8 11.7 70.8 40 21,951 57,426 32,565,698 54 30,998
11-15 89.3 16.9 82.8 28 14,777 11,774 6,615,422 31 17,839
Total 68.2 7.1 64.6 93 50,842 198,325 115,051,668 136 78,651
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,270 792,392 0 89
5-14 0.0 0.0 0.0 0 0 1,724 1,064,439 0 161
15-24 196.8 113.6 178.3 3 1,500 8,422 4,673,431 2 841
25-34 78.5 19.6 73.0 16 8,505 75,609 43,668,817 20 11,651
35-44 79.3 14.0 73.8 32 17,155 78,247 45,712,351 40 23,253
45-54 55.5 12.7 52.8 19 10,368 27,835 16,074,441 34 19,624
55-64 35.2 14.4 34.4 6 3,430 4,190 2,449,294 17 9,985
65-74 70.4 23.5 72.9 9 5,583 827 501,615 13 7,659
75-89 82.4 29.1 79.8 8 4,302 201 114,887 10 5,388
90+ 0 0 0 0 0 0
Total 68.2 7.1 64.6 93 50,842 198,325 115,051,668 136 78,651
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 114 69,844 0 13
20-29 0.0 0.0 0.0 0 0 272 174,941 0 51
30-39 601.2 601.2 598.0 1 600 388 233,591 0 100
40-49 0.0 0.0 0.0 0 0 1,205 675,449 1 654
50-59 91.2 40.8 87.5 5 2,731 2,533 1,438,797 5 3,121
60-69 88.2 33.3 105.7 7 4,890 1,273 739,903 8 4,629
70-79 68.7 30.7 60.0 5 2,603 447 263,788 7 4,337
80-89 109.7 29.3 104.4 14 8,012 269 159,922 13 7,673
90-99 73.9 37.0 82.0 4 2,920 36 23,852 5 3,559
100+ 170.5 120.6 172.4 2 1,021 4 2,021 1 593
Total 91.6 14.9 92.1 38 22,778 6,540 3,782,109 41 24,729
GRAND TOTAL 73.6 6.4 71.2 131 73,620 204,866 118,833,776 178 103,381

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 2.14     TOTAL EXPERIENCE -- FEMALES, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 48.6 48.6 42.9 1 1,500 9,082 13,437,776 2 3,498
2 0.0 0.0 32.7 0 2,000 7,984 11,548,013 4 6,119
3 121.2 54.2 114.9 5 8,800 7,157 10,564,782 4 7,657
4 79.9 46.1 51.7 3 3,000 5,824 8,053,507 4 5,808
5 51.2 36.2 35.5 2 2,364 5,054 7,589,454 4 6,658
6-10 49.1 16.4 66.3 9 20,587 13,078 18,729,946 18 31,054
11-15 76.9 23.2 60.6 11 15,631 3,361 5,655,178 14 25,812
Total 62.0 11.1 62.2 31 53,882 51,540 75,578,656 50 86,606
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 440 895,627 0 96
5-14 0.0 0.0 0.0 0 0 601 1,465,551 0 228
15-24 398.8 398.8 232.0 1 1,000 1,361 2,342,549 0 431
25-34 49.7 35.1 37.2 2 2,000 15,563 20,407,653 4 5,371
35-44 45.0 20.1 47.2 5 7,500 22,232 31,163,880 11 15,896
45-54 62.4 23.6 41.5 7 7,664 8,733 13,878,546 11 18,465
55-64 37.5 21.7 19.8 3 3,000 1,912 3,818,149 8 15,186
65-74 64.0 28.6 89.2 5 15,593 526 1,242,206 8 17,487
75-89 107.9 38.1 127.4 8 17,125 172 364,494 7 13,446
90+ 0 0 0 0 0 0
Total 62.0 11.1 62.2 31 53,882 51,540 75,578,656 50 86,606
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 48,700 0 9
20-29 0.0 0.0 0.0 0 0 93 158,853 0 46
30-39 0.0 0.0 0.0 0 0 154 252,852 0 112
40-49 0.0 0.0 0.0 0 0 392 775,107 0 763
50-59 55.7 55.7 36.2 1 1,049 784 1,267,183 2 2,894
60-69 120.2 60.1 120.4 4 6,034 523 783,455 3 5,013
70-79 24.0 24.0 25.2 1 2,000 242 449,132 4 7,931
80-89 78.8 29.8 68.9 7 10,422 178 301,880 9 15,117
90-99 90.4 63.9 72.6 2 4,000 15 38,218 2 5,509
100+ 0 0 0 0 0 0
Total 71.9 18.6 62.9 15 23,505 2,406 4,075,379 21 37,394
GRAND TOTAL 64.9 9.6 62.4 46 77,387 53,946 79,654,036 71 124,000

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.1     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 357.4 0 19 542 2,939 1 5
2 51.1 51.1 12.2 1 2 543 4,891 2 19
3 230.3 132.9 45.3 3 8 385 4,711 1 17
4 191.8 110.7 101.1 3 19 358 4,547 2 19
5 0.0 0.0 57.1 0 12 306 4,824 1 21
6-10 27.8 19.7 57.0 2 97 1,225 29,438 7 170
11-15 138.4 27.7 117.3 25 431 1,655 51,431 18 368
Total 106.0 18.2 95.1 34 589 5,014 102,781 32 619
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 41 2,074 0 1
5-14 0.0 0.0 48.6 0 2 269 9,019 0 5
15-24 0.0 0.0 206.0 0 30 787 15,612 1 14
25-34 80.9 80.9 136.6 1 40 1,120 22,106 1 29
35-44 66.4 47.0 86.6 2 73 1,024 22,609 3 85
45-54 64.8 26.4 71.1 6 151 1,080 21,071 9 213
55-64 145.2 36.3 106.2 16 198 537 8,371 11 186
65-74 142.5 47.5 109.6 9 86 148 1,812 6 79
75-89 0.0 0.0 109.5 0 8 7 107 0 7
90+ 0 0 0 0 0 0
Total 106.0 18.2 95.1 34 589 5,014 102,781 32 619
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 312 10,514 0 4
20-29 122.8 122.8 179.8 1 22 1,111 17,067 1 12
30-39 115.4 81.6 162.5 2 30 1,524 16,307 2 19
40-49 114.7 51.3 75.9 5 47 1,840 26,146 4 62
50-59 54.3 15.0 63.2 13 181 3,276 40,541 24 286
60-69 70.4 8.1 80.7 76 717 4,678 39,760 108 888
70-79 80.0 5.6 89.7 201 1,298 4,810 28,146 251 1,447
80-89 92.4 5.6 102.1 275 1,396 3,097 14,520 298 1,366
90-99 73.8 8.0 89.1 85 314 506 1,602 115 352
100+ 21.8 10.9 15.0 4 3 42 38 18 17
Total 80.6 3.1 90.0 662 4,007 21,196 194,642 822 4,455
GRAND TOTAL 81.5 3.1 90.6 696 4,596 26,209 297,422 854 5,074

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.2     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 94.2 42.1 90.0 5 120 2,682 82,791 5 133
2 99.5 30.0 97.6 11 301 2,750 89,463 11 309
3 105.1 29.1 101.2 13 327 2,572 80,380 12 323
4 67.1 22.4 60.5 9 210 2,716 84,187 13 347
5 68.7 21.7 58.3 10 209 2,694 82,129 15 359
6-10 69.7 8.1 70.1 74 1,792 16,033 445,265 106 2,556
11-15 87.3 5.9 84.6 216 4,911 29,303 757,998 248 5,803
Total 82.4 4.5 80.1 338 7,871 58,750 1,622,212 410 9,830
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,205 23,860 0 9
5-14 153.1 54.1 138.7 8 140 9,837 190,952 5 101
15-24 163.2 47.1 206.3 12 457 8,113 244,868 7 221
25-34 100.9 29.1 103.7 12 439 9,327 332,739 12 423
35-44 75.9 14.3 64.5 28 722 10,324 327,783 37 1,120
45-54 86.2 8.5 83.6 102 2,499 11,685 312,941 118 2,989
55-64 74.8 7.0 70.9 114 2,409 6,473 152,407 152 3,396
65-74 76.9 10.4 71.8 55 1,057 1,701 35,283 72 1,472
75-89 111.5 42.1 151.1 7 149 84 1,378 6 98
90+ 0 0 0 0 0 0
Total 82.4 4.5 80.1 338 7,871 58,750 1,622,212 410 9,830
Ultimate Experience By Attained Age
15-19 46.3 46.3 73.3 1 35 4,985 108,815 2 47
20-29 86.6 24.0 95.1 13 308 20,479 443,534 15 323
30-39 98.7 19.0 106.6 27 623 24,419 517,488 27 584
40-49 80.6 12.7 62.0 40 920 21,069 620,181 50 1,484
50-59 99.3 6.5 94.4 237 6,825 33,738 1,030,565 239 7,227
60-69 82.3 3.4 83.3 574 14,740 31,639 819,970 697 17,686
70-79 90.7 3.2 89.2 787 15,271 17,318 346,578 867 17,125
80-89 110.7 4.9 110.9 515 8,754 5,113 87,101 465 7,890
90-99 97.4 13.6 93.8 51 786 254 4,067 52 838
100+ 0.0 0.0 0.0 0 0 3 60 1 26
Total 92.9 2.0 90.7 2,245 48,260 159,018 3,978,360 2,417 53,230
GRAND TOTAL 91.4 1.8 89.0 2,583 56,131 217,767 5,600,572 2,827 63,060

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.3     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 89.9 51.9 79.4 3 166 2,866 183,139 3 209
2 0.0 0.0 14.8 0 59 2,740 177,235 6 399
3 85.9 35.1 84.8 6 378 2,474 159,329 7 446
4 55.0 27.5 48.1 4 213 2,455 156,359 7 443
5 105.8 37.4 98.8 8 472 2,356 146,952 8 477
6-10 93.6 13.4 98.8 49 3,240 12,043 754,160 52 3,280
11-15 81.6 9.4 87.0 75 4,859 19,674 1,162,686 92 5,582
Total 82.6 6.9 86.6 145 9,386 44,608 2,739,860 176 10,836
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,115 58,577 0 22
5-14 69.6 49.2 66.3 2 100 5,328 280,007 3 151
15-24 178.2 53.7 164.5 11 584 7,051 406,764 6 355
25-34 55.7 21.0 58.8 7 477 10,258 658,952 13 811
35-44 70.0 14.6 78.9 23 1,677 9,966 655,641 33 2,125
45-54 83.8 11.3 87.4 55 3,523 8,050 507,392 66 4,033
55-64 83.5 13.7 84.6 37 2,257 2,534 154,036 44 2,667
65-74 88.5 29.5 114.4 9 718 296 17,745 10 628
75-89 179.4 179.4 113.3 1 50 10 746 1 44
90+ 0 0 0 0 0 0
Total 82.6 6.9 86.6 145 9,386 44,608 2,739,860 176 10,836
Ultimate Experience By Attained Age
15-19 158.5 91.5 153.3 3 154 4,371 232,471 2 101
20-29 151.1 45.5 137.3 11 554 10,240 567,303 7 404
30-39 104.0 32.9 92.7 10 500 8,523 477,679 10 539
40-49 106.1 18.5 102.8 33 2,041 12,451 789,914 31 1,986
50-59 92.9 7.2 88.6 167 10,269 25,911 1,676,247 180 11,597
60-69 83.8 5.5 82.7 236 14,304 13,833 854,184 282 17,303
70-79 77.3 7.7 76.9 102 6,148 2,779 168,274 132 7,999
80-89 125.2 18.7 123.7 45 2,718 397 24,266 36 2,198
90-99 79.8 35.7 76.1 5 286 31 1,870 6 376
100+ 0 0 0 0 0 0
Total 89.3 3.6 87.0 612 36,975 78,535 4,792,209 686 42,502
GRAND TOTAL 87.9 3.2 86.9 757 46,361 123,143 7,532,069 861 53,338

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.4     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 76.1 31.0 68.5 6 800 8,338 1,312,870 8 1,169
2 118.1 27.8 93.3 18 2,035 8,030 1,247,630 15 2,182
3 39.4 14.9 45.0 7 1,120 8,140 1,214,660 18 2,488
4 43.4 15.3 50.3 8 1,300 7,680 1,149,814 18 2,583
5 67.7 18.8 61.4 13 1,656 7,475 1,099,853 19 2,696
6-10 67.7 7.6 69.0 80 11,282 35,138 5,041,966 118 16,342
11-15 60.0 7.2 61.7 69 9,230 27,400 3,568,007 115 14,961
Total 64.5 4.5 64.6 201 27,424 102,203 14,634,801 312 42,421
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 346 39,019 0 15
5-14 40.4 40.4 35.0 1 100 5,079 586,943 2 286
15-24 100.4 31.8 101.7 10 1,260 11,900 1,491,734 10 1,239
25-34 60.2 13.1 57.2 21 2,993 29,773 4,601,209 35 5,232
35-44 67.3 9.0 75.8 56 8,980 30,805 4,608,814 83 11,839
45-54 65.5 7.4 59.3 78 9,461 20,069 2,766,398 119 15,950
55-64 48.6 9.5 51.0 26 3,456 3,988 510,538 53 6,773
65-74 89.6 33.9 90.9 7 900 233 29,100 8 991
75-89 279.3 197.5 284.6 2 275 8 1,045 1 97
90+ 0 0 0 0 0 0
Total 64.5 4.5 64.6 201 27,424 102,203 14,634,801 312 42,421
Ultimate Experience By Attained Age
15-19 412.2 291.5 357.7 2 200 1,122 129,351 0 56
20-29 99.7 70.5 83.6 2 200 2,800 333,726 2 239
30-39 84.0 42.0 99.8 4 548 4,148 478,797 5 549
40-49 107.7 18.5 113.2 34 4,522 12,429 1,566,673 32 3,994
50-59 89.1 7.5 93.2 141 18,558 23,503 2,963,167 158 19,913
60-69 82.0 6.8 77.9 145 17,186 9,042 1,126,461 177 22,054
70-79 77.6 10.6 79.7 54 7,026 1,460 184,630 70 8,811
80-89 145.2 25.3 148.5 33 4,349 251 32,274 23 2,929
90-99 106.7 53.4 113.7 4 511 16 1,920 4 450
100+ 0.0 0.0 0.0 0 0 1 100 0 45
Total 89.1 4.4 89.9 419 53,102 54,774 6,817,100 470 59,041
GRAND TOTAL 79.3 3.2 79.4 620 80,526 156,976 21,451,901 782 101,462

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.5     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 51.6 36.5 44.5 2 565 5,060 1,696,266 4 1,269
2 62.7 31.4 99.4 4 2,030 4,566 1,499,421 6 2,043
3 58.2 29.1 66.9 4 1,475 4,334 1,411,180 7 2,204
4 78.4 32.0 73.2 6 1,800 4,353 1,400,779 8 2,459
5 36.0 20.8 31.8 3 825 4,330 1,359,773 8 2,593
6-10 66.2 11.7 59.3 32 8,721 17,809 5,420,700 48 14,697
11-15 85.4 20.1 98.1 18 6,331 5,125 1,548,672 21 6,453
Total 67.3 8.1 68.6 69 21,747 45,577 14,336,792 103 31,716
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 25 6,794 0 3
5-14 413.5 413.5 602.0 1 400 526 144,322 0 66
15-24 47.2 47.2 40.0 1 250 2,689 796,961 2 626
25-34 70.7 20.4 68.1 12 3,650 16,602 5,311,366 17 5,357
35-44 75.8 14.6 69.6 27 7,716 17,346 5,502,824 36 11,084
45-54 68.4 13.7 74.0 25 8,230 7,557 2,315,371 37 11,121
55-64 21.0 14.9 42.1 2 1,251 783 244,052 10 2,974
65-74 66.9 66.9 52.6 1 250 47 14,851 1 476
75-89 0.0 0.0 0.0 0 0 1 250 0 9
90+ 0 0 0 0 0 0
Total 67.3 8.1 68.6 69 21,747 45,577 14,336,792 103 31,716
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 54 15,744 0 7
20-29 0.0 0.0 0.0 0 0 129 38,536 0 28
30-39 0.0 0.0 0.0 0 0 271 82,707 0 95
40-49 64.7 45.7 70.6 2 650 1,202 357,429 3 920
50-59 68.9 21.8 63.1 10 2,796 2,148 650,289 15 4,431
60-69 74.1 19.1 67.3 15 4,127 1,004 303,557 20 6,135
70-79 142.9 35.7 160.9 16 5,727 233 73,911 11 3,560
80-89 172.7 57.6 165.0 9 2,837 58 19,043 5 1,720
90-99 0.0 0.0 0.0 0 0 1 265 0 56
100+ 0 0 0 0 0 0
Total 94.7 13.1 95.2 52 16,137 5,100 1,541,481 55 16,951
GRAND TOTAL 76.9 7.0 77.8 121 37,884 50,677 15,878,273 157 48,667

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.6     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 50.3 50.3 41.8 1 500 2,890 1,752,260 2 1,195
2 0.0 0.0 0.0 0 0 2,528 1,539,401 3 1,928
3 29.3 29.3 24.4 1 500 2,364 1,427,393 3 2,052
4 55.8 39.5 46.8 2 1,000 2,219 1,310,806 4 2,136
5 98.6 49.3 92.6 4 2,250 2,158 1,281,909 4 2,430
6-10 52.9 16.7 54.5 10 5,950 7,049 4,042,410 19 10,920
11-15 75.1 30.7 65.1 6 3,005 1,638 935,558 8 4,614
Total 55.6 11.4 52.2 24 13,205 20,846 12,289,738 43 25,275
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 4,616 0 2
5-14 1296.7 1296.7 1191.0 1 500 165 90,202 0 42
15-24 164.7 164.7 144.9 1 500 781 446,847 1 345
25-34 26.1 18.5 22.3 2 1,000 8,061 4,766,356 8 4,484
35-44 58.2 19.4 55.3 9 5,000 8,527 5,032,356 15 9,039
45-54 50.8 19.2 43.6 7 3,505 2,921 1,718,697 14 8,039
55-64 62.9 36.3 77.2 3 2,200 362 218,054 5 2,850
65-74 129.9 129.9 105.3 1 500 21 12,610 1 475
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 55.6 11.4 52.2 24 13,205 20,846 12,289,738 43 25,275
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 8 4,748 0 2
20-29 0.0 0.0 0.0 0 0 32 19,728 0 15
30-39 0.0 0.0 0.0 0 0 74 44,464 0 50
40-49 0.0 0.0 0.0 0 0 246 141,353 1 372
50-59 44.6 31.5 39.3 2 1,000 634 359,736 4 2,544
60-69 42.2 24.4 37.2 3 1,524 358 205,467 7 4,092
70-79 86.9 43.5 78.2 4 2,188 92 55,738 5 2,796
80-89 129.0 74.5 114.5 3 1,616 24 14,137 2 1,412
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 62.2 18.0 56.1 12 6,328 1,468 845,371 19 11,283
GRAND TOTAL 57.7 9.6 53.4 36 19,533 22,314 13,135,109 62 36,558

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.7     TOTAL EXPERIENCE -- MALE SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 1,397 2,306,907 1 1,829
2 189.9 109.7 127.8 3 3,500 1,108 1,812,673 2 2,738
3 0.0 0.0 0.0 0 0 992 1,679,113 2 3,018
4 66.1 66.1 43.8 1 1,000 796 1,182,306 2 2,285
5 170.4 98.4 136.6 3 4,017 805 1,303,290 2 2,941
6-10 49.3 24.6 59.6 4 7,986 2,350 3,576,759 8 13,409
11-15 83.4 48.1 81.5 3 4,500 622 977,106 4 5,520
Total 72.0 19.2 66.2 14 21,002 8,070 12,838,155 19 31,739
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-14 0.0 0.0 0.0 0 0 24 26,751 0 12
15-24 549.1 549.1 233.7 1 1,017 236 564,567 0 435
25-34 92.6 65.5 95.7 2 3,000 2,355 3,478,950 2 3,134
35-44 46.4 26.8 29.8 3 3,000 3,685 5,695,621 6 10,070
45-54 56.5 28.2 66.2 4 7,986 1,532 2,627,994 7 12,061
55-64 100.5 58.1 92.6 3 5,000 225 429,396 3 5,400
65-74 177.9 177.9 159.5 1 1,000 13 14,876 1 627
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 72.0 19.2 66.2 14 21,002 8,070 12,838,155 19 31,739
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 3 3,003 0 1
20-29 0.0 0.0 0.0 0 0 13 17,327 0 13
30-39 0.0 0.0 0.0 0 0 27 66,792 0 76
40-49 0.0 0.0 0.0 0 0 72 95,107 0 244
50-59 65.5 65.5 42.8 1 1,000 221 346,192 2 2,339
60-69 33.2 33.2 26.5 1 1,155 144 211,049 3 4,355
70-79 97.4 68.9 78.7 2 2,888 40 71,883 2 3,670
80-89 0.0 0.0 0.0 0 0 4 8,264 0 981
90-99 0.0 0.0 0.0 0 0 1 1,000 0 192
100+ 0 0 0 0 0 0
Total 53.9 27.0 42.5 4 5,043 525 820,618 7 11,870
GRAND TOTAL 67.0 15.8 59.7 18 26,046 8,595 13,658,773 27 43,609

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.8     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 64.2 64.2 157.3 1 17 2,474 13,265 2 11
2 82.8 58.6 94.5 2 26 2,200 22,142 2 27
3 272.8 122.0 89.1 5 21 1,483 18,870 2 24
4 105.3 74.4 33.8 2 8 1,269 17,772 2 24
5 52.6 52.6 32.0 1 11 992 17,628 2 33
6-10 112.7 32.5 89.0 12 230 3,254 87,757 11 258
11-15 87.9 16.9 97.1 27 514 3,320 100,379 31 529
Total 98.1 13.9 91.2 50 826 14,993 277,813 51 905
Select Experience By Issue Age
0-4 0.0 0 0 0 197 0 0
5-14 0.0 0.0 0.0 0 0 22 3,099 0 2
15-24 85.0 85.0 111.2 1 29 2,400 46,234 1 26
25-34 0.0 0.0 83.0 0 36 3,627 67,224 2 44
35-44 138.7 69.4 85.9 4 61 3,139 59,524 3 71
45-54 97.4 34.4 103.2 8 202 3,139 57,898 8 195
55-64 62.5 20.8 63.5 9 178 1,802 32,289 14 281
65-74 108.4 24.9 110.0 19 246 793 10,333 18 223
75-89 188.6 62.9 117.1 9 73 71 1,016 5 62
90+ 0 0 0 0 0 0
Total 98.1 13.9 91.2 50 826 14,993 277,813 51 905
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 26 1,172 0 1
20-29 0.0 0.0 0.0 0 0 275 4,245 0 3
30-39 302.1 213.6 110.2 2 14 855 16,154 1 12
40-49 145.6 72.8 86.3 4 49 2,196 46,313 3 57
50-59 122.3 35.3 80.7 12 139 3,750 66,756 10 172
60-69 65.8 11.5 70.0 33 450 5,383 71,626 50 643
70-79 103.2 8.2 89.0 157 1,250 5,838 55,149 152 1,405
80-89 100.0 5.7 94.7 304 2,084 4,211 31,214 304 2,200
90-99 84.9 8.6 90.8 97 691 544 3,630 114 761
100+ 0.0 0.0 0.0 0 0 6 31 3 13
Total 95.7 3.9 88.8 609 4,677 23,083 296,292 637 5,268
GRAND TOTAL 95.9 3.7 89.1 659 5,503 38,076 574,105 688 6,173

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.9     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 109.1 32.9 94.9 11 261 8,241 284,863 10 275
2 110.3 26.7 112.0 17 516 8,673 324,284 15 461
3 83.3 21.5 86.6 15 437 8,113 288,941 18 504
4 80.1 20.0 81.4 16 450 7,957 292,405 20 553
5 98.9 20.6 96.8 23 613 7,739 278,200 23 633
6-10 95.7 7.0 96.3 185 4,887 42,083 1,480,086 193 5,073
11-15 91.9 4.4 85.0 427 10,187 58,227 1,968,027 465 11,983
Total 93.2 3.5 89.1 694 17,351 141,034 4,916,805 745 19,482
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 247 6,921 0 3
5-14 0.0 0.0 0.0 0 0 1,795 58,350 1 33
15-24 133.0 32.3 108.9 17 509 21,638 793,973 13 467
25-34 103.8 24.5 88.2 18 686 25,552 1,140,082 17 777
35-44 133.8 20.9 110.8 41 1,331 24,559 987,819 31 1,201
45-54 88.3 9.3 84.9 90 2,664 27,914 922,558 102 3,139
55-64 89.6 5.8 87.0 239 5,878 26,346 705,143 267 6,754
65-74 92.8 5.9 88.0 244 5,296 11,996 281,447 263 6,021
75-89 88.0 13.1 91.0 45 988 986 20,503 51 1,086
90+ 0.0 0.0 0.0 0 0 1 10 0 1
Total 93.2 3.5 89.1 694 17,351 141,034 4,916,805 745 19,482
Ultimate Experience By Attained Age
15-19 119.1 84.2 137.8 2 62 3,791 101,442 2 45
20-29 105.1 30.3 116.6 12 328 15,628 387,046 11 281
30-39 116.7 24.3 99.4 23 539 25,581 703,058 20 542
40-49 104.9 13.7 101.8 59 2,153 46,776 1,738,771 56 2,114
50-59 105.7 8.0 105.2 173 6,507 63,487 2,412,450 164 6,185
60-69 76.0 3.6 72.5 453 13,688 66,701 2,164,568 596 18,873
70-79 79.0 2.4 75.7 1,069 25,424 53,110 1,345,727 1,353 33,605
80-89 92.3 2.3 90.1 1,640 33,598 25,960 549,635 1,777 37,285
90-99 80.6 4.3 78.6 349 6,920 2,114 42,971 433 8,804
100+ 38.6 38.6 43.8 1 35 6 184 3 80
Total 85.7 1.4 82.8 3,781 89,253 303,155 9,445,850 4,414 107,815
GRAND TOTAL 86.7 1.3 83.7 4,475 106,604 444,188 14,362,656 5,159 127,297

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.10     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 73.1 29.9 60.4 6 315 11,488 761,607 8 522
2 60.6 22.9 59.9 7 462 11,030 754,916 12 771
3 67.2 22.4 76.2 9 663 9,767 655,110 13 870
4 72.0 21.7 69.9 11 681 9,311 630,330 15 975
5 73.1 21.1 82.9 12 855 8,852 589,003 16 1,031
6-10 85.2 8.3 91.7 105 7,263 41,435 2,820,902 123 7,922
11-15 82.2 5.9 80.2 196 12,156 53,272 3,482,968 238 15,161
Total 81.1 4.4 82.2 346 22,395 145,154 9,694,838 426 27,252
Select Experience By Issue Age
0-4 2303.8 2303.8 2066.2 1 50 110 6,160 0 2
5-14 81.5 81.5 115.9 1 80 2,076 117,506 1 69
15-24 82.7 26.2 118.5 10 883 20,975 1,303,520 12 745
25-34 74.4 18.6 79.6 16 1,203 32,886 2,297,229 22 1,511
35-44 90.0 15.2 83.7 35 2,292 32,384 2,286,956 39 2,738
45-54 94.0 9.6 94.2 95 6,181 32,419 2,164,745 101 6,563
55-64 69.1 6.7 71.0 105 6,690 19,323 1,217,193 152 9,422
65-74 83.5 9.8 79.6 73 4,298 4,776 288,297 87 5,398
75-89 75.7 25.2 81.8 9 634 203 13,097 12 775
90+ 231.6 231.6 302.9 1 85 2 135 0 28
Total 81.1 4.4 82.2 346 22,395 145,154 9,694,838 426 27,252
Ultimate Experience By Attained Age
15-19 137.8 137.8 167.8 1 71 1,608 93,698 1 42
20-29 72.4 36.2 69.9 4 218 7,786 438,228 6 311
30-39 78.0 27.6 72.6 8 433 13,291 771,695 10 595
40-49 72.7 11.5 74.1 40 2,756 44,387 2,979,469 55 3,721
50-59 84.9 6.4 82.4 175 12,003 79,760 5,655,471 206 14,572
60-69 74.9 3.9 72.6 378 23,958 60,411 3,993,804 505 33,015
70-79 71.7 3.7 70.2 379 22,785 22,153 1,362,367 529 32,478
80-89 78.4 4.4 78.2 311 19,221 5,887 364,331 397 24,570
90-99 66.2 8.3 64.3 64 3,832 461 28,507 97 5,963
100+ 28.5 28.5 40.9 1 88 8 490 4 214
Total 75.3 2.0 73.9 1,361 85,363 235,752 15,688,059 1,808 115,481
GRAND TOTAL 76.4 1.8 75.5 1,707 107,758 380,906 25,382,897 2,235 142,733

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.11     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 81.1 18.1 67.8 20 2,570 37,932 6,243,541 25 3,790
2 58.3 13.0 53.1 20 2,788 38,178 6,224,686 34 5,251
3 78.4 13.4 79.6 34 5,183 39,207 6,284,700 43 6,509
4 73.7 12.5 78.6 35 5,564 36,252 5,868,112 47 7,082
5 64.0 11.3 63.3 32 4,679 34,256 5,481,853 50 7,387
6-10 67.4 4.4 70.9 231 35,357 164,962 25,727,489 343 49,885
11-15 81.9 4.4 80.1 352 47,979 143,319 20,531,837 430 59,894
Total 74.4 2.8 74.5 724 104,121 494,107 76,362,218 972 139,797
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 216 26,040 0 10
5-14 0.0 0.0 0.0 0 0 3,723 452,580 2 240
15-24 71.4 16.4 83.8 19 2,917 48,677 6,428,686 27 3,481
25-34 76.3 9.7 73.2 62 9,572 122,924 20,218,891 81 13,074
35-44 81.1 7.0 84.0 134 21,904 145,182 23,812,184 165 26,061
45-54 80.7 5.4 78.4 227 31,835 116,469 17,579,521 281 40,596
55-64 67.3 4.8 67.5 195 26,460 49,615 6,874,822 290 39,198
65-74 67.7 8.0 65.0 72 9,381 7,013 930,118 106 14,432
75-89 77.1 19.9 77.1 15 2,051 286 39,246 19 2,661
90+ 0.0 0.0 0.0 0 0 1 130 0 43
Total 74.4 2.8 74.5 724 104,121 494,107 76,362,218 972 139,797
Ultimate Experience By Attained Age
15-19 118.0 118.0 167.4 1 180 1,912 242,956 1 107
20-29 92.2 53.2 96.9 3 384 4,598 560,950 3 397
30-39 142.0 38.0 130.5 14 1,524 12,764 1,511,268 10 1,167
40-49 93.5 10.0 90.9 87 11,213 73,417 9,687,725 93 12,340
50-59 79.2 4.8 75.7 277 35,762 138,214 18,701,242 350 47,266
60-69 67.3 3.4 65.2 392 50,106 73,646 9,743,720 582 76,892
70-79 67.5 3.9 66.6 298 38,330 18,669 2,435,395 441 57,573
80-89 84.5 4.8 82.3 306 39,496 5,293 699,496 362 47,996
90-99 73.9 8.7 74.2 72 9,639 466 62,032 97 12,986
100+ 0.0 0.0 0.0 0 0 3 300 1 128
Total 74.7 2.0 72.7 1,450 186,635 328,981 43,645,084 1,941 256,852
GRAND TOTAL 74.6 1.6 73.3 2,174 290,755 823,088 120,007,302 2,913 396,649

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.12     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 63.6 20.1 59.6 10 3,200 30,203 10,676,095 16 5,365
2 59.0 17.0 57.2 12 3,930 28,251 9,886,030 20 6,865
3 66.9 16.2 69.7 17 5,899 29,223 10,076,172 25 8,465
4 87.7 17.5 73.7 25 6,854 29,054 9,796,975 28 9,304
5 64.0 14.3 58.9 20 5,950 28,707 9,535,645 31 10,108
6-10 68.8 5.9 69.4 138 43,380 127,844 40,668,187 200 62,529
11-15 77.5 7.6 73.3 104 30,895 51,164 16,120,665 134 42,149
Total 71.5 4.0 69.1 326 100,107 324,446 106,759,770 456 144,785
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 39 11,452 0 4
5-14 225.9 225.9 211.2 1 262 844 236,046 0 124
15-24 38.6 22.3 51.7 3 1,200 14,970 4,501,191 8 2,319
25-34 61.2 10.7 62.1 33 11,168 90,109 30,557,373 54 17,987
35-44 80.1 8.4 73.9 91 27,483 119,381 40,078,180 114 37,186
45-54 72.2 7.1 70.8 103 31,648 77,229 24,582,036 143 44,709
55-64 68.8 8.3 69.1 68 20,980 19,770 6,142,180 99 30,373
65-74 71.3 15.2 63.1 22 6,065 1,989 614,116 31 9,606
75-89 63.6 28.4 52.5 5 1,300 114 37,198 8 2,475
90+ 0 0 0 0 0 0
Total 71.5 4.0 69.1 326 100,107 324,446 106,759,770 456 144,785
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 337 98,942 0 44
20-29 0.0 0.0 0.0 0 0 863 252,493 1 180
30-39 82.9 82.9 72.8 1 253 1,562 450,388 1 348
40-49 70.7 22.4 61.3 10 2,682 10,965 3,380,363 14 4,372
50-59 62.4 10.0 58.2 39 11,312 24,645 7,678,349 62 19,451
60-69 68.9 7.8 69.8 77 24,278 13,985 4,342,612 112 34,762
70-79 53.7 7.8 56.5 47 15,449 3,686 1,150,260 88 27,335
80-89 73.1 10.0 75.7 53 17,451 1,052 335,634 72 23,066
90-99 57.8 19.3 63.7 9 3,068 77 23,930 16 4,814
100+ 0.0 0.0 0.0 0 0 1 400 0 161
Total 64.4 4.2 65.0 236 74,492 57,172 17,713,372 366 114,533
GRAND TOTAL 68.3 2.9 67.3 562 174,599 381,618 124,473,142 822 259,318

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.13     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 57.5 21.7 47.7 7 3,616 26,035 16,399,810 12 7,586
2 78.4 22.6 74.3 12 7,050 23,701 14,896,039 15 9,492
3 78.7 21.0 73.0 14 8,021 23,280 14,513,457 18 10,990
4 78.5 20.3 74.4 15 8,680 22,114 13,603,076 19 11,672
5 73.4 18.9 69.9 15 8,650 21,062 12,867,894 20 12,382
6-10 67.3 7.9 66.7 73 43,050 73,633 44,007,146 108 64,556
11-15 64.6 9.9 63.7 43 24,912 23,196 13,546,234 67 39,117
Total 68.9 5.1 66.7 179 103,978 213,021 129,833,655 260 155,795
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 4,678 0 2
5-14 0.0 0.0 0.0 0 0 212 117,470 0 62
15-24 100.4 58.0 88.9 3 1,500 5,877 3,334,469 3 1,688
25-34 72.9 14.9 69.6 24 13,845 59,693 36,403,261 33 19,882
35-44 74.6 10.1 73.6 55 32,960 89,378 55,085,554 74 44,807
45-54 72.9 9.7 70.3 57 32,739 46,471 28,077,963 78 46,541
55-64 54.4 10.3 52.1 28 15,928 10,302 6,163,774 51 30,553
65-74 51.6 18.2 47.4 8 4,400 1,006 601,880 16 9,290
75-89 81.2 40.6 87.7 4 2,606 74 44,604 5 2,971
90+ 0 0 0 0 0 0
Total 68.9 5.1 66.7 179 103,978 213,021 129,833,655 260 155,795
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 37 21,481 0 10
20-29 0.0 0.0 0.0 0 0 121 69,148 0 50
30-39 0.0 0.0 0.0 0 0 395 226,454 0 174
40-49 50.6 35.7 44.1 2 1,000 3,009 1,723,580 4 2,269
50-59 66.8 17.2 66.8 15 8,719 8,700 5,048,076 22 13,044
60-69 59.0 11.0 59.2 29 17,043 6,068 3,543,669 49 28,790
70-79 30.4 8.4 30.8 13 7,783 1,796 1,056,541 43 25,230
80-89 70.4 13.8 68.0 26 14,509 539 312,806 37 21,328
90-99 56.5 25.3 59.7 5 3,000 42 23,966 9 5,022
100+ 0.0 0.0 0.0 0 0 2 1,047 1 421
Total 54.4 5.7 54.0 90 52,054 20,708 12,026,769 165 96,337
GRAND TOTAL 63.3 3.9 61.9 269 156,033 233,729 141,860,423 425 252,132

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.14     TOTAL EXPERIENCE -- MALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 65.1 29.1 73.8 5 10,425 15,697 27,427,494 8 14,130
2 92.6 30.9 93.8 9 17,250 13,962 24,538,285 10 18,386
3 55.5 22.7 37.4 6 7,512 12,995 23,026,002 11 20,071
4 27.3 15.8 17.6 3 3,500 11,432 19,106,423 11 19,882
5 74.9 25.0 57.0 9 12,500 10,837 18,251,693 12 21,945
6-10 58.0 9.9 48.0 34 49,422 33,710 54,023,398 59 103,067
11-15 54.9 12.0 51.9 21 33,004 10,278 16,161,803 38 63,582
Total 58.7 6.3 51.2 87 133,613 108,912 182,535,097 148 261,062
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4 4,575 0 2
5-14 0.0 0.0 0.0 0 0 73 123,899 0 71
15-24 0.0 0.0 0.0 0 0 1,664 3,051,823 1 1,577
25-34 81.9 25.9 61.9 10 11,074 23,024 33,960,928 12 17,893
35-44 60.6 12.6 49.7 23 30,568 48,333 79,288,746 38 61,503
45-54 73.9 12.7 76.2 34 61,459 28,217 50,906,884 46 80,685
55-64 46.0 11.9 37.8 15 23,500 6,653 13,302,991 33 62,201
65-74 36.7 16.4 27.3 5 7,012 869 1,674,493 14 25,690
75-89 0.0 0.0 0.0 0 0 76 220,758 5 11,440
90+ 0 0 0 0 0 0
Total 58.7 6.3 51.2 87 133,613 108,912 182,535,097 148 261,062
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 9 9,831 0 4
20-29 0.0 0.0 0.0 0 0 32 37,492 0 27
30-39 0.0 0.0 0.0 0 0 155 226,133 0 174
40-49 76.4 76.4 51.1 1 1,000 1,009 1,527,386 1 1,958
50-59 43.9 22.0 32.9 4 4,500 3,466 5,203,833 9 13,668
60-69 47.0 14.2 37.5 11 14,019 2,790 4,361,843 23 37,367
70-79 78.2 17.1 81.0 21 36,009 1,102 1,805,111 27 44,448
80-89 51.7 13.8 58.0 14 28,715 411 773,663 27 49,505
90-99 46.6 26.9 108.2 3 12,065 32 51,552 6 11,148
100+ 0 0 0 0 0 0
Total 57.3 7.8 60.8 54 96,308 9,007 13,996,844 94 158,299
GRAND TOTAL 58.2 4.9 54.8 141 229,921 117,919 196,531,941 242 419,362

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.15     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 314.8 0 21 2,339 8,964 1 7
2 401.5 283.9 433.3 2 17 1,988 13,355 0 4
3 188.9 188.9 230.1 1 29 1,755 16,661 1 13
4 181.1 181.1 174.7 1 13 1,587 18,428 1 7
5 185.6 185.6 108.0 1 7 1,268 17,367 1 6
6-10 99.7 99.7 159.1 1 68 2,498 80,642 1 43
11-15 92.1 32.6 130.4 8 90 2,059 63,426 9 69
Total 112.6 30.1 164.6 14 245 13,494 218,843 12 149
Select Experience By Issue Age
0-4 78.8 78.8 149.5 1 30 8,172 133,036 1 20
5-14 161.3 114.1 145.7 2 38 4,314 67,269 1 26
15-24 0.0 0.0 0.0 0 0 658 11,011 0 6
25-34 0.0 0.0 0.0 0 0 5 979 0 1
35-44 0.0 0.0 0.0 0 0 18 1,094 0 1
45-54 627.3 627.3 430.2 1 19 25 1,361 0 4
55-64 83.3 58.9 159.5 2 38 118 1,799 2 24
65-74 134.2 50.7 188.9 7 85 152 1,793 5 45
75-89 56.3 56.3 168.8 1 34 32 495 2 20
90+ 105.1 0 1 0 7 0 1
Total 112.6 30.1 164.6 14 245 13,494 218,843 12 149
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 810 13,727 0 6
20-29 154.7 58.5 129.6 7 61 6,180 64,899 5 47
30-39 150.4 26.6 153.2 32 207 24,436 155,829 21 135
40-49 133.1 13.7 133.2 95 508 47,938 255,837 71 382
50-59 127.5 6.4 127.9 400 2,223 79,438 442,147 314 1,738
60-69 83.6 2.4 84.0 1,256 7,094 120,798 678,525 1,502 8,448
70-79 88.8 1.5 90.6 3,671 18,744 126,127 638,966 4,133 20,699
80-89 97.9 1.1 102.3 7,744 34,409 97,802 422,169 7,913 33,635
90-99 71.8 1.3 80.7 3,273 12,426 19,819 69,092 4,557 15,406
100+ 13.7 1.3 23.9 119 352 1,990 3,415 866 1,476
Total 85.6 0.7 92.7 16,597 76,025 525,338 2,744,606 19,383 81,971
GRAND TOTAL 85.6 0.7 92.9 16,611 76,270 538,832 2,963,449 19,395 82,120

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.16     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 135.7 95.9 110.1 2 45 6,280 191,081 1 41
2 170.7 120.7 77.6 2 25 5,784 177,961 1 32
3 371.0 165.9 170.4 5 58 5,756 177,599 1 34
4 274.2 137.1 150.2 4 55 6,100 186,800 1 37
5 153.8 108.7 118.4 2 40 5,792 172,666 1 34
6-10 95.5 39.0 81.4 6 148 29,754 784,059 6 182
11-15 65.7 20.8 55.5 10 227 37,063 974,677 15 409
Total 109.7 19.7 77.8 31 597 96,529 2,664,843 28 768
Select Experience By Issue Age
0-4 71.6 25.3 46.4 8 139 65,929 1,782,335 11 301
5-14 77.3 29.2 80.6 7 202 26,346 734,359 9 251
15-24 51.7 51.7 83.2 1 57 3,377 122,260 2 69
25-34 1272.9 1272.9 355.4 1 15 136 6,056 0 4
35-44 644.7 644.7 122.0 1 10 156 6,437 0 8
45-54 147.3 147.3 62.0 1 15 213 6,419 1 24
55-64 190.6 95.3 124.7 4 66 206 4,469 2 53
65-74 192.2 85.9 111.6 5 58 144 2,228 3 52
75-89 620.8 358.4 557.2 3 35 22 280 0 6
90+ 0 0 0 0 0 0
Total 109.7 19.7 77.8 31 597 96,529 2,664,843 28 768
Ultimate Experience By Attained Age
15-19 75.3 25.1 61.4 9 208 28,305 802,876 12 339
20-29 88.8 12.0 83.8 55 1,356 86,550 2,268,508 62 1,618
30-39 126.1 14.3 121.2 78 1,628 72,328 1,571,889 62 1,344
40-49 120.9 12.2 113.8 98 2,859 54,574 1,628,309 81 2,513
50-59 107.7 4.7 93.8 532 15,765 123,336 4,266,778 494 16,811
60-69 83.4 2.2 77.7 1,486 36,463 151,299 4,084,506 1,782 46,928
70-79 80.7 1.7 79.2 2,274 48,339 89,662 1,960,142 2,816 61,046
80-89 98.0 1.7 97.1 3,145 63,596 41,093 841,055 3,211 65,508
90-99 81.9 2.7 82.1 949 19,203 5,315 107,090 1,159 23,379
100+ 44.1 9.0 41.8 24 439 127 2,446 54 1,052
Total 88.9 1.0 86.1 8,650 189,856 652,589 17,533,600 9,733 220,537
GRAND TOTAL 88.9 1.0 86.1 8,681 190,454 749,118 20,198,444 9,762 221,305

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.17     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 78.4 78.4 65.9 1 50 5,489 328,123 1 76
2 173.7 122.8 180.3 2 124 4,866 292,332 1 69
3 0.0 0.0 0.0 0 0 4,408 265,164 1 68
4 0.0 0.0 0.0 0 0 4,338 260,670 2 97
5 127.9 73.8 105.7 3 150 4,628 275,315 2 142
6-10 82.6 18.9 80.3 19 1,069 25,263 1,453,998 23 1,331
11-15 51.8 14.4 50.7 13 752 20,221 1,163,848 25 1,481
Total 68.3 11.1 65.7 38 2,145 69,214 4,039,450 56 3,264
Select Experience By Issue Age
0-4 93.0 41.6 97.9 5 303 33,737 1,942,957 5 310
5-14 85.4 42.7 85.8 4 241 15,431 923,879 5 281
15-24 114.8 57.4 118.7 4 235 5,976 343,149 3 198
25-34 109.6 54.8 105.7 4 225 5,190 300,461 4 213
35-44 103.9 42.4 99.0 6 350 4,117 247,963 6 353
45-54 33.3 16.7 28.0 4 200 3,114 185,484 12 715
55-64 42.6 17.4 41.8 6 340 1,389 80,265 14 815
65-74 72.3 36.2 62.7 4 200 246 14,397 6 319
75-89 96.4 96.4 83.1 1 50 15 896 1 60
90+ 0 0 0 0 0 0
Total 68.3 11.1 65.7 38 2,145 69,214 4,039,450 56 3,264
Ultimate Experience By Attained Age
15-19 45.4 45.4 34.0 1 54 5,291 377,710 2 159
20-29 119.2 30.8 126.4 15 1,135 17,558 1,255,170 13 898
30-39 89.1 29.7 76.7 9 528 11,810 806,439 10 688
40-49 135.8 35.1 99.7 15 1,066 7,296 680,766 11 1,069
50-59 101.5 12.1 98.4 70 6,904 17,491 1,819,888 69 7,014
60-69 71.8 6.1 70.1 138 11,230 16,804 1,420,615 192 16,024
70-79 76.4 5.8 77.6 171 13,691 7,213 568,742 224 17,645
80-89 97.4 6.5 94.4 226 17,751 2,998 242,177 232 18,805
90-99 86.8 10.2 87.1 73 5,900 387 31,288 84 6,773
100+ 58.3 41.3 62.2 2 136 8 512 3 219
Total 85.7 3.2 84.3 720 58,394 86,856 7,203,306 841 69,295
GRAND TOTAL 84.6 3.1 83.4 758 60,539 156,071 11,242,757 896 72,559

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.18     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 59.0 59.0 91.2 1 200 7,715 974,210 2 219
2 65.7 65.7 50.7 1 100 7,097 884,255 2 197
3 129.3 91.4 130.7 2 275 6,268 787,425 2 210
4 0.0 0.0 0.0 0 0 5,922 755,955 2 268
5 114.9 66.3 110.5 3 410 6,075 795,840 3 371
6-10 58.1 17.5 49.1 11 1,350 24,557 3,348,748 19 2,751
11-15 55.8 16.1 46.2 12 1,320 16,632 2,148,772 22 2,857
Total 60.3 11.0 53.2 30 3,655 74,266 9,695,206 50 6,874
Select Experience By Issue Age
0-4 65.2 37.7 71.9 3 400 30,216 3,650,562 5 556
5-14 37.5 26.5 29.8 2 200 20,327 2,533,056 5 671
15-24 57.6 40.7 67.6 2 300 6,188 798,913 3 444
25-34 37.0 26.1 23.9 2 200 7,492 1,169,298 5 838
35-44 107.6 35.9 98.2 9 1,275 5,888 939,935 8 1,298
45-54 36.8 18.4 29.0 4 450 3,123 464,518 11 1,553
55-64 37.9 21.9 29.0 3 300 866 117,633 8 1,035
65-74 119.9 60.0 98.1 4 410 157 20,005 3 418
75-89 223.6 223.6 196.6 1 120 9 1,285 0 61
90+ 0 0 0 0 0 0
Total 60.3 11.0 53.2 30 3,655 74,266 9,695,206 50 6,874
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,137 299,423 1 124
20-29 75.8 43.7 88.3 3 498 5,550 790,497 4 563
30-39 57.3 40.5 67.2 2 308 4,043 532,849 3 459
40-49 74.3 23.5 96.8 10 1,693 8,802 1,131,177 13 1,748
50-59 81.2 13.5 82.7 36 5,586 11,963 1,801,667 44 6,758
60-69 61.7 8.8 54.7 49 7,004 7,147 1,143,094 79 12,796
70-79 66.1 9.2 70.8 52 9,341 2,530 425,177 79 13,202
80-89 95.4 10.5 92.0 83 13,968 1,127 195,976 87 15,181
90-99 64.8 15.3 71.4 18 3,576 127 22,931 28 5,007
100+ 77.4 77.4 60.8 1 100 3 380 1 165
Total 74.7 4.7 75.1 254 42,073 43,428 6,343,170 340 56,003
GRAND TOTAL 72.8 4.3 72.7 284 45,728 117,694 16,038,376 390 62,878

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.19     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 65.7 29.4 66.8 5 1,450 12,088 3,458,577 8 2,170
2 42.4 21.2 53.7 4 1,450 11,849 3,417,039 9 2,699
3 60.4 22.8 60.3 7 2,025 11,392 3,326,653 12 3,356
4 83.4 31.5 80.5 7 1,975 7,756 2,305,054 8 2,453
5 91.8 37.5 85.0 6 1,650 6,013 1,815,074 7 1,940
6-10 62.0 17.9 63.9 12 3,780 13,791 4,319,766 19 5,918
11-15 0.0 0.0 27.4 0 250 1,910 642,405 3 912
Total 62.5 9.8 64.7 41 12,580 64,800 19,284,568 66 19,447
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,209 1,238,191 1 182
5-14 220.9 156.2 259.5 2 725 3,581 1,074,918 1 280
15-24 78.4 78.4 108.6 1 400 2,611 751,441 1 368
25-34 43.6 25.2 44.1 3 950 14,105 4,344,038 7 2,154
35-44 45.6 18.6 50.1 6 2,025 19,061 5,756,880 13 4,045
45-54 68.7 17.2 68.6 16 4,675 16,114 4,656,333 23 6,814
55-64 71.1 20.5 73.3 12 3,555 4,824 1,378,532 17 4,851
65-74 38.3 38.3 33.2 1 250 295 84,233 3 753
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 62.5 9.8 64.7 41 12,580 64,800 19,284,568 66 19,447
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 255 88,541 0 37
20-29 0.0 0.0 0.0 0 0 542 196,201 0 140
30-39 0.0 0.0 0.0 0 0 279 97,367 0 83
40-49 0.0 0.0 0.0 0 0 323 105,143 0 162
50-59 33.9 33.9 42.4 1 500 773 305,890 3 1,180
60-69 67.5 30.2 43.7 5 1,403 646 280,005 7 3,212
70-79 49.9 20.4 40.8 6 2,053 383 161,072 12 5,036
80-89 40.8 16.7 60.4 6 3,734 193 80,738 15 6,182
90-99 65.6 46.4 121.7 2 1,711 16 6,981 3 1,406
100+ 0 0 0 0 0 0
Total 48.4 10.8 53.9 20 9,401 3,411 1,321,938 41 17,438
GRAND TOTAL 57.0 7.3 59.6 61 21,982 68,211 20,606,506 107 36,885

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.20     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 67.7 39.1 62.3 3 1,540 8,344 4,654,720 4 2,471
2 37.0 26.2 33.3 2 1,000 8,224 4,596,121 5 2,999
3 48.6 28.1 50.7 3 1,750 7,595 4,244,166 6 3,450
4 62.1 35.8 68.0 3 1,850 5,171 2,921,556 5 2,720
5 35.7 25.2 31.6 2 1,000 4,929 2,799,541 6 3,162
6-10 70.1 21.1 70.5 11 6,250 10,984 6,285,710 16 8,867
11-15 0.0 0.0 0.0 0 0 747 449,410 1 668
Total 55.4 11.3 55.0 24 13,390 45,994 25,951,223 43 24,337
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,254 753,796 0 111
5-14 0.0 0.0 0.0 0 0 1,353 855,602 0 239
15-24 508.0 293.3 458.8 3 1,500 1,220 677,156 1 327
25-34 132.8 47.0 133.7 8 4,540 12,683 7,131,158 6 3,395
35-44 52.5 21.4 51.8 6 3,350 17,235 9,707,868 11 6,465
45-54 27.3 13.6 25.0 4 2,050 9,918 5,520,027 15 8,211
55-64 34.4 19.9 40.1 3 1,950 2,196 1,230,902 9 4,867
65-74 0.0 0.0 0.0 0 0 135 74,714 1 721
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 55.4 11.3 55.0 24 13,390 45,994 25,951,223 43 24,337
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 55 37,198 0 16
20-29 0.0 0.0 0.0 0 0 148 99,945 0 72
30-39 0.0 0.0 0.0 0 0 58 39,582 0 34
40-49 0.0 0.0 0.0 0 0 64 38,814 0 60
50-59 276.5 195.5 218.2 2 1,110 187 129,635 1 508
60-69 0.0 0.0 0.0 0 0 176 135,101 2 1,652
70-79 54.6 38.6 40.7 2 1,165 118 91,108 4 2,865
80-89 113.7 46.4 105.6 6 4,536 66 53,706 5 4,296
90-99 94.1 94.1 58.6 1 584 5 4,708 1 996
100+ 0 0 0 0 0 0
Total 84.0 25.3 70.4 11 7,394 878 629,797 13 10,497
GRAND TOTAL 62.1 10.5 59.7 35 20,784 46,872 26,581,020 56 34,834

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.21     TOTAL EXPERIENCE -- MALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 3,467 5,140,212 2 3,067
2 79.9 56.5 57.7 2 2,000 3,352 4,452,352 3 3,469
3 0.0 0.0 0.0 0 0 3,099 4,456,246 3 4,714
4 0.0 0.0 0.0 0 0 2,346 3,315,515 3 4,558
5 77.6 54.9 50.3 2 2,000 1,872 2,773,962 3 3,978
6-10 170.0 47.1 136.9 13 16,100 4,403 6,409,343 8 11,756
11-15 0.0 0.0 0.0 0 0 277 548,757 0 686
Total 80.8 19.6 62.4 17 20,100 18,815 27,096,386 21 32,228
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 424 797,318 0 115
5-14 0.0 0.0 0.0 0 0 535 1,178,043 0 333
15-24 2014.1 1162.8 1117.9 3 3,000 300 522,357 0 268
25-34 111.7 79.0 92.1 2 2,000 3,859 4,654,727 2 2,172
35-44 121.8 49.7 131.5 6 8,800 7,301 9,883,419 5 6,690
45-54 64.2 28.7 43.5 5 5,300 4,991 7,720,931 8 12,184
55-64 19.2 19.2 11.8 1 1,000 1,295 2,128,460 5 8,501
65-74 0.0 0.0 0.0 0 0 112 211,131 1 1,964
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 80.8 19.6 62.4 17 20,100 18,815 27,096,386 21 32,228
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 16 31,797 0 13
20-29 0.0 0.0 0.0 0 0 66 133,759 0 92
30-39 0.0 0.0 0.0 0 0 19 26,854 0 23
40-49 0.0 0.0 0.0 0 0 12 27,548 0 49
50-59 616.4 616.4 883.2 1 3,000 45 88,111 0 340
60-69 0.0 0.0 0.0 0 0 55 107,308 1 1,169
70-79 0.0 0.0 0.0 0 0 37 67,065 1 2,151
80-89 151.9 87.7 146.2 3 6,126 25 49,027 2 4,190
90-99 0.0 0.0 0.0 0 0 4 6,971 1 1,379
100+ 0 0 0 0 0 0
Total 82.6 41.3 97.0 4 9,126 278 538,439 5 9,406
GRAND TOTAL 81.1 17.7 70.2 21 29,226 19,093 27,634,824 26 41,633

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.22     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 62.1 0 1 316 1,984 0 2
2 0.0 0.0 27.4 0 3 403 3,470 1 11
3 129.3 129.3 155.4 1 13 282 3,165 1 9
4 298.1 172.1 166.8 3 18 320 3,842 1 11
5 105.9 105.9 64.0 1 8 259 3,792 1 13
6-10 59.5 34.3 71.7 3 77 1,116 26,168 5 108
11-15 118.6 28.8 107.9 17 291 1,648 51,180 14 270
Total 106.7 21.3 97.6 25 412 4,344 93,601 23 422
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 31 2,057 0 0
5-14 0.0 0.0 0.0 0 0 263 8,733 0 2
15-24 0.0 0.0 155.9 0 7 568 12,825 0 4
25-34 0.0 0.0 26.1 0 4 754 17,963 0 15
35-44 202.6 90.6 140.4 5 101 894 21,195 2 72
45-54 97.7 34.5 75.8 8 134 1,114 21,527 8 177
55-64 41.9 24.2 78.7 3 84 535 7,585 7 107
65-74 183.0 64.7 189.9 8 74 177 1,624 4 39
75-89 186.2 186.2 147.0 1 8 7 91 1 5
90+ 0 0 0 0 0 0
Total 106.7 21.3 97.6 25 412 4,344 93,601 23 422
Ultimate Experience By Attained Age
15-19 1829.0 1829.0 579.1 1 11 293 10,006 0 2
20-29 0.0 0.0 177.8 0 8 992 15,981 0 5
30-39 0.0 0.0 130.6 0 9 1,041 12,547 1 7
40-49 71.1 50.3 104.4 2 47 1,536 24,427 3 45
50-59 53.3 16.1 103.4 11 257 3,331 41,687 21 248
60-69 80.1 10.3 70.9 60 422 5,018 40,973 75 596
70-79 132.0 9.7 148.1 185 1,154 5,183 29,141 140 780
80-89 132.3 7.7 151.1 293 1,306 3,786 15,521 221 864
90-99 89.6 8.8 114.1 103 322 737 1,863 115 282
100+ 31.3 14.0 12.8 5 2 46 45 16 16
Total 111.5 4.3 124.4 660 3,539 21,963 192,190 592 2,845
GRAND TOTAL 111.3 4.3 120.9 685 3,950 26,306 285,792 615 3,266

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.23     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 104.5 60.3 73.0 3 50 2,428 69,724 3 69
2 89.1 33.7 63.9 7 130 2,485 75,994 8 203
3 81.5 28.8 109.3 8 248 2,577 74,114 10 227
4 54.0 22.1 70.3 6 187 2,755 79,237 11 266
5 47.7 19.5 43.2 6 125 2,866 79,130 13 289
6-10 99.7 10.8 101.4 86 1,968 17,113 447,600 86 1,940
11-15 103.4 7.2 99.8 209 4,404 32,531 805,436 202 4,413
Total 97.7 5.4 96.0 325 7,112 62,756 1,631,235 333 7,407
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,152 22,087 0 4
5-14 0.0 0.0 0.0 0 0 8,785 172,118 2 37
15-24 81.3 57.5 61.0 2 45 7,367 218,352 2 74
25-34 86.6 35.3 93.1 6 215 8,668 289,783 7 230
35-44 121.2 17.7 125.9 47 1,371 11,978 352,390 39 1,089
45-54 78.8 8.2 78.8 93 2,187 14,926 373,694 118 2,776
55-64 100.4 9.4 98.1 115 2,239 7,868 165,528 115 2,282
65-74 119.8 16.5 111.4 53 909 1,896 35,384 44 816
75-89 159.7 53.2 147.5 9 146 117 1,898 6 99
90+ 0 0 0 0 0 0
Total 97.7 5.4 96.0 325 7,112 62,756 1,631,235 333 7,407
Ultimate Experience By Attained Age
15-19 0.0 0.0 76.8 0 14 4,653 102,010 1 19
20-29 108.4 44.3 72.6 6 85 18,552 395,533 6 117
30-39 90.7 28.7 140.7 10 338 22,195 473,836 11 240
40-49 107.2 16.0 108.6 45 1,352 22,973 676,396 42 1,245
50-59 96.4 6.3 98.8 235 6,523 40,914 1,123,765 244 6,604
60-69 91.0 4.2 91.8 461 9,963 35,089 766,704 506 10,849
70-79 148.0 5.8 144.7 655 10,562 17,056 283,843 443 7,301
80-89 157.9 7.8 160.4 410 6,084 4,941 72,278 260 3,792
90-99 146.9 17.2 155.5 73 1,225 338 5,326 50 788
100+ 0.0 0.0 0.0 0 0 5 106 2 39
Total 121.2 2.8 116.6 1,895 36,147 166,716 3,899,796 1,563 30,994
GRAND TOTAL 117.1 2.5 112.6 2,220 43,259 229,472 5,531,031 1,896 38,401

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.24     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 2,034 126,908 1 84
2 83.9 48.4 86.9 3 199 2,124 135,125 4 229
3 73.5 42.4 75.8 3 196 2,025 126,934 4 258
4 84.7 42.4 89.7 4 265 2,224 137,992 5 296
5 173.7 61.4 147.6 8 430 2,126 132,117 5 291
6-10 61.8 14.2 56.5 19 1,088 11,058 681,447 31 1,926
11-15 115.6 13.8 112.5 70 4,108 19,720 1,145,695 61 3,650
Total 97.6 9.4 93.3 107 6,286 41,310 2,486,218 110 6,734
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,043 54,854 0 9
5-14 440.9 197.2 419.7 5 250 5,204 273,428 1 60
15-24 127.1 73.4 113.1 3 150 7,244 406,911 2 133
25-34 83.3 34.0 68.3 6 310 9,458 594,470 7 454
35-44 91.9 18.8 100.0 24 1,625 9,153 583,673 26 1,626
45-54 77.3 13.5 73.1 33 1,915 6,868 431,185 43 2,621
55-64 117.7 22.7 110.1 27 1,519 2,036 123,158 23 1,381
65-74 138.7 46.2 126.9 9 516 296 17,961 6 407
75-89 0.0 0.0 0.0 0 0 8 577 1 45
90+ 0 0 0 0 0 0
Total 97.6 9.4 93.3 107 6,286 41,310 2,486,218 110 6,734
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 4,394 233,163 1 43
20-29 107.0 61.8 97.6 3 152 9,753 539,414 3 155
30-39 114.3 51.1 103.4 5 250 8,561 472,877 4 242
40-49 122.6 19.1 116.1 41 2,356 17,560 1,058,621 33 2,030
50-59 76.3 7.2 78.0 111 6,917 26,049 1,587,617 146 8,865
60-69 95.2 9.0 93.3 112 6,391 8,818 515,264 118 6,847
70-79 129.8 20.8 127.9 39 2,229 1,204 69,579 30 1,742
80-89 126.4 30.7 137.0 17 1,112 254 15,144 13 811
90-99 150.0 86.6 160.8 3 182 14 791 2 113
100+ 0 0 0 0 0 0
Total 94.5 5.2 93.9 331 19,587 76,606 4,492,471 350 20,849
GRAND TOTAL 95.3 4.6 93.8 438 25,873 117,916 6,978,689 460 27,583

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.25     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 157.3 70.3 155.1 5 700 5,779 901,280 3 451
2 74.7 30.5 71.5 6 800 5,691 872,443 8 1,119
3 69.5 26.3 88.5 7 1,230 6,079 893,366 10 1,390
4 108.9 32.8 137.2 11 1,926 5,758 841,377 10 1,403
5 75.3 26.6 84.7 8 1,225 5,661 821,577 11 1,447
6-10 71.0 10.3 69.3 47 6,228 27,494 3,843,558 66 8,984
11-15 81.7 11.4 93.8 51 7,540 21,677 2,729,147 62 8,036
Total 79.1 6.8 86.1 135 19,650 78,140 10,902,749 171 22,830
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 365 40,946 0 7
5-14 102.3 102.3 88.9 1 100 4,862 560,150 1 113
15-24 62.7 44.3 103.1 2 411 10,657 1,347,985 3 399
25-34 81.3 23.5 100.3 12 2,113 22,299 3,367,566 15 2,107
35-44 80.4 13.0 93.4 38 6,028 21,902 3,168,287 47 6,455
45-54 69.3 10.1 70.6 47 6,281 14,810 1,995,095 68 8,898
55-64 98.2 18.9 96.8 27 3,448 2,901 375,278 27 3,561
65-74 54.4 27.2 65.9 4 669 319 43,545 7 1,015
75-89 226.5 113.3 217.5 4 600 24 3,896 2 276
90+ 0 0 0 0 0 0
Total 79.1 6.8 86.1 135 19,650 78,140 10,902,749 171 22,830
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 1,232 140,164 0 26
20-29 247.6 175.1 210.1 2 200 2,779 327,901 1 95
30-39 178.5 89.3 158.0 4 400 4,292 483,852 2 253
40-49 79.7 19.3 76.7 17 2,001 11,313 1,377,460 21 2,608
50-59 71.0 9.9 73.4 51 6,441 13,194 1,617,388 72 8,776
60-69 89.6 14.3 94.4 39 4,924 3,279 392,989 44 5,218
70-79 104.9 29.1 99.4 13 1,572 482 61,314 12 1,581
80-89 115.8 33.4 105.2 12 1,417 177 22,984 10 1,347
90-99 211.2 86.2 180.7 6 600 19 2,249 3 332
100+ 0 0 0 0 0 0
Total 87.0 7.2 86.8 144 17,555 36,766 4,426,301 166 20,236
GRAND TOTAL 83.0 5.0 86.4 279 37,205 114,906 15,329,049 336 43,067

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.26     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 2,977 962,795 1 344
2 0.0 0.0 0.0 0 0 2,795 883,859 3 867
3 64.6 45.7 69.2 2 650 2,801 870,240 3 940
4 59.8 42.3 84.3 2 850 2,753 842,097 3 1,008
5 0.0 0.0 25.4 0 300 2,837 860,138 4 1,180
6-10 69.6 18.6 73.8 14 4,400 10,750 3,181,039 20 5,961
11-15 126.5 38.1 130.9 11 3,385 2,559 742,881 9 2,586
Total 67.4 12.5 74.4 29 9,585 27,472 8,343,049 43 12,885
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 27 7,142 0 1
5-14 0.0 0.0 0.0 0 0 508 138,843 0 27
15-24 171.8 171.8 150.7 1 250 2,224 636,952 1 166
25-34 61.1 35.3 53.4 3 800 10,298 3,207,453 5 1,499
35-44 84.0 24.3 104.9 12 4,454 9,576 2,902,181 14 4,245
45-54 32.1 14.4 32.6 5 1,500 4,222 1,258,176 16 4,603
55-64 79.2 39.6 76.8 4 1,210 543 168,367 5 1,576
65-74 168.7 97.4 195.4 3 1,121 67 21,974 2 574
75-89 137.5 137.5 128.6 1 250 7 1,962 1 194
90+ 0 0 0 0 0 0
Total 67.4 12.5 74.4 29 9,585 27,472 8,343,049 43 12,885
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 60 17,497 0 3
20-29 0.0 0.0 0.0 0 0 131 38,078 0 11
30-39 0.0 0.0 0.0 0 0 180 54,687 0 28
40-49 115.5 115.5 96.9 1 250 451 133,800 1 258
50-59 109.9 55.0 112.2 4 1,237 664 200,635 4 1,102
60-69 101.8 58.8 100.2 3 888 220 66,037 3 886
70-79 0.0 0.0 0.0 0 0 72 22,824 2 601
80-89 231.3 133.5 208.2 3 800 22 6,723 1 384
90-99 0.0 0.0 0.0 0 0 3 975 1 164
100+ 0 0 0 0 0 0
Total 97.4 29.4 92.3 11 3,174 1,803 541,256 11 3,438
GRAND TOTAL 73.7 11.6 78.2 40 12,759 29,275 8,884,305 54 16,323

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.27     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 1,245 735,734 0 220
2 0.0 0.0 0.0 0 0 1,149 667,050 1 579
3 103.1 103.1 87.9 1 500 1,071 612,618 1 569
4 0.0 0.0 0.0 0 0 1,028 588,868 1 627
5 86.4 86.4 72.7 1 500 912 514,067 1 688
6-10 38.6 27.3 34.1 2 1,020 2,665 1,481,203 5 2,991
11-15 0.0 0.0 0.0 0 0 538 308,608 2 1,323
Total 33.4 16.7 28.9 4 2,020 8,609 4,908,148 12 6,997
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 5,202 0 1
5-14 0.0 0.0 0.0 0 0 172 90,722 0 18
15-24 0.0 0.0 0.0 0 0 531 290,243 0 72
25-34 69.5 69.5 61.3 1 500 3,583 2,032,683 1 816
35-44 82.8 47.8 73.8 3 1,520 3,024 1,722,552 4 2,059
45-54 0.0 0.0 0.0 0 0 1,096 644,813 4 2,360
55-64 0.0 0.0 0.0 0 0 154 95,989 2 983
65-74 0.0 0.0 0.0 0 0 36 24,444 1 528
75-89 0.0 0.0 0.0 0 0 3 1,500 0 160
90+ 0 0 0 0 0 0
Total 33.4 16.7 28.9 4 2,020 8,609 4,908,148 12 6,997
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 13 7,068 0 1
20-29 0.0 0.0 0.0 0 0 26 15,488 0 4
30-39 0.0 0.0 0.0 0 0 50 29,386 0 14
40-49 0.0 0.0 0.0 0 0 66 38,920 0 76
50-59 0.0 0.0 0.0 0 0 120 68,972 1 402
60-69 104.4 104.4 268.9 1 1,509 69 40,453 1 561
70-79 0.0 0.0 0.0 0 0 21 12,382 1 354
80-89 0.0 0.0 0.0 0 0 15 9,014 1 466
90-99 300.9 300.9 300.9 1 513 2 1,027 0 171
100+ 0 0 0 0 0 0
Total 56.6 40.0 98.7 2 2,022 383 222,710 4 2,050
GRAND TOTAL 38.6 15.8 44.7 6 4,042 8,992 5,130,858 16 9,047

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.28     TOTAL EXPERIENCE -- FEMALE SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 273 450,625 0 204
2 0.0 0.0 0.0 0 0 235 455,915 0 598
3 0.0 0.0 0.0 0 0 209 355,408 0 710
4 0.0 0.0 0.0 0 0 197 263,451 0 484
5 0.0 0.0 0.0 0 0 170 308,585 0 576
6-10 67.8 67.8 33.2 1 1,000 496 820,700 1 3,013
11-15 0.0 0.0 0.0 0 0 155 292,142 1 1,718
Total 26.0 26.0 13.7 1 1,000 1,736 2,946,827 4 7,302
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 2,300 0 0
5-14 0.0 0.0 0.0 0 0 23 30,407 0 6
15-24 0.0 0.0 0.0 0 0 84 194,430 0 46
25-34 442.3 442.3 260.4 1 1,000 572 922,267 0 384
35-44 0.0 0.0 0.0 0 0 634 959,221 1 1,396
45-54 0.0 0.0 0.0 0 0 322 617,192 1 2,633
55-64 0.0 0.0 0.0 0 0 76 180,168 1 1,760
65-74 0.0 0.0 0.0 0 0 19 27,941 0 556
75-89 0.0 0.0 0.0 0 0 4 12,900 0 521
90+ 0 0 0 0 0 0
Total 26.0 26.0 13.7 1 1,000 1,736 2,946,827 4 7,302
Ultimate Experience By Attained Age
15-19 0 0 0 0 0 0
20-29 0.0 0.0 0.0 0 0 5 8,593 0 3
30-39 0.0 0.0 0.0 0 0 19 32,208 0 18
40-49 0.0 0.0 0.0 0 0 44 105,286 0 186
50-59 0.0 0.0 0.0 0 0 50 72,725 0 425
60-69 0.0 0.0 0.0 0 0 28 35,287 0 531
70-79 0.0 0.0 0.0 0 0 13 25,585 0 731
80-89 0.0 0.0 0.0 0 0 15 24,970 1 1,113
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 0.0 0.0 0.0 0 0 175 304,655 2 3,006
GRAND TOTAL 17.4 17.4 9.7 1 1,000 1,911 3,251,482 6 10,309

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.29     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 3.5 0 0 2,503 13,108 1 5
2 146.9 84.8 94.4 3 17 2,157 21,223 2 18
3 0.0 0.0 30.1 0 5 1,577 20,784 2 18
4 297.9 133.2 169.4 5 34 1,476 21,633 2 20
5 114.1 80.7 111.6 2 26 1,164 19,873 2 24
6-10 73.6 26.0 68.3 8 158 3,461 100,995 11 231
11-15 110.0 17.6 101.8 39 554 4,552 129,389 35 545
Total 105.2 13.9 92.4 57 795 16,891 327,005 54 860
Select Experience By Issue Age
0-4 0.0 0 0 0 280 0 0
5-14 0.0 0.0 0.0 0 0 20 3,090 0 1
15-24 0.0 0.0 73.7 0 8 2,103 45,777 0 10
25-34 0.0 0.0 44.7 0 14 3,720 78,815 1 31
35-44 198.9 89.0 142.9 5 99 3,606 73,446 3 69
45-54 86.6 30.6 74.2 8 158 3,804 73,339 9 212
55-64 97.6 25.2 73.6 15 194 2,401 38,633 15 264
65-74 107.4 24.0 116.4 20 239 1,093 12,296 19 205
75-89 129.3 43.1 124.6 9 83 144 1,330 7 67
90+ 0 0 0 0 0 0
Total 105.2 13.9 92.4 57 795 16,891 327,005 54 860
Ultimate Experience By Attained Age
15-19 0.0 0.0 1257.8 0 3 26 1,325 0 0
20-29 0.0 0.0 559.0 0 8 301 4,493 0 1
30-39 0.0 0.0 149.7 0 10 970 15,279 0 7
40-49 151.7 87.6 134.8 3 56 2,262 47,624 2 42
50-59 91.3 30.4 115.2 9 193 4,811 83,164 10 167
60-69 72.1 12.5 74.1 33 434 7,077 93,632 46 586
70-79 75.9 7.4 74.4 104 869 8,462 73,789 137 1,168
80-89 116.3 5.8 117.4 405 2,629 7,108 46,902 348 2,240
90-99 90.8 6.9 91.2 174 984 1,252 7,070 192 1,078
100+ 37.4 37.4 52.7 1 8 8 44 3 14
Total 98.8 3.7 97.9 729 5,193 32,278 373,321 738 5,304
GRAND TOTAL 99.2 3.5 97.1 786 5,987 49,169 700,327 792 6,165

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.30     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 47.9 24.0 32.9 4 70 11,216 371,993 8 213
2 65.4 19.7 79.0 11 347 11,143 380,552 17 440
3 94.2 21.6 101.8 19 520 10,588 356,365 20 511
4 41.7 13.2 64.9 10 394 10,765 370,310 24 606
5 56.5 14.6 47.8 15 315 10,381 351,246 27 659
6-10 77.6 5.9 66.5 175 3,579 57,637 1,863,681 226 5,382
11-15 77.3 3.8 71.0 414 8,875 82,799 2,561,099 536 12,499
Total 75.6 3.0 69.4 648 14,100 194,530 6,255,246 857 20,310
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 240 7,029 0 1
5-14 0.0 0.0 0.0 0 0 1,698 55,816 0 13
15-24 71.0 35.5 52.2 4 111 23,245 870,957 6 213
25-34 106.5 28.5 74.6 14 430 31,889 1,384,530 13 577
35-44 108.4 18.6 94.2 34 1,074 31,523 1,207,356 31 1,140
45-54 75.4 7.6 75.4 98 2,637 43,980 1,286,002 130 3,497
55-64 69.3 4.8 61.0 208 4,156 41,672 1,001,008 300 6,818
65-74 76.5 5.2 69.7 217 4,266 18,217 400,312 284 6,119
75-89 78.8 9.2 73.8 73 1,426 2,064 42,237 93 1,932
90+ 0 0 0 0 0 0
Total 75.6 3.0 69.4 648 14,100 194,530 6,255,246 857 20,310
Ultimate Experience By Attained Age
15-19 151.9 151.9 77.5 1 14 3,489 95,685 1 18
20-29 110.3 49.3 120.2 5 137 15,204 384,652 5 114
30-39 93.7 29.6 89.2 10 274 25,146 709,960 11 307
40-49 123.6 16.7 122.4 55 1,982 52,449 1,900,921 45 1,619
50-59 88.2 7.4 87.5 143 4,679 80,468 2,694,639 162 5,347
60-69 69.8 3.5 67.7 391 9,701 88,637 2,329,764 561 14,322
70-79 79.7 2.8 79.1 792 15,510 63,574 1,273,670 993 19,605
80-89 101.1 2.6 97.1 1,519 24,397 32,781 553,750 1,502 25,121
90-99 90.6 4.1 90.3 491 8,326 3,676 62,366 542 9,215
100+ 110.9 49.6 127.6 5 124 13 282 5 98
Total 89.2 1.5 86.0 3,412 65,144 365,437 10,005,688 3,825 75,765
GRAND TOTAL 86.7 1.4 82.5 4,060 79,244 559,967 16,260,934 4,682 96,075

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.31     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 124.0 46.9 122.1 7 432 15,136 972,365 6 354
2 105.0 31.7 137.2 11 900 14,032 908,752 10 656
3 40.8 18.3 48.5 5 370 12,433 800,386 12 763
4 78.7 23.7 99.0 11 845 11,851 774,072 14 853
5 61.3 20.4 52.5 9 475 11,164 721,503 15 905
6-10 78.7 8.5 82.8 86 5,708 50,968 3,358,271 109 6,894
11-15 75.8 5.9 72.4 164 9,751 66,682 4,192,590 216 13,468
Total 76.6 4.5 77.4 293 18,482 182,266 11,727,940 383 23,893
Select Experience By Issue Age
0-4 5905.4 5905.4 9860.6 1 98 100 5,844 0 1
5-14 0.0 0.0 0.0 0 0 2,220 124,442 1 30
15-24 83.9 37.5 82.9 5 300 24,829 1,524,240 6 362
25-34 98.3 23.9 112.7 17 1,322 44,708 3,001,869 17 1,173
35-44 103.3 16.3 112.2 40 2,856 42,873 2,862,445 39 2,546
45-54 62.8 8.2 67.7 59 3,923 40,188 2,548,107 94 5,794
55-64 68.8 7.7 69.1 79 4,791 20,919 1,266,402 115 6,930
65-74 76.4 9.6 69.3 63 3,589 5,911 361,089 82 5,183
75-89 100.6 18.7 86.0 29 1,603 517 33,425 29 1,864
90+ 0.0 0.0 0.0 0 0 1 75 0 11
Total 76.6 4.5 77.4 293 18,482 182,266 11,727,940 383 23,893
Ultimate Experience By Attained Age
15-19 306.5 306.5 265.6 1 50 1,705 99,030 0 19
20-29 86.6 61.2 89.4 2 116 8,053 453,353 2 130
30-39 63.4 31.7 59.1 4 217 14,519 843,219 6 368
40-49 83.9 13.3 85.8 40 2,649 54,917 3,541,706 48 3,086
50-59 79.4 6.9 80.9 133 8,799 85,547 5,576,025 168 10,880
60-69 68.5 5.0 69.8 187 11,476 47,931 2,910,351 273 16,441
70-79 82.6 6.9 85.7 145 8,740 11,929 692,428 175 10,194
80-89 80.8 6.6 79.9 148 8,874 3,827 230,696 183 11,101
90-99 73.7 9.1 71.7 66 3,914 589 35,855 90 5,457
100+ 0.0 0.0 0.0 0 0 4 342 1 108
Total 76.7 2.8 77.6 726 44,836 229,019 14,383,007 947 57,783
GRAND TOTAL 76.7 2.4 77.5 1,019 63,318 411,286 26,110,946 1,329 81,677

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.32     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 53.0 20.0 74.7 7 1,480 45,162 7,350,020 13 1,982
2 58.4 15.1 52.7 15 1,997 45,885 7,304,564 26 3,787
3 82.3 15.6 83.1 28 4,078 47,329 7,381,315 34 4,909
4 60.2 12.8 60.6 22 3,200 44,471 6,984,590 37 5,282
5 71.2 13.7 74.0 27 4,002 41,912 6,482,816 38 5,407
6-10 74.8 5.3 76.9 198 28,734 190,788 28,668,395 265 37,388
11-15 73.2 4.5 74.8 260 35,699 154,468 21,053,884 355 47,737
Total 72.6 3.1 74.4 557 79,191 570,014 85,225,583 767 106,492
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 252 31,919 0 5
5-14 0.0 0.0 0.0 0 0 3,558 438,859 1 95
15-24 106.4 29.5 105.0 13 1,684 56,658 7,589,347 12 1,604
25-34 85.2 11.4 93.0 56 9,333 171,165 27,097,263 66 10,040
35-44 93.7 8.2 94.7 130 19,415 172,256 26,765,969 139 20,506
45-54 63.2 5.5 64.5 130 18,196 117,608 16,857,596 206 28,229
55-64 58.3 5.9 60.3 99 13,385 40,229 5,330,952 170 22,201
65-74 70.7 8.1 67.5 76 9,896 7,258 970,932 108 14,660
75-89 79.7 10.9 79.6 53 7,283 1,032 142,747 66 9,150
90+ 0 0 0 0 0 0
Total 72.6 3.1 74.4 557 79,191 570,014 85,225,583 767 106,492
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 2,006 252,579 0 47
20-29 0.0 0.0 0.0 0 0 4,776 581,668 1 166
30-39 87.7 39.2 83.4 5 558 12,818 1,503,330 6 670
40-49 82.4 11.5 83.2 51 6,651 70,917 9,125,434 62 7,997
50-59 72.9 6.4 78.5 131 18,168 94,594 12,237,198 180 23,156
60-69 64.2 5.7 68.1 125 16,401 35,762 4,435,364 195 24,067
70-79 50.7 6.8 55.1 56 7,619 7,363 917,469 111 13,835
80-89 76.1 6.7 78.4 130 17,797 3,426 454,395 171 22,701
90-99 90.5 10.5 94.3 75 10,075 546 70,129 83 10,681
100+ 0.0 0.0 0.0 0 0 4 500 1 168
Total 70.8 3.0 74.7 573 77,269 232,212 29,578,067 809 103,489
GRAND TOTAL 71.7 2.1 74.5 1,130 156,460 802,227 114,803,650 1,576 209,981

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.33     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 42.6 24.6 57.2 3 1,350 32,408 11,206,032 7 2,360
2 32.3 16.1 31.7 4 1,300 29,993 10,236,100 12 4,098
3 82.9 23.0 74.2 13 3,785 30,665 10,249,547 16 5,101
4 63.9 19.3 63.8 11 3,470 30,062 9,819,961 17 5,443
5 58.7 17.7 63.4 11 3,740 29,656 9,468,384 19 5,898
6-10 73.4 7.9 74.6 86 26,675 121,155 37,057,984 117 35,734
11-15 84.2 10.3 86.8 67 21,110 37,590 11,294,774 80 24,314
Total 72.8 5.2 74.1 195 61,429 311,528 99,332,783 268 82,947
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 46 13,002 0 2
5-14 0.0 0.0 0.0 0 0 826 232,622 0 50
15-24 0.0 0.0 0.0 0 0 17,881 5,342,479 3 987
25-34 75.7 14.6 77.9 27 8,802 110,185 35,875,915 36 11,293
35-44 74.0 10.2 74.6 53 16,657 114,366 36,808,079 72 22,332
45-54 70.7 9.9 71.3 51 15,580 55,959 17,292,539 72 21,863
55-64 42.1 10.5 40.1 16 4,640 10,233 3,121,482 38 11,578
65-74 125.1 22.1 135.5 32 10,864 1,639 518,816 26 8,019
75-89 75.2 18.8 71.6 16 4,886 393 127,848 21 6,823
90+ 0 0 0 0 0 0
Total 72.8 5.2 74.1 195 61,429 311,528 99,332,783 268 82,947
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 295 88,312 0 17
20-29 455.9 455.9 407.3 1 261 752 219,892 0 64
30-39 171.7 171.7 205.0 1 342 1,397 399,821 1 167
40-49 35.6 25.2 49.6 2 841 6,350 1,912,664 6 1,697
50-59 45.1 15.9 39.8 8 2,134 9,319 2,817,717 18 5,362
60-69 66.9 17.9 70.2 14 4,414 3,802 1,142,997 21 6,290
70-79 74.3 21.5 76.8 12 3,818 1,046 321,437 16 4,969
80-89 78.9 16.4 89.1 23 8,121 607 188,916 29 9,118
90-99 84.9 25.6 85.6 11 3,470 89 27,738 13 4,052
100+ 0 0 0 0 0 0
Total 69.6 8.2 73.7 72 23,402 23,657 7,119,494 103 31,736
GRAND TOTAL 71.9 4.4 74.0 267 84,831 335,185 106,452,277 371 114,683

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.34     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 24.2 24.2 19.7 1 500 22,064 13,592,884 4 2,532
2 58.8 29.4 48.4 4 2,000 19,824 12,069,690 7 4,130
3 61.5 27.5 54.7 5 2,650 19,482 11,636,093 8 4,842
4 23.4 16.5 25.0 2 1,263 18,040 10,599,205 9 5,048
5 55.0 24.6 61.5 5 3,261 16,263 9,463,819 9 5,304
6-10 75.0 13.1 71.4 33 18,031 47,689 27,160,489 44 25,245
11-15 98.4 18.6 91.3 28 14,777 10,674 5,966,715 28 16,177
Total 71.5 8.1 67.1 78 42,482 154,036 90,488,895 109 63,277
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6 3,393 0 1
5-14 0.0 0.0 0.0 0 0 201 112,846 0 25
15-24 269.6 155.7 243.6 3 1,500 6,462 3,597,144 1 616
25-34 74.7 21.6 64.8 12 6,005 58,945 34,503,799 16 9,267
35-44 78.8 15.8 72.9 25 13,465 62,205 36,896,564 32 18,459
45-54 62.9 15.7 60.4 16 8,868 21,792 12,761,535 25 14,694
55-64 43.9 17.9 42.8 6 3,430 3,471 2,043,108 14 8,019
65-74 68.5 24.2 70.5 8 4,913 756 457,119 12 6,970
75-89 85.2 30.1 82.3 8 4,302 198 113,387 9 5,227
90+ 0 0 0 0 0 0
Total 71.5 8.1 67.1 78 42,482 154,036 90,488,895 109 63,277
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 28 15,579 0 3
20-29 0.0 0.0 0.0 0 0 108 59,534 0 18
30-39 842.7 842.7 871.6 1 600 285 164,913 0 69
40-49 0.0 0.0 0.0 0 0 1,110 620,338 1 560
50-59 109.2 48.8 105.0 5 2,731 2,349 1,332,472 5 2,600
60-69 91.5 37.3 88.7 6 3,382 1,159 673,348 7 3,813
70-79 61.6 30.8 55.4 4 2,103 417 242,588 6 3,796
80-89 102.6 29.6 100.2 12 6,849 249 145,470 12 6,838
90-99 61.0 35.2 75.4 3 2,406 33 21,541 5 3,193
100+ 170.5 120.6 172.4 2 1,021 4 2,021 1 593
Total 90.2 15.7 88.9 33 19,093 5,743 3,277,804 37 21,483
GRAND TOTAL 76.2 7.2 72.6 111 61,575 159,779 93,766,699 146 84,760

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.35     TOTAL EXPERIENCE -- FEMALE NON-SMOKERS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 63.4 63.4 53.0 1 1,500 7,185 10,950,801 2 2,829
2 0.0 0.0 40.4 0 2,000 6,231 9,227,922 3 4,945
3 152.6 68.2 139.6 5 8,800 5,698 8,666,230 3 6,302
4 68.6 48.5 42.5 2 2,000 4,804 6,747,540 3 4,703
5 31.5 31.5 24.7 1 1,364 4,223 6,220,943 3 5,533
6-10 50.8 18.0 73.5 8 19,587 11,187 15,924,885 16 26,648
11-15 83.2 25.1 65.5 11 15,631 3,031 4,976,822 13 23,865
Total 65.6 12.4 68.0 28 50,882 42,358 62,715,143 43 74,826
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6 11,953 0 2
5-14 0.0 0.0 0.0 0 0 69 111,998 0 27
15-24 553.7 553.7 324.1 1 1,000 1,021 1,745,943 0 309
25-34 29.8 29.8 22.3 1 1,000 12,848 17,114,801 3 4,494
35-44 54.7 24.5 56.7 5 7,500 18,795 26,931,794 9 13,228
45-54 79.7 30.1 53.2 7 7,664 7,293 11,838,318 9 14,393
55-64 15.0 15.0 7.8 1 1,000 1,667 3,421,546 7 12,743
65-74 68.4 30.6 93.1 5 15,593 492 1,188,444 7 16,743
75-89 110.4 39.0 132.9 8 17,125 167 350,344 7 12,888
90+ 0 0 0 0 0 0
Total 65.6 12.4 68.0 28 50,882 42,358 62,715,143 43 74,826
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 5 5,250 0 1
20-29 0.0 0.0 0.0 0 0 31 34,103 0 10
30-39 0.0 0.0 0.0 0 0 103 161,977 0 67
40-49 0.0 0.0 0.0 0 0 343 659,157 0 563
50-59 68.1 68.1 44.0 1 1,049 722 1,167,282 1 2,386
60-69 141.4 70.7 139.4 4 6,034 487 731,976 3 4,329
70-79 27.5 27.5 29.2 1 2,000 222 407,265 4 6,840
80-89 75.7 30.9 63.6 6 8,667 159 269,892 8 13,626
90-99 90.4 63.9 72.6 2 4,000 15 38,218 2 5,509
100+ 0 0 0 0 0 0
Total 76.0 20.3 65.3 14 21,750 2,087 3,475,121 18 33,331
GRAND TOTAL 68.7 10.6 67.2 42 72,632 44,445 66,190,264 61 108,158

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.36     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE < $10,000
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 124.4 0 5 2,235 9,530 1 4
2 0.0 0.0 0.0 0 0 1,908 14,622 0 3
3 561.3 396.9 346.5 2 20 1,463 16,295 0 6
4 309.5 309.5 201.2 1 7 1,195 15,482 0 4
5 1325.5 541.1 985.7 6 38 910 13,610 0 4
6-10 152.6 152.6 137.4 1 23 1,586 57,439 1 17
11-15 125.3 30.4 138.1 17 107 1,326 40,271 14 77
Total 166.0 31.9 175.1 27 199 10,625 167,250 16 114
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 6,343 98,224 1 11
5-14 222.8 222.8 253.7 1 22 3,333 53,632 0 9
15-24 0.0 0.0 0.0 0 0 491 9,143 0 2
25-34 0.0 0 0 0 899 0 0
35-44 0.0 0.0 986.2 0 6 9 763 0 1
45-54 619.6 619.6 481.7 1 13 24 943 0 3
55-64 193.8 96.9 201.3 4 34 142 1,662 2 17
65-74 180.3 52.1 185.0 12 75 207 1,506 7 40
75-89 151.5 50.5 159.1 9 49 76 474 6 31
90+ 126.6 0 1 0 3 0 0
Total 166.0 31.9 175.1 27 199 10,625 167,250 16 114
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 660 11,868 0 2
20-29 0.0 0.0 69.4 0 11 5,284 54,138 2 16
30-39 93.7 28.2 118.5 11 84 23,866 146,346 12 71
40-49 133.3 17.4 126.1 59 302 41,888 223,737 44 240
50-59 115.8 7.0 117.9 274 1,634 72,100 429,174 237 1,386
60-69 67.4 2.5 68.9 736 3,815 103,805 532,270 1,092 5,533
70-79 101.5 2.3 108.2 1,969 8,778 89,828 378,600 1,940 8,112
80-89 108.0 1.6 111.3 4,652 17,333 76,523 278,616 4,309 15,578
90-99 83.2 1.6 91.7 2,872 9,772 21,119 66,585 3,452 10,656
100+ 29.6 2.3 50.2 162 495 1,526 2,855 548 985
Total 92.3 0.9 99.2 10,735 42,225 436,598 2,124,189 11,635 42,579
GRAND TOTAL 92.4 0.9 99.4 10,762 42,424 447,223 2,291,439 11,652 42,693

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.37     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $10,000-$49,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 5,885 182,786 1 37
2 343.7 198.4 151.1 3 35 5,641 177,434 1 23
3 213.4 150.9 105.1 2 25 5,586 179,003 1 24
4 303.2 175.1 142.5 3 35 5,827 181,205 1 25
5 410.0 205.0 302.7 4 74 5,745 177,025 1 25
6-10 147.6 60.3 99.2 6 118 28,929 816,932 4 119
11-15 76.1 25.4 80.8 9 238 35,859 1,009,173 12 294
Total 129.1 24.8 96.1 27 525 93,471 2,723,559 21 547
Select Experience By Issue Age
0-4 27.4 19.4 27.2 2 58 63,923 1,835,274 7 212
5-14 98.3 49.2 72.3 4 86 25,339 741,940 4 119
15-24 0.0 0.0 213.1 0 58 3,160 116,848 1 27
25-34 0.0 0.0 0.0 0 0 131 5,800 0 2
35-44 719.4 719.4 122.9 1 10 171 7,223 0 8
45-54 405.4 202.7 202.5 4 55 272 7,609 1 27
55-64 264.7 108.1 205.3 6 103 246 5,103 2 50
65-74 181.0 73.9 133.4 6 95 192 3,244 3 71
75-89 195.0 97.5 208.2 4 60 38 518 2 29
90+ 0 0 0 0 0 0
Total 129.1 24.8 96.1 27 525 93,471 2,723,559 21 547
Ultimate Experience By Attained Age
15-19 124.1 50.7 146.2 6 208 26,565 785,153 5 142
20-29 101.8 20.8 91.5 24 567 81,418 2,152,801 24 619
30-39 115.1 20.0 108.0 33 671 63,014 1,369,304 29 621
40-49 86.0 13.4 87.6 41 1,384 44,197 1,411,743 48 1,580
50-59 88.1 5.5 83.8 260 7,931 93,140 3,044,464 295 9,459
60-69 70.6 3.2 68.8 480 11,862 70,040 1,819,503 680 17,235
70-79 87.0 3.8 83.2 524 9,721 28,838 564,195 602 11,686
80-89 116.0 4.5 112.2 655 11,265 11,067 196,480 565 10,043
90-99 84.1 6.1 80.1 190 3,199 1,451 25,635 226 3,991
100+ 78.6 27.8 81.3 8 194 29 664 10 238
Total 89.4 1.9 84.5 2,221 47,001 419,759 11,369,941 2,483 55,615
GRAND TOTAL 89.8 1.9 84.6 2,248 47,527 513,230 14,093,500 2,504 56,161

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.38     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $50,000-$99,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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
1 171.7 121.4 141.1 2 100 5,407 328,817 1 71
2 101.8 101.8 87.0 1 50 4,896 296,804 1 57
3 102.8 102.8 88.3 1 50 4,230 255,831 1 57
4 71.4 71.4 60.7 1 50 4,403 269,256 1 82
5 50.4 50.4 43.5 1 50 4,709 285,366 2 115
6-10 52.0 15.7 45.8 11 550 26,644 1,536,998 21 1,200
11-15 41.5 13.1 42.2 10 581 21,690 1,272,604 24 1,377
Total 52.2 10.0 48.4 27 1,431 71,979 4,245,677 52 2,959
Select Experience By Issue Age
0-4 53.0 37.5 44.5 2 100 32,645 1,932,256 4 225
5-14 45.1 45.1 37.2 1 50 15,064 910,331 2 135
15-24 124.9 88.3 111.9 2 101 6,147 351,618 2 90
25-34 113.9 65.8 96.2 3 150 6,204 362,613 3 156
35-44 84.7 37.9 71.7 5 250 5,582 328,804 6 349
45-54 36.9 16.5 36.3 5 280 4,212 241,571 14 772
55-64 37.1 16.6 40.1 5 300 1,666 92,900 13 748
65-74 59.6 29.8 53.3 4 200 416 23,127 7 375
75-89 0.0 0.0 0.0 0 0 43 2,455 2 109
90+ 0 0 0 0 0 0
Total 52.2 10.0 48.4 27 1,431 71,979 4,245,677 52 2,959
Ultimate Experience By Attained Age
15-19 0.0 0.0 87.5 0 73 5,548 456,292 1 83
20-29 18.7 18.7 25.2 1 102 18,490 1,403,287 5 403
30-39 82.3 41.1 93.3 4 305 10,685 722,694 5 326
40-49 109.3 44.6 96.6 6 520 5,168 485,297 5 538
50-59 55.7 15.5 45.3 13 1,016 7,653 764,218 23 2,243
60-69 56.0 10.4 53.3 29 1,897 5,323 373,984 52 3,557
70-79 40.5 11.7 42.7 12 828 1,449 94,409 30 1,940
80-89 73.6 16.5 85.6 20 1,605 519 35,153 27 1,874
90-99 97.2 27.0 99.4 13 929 88 6,097 13 935
100+ 274.7 274.7 274.7 1 56 1 56 0 20
Total 61.0 6.1 61.5 99 7,331 54,924 4,341,489 162 11,920
GRAND TOTAL 58.8 5.2 58.9 126 8,762 126,903 8,587,166 214 14,879

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.39     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $100,000-$249,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 7,873 986,904 1 183
2 0.0 0.0 0.0 0 0 7,384 923,685 1 138
3 0.0 0.0 0.0 0 0 6,648 837,092 1 156
4 0.0 0.0 0.0 0 0 6,304 801,442 1 166
5 274.9 122.9 243.6 5 600 6,342 837,337 2 246
6-10 48.9 18.5 48.1 7 950 26,253 3,548,448 14 1,976
11-15 72.5 20.9 80.8 12 1,721 17,988 2,277,599 17 2,129
Total 63.8 13.0 65.5 24 3,271 78,793 10,212,507 38 4,994
Select Experience By Issue Age
0-4 54.3 38.4 68.3 2 304 31,624 3,827,499 4 445
5-14 73.0 51.6 58.0 2 200 20,263 2,542,676 3 345
15-24 59.3 59.3 46.8 1 100 6,674 855,362 2 214
25-34 152.8 62.4 188.8 6 1,100 9,290 1,397,650 4 583
35-44 44.3 25.6 42.5 3 417 6,766 1,018,961 7 981
45-54 45.1 22.6 46.6 4 550 3,213 448,460 9 1,180
55-64 34.2 24.2 28.1 2 200 761 96,726 6 712
65-74 99.7 57.5 80.4 3 300 180 22,239 3 373
75-89 93.0 93.0 62.1 1 100 22 2,934 1 161
90+ 0 0 0 0 0 0
Total 63.8 13.0 65.5 24 3,271 78,793 10,212,507 38 4,994
Ultimate Experience By Attained Age
15-19 0.0 0.0 162.1 0 103 2,358 354,629 0 64
20-29 120.3 85.1 172.8 2 418 5,800 848,664 2 242
30-39 254.6 127.3 194.2 4 402 3,311 442,204 2 207
40-49 108.8 38.5 88.5 8 800 6,806 833,772 7 904
50-59 76.9 18.1 69.8 18 2,076 8,010 1,015,018 23 2,974
60-69 33.8 12.0 26.3 8 800 2,635 337,915 24 3,046
70-79 71.6 27.1 62.2 7 867 466 65,965 10 1,393
80-89 113.5 31.5 98.0 13 1,684 203 31,101 11 1,719
90-99 34.2 24.2 29.6 2 225 34 4,539 6 759
100+ 316.6 223.9 316.6 2 446 2 446 1 141
Total 74.6 9.3 68.3 64 7,820 29,624 3,934,253 86 11,449
GRAND TOTAL 71.3 7.6 67.5 88 11,092 108,417 14,146,760 123 16,443

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.40     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $250,000-$499,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 12,276 3,464,418 4 992
2 0.0 0.0 0.0 0 0 11,993 3,401,198 5 1,348
3 66.2 33.1 66.2 4 1,130 11,461 3,267,967 6 1,707
4 91.7 45.8 80.0 4 1,000 7,823 2,282,037 4 1,251
5 144.8 64.8 208.4 5 2,090 6,101 1,809,505 3 1,003
6-10 20.0 14.2 21.9 2 650 13,042 3,966,368 10 2,965
11-15 68.2 68.2 66.2 1 300 1,673 544,384 1 453
Total 47.5 11.9 53.2 16 5,170 64,371 18,735,877 34 9,719
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 4,453 1,319,093 1 152
5-14 0.0 0.0 0.0 0 0 3,563 1,078,313 0 142
15-24 0.0 0.0 0.0 0 0 3,141 905,074 1 183
25-34 74.2 42.8 123.9 3 1,520 17,396 5,162,609 4 1,226
35-44 58.9 26.3 61.8 5 1,550 20,495 5,972,347 8 2,509
45-54 55.9 21.1 51.7 7 1,830 12,816 3,596,719 13 3,536
55-64 0.0 0.0 0.0 0 0 2,395 669,522 6 1,688
65-74 0.0 0.0 0.0 0 0 110 31,231 1 235
75-89 678.6 678.6 567.1 1 270 3 970 0 48
90+ 0 0 0 0 0 0
Total 47.5 11.9 53.2 16 5,170 64,371 18,735,877 34 9,719
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 242 98,904 0 18
20-29 0.0 0.0 0.0 0 0 512 197,545 0 56
30-39 1157.1 1157.1 1082.3 1 348 189 71,384 0 32
40-49 0.0 0.0 0.0 0 0 171 57,904 0 65
50-59 0.0 0.0 106.0 0 300 273 92,323 1 283
60-69 0.0 0.0 0.0 0 0 120 46,255 1 423
70-79 0.0 0.0 0.0 0 0 35 13,454 1 301
80-89 0.0 0.0 0.0 0 0 23 8,585 1 482
90-99 0.0 0.0 0.0 0 0 2 2,509 0 410
100+ 0 0 0 0 0 0
Total 21.5 21.5 31.3 1 648 1,567 588,862 5 2,069
GRAND TOTAL 44.4 10.8 49.4 17 5,818 65,938 19,324,740 38 11,788

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.41     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $500,000-$999,999
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 7,252 3,967,454 2 869
2 47.7 47.7 43.8 1 500 6,953 3,813,027 2 1,141
3 85.5 60.5 99.9 2 1,270 6,200 3,401,763 2 1,271
4 53.9 53.9 66.0 1 670 4,092 2,248,832 2 1,015
5 111.9 79.2 102.0 2 1,000 3,550 1,959,443 2 980
6-10 99.9 44.7 105.0 5 2,900 7,071 3,924,006 5 2,762
11-15 0.0 0.0 0.0 0 0 562 340,100 1 339
Total 71.9 21.7 75.7 11 6,340 35,681 19,654,625 15 8,377
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 1,255 783,797 0 88
5-14 0.0 0.0 0.0 0 0 1,351 860,871 0 118
15-24 0.0 0.0 0.0 0 0 1,429 786,044 0 154
25-34 104.3 60.2 127.5 3 2,000 13,081 7,132,336 3 1,569
35-44 79.8 39.9 79.4 4 2,170 13,017 7,093,235 5 2,735
45-54 63.2 36.5 58.4 3 1,500 4,947 2,668,093 5 2,570
55-64 0.0 0.0 0.0 0 0 565 310,197 2 983
65-74 350.0 350.0 415.8 1 670 36 20,051 0 161
75-89 0 0 0 0 0 0
90+ 0 0 0 0 0 0
Total 71.9 21.7 75.7 11 6,340 35,681 19,654,625 15 8,377
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 72 47,197 0 8
20-29 0.0 0.0 0.0 0 0 138 99,919 0 28
30-39 0.0 0.0 0.0 0 0 52 39,291 0 17
40-49 0.0 0.0 0.0 0 0 29 16,191 0 18
50-59 0.0 0.0 0.0 0 0 64 37,353 0 119
60-69 0.0 0.0 0.0 0 0 44 26,102 0 254
70-79 529.9 529.9 267.9 1 500 9 8,819 0 187
80-89 714.5 505.2 314.8 2 1,163 5 5,438 0 369
90-99 0.0 0.0 0.0 0 0 1 1,285 0 196
100+ 0 0 0 0 0 0
Total 219.6 126.8 138.9 3 1,663 415 281,595 1 1,197
GRAND TOTAL 84.0 22.4 83.6 14 8,003 36,095 19,936,220 17 9,574

Thomson Data Analysis Fri Mar 20 13:54:03 2015


TABLE 8.42     TOTAL EXPERIENCE -- FEMALES WITH UNKNOWN SMOKING STATUS, FACE SIZE $1,000,000 AND OVER
CANADIAN ORDINARY STANDARD EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2012 AND 2013
EXPECTED CIA 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 0.0 0 0 1,624 2,036,350 0 465
2 0.0 0.0 0.0 0 0 1,518 1,864,177 0 576
3 0.0 0.0 0.0 0 0 1,250 1,543,144 1 645
4 198.6 198.6 161.2 1 1,000 824 1,042,516 1 620
5 266.3 266.3 182.2 1 1,000 661 1,059,926 0 549
6-10 0.0 0.0 0.0 0 0 1,395 1,984,361 1 1,393
11-15 0.0 0.0 0.0 0 0 175 386,214 0 229
Total 57.8 40.9 44.7 2 2,000 7,446 9,916,687 3 4,477
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 432 881,373 0 94
5-14 0.0 0.0 0.0 0 0 509 1,323,147 0 196
15-24 0.0 0.0 0.0 0 0 255 402,176 0 77
25-34 0.0 0.0 0.0 0 0 2,143 2,370,585 0 493
35-44 0.0 0.0 0.0 0 0 2,803 3,272,865 1 1,271
45-54 0.0 0.0 0.0 0 0 1,118 1,423,036 1 1,439
55-64 383.5 271.2 292.8 2 2,000 169 216,435 1 683
65-74 0.0 0.0 0.0 0 0 15 25,820 0 187
75-89 0.0 0.0 0.0 0 0 1 1,250 0 37
90+ 0 0 0 0 0 0
Total 57.8 40.9 44.7 2 2,000 7,446 9,916,687 3 4,477
Ultimate Experience By Attained Age
15-19 0.0 0.0 0.0 0 0 21 43,450 0 8
20-29 0.0 0.0 0.0 0 0 57 116,156 0 33
30-39 0.0 0.0 0.0 0 0 31 58,666 0 27
40-49 0.0 0.0 0.0 0 0 4 10,664 0 15
50-59 0.0 0.0 0.0 0 0 12 27,175 0 83
60-69 0.0 0.0 0.0 0 0 8 16,192 0 153
70-79 0.0 0.0 0.0 0 0 7 16,282 0 360
80-89 411.3 411.3 464.7 1 1,755 4 7,018 0 378
90-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 184.2 184.2 166.2 1 1,755 144 295,603 1 1,056
GRAND TOTAL 74.9 43.3 67.9 3 3,755 7,590 10,212,290 4 5,534

Thomson Data Analysis Fri Mar 20 13:54:03 2015