CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE--SINGLE LIFE
TABLE 1.2 MALE EXPERIENCE--SINGLE LIFE
TABLE 1.3 FEMALE EXPERIENCE--SINGLE LIFE
TABLE 2.1 TOTAL EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.2 TOTAL EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.3 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 2.4 MALE EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.5 MALE EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.6 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 2.7 FEMALE EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.8 FEMALE EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.9 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 3.1 TOTAL EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.2 TOTAL EXPERIENCE--SINGLE LIFE--REFUND
TABLE 3.3 MALE EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.4 MALE EXPERIENCE--SINGLE LIFE--REFUND
TABLE 3.5 FEMALE EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.6 FEMALE EXPERIENCE--SINGLE LIFE--REFUND
TABLE 4.1 TOTAL EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.2 TOTAL EXPERIENCE--JOINT, ONE SURVIVING
TABLE 4.3 MALE EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.4 MALE EXPERIENCE--JOINT, ONE SURVIVING
TABLE 4.5 FEMALE EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.6 FEMALE EXPERIENCE--JOINT, ONE SURVIVING
TABLE 5.1 TOTAL EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.2 TOTAL EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.3 TOTAL EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.4 TOTAL EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 5.5 MALE EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.6 MALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.7 MALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.8 MALE EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 5.9 FEMALE EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.10 FEMALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.11 FEMALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.12 FEMALE EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 6.1 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.2 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.3 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.4 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.5 TOTAL EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.6 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.7 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.8 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.9 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.10 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.11 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.12 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 6.13 MALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.14 MALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.15 MALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.16 MALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.17 MALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.18 MALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.19 MALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.20 MALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.21 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.22 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.23 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.24 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 6.25 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.26 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.27 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.28 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.29 FEMALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.30 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.31 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.32 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.33 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.34 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.35 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.36 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 7.1 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.2 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.3 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.4 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.5 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.6 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.7 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.8 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.9 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.10 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.11 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.12 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 7.13 MALE EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.14 MALE EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.15 MALE EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.16 MALE EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.17 MALE EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.18 MALE EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.19 MALE EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.20 MALE EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.21 MALE EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.22 MALE EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.23 MALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.24 MALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 7.25 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.26 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.27 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.28 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.29 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.30 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.31 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.32 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.33 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.34 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.35 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.36 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 8.1 TOTAL EXPERIENCE BY POLICY YEAR
TABLE 8.2 TOTAL EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.3 TOTAL EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.4 TOTAL EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
TABLE 8.5 MALE EXPERIENCE BY POLICY YEAR
TABLE 8.6 MALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.7 MALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.8 MALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
TABLE 8.9 FEMALE EXPERIENCE BY POLICY YEAR
TABLE 8.10 FEMALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.11 FEMALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.12 FEMALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING



TABLE 1.1     TOTAL EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 65.3 3.5 45.3 351 3,206,359 30,277 303,825,447 538 7,071,402
2 76.1 3.5 57.7 472 4,643,388 31,152 303,381,193 620 8,044,092
3 93.5 3.6 74.9 670 6,829,576 32,651 313,264,048 717 9,121,839
4 100.3 3.6 77.6 779 7,588,863 32,819 312,396,416 776 9,780,554
5 98.7 3.5 79.1 800 7,793,877 31,789 297,149,886 810 9,856,457
6 99.2 3.4 107.3 827 10,437,486 30,093 264,994,462 834 9,731,568
7 98.1 3.4 68.2 843 6,535,655 28,948 244,188,630 859 9,581,810
8 98.8 3.3 73.4 906 7,279,545 28,885 230,926,919 917 9,916,320
9 107.1 3.2 79.2 1,114 8,172,649 30,941 223,970,864 1,040 10,323,304
10 109.9 3.1 80.8 1,279 8,564,131 33,238 219,667,867 1,163 10,601,255
11+ 0 0 0 0 0 0
Total 97.2 1.1 75.6 8,041 71,051,529 310,792 2,713,765,732 8,275 94,028,602
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 3412.9 3412.9 11590.7 1 44,864 43 557,067 0 387
15-19 1036.5 1036.5 363.4 1 1,877 164 1,462,716 0 517
20-24 0.0 0.0 0.0 0 0 299 3,058,208 0 2,651
25-29 360.5 360.5 289.1 1 5,171 384 2,816,618 0 1,789
30-34 458.3 324.0 789.6 2 28,999 460 5,223,785 0 3,673
35-39 434.9 217.5 293.5 4 24,379 766 6,597,558 1 8,305
40-44 329.5 109.8 542.3 9 125,499 1,590 12,931,238 3 23,140
45-49 321.5 67.0 255.7 23 137,827 2,912 23,644,256 7 53,908
50-54 246.5 30.6 258.5 65 502,890 6,821 52,571,592 26 194,536
55-59 186.1 12.0 171.4 241 1,497,840 22,735 152,397,781 129 874,132
60-64 132.4 5.9 109.1 500 2,866,628 43,770 311,004,034 378 2,628,560
65-69 115.2 2.9 99.1 1,583 7,466,565 97,010 542,583,193 1,374 7,537,621
70-74 101.6 2.9 66.8 1,216 7,433,002 55,050 499,285,848 1,197 11,132,847
75-79 90.7 2.4 73.2 1,402 16,542,333 37,947 559,584,615 1,545 22,605,321
80-84 83.7 2.0 60.6 1,704 16,429,246 28,848 384,183,095 2,036 27,103,894
85-89 83.5 2.6 80.5 1,014 11,464,127 10,128 118,660,756 1,214 14,239,781
90-94 74.2 4.7 81.1 248 5,325,071 1,757 33,167,648 334 6,562,093
95-99 92.1 18.1 108.0 26 1,129,919 103 3,910,022 28 1,046,401
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 97.2 1.1 75.6 8,041 71,051,529 310,792 2,713,765,732 8,275 94,028,602
Ultimate Experience By Attained Age
18-59 182.3 17.6 247.9 107 815,515 18,996 118,519,988 59 328,956
60-64 180.0 13.6 176.9 176 913,585 16,028 84,706,576 98 516,334
65-69 150.9 7.0 177.6 459 2,735,003 33,549 168,813,774 304 1,539,834
70-74 131.7 3.5 119.6 1,410 5,991,364 72,411 335,642,227 1,070 5,007,413
75-79 127.6 1.8 120.3 5,297 21,239,671 166,684 703,317,720 4,152 17,650,942
80-84 119.2 1.0 113.4 14,979 57,813,420 282,636 1,134,373,566 12,571 50,992,999
85-89 108.5 0.6 103.3 29,738 107,286,616 330,521 1,240,327,839 27,419 103,824,951
90+ 95.6 0.4 93.2 51,487 174,184,140 305,042 1,073,476,903 53,883 186,871,965
Total 104.1 0.3 101.2 103,653 370,979,314 1,225,867 4,859,178,592 99,555 366,733,395
GRAND TOTAL 103.6 0.3 95.9 111,694 442,030,843 1,536,658 7,572,944,325 107,831 460,761,996

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 1.2     MALE EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 74.0 5.5 45.0 184 1,538,339 13,147 131,471,403 249 3,421,796
2 80.5 5.4 54.0 224 2,105,362 13,336 131,437,815 278 3,899,816
3 102.5 5.7 85.6 320 3,660,562 13,709 133,080,401 312 4,275,591
4 108.0 5.7 69.8 357 3,119,453 13,642 133,055,799 330 4,470,497
5 111.1 5.7 81.5 382 3,638,237 13,250 127,001,797 344 4,462,196
6 110.8 5.6 141.1 389 6,150,214 12,534 112,958,470 351 4,360,216
7 107.8 5.5 79.4 388 3,247,368 12,086 101,999,468 360 4,089,842
8 98.1 5.1 62.4 372 2,596,205 12,006 96,287,584 379 4,159,784
9 117.1 5.2 86.3 509 3,718,448 12,972 93,351,121 435 4,307,129
10 114.6 4.9 78.2 558 3,391,718 14,010 90,896,265 487 4,339,738
11+ 0 0 0 0 0 0
Total 104.5 1.7 79.4 3,683 33,165,906 130,691 1,151,540,123 3,526 41,786,604
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 3589.7 3589.7 12320.7 1 44,864 35 431,689 0 364
15-19 1272.4 1272.4 854.1 1 1,877 81 214,250 0 220
20-24 0.0 0.0 0.0 0 0 169 1,992,422 0 2,352
25-29 0.0 0.0 0.0 0 0 156 824,804 0 1,048
30-34 619.7 438.2 1809.3 2 28,999 246 1,233,597 0 1,603
35-39 317.1 224.2 79.7 2 4,947 385 3,676,960 1 6,205
40-44 317.9 129.8 478.0 6 79,902 839 7,511,956 2 16,716
45-49 277.6 80.1 216.0 12 69,175 1,277 10,052,830 4 32,029
50-54 235.2 39.2 231.4 36 268,430 2,936 23,416,605 15 116,012
55-59 204.2 17.0 186.2 144 963,467 9,570 71,056,208 71 517,410
60-64 137.0 8.1 116.3 285 1,762,683 20,032 149,370,407 208 1,515,522
65-69 122.9 3.9 101.0 1,006 4,672,644 50,297 288,404,818 818 4,628,487
70-74 106.9 4.3 66.9 613 3,945,107 21,869 216,733,503 573 5,899,980
75-79 90.8 4.0 71.9 528 7,933,509 11,424 224,642,443 581 11,032,296
80-84 84.4 3.6 64.5 556 5,487,841 7,626 98,474,361 659 8,502,685
85-89 82.8 4.3 83.4 364 4,382,149 3,073 35,093,381 440 5,255,352
90-94 80.2 7.5 75.4 113 2,573,799 632 15,166,018 141 3,414,963
95-99 122.5 32.7 112.2 14 946,513 41 3,146,665 11 843,292
100+ 0 0 0 0 0 0
Total 104.5 1.7 79.4 3,683 33,165,906 130,691 1,151,540,123 3,526 41,786,604
Ultimate Experience By Attained Age
18-59 160.1 19.4 173.1 68 395,479 10,721 63,848,694 42 228,499
60-64 154.6 15.5 150.5 99 505,111 8,610 44,900,492 64 335,548
65-69 150.6 9.1 170.7 273 1,621,292 17,058 89,357,053 181 949,940
70-74 128.3 4.5 106.4 805 3,303,528 36,267 179,864,637 627 3,105,209
75-79 125.7 2.2 115.4 3,155 12,858,589 84,808 377,207,666 2,510 11,141,802
80-84 119.5 1.3 111.5 8,270 33,606,707 127,790 557,891,330 6,923 30,143,907
85-89 105.8 0.9 100.2 13,966 54,674,088 131,327 546,558,612 13,205 54,574,684
90+ 95.0 0.7 89.6 20,720 73,686,945 107,054 411,376,193 21,818 82,221,789
Total 104.4 0.5 98.9 47,356 180,651,739 523,635 2,271,004,677 45,371 182,701,378
GRAND TOTAL 104.4 0.5 95.2 51,039 213,817,645 654,326 3,422,544,800 48,897 224,487,981

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 1.3     FEMALE EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.8 4.5 45.7 167 1,668,020 17,130 172,354,043 289 3,649,606
2 72.5 4.6 61.2 248 2,538,026 17,816 171,943,378 342 4,144,277
3 86.5 4.6 65.4 350 3,169,014 18,942 180,183,647 405 4,846,247
4 94.6 4.6 84.2 422 4,469,410 19,177 179,340,617 446 5,310,057
5 89.7 4.4 77.0 418 4,155,640 18,539 170,148,089 466 5,394,261
6 90.7 4.3 79.8 438 4,287,272 17,559 152,035,992 483 5,371,352
7 91.1 4.3 59.9 455 3,288,287 16,862 142,189,162 500 5,491,969
8 99.4 4.3 81.4 534 4,683,340 16,879 134,639,336 537 5,756,537
9 99.9 4.1 74.0 605 4,454,201 17,969 130,619,743 605 6,016,176
10 106.6 4.0 82.6 721 5,172,413 19,227 128,771,602 676 6,261,517
11+ 0 0 0 0 0 0
Total 91.8 1.4 72.5 4,358 37,885,623 180,101 1,562,225,609 4,750 52,241,998
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 8 125,378 0 23
15-19 0.0 0.0 0.0 0 0 83 1,248,465 0 297
20-24 0.0 0.0 0.0 0 0 130 1,065,786 0 299
25-29 1212.1 1212.1 698.6 1 5,171 228 1,991,814 0 740
30-34 0.0 0.0 0.0 0 0 214 3,990,188 0 2,070
35-39 692.2 489.4 925.2 2 19,432 380 2,920,598 0 2,100
40-44 355.4 205.2 709.8 3 45,597 750 5,419,281 1 6,424
45-49 388.6 117.2 313.8 11 68,652 1,635 13,591,426 3 21,879
50-54 262.1 48.7 298.6 29 234,460 3,886 29,154,987 11 78,523
55-59 164.5 16.7 149.8 97 534,373 13,165 81,341,573 59 356,722
60-64 126.7 8.6 99.2 215 1,103,945 23,738 161,633,627 170 1,113,037
65-69 103.8 4.3 96.0 577 2,793,921 46,712 254,178,375 556 2,909,134
70-74 96.6 3.9 66.7 603 3,487,895 33,181 282,552,344 624 5,232,867
75-79 90.7 3.1 74.4 874 8,608,824 26,522 334,942,173 963 11,573,025
80-84 83.4 2.5 58.8 1,148 10,941,405 21,221 285,708,734 1,377 18,601,209
85-89 83.9 3.3 78.8 650 7,081,978 7,055 83,567,375 774 8,984,429
90-94 69.9 6.0 87.4 135 2,751,272 1,125 18,001,630 193 3,147,131
95-99 71.4 20.6 90.3 12 183,406 62 763,356 17 203,109
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 91.8 1.4 72.5 4,358 37,885,623 180,101 1,562,225,609 4,750 52,241,998
Ultimate Experience By Attained Age
18-59 240.6 38.5 418.1 39 420,036 8,275 54,671,294 16 100,457
60-64 228.4 26.0 225.9 77 408,474 7,418 39,806,084 34 180,786
65-69 151.4 11.1 188.8 186 1,113,711 16,490 79,456,720 123 589,894
70-74 136.6 5.6 141.3 605 2,687,836 36,144 155,777,590 443 1,902,205
75-79 130.5 2.8 128.8 2,142 8,381,082 81,876 326,110,055 1,642 6,509,139
80-84 118.8 1.5 116.1 6,709 24,206,713 154,847 576,482,236 5,648 20,849,093
85-89 111.0 0.9 106.8 15,772 52,612,528 199,195 693,769,227 14,214 49,250,267
90+ 96.0 0.5 96.0 30,767 100,497,195 197,987 662,100,710 32,065 104,650,176
Total 103.9 0.4 103.4 56,297 190,327,575 702,232 2,588,173,916 54,184 184,032,017
GRAND TOTAL 102.9 0.4 96.6 60,655 228,213,198 882,332 4,150,399,525 58,934 236,274,015

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.1     TOTAL EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 66.2 5.6 57.1 138 969,754 13,326 90,159,865 208 1,697,596
2 75.2 5.6 66.5 181 1,281,866 13,541 89,428,016 241 1,926,885
3 84.4 5.6 74.2 231 1,589,929 13,911 88,900,585 274 2,142,030
4 110.2 6.2 94.5 316 2,105,558 13,743 86,477,810 287 2,228,990
5 96.9 5.8 93.1 283 2,048,053 13,037 79,615,803 292 2,200,719
6 101.8 5.9 100.7 302 2,164,219 12,183 71,364,436 297 2,148,459
7 101.4 5.8 85.2 306 1,747,276 11,698 65,113,734 302 2,050,079
8 103.7 5.7 93.5 333 1,934,542 11,726 61,988,770 321 2,069,764
9 110.8 5.4 105.4 419 2,333,886 13,094 63,740,974 378 2,214,465
10 118.1 5.3 109.6 505 2,583,479 14,152 64,833,626 427 2,357,387
11+ 0 0 0 0 0 0
Total 99.6 1.8 89.2 3,014 18,758,562 130,410 761,623,619 3,027 21,036,376
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 8 10,045 0 10
20-24 0.0 0.0 0.0 0 0 7 2,063 0 2
25-29 0.0 0.0 0.0 0 0 10 27,916 0 33
30-34 1446.4 1446.4 6239.8 1 19,798 68 269,234 0 317
35-39 0.0 0.0 0.0 0 0 126 366,424 0 305
40-44 0.0 0.0 0.0 0 0 245 543,050 0 821
45-49 131.4 92.9 208.4 2 11,337 640 2,438,477 2 5,441
50-54 300.9 67.3 337.1 20 131,665 1,658 9,135,910 7 39,062
55-59 187.0 19.2 153.3 95 414,123 8,804 46,900,224 51 270,194
60-64 139.1 9.3 119.8 224 1,041,459 18,426 99,784,504 161 868,986
65-69 111.9 4.1 108.2 757 3,537,812 45,873 226,713,386 676 3,269,699
70-74 107.7 4.3 95.0 625 3,107,624 27,897 159,278,107 580 3,270,174
75-79 88.8 4.0 85.0 481 3,483,566 13,811 104,569,267 542 4,097,539
80-84 85.6 3.5 79.3 585 4,526,816 10,099 82,571,798 683 5,711,598
85-89 70.4 5.1 72.6 194 2,032,357 2,447 24,832,701 276 2,800,940
90-94 60.6 11.3 64.3 29 447,931 287 4,165,679 48 696,793
95-99 84.9 84.9 91.3 1 4,074 4 14,836 1 4,460
100+ 0 0 0 0 0 0
Total 99.6 1.8 89.2 3,014 18,758,562 130,410 761,623,619 3,027 21,036,376
Ultimate Experience By Attained Age
18-59 174.5 45.0 103.4 15 39,891 2,248 9,801,379 9 38,577
60-64 170.8 28.5 167.3 36 196,359 3,499 19,001,427 21 117,360
65-69 159.9 12.7 156.4 159 780,377 11,004 53,977,614 99 498,806
70-74 131.7 5.5 112.0 563 2,148,060 29,088 127,530,104 428 1,917,730
75-79 129.4 2.6 121.6 2,396 9,311,027 75,313 305,244,446 1,852 7,658,797
80-84 114.0 1.3 110.5 7,696 28,216,722 153,174 567,241,221 6,748 25,529,623
85-89 105.5 0.8 103.8 17,494 58,597,504 200,519 673,152,936 16,575 56,428,686
90+ 98.5 0.6 97.1 31,944 92,523,476 190,042 564,098,146 32,434 95,282,785
Total 103.7 0.4 102.3 60,303 191,813,416 664,888 2,320,047,273 58,166 187,472,364
GRAND TOTAL 103.5 0.4 101.0 63,317 210,571,978 795,298 3,081,670,891 61,193 208,508,740

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.2     TOTAL EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 69.1 14.1 64.1 24 170,380 3,433 25,250,385 35 265,798
2 83.8 14.6 119.4 33 347,883 3,482 24,544,937 39 291,473
3 126.2 16.9 103.5 56 315,530 3,632 23,652,557 44 304,940
4 126.2 16.2 80.6 61 266,010 3,694 23,552,750 48 330,152
5 128.5 15.9 119.9 65 412,290 3,586 22,259,976 51 343,724
6 108.0 14.4 109.0 56 376,405 3,394 20,182,993 52 345,298
7 156.1 17.1 138.7 83 472,160 3,252 18,598,629 53 340,478
8 139.7 15.8 117.8 78 404,437 3,230 17,581,571 56 343,465
9 100.9 12.9 89.6 61 335,976 3,267 17,570,423 60 374,898
10 148.9 15.0 166.8 99 675,427 3,450 18,167,437 66 404,912
11+ 0 0 0 0 0 0
Total 121.9 4.9 112.9 616 3,776,498 34,420 211,361,656 505 3,345,139
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 19 18,499 0 24
35-39 0.0 0.0 0.0 0 0 49 115,366 0 185
40-44 0.0 0.0 0.0 0 0 136 453,065 0 741
45-49 135.7 135.7 58.2 1 2,195 319 1,560,044 1 3,774
50-54 178.7 67.6 172.5 7 41,977 1,021 6,654,415 4 24,339
55-59 231.3 29.1 193.6 63 303,833 4,929 28,207,529 27 156,938
60-64 131.8 13.0 114.3 103 573,858 9,305 61,087,350 78 502,061
65-69 131.6 9.2 143.4 203 1,211,732 12,345 67,642,736 154 844,777
70-74 93.4 12.2 93.9 59 419,219 3,038 21,235,934 63 446,373
75-79 100.4 14.2 107.0 50 460,311 1,320 11,229,307 50 430,076
80-84 101.5 9.3 80.3 119 694,833 1,854 12,518,556 117 865,218
85-89 98.6 31.2 78.8 10 53,540 83 623,855 10 67,985
90-94 566.5 566.5 566.5 1 15,000 1 15,000 0 2,648
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 121.9 4.9 112.9 616 3,776,498 34,420 211,361,656 505 3,345,139
Ultimate Experience By Attained Age
18-59 202.2 90.4 269.8 5 17,613 787 2,101,073 2 6,528
60-64 196.9 50.8 164.1 15 53,834 1,281 5,554,138 8 32,805
65-69 173.7 21.5 213.1 65 404,371 4,198 20,925,561 37 189,786
70-74 153.8 10.4 150.3 217 1,122,462 9,810 50,523,284 141 746,805
75-79 131.5 5.4 126.7 587 3,011,051 18,537 95,409,117 446 2,376,917
80-84 136.8 3.9 127.5 1,208 5,972,326 20,269 103,976,844 883 4,685,729
85-89 112.2 3.0 106.0 1,403 6,449,095 15,067 71,727,073 1,251 6,085,592
90+ 99.7 2.3 102.2 1,809 6,719,367 10,272 39,012,343 1,815 6,572,374
Total 115.8 1.6 114.8 5,309 23,750,119 80,220 389,229,434 4,584 20,696,536
GRAND TOTAL 116.4 1.5 114.5 5,925 27,526,617 114,640 600,591,090 5,089 24,041,675

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.3     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 64.2 4.7 40.5 189 2,066,225 13,519 188,415,197 295 5,108,008
2 75.8 4.7 51.7 258 3,013,639 14,130 189,408,240 340 5,825,734
3 96.0 4.9 73.8 383 4,924,117 15,107 200,710,905 399 6,674,869
4 91.1 4.5 72.2 402 5,217,295 15,381 202,365,856 441 7,221,412
5 96.7 4.5 72.9 452 5,333,534 15,166 195,274,107 467 7,312,014
6 96.6 4.5 109.1 469 7,896,862 14,516 173,447,034 486 7,237,810
7 90.0 4.2 60.0 454 4,316,219 13,999 160,476,267 504 7,191,253
8 91.7 4.1 65.8 495 4,940,566 13,929 151,356,579 540 7,503,091
9 105.4 4.2 71.2 634 5,502,787 14,580 142,659,467 602 7,733,941
10 100.8 3.9 67.7 675 5,305,225 15,635 136,666,805 669 7,838,955
11+ 0 0 0 0 0 0
Total 93.0 1.4 69.7 4,411 48,516,469 145,962 1,740,780,457 4,743 69,647,086
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 3412.9 3412.9 11590.7 1 44,864 43 557,067 0 387
15-19 1130.6 1130.6 370.6 1 1,877 156 1,452,671 0 506
20-24 0.0 0.0 0.0 0 0 292 3,056,145 0 2,649
25-29 377.3 377.3 294.6 1 5,171 374 2,788,702 0 1,755
30-34 292.8 292.8 276.2 1 9,201 373 4,936,052 0 3,331
35-39 569.1 284.6 312.0 4 24,379 591 6,115,768 1 7,815
40-44 416.2 138.7 581.6 9 125,499 1,208 11,935,123 2 21,578
45-49 408.6 91.4 278.1 20 124,295 1,952 19,645,736 5 44,693
50-54 240.4 39.0 251.1 38 329,248 4,142 36,781,267 16 131,135
55-59 161.3 17.7 174.5 83 779,884 9,002 77,290,029 51 446,999
60-64 124.9 9.5 99.5 173 1,251,311 16,039 150,132,180 139 1,257,513
65-69 114.7 4.6 79.4 623 2,717,021 38,792 248,227,071 543 3,423,145
70-74 96.0 4.2 52.7 532 3,906,159 24,115 318,771,807 554 7,416,300
75-79 91.4 3.1 69.7 871 12,598,456 22,815 443,786,041 953 18,077,706
80-84 80.9 2.6 54.6 1,000 11,207,597 16,895 289,092,740 1,235 20,527,077
85-89 87.3 3.1 82.5 810 9,378,230 7,598 93,204,199 928 11,370,856
90-94 76.2 5.2 82.9 218 4,862,140 1,469 28,986,969 286 5,862,653
95-99 92.4 18.5 108.1 25 1,125,845 99 3,895,186 27 1,041,941
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 93.0 1.4 69.7 4,411 48,516,469 145,962 1,740,780,457 4,743 69,647,086
Ultimate Experience By Attained Age
18-59 182.7 19.6 267.0 87 758,011 15,960 106,617,536 48 283,852
60-64 181.0 16.2 181.2 125 663,392 11,248 60,151,011 69 366,169
65-69 140.5 9.2 182.1 235 1,550,255 18,347 93,910,599 167 851,243
70-74 125.6 5.0 116.1 630 2,720,842 33,513 157,588,838 502 2,342,878
75-79 124.9 2.6 117.1 2,314 8,917,593 72,834 302,664,157 1,853 7,615,228
80-84 123.0 1.6 113.7 6,075 23,624,372 109,193 463,155,501 4,940 20,777,647
85-89 113.0 1.1 102.2 10,841 42,240,017 114,935 495,447,830 9,593 41,310,673
90+ 90.3 0.7 88.1 17,734 74,941,297 104,728 470,366,415 19,633 85,016,806
Total 103.4 0.5 98.0 38,041 155,415,779 480,759 2,149,901,886 36,805 158,564,495
GRAND TOTAL 102.2 0.5 89.4 42,452 203,932,248 626,721 3,890,682,343 41,548 228,211,582

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.4     MALE EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 78.0 8.9 70.9 77 609,259 5,838 42,340,356 99 859,057
2 86.4 8.8 69.0 96 660,815 5,829 41,541,274 111 957,981
3 91.2 8.6 84.7 113 898,496 5,885 40,827,609 124 1,060,420
4 136.7 10.4 110.2 173 1,189,841 5,746 39,422,866 127 1,079,885
5 108.2 9.2 100.2 137 1,059,823 5,435 36,400,355 127 1,057,495
6 115.9 9.6 109.9 147 1,109,522 5,063 32,101,073 127 1,009,542
7 116.2 9.4 91.0 152 883,435 4,896 29,703,526 131 971,170
8 101.2 8.6 81.9 140 800,456 4,846 27,961,267 138 977,249
9 124.6 8.7 115.8 206 1,198,674 5,407 28,494,959 165 1,034,754
10 126.8 8.2 124.5 238 1,327,809 5,836 28,354,449 188 1,066,939
11+ 0 0 0 0 0 0
Total 110.7 2.9 96.7 1,479 9,738,130 54,781 347,147,732 1,336 10,074,493
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 8 10,045 0 10
20-24 0.0 0.0 0.0 0 0 7 2,063 0 2
25-29 0.0 0.0 0.0 0 0 10 27,916 0 33
30-34 1819.9 1819.9 6801.7 1 19,798 41 221,745 0 291
35-39 0.0 0.0 0.0 0 0 65 48,424 0 83
40-44 0.0 0.0 0.0 0 0 75 200,594 0 425
45-49 220.7 156.1 429.4 2 11,337 281 796,601 1 2,640
50-54 190.6 72.0 171.6 7 42,757 679 4,486,632 4 24,920
55-59 195.5 26.6 177.4 54 279,507 3,705 21,739,205 28 157,548
60-64 154.0 13.0 133.0 140 696,643 8,700 50,799,117 91 523,978
65-69 119.0 5.6 110.0 452 2,225,578 22,169 122,290,611 380 2,023,671
70-74 119.0 6.5 104.7 338 1,832,511 11,377 72,716,448 284 1,749,531
75-79 91.9 6.8 79.6 180 1,360,625 3,994 35,645,922 196 1,709,632
80-84 90.5 6.2 86.1 216 2,018,557 2,877 27,605,782 239 2,344,666
85-89 80.5 9.1 86.6 78 1,056,333 702 8,875,588 97 1,220,287
90-94 63.5 19.1 61.4 11 194,484 91 1,681,039 17 316,775
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 110.7 2.9 96.7 1,479 9,738,130 54,781 347,147,732 1,336 10,074,493
Ultimate Experience By Attained Age
18-59 94.5 38.6 88.9 6 25,804 1,365 6,135,573 6 29,028
60-64 108.3 28.9 105.4 14 80,993 1,730 10,183,407 13 76,821
65-69 174.1 17.9 142.8 95 444,670 5,062 29,003,135 55 311,370
70-74 141.7 7.8 112.1 331 1,326,812 13,389 68,085,431 234 1,183,710
75-79 132.0 3.6 120.3 1,341 5,607,290 33,972 156,483,169 1,016 4,662,550
80-84 116.9 1.9 109.4 3,963 15,990,977 61,804 268,236,318 3,389 14,613,611
85-89 103.1 1.2 101.9 7,760 29,548,681 74,194 288,253,058 7,528 28,986,228
90+ 99.5 0.9 97.7 12,944 41,420,848 65,596 218,282,234 13,007 42,417,099
Total 104.8 0.6 102.3 26,454 94,446,075 257,112 1,044,662,324 25,247 92,280,417
GRAND TOTAL 105.1 0.6 101.8 27,933 104,184,205 311,893 1,391,810,056 26,583 102,354,910

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.5     MALE EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.4 17.7 42.6 12 72,442 1,489 12,352,500 20 170,017
2 73.8 18.5 127.8 16 237,687 1,489 12,122,896 22 185,966
3 140.8 24.1 110.2 34 211,999 1,538 11,458,563 24 192,315
4 109.3 20.7 74.0 28 147,179 1,533 11,081,340 26 198,832
5 128.2 22.0 127.8 34 258,324 1,498 10,442,900 27 202,132
6 114.3 20.5 113.8 31 231,544 1,433 9,592,336 27 203,529
7 179.8 25.7 146.0 49 290,515 1,367 8,718,159 27 199,031
8 147.7 23.1 121.4 41 235,092 1,338 8,061,046 28 193,646
9 120.7 20.1 96.4 36 199,678 1,349 7,973,967 30 207,178
10 181.1 23.6 198.5 59 440,224 1,424 8,207,050 33 221,730
11+ 0 0 0 0 0 0
Total 129.8 7.0 117.7 340 2,324,684 14,458 100,010,757 262 1,974,376
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 18 16,676 0 23
35-39 0.0 0.0 0.0 0 0 30 76,129 0 161
40-44 0.0 0.0 0.0 0 0 58 201,255 0 465
45-49 0.0 0.0 0.0 0 0 105 657,610 0 2,341
50-54 216.2 96.7 234.8 5 32,127 448 2,851,403 2 13,683
55-59 289.1 45.7 211.9 40 177,374 1,895 11,274,472 14 83,709
60-64 132.8 18.8 104.4 50 274,855 3,627 26,408,163 38 263,171
65-69 141.5 13.1 170.4 116 853,395 5,448 34,052,369 82 500,965
70-74 102.0 17.2 86.6 35 231,690 1,390 11,103,734 34 267,628
75-79 96.9 19.4 101.5 25 270,815 581 6,156,322 26 266,848
80-84 105.8 13.1 83.7 65 456,099 829 6,991,322 61 545,145
85-89 75.2 43.4 48.3 3 13,329 29 206,303 4 27,589
90-94 566.5 566.5 566.5 1 15,000 1 15,000 0 2,648
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 129.8 7.0 117.7 340 2,324,684 14,458 100,010,757 262 1,974,376
Ultimate Experience By Attained Age
18-59 252.9 126.4 408.6 4 13,902 401 817,925 2 3,402
60-64 184.6 65.2 134.8 8 23,602 573 2,286,743 4 17,510
65-69 159.2 28.1 186.2 32 203,828 1,878 10,126,887 20 109,455
70-74 162.9 14.7 154.0 123 704,671 4,386 26,601,642 75 457,501
75-79 133.7 7.2 121.7 344 1,885,889 8,835 53,038,688 257 1,549,851
80-84 137.4 5.2 127.8 702 3,960,567 9,665 58,599,630 511 3,099,303
85-89 111.3 4.0 104.7 785 4,170,439 7,136 40,827,269 705 3,983,427
90+ 102.3 3.3 98.9 951 3,859,889 4,699 20,869,012 930 3,902,794
Total 117.8 2.2 113.0 2,949 14,822,787 37,572 213,167,797 2,504 13,123,244
GRAND TOTAL 118.9 2.1 113.6 3,289 17,147,471 52,030 313,178,554 2,766 15,097,619

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.6     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 72.9 7.5 35.8 95 856,638 5,820 76,778,548 130 2,392,722
2 77.0 7.3 43.8 112 1,206,860 6,018 77,773,646 146 2,755,869
3 105.3 8.0 84.4 173 2,550,067 6,285 80,794,229 164 3,022,856
4 87.5 7.0 55.8 156 1,782,433 6,363 82,551,594 178 3,191,780
5 110.6 7.6 72.4 211 2,320,090 6,316 80,158,542 191 3,202,569
6 107.0 7.4 152.8 211 4,809,148 6,038 71,265,061 197 3,147,145
7 92.7 6.8 71.0 187 2,073,418 5,824 63,577,783 202 2,919,641
8 89.6 6.5 52.2 191 1,560,657 5,822 60,265,271 213 2,988,888
9 111.4 6.8 75.7 267 2,320,096 6,216 56,882,195 240 3,065,197
10 97.9 6.1 53.2 261 1,623,685 6,750 54,334,766 267 3,051,068
11+ 0 0 0 0 0 0
Total 96.7 2.2 71.0 1,864 21,103,092 61,452 704,381,634 1,927 29,737,735
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 3589.7 3589.7 12320.7 1 44,864 35 431,689 0 364
15-19 1417.2 1417.2 895.2 1 1,877 73 204,206 0 210
20-24 0.0 0.0 0.0 0 0 162 1,990,359 0 2,350
25-29 0.0 0.0 0.0 0 0 146 796,888 0 1,015
30-34 412.1 412.1 714.0 1 9,201 187 995,177 0 1,289
35-39 422.5 298.7 83.0 2 4,947 291 3,552,408 0 5,961
40-44 378.3 154.4 504.9 6 79,902 707 7,110,108 2 15,826
45-49 329.4 104.2 213.8 10 57,838 891 8,598,619 3 27,048
50-54 257.6 52.6 250.0 24 193,546 1,809 16,078,570 9 77,409
55-59 171.9 24.3 183.4 50 506,586 3,970 38,042,531 29 276,153
60-64 119.5 12.3 108.6 95 791,185 7,705 72,163,127 79 728,373
65-69 122.9 5.9 75.8 438 1,593,671 22,680 132,061,838 357 2,103,851
70-74 94.2 6.1 48.4 240 1,880,906 9,103 132,913,321 255 3,882,821
75-79 89.8 5.0 69.6 323 6,302,069 6,849 182,840,198 360 9,055,816
80-84 76.6 4.6 53.7 275 3,013,185 3,920 63,877,257 359 5,612,874
85-89 83.5 5.0 82.7 283 3,312,487 2,342 26,011,491 339 4,007,477
90-94 81.9 8.1 76.4 101 2,364,315 540 13,469,979 123 3,095,540
95-99 122.5 32.7 112.2 14 946,513 41 3,146,665 11 843,292
100+ 0 0 0 0 0 0
Total 96.7 2.2 71.0 1,864 21,103,092 61,452 704,381,634 1,927 29,737,735
Ultimate Experience By Attained Age
18-59 167.9 22.0 181.5 58 355,773 8,954 56,895,197 35 196,069
60-64 164.6 18.8 166.0 77 400,516 6,308 32,430,342 47 241,217
65-69 136.9 11.3 183.9 146 972,794 10,118 50,227,031 107 529,116
70-74 110.2 5.9 86.9 351 1,272,045 18,492 85,177,564 318 1,463,997
75-79 118.8 3.1 108.8 1,470 5,365,410 42,001 167,685,808 1,237 4,929,401
80-84 119.3 2.0 109.8 3,605 13,655,163 56,322 231,055,383 3,022 12,430,992
85-89 109.0 1.5 97.0 5,421 20,954,968 49,997 217,478,285 4,972 21,605,029
90+ 86.6 1.0 79.1 6,825 28,406,208 36,760 172,224,947 7,881 35,901,896
Total 101.9 0.8 92.3 17,953 71,382,877 228,951 1,013,174,556 17,620 77,297,717
GRAND TOTAL 101.4 0.7 86.4 19,817 92,485,969 290,403 1,717,556,191 19,547 107,035,451

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.7     FEMALE EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 55.7 7.1 43.0 61 360,495 7,487 47,819,509 110 838,539
2 65.6 7.1 64.1 85 621,051 7,712 47,886,743 130 968,905
3 78.8 7.3 63.9 118 691,433 8,026 48,072,976 150 1,081,609
4 89.2 7.5 79.7 143 915,717 7,997 47,054,944 160 1,149,105
5 88.2 7.3 86.4 146 988,230 7,603 43,215,449 165 1,143,224
6 91.3 7.3 92.6 155 1,054,697 7,119 39,263,363 170 1,138,917
7 90.0 7.3 80.1 154 863,841 6,802 35,410,208 171 1,078,910
8 105.6 7.6 103.8 193 1,134,086 6,880 34,027,503 183 1,092,515
9 100.1 6.9 96.2 213 1,135,212 7,687 35,246,015 213 1,179,711
10 111.4 6.8 97.3 267 1,255,670 8,316 36,479,177 240 1,290,448
11+ 0 0 0 0 0 0
Total 90.8 2.3 82.3 1,535 9,020,432 75,629 414,475,887 1,691 10,961,883
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 27 47,490 0 26
35-39 0.0 0.0 0.0 0 0 61 318,000 0 222
40-44 0.0 0.0 0.0 0 0 170 342,456 0 395
45-49 0.0 0.0 0.0 0 0 359 1,641,875 1 2,801
50-54 437.3 121.3 628.7 13 88,908 979 4,649,277 3 14,142
55-59 176.9 27.6 119.5 41 134,616 5,098 25,161,018 23 112,647
60-64 119.7 13.1 99.9 84 344,816 9,726 48,985,387 70 345,008
65-69 102.8 5.9 105.3 305 1,312,234 23,704 104,422,775 297 1,246,027
70-74 96.9 5.7 83.9 287 1,275,113 16,520 86,561,658 296 1,520,642
75-79 87.0 5.0 88.9 301 2,122,941 9,817 68,923,345 346 2,387,907
80-84 83.0 4.3 74.5 369 2,508,259 7,222 54,966,017 445 3,366,933
85-89 64.9 6.0 61.7 116 976,024 1,746 15,957,113 179 1,580,653
90-94 59.0 13.9 66.7 18 253,447 196 2,484,639 30 380,018
95-99 84.9 84.9 91.3 1 4,074 4 14,836 1 4,460
100+ 0 0 0 0 0 0
Total 90.8 2.3 82.3 1,535 9,020,432 75,629 414,475,887 1,691 10,961,883
Ultimate Experience By Attained Age
18-59 400.0 133.3 147.5 9 14,087 883 3,665,806 2 9,548
60-64 269.8 57.5 284.6 22 115,366 1,770 8,818,020 8 40,539
65-69 142.6 17.8 179.1 64 335,707 5,942 24,974,478 45 187,436
70-74 119.6 7.8 111.9 232 821,248 15,699 59,444,674 194 734,020
75-79 126.1 3.9 123.6 1,055 3,703,737 41,341 148,761,277 837 2,996,247
80-84 111.1 1.8 112.0 3,733 12,225,745 91,371 299,004,904 3,359 10,916,011
85-89 107.6 1.1 105.9 9,734 29,048,823 126,325 384,899,879 9,047 27,442,458
90+ 97.8 0.7 96.7 19,000 51,102,628 124,446 345,815,911 19,427 52,865,686
Total 102.8 0.6 102.3 33,849 97,367,341 407,776 1,275,384,949 32,919 95,191,946
GRAND TOTAL 102.2 0.5 100.2 35,384 106,387,773 483,405 1,689,860,836 34,610 106,153,829

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.8     FEMALE EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 79.1 22.8 102.3 12 97,938 1,944 12,897,885 15 95,780
2 96.1 23.3 104.4 17 110,196 1,993 12,422,041 18 105,507
3 108.8 23.2 91.9 22 103,531 2,094 12,193,994 20 112,625
4 145.3 25.3 90.5 33 118,831 2,162 12,471,410 23 131,321
5 128.8 23.1 108.7 31 153,966 2,087 11,817,076 24 141,592
6 101.1 20.2 102.2 25 144,861 1,962 10,590,656 25 141,770
7 131.1 22.5 128.4 34 181,645 1,885 9,880,471 26 141,447
8 131.8 21.7 113.0 37 169,345 1,891 9,520,525 28 149,819
9 81.7 16.3 81.3 25 136,298 1,918 9,596,456 31 167,720
10 118.0 18.7 128.4 40 235,203 2,026 9,960,387 34 183,182
11+ 0 0 0 0 0 0
Total 113.5 6.8 105.9 276 1,451,814 19,962 111,350,900 243 1,370,763
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 1 1,823 0 1
35-39 0.0 0.0 0.0 0 0 19 39,237 0 24
40-44 0.0 0.0 0.0 0 0 78 251,810 0 276
45-49 281.0 281.0 153.1 1 2,195 214 902,434 0 1,434
50-54 124.7 88.2 92.4 2 9,850 574 3,803,013 2 10,656
55-59 171.5 35.8 172.7 23 126,459 3,035 16,933,057 13 73,229
60-64 130.9 18.0 125.2 53 299,003 5,678 34,679,187 40 238,890
65-69 120.3 12.9 104.2 87 358,337 6,896 33,590,367 72 343,812
70-74 83.1 17.0 104.9 24 187,529 1,649 10,132,200 29 178,745
75-79 104.1 20.8 116.1 25 189,496 739 5,072,984 24 163,228
80-84 96.7 13.2 74.6 54 238,734 1,025 5,527,234 56 320,073
85-89 113.9 43.0 99.5 7 40,211 54 417,553 6 40,396
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 113.5 6.8 105.9 276 1,451,814 19,962 111,350,900 243 1,370,763
Ultimate Experience By Attained Age
18-59 112.3 112.3 118.7 1 3,711 385 1,283,149 1 3,126
60-64 213.2 80.6 197.7 7 30,232 708 3,267,395 3 15,295
65-69 190.6 33.2 249.6 33 200,543 2,320 10,798,674 17 80,331
70-74 143.2 14.8 144.4 94 417,791 5,425 23,921,642 66 289,303
75-79 128.5 8.2 136.0 243 1,125,162 9,702 42,370,429 189 827,065
80-84 136.1 6.1 126.8 506 2,011,759 10,604 45,377,215 372 1,586,427
85-89 113.2 4.6 108.4 618 2,278,656 7,931 30,899,804 546 2,102,165
90+ 96.9 3.3 107.1 858 2,859,478 5,573 18,143,331 886 2,669,580
Total 113.5 2.3 117.9 2,360 8,927,332 42,648 176,061,637 2,079 7,573,292
GRAND TOTAL 113.5 2.2 116.0 2,636 10,379,146 62,610 287,412,537 2,323 8,944,056

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 2.9     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.2 5.9 44.5 94 1,209,587 7,699 111,636,649 164 2,715,286
2 74.9 6.2 58.9 146 1,806,779 8,111 111,634,594 195 3,069,865
3 89.5 6.2 65.0 210 2,374,050 8,822 119,916,676 235 3,652,013
4 93.5 6.0 85.2 246 3,434,862 9,018 119,814,263 263 4,029,632
5 87.1 5.6 73.3 241 3,013,444 8,849 115,115,565 277 4,109,445
6 89.5 5.6 75.5 258 3,087,714 8,478 102,181,973 288 4,090,665
7 88.2 5.4 52.5 267 2,242,801 8,175 96,898,484 303 4,271,612
8 93.1 5.3 74.9 304 3,379,909 8,107 91,091,307 327 4,514,202
9 101.4 5.3 68.2 367 3,182,691 8,364 85,777,273 362 4,668,744
10 102.8 5.1 76.9 414 3,681,540 8,886 82,332,039 403 4,787,887
11+ 0 0 0 0 0 0
Total 90.5 1.8 68.7 2,547 27,413,377 84,510 1,036,398,823 2,816 39,909,352
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 8 125,378 0 23
15-19 0.0 0.0 0.0 0 0 83 1,248,465 0 297
20-24 0.0 0.0 0.0 0 0 130 1,065,786 0 299
25-29 1212.1 1212.1 698.6 1 5,171 228 1,991,814 0 740
30-34 0.0 0.0 0.0 0 0 186 3,940,875 0 2,042
35-39 871.6 616.3 1048.5 2 19,432 300 2,563,360 0 1,853
40-44 520.5 300.5 792.7 3 45,597 502 4,825,016 1 5,752
45-49 538.1 170.2 376.6 10 66,457 1,061 11,047,117 2 17,645
50-54 215.8 57.7 252.6 14 135,702 2,332 20,702,697 6 53,725
55-59 147.5 25.7 160.0 33 273,298 5,032 39,247,498 22 170,846
60-64 132.0 14.9 87.0 78 460,126 8,334 77,969,053 59 529,140
65-69 99.1 7.3 85.1 185 1,123,350 16,112 116,165,232 187 1,319,295
70-74 97.6 5.7 57.3 292 2,025,253 15,012 185,858,486 299 3,533,479
75-79 92.3 3.9 69.8 548 6,296,387 15,967 260,945,843 594 9,021,890
80-84 82.7 3.1 54.9 725 8,194,412 12,975 225,215,483 876 14,914,203
85-89 89.4 3.9 82.4 527 6,065,743 5,256 67,192,709 589 7,363,380
90-94 71.9 6.6 90.3 117 2,497,825 930 15,516,991 163 2,767,113
95-99 70.4 21.2 90.3 11 179,332 58 748,520 16 198,649
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 90.5 1.8 68.7 2,547 27,413,377 84,510 1,036,398,823 2,816 39,909,352
Ultimate Experience By Attained Age
18-59 221.9 41.2 458.2 29 402,238 7,006 49,722,339 13 87,782
60-64 215.4 31.1 210.4 48 262,876 4,940 27,720,669 22 124,953
65-69 146.8 15.6 179.3 89 577,461 8,229 43,683,568 61 322,127
70-74 152.2 9.1 164.8 279 1,448,797 15,021 72,411,275 183 878,881
75-79 137.0 4.7 132.3 844 3,552,183 30,833 134,978,348 616 2,685,827
80-84 128.8 2.6 119.4 2,470 9,969,209 52,872 232,100,118 1,917 8,346,655
85-89 117.3 1.6 108.0 5,420 21,285,049 64,939 277,969,545 4,621 19,705,644
90+ 92.8 0.9 94.7 10,909 46,535,089 67,968 298,141,468 11,752 49,114,910
Total 104.7 0.7 103.4 20,088 84,032,902 251,808 1,136,727,329 19,185 81,266,778
GRAND TOTAL 102.9 0.7 92.0 22,635 111,446,279 336,318 2,173,126,152 22,001 121,176,130

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.1     TOTAL EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 63.0 8.6 18.9 53 384,532 4,347 75,634,149 84 2,031,779
2 74.5 8.4 52.6 79 1,271,693 4,681 76,123,727 106 2,419,585
3 92.0 8.5 83.7 117 2,346,720 5,143 82,775,099 127 2,803,637
4 85.1 7.7 63.7 122 2,049,860 5,297 89,998,830 143 3,215,958
5 83.6 7.2 54.1 135 1,834,948 5,298 87,785,481 161 3,393,932
6 86.4 6.7 75.3 168 2,914,611 5,550 90,845,037 195 3,868,118
7 89.2 6.4 47.9 197 2,080,290 5,656 91,739,660 221 4,344,224
8 81.8 5.7 50.7 203 2,419,335 5,824 89,992,262 248 4,776,492
9 92.0 5.5 54.8 276 2,837,676 6,320 88,393,171 300 5,177,379
10 102.4 5.4 62.9 359 3,668,553 7,033 90,236,767 351 5,831,046
11+ 0 0 0 0 0 0
Total 88.2 2.1 57.6 1,709 21,808,218 55,148 863,524,183 1,937 37,862,150
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 7 5,751 0 4
15-19 0.0 0.0 0.0 0 0 14 13,707 0 10
20-24 0.0 0.0 0.0 0 0 57 66,590 0 52
25-29 0.0 0.0 0.0 0 0 61 128,623 0 141
30-34 0.0 0.0 0.0 0 0 90 1,609,664 0 996
35-39 638.2 638.2 420.5 1 2,001 120 366,913 0 476
40-44 991.6 572.5 883.6 3 17,043 187 1,158,784 0 1,929
45-49 621.8 235.0 194.7 7 20,082 462 4,399,281 1 10,313
50-54 136.9 55.9 108.6 6 35,597 1,045 8,180,361 4 32,766
55-59 202.3 32.8 199.5 38 388,636 3,167 30,690,418 19 194,842
60-64 151.1 16.2 96.3 87 628,369 6,442 72,874,001 58 652,646
65-69 118.9 7.8 89.5 234 1,612,849 13,551 124,999,416 197 1,802,386
70-74 94.4 6.1 53.2 243 2,378,903 10,945 186,095,745 257 4,471,515
75-79 78.0 4.3 47.1 329 4,919,543 9,530 235,724,780 422 10,438,356
80-84 75.1 3.7 45.2 417 5,324,341 6,746 148,594,511 555 11,790,221
85-89 86.0 5.4 69.7 258 2,883,570 2,118 29,178,688 300 4,138,483
90-94 67.7 7.8 77.1 75 2,763,024 563 16,647,869 111 3,585,320
95-99 91.3 27.5 112.5 11 834,260 43 2,789,079 12 741,694
100+ 0 0 0 0 0 0
Total 88.2 2.1 57.6 1,709 21,808,218 55,148 863,524,183 1,937 37,862,150
Ultimate Experience By Attained Age
18-59 176.8 30.3 375.6 34 302,119 5,442 25,215,222 19 80,443
60-64 158.5 23.9 154.1 44 183,582 4,342 18,803,986 28 119,105
65-69 157.2 15.1 168.7 109 550,189 7,491 35,100,599 69 326,188
70-74 149.6 7.8 124.7 364 1,500,852 16,358 80,384,234 243 1,203,680
75-79 141.2 3.9 129.4 1,334 6,273,005 38,034 192,653,791 945 4,846,877
80-84 129.9 2.0 112.1 4,402 18,700,063 75,809 368,836,972 3,388 16,686,612
85-89 118.8 1.2 103.4 10,348 41,591,635 104,779 478,821,239 8,707 40,207,844
90+ 99.3 0.7 93.4 20,818 82,870,346 115,568 502,817,282 20,962 88,756,884
Total 109.0 0.6 99.8 37,453 151,971,791 367,823 1,702,633,324 34,361 152,227,632
GRAND TOTAL 107.9 0.5 91.4 39,162 173,780,009 422,971 2,566,157,507 36,298 190,089,782

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.2     TOTAL EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 65.7 3.8 56.0 298 2,821,827 25,931 228,191,298 453 5,039,623
2 76.4 3.9 59.9 393 3,371,695 26,471 227,257,467 514 5,624,508
3 93.8 4.0 71.0 553 4,482,856 27,508 230,488,949 590 6,318,202
4 103.8 4.0 84.4 657 5,539,003 27,521 222,397,586 633 6,564,596
5 102.5 4.0 92.2 665 5,958,929 26,491 209,364,405 649 6,462,526
6 103.1 4.0 128.3 659 7,522,875 24,543 174,149,425 639 5,863,449
7 101.2 4.0 85.1 646 4,455,365 23,292 152,448,970 639 5,237,586
8 105.2 4.0 94.6 703 4,860,210 23,061 140,934,657 669 5,139,828
9 113.2 3.9 103.7 838 5,334,973 24,621 135,577,693 740 5,145,926
10 113.2 3.7 102.6 920 4,895,578 26,205 129,431,100 813 4,770,209
11+ 0 0 0 0 0 0
Total 99.9 1.3 87.7 6,332 49,243,311 255,644 1,850,241,550 6,339 56,166,452
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 4152.4 4152.4 11720.6 1 44,864 36 551,316 0 383
15-19 1150.7 1150.7 370.6 1 1,877 150 1,449,009 0 506
20-24 0.0 0.0 0.0 0 0 242 2,991,618 0 2,599
25-29 435.4 435.4 313.9 1 5,171 323 2,687,995 0 1,647
30-34 574.5 406.2 1083.3 2 28,999 370 3,614,121 0 2,677
35-39 393.2 227.0 285.8 3 22,378 646 6,230,645 1 7,829
40-44 247.0 100.9 511.3 6 108,456 1,403 11,772,454 2 21,211
45-49 265.4 66.4 270.1 16 117,745 2,450 19,244,975 6 43,596
50-54 268.4 34.9 288.9 59 467,293 5,776 44,391,231 22 161,769
55-59 183.4 12.9 163.3 203 1,109,204 19,568 121,707,363 111 679,289
60-64 129.0 6.3 113.3 413 2,238,259 37,328 238,130,033 320 1,975,914
65-69 114.6 3.1 102.1 1,349 5,853,716 83,459 417,583,776 1,177 5,735,235
70-74 103.5 3.3 75.9 973 5,054,099 44,105 313,190,102 940 6,661,332
75-79 95.5 2.9 95.5 1,073 11,622,790 28,416 323,859,835 1,123 12,166,965
80-84 86.9 2.4 72.5 1,287 11,104,905 22,101 235,588,583 1,481 15,313,673
85-89 82.7 3.0 84.9 756 8,580,557 8,010 89,482,068 914 10,101,298
90-94 77.5 5.9 86.1 173 2,562,047 1,194 16,519,779 223 2,976,773
95-99 92.7 23.9 97.0 15 295,659 60 1,120,942 16 304,707
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 99.9 1.3 87.7 6,332 49,243,311 255,644 1,850,241,550 6,339 56,166,452
Ultimate Experience By Attained Age
18-59 185.0 21.6 206.6 73 513,396 13,553 93,304,766 39 248,514
60-64 188.6 16.4 183.8 132 730,003 11,686 65,902,590 70 397,229
65-69 149.1 8.0 180.0 350 2,184,814 26,057 133,713,174 235 1,213,646
70-74 126.5 3.9 118.1 1,046 4,490,512 56,053 255,257,993 827 3,803,733
75-79 123.6 2.0 116.9 3,963 14,966,666 128,650 510,663,930 3,207 12,804,065
80-84 115.2 1.1 114.0 10,577 39,113,357 206,828 765,536,594 9,183 34,306,387
85-89 103.6 0.7 103.3 19,390 65,694,981 225,742 761,506,600 18,712 63,617,107
90+ 93.2 0.5 93.1 30,669 91,313,794 189,474 570,659,622 32,921 98,115,081
Total 101.5 0.4 102.1 66,200 219,007,523 858,043 3,156,545,268 65,194 214,505,762
GRAND TOTAL 101.4 0.4 99.1 72,532 268,250,834 1,113,687 5,006,786,818 71,533 270,672,214

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.3     MALE EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 70.8 12.9 20.3 30 240,249 1,987 34,348,353 42 1,183,184
2 73.0 12.0 55.6 37 785,442 2,087 34,597,388 51 1,412,305
3 89.4 12.3 100.7 53 1,536,612 2,233 35,893,820 59 1,525,421
4 82.6 11.2 45.1 54 735,603 2,271 39,385,215 65 1,632,128
5 105.5 12.1 72.4 76 1,211,726 2,232 39,147,692 72 1,673,562
6 110.9 11.8 89.6 89 1,531,669 2,196 36,847,081 80 1,708,936
7 97.1 10.6 59.6 84 1,111,145 2,165 37,276,188 86 1,864,194
8 90.9 9.7 49.1 87 1,003,367 2,223 37,247,834 96 2,044,831
9 86.0 8.7 48.1 98 1,013,397 2,415 35,822,037 114 2,106,757
10 111.8 9.3 61.9 145 1,446,873 2,668 36,662,505 130 2,337,548
11+ 0 0 0 0 0 0
Total 94.6 3.4 60.7 753 10,616,083 22,476 367,228,112 796 17,488,867
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 7 5,751 0 4
15-19 0.0 0.0 0.0 0 0 9 9,702 0 9
20-24 0.0 0.0 0.0 0 0 31 40,626 0 45
25-29 0.0 0.0 0.0 0 0 29 104,081 0 133
30-34 0.0 0.0 0.0 0 0 54 206,725 0 275
35-39 812.4 812.4 525.5 1 2,001 73 247,056 0 381
40-44 903.4 638.8 460.0 2 7,423 118 879,338 0 1,614
45-49 474.3 273.8 235.5 3 13,581 184 1,781,997 1 5,767
50-54 102.6 59.2 35.6 3 8,256 551 4,722,410 3 23,178
55-59 223.2 45.6 185.4 24 248,825 1,445 17,444,974 11 134,186
60-64 170.5 23.0 128.8 55 524,355 3,040 38,327,913 32 406,987
65-69 130.3 10.8 93.6 147 1,020,751 6,704 64,752,507 113 1,089,989
70-74 103.3 9.0 55.0 133 1,373,114 4,570 83,679,366 129 2,496,234
75-79 70.6 6.5 35.7 119 1,919,419 3,060 100,006,749 169 5,370,335
80-84 77.3 6.8 56.6 129 1,768,608 1,698 32,374,137 167 3,127,235
85-89 82.7 8.7 71.2 91 1,184,977 630 9,373,049 110 1,664,016
90-94 71.8 11.2 71.3 41 1,761,105 257 10,642,285 57 2,471,590
95-99 111.0 49.6 112.5 5 783,668 17 2,629,445 5 696,889
100+ 0 0 0 0 0 0
Total 94.6 3.4 60.7 753 10,616,083 22,476 367,228,112 796 17,488,867
Ultimate Experience By Attained Age
18-59 144.9 30.2 258.5 23 157,395 3,759 14,468,487 16 60,887
60-64 123.3 24.2 108.2 26 94,612 2,865 11,802,647 21 87,457
65-69 149.4 18.1 118.9 68 257,512 4,305 20,462,925 46 216,578
70-74 144.2 9.9 110.0 211 816,373 8,470 42,819,307 146 742,074
75-79 138.1 5.0 118.1 764 3,563,977 18,603 101,509,434 553 3,018,043
80-84 124.6 2.6 105.0 2,258 10,310,487 33,067 179,961,518 1,813 9,818,090
85-89 114.0 1.7 97.8 4,589 20,275,108 39,743 206,631,194 4,026 20,738,921
90+ 98.1 1.1 86.8 7,902 32,793,521 38,561 185,662,476 8,056 37,771,262
Total 107.9 0.9 94.2 15,841 68,268,985 149,373 763,317,987 14,676 72,453,313
GRAND TOTAL 107.3 0.8 87.7 16,594 78,885,068 171,849 1,130,546,099 15,472 89,942,179

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.4     MALE EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 74.7 6.0 58.0 154 1,298,090 11,160 97,123,051 206 2,238,613
2 82.2 6.0 53.1 187 1,319,920 11,250 96,840,428 228 2,487,511
3 105.5 6.5 77.2 267 2,123,950 11,475 97,186,581 253 2,750,170
4 114.3 6.6 84.0 303 2,383,850 11,370 93,670,585 265 2,838,369
5 112.5 6.4 87.0 306 2,426,511 11,018 87,854,104 272 2,788,634
6 110.7 6.4 174.2 300 4,618,545 10,338 76,111,389 271 2,651,280
7 111.2 6.4 96.0 304 2,136,223 9,921 64,723,280 273 2,225,648
8 100.5 6.0 75.3 285 1,592,838 9,783 59,039,750 284 2,114,953
9 128.1 6.3 122.9 411 2,705,051 10,556 57,529,084 321 2,200,371
10 115.6 5.7 97.1 413 1,944,845 11,342 54,233,760 357 2,002,190
11+ 0 0 0 0 0 0
Total 107.3 2.0 92.8 2,930 22,549,823 108,215 784,312,012 2,730 24,297,737
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 4417.0 4417.0 12467.6 1 44,864 28 425,938 0 360
15-19 1430.3 1430.3 892.1 1 1,877 72 204,548 0 210
20-24 0.0 0.0 0.0 0 0 138 1,951,796 0 2,307
25-29 0.0 0.0 0.0 0 0 127 720,723 0 915
30-34 795.9 562.8 2184.1 2 28,999 192 1,026,872 0 1,328
35-39 197.0 197.0 50.6 1 2,946 312 3,429,904 1 5,824
40-44 240.1 120.1 479.9 4 72,479 722 6,632,618 2 15,103
45-49 243.9 81.3 211.7 9 55,594 1,093 8,270,833 4 26,262
50-54 266.6 46.4 280.3 33 260,174 2,384 18,694,195 12 92,834
55-59 200.7 18.3 186.5 120 714,642 8,125 53,611,234 60 383,224
60-64 130.8 8.6 111.7 230 1,238,328 16,991 111,042,494 176 1,108,536
65-69 121.8 4.2 103.2 859 3,651,893 43,594 223,652,311 706 3,538,498
70-74 108.0 4.9 75.6 480 2,571,993 17,300 133,054,137 444 3,403,746
75-79 99.0 4.9 106.2 409 6,014,090 8,364 124,635,693 413 5,661,961
80-84 86.8 4.2 69.2 427 3,719,233 5,928 66,100,224 492 5,375,450
85-89 82.8 5.0 89.0 273 3,197,172 2,443 25,720,332 330 3,591,336
90-94 86.0 10.1 86.1 72 812,694 375 4,523,733 84 943,373
95-99 130.0 43.3 111.2 9 162,845 24 517,220 7 146,403
100+ 0 0 0 0 0 0
Total 107.3 2.0 92.8 2,930 22,549,823 108,215 784,312,012 2,730 24,297,737
Ultimate Experience By Attained Age
18-59 169.1 25.2 142.0 45 238,084 6,962 49,380,207 27 167,612
60-64 169.9 19.9 165.5 73 410,499 5,745 33,097,845 43 248,091
65-69 150.9 10.5 186.0 205 1,363,780 12,753 68,894,128 136 733,362
70-74 123.5 5.1 105.2 594 2,487,155 27,797 137,045,330 481 2,363,135
75-79 122.2 2.5 114.4 2,391 9,294,612 66,205 275,698,232 1,957 8,123,759
80-84 117.7 1.5 114.6 6,012 23,296,220 94,723 377,929,812 5,110 20,325,816
85-89 102.2 1.1 101.7 9,377 34,398,980 91,584 339,927,418 9,179 33,835,763
90+ 93.1 0.8 92.0 12,818 40,893,424 68,493 225,713,717 13,762 44,450,526
Total 102.7 0.6 101.9 31,515 112,382,754 374,262 1,507,686,690 30,695 110,248,065
GRAND TOTAL 103.1 0.6 100.3 34,445 134,932,577 482,477 2,291,998,701 33,425 134,545,802

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.5     FEMALE EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 55.0 11.5 17.0 23 144,283 2,360 41,285,796 42 848,595
2 75.8 11.7 48.3 42 486,251 2,594 41,526,339 55 1,007,280
3 94.3 11.8 63.4 64 810,108 2,909 46,881,279 68 1,278,216
4 87.1 10.6 83.0 68 1,314,257 3,026 50,613,616 78 1,583,830
5 66.0 8.6 36.2 59 623,222 3,067 48,637,789 89 1,720,369
6 69.1 7.8 64.0 79 1,382,942 3,354 53,997,956 114 2,159,182
7 84.1 7.9 39.1 113 969,145 3,491 54,463,472 134 2,480,030
8 76.1 7.1 51.8 116 1,415,968 3,601 52,744,428 152 2,731,661
9 95.6 7.2 59.4 178 1,824,279 3,905 52,571,134 186 3,070,622
10 96.8 6.6 63.6 214 2,221,680 4,365 53,574,262 221 3,493,498
11+ 0 0 0 0 0 0
Total 83.8 2.7 54.9 956 11,192,135 32,672 496,296,071 1,141 20,373,283
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 5 4,005 0 1
20-24 0.0 0.0 0.0 0 0 26 25,964 0 7
25-29 0.0 0.0 0.0 0 0 32 24,542 0 8
30-34 0.0 0.0 0.0 0 0 36 1,402,939 0 721
35-39 0.0 0.0 0.0 0 0 47 119,857 0 95
40-44 1232.1 1232.1 3054.1 1 9,620 69 279,446 0 315
45-49 810.9 405.5 143.0 4 6,501 278 2,617,284 0 4,545
50-54 205.5 118.6 285.2 3 27,341 494 3,457,951 1 9,588
55-59 174.4 46.6 230.5 14 139,811 1,722 13,245,444 8 60,656
60-64 126.3 22.3 42.3 32 104,014 3,401 34,546,088 25 245,659
65-69 103.5 11.1 83.1 87 592,098 6,847 60,246,909 84 712,397
70-74 85.5 8.2 50.9 110 1,005,789 6,375 102,416,379 129 1,975,280
75-79 82.9 5.7 59.2 210 3,000,124 6,470 135,718,031 253 5,068,021
80-84 74.1 4.4 41.0 288 3,555,733 5,048 116,220,374 388 8,662,987
85-89 87.9 6.8 68.6 167 1,698,593 1,489 19,805,639 190 2,474,467
90-94 63.4 10.9 90.0 34 1,001,919 306 6,005,584 54 1,113,730
95-99 79.5 32.5 112.9 6 50,592 26 159,634 8 44,805
100+ 0 0 0 0 0 0
Total 83.8 2.7 54.9 956 11,192,135 32,672 496,296,071 1,141 20,373,283
Ultimate Experience By Attained Age
18-59 328.0 98.9 740.1 11 144,724 1,683 10,746,735 3 19,556
60-64 269.3 63.5 281.1 18 88,970 1,477 7,001,339 7 31,648
65-69 172.0 26.9 267.0 41 292,677 3,186 14,637,674 24 109,610
70-74 157.8 12.8 148.3 153 684,479 7,888 37,564,927 97 461,606
75-79 145.5 6.1 148.1 570 2,709,028 19,431 91,144,357 392 1,828,833
80-84 136.1 2.9 122.1 2,144 8,389,576 42,742 188,875,454 1,575 6,868,522
85-89 123.0 1.6 109.5 5,759 21,316,527 65,036 272,190,045 4,681 19,468,923
90+ 100.1 0.9 98.2 12,916 50,076,825 77,007 317,154,806 12,906 50,985,621
Total 109.8 0.7 104.9 21,612 83,702,806 218,450 939,315,337 19,685 79,774,320
GRAND TOTAL 108.4 0.7 94.8 22,568 94,894,941 251,122 1,435,611,408 20,826 100,147,603

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 3.6     FEMALE EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 58.2 4.9 54.4 144 1,523,737 14,770 131,068,247 247 2,801,011
2 71.8 5.0 65.4 206 2,051,775 15,222 130,417,039 287 3,136,997
3 84.9 5.0 66.1 286 2,358,906 16,033 133,302,368 337 3,568,032
4 96.2 5.1 84.7 354 3,155,153 16,151 128,727,001 368 3,726,227
5 95.3 5.0 96.1 359 3,532,418 15,473 121,510,300 377 3,673,892
6 97.4 5.1 90.4 359 2,904,330 14,205 98,038,036 369 3,212,169
7 93.6 5.1 77.0 342 2,319,142 13,371 87,725,690 365 3,011,938
8 108.6 5.3 108.0 418 3,267,372 13,278 81,894,907 385 3,024,876
9 101.8 4.9 89.3 427 2,629,922 14,064 78,048,609 419 2,945,554
10 111.3 4.9 106.6 507 2,950,733 14,862 75,197,341 455 2,768,019
11+ 0 0 0 0 0 0
Total 94.3 1.6 83.8 3,402 26,693,488 147,429 1,065,929,538 3,609 31,868,715
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 8 125,378 0 23
15-19 0.0 0.0 0.0 0 0 78 1,244,460 0 296
20-24 0.0 0.0 0.0 0 0 104 1,039,822 0 292
25-29 1392.7 1392.7 706.3 1 5,171 196 1,967,272 0 732
30-34 0.0 0.0 0.0 0 0 178 2,587,249 0 1,349
35-39 783.2 553.8 969.1 2 19,432 333 2,800,741 0 2,005
40-44 262.2 185.4 588.9 2 35,977 681 5,139,835 1 6,109
45-49 299.5 113.2 358.5 7 62,151 1,357 10,974,143 2 17,334
50-54 270.7 53.1 300.5 26 207,119 3,392 25,697,035 10 68,935
55-59 163.0 17.9 133.3 83 394,562 11,443 68,096,129 51 296,066
60-64 126.7 9.4 115.3 183 999,931 20,337 127,087,539 144 867,378
65-69 103.9 4.7 100.2 490 2,201,823 39,865 193,931,466 472 2,196,737
70-74 99.5 4.5 76.2 493 2,482,106 26,805 180,135,965 495 3,257,586
75-79 93.5 3.6 86.2 664 5,608,700 20,052 199,224,142 710 6,505,004
80-84 87.0 3.0 74.3 860 7,385,672 16,173 169,488,360 989 9,938,222
85-89 82.7 3.8 82.7 483 5,383,385 5,567 63,761,736 584 6,509,962
90-94 72.4 7.2 86.0 101 1,749,353 819 11,996,046 140 2,033,401
95-99 64.8 26.5 83.9 6 132,814 36 603,722 9 158,304
100+ 64.4 64.4 281.7 1 25,292 5 28,499 2 8,980
Total 94.3 1.6 83.8 3,402 26,693,488 147,429 1,065,929,538 3,609 31,868,715
Ultimate Experience By Attained Age
18-59 217.8 41.2 340.3 28 275,312 6,592 43,924,559 13 80,901
60-64 218.2 28.4 214.2 59 319,504 5,941 32,804,745 27 149,138
65-69 146.5 12.2 170.9 145 821,034 13,304 64,819,046 99 480,284
70-74 130.7 6.1 139.1 452 2,003,357 28,256 118,212,663 346 1,440,598
75-79 125.8 3.2 121.2 1,572 5,672,054 62,445 234,965,698 1,250 4,680,306
80-84 112.1 1.7 113.1 4,565 15,817,137 112,104 387,606,782 4,073 13,980,571
85-89 105.0 1.0 105.1 10,013 31,296,001 134,159 421,579,182 9,532 29,781,344
90+ 93.2 0.7 94.0 17,851 50,420,370 120,980 344,945,904 19,159 53,664,555
Total 100.5 0.5 102.3 34,685 106,624,769 483,781 1,648,858,579 34,499 104,257,697
GRAND TOTAL 99.9 0.5 97.9 38,087 133,318,257 631,210 2,714,788,117 38,108 136,126,412

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.1     TOTAL EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.8 3.8 46.6 227 1,818,208 23,932 221,189,764 393 3,903,841
2 76.0 4.1 76.3 340 3,305,830 24,381 216,676,800 447 4,330,686
3 83.6 4.1 91.3 425 4,302,989 25,245 215,080,094 508 4,715,589
4 76.8 3.7 75.6 421 3,741,210 25,720 212,513,338 548 4,951,151
5 93.3 4.1 78.8 527 4,072,677 24,724 199,826,161 565 5,169,665
6 96.1 4.1 108.8 548 5,713,189 23,065 184,276,891 570 5,252,067
7 99.3 4.2 82.0 570 4,123,623 21,724 162,535,046 574 5,029,384
8 94.0 4.0 71.0 558 3,616,644 21,279 152,624,166 594 5,092,040
9 98.1 3.9 89.7 635 4,744,889 22,255 147,993,433 648 5,289,417
10 93.9 3.6 72.5 678 3,920,755 23,919 148,900,865 722 5,410,574
11+ 0 0 0 0 0 0
Total 88.5 1.3 80.1 4,929 39,360,014 236,243 1,861,616,558 5,569 49,144,415
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 12 12,421 0 2
20-24 0.0 0.0 0.0 0 0 8 111,448 0 137
25-29 0.0 0.0 0.0 0 0 30 132,448 0 63
30-34 0.0 0.0 0.0 0 0 57 320,795 0 242
35-39 1153.5 666.0 257.6 3 5,589 249 2,132,640 0 2,170
40-44 1040.0 367.7 18935.7 8 778,935 542 3,394,730 1 4,114
45-49 107.3 53.7 191.7 4 69,235 1,702 15,879,655 4 36,107
50-54 126.9 25.4 111.2 25 163,544 5,699 46,116,609 20 147,081
55-59 115.2 9.8 89.5 138 780,407 21,600 162,827,542 120 871,746
60-64 92.9 4.9 63.7 365 1,747,378 45,969 332,541,210 393 2,742,936
65-69 104.0 3.2 90.6 1,026 5,831,475 68,968 468,068,687 987 6,435,372
70-74 84.4 2.9 76.3 833 6,098,760 42,128 344,548,575 987 7,992,533
75-79 82.7 2.6 75.8 1,017 8,550,739 28,441 259,894,166 1,230 11,278,132
80-84 87.5 2.7 80.3 1,051 10,760,980 16,260 179,685,633 1,202 13,402,393
85-89 75.8 3.8 74.6 389 3,727,301 4,017 39,681,435 513 4,999,429
90-94 58.5 7.4 66.5 63 774,942 542 5,989,722 108 1,164,754
95-99 124.3 47.0 105.2 7 70,729 21 278,843 6 67,205
100+ 0 0 0 0 0 0
Total 88.5 1.3 80.1 4,929 39,360,014 236,243 1,861,616,558 5,569 49,144,415
Ultimate Experience By Attained Age
18-59 161.2 40.3 120.2 16 65,493 3,398 19,746,716 10 54,469
60-64 162.4 21.3 169.2 58 328,722 6,728 37,018,437 36 194,277
65-69 122.8 8.3 105.6 221 1,111,387 21,199 124,196,890 180 1,052,753
70-74 109.8 3.7 106.7 860 4,954,967 55,270 325,867,330 783 4,644,540
75-79 114.7 2.0 108.0 3,249 17,270,748 116,116 655,445,240 2,832 15,988,308
80-84 105.2 1.2 99.0 7,458 37,317,961 157,568 839,642,905 7,086 37,677,942
85-89 97.9 0.9 95.6 11,089 52,313,667 131,130 637,655,510 11,321 54,725,690
90+ 87.6 0.9 89.0 10,291 45,262,034 67,362 294,594,597 11,749 50,863,967
Total 97.8 0.5 96.0 33,242 158,624,979 558,771 2,934,167,625 33,998 165,201,947
GRAND TOTAL 96.5 0.5 92.4 38,171 197,984,993 795,014 4,795,784,183 39,567 214,346,361

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.2     TOTAL EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 103.7 59.9 82.0 3 19,084 116 868,031 3 23,277
2 138.8 35.8 75.0 15 83,062 402 3,436,651 11 110,753
3 84.5 18.0 73.0 22 211,489 828 7,556,917 26 289,841
4 108.2 15.6 78.1 48 363,678 1,270 10,912,624 44 465,451
5 116.6 13.5 100.2 75 638,163 1,708 14,211,872 64 636,974
6 119.2 11.8 108.0 102 887,545 2,132 16,547,618 86 821,605
7 116.4 10.5 106.4 122 989,889 2,459 18,068,782 105 930,077
8 111.3 9.1 99.0 148 1,076,702 2,971 19,763,355 133 1,087,685
9 103.7 7.8 100.2 177 1,294,562 3,784 23,372,711 171 1,292,167
10 123.6 7.6 168.7 262 2,704,214 4,731 28,626,871 212 1,603,396
11+ 0 0 0 0 0 0
Total 114.0 3.7 113.9 974 8,268,388 20,401 143,365,432 854 7,261,227
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 7 31,074 0 7
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 8 25,151 0 22
30-34 0.0 0.0 0.0 0 0 3 13,918 0 7
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 71 254,303 0 320
45-49 0.0 0.0 0.0 0 0 137 869,191 0 2,435
50-54 224.3 129.5 212.5 3 13,976 375 1,922,080 1 6,576
55-59 198.8 57.4 146.1 12 53,082 988 5,864,450 6 36,335
60-64 144.8 24.5 102.7 35 135,663 2,528 14,743,205 24 132,147
65-69 148.9 13.9 117.4 114 466,185 4,700 25,153,369 77 396,989
70-74 141.4 12.1 154.3 136 996,496 3,545 24,246,924 96 645,690
75-79 119.6 7.8 176.1 237 2,700,041 3,917 30,038,616 198 1,532,892
80-84 103.0 6.0 92.7 298 2,369,204 3,200 29,160,189 289 2,555,382
85-89 83.2 8.2 81.4 104 1,138,812 775 9,053,445 125 1,398,826
90-94 101.4 17.9 77.4 32 372,370 131 1,741,826 32 481,280
95-99 39.4 27.9 29.4 2 21,043 16 246,176 5 71,456
100+ 175.4 175.4 175.4 1 1,516 1 1,516 1 864
Total 114.0 3.7 113.9 974 8,268,388 20,401 143,365,432 854 7,261,227
Ultimate Experience By Attained Age
18-59 557.6 176.3 424.0 10 57,562 674 5,289,362 2 13,576
60-64 189.3 48.9 229.4 15 103,811 1,632 9,394,740 8 45,257
65-69 168.2 20.9 210.2 65 428,698 4,914 25,771,038 39 203,942
70-74 147.3 8.7 135.1 285 1,366,527 14,753 77,090,939 193 1,011,331
75-79 133.3 3.8 121.2 1,238 5,474,488 42,314 205,409,187 929 4,517,585
80-84 125.3 1.8 119.7 4,796 21,085,554 94,866 434,196,487 3,829 17,617,385
85-89 112.3 1.0 108.1 12,015 49,851,992 137,111 592,188,782 10,701 46,102,490
90+ 100.2 0.7 99.8 21,099 84,697,724 127,063 517,844,340 21,047 84,901,003
Total 107.6 0.5 105.6 39,523 163,066,356 423,327 1,867,184,876 36,747 154,412,568
GRAND TOTAL 107.7 0.5 106.0 40,497 171,334,744 443,728 2,010,550,308 37,601 161,673,795

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.3     MALE EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 67.5 5.1 53.8 175 1,387,896 11,995 111,423,237 259 2,579,686
2 86.6 5.4 94.0 255 2,699,539 12,224 109,263,365 295 2,871,170
3 81.7 4.9 95.6 273 2,981,140 12,631 108,348,261 334 3,118,293
4 76.6 4.6 73.2 275 2,369,478 12,877 106,949,055 359 3,237,049
5 99.1 5.2 87.8 368 2,958,100 12,399 100,750,558 371 3,367,257
6 102.5 5.2 128.1 384 4,404,821 11,563 93,530,790 375 3,438,537
7 105.4 5.3 91.5 397 2,967,742 10,896 81,342,587 377 3,244,845
8 98.6 5.0 74.0 383 2,438,090 10,684 77,032,877 389 3,293,066
9 99.6 4.9 96.4 421 3,283,106 11,163 74,601,242 423 3,406,730
10 97.4 4.5 76.2 459 2,652,663 12,021 74,933,617 471 3,481,652
11+ 0 0 0 0 0 0
Total 92.8 1.6 87.8 3,390 28,142,575 118,454 938,175,588 3,652 32,038,284
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 8 111,448 0 137
25-29 0.0 0.0 0.0 0 0 3 16,282 0 20
30-34 0.0 0.0 0.0 0 0 23 71,938 0 96
35-39 1568.1 1108.8 531.6 2 4,022 75 420,545 0 757
40-44 926.4 534.9 71907.6 3 768,509 134 463,687 0 1,069
45-49 0.0 0.0 0.0 0 0 362 5,332,330 1 17,524
50-54 130.2 43.4 90.4 9 47,214 1,312 10,740,693 7 52,200
55-59 126.8 15.3 88.8 69 382,994 7,385 60,725,227 54 431,469
60-64 104.4 7.4 72.4 200 1,038,500 18,250 142,741,923 192 1,434,026
65-69 115.7 4.3 107.6 741 4,294,982 38,969 250,146,391 640 3,991,603
70-74 90.4 3.8 77.5 571 3,991,630 23,159 189,788,437 631 5,147,944
75-79 85.8 3.3 82.8 684 6,012,352 15,542 140,160,246 797 7,259,875
80-84 88.6 3.2 91.2 750 8,114,326 9,995 104,723,658 847 8,901,380
85-89 76.2 4.4 71.6 299 2,756,182 2,822 28,118,321 392 3,847,269
90-94 66.9 8.9 75.3 57 703,459 401 4,546,722 85 934,058
95-99 129.3 57.8 150.6 5 28,405 13 67,740 4 18,859
100+ 0 0 0 0 0 0
Total 92.8 1.6 87.8 3,390 28,142,575 118,454 938,175,588 3,652 32,038,284
Ultimate Experience By Attained Age
18-59 163.5 66.7 92.5 6 17,258 816 4,882,499 4 18,655
60-64 176.9 38.6 240.7 21 139,190 1,573 7,598,674 12 57,816
65-69 147.1 14.9 121.0 98 467,046 6,154 35,627,719 67 386,056
70-74 115.9 5.7 120.5 407 2,598,689 20,026 122,794,924 351 2,156,127
75-79 125.5 2.8 115.1 2,018 10,583,534 54,279 310,485,202 1,608 9,192,533
80-84 110.9 1.6 100.5 4,839 23,744,891 80,792 440,047,370 4,365 23,637,257
85-89 99.4 1.2 97.9 7,402 35,730,404 74,637 369,663,136 7,450 36,511,343
90+ 88.0 1.0 87.9 7,410 32,478,623 44,302 196,430,690 8,423 36,932,850
Total 99.6 0.7 97.1 22,201 105,759,635 282,581 1,487,530,215 22,279 108,892,638
GRAND TOTAL 98.7 0.6 95.0 25,591 133,902,210 401,035 2,425,705,803 25,931 140,930,922

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.4     MALE EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 159.4 112.7 89.5 2 7,943 27 189,257 1 8,876
2 157.6 59.6 101.8 7 32,303 92 627,789 4 31,727
3 97.3 29.3 74.7 11 77,993 226 1,806,386 11 104,452
4 84.1 20.4 45.9 17 98,264 373 3,109,946 20 213,965
5 128.8 20.6 117.0 39 363,072 521 4,334,658 30 310,435
6 121.3 17.5 89.8 48 355,033 646 5,047,001 40 395,186
7 139.8 17.3 126.6 65 551,944 726 5,337,787 46 435,845
8 105.5 13.6 85.1 60 421,895 831 5,566,637 57 495,687
9 113.4 12.8 114.5 79 646,072 1,042 6,480,734 70 564,320
10 145.2 13.1 241.9 122 1,707,733 1,292 8,740,918 84 706,084
11+ 0 0 0 0 0 0
Total 123.6 5.8 130.5 450 4,262,252 5,777 41,241,115 364 3,266,576
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 3 14,899 0 18
30-34 0 0 0 0 0 0
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 10 4,643 0 8
45-49 0.0 0.0 0.0 0 0 6 287,064 0 1,264
50-54 0.0 0.0 0.0 0 0 41 202,205 0 1,055
55-59 218.4 109.2 115.8 4 15,178 224 1,588,937 2 13,107
60-64 155.2 54.9 113.7 8 24,729 397 1,735,479 5 21,748
65-69 159.4 22.8 112.2 49 177,023 1,500 7,806,361 31 157,726
70-74 161.8 21.4 184.8 57 430,780 978 6,502,619 35 233,124
75-79 160.9 15.6 308.0 106 1,640,916 975 7,566,154 66 532,839
80-84 113.2 9.3 101.3 148 1,055,134 1,183 9,524,645 131 1,041,475
85-89 86.3 11.0 80.1 61 692,422 385 4,792,117 71 864,429
90-94 78.5 20.3 57.8 15 205,027 65 1,084,061 19 354,629
95-99 44.6 31.5 46.6 2 21,043 13 131,931 4 45,153
100+ 0 0 0 0 0 0
Total 123.6 5.8 130.5 450 4,262,252 5,777 41,241,115 364 3,266,576
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 72 514,933 0 2,060
60-64 222.8 157.6 141.5 2 6,839 120 645,454 1 4,834
65-69 217.7 62.8 202.8 12 68,612 511 3,136,760 6 33,829
70-74 152.0 20.7 132.0 54 259,499 2,000 11,106,305 36 196,519
75-79 166.4 8.6 150.6 374 1,745,393 7,444 38,354,322 225 1,159,319
80-84 147.4 3.8 146.3 1,536 7,711,599 18,687 95,217,755 1,042 5,269,810
85-89 118.5 1.9 115.0 3,715 15,982,305 30,630 136,757,137 3,134 13,896,107
90+ 104.0 1.2 104.4 7,203 30,098,323 34,380 144,878,099 6,925 28,825,338
Total 113.4 1.0 113.1 12,896 55,872,570 93,843 430,610,766 11,368 49,387,815
GRAND TOTAL 113.8 1.0 114.2 13,346 60,134,822 99,620 471,851,881 11,733 52,654,391

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.5     FEMALE EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 38.9 5.4 32.5 52 430,312 11,937 109,766,527 134 1,324,155
2 55.7 6.0 41.5 85 606,291 12,157 107,413,435 153 1,459,516
3 87.2 7.1 82.8 152 1,321,849 12,614 106,731,833 174 1,597,296
4 77.2 6.4 80.0 146 1,371,732 12,842 105,564,283 189 1,714,102
5 82.2 6.5 61.8 159 1,114,577 12,325 99,075,603 193 1,802,408
6 83.9 6.5 72.1 164 1,308,368 11,502 90,746,100 196 1,813,530
7 87.5 6.7 64.8 173 1,155,881 10,828 81,192,459 198 1,784,539
8 85.3 6.4 65.5 175 1,178,554 10,595 75,591,290 205 1,798,974
9 95.2 6.5 77.6 214 1,461,783 11,092 73,392,191 225 1,882,687
10 87.5 5.9 65.7 219 1,268,092 11,898 73,967,248 250 1,928,922
11+ 0 0 0 0 0 0
Total 80.3 2.0 65.6 1,539 11,217,439 117,789 923,440,970 1,917 17,106,130
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 12 12,421 0 2
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 27 116,166 0 43
30-34 0.0 0.0 0.0 0 0 34 248,857 0 145
35-39 754.5 754.5 110.9 1 1,567 174 1,712,095 0 1,413
40-44 1122.6 502.0 342.4 5 10,426 409 2,931,043 0 3,045
45-49 165.1 82.6 372.6 4 69,235 1,340 10,547,325 2 18,583
50-54 125.2 31.3 122.6 16 116,330 4,387 35,375,915 13 94,881
55-59 105.6 12.7 90.3 69 397,413 14,215 102,102,315 65 440,277
60-64 81.9 6.4 54.2 165 708,878 27,719 189,799,287 201 1,308,910
65-69 82.3 4.9 62.9 285 1,536,493 29,999 217,922,296 346 2,443,769
70-74 73.8 4.6 74.1 262 2,107,130 18,969 154,760,137 355 2,844,590
75-79 76.9 4.2 63.2 333 2,538,387 12,898 119,733,920 433 4,018,257
80-84 84.8 4.9 58.8 301 2,646,654 6,265 74,961,975 355 4,501,013
85-89 74.7 7.9 84.3 90 971,119 1,195 11,563,115 121 1,152,160
90-94 26.7 10.9 31.0 6 71,483 140 1,443,000 23 230,697
95-99 113.4 80.2 87.5 2 42,324 7 211,103 2 48,346
100+ 0 0 0 0 0 0
Total 80.3 2.0 65.6 1,539 11,217,439 117,789 923,440,970 1,917 17,106,130
Ultimate Experience By Attained Age
18-59 159.9 50.6 134.7 10 48,235 2,582 14,864,216 6 35,814
60-64 155.2 25.5 138.9 37 189,532 5,155 29,419,763 24 136,461
65-69 108.5 9.8 96.6 123 644,341 15,045 88,569,171 113 666,697
70-74 104.9 4.9 94.7 453 2,356,278 35,244 203,072,406 432 2,488,414
75-79 100.6 2.9 98.4 1,231 6,687,214 61,836 344,960,037 1,224 6,795,775
80-84 96.2 1.9 96.7 2,619 13,573,070 76,775 399,595,535 2,721 14,040,685
85-89 95.2 1.6 91.0 3,687 16,583,263 56,492 267,992,374 3,871 18,214,347
90+ 86.6 1.6 91.8 2,881 12,783,410 23,060 98,163,907 3,327 13,931,117
Total 94.2 0.9 93.9 11,041 52,865,343 276,190 1,446,637,410 11,719 56,309,309
GRAND TOTAL 92.3 0.8 87.3 12,580 64,082,782 393,979 2,370,078,379 13,636 73,415,439

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 4.6     FEMALE EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.1 61.1 77.4 1 11,141 89 678,774 2 14,401
2 125.6 44.4 64.2 8 50,759 310 2,808,862 6 79,026
3 74.7 22.5 72.0 11 133,496 602 5,750,530 15 185,390
4 128.3 23.1 105.5 31 265,414 897 7,802,678 24 251,486
5 105.7 17.6 84.2 36 275,091 1,187 9,877,214 34 326,539
6 117.5 16.0 124.9 54 532,512 1,486 11,500,616 46 426,419
7 97.7 12.9 88.6 57 437,945 1,734 12,730,994 58 494,232
8 115.6 12.3 110.6 88 654,807 2,140 14,196,718 76 591,999
9 97.1 9.8 89.1 98 648,490 2,741 16,891,976 101 727,847
10 109.4 9.2 111.1 140 996,481 3,439 19,885,953 128 897,312
11+ 0 0 0 0 0 0
Total 106.9 4.7 100.3 524 4,006,136 14,624 102,124,317 490 3,994,651
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 7 31,074 0 7
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 5 10,252 0 4
30-34 0.0 0.0 0.0 0 0 3 13,918 0 7
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 61 249,660 0 311
45-49 0.0 0.0 0.0 0 0 131 582,127 0 1,171
50-54 269.8 155.8 253.1 3 13,976 334 1,719,875 1 5,521
55-59 190.3 67.3 163.2 8 37,904 764 4,275,513 4 23,228
60-64 142.0 27.3 100.5 27 110,934 2,131 13,007,726 19 110,398
65-69 141.8 17.6 120.9 65 289,162 3,200 17,347,007 46 239,263
70-74 129.6 14.6 137.1 79 565,716 2,567 17,744,305 61 412,566
75-79 99.0 8.7 105.9 131 1,059,125 2,942 22,472,462 132 1,000,054
80-84 94.5 7.7 86.8 150 1,314,070 2,018 19,635,544 159 1,513,906
85-89 79.2 12.1 83.5 43 446,390 390 4,261,328 54 534,396
90-94 136.7 33.1 132.1 17 167,343 66 657,765 12 126,651
95-99 0.0 0.0 0.0 0 0 3 114,245 1 26,303
100+ 175.4 175.4 175.4 1 1,516 1 1,516 1 864
Total 106.9 4.7 100.3 524 4,006,136 14,624 102,124,317 490 3,994,651
Ultimate Experience By Attained Age
18-59 663.7 209.9 499.8 10 57,562 602 4,774,430 2 11,516
60-64 185.1 51.3 239.9 13 96,972 1,513 8,749,286 7 40,424
65-69 160.0 22.0 211.7 53 360,086 4,403 22,634,278 33 170,113
70-74 146.2 9.6 135.9 231 1,107,028 12,753 65,984,634 158 814,812
75-79 122.8 4.2 111.0 864 3,729,095 34,870 167,054,865 704 3,358,266
80-84 117.0 2.0 108.3 3,260 13,373,955 76,179 338,978,732 2,786 12,347,575
85-89 109.7 1.2 105.2 8,300 33,869,687 106,481 455,431,645 7,567 32,206,382
90+ 98.4 0.8 97.4 13,896 54,599,401 92,683 372,966,241 14,121 56,075,665
Total 104.9 0.6 102.1 26,627 107,193,786 329,484 1,436,574,110 25,378 105,024,753
GRAND TOTAL 105.0 0.6 102.0 27,151 111,199,922 344,108 1,538,698,427 25,869 109,019,404

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.1     TOTAL EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 63.8 13.3 54.2 23 12,087 2,817 1,696,864 36 22,283
2 108.1 16.1 105.7 45 28,343 3,038 1,865,918 42 26,814
3 164.3 18.6 165.6 78 51,591 3,244 2,007,406 47 31,145
4 123.7 15.5 122.4 64 41,707 3,304 2,055,940 52 34,067
5 124.7 14.8 125.9 71 47,206 3,347 2,086,700 57 37,494
6 113.6 13.7 113.9 69 45,404 3,420 2,140,494 61 39,855
7 119.1 13.1 109.9 83 50,274 3,597 2,259,322 70 45,747
8 114.1 11.6 107.7 96 58,934 3,981 2,479,597 84 54,714
9 119.8 10.2 119.8 139 88,731 5,015 3,079,538 116 74,094
10 127.9 9.3 125.0 187 116,385 5,948 3,660,715 146 93,109
11+ 0 0 0 0 0 0
Total 120.3 4.1 117.7 855 540,662 37,711 23,332,496 711 459,322
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 15 10,533 0 8
15-19 0.0 0.0 0.0 0 0 63 29,710 0 18
20-24 0.0 0.0 0.0 0 0 89 48,824 0 42
25-29 0.0 0.0 0.0 0 0 95 41,309 0 19
30-34 0.0 0.0 0.0 0 0 126 69,596 0 64
35-39 0.0 0.0 0.0 0 0 209 92,473 0 109
40-44 0.0 0.0 0.0 0 0 287 134,213 0 203
45-49 62.4 62.4 52.1 1 421 622 301,957 2 809
50-54 109.1 48.8 80.0 5 2,090 1,068 606,066 5 2,614
55-59 214.3 33.9 211.6 40 23,109 3,230 1,872,998 19 10,921
60-64 143.3 16.5 142.1 75 46,071 5,706 3,540,783 52 32,427
65-69 120.6 7.0 119.8 298 185,237 16,164 10,143,533 247 154,577
70-74 132.1 9.4 128.3 197 118,205 6,656 4,105,260 149 92,123
75-79 102.9 12.2 102.1 71 49,344 1,547 1,080,396 69 48,316
80-84 98.6 10.9 93.2 82 54,693 1,174 799,741 83 58,678
85-89 100.1 11.6 102.8 75 53,620 607 418,207 75 52,160
90-94 116.7 36.9 117.7 10 6,988 53 35,981 9 5,939
95-99 306.9 306.9 306.9 1 884 1 884 0 288
100+ 0.0 0.0 0.0 0 0 1 30 0 9
Total 120.3 4.1 117.7 855 540,662 37,711 23,332,496 711 459,322
Ultimate Experience By Attained Age
18-59 174.6 34.3 210.5 26 16,152 4,540 2,243,785 15 7,674
60-64 129.9 21.1 126.3 38 21,042 4,520 2,570,501 29 16,662
65-69 138.2 12.8 148.5 117 73,577 9,066 5,295,121 85 49,555
70-74 131.2 7.0 128.4 353 205,477 17,814 10,591,451 269 160,015
75-79 131.3 3.6 129.5 1,306 787,485 39,142 23,905,849 995 607,968
80-84 120.0 2.0 119.3 3,487 2,136,145 64,653 39,811,021 2,906 1,790,458
85-89 111.3 1.3 111.7 7,133 4,367,489 76,476 46,736,017 6,407 3,909,695
90+ 94.1 0.8 95.2 14,732 8,488,857 83,607 48,683,105 15,653 8,913,035
Total 103.2 0.6 104.1 27,192 16,096,224 299,817 179,836,851 26,358 15,455,061
GRAND TOTAL 103.6 0.6 104.5 28,047 16,636,886 337,528 203,169,347 27,069 15,914,383

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.2     TOTAL EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 71.4 6.2 70.2 131 359,459 12,290 33,582,671 183 512,307
2 86.9 6.3 85.0 190 516,985 13,003 35,229,274 219 608,212
3 101.1 6.2 100.5 263 727,445 13,950 37,630,930 260 723,680
4 115.1 6.4 117.4 327 922,022 14,192 38,084,591 284 785,198
5 101.7 5.7 102.7 313 865,001 14,024 37,219,045 308 841,877
6 98.1 5.5 95.7 322 848,481 13,590 35,690,093 328 886,816
7 107.9 5.5 107.6 381 1,020,707 13,342 34,736,252 353 948,585
8 105.6 5.2 102.8 410 1,063,518 13,573 34,976,314 388 1,034,162
9 115.6 5.1 112.9 522 1,346,181 14,721 37,587,953 452 1,192,357
10 114.9 4.7 115.1 595 1,560,065 16,051 40,713,093 518 1,355,764
11+ 0 0 0 0 0 0
Total 104.9 1.8 103.8 3,454 9,229,864 138,737 365,450,217 3,293 8,888,958
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 2802.5 2802.5 2640.4 1 1,877 57 154,233 0 71
20-24 0.0 0.0 0.0 0 0 103 282,576 0 181
25-29 0.0 0.0 0.0 0 0 144 291,046 0 226
30-34 0.0 0.0 0.0 0 0 151 345,105 0 359
35-39 639.5 452.2 583.4 2 4,947 252 709,784 0 848
40-44 317.4 183.3 229.3 3 6,307 557 1,628,986 1 2,750
45-49 609.4 157.4 622.6 15 39,119 1,013 2,533,714 2 6,283
50-54 292.6 53.4 310.6 30 82,727 2,657 6,961,182 10 26,634
55-59 205.5 18.6 209.4 122 316,656 10,353 26,533,867 59 151,195
60-64 138.4 8.9 140.1 244 639,973 20,330 53,048,292 176 456,647
65-69 118.6 4.1 119.3 839 2,093,685 50,222 125,283,233 707 1,754,340
70-74 104.2 4.4 99.9 567 1,480,292 24,938 67,789,589 544 1,482,102
75-79 94.4 4.0 94.4 555 1,588,962 14,202 41,007,631 588 1,682,991
80-84 92.8 3.6 93.1 668 1,903,381 10,141 29,138,998 720 2,044,576
85-89 88.0 4.8 87.7 342 889,061 3,153 8,426,797 389 1,013,506
90-94 65.0 8.7 64.4 56 156,308 430 1,229,394 86 242,583
95-99 116.7 36.9 117.2 10 26,569 31 82,612 9 22,664
100+ 0.0 0.0 0.0 0 0 3 3,177 1 1,002
Total 104.9 1.8 103.8 3,454 9,229,864 138,737 365,450,217 3,293 8,888,958
Ultimate Experience By Attained Age
18-59 167.5 25.9 171.3 42 107,188 7,822 20,038,278 25 62,571
60-64 174.3 20.8 184.2 70 176,797 6,686 16,092,233 40 95,971
65-69 148.2 10.5 160.1 199 520,138 14,997 36,403,383 134 324,788
70-74 135.4 5.1 140.5 692 1,736,809 35,003 84,977,541 511 1,236,327
75-79 128.1 2.4 128.4 2,749 6,544,126 87,065 207,588,657 2,147 5,097,429
80-84 121.5 1.3 122.1 8,192 19,575,938 152,817 364,389,791 6,740 16,037,816
85-89 108.9 0.8 108.8 16,589 38,850,328 184,763 433,497,355 15,232 35,708,168
90+ 96.4 0.6 96.3 27,643 63,086,036 165,764 380,287,726 28,684 65,543,043
Total 105.0 0.4 105.2 56,176 130,597,360 654,917 1,543,274,965 53,514 124,106,114
GRAND TOTAL 105.0 0.4 105.1 59,630 139,827,224 793,654 1,908,725,182 56,807 132,995,072

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.3     TOTAL EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 78.6 7.7 78.3 104 742,099 7,393 52,637,775 132 947,846
2 69.9 6.8 69.9 106 757,871 7,462 53,139,669 152 1,084,574
3 82.3 6.9 82.4 144 1,034,261 7,730 55,143,048 175 1,254,599
4 91.9 6.9 90.9 175 1,239,760 7,687 54,863,110 190 1,363,955
5 103.5 7.3 103.0 201 1,429,309 7,243 51,665,571 194 1,388,214
6 97.4 7.0 97.3 192 1,367,675 6,616 47,146,987 197 1,405,809
7 106.1 7.3 106.5 212 1,513,724 6,205 44,062,107 200 1,420,698
8 97.9 6.9 100.0 202 1,465,958 5,938 42,097,785 206 1,465,881
9 105.8 6.8 107.4 241 1,728,330 6,045 42,716,797 228 1,609,653
10 111.7 6.7 110.6 278 1,933,285 6,235 43,883,569 249 1,748,699
11+ 0 0 0 0 0 0
Total 96.4 2.2 96.5 1,855 13,212,272 68,555 487,356,418 1,923 13,689,927
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 11 76,762 0 41
15-19 0.0 0.0 0.0 0 0 18 153,310 0 156
20-24 0.0 0.0 0.0 0 0 42 286,989 0 202
25-29 1889.8 1889.8 1478.3 1 5,171 73 470,282 0 350
30-34 1127.8 1127.8 1398.9 1 9,201 90 647,725 0 658
35-39 673.8 673.8 647.5 1 6,900 135 949,040 0 1,066
40-44 475.2 274.4 572.8 3 25,502 361 2,510,353 1 4,452
45-49 201.2 116.1 255.4 3 26,154 614 4,248,428 1 10,240
50-54 192.5 58.0 208.1 11 82,961 1,541 10,731,468 6 39,868
55-59 125.7 21.6 133.6 34 254,609 4,878 34,329,561 27 190,559
60-64 141.0 13.0 139.4 117 820,821 9,789 69,380,133 83 589,007
65-69 117.1 6.9 115.3 289 2,004,951 18,045 126,911,653 247 1,739,166
70-74 107.2 6.5 105.5 276 1,952,535 12,162 87,559,217 257 1,851,391
75-79 96.0 4.8 96.3 393 2,851,370 10,380 75,620,106 410 2,961,449
80-84 82.9 3.9 83.6 441 3,106,873 7,563 53,038,441 532 3,717,587
85-89 80.3 5.2 81.0 235 1,694,300 2,502 17,879,018 293 2,093,010
90-94 80.3 11.5 80.3 49 362,299 329 2,426,944 61 450,973
95-99 16.4 16.4 21.7 1 8,625 21 136,987 6 39,752
100+ 0 0 0 0 0 0
Total 96.4 2.2 96.5 1,855 13,212,272 68,555 487,356,418 1,923 13,689,927
Ultimate Experience By Attained Age
18-59 171.7 40.5 165.4 18 121,861 3,649 25,477,821 10 73,679
60-64 252.4 39.9 249.7 40 276,607 2,724 19,022,103 16 110,786
65-69 155.8 18.1 161.3 74 537,158 5,345 37,477,020 48 332,979
70-74 134.9 8.9 136.1 230 1,625,371 11,621 81,397,347 170 1,194,013
75-79 129.7 4.6 128.8 809 5,594,650 25,244 175,798,602 624 4,344,554
80-84 115.9 2.5 115.7 2,176 14,925,770 42,293 290,586,703 1,878 12,905,769
85-89 106.7 1.7 106.8 4,067 27,784,609 46,049 313,972,626 3,810 26,005,236
90+ 97.4 1.3 97.7 6,050 41,550,663 36,719 251,160,495 6,213 42,540,403
Total 105.4 0.9 105.6 13,464 92,416,689 173,644 1,194,892,716 12,768 87,507,418
GRAND TOTAL 104.3 0.8 104.4 15,319 105,628,961 242,199 1,682,249,134 14,692 101,197,345

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.4     TOTAL EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 50.0 5.2 37.4 93 2,092,714 7,777 215,908,136 186 5,588,966
2 62.8 5.5 52.8 131 3,340,189 7,648 213,146,332 209 6,324,492
3 78.9 5.8 70.5 185 5,016,279 7,726 218,482,664 234 7,112,415
4 85.1 5.8 70.9 213 5,385,374 7,636 217,392,775 250 7,597,334
5 85.6 5.8 71.8 215 5,452,361 7,175 206,178,570 251 7,588,872
6 98.5 6.3 110.5 244 8,175,926 6,466 180,016,888 248 7,399,087
7 70.5 5.5 55.1 167 3,950,950 5,804 163,130,949 237 7,166,781
8 83.2 5.9 63.7 198 4,691,135 5,392 151,373,223 238 7,361,564
9 86.6 5.9 67.3 212 5,009,407 5,160 140,586,575 245 7,447,200
10 87.5 5.9 66.9 219 4,954,396 5,003 131,410,490 250 7,403,683
11+ 0 0 0 0 0 0
Total 79.9 1.8 67.7 1,877 48,068,731 65,788 1,837,626,602 2,348 70,990,394
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 7874.9 7874.9 13246.0 1 44,864 17 469,772 0 339
15-19 0.0 0.0 0.0 0 0 26 1,125,462 0 271
20-24 0.0 0.0 0.0 0 0 65 2,439,819 0 2,226
25-29 0.0 0.0 0.0 0 0 72 2,013,981 0 1,194
30-34 1310.3 1310.3 763.9 1 19,798 93 4,161,359 0 2,592
35-39 467.8 467.8 199.5 1 12,532 170 4,846,261 0 6,283
40-44 421.6 243.4 595.4 3 93,690 384 8,657,685 1 15,735
45-49 250.4 125.2 197.2 4 72,133 663 16,560,156 2 36,576
50-54 326.7 75.0 267.2 19 335,112 1,555 34,272,876 6 125,420
55-59 184.3 27.5 173.3 45 903,466 4,274 89,661,355 24 521,456
60-64 96.8 12.1 87.7 64 1,359,763 7,945 185,034,826 66 1,550,479
65-69 90.9 7.3 81.8 157 3,182,692 12,578 280,244,774 173 3,889,539
70-74 71.3 5.4 50.4 176 3,881,970 11,295 339,831,781 247 7,707,231
75-79 80.0 4.1 67.3 383 12,052,657 11,817 441,876,483 479 17,912,565
80-84 73.2 3.2 53.4 513 11,364,299 9,970 301,205,914 701 21,283,053
85-89 79.1 4.2 79.7 362 8,827,146 3,867 91,936,734 458 11,081,106
90-94 74.6 6.5 81.9 133 4,799,476 945 29,475,329 178 5,862,598
95-99 105.8 28.3 111.2 14 1,093,841 50 3,689,538 13 983,697
100+ 317.4 317.4 317.4 1 25,292 1 25,292 0 7,969
Total 79.9 1.8 67.7 1,877 48,068,731 65,788 1,837,626,602 2,348 70,990,394
Ultimate Experience By Attained Age
18-59 254.5 55.5 308.2 21 570,314 2,984 70,760,104 8 185,033
60-64 223.7 42.3 149.9 28 439,139 2,099 47,021,738 13 292,915
65-69 183.1 22.0 192.7 69 1,604,130 4,141 89,638,249 38 832,511
70-74 112.8 9.7 100.3 135 2,423,707 7,973 158,675,887 120 2,417,059
75-79 112.0 5.4 109.4 433 8,313,410 15,234 296,024,612 387 7,600,991
80-84 107.4 3.2 104.5 1,124 21,175,567 22,873 439,586,052 1,047 20,258,956
85-89 98.9 2.2 95.0 1,949 36,284,190 23,232 446,121,841 1,970 38,201,852
90+ 91.9 1.7 87.4 3,062 61,058,584 18,952 393,345,578 3,333 69,875,484
Total 98.6 1.2 94.4 6,821 131,869,041 97,489 1,941,174,061 6,914 139,664,802
GRAND TOTAL 93.9 1.0 85.4 8,698 179,937,772 163,277 3,778,800,662 9,262 210,655,196

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.5     MALE EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 76.5 19.1 60.4 16 7,896 1,427 858,441 21 13,074
2 104.3 20.9 101.3 25 15,589 1,530 939,153 24 15,394
3 148.6 23.5 155.9 40 27,484 1,601 987,694 27 17,628
4 110.4 19.5 119.9 32 22,913 1,622 1,008,287 29 19,111
5 142.0 20.9 144.5 46 30,931 1,661 1,034,478 32 21,410
6 117.6 18.6 119.4 40 26,851 1,694 1,067,099 34 22,485
7 139.3 19.1 126.6 53 31,585 1,762 1,112,295 38 24,957
8 106.2 15.3 104.5 48 30,515 1,955 1,226,462 45 29,210
9 127.2 14.1 125.9 81 50,942 2,483 1,533,682 64 40,468
10 123.7 12.4 122.2 99 62,194 2,965 1,841,638 80 50,914
11+ 0 0 0 0 0 0
Total 121.8 5.6 120.5 480 306,900 18,700 11,609,230 394 254,652
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 15 10,533 0 8
15-19 0.0 0.0 0.0 0 0 33 16,645 0 16
20-24 0.0 0.0 0.0 0 0 68 35,027 0 38
25-29 0.0 0.0 0.0 0 0 17 6,037 0 8
30-34 0.0 0.0 0.0 0 0 64 35,847 0 49
35-39 0.0 0.0 0.0 0 0 116 47,742 0 76
40-44 0.0 0.0 0.0 0 0 114 43,752 0 105
45-49 0.0 0.0 0.0 0 0 313 155,604 1 563
50-54 99.1 57.2 96.2 3 1,617 538 291,270 3 1,681
55-59 261.4 51.3 244.4 26 14,227 1,298 751,880 10 5,822
60-64 155.7 22.5 158.2 48 29,827 2,852 1,737,045 31 18,851
65-69 127.0 9.1 127.0 196 124,290 9,022 5,743,811 154 97,840
70-74 129.9 12.9 127.0 101 60,955 2,862 1,765,655 78 47,997
75-79 83.6 15.8 84.9 28 20,095 606 428,918 33 23,674
80-84 83.3 15.5 82.3 29 20,237 430 296,015 35 24,577
85-89 97.1 14.8 103.4 43 31,960 333 231,199 44 30,908
90-94 137.9 61.7 130.6 5 2,808 19 11,364 4 2,150
95-99 306.9 306.9 306.9 1 884 1 884 0 288
100+ 0 0 0 0 0 0
Total 121.8 5.6 120.5 480 306,900 18,700 11,609,230 394 254,652
Ultimate Experience By Attained Age
18-59 153.4 36.2 182.5 18 11,134 2,901 1,471,865 12 6,102
60-64 130.9 24.3 133.6 29 16,858 2,964 1,685,660 22 12,621
65-69 142.7 15.7 152.2 83 52,030 5,494 3,229,634 58 34,192
70-74 135.3 8.7 134.2 240 141,235 10,306 6,115,529 177 105,262
75-79 128.3 4.4 126.8 838 505,970 22,136 13,512,290 653 398,918
80-84 120.7 2.7 119.3 2,028 1,234,990 31,134 19,167,343 1,681 1,035,030
85-89 109.7 1.9 109.2 3,500 2,124,890 31,646 19,331,273 3,190 1,946,407
90+ 93.0 1.2 94.0 5,972 3,419,254 30,199 17,424,456 6,421 3,638,438
Total 104.0 0.9 104.6 12,708 7,506,361 136,779 81,938,049 12,214 7,176,972
GRAND TOTAL 104.6 0.9 105.1 13,188 7,813,261 155,480 93,547,279 12,608 7,431,624

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.6     MALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 84.9 9.9 81.2 74 192,230 5,383 14,318,968 87 236,786
2 102.6 10.1 100.8 103 273,033 5,608 14,755,667 100 270,774
3 116.6 10.0 115.9 135 362,661 5,894 15,463,739 116 312,808
4 132.9 10.4 142.2 164 466,737 5,931 15,428,541 123 328,230
5 110.8 9.1 110.2 148 385,007 5,895 15,110,130 134 349,414
6 107.9 8.7 104.1 153 379,211 5,721 14,468,096 142 364,113
7 117.2 8.8 122.3 178 477,479 5,627 14,131,621 152 390,446
8 110.4 8.2 108.4 181 451,384 5,668 14,078,047 164 416,283
9 129.7 8.2 129.3 248 620,746 6,167 15,112,938 191 480,267
10 116.4 7.3 121.4 255 659,670 6,728 16,309,090 219 543,174
11+ 0 0 0 0 0 0
Total 114.7 2.8 115.6 1,639 4,268,158 58,621 149,176,837 1,428 3,692,296
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 3278.4 3278.4 3755.7 1 1,877 32 54,417 0 50
20-24 0.0 0.0 0.0 0 0 44 121,066 0 140
25-29 0.0 0.0 0.0 0 0 87 135,624 0 168
30-34 0.0 0.0 0.0 0 0 97 230,695 0 296
35-39 1028.4 727.2 972.3 2 4,947 109 295,766 0 509
40-44 317.2 224.3 275.2 2 5,107 274 818,898 1 1,855
45-49 590.9 208.9 631.9 8 22,582 389 1,030,386 1 3,574
50-54 311.9 73.5 342.5 18 51,308 1,098 2,866,216 6 14,981
55-59 221.2 26.4 237.6 70 189,644 4,264 10,791,739 32 79,803
60-64 139.6 12.1 144.4 133 351,635 9,053 23,221,493 95 243,442
65-69 129.5 5.6 130.6 539 1,315,634 25,764 62,406,769 416 1,007,320
70-74 107.4 6.6 103.3 267 689,599 9,434 25,263,692 248 667,253
75-79 99.7 6.9 97.8 210 579,616 4,100 11,626,586 211 592,623
80-84 94.8 6.3 100.9 223 646,097 2,684 7,403,096 235 640,060
85-89 92.5 8.0 96.4 135 329,573 1,048 2,517,372 146 341,774
90-94 80.1 15.1 78.2 28 73,205 138 376,690 35 93,650
95-99 165.9 95.8 152.8 3 7,334 6 16,332 2 4,799
100+ 0 0 0 0 0 0
Total 114.7 2.8 115.6 1,639 4,268,158 58,621 149,176,837 1,428 3,692,296
Ultimate Experience By Attained Age
18-59 155.0 29.3 158.4 28 70,928 4,343 11,015,640 18 44,779
60-64 134.4 23.0 149.1 34 88,067 3,418 7,978,293 25 59,081
65-69 156.5 14.5 170.3 116 300,118 6,963 16,564,565 74 176,235
70-74 131.7 6.9 135.2 365 890,053 15,959 37,909,303 277 658,199
75-79 128.3 3.2 128.6 1,583 3,700,188 41,597 96,915,089 1,234 2,876,656
80-84 123.3 1.9 122.6 4,349 10,224,610 64,893 153,450,645 3,526 8,339,770
85-89 106.1 1.2 106.6 7,415 17,518,457 69,342 163,140,930 6,991 16,437,415
90+ 96.4 0.9 96.3 10,889 25,002,209 56,074 129,386,607 11,297 25,970,578
Total 105.7 0.7 105.9 24,779 57,794,630 262,590 616,361,073 23,443 54,562,714
GRAND TOTAL 106.2 0.7 106.5 26,418 62,062,788 321,211 765,537,910 24,872 58,255,009

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.7     MALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 80.6 11.9 80.0 46 327,064 2,962 21,150,741 57 408,651
2 69.0 10.5 69.2 43 307,388 2,942 20,983,501 62 444,110
3 92.8 11.6 89.6 64 440,625 2,984 21,336,998 69 492,025
4 105.5 12.0 105.3 77 547,171 2,924 20,904,822 73 519,824
5 124.7 13.1 128.6 90 657,904 2,728 19,459,220 72 511,653
6 108.0 12.2 107.4 79 556,062 2,486 17,677,247 73 517,581
7 112.9 12.2 117.3 85 624,757 2,369 16,803,372 75 532,764
8 83.3 10.4 85.2 64 461,345 2,234 15,803,609 77 541,657
9 102.9 11.0 105.5 88 635,736 2,281 16,106,782 85 602,827
10 125.0 11.6 124.2 117 815,874 2,348 16,503,831 94 656,850
11+ 0 0 0 0 0 0
Total 102.1 3.7 102.8 753 5,373,926 26,257 186,730,124 738 5,227,943
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 6 47,324 0 35
15-19 0.0 0.0 0.0 0 0 16 143,188 0 154
20-24 0.0 0.0 0.0 0 0 20 132,039 0 161
25-29 0.0 0.0 0.0 0 0 29 195,431 0 244
30-34 1509.6 1509.6 1853.9 1 9,201 51 374,714 0 496
35-39 0.0 0.0 0.0 0 0 67 501,529 0 722
40-44 428.3 302.9 467.8 2 15,882 217 1,586,789 0 3,395
45-49 237.2 167.7 339.8 2 18,954 259 1,710,818 1 5,579
50-54 66.7 47.1 80.1 2 16,778 585 4,101,544 3 20,938
55-59 160.7 33.5 176.6 23 179,059 1,964 13,921,969 14 101,391
60-64 140.7 17.9 139.8 62 438,450 4,306 30,611,581 44 313,613
65-69 121.5 9.3 120.6 171 1,202,668 8,825 62,636,931 141 997,005
70-74 122.6 10.2 119.5 144 1,007,116 4,565 32,837,418 117 842,746
75-79 97.1 8.4 99.3 134 979,298 2,747 19,750,255 138 986,493
80-84 80.8 7.1 82.3 130 924,789 1,830 12,734,749 161 1,123,382
85-89 64.7 8.4 65.3 59 419,908 647 4,578,224 91 643,533
90-94 85.6 18.3 84.8 22 153,198 120 839,745 26 180,692
95-99 117.1 117.1 117.1 1 8,625 3 25,875 1 7,363
100+ 0 0 0 0 0 0
Total 102.1 3.7 102.8 753 5,373,926 26,257 186,730,124 738 5,227,943
Ultimate Experience By Attained Age
18-59 184.3 51.1 181.3 13 91,096 1,896 13,545,651 7 50,242
60-64 234.3 51.1 241.2 21 151,800 1,205 8,464,054 9 62,936
65-69 142.6 23.4 146.3 37 265,416 2,438 17,045,056 26 181,437
70-74 130.7 11.6 131.4 126 887,009 5,556 38,916,944 96 675,144
75-79 127.7 5.9 127.2 467 3,249,489 12,344 86,346,932 366 2,555,324
80-84 112.6 3.3 112.3 1,168 8,052,983 19,124 132,303,044 1,037 7,168,979
85-89 103.1 2.3 103.2 1,950 13,408,533 18,944 130,232,212 1,891 12,995,866
90+ 96.5 2.0 97.0 2,435 16,859,627 12,909 89,032,683 2,524 17,386,865
Total 104.4 1.3 104.6 6,217 42,965,953 74,416 515,886,576 5,956 41,076,794
GRAND TOTAL 104.1 1.2 104.4 6,970 48,339,879 100,673 702,616,700 6,694 46,304,737

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.8     MALE EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.6 8.3 36.6 48 1,011,149 3,376 95,143,254 83 2,763,285
2 57.8 7.9 47.6 53 1,509,352 3,257 94,759,494 92 3,169,537
3 80.5 8.9 81.9 81 2,829,792 3,229 95,291,969 101 3,453,131
4 79.9 8.7 57.8 84 2,082,632 3,164 95,714,149 105 3,603,331
5 92.7 9.4 71.6 98 2,564,395 2,967 91,397,969 106 3,579,720
6 114.5 10.6 150.1 117 5,188,090 2,633 79,746,029 102 3,456,037
7 76.2 9.0 67.3 72 2,113,547 2,329 69,952,179 95 3,141,675
8 84.7 9.5 52.1 79 1,652,961 2,150 65,179,465 93 3,172,633
9 97.5 10.2 75.7 92 2,411,024 2,040 60,597,719 94 3,183,567
10 92.2 9.9 60.0 87 1,853,980 1,968 56,241,706 94 3,088,800
11+ 0 0 0 0 0 0
Total 84.0 3.0 71.2 811 23,216,922 27,113 804,023,933 965 32,611,713
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 8231.1 8231.1 13977.2 1 44,864 14 373,832 0 321
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 37 1,704,289 0 2,013
25-29 0.0 0.0 0.0 0 0 23 487,712 0 629
30-34 2262.6 2262.6 2600.0 1 19,798 34 592,341 0 761
35-39 0.0 0.0 0.0 0 0 94 2,831,923 0 4,897
40-44 377.8 267.2 518.6 2 58,913 234 5,062,517 1 11,361
45-49 193.6 136.9 123.9 2 27,639 316 7,156,021 1 22,313
50-54 370.9 102.9 253.4 13 198,727 714 16,157,575 4 78,413
55-59 170.9 34.2 175.7 25 580,537 2,045 45,590,620 15 330,393
60-64 110.8 17.1 100.3 42 942,771 3,821 93,800,287 38 939,615
65-69 93.5 9.3 80.4 100 2,030,052 6,687 157,617,308 107 2,526,322
70-74 78.0 7.8 50.4 101 2,187,437 5,008 156,866,739 130 4,341,984
75-79 78.2 6.3 67.4 156 6,354,500 3,971 192,836,684 199 9,429,506
80-84 76.3 5.8 58.0 174 3,896,718 2,683 78,040,500 228 6,714,666
85-89 80.2 7.1 84.9 127 3,600,708 1,044 27,766,586 158 4,239,137
90-94 75.7 9.9 74.7 58 2,344,588 355 13,938,218 77 3,138,471
95-99 106.6 35.5 111.9 9 929,670 31 3,103,574 8 830,843
100+ 0 0 0 0 0 0
Total 84.0 3.0 71.2 811 23,216,922 27,113 804,023,933 965 32,611,713
Ultimate Experience By Attained Age
18-59 159.8 53.3 174.5 9 222,321 1,581 37,815,537 6 127,376
60-64 196.4 50.7 123.6 15 248,386 1,023 26,772,485 8 200,909
65-69 160.2 26.3 179.9 37 1,003,728 2,163 52,517,798 23 558,075
70-74 96.5 11.2 83.1 74 1,385,231 4,446 96,922,861 77 1,666,604
75-79 103.6 6.3 101.7 267 5,402,942 8,731 180,433,355 258 5,310,904
80-84 106.8 4.0 103.6 725 14,094,124 12,639 252,970,298 679 13,600,127
85-89 97.2 2.9 93.2 1,101 21,622,208 11,394 233,854,196 1,133 23,194,995
90+ 90.4 2.4 80.6 1,424 28,405,855 7,872 175,532,448 1,575 35,225,908
Total 97.2 1.6 90.6 3,652 72,384,795 49,850 1,056,818,979 3,758 79,884,898
GRAND TOTAL 94.5 1.4 85.0 4,463 95,601,717 76,963 1,860,842,911 4,723 112,496,611

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.9     FEMALE EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.2 17.4 45.5 7 4,191 1,390 838,423 15 9,209
2 113.2 25.3 111.7 20 12,754 1,508 926,765 18 11,420
3 184.9 30.0 178.3 38 24,107 1,643 1,019,712 21 13,517
4 140.7 24.9 125.7 32 18,794 1,681 1,047,654 23 14,956
5 101.9 20.4 101.2 25 16,275 1,686 1,052,221 25 16,085
6 108.4 20.1 106.8 29 18,553 1,726 1,073,395 27 17,370
7 94.8 17.3 89.9 30 18,689 1,835 1,147,027 32 20,789
8 123.2 17.8 111.4 48 28,419 2,026 1,253,135 39 25,503
9 110.8 14.6 112.4 58 37,789 2,532 1,545,856 52 33,627
10 132.9 14.2 128.4 88 54,191 2,983 1,819,077 66 42,195
11+ 0 0 0 0 0 0
Total 118.4 6.1 114.2 375 233,762 19,011 11,723,266 317 204,670
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 30 13,065 0 3
20-24 0.0 0.0 0.0 0 0 21 13,797 0 4
25-29 0.0 0.0 0.0 0 0 78 35,272 0 11
30-34 0.0 0.0 0.0 0 0 62 33,749 0 15
35-39 0.0 0.0 0.0 0 0 93 44,731 0 32
40-44 0.0 0.0 0.0 0 0 173 90,461 0 97
45-49 195.8 195.8 171.4 1 421 309 146,353 1 246
50-54 128.5 90.8 50.7 2 473 530 314,796 2 933
55-59 160.6 42.9 174.2 14 8,882 1,933 1,121,118 9 5,099
60-64 125.5 24.1 119.7 27 16,244 2,854 1,803,737 22 13,576
65-69 109.8 10.9 107.4 102 60,947 7,142 4,399,723 93 56,737
70-74 134.5 13.7 129.7 96 57,250 3,793 2,339,605 71 44,126
75-79 121.1 18.5 118.7 43 29,249 941 651,479 36 24,641
80-84 109.6 15.1 101.0 53 34,456 744 503,726 48 34,101
85-89 104.5 18.5 101.9 32 21,660 274 187,008 31 21,251
90-94 101.2 45.2 110.3 5 4,180 34 24,617 5 3,789
95-99 0 0 0 0 0 0
100+ 0.0 0.0 0.0 0 0 1 30 0 9
Total 118.4 6.1 114.2 375 233,762 19,011 11,723,266 317 204,670
Ultimate Experience By Attained Age
18-59 253.6 89.7 319.3 8 5,018 1,639 771,920 3 1,572
60-64 126.7 42.2 103.5 9 4,184 1,555 884,842 7 4,041
65-69 128.2 22.0 140.3 34 21,547 3,572 2,065,488 27 15,363
70-74 123.2 11.6 117.3 113 64,242 7,508 4,475,922 92 54,752
75-79 136.9 6.3 134.7 468 281,515 17,006 10,393,560 342 209,049
80-84 119.0 3.1 119.3 1,459 901,155 33,519 20,643,678 1,226 755,428
85-89 112.9 1.9 114.2 3,633 2,242,599 44,830 27,404,744 3,217 1,963,288
90+ 94.9 1.0 96.1 8,760 5,069,603 53,408 31,258,650 9,232 5,274,597
Total 102.4 0.9 103.8 14,484 8,589,863 163,037 97,898,803 14,144 8,278,089
GRAND TOTAL 102.8 0.8 104.0 14,859 8,823,625 182,049 109,622,068 14,461 8,482,760

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.10     FEMALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 59.2 7.8 60.7 57 167,229 6,908 19,263,704 96 275,521
2 73.6 7.9 72.3 87 243,952 7,396 20,473,607 118 337,438
3 88.8 7.8 88.8 128 364,784 8,056 22,167,190 144 410,873
4 101.4 7.9 99.6 163 455,285 8,261 22,656,050 161 456,968
5 94.7 7.4 97.5 165 479,994 8,129 22,108,916 174 492,463
6 90.6 7.0 89.8 169 469,270 7,869 21,221,998 186 522,703
7 100.9 7.1 97.3 203 543,228 7,715 20,604,631 201 558,139
8 102.1 6.7 99.1 229 612,134 7,906 20,898,267 224 617,878
9 105.2 6.4 101.9 274 725,435 8,554 22,475,016 260 712,090
10 113.8 6.2 110.8 340 900,395 9,323 24,404,003 299 812,590
11+ 0 0 0 0 0 0
Total 97.3 2.3 95.5 1,815 4,961,706 80,116 216,273,380 1,865 5,196,663
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 25 99,816 0 21
20-24 0.0 0.0 0.0 0 0 59 161,510 0 41
25-29 0.0 0.0 0.0 0 0 57 155,423 0 58
30-34 0.0 0.0 0.0 0 0 54 114,410 0 63
35-39 0.0 0.0 0.0 0 0 143 414,018 0 339
40-44 317.8 317.8 134.1 1 1,200 283 810,089 0 895
45-49 632.1 238.9 610.3 7 16,537 624 1,503,328 1 2,710
50-54 267.7 77.3 269.6 12 31,419 1,559 4,094,966 4 11,653
55-59 187.6 26.0 177.9 52 127,012 6,089 15,742,128 28 71,392
60-64 136.9 13.0 135.2 111 288,338 11,276 29,826,799 81 213,204
65-69 103.1 6.0 104.2 300 778,051 24,458 62,876,464 291 747,020
70-74 101.5 5.9 97.0 300 790,693 15,504 42,525,898 295 814,849
75-79 91.5 4.9 92.6 345 1,009,346 10,102 29,381,045 377 1,090,369
80-84 91.8 4.4 89.5 445 1,257,284 7,456 21,735,902 485 1,404,516
85-89 85.2 5.9 83.3 207 559,488 2,104 5,909,425 243 671,732
90-94 54.6 10.3 55.8 28 83,103 292 852,704 51 148,934
95-99 103.5 39.1 107.7 7 19,235 25 66,280 7 17,866
100+ 0.0 0.0 0.0 0 0 3 3,177 1 1,002
Total 97.3 2.3 95.5 1,815 4,961,706 80,116 216,273,380 1,865 5,196,663
Ultimate Experience By Attained Age
18-59 199.8 53.4 203.8 14 36,260 3,479 9,022,638 7 17,791
60-64 242.5 40.4 240.5 36 88,730 3,268 8,113,940 15 36,889
65-69 138.0 15.1 148.1 83 220,020 8,033 19,838,818 60 148,553
70-74 139.7 7.7 146.5 327 846,756 19,044 47,068,238 234 578,129
75-79 127.8 3.7 128.1 1,166 2,843,938 45,467 110,673,568 913 2,220,773
80-84 119.6 1.9 121.5 3,843 9,351,328 87,923 210,939,146 3,214 7,698,047
85-89 111.3 1.2 110.7 9,174 21,331,871 115,421 270,356,425 8,241 19,270,753
90+ 96.4 0.7 96.2 16,754 38,083,827 109,690 250,901,119 17,387 39,572,465
Total 104.4 0.6 104.7 31,397 72,802,730 392,327 926,913,892 30,071 69,543,400
GRAND TOTAL 104.0 0.6 104.0 33,212 77,764,436 472,443 1,143,187,272 31,935 74,740,063

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.11     FEMALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 77.1 10.1 77.0 58 415,035 4,431 31,487,034 75 539,194
2 70.5 8.9 70.3 63 450,483 4,521 32,156,168 89 640,464
3 75.5 8.4 77.8 80 593,636 4,746 33,806,050 106 762,573
4 83.5 8.4 82.0 98 692,589 4,762 33,958,287 117 844,131
5 91.0 8.6 88.0 111 771,405 4,516 32,206,351 122 876,561
6 91.1 8.6 91.4 113 811,613 4,130 29,469,740 124 888,228
7 102.0 9.1 100.1 127 888,967 3,836 27,258,734 124 887,934
8 106.5 9.1 108.7 138 1,004,613 3,705 26,294,176 130 924,224
9 107.5 8.7 108.5 153 1,092,594 3,764 26,610,016 142 1,006,826
10 103.7 8.2 102.3 161 1,117,411 3,887 27,379,738 155 1,091,848
11+ 0 0 0 0 0 0
Total 93.0 2.8 92.6 1,102 7,838,346 42,298 300,626,294 1,186 8,461,984
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 5 29,438 0 5
15-19 0.0 0.0 0.0 0 0 2 10,122 0 2
20-24 0.0 0.0 0.0 0 0 22 154,950 0 41
25-29 5963.4 5963.4 4884.4 1 5,171 44 274,851 0 106
30-34 0.0 0.0 0.0 0 0 39 273,011 0 161
35-39 1901.8 1901.8 2010.4 1 6,900 68 447,511 0 343
40-44 608.5 608.5 909.8 1 9,620 144 923,564 0 1,057
45-49 154.3 154.3 154.4 1 7,200 355 2,537,610 1 4,662
50-54 331.5 110.5 349.6 9 66,183 956 6,629,924 3 18,930
55-59 86.4 26.1 84.7 11 75,550 2,914 20,407,592 13 89,168
60-64 141.3 19.1 138.8 55 382,371 5,484 38,768,552 39 275,393
65-69 111.1 10.2 108.1 118 802,283 9,221 64,274,722 106 742,161
70-74 94.3 8.2 93.7 132 945,419 7,597 54,721,800 140 1,008,645
75-79 95.4 5.9 94.8 259 1,872,072 7,633 55,869,851 272 1,974,956
80-84 83.9 4.8 84.1 311 2,182,084 5,734 40,303,692 371 2,594,204
85-89 87.4 6.6 87.9 176 1,274,392 1,854 13,300,794 201 1,449,477
90-94 76.4 14.7 77.4 27 209,101 209 1,587,198 35 270,281
95-99 0.0 0.0 0.0 0 0 18 111,112 5 32,389
100+ 0 0 0 0 0 0
Total 93.0 2.8 92.6 1,102 7,838,346 42,298 300,626,294 1,186 8,461,984
Ultimate Experience By Attained Age
18-59 145.8 65.2 131.3 5 30,765 1,753 11,932,169 3 23,437
60-64 276.0 63.3 260.8 19 124,807 1,519 10,558,049 7 47,850
65-69 171.6 28.2 179.3 37 271,742 2,907 20,431,964 22 151,543
70-74 140.4 13.8 142.3 104 738,362 6,065 42,480,404 74 518,869
75-79 132.4 7.2 131.1 342 2,345,161 12,900 89,451,670 258 1,789,230
80-84 119.9 3.8 119.8 1,008 6,872,787 23,170 158,283,659 841 5,736,789
85-89 110.3 2.4 110.5 2,117 14,376,076 27,105 183,740,414 1,919 13,009,370
90+ 98.0 1.6 98.2 3,615 24,691,036 23,810 162,127,812 3,689 25,153,537
Total 106.4 1.2 106.5 7,247 49,450,736 99,228 679,006,139 6,813 46,430,624
GRAND TOTAL 104.4 1.1 104.4 8,349 57,289,082 141,526 979,632,434 7,998 54,892,608

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 5.12     FEMALE EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 43.9 6.5 38.3 45 1,081,565 4,401 120,764,883 102 2,825,681
2 66.7 7.6 58.0 78 1,830,837 4,391 118,386,837 117 3,154,955
3 77.7 7.6 59.8 104 2,186,487 4,497 123,190,694 134 3,659,284
4 88.9 7.8 82.7 129 3,302,742 4,472 121,678,626 145 3,994,003
5 80.4 7.4 72.0 117 2,887,966 4,208 114,780,601 145 4,009,152
6 87.3 7.7 75.8 127 2,987,836 3,834 100,270,860 146 3,943,050
7 66.7 6.8 45.6 95 1,837,403 3,475 93,178,770 142 4,025,106
8 82.3 7.5 72.5 119 3,038,174 3,242 86,193,758 145 4,188,932
9 79.8 7.3 60.9 120 2,598,383 3,119 79,988,856 150 4,263,633
10 84.6 7.4 71.9 132 3,100,416 3,034 75,168,784 156 4,314,884
11+ 0 0 0 0 0 0
Total 77.1 2.4 64.8 1,066 24,851,809 38,675 1,033,602,669 1,383 38,378,681
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 3 95,940 0 18
15-19 0.0 0.0 0.0 0 0 26 1,125,462 0 271
20-24 0.0 0.0 0.0 0 0 28 735,530 0 213
25-29 0.0 0.0 0.0 0 0 49 1,526,269 0 565
30-34 0.0 0.0 0.0 0 0 59 3,569,018 0 1,830
35-39 1889.7 1889.7 904.4 1 12,532 76 2,014,338 0 1,386
40-44 548.9 548.9 795.1 1 34,777 150 3,595,167 0 4,374
45-49 354.4 250.6 312.0 2 44,494 347 9,404,135 1 14,263
50-54 259.7 106.0 290.1 6 136,385 841 18,115,301 2 47,007
55-59 204.3 45.7 169.0 20 322,929 2,229 44,070,735 10 191,063
60-64 78.0 16.6 68.3 22 416,992 4,124 91,234,539 28 610,864
65-69 86.8 11.5 84.6 57 1,152,640 5,891 122,627,465 66 1,363,216
70-74 64.0 7.4 50.4 75 1,694,533 6,287 182,965,042 117 3,365,247
75-79 81.3 5.4 67.2 227 5,698,157 7,846 249,039,799 279 8,483,059
80-84 71.6 3.9 51.3 339 7,467,581 7,287 223,165,414 473 14,568,387
85-89 78.5 5.1 76.4 235 5,226,438 2,822 64,170,148 299 6,841,968
90-94 73.8 8.5 90.1 75 2,454,888 590 15,537,111 102 2,724,127
95-99 104.3 46.7 107.4 5 164,171 19 585,964 5 152,854
100+ 317.4 317.4 317.4 1 25,292 1 25,292 0 7,969
Total 77.1 2.4 64.8 1,066 24,851,809 38,675 1,033,602,669 1,383 38,378,681
Ultimate Experience By Attained Age
18-59 458.2 132.3 603.6 12 347,993 1,403 32,944,567 3 57,657
60-64 266.3 73.9 207.3 13 190,753 1,076 20,249,253 5 92,006
65-69 219.4 38.8 218.8 32 600,402 1,978 37,120,450 15 274,436
70-74 141.9 18.2 138.4 61 1,038,476 3,527 61,753,026 43 750,455
75-79 128.9 10.0 127.1 166 2,910,468 6,503 115,591,257 129 2,290,087
80-84 108.4 5.4 106.3 399 7,081,443 10,235 186,615,753 368 6,658,829
85-89 101.3 3.5 97.7 848 14,661,982 11,838 212,267,645 837 15,006,857
90+ 93.2 2.3 94.2 1,638 32,652,729 11,080 217,813,130 1,757 34,649,577
Total 100.4 1.8 99.5 3,169 59,484,246 47,639 884,355,082 3,157 59,779,904
GRAND TOTAL 93.3 1.4 85.9 4,235 84,336,055 86,314 1,917,957,751 4,539 98,158,585

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.1     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 67.5 21.3 56.0 10 4,849 1,308 744,578 15 8,658
2 99.3 24.8 99.3 16 9,913 1,349 796,267 16 9,980
3 157.0 28.7 167.5 30 20,192 1,446 865,829 19 12,054
4 121.7 24.8 117.1 24 14,555 1,448 870,913 20 12,428
5 120.4 24.1 121.3 25 15,598 1,434 863,839 21 12,856
6 118.3 22.8 122.8 27 17,535 1,449 886,758 23 14,280
7 158.0 24.4 136.3 42 22,645 1,523 936,060 27 16,614
8 127.8 20.0 118.7 41 23,359 1,674 1,012,902 32 19,671
9 113.5 15.2 113.4 56 33,936 2,253 1,356,922 49 29,937
10 114.7 13.3 109.9 74 43,460 2,682 1,642,257 64 39,540
11+ 0 0 0 0 0 0
Total 120.7 6.5 117.1 345 206,042 16,566 9,976,324 286 176,018
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 7 2,063 0 2
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 21 7,878 0 11
35-39 0.0 0.0 0.0 0 0 82 23,430 0 26
40-44 0.0 0.0 0.0 0 0 111 38,397 0 44
45-49 0.0 0.0 0.0 0 0 229 99,288 1 235
50-54 95.0 95.0 48.6 1 300 287 165,994 1 618
55-59 274.3 62.9 270.2 19 11,262 1,205 721,254 7 4,168
60-64 154.2 27.7 153.6 31 19,000 2,234 1,378,388 20 12,373
65-69 116.5 9.9 114.9 138 82,433 7,357 4,470,704 118 71,724
70-74 126.1 11.7 119.8 116 65,584 4,223 2,519,095 92 54,764
75-79 74.7 22.5 89.8 11 9,014 394 273,725 15 10,042
80-84 121.3 23.4 113.6 27 17,215 344 225,519 22 15,155
85-89 12.5 12.5 10.2 1 591 62 44,483 8 5,800
90-94 62.9 62.9 60.8 1 643 10 6,106 2 1,058
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 120.7 6.5 117.1 345 206,042 16,566 9,976,324 286 176,018
Ultimate Experience By Attained Age
18-59 476.5 180.1 576.7 7 4,961 393 234,898 1 860
60-64 186.4 70.5 153.7 7 3,721 609 391,790 4 2,421
65-69 190.7 32.2 201.6 35 23,594 2,044 1,302,183 18 11,703
70-74 141.3 13.3 136.7 112 67,618 5,438 3,410,294 79 49,456
75-79 145.2 6.6 142.4 484 303,102 13,696 8,762,993 333 212,873
80-84 115.4 3.0 114.6 1,521 960,629 30,309 19,281,917 1,318 838,583
85-89 108.4 1.8 109.0 3,771 2,397,716 42,339 26,782,417 3,480 2,199,758
90+ 99.1 1.1 98.9 8,720 5,228,869 49,548 30,150,196 8,795 5,288,062
Total 104.5 0.9 104.5 14,657 8,990,210 144,376 90,316,687 14,029 8,603,716
GRAND TOTAL 104.8 0.9 104.7 15,002 9,196,252 160,942 100,293,011 14,315 8,779,734

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.2     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 70.8 9.3 71.6 58 168,219 5,915 16,295,728 82 235,036
2 82.0 9.2 79.5 80 221,511 6,170 16,897,430 98 278,783
3 86.2 8.7 89.0 98 290,108 6,479 17,699,120 114 325,813
4 129.6 10.4 132.5 154 449,616 6,440 17,532,286 119 339,258
5 96.8 8.8 97.3 120 342,311 6,213 16,757,469 124 351,748
6 105.9 9.0 105.0 137 383,288 5,912 15,814,820 129 365,031
7 99.2 8.6 98.1 134 372,449 5,757 15,256,109 135 379,773
8 110.8 8.7 103.0 162 417,048 5,861 15,368,983 146 404,795
9 110.0 7.9 107.9 194 519,361 6,600 17,199,087 176 481,380
10 121.7 7.8 116.0 246 630,988 7,194 18,518,322 202 543,726
11+ 0 0 0 0 0 0
Total 104.4 2.8 102.4 1,383 3,794,899 62,540 167,339,354 1,325 3,705,343
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 8 10,045 0 10
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 8 11,704 0 15
30-34 0.0 0.0 0.0 0 0 37 86,450 0 79
35-39 0.0 0.0 0.0 0 0 30 85,652 0 108
40-44 0.0 0.0 0.0 0 0 99 238,139 0 378
45-49 148.7 148.7 96.8 1 1,568 267 614,920 1 1,619
50-54 357.5 113.1 342.3 10 25,925 695 1,857,998 3 7,575
55-59 218.5 29.2 201.4 56 132,949 4,420 11,368,367 26 66,028
60-64 145.7 13.4 142.9 118 306,344 9,265 24,703,557 81 214,368
65-69 111.5 5.7 113.1 385 996,246 23,684 60,670,215 345 880,825
70-74 107.8 6.2 106.0 299 788,114 13,337 35,607,775 277 743,795
75-79 89.1 6.2 90.6 207 623,126 5,898 17,432,597 232 688,019
80-84 89.5 5.9 87.8 234 694,642 3,967 12,007,013 261 790,963
85-89 76.5 9.4 75.0 66 203,115 755 2,406,901 86 270,716
90-94 55.0 22.5 51.7 6 18,796 67 223,186 11 36,386
95-99 84.9 84.9 91.3 1 4,074 4 14,836 1 4,460
100+ 0 0 0 0 0 0
Total 104.4 2.8 102.4 1,383 3,794,899 62,540 167,339,354 1,325 3,705,343
Ultimate Experience By Attained Age
18-59 104.4 46.7 87.9 5 10,879 1,245 3,178,216 5 12,381
60-64 118.5 32.9 105.6 13 29,002 1,832 4,566,768 11 27,464
65-69 143.6 16.5 145.7 76 191,612 5,895 14,588,239 53 131,532
70-74 136.3 7.7 140.8 314 812,485 15,829 39,530,280 230 576,902
75-79 127.3 3.5 127.7 1,326 3,258,357 42,638 104,304,574 1,041 2,552,179
80-84 115.5 1.7 115.7 4,482 10,854,383 88,515 213,566,951 3,879 9,384,554
85-89 105.1 1.0 104.7 10,354 24,274,074 119,529 280,793,326 9,849 23,184,068
90+ 98.4 0.7 98.3 18,390 41,720,714 110,828 252,613,905 18,681 42,430,001
Total 103.6 0.6 103.6 34,960 81,151,506 386,310 913,142,259 33,750 78,299,081
GRAND TOTAL 103.6 0.5 103.6 36,343 84,946,405 448,850 1,080,481,613 35,075 82,004,424

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.3     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 81.4 11.9 80.8 47 330,994 3,470 24,497,653 58 409,543
2 67.9 10.1 68.8 45 322,457 3,460 24,478,162 66 468,395
3 72.0 9.8 72.6 54 386,659 3,520 24,971,283 75 532,532
4 100.6 11.2 99.3 81 568,837 3,472 24,656,612 81 572,922
5 99.7 11.2 97.6 79 550,170 3,194 22,642,020 79 563,843
6 91.2 10.7 89.2 72 501,094 2,873 20,363,779 79 561,858
7 104.6 11.4 106.5 84 610,950 2,702 19,127,364 80 573,673
8 92.4 10.5 94.5 78 570,363 2,612 18,468,019 84 603,422
9 111.0 11.0 112.2 102 731,471 2,687 18,911,513 92 651,704
10 121.9 11.1 120.7 121 844,443 2,767 19,387,679 99 699,743
11+ 0 0 0 0 0 0
Total 96.2 3.5 96.1 763 5,417,438 30,756 217,504,084 794 5,637,635
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 2 16,212 0 18
30-34 0.0 0.0 0.0 0 0 2 16,522 0 21
35-39 0.0 0.0 0.0 0 0 1 6,068 0 7
40-44 0.0 0.0 0.0 0 0 29 169,482 0 203
45-49 479.2 479.2 629.0 1 9,769 93 726,291 0 1,553
50-54 301.1 134.6 309.3 5 36,719 428 3,059,511 2 11,871
55-59 79.2 26.4 87.4 9 70,340 1,985 14,058,389 11 80,523
60-64 145.4 19.6 147.6 55 393,818 4,370 30,812,934 38 266,842
65-69 114.5 9.3 111.9 151 1,035,945 9,242 64,775,755 132 925,815
70-74 102.5 9.1 102.0 128 897,432 6,166 43,448,929 125 879,672
75-79 93.5 7.3 93.8 162 1,176,374 4,460 32,246,449 173 1,253,568
80-84 83.4 6.2 83.0 181 1,270,462 3,152 22,221,452 217 1,530,774
85-89 73.3 9.3 76.5 62 465,721 764 5,498,947 85 608,683
90-94 83.4 27.8 77.9 9 60,858 63 447,143 11 78,083
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 96.2 3.5 96.1 763 5,417,438 30,756 217,504,084 794 5,637,635
Ultimate Experience By Attained Age
18-59 133.1 94.1 110.8 2 11,353 409 2,792,983 2 10,248
60-64 237.8 79.3 223.0 9 57,601 646 4,414,848 4 25,826
65-69 168.4 31.8 174.7 28 200,716 1,826 12,635,456 17 114,883
70-74 135.6 13.4 136.7 102 713,203 5,027 34,834,202 75 521,775
75-79 123.8 6.2 122.8 399 2,737,489 12,920 89,245,613 322 2,229,697
80-84 110.9 3.2 110.9 1,202 8,254,724 24,250 166,319,020 1,083 7,442,225
85-89 104.6 2.1 104.8 2,429 16,592,793 27,870 189,884,382 2,322 15,838,600
90+ 99.4 1.7 99.6 3,557 24,261,113 21,589 146,772,690 3,579 24,353,695
Total 104.4 1.2 104.5 7,728 52,828,992 94,536 646,899,195 7,404 50,536,949
GRAND TOTAL 103.6 1.1 103.7 8,491 58,246,430 125,292 864,403,279 8,197 56,174,584

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.4     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 42.7 8.9 44.6 23 465,692 2,633 48,621,906 54 1,044,359
2 65.8 10.4 62.2 40 727,985 2,562 47,256,157 61 1,169,728
3 74.4 10.6 70.2 49 892,970 2,466 45,364,354 66 1,271,630
4 84.0 11.1 82.2 57 1,072,550 2,384 43,417,998 68 1,304,381
5 86.6 11.3 89.6 59 1,139,974 2,196 39,352,476 68 1,272,273
6 100.9 12.4 104.6 66 1,262,302 1,948 34,299,078 65 1,207,290
7 76.7 11.3 68.6 46 741,232 1,716 29,794,201 60 1,080,018
8 89.1 12.4 88.7 52 923,772 1,580 27,138,866 58 1,041,876
9 110.6 13.5 99.8 67 1,049,118 1,554 26,273,452 61 1,051,445
10 104.0 13.0 99.1 64 1,064,588 1,509 25,285,368 62 1,074,379
11+ 0 0 0 0 0 0
Total 84.1 3.7 81.1 523 9,340,183 20,549 366,803,857 622 11,517,380
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 9609.6 9609.6 9609.6 1 19,798 8 158,384 0 206
35-39 0.0 0.0 0.0 0 0 13 251,273 0 164
40-44 0.0 0.0 0.0 0 0 6 97,032 0 196
45-49 0.0 0.0 0.0 0 0 52 997,978 0 2,034
50-54 352.1 176.1 361.7 4 68,721 249 4,052,406 1 18,999
55-59 160.0 48.2 167.0 11 199,572 1,194 20,752,215 7 119,475
60-64 90.3 20.2 85.9 20 322,297 2,556 42,889,625 22 375,404
65-69 102.7 11.3 102.3 83 1,423,188 5,590 96,796,712 81 1,391,334
70-74 95.6 10.6 85.2 82 1,356,494 4,171 77,702,308 86 1,591,944
75-79 83.3 8.3 78.1 101 1,675,052 3,060 54,616,496 121 2,145,911
80-84 78.3 6.6 75.4 143 2,544,497 2,637 48,117,815 183 3,374,707
85-89 67.1 8.3 71.1 65 1,362,930 867 16,882,370 97 1,915,741
90-94 53.0 14.7 63.2 13 367,634 147 3,489,244 25 581,267
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 84.1 3.7 81.1 523 9,340,183 20,549 366,803,857 622 11,517,380
Ultimate Experience By Attained Age
18-59 119.2 119.2 84.2 1 12,698 202 3,595,281 1 15,087
60-64 272.4 103.0 172.0 7 106,035 413 9,628,021 3 61,650
65-69 173.3 38.7 151.4 20 364,455 1,239 25,451,736 12 240,688
70-74 82.0 13.9 72.1 35 554,754 2,794 49,755,328 43 769,597
75-79 120.5 8.8 113.1 187 3,012,079 6,060 102,931,267 155 2,664,048
80-84 105.2 4.7 103.6 491 8,146,986 10,100 168,073,333 467 7,864,260
85-89 101.7 3.3 100.8 940 15,332,921 10,781 175,692,810 924 15,206,260
90+ 92.6 2.6 91.8 1,277 21,312,780 8,077 134,561,355 1,379 23,211,026
Total 99.2 1.8 97.6 2,958 48,842,708 39,666 669,689,131 2,983 50,032,618
GRAND TOTAL 96.6 1.6 94.5 3,481 58,182,891 60,215 1,036,492,988 3,605 61,549,998

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.5     TOTAL EXPERIENCE--SINGLE LIFE--RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 37.5 37.5 23.3 1 373 245 153,583 3 1,601
2 57.6 40.7 83.6 2 1,752 268 169,635 3 2,096
3 121.8 54.5 142.5 5 3,568 314 194,357 4 2,505
4 217.9 68.9 184.8 10 5,451 325 203,195 5 2,950
5 128.6 52.5 135.7 6 4,106 331 204,852 5 3,025
6 79.5 39.8 99.0 4 3,203 350 213,678 5 3,236
7 151.2 50.4 177.0 9 6,818 378 231,653 6 3,852
8 115.0 40.6 113.2 8 4,959 423 259,128 7 4,382
9 138.7 41.8 167.6 11 8,266 460 284,774 8 4,931
10 156.8 41.9 151.7 14 8,401 500 307,414 9 5,539
11+ 0 0 0 0 0 0
Total 128.9 15.4 137.5 70 46,897 3,593 2,222,268 54 34,118
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 8 4,624 0 7
35-39 0.0 0.0 0.0 0 0 24 15,190 0 22
40-44 0.0 0.0 0.0 0 0 33 13,206 0 23
45-49 0.0 0.0 0.0 0 0 85 42,096 0 96
50-54 239.3 239.3 287.3 1 687 97 54,939 0 239
55-59 260.1 86.7 284.2 9 5,753 631 364,780 3 2,024
60-64 137.7 41.5 150.9 11 7,418 867 525,249 8 4,917
65-69 117.3 25.6 130.8 21 15,335 1,287 854,638 18 11,728
70-74 194.3 61.4 210.2 10 6,677 239 149,675 5 3,177
75-79 155.9 90.0 185.4 3 1,927 57 32,624 2 1,039
80-84 83.5 23.2 73.2 13 7,258 252 158,031 16 9,919
85-89 124.6 88.1 198.7 2 1,842 13 7,216 2 927
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 128.9 15.4 137.5 70 46,897 3,593 2,222,268 54 34,118
Ultimate Experience By Attained Age
18-59 129.0 129.0 116.3 1 596 242 160,241 1 513
60-64 54.3 54.3 18.7 1 202 306 178,335 2 1,082
65-69 155.3 43.1 174.4 13 8,550 932 543,910 8 4,903
70-74 167.9 25.0 172.4 45 27,216 1,871 1,102,643 27 15,791
75-79 142.1 13.5 138.7 110 62,072 3,266 1,910,377 77 44,761
80-84 137.9 8.7 140.2 252 141,150 4,222 2,348,213 183 100,648
85-89 108.2 5.7 108.1 360 189,979 3,941 2,092,625 333 175,730
90+ 92.7 3.6 96.6 667 336,035 3,800 1,895,735 720 347,978
Total 107.3 2.8 110.8 1,449 765,800 18,580 10,232,079 1,350 691,406
GRAND TOTAL 108.1 2.8 112.0 1,519 812,697 22,174 12,454,347 1,405 725,523

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.6     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 82.1 22.8 75.5 13 32,883 1,573 4,341,465 16 43,537
2 82.1 21.2 94.1 15 47,039 1,653 4,505,363 18 49,981
3 145.3 26.1 135.9 31 77,026 1,782 4,740,008 21 56,686
4 158.4 26.0 174.1 37 108,514 1,844 4,894,885 23 62,344
5 119.7 21.8 119.2 30 79,279 1,827 4,819,841 25 66,504
6 108.8 20.6 98.8 28 67,437 1,741 4,559,819 26 68,269
7 176.6 25.8 185.8 47 130,595 1,679 4,359,637 27 70,306
8 142.0 22.5 145.3 40 105,755 1,677 4,281,453 28 72,770
9 115.9 19.6 121.8 35 94,380 1,686 4,264,571 30 77,512
10 138.9 20.3 142.2 47 122,954 1,807 4,556,205 34 86,496
11+ 0 0 0 0 0 0
Total 130.0 7.2 132.3 323 865,862 17,269 45,323,247 248 654,404
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 11 13,875 0 18
35-39 0.0 0.0 0.0 0 0 17 36,819 0 71
40-44 0.0 0.0 0.0 0 0 73 227,259 0 421
45-49 361.9 361.9 310.0 1 2,195 127 333,299 0 708
50-54 158.0 91.2 206.2 3 9,498 490 1,244,089 2 4,607
55-59 306.8 48.5 350.7 40 113,800 2,358 5,924,559 13 32,449
60-64 146.6 19.8 151.4 55 148,139 4,472 11,745,441 38 97,838
65-69 126.4 12.3 132.5 106 290,218 6,759 17,866,840 84 219,097
70-74 81.8 17.1 69.3 23 52,289 1,399 3,753,428 28 75,419
75-79 112.3 22.0 115.6 26 70,803 616 1,662,649 23 61,274
80-84 115.9 14.3 111.8 66 170,011 920 2,425,508 57 152,036
85-89 86.0 49.6 85.1 3 8,909 28 89,479 3 10,466
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 130.0 7.2 132.3 323 865,862 17,269 45,323,247 248 654,404
Ultimate Experience By Attained Age
18-59 233.3 134.7 292.2 3 8,530 416 986,311 1 2,919
60-64 215.4 76.2 143.5 8 12,111 620 1,429,788 4 8,439
65-69 168.3 31.3 177.3 29 70,868 1,953 4,555,313 17 39,966
70-74 145.7 14.6 150.5 100 247,184 4,818 11,571,712 69 164,263
75-79 125.4 7.4 120.6 288 679,379 9,672 23,748,236 230 563,417
80-84 141.7 5.7 139.8 622 1,491,757 10,243 24,908,470 439 1,066,942
85-89 110.9 4.3 110.6 664 1,586,299 7,340 17,618,095 599 1,434,220
90+ 105.3 3.7 106.5 810 1,932,053 4,513 10,692,057 769 1,814,032
Total 118.6 2.4 118.3 2,524 6,028,181 39,575 95,509,982 2,128 5,094,198
GRAND TOTAL 119.8 2.2 119.9 2,847 6,894,043 56,844 140,833,230 2,376 5,748,602

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.7     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 50.6 25.3 48.1 4 27,240 827 5,889,855 8 56,656
2 68.5 28.0 62.1 6 38,898 810 5,757,411 9 62,636
3 109.3 33.0 107.0 11 77,390 837 5,954,853 10 72,295
4 56.5 23.1 53.4 6 40,533 828 5,870,081 11 75,855
5 170.2 39.0 164.4 19 131,049 790 5,599,396 11 79,696
6 103.0 29.7 94.1 12 77,999 745 5,269,457 12 82,873
7 161.8 37.1 167.4 19 138,731 687 4,838,102 12 82,872
8 160.3 36.8 167.0 19 138,977 657 4,621,317 12 83,225
9 47.5 19.4 49.1 6 43,219 647 4,528,011 13 88,026
10 143.7 33.0 135.6 19 125,119 660 4,616,187 13 92,292
11+ 0 0 0 0 0 0
Total 110.4 10.0 108.1 121 839,155 7,486 52,944,670 110 776,427
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 5 27,735 0 14
40-44 0.0 0.0 0.0 0 0 30 212,599 0 298
45-49 0.0 0.0 0.0 0 0 67 433,617 0 1,061
50-54 123.5 123.5 104.9 1 6,039 202 1,442,707 1 5,754
55-59 118.6 44.8 132.8 7 54,725 1,092 7,644,742 6 41,220
60-64 109.2 25.1 94.4 19 119,143 2,089 15,178,929 17 126,218
65-69 158.9 22.7 157.9 49 341,896 2,556 17,821,227 31 216,461
70-74 92.9 24.0 96.8 15 107,400 748 5,158,166 16 110,959
75-79 48.2 21.5 48.4 5 35,457 278 1,977,360 10 73,223
80-84 83.6 18.2 79.7 21 144,381 399 2,897,177 25 181,058
85-89 144.8 72.4 149.4 4 30,114 20 150,410 3 20,161
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 110.4 10.0 108.1 121 839,155 7,486 52,944,670 110 776,427
Ultimate Experience By Attained Age
18-59 293.8 293.8 398.0 1 8,487 109 690,010 0 2,133
60-64 433.6 193.9 392.7 5 31,494 203 1,408,184 1 8,020
65-69 218.6 60.6 231.1 13 97,823 676 4,824,503 6 42,332
70-74 168.8 26.4 169.6 41 290,032 1,694 11,927,587 24 171,052
75-79 148.6 14.1 145.2 111 762,204 3,075 21,600,512 75 524,937
80-84 126.8 9.5 126.3 177 1,225,172 3,183 22,148,203 140 969,972
85-89 130.1 8.6 132.2 228 1,574,421 2,114 14,388,421 175 1,191,048
90+ 96.7 7.1 97.1 186 1,278,690 1,153 7,889,759 192 1,317,178
Total 124.2 4.5 124.6 762 5,268,323 12,208 84,877,178 614 4,226,671
GRAND TOTAL 122.1 4.1 122.1 883 6,107,478 19,693 137,821,848 723 5,003,097

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.8     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 72.1 29.4 67.0 6 109,884 788 14,865,482 8 164,005
2 112.7 35.6 147.2 10 260,194 751 14,112,528 9 176,760
3 101.4 33.8 90.8 9 157,546 699 12,763,339 9 173,454
4 81.9 29.0 59.0 8 111,512 698 12,584,589 10 189,003
5 103.3 32.7 101.7 10 197,856 637 11,635,887 10 194,498
6 127.2 36.7 119.3 12 227,766 559 10,140,038 9 190,920
7 90.1 31.9 106.9 8 196,016 508 9,169,238 9 183,448
8 124.2 37.4 84.5 11 154,746 473 8,419,673 9 183,089
9 92.9 31.0 93.0 9 190,111 474 8,493,066 10 204,429
10 181.3 41.6 189.9 19 418,953 484 8,687,631 10 220,585
11+ 0 0 0 0 0 0
Total 109.9 10.9 107.7 102 2,024,584 6,072 110,871,471 93 1,880,191
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 3 35,622 0 78
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 40 751,032 0 1,909
50-54 253.1 179.0 187.5 2 25,753 233 3,912,681 1 13,738
55-59 144.4 54.6 159.5 7 129,555 849 14,273,447 5 81,245
60-64 118.2 27.9 109.5 18 299,158 1,878 33,637,730 15 273,089
65-69 124.5 24.0 142.0 27 564,283 1,743 31,100,030 22 397,492
70-74 79.9 24.1 98.5 11 252,853 652 12,174,665 14 256,818
75-79 111.5 27.9 119.6 16 352,124 369 7,556,674 14 294,540
80-84 97.0 22.2 71.5 19 373,183 283 7,037,840 20 522,205
85-89 43.8 43.8 34.8 1 12,675 22 376,751 2 36,431
90-94 566.5 566.5 566.5 1 15,000 1 15,000 0 2,648
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 109.9 10.9 107.7 102 2,024,584 6,072 110,871,471 93 1,880,191
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 19 264,511 0 964
60-64 110.1 110.1 65.7 1 10,027 152 2,537,831 1 15,264
65-69 170.3 53.8 221.4 10 227,130 637 11,001,835 6 102,585
70-74 144.9 26.0 141.0 31 558,030 1,428 25,921,343 21 395,698
75-79 120.8 13.7 121.2 78 1,507,396 2,524 48,149,993 65 1,243,802
80-84 129.3 10.3 122.2 157 3,114,247 2,620 54,571,959 121 2,548,167
85-89 104.9 8.5 94.3 151 3,098,396 1,671 37,627,933 144 3,284,596
90+ 108.9 9.0 102.6 146 3,172,589 806 18,534,791 134 3,093,186
Total 116.6 4.9 109.4 574 11,687,815 9,857 198,610,195 492 10,684,262
GRAND TOTAL 115.5 4.4 109.1 676 13,712,399 15,929 309,481,667 585 12,564,452

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.9     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 64.6 18.6 57.1 12 6,865 1,264 798,704 19 12,024
2 122.5 23.6 113.2 27 16,678 1,420 900,016 22 14,738
3 177.3 27.0 167.8 43 27,831 1,484 947,221 24 16,586
4 109.5 20.0 116.1 30 21,701 1,531 981,832 27 18,688
5 126.9 20.1 127.2 40 27,502 1,581 1,018,010 32 21,613
6 115.4 18.7 110.4 38 24,666 1,621 1,040,058 33 22,339
7 86.1 15.2 82.3 32 20,811 1,696 1,091,610 37 25,280
8 104.2 15.2 99.9 47 30,616 1,885 1,207,568 45 30,661
9 122.6 14.4 118.6 72 46,529 2,302 1,437,842 59 39,226
10 135.9 13.7 134.3 99 64,524 2,767 1,711,044 73 48,030
11+ 0 0 0 0 0 0
Total 118.7 5.7 115.5 440 287,723 17,553 11,133,904 371 249,186
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 15 10,533 0 8
15-19 0.0 0.0 0.0 0 0 63 29,710 0 18
20-24 0.0 0.0 0.0 0 0 82 46,761 0 39
25-29 0.0 0.0 0.0 0 0 95 41,309 0 19
30-34 0.0 0.0 0.0 0 0 97 57,094 0 47
35-39 0.0 0.0 0.0 0 0 103 53,853 0 60
40-44 0.0 0.0 0.0 0 0 143 82,610 0 136
45-49 114.3 114.3 88.2 1 421 308 160,574 1 478
50-54 96.3 55.6 62.8 3 1,103 684 385,134 3 1,757
55-59 145.0 41.9 128.9 12 6,094 1,394 786,964 8 4,729
60-64 136.1 23.7 129.8 33 19,653 2,605 1,637,145 24 15,138
65-69 125.4 10.6 123.0 139 87,469 7,519 4,818,191 111 71,125
70-74 136.5 16.2 134.4 71 45,944 2,193 1,436,491 52 34,183
75-79 108.9 14.4 103.1 57 38,403 1,096 774,047 52 37,235
80-84 92.6 14.3 89.9 42 30,220 578 416,191 45 33,603
85-89 110.3 13.0 112.7 72 51,187 532 366,508 65 45,433
90-94 128.9 43.0 130.0 9 6,345 43 29,875 7 4,881
95-99 306.9 306.9 306.9 1 884 1 884 0 288
100+ 0.0 0.0 0.0 0 0 1 30 0 9
Total 118.7 5.7 115.5 440 287,723 17,553 11,133,904 371 249,186
Ultimate Experience By Attained Age
18-59 142.4 33.6 168.2 18 10,595 3,905 1,848,646 13 6,301
60-64 126.8 23.2 130.1 30 17,119 3,605 2,000,376 24 13,159
65-69 119.1 14.3 125.7 69 41,433 6,090 3,449,029 58 32,949
70-74 120.2 8.6 116.8 196 110,643 10,505 6,078,514 163 94,768
75-79 121.9 4.6 120.5 712 422,311 22,180 13,232,480 584 350,333
80-84 122.0 2.9 121.5 1,714 1,034,366 30,122 18,180,892 1,405 851,226
85-89 115.7 2.1 116.0 3,002 1,779,794 30,195 17,860,975 2,594 1,534,208
90+ 87.1 1.2 89.2 5,345 2,923,953 30,258 16,637,174 6,138 3,276,995
Total 101.0 1.0 102.9 11,086 6,340,214 136,860 79,288,086 10,979 6,159,939
GRAND TOTAL 101.6 0.9 103.4 11,526 6,627,937 154,413 90,421,989 11,349 6,409,126

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.10     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 70.1 9.1 67.8 60 158,357 4,803 12,945,477 86 233,735
2 92.4 9.5 88.9 95 248,435 5,180 13,826,481 103 279,449
3 107.2 9.3 105.6 134 360,311 5,689 15,191,802 125 341,181
4 95.8 8.2 94.9 136 363,892 5,909 15,657,420 142 383,596
5 102.7 8.0 104.7 163 443,411 5,983 15,641,735 159 423,625
6 90.7 7.2 87.7 157 397,756 5,937 15,315,454 173 453,516
7 104.5 7.4 103.8 200 517,663 5,906 15,120,506 191 498,505
8 97.2 6.7 97.1 208 540,715 6,036 15,325,878 214 556,597
9 119.5 7.0 115.6 293 732,440 6,435 16,124,295 245 633,465
10 107.2 6.2 111.1 302 806,123 7,051 17,638,567 282 725,543
11+ 0 0 0 0 0 0
Total 101.6 2.4 100.9 1,748 4,569,103 58,928 152,787,616 1,720 4,529,211
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 3616.0 3616.0 3076.8 1 1,877 49 144,189 0 61
20-24 0.0 0.0 0.0 0 0 103 282,576 0 181
25-29 0.0 0.0 0.0 0 0 136 279,342 0 211
30-34 0.0 0.0 0.0 0 0 103 244,780 0 262
35-39 826.4 584.4 739.5 2 4,947 205 587,313 0 669
40-44 459.8 265.5 323.1 3 6,307 385 1,163,588 1 1,952
45-49 859.5 238.4 893.8 13 35,356 619 1,585,495 2 3,956
50-54 305.9 74.2 327.3 17 47,304 1,472 3,859,095 6 14,452
55-59 125.6 24.6 132.6 26 69,907 3,575 9,240,941 21 52,718
60-64 122.8 14.6 128.4 71 185,490 6,592 16,599,293 58 144,441
65-69 125.1 6.7 123.3 348 807,221 19,780 46,746,178 278 654,417
70-74 102.7 6.6 96.5 245 639,889 10,202 28,428,386 238 662,888
75-79 96.9 5.4 95.9 322 895,033 7,689 21,912,384 332 933,698
80-84 91.7 4.8 94.3 368 1,038,728 5,254 14,706,477 401 1,101,578
85-89 91.3 5.5 92.5 273 677,037 2,370 5,930,417 299 732,323
90-94 66.4 9.4 66.7 50 137,512 363 1,006,208 75 206,198
95-99 121.8 40.6 123.6 9 22,495 27 67,776 7 18,204
100+ 0.0 0.0 0.0 0 0 3 3,177 1 1,002
Total 101.6 2.4 100.9 1,748 4,569,103 58,928 152,787,616 1,720 4,529,211
Ultimate Experience By Attained Age
18-59 179.0 30.7 185.7 34 87,779 6,161 15,873,751 19 47,270
60-64 192.4 27.5 225.9 49 135,684 4,234 10,095,678 25 60,068
65-69 146.6 15.1 168.1 94 257,658 7,149 17,259,831 64 153,291
70-74 131.1 7.9 136.8 278 677,140 14,357 33,875,550 212 495,162
75-79 129.6 3.8 131.5 1,135 2,606,390 34,755 79,535,847 876 1,981,834
80-84 127.5 2.3 129.4 3,088 7,229,798 54,058 125,914,370 2,422 5,586,320
85-89 116.5 1.6 117.1 5,571 12,989,955 57,894 135,085,934 4,784 11,089,881
90+ 91.4 1.0 91.2 8,443 19,433,269 50,424 116,981,764 9,234 21,299,009
Total 106.0 0.8 106.6 18,692 43,417,673 229,032 534,622,723 17,636 40,712,835
GRAND TOTAL 105.6 0.7 106.1 20,440 47,986,776 287,960 687,410,339 19,356 45,242,046

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.11     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 79.6 10.9 79.7 53 383,865 3,097 22,250,268 67 481,647
2 71.8 9.7 71.6 55 396,516 3,192 22,904,096 77 553,543
3 87.9 9.9 87.8 79 570,212 3,374 24,216,911 90 649,771
4 88.7 9.5 88.1 88 630,390 3,387 24,336,416 99 715,177
5 99.2 9.8 100.5 103 748,090 3,259 23,424,155 104 744,675
6 101.4 9.8 103.6 108 788,582 2,999 21,513,751 106 761,077
7 101.2 9.7 100.0 109 764,043 2,816 20,096,640 108 764,152
8 95.4 9.3 97.1 105 756,618 2,670 19,008,450 110 779,234
9 107.9 9.4 109.6 133 953,640 2,711 19,277,273 123 869,924
10 101.2 8.6 100.7 138 963,723 2,808 19,879,703 136 956,664
11+ 0 0 0 0 0 0
Total 95.2 3.1 95.6 971 6,955,679 30,313 216,907,665 1,020 7,275,866
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 11 76,762 0 41
15-19 0.0 0.0 0.0 0 0 18 153,310 0 156
20-24 0.0 0.0 0.0 0 0 42 286,989 0 202
25-29 1974.8 1974.8 1560.7 1 5,171 71 454,070 0 331
30-34 1156.0 1156.0 1445.8 1 9,201 88 631,203 0 636
35-39 690.4 690.4 660.1 1 6,900 129 915,237 0 1,045
40-44 539.6 311.6 645.4 3 25,502 302 2,128,272 1 3,951
45-49 178.5 126.2 214.8 2 16,385 454 3,088,521 1 7,626
50-54 154.1 68.9 180.8 5 40,203 912 6,229,250 3 22,242
55-59 184.1 43.4 188.2 18 129,544 1,801 12,626,430 10 68,816
60-64 155.0 23.6 157.1 43 307,860 3,330 23,388,269 28 195,947
65-69 105.8 11.2 105.1 89 627,110 6,248 44,314,671 84 596,890
70-74 114.3 9.9 110.1 133 947,703 5,248 38,952,123 116 860,760
75-79 100.0 6.7 100.3 226 1,639,539 5,642 41,396,297 226 1,634,658
80-84 82.5 5.3 84.4 239 1,692,030 4,013 27,919,812 290 2,005,755
85-89 82.4 6.3 81.9 169 1,198,465 1,717 12,229,661 205 1,464,165
90-94 79.6 12.6 80.8 40 301,441 266 1,979,801 50 372,890
95-99 16.4 16.4 21.7 1 8,625 21 136,987 6 39,752
100+ 0 0 0 0 0 0
Total 95.2 3.1 95.6 971 6,955,679 30,313 216,907,665 1,020 7,275,866
Ultimate Experience By Attained Age
18-59 173.6 44.8 166.4 15 102,021 3,131 21,994,827 9 61,298
60-64 238.4 46.7 243.7 26 187,512 1,875 13,199,071 11 76,941
65-69 132.4 23.0 135.8 33 238,619 2,843 20,017,062 25 175,765
70-74 122.7 13.2 124.1 87 622,136 4,900 34,635,558 71 501,185
75-79 131.8 7.6 131.8 299 2,094,957 9,249 64,952,477 227 1,589,920
80-84 121.8 4.3 121.2 797 5,445,874 14,860 102,119,480 655 4,493,571
85-89 107.4 2.9 107.2 1,410 9,617,395 16,065 109,699,823 1,313 8,975,588
90+ 94.5 2.0 94.9 2,307 16,010,860 13,977 96,498,045 2,441 16,869,530
Total 104.7 1.5 104.8 4,974 34,319,374 66,900 463,116,343 4,751 32,743,799
GRAND TOTAL 103.0 1.3 103.1 5,945 41,275,053 97,214 680,024,007 5,771 40,019,664

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.12     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 51.7 6.5 34.6 64 1,517,138 4,355 152,420,748 124 4,380,602
2 58.3 6.5 47.2 81 2,352,010 4,336 151,777,647 139 4,978,004
3 79.5 7.1 70.0 127 3,965,763 4,561 160,354,971 160 5,667,331
4 85.7 7.0 68.8 148 4,201,312 4,554 161,390,188 173 6,103,951
5 84.2 7.0 67.2 146 4,114,531 4,342 155,190,207 173 6,122,100
6 96.0 7.5 111.4 166 6,685,858 3,959 135,577,771 173 6,000,878
7 67.2 6.3 51.1 113 3,013,702 3,580 124,167,510 168 5,903,315
8 79.1 6.8 58.9 135 3,612,617 3,339 115,814,684 171 6,136,599
9 78.0 6.7 60.9 136 3,770,178 3,132 105,820,057 174 6,191,325
10 76.3 6.5 56.8 136 3,470,855 3,009 97,437,491 178 6,108,719
11+ 0 0 0 0 0 0
Total 76.7 2.2 63.7 1,252 36,703,964 39,168 1,359,951,273 1,633 57,592,823
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 7874.9 7874.9 13246.0 1 44,864 17 469,772 0 339
15-19 0.0 0.0 0.0 0 0 26 1,125,462 0 271
20-24 0.0 0.0 0.0 0 0 65 2,439,819 0 2,226
25-29 0.0 0.0 0.0 0 0 72 2,013,981 0 1,194
30-34 0.0 0.0 0.0 0 0 85 4,002,975 0 2,386
35-39 503.8 503.8 207.5 1 12,532 154 4,559,366 0 6,041
40-44 428.6 247.5 602.9 3 93,690 378 8,560,653 1 15,539
45-49 288.5 144.3 221.0 4 72,133 571 14,811,146 1 32,633
50-54 334.2 92.7 259.6 13 240,638 1,074 26,307,789 4 92,683
55-59 212.6 40.9 179.1 27 574,339 2,231 54,635,694 13 320,737
60-64 90.5 17.8 81.9 26 738,308 3,511 108,507,472 29 901,986
65-69 67.0 9.8 56.9 47 1,195,221 5,246 152,348,031 70 2,100,713
70-74 56.4 6.2 38.8 83 2,272,623 6,472 249,954,808 147 5,858,470
75-79 77.5 4.8 64.8 266 10,025,481 8,388 379,703,313 343 15,472,114
80-84 70.3 3.8 48.6 351 8,446,619 7,051 246,050,259 499 17,386,141
85-89 82.5 4.8 81.6 296 7,451,541 2,978 74,677,613 359 9,128,934
90-94 77.5 7.1 83.7 119 4,416,842 797 25,971,085 153 5,278,684
95-99 105.8 28.3 111.2 14 1,093,841 50 3,689,538 13 983,697
100+ 317.4 317.4 317.4 1 25,292 1 25,292 0 7,969
Total 76.7 2.2 63.7 1,252 36,703,964 39,168 1,359,951,273 1,633 57,592,823
Ultimate Experience By Attained Age
18-59 272.4 60.9 330.0 20 557,616 2,763 66,900,312 7 168,982
60-64 221.2 49.5 149.6 20 323,077 1,534 34,855,887 9 216,001
65-69 192.4 30.8 207.0 39 1,012,545 2,265 53,184,677 20 489,238
70-74 124.2 14.9 104.7 69 1,310,923 3,751 82,999,216 56 1,251,763
75-79 100.6 7.8 102.7 168 3,793,935 6,651 144,943,353 167 3,693,141
80-84 103.8 4.8 100.7 476 9,914,334 10,153 216,940,759 459 9,846,529
85-89 95.1 3.2 90.6 858 17,852,873 10,780 232,801,098 902 19,710,996
90+ 90.1 2.2 83.9 1,639 36,573,215 10,069 240,249,432 1,819 43,571,272
Total 95.6 1.7 90.4 3,289 71,338,518 47,966 1,072,874,734 3,439 78,947,923
GRAND TOTAL 89.5 1.3 79.1 4,541 108,042,482 87,134 2,432,826,007 5,072 136,540,746

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.13     MALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 52.9 26.5 34.3 4 1,498 604 327,804 8 4,367
2 71.7 29.3 82.9 6 4,248 610 348,050 8 5,124
3 131.5 36.5 141.5 13 8,629 639 364,620 10 6,099
4 110.6 33.4 115.8 11 7,111 625 360,064 10 6,142
5 137.2 36.7 151.1 14 9,269 607 350,982 10 6,134
6 143.1 35.8 143.9 16 9,982 609 364,625 11 6,935
7 200.6 39.3 163.5 26 13,024 626 376,693 13 7,964
8 140.7 30.0 143.7 22 13,522 680 404,511 16 9,412
9 116.1 21.9 117.2 28 16,978 912 543,929 24 14,486
10 119.7 19.4 116.0 38 22,446 1,077 657,583 32 19,348
11+ 0 0 0 0 0 0
Total 125.7 9.4 124.1 178 106,707 6,989 4,098,861 142 86,011
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 7 2,063 0 2
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 16 7,733 0 11
35-39 0.0 0.0 0.0 0 0 50 13,066 0 19
40-44 0.0 0.0 0.0 0 0 35 5,066 0 12
45-49 0.0 0.0 0.0 0 0 131 50,428 0 158
50-54 0.0 0.0 0.0 0 0 113 55,898 1 288
55-59 256.7 85.6 261.7 9 5,315 462 261,106 4 2,031
60-64 193.8 44.4 208.4 19 11,835 903 513,096 10 5,678
65-69 126.4 14.4 125.0 77 46,492 3,211 1,953,159 61 37,186
70-74 129.9 16.6 127.0 61 35,224 1,791 1,059,656 47 27,733
75-79 32.5 23.0 29.6 2 1,168 127 82,985 6 3,947
80-84 104.3 34.8 104.2 9 6,030 117 76,181 9 5,787
85-89 0.0 0.0 0.0 0 0 19 13,366 3 2,226
90-94 79.5 79.5 68.9 1 643 7 5,059 1 933
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 125.7 9.4 124.1 178 106,707 6,989 4,098,861 142 86,011
Ultimate Experience By Attained Age
18-59 181.3 128.2 314.5 2 1,980 241 139,478 1 630
60-64 162.2 81.1 133.9 4 2,122 330 211,293 2 1,585
65-69 218.6 47.7 240.4 21 14,871 890 575,168 10 6,185
70-74 165.4 19.9 161.0 69 40,713 2,388 1,447,633 42 25,281
75-79 151.5 9.4 149.0 262 162,505 5,790 3,644,975 173 109,061
80-84 124.7 4.5 122.1 754 468,493 10,987 6,970,679 605 383,799
85-89 105.2 2.7 105.0 1,539 971,572 14,296 9,048,172 1,463 925,322
90+ 99.1 1.7 99.4 3,376 1,994,496 16,532 9,850,421 3,406 2,006,598
Total 105.7 1.4 105.7 6,027 3,656,752 51,456 31,887,818 5,701 3,458,461
GRAND TOTAL 106.2 1.3 106.2 6,205 3,763,459 58,445 35,986,680 5,843 3,544,472

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.14     MALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 92.8 15.7 90.5 35 96,499 2,489 6,756,934 38 106,641
2 109.5 15.8 115.5 48 142,046 2,557 6,896,956 44 122,982
3 99.9 14.3 102.5 49 141,223 2,625 7,079,062 49 137,776
4 175.1 18.8 186.6 87 255,921 2,577 6,905,582 50 137,115
5 99.8 14.0 100.0 51 139,382 2,493 6,598,906 51 139,364
6 110.2 14.5 113.5 58 161,388 2,375 6,260,265 53 142,159
7 112.6 14.2 114.6 63 172,813 2,348 6,121,807 56 150,737
8 112.1 13.7 108.1 67 171,403 2,361 6,086,622 60 158,550
9 129.7 13.2 124.5 96 241,827 2,665 6,828,972 74 194,286
10 127.0 12.2 129.5 109 286,118 2,932 7,398,870 86 220,889
11+ 0 0 0 0 0 0
Total 118.5 4.6 119.7 663 1,808,620 25,422 66,933,975 560 1,510,500
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 8 10,045 0 10
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 8 11,704 0 15
30-34 0.0 0.0 0.0 0 0 15 39,105 0 53
35-39 0.0 0.0 0.0 0 0 15 35,357 0 64
40-44 0.0 0.0 0.0 0 0 30 69,840 0 175
45-49 264.3 264.3 168.3 1 1,568 107 256,295 0 932
50-54 409.3 167.1 459.1 6 18,524 267 711,362 1 4,035
55-59 236.3 41.8 224.8 32 79,816 1,794 4,686,477 14 35,507
60-64 155.7 18.5 154.6 71 182,860 4,319 11,183,318 46 118,286
65-69 121.8 8.1 124.9 228 594,515 10,988 28,130,228 187 476,033
70-74 114.6 9.4 115.7 149 402,292 5,154 13,731,849 130 347,670
75-79 101.1 11.8 99.0 74 221,956 1,513 4,652,725 73 224,092
80-84 91.5 10.6 94.9 75 219,904 1,021 2,886,268 82 231,625
85-89 106.7 20.9 126.4 26 85,216 177 508,645 24 67,428
90-94 57.5 57.5 43.0 1 1,969 8 20,758 2 4,576
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 118.5 4.6 119.7 663 1,808,620 25,422 66,933,975 560 1,510,500
Ultimate Experience By Attained Age
18-59 55.8 39.5 60.8 2 5,810 772 2,059,367 4 9,560
60-64 75.4 33.7 69.1 5 11,595 891 2,255,804 7 16,781
65-69 172.7 24.9 161.9 48 114,660 2,578 6,575,995 28 70,804
70-74 147.5 11.1 150.0 176 455,306 6,844 17,405,920 119 303,474
75-79 132.5 4.9 130.9 727 1,782,075 18,333 45,509,684 549 1,361,908
80-84 118.8 2.5 116.4 2,226 5,391,206 34,063 84,287,577 1,874 4,632,593
85-89 103.2 1.5 103.5 4,476 10,810,163 42,641 102,931,515 4,336 10,446,686
90+ 99.8 1.2 99.3 7,338 16,875,393 37,339 86,754,556 7,350 16,990,844
Total 105.1 0.9 104.8 14,998 35,446,208 143,460 347,780,418 14,267 33,832,650
GRAND TOTAL 105.6 0.8 105.4 15,661 37,254,828 168,883 414,714,393 14,827 35,343,150

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.15     MALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 80.8 17.6 81.2 21 149,434 1,439 10,218,913 26 184,144
2 74.3 16.2 74.5 21 148,429 1,405 9,998,618 28 199,339
3 72.9 15.2 73.5 23 163,789 1,409 10,071,056 32 222,988
4 130.2 19.8 127.5 43 298,253 1,375 9,827,082 33 233,845
5 127.1 20.1 127.1 40 284,498 1,257 8,960,552 31 223,857
6 124.5 19.9 119.8 39 266,418 1,143 8,118,835 31 222,475
7 124.3 19.4 128.7 41 303,847 1,091 7,751,165 33 236,002
8 75.6 14.8 72.6 26 179,044 1,035 7,348,273 34 246,465
9 116.3 17.5 118.3 44 321,173 1,083 7,679,453 38 271,403
10 137.4 18.2 136.9 57 404,549 1,124 7,929,232 41 295,532
11+ 0 0 0 0 0 0
Total 108.1 5.7 107.9 355 2,519,434 12,362 87,903,181 328 2,336,050
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 2 16,212 0 18
30-34 0.0 0.0 0.0 0 0 2 16,522 0 21
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 4 28,657 0 43
45-49 984.7 984.7 1442.2 1 9,769 33 229,129 0 677
50-54 0.0 0.0 0.0 0 0 141 985,554 1 5,492
55-59 109.4 41.4 122.8 7 55,516 862 6,068,228 6 45,211
60-64 159.3 27.3 162.1 34 246,293 2,072 14,775,439 21 151,959
65-69 119.6 12.5 117.6 92 640,080 4,651 32,990,156 77 544,506
70-74 124.8 14.8 121.5 71 489,972 2,325 16,500,944 57 403,284
75-79 103.4 12.9 105.7 64 477,233 1,221 8,931,665 62 451,545
80-84 91.4 11.6 89.3 62 429,925 790 5,565,748 68 481,377
85-89 62.4 14.3 65.0 19 137,648 227 1,583,469 30 211,861
90-94 86.7 38.8 82.4 5 32,998 31 211,458 6 40,054
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 108.1 5.7 107.9 355 2,519,434 12,362 87,903,181 328 2,336,050
Ultimate Experience By Attained Age
18-59 99.9 99.9 77.2 1 5,316 215 1,495,477 1 6,887
60-64 95.0 67.1 90.7 2 12,916 280 1,893,924 2 14,245
65-69 164.7 41.2 168.7 16 111,996 903 6,165,452 10 66,406
70-74 147.2 18.3 149.5 65 460,104 2,524 17,590,167 44 307,840
75-79 123.6 8.1 122.7 234 1,617,870 6,332 44,122,628 189 1,318,781
80-84 111.2 4.3 110.6 670 4,618,684 11,056 76,632,324 602 4,174,650
85-89 100.7 2.9 100.5 1,187 8,157,054 11,753 80,979,572 1,179 8,113,954
90+ 101.2 2.6 101.7 1,547 10,633,487 7,970 54,529,679 1,529 10,455,059
Total 104.6 1.7 104.7 3,722 25,617,427 41,033 283,409,223 3,557 24,457,821
GRAND TOTAL 104.9 1.6 105.0 4,077 28,136,861 53,395 371,312,404 3,885 26,793,871

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.16     MALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.8 15.0 64.2 17 361,828 1,307 25,036,704 27 563,906
2 68.6 15.0 58.1 21 366,092 1,257 24,297,650 31 630,536
3 83.9 15.9 84.3 28 584,855 1,212 23,312,871 33 693,557
4 94.4 16.7 89.4 32 628,556 1,168 22,330,137 34 702,783
5 94.5 16.7 91.1 32 626,674 1,077 20,489,915 34 688,141
6 107.3 18.4 105.3 34 671,734 935 17,357,347 32 637,973
7 76.1 16.2 68.3 22 393,751 831 15,453,861 29 576,467
8 87.5 17.5 77.6 25 436,487 770 14,121,861 29 562,822
9 129.4 21.0 111.6 38 618,696 747 13,442,604 29 554,578
10 118.7 20.4 115.7 34 614,696 703 12,368,764 29 531,170
11+ 0 0 0 0 0 0
Total 92.4 5.5 86.3 283 5,303,369 10,008 188,211,715 306 6,141,933
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 9609.6 9609.6 9609.6 1 19,798 8 158,384 0 206
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 6 97,032 0 196
45-49 0.0 0.0 0.0 0 0 10 260,749 0 873
50-54 115.4 115.4 160.4 1 24,233 158 2,733,819 1 15,106
55-59 143.8 58.7 185.6 6 138,860 588 10,723,394 4 74,799
60-64 112.9 28.2 103.1 16 255,655 1,406 24,327,265 14 248,056
65-69 100.4 13.5 97.8 55 944,491 3,319 59,217,068 55 965,946
70-74 113.6 15.0 93.2 57 905,023 2,107 41,423,999 50 970,845
75-79 73.2 11.6 64.1 40 660,268 1,133 21,978,547 55 1,030,049
80-84 87.3 10.4 83.8 70 1,362,698 950 19,077,585 80 1,625,877
85-89 85.0 14.8 88.8 33 833,469 278 6,770,108 39 938,771
90-94 46.7 23.3 58.6 4 158,874 45 1,443,765 9 271,211
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 92.4 5.5 86.3 283 5,303,369 10,008 188,211,715 306 6,141,933
Ultimate Experience By Attained Age
18-59 151.5 151.5 106.2 1 12,698 137 2,441,251 1 11,952
60-64 174.3 100.7 123.0 3 54,360 228 5,822,386 2 44,209
65-69 134.1 42.4 120.9 10 203,143 691 15,686,521 7 167,974
70-74 74.0 16.1 67.8 21 370,689 1,633 31,641,711 28 547,116
75-79 112.9 10.4 109.2 118 2,044,840 3,518 63,205,883 104 1,872,801
80-84 101.7 5.7 101.7 313 5,512,594 5,698 100,345,738 308 5,422,570
85-89 101.5 4.3 101.2 558 9,609,892 5,503 95,293,797 550 9,500,265
90+ 94.6 3.6 91.9 683 11,917,472 3,755 67,147,578 722 12,964,598
Total 99.1 2.4 97.4 1,707 29,725,688 21,162 381,584,865 1,722 30,531,486
GRAND TOTAL 98.1 2.2 95.5 1,990 35,029,057 31,171 569,796,579 2,029 36,673,419

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.17     MALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 71.7 71.7 44.4 1 373 96 63,584 1 840
2 59.3 59.3 77.3 1 817 103 67,619 2 1,057
3 198.0 99.0 250.7 4 3,147 125 79,531 2 1,255
4 121.7 70.3 98.0 3 1,560 134 87,044 2 1,592
5 115.6 66.7 94.1 3 1,593 142 90,687 3 1,693
6 113.9 65.8 140.2 3 2,422 145 92,115 3 1,727
7 172.8 77.3 197.9 5 3,689 157 98,752 3 1,864
8 119.8 59.9 137.4 4 2,919 177 112,495 3 2,124
9 126.7 56.6 137.4 5 3,373 193 121,547 4 2,455
10 196.9 65.6 184.2 9 5,170 209 129,327 5 2,806
11+ 0 0 0 0 0 0
Total 137.9 22.4 143.9 38 25,063 1,482 942,700 28 17,413
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 8 4,624 0 7
35-39 0.0 0.0 0.0 0 0 16 11,032 0 18
40-44 0.0 0.0 0.0 0 0 10 4,725 0 11
45-49 0.0 0.0 0.0 0 0 29 16,513 0 54
50-54 394.4 394.4 513.4 1 687 45 22,851 0 134
55-59 466.3 164.9 458.4 8 4,808 235 143,016 2 1,049
60-64 122.6 54.8 131.1 5 3,423 368 233,723 4 2,612
65-69 114.0 34.4 118.3 11 7,479 558 373,917 10 6,321
70-74 252.9 103.2 247.5 6 3,706 92 58,939 2 1,497
75-79 576.8 576.8 592.6 1 952 6 5,538 0 161
80-84 61.2 27.4 63.5 5 3,144 107 63,627 8 4,951
85-89 102.7 102.7 144.6 1 864 7 4,197 1 598
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 137.9 22.4 143.9 38 25,063 1,482 942,700 28 17,413
Ultimate Experience By Attained Age
18-59 158.2 158.2 143.0 1 596 178 116,319 1 417
60-64 95.9 95.9 32.1 1 202 137 82,461 1 630
65-69 127.5 52.0 131.7 6 3,710 440 263,686 5 2,816
70-74 188.1 36.2 184.5 27 15,560 840 494,598 14 8,435
75-79 160.1 19.7 161.8 66 36,952 1,419 790,239 41 22,835
80-84 139.6 12.0 139.3 135 71,380 1,795 951,329 97 51,228
85-89 112.7 7.8 107.4 207 103,306 1,818 951,682 184 96,150
90+ 94.3 5.2 97.2 333 167,752 1,697 845,674 353 172,545
Total 111.6 4.0 112.5 776 399,458 8,322 4,495,988 696 355,056
GRAND TOTAL 112.6 3.9 114.0 814 424,521 9,804 5,438,688 723 372,469

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.18     MALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 72.8 29.7 61.6 6 14,015 642 1,777,990 8 22,756
2 74.9 28.3 84.1 7 21,818 664 1,829,374 9 25,942
3 155.2 37.6 154.8 17 45,479 719 1,930,935 11 29,372
4 147.0 35.6 176.9 17 55,287 719 1,922,270 12 31,250
5 121.9 31.5 123.9 15 40,894 716 1,897,928 12 33,006
6 94.4 27.3 84.5 12 28,717 688 1,792,048 13 33,983
7 212.7 40.2 234.8 28 82,800 665 1,722,165 13 35,261
8 157.3 34.3 169.6 21 58,347 652 1,658,730 13 34,412
9 155.9 33.2 165.9 22 59,781 652 1,641,535 14 36,026
10 155.1 31.7 162.8 24 64,023 701 1,759,053 15 39,326
11+ 0 0 0 0 0 0
Total 139.4 10.7 146.6 169 471,161 6,817 17,932,029 121 321,336
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 10 12,052 0 16
35-39 0.0 0.0 0.0 0 0 11 29,475 0 64
40-44 0.0 0.0 0.0 0 0 40 129,295 0 316
45-49 0.0 0.0 0.0 0 0 25 56,539 0 239
50-54 172.4 121.9 212.6 2 5,687 218 515,460 1 2,675
55-59 374.7 76.5 451.9 24 71,612 882 2,214,631 6 15,847
60-64 155.5 30.5 173.4 26 75,141 1,586 4,124,919 17 43,343
65-69 128.2 17.4 139.2 54 153,491 2,818 7,479,022 42 110,276
70-74 92.9 25.8 71.1 13 27,541 585 1,626,852 14 38,726
75-79 96.4 29.1 94.6 11 28,030 248 665,033 11 29,621
80-84 133.2 21.6 136.4 38 106,584 389 1,062,813 29 78,149
85-89 152.2 152.2 148.9 1 3,075 5 15,937 1 2,065
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 139.4 10.7 146.6 169 471,161 6,817 17,932,029 121 321,336
Ultimate Experience By Attained Age
18-59 263.4 186.2 304.2 2 4,819 181 387,679 1 1,584
60-64 222.9 99.7 161.3 5 7,850 298 644,590 2 4,868
65-69 169.5 43.8 199.2 15 39,698 832 1,877,396 9 19,930
70-74 161.1 21.7 170.8 55 137,116 1,975 4,643,617 34 80,274
75-79 134.1 10.4 127.7 167 388,623 4,273 10,443,946 125 304,337
80-84 147.4 7.8 146.1 355 856,675 4,575 11,138,304 241 586,170
85-89 105.1 5.8 104.6 330 775,646 3,186 7,522,616 314 741,781
90+ 110.5 5.4 112.9 424 1,020,550 1,966 4,651,000 384 903,580
Total 122.0 3.3 122.3 1,353 3,230,977 17,286 41,309,148 1,109 2,642,523
GRAND TOTAL 123.7 3.2 124.9 1,522 3,702,138 24,103 59,241,176 1,230 2,963,859

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.19     MALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 45.8 32.4 34.9 2 10,962 355 2,569,292 4 31,390
2 20.9 20.9 17.5 1 6,011 344 2,479,959 5 34,336
3 111.8 45.6 103.8 6 40,273 345 2,496,370 5 38,793
4 54.2 31.3 54.1 3 21,530 338 2,433,359 6 39,802
5 154.0 51.3 149.0 9 62,142 330 2,364,441 6 41,702
6 149.6 49.9 136.0 9 58,352 320 2,272,940 6 42,919
7 158.9 53.0 168.6 9 67,865 296 2,094,161 6 40,249
8 139.1 49.2 157.4 8 63,682 279 1,960,876 6 40,458
9 32.2 22.7 32.6 2 14,110 276 1,912,744 6 43,224
10 213.4 57.0 207.6 14 94,575 279 1,925,766 7 45,566
11+ 0 0 0 0 0 0
Total 112.3 14.1 110.3 63 439,502 3,163 22,509,907 56 398,440
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 8 67,235 0 138
45-49 0.0 0.0 0.0 0 0 27 171,756 0 593
50-54 0.0 0.0 0.0 0 0 108 769,460 1 3,943
55-59 174.5 78.0 201.9 5 40,245 395 2,754,870 3 19,934
60-64 107.4 35.8 93.4 9 55,487 808 5,735,369 8 59,406
65-69 176.9 32.3 171.3 30 209,960 1,165 8,440,977 17 122,582
70-74 93.9 31.3 96.0 9 63,826 366 2,545,124 10 66,477
75-79 36.9 26.1 30.7 2 11,673 129 904,599 5 37,971
80-84 64.1 24.2 63.7 7 48,921 148 1,042,704 11 76,783
85-89 76.5 76.5 88.5 1 9,390 9 77,812 1 10,612
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 112.3 14.1 110.3 63 439,502 3,163 22,509,907 56 398,440
Ultimate Experience By Attained Age
18-59 693.3 693.3 1009.5 1 8,487 31 178,336 0 841
60-64 174.3 174.3 139.7 1 5,523 76 518,037 1 3,954
65-69 170.5 76.3 179.3 5 37,346 274 1,948,080 3 20,823
70-74 154.8 34.6 150.0 20 136,045 749 5,253,191 13 90,702
75-79 143.4 17.8 141.2 65 450,782 1,563 11,004,939 45 319,308
80-84 110.1 11.4 112.3 93 658,878 1,607 11,197,618 84 586,926
85-89 130.1 11.1 132.8 137 940,762 1,077 7,238,815 105 708,579
90+ 96.3 9.5 96.0 103 708,668 569 3,918,280 107 737,955
Total 118.5 5.7 119.3 425 2,946,491 5,946 41,257,294 359 2,469,087
GRAND TOTAL 117.7 5.3 118.1 488 3,385,993 9,109 63,767,201 415 2,867,527

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.20     MALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 54.2 31.3 40.9 3 47,092 396 7,941,634 6 115,031
2 119.5 45.2 167.7 7 209,041 378 7,745,944 6 124,631
3 120.5 45.5 100.2 7 123,100 349 6,951,727 6 122,895
4 82.7 37.0 54.5 5 68,802 342 6,638,667 6 126,187
5 121.3 45.8 122.2 7 153,695 310 6,089,845 6 125,730
6 121.5 45.9 113.7 7 142,053 280 5,435,233 6 124,900
7 126.5 47.8 111.9 7 136,161 249 4,803,081 6 121,657
8 150.4 53.2 94.4 8 110,144 230 4,328,945 5 116,652
9 126.3 47.7 97.6 7 122,414 227 4,298,140 6 125,472
10 201.1 58.0 206.3 12 276,456 235 4,392,905 6 134,033
11+ 0 0 0 0 0 0
Total 122.5 14.6 112.3 70 1,388,958 2,997 58,626,121 57 1,237,187
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 3 35,622 0 78
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 24 412,801 0 1,455
50-54 584.5 413.3 371.6 2 25,753 77 1,543,631 0 6,930
55-59 105.3 60.8 129.5 3 60,709 382 6,161,956 3 46,880
60-64 118.1 37.3 89.2 10 140,804 865 16,314,152 8 157,810
65-69 158.7 34.6 184.3 21 482,465 907 17,758,453 13 261,786
70-74 83.8 31.7 84.9 7 136,617 347 6,872,819 8 160,927
75-79 125.1 37.7 115.6 11 230,160 198 4,581,152 9 199,095
80-84 108.8 28.1 77.2 15 297,450 185 4,822,178 14 385,262
85-89 0.0 0.0 0.0 0 0 8 108,357 1 14,314
90-94 566.5 566.5 566.5 1 15,000 1 15,000 0 2,648
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 122.5 14.6 112.3 70 1,388,958 2,997 58,626,121 57 1,237,187
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 11 135,591 0 561
60-64 210.5 210.5 124.4 1 10,027 62 1,041,656 0 8,058
65-69 165.9 67.7 186.8 6 123,074 333 6,037,726 4 65,885
70-74 149.1 32.5 149.6 21 415,950 822 16,210,237 14 278,091
75-79 99.5 14.7 111.8 46 1,009,532 1,580 30,799,564 46 903,371
80-84 133.9 12.3 126.6 119 2,373,634 1,688 35,312,378 89 1,874,979
85-89 108.8 10.3 96.5 111 2,350,725 1,055 25,114,157 102 2,436,918
90+ 106.0 11.1 94.0 91 1,962,919 467 11,454,057 86 2,088,714
Total 115.8 5.8 107.7 395 8,245,861 6,018 126,105,367 341 7,656,577
GRAND TOTAL 116.7 5.4 108.3 465 9,634,819 9,015 184,731,488 398 8,893,765

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.21     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 92.0 27.7 76.6 11 6,025 727 467,053 12 7,867
2 129.4 30.5 114.2 18 10,524 817 523,484 14 9,213
3 153.3 32.0 152.9 23 15,708 836 543,544 15 10,273
4 108.6 25.6 125.2 18 14,242 863 561,178 17 11,377
5 148.0 27.5 147.8 29 20,069 911 592,810 20 13,583
6 104.0 22.7 104.5 21 14,447 940 610,359 20 13,823
7 99.1 21.1 98.3 22 14,872 979 636,851 22 15,130
8 84.0 17.9 79.6 22 14,074 1,098 709,456 26 17,675
9 134.9 19.5 130.0 48 30,591 1,378 868,206 36 23,526
10 119.0 16.5 120.2 52 34,578 1,679 1,054,729 44 28,760
11+ 0 0 0 0 0 0
Total 117.4 7.2 115.8 264 175,130 10,229 6,567,668 225 151,227
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 15 10,533 0 8
15-19 0.0 0.0 0.0 0 0 33 16,645 0 16
20-24 0.0 0.0 0.0 0 0 61 32,965 0 36
25-29 0.0 0.0 0.0 0 0 17 6,037 0 8
30-34 0.0 0.0 0.0 0 0 40 23,490 0 32
35-39 0.0 0.0 0.0 0 0 50 23,644 0 39
40-44 0.0 0.0 0.0 0 0 69 33,962 0 82
45-49 0.0 0.0 0.0 0 0 153 88,663 1 351
50-54 90.1 63.7 73.9 2 930 380 212,522 2 1,259
55-59 190.5 63.5 149.7 9 4,104 601 347,759 5 2,742
60-64 141.7 28.9 137.9 24 14,569 1,580 990,227 17 10,562
65-69 129.0 12.4 129.4 108 70,319 5,253 3,416,734 84 54,333
70-74 119.7 20.5 117.4 34 22,025 979 647,061 28 18,767
75-79 92.1 18.4 91.9 25 17,975 473 340,395 27 19,567
80-84 83.3 21.5 79.9 15 11,063 206 156,208 18 13,839
85-89 104.8 16.2 110.7 42 31,096 307 213,636 40 28,084
90-94 168.9 84.5 178.0 4 2,165 12 6,305 2 1,216
95-99 306.9 306.9 306.9 1 884 1 884 0 288
100+ 0 0 0 0 0 0
Total 117.4 7.2 115.8 264 175,130 10,229 6,567,668 225 151,227
Ultimate Experience By Attained Age
18-59 150.0 38.7 169.3 15 8,558 2,481 1,216,068 10 5,056
60-64 128.7 26.3 139.7 24 14,534 2,497 1,391,906 19 10,406
65-69 127.8 17.1 132.8 56 33,449 4,164 2,390,780 44 25,191
70-74 118.7 9.9 118.8 144 84,962 7,079 4,173,298 121 71,546
75-79 116.2 5.1 114.8 510 306,513 14,927 9,077,076 439 267,023
80-84 116.3 3.4 115.9 1,139 695,117 18,352 11,245,335 979 600,004
85-89 113.6 2.7 113.5 1,754 1,050,012 15,532 9,331,419 1,544 924,935
90+ 85.0 1.8 86.1 2,263 1,257,006 11,970 6,728,361 2,662 1,459,294
Total 101.5 1.3 102.6 5,905 3,450,151 77,001 45,554,242 5,818 3,363,455
GRAND TOTAL 102.1 1.3 103.1 6,169 3,625,281 87,231 52,121,911 6,043 3,514,683

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.22     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 80.1 14.0 76.1 33 81,716 2,252 5,784,043 41 107,389
2 101.7 14.7 89.6 48 109,169 2,387 6,029,338 47 121,850
3 123.6 14.9 120.8 69 175,959 2,551 6,453,743 56 145,659
4 96.6 12.5 97.3 60 155,529 2,635 6,600,689 62 159,865
5 116.8 12.9 115.6 82 204,731 2,686 6,613,296 70 177,044
6 108.5 11.9 100.6 83 189,106 2,658 6,415,782 77 187,971
7 105.1 11.3 108.5 87 221,866 2,614 6,287,650 83 204,447
8 102.3 10.6 99.2 93 221,634 2,655 6,332,695 91 223,321
9 126.1 11.1 127.7 130 319,138 2,849 6,642,430 103 249,955
10 103.6 9.4 109.4 122 309,529 3,095 7,151,168 118 282,958
11+ 0 0 0 0 0 0
Total 107.9 3.8 106.9 807 1,988,377 26,382 64,310,833 748 1,860,460
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 4449.4 4449.4 4704.9 1 1,877 24 44,372 0 40
20-24 0.0 0.0 0.0 0 0 44 121,066 0 140
25-29 0.0 0.0 0.0 0 0 79 123,920 0 153
30-34 0.0 0.0 0.0 0 0 72 179,538 0 226
35-39 1400.9 990.6 1297.3 2 4,947 83 230,934 0 381
40-44 439.3 310.6 374.2 2 5,107 204 619,763 0 1,365
45-49 801.5 302.9 874.4 7 21,014 257 717,553 1 2,403
50-54 318.0 100.6 327.6 10 27,097 613 1,639,394 3 8,272
55-59 119.7 32.0 134.3 14 38,216 1,588 3,890,631 12 28,450
60-64 109.3 18.2 114.4 36 93,634 3,149 7,913,256 33 81,813
65-69 137.4 8.6 134.8 257 567,628 11,958 26,797,518 187 421,011
70-74 100.5 9.8 92.5 105 259,766 3,695 9,904,991 104 280,857
75-79 99.2 8.9 97.3 125 329,630 2,339 6,308,827 126 338,910
80-84 88.2 8.4 96.8 110 319,609 1,275 3,454,015 125 330,286
85-89 89.4 8.6 88.6 108 241,282 866 1,992,790 121 272,281
90-94 81.2 15.6 80.0 27 71,236 130 355,933 33 89,073
95-99 165.9 95.8 152.8 3 7,334 6 16,332 2 4,799
100+ 0 0 0 0 0 0
Total 107.9 3.8 106.9 807 1,988,377 26,382 64,310,833 748 1,860,460
Ultimate Experience By Attained Age
18-59 174.9 35.7 179.3 24 60,299 3,391 8,568,595 14 33,635
60-64 146.1 29.8 183.3 24 68,622 2,228 5,077,900 16 37,433
65-69 141.3 19.4 170.5 53 145,760 3,553 8,111,175 38 85,502
70-74 108.4 9.4 108.4 134 297,631 7,140 15,859,767 124 274,451
75-79 122.9 4.7 126.4 689 1,529,490 18,991 40,961,460 560 1,210,412
80-84 125.3 3.0 127.4 1,768 3,976,729 26,256 58,024,764 1,411 3,121,006
85-89 111.5 2.2 113.0 2,609 5,932,648 23,515 52,686,798 2,341 5,248,948
90+ 87.8 1.6 88.0 3,127 7,106,266 16,770 37,981,050 3,563 8,076,154
Total 104.5 1.1 105.7 8,428 19,117,445 101,844 227,271,508 8,067 18,087,540
GRAND TOTAL 104.8 1.1 105.8 9,235 21,105,822 128,226 291,582,341 8,815 19,948,001

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.23     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 86.0 17.9 86.3 23 166,668 1,168 8,362,536 27 193,117
2 71.8 15.7 72.7 21 152,948 1,193 8,504,924 29 210,435
3 109.2 18.5 102.7 35 236,563 1,230 8,769,572 32 230,244
4 90.1 16.2 92.4 31 227,388 1,211 8,644,381 34 246,177
5 117.6 18.4 126.5 41 311,264 1,141 8,134,227 35 246,094
6 86.6 15.6 91.7 31 231,292 1,022 7,285,472 36 252,187
7 95.5 16.2 98.6 35 253,045 981 6,958,046 37 256,513
8 81.8 14.9 85.8 30 218,619 919 6,494,461 37 254,734
9 101.3 15.6 104.3 42 300,453 922 6,514,584 41 288,199
10 101.0 14.9 100.3 46 316,750 945 6,648,833 46 315,752
11+ 0 0 0 0 0 0
Total 94.8 5.2 96.9 335 2,414,990 10,733 76,317,036 353 2,493,454
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 6 47,324 0 35
15-19 0.0 0.0 0.0 0 0 16 143,188 0 154
20-24 0.0 0.0 0.0 0 0 20 132,039 0 161
25-29 0.0 0.0 0.0 0 0 27 179,219 0 225
30-34 1560.6 1560.6 1937.2 1 9,201 49 358,192 0 475
35-39 0.0 0.0 0.0 0 0 67 501,529 0 722
40-44 449.9 318.1 494.2 2 15,882 205 1,490,897 0 3,214
45-49 153.9 153.9 213.2 1 9,185 199 1,309,932 1 4,309
50-54 120.8 85.4 145.9 2 16,778 337 2,346,529 2 11,502
55-59 218.0 65.7 229.8 11 83,298 708 5,098,871 5 36,247
60-64 132.6 30.4 133.7 19 136,670 1,425 10,100,773 14 102,249
65-69 104.6 14.9 106.9 49 352,628 3,008 21,205,799 47 329,917
70-74 125.4 15.7 121.5 64 453,318 1,874 13,791,349 51 372,985
75-79 96.2 11.7 98.7 68 490,392 1,397 9,913,991 71 496,977
80-84 74.2 9.5 78.9 61 445,943 892 6,126,297 82 565,222
85-89 65.6 10.5 64.8 39 272,870 411 2,916,943 59 421,059
90-94 85.3 20.7 85.5 17 120,200 89 628,288 20 140,638
95-99 117.1 117.1 117.1 1 8,625 3 25,875 1 7,363
100+ 0 0 0 0 0 0
Total 94.8 5.2 96.9 335 2,414,990 10,733 76,317,036 353 2,493,454
Ultimate Experience By Attained Age
18-59 186.1 56.1 181.8 11 77,293 1,649 11,871,839 6 42,515
60-64 286.6 67.5 298.1 18 133,361 849 6,052,094 6 44,737
65-69 120.3 30.1 123.2 16 116,074 1,261 8,931,525 13 94,207
70-74 104.4 16.3 105.2 41 290,860 2,282 16,073,587 39 276,603
75-79 128.3 9.9 128.7 168 1,180,837 4,449 31,219,365 131 917,235
80-84 115.7 5.7 115.3 405 2,775,421 6,461 44,473,102 350 2,407,404
85-89 103.2 4.1 103.3 626 4,310,717 6,114 42,013,825 607 4,173,333
90+ 88.4 3.2 89.1 785 5,517,472 4,370 30,584,724 888 6,193,851
Total 101.5 2.2 101.8 2,070 14,402,035 27,436 191,220,059 2,040 14,149,886
GRAND TOTAL 100.5 2.0 101.0 2,405 16,817,025 38,169 267,537,095 2,394 16,643,340

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.24     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 55.6 10.5 28.9 28 602,229 1,673 62,164,917 50 2,084,348
2 45.3 9.1 38.7 25 934,219 1,621 62,715,901 55 2,414,370
3 74.9 11.0 80.5 46 2,121,837 1,667 65,027,371 61 2,636,679
4 72.1 10.5 49.9 47 1,385,274 1,654 66,745,345 65 2,774,361
5 89.3 11.6 64.5 59 1,784,026 1,580 64,818,209 66 2,765,849
6 117.3 13.5 162.4 76 4,374,303 1,417 56,953,448 65 2,693,164
7 71.6 10.9 64.8 43 1,583,635 1,249 49,695,236 60 2,443,551
8 77.5 11.4 44.4 46 1,106,330 1,150 46,728,659 59 2,493,158
9 79.1 11.5 66.7 47 1,669,914 1,066 42,856,975 59 2,503,516
10 68.7 10.7 39.7 41 962,828 1,031 39,480,037 60 2,423,597
11+ 0 0 0 0 0 0
Total 76.1 3.6 65.5 458 16,524,595 14,107 557,186,097 602 25,232,593
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0.0 0.0 0.0 0 0 1 97,205 0 67
10-14 8231.1 8231.1 13977.2 1 44,864 14 373,832 0 321
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 37 1,704,289 0 2,013
25-29 0.0 0.0 0.0 0 0 23 487,712 0 629
30-34 0.0 0.0 0.0 0 0 26 433,957 0 555
35-39 0.0 0.0 0.0 0 0 91 2,796,301 0 4,819
40-44 386.3 273.1 527.7 2 58,913 228 4,965,486 1 11,165
45-49 219.8 155.4 138.3 2 27,639 282 6,482,471 1 19,985
50-54 435.4 137.7 263.8 10 148,741 480 11,880,125 2 56,377
55-59 210.3 52.6 182.5 16 380,968 1,074 28,705,270 8 208,714
60-64 104.7 26.2 102.4 16 546,312 1,550 53,158,871 15 533,749
65-69 61.6 12.6 46.4 24 603,096 2,461 80,641,788 39 1,298,590
70-74 52.1 8.6 35.7 37 1,145,797 2,554 108,569,920 71 3,210,212
75-79 77.2 7.5 66.6 105 5,464,072 2,640 166,276,985 136 8,200,362
80-84 66.4 7.0 47.6 89 2,236,570 1,548 54,140,737 134 4,703,527
85-89 79.3 8.2 84.2 94 2,767,239 758 20,888,121 118 3,286,052
90-94 78.1 10.7 75.8 53 2,170,714 309 12,479,453 68 2,864,613
95-99 106.6 35.5 111.9 9 929,670 31 3,103,574 8 830,843
100+ 0 0 0 0 0 0
Total 76.1 3.6 65.5 458 16,524,595 14,107 557,186,097 602 25,232,593
Ultimate Experience By Attained Age
18-59 162.4 57.4 182.5 8 209,623 1,433 35,238,696 5 114,863
60-64 202.2 61.0 123.8 11 183,999 734 19,908,443 5 148,641
65-69 174.6 38.1 209.0 21 677,511 1,139 30,793,551 12 324,216
70-74 93.6 16.5 71.1 32 598,592 1,991 49,070,913 34 841,398
75-79 96.2 9.5 92.7 103 2,348,570 3,634 86,427,908 107 2,534,732
80-84 103.9 6.1 98.5 293 6,207,896 5,253 117,312,182 282 6,302,578
85-89 89.8 4.3 85.8 432 9,661,591 4,836 113,446,242 481 11,257,812
90+ 84.7 3.3 72.0 650 14,525,464 3,650 96,930,813 768 20,172,596
Total 91.5 2.3 82.5 1,550 34,413,246 22,670 549,128,747 1,694 41,696,836
GRAND TOTAL 87.5 2.0 76.1 2,008 50,937,841 36,777 1,106,314,844 2,296 66,929,428

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.25     FEMALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 82.6 33.7 78.1 6 3,351 704 416,773 7 4,291
2 129.2 40.8 116.7 10 5,665 739 448,217 8 4,856
3 184.3 44.7 194.2 17 11,563 807 501,209 9 5,955
4 132.9 36.9 118.4 13 7,444 822 510,849 10 6,286
5 104.1 31.4 94.2 11 6,329 827 512,856 11 6,722
6 94.6 28.5 102.8 11 7,553 840 522,133 12 7,345
7 117.5 29.4 111.2 16 9,621 897 559,367 14 8,651
8 115.6 26.5 95.9 19 9,837 994 608,391 16 10,259
9 111.1 21.0 109.8 28 16,958 1,341 812,993 25 15,450
10 109.9 18.3 104.1 36 21,014 1,605 984,674 33 20,192
11+ 0 0 0 0 0 0
Total 115.8 9.0 110.4 167 99,335 9,577 5,877,462 144 90,007
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 5 145 0 0
35-39 0.0 0.0 0.0 0 0 32 10,364 0 7
40-44 0.0 0.0 0.0 0 0 76 33,332 0 32
45-49 0.0 0.0 0.0 0 0 98 48,859 0 77
50-54 200.5 200.5 91.0 1 300 173 110,096 0 330
55-59 292.4 92.5 278.3 10 5,947 743 460,148 3 2,137
60-64 116.6 33.7 107.0 12 7,165 1,331 865,292 10 6,695
65-69 106.1 13.6 104.1 61 35,941 4,147 2,517,545 57 34,537
70-74 122.2 16.5 112.3 55 30,360 2,432 1,459,439 45 27,031
75-79 105.0 35.0 128.7 9 7,846 267 190,740 9 6,095
80-84 132.1 31.1 119.4 18 11,185 227 149,338 14 9,368
85-89 21.0 21.0 16.5 1 591 43 31,117 5 3,573
90-94 0.0 0.0 0.0 0 0 3 1,047 0 124
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 115.8 9.0 110.4 167 99,335 9,577 5,877,462 144 90,007
Ultimate Experience By Attained Age
18-59 1365.4 610.6 1292.0 5 2,981 152 95,420 0 231
60-64 232.7 134.4 191.4 3 1,599 278 180,497 1 835
65-69 160.1 42.8 158.1 14 8,723 1,154 727,015 9 5,517
70-74 114.5 17.5 111.3 43 26,905 3,050 1,962,660 38 24,175
75-79 138.4 9.3 135.4 222 140,597 7,906 5,118,018 160 103,812
80-84 107.5 3.9 108.2 767 492,136 19,322 12,311,238 714 454,785
85-89 110.7 2.3 111.9 2,232 1,426,144 28,043 17,734,245 2,017 1,274,436
90+ 99.2 1.4 98.6 5,344 3,234,373 33,016 20,299,775 5,389 3,281,464
Total 103.6 1.1 103.7 8,630 5,333,458 92,920 58,428,869 8,328 5,145,256
GRAND TOTAL 103.8 1.1 103.8 8,797 5,432,793 102,497 64,306,331 8,473 5,235,263

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.26     FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 52.0 10.8 55.9 23 71,720 3,426 9,538,794 44 128,395
2 59.6 10.5 51.0 32 79,465 3,613 10,000,475 54 155,800
3 75.9 10.8 79.2 49 148,885 3,854 10,620,058 65 188,037
4 97.0 11.8 95.8 67 193,695 3,863 10,626,704 69 202,144
5 94.6 11.4 95.5 69 202,929 3,720 10,158,563 73 212,384
6 102.9 11.6 99.6 79 221,900 3,537 9,554,555 77 222,873
7 89.7 10.6 87.2 71 199,636 3,409 9,134,302 79 229,036
8 109.9 11.3 99.8 95 245,645 3,500 9,282,361 86 246,245
9 95.7 9.7 96.7 98 277,534 3,934 10,370,115 102 287,094
10 117.7 10.1 106.8 137 344,870 4,261 11,119,452 116 322,836
11+ 0 0 0 0 0 0
Total 94.0 3.5 90.5 720 1,986,279 37,117 100,405,379 766 2,194,844
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 22 47,345 0 26
35-39 0.0 0.0 0.0 0 0 15 50,295 0 44
40-44 0.0 0.0 0.0 0 0 69 168,299 0 203
45-49 0.0 0.0 0.0 0 0 159 358,626 0 687
50-54 300.5 150.2 209.1 4 7,401 428 1,146,636 1 3,540
55-59 198.5 40.5 174.1 24 53,133 2,626 6,681,889 12 30,522
60-64 132.8 19.4 128.5 47 123,484 4,947 13,520,239 35 96,082
65-69 99.3 7.9 99.2 157 401,731 12,696 32,539,986 158 404,792
70-74 101.8 8.3 97.4 150 385,822 8,183 21,875,926 147 396,125
75-79 83.5 7.2 86.5 133 401,170 4,385 12,779,872 159 463,927
80-84 88.6 7.0 84.9 159 474,738 2,946 9,120,745 180 559,338
85-89 64.6 10.2 58.0 40 117,899 578 1,898,256 62 203,287
90-94 54.6 24.4 52.9 5 16,827 59 202,428 9 31,809
95-99 84.9 84.9 91.3 1 4,074 4 14,836 1 4,460
100+ 0 0 0 0 0 0
Total 94.0 3.5 90.5 720 1,986,279 37,117 100,405,379 766 2,194,844
Ultimate Experience By Attained Age
18-59 249.3 144.0 179.7 3 5,069 473 1,118,849 1 2,821
60-64 184.5 65.2 162.9 8 17,407 940 2,310,964 4 10,682
65-69 111.4 21.1 126.7 28 76,952 3,317 8,012,244 25 60,728
70-74 124.2 10.6 130.6 138 357,179 8,985 22,124,360 111 273,428
75-79 121.6 5.0 124.0 599 1,476,282 24,305 58,794,890 493 1,190,271
80-84 112.5 2.4 115.0 2,256 5,463,177 54,452 129,279,375 2,005 4,751,961
85-89 106.6 1.4 105.7 5,878 13,463,911 76,888 177,861,811 5,513 12,737,382
90+ 97.5 0.9 97.7 11,052 24,845,321 73,489 165,859,348 11,331 25,439,157
Total 102.5 0.7 102.8 19,962 45,705,298 242,850 565,361,842 19,483 44,466,431
GRAND TOTAL 102.1 0.7 102.2 20,682 47,691,577 279,967 665,767,221 20,249 46,661,275

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.27     FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 81.8 16.0 80.6 26 181,560 2,030 14,278,739 32 225,400
2 63.2 12.9 64.7 24 174,028 2,056 14,479,544 38 269,056
3 71.4 12.8 72.0 31 222,870 2,111 14,900,227 43 309,543
4 80.0 13.0 79.8 38 270,584 2,096 14,829,530 47 339,077
5 81.7 13.1 78.1 39 265,672 1,937 13,681,468 48 339,986
6 69.2 12.1 69.1 33 234,676 1,729 12,244,944 48 339,384
7 91.0 13.9 90.9 43 307,103 1,610 11,376,199 47 337,672
8 103.9 14.4 109.6 52 391,319 1,576 11,119,746 50 356,957
9 107.3 14.1 107.9 58 410,298 1,605 11,232,059 54 380,300
10 110.8 13.8 108.8 64 439,894 1,644 11,458,446 58 404,210
11+ 0 0 0 0 0 0
Total 87.7 4.3 87.8 408 2,898,004 18,394 129,600,903 465 3,301,585
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 1 6,068 0 7
40-44 0.0 0.0 0.0 0 0 25 140,825 0 160
45-49 0.0 0.0 0.0 0 0 60 497,161 0 876
50-54 572.5 256.0 575.6 5 36,719 287 2,073,958 1 6,379
55-59 40.3 28.5 42.0 2 14,824 1,123 7,990,160 5 35,313
60-64 127.4 27.8 128.4 21 147,525 2,298 16,037,495 16 114,883
65-69 107.3 14.0 103.8 59 395,865 4,591 31,785,599 55 381,309
70-74 83.7 11.1 85.5 57 407,460 3,841 26,947,984 68 476,388
75-79 88.0 8.9 87.2 98 699,141 3,239 23,314,784 111 802,023
80-84 79.8 7.3 80.1 119 840,537 2,362 16,655,704 149 1,049,396
85-89 79.5 12.1 82.7 43 328,073 537 3,915,478 54 396,822
90-94 79.5 39.7 73.3 4 27,860 32 235,685 5 38,029
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 87.7 4.3 87.8 408 2,898,004 18,394 129,600,903 465 3,301,585
Ultimate Experience By Attained Age
18-59 199.3 199.3 179.6 1 6,037 194 1,297,506 1 3,361
60-64 417.0 157.6 385.9 7 44,685 366 2,520,924 2 11,581
65-69 173.5 50.1 183.0 12 88,720 923 6,470,004 7 48,477
70-74 119.1 19.6 118.3 37 253,099 2,503 17,244,036 31 213,935
75-79 124.0 9.7 122.9 165 1,119,619 6,588 45,122,985 133 910,917
80-84 110.6 4.8 111.3 532 3,636,040 13,195 89,686,696 481 3,267,575
85-89 108.7 3.1 109.2 1,242 8,435,739 16,117 108,904,810 1,143 7,724,646
90+ 98.1 2.2 98.1 2,010 13,627,626 13,619 92,243,011 2,050 13,898,636
Total 104.1 1.6 104.3 4,006 27,211,565 53,503 363,489,972 3,847 26,079,128
GRAND TOTAL 102.4 1.5 102.5 4,414 30,109,569 71,897 493,090,875 4,312 29,380,713

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.28     FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 22.8 9.3 21.6 6 103,864 1,327 23,585,202 26 480,453
2 63.0 14.4 67.1 19 361,893 1,304 22,958,508 30 539,192
3 64.7 14.1 53.3 21 308,115 1,254 22,051,482 32 578,074
4 73.6 14.7 73.8 25 443,994 1,216 21,087,861 34 601,598
5 78.9 15.2 87.9 27 513,300 1,119 18,862,561 34 584,132
6 94.9 16.8 103.7 32 590,568 1,013 16,941,731 34 569,316
7 77.4 15.8 69.0 24 347,481 885 14,340,340 31 503,551
8 90.5 17.4 101.7 27 487,285 810 13,017,006 30 479,054
9 92.8 17.2 86.6 29 430,422 807 12,830,848 31 496,867
10 91.3 16.7 82.8 30 449,892 806 12,916,604 33 543,209
11+ 0 0 0 0 0 0
Total 76.0 4.9 75.1 240 4,036,814 10,540 178,592,143 316 5,375,447
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 13 251,273 0 164
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 42 737,229 0 1,161
50-54 1112.9 642.5 1142.7 3 44,488 91 1,318,587 0 3,893
55-59 185.0 82.8 135.9 5 60,712 606 10,028,821 3 44,676
60-64 50.1 25.0 52.3 4 66,642 1,150 18,562,360 8 127,348
65-69 107.6 20.3 112.5 28 478,697 2,271 37,579,645 26 425,388
70-74 70.2 14.0 72.7 25 451,471 2,064 36,278,309 36 621,099
75-79 91.5 11.7 90.9 61 1,014,784 1,926 32,637,949 67 1,115,862
80-84 71.3 8.3 67.6 73 1,181,799 1,687 29,040,229 102 1,748,830
85-89 55.1 9.7 54.2 32 529,461 588 10,112,262 58 976,970
90-94 56.4 18.8 67.3 9 208,760 102 2,045,479 16 310,056
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 76.0 4.9 75.1 240 4,036,814 10,540 178,592,143 316 5,375,447
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 65 1,154,030 0 3,135
60-64 471.4 235.7 296.3 4 51,675 185 3,805,635 1 17,440
65-69 244.7 77.4 221.8 10 161,312 548 9,765,215 4 72,713
70-74 97.9 26.2 82.7 14 184,065 1,161 18,113,617 14 222,482
75-79 136.2 16.4 122.2 69 967,239 2,542 39,725,384 51 791,247
80-84 112.0 8.4 107.9 178 2,634,392 4,402 67,727,595 159 2,441,690
85-89 102.0 5.2 100.3 382 5,723,029 5,277 80,399,013 374 5,705,995
90+ 90.4 3.7 91.7 594 9,395,308 4,322 67,413,777 657 10,246,429
Total 99.2 2.8 98.0 1,251 19,117,020 18,503 288,104,267 1,261 19,501,132
GRAND TOTAL 94.6 2.4 93.1 1,491 23,153,834 29,044 466,696,409 1,577 24,876,579

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.29     FEMALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 0.0 0.0 0.0 0 0 149 89,999 1 761
2 56.0 56.0 90.0 1 935 165 102,016 2 1,039
3 48.0 48.0 33.7 1 421 189 114,826 2 1,249
4 329.5 124.6 286.5 7 3,891 191 116,151 2 1,358
5 145.0 83.7 188.6 3 2,513 189 114,165 2 1,333
6 41.7 41.7 51.7 1 781 205 121,563 2 1,509
7 130.8 65.4 157.4 4 3,129 221 132,901 3 1,988
8 110.5 55.3 90.4 4 2,040 245 146,633 4 2,258
9 150.6 61.5 197.6 6 4,893 267 163,227 4 2,476
10 114.8 51.3 118.2 5 3,231 290 178,087 4 2,733
11+ 0 0 0 0 0 0
Total 119.6 21.1 130.7 32 21,834 2,112 1,279,568 27 16,704
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 8 4,158 0 4
40-44 0.0 0.0 0.0 0 0 23 8,481 0 11
45-49 0.0 0.0 0.0 0 0 56 25,583 0 42
50-54 0.0 0.0 0.0 0 0 52 32,088 0 105
55-59 57.3 57.3 96.9 1 945 396 221,765 2 975
60-64 153.4 62.6 173.3 6 3,995 498 291,527 4 2,305
65-69 121.2 38.3 145.3 10 7,856 729 480,721 8 5,406
70-74 144.2 72.1 176.9 4 2,971 147 90,736 3 1,680
75-79 114.2 80.8 111.0 2 975 51 27,086 2 878
80-84 108.2 38.2 82.8 8 4,114 145 94,405 7 4,968
85-89 158.5 158.5 297.1 1 978 6 3,019 1 329
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 119.6 21.1 130.7 32 21,834 2,112 1,279,568 27 16,704
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 64 43,921 0 96
60-64 0.0 0.0 0.0 0 0 169 95,874 1 452
65-69 191.1 72.2 231.9 7 4,840 492 280,224 4 2,087
70-74 144.5 34.1 158.5 18 11,656 1,032 608,045 12 7,356
75-79 121.6 18.3 114.6 44 25,120 1,848 1,120,137 36 21,926
80-84 135.9 12.6 141.2 117 69,770 2,427 1,396,884 86 49,421
85-89 102.7 8.3 108.9 153 86,673 2,124 1,140,943 149 79,580
90+ 91.1 5.0 95.9 334 168,283 2,104 1,050,061 367 175,433
Total 102.8 4.0 108.9 673 366,342 10,258 5,736,091 655 336,350
GRAND TOTAL 103.4 3.9 109.9 705 388,176 12,370 7,015,658 682 353,054

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.30     FEMALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 92.3 34.9 90.8 7 18,868 931 2,563,475 8 20,780
2 89.6 31.7 104.9 8 25,221 989 2,675,989 9 24,039
3 134.8 36.0 115.5 14 31,547 1,064 2,809,073 10 27,314
4 169.6 37.9 171.2 20 53,227 1,125 2,972,614 12 31,094
5 117.5 30.3 114.6 15 38,385 1,112 2,921,913 13 33,498
6 122.8 30.7 112.9 16 38,720 1,053 2,767,770 13 34,286
7 141.3 32.4 136.4 19 47,795 1,014 2,637,472 13 35,045
8 128.3 29.4 123.6 19 47,408 1,025 2,622,723 15 38,357
9 80.9 22.4 83.4 13 34,599 1,034 2,623,036 16 41,486
10 125.1 26.1 124.9 23 58,931 1,106 2,797,152 18 47,169
11+ 0 0 0 0 0 0
Total 121.1 9.8 118.5 154 394,701 10,453 27,391,219 127 333,068
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 1 1,823 0 1
35-39 0.0 0.0 0.0 0 0 6 7,344 0 7
40-44 0.0 0.0 0.0 0 0 33 97,964 0 105
45-49 574.2 574.2 467.6 1 2,195 102 276,760 0 469
50-54 135.5 135.5 197.2 1 3,811 272 728,629 1 1,932
55-59 241.3 60.3 254.1 16 42,188 1,475 3,709,929 7 16,603
60-64 139.4 25.9 134.0 29 72,998 2,886 7,620,522 21 54,494
65-69 124.7 17.3 125.6 52 136,727 3,940 10,387,818 42 108,821
70-74 70.9 22.4 67.4 10 24,748 814 2,126,577 14 36,693
75-79 127.8 33.0 135.1 15 42,773 368 997,616 12 31,654
80-84 98.5 18.6 85.8 28 63,427 531 1,362,695 28 73,887
85-89 70.6 49.9 69.4 2 5,834 23 73,542 3 8,402
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 121.1 9.8 118.5 154 394,701 10,453 27,391,219 127 333,068
Ultimate Experience By Attained Age
18-59 190.0 190.0 277.9 1 3,711 236 598,633 1 1,335
60-64 204.0 117.8 119.3 3 4,261 322 785,198 1 3,571
65-69 167.1 44.6 155.6 14 31,170 1,121 2,677,918 8 20,036
70-74 130.5 19.5 131.0 45 110,068 2,842 6,928,095 34 83,989
75-79 115.0 10.5 112.2 121 290,756 5,398 13,304,290 105 259,080
80-84 134.8 8.3 132.1 267 635,082 5,669 13,770,165 198 480,772
85-89 117.2 6.4 117.1 334 810,653 4,154 10,095,478 285 692,439
90+ 100.2 5.1 100.1 386 911,503 2,547 6,041,057 385 910,453
Total 115.0 3.4 114.1 1,171 2,797,204 22,289 54,200,835 1,018 2,451,674
GRAND TOTAL 115.7 3.2 114.6 1,325 3,191,905 32,741 81,592,053 1,146 2,784,743

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.31     FEMALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 56.5 39.9 64.4 2 16,278 472 3,320,563 4 25,265
2 126.0 56.4 116.2 5 32,887 466 3,277,452 4 28,300
3 106.5 47.6 110.8 5 37,117 491 3,458,483 5 33,503
4 59.1 34.1 52.7 3 19,003 490 3,436,722 5 36,053
5 188.0 59.4 181.4 10 68,907 460 3,234,955 5 37,994
6 53.3 30.8 49.2 3 19,647 425 2,996,517 6 39,954
7 164.6 52.0 166.3 10 70,866 391 2,743,941 6 42,623
8 180.2 54.3 176.1 11 75,295 378 2,660,441 6 42,767
9 62.5 31.2 65.0 4 29,109 370 2,615,267 6 44,801
10 75.1 33.6 65.4 5 30,544 380 2,690,421 7 46,727
11+ 0 0 0 0 0 0
Total 108.5 14.2 105.7 58 399,653 4,323 30,434,763 53 377,987
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 5 27,735 0 14
40-44 0.0 0.0 0.0 0 0 22 145,364 0 160
45-49 0.0 0.0 0.0 0 0 40 261,861 0 468
50-54 395.7 395.7 333.5 1 6,039 94 673,247 0 1,811
55-59 65.9 46.6 68.0 2 14,480 697 4,889,873 3 21,287
60-64 110.9 35.1 95.3 10 63,656 1,281 9,443,560 9 66,811
65-69 136.8 31.4 140.5 19 131,936 1,391 9,380,251 14 93,879
70-74 91.4 37.3 98.0 6 43,574 383 2,613,042 7 44,482
75-79 60.5 34.9 67.5 3 23,784 149 1,072,760 5 35,252
80-84 98.6 26.3 91.5 14 95,460 251 1,854,473 14 104,275
85-89 205.9 118.9 217.0 3 20,724 11 72,598 1 9,549
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 108.5 14.2 105.7 58 399,653 4,323 30,434,763 53 377,987
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 78 511,675 0 1,292
60-64 690.4 345.2 638.8 4 25,971 127 890,147 1 4,066
65-69 265.4 93.8 281.2 8 60,477 403 2,876,423 3 21,508
70-74 184.7 40.3 191.6 21 153,987 945 6,674,396 11 80,351
75-79 156.8 23.1 151.4 46 311,422 1,512 10,595,573 29 205,629
80-84 152.3 16.6 147.8 84 566,294 1,576 10,950,585 55 383,047
85-89 130.0 13.6 131.3 91 633,659 1,037 7,149,606 70 482,469
90+ 97.1 10.7 98.4 83 570,022 584 3,971,479 85 579,222
Total 132.1 7.2 132.1 337 2,321,832 6,262 43,619,884 255 1,757,583
GRAND TOTAL 128.0 6.4 127.4 395 2,721,485 10,585 74,054,646 309 2,135,571

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.32     FEMALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 107.8 62.3 128.2 3 62,792 392 6,923,849 3 48,974
2 99.5 57.5 98.1 3 51,153 372 6,366,584 3 52,130
3 65.3 46.2 68.1 2 34,446 350 5,811,612 3 50,559
4 80.6 46.5 68.0 3 42,710 356 5,945,922 4 62,815
5 76.7 44.3 64.2 3 44,161 327 5,546,042 4 68,768
6 136.2 60.9 129.8 5 85,713 279 4,704,806 4 66,020
7 29.9 29.9 96.9 1 59,855 259 4,366,156 3 61,791
8 84.7 48.9 67.1 3 44,602 242 4,090,728 4 66,437
9 48.3 34.1 85.7 2 67,697 247 4,194,926 4 78,957
10 155.1 58.6 164.6 7 142,497 250 4,294,726 5 86,553
11+ 0 0 0 0 0 0
Total 89.6 15.8 98.9 32 635,626 3,075 52,245,351 36 643,003
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0 0 0 0 0 0
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 16 338,230 0 454
50-54 0.0 0.0 0.0 0 0 156 2,369,049 0 6,808
55-59 200.3 100.2 200.3 4 68,846 466 8,111,491 2 34,364
60-64 118.4 41.9 137.4 8 158,354 1,013 17,323,578 7 115,279
65-69 70.9 29.0 60.3 6 81,818 836 13,341,578 8 135,705
70-74 73.8 36.9 121.2 4 116,236 305 5,301,846 5 95,890
75-79 89.8 40.2 127.8 5 121,964 171 2,975,522 6 95,444
80-84 68.8 34.4 55.3 4 75,733 98 2,215,662 6 136,943
85-89 81.5 81.5 57.3 1 12,675 14 268,394 1 22,116
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 89.6 15.8 98.9 32 635,626 3,075 52,245,351 36 643,003
Ultimate Experience By Attained Age
18-59 0.0 0.0 0.0 0 0 8 128,920 0 403
60-64 0.0 0.0 0.0 0 0 90 1,496,175 0 7,206
65-69 177.2 88.6 283.5 4 104,056 304 4,964,109 2 36,700
70-74 136.6 43.2 120.8 10 142,080 606 9,711,105 7 117,608
75-79 174.6 30.9 146.2 32 497,864 944 17,350,428 18 340,430
80-84 116.8 18.9 110.0 38 740,613 932 19,259,581 33 673,187
85-89 95.3 15.1 88.2 40 747,671 616 12,513,776 42 847,678
90+ 114.0 15.4 120.4 55 1,209,670 339 7,080,733 48 1,004,472
Total 118.5 8.9 113.7 179 3,441,954 3,839 72,504,828 151 3,027,685
GRAND TOTAL 112.9 7.8 111.1 211 4,077,580 6,914 124,750,179 187 3,670,688

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.33     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 15.1 15.1 20.2 1 840 537 331,651 7 4,157
2 110.6 36.9 111.4 9 6,154 604 376,532 8 5,525
3 216.3 48.4 192.0 20 12,123 648 403,678 9 6,313
4 110.8 32.0 102.0 12 7,459 668 420,653 11 7,311
5 92.4 27.8 92.6 11 7,433 671 425,200 12 8,031
6 133.5 32.4 120.0 17 10,219 681 429,699 13 8,516
7 66.8 21.1 58.5 10 5,939 717 454,759 15 10,151
8 132.2 26.4 127.4 25 16,542 786 498,111 19 12,986
9 103.7 21.2 101.5 24 15,938 924 569,636 23 15,700
10 161.3 23.5 155.4 47 29,946 1,088 656,316 29 19,270
11+ 0 0 0 0 0 0
Total 120.8 9.1 114.9 176 112,593 7,323 4,566,236 146 97,959
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 30 13,065 0 3
20-24 0.0 0.0 0.0 0 0 21 13,797 0 4
25-29 0.0 0.0 0.0 0 0 78 35,272 0 11
30-34 0.0 0.0 0.0 0 0 57 33,604 0 15
35-39 0.0 0.0 0.0 0 0 53 30,209 0 21
40-44 0.0 0.0 0.0 0 0 74 48,648 0 54
45-49 367.7 367.7 333.3 1 421 155 71,911 0 126
50-54 111.9 111.9 34.7 1 173 304 172,612 1 498
55-59 84.5 48.8 100.2 3 1,990 794 439,206 4 1,987
60-64 123.0 41.0 111.1 9 5,084 1,025 646,918 7 4,576
65-69 114.1 20.5 102.1 31 17,150 2,266 1,401,457 27 16,793
70-74 156.7 25.8 155.2 37 23,919 1,214 789,430 24 15,416
75-79 127.0 22.4 115.6 32 20,428 623 433,652 25 17,668
80-84 98.7 19.0 96.9 27 19,157 372 259,983 27 19,764
85-89 119.0 21.7 115.8 30 20,091 225 152,872 25 17,349
90-94 108.4 48.5 114.1 5 4,180 31 23,570 5 3,664
95-99 0 0 0 0 0 0
100+ 0.0 0.0 0.0 0 0 1 30 0 9
Total 120.8 9.1 114.9 176 112,593 7,323 4,566,236 146 97,959
Ultimate Experience By Attained Age
18-59 113.4 65.5 163.6 3 2,037 1,424 632,579 3 1,245
60-64 119.6 48.8 93.9 6 2,585 1,108 608,470 5 2,753
65-69 92.1 25.5 102.9 13 7,984 1,926 1,058,249 14 7,758
70-74 124.6 17.3 110.6 52 25,681 3,426 1,905,216 42 23,221
75-79 139.2 9.8 139.0 202 115,798 7,252 4,155,404 145 83,311
80-84 135.0 5.6 135.0 575 339,249 11,770 6,935,557 426 251,222
85-89 118.8 3.4 119.8 1,248 729,782 14,663 8,529,556 1,051 609,272
90+ 88.7 1.6 91.7 3,082 1,666,947 18,289 9,908,813 3,476 1,817,701
Total 100.4 1.4 103.3 5,181 2,890,063 59,859 33,733,843 5,161 2,796,484
GRAND TOTAL 100.9 1.4 103.7 5,357 3,002,656 67,182 38,300,079 5,307 2,894,443

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.34     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 60.8 11.7 60.7 27 76,641 2,551 7,161,435 44 126,346
2 84.5 12.3 88.4 47 139,266 2,793 7,797,144 56 157,599
3 93.9 11.6 94.3 65 184,352 3,138 8,738,059 69 195,521
4 95.1 10.9 93.1 76 208,363 3,274 9,056,731 80 223,730
5 91.5 10.2 96.8 81 238,680 3,297 9,028,439 89 246,581
6 76.5 8.9 78.6 74 208,650 3,279 8,899,672 97 265,545
7 104.1 9.8 100.6 113 295,797 3,292 8,832,856 109 294,058
8 93.5 8.7 95.7 115 319,081 3,381 8,993,183 123 333,276
9 114.8 9.0 107.8 163 413,302 3,586 9,481,865 142 383,510
10 109.7 8.2 112.2 180 496,594 3,956 10,487,399 164 442,584
11+ 0 0 0 0 0 0
Total 96.8 3.2 96.7 941 2,580,726 32,546 88,476,782 972 2,668,751
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 25 99,816 0 21
20-24 0.0 0.0 0.0 0 0 59 161,510 0 41
25-29 0.0 0.0 0.0 0 0 57 155,423 0 58
30-34 0.0 0.0 0.0 0 0 31 65,242 0 35
35-39 0.0 0.0 0.0 0 0 122 356,379 0 288
40-44 507.2 507.2 204.4 1 1,200 181 543,825 0 587
45-49 938.8 383.3 923.6 6 14,342 363 867,942 1 1,553
50-54 290.1 109.6 326.9 7 20,207 859 2,219,701 2 6,181
55-59 133.4 38.5 130.6 12 31,691 1,988 5,350,309 9 24,268
60-64 140.5 23.8 146.7 35 91,856 3,443 8,686,038 25 62,628
65-69 99.9 10.5 102.7 91 239,593 7,822 19,948,660 91 233,406
70-74 104.5 8.8 99.5 140 380,123 6,507 18,523,395 134 382,031
75-79 95.5 6.8 95.1 197 565,403 5,349 15,603,557 206 594,788
80-84 93.3 5.8 93.2 258 719,119 3,979 11,252,462 277 771,291
85-89 92.6 7.2 94.7 165 435,755 1,504 3,937,627 178 460,043
90-94 54.7 11.4 56.6 23 66,276 233 650,276 42 117,124
95-99 107.5 43.9 113.1 6 15,161 21 51,444 6 13,405
100+ 0.0 0.0 0.0 0 0 3 3,177 1 1,002
Total 96.8 3.2 96.7 941 2,580,726 32,546 88,476,782 972 2,668,751
Ultimate Experience By Attained Age
18-59 189.5 59.9 201.5 10 27,480 2,770 7,305,156 5 13,635
60-64 276.5 55.3 296.3 25 67,062 2,006 5,017,778 9 22,636
65-69 154.0 24.0 165.1 41 111,898 3,595 9,148,656 27 67,789
70-74 162.7 13.6 171.9 144 379,509 7,217 18,015,783 89 220,712
75-79 141.6 6.7 139.6 446 1,076,900 15,764 38,574,388 315 771,423
80-84 130.6 3.6 132.0 1,320 3,253,069 27,802 67,889,606 1,011 2,465,314
85-89 121.3 2.2 120.8 2,962 7,057,307 34,379 82,399,136 2,443 5,840,933
90+ 93.7 1.3 93.2 5,316 12,327,003 33,654 79,000,714 5,671 13,222,855
Total 107.3 1.1 107.4 10,264 24,300,228 127,188 307,351,216 9,569 22,625,295
GRAND TOTAL 106.3 1.0 106.3 11,205 26,880,954 159,735 395,827,998 10,541 25,294,045

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.35     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 75.2 13.7 75.3 30 217,197 1,929 13,887,732 40 288,529
2 71.8 12.3 71.0 34 243,568 1,999 14,399,173 47 343,108
3 76.0 11.5 79.5 44 333,649 2,143 15,447,340 58 419,527
4 87.9 11.6 85.9 57 403,002 2,176 15,692,035 65 469,001
5 89.9 11.4 87.6 62 436,826 2,119 15,289,928 69 498,582
6 108.9 12.4 109.5 77 557,290 1,976 14,228,279 71 508,890
7 104.1 12.1 100.7 74 510,998 1,835 13,138,594 71 507,639
8 102.2 11.8 102.6 75 537,999 1,751 12,513,989 73 524,499
9 111.2 11.7 112.3 91 653,187 1,789 12,762,689 82 581,725
10 101.2 10.6 100.9 92 646,973 1,863 13,230,870 91 640,911
11+ 0 0 0 0 0 0
Total 95.4 3.8 94.9 636 4,540,689 19,581 140,590,629 667 4,782,412
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 5 29,438 0 5
15-19 0.0 0.0 0.0 0 0 2 10,122 0 2
20-24 0.0 0.0 0.0 0 0 22 154,950 0 41
25-29 5963.4 5963.4 4884.4 1 5,171 44 274,851 0 106
30-34 0.0 0.0 0.0 0 0 39 273,011 0 161
35-39 2040.4 2040.4 2137.4 1 6,900 62 413,708 0 323
40-44 897.5 897.5 1304.8 1 9,620 97 637,375 0 737
45-49 212.4 212.4 217.0 1 7,200 255 1,778,588 0 3,318
50-54 188.8 109.0 218.1 3 23,425 575 3,882,720 2 10,740
55-59 147.9 55.9 142.0 7 46,246 1,093 7,527,559 5 32,569
60-64 178.9 36.5 182.7 24 171,190 1,905 13,287,496 13 93,699
65-69 107.2 16.9 102.8 40 274,482 3,240 23,108,872 37 266,973
70-74 105.6 12.7 101.4 69 494,385 3,373 25,160,774 65 487,775
75-79 101.8 8.1 101.0 158 1,149,147 4,245 31,482,306 155 1,137,682
80-84 85.8 6.4 86.5 178 1,246,087 3,121 21,793,515 207 1,440,533
85-89 89.2 7.8 88.7 130 925,595 1,307 9,312,718 146 1,043,106
90-94 75.9 15.8 78.0 23 181,241 178 1,351,513 30 232,253
95-99 0.0 0.0 0.0 0 0 18 111,112 5 32,389
100+ 0 0 0 0 0 0
Total 95.4 3.8 94.9 636 4,540,689 19,581 140,590,629 667 4,782,412
Ultimate Experience By Attained Age
18-59 146.4 73.2 131.6 4 24,728 1,482 10,122,988 3 18,784
60-64 172.9 61.1 168.2 8 54,151 1,026 7,146,977 5 32,204
65-69 146.2 35.5 150.3 17 122,545 1,581 11,085,537 12 81,557
70-74 145.4 21.4 147.5 46 331,276 2,617 18,561,972 32 224,583
75-79 136.7 11.9 135.9 131 914,120 4,800 33,733,112 96 672,684
80-84 128.7 6.5 128.0 392 2,670,453 8,399 57,646,378 304 2,086,167
85-89 111.0 4.0 110.5 784 5,306,678 9,951 67,685,998 706 4,802,255
90+ 98.0 2.5 98.3 1,522 10,493,388 9,607 65,913,322 1,554 10,675,679
Total 107.1 2.0 107.1 2,904 19,917,339 39,464 271,896,283 2,711 18,593,913
GRAND TOTAL 104.8 1.8 104.6 3,540 24,458,028 59,044 412,486,912 3,378 23,376,324

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 6.36     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 49.1 8.2 39.8 36 914,909 2,682 90,255,831 73 2,296,254
2 66.9 8.9 55.3 56 1,417,791 2,715 89,061,746 84 2,563,634
3 82.3 9.1 60.8 81 1,843,926 2,893 95,327,600 98 3,030,652
4 94.0 9.4 84.6 101 2,816,038 2,900 94,644,843 107 3,329,590
5 81.1 8.7 69.4 87 2,330,505 2,763 90,371,998 107 3,356,251
6 83.2 8.8 69.9 90 2,311,555 2,542 78,624,323 108 3,307,714
7 64.7 7.7 41.3 70 1,430,067 2,332 74,472,274 108 3,459,764
8 80.0 8.5 68.8 89 2,506,287 2,189 69,086,025 111 3,643,441
9 77.4 8.2 57.0 89 2,100,264 2,066 62,963,082 115 3,687,809
10 80.1 8.2 68.1 95 2,508,027 1,978 57,957,454 119 3,685,122
11+ 0 0 0 0 0 0
Total 77.0 2.7 62.4 794 20,179,369 25,060 802,765,176 1,031 32,360,231
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 3 95,940 0 18
15-19 0.0 0.0 0.0 0 0 26 1,125,462 0 271
20-24 0.0 0.0 0.0 0 0 28 735,530 0 213
25-29 0.0 0.0 0.0 0 0 49 1,526,269 0 565
30-34 0.0 0.0 0.0 0 0 59 3,569,018 0 1,830
35-39 2259.2 2259.2 1025.7 1 12,532 63 1,763,065 0 1,222
40-44 548.9 548.9 795.1 1 34,777 150 3,595,167 0 4,374
45-49 419.8 296.9 351.8 2 44,494 289 8,328,675 0 12,648
50-54 188.4 108.8 253.1 3 91,897 594 14,427,664 2 36,306
55-59 216.1 65.2 172.6 11 193,371 1,157 25,930,424 5 112,023
60-64 74.4 23.5 52.1 10 191,996 1,961 55,348,601 13 368,237
65-69 73.7 15.4 73.8 23 592,125 2,784 71,706,243 31 802,123
70-74 60.4 8.9 42.5 46 1,126,826 3,918 141,384,887 76 2,648,257
75-79 77.7 6.1 62.7 161 4,561,409 5,749 213,426,328 207 7,271,752
80-84 71.8 4.4 49.0 262 6,210,049 5,503 191,909,523 365 12,682,614
85-89 84.1 5.9 80.2 202 4,684,302 2,220 53,789,492 240 5,842,882
90-94 77.0 9.5 93.0 66 2,246,128 488 13,491,632 86 2,414,071
95-99 104.3 46.7 107.4 5 164,171 19 585,964 5 152,854
100+ 317.4 317.4 317.4 1 25,292 1 25,292 0 7,969
Total 77.0 2.7 62.4 794 20,179,369 25,060 802,765,176 1,031 32,360,231
Ultimate Experience By Attained Age
18-59 496.9 143.4 643.0 12 347,993 1,330 31,661,616 2 54,119
60-64 250.0 83.3 206.5 9 139,078 800 14,947,444 4 67,360
65-69 218.3 51.5 203.0 18 335,034 1,126 22,391,126 8 165,022
70-74 173.1 28.5 173.6 37 712,331 1,760 33,928,304 21 410,365
75-79 108.6 13.5 124.8 65 1,445,365 3,017 58,515,445 60 1,158,409
80-84 103.7 7.7 104.6 183 3,706,438 4,900 99,628,577 177 3,543,951
85-89 101.2 4.9 96.9 426 8,191,282 5,945 119,354,856 421 8,453,184
90+ 94.0 3.0 94.2 989 22,047,751 6,418 143,318,619 1,052 23,398,676
Total 99.7 2.4 99.1 1,739 36,925,272 25,296 523,745,987 1,745 37,251,087
GRAND TOTAL 91.2 1.8 82.0 2,533 57,104,641 50,356 1,326,511,163 2,776 69,611,318

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.1     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 210.3 48.2 248.8 19 194,084 2,910 25,013,785 9 78,007
60-64 114.3 21.6 92.9 28 197,163 4,262 36,244,019 25 212,317
65-69 72.8 10.0 53.6 53 276,944 8,585 59,516,140 73 516,622
70-74 79.1 9.7 56.2 66 453,634 6,381 59,900,438 83 806,921
75-79 68.6 9.4 28.1 53 365,480 3,443 57,340,154 77 1,301,410
80-84 48.5 6.5 29.1 55 463,190 2,921 40,829,923 113 1,592,885
85-89 53.5 7.1 68.7 57 935,034 1,424 17,671,139 106 1,361,642
90+ 39.4 8.8 26.7 20 320,830 351 7,309,848 51 1,201,599
Total 65.3 3.5 45.3 351 3,206,359 30,277 303,825,447 538 7,071,402

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.2     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 2
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 225.7 51.8 199.1 19 135,514 2,727 22,195,156 8 68,055
60-64 105.9 21.6 76.0 24 139,219 3,905 31,310,074 23 183,274
65-69 100.1 12.1 86.9 69 408,529 8,001 54,129,047 69 470,109
70-74 81.4 9.2 52.6 78 430,369 7,145 59,039,955 96 817,805
75-79 65.2 9.0 38.9 53 524,548 3,629 57,983,118 81 1,348,187
80-84 64.5 6.8 46.3 89 880,375 3,509 47,752,429 138 1,901,673
85-89 70.8 7.3 63.5 94 1,026,684 1,744 21,231,192 133 1,616,437
90+ 63.3 9.3 67.0 46 1,098,150 492 9,740,221 73 1,638,553
Total 76.1 3.5 57.7 472 4,643,388 31,152 303,381,193 620 8,044,092

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.3     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 3
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 206.9 51.7 484.7 16 282,562 2,523 19,402,956 8 58,300
60-64 97.3 21.2 42.3 21 68,712 3,674 27,355,413 22 162,409
65-69 124.2 13.2 117.4 89 551,276 8,036 53,322,229 72 469,372
70-74 121.8 10.7 142.8 130 1,214,883 7,677 59,764,248 107 850,800
75-79 77.3 9.3 48.7 69 720,838 3,925 61,205,190 89 1,481,317
80-84 82.1 7.1 60.4 134 1,282,986 4,060 52,862,611 163 2,123,726
85-89 82.0 7.2 55.4 131 1,117,494 2,099 27,745,595 160 2,018,245
90+ 82.3 9.2 81.3 80 1,590,825 655 11,605,805 97 1,957,669
Total 93.5 3.6 74.9 670 6,829,576 32,651 313,264,048 717 9,121,839

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.4     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 4
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 210.8 54.4 197.1 15 101,838 2,293 17,023,177 7 51,655
60-64 136.0 26.2 90.4 27 129,410 3,338 23,911,181 20 143,111
65-69 117.6 12.6 80.1 87 376,551 7,962 52,187,052 74 469,895
70-74 113.9 10.3 69.5 122 574,595 7,517 57,732,459 107 826,524
75-79 82.3 9.3 39.7 79 561,088 4,269 58,885,820 96 1,412,853
80-84 94.5 7.3 68.9 167 1,669,836 4,336 59,106,424 177 2,422,861
85-89 93.0 7.3 78.5 163 1,761,045 2,304 30,336,706 175 2,243,074
90+ 98.8 9.1 109.2 119 2,414,500 801 13,213,597 120 2,210,581
Total 100.3 3.6 77.6 779 7,588,863 32,819 312,396,416 776 9,780,554

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.5     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 5
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 240.6 64.3 194.9 14 84,461 1,872 14,389,951 6 43,340
60-64 184.2 33.1 162.5 31 193,954 2,849 19,882,040 17 119,377
65-69 135.5 14.1 109.6 92 459,551 7,123 45,844,655 68 419,455
70-74 111.8 10.1 73.0 123 548,114 7,669 51,930,673 110 750,638
75-79 89.7 9.5 60.3 90 812,484 4,516 56,046,332 100 1,347,782
80-84 97.3 7.5 99.1 167 2,507,100 4,187 61,926,092 172 2,529,267
85-89 93.0 6.8 73.8 186 1,868,891 2,653 34,273,523 200 2,533,207
90+ 70.6 7.2 62.4 97 1,319,322 921 12,856,620 137 2,113,390
Total 98.7 3.5 79.1 800 7,793,877 31,789 297,149,886 810 9,856,457

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.6     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 6
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 135.8 60.7 115.8 5 33,222 1,306 10,449,791 4 28,701
60-64 200.7 39.4 133.5 26 121,417 2,303 15,488,652 13 90,935
65-69 109.7 17.6 77.4 39 200,478 4,152 29,540,878 36 258,940
70-74 126.7 9.7 111.9 170 837,995 9,599 52,347,430 134 748,770
75-79 96.6 9.6 60.9 101 671,855 4,762 47,581,756 105 1,103,616
80-84 105.6 8.2 160.1 167 3,825,383 3,905 57,405,933 158 2,389,791
85-89 81.7 6.1 68.6 181 1,962,218 2,984 38,328,894 221 2,861,854
90+ 84.4 7.2 123.8 138 2,784,918 1,083 13,851,129 164 2,248,961
Total 99.2 3.4 107.3 827 10,437,486 30,093 264,994,462 834 9,731,568

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.7     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 7
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 317.7 100.5 324.3 10 76,079 1,138 8,982,882 3 23,460
60-64 224.4 44.9 113.3 25 80,189 1,960 12,230,393 11 70,803
65-69 129.0 20.2 198.8 41 423,341 3,669 23,988,318 32 212,959
70-74 120.2 10.5 92.9 132 564,788 7,844 42,866,408 110 607,841
75-79 102.3 8.7 79.6 138 875,568 6,313 48,726,055 135 1,100,394
80-84 99.0 8.1 62.9 149 1,317,192 3,710 50,114,407 151 2,093,596
85-89 89.2 6.2 52.1 210 1,670,389 3,119 42,364,487 235 3,207,887
90+ 75.5 6.4 67.5 138 1,528,109 1,195 14,915,679 183 2,264,871
Total 98.1 3.4 68.2 843 6,535,655 28,948 244,188,630 859 9,581,810

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.8     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 8
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 396.9 119.7 225.9 11 45,631 1,009 7,909,701 3 20,200
60-64 182.4 43.0 166.2 18 96,242 1,710 10,081,371 10 57,912
65-69 180.6 24.6 183.9 54 331,752 3,405 20,298,610 30 180,359
70-74 128.8 10.8 140.1 143 767,986 7,591 37,923,502 111 548,296
75-79 96.4 7.9 68.2 148 739,334 6,926 46,897,421 154 1,083,958
80-84 95.1 8.0 49.9 141 996,977 3,616 46,467,611 148 1,997,184
85-89 81.0 5.7 54.2 202 1,831,789 3,251 43,415,150 249 3,381,827
90+ 89.1 6.5 93.3 189 2,469,834 1,377 17,933,553 212 2,646,584
Total 98.8 3.3 73.4 906 7,279,545 28,885 230,926,919 917 9,916,320

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.9     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 9
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 344.3 114.8 436.2 9 76,988 938 7,419,607 3 17,650
60-64 198.8 46.9 205.2 18 100,994 1,540 8,359,686 9 49,227
65-69 150.0 22.4 108.6 45 172,794 3,349 17,893,297 30 159,124
70-74 136.2 10.5 147.4 167 797,174 7,926 36,178,956 123 540,657
75-79 120.0 7.8 102.7 235 1,179,915 8,259 48,332,894 196 1,149,381
80-84 95.4 7.8 91.1 149 1,654,379 3,821 41,384,447 156 1,816,422
85-89 94.6 5.9 55.0 256 1,939,954 3,469 43,923,514 271 3,527,744
90+ 92.8 6.1 73.5 235 2,250,451 1,638 20,478,463 253 3,063,100
Total 107.1 3.2 79.2 1,114 8,172,649 30,941 223,970,864 1,040 10,323,304

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.10     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 10
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 227.3 92.8 355.7 6 62,945 964 7,869,127 3 17,698
60-64 231.5 51.8 222.0 20 94,806 1,430 7,069,897 9 42,703
65-69 227.1 27.7 277.8 67 404,274 3,261 16,323,843 30 145,520
70-74 116.8 9.5 106.3 151 587,558 8,093 35,793,678 129 552,683
75-79 122.4 7.5 94.5 267 1,065,221 8,970 45,987,597 218 1,127,423
80-84 110.1 7.5 63.6 218 1,122,115 5,015 41,240,632 198 1,763,909
85-89 96.4 6.0 68.3 262 2,215,535 3,502 40,201,728 272 3,242,548
90+ 94.3 5.6 81.2 288 3,011,677 2,003 25,181,365 305 3,708,771
Total 109.9 3.1 80.8 1,279 8,564,131 33,238 219,667,867 1,163 10,601,255

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.11     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 234.1 21.0 268.6 124 1,093,324 17,679 140,656,133 53 407,067
60-64 151.5 9.8 108.0 238 1,222,106 26,970 191,932,726 157 1,132,068
65-69 124.2 4.9 109.2 636 3,605,490 57,543 373,044,070 512 3,302,353
70-74 115.5 3.2 96.1 1,282 6,777,096 77,443 493,477,748 1,110 7,050,936
75-79 98.6 2.8 60.3 1,233 7,516,331 55,011 528,986,337 1,251 12,456,321
80-84 91.2 2.4 76.2 1,436 15,719,533 39,080 499,090,511 1,574 20,631,313
85-89 86.1 2.1 62.8 1,742 16,329,033 26,550 339,491,927 2,023 25,994,466
90+ 84.6 2.3 81.5 1,350 18,788,616 10,516 147,086,281 1,596 23,054,078
Total 97.2 1.1 75.6 8,041 71,051,529 310,792 2,713,765,732 8,275 94,028,602

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.12     TOTAL EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 182.3 17.6 247.9 107 815,515 18,996 118,519,988 59 328,956
60-64 180.0 13.6 176.9 176 913,585 16,028 84,706,576 98 516,334
65-69 150.9 7.0 177.6 459 2,735,003 33,549 168,813,774 304 1,539,834
70-74 131.7 3.5 119.6 1,410 5,991,364 72,411 335,642,227 1,070 5,007,413
75-79 127.6 1.8 120.3 5,297 21,239,671 166,684 703,317,720 4,152 17,650,942
80-84 119.2 1.0 113.4 14,979 57,813,420 282,636 1,134,373,566 12,571 50,992,999
85-89 108.5 0.6 103.3 29,738 107,286,616 330,521 1,240,327,839 27,419 103,824,951
90+ 95.6 0.4 93.2 51,487 174,184,140 305,042 1,073,476,903 53,883 186,871,965
Total 104.1 0.3 101.2 103,653 370,979,314 1,225,867 4,859,178,592 99,555 366,733,395

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.13     MALE EXPERIENCE--SINGLE LIFE--DURATION 1
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 269.6 69.6 265.3 15 132,360 1,349 12,097,629 6 49,892
60-64 117.5 28.5 88.6 17 112,358 1,980 17,172,809 14 126,835
65-69 68.4 12.5 38.7 30 124,306 4,457 31,750,312 44 321,069
70-74 88.3 14.5 72.4 37 306,044 2,700 26,490,445 42 422,469
75-79 79.1 15.5 29.5 26 192,152 1,165 23,511,085 33 652,329
80-84 48.9 10.4 30.7 22 176,034 896 11,084,024 45 572,709
85-89 60.3 11.8 72.8 26 404,166 474 5,691,478 43 554,980
90+ 50.5 15.2 12.6 11 90,919 126 3,673,620 22 721,514
Total 74.0 5.5 45.0 184 1,538,339 13,147 131,471,403 249 3,421,796

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.14     MALE EXPERIENCE--SINGLE LIFE--DURATION 2
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 237.1 68.4 236.9 12 101,442 1,232 10,447,202 5 42,813
60-64 98.3 27.3 72.0 13 77,219 1,796 14,532,220 13 107,237
65-69 96.9 15.1 97.6 41 284,700 4,222 28,826,024 42 291,589
70-74 78.1 12.5 41.1 39 188,767 3,134 28,251,894 50 458,731
75-79 60.9 13.3 29.3 21 204,788 1,218 24,514,549 34 698,197
80-84 71.3 11.6 41.1 38 291,105 1,043 13,732,929 53 707,895
85-89 77.5 12.4 52.8 39 326,710 526 6,353,612 50 619,125
90+ 70.8 15.5 64.7 21 630,631 165 4,779,387 30 974,228
Total 80.5 5.4 54.0 224 2,105,362 13,336 131,437,815 278 3,899,816

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.15     MALE EXPERIENCE--SINGLE LIFE--DURATION 3
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 154.6 58.4 410.0 7 144,907 1,100 8,686,598 5 35,344
60-64 103.7 28.8 42.0 13 41,145 1,682 13,179,570 13 97,886
65-69 133.6 17.4 139.4 59 399,723 4,242 27,758,530 44 286,654
70-74 141.5 15.9 191.8 79 920,016 3,370 28,756,268 56 479,714
75-79 67.7 13.3 48.3 26 389,298 1,333 27,088,895 38 805,263
80-84 80.2 11.2 51.3 51 423,121 1,207 15,748,932 64 824,871
85-89 94.6 13.0 68.5 53 417,139 572 6,285,221 56 608,844
90+ 86.0 15.2 81.4 32 925,213 203 5,576,387 37 1,137,015
Total 102.5 5.7 85.6 320 3,660,562 13,709 133,080,401 312 4,275,591

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.16     MALE EXPERIENCE--SINGLE LIFE--DURATION 4
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 193.4 68.4 239.8 8 75,780 992 7,667,728 4 31,600
60-64 121.5 32.5 59.4 14 51,885 1,527 11,695,860 12 87,284
65-69 134.0 17.2 82.2 61 236,437 4,177 27,147,868 46 287,576
70-74 124.5 14.9 80.1 70 354,515 3,310 26,313,405 56 442,430
75-79 110.2 15.9 36.9 48 280,260 1,549 26,237,883 44 758,788
80-84 93.4 11.8 47.6 63 518,333 1,256 21,447,572 67 1,087,918
85-89 89.9 12.3 69.7 53 473,239 599 7,120,010 59 679,012
90+ 92.7 14.7 103.0 40 1,129,004 233 5,425,473 43 1,095,887
Total 108.0 5.7 69.8 357 3,119,453 13,642 133,055,799 330 4,470,497

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.17     MALE EXPERIENCE--SINGLE LIFE--DURATION 5
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 293.1 92.7 213.6 10 57,438 815 6,484,927 3 26,885
60-64 209.3 46.8 152.5 20 111,890 1,261 9,738,065 10 73,376
65-69 139.3 18.3 112.9 58 279,993 3,704 22,854,758 42 248,063
70-74 129.6 14.7 81.0 78 351,858 3,578 26,012,643 60 434,213
75-79 99.7 14.5 55.9 47 434,661 1,712 26,382,091 47 777,053
80-84 96.7 12.2 85.3 63 990,345 1,215 22,552,031 65 1,160,561
85-89 110.7 12.7 98.0 76 729,953 706 7,990,394 69 744,811
90+ 62.3 11.4 68.4 30 682,099 259 4,986,888 48 997,233
Total 111.1 5.7 81.5 382 3,638,237 13,250 127,001,797 344 4,462,196

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.18     MALE EXPERIENCE--SINGLE LIFE--DURATION 6
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 89.4 63.2 112.8 2 19,863 584 4,553,474 2 17,613
60-64 185.6 51.5 122.4 13 66,609 951 7,312,437 7 54,416
65-69 98.6 22.6 63.0 19 93,076 1,885 14,210,040 19 147,648
70-74 139.3 13.2 111.6 111 511,696 4,998 27,849,499 80 458,620
75-79 113.1 15.0 69.2 57 407,455 1,872 20,427,236 50 588,756
80-84 113.5 13.8 242.1 68 2,896,723 1,147 23,802,156 60 1,196,676
85-89 81.1 10.6 74.1 58 689,532 761 10,027,391 72 930,743
90+ 99.8 12.8 151.7 61 1,465,260 335 4,776,237 61 965,743
Total 110.8 5.6 141.1 389 6,150,214 12,534 112,958,470 351 4,360,216

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.19     MALE EXPERIENCE--SINGLE LIFE--DURATION 7
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 376.3 142.2 493.0 7 67,500 495 3,669,165 2 13,693
60-64 289.8 70.3 120.9 17 47,653 793 5,321,344 6 39,403
65-69 167.4 31.1 287.2 29 363,948 1,680 12,179,692 17 126,726
70-74 120.1 13.3 99.3 82 371,991 4,266 22,957,148 68 374,710
75-79 116.1 13.1 86.0 79 509,881 2,610 21,612,177 68 592,636
80-84 104.5 13.4 69.0 61 713,224 1,109 20,139,968 58 1,033,216
85-89 92.7 11.0 42.6 71 477,801 798 12,164,778 77 1,121,026
90+ 66.1 10.2 88.2 42 695,370 335 3,955,195 64 788,432
Total 107.8 5.5 79.4 388 3,247,368 12,086 101,999,468 360 4,089,842

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.20     MALE EXPERIENCE--SINGLE LIFE--DURATION 8
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 426.8 161.3 245.1 7 31,904 449 3,679,765 2 13,016
60-64 248.6 68.9 185.6 13 57,437 699 4,156,245 5 30,940
65-69 135.5 28.9 122.7 22 129,980 1,544 10,137,338 16 105,955
70-74 122.6 13.2 143.1 86 482,207 4,150 20,079,957 70 336,972
75-79 92.0 10.8 56.4 72 336,442 2,880 21,339,898 78 596,407
80-84 95.0 12.7 44.0 56 453,004 1,118 19,559,933 59 1,028,914
85-89 71.9 9.5 40.2 57 522,207 807 13,576,108 79 1,300,523
90+ 84.9 11.1 78.0 59 583,024 360 3,758,341 69 747,058
Total 98.1 5.1 62.4 372 2,596,205 12,006 96,287,584 379 4,159,784

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.21     MALE EXPERIENCE--SINGLE LIFE--DURATION 9
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 253.0 126.5 372.4 4 40,584 424 3,321,199 2 10,898
60-64 210.0 66.4 250.9 10 67,305 626 3,563,326 5 26,826
65-69 154.7 30.9 138.9 25 124,879 1,501 8,472,021 16 89,908
70-74 141.9 13.4 152.1 112 514,930 4,394 19,444,928 79 338,474
75-79 132.3 11.4 108.7 135 674,869 3,515 21,649,381 102 621,000
80-84 92.7 12.1 86.7 59 858,704 1,218 18,457,438 64 990,429
85-89 99.6 10.6 50.2 88 699,832 887 14,110,621 88 1,393,718
90+ 95.9 11.0 88.2 76 737,345 407 4,332,207 79 835,875
Total 117.1 5.2 86.3 509 3,718,448 12,972 93,351,121 435 4,307,129

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.22     MALE EXPERIENCE--SINGLE LIFE--DURATION 10
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 127.6 90.2 179.7 2 19,025 432 3,601,463 2 10,588
60-64 234.2 70.6 240.3 11 58,893 608 3,196,842 5 24,509
65-69 270.3 41.2 363.2 43 289,861 1,455 7,418,945 16 79,807
70-74 127.5 12.4 105.3 106 366,850 4,432 19,248,547 83 348,430
75-79 123.9 10.3 97.1 146 604,614 4,017 21,163,091 118 622,756
80-84 103.9 11.1 41.4 87 382,802 1,680 17,368,816 84 925,343
85-89 85.6 9.8 39.9 76 535,804 903 13,494,488 89 1,343,359
90+ 95.3 10.2 115.1 87 1,133,869 483 5,404,072 91 984,946
Total 114.6 4.9 78.2 558 3,391,718 14,010 90,896,265 487 4,339,738

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.23     MALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 234.3 27.2 273.8 74 690,803 7,873 64,209,149 32 252,342
60-64 158.7 13.4 103.5 141 692,394 11,922 89,868,718 89 668,712
65-69 128.0 6.5 117.2 387 2,326,903 28,867 190,755,530 302 1,984,996
70-74 124.2 4.4 106.7 800 4,368,874 38,330 245,404,732 644 4,094,764
75-79 107.2 4.2 60.1 657 4,034,420 21,871 233,926,286 613 6,713,184
80-84 91.7 3.8 80.8 568 7,703,395 11,889 183,893,799 619 9,528,532
85-89 87.6 3.6 56.8 597 5,276,383 7,033 96,814,103 682 9,296,142
90+ 84.3 3.9 87.3 459 8,072,734 2,905 46,667,807 545 9,247,932
Total 104.5 1.7 79.4 3,683 33,165,906 130,691 1,151,540,123 3,526 41,786,604

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.24     MALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 160.1 19.4 173.1 68 395,479 10,721 63,848,694 42 228,499
60-64 154.6 15.5 150.5 99 505,111 8,610 44,900,492 64 335,548
65-69 150.6 9.1 170.7 273 1,621,292 17,058 89,357,053 181 949,940
70-74 128.3 4.5 106.4 805 3,303,528 36,267 179,864,637 627 3,105,209
75-79 125.7 2.2 115.4 3,155 12,858,589 84,808 377,207,666 2,510 11,141,802
80-84 119.5 1.3 111.5 8,270 33,606,707 127,790 557,891,330 6,923 30,143,907
85-89 105.8 0.9 100.2 13,966 54,674,088 131,327 546,558,612 13,205 54,574,684
90+ 95.0 0.7 89.6 20,720 73,686,945 107,054 411,376,193 21,818 82,221,789
Total 104.4 0.5 98.9 47,356 180,651,739 523,635 2,271,004,677 45,371 182,701,378

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.25     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 115.3 57.6 219.5 4 61,724 1,560 12,916,157 3 28,115
60-64 109.6 33.0 99.2 11 84,805 2,282 19,071,209 10 85,482
65-69 79.6 16.6 78.1 23 152,638 4,128 27,765,828 29 195,553
70-74 69.9 13.0 38.4 29 147,590 3,681 33,409,994 41 384,452
75-79 60.9 11.7 26.7 27 173,328 2,278 33,829,069 44 649,082
80-84 48.2 8.4 28.1 33 287,156 2,026 29,745,899 68 1,020,176
85-89 49.0 8.8 65.8 31 530,868 950 11,979,661 63 806,661
90+ 31.0 10.3 47.9 9 229,911 225 3,636,227 29 480,085
Total 57.8 4.5 45.7 167 1,668,020 17,130 172,354,043 289 3,649,606

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.26     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 2
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 208.5 78.8 135.0 7 34,072 1,495 11,747,954 3 25,242
60-64 116.6 35.2 81.5 11 62,000 2,109 16,777,855 9 76,037
65-69 105.3 19.9 69.4 28 123,829 3,780 25,303,023 27 178,519
70-74 85.1 13.6 67.3 39 241,602 4,011 30,788,061 46 359,074
75-79 68.4 12.1 49.2 32 319,760 2,411 33,468,569 47 649,990
80-84 60.2 8.4 49.4 51 589,270 2,465 34,019,501 85 1,193,778
85-89 66.8 9.0 70.2 55 699,974 1,217 14,877,581 82 997,312
90+ 58.2 11.6 70.4 25 467,519 327 4,960,834 43 664,324
Total 72.5 4.6 61.2 248 2,538,026 17,816 171,943,378 342 4,144,277

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.27     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 3
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 280.6 93.5 599.6 9 137,655 1,423 10,716,358 3 22,956
60-64 88.6 31.3 42.7 8 27,567 1,992 14,175,843 9 64,523
65-69 109.2 19.9 82.9 30 151,553 3,794 25,563,699 27 182,717
70-74 100.2 14.0 79.5 51 294,867 4,308 31,007,980 51 371,086
75-79 84.7 12.9 49.0 43 331,540 2,592 34,116,296 51 676,054
80-84 83.4 9.2 66.2 83 859,865 2,854 37,113,680 100 1,298,856
85-89 75.2 8.5 49.7 78 700,355 1,528 21,460,373 104 1,409,401
90+ 80.0 11.5 81.1 48 665,612 452 6,029,417 60 820,654
Total 86.5 4.6 65.4 350 3,169,014 18,942 180,183,647 405 4,846,247

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.28     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 4
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 234.8 88.8 129.9 7 26,058 1,300 9,355,449 3 20,055
60-64 155.9 43.2 138.9 13 77,525 1,811 12,215,321 8 55,827
65-69 91.4 17.9 76.9 26 140,114 3,785 25,039,184 28 182,319
70-74 102.1 14.2 57.3 52 220,080 4,207 31,419,054 51 384,093
75-79 59.2 10.6 42.9 31 280,828 2,720 32,647,937 52 654,065
80-84 95.1 9.3 86.3 104 1,151,503 3,079 37,658,852 109 1,334,943
85-89 94.6 9.0 82.3 110 1,287,806 1,705 23,216,695 116 1,564,062
90+ 102.2 11.5 115.3 79 1,285,496 569 7,788,124 77 1,114,694
Total 94.6 4.6 84.2 422 4,469,410 19,177 179,340,617 446 5,310,057

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.29     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 5
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 166.2 83.1 164.2 4 27,023 1,057 7,905,024 2 16,455
60-64 151.3 45.6 178.4 11 82,064 1,588 10,143,975 7 46,001
65-69 129.4 22.2 104.8 34 179,558 3,419 22,989,897 26 171,392
70-74 90.2 13.4 62.0 45 196,256 4,092 25,918,030 50 316,425
75-79 80.8 12.3 66.2 43 377,823 2,804 29,664,240 53 570,730
80-84 97.6 9.6 110.8 104 1,516,755 2,972 39,374,061 107 1,368,705
85-89 83.7 8.0 63.7 110 1,138,938 1,947 26,283,129 131 1,788,397
90+ 75.0 9.2 57.1 67 637,223 662 7,869,732 89 1,116,156
Total 89.7 4.4 77.0 418 4,155,640 18,539 170,148,089 466 5,394,261

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.30     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 6
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 207.6 119.9 120.5 3 13,359 722 5,896,317 1 11,088
60-64 218.6 60.6 150.1 13 54,808 1,351 8,176,216 6 36,518
65-69 122.9 27.5 96.5 20 107,402 2,267 15,330,838 16 111,292
70-74 108.3 14.1 112.5 59 326,299 4,601 24,497,931 54 290,151
75-79 81.2 12.2 51.4 44 264,400 2,889 27,154,521 54 514,860
80-84 100.9 10.1 77.8 99 928,660 2,758 33,603,776 98 1,193,115
85-89 82.0 7.4 65.9 123 1,272,686 2,223 28,301,502 150 1,931,111
90+ 75.2 8.6 102.8 77 1,319,658 748 9,074,892 102 1,283,217
Total 90.7 4.3 79.8 438 4,287,272 17,559 152,035,992 483 5,371,352

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.31     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 7
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 233.1 134.6 87.8 3 8,579 642 5,313,717 1 9,767
60-64 151.7 53.6 103.6 8 32,536 1,168 6,909,049 5 31,400
65-69 83.1 24.0 68.9 12 59,393 1,989 11,808,626 14 86,232
70-74 120.4 17.0 82.7 50 192,797 3,579 19,909,260 42 233,131
75-79 88.3 11.5 72.0 59 365,687 3,702 27,113,878 67 507,758
80-84 95.5 10.2 57.0 88 603,968 2,601 29,974,439 92 1,060,380
85-89 87.6 7.4 57.1 139 1,192,588 2,321 30,199,709 159 2,086,861
90+ 80.4 8.2 56.4 96 832,739 860 10,960,485 119 1,476,439
Total 91.1 4.3 59.9 455 3,288,287 16,862 142,189,162 500 5,491,969

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.32     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 8
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 353.4 176.7 191.1 4 13,727 560 4,229,937 1 7,184
60-64 107.8 48.2 143.9 5 38,805 1,011 5,925,126 5 26,973
65-69 234.0 41.4 271.2 32 201,772 1,861 10,161,272 14 74,404
70-74 139.3 18.5 135.2 57 285,779 3,441 17,843,546 41 211,324
75-79 101.0 11.6 82.6 76 402,892 4,046 25,557,523 75 487,551
80-84 95.3 10.3 56.2 85 543,973 2,498 26,907,679 89 968,270
85-89 85.3 7.1 62.9 145 1,309,582 2,444 29,839,042 170 2,081,305
90+ 91.2 8.0 99.3 130 1,886,810 1,017 14,175,212 143 1,899,526
Total 99.4 4.3 81.4 534 4,683,340 16,879 134,639,336 537 5,756,537

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.33     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 9
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 483.9 216.4 539.2 5 36,404 514 4,098,408 1 6,752
60-64 186.3 65.9 150.4 8 33,689 914 4,796,360 4 22,401
65-69 144.5 32.3 69.2 20 47,915 1,848 9,421,276 14 69,216
70-74 125.9 17.0 139.6 55 282,244 3,533 16,734,029 44 202,183
75-79 106.6 10.7 95.6 100 505,046 4,744 26,683,513 94 528,382
80-84 97.3 10.3 96.3 90 795,675 2,603 22,927,009 92 825,992
85-89 92.1 7.1 58.1 168 1,240,122 2,582 29,812,893 182 2,134,025
90+ 91.4 7.2 67.9 159 1,513,106 1,231 16,146,256 174 2,227,225
Total 99.9 4.1 74.0 605 4,454,201 17,969 130,619,743 605 6,016,176

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.34     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 10
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 373.3 186.7 617.7 4 43,920 532 4,267,664 1 7,110
60-64 228.3 76.1 197.4 9 35,913 822 3,873,055 4 18,194
65-69 176.6 36.0 174.1 24 114,413 1,806 8,904,897 14 65,713
70-74 97.5 14.5 108.1 45 220,708 3,660 16,545,131 46 204,253
75-79 120.6 11.0 91.3 121 460,607 4,953 24,824,506 100 504,666
80-84 114.7 10.0 88.2 131 739,313 3,335 23,871,816 114 838,567
85-89 101.7 7.5 88.4 186 1,679,731 2,599 26,707,239 183 1,899,190
90+ 93.9 6.6 68.9 201 1,877,808 1,520 19,777,294 214 2,723,825
Total 106.6 4.0 82.6 721 5,172,413 19,227 128,771,602 676 6,261,517

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.35     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 233.7 33.1 260.2 50 402,521 9,805 76,446,984 21 154,725
60-64 142.2 14.4 114.3 97 529,712 15,048 102,064,008 68 463,356
65-69 118.8 7.5 97.1 249 1,278,587 28,676 182,288,540 210 1,317,358
70-74 103.5 4.7 81.5 482 2,408,222 39,113 248,073,016 466 2,956,172
75-79 90.3 3.8 60.6 576 3,481,911 33,140 295,060,051 638 5,743,137
80-84 90.9 3.1 72.2 868 8,016,138 27,191 315,196,712 955 11,102,781
85-89 85.4 2.5 66.2 1,145 11,052,650 19,516 242,677,825 1,341 16,698,324
90+ 84.8 2.8 77.6 891 10,715,882 7,611 100,418,473 1,051 13,806,146
Total 91.8 1.4 72.5 4,358 37,885,623 180,101 1,562,225,609 4,750 52,241,998

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 7.36     FEMALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Attained Age
18-59 240.6 38.5 418.1 39 420,036 8,275 54,671,294 16 100,457
60-64 228.4 26.0 225.9 77 408,474 7,418 39,806,084 34 180,786
65-69 151.4 11.1 188.8 186 1,113,711 16,490 79,456,720 123 589,894
70-74 136.6 5.6 141.3 605 2,687,836 36,144 155,777,590 443 1,902,205
75-79 130.5 2.8 128.8 2,142 8,381,082 81,876 326,110,055 1,642 6,509,139
80-84 118.8 1.5 116.1 6,709 24,206,713 154,847 576,482,236 5,648 20,849,093
85-89 111.0 0.9 106.8 15,772 52,612,528 199,195 693,769,227 14,214 49,250,267
90+ 96.0 0.5 96.0 30,767 100,497,195 197,987 662,100,710 32,065 104,650,176
Total 103.9 0.4 103.4 56,297 190,327,575 702,232 2,588,173,916 54,184 184,032,017

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.1     TOTAL EXPERIENCE BY POLICY YEAR
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 106.4 0.8 100.0 20,099 76,576,863 339,466 1,552,451,192 18,894 76,561,275
2007 107.2 0.8 101.5 20,339 79,845,459 323,972 1,514,407,174 18,982 78,696,668
2008 106.4 0.7 100.5 20,148 80,850,155 307,748 1,481,127,188 18,937 80,448,704
2009 107.2 0.8 100.5 20,277 82,762,311 294,397 1,458,099,394 18,919 82,329,665
2010 103.7 0.7 96.7 19,491 81,685,669 283,231 1,452,069,776 18,804 84,494,135
2011 103.2 0.7 94.0 19,115 80,774,317 270,868 1,449,891,347 18,525 85,956,704
2012 102.1 0.7 98.3 18,551 85,351,499 257,529 1,420,741,310 18,170 86,821,751
2013 98.9 0.7 95.4 18,388 84,172,525 246,105 1,383,454,305 18,599 88,249,172
2014 95.9 0.7 90.8 17,147 79,006,945 232,213 1,347,147,259 17,888 87,055,958
2015 97.3 0.8 93.2 16,807 80,324,836 219,872 1,319,889,871 17,281 86,168,120
Total 102.9 0.2 97.0 190,362 811,350,580 2,775,401 14,379,278,815 184,999 836,782,153

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.2     TOTAL EXPERIENCE BY POLICY YEAR--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 108.6 1.0 100.6 12,385 42,978,967 192,215 817,974,450 11,407 42,739,990
2007 108.8 1.0 102.8 12,351 44,949,928 182,488 798,503,927 11,355 43,739,318
2008 107.9 1.0 98.7 12,038 43,517,422 171,539 774,367,091 11,160 44,095,186
2009 108.4 1.0 96.1 11,964 43,245,114 163,253 763,000,070 11,038 45,009,060
2010 103.8 1.0 94.3 11,284 43,600,881 156,147 760,946,632 10,870 46,250,749
2011 104.1 1.0 91.4 11,080 43,123,868 148,842 765,833,458 10,643 47,178,256
2012 104.5 1.0 99.0 10,830 47,242,407 140,835 748,467,605 10,368 47,731,891
2013 96.4 0.9 93.6 10,333 45,538,759 134,424 730,933,476 10,718 48,669,837
2014 93.6 1.0 89.3 9,660 42,862,763 126,908 713,323,738 10,322 47,999,107
2015 98.2 1.0 95.0 9,769 44,970,734 120,009 699,593,879 9,948 47,348,601
Total 103.6 0.3 95.9 111,694 442,030,843 1,536,658 7,572,944,325 107,831 460,761,996

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.3     TOTAL EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 99.4 1.5 97.0 4,631 21,970,972 104,058 553,529,061 4,659 22,648,052
2007 99.9 1.5 94.4 4,501 21,077,248 96,797 525,496,602 4,506 22,331,016
2008 98.4 1.5 95.6 4,270 21,108,432 89,877 503,904,821 4,341 22,076,516
2009 99.6 1.5 99.7 4,208 21,963,581 84,751 490,218,398 4,225 22,019,197
2010 97.3 1.5 91.7 3,992 20,186,319 80,869 483,846,207 4,101 22,015,013
2011 94.8 1.6 89.3 3,713 19,309,443 76,475 476,160,134 3,916 21,627,328
2012 91.2 1.6 92.6 3,421 19,813,048 72,228 466,370,349 3,750 21,396,982
2013 98.6 1.6 91.6 3,611 19,233,842 67,891 446,521,500 3,663 21,003,216
2014 95.2 1.7 86.4 3,156 17,213,907 62,929 429,823,896 3,315 19,927,911
2015 86.3 1.7 83.5 2,668 16,108,200 59,139 419,913,216 3,091 19,301,131
Total 96.5 0.5 92.4 38,171 197,984,993 795,014 4,795,784,183 39,567 214,346,361

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.4     TOTAL EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 109.0 2.0 104.1 3,083 11,626,924 43,193 180,947,682 2,828 11,173,232
2007 111.7 1.9 109.4 3,487 13,818,283 44,687 190,406,646 3,121 12,626,334
2008 111.8 1.8 113.6 3,840 16,224,301 46,331 202,855,276 3,435 14,277,002
2009 112.3 1.8 114.7 4,105 17,553,616 46,393 204,880,927 3,656 15,301,408
2010 110.0 1.7 110.3 4,215 17,898,469 46,216 207,276,937 3,833 16,228,372
2011 109.0 1.7 106.9 4,322 18,341,006 45,552 207,897,755 3,965 17,151,120
2012 106.1 1.6 103.4 4,300 18,296,044 44,466 205,903,356 4,053 17,692,878
2013 105.4 1.6 104.4 4,444 19,399,924 43,791 205,999,329 4,218 18,576,120
2014 101.9 1.5 99.0 4,331 18,930,275 42,375 203,999,625 4,251 19,128,940
2015 103.0 1.6 98.6 4,370 19,245,902 40,724 200,382,776 4,242 19,518,388
Total 107.7 0.5 106.0 40,497 171,334,744 443,728 2,010,550,308 37,601 161,673,795

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.5     MALE EXPERIENCE BY POLICY YEAR
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 107.3 1.1 100.2 10,299 40,666,921 146,759 701,660,116 9,594 40,578,206
2007 107.3 1.1 101.2 10,142 41,585,877 138,510 679,180,551 9,453 41,098,374
2008 106.3 1.1 98.8 9,815 40,945,883 130,267 661,208,080 9,237 41,441,404
2009 109.1 1.1 104.0 9,894 43,752,898 123,474 647,425,246 9,072 42,054,606
2010 106.5 1.1 98.9 9,419 42,159,130 117,510 639,696,357 8,845 42,608,847
2011 104.7 1.1 92.8 8,925 39,617,420 111,260 633,653,151 8,525 42,675,138
2012 102.2 1.1 96.7 8,390 41,256,489 104,976 617,325,410 8,211 42,665,958
2013 99.8 1.1 97.4 8,296 41,912,162 99,996 597,845,745 8,317 43,015,783
2014 96.7 1.1 90.6 7,581 37,566,842 93,783 578,117,781 7,842 41,467,096
2015 96.7 1.1 94.9 7,215 38,391,055 88,446 563,990,046 7,464 40,467,881
Total 103.9 0.3 97.6 89,976 407,854,677 1,154,982 6,320,102,484 86,561 418,073,294

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.6     MALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 108.7 1.4 97.5 6,043 21,133,378 84,108 377,271,249 5,559 21,665,683
2007 108.2 1.4 100.4 5,878 22,001,992 79,190 366,786,287 5,432 21,905,342
2008 107.5 1.4 95.5 5,642 20,994,686 74,161 357,227,363 5,249 21,978,578
2009 112.0 1.5 99.6 5,717 22,264,543 70,043 349,909,197 5,106 22,347,089
2010 106.3 1.5 93.3 5,231 21,167,631 66,195 346,236,884 4,922 22,690,149
2011 104.5 1.5 86.9 4,940 19,927,167 62,572 344,928,364 4,726 22,921,453
2012 106.4 1.5 99.0 4,827 22,918,317 58,899 335,166,830 4,536 23,148,654
2013 97.6 1.4 98.5 4,571 23,093,588 56,240 325,001,602 4,682 23,455,687
2014 92.8 1.4 87.9 4,118 19,777,014 52,909 314,081,745 4,439 22,490,300
2015 95.9 1.5 93.9 4,072 20,539,329 50,011 305,935,281 4,246 21,885,045
Total 104.4 0.5 95.2 51,039 213,817,645 654,326 3,422,544,800 48,897 224,487,981

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.7     MALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 100.6 1.8 100.5 3,091 15,075,145 52,569 280,984,324 3,073 14,993,556
2007 100.2 1.8 97.7 2,973 14,416,423 48,881 266,445,513 2,966 14,762,693
2008 99.2 1.9 95.7 2,829 13,914,272 45,370 255,317,916 2,853 14,546,660
2009 101.1 1.9 103.2 2,798 14,938,848 42,723 248,330,110 2,769 14,475,298
2010 101.9 1.9 97.4 2,738 14,030,861 40,755 243,324,586 2,686 14,402,624
2011 99.8 2.0 92.8 2,560 13,138,576 38,536 240,266,898 2,565 14,164,958
2012 90.5 1.9 88.9 2,218 12,422,523 36,342 234,932,092 2,450 13,976,116
2013 98.4 2.0 90.2 2,349 12,405,482 34,227 225,301,863 2,388 13,756,024
2014 99.2 2.1 89.9 2,147 11,791,608 31,761 217,665,234 2,164 13,115,876
2015 93.5 2.2 92.4 1,888 11,768,472 29,870 213,137,267 2,019 12,737,118
Total 98.7 0.6 95.0 25,591 133,902,210 401,035 2,425,705,803 25,931 140,930,922

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.8     MALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 121.0 3.5 113.8 1,165 4,458,398 10,082 43,404,543 962 3,918,967
2007 122.4 3.4 116.6 1,291 5,167,462 10,439 45,948,751 1,055 4,430,339
2008 118.4 3.2 122.8 1,344 6,036,925 10,736 48,662,802 1,136 4,916,167
2009 115.1 3.1 125.2 1,379 6,549,507 10,708 49,185,939 1,198 5,232,219
2010 117.2 3.1 126.2 1,450 6,960,638 10,561 50,134,887 1,237 5,516,073
2011 115.5 3.1 117.2 1,425 6,551,677 10,152 48,457,890 1,234 5,588,726
2012 109.8 3.0 106.8 1,345 5,915,649 9,735 47,226,488 1,225 5,541,188
2013 110.4 3.0 110.5 1,376 6,413,092 9,529 47,542,280 1,247 5,804,073
2014 106.1 2.9 102.3 1,316 5,998,220 9,113 46,370,803 1,240 5,860,920
2015 104.6 3.0 104.1 1,255 6,083,254 8,564 44,917,498 1,199 5,845,719
Total 113.8 1.0 114.2 13,346 60,134,822 99,620 471,851,881 11,733 52,654,391

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.9     FEMALE EXPERIENCE BY POLICY YEAR
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 105.4 1.1 99.8 9,800 35,909,942 192,707 850,791,076 9,300 35,983,069
2007 107.0 1.1 101.8 10,197 38,259,582 185,462 835,226,623 9,528 37,598,295
2008 106.5 1.0 102.3 10,333 39,904,272 177,481 819,919,108 9,700 39,007,300
2009 105.5 1.0 96.9 10,383 39,009,413 170,923 810,674,148 9,846 40,275,059
2010 101.1 1.0 94.4 10,072 39,526,539 165,721 812,373,419 9,960 41,885,288
2011 101.9 1.0 95.1 10,190 41,156,897 159,608 816,238,195 10,000 43,281,566
2012 102.0 1.0 99.9 10,161 44,095,010 152,553 803,415,900 9,959 44,155,793
2013 98.1 1.0 93.4 10,092 42,260,363 146,109 785,608,560 10,283 45,233,389
2014 95.2 1.0 90.9 9,566 41,440,103 138,430 769,029,477 10,045 45,588,862
2015 97.7 1.0 91.8 9,592 41,933,781 131,426 755,899,825 9,817 45,700,239
Total 102.0 0.3 96.4 100,386 403,495,902 1,620,419 8,059,176,331 98,438 418,708,859

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.10     FEMALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 108.4 1.4 103.7 6,342 21,845,589 108,107 440,703,201 5,848 21,074,308
2007 109.3 1.4 105.1 6,473 22,947,936 103,298 431,717,639 5,923 21,833,976
2008 108.2 1.4 101.8 6,396 22,522,736 97,378 417,139,728 5,911 22,116,609
2009 105.3 1.3 92.6 6,247 20,980,571 93,210 413,090,873 5,932 22,661,971
2010 101.8 1.3 95.2 6,053 22,433,250 89,952 414,709,748 5,948 23,560,599
2011 103.8 1.3 95.6 6,140 23,196,701 86,270 420,905,094 5,918 24,256,802
2012 102.9 1.3 98.9 6,003 24,324,090 81,936 413,300,776 5,832 24,583,237
2013 95.5 1.3 89.0 5,762 22,445,171 78,184 405,931,874 6,036 25,214,150
2014 94.2 1.3 90.5 5,542 23,085,749 73,999 399,241,993 5,884 25,508,807
2015 99.9 1.3 95.9 5,697 24,431,405 69,997 393,658,599 5,702 25,463,556
Total 102.9 0.4 96.6 60,655 228,213,198 882,332 4,150,399,525 58,934 236,274,015

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.11     FEMALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 97.1 2.5 90.1 1,540 6,895,827 51,489 272,544,736 1,586 7,654,496
2007 99.2 2.5 88.0 1,528 6,660,825 47,916 259,051,089 1,540 7,568,324
2008 96.8 2.5 95.5 1,441 7,194,160 44,507 248,586,906 1,489 7,529,857
2009 96.8 2.6 93.1 1,410 7,024,733 42,028 241,888,288 1,456 7,543,899
2010 88.6 2.5 80.9 1,254 6,155,458 40,114 240,521,621 1,415 7,612,389
2011 85.3 2.5 82.7 1,153 6,170,867 37,939 235,893,236 1,351 7,462,370
2012 92.6 2.7 99.6 1,203 7,390,525 35,886 231,438,257 1,299 7,420,866
2013 99.0 2.8 94.2 1,262 6,828,360 33,664 221,219,637 1,275 7,247,192
2014 87.7 2.8 79.6 1,009 5,422,299 31,169 212,158,662 1,151 6,812,035
2015 72.8 2.6 66.1 780 4,339,728 29,269 206,775,948 1,072 6,564,013
Total 92.3 0.8 87.3 12,580 64,082,782 393,979 2,370,078,379 13,636 73,415,439

Thomson Data Analysis Sat Apr 01 12:28:35 2017


TABLE 8.12     FEMALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2005 AND 2015
EXPECTED CIP2014 MORTALITY TABLES CIA MI Scale
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Experience By Policy Year
2006 102.8 2.3 98.8 1,918 7,168,526 33,110 137,543,139 1,865 7,254,265
2007 106.3 2.3 105.5 2,196 8,650,821 34,248 144,457,894 2,066 8,195,995
2008 108.5 2.2 108.8 2,496 10,187,376 35,595 154,192,474 2,300 9,360,835
2009 110.9 2.1 109.3 2,726 11,004,109 35,685 155,694,987 2,458 10,069,190
2010 106.5 2.0 102.1 2,765 10,937,831 35,655 157,142,050 2,596 10,712,299
2011 106.1 2.0 102.0 2,897 11,789,329 35,399 159,439,866 2,732 11,562,393
2012 104.5 1.9 101.9 2,955 12,380,395 34,731 158,676,868 2,828 12,151,690
2013 103.3 1.9 101.7 3,068 12,986,832 34,262 158,457,049 2,971 12,772,047
2014 100.1 1.8 97.5 3,015 12,932,055 33,262 157,628,822 3,011 13,268,020
2015 102.4 1.8 96.3 3,115 13,162,648 32,160 155,465,278 3,042 13,672,670
Total 105.0 0.6 102.0 27,151 111,199,922 344,108 1,538,698,427 25,869 109,019,404

Thomson Data Analysis Sat Apr 01 12:28:35 2017