#### § 1.72-9 Tables.

The following tables are to be used in connection with computations under section 72 and the regulations thereunder. Tables I, II, IIA, III, and IV are to be used if the investment in the contract does not include a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)). Tables V, VI, VIA, VII, and VIII are to be used if the investment in the contract includes a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)).

In the case of a contract under which amounts are received as an annuity after June 30, 1986, a taxpayer receiving such amounts may elect to treat the entire investment in the contract as post-June 1986 investment in the contract and thus apply Tables V through VIII. A taxpayer may make the election for any taxable year in which such amounts are received by attaching to the taxpayer's return for such taxable year a statement that the taxpayer is electing under § 1.72-9 to treat the entire investment in the contract as post-June 1986 investment in the contract. The statement must contain the taxpayer's name, address, and taxpayer identification number. The election is irrevocable and applies with respect to all amounts that the taxpayer receives as an annuity under the contract in the taxable year for which the election is made or in any subsequent taxable year. (Note that for purposes of the examples in §§ 1.72-4 through 1.72-11 the election described in this section is disregarded (*i.e.*, it assumed that the taxpayer does not make an election under this section).) See also § 1.72-6(d)(3) for rules treating the entire investment in a contract as post-June 1986 investment in a contract if the annuity starting date of the contract is after June 30, 1986, and the contract provides for a disqualifying form of payment or settlement, such as an option to receive a lump sum in full discharge of the obligation under the contract. In addition, see § 1.72-6(d) for special rules concerning the tables to be used and the separate computations required if the investment in the contract includes both a pre-July 1986 investment in the contract and a post-June 1986 investment in the contract and the election described in § 1.72-6(d)(6) is made with respect to the contract.

| Ages | Multiples |
| --- | --- |
| Male | Female |
| 6 | 11 | 65.0 |
| 7 | 12 | 64.1 |
| 8 | 13 | 63.2 |
| 9 | 14 | 62.3 |
| 10 | 15 | 61.4 |
| | | |
| 11 | 16 | 60.4 |
| 12 | 17 | 59.5 |
| 13 | 18 | 58.6 |
| 14 | 19 | 57.7 |
| 15 | 20 | 56.7 |
| | | |
| 16 | 21 | 55.8 |
| 17 | 22 | 54.9 |
| 18 | 23 | 53.9 |
| 19 | 24 | 53.0 |
| 20 | 25 | 52.1 |
| | | |
| 21 | 26 | 51.1 |
| 22 | 27 | 50.2 |
| 23 | 28 | 49.3 |
| 24 | 29 | 48.3 |
| 25 | 30 | 47.4 |
| | | |
| 26 | 31 | 46.5 |
| 27 | 32 | 45.6 |
| 28 | 33 | 44.6 |
| 29 | 34 | 43.7 |
| 30 | 35 | 42.8 |
| | | |
| 31 | 36 | 41.9 |
| 32 | 37 | 41.0 |
| 33 | 38 | 40.0 |
| 34 | 39 | 39.1 |
| 35 | 40 | 38.2 |
| | | |
| 36 | 41 | 37.3 |
| 37 | 42 | 36.5 |
| 38 | 43 | 35.6 |
| 39 | 44 | 34.7 |
| 40 | 45 | 33.8 |
| | | |
| 41 | 46 | 33.0 |
| 42 | 47 | 32.1 |
| 43 | 48 | 31.2 |
| 44 | 49 | 30.4 |
| 45 | 50 | 29.6 |
| | | |
| 46 | 51 | 28.7 |
| 47 | 52 | 27.9 |
| 48 | 53 | 27.1 |
| 49 | 54 | 26.3 |
| 50 | 55 | 25.5 |
| | | |
| 51 | 56 | 24.7 |
| 52 | 57 | 24.0 |
| 53 | 58 | 23.2 |
| 54 | 59 | 22.4 |
| 55 | 60 | 21.7 |
| | | |
| 56 | 61 | 21.0 |
| 57 | 62 | 20.3 |
| 58 | 63 | 19.6 |
| 59 | 64 | 18.9 |
| 60 | 65 | 18.2 |
| | | |
| 61 | 66 | 17.5 |
| 62 | 67 | 16.9 |
| 63 | 68 | 16.2 |
| 64 | 69 | 15.6 |
| 65 | 70 | 15.0 |
| | | |
| 66 | 71 | 14.4 |
| 67 | 72 | 13.8 |
| 68 | 73 | 13.2 |
| 69 | 74 | 12.6 |
| 70 | 75 | 12.1 |
| | | |
| 71 | 76 | 11.6 |
| 72 | 77 | 11.0 |
| 73 | 78 | 10.5 |
| 74 | 79 | 10.1 |
| 75 | 80 | 9.6 |
| | | |
| 76 | 81 | 9.1 |
| 77 | 82 | 8.7 |
| 78 | 83 | 8.3 |
| 79 | 84 | 7.8 |
| 80 | 85 | 7.5 |
| | | |
| 81 | 86 | 7.1 |
| 82 | 87 | 6.7 |
| 83 | 88 | 6.3 |
| 84 | 89 | 6.0 |
| 85 | 90 | 5.7 |
| | | |
| 86 | 91 | 5.4 |
| 87 | 92 | 5.1 |
| 88 | 93 | 4.8 |
| 89 | 94 | 4.5 |
| 90 | 95 | 4.2 |
| | | |
| 91 | 96 | 4.0 |
| 92 | 97 | 3.7 |
| 93 | 98 | 3.5 |
| 94 | 99 | 3.3 |
| 95 | 100 | 3.1 |
| | | |
| 96 | 101 | 2.9 |
| 97 | 102 | 2.7 |
| 98 | 103 | 2.5 |
| 99 | 104 | 2.3 |
| 100 | 105 | 2.1 |
| | | |
| 101 | 106 | 1.9 |
| 102 | 107 | 1.7 |
| 103 | 108 | 1.5 |
| 104 | 109 | 1.3 |
| 105 | 110 | 1.2 |
| | | |
| 106 | 111 | 1.0 |
| 107 | 112 | .8 |
| 108 | 113 | .7 |
| 109 | 114 | .6 |
| 110 | 115 | .5 |
| 111 | 116 | 0 |

Table I—Ordinary Life Annuities—One Life—Expected Return Multiples

| Male | Female | Ages |
| --- | --- | --- |
| Male 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| Female 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 |
| 6 | 11 | 73.5 | 73.0 | 72.6 | 72.2 | 71.8 | 71.4 | 71.0 | 70.7 | 70.4 | 70.0 | 69.7 | 69.5 | 69.2 | 68.9 | 68.7 |
| 7 | 12 | 73.0 | 72.6 | 72.1 | 71.7 | 71.3 | 70.9 | 70.5 | 70.1 | 69.8 | 69.4 | 69.1 | 68.8 | 68.5 | 68.3 | 68.0 |
| 8 | 13 | 72.6 | 72.1 | 71.6 | 71.2 | 70.8 | 70.4 | 70.0 | 69.6 | 69.2 | 68.9 | 68.5 | 68.2 | 67.9 | 67.6 | 67.3 |
| 9 | 14 | 72.2 | 71.7 | 71.2 | 70.7 | 70.3 | 69.9 | 69.4 | 69.0 | 68.7 | 68.3 | 67.9 | 67.6 | 67.3 | 67.0 | 66.7 |
| 10 | 15 | 71.8 | 71.3 | 70.8 | 70.3 | 69.8 | 69.4 | 68.9 | 68.5 | 68.1 | 67.7 | 67.4 | 67.0 | 66.7 | 66.4 | 66.1 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 71.4 | 70.9 | 70.4 | 69.9 | 69.4 | 68.9 | 68.5 | 68.0 | 67.6 | 67.2 | 66.8 | 66.5 | 66.1 | 65.8 | 65.4 |
| 12 | 17 | 71.0 | 70.5 | 70.0 | 69.4 | 68.9 | 68.5 | 68.0 | 67.5 | 67.1 | 66.7 | 66.3 | 65.9 | 65.5 | 65.2 | 64.8 |
| 13 | 18 | 70.7 | 70.1 | 69.6 | 69.0 | 68.5 | 68.0 | 67.5 | 67.1 | 66.6 | 66.2 | 65.8 | 65.4 | 65.0 | 64.6 | 64.2 |
| 14 | 19 | 70.4 | 69.8 | 69.2 | 68.7 | 68.1 | 67.6 | 67.1 | 66.6 | 66.1 | 65.7 | 65.3 | 64.8 | 64.4 | 64.0 | 63.7 |
| 15 | 20 | 70.0 | 69.4 | 68.9 | 68.3 | 67.7 | 67.2 | 66.7 | 66.2 | 65.7 | 65.2 | 64.8 | 64.3 | 63.9 | 63.5 | 63.1 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 69.7 | 69.1 | 68.5 | 67.9 | 67.4 | 66.8 | 66.3 | 65.8 | 65.3 | 64.8 | 64.3 | 63.8 | 63.4 | 63.0 | 62.6 |
| 17 | 22 | 69.5 | 68.8 | 68.2 | 67.6 | 67.0 | 66.5 | 65.9 | 65.4 | 64.8 | 64.3 | 63.8 | 63.4 | 62.9 | 62.5 | 62.0 |
| 18 | 23 | 69.2 | 68.5 | 67.9 | 67.3 | 66.7 | 66.1 | 65.5 | 65.0 | 64.4 | 63.9 | 63.4 | 62.9 | 62.4 | 62.0 | 61.5 |
| 19 | 24 | 68.9 | 68.3 | 67.6 | 67.0 | 66.4 | 65.8 | 65.2 | 64.6 | 64.0 | 63.5 | 63.0 | 62.5 | 62.0 | 61.5 | 61.0 |
| 20 | 25 | 68.7 | 68.0 | 67.3 | 66.7 | 66.1 | 65.4 | 64.8 | 64.2 | 63.7 | 63.1 | 62.6 | 62.0 | 61.5 | 61.0 | 60.6 |

Table II—Ordinary Joint Life and Last Survivor Annuities—Two Lives—Expected Return Multiples

| Male | Female | Ages |
| --- | --- | --- |
| Male 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 |
| Female 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 |
| 6 | 11 | 68.4 | 68.2 | 68.0 | 67.8 | 67.6 | 67.5 | 67.3 | 67.1 | 67.0 | 66.8 | 66.7 | 66.6 | 66.5 | 66.4 |
| 7 | 12 | 67.8 | 67.5 | 67.3 | 67.1 | 66.9 | 66.7 | 66.5 | 66.4 | 66.2 | 66.1 | 65.9 | 65.8 | 65.7 | 65.6 |
| 8 | 13 | 67.1 | 66.8 | 66.6 | 66.4 | 66.2 | 66.0 | 65.8 | 65.6 | 65.4 | 65.3 | 65.1 | 65.0 | 64.9 | 64.7 |
| 9 | 14 | 66.4 | 66.2 | 65.9 | 65.7 | 65.4 | 65.2 | 65.0 | 64.8 | 64.7 | 64.5 | 64.3 | 64.2 | 64.1 | 63.9 |
| 10 | 15 | 65.8 | 65.5 | 65.2 | 65.0 | 64.7 | 64.5 | 64.3 | 64.1 | 63.9 | 63.7 | 63.6 | 63.4 | 63.3 | 63.1 |
| | | | | | | | | | | | | | | | |
| 11 | 16 | 65.1 | 64.8 | 64.6 | 64.3 | 64.1 | 63.8 | 63.6 | 63.4 | 63.2 | 63.0 | 62.8 | 62.6 | 62.5 | 62.3 |
| 12 | 17 | 64.5 | 64.2 | 63.9 | 63.6 | 63.4 | 63.1 | 62.9 | 62.7 | 62.4 | 62.2 | 62.0 | 61.9 | 61.7 | 61.5 |
| 13 | 18 | 63.9 | 63.6 | 63.3 | 63.0 | 62.7 | 62.4 | 62.2 | 61.9 | 61.7 | 61.5 | 61.3 | 61.1 | 60.9 | 60.8 |
| 14 | 19 | 63.3 | 63.0 | 62.7 | 62.3 | 62.0 | 61.8 | 61.5 | 61.2 | 61.0 | 60.8 | 60.6 | 60.4 | 60.2 | 60.0 |
| 15 | 20 | 62.7 | 62.4 | 62.0 | 61.7 | 61.4 | 61.1 | 60.8 | 60.6 | 60.3 | 60.1 | 59.8 | 59.6 | 59.4 | 59.2 |
| | | | | | | | | | | | | | | | |
| 16 | 21 | 62.2 | 61.8 | 61.4 | 61.1 | 60.8 | 60.5 | 60.2 | 59.9 | 59.6 | 59.4 | 59.1 | 58.9 | 58.7 | 58.5 |
| 17 | 22 | 61.6 | 61.2 | 60.9 | 60.5 | 60.2 | 59.8 | 59.5 | 59.2 | 58.9 | 58.7 | 58.4 | 58.2 | 57.9 | 57.7 |
| 18 | 23 | 61.1 | 60.7 | 60.3 | 59.9 | 59.6 | 59.2 | 58.9 | 58.6 | 58.3 | 58.0 | 57.7 | 57.5 | 57.2 | 57.0 |
| 19 | 24 | 60.6 | 60.2 | 59.7 | 59.4 | 59.0 | 58.6 | 58.3 | 57.9 | 57.6 | 57.3 | 57.0 | 56.8 | 56.5 | 56.3 |
| 20 | 25 | 60.1 | 59.6 | 59.2 | 58.8 | 58.4 | 58.0 | 57.7 | 57.3 | 57.0 | 56.7 | 56.4 | 56.1 | 55.8 | 55.6 |
| | | | | | | | | | | | | | | | |
| 21 | 26 | 59.6 | 59.1 | 58.7 | 58.3 | 57.9 | 57.5 | 57.1 | 56.7 | 56.4 | 56.0 | 55.7 | 55.4 | 55.1 | 54.9 |
| 22 | 27 | 59.1 | 58.7 | 58.2 | 57.7 | 57.3 | 56.9 | 56.5 | 56.1 | 55.8 | 55.4 | 55.1 | 54.8 | 54.5 | 54.2 |
| 23 | 28 | 58.7 | 58.2 | 57.7 | 57.2 | 56.8 | 56.4 | 55.9 | 55.5 | 55.2 | 54.8 | 54.4 | 54.1 | 53.8 | 53.5 |
| 24 | 29 | 58.3 | 57.7 | 57.2 | 56.8 | 56.3 | 55.8 | 55.4 | 55.0 | 54.6 | 54.2 | 53.8 | 53.5 | 53.2 | 52.8 |
| 25 | 30 | 57.9 | 57.3 | 56.8 | 56.3 | 55.8 | 55.3 | 54.9 | 54.4 | 54.0 | 53.6 | 53.2 | 52.9 | 52.5 | 52.2 |
| | | | | | | | | | | | | | | | |
| 26 | 31 | 57.5 | 56.9 | 56.4 | 55.8 | 55.3 | 54.8 | 54.4 | 53.9 | 53.5 | 53.1 | 52.7 | 52.3 | 51.9 | 51.6 |
| 27 | 32 | 57.1 | 56.5 | 55.9 | 55.4 | 54.9 | 54.4 | 53.9 | 53.4 | 53.0 | 52.5 | 52.1 | 51.7 | 51.3 | 50.9 |
| 28 | 33 | 56.7 | 56.1 | 55.5 | 55.0 | 54.4 | 53.9 | 53.4 | 52.9 | 52.4 | 52.0 | 51.6 | 51.1 | 50.7 | 50.3 |
| 29 | 34 | 56.4 | 55.8 | 55.2 | 54.6 | 54.0 | 53.5 | 53.0 | 52.4 | 52.0 | 51.5 | 51.0 | 50.6 | 50.2 | 49.3 |
| 30 | 35 | 56.0 | 55.4 | 54.8 | 54.2 | 53.6 | 53.1 | 52.5 | 52.0 | 51.5 | 51.0 | 50.5 | 50.1 | 49.6 | 49.2 |
| | | | | | | | | | | | | | | | |
| 31 | 36 | 55.7 | 55.1 | 54.4 | 53.8 | 53.2 | 52.7 | 52.1 | 51.6 | 51.0 | 50.5 | 50.0 | 49.5 | 49.1 | 48.7 |
| 32 | 37 | 55.4 | 54.8 | 54.1 | 53.5 | 52.9 | 52.3 | 51.7 | 51.1 | 50.6 | 50.1 | 49.5 | 49.1 | 48.6 | 48.1 |
| 33 | 38 | 55.1 | 54.5 | 53.8 | 53.2 | 52.5 | 51.9 | 51.3 | 50.7 | 50.2 | 49.6 | 49.1 | 48.6 | 48.1 | 47.6 |
| 34 | 39 | 54.9 | 54.2 | 53.5 | 52.8 | 52.2 | 51.6 | 50.9 | 50.3 | 49.8 | 49.2 | 48.7 | 48.1 | 47.6 | 47.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
| Female 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 |
| 6 | 11 | 66.3 | 66.2 | 66.1 | 66.0 | 65.9 | 65.9 | 65.8 | 65.7 | 65.7 | 65.6 | 65.6 | 65.5 | 65.5 | 65.5 | 65.4 |
| 7 | 12 | 65.4 | 65.3 | 65.3 | 65.2 | 65.1 | 65.0 | 64.9 | 64.9 | 64.8 | 64.8 | 64.7 | 64.7 | 64.6 | 64.6 | 64.5 |
| 8 | 13 | 64.6 | 64.5 | 64.4 | 64.3 | 64.2 | 64.2 | 64.1 | 64.0 | 64.0 | 63.9 | 63.8 | 63.8 | 63.7 | 63.7 | 63.7 |
| 9 | 14 | 63.8 | 63.7 | 63.6 | 63.5 | 63.4 | 63.3 | 63.2 | 63.2 | 63.1 | 63.0 | 63.0 | 62.9 | 62.9 | 62.8 | 62.8 |
| 10 | 15 | 63.0 | 62.9 | 62.8 | 62.7 | 62.6 | 62.5 | 62.4 | 62.3 | 62.2 | 62.2 | 62.1 | 62.0 | 62.0 | 61.9 | 61.9 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 62.2 | 62.1 | 61.9 | 61.8 | 61.7 | 61.6 | 61.5 | 61.4 | 61.4 | 61.3 | 61.2 | 61.2 | 61.1 | 61.0 | 61.0 |
| 12 | 17 | 61.4 | 61.3 | 61.1 | 61.0 | 60.9 | 60.8 | 60.7 | 60.6 | 60.5 | 60.4 | 60.4 | 60.3 | 60.2 | 60.2 | 60.1 |
| 13 | 18 | 60.6 | 60.5 | 60.3 | 60.2 | 60.1 | 60.0 | 59.9 | 59.8 | 59.7 | 59.6 | 59.5 | 59.4 | 59.4 | 59.3 | 59.2 |
| 14 | 19 | 59.8 | 59.7 | 59.5 | 59.4 | 59.3 | 59.1 | 59.0 | 58.9 | 58.8 | 58.7 | 58.6 | 58.6 | 58.5 | 58.4 | 58.4 |
| 15 | 20 | 59.0 | 58.9 | 58.7 | 58.6 | 58.4 | 58.3 | 58.2 | 58.1 | 58.0 | 57.9 | 57.8 | 57.7 | 57.6 | 57.6 | 57.5 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 58.3 | 58.1 | 57.9 | 57.8 | 57.6 | 57.5 | 57.4 | 57.2 | 57.1 | 57.0 | 56.9 | 56.8 | 56.8 | 56.7 | 56.6 |
| 17 | 22 | 57.5 | 57.3 | 57.2 | 57.0 | 56.8 | 56.7 | 56.6 | 56.4 | 56.3 | 56.2 | 56.1 | 56.0 | 55.9 | 55.8 | 55.7 |
| 18 | 23 | 56.8 | 56.6 | 56.4 | 56.2 | 56.0 | 55.9 | 55.7 | 55.6 | 55.5 | 55.4 | 55.2 | 55.1 | 55.1 | 55.0 | 54.9 |
| 19 | 24 | 56.0 | 55.8 | 55.6 | 55.4 | 55.3 | 55.1 | 54.9 | 54.8 | 54.7 | 54.5 | 54.4 | 54.3 | 54.2 | 54.1 | 54.0 |
| 20 | 25 | 55.3 | 55.1 | 54.9 | 54.7 | 54.5 | 54.3 | 54.1 | 54.0 | 53.8 | 53.7 | 53.6 | 53.5 | 53.4 | 53.3 | 53.2 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 54.6 | 54.4 | 54.1 | 53.9 | 53.7 | 53.5 | 53.4 | 53.2 | 53.0 | 52.9 | 52.8 | 52.6 | 52.5 | 52.4 | 52.3 |
| 22 | 27 | 53.9 | 53.6 | 53.4 | 53.2 | 53.0 | 52.8 | 52.6 | 52.4 | 52.2 | 52.1 | 51.9 | 51.8 | 51.7 | 51.6 | 51.5 |
| 23 | 28 | 53.2 | 52.9 | 52.7 | 52.5 | 52.2 | 52.0 | 51.8 | 51.6 | 51.5 | 51.3 | 51.1 | 51.0 | 50.9 | 50.7 | 50.6 |
| 24 | 29 | 52.5 | 52.3 | 52.0 | 51.7 | 51.5 | 51.3 | 51.1 | 50.9 | 50.7 | 50.5 | 50.3 | 50.2 | 50.0 | 49.9 | 49.8 |
| 25 | 30 | 51.9 | 51.6 | 51.3 | 51.0 | 50.8 | 50.5 | 50.3 | 50.1 | 49.9 | 49.7 | 49.6 | 49.4 | 49.2 | 49.1 | 49.0 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 51.2 | 50.9 | 50.6 | 50.3 | 50.1 | 49.8 | 49.6 | 49.4 | 49.2 | 49.0 | 48.8 | 48.6 | 48.4 | 48.3 | 48.1 |
| 27 | 32 | 50.6 | 50.3 | 50.0 | 49.7 | 49.4 | 49.1 | 48.9 | 48.6 | 48.4 | 48.2 | 48.0 | 47.8 | 47.6 | 47.5 | 47.3 |
| 28 | 33 | 50.0 | 49.6 | 49.3 | 49.0 | 48.7 | 48.4 | 48.2 | 47.9 | 47.7 | 47.5 | 47.2 | 47.1 | 46.9 | 46.7 | 46.5 |
| 29 | 34 | 49.4 | 49.0 | 48.7 | 48.3 | 48.0 | 47.7 | 47.5 | 47.2 | 47.0 | 46.7 | 46.5 | 46.3 | 46.1 | 45.9 | 45.7 |
| 30 | 35 | 48.8 | 48.4 | 48.1 | 47.7 | 47.4 | 47.1 | 46.8 | 46.5 | 46.2 | 46.0 | 45.8 | 45.5 | 45.3 | 45.2 | 45.0 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 48.2 | 47.8 | 47.5 | 47.1 | 46.8 | 46.4 | 46.1 | 45.8 | 45.6 | 45.3 | 45.0 | 44.8 | 44.6 | 44.4 | 44.2 |
| 32 | 37 | 47.7 | 47.3 | 46.9 | 46.5 | 46.1 | 45.8 | 45.5 | 45.2 | 44.9 | 44.6 | 44.3 | 44.1 | 43.9 | 43.7 | 43.4 |
| 33 | 38 | 47.2 | 46.7 | 46.3 | 45.9 | 45.5 | 45.2 | 44.8 | 44.5 | 44.2 | 43.9 | 43.7 | 43.4 | 43.2 | 42.9 | 42.7 |
| 34 | 39 | 46.7 | 46.2 | 45.8 | 45.4 | 45.0 | 44.6 | 44.2 | 43.9 | 43.6 | 43.3 | 43.0 | 42.7 | 42.5 | 42.2 | 42.0 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 |
| Female 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 |
| 6 | 11 | 65.4 | 65.4 | 65.3 | 65.3 | 65.3 | 65.3 | 65.3 | 65.2 | 65.2 | 65.2 | 65.2 | 65.2 | 65.2 | 65.2 |
| 7 | 12 | 64.5 | 64.5 | 64.4 | 64.4 | 64.4 | 64.4 | 64.3 | 64.3 | 64.3 | 64.3 | 64.3 | 64.3 | 64.3 | 64.2 |
| 8 | 13 | 63.6 | 63.6 | 63.5 | 63.5 | 63.5 | 63.5 | 63.4 | 63.4 | 63.4 | 63.4 | 63.4 | 63.4 | 63.3 | 63.3 |
| 9 | 14 | 62.7 | 62.7 | 62.7 | 62.6 | 62.6 | 62.6 | 62.5 | 62.5 | 62.5 | 62.5 | 62.5 | 62.4 | 62.4 | 62.4 |
| 10 | 15 | 61.8 | 61.8 | 61.8 | 61.7 | 61.7 | 61.7 | 61.6 | 61.6 | 61.6 | 61.6 | 61.6 | 61.5 | 61.5 | 61.5 |
| | | | | | | | | | | | | | | | |
| 11 | 16 | 61.0 | 60.9 | 60.9 | 60.8 | 60.8 | 60.8 | 60.7 | 60.7 | 60.7 | 60.7 | 60.6 | 60.6 | 60.6 | 60.6 |
| 12 | 17 | 60.1 | 60.0 | 60.0 | 59.9 | 59.9 | 59.9 | 59.8 | 59.8 | 59.8 | 59.8 | 59.7 | 59.7 | 59.7 | 59.7 |
| 13 | 18 | 59.2 | 59.1 | 59.1 | 59.0 | 59.0 | 59.0 | 58.9 | 58.9 | 58.9 | 58.9 | 58.8 | 58.8 | 58.8 | 58.8 |
| 14 | 19 | 58.3 | 58.2 | 58.2 | 58.2 | 58.1 | 58.1 | 58.0 | 58.0 | 58.0 | 57.9 | 57.9 | 57.9 | 57.9 | 57.9 |
| 15 | 20 | 57.4 | 57.4 | 57.3 | 57.3 | 57.2 | 57.2 | 57.1 | 57.1 | 57.1 | 57.0 | 57.0 | 57.0 | 57.0 | 56.9 |
| | | | | | | | | | | | | | | | |
| 16 | 21 | 56.5 | 56.5 | 56.4 | 56.4 | 56.3 | 56.3 | 56.2 | 56.2 | 56.2 | 56.1 | 56.1 | 56.1 | 56.1 | 56.0 |
| 17 | 22 | 55.7 | 55.6 | 55.5 | 55.5 | 55.4 | 55.4 | 55.3 | 55.3 | 55.3 | 55.2 | 55.2 | 55.2 | 55.1 | 55.1 |
| 18 | 23 | 54.8 | 54.7 | 54.7 | 54.6 | 54.6 | 54.5 | 54.5 | 54.4 | 54.4 | 54.3 | 54.3 | 54.3 | 54.2 | 54.2 |
| 19 | 24 | 53.9 | 53.9 | 53.8 | 53.7 | 53.7 | 53.6 | 53.6 | 53.5 | 53.5 | 53.4 | 53.4 | 53.4 | 53.3 | 53.3 |
| 20 | 25 | 53.1 | 53.0 | 52.9 | 52.8 | 52.8 | 52.7 | 52.7 | 52.6 | 52.6 | 52.5 | 52.5 | 52.4 | 52.4 | 52.4 |
| | | | | | | | | | | | | | | | |
| 21 | 26 | 52.2 | 52.1 | 52.0 | 52.0 | 51.9 | 51.8 | 51.8 | 51.7 | 51.7 | 51.6 | 51.6 | 51.5 | 51.5 | 51.5 |
| 22 | 27 | 51.4 | 51.3 | 51.2 | 51.1 | 51.0 | 51.0 | 50.9 | 50.8 | 50.8 | 50.7 | 50.7 | 50.6 | 50.6 | 50.6 |
| 23 | 28 | 50.5 | 50.4 | 50.3 | 50.2 | 50.2 | 50.1 | 50.0 | 50.0 | 49.9 | 49.8 | 49.8 | 49.7 | 49.7 | 49.7 |
| 24 | 29 | 49.7 | 49.6 | 49.5 | 49.4 | 49.3 | 49.2 | 49.1 | 49.1 | 49.0 | 49.0 | 48.9 | 48.9 | 48.8 | 48.8 |
| 25 | 30 | 48.8 | 48.7 | 48.6 | 48.5 | 48.4 | 48.3 | 48.3 | 48.2 | 48.1 | 48.1 | 48.0 | 48.0 | 47.9 | 47.9 |
| | | | | | | | | | | | | | | | |
| 26 | 31 | 48.0 | 47.9 | 47.8 | 47.7 | 47.6 | 47.5 | 47.4 | 47.3 | 47.3 | 47.2 | 47.1 | 47.1 | 47.0 | 47.0 |
| 27 | 32 | 47.2 | 47.1 | 46.9 | 46.8 | 46.7 | 46.6 | 46.5 | 46.5 | 46.4 | 46.3 | 46.2 | 46.2 | 46.1 | 46.1 |
| 28 | 33 | 46.4 | 46.3 | 46.1 | 46.0 | 45.9 | 45.8 | 45.7 | 45.6 | 45.5 | 45.4 | 45.4 | 45.3 | 45.2 | 45.2 |
| 29 | 34 | 45.6 | 45.4 | 45.3 | 45.2 | 45.1 | 44.9 | 44.8 | 44.7 | 44.7 | 44.6 | 44.5 | 44.4 | 44.4 | 44.3 |
| 30 | 35 | 44.8 | 44.6 | 44.5 | 44.4 | 44.2 | 44.1 | 44.0 | 43.9 | 43.8 | 43.7 | 43.6 | 43.6 | 43.5 | 43.4 |
| | | | | | | | | | | | | | | | |
| 31 | 36 | 44.0 | 43.9 | 43.7 | 43.6 | 43.4 | 43.3 | 43.2 | 43.1 | 43.0 | 42.9 | 42.8 | 42.7 | 42.6 | 42.0 |
| 32 | 37 | 43.3 | 43.1 | 42.9 | 42.8 | 42.6 | 42.5 | 42.4 | 42.2 | 42.1 | 42.0 | 41.9 | 41.9 | 41.8 | 41.7 |
| 33 | 38 | 42.5 | 42.3 | 42.1 | 42.0 | 41.8 | 41.7 | 41.5 | 41.4 | 41.3 | 41.2 | 41.1 | 41.0 | 40.9 | 40.8 |
| 34 | 39 | 41.8 | 41.6 | 41.4 | 41.2 | 41.0 | 40.9 | 40.7 | 40.6 | 40.5 | 40.4 | 40.3 | 40.2 | 40.1 | 40.0 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 |
| Female 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 |
| 6 | 11 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 |
| 7 | 12 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.2 | 64.1 | 64.1 |
| 8 | 13 | 63.3 | 63.3 | 63.3 | 63.3 | 63.3 | 63.3 | 63.3 | 63.3 | 63.3 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 |
| 9 | 14 | 62.4 | 62.4 | 62.4 | 62.4 | 62.4 | 62.4 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 |
| 10 | 15 | 61.5 | 61.5 | 61.5 | 61.5 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 60.6 | 60.6 | 60.6 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 |
| 12 | 17 | 59.7 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.6 | 59.5 | 59.5 |
| 13 | 18 | 58.8 | 58.7 | 58.7 | 58.7 | 58.7 | 58.7 | 58.7 | 58.7 | 58.7 | 58.7 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 |
| 14 | 19 | 57.8 | 57.8 | 57.8 | 57.8 | 57.8 | 57.8 | 57.8 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 |
| 15 | 20 | 56.9 | 56.9 | 56.9 | 56.9 | 56.9 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 56.0 | 56.0 | 56.0 | 56.0 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.9 | 55.8 |
| 17 | 22 | 55.1 | 55.1 | 55.1 | 55.0 | 55.0 | 55.0 | 55.0 | 55.0 | 55.0 | 55.0 | 55.0 | 54.9 | 54.9 | 54.9 | 54.9 |
| 18 | 23 | 54.2 | 54.2 | 54.1 | 54.1 | 54.1 | 54.1 | 54.1 | 54.1 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 |
| 19 | 24 | 53.3 | 53.2 | 53.2 | 53.2 | 53.2 | 53.2 | 53.2 | 53.1 | 53.1 | 53.1 | 53.1 | 53.1 | 53.1 | 53.1 | 53.1 |
| 20 | 25 | 52.4 | 52.3 | 52.3 | 52.3 | 52.3 | 52.2 | 52.2 | 52.2 | 52.2 | 52.2 | 52.2 | 52.2 | 52.2 | 52.1 | 52.1 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 51.4 | 51.4 | 51.4 | 51.4 | 51.3 | 51.3 | 51.3 | 51.3 | 51.3 | 51.3 | 51.3 | 51.2 | 51.2 | 51.2 | 51.2 |
| 22 | 27 | 50.5 | 50.5 | 50.5 | 50.5 | 50.4 | 50.4 | 50.4 | 50.4 | 50.4 | 50.3 | 50.3 | 50.3 | 50.3 | 50.3 | 50.3 |
| 23 | 28 | 49.6 | 49.6 | 49.6 | 49.5 | 49.5 | 49.5 | 49.5 | 49.5 | 49.4 | 49.4 | 49.4 | 49.4 | 49.4 | 49.4 | 49.4 |
| 24 | 29 | 48.7 | 48.7 | 48.7 | 48.6 | 48.6 | 48.6 | 48.6 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.5 | 48.4 | 48.4 |
| 25 | 30 | 47.8 | 47.8 | 47.8 | 47.7 | 47.7 | 47.7 | 47.6 | 47.6 | 47.6 | 47.6 | 47.6 | 47.5 | 47.5 | 47.5 | 47.5 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 46.9 | 46.9 | 46.8 | 46.8 | 46.8 | 46.8 | 46.7 | 46.7 | 46.7 | 46.7 | 46.6 | 46.6 | 46.6 | 46.6 | 46.6 |
| 27 | 32 | 46.0 | 46.0 | 45.9 | 45.9 | 45.9 | 45.8 | 45.8 | 45.8 | 45.8 | 45.7 | 45.7 | 45.7 | 45.7 | 45.7 | 45.7 |
| 28 | 33 | 45.1 | 45.1 | 45.1 | 45.0 | 45.0 | 44.9 | 44.9 | 44.9 | 44.9 | 44.8 | 44.8 | 44.8 | 44.8 | 44.8 | 44.8 |
| 29 | 34 | 44.3 | 44.2 | 44.2 | 44.1 | 44.1 | 44.0 | 44.0 | 44.0 | 44.0 | 43.9 | 43.9 | 43.9 | 43.9 | 43.9 | 43.8 |
| 30 | 35 | 43.4 | 43.3 | 43.3 | 43.2 | 43.2 | 43.1 | 43.1 | 43.1 | 43.1 | 43.0 | 43.0 | 43.0 | 43.0 | 42.9 | 42.9 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 42.5 | 42.4 | 42.4 | 42.3 | 42.3 | 42.3 | 42.2 | 42.2 | 42.2 | 42.1 | 42.1 | 42.1 | 42.1 | 42.0 | 42.0 |
| 32 | 37 | 41.6 | 41.6 | 41.5 | 41.5 | 41.4 | 41.4 | 41.3 | 41.3 | 41.3 | 41.2 | 41.2 | 41.2 | 41.2 | 41.1 | 41.1 |
| 33 | 38 | 40.8 | 40.7 | 40.7 | 40.6 | 40.5 | 40.5 | 40.5 | 40.4 | 40.4 | 40.3 | 40.3 | 40.3 | 40.3 | 40.2 | 40.2 |
| 34 | 39 | 39.9 | 39.9 | 39.8 | 39.7 | 39.7 | 39.6 | 39.6 | 39.5 | 39.5 | 39.5 | 39.4 | 39.4 | 39.4 | 39.3 | 39.3 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 |
| Female 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 |
| 6 | 11 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.1 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| 7 | 12 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 |
| 8 | 13 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 |
| 9 | 14 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 |
| 10 | 15 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 |
| | | | | | | | | | | | | | | | |
| 11 | 16 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.5 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 |
| 12 | 17 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 |
| 13 | 18 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 |
| 14 | 19 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 |
| 15 | 20 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.8 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 |
| | | | | | | | | | | | | | | | |
| 16 | 21 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 |
| 17 | 22 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 |
| 18 | 23 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 54.0 | 53.9 |
| 19 | 24 | 53.1 | 53.1 | 53.1 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 |
| 20 | 25 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 |
| | | | | | | | | | | | | | | | |
| 21 | 26 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 |
| 22 | 27 | 50.3 | 50.3 | 50.3 | 50.3 | 50.3 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 |
| 23 | 28 | 49.4 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 |
| 24 | 29 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 |
| 25 | 30 | 47.5 | 47.5 | 47.5 | 47.5 | 47.5 | 47.5 | 47.5 | 47.5 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 |
| | | | | | | | | | | | | | | | |
| 26 | 31 | 46.6 | 46.6 | 46.6 | 46.6 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 |
| 27 | 32 | 45.7 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 |
| 28 | 33 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 |
| 29 | 34 | 43.8 | 43.8 | 43.8 | 43.8 | 43.8 | 43.8 | 43.8 | 43.8 | 43.8 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 |
| 30 | 35 | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 |
| | | | | | | | | | | | | | | | |
| 31 | 36 | 42.0 | 42.0 | 42.0 | 42.0 | 42.0 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 |
| 32 | 37 | 41.1 | 41.1 | 41.1 | 41.1 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 |
| 33 | 38 | 40.2 | 40.2 | 40.2 | 40.2 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 |
| 34 | 39 | 39.3 | 39.3 | 39.3 | 39.3 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 6 | 11 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| 7 | 12 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 | 64.1 |
| 8 | 13 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 | 63.2 |
| 9 | 14 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 | 62.3 |
| 10 | 15 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 | 61.4 |
| | | | | | | | | | | | | | | | | | |
| 11 | 16 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 | 60.4 |
| 12 | 17 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 | 59.5 |
| 13 | 18 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 | 58.6 |
| 14 | 19 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 | 57.7 |
| 15 | 20 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 | 56.7 |
| | | | | | | | | | | | | | | | | | |
| 16 | 21 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 | 55.8 |
| 17 | 22 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 | 54.9 |
| 18 | 23 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 | 53.9 |
| 19 | 24 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 | 53.0 |
| 20 | 25 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 | 52.1 |
| | | | | | | | | | | | | | | | | | |
| 21 | 26 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.2 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 |
| 22 | 27 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 | 50.2 |
| 23 | 28 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 | 49.3 |
| 24 | 29 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.4 | 48.3 | 48.3 |
| 25 | 30 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 | 47.4 |
| | | | | | | | | | | | | | | | | | |
| 26 | 31 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 | 46.5 |
| 27 | 32 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 | 45.6 |
| 28 | 33 | 44.7 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 |
| 29 | 34 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 |
| 30 | 35 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 |
| | | | | | | | | | | | | | | | | | |
| 31 | 36 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 | 41.9 |
| 32 | 37 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 | 41.0 |
| 33 | 38 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.0 |
| 34 | 39 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.2 | 39.1 | 39.1 | 39.1 | 39.1 | 39.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 |
| Female 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 |
| 35 | 40 | 46.2 | 45.7 | 45.3 | 44.8 | 44.4 | 44.0 | 43.6 | 43.3 | 43.0 | 42.6 | 42.3 | 42.0 | 41.8 |
| 36 | 41 | 45.7 | 45.2 | 44.8 | 44.3 | 43.9 | 43.5 | 43.1 | 42.7 | 42.3 | 42.0 | 41.7 | 41.4 | 41.1 |
| 37 | 42 | 45.3 | 44.8 | 44.3 | 43.8 | 43.4 | 42.9 | 42.5 | 42.1 | 41.8 | 41.4 | 41.1 | 40.7 | 40.4 |
| 38 | 43 | 44.8 | 44.3 | 43.8 | 43.3 | 42.9 | 42.4 | 42.0 | 41.6 | 41.2 | 40.8 | 40.5 | 40.1 | 39.8 |
| 39 | 44 | 44.4 | 43.9 | 43.4 | 42.9 | 42.4 | 41.9 | 41.5 | 41.0 | 40.6 | 40.2 | 39.9 | 39.5 | 39.2 |
| 40 | 45 | 44.0 | 43.5 | 42.9 | 42.4 | 41.9 | 41.4 | 41.0 | 40.5 | 40.1 | 39.7 | 39.3 | 38.9 | 38.6 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 43.6 | 43.1 | 42.5 | 42.0 | 41.5 | 41.0 | 40.5 | 40.0 | 39.6 | 39.2 | 38.8 | 38.4 | 38.0 |
| 42 | 47 | 43.3 | 42.7 | 42.1 | 41.6 | 41.0 | 40.5 | 40.0 | 39.6 | 39.1 | 38.7 | 38.2 | 37.8 | 37.5 |
| 43 | 48 | 43.0 | 42.3 | 41.8 | 41.2 | 40.6 | 40.1 | 39.6 | 39.1 | 38.6 | 38.2 | 37.7 | 37.3 | 36.9 |
| 44 | 49 | 42.6 | 42.0 | 41.4 | 40.8 | 40.2 | 39.7 | 39.2 | 38.7 | 38.2 | 37.7 | 37.2 | 36.8 | 36.4 |
| 45 | 50 | 42.3 | 41.7 | 41.1 | 40.5 | 39.9 | 39.3 | 38.8 | 38.2 | 37.7 | 37.2 | 36.8 | 36.3 | 35.9 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 42.0 | 41.4 | 40.7 | 40.1 | 39.5 | 38.9 | 38.4 | 37.8 | 37.3 | 36.8 | 36.3 | 35.9 | 35.4 |
| 47 | 52 | 41.8 | 41.1 | 40.4 | 39.8 | 39.2 | 38.6 | 38.0 | 37.5 | 36.9 | 36.4 | 35.9 | 35.4 | 35.0 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 |
| Female 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 35 | 40 | 41.5 | 41.3 | 41.0 | 40.8 | 40.6 | 40.4 | 40.3 | 40.1 | 40.0 | 39.8 | 39.7 | 39.6 | 39.5 |
| 36 | 41 | 40.8 | 40.6 | 40.3 | 40.1 | 39.9 | 39.7 | 39.5 | 39.3 | 39.2 | 39.0 | 38.9 | 38.8 | 38.6 |
| 37 | 42 | 40.2 | 39.9 | 39.6 | 39.4 | 39.2 | 39.0 | 38.8 | 38.6 | 38.4 | 38.3 | 38.1 | 38.0 | 37.9 |
| 38 | 43 | 39.5 | 39.2 | 39.0 | 38.7 | 38.5 | 38.3 | 38.1 | 37.9 | 37.7 | 37.5 | 37.3 | 37.2 | 37.1 |
| 39 | 44 | 38.9 | 38.6 | 38.3 | 38.0 | 37.8 | 37.6 | 37.3 | 37.1 | 36.9 | 36.8 | 36.6 | 36.4 | 36.3 |
| 40 | 45 | 38.3 | 38.0 | 37.7 | 37.4 | 37.1 | 36.9 | 36.6 | 36.4 | 36.2 | 36.0 | 35.9 | 35.7 | 35.5 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 37.7 | 37.3 | 37.0 | 36.7 | 36.5 | 36.2 | 36.0 | 35.7 | 35.5 | 35.3 | 35.1 | 35.0 | 34.8 |
| 42 | 47 | 37.1 | 36.8 | 36.4 | 36.1 | 35.8 | 35.6 | 35.3 | 35.1 | 34.8 | 34.6 | 34.4 | 34.2 | 34.1 |
| 43 | 48 | 36.5 | 36.2 | 35.8 | 35.5 | 35.2 | 34.9 | 34.7 | 34.4 | 34.2 | 33.9 | 33.7 | 33.5 | 33.3 |
| 44 | 49 | 36.0 | 35.6 | 35.3 | 34.9 | 34.6 | 34.3 | 34.0 | 33.8 | 33.5 | 33.3 | 33.0 | 32.8 | 32.6 |
| 45 | 50 | 35.5 | 35.1 | 34.7 | 34.4 | 34.0 | 33.7 | 33.4 | 33.1 | 32.9 | 32.6 | 32.4 | 32.2 | 31.9 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 35.0 | 34.6 | 34.2 | 33.8 | 33.5 | 33.1 | 32.8 | 32.5 | 32.2 | 32.0 | 31.7 | 31.5 | 31.3 |
| 47 | 52 | 34.5 | 34.1 | 33.7 | 33.3 | 32.9 | 32.6 | 32.2 | 31.9 | 31.6 | 31.4 | 31.1 | 30.9 | 30.6 |
| 48 | 53 | 34.0 | 33.6 | 33.2 | 32.8 | 32.4 | 32.0 | 31.7 | 31.4 | 31.1 | 30.8 | 30.5 | 30.2 | 30.0 |
| 49 | 54 | 33.6 | 33.1 | 32.7 | 32.3 | 31.9 | 31.5 | 31.2 | 30.8 | 30.5 | 30.2 | 29.9 | 29.6 | 29.4 |
| 50 | 55 | 33.2 | 32.7 | 32.3 | 31.8 | 31.4 | 31.0 | 30.6 | 30.3 | 29.9 | 29.6 | 29.3 | 29.0 | 28.8 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 32.8 | 32.3 | 31.8 | 31.4 | 30.9 | 30.5 | 30.1 | 29.8 | 29.4 | 29.1 | 28.8 | 28.5 | 28.2 |
| 52 | 57 | 32.4 | 31.9 | 31.4 | 30.9 | 30.5 | 30.1 | 29.7 | 29.3 | 28.9 | 28.6 | 28.2 | 27.9 | 27.6 |
| 53 | 58 | 32.0 | 31.5 | 31.0 | 30.5 | 30.1 | 29.6 | 29.2 | 28.8 | 28.4 | 28.1 | 27.7 | 27.4 | 27.1 |
| 54 | 59 | 31.7 | 31.2 | 30.6 | 30.1 | 29.7 | 29.2 | 28.8 | 28.3 | 27.9 | 27.6 | 27.2 | 26.9 | 26.5 |
| 55 | 60 | 31.4 | 30.8 | 30.3 | 29.8 | 29.3 | 28.8 | 28.3 | 27.9 | 27.5 | 27.1 | 26.7 | 26.4 | 26.0 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 31.1 | 30.5 | 29.9 | 29.4 | 28.9 | 28.4 | 27.9 | 27.5 | 27.1 | 26.7 | 26.3 | 25.9 | 25.5 |
| 57 | 62 | 30.8 | 30.2 | 29.6 | 29.1 | 28.6 | 28.1 | 27.6 | 27.1 | 26.7 | 26.2 | 25.8 | 25.4 | 25.1 |
| 58 | 63 | 30.5 | 29.9 | 29.3 | 28.8 | 28.2 | 27.7 | 27.2 | 26.7 | 26.3 | 25.8 | 25.4 | 25.0 | 24.6 |
| 59 | 64 | 30.2 | 29.6 | 29.0 | 28.5 | 27.9 | 27.4 | 26.9 | 26.4 | 25.9 | 25.4 | 25.0 | 24.6 | 24.2 |
| 60 | 65 | 30.0 | 29.4 | 28.8 | 28.2 | 27.6 | 27.1 | 26.5 | 26.0 | 25.5 | 25.1 | 24.6 | 24.2 | 23.8 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 |
| Female 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 |
| 35 | 40 | 39.4 | 39.3 | 39.2 | 39.1 | 39.0 | 38.9 | 38.9 | 38.8 | 38.8 | 38.7 | 38.7 | 38.6 | 38.6 |
| 36 | 41 | 38.5 | 38.4 | 38.3 | 38.2 | 38.2 | 38.1 | 38.0 | 38.0 | 37.9 | 37.9 | 37.8 | 37.8 | 37.7 |
| 37 | 42 | 37.7 | 37.6 | 37.5 | 37.4 | 37.3 | 37.3 | 37.2 | 37.1 | 37.1 | 37.0 | 36.9 | 36.9 | 36.9 |
| 38 | 43 | 36.9 | 36.8 | 36.7 | 36.6 | 36.5 | 36.4 | 36.4 | 36.3 | 36.2 | 36.2 | 36.1 | 36.0 | 36.0 |
| 39 | 44 | 36.2 | 36.0 | 35.9 | 35.8 | 35.7 | 35.6 | 35.5 | 35.5 | 35.4 | 35.3 | 35.3 | 35.2 | 35.2 |
| 40 | 45 | 35.4 | 35.3 | 35.1 | 35.0 | 34.9 | 34.8 | 34.7 | 34.6 | 34.6 | 34.5 | 34.4 | 34.4 | 34.3 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 34.6 | 34.5 | 34.4 | 34.2 | 34.1 | 34.0 | 33.9 | 33.8 | 33.8 | 33.7 | 33.6 | 33.5 | 33.5 |
| 42 | 47 | 33.9 | 33.7 | 33.6 | 33.5 | 33.4 | 33.2 | 33.1 | 33.0 | 33.0 | 32.9 | 32.8 | 32.7 | 32.7 |
| 43 | 48 | 33.2 | 33.0 | 32.9 | 32.7 | 32.6 | 32.5 | 32.4 | 32.3 | 32.2 | 32.1 | 32.0 | 31.9 | 31.9 |
| 44 | 49 | 32.5 | 32.3 | 32.1 | 32.0 | 31.8 | 31.7 | 31.6 | 31.5 | 31.4 | 31.3 | 31.2 | 31.1 | 31.1 |
| 45 | 50 | 31.8 | 31.6 | 31.4 | 31.3 | 31.1 | 31.0 | 30.8 | 30.7 | 30.6 | 30.5 | 30.4 | 30.4 | 30.3 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 31.1 | 30.9 | 30.7 | 30.5 | 30.4 | 30.2 | 30.1 | 30.0 | 29.9 | 29.8 | 29.7 | 29.6 | 29.5 |
| 47 | 52 | 30.4 | 30.2 | 30.0 | 29.8 | 29.7 | 29.5 | 29.4 | 29.3 | 29.1 | 29.0 | 28.9 | 28.8 | 28.7 |
| 48 | 53 | 29.8 | 29.5 | 29.3 | 29.2 | 29.0 | 28.8 | 28.7 | 28.5 | 28.4 | 28.3 | 28.2 | 28.1 | 28.0 |
| 49 | 54 | 29.1 | 28.9 | 28.7 | 28.5 | 28.3 | 28.1 | 28.0 | 27.8 | 27.7 | 27.6 | 27.5 | 27.4 | 27.3 |
| 50 | 55 | 28.5 | 28.3 | 28.1 | 27.8 | 27.6 | 27.5 | 27.3 | 27.1 | 27.0 | 26.9 | 26.7 | 26.6 | 26.5 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 27.9 | 27.7 | 27.4 | 27.2 | 27.0 | 26.8 | 26.6 | 26.5 | 26.3 | 26.2 | 26.0 | 25.9 | 25.8 |
| 52 | 57 | 27.3 | 27.1 | 26.8 | 26.6 | 26.4 | 26.2 | 26.0 | 25.8 | 25.7 | 25.5 | 25.4 | 25.2 | 25.1 |
| 53 | 58 | 26.8 | 26.5 | 26.2 | 26.0 | 25.8 | 25.6 | 25.4 | 25.2 | 25.0 | 24.8 | 24.7 | 24.6 | 24.4 |
| 54 | 59 | 26.2 | 25.9 | 25.7 | 25.4 | 25.2 | 25.0 | 24.7 | 24.6 | 24.4 | 24.2 | 24.0 | 23.9 | 23.8 |
| 55 | 60 | 25.7 | 25.4 | 25.1 | 24.9 | 24.6 | 24.4 | 24.1 | 23.9 | 23.8 | 23.6 | 23.4 | 23.3 | 23.1 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 25.2 | 24.9 | 24.6 | 24.3 | 24.1 | 23.8 | 23.6 | 23.4 | 23.2 | 23.0 | 22.8 | 22.6 | 22.5 |
| 57 | 62 | 24.7 | 24.4 | 24.1 | 23.8 | 23.5 | 23.3 | 23.0 | 22.8 | 22.6 | 22.4 | 22.2 | 22.0 | 21.9 |
| 58 | 63 | 24.3 | 23.9 | 23.6 | 23.3 | 23.0 | 22.7 | 22.5 | 22.2 | 22.0 | 21.8 | 21.6 | 21.4 | 21.3 |
| 59 | 64 | 23.8 | 23.5 | 23.1 | 22.8 | 22.5 | 22.2 | 21.9 | 21.7 | 21.5 | 21.2 | 21.0 | 20.9 | 20.7 |
| 60 | 65 | 23.4 | 23.0 | 22.7 | 22.3 | 22.0 | 21.7 | 21.4 | 21.2 | 20.9 | 20.7 | 20.5 | 20.3 | 20.1 |
| | | | | | | | | | | | | | | |
| 61 | 66 | 23.0 | 22.6 | 22.2 | 21.9 | 21.6 | 21.3 | 21.0 | 20.7 | 20.4 | 20.2 | 20.0 | 19.8 | 19.6 |
| 62 | 67 | 22.6 | 22.2 | 21.8 | 21.5 | 21.1 | 20.8 | 20.5 | 20.2 | 19.9 | 19.7 | 19.5 | 19.2 | 19.0 |
| 63 | 68 | 22.2 | 21.8 | 21.4 | 21.1 | 20.7 | 20.4 | 20.1 | 19.8 | 19.5 | 19.2 | 19.0 | 18.7 | 18.5 |
| 64 | 69 | 21.9 | 21.5 | 21.1 | 20.7 | 20.3 | 20.0 | 19.6 | 19.3 | 19.0 | 18.7 | 18.5 | 18.2 | 18.0 |
| 65 | 70 | 21.6 | 21.1 | 20.7 | 20.3 | 19.9 | 19.6 | 19.2 | 18.9 | 18.6 | 18.3 | 18.0 | 17.8 | 17.5 |
| | | | | | | | | | | | | | | |
| 66 | 71 | 21.3 | 20.8 | 20.4 | 20.0 | 19.6 | 19.2 | 18.8 | 18.5 | 18.2 | 17.9 | 17.6 | 17.3 | 17.1 |
| 67 | 72 | 21.0 | 20.5 | 20.1 | 19.6 | 19.2 | 18.8 | 18.5 | 18.1 | 17.8 | 17.5 | 17.2 | 16.9 | 16.7 |
| 68 | 73 | 20.7 | 20.2 | 19.8 | 19.3 | 18.9 | 18.5 | 18.1 | 17.8 | 17.4 | 17.1 | 16.8 | 16.5 | 16.2 |
| 69 | 74 | 20.4 | 19.9 | 19.5 | 19.0 | 18.6 | 18.2 | 17.8 | 17.4 | 17.1 | 16.7 | 16.4 | 16.1 | 15.8 |
| 70 | 75 | 20.2 | 19.7 | 19.2 | 18.7 | 18.3 | 17.9 | 17.5 | 17.1 | 16.7 | 16.4 | 16.1 | 15.8 | 15.5 |
| | | | | | | | | | | | | | | |
| 71 | 76 | 20.0 | 19.5 | 19.0 | 18.5 | 18.0 | 17.6 | 17.2 | 16.8 | 16.4 | 16.1 | 15.7 | 15.4 | 15.1 |
| 72 | 77 | 19.8 | 19.2 | 18.7 | 18.2 | 17.8 | 17.3 | 16.9 | 16.5 | 16.1 | 15.8 | 15.4 | 15.1 | 14.8 |
| 73 | 78 | 19.6 | 19.0 | 18.5 | 18.0 | 17.5 | 17.1 | 16.7 | 16.2 | 15.8 | 15.5 | 15.1 | 14.8 | 14.4 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 |
| Female 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 |
| 35 | 40 | 38.6 | 38.5 | 38.5 | 38.5 | 38.4 | 38.4 | 38.4 | 38.4 | 38.4 | 38.4 | 38.3 | 38.3 |
| 36 | 41 | 37.7 | 37.6 | 37.6 | 37.6 | 37.6 | 27.5 | 37.5 | 37.5 | 37.5 | 37.5 | 37.5 | 37.4 |
| 37 | 42 | 36.8 | 36.8 | 36.7 | 36.7 | 36.7 | 36.7 | 36.6 | 36.6 | 36.6 | 36.6 | 36.6 | 36.6 |
| 38 | 43 | 36.0 | 35.9 | 35.9 | 35.9 | 35.8 | 35.8 | 35.8 | 35.8 | 35.7 | 35.7 | 35.7 | 35.7 |
| 39 | 44 | 35.1 | 35.1 | 35.0 | 35.0 | 35.0 | 34.9 | 34.9 | 34.9 | 34.9 | 34.8 | 34.8 | 34.8 |
| 40 | 45 | 34.3 | 34.2 | 34.2 | 34.1 | 34.1 | 34.1 | 34.1 | 34.0 | 34.0 | 34.0 | 34.0 | 34.0 |
| | | | | | | | | | | | | | |
| 41 | 46 | 33.4 | 33.4 | 33.3 | 33.3 | 33.3 | 33.2 | 33.2 | 33.2 | 33.2 | 33.1 | 33.1 | 33.1 |
| 42 | 47 | 32.6 | 32.6 | 32.5 | 32.5 | 32.4 | 32.4 | 32.4 | 32.3 | 32.3 | 32.3 | 32.3 | 32.3 |
| 43 | 48 | 31.8 | 31.8 | 31.7 | 31.7 | 31.6 | 31.6 | 31.5 | 31.5 | 31.5 | 31.5 | 31.4 | 31.4 |
| 44 | 49 | 31.0 | 30.9 | 30.9 | 30.8 | 30.8 | 30.8 | 30.7 | 30.7 | 30.7 | 30.6 | 30.6 | 30.6 |
| 45 | 50 | 30.2 | 30.1 | 30.1 | 30.0 | 30.0 | 29.9 | 29.9 | 29.9 | 29.8 | 29.8 | 29.8 | 29.8 |
| | | | | | | | | | | | | | |
| 46 | 51 | 29.4 | 29.4 | 29.3 | 29.2 | 29.2 | 29.2 | 29.1 | 29.1 | 29.0 | 29.0 | 29.0 | 28.9 |
| 47 | 52 | 28.7 | 28.6 | 28.5 | 28.5 | 28.4 | 28.4 | 28.3 | 28.3 | 28.2 | 28.2 | 28.2 | 28.1 |
| 48 | 53 | 27.9 | 27.8 | 27.8 | 27.7 | 27.6 | 27.6 | 27.5 | 27.5 | 27.5 | 27.4 | 27.4 | 27.4 |
| 49 | 54 | 27.2 | 27.1 | 27.0 | 26.9 | 26.9 | 26.8 | 26.8 | 26.7 | 26.7 | 26.6 | 26.6 | 26.6 |
| 50 | 55 | 26.4 | 26.3 | 26.3 | 26.2 | 26.1 | 26.1 | 26.0 | 26.0 | 25.9 | 25.9 | 25.8 | 25.8 |
| | | | | | | | | | | | | | |
| 51 | 56 | 25.7 | 25.6 | 25.5 | 25.5 | 25.4 | 25.3 | 25.3 | 25.2 | 25.2 | 25.1 | 25.1 | 25.0 |
| 52 | 57 | 25.0 | 24.9 | 24.8 | 24.7 | 24.7 | 24.6 | 24.5 | 24.5 | 24.4 | 24.4 | 24.3 | 24.3 |
| 53 | 58 | 24.3 | 24.2 | 24.1 | 24.0 | 23.9 | 23.9 | 23.8 | 23.7 | 23.7 | 23.6 | 23.6 | 23.5 |
| 54 | 59 | 23.6 | 23.5 | 23.4 | 23.3 | 23.2 | 23.2 | 23.1 | 23.0 | 23.0 | 22.9 | 22.9 | 22.8 |
| 55 | 60 | 23.0 | 22.9 | 22.8 | 22.7 | 22.6 | 22.5 | 22.4 | 22.3 | 22.3 | 22.2 | 22.2 | 22.1 |
| | | | | | | | | | | | | | |
| 56 | 61 | 22.3 | 22.2 | 22.1 | 22.0 | 21.9 | 21.8 | 21.7 | 21.6 | 21.6 | 21.5 | 21.5 | 21.4 |
| 57 | 62 | 21.7 | 21.6 | 21.5 | 21.3 | 21.2 | 21.1 | 21.1 | 21.0 | 20.9 | 20.8 | 20.8 | 20.7 |
| 58 | 63 | 21.1 | 21.0 | 20.8 | 20.7 | 20.6 | 20.5 | 20.4 | 20.3 | 20.2 | 20.2 | 20.1 | 20.0 |
| 59 | 64 | 20.5 | 20.4 | 20.2 | 20.1 | 20.0 | 19.9 | 19.8 | 19.7 | 19.6 | 19.5 | 19.4 | 19.4 |
| 60 | 65 | 19.9 | 19.8 | 19.6 | 19.5 | 19.4 | 19.3 | 19.1 | 19.0 | 19.0 | 18.9 | 18.8 | 18.7 |
| | | | | | | | | | | | | | |
| 61 | 66 | 19.4 | 19.2 | 19.1 | 18.9 | 18.8 | 18.7 | 18.5 | 18.4 | 18.3 | 18.3 | 18.2 | 18.1 |
| 62 | 67 | 18.8 | 18.7 | 18.5 | 18.3 | 18.2 | 18.1 | 18.0 | 17.8 | 17.7 | 17.7 | 17.6 | 17.5 |
| 63 | 68 | 18.3 | 18.1 | 18.0 | 17.8 | 17.6 | 17.5 | 17.4 | 17.3 | 17.2 | 17.1 | 17.0 | 16.9 |
| 64 | 69 | 17.8 | 17.6 | 17.4 | 17.3 | 17.1 | 17.0 | 16.8 | 16.7 | 16.6 | 16.5 | 16.4 | 16.3 |
| 65 | 70 | 17.3 | 17.1 | 16.9 | 16.7 | 16.6 | 16.4 | 16.3 | 16.2 | 16.0 | 15.9 | 15.8 | 15.8 |
| | | | | | | | | | | | | | |
| 66 | 71 | 16.9 | 16.6 | 16.4 | 16.3 | 16.1 | 15.9 | 15.8 | 15.6 | 15.5 | 15.4 | 15.3 | 15.2 |
| 67 | 72 | 16.4 | 16.2 | 16.0 | 15.8 | 15.6 | 15.4 | 15.3 | 15.1 | 15.0 | 14.9 | 14.8 | 14.7 |
| 68 | 73 | 16.0 | 15.7 | 15.5 | 15.3 | 15.1 | 15.0 | 14.8 | 14.6 | 14.5 | 14.4 | 14.3 | 14.2 |
| 69 | 74 | 15.6 | 15.3 | 15.1 | 14.9 | 14.7 | 14.5 | 14.3 | 14.2 | 14.0 | 13.9 | 13.8 | 13.7 |
| 70 | 75 | 15.2 | 14.9 | 14.7 | 14.5 | 14.3 | 14.1 | 13.9 | 13.7 | 13.6 | 13.4 | 13.3 | 13.2 |
| | | | | | | | | | | | | | |
| 71 | 76 | 14.8 | 14.5 | 14.3 | 14.1 | 13.8 | 13.6 | 13.5 | 13.3 | 13.1 | 13.0 | 12.8 | 12.7 |
| 72 | 77 | 14.5 | 14.2 | 13.9 | 13.7 | 13.5 | 13.2 | 13.0 | 12.9 | 12.7 | 12.5 | 12.4 | 12.3 |
| 73 | 78 | 14.1 | 13.8 | 13.6 | 13.3 | 13.1 | 12.9 | 12.7 | 12.5 | 12.3 | 12.1 | 12.0 | 11.8 |
| 74 | 79 | 13.8 | 13.5 | 13.2 | 13.0 | 12.7 | 12.5 | 12.3 | 12.1 | 11.9 | 11.7 | 11.6 | 11.4 |
| 75 | 80 | 13.5 | 13.2 | 12.9 | 12.6 | 12.4 | 12.2 | 11.9 | 11.7 | 11.5 | 11.4 | 11.2 | 11.0 |
| | | | | | | | | | | | | | |
| 76 | 81 | 13.2 | 12.9 | 12.6 | 12.3 | 12.1 | 11.8 | 11.6 | 11.4 | 11.2 | 11.0 | 10.8 | 10.7 |
| 77 | 82 | 13.0 | 12.6 | 12.3 | 12.1 | 11.8 | 11.5 | 11.3 | 11.1 | 10.8 | 10.7 | 10.5 | 10.3 |
| 78 | 83 | 12.7 | 12.4 | 12.1 | 11.8 | 11.5 | 11.2 | 11.0 | 10.7 | 10.5 | 10.3 | 10.1 | 10.0 |
| 79 | 84 | 12.5 | 12.2 | 11.8 | 11.5 | 11.2 | 11.0 | 10.7 | 10.5 | 10.2 | 10.0 | 9.8 | 9.6 |
| 80 | 85 | 12.3 | 11.9 | 11.6 | 11.3 | 11.0 | 10.7 | 10.4 | 10.2 | 10.0 | 9.7 | 9.5 | 9.3 |
| | | | | | | | | | | | | | |
| 81 | 86 | 12.1 | 11.7 | 11.4 | 11.1 | 10.7 | 10.5 | 10.2 | 9.9 | 9.7 | 9.5 | 9.3 | 9.1 |
| 82 | 87 | 11.9 | 11.5 | 11.2 | 10.8 | 10.5 | 10.2 | 10.0 | 9.7 | 9.4 | 9.2 | 9.0 | 8.8 |
| 83 | 88 | 11.7 | 11.4 | 11.0 | 10.7 | 10.3 | 10.0 | 9.7 | 9.5 | 9.2 | 9.0 | 8.7 | 8.5 |
| 84 | 89 | 11.6 | 11.2 | 10.8 | 10.5 | 10.1 | 9.8 | 9.5 | 9.3 | 9.0 | 8.7 | 8.5 | 8.3 |
| 85 | 90 | 11.4 | 11.0 | 10.7 | 10.3 | 10.0 | 9.6 | 9.3 | 9.1 | 8.8 | 8.5 | 8.3 | 8.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 |
| Female 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 |
| 35 | 40 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 |
| 36 | 41 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 |
| 37 | 42 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 |
| 38 | 43 | 35.7 | 35.7 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 |
| 39 | 44 | 34.8 | 34.8 | 34.8 | 34.8 | 34.8 | 34.8 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 |
| 40 | 45 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 | 33.9 |
| | | | | | | | | | | | | | |
| 41 | 46 | 33.1 | 33.1 | 33.1 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 |
| 42 | 47 | 32.2 | 32.2 | 32.2 | 32.2 | 32.2 | 32.2 | 32.2 | 32.2 | 32.2 | 32.1 | 32.1 | 32.1 |
| 43 | 48 | 31.4 | 31.4 | 31.4 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 |
| 44 | 49 | 30.6 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.5 | 30.4 |
| 45 | 50 | 29.7 | 29.7 | 29.7 | 29.7 | 29.7 | 29.7 | 29.7 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 |
| | | | | | | | | | | | | | |
| 46 | 51 | 28.9 | 28.9 | 28.9 | 28.9 | 28.9 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 |
| 47 | 52 | 28.1 | 28.1 | 28.1 | 28.1 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 |
| 48 | 53 | 27.3 | 27.3 | 27.3 | 27.3 | 27.2 | 27.2 | 27.2 | 27.2 | 27.2 | 27.2 | 27.2 | 27.2 |
| 49 | 54 | 26.5 | 26.5 | 26.5 | 26.5 | 26.5 | 26.4 | 26.4 | 26.4 | 26.4 | 26.4 | 26.4 | 26.4 |
| 50 | 55 | 25.8 | 25.7 | 25.7 | 25.7 | 25.7 | 25.7 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 |
| | | | | | | | | | | | | | |
| 51 | 56 | 25.0 | 25.0 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.8 | 24.8 | 24.8 | 24.8 |
| 52 | 57 | 24.3 | 24.2 | 24.2 | 24.2 | 24.1 | 24.1 | 24.1 | 24.1 | 24.1 | 24.1 | 24.1 | 24.0 |
| 53 | 58 | 23.5 | 23.5 | 23.4 | 23.4 | 23.4 | 23.4 | 23.4 | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 |
| 54 | 59 | 22.8 | 22.7 | 22.7 | 22.7 | 22.7 | 22.6 | 22.6 | 22.6 | 22.6 | 22.6 | 22.6 | 22.5 |
| 55 | 60 | 22.1 | 22.0 | 22.0 | 22.0 | 21.9 | 21.9 | 21.9 | 21.9 | 21.8 | 21.8 | 21.8 | 21.8 |
| | | | | | | | | | | | | | |
| 56 | 61 | 21.4 | 21.3 | 21.3 | 21.3 | 21.2 | 21.2 | 21.2 | 21.1 | 21.1 | 21.1 | 21.1 | 21.1 |
| 57 | 62 | 20.7 | 20.6 | 20.6 | 20.6 | 20.5 | 20.5 | 20.5 | 20.4 | 20.4 | 20.4 | 20.4 | 20.4 |
| 58 | 63 | 20.0 | 19.9 | 19.9 | 19.9 | 19.8 | 19.8 | 19.8 | 19.8 | 19.7 | 19.7 | 19.7 | 19.7 |
| 59 | 64 | 19.3 | 19.3 | 19.2 | 19.2 | 19.2 | 19.1 | 19.1 | 19.1 | 19.0 | 19.0 | 19.0 | 19.0 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 35 | 40 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.3 | 38.2 | 38.2 | 38.2 | 38.2 | 38.2 |
| 36 | 41 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.3 |
| 37 | 42 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 |
| 38 | 43 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 | 35.6 |
| 39 | 44 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 | 34.7 |
| | | | | | | | | | | | | |
| 40 | 45 | 33.9 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 |
| 41 | 46 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 | 33.0 |
| 42 | 47 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 | 32.1 |
| 43 | 48 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 | 31.3 |
| 44 | 49 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 | 30.4 |
| 45 | 50 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 | 29.6 |
| | | | | | | | | | | | | |
| 46 | 51 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.8 | 28.7 |
| 47 | 52 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 28.0 | 27.9 | 27.9 | 27.9 | 27.9 |
| 48 | 53 | 27.2 | 27.2 | 27.2 | 27.2 | 27.2 | 27.1 | 27.1 | 27.1 | 27.1 | 27.1 | 27.1 |
| 49 | 54 | 26.4 | 26.4 | 26.4 | 26.4 | 26.4 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 | 26.3 |
| 50 | 55 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 | 25.5 | 25.5 | 25.5 |
| | | | | | | | | | | | | |
| 51 | 56 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.7 |
| 52 | 57 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 |
| 53 | 58 | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 |
| 54 | 59 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 | 22.5 |
| 55 | 60 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.8 | 21.7 | 21.7 |
| | | | | | | | | | | | | |
| 56 | 61 | 21.1 | 21.1 | 21.1 | 21.1 | 21.1 | 21.0 | 21.0 | 21.0 | 21.0 | 21.0 | 21.0 |
| 57 | 62 | 20.4 | 20.4 | 20.4 | 20.3 | 20.3 | 20.3 | 20.3 | 20.3 | 20.3 | 20.3 | 20.3 |
| 58 | 63 | 19.7 | 19.7 | 19.7 | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 | 19.6 |
| 59 | 64 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | 18.9 | 18.9 | 18.9 | 18.9 | 18.9 | 18.9 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 |
| Female 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 |
| 60 | 65 | 18.7 | 18.6 | 18.6 | 18.5 | 18.5 | 18.5 | 18.4 | 18.4 | 18.4 | 18.4 | 18.3 | 18.3 |
| 61 | 66 | 18.1 | 18.0 | 17.9 | 17.9 | 17.9 | 17.8 | 17.8 | 17.8 | 17.7 | 17.7 | 17.7 | 17.7 |
| 62 | 67 | 17.4 | 17.4 | 17.3 | 17.3 | 17.2 | 17.2 | 17.1 | 17.1 | 17.1 | 17.1 | 17.0 | 17.0 |
| 63 | 68 | 16.8 | 16.8 | 16.7 | 16.7 | 16.6 | 16.6 | 16.5 | 16.5 | 16.5 | 16.4 | 16.4 | 16.4 |
| 64 | 69 | 16.2 | 16.2 | 16.1 | 16.1 | 16.0 | 16.0 | 15.9 | 15.9 | 15.9 | 15.8 | 15.8 | 15.8 |
| 65 | 70 | 15.7 | 15.6 | 15.5 | 15.5 | 15.4 | 15.4 | 15.3 | 15.3 | 15.3 | 15.2 | 15.2 | 15.2 |
| | | | | | | | | | | | | | |
| 66 | 71 | 15.1 | 15.0 | 15.0 | 14.9 | 14.8 | 14.8 | 14.7 | 14.7 | 14.7 | 14.6 | 14.6 | 14.6 |
| 67 | 72 | 14.6 | 14.5 | 14.4 | 14.4 | 14.3 | 14.2 | 14.2 | 14.1 | 14.1 | 14.1 | 14.1 | 14.0 |
| 68 | 73 | 14.1 | 14.0 | 13.9 | 13.8 | 13.8 | 13.7 | 13.6 | 13.6 | 13.6 | 13.5 | 13.5 | 13.5 |
| 69 | 74 | 13.6 | 13.5 | 13.4 | 13.3 | 13.2 | 13.2 | 13.1 | 13.1 | 13.0 | 13.0 | 13.0 | 12.9 |
| 70 | 75 | 13.1 | 13.0 | 12.9 | 12.8 | 12.7 | 12.7 | 12.6 | 12.5 | 12.5 | 12.5 | 12.4 | 12.4 |
| | | | | | | | | | | | | | |
| 71 | 76 | 12.6 | 12.5 | 12.4 | 12.3 | 12.2 | 12.2 | 12.1 | 12.1 | 12.0 | 12.0 | 11.9 | 11.9 |
| 72 | 77 | 12.1 | 12.0 | 11.9 | 11.8 | 11.8 | 11.7 | 11.6 | 11.6 | 11.5 | 11.5 | 11.4 | 11.4 |
| 73 | 78 | 11.7 | 11.6 | 11.5 | 11.4 | 11.3 | 11.2 | 11.2 | 11.1 | 11.0 | 11.0 | 11.0 | 10.9 |
| 74 | 79 | 11.3 | 11.2 | 11.1 | 11.0 | 10.9 | 10.8 | 10.7 | 10.7 | 10.6 | 10.6 | 10.5 | 10.5 |
| 75 | 80 | 10.9 | 10.8 | 10.7 | 10.5 | 10.5 | 10.4 | 10.3 | 10.2 | 10.2 | 10.1 | 10.1 | 10.0 |
| | | | | | | | | | | | | | |
| 76 | 81 | 10.5 | 10.4 | 10.3 | 10.2 | 10.1 | 10.0 | 9.9 | 9.8 | 9.7 | 9.7 | 9.7 | 9.6 |
| 77 | 82 | 10.2 | 10.0 | 9.9 | 9.8 | 9.7 | 9.6 | 9.5 | 9.4 | 9.3 | 9.3 | 9.2 | 9.2 |
| 78 | 83 | 9.8 | 9.7 | 9.5 | 9.4 | 9.3 | 9.2 | 9.1 | 9.0 | 9.0 | 8.9 | 8.9 | 8.8 |
| 79 | 84 | 9.5 | 9.3 | 9.2 | 9.2 | 8.9 | 8.8 | 8.8 | 8.7 | 8.6 | 8.5 | 8.5 | 8.4 |
| 80 | 85 | 9.2 | 9.0 | 8.9 | 8.7 | 8.6 | 8.5 | 8.4 | 8.3 | 8.3 | 8.2 | 8.1 | 8.1 |
| | | | | | | | | | | | | | |
| 81 | 86 | 8.9 | 8.7 | 8.6 | 8.4 | 8.3 | 8.2 | 8.1 | 8.0 | 7.9 | 7.9 | 7.8 | 7.7 |
| 82 | 87 | 8.6 | 8.4 | 8.3 | 8.1 | 8.0 | 7.9 | 7.8 | 7.7 | 7.6 | 7.5 | 7.5 | 7.4 |
| 83 | 88 | 8.3 | 8.2 | 8.0 | 7.9 | 7.7 | 7.6 | 7.5 | 7.4 | 7.3 | 7.2 | 7.2 | 7.1 |
| 84 | 89 | 8.1 | 7.9 | 7.8 | 7.6 | 7.5 | 7.3 | 7.2 | 7.1 | 7.0 | 7.0 | 6.9 | 6.8 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 60 | 65 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.2 | 18.2 | 18.2 | 18.2 |
| 61 | 66 | 17.7 | 17.7 | 17.6 | 17.6 | 17.6 | 17.6 | 17.6 | 17.6 | 17.6 | 17.6 | 17.5 |
| 62 | 67 | 17.0 | 17.0 | 17.0 | 17.0 | 17.0 | 17.0 | 16.9 | 16.9 | 16.9 | 16.9 | 16.9 |
| 63 | 68 | 16.4 | 16.4 | 16.4 | 16.3 | 16.3 | 16.3 | 16.3 | 16.3 | 16.3 | 16.3 | 16.2 |
| 64 | 69 | 15.8 | 15.8 | 15.7 | 15.7 | 15.7 | 15.7 | 15.7 | 15.7 | 15.7 | 15.7 | 15.6 |
| 65 | 70 | 15.2 | 15.2 | 15.1 | 15.1 | 15.1 | 15.1 | 15.1 | 15.1 | 15.1 | 15.0 | 15.0 |
| | | | | | | | | | | | | |
| 66 | 71 | 14.6 | 14.6 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.4 | 14.4 |
| 67 | 72 | 14.0 | 14.0 | 14.0 | 14.0 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.8 |
| 68 | 73 | 13.5 | 13.4 | 13.4 | 13.4 | 13.4 | 13.4 | 13.3 | 13.3 | 13.3 | 13.3 | 13.2 |
| 69 | 74 | 12.9 | 12.9 | 12.9 | 12.8 | 12.8 | 12.8 | 12.8 | 12.8 | 12.8 | 12.7 | 12.7 |
| 70 | 75 | 12.4 | 12.4 | 12.3 | 12.3 | 12.3 | 12.3 | 12.3 | 12.2 | 12.2 | 12.2 | 12.1 |
| | | | | | | | | | | | | |
| 71 | 76 | 11.9 | 11.9 | 11.8 | 11.8 | 11.8 | 11.8 | 11.7 | 11.7 | 11.7 | 11.7 | 11.6 |
| 72 | 77 | 11.4 | 11.4 | 11.3 | 11.3 | 11.3 | 11.3 | 11.2 | 11.2 | 11.2 | 11.2 | 11.1 |
| 73 | 78 | 10.9 | 10.9 | 10.9 | 10.8 | 10.8 | 10.8 | 10.7 | 10.7 | 10.7 | 10.7 | 10.6 |
| 74 | 79 | 10.5 | 10.4 | 10.4 | 10.4 | 10.3 | 10.3 | 10.3 | 10.3 | 10.2 | 10.2 | 10.1 |
| 75 | 80 | 10.0 | 10.0 | 9.9 | 9.9 | 9.9 | 9.8 | 9.8 | 9.8 | 9.8 | 9.7 | |
| | | | | | | | | | | | | |
| 76 | 81 | 9.6 | 9.5 | 9.5 | 9.5 | 9.4 | 9.4 | 9.4 | 9.4 | 9.3 | 9.3 | |
| 77 | 82 | 9.2 | 9.1 | 9.1 | 9.1 | 9.0 | 9.0 | 9.0 | 8.9 | 8.9 | 8.9 | |
| 78 | 83 | 8.8 | 8.7 | 8.7 | 8.7 | 8.6 | 8.6 | 8.5 | 8.5 | 8.5 | 8.4 | |
| 79 | 84 | 8.4 | 8.4 | 8.3 | 8.3 | 8.2 | 8.2 | 8.2 | 8.1 | 8.1 | 8.0 | |
| 80 | 85 | 8.0 | 8.0 | 7.9 | 7.9 | 7.9 | 7.8 | 7.8 | 7.7 | 7.7 | 7.6 | |
| | | | | | | | | | | | | |
| 81 | 86 | 7.7 | 7.6 | 7.6 | 7.6 | 7.5 | 7.5 | 7.4 | 7.4 | 7.3 | 7.3 | |
| 82 | 87 | 7.4 | 7.3 | 7.3 | 7.2 | 7.2 | 7.1 | 7.1 | 7.0 | 7.0 | 6.9 | |
| 83 | 88 | 7.1 | 7.0 | 6.9 | 6.9 | 6.8 | 6.8 | 6.7 | 6.7 | 6.7 | 6.6 | |
| 84 | 89 | 6.8 | 6.7 | 6.6 | 6.6 | 6.5 | 6.5 | 6.4 | 6.4 | 6.3 | | |

| Male | Female | Ages |
| --- | --- | --- |
| Male 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 |
| Female 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 |
| 85 | 90 | 7.9 | 7.7 | 7.5 | 7.4 | 7.2 | 7.1 | 7.0 | 6.9 | 6.8 | 6.7 | 6.6 |
| 86 | 91 | 7.7 | 7.5 | 7.3 | 7.1 | 7.0 | 6.8 | 6.7 | 6.6 | 6.5 | 6.4 | 6.4 |
| 87 | 92 | 7.5 | 7.3 | 7.1 | 6.9 | 6.8 | 6.6 | 6.5 | 6.4 | 6.3 | 6.2 | 6.1 |
| 88 | 93 | 7.3 | 7.1 | 6.9 | 6.7 | 6.6 | 6.4 | 6.3 | 6.2 | 6.1 | 6.0 | 5.9 |
| 89 | 94 | 7.1 | 6.9 | 6.7 | 6.5 | 6.4 | 6.2 | 6.1 | 6.0 | 5.9 | 5.8 | 5.7 |
| 90 | 95 | 7.0 | 6.8 | 6.6 | 6.4 | 6.2 | 6.1 | 5.9 | 5.8 | 5.7 | 5.6 | 5.5 |
| | | | | | | | | | | | | |
| 91 | 96 | 6.8 | 6.6 | 6.4 | 6.2 | 6.1 | 5.9 | 5.8 | 5.7 | 5.5 | 5.4 | 5.3 |
| 92 | 97 | 6.7 | 6.5 | 6.3 | 6.1 | 5.9 | 5.8 | 5.6 | 5.5 | 5.4 | 5.3 | 5.2 |
| 93 | 98 | 6.6 | 6.4 | 6.2 | 6.0 | 5.8 | 5.7 | 5.5 | 5.4 | 5.2 | 5.1 | 5.0 |
| 94 | 99 | 6.5 | 6.3 | 6.1 | 5.9 | 5.7 | 5.5 | 5.4 | 5.2 | 5.1 | 5.0 | 4.9 |
| 95 | 100 | 6.4 | 6.2 | 6.0 | 5.8 | 5.6 | 5.4 | 5.3 | 5.1 | 5.0 | 4.9 | 4.7 |
| | | | | | | | | | | | | |
| 96 | 101 | 6.4 | 6.1 | 5.9 | 5.7 | 5.5 | 5.3 | 5.2 | 5.0 | 4.9 | 4.7 | 4.6 |
| 97 | 102 | 6.3 | 6.1 | 5.8 | 5.6 | 5.4 | 5.2 | 5.1 | 4.9 | 4.8 | 4.6 | 4.5 |
| 98 | 103 | 6.2 | 6.0 | 5.8 | 5.5 | 5.3 | 5.1 | 5.0 | 4.8 | 4.7 | 4.5 | 4.4 |
| 99 | 104 | 6.2 | 5.9 | 5.7 | 5.5 | 5.2 | 5.1 | 4.9 | 4.7 | 4.6 | 4.4 | 4.3 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 |
| Female 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 |
| 85 | 90 | 6.6 | 6.5 | 6.4 | 6.4 | 6.3 | 6.2 | 6.2 | 6.1 | 6.1 | 6.0 |
| 86 | 91 | 6.3 | 6.2 | 6.2 | 6.1 | 6.0 | 6.0 | 5.9 | 5.9 | 5.8 | 5.7 |
| 87 | 92 | 6.1 | 6.0 | 5.9 | 5.8 | 5.8 | 5.7 | 5.6 | 5.6 | 5.5 | 5.4 |
| 88 | 93 | 5.8 | 5.8 | 5.7 | 5.6 | 5.5 | 5.5 | 5.4 | 5.3 | 5.3 | 5.1 |
| 89 | 94 | 5.6 | 5.5 | 5.5 | 5.4 | 5.3 | 5.2 | 5.2 | 5.1 | 5.0 | |
| | | | | | | | | | | | |
| 90 | 95 | 5.4 | 5.3 | 5.2 | 5.2 | 5.1 | 5.0 | 4.9 | 4.9 | 4.8 | |
| 91 | 96 | 5.2 | 5.1 | 5.1 | 5.0 | 4.9 | 4.8 | 4.7 | 4.6 | 4.5 | |
| 92 | 97 | 5.1 | 5.0 | 4.9 | 4.8 | 4.7 | 4.6 | 4.5 | 4.4 | | |
| 93 | 98 | 4.9 | 4.8 | 4.7 | 4.6 | 4.5 | 4.4 | 4.3 | 4.2 | | |
| 94 | 99 | 4.8 | 4.7 | 4.6 | 4.5 | 4.4 | 4.3 | 4.1 | | | |
| | | | | | | | | | | | |
| 95 | 100 | 4.6 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 | | | |
| 96 | 101 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 3.9 | | | | |
| 97 | 102 | 4.4 | 4.3 | 4.1 | 4.0 | 3.9 | 3.7 | | | | |
| 98 | 103 | 4.3 | 4.1 | 4.0 | 3.9 | 3.7 | | | | | |
| 99 | 104 | 4.1 | 4.0 | 3.9 | 3.7 | | | | | | |

| Male | Female | Ages |
| --- | --- | --- |
| Male 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| Female 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 |
| 6 | 11 | 56.6 | 56.1 | 55.7 | 55.1 | 54.6 | 54.1 | 53.5 | 52.9 | 52.3 | 51.7 | 51.1 | 50.5 | 49.8 | 49.1 | 48.4 |
| 7 | 12 | 56.1 | 55.7 | 55.2 | 54.7 | 54.2 | 53.7 | 53.1 | 52.6 | 52.0 | 51.4 | 50.8 | 50.2 | 49.5 | 48.9 | 48.2 |
| 8 | 13 | 55.7 | 55.2 | 54.8 | 54.3 | 53.8 | 53.3 | 52.8 | 52.2 | 51.6 | 51.1 | 50.5 | 49.9 | 49.2 | 48.6 | 47.9 |
| 9 | 14 | 55.1 | 54.7 | 54.3 | 53.8 | 53.3 | 52.9 | 52.3 | 51.8 | 51.3 | 50.7 | 50.1 | 49.5 | 48.9 | 48.3 | 47.7 |
| 10 | 15 | 54.6 | 54.2 | 53.8 | 53.3 | 52.9 | 52.4 | 51.9 | 51.4 | 50.9 | 50.3 | 49.8 | 49.2 | 48.6 | 48.0 | 47.4 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 54.1 | 53.7 | 53.3 | 52.9 | 52.4 | 52.0 | 51.5 | 51.0 | 50.5 | 50.0 | 49.4 | 48.8 | 48.3 | 47.7 | 47.1 |
| 12 | 17 | 53.5 | 53.1 | 52.8 | 52.3 | 51.9 | 51.5 | 51.0 | 50.6 | 50.1 | 49.6 | 49.0 | 48.5 | 47.9 | 47.3 | 46.7 |
| 13 | 18 | 52.9 | 52.6 | 52.2 | 51.8 | 51.4 | 51.0 | 50.6 | 50.1 | 49.6 | 49.1 | 48.6 | 48.1 | 47.5 | 47.0 | 46.4 |
| 14 | 19 | 52.3 | 52.0 | 51.6 | 51.3 | 50.9 | 50.5 | 50.1 | 49.6 | 49.2 | 48.7 | 48.2 | 47.7 | 47.2 | 46.6 | 46.1 |
| | | | | | | | | | | | | | | | | |
| 15 | 20 | 51.7 | 51.4 | 51.1 | 50.7 | 50.3 | 50.0 | 49.6 | 49.1 | 48.7 | 48.2 | 47.8 | 47.3 | 46.8 | 46.2 | 45.7 |
| 16 | 21 | 51.1 | 50.8 | 50.5 | 50.1 | 49.8 | 49.4 | 49.0 | 48.6 | 48.2 | 47.8 | 47.3 | 46.8 | 46.3 | 45.8 | 45.3 |
| 17 | 22 | 50.5 | 50.2 | 49.9 | 49.5 | 49.2 | 48.8 | 48.5 | 48.1 | 47.7 | 47.3 | 46.8 | 46.4 | 45.9 | 45.4 | 44.9 |
| 18 | 23 | 49.8 | 49.5 | 49.2 | 48.9 | 48.6 | 48.3 | 47.9 | 47.5 | 47.2 | 46.8 | 46.3 | 45.9 | 45.4 | 45.0 | 44.5 |
| 19 | 24 | 49.1 | 48.9 | 48.6 | 48.3 | 48.0 | 47.7 | 47.3 | 47.0 | 46.6 | 46.2 | 45.8 | 45.4 | 45.0 | 44.5 | 44.0 |
| 20 | 25 | 48.4 | 48.2 | 47.9 | 47.7 | 47.4 | 47.1 | 46.7 | 46.4 | 46.1 | 45.7 | 45.3 | 44.9 | 44.5 | 44.0 | 43.6 |

Table IIa—Annuities for Joint Life Only—Two Lives—Expected Return Multiples

| Male | Female | Ages |
| --- | --- | --- |
| Male 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 |
| Female 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 |
| 6 | 11 | 47.7 | 47.0 | 46.3 | 45.6 | 44.8 | 44.1 | 43.3 | 42.5 | 41.8 | 41.0 | 40.2 | 39.4 | 38.6 | 37.8 |
| 7 | 12 | 47.5 | 46.8 | 46.1 | 45.4 | 44.6 | 43.9 | 43.2 | 42.4 | 41.6 | 40.9 | 40.1 | 39.3 | 38.5 | 37.7 |
| 8 | 13 | 47.3 | 46.6 | 45.9 | 45.2 | 44.5 | 43.7 | 43.0 | 42.2 | 41.5 | 40.7 | 39.9 | 39.2 | 38.4 | 37.6 |
| 9 | 14 | 47.0 | 46.3 | 45.6 | 45.0 | 44.2 | 43.5 | 42.8 | 42.1 | 41.3 | 40.6 | 39.8 | 39.0 | 38.3 | 37.5 |
| 10 | 15 | 46.7 | 46.1 | 45.4 | 44.7 | 44.0 | 43.3 | 42.6 | 41.9 | 41.1 | 40.4 | 39.7 | 38.9 | 38.1 | 37.4 |
| | | | | | | | | | | | | | | | |
| 11 | 16 | 46.4 | 45.8 | 45.1 | 44.5 | 43.8 | 43.1 | 42.4 | 41.7 | 41.0 | 40.2 | 39.5 | 38.8 | 38.0 | 37.2 |
| 12 | 17 | 46.1 | 45.5 | 44.9 | 44.2 | 43.6 | 42.9 | 42.2 | 41.5 | 40.8 | 40.1 | 39.3 | 38.6 | 37.9 | 37.1 |
| 13 | 18 | 45.8 | 45.2 | 44.6 | 43.9 | 43.3 | 42.6 | 42.0 | 41.3 | 40.6 | 39.9 | 39.2 | 38.4 | 37.7 | 37.0 |
| 14 | 19 | 45.5 | 44.9 | 44.3 | 43.7 | 43.0 | 42.4 | 41.7 | 41.0 | 40.4 | 39.7 | 39.0 | 38.3 | 37.5 | 36.8 |
| 15 | 20 | 45.1 | 44.6 | 44.0 | 43.4 | 42.7 | 42.1 | 41.5 | 40.8 | 40.1 | 39.5 | 38.8 | 38.1 | 37.4 | 36.6 |
| | | | | | | | | | | | | | | | |
| 16 | 21 | 44.8 | 44.2 | 43.6 | 43.0 | 42.4 | 41.8 | 41.2 | 40.5 | 39.9 | 39.2 | 38.6 | 37.9 | 37.2 | 36.5 |
| 17 | 22 | 44.4 | 43.8 | 43.3 | 42.7 | 42.1 | 41.5 | 40.9 | 40.3 | 39.6 | 39.0 | 38.3 | 37.7 | 37.0 | 36.3 |
| 18 | 23 | 44.0 | 43.5 | 42.9 | 42.4 | 41.8 | 41.2 | 40.6 | 40.0 | 39.4 | 38.7 | 38.1 | 37.4 | 36.8 | 36.1 |
| 19 | 24 | 43.6 | 43.1 | 42.5 | 42.0 | 41.4 | 40.9 | 40.3 | 39.7 | 39.1 | 38.5 | 37.8 | 37.2 | 36.5 | 35.9 |
| 20 | 25 | 43.1 | 42.6 | 42.1 | 41.6 | 41.1 | 40.5 | 40.0 | 39.4 | 38.8 | 38.2 | 37.6 | 36.9 | 36.3 | 35.7 |
| | | | | | | | | | | | | | | | |
| 21 | 26 | 42.7 | 42.2 | 41.7 | 41.2 | 40.7 | 40.2 | 39.6 | 39.1 | 38.5 | 37.9 | 37.3 | 36.7 | 36.1 | 35.4 |
| 22 | 27 | 42.2 | 41.8 | 41.3 | 40.8 | 40.3 | 39.8 | 39.3 | 38.7 | 38.2 | 37.6 | 37.0 | 36.4 | 35.8 | 35.2 |
| 23 | 28 | 41.7 | 41.3 | 40.8 | 40.4 | 39.9 | 39.4 | 38.9 | 38.4 | 37.8 | 37.3 | 36.7 | 36.1 | 35.5 | 34.9 |
| 24 | 29 | 41.2 | 40.8 | 40.4 | 39.9 | 39.5 | 39.0 | 38.5 | 38.0 | 37.5 | 36.9 | 36.4 | 35.8 | 35.2 | 34.6 |
| 25 | 30 | 40.7 | 40.3 | 39.9 | 39.5 | 39.0 | 38.6 | 38.1 | 37.6 | 37.1 | 36.6 | 36.0 | 35.5 | 34.9 | 34.4 |
| | | | | | | | | | | | | | | | |
| 26 | 31 | 40.2 | 39.8 | 39.4 | 39.0 | 38.6 | 38.1 | 37.7 | 37.2 | 36.7 | 36.2 | 35.7 | 35.2 | 34.6 | 34.1 |
| 27 | 32 | 39.6 | 39.3 | 38.9 | 38.5 | 38.1 | 37.7 | 37.2 | 36.8 | 36.3 | 35.8 | 35.3 | 34.8 | 34.3 | 33.7 |
| 28 | 33 | 39.1 | 38.7 | 38.4 | 38.0 | 37.6 | 37.2 | 36.8 | 36.3 | 35.9 | 35.4 | 34.9 | 34.5 | 33.9 | 33.4 |
| 29 | 34 | 38.5 | 38.2 | 37.8 | 37.5 | 37.1 | 36.7 | 36.3 | 35.9 | 35.5 | 35.0 | 34.6 | 34.1 | 33.6 | 33.1 |
| 30 | 35 | 37.9 | 37.6 | 37.3 | 36.9 | 36.6 | 36.2 | 35.8 | 35.4 | 35.0 | 34.6 | 34.1 | 33.7 | 33.2 | 32.7 |
| | | | | | | | | | | | | | | | |
| 31 | 36 | 37.3 | 37.0 | 36.7 | 36.4 | 36.0 | 35.7 | 35.3 | 34.9 | 34.6 | 34.1 | 33.7 | 33.3 | 32.8 | 32.3 |
| 32 | 37 | 36.7 | 36.4 | 36.1 | 35.8 | 35.5 | 35.2 | 34.8 | 34.5 | 34.1 | 33.7 | 33.3 | 32.9 | 32.4 | 32.0 |
| 33 | 38 | 36.1 | 35.8 | 35.5 | 35.2 | 34.9 | 34.6 | 34.3 | 33.9 | 33.6 | 33.2 | 32.8 | 32.4 | 32.0 | 31.6 |
| 34 | 39 | 35.4 | 35.2 | 34.9 | 34.6 | 34.4 | 34.1 | 33.7 | 33.4 | 33.1 | 32.7 | 32.3 | 32.0 | 31.6 | 31.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 |
| Female 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 |
| 6 | 11 | 37.0 | 36.2 | 35.4 | 34.6 | 33.8 | 33.0 | 32.2 | 31.4 | 30.6 | 29.8 | 29.0 | 28.2 | 27.5 | 26.7 | 25.9 |
| 7 | 12 | 36.9 | 36.1 | 35.3 | 34.5 | 33.7 | 32.9 | 32.1 | 31.3 | 30.5 | 29.8 | 29.0 | 28.2 | 27.4 | 26.7 | 25.9 |
| 8 | 13 | 36.8 | 36.0 | 35.2 | 34.4 | 33.7 | 32.9 | 32.1 | 31.3 | 30.5 | 29.7 | 28.9 | 28.2 | 27.4 | 26.6 | 25.9 |
| 9 | 14 | 36.7 | 35.9 | 35.1 | 34.4 | 33.6 | 32.8 | 32.0 | 31.2 | 30.4 | 29.7 | 28.9 | 28.1 | 27.3 | 26.6 | 25.8 |
| 10 | 15 | 36.6 | 35.8 | 35.1 | 34.3 | 33.5 | 32.7 | 31.9 | 31.2 | 30.4 | 29.6 | 28.8 | 28.1 | 27.3 | 26.5 | 25.8 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 36.5 | 35.7 | 34.9 | 34.2 | 33.4 | 32.6 | 31.9 | 31.1 | 30.3 | 29.5 | 28.8 | 28.0 | 27.3 | 26.5 | 25.7 |
| 12 | 17 | 36.4 | 35.6 | 34.8 | 34.1 | 33.3 | 32.5 | 31.8 | 31.0 | 30.2 | 29.5 | 28.7 | 28.0 | 27.2 | 26.4 | 25.7 |
| 13 | 18 | 36.2 | 35.5 | 34.7 | 34.0 | 33.2 | 32.4 | 31.7 | 30.9 | 30.2 | 29.4 | 28.7 | 27.9 | 27.1 | 26.4 | 25.7 |
| 14 | 19 | 36.1 | 35.3 | 34.6 | 33.8 | 33.1 | 32.3 | 31.6 | 30.8 | 30.1 | 29.3 | 28.6 | 27.8 | 27.1 | 26.3 | 25.6 |
| 15 | 20 | 35.9 | 35.2 | 34.5 | 33.7 | 33.0 | 32.2 | 31.5 | 30.7 | 30.0 | 29.3 | 28.5 | 27.8 | 27.0 | 26.3 | 25.6 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 35.8 | 35.0 | 34.3 | 33.6 | 32.9 | 32.1 | 31.4 | 30.6 | 29.9 | 29.2 | 28.4 | 27.7 | 27.0 | 26.2 | 25.5 |
| 17 | 22 | 35.6 | 34.9 | 34.2 | 33.4 | 32.7 | 32.0 | 31.3 | 30.5 | 29.8 | 29.1 | 28.3 | 27.6 | 26.9 | 26.2 | 25.4 |
| 18 | 23 | 35.4 | 34.7 | 34.0 | 33.3 | 32.6 | 31.9 | 31.2 | 30.4 | 29.7 | 29.0 | 28.3 | 27.5 | 26.8 | 26.1 | 25.4 |
| 19 | 24 | 35.2 | 34.5 | 33.8 | 33.1 | 32.4 | 31.7 | 31.0 | 30.3 | 29.6 | 28.9 | 28.2 | 27.4 | 26.7 | 26.0 | 25.3 |
| 20 | 25 | 35.0 | 34.3 | 33.7 | 33.0 | 32.3 | 31.6 | 30.9 | 30.2 | 29.5 | 28.8 | 28.1 | 27.3 | 26.6 | 25.9 | 25.2 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 34.8 | 34.1 | 33.5 | 32.8 | 32.1 | 31.4 | 30.7 | 30.0 | 29.3 | 28.6 | 27.9 | 27.2 | 26.5 | 25.8 | 25.1 |
| 22 | 27 | 34.5 | 33.9 | 33.3 | 32.6 | 31.9 | 31.3 | 30.6 | 29.9 | 29.2 | 28.5 | 27.8 | 27.1 | 26.4 | 25.7 | 25.1 |
| 23 | 28 | 34.3 | 33.7 | 33.0 | 32.4 | 31.7 | 31.1 | 30.4 | 29.7 | 29.1 | 28.4 | 27.7 | 27.0 | 26.3 | 25.6 | 25.0 |
| 24 | 29 | 34.0 | 33.4 | 32.8 | 32.2 | 31.5 | 30.9 | 30.2 | 29.6 | 28.9 | 28.2 | 27.6 | 26.9 | 26.2 | 25.5 | 24.9 |
| 25 | 30 | 33.8 | 33.2 | 32.6 | 32.0 | 31.3 | 30.7 | 30.1 | 29.4 | 28.8 | 28.1 | 27.4 | 26.8 | 26.1 | 25.4 | 24.8 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 33.5 | 32.9 | 32.3 | 31.7 | 31.1 | 30.5 | 29.9 | 29.2 | 28.6 | 27.9 | 27.3 | 26.6 | 26.0 | 25.3 | 24.6 |
| 27 | 32 | 33.2 | 32.6 | 32.1 | 31.5 | 30.9 | 30.3 | 29.6 | 29.0 | 28.4 | 27.8 | 27.1 | 26.5 | 25.8 | 25.2 | 24.5 |
| 28 | 33 | 32.9 | 32.3 | 31.8 | 31.2 | 30.6 | 30.0 | 29.4 | 28.8 | 28.2 | 27.6 | 27.0 | 26.3 | 25.7 | 25.0 | 24.4 |
| 29 | 34 | 32.6 | 32.0 | 31.5 | 30.9 | 30.4 | 29.8 | 29.2 | 28.6 | 28.0 | 27.4 | 26.8 | 26.2 | 25.5 | 24.9 | 24.3 |
| 30 | 35 | 32.2 | 31.7 | 31.2 | 30.6 | 30.1 | 29.5 | 29.0 | 28.4 | 27.8 | 27.2 | 26.6 | 26.0 | 25.4 | 24.7 | 24.1 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 31.9 | 31.4 | 30.9 | 30.3 | 29.8 | 29.3 | 28.7 | 28.1 | 27.6 | 27.0 | 26.4 | 25.8 | 25.2 | 24.6 | 24.0 |
| 32 | 37 | 31.5 | 31.0 | 30.5 | 30.0 | 29.5 | 29.0 | 28.4 | 27.9 | 27.3 | 26.8 | 26.2 | 25.6 | 25.0 | 24.4 | 23.8 |
| 33 | 38 | 31.1 | 30.7 | 30.2 | 29.7 | 29.2 | 28.7 | 28.2 | 27.6 | 27.1 | 26.5 | 26.0 | 25.4 | 24.8 | 24.2 | 23.6 |
| 34 | 39 | 30.7 | 30.3 | 29.8 | 29.3 | 28.9 | 28.4 | 27.9 | 27.3 | 26.8 | 26.3 | 25.7 | 25.2 | 24.6 | 24.0 | 23.5 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 |
| Female 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 |
| 6 | 11 | 25.2 | 24.4 | 23.7 | 22.9 | 22.2 | 21.5 | 20.8 | 20.1 | 19.4 | 18.7 | 18.0 | 17.4 | 16.7 | 16.1 |
| 7 | 12 | 25.1 | 24.4 | 23.6 | 22.9 | 22.2 | 21.5 | 20.8 | 20.1 | 19.4 | 18.7 | 18.0 | 17.4 | 16.7 | 16.1 |
| 8 | 13 | 25.1 | 24.4 | 23.6 | 22.9 | 22.2 | 21.4 | 20.7 | 20.0 | 19.4 | 18.7 | 18.0 | 17.4 | 16.7 | 16.1 |
| 9 | 14 | 25.1 | 24.3 | 23.6 | 22.9 | 22.1 | 21.4 | 20.7 | 20.0 | 19.3 | 18.7 | 18.0 | 17.3 | 16.7 | 16.1 |
| 10 | 15 | 25.0 | 24.3 | 23.6 | 22.8 | 22.1 | 21.4 | 20.7 | 20.0 | 19.3 | 18.6 | 18.0 | 17.3 | 16.7 | 16.1 |
| | | | | | | | | | | | | | | | |
| 11 | 16 | 25.0 | 24.3 | 23.5 | 22.8 | 22.1 | 21.4 | 20.7 | 20.0 | 19.3 | 18.6 | 18.0 | 17.3 | 16.7 | 16.1 |
| 12 | 17 | 25.0 | 24.2 | 23.5 | 22.8 | 22.1 | 21.4 | 20.7 | 20.0 | 19.3 | 18.6 | 18.0 | 17.3 | 16.7 | 16.0 |
| 13 | 18 | 24.9 | 24.2 | 23.5 | 22.7 | 22.0 | 21.3 | 20.6 | 19.9 | 19.3 | 18.6 | 17.9 | 17.3 | 16.7 | 16.0 |
| 14 | 19 | 24.9 | 24.1 | 23.4 | 22.7 | 22.0 | 21.3 | 20.6 | 19.9 | 19.2 | 18.6 | 17.9 | 17.3 | 16.6 | 16.0 |
| 15 | 20 | 24.8 | 24.1 | 23.4 | 22.7 | 22.0 | 21.3 | 20.6 | 19.9 | 19.2 | 18.5 | 17.9 | 17.3 | 16.6 | 16.0 |
| | | | | | | | | | | | | | | | |
| 16 | 21 | 24.8 | 24.0 | 23.3 | 22.6 | 21.9 | 21.2 | 20.5 | 19.9 | 19.2 | 18.5 | 17.9 | 17.2 | 16.6 | 16.0 |
| 17 | 22 | 24.7 | 24.0 | 23.3 | 22.6 | 21.9 | 21.2 | 20.5 | 19.8 | 19.2 | 18.5 | 17.8 | 17.2 | 16.6 | 16.0 |
| 18 | 23 | 24.7 | 23.9 | 23.2 | 22.5 | 21.8 | 21.1 | 20.5 | 19.8 | 19.1 | 18.5 | 17.8 | 17.2 | 16.6 | 15.9 |
| 19 | 24 | 24.6 | 23.9 | 23.2 | 22.5 | 21.8 | 21.1 | 20.4 | 19.8 | 19.1 | 18.4 | 17.8 | 17.2 | 16.5 | 15.9 |
| 20 | 25 | 24.5 | 23.8 | 23.1 | 22.4 | 21.7 | 21.1 | 20.4 | 19.7 | 19.1 | 18.4 | 17.8 | 17.1 | 16.5 | 15.9 |
| | | | | | | | | | | | | | | | |
| 21 | 26 | 24.4 | 23.7 | 23.1 | 22.4 | 21.7 | 21.0 | 20.3 | 19.7 | 19.0 | 18.4 | 17.7 | 17.1 | 16.5 | 15.9 |
| 22 | 27 | 24.4 | 23.7 | 23.0 | 22.3 | 21.6 | 21.0 | 20.3 | 19.6 | 19.0 | 18.3 | 17.7 | 17.1 | 16.5 | 15.9 |
| 23 | 28 | 24.3 | 23.6 | 22.9 | 22.2 | 21.6 | 20.9 | 20.2 | 19.6 | 18.9 | 18.3 | 17.7 | 17.0 | 16.4 | 15.8 |
| 24 | 29 | 24.2 | 23.5 | 22.8 | 22.2 | 21.5 | 20.8 | 20.2 | 19.5 | 18.9 | 18.3 | 17.6 | 17.0 | 16.4 | 15.8 |
| 25 | 30 | 24.1 | 23.4 | 22.8 | 22.1 | 21.4 | 20.8 | 20.1 | 19.5 | 18.8 | 18.2 | 17.6 | 17.0 | 16.4 | 15.8 |
| | | | | | | | | | | | | | | | |
| 26 | 31 | 24.0 | 23.3 | 22.7 | 22.0 | 21.4 | 20.7 | 20.1 | 19.4 | 18.8 | 18.2 | 17.5 | 16.9 | 16.3 | 15.7 |
| 27 | 32 | 23.9 | 23.2 | 22.6 | 21.9 | 21.3 | 20.6 | 20.0 | 19.4 | 18.7 | 18.1 | 17.5 | 16.9 | 16.3 | 15.7 |
| 28 | 33 | 23.8 | 23.1 | 22.5 | 21.8 | 21.2 | 20.6 | 19.9 | 19.3 | 18.7 | 18.1 | 17.4 | 16.8 | 16.2 | 15.6 |
| 29 | 34 | 23.6 | 23.0 | 22.4 | 21.7 | 21.1 | 20.5 | 19.8 | 19.2 | 18.6 | 18.0 | 17.4 | 16.8 | 16.2 | 15.6 |
| 30 | 35 | 23.5 | 22.9 | 22.3 | 21.6 | 21.0 | 20.4 | 19.8 | 19.1 | 18.5 | 17.9 | 17.3 | 16.7 | 16.1 | 15.6 |
| | | | | | | | | | | | | | | | |
| 31 | 36 | 23.4 | 22.7 | 22.1 | 21.5 | 20.9 | 20.3 | 19.7 | 19.1 | 18.5 | 17.9 | 17.3 | 16.7 | 16.1 | 15.5 |
| 32 | 37 | 23.2 | 22.6 | 22.0 | 21.4 | 20.8 | 20.2 | 19.6 | 19.0 | 18.4 | 17.8 | 17.2 | 16.6 | 16.0 | 15.5 |
| 33 | 38 | 23.1 | 22.5 | 21.9 | 21.3 | 20.7 | 20.1 | 19.5 | 18.9 | 18.3 | 17.7 | 17.1 | 16.5 | 16.0 | 15.4 |
| 34 | 39 | 22.9 | 22.3 | 21.7 | 21.1 | 20.5 | 20.0 | 19.4 | 18.8 | 18.2 | 17.6 | 17.0 | 16.5 | 15.9 | 15.3 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 |
| Female 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 |
| 6 | 11 | 15.5 | 14.9 | 14.3 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.6 | 9.1 | 8.7 | 8.2 |
| 7 | 12 | 15.5 | 14.9 | 14.3 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.6 | 9.1 | 8.7 | 8.2 |
| 8 | 13 | 15.5 | 14.9 | 14.3 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.6 | 9.1 | 8.7 | 8.2 |
| 9 | 14 | 15.5 | 14.9 | 14.3 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.7 | 8.2 |
| 10 | 15 | 15.4 | 14.8 | 14.3 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.7 | 8.2 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 15.4 | 14.8 | 14.2 | 13.7 | 13.1 | 12.6 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.7 | 8.2 |
| 12 | 17 | 15.4 | 14.8 | 14.2 | 13.7 | 13.1 | 12.5 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 13 | 18 | 15.4 | 14.8 | 14.2 | 13.6 | 13.1 | 12.5 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 14 | 19 | 15.4 | 14.8 | 14.2 | 13.6 | 13.1 | 12.5 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 15 | 20 | 15.4 | 14.8 | 14.2 | 13.6 | 13.1 | 12.5 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 15.4 | 14.8 | 14.2 | 13.6 | 13.1 | 12.5 | 12.0 | 11.5 | 11.0 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 17 | 22 | 15.4 | 14.8 | 14.2 | 13.6 | 13.0 | 12.5 | 12.0 | 11.5 | 10.9 | 10.5 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 18 | 23 | 15.3 | 14.7 | 14.2 | 13.6 | 13.0 | 12.5 | 12.0 | 11.4 | 10.9 | 10.4 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 19 | 24 | 15.3 | 14.7 | 14.1 | 13.6 | 13.0 | 12.5 | 12.0 | 11.4 | 10.9 | 10.4 | 10.0 | 9.5 | 9.1 | 8.6 | 8.2 |
| 20 | 25 | 15.3 | 14.7 | 14.1 | 13.6 | 13.0 | 12.5 | 11.9 | 11.4 | 10.9 | 10.4 | 10.0 | 9.5 | 9.0 | 8.6 | 8.2 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 15.3 | 14.7 | 14.1 | 13.5 | 13.0 | 12.5 | 11.9 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.0 | 8.6 | 8.2 |
| 22 | 27 | 15.3 | 14.7 | 14.1 | 13.5 | 13.0 | 12.4 | 11.9 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.0 | 8.6 | 8.2 |
| 23 | 28 | 15.2 | 14.6 | 14.1 | 13.5 | 13.0 | 12.4 | 11.9 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.0 | 8.6 | 8.2 |
| 24 | 29 | 15.2 | 14.6 | 14.0 | 13.5 | 12.9 | 12.4 | 11.9 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.0 | 8.6 | 8.2 |
| 25 | 30 | 15.2 | 14.6 | 14.0 | 13.5 | 12.9 | 12.4 | 11.9 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.0 | 8.6 | 8.2 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 15.1 | 14.6 | 14.0 | 13.4 | 12.9 | 12.4 | 11.9 | 11.3 | 10.8 | 10.4 | 9.9 | 9.4 | 9.0 | 8.6 | 8.2 |
| 27 | 32 | 15.1 | 14.5 | 14.0 | 13.4 | 12.9 | 12.4 | 11.8 | 11.3 | 10.8 | 10.4 | 9.9 | 9.4 | 9.0 | 8.6 | 8.2 |
| 28 | 33 | 15.1 | 14.5 | 13.9 | 13.4 | 12.9 | 12.3 | 11.8 | 11.3 | 10.8 | 10.3 | 9.9 | 9.4 | 9.0 | 8.6 | 8.1 |
| 29 | 34 | 15.0 | 14.5 | 13.9 | 13.4 | 12.8 | 12.3 | 11.8 | 11.3 | 10.8 | 10.3 | 9.9 | 9.4 | 9.0 | 8.5 | 8.1 |
| 30 | 35 | 15.0 | 14.4 | 13.9 | 13.3 | 12.8 | 12.3 | 11.8 | 11.3 | 10.8 | 10.3 | 9.8 | 9.4 | 9.0 | 8.5 | 8.1 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 14.9 | 14.4 | 13.8 | 13.3 | 12.8 | 12.2 | 11.7 | 11.2 | 10.8 | 10.3 | 9.8 | 9.4 | 8.9 | 8.5 | 8.1 |
| 32 | 37 | 14.9 | 14.3 | 13.8 | 13.3 | 12.7 | 12.2 | 11.7 | 11.2 | 10.7 | 10.3 | 9.8 | 9.4 | 8.9 | 8.5 | 8.1 |
| 33 | 38 | 14.8 | 14.3 | 13.8 | 13.2 | 12.7 | 12.2 | 11.7 | 11.2 | 10.7 | 10.2 | 9.8 | 9.3 | 8.9 | 8.5 | 8.1 |
| 34 | 39 | 14.8 | 14.2 | 13.7 | 13.2 | 12.7 | 12.2 | 11.7 | 11.2 | 10.7 | 10.2 | 9.8 | 9.3 | 8.9 | 8.5 | 8.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 |
| Female 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 |
| 6 | 11 | 7.8 | 7.4 | 7.1 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 7 | 12 | 7.8 | 7.4 | 7.1 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 8 | 13 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 9 | 14 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 10 | 15 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 12 | 17 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 13 | 18 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 14 | 19 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 15 | 20 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 17 | 22 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 18 | 23 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 19 | 24 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 20 | 25 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 22 | 27 | 7.8 | 7.4 | 7.0 | 6.7 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 23 | 28 | 7.8 | 7.4 | 7.0 | 6.6 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.8 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 24 | 29 | 7.8 | 7.4 | 7.0 | 6.6 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 25 | 30 | 7.8 | 7.4 | 7.0 | 6.6 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 7.8 | 7.4 | 7.0 | 6.6 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 27 | 32 | 7.7 | 7.4 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 28 | 33 | 7.7 | 7.4 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 29 | 34 | 7.7 | 7.3 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 30 | 35 | 7.7 | 7.3 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 7.7 | 7.3 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 32 | 37 | 7.7 | 7.3 | 7.0 | 6.6 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 4.0 | 3.7 | 3.5 |
| 33 | 38 | 7.7 | 7.3 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 | 3.9 | 3.7 | 3.5 |
| 34 | 39 | 7.7 | 7.3 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 6 | 11 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 7 | 12 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 8 | 13 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 9 | 14 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 10 | 15 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | | | | | |
| 11 | 16 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 12 | 17 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 13 | 18 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 14 | 19 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 15 | 20 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | | | | | |
| 16 | 21 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 17 | 22 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 18 | 23 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 19 | 24 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 20 | 25 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | | | | | |
| 21 | 26 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 22 | 27 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 23 | 28 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 24 | 29 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 25 | 30 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | | | | | |
| 26 | 31 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 27 | 32 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 28 | 33 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 29 | 34 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 30 | 35 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | | | | | |
| 31 | 36 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 32 | 37 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 33 | 38 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 34 | 39 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 |
| Female 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 |
| 35 | 40 | 30.3 | 29.9 | 29.4 | 29.0 | 28.5 | 28.0 | 27.5 | 27.0 | 26.5 | 26.0 | 25.5 | 24.9 | 24.4 |
| 36 | 41 | 29.9 | 29.5 | 29.0 | 28.6 | 28.2 | 27.7 | 27.2 | 26.7 | 26.2 | 25.7 | 25.2 | 24.7 | 24.2 |
| 37 | 42 | 29.4 | 29.0 | 28.6 | 28.2 | 27.8 | 27.3 | 26.9 | 26.4 | 25.9 | 25.5 | 25.0 | 24.4 | 23.9 |
| 38 | 43 | 29.0 | 28.6 | 28.2 | 27.8 | 27.4 | 27.0 | 26.5 | 26.1 | 25.6 | 25.2 | 24.7 | 24.2 | 23.7 |
| 39 | 44 | 28.5 | 28.2 | 27.8 | 27.4 | 27.0 | 26.6 | 26.2 | 25.8 | 25.3 | 24.8 | 24.4 | 23.9 | 23.4 |
| 40 | 45 | 28.0 | 27.7 | 27.3 | 27.0 | 26.6 | 26.2 | 25.8 | 25.4 | 25.0 | 24.5 | 24.1 | 23.6 | 23.1 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 27.5 | 27.2 | 26.9 | 26.5 | 26.2 | 25.8 | 25.4 | 25.0 | 24.6 | 24.2 | 23.8 | 23.3 | 22.9 |
| 42 | 47 | 27.0 | 26.7 | 26.4 | 26.1 | 25.8 | 25.4 | 25.0 | 24.6 | 24.2 | 23.8 | 23.4 | 23.0 | 22.6 |
| 43 | 48 | 26.5 | 26.2 | 25.9 | 25.6 | 25.3 | 25.0 | 24.6 | 24.2 | 23.9 | 23.5 | 23.1 | 22.7 | 22.2 |
| 44 | 49 | 26.0 | 25.7 | 25.5 | 25.2 | 24.8 | 24.5 | 24.2 | 23.8 | 23.5 | 23.1 | 22.7 | 22.3 | 21.9 |
| 45 | 50 | 25.5 | 25.2 | 25.0 | 24.7 | 24.4 | 24.1 | 23.8 | 23.4 | 23.1 | 22.7 | 22.4 | 22.0 | 21.6 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 24.9 | 24.7 | 24.4 | 24.2 | 23.9 | 23.6 | 23.3 | 23.0 | 22.7 | 22.3 | 22.0 | 21.6 | 21.2 |
| 47 | 52 | 24.4 | 24.2 | 23.9 | 23.7 | 23.4 | 23.1 | 22.9 | 22.6 | 22.2 | 21.9 | 21.6 | 21.2 | 20.9 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 |
| Female 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 35 | 40 | 23.8 | 23.3 | 22.7 | 22.1 | 21.6 | 21.0 | 20.4 | 19.8 | 19.3 | 18.7 | 18.1 | 17.5 | 17.0 |
| 36 | 41 | 23.6 | 23.1 | 22.5 | 22.0 | 21.4 | 20.8 | 20.3 | 19.7 | 19.1 | 18.6 | 18.0 | 17.4 | 16.9 |
| 37 | 42 | 23.4 | 22.9 | 22.3 | 21.8 | 21.2 | 20.7 | 20.1 | 19.6 | 19.0 | 18.4 | 17.9 | 17.3 | 16.8 |
| 38 | 43 | 23.2 | 22.6 | 22.1 | 21.6 | 21.1 | 20.5 | 20.0 | 19.4 | 18.9 | 18.3 | 17.8 | 17.2 | 16.7 |
| 39 | 44 | 22.9 | 22.4 | 21.9 | 21.4 | 20.9 | 20.3 | 19.8 | 19.3 | 18.7 | 18.2 | 17.7 | 17.1 | 16.6 |
| 40 | 45 | 22.7 | 22.2 | 21.7 | 21.2 | 20.7 | 20.1 | 19.6 | 19.1 | 18.6 | 18.0 | 17.5 | 17.0 | 16.5 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 22.4 | 21.9 | 21.4 | 20.9 | 20.4 | 19.9 | 19.4 | 18.9 | 18.4 | 17.9 | 17.4 | 16.9 | 16.3 |
| 42 | 47 | 22.1 | 21.6 | 21.2 | 20.7 | 20.2 | 19.7 | 19.2 | 18.7 | 18.2 | 17.7 | 17.2 | 16.7 | 16.2 |
| 43 | 48 | 21.8 | 21.4 | 20.9 | 20.5 | 20.0 | 19.5 | 19.0 | 18.6 | 18.1 | 17.6 | 17.1 | 16.6 | 16.1 |
| 44 | 49 | 21.5 | 21.1 | 20.6 | 20.2 | 19.8 | 19.3 | 18.8 | 18.4 | 17.9 | 17.4 | 16.9 | 16.4 | 15.9 |
| 45 | 50 | 21.2 | 20.8 | 20.4 | 19.9 | 19.5 | 19.1 | 18.6 | 18.1 | 17.7 | 17.2 | 16.7 | 16.3 | 15.8 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 20.9 | 20.5 | 20.1 | 19.7 | 19.2 | 18.8 | 18.4 | 17.9 | 17.5 | 17.0 | 16.6 | 16.1 | 15.6 |
| 47 | 52 | 20.5 | 20.1 | 19.8 | 19.4 | 19.0 | 18.5 | 18.1 | 17.7 | 17.3 | 16.8 | 16.4 | 15.9 | 15.5 |
| 48 | 53 | 20.2 | 19.8 | 19.4 | 19.1 | 18.7 | 18.3 | 17.9 | 17.5 | 17.0 | 16.6 | 16.2 | 15.7 | 15.3 |
| 49 | 54 | 19.8 | 19.5 | 19.1 | 18.8 | 18.4 | 18.0 | 17.6 | 17.2 | 16.8 | 16.4 | 16.0 | 15.5 | 15.1 |
| 50 | 55 | 19.4 | 19.1 | 18.8 | 18.4 | 18.1 | 17.7 | 17.3 | 16.9 | 16.6 | 16.2 | 15.8 | 15.3 | 14.9 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 19.1 | 18.8 | 18.4 | 18.1 | 17.8 | 17.4 | 17.0 | 16.7 | 16.3 | 15.9 | 15.5 | 15.1 | 14.7 |
| 52 | 57 | 18.7 | 18.4 | 18.1 | 17.8 | 17.4 | 17.1 | 16.8 | 16.4 | 16.0 | 15.7 | 15.3 | 14.9 | 14.5 |
| 53 | 58 | 18.3 | 18.0 | 17.7 | 17.4 | 17.1 | 16.8 | 16.4 | 16.1 | 15.8 | 15.4 | 15.1 | 14.7 | 14.3 |
| 54 | 59 | 17.9 | 17.6 | 17.3 | 17.0 | 16.8 | 16.4 | 16.1 | 15.8 | 15.5 | 15.1 | 14.8 | 14.4 | 14.1 |
| 55 | 60 | 17.5 | 17.2 | 16.9 | 16.7 | 16.4 | 16.1 | 15.8 | 15.5 | 15.2 | 14.9 | 14.5 | 14.2 | 13.9 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 17.0 | 16.8 | 16.6 | 16.3 | 16.0 | 15.8 | 15.5 | 15.2 | 14.9 | 14.6 | 14.3 | 13.9 | 13.6 |
| 57 | 62 | 16.6 | 16.4 | 16.2 | 15.9 | 15.7 | 15.4 | 15.1 | 14.9 | 14.6 | 14.3 | 14.0 | 13.7 | 13.4 |
| 58 | 63 | 16.2 | 16.0 | 15.8 | 15.5 | 15.3 | 15.1 | 14.8 | 14.5 | 14.3 | 14.0 | 13.7 | 13.4 | 13.1 |
| 59 | 64 | 15.7 | 15.5 | 15.3 | 15.1 | 14.9 | 14.7 | 14.4 | 14.2 | 13.9 | 13.7 | 13.4 | 13.1 | 12.8 |
| 60 | 65 | 15.3 | 15.1 | 14.9 | 14.7 | 14.5 | 14.3 | 14.1 | 13.9 | 13.6 | 13.4 | 13.1 | 12.8 | 12.6 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 |
| Female 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 74 | 76 | 77 | 78 |
| 35 | 40 | 16.4 | 15.8 | 15.3 | 14.7 | 14.2 | 13.7 | 13.1 | 12.6 | 12.1 | 11.6 | 11.1 | 10.7 | 10.2 |
| 36 | 41 | 16.3 | 15.8 | 15.2 | 14.7 | 14.1 | 13.6 | 13.1 | 12.6 | 12.1 | 11.6 | 11.1 | 10.6 | 10.2 |
| 37 | 42 | 16.2 | 15.7 | 15.1 | 14.6 | 14.1 | 13.6 | 13.0 | 12.5 | 12.0 | 11.5 | 11.1 | 10.6 | 10.1 |
| 38 | 43 | 16.1 | 15.6 | 15.1 | 14.5 | 14.0 | 13.5 | 13.0 | 12.5 | 12.0 | 11.5 | 11.0 | 10.6 | 10.1 |
| 39 | 44 | 16.0 | 15.5 | 15.0 | 14.5 | 13.9 | 13.4 | 12.9 | 12.4 | 11.9 | 11.5 | 11.0 | 10.5 | 10.1 |
| 40 | 45 | 15.9 | 15.4 | 14.9 | 14.4 | 13.9 | 13.4 | 12.9 | 12.4 | 11.9 | 11.4 | 11.0 | 10.5 | 10.0 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 15.8 | 15.3 | 14.8 | 14.3 | 13.8 | 13.3 | 12.8 | 12.3 | 11.8 | 11.4 | 10.9 | 10.5 | 10.0 |
| 42 | 47 | 15.7 | 15.2 | 14.7 | 14.2 | 13.7 | 13.2 | 12.7 | 12.3 | 11.8 | 11.3 | 10.9 | 10.4 | 10.0 |
| 43 | 48 | 15.6 | 15.1 | 14.6 | 14.1 | 13.6 | 13.1 | 12.7 | 12.2 | 11.7 | 11.3 | 10.8 | 10.4 | 9.9 |
| 44 | 49 | 15.5 | 15.0 | 14.5 | 14.0 | 13.5 | 13.1 | 12.6 | 12.1 | 11.7 | 11.2 | 10.8 | 10.3 | 9.9 |
| 45 | 50 | 15.3 | 14.8 | 14.4 | 13.9 | 13.4 | 13.0 | 12.5 | 12.0 | 11.6 | 11.1 | 10.7 | 10.3 | 9.8 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 15.2 | 14.7 | 14.2 | 13.8 | 13.3 | 12.9 | 12.4 | 12.0 | 11.5 | 11.1 | 10.6 | 10.2 | 9.8 |
| 47 | 52 | 15.0 | 14.6 | 14.1 | 13.7 | 13.2 | 12.8 | 12.3 | 11.9 | 11.4 | 11.0 | 10.6 | 10.1 | 9.7 |
| 48 | 53 | 14.9 | 14.4 | 14.0 | 13.5 | 13.1 | 12.6 | 12.2 | 11.8 | 11.3 | 10.9 | 10.5 | 10.1 | 9.7 |
| 49 | 54 | 14.7 | 14.3 | 13.8 | 13.4 | 13.0 | 12.5 | 12.1 | 11.7 | 11.3 | 10.8 | 10.4 | 10.0 | 9.6 |
| 50 | 55 | 14.5 | 14.1 | 13.7 | 13.3 | 12.8 | 12.4 | 12.0 | 11.6 | 11.2 | 10.7 | 10.3 | 9.9 | 9.5 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 14.3 | 13.9 | 13.5 | 13.1 | 12.7 | 12.3 | 11.9 | 11.5 | 11.1 | 10.7 | 10.3 | 9.9 | 9.5 |
| 52 | 57 | 14.1 | 13.7 | 13.3 | 12.9 | 12.5 | 12.1 | 11.7 | 11.3 | 10.9 | 10.6 | 10.2 | 9.8 | 9.4 |
| 53 | 58 | 13.9 | 13.6 | 13.2 | 12.8 | 12.4 | 12.0 | 11.6 | 11.2 | 10.8 | 10.5 | 10.1 | 9.7 | 9.3 |
| 54 | 59 | 13.7 | 13.4 | 13.0 | 12.6 | 12.2 | 11.9 | 11.5 | 11.1 | 10.7 | 10.3 | 10.0 | 9.6 | 9.2 |
| 55 | 60 | 13.5 | 13.2 | 12.8 | 12.4 | 12.1 | 11.7 | 11.3 | 11.0 | 10.6 | 10.2 | 9.9 | 9.5 | 9.1 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 13.3 | 12.9 | 12.6 | 12.2 | 11.9 | 11.5 | 11.2 | 10.8 | 10.5 | 10.1 | 9.8 | 9.4 | 9.0 |
| 57 | 62 | 13.0 | 12.7 | 12.4 | 12.1 | 11.7 | 11.4 | 11.0 | 10.7 | 10.3 | 10.0 | 9.6 | 9.3 | 8.9 |
| 58 | 63 | 12.8 | 12.5 | 12.2 | 11.8 | 11.5 | 11.2 | 10.9 | 10.5 | 10.2 | 9.8 | 9.5 | 9.2 | 8.8 |
| 59 | 64 | 12.6 | 12.3 | 11.9 | 11.6 | 11.3 | 11.0 | 10.7 | 10.4 | 10.0 | 9.7 | 9.4 | 9.1 | 8.7 |
| 60 | 65 | 12.3 | 12.0 | 11.7 | 11.4 | 11.1 | 10.8 | 10.5 | 10.2 | 9.9 | 9.6 | 9.3 | 8.9 | 8.6 |
| | | | | | | | | | | | | | | |
| 61 | 66 | 12.0 | 11.8 | 11.5 | 11.2 | 10.9 | 10.6 | 10.3 | 10.0 | 9.7 | 9.4 | 9.1 | 8.8 | 8.5 |
| 62 | 67 | 11.8 | 11.5 | 11.2 | 11.0 | 10.7 | 10.4 | 10.1 | 9.8 | 9.6 | 9.3 | 9.0 | 8.7 | 8.4 |
| 63 | 68 | 11.5 | 11.2 | 11.0 | 10.7 | 10.5 | 10.2 | 9.9 | 9.7 | 9.4 | 9.1 | 8.8 | 8.5 | 8.2 |
| 64 | 69 | 11.2 | 11.0 | 10.7 | 10.5 | 10.2 | 10.0 | 9.7 | 9.5 | 9.2 | 8.9 | 8.7 | 8.4 | 8.1 |
| 65 | 70 | 10.9 | 10.7 | 10.5 | 10.2 | 10.0 | 9.8 | 9.5 | 9.3 | 9.0 | 8.8 | 8.5 | 8.2 | 8.0 |
| | | | | | | | | | | | | | | |
| 66 | 71 | 10.6 | 10.4 | 10.2 | 10.0 | 9.8 | 9.5 | 9.3 | 9.1 | 8.8 | 8.6 | 8.3 | 8.1 | 7.8 |
| 67 | 72 | 10.3 | 10.1 | 9.9 | 9.7 | 9.5 | 9.3 | 9.1 | 8.9 | 8.6 | 8.4 | 8.1 | 7.9 | 7.7 |
| 68 | 73 | 10.0 | 9.8 | 9.7 | 9.5 | 9.3 | 9.1 | 8.9 | 8.6 | 8.4 | 8.2 | 8.0 | 7.7 | 7.5 |
| 69 | 74 | 9.7 | 9.6 | 9.4 | 9.2 | 9.0 | 8.8 | 8.6 | 8.4 | 8.2 | 8.0 | 7.8 | 7.6 | 7.3 |
| 70 | 75 | 9.4 | 9.3 | 9.1 | 8.9 | 8.8 | 8.6 | 8.4 | 8.2 | 8.0 | 7.8 | 7.6 | 7.4 | 7.2 |
| 71 | 76 | 9.1 | 9.0 | 8.8 | 8.7 | 8.5 | 8.3 | 8.1 | 8.0 | 7.8 | 7.6 | 7.4 | 7.2 | 7.0 |
| 72 | 77 | 8.8 | 8.7 | 8.5 | 8.4 | 8.2 | 8.1 | 7.9 | 7.7 | 7.6 | 7.4 | 7.2 | 7.0 | 6.8 |
| 73 | 78 | 8.5 | 8.4 | 8.2 | 8.1 | 8.0 | 7.8 | 7.7 | 7.5 | 7.3 | 7.2 | 7.0 | 6.8 | 6.7 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 |
| Female 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 |
| 35 | 40 | 9.7 | 9.3 | 8.9 | 8.5 | 8.1 | 7.7 | 7.3 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.3 |
| 36 | 41 | 9.7 | 9.3 | 8.9 | 8.4 | 8.0 | 7.7 | 7.3 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.3 |
| 37 | 42 | 9.7 | 9.3 | 8.8 | 8.4 | 8.0 | 7.6 | 7.3 | 6.9 | 6.5 | 6.2 | 5.9 | 5.6 | 5.3 |
| 38 | 43 | 9.7 | 9.2 | 8.8 | 8.4 | 8.0 | 7.6 | 7.2 | 6.9 | 6.5 | 6.2 | 5.9 | 5.6 | 5.3 |
| 39 | 44 | 9.6 | 9.2 | 8.8 | 8.4 | 8.0 | 7.6 | 7.2 | 6.9 | 6.5 | 6.2 | 5.9 | 5.6 | 5.3 |
| 40 | 45 | 9.6 | 9.2 | 8.8 | 8.4 | 8.0 | 7.6 | 7.2 | 6.9 | 6.5 | 6.2 | 5.9 | 5.5 | 5.2 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 9.6 | 9.2 | 8.7 | 8.3 | 7.9 | 7.6 | 7.2 | 6.8 | 6.5 | 6.2 | 5.8 | 5.5 | 5.2 |
| 42 | 47 | 9.5 | 9.1 | 8.7 | 8.3 | 7.9 | 7.5 | 7.2 | 6.8 | 6.5 | 6.2 | 5.8 | 5.5 | 5.2 |
| 43 | 48 | 9.5 | 9.1 | 8.7 | 8.3 | 7.9 | 7.5 | 7.2 | 6.8 | 6.5 | 6.1 | 5.8 | 5.5 | 5.2 |
| 44 | 49 | 9.5 | 9.0 | 8.6 | 8.2 | 7.9 | 7.5 | 7.1 | 6.8 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 |
| 45 | 50 | 9.4 | 9.0 | 8.6 | 8.2 | 7.8 | 7.5 | 7.1 | 6.8 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 |
| | | | | | | | | | | | | | | |
| 46 | 51 | 9.4 | 9.0 | 8.6 | 8.2 | 7.8 | 7.4 | 7.1 | 6.7 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 |
| 47 | 52 | 9.3 | 8.9 | 8.5 | 8.1 | 7.8 | 7.4 | 7.1 | 6.7 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 |
| 48 | 53 | 9.3 | 8.9 | 8.5 | 8.1 | 7.7 | 7.4 | 7.0 | 6.7 | 6.4 | 6.0 | 5.7 | 5.4 | 5.1 |
| 49 | 54 | 9.2 | 8.8 | 8.4 | 8.1 | 7.7 | 7.3 | 7.0 | 6.7 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 |
| 50 | 55 | 9.1 | 8.8 | 8.4 | 8.0 | 7.7 | 7.3 | 7.0 | 6.6 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 9.1 | 8.7 | 8.3 | 8.0 | 7.6 | 7.3 | 6.9 | 6.6 | 6.3 | 6.0 | 5.7 | 5.4 | 5.1 |
| 52 | 57 | 9.0 | 8.6 | 8.3 | 7.9 | 7.6 | 7.2 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.4 | 5.1 |
| 53 | 58 | 8.9 | 8.6 | 8.2 | 7.9 | 7.5 | 7.2 | 6.9 | 6.5 | 6.2 | 5.9 | 5.6 | 5.3 | 5.1 |
| 54 | 59 | 8.9 | 8.5 | 8.2 | 7.8 | 7.5 | 7.1 | 6.8 | 6.5 | 6.2 | 5.9 | 5.6 | 5.3 | 5.0 |
| 55 | 60 | 8.8 | 8.4 | 8.1 | 7.7 | 7.4 | 7.1 | 6.8 | 6.4 | 6.1 | 5.8 | 5.6 | 5.3 | 5.0 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 8.7 | 8.4 | 8.0 | 7.7 | 7.3 | 7.0 | 6.7 | 6.4 | 6.1 | 5.8 | 5.5 | 5.3 | 5.0 |
| 57 | 62 | 8.6 | 8.3 | 7.9 | 7.6 | 7.3 | 7.0 | 6.7 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 | 5.0 |
| 58 | 63 | 8.5 | 8.2 | 7.9 | 7.5 | 7.2 | 6.9 | 6.6 | 6.3 | 6.0 | 5.7 | 5.5 | 5.2 | 4.9 |
| 59 | 64 | 8.4 | 8.1 | 7.8 | 7.5 | 7.1 | 6.8 | 6.5 | 6.3 | 6.0 | 5.7 | 5.4 | 5.2 | 4.9 |
| 60 | 65 | 8.3 | 8.0 | 7.7 | 7.4 | 7.1 | 6.8 | 6.5 | 6.2 | 5.9 | 5.6 | 5.4 | 5.1 | 4.9 |
| | | | | | | | | | | | | | | |
| 61 | 66 | 8.2 | 7.9 | 7.6 | 7.3 | 7.0 | 6.7 | 6.4 | 6.1 | 5.9 | 5.6 | 5.3 | 5.1 | 4.8 |
| 62 | 67 | 8.1 | 7.8 | 7.5 | 7.2 | 6.9 | 6.6 | 6.4 | 6.1 | 5.8 | 5.5 | 5.3 | 5.0 | 4.8 |
| 63 | 68 | 8.0 | 7.7 | 7.4 | 7.1 | 6.8 | 6.6 | 6.3 | 6.0 | 5.7 | 5.5 | 5.2 | 5.0 | 4.7 |
| 64 | 69 | 7.8 | 7.6 | 7.3 | 7.0 | 6.7 | 6.5 | 6.2 | 5.9 | 5.7 | 5.4 | 5.2 | 4.9 | 4.7 |
| 65 | 70 | 7.7 | 7.4 | 7.2 | 6.9 | 6.6 | 6.4 | 6.1 | 5.9 | 5.6 | 5.4 | 5.1 | 4.9 | 4.7 |
| | | | | | | | | | | | | | | |
| 66 | 71 | 7.6 | 7.3 | 7.1 | 6.8 | 6.5 | 6.3 | 6.0 | 5.8 | 5.5 | 5.3 | 5.1 | 4.8 | 4.6 |
| 67 | 72 | 7.4 | 7.2 | 6.9 | 6.7 | 6.4 | 6.2 | 6.0 | 5.7 | 5.5 | 5.2 | 5.0 | 4.8 | 4.6 |
| 68 | 73 | 7.3 | 7.0 | 6.8 | 6.6 | 6.3 | 6.1 | 5.9 | 5.6 | 5.4 | 5.2 | 4.9 | 4.7 | 4.5 |
| 69 | 74 | 7.1 | 6.9 | 6.7 | 6.4 | 6.2 | 6.0 | 5.8 | 5.5 | 5.3 | 5.1 | 4.9 | 4.7 | 4.5 |
| 70 | 75 | 7.0 | 6.8 | 6.5 | 6.3 | 6.1 | 5.9 | 5.7 | 5.4 | 5.2 | 5.0 | 4.8 | 4.6 | 4.4 |
| | | | | | | | | | | | | | | |
| 71 | 76 | 6.8 | 6.6 | 6.4 | 6.2 | 6.0 | 5.8 | 5.6 | 5.3 | 5.1 | 4.9 | 4.7 | 4.5 | 4.3 |
| 72 | 77 | 6.6 | 6.4 | 6.3 | 6.1 | 5.9 | 5.7 | 5.5 | 5.3 | 5.0 | 4.9 | 4.7 | 4.5 | 4.3 |
| 73 | 78 | 6.5 | 6.3 | 6.1 | 5.9 | 5.7 | 5.5 | 5.3 | 5.1 | 5.0 | 4.8 | 4.6 | 4.4 | 4.2 |
| 74 | 79 | 6.3 | 6.1 | 6.0 | 5.8 | 5.6 | 5.4 | 5.2 | 5.0 | 4.9 | 4.7 | 4.5 | 4.3 | 4.1 |
| 75 | 80 | 6.1 | 6.0 | 5.8 | 5.6 | 5.5 | 5.3 | 5.1 | 4.9 | 4.8 | 4.6 | 4.4 | 4.2 | 4.1 |
| | | | | | | | | | | | | | | |
| 76 | 81 | 6.0 | 5.8 | 5.6 | 5.5 | 5.3 | 5.2 | 5.0 | 4.8 | 4.7 | 4.5 | 4.3 | 4.1 | 4.0 |
| 77 | 82 | 5.8 | 5.6 | 5.5 | 5.3 | 5.2 | 5.0 | 4.9 | 4.7 | 4.5 | 4.4 | 4.2 | 4.1 | 3.9 |
| 78 | 83 | 5.6 | 5.5 | 5.3 | 5.2 | 5.0 | 4.9 | 4.7 | 4.6 | 4.4 | 4.3 | 4.1 | 4.0 | 3.8 |
| 79 | 84 | 5.4 | 5.3 | 5.2 | 5.0 | 4.9 | 4.7 | 4.6 | 4.5 | 4.3 | 4.2 | 4.0 | 3.9 | 3.7 |
| 80 | 85 | 5.2 | 5.1 | 5.0 | 4.9 | 4.7 | 4.6 | 4.5 | 4.3 | 4.2 | 4.1 | 3.9 | 3.8 | 3.6 |
| | | | | | | | | | | | | | | |
| 81 | 86 | 5.0 | 4.9 | 4.8 | 4.7 | 4.6 | 4.5 | 4.3 | 4.2 | 4.1 | 3.9 | 3.8 | 3.7 | 3.6 |
| 82 | 87 | 4.9 | 4.8 | 4.7 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 | 3.8 | 3.7 | 3.6 | 3.5 |
| 83 | 88 | 4.7 | 4.6 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 3.9 | 3.8 | 3.7 | 3.6 | 3.5 | 3.4 |
| 84 | 89 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 | 3.9 | 3.8 | 3.7 | 3.6 | 3.5 | 3.4 | 3.3 |
| 85 | 90 | 4.3 | 4.2 | 4.1 | 4.1 | 4.0 | 3.9 | 3.8 | 3.7 | 3.6 | 3.5 | 3.4 | 3.3 | 3.2 |
| 86 | 91 | 4.1 | 4.1 | 4.0 | 3.9 | 3.8 | 3.7 | 3.6 | 3.6 | 3.5 | 3.4 | 3.3 | 3.2 | 3.1 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 |
| Female 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 |
| 35 | 40 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 |
| 36 | 41 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 |
| 37 | 42 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 |
| 38 | 43 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.8 | 2.6 |
| 39 | 44 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.0 | 2.8 | 2.6 |
| 40 | 45 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.0 | 2.8 | 2.6 |
| | | | | | | | | | | | | |
| 41 | 46 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.2 | 3.0 | 2.8 | 2.6 |
| 42 | 47 | 4.9 | 4.7 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.2 | 3.0 | 2.8 | 2.6 |
| 43 | 48 | 4.9 | 4.7 | 4.4 | 4.1 | 3.9 | 3.7 | 3.5 | 3.2 | 3.0 | 2.8 | 2.6 |
| 44 | 49 | 4.9 | 4.7 | 4.4 | 4.1 | 3.9 | 3.7 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 45 | 50 | 4.9 | 4.6 | 4.4 | 4.1 | 3.9 | 3.7 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| | | | | | | | | | | | | |
| 46 | 51 | 4.9 | 4.6 | 4.4 | 4.1 | 3.9 | 3.7 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 47 | 52 | 4.9 | 4.6 | 4.4 | 4.1 | 3.9 | 3.7 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 48 | 53 | 4.9 | 4.6 | 4.4 | 4.1 | 3.9 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 49 | 54 | 4.9 | 4.6 | 4.3 | 4.1 | 3.9 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 50 | 55 | 4.8 | 4.6 | 4.3 | 4.1 | 3.9 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| | | | | | | | | | | | | |
| 51 | 56 | 4.8 | 4.6 | 4.3 | 4.1 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 52 | 57 | 4.8 | 4.5 | 4.3 | 4.1 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 53 | 58 | 4.8 | 4.5 | 4.3 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 54 | 59 | 4.8 | 4.5 | 4.3 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| 55 | 60 | 4.7 | 4.5 | 4.3 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 |
| | | | | | | | | | | | | |
| 56 | 61 | 4.7 | 4.5 | 4.2 | 4.0 | 3.8 | 3.6 | 3.3 | 3.1 | 2.9 | 2.8 | 2.6 |
| 57 | 62 | 4.7 | 4.5 | 4.2 | 4.0 | 3.8 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.6 |
| 58 | 63 | 4.7 | 4.4 | 4.2 | 4.0 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 |
| 59 | 64 | 4.6 | 4.4 | 4.2 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 35 | 40 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 36 | 41 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 |
| 37 | 42 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 38 | 43 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 39 | 44 | 2.4 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | |
| 40 | 45 | 2.4 | 2.2 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 41 | 46 | 2.4 | 2.2 | 2.1 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 42 | 47 | 2.4 | 2.2 | 2.0 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 43 | 48 | 2.4 | 2.2 | 2.0 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 44 | 49 | 2.4 | 2.2 | 2.0 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | |
| 45 | 50 | 2.4 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 46 | 51 | 2.4 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 47 | 52 | 2.4 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 48 | 53 | 2.4 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 49 | 54 | 2.4 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | |
| 50 | 55 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 51 | 56 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 52 | 57 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 53 | 58 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 54 | 59 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| | | | | | | | | | | | | |
| 55 | 60 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 56 | 61 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 |
| 57 | 62 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 0.9 | 0.8 | 0.7 |
| 58 | 63 | 2.4 | 2.2 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 0.9 | 0.8 | 0.7 |
| 59 | 64 | 2.3 | 2.2 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 0.9 | 0.8 | 0.7 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 |
| Female 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 |
| 60 | 65 | 4.6 | 4.4 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 |
| 61 | 66 | 4.6 | 4.3 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 |
| 62 | 67 | 4.5 | 4.3 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 |
| 63 | 68 | 4.5 | 4.3 | 4.1 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.9 | 2.7 | 2.5 |
| 64 | 69 | 4.5 | 4.2 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.7 | 2.5 |
| | | | | | | | | | | | | |
| 65 | 70 | 4.4 | 4.2 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 | 2.5 |
| 66 | 71 | 4.4 | 4.2 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.6 | 2.4 |
| 67 | 72 | 4.3 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 3.0 | 2.8 | 2.6 | 2.4 |
| 68 | 73 | 4.3 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.8 | 2.6 | 2.4 |
| 69 | 74 | 4.2 | 4.0 | 3.8 | 3.6 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.6 | 2.4 |
| | | | | | | | | | | | | |
| 70 | 75 | 4.2 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.1 | 2.9 | 2.7 | 2.5 | 2.4 |
| 71 | 76 | 4.1 | 3.9 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.9 | 2.7 | 2.5 | 2.3 |
| 72 | 77 | 4.1 | 3.9 | 3.7 | 3.5 | 3.3 | 3.2 | 3.0 | 2.8 | 2.7 | 2.5 | 2.3 |
| 73 | 78 | 4.0 | 3.8 | 3.7 | 3.5 | 3.3 | 3.1 | 3.0 | 2.8 | 2.6 | 2.5 | 2.3 |
| 74 | 79 | 3.9 | 3.8 | 3.6 | 3.4 | 3.3 | 3.1 | 2.9 | 2.8 | 2.6 | 2.4 | 2.3 |
| | | | | | | | | | | | | |
| 75 | 80 | 3.9 | 3.7 | 3.5 | 3.4 | 3.2 | 3.0 | 2.9 | 2.7 | 2.6 | 2.4 | 2.2 |
| 76 | 81 | 3.8 | 3.6 | 3.5 | 3.3 | 3.2 | 3.0 | 2.8 | 2.7 | 2.5 | 2.4 | 2.2 |
| 77 | 82 | 3.7 | 3.6 | 3.4 | 3.3 | 3.1 | 3.0 | 2.8 | 2.6 | 2.5 | 2.3 | 2.2 |
| 78 | 83 | 3.7 | 3.5 | 3.4 | 3.2 | 3.1 | 2.9 | 2.7 | 2.6 | 2.4 | 2.3 | 2.1 |
| 79 | 84 | 3.6 | 3.4 | 3.3 | 3.1 | 3.0 | 2.8 | 2.7 | 2.5 | 2.4 | 2.2 | 2.1 |
| | | | | | | | | | | | | |
| 80 | 85 | 3.5 | 3.4 | 3.2 | 3.1 | 2.9 | 2.8 | 2.6 | 2.5 | 2.3 | 2.2 | 2.0 |
| 81 | 86 | 3.4 | 3.3 | 3.1 | 3.0 | 2.9 | 2.7 | 2.6 | 2.4 | 2.3 | 2.1 | 2.0 |
| 82 | 87 | 3.3 | 3.2 | 3.1 | 2.9 | 2.8 | 2.7 | 2.5 | 2.4 | 2.2 | 2.1 | 2.0 |
| 83 | 88 | 3.2 | 3.1 | 3.0 | 2.9 | 2.7 | 2.6 | 2.5 | 2.3 | 2.2 | 2.0 | 1.9 |
| 84 | 89 | 3.1 | 3.0 | 2.9 | 2.8 | 2.7 | 2.5 | 2.4 | 2.3 | 2.1 | 2.0 | 1.9 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 |
| Female 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 |
| 60 | 65 | 2.3 | 2.1 | 2.0 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 0.9 | 0.8 | 0.7 |
| 61 | 66 | 2.3 | 2.1 | 2.0 | 1.8 | 1.6 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| 62 | 67 | 2.3 | 2.1 | 1.9 | 1.8 | 1.6 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| 63 | 68 | 2.3 | 2.1 | 1.9 | 1.7 | 1.6 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| 64 | 69 | 2.3 | 2.1 | 1.9 | 1.7 | 1.6 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| 65 | 70 | 2.3 | 2.1 | 1.9 | 1.7 | 1.6 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| | | | | | | | | | | | | |
| 66 | 71 | 2.3 | 2.1 | 1.9 | 1.7 | 1.5 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 |
| 67 | 72 | 2.2 | 2.1 | 1.9 | 1.7 | 1.5 | 1.4 | 1.2 | 1.0 | 0.9 | 0.7 | 0.7 |
| 68 | 73 | 2.2 | 2.0 | 1.9 | 1.7 | 1.5 | 1.4 | 1.2 | 1.0 | 0.9 | 0.7 | 0.7 |
| 69 | 74 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 0.7 | 0.6 |
| 70 | 75 | 2.2 | 2.0 | 1.8 | 1.7 | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 0.7 | 0.6 |
| | | | | | | | | | | | | |
| 71 | 76 | 2.2 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 0.7 | 0.6 |
| 72 | 77 | 2.1 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 |
| 73 | 78 | 2.1 | 1.9 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 |
| 74 | 79 | 2.1 | 1.9 | 1.7 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 |
| 75 | 80 | 2.1 | 1.9 | 1.7 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | |
| | | | | | | | | | | | | |
| 76 | 81 | 2.0 | 1.9 | 1.7 | 1.5 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 | |
| 77 | 82 | 2.0 | 1.8 | 1.7 | 1.5 | 1.4 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 | |
| 78 | 83 | 2.0 | 1.8 | 1.6 | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 0.8 | 0.7 | |
| 79 | 84 | 1.9 | 1.8 | 1.6 | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 0.8 | 0.7 | |
| 80 | 85 | 1.9 | 1.7 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | 0.9 | 0.7 | 0.7 | |
| | | | | | | | | | | | | |
| 81 | 86 | 1.8 | 1.7 | 1.5 | 1.4 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 | |
| 82 | 87 | 1.8 | 1.7 | 1.5 | 1.4 | 1.2 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 | |
| 83 | 88 | 1.8 | 1.6 | 1.5 | 1.3 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 | 0.6 | |
| 84 | 89 | 1.7 | 1.6 | 1.4 | 1.3 | 1.2 | 1.0 | 0.9 | 0.8 | 0.7 | | |

| Male | Female | Ages |
| --- | --- | --- |
| Male 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 |
| Female 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 |
| 85 | 90 | 3.1 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.3 | 2.2 | 2.1 | 1.9 |
| 86 | 91 | 3.0 | 2.8 | 2.7 | 2.6 | 2.5 | 2.4 | 2.3 | 2.1 | 2.0 | 1.9 |
| 87 | 92 | 2.9 | 2.8 | 2.6 | 2.5 | 2.4 | 2.3 | 2.2 | 2.1 | 1.9 | 1.8 |
| 88 | 93 | 2.8 | 2.7 | 2.6 | 2.4 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.7 |
| 89 | 94 | 2.6 | 2.6 | 2.5 | 2.4 | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.7 |
| 90 | 95 | 2.5 | 2.4 | 2.4 | 2.3 | 2.2 | 2.0 | 1.9 | 1.8 | 1.7 | 1.6 |
| | | | | | | | | | | | |
| 91 | 96 | 2.4 | 2.3 | 2.2 | 2.2 | 2.1 | 2.0 | 1.9 | 1.7 | 1.6 | 1.5 |
| 92 | 97 | 2.3 | 2.2 | 2.1 | 2.0 | 2.0 | 1.9 | 1.8 | 1.7 | 1.6 | 1.5 |
| 93 | 98 | 2.2 | 2.1 | 2.0 | 1.9 | 1.9 | 1.8 | 1.7 | 1.6 | 1.5 | 1.4 |
| 94 | 99 | 2.1 | 2.0 | 1.9 | 1.8 | 1.7 | 1.7 | 1.6 | 1.5 | 1.4 | 1.3 |
| 95 | 100 | 1.9 | 1.9 | 1.8 | 1.7 | 1.6 | 1.6 | 1.5 | 1.4 | 1.3 | 1.2 |
| | | | | | | | | | | | |
| 96 | 101 | 1.8 | 1.7 | 1.7 | 1.6 | 1.5 | 1.5 | 1.4 | 1.3 | 1.2 | 1.1 |
| 97 | 102 | 1.7 | 1.6 | 1.6 | 1.5 | 1.4 | 1.4 | 1.3 | 1.2 | 1.1 | 1.1 |
| 98 | 103 | 1.6 | 1.5 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.1 | 1.0 | 1.0 |
| 99 | 104 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.1 | 1.1 | 1.0 | 1.0 | 0.9 |

| Male | Female | Ages |
| --- | --- | --- |
| Male 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 |
| Female 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 |
| 85 | 90 | 1.8 | 1.7 | 1.5 | 1.4 | 1.3 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 |
| 86 | 91 | 1.7 | 1.6 | 1.5 | 1.3 | 1.2 | 1.1 | 1.0 | 0.8 | 0.7 | 0.7 |
| 87 | 92 | 1.7 | 1.6 | 1.4 | 1.3 | 1.2 | 1.1 | 0.9 | 0.8 | 0.7 | 0.6 |
| 88 | 93 | 1.6 | 1.5 | 1.4 | 1.3 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 |
| 89 | 94 | 1.6 | 1.4 | 1.3 | 1.2 | 1.1 | 1.0 | 0.9 | 0.7 | 0.7 | |
| 90 | 95 | 1.5 | 1.4 | 1.3 | 1.2 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | |
| | | | | | | | | | | | |
| 91 | 96 | 1.4 | 1.3 | 1.2 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | |
| 92 | 97 | 1.4 | 1.3 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.7 | | |
| 93 | 98 | 1.3 | 1.2 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | | |
| 94 | 99 | 1.2 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.7 | | | |
| 95 | 100 | 1.1 | 1.0 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | | | |
| | | | | | | | | | | | |
| 96 | 101 | 1.1 | 1.0 | 0.9 | 0.8 | 0.7 | 0.7 | | | | |
| 97 | 102 | 1.0 | 0.9 | 0.8 | 0.7 | 0.7 | 0.6 | | | | |
| 98 | 103 | 0.9 | 0.8 | 0.7 | 0.7 | 0.6 | | | | | |
| 99 | 104 | 0.8 | 0.7 | 0.7 | 0.6 | | | | | | |

| Ages | Duration of guaranteed amount—[Years] |
| --- | --- |
| Male | Female | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 |
| 6 | 11 | | | | | | | | | 1 | 1 | 1 | 1 | 1 |
| 7 | 12 | | | | | | | | | 1 | 1 | 1 | 1 | 1 |
| 8 | 13 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 9 | 14 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 10 | 15 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| | | | | | | | | | | | | | | |
| 11 | 16 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 12 | 17 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 13 | 18 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 14 | 19 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 15 | 20 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| | | | | | | | | | | | | | | |
| 16 | 21 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 17 | 22 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 18 | 23 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 19 | 24 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 20 | 25 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| | | | | | | | | | | | | | | |
| 21 | 26 | | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 |
| 22 | 27 | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 23 | 28 | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 24 | 29 | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 25 | 30 | | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| | | | | | | | | | | | | | | |
| 26 | 31 | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 27 | 32 | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 28 | 33 | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 29 | 34 | | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 30 | 35 | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| | | | | | | | | | | | | | | |
| 31 | 36 | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 32 | 37 | | | | | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 33 | 38 | | | | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 34 | 39 | | | | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 35 | 40 | | | | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| | | | | | | | | | | | | | | |
| 36 | 41 | | | | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 |
| 37 | 42 | | | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 | 3 |
| 38 | 43 | | | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 | 3 |
| 39 | 44 | | | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 40 | 45 | | | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 3 | 4 |
| | | | | | | | | | | | | | | |
| 41 | 46 | | | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 3 | 4 |
| 42 | 47 | | | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 3 | 4 | 4 |
| 43 | 48 | | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 4 |
| 44 | 49 | | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 4 | 4 | 5 |
| 45 | 50 | | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 |
| | | | | | | | | | | | | | | |
| 46 | 51 | | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 4 | 4 | 5 | 5 |
| 47 | 52 | | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 | 6 |
| 48 | 53 | | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 5 | 5 | 6 | 6 |
| 49 | 54 | | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 5 | 6 | 7 |
| 50 | 55 | | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 5 | 5 | 6 | 7 | 7 |
| | | | | | | | | | | | | | | |
| 51 | 56 | | 1 | 1 | 2 | 3 | 3 | 4 | 4 | 5 | 6 | 6 | 7 | 8 |
| 52 | 57 | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 5 | 5 | 6 | 7 | 8 | 8 |
| 53 | 58 | 1 | 1 | 2 | 2 | 3 | 4 | 4 | 5 | 6 | 7 | 7 | 8 | 9 |
| 54 | 59 | 1 | 1 | 2 | 2 | 3 | 4 | 5 | 5 | 6 | 7 | 8 | 9 | 10 |
| 55 | 60 | 1 | 1 | 2 | 3 | 3 | 4 | 5 | 6 | 7 | 8 | 8 | 9 | 10 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 1 | 1 | 2 | 3 | 4 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 |
| 57 | 62 | 1 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
| 58 | 63 | 1 | 2 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 12 | 13 |
| 59 | 64 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 14 |
| 60 | 65 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 11 | 12 | 13 | 15 |
| | | | | | | | | | | | | | | |
| 61 | 66 | 1 | 2 | 3 | 4 | 5 | 6 | 8 | 9 | 10 | 12 | 13 | 14 | 16 |
| 62 | 67 | 1 | 2 | 3 | 4 | 6 | 7 | 8 | 10 | 11 | 12 | 14 | 15 | 17 |
| 63 | 68 | 1 | 2 | 4 | 5 | 6 | 7 | 9 | 10 | 12 | 13 | 15 | 16 | 18 |
| 64 | 69 | 1 | 3 | 4 | 5 | 7 | 8 | 9 | 11 | 13 | 14 | 16 | 17 | 19 |
| 65 | 70 | 1 | 3 | 4 | 6 | 7 | 9 | 10 | 12 | 13 | 15 | 17 | 19 | 20 |
| | | | | | | | | | | | | | | |
| 66 | 71 | 1 | 3 | 4 | 6 | 8 | 9 | 11 | 13 | 14 | 16 | 18 | 20 | 22 |
| 67 | 72 | 2 | 3 | 5 | 6 | 8 | 10 | 12 | 14 | 15 | 17 | 19 | 21 | 23 |
| 68 | 73 | 2 | 3 | 5 | 7 | 9 | 11 | 13 | 14 | 16 | 18 | 21 | 23 | 25 |
| 69 | 74 | 2 | 4 | 6 | 7 | 9 | 11 | 13 | 16 | 18 | 20 | 22 | 24 | 26 |
| 70 | 75 | 2 | 4 | 6 | 8 | 10 | 12 | 14 | 17 | 19 | 21 | 23 | 26 | 28 |
| | | | | | | | | | | | | | | |
| 71 | 76 | 2 | 4 | 6 | 9 | 11 | 13 | 15 | 18 | 20 | 22 | 25 | 27 | 29 |
| 72 | 77 | 2 | 5 | 7 | 9 | 12 | 14 | 16 | 19 | 21 | 24 | 26 | 29 | 31 |
| 73 | 78 | 2 | 5 | 7 | 10 | 12 | 15 | 18 | 20 | 23 | 25 | 28 | 30 | 33 |
| 74 | 79 | 3 | 5 | 8 | 11 | 13 | 16 | 19 | 22 | 24 | 27 | 30 | 32 | 35 |
| 75 | 80 | 3 | 6 | 8 | 11 | 14 | 17 | 20 | 23 | 26 | 29 | 31 | 34 | 37 |
| | | | | | | | | | | | | | | |
| 76 | 81 | 3 | 6 | 9 | 12 | 15 | 18 | 21 | 24 | 27 | 30 | 33 | 36 | 39 |
| 77 | 82 | 3 | 7 | 10 | 13 | 16 | 20 | 23 | 26 | 29 | 32 | 35 | 38 | 41 |
| 78 | 83 | 4 | 7 | 11 | 14 | 17 | 21 | 24 | 28 | 31 | 34 | 37 | 40 | 43 |
| 79 | 84 | 4 | 8 | 11 | 15 | 19 | 22 | 26 | 29 | 33 | 36 | 39 | 42 | 45 |
| 80 | 85 | 4 | 8 | 12 | 16 | 20 | 24 | 27 | 31 | 34 | 38 | 41 | 44 | 47 |
| | | | | | | | | | | | | | | |
| 81 | 86 | 4 | 9 | 13 | 17 | 21 | 25 | 29 | 33 | 36 | 40 | 43 | 46 | 49 |
| 82 | 87 | 5 | 9 | 14 | 18 | 23 | 27 | 31 | 35 | 38 | 42 | 45 | 48 | 51 |
| 83 | 88 | 5 | 10 | 15 | 19 | 24 | 28 | 33 | 37 | 40 | 44 | 47 | 50 | 53 |
| 84 | 89 | 5 | 11 | 16 | 21 | 26 | 30 | 34 | 38 | 42 | 46 | 49 | 52 | 55 |
| 85 | 90 | 6 | 11 | 17 | 22 | 27 | 32 | 36 | 41 | 44 | 48 | 51 | 55 | 57 |

Table III—Percent Value of Refund Feature

| Ages | Duration of guaranteed amount—[Years] |
| --- | --- |
| Male | Female | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 |
| 6 | 11 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 7 | 12 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 8 | 13 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 9 | 14 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 10 | 15 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| | | | | | | | | | | | | | | |
| 11 | 16 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 12 | 17 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 13 | 18 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| 14 | 19 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| 15 | 20 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| | | | | | | | | | | | | | | |
| 16 | 21 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 |
| 17 | 22 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 |
| 18 | 23 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 19 | 24 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 20 | 25 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| | | | | | | | | | | | | | | |
| 21 | 26 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 |
| 22 | 27 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 23 | 28 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 24 | 29 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 25 | 30 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 |
| | | | | | | | | | | | | | | |
| 26 | 31 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 |
| 27 | 32 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 |
| 28 | 33 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 |
| 29 | 34 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 |
| 30 | 35 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| | | | | | | | | | | | | | | |
| 31 | 36 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 |
| 32 | 37 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 |
| 33 | 38 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 |
| 34 | 39 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 |
| 35 | 40 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 |
| | | | | | | | | | | | | | | |
| 36 | 41 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 |
| 37 | 42 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 |
| 38 | 43 | 3 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 | 9 |
| 39 | 44 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 | 9 | 9 |
| 40 | 45 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 | 9 | 9 | 10 |
| | | | | | | | | | | | | | | |
| 41 | 46 | 4 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 | 9 | 9 | 10 | 11 |
| 42 | 47 | 5 | 5 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 9 | 10 | 11 | 12 |
| 43 | 48 | | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 9 | 10 | 11 | 12 | 12 |
| 44 | 49 | 5 | 6 | 6 | 7 | 7 | 8 | 9 | 9 | 10 | 11 | 12 | 12 | 13 |
| 45 | 50 | 6 | 6 | 7 | 7 | 8 | 9 | 9 | 10 | 11 | 12 | 12 | 13 | 14 |
| 46 | 51 | 6 | 7 | 7 | 8 | 9 | 9 | 10 | 11 | 12 | 12 | 13 | 14 | 15 |
| 47 | 52 | 7 | 7 | 8 | 9 | 9 | 10 | 11 | 12 | 12 | 13 | 14 | 15 | 16 |
| 48 | 53 | 7 | 8 | 8 | 9 | 10 | 11 | 12 | 12 | 13 | 14 | 15 | 16 | 17 |
| 49 | 54 | 8 | 8 | 9 | 10 | 11 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 |
| 50 | 55 | 8 | 9 | 10 | 11 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 |
| | | | | | | | | | | | | | | |
| 51 | 56 | 9 | 10 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | 21 |
| 52 | 57 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | 21 | 22 |
| 53 | 58 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 19 | 20 | 21 | 22 | 24 |
| 54 | 59 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 25 |
| 55 | 60 | 11 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 25 | 26 |
| | | | | | | | | | | | | | | |
| 56 | 61 | 12 | 13 | 15 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 25 | 27 | 28 |
| 57 | 62 | 13 | 14 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 25 | 27 | 28 | 30 |
| 58 | 63 | 14 | 15 | 17 | 18 | 19 | 21 | 22 | 24 | 25 | 27 | 28 | 30 | 31 |
| 59 | 64 | 15 | 16 | 18 | 19 | 21 | 22 | 24 | 25 | 27 | 28 | 30 | 31 | 33 |
| 60 | 65 | 16 | 18 | 19 | 20 | 22 | 24 | 25 | 27 | 28 | 30 | 32 | 33 | 35 |
| | | | | | | | | | | | | | | |
| 61 | 66 | 17 | 19 | 20 | 22 | 23 | 25 | 27 | 28 | 30 | 32 | 33 | 35 | 37 |
| 62 | 67 | 18 | 20 | 22 | 23 | 25 | 27 | 28 | 30 | 32 | 33 | 35 | 37 | 38 |
| 63 | 68 | 20 | 21 | 23 | 25 | 26 | 28 | 30 | 32 | 33 | 35 | 37 | 39 | 40 |
| 64 | 69 | 21 | 23 | 24 | 26 | 28 | 30 | 32 | 33 | 35 | 37 | 39 | 41 | 42 |
| 65 | 70 | 22 | 24 | 26 | 28 | 30 | 32 | 33 | 35 | 37 | 39 | 41 | 42 | 44 |
| | | | | | | | | | | | | | | |
| 66 | 71 | 24 | 26 | 28 | 29 | 31 | 33 | 35 | 37 | 39 | 41 | 43 | 44 | 46 |
| 67 | 72 | 25 | 27 | 29 | 31 | 33 | 35 | 37 | 39 | 41 | 43 | 45 | 46 | 48 |
| 68 | 73 | 27 | 29 | 31 | 33 | 35 | 37 | 39 | 41 | 43 | 45 | 47 | 48 | 50 |
| 69 | 74 | 28 | 30 | 33 | 35 | 37 | 39 | 41 | 43 | 45 | 47 | 48 | 50 | 52 |
| 70 | 75 | 30 | 32 | 34 | 37 | 39 | 41 | 43 | 45 | 47 | 49 | 50 | 52 | 54 |
| | | | | | | | | | | | | | | |
| 71 | 76 | 32 | 34 | 36 | 39 | 41 | 43 | 45 | 47 | 49 | 51 | 52 | 54 | 56 |
| 72 | 77 | 34 | 36 | 38 | 41 | 43 | 45 | 47 | 49 | 51 | 53 | 54 | 56 | 58 |
| 73 | 78 | 35 | 38 | 40 | 43 | 45 | 47 | 49 | 51 | 53 | 55 | 56 | 58 | 59 |
| 74 | 79 | 37 | 40 | 42 | 45 | 47 | 49 | 51 | 53 | 55 | 57 | 58 | 60 | 61 |
| 75 | 80 | 39 | 42 | 44 | 47 | 49 | 51 | 53 | 55 | 57 | 58 | 60 | 62 | 63 |
| | | | | | | | | | | | | | | |
| 76 | 81 | 41 | 44 | 46 | 49 | 51 | 53 | 55 | 57 | 59 | 60 | 62 | 63 | 65 |
| 77 | 82 | 43 | 46 | 48 | 51 | 53 | 55 | 57 | 59 | 61 | 62 | 64 | 65 | 66 |
| 78 | 83 | 45 | 48 | 50 | 53 | 55 | 57 | 59 | 61 | 62 | 64 | 65 | 67 | 68 |
| 79 | 84 | 48 | 50 | 53 | 55 | 57 | 59 | 61 | 63 | 64 | 66 | 67 | 68 | 70 |
| 80 | 85 | 50 | 52 | 55 | 57 | 59 | 61 | 63 | 64 | 66 | 67 | 69 | 70 | 71 |
| | | | | | | | | | | | | | | |
| 81 | 86 | 52 | 54 | 57 | 59 | 61 | 63 | 65 | 66 | 68 | 69 | 70 | 72 | 73 |
| 82 | 87 | 54 | 56 | 59 | 61 | 63 | 65 | 66 | 68 | 69 | 71 | 72 | 73 | 74 |
| 83 | 88 | 56 | 58 | 61 | 63 | 65 | 66 | 68 | 70 | 71 | 72 | 73 | 74 | 75 |
| 84 | 89 | 58 | 60 | 63 | 65 | 67 | 68 | 70 | 71 | 73 | 74 | 75 | 76 | 77 |
| 85 | 90 | 60 | 62 | 65 | 67 | 68 | 70 | 71 | 73 | 74 | 75 | 76 | 77 | |

| Ages | Duration of guaranteed amount—[Years] |
| --- | --- |
| Male | Female | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 |
| 6 | 11 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 7 | 12 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| 8 | 13 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| 9 | 14 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 |
| 10 | 15 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| | | | | | | | | | | |
| 11 | 16 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 12 | 17 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 13 | 18 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 14 | 19 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 |
| 15 | 20 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 |
| | | | | | | | | | | |
| 16 | 21 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 4 |
| 17 | 22 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 |
| 18 | 23 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 |
| 19 | 24 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 |
| 20 | 25 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 |
| | | | | | | | | | | |
| 21 | 26 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 |
| 22 | 27 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 |
| 23 | 28 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| 24 | 29 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 6 |
| 25 | 30 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 6 |
| | | | | | | | | | | |
| 26 | 31 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 7 |
| 27 | 32 | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 7 | 7 |
| 28 | 33 | 5 | 5 | 5 | 6 | 6 | 6 | 7 | 7 | 8 |
| 29 | 34 | 5 | 5 | 6 | 6 | 6 | 7 | 7 | 8 | 8 |
| 30 | 35 | 5 | 6 | 6 | 6 | 7 | 7 | 8 | 8 | 9 |
| | | | | | | | | | | |
| 31 | 36 | 6 | 6 | 6 | 7 | 7 | 8 | 8 | 9 | 9 |
| 32 | 37 | 6 | 7 | 7 | 7 | 8 | 8 | 9 | 10 | 10 |
| 33 | 38 | 7 | 7 | 7 | 8 | 8 | 9 | 10 | 10 | 11 |
| 34 | 39 | 7 | 8 | 8 | 9 | 9 | 10 | 10 | 11 | 12 |
| 35 | 40 | 8 | 8 | 9 | 9 | 10 | 10 | 11 | 12 | 12 |
| | | | | | | | | | | |
| 36 | 41 | 8 | 9 | 9 | 10 | 10 | 11 | 12 | 13 | 13 |
| 37 | 42 | 9 | 9 | 10 | 11 | 11 | 12 | 13 | 13 | 14 |
| 38 | 43 | 9 | 10 | 11 | 11 | 12 | 13 | 13 | 14 | 15 |
| 39 | 44 | 10 | 11 | 11 | 12 | 13 | 14 | 14 | 15 | 16 |
| 40 | 45 | 11 | 11 | 12 | 13 | 14 | 15 | 15 | 16 | 17 |
| | | | | | | | | | | |
| 41 | 46 | 11 | 12 | 13 | 14 | 15 | 16 | 16 | 17 | 18 |
| 42 | 47 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 18 | 19 |
| 43 | 48 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
| 44 | 49 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 |
| 45 | 50 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 |
| | | | | | | | | | | |
| 46 | 51 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 24 | 25 |
| 47 | 52 | 17 | 18 | 19 | 20 | 21 | 23 | 24 | 25 | 26 |
| 48 | 53 | 18 | 19 | 20 | 22 | 23 | 24 | 25 | 26 | 28 |
| 49 | 54 | 19 | 21 | 22 | 23 | 24 | 25 | 27 | 28 | 29 |
| 50 | 55 | 21 | 22 | 23 | 24 | 26 | 27 | 28 | 29 | 31 |
| | | | | | | | | | | |
| 51 | 56 | 22 | 23 | 25 | 26 | 27 | 28 | 30 | 31 | 32 |
| 52 | 57 | 23 | 25 | 26 | 27 | 29 | 30 | 31 | 33 | 34 |
| 53 | 58 | 25 | 26 | 28 | 29 | 30 | 32 | 33 | 34 | 36 |
| 54 | 59 | 26 | 28 | 29 | 31 | 32 | 33 | 35 | 36 | 38 |
| 55 | 60 | 28 | 29 | 31 | 32 | 34 | 35 | 36 | 38 | 39 |
| | | | | | | | | | | |
| 56 | 61 | 29 | 31 | 32 | 34 | 35 | 37 | 38 | 40 | 41 |
| 57 | 62 | 31 | 33 | 34 | 36 | 37 | 39 | 40 | 41 | 43 |
| 58 | 63 | 33 | 34 | 36 | 37 | 39 | 40 | 42 | 43 | 45 |
| 59 | 64 | 35 | 36 | 38 | 39 | 41 | 42 | 44 | 45 | 47 |
| 60 | 65 | 36 | 38 | 40 | 41 | 43 | 44 | 46 | 47 | 48 |
| | | | | | | | | | | |
| 61 | 66 | 38 | 40 | 41 | 43 | 44 | 46 | 47 | 49 | 50 |
| 62 | 67 | 40 | 42 | 43 | 45 | 46 | 48 | 49 | 51 | 52 |
| 63 | 68 | 42 | 44 | 45 | 47 | 48 | 50 | 51 | 52 | 54 |
| 64 | 69 | 44 | 46 | 47 | 49 | 50 | 52 | 53 | 54 | 55 |
| 65 | 70 | 46 | 47 | 49 | 50 | 52 | 53 | 55 | 56 | 57 |
| | | | | | | | | | | |
| 66 | 71 | 48 | 49 | 51 | 52 | 54 | 55 | 56 | 58 | 59 |
| 67 | 72 | 50 | 51 | 53 | 54 | 56 | 57 | 58 | 59 | 61 |
| 68 | 73 | 52 | 53 | 55 | 56 | 57 | 59 | 60 | 61 | 62 |
| 69 | 74 | 53 | 55 | 56 | 58 | 59 | 60 | 62 | 63 | 64 |
| 70 | 75 | 55 | 57 | 58 | 60 | 61 | 62 | 62 | 64 | 65 |
| | | | | | | | | | | |
| 71 | 76 | 57 | 59 | 60 | 61 | 63 | 64 | 65 | 66 | 67 |
| 72 | 77 | 59 | 60 | 62 | 63 | 64 | 65 | 66 | 67 | 68 |
| 73 | 78 | 61 | 62 | 64 | 65 | 66 | 67 | 68 | 69 | 70 |
| 74 | 79 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 |
| 75 | 80 | 64 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 72 |
| | | | | | | | | | | |
| 76 | 81 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | |
| 77 | 82 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | | |
| 78 | 83 | 69 | 70 | 71 | 72 | 73 | 74 | | | |
| 79 | 84 | 71 | 72 | 73 | 74 | 75 | | | | |
| 80 | 85 | 72 | 73 | 74 | 75 | | | | | |
| | | | | | | | | | | |
| 81 | 86 | 74 | 75 | 75 | | | | | | |
| 82 | 87 | 75 | 76 | | | | | | | |
| 83 | 88 | 76 | | | | | | | | |
| 84 | 89 | | | | | | | | | |
| 85 | 90 | | | | | | | | | |

| Ages | Duration of guaranteed amount—[Years] |
| --- | --- |
| Male | Female | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 |
| 86 | 91 | 6 | 12 | 18 | 24 | 29 | 34 | 38 | 43 | 47 | 50 | 54 | 57 | 59 | 62 |
| 87 | 92 | 7 | 13 | 19 | 25 | 31 | 36 | 40 | 45 | 49 | 52 | 56 | 59 | 61 | 64 |
| 88 | 93 | 7 | 14 | 21 | 27 | 32 | 38 | 42 | 47 | 51 | 55 | 58 | 61 | 63 | 66 |
| 89 | 94 | 8 | 15 | 22 | 28 | 34 | 40 | 45 | 49 | 53 | 57 | 60 | 63 | 65 | 68 |
| 90 | 95 | 8 | 16 | 23 | 30 | 36 | 42 | 47 | 51 | 55 | 59 | 62 | 65 | 67 | 70 |
| | | | | | | | | | | | | | | | |
| 91 | 96 | 9 | 17 | 25 | 32 | 38 | 44 | 49 | 53 | 57 | 61 | 64 | 67 | 69 | 71 |
| 92 | 97 | 9 | 18 | 26 | 34 | 40 | 46 | 51 | 55 | 59 | 63 | 66 | 69 | 71 | 73 |
| 93 | 98 | 10 | 20 | 28 | 36 | 42 | 48 | 53 | 58 | 62 | 65 | 68 | 70 | 73 | 75 |
| 94 | 99 | 11 | 21 | 30 | 37 | 44 | 50 | 55 | 60 | 64 | 67 | 70 | 72 | 74 | 76 |
| 95 | 100 | 12 | 22 | 31 | 39 | 46 | 52 | 58 | 62 | 66 | 69 | 72 | 74 | 76 | 78 |
| | | | | | | | | | | | | | | | |
| 96 | 101 | 12 | 24 | 33 | 42 | 49 | 55 | 60 | 64 | 68 | 71 | 73 | 76 | 78 | 79 |
| 97 | 102 | 13 | 25 | 35 | 44 | 51 | 57 | 62 | 66 | 70 | 73 | 75 | 77 | 79 | |
| 98 | 103 | 14 | 27 | 37 | 46 | 54 | 60 | 65 | 69 | 72 | 75 | 77 | 79 | | |
| 99 | 104 | 15 | 29 | 40 | 49 | 56 | 62 | 67 | 71 | 74 | 77 | 79 | | | |
| 100 | 105 | 17 | 31 | 43 | 52 | 59 | 65 | 70 | 74 | 76 | 79 | | | | |
| | | | | | | | | | | | | | | | |
| 101 | 106 | 18 | 33 | 46 | 55 | 63 | 68 | 73 | 76 | 79 | | | | | |
| 102 | 107 | 20 | 36 | 49 | 59 | 66 | 71 | 75 | 78 | | | | | | |
| 103 | 108 | 22 | 40 | 53 | 62 | 69 | 74 | 78 | | | | | | | |
| 104 | 109 | 24 | 43 | 57 | 66 | 73 | 77 | | | | | | | | |
| 105 | 110 | 27 | 48 | 61 | 70 | 76 | | | | | | | | | |
| | | | | | | | | | | | | | | | |
| 106 | 111 | | 53 | 66 | 74 | | | | | | | | | | |
| 107 | 112 | 35 | 53 | 71 | | | | | | | | | | | |
| 108 | 113 | 40 | 64 | | | | | | | | | | | | |

| Ages | Duration of guaranteed amount—[Years] |
| --- | --- |
| Male | Female | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 |
| 86 | 91 | 64 | 66 | 68 | 70 | 72 | 73 | 74 | 75 | 76 | 77 | |
| 87 | 92 | 66 | 68 | 70 | 72 | 73 | 74 | 76 | 77 | 78 | | |
| 88 | 93 | 68 | 70 | 72 | 73 | 75 | 76 | 77 | 78 | | | |
| 89 | 94 | 70 | 72 | 73 | 75 | 76 | 77 | 78 | | | | |
| 90 | 95 | 72 | 73 | 75 | 76 | 77 | 79 | | | | | |
| | | | | | | | | | | | | |
| 91 | 96 | 73 | 75 | 76 | 78 | 79 | | | | | | |
| 92 | 97 | 75 | 76 | 78 | 79 | | | | | | | |
| 93 | 98 | 76 | 78 | 79 | | | | | | | | |
| 94 | 99 | 78 | 79 | | | | | | | | | |
| 95 | 100 | 79 | | | | | | | | | | |

| Ages | Temporary period—maximum duration of annuity—[Years] |
| --- | --- |
| Male | Female | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
| 0 to 8 | 0 to 13 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 9 | 14 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 10 | 15 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| | | | | | | | | | | | |
| 11 | 16 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 12 | 17 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 13 | 18 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 14 | 19 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 15 | 20 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| | | | | | | | | | | | |
| 16 | 21 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 17 | 22 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 18 | 23 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 19 | 24 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 20 | 25 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| | | | | | | | | | | | |
| 21 | 26 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 22 | 27 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 23 | 28 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 24 | 29 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 25 | 30 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| | | | | | | | | | | | |
| 26 | 31 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 27 | 32 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 28 | 33 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 29 | 34 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 30 | 35 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| | | | | | | | | | | | |
| 31 | 36 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 32 | 37 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 33 | 38 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 34 | 39 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.9 | 9.8 |
| 35 | 40 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.9 | 9.8 |
| | | | | | | | | | | | |
| 36 | 41 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.9 | 9.8 |
| 37 | 42 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 38 | 43 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 39 | 44 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 40 | 45 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| | | | | | | | | | | | |
| 41 | 46 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 42 | 47 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 43 | 48 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 44 | 49 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.8 | 7.8 | 8.7 | 9.7 |
| 45 | 50 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.8 | 8.7 | 9.6 |
| | | | | | | | | | | | |
| 46 | 51 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.8 | 8.7 | 9.6 |
| 47 | 52 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.7 | 8.7 | 9.6 |
| 48 | 53 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.7 | 8.6 | 9.5 |
| 49 | 54 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.8 | 7.7 | 8.6 | 9.5 |
| 50 | 55 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.8 | 7.7 | 8.6 | 9.5 |
| | | | | | | | | | | | |
| 51 | 56 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.7 | 7.7 | 8.6 | 9.4 |
| 52 | 57 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.7 | 7.6 | 8.5 | 9.4 |
| 53 | 58 | 1.0 | 2.0 | 2.9 | 3.9 | 4.9 | 5.8 | 6.7 | 7.6 | 8.5 | 9.3 |
| 54 | 59 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.8 | 6.7 | 7.6 | 8.4 | 9.3 |
| 55 | 60 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.8 | 6.7 | 7.5 | 8.4 | 9.2 |
| | | | | | | | | | | | |
| 56 | 61 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.5 | 8.4 | 9.2 |
| 57 | 62 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.5 | 8.3 | 9.1 |
| 58 | 63 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.4 | 8.3 | 9.1 |
| 59 | 64 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.5 | 7.4 | 8.2 | 9.0 |
| 60 | 65 | 1.0 | 2.0 | 2.9 | 3.8 | 4.8 | 5.6 | 6.5 | 7.3 | 8.1 | 8.9 |
| | | | | | | | | | | | |
| 61 | 66 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.6 | 6.5 | 7.3 | 8.1 | 8.8 |
| 62 | 67 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.6 | 6.4 | 7.2 | 8.0 | 8.8 |
| 63 | 68 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.6 | 6.4 | 7.2 | 7.9 | 8.7 |
| 64 | 69 | 1.0 | 1.9 | 2.9 | 3.8 | 4.7 | 5.5 | 6.3 | 7.1 | 7.9 | 8.6 |
| 65 | 70 | 1.0 | 1.9 | 2.9 | 3.8 | 4.6 | 5.5 | 6.3 | 7.1 | 7.8 | 8.5 |
| | | | | | | | | | | | |
| 66 | 71 | 1.0 | 1.9 | 2.9 | 3.8 | 4.6 | 5.4 | 6.2 | 7.0 | 7.7 | 8.4 |
| 67 | 72 | 1.0 | 1.9 | 2.9 | 3.7 | 4.6 | 5.4 | 6.2 | 6.9 | 7.6 | 8.3 |
| 68 | 73 | 1.0 | 1.9 | 2.8 | 3.7 | 4.6 | 5.4 | 6.1 | 6.8 | 7.5 | 8.2 |
| 69 | 74 | 1.0 | 1.9 | 2.8 | 3.7 | 4.5 | 5.3 | 6.1 | 6.8 | 7.4 | 8.0 |
| 70 | 75 | 1.0 | 1.9 | 2.8 | 3.7 | 4.5 | 5.3 | 6.0 | 6.7 | 7.3 | 7.9 |
| | | | | | | | | | | | |
| 71 | 76 | 1.0 | 1.9 | 2.8 | 3.7 | 4.5 | 5.2 | 5.9 | 6.6 | 7.2 | 7.8 |
| 72 | 77 | 1.0 | 1.9 | 2.8 | 3.6 | 4.4 | 5.2 | 5.8 | 6.5 | 7.1 | 7.6 |
| 73 | 78 | 1.0 | 1.9 | 2.8 | 3.6 | 4.4 | 5.1 | 5.8 | 6.4 | 7.0 | 7.5 |
| 74 | 79 | 1.0 | 1.9 | 2.8 | 3.6 | 4.3 | 5.0 | 5.7 | 6.3 | 6.8 | 7.3 |
| 75 | 80 | 1.0 | 1.9 | 2.7 | 3.5 | 4.3 | 5.0 | 5.6 | 6.2 | 6.7 | 7.1 |
| | | | | | | | | | | | |
| 76 | 81 | 1.0 | 1.9 | 2.7 | 3.5 | 4.2 | 4.9 | 5.5 | 6.1 | 6.5 | 7.0 |
| 77 | 82 | 1.0 | 1.9 | 2.7 | 3.5 | 4.2 | 4.8 | 5.4 | 5.9 | 6.4 | 6.8 |
| 78 | 83 | 1.0 | 1.9 | 2.7 | 3.4 | 4.1 | 4.7 | 5.3 | 5.8 | 6.2 | 6.6 |
| 79 | 84 | 1.0 | 1.8 | 2.7 | 3.4 | 4.1 | 4.7 | 5.2 | 5.7 | 6.1 | 6.4 |
| 80 | 85 | 1.0 | 1.8 | 2.6 | 3.4 | 4.0 | 4.6 | 5.1 | 5.5 | 5.9 | 6.2 |
| | | | | | | | | | | | |
| 81 | 86 | 1.0 | 1.8 | 2.6 | 3.3 | 3.9 | 4.5 | 5.0 | 5.4 | 5.7 | 6.0 |
| 82 | 87 | 1.0 | 1.8 | 2.6 | 3.3 | 3.9 | 4.4 | 4.8 | 5.2 | 5.6 | 5.8 |
| 83 | 88 | .9 | 1.8 | 2.6 | 3.2 | 3.8 | 4.3 | 4.7 | 5.1 | 5.4 | 5.6 |
| 84 | 89 | .9 | 1.8 | 2.5 | 3.2 | 3.7 | 4.2 | 4.6 | 4.9 | 5.2 | 5.4 |
| 85 | 90 | .9 | 1.8 | 2.5 | 3.1 | 3.6 | 4.1 | 4.5 | 4.8 | 5.0 | 5.2 |
| 86 | 91 | .9 | 1.8 | 2.5 | 3.1 | 3.6 | 4.0 | 4.3 | 4.6 | 4.8 | 5.0 |

Table IV—Temporary Life Annuities1—One Life—Expected Return Multiples

[See footnote at end of table]

| Ages | Temporary period—maximum duration of annuity—[Years] |
| --- | --- |
| Male | Female | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| 0 to 8 | 0 to 13 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 9 | 14 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 10 | 15 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| | | | | | | | | | | | |
| 11 | 16 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 12 | 17 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 13 | 18 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 14 | 19 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 15 | 20 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| | | | | | | | | | | | |
| 16 | 21 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| 17 | 22 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| 18 | 23 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| 19 | 24 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.7 | 18.7 | 19.7 |
| 20 | 25 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.7 | 18.7 | 19.7 |
| | | | | | | | | | | | |
| 21 | 26 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.8 | 17.7 | 18.7 | 19.6 |
| 22 | 27 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.7 | 17.7 | 18.7 | 19.6 |
| 23 | 28 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.7 | 17.7 | 18.7 | 19.6 |
| 24 | 29 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.7 | 17.7 | 18.6 | 19.6 |
| 25 | 30 | 10.9 | 11.9 | 12.8 | 13.8 | 14.8 | 15.7 | 16.7 | 17.7 | 18.6 | 19.6 |
| | | | | | | | | | | | |
| 26 | 31 | 10.9 | 11.9 | 12.8 | 13.8 | 14.8 | 15.7 | 16.7 | 17.6 | 18.6 | 19.5 |
| 27 | 32 | 10.9 | 11.9 | 12.8 | 13.8 | 14.8 | 15.7 | 16.7 | 17.6 | 18.6 | 19.5 |
| 28 | 33 | 10.9 | 11.8 | 12.8 | 13.8 | 14.7 | 15.7 | 16.6 | 17.6 | 18.5 | 19.5 |
| 29 | 34 | 10.9 | 11.8 | 12.8 | 13.8 | 14.7 | 15.7 | 16.6 | 17.6 | 18.5 | 19.4 |
| 30 | 35 | 10.9 | 11.8 | 12.8 | 13.7 | 14.7 | 15.6 | 16.6 | 17.5 | 18.4 | 19.4 |
| | | | | | | | | | | | |
| 31 | 36 | 10.8 | 11.8 | 12.8 | 13.7 | 14.7 | 15.6 | 16.5 | 17.5 | 18.4 | 19.3 |
| 32 | 37 | 10.8 | 11.8 | 12.7 | 13.7 | 14.6 | 15.6 | 16.5 | 17.4 | 18.4 | 19.3 |
| 33 | 38 | 10.8 | 11.8 | 12.7 | 13.7 | 14.6 | 15.6 | 16.5 | 17.4 | 18.3 | 19.2 |
| 34 | 39 | 10.8 | 11.8 | 12.7 | 13.6 | 14.6 | 15.5 | 16.4 | 17.4 | 18.3 | 19.2 |
| 35 | 40 | 10.8 | 11.7 | 12.7 | 13.6 | 14.6 | 15.5 | 16.4 | 17.3 | 18.2 | 19.1 |
| | | | | | | | | | | | |
| 36 | 41 | 10.8 | 11.7 | 12.7 | 13.6 | 14.5 | 15.4 | 16.3 | 17.2 | 18.1 | 19.0 |
| 37 | 42 | 10.8 | 11.7 | 12.6 | 13.6 | 14.5 | 15.4 | 16.3 | 17.2 | 18.1 | 18.9 |
| 38 | 43 | 10.7 | 11.7 | 12.6 | 13.5 | 14.4 | 15.3 | 16.2 | 17.1 | 18.0 | 18.9 |
| 39 | 44 | 10.7 | 11.6 | 12.6 | 13.5 | 14.4 | 15.3 | 16.2 | 17.1 | 17.9 | 18.8 |
| 40 | 45 | 10.7 | 11.6 | 12.5 | 13.5 | 14.4 | 15.2 | 16.1 | 17.0 | 17.8 | 18.7 |
| | | | | | | | | | | | |
| 41 | 46 | 10.7 | 11.6 | 12.5 | 13.4 | 14.3 | 15.2 | 16.1 | 16.9 | 17.8 | 18.6 |
| 42 | 47 | 10.6 | 11.6 | 12.5 | 13.4 | 14.3 | 15.1 | 16.0 | 16.8 | 17.7 | 18.5 |
| 43 | 48 | 10.6 | 11.5 | 12.4 | 13.3 | 14.2 | 15.1 | 15.9 | 16.7 | 17.6 | 18.4 |
| 44 | 49 | 10.6 | 11.5 | 12.4 | 13.3 | 14.1 | 15.0 | 15.8 | 16.7 | 17.5 | 18.3 |
| 45 | 50 | 10.5 | 11.4 | 12.3 | 13.2 | 14.1 | 14.9 | 15.7 | 16.6 | 17.4 | 18.1 |
| | | | | | | | | | | | |
| 46 | 51 | 10.5 | 11.4 | 12.3 | 13.2 | 14.0 | 14.8 | 15.7 | 16.5 | 17.2 | 18.0 |
| 47 | 52 | 10.5 | 11.4 | 12.2 | 13.1 | 13.9 | 14.7 | 15.6 | 16.3 | 17.1 | 17.8 |
| 48 | 53 | 10.4 | 11.3 | 12.2 | 13.0 | 13.8 | 14.7 | 15.4 | 16.2 | 17.0 | 17.7 |
| 49 | 54 | 10.4 | 11.3 | 12.1 | 12.9 | 13.8 | 14.6 | 15.3 | 16.1 | 16.8 | 17.5 |
| 50 | 55 | 10.3 | 11.2 | 12.0 | 12.9 | 13.7 | 14.5 | 15.2 | 16.0 | 16.7 | 17.4 |
| | | | | | | | | | | | |
| 51 | 56 | 10.3 | 11.1 | 12.0 | 12.8 | 13.6 | 14.3 | 15.1 | 15.8 | 16.5 | 17.2 |
| 52 | 57 | 10.2 | 11.1 | 11.9 | 12.7 | 13.5 | 14.2 | 14.9 | 15.6 | 16.3 | 17.0 |
| 53 | 58 | 10.2 | 11.0 | 11.8 | 12.6 | 13.4 | 14.1 | 14.8 | 15.5 | 16.1 | 16.8 |
| 54 | 59 | 10.1 | 10.9 | 11.7 | 12.5 | 13.2 | 14.0 | 14.6 | 15.3 | 15.9 | 16.5 |
| 55 | 60 | 10.1 | 10.9 | 11.6 | 12.4 | 13.1 | 13.8 | 14.5 | 15.1 | 15.7 | 16.3 |
| | | | | | | | | | | | |
| 56 | 61 | 10.0 | 10.8 | 11.5 | 12.3 | 13.0 | 13.7 | 14.3 | 14.9 | 15.5 | 16.1 |
| 57 | 62 | 9.9 | 10.7 | 11.4 | 12.2 | 12.8 | 13.5 | 14.1 | 14.7 | 15.3 | 15.8 |
| 58 | 63 | 9.8 | 10.6 | 11.3 | 12.0 | 12.7 | 13.3 | 13.9 | 14.5 | 15.0 | 15.5 |
| 59 | 64 | 9.8 | 10.5 | 11.2 | 11.9 | 12.5 | 13.2 | 13.7 | 14.3 | 14.8 | 15.3 |
| 60 | 65 | 9.7 | 10.4 | 11.1 | 11.7 | 12.4 | 13.0 | 13.5 | 14.0 | 14.5 | 15.0 |
| | | | | | | | | | | | |
| 61 | 66 | 9.6 | 10.3 | 11.0 | 11.6 | 12.2 | 12.8 | 13.3 | 13.8 | 14.2 | 14.7 |
| 62 | 67 | 9.5 | 10.2 | 10.8 | 11.4 | 12.0 | 12.5 | 13.1 | 13.5 | 14.0 | 14.3 |
| 63 | 68 | 9.4 | 10.0 | 10.7 | 11.3 | 11.8 | 12.3 | 12.8 | 13.2 | 13.7 | 14.0 |
| 64 | 69 | 9.3 | 9.9 | 10.5 | 11.1 | 11.6 | 12.1 | 12.5 | 13.0 | 13.3 | 13.7 |
| 65 | 70 | 9.1 | 9.8 | 10.3 | 10.9 | 11.4 | 11.9 | 12.3 | 12.7 | 13.0 | 13.3 |
| | | | | | | | | | | | |
| 66 | 71 | 9.0 | 9.6 | 10.2 | 10.7 | 11.2 | 11.6 | 12.0 | 12.4 | 12.7 | 13.0 |
| 67 | 72 | 8.9 | 9.5 | 10.0 | 10.5 | 10.9 | 11.3 | 11.7 | 12.0 | 12.3 | 12.6 |
| 68 | 73 | 8.7 | 9.3 | 9.8 | 10.3 | 10.7 | 11.1 | 11.4 | 11.7 | 12.0 | 12.2 |
| 69 | 74 | 8.6 | 9.1 | 9.6 | 10.0 | 10.4 | 10.8 | 11.1 | 11.4 | 11.6 | 11.8 |
| 70 | 75 | 8.4 | 8.9 | 9.4 | 9.8 | 10.2 | 10.5 | 10.8 | 11.0 | 11.2 | 11.4 |
| | | | | | | | | | | | |
| 71 | 76 | 8.3 | 8.7 | 9.2 | 9.6 | 9.9 | 10.2 | 10.4 | 10.7 | 10.9 | 11.0 |
| 72 | 77 | 8.1 | 8.6 | 8.9 | 9.3 | 9.6 | 9.9 | 10.1 | 10.3 | 10.5 | 10.6 |
| 73 | 78 | 7.9 | 8.3 | 8.7 | 9.0 | 9.3 | 9.6 | 9.8 | 9.9 | 10.1 | 10.2 |
| 74 | 79 | 7.7 | 8.1 | 8.5 | 8.8 | 9.0 | 9.2 | 9.4 | 9.6 | 9.7 | 9.8 |
| 75 | 80 | 7.6 | 7.9 | 8.2 | 8.5 | 8.7 | 8.9 | 9.1 | 9.2 | 9.3 | 9.4 |
| | | | | | | | | | | | |
| 76 | 81 | 7.4 | 7.7 | 8.0 | 8.2 | 8.4 | 8.6 | 8.7 | 8.8 | 8.9 | 9.0 |
| 77 | 82 | 7.1 | 7.5 | 7.7 | 7.9 | 8.1 | 8.3 | 8.4 | 8.5 | 8.5 | 8.6 |
| 78 | 83 | 6.9 | 7.2 | 7.4 | 7.6 | 7.8 | 7.9 | 8.0 | 8.1 | 8.2 | 8.2 |
| 79 | 84 | 6.7 | 7.0 | 7.2 | 7.3 | 7.5 | 7.6 | 7.7 | 7.7 | 7.8 | 7.8 |
| 80 | 85 | 6.5 | 6.7 | 6.9 | 7.1 | 7.2 | 7.3 | 7.3 | 7.4 | 7.4 | 7.4 |
| | | | | | | | | | | | |
| 81 | 86 | 6.3 | 6.5 | 6.6 | 6.8 | 6.9 | 6.9 | 7.0 | 7.0 | 7.1 | |
| 82 | 87 | 6.0 | 6.2 | 6.4 | 6.5 | 6.5 | 6.6 | 6.7 | 6.7 | | |
| 83 | 88 | 5.8 | 6.0 | 6.1 | 6.2 | 6.2 | 6.3 | 6.3 | | | |
| 84 | 89 | 5.6 | 5.7 | 5.8 | 5.9 | 5.9 | 6.0 | | | | |
| 85 | 90 | 5.3 | 5.5 | 5.5 | 5.6 | 5.6 | | | | | |
| 86 | 91 | 5.1 | 5.2 | 5.3 | 5.3 | | | | | | |

| Ages | Temporary period—maximum duration of annuity—[Years] |
| --- | --- |
| Male | Female | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
| 0 to 8 | 0 to 13 | 20.7 | 21.7 | 22.7 | 23.6 | 24.6 | 25.6 | 26.5 | 27.5 | 28.4 | 29.4 |
| 9 | 14 | 20.7 | 21.7 | 22.7 | 23.6 | 24.6 | 25.5 | 26.5 | 27.5 | 28.4 | 29.4 |
| 10 | 15 | 20.7 | 21.7 | 22.7 | 23.6 | 24.6 | 25.5 | 26.5 | 27.5 | 28.4 | 29.4 |
| | | | | | | | | | | | |
| 11 | 16 | 20.7 | 21.7 | 22.6 | 23.6 | 24.6 | 25.5 | 26.5 | 27.4 | 28.4 | 29.3 |
| 12 | 17 | 20.7 | 21.7 | 22.6 | 23.6 | 24.6 | 25.5 | 26.5 | 27.4 | 28.4 | 29.3 |
| 13 | 18 | 20.7 | 21.7 | 22.6 | 23.6 | 24.6 | 25.5 | 26.5 | 27.4 | 28.4 | 29.3 |
| 14 | 19 | 20.7 | 21.7 | 22.6 | 23.6 | 24.5 | 25.5 | 26.4 | 27.4 | 28.3 | 29.3 |
| 15 | 20 | 20.7 | 21.6 | 22.6 | 23.6 | 24.5 | 25.5 | 26.4 | 27.4 | 28.3 | 29.2 |
| | | | | | | | | | | | |
| 16 | 21 | 20.7 | 21.6 | 22.6 | 23.6 | 24.5 | 25.5 | 26.4 | 27.3 | 28.3 | 29.2 |
| 17 | 22 | 20.7 | 21.6 | 22.6 | 23.5 | 24.5 | 25.4 | 26.4 | 27.3 | 28.2 | 29.2 |
| 18 | 23 | 20.7 | 21.6 | 22.6 | 23.5 | 24.5 | 25.4 | 26.3 | 27.3 | 28.2 | 29.1 |
| 19 | 24 | 20.6 | 21.6 | 22.5 | 23.5 | 24.4 | 25.4 | 26.3 | 27.2 | 28.1 | 29.1 |
| 20 | 25 | 20.6 | 21.6 | 22.5 | 23.5 | 24.4 | 25.3 | 26.3 | 27.2 | 28.1 | 29.0 |
| | | | | | | | | | | | |
| 21 | 26 | 20.6 | 21.5 | 22.5 | 23.4 | 24.4 | 25.3 | 26.2 | 27.1 | 28.0 | 28.9 |
| 22 | 27 | 20.6 | 21.5 | 22.5 | 23.4 | 24.3 | 25.3 | 26.2 | 27.1 | 28.0 | 28.9 |
| 23 | 28 | 20.6 | 21.5 | 22.4 | 23.4 | 24.3 | 25.2 | 26.1 | 27.0 | 27.9 | 28.8 |
| 24 | 29 | 20.5 | 21.5 | 22.4 | 23.3 | 24.2 | 25.2 | 26.1 | 27.0 | 27.8 | 28.7 |
| 25 | 30 | 20.5 | 21.4 | 22.4 | 23.3 | 24.2 | 25.1 | 26.0 | 26.9 | 27.8 | 28.6 |
| | | | | | | | | | | | |
| 26 | 31 | 20.5 | 21.4 | 22.3 | 23.2 | 24.1 | 25.0 | 25.9 | 26.8 | 27.7 | 28.5 |
| 27 | 32 | 20.4 | 21.3 | 22.3 | 23.2 | 24.1 | 25.0 | 25.8 | 26.7 | 27.6 | 28.4 |
| 28 | 33 | 20.4 | 21.3 | 22.2 | 23.1 | 24.0 | 24.9 | 25.8 | 26.6 | 27.5 | 28.3 |
| 29 | 34 | 20.3 | 21.2 | 22.1 | 23.0 | 23.9 | 24.8 | 25.7 | 26.5 | 27.4 | 28.2 |
| 30 | 35 | 20.3 | 21.2 | 22.1 | 23.0 | 23.8 | 24.7 | 25.6 | 26.4 | 27.2 | 28.1 |
| | | | | | | | | | | | |
| 31 | 36 | 20.2 | 21.1 | 22.0 | 22.9 | 23.8 | 24.6 | 25.5 | 26.3 | 27.1 | 27.9 |
| 32 | 37 | 20.2 | 21.1 | 21.9 | 22.8 | 23.7 | 24.5 | 25.4 | 26.2 | 27.0 | 27.8 |
| 33 | 38 | 20.1 | 21.0 | 21.9 | 22.7 | 23.6 | 24.4 | 25.2 | 26.0 | 26.8 | 27.6 |
| 34 | 39 | 20.0 | 20.9 | 21.8 | 22.6 | 23.5 | 24.3 | 25.1 | 25.9 | 26.7 | 27.4 |
| 35 | 40 | 20.0 | 20.8 | 21.7 | 22.5 | 23.3 | 24.2 | 25.0 | 25.7 | 26.5 | 27.2 |
| | | | | | | | | | | | |
| 36 | 41 | 19.9 | 20.7 | 21.6 | 22.4 | 23.2 | 24.0 | 24.8 | 25.6 | 26.3 | 27.0 |
| 37 | 42 | 19.8 | 20.6 | 21.5 | 22.3 | 23.1 | 23.9 | 24.6 | 25.4 | 26.1 | 26.8 |
| 38 | 43 | 19.7 | 20.5 | 21.4 | 22.2 | 23.0 | 23.7 | 24.5 | 25.2 | 25.9 | 26.6 |
| 39 | 44 | 19.6 | 20.4 | 21.2 | 22.0 | 22.8 | 23.6 | 24.3 | 25.0 | 25.7 | 26.4 |
| 40 | 45 | 19.5 | 20.3 | 21.1 | 21.9 | 22.6 | 23.4 | 24.1 | 24.8 | 25.5 | 26.1 |
| | | | | | | | | | | | |
| 41 | 46 | 19.4 | 20.2 | 21.0 | 21.7 | 22.5 | 23.2 | 23.9 | 24.6 | 25.2 | 25.9 |
| 42 | 47 | 19.3 | 20.1 | 20.8 | 21.6 | 22.3 | 23.0 | 23.7 | 24.3 | 25.0 | 25.6 |
| 43 | 48 | 19.2 | 19.9 | 20.7 | 21.4 | 22.1 | 22.8 | 23.4 | 24.1 | 24.7 | 25.3 |
| 44 | 49 | 19.0 | 19.8 | 20.5 | 21.2 | 21.9 | 22.6 | 23.2 | 23.8 | 24.4 | 25.0 |
| 45 | 50 | 18.9 | 19.6 | 20.3 | 21.0 | 21.7 | 22.3 | 22.9 | 23.5 | 24.1 | 24.6 |
| | | | | | | | | | | | |
| 46 | 51 | 18.7 | 19.4 | 20.1 | 20.8 | 21.5 | 22.1 | 22.7 | 23.2 | 23.8 | 24.3 |
| 47 | 52 | 18.6 | 19.3 | 19.9 | 20.6 | 21.2 | 21.8 | 22.4 | 22.9 | 23.4 | 23.9 |
| 48 | 53 | 18.4 | 19.1 | 19.7 | 20.4 | 21.0 | 21.5 | 22.1 | 22.6 | 23.1 | 23.5 |
| 49 | 54 | 18.2 | 18.9 | 19.5 | 20.1 | 20.7 | 21.2 | 21.7 | 22.2 | 22.7 | 23.1 |
| 50 | 55 | 18.0 | 18.7 | 19.3 | 19.8 | 20.4 | 20.9 | 21.4 | 21.9 | 22.3 | 22.7 |
| | | | | | | | | | | | |
| 51 | 56 | 17.8 | 18.4 | 19.0 | 19.6 | 20.1 | 20.6 | 21.1 | 21.5 | 21.9 | 22.3 |
| 52 | 57 | 17.6 | 18.2 | 18.7 | 19.3 | 19.8 | 20.2 | 20.7 | 21.1 | 21.5 | 21.8 |
| 53 | 58 | 17.4 | 17.9 | 18.5 | 19.0 | 19.4 | 19.9 | 20.3 | 20.7 | 21.0 | 21.3 |
| 54 | 59 | 17.1 | 17.7 | 18.2 | 18.7 | 19.1 | 19.5 | 19.9 | 20.2 | 20.6 | 20.8 |
| 55 | 60 | 16.9 | 17.4 | 17.9 | 18.3 | 18.7 | 19.1 | 19.5 | 19.8 | 20.1 | 20.3 |
| | | | | | | | | | | | |
| 56 | 61 | 16.6 | 17.1 | 17.5 | 18.0 | 18.4 | 18.7 | 19.0 | 19.3 | 19.6 | 19.8 |
| 57 | 62 | 16.3 | 16.8 | 17.2 | 17.6 | 18.0 | 18.3 | 18.6 | 18.9 | 19.1 | 19.3 |
| 58 | 63 | 16.0 | 16.5 | 16.9 | 17.2 | 17.6 | 17.9 | 18.1 | 18.4 | 18.6 | 18.8 |
| 59 | 64 | 15.7 | 16.1 | 16.5 | 16.8 | 17.1 | 17.4 | 17.7 | 17.9 | 18.1 | 18.2 |
| 60 | 65 | 15.4 | 15.8 | 16.1 | 16.4 | 16.7 | 17.0 | 17.2 | 17.4 | 17.5 | 17.7 |
| | | | | | | | | | | | |
| 61 | 66 | 15.1 | 15.4 | 15.7 | 16.0 | 16.3 | 16.5 | 16.7 | 16.9 | 17.0 | 17.1 |
| 62 | 67 | 14.7 | 15.0 | 15.3 | 15.6 | 15.8 | 16.0 | 16.2 | 16.3 | 16.4 | 16.5 |
| 63 | 68 | 14.4 | 14.6 | 14.9 | 15.1 | 15.3 | 15.5 | 15.7 | 15.8 | 15.9 | 16.0 |
| 64 | 69 | 14.0 | 14.3 | 14.5 | 14.7 | 14.9 | 15.0 | 15.2 | 15.3 | 15.3 | 15.4 |
| 65 | 70 | 13.6 | 13.8 | 14.1 | 14.2 | 14.4 | 14.5 | 14.6 | 14.7 | 14.8 | 14.9 |
| | | | | | | | | | | | |
| 66 | 71 | 13.2 | 13.4 | 13.6 | 13.8 | 13.9 | 14.0 | 14.1 | 14.2 | 14.2 | 14.3 |
| 67 | 72 | 12.8 | 13.0 | 13.2 | 13.3 | 13.4 | 13.5 | 13.6 | 13.7 | 13.7 | 13.7 |
| 68 | 73 | 12.4 | 12.6 | 12.7 | 12.8 | 12.9 | 13.0 | 13.1 | 13.1 | 13.2 | 13.2 |
| 69 | 74 | 12.0 | 12.1 | 12.3 | 12.4 | 12.4 | 12.5 | 12.6 | 12.6 | 12.6 | 12.6 |
| 70 | 75 | 11.6 | 11.7 | 11.8 | 11.9 | 12.0 | 12.0 | 12.0 | 12.1 | 12.1 | 12.1 |
| | | | | | | | | | | | |
| 71 | 76 | 11.2 | 11.3 | 11.3 | 11.4 | 11.5 | 11.5 | 11.5 | 11.6 | 11.6 | |
| 72 | 77 | 10.7 | 10.8 | 10.9 | 10.9 | 11.0 | 11.0 | 11.0 | 11.0 | | |
| 73 | 78 | 10.3 | 10.4 | 10.4 | 10.5 | 10.5 | 10.5 | 10.5 | | | |
| 74 | 79 | 9.9 | 9.9 | 10.0 | 10.0 | 10.1 | 10.1 | | | | |
| 75 | 80 | 9.5 | 9.5 | 9.6 | 9.6 | 9.6 | | | | | |
| | | | | | | | | | | | |
| 76 | 81 | 9.1 | 9.1 | 9.1 | 9.1 | | | | | | |
| 77 | 82 | 8.6 | 8.7 | 8.7 | | | | | | | |
| 78 | 83 | 8.2 | 8.3 | | | | | | | | |
| 79 | 84 | 7.8 | | | | | | | | | |
| Footnote to Table IV: |
| 1 The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of § 1.72-5. |

| Age | Multiple |
| --- | --- |
| 5 | 76.6 |
| 6 | 75.6 |
| 7 | 74.7 |
| 8 | 73.7 |
| 9 | 72.7 |
| 10 | 71.7 |
| 11 | 70.7 |
| 12 | 69.7 |
| 13 | 68.8 |
| 14 | 67.8 |
| 15 | 66.8 |
| 16 | 65.8 |
| 17 | 64.8 |
| 18 | 63.9 |
| 19 | 62.9 |
| 20 | 61.9 |
| 21 | 60.9 |
| 22 | 59.9 |
| 23 | 59.0 |
| 24 | 58.0 |
| 25 | 57.0 |
| 26 | 56.0 |
| 27 | 55.1 |
| 28 | 54.1 |
| 29 | 53.1 |
| 30 | 52.2 |
| 31 | 51.2 |
| 32 | 50.2 |
| 33 | 49.3 |
| 34 | 48.3 |
| 35 | 47.3 |
| 36 | 46.4 |
| 37 | 45.4 |
| 38 | 44.4 |
| 39 | 43.5 |
| 40 | 42.5 |
| 41 | 41.5 |
| 42 | 40.6 |
| 43 | 39.6 |
| 44 | 38.7 |
| 45 | 37.7 |
| 46 | 36.8 |
| 47 | 35.9 |
| 48 | 34.9 |
| 49 | 34.0 |
| 50 | 33.1 |
| 51 | 32.2 |
| 52 | 31.3 |
| 53 | 30.4 |
| 54 | 29.5 |
| 55 | 28.6 |
| 56 | 27.7 |
| 57 | 26.8 |
| 58 | 25.9 |
| 59 | 25.0 |
| 60 | 24.2 |
| 61 | 23.3 |
| 62 | 22.5 |
| 63 | 21.6 |
| 64 | 20.8 |
| 65 | 20.0 |
| 66 | 19.2 |
| 67 | 18.4 |
| 68 | 17.6 |
| 69 | 16.8 |
| 70 | 16.0 |
| 71 | 15.3 |
| 72 | 14.6 |
| 73 | 13.9 |
| 74 | 13.2 |
| 75 | 12.5 |
| 76 | 11.9 |
| 77 | 11.2 |
| 78 | 10.6 |
| 79 | 10.0 |
| 80 | 9.5 |
| 81 | 8.9 |
| 82 | 8.4 |
| 83 | 7.9 |
| 84 | 7.4 |
| 85 | 6.9 |
| 86 | 6.5 |
| 87 | 6.1 |
| 88 | 5.7 |
| 89 | 5.3 |
| 90 | 5.0 |
| 91 | 4.7 |
| 92 | 4.4 |
| 93 | 4.1 |
| 94 | 3.9 |
| 95 | 3.7 |
| 96 | 3.4 |
| 97 | 3.2 |
| 98 | 3.0 |
| 99 | 2.8 |
| 100 | 2.7 |
| 101 | 2.5 |
| 102 | 2.3 |
| 103 | 2.1 |
| 104 | 1.9 |
| 105 | 1.8 |
| 106 | 1.6 |
| 107 | 1.4 |
| 108 | 1.3 |
| 109 | 1.1 |
| 110 | 1.0 |
| 111 | .9 |
| 112 | .8 |
| 113 | .7 |
| 114 | .6 |
| 115 | .5 |

Table V—Ordinary Life Annuities One Life—Expected Return Multiples

| Ages | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 | 83.8 | 83.3 | 82.8 | 82.4 | 82.0 | 81.6 | 81.2 | 80.9 | 80.6 | 80.3 |
| 6 | 83.3 | 82.8 | 82.3 | 81.8 | 81.4 | 81.0 | 80.6 | 80.3 | 79.9 | 79.6 |
| 7 | 82.8 | 82.3 | 81.8 | 81.3 | 80.9 | 80.4 | 80.0 | 79.6 | 79.3 | 78.9 |
| 8 | 82.4 | 81.8 | 81.3 | 80.8 | 80.3 | 79.9 | 79.4 | 79.0 | 78.6 | 78.3 |
| 9 | 82.0 | 81.4 | 80.9 | 80.3 | 79.8 | 79.3 | 78.9 | 78.4 | 78.0 | 77.6 |
| 10 | 81.6 | 81.0 | 80.4 | 79.9 | 79.3 | 78.8 | 78.3 | 77.9 | 77.4 | 77.0 |
| 11 | 81.2 | 80.6 | 80.0 | 79.4 | 78.9 | 78.3 | 77.8 | 77.3 | 76.9 | 76.4 |
| 12 | 80.9 | 80.3 | 79.6 | 79.0 | 78.4 | 77.9 | 77.3 | 76.8 | 76.3 | 75.9 |
| 13 | 80.6 | 79.9 | 79.3 | 78.6 | 78.0 | 77.4 | 76.9 | 76.3 | 75.8 | 75.3 |
| 14 | 80.3 | 79.6 | 78.9 | 78.3 | 77.6 | 77.0 | 76.4 | 75.9 | 75.3 | 74.8 |
| 15 | 80.0 | 79.3 | 78.6 | 77.9 | 77.3 | 76.6 | 76.0 | 75.4 | 74.9 | 74.3 |
| 16 | 79.8 | 79.0 | 78.3 | 77.6 | 76.9 | 76.3 | 75.6 | 75.0 | 74.4 | 73.9 |
| 17 | 79.5 | 78.8 | 78.0 | 77.3 | 76.6 | 75.9 | 75.3 | 74.6 | 74.0 | 73.4 |
| 18 | 79.3 | 78.5 | 77.8 | 77.0 | 76.3 | 75.6 | 74.9 | 74.3 | 73.6 | 73.0 |
| 19 | 79.1 | 78.3 | 77.5 | 76.8 | 76.0 | 75.3 | 74.6 | 73.9 | 73.3 | 72.6 |
| 20 | 78.9 | 78.1 | 77.3 | 76.5 | 75.8 | 75.0 | 74.3 | 73.6 | 72.9 | 72.3 |
| 21 | 78.7 | 77.9 | 77.1 | 76.3 | 75.5 | 74.8 | 74.0 | 73.3 | 72.6 | 71.9 |
| 22 | 78.6 | 77.7 | 76.9 | 76.1 | 75.3 | 74.5 | 73.8 | 73.0 | 72.3 | 71.6 |
| 23 | 78.4 | 77.6 | 76.7 | 75.9 | 75.1 | 74.3 | 73.5 | 72.8 | 72.0 | 71.3 |
| 24 | 78.3 | 77.4 | 76.6 | 75.7 | 74.9 | 74.1 | 73.3 | 72.6 | 71.8 | 71.1 |
| 25 | 78.2 | 77.3 | 76.4 | 75.6 | 74.8 | 73.9 | 73.1 | 72.3 | 71.6 | 70.8 |
| 26 | 78.0 | 77.2 | 76.3 | 75.4 | 74.6 | 73.8 | 72.9 | 72.1 | 71.3 | 70.6 |
| 27 | 77.9 | 77.1 | 76.2 | 75.3 | 74.4 | 73.6 | 72.8 | 71.9 | 71.1 | 70.3 |
| 28 | 77.8 | 76.9 | 76.1 | 75.2 | 74.3 | 73.4 | 72.6 | 71.8 | 70.9 | 70.1 |
| 29 | 77.7 | 76.8 | 76.0 | 75.1 | 74.2 | 73.3 | 72.5 | 71.6 | 70.8 | 70.0 |
| 30 | 77.7 | 76.8 | 75.9 | 75.0 | 74.1 | 73.2 | 72.3 | 71.5 | 70.6 | 69.8 |
| 31 | 77.6 | 76.7 | 75.8 | 74.9 | 74.0 | 73.1 | 72.2 | 71.3 | 70.5 | 69.6 |
| 32 | 77.5 | 76.6 | 75.7 | 74.8 | 73.9 | 73.0 | 72.1 | 71.2 | 70.3 | 69.5 |
| 33 | 77.5 | 76.5 | 75.6 | 74.7 | 73.8 | 72.9 | 72.0 | 71.1 | 70.2 | 69.3 |
| 34 | 77.4 | 76.5 | 75.5 | 74.6 | 73.7 | 72.8 | 71.9 | 71.0 | 70.1 | 69.2 |
| 35 | 77.3 | 76.4 | 75.5 | 74.5 | 73.6 | 72.7 | 71.8 | 70.9 | 70.0 | 69.1 |
| 36 | 77.3 | 76.3 | 75.4 | 74.5 | 73.5 | 72.6 | 71.7 | 70.8 | 69.9 | 69.0 |
| 37 | 77.2 | 76.3 | 75.4 | 74.4 | 73.5 | 72.6 | 71.6 | 70.7 | 69.8 | 68.9 |
| 38 | 77.2 | 76.2 | 75.3 | 74.4 | 73.4 | 72.5 | 71.6 | 70.6 | 69.7 | 68.8 |
| 39 | 77.2 | 76.2 | 75.3 | 74.3 | 73.4 | 72.4 | 71.5 | 70.6 | 69.6 | 68.7 |
| 40 | 77.1 | 76.2 | 75.2 | 74.3 | 73.3 | 72.4 | 71.4 | 70.5 | 69.6 | 68.6 |
| 41 | 77.1 | 76.1 | 75.2 | 74.2 | 73.3 | 72.3 | 71.4 | 70.4 | 69.5 | 68.6 |
| 42 | 77.0 | 76.1 | 75.1 | 74.2 | 73.2 | 72.3 | 71.3 | 70.4 | 69.4 | 68.5 |
| 43 | 77.0 | 76.1 | 75.1 | 74.1 | 73.2 | 72.2 | 71.3 | 70.3 | 69.4 | 68.5 |
| 44 | 77.0 | 76.0 | 75.1 | 74.1 | 73.1 | 72.2 | 71.2 | 70.3 | 69.3 | 68.4 |
| 45 | 77.0 | 76.0 | 75.0 | 74.1 | 73.1 | 72.2 | 71.2 | 70.2 | 69.3 | 68.4 |
| 46 | 76.9 | 76.0 | 75.0 | 74.0 | 73.1 | 72.1 | 71.2 | 70.2 | 69.3 | 68.3 |
| 47 | 76.9 | 75.9 | 75.0 | 74.0 | 73.1 | 72.1 | 71.1 | 70.2 | 69.2 | 68.3 |
| 48 | 76.9 | 75.9 | 75.0 | 74.0 | 73.0 | 72.1 | 71.1 | 70.1 | 69.2 | 68.2 |
| 49 | 76.9 | 75.9 | 74.9 | 74.0 | 73.0 | 72.0 | 71.1 | 70.1 | 69.1 | 68.2 |
| 50 | 76.9 | 75.9 | 74.9 | 73.9 | 73.0 | 72.0 | 71.0 | 70.1 | 69.1 | 68.2 |
| 51 | 76.8 | 75.9 | 74.9 | 73.9 | 73.0 | 72.0 | 71.0 | 70.1 | 69.1 | 68.1 |
| 52 | 76.8 | 75.9 | 74.9 | 73.9 | 72.9 | 72.0 | 71.0 | 70.0 | 69.1 | 68.1 |
| 53 | 76.8 | 75.8 | 74.9 | 73.9 | 72.9 | 71.9 | 71.0 | 70.0 | 69.0 | 68.1 |
| 54 | 76.8 | 75.8 | 74.8 | 73.9 | 72.9 | 71.9 | 71.0 | 70.0 | 69.0 | 68.1 |
| 55 | 76.8 | 75.8 | 74.8 | 73.9 | 72.9 | 71.9 | 70.9 | 70.0 | 69.0 | 68.0 |
| 56 | 76.8 | 75.8 | 74.8 | 73.8 | 72.9 | 71.9 | 70.9 | 69.9 | 69.0 | 68.0 |
| 57 | 76.8 | 75.8 | 74.8 | 73.8 | 72.9 | 71.9 | 70.9 | 69.9 | 69.0 | 68.0 |
| 58 | 76.8 | 75.8 | 74.8 | 73.8 | 72.8 | 71.9 | 70.9 | 69.9 | 68.9 | 68.0 |
| 59 | 76.7 | 75.8 | 74.8 | 73.8 | 72.8 | 71.9 | 70.9 | 69.9 | 68.9 | 68.0 |
| 60 | 76.7 | 75.8 | 74.8 | 73.8 | 72.8 | 71.8 | 70.9 | 69.9 | 68.9 | 67.9 |
| 61 | 76.7 | 75.7 | 74.8 | 73.8 | 72.8 | 71.8 | 70.9 | 69.9 | 68.9 | 67.9 |
| 62 | 76.7 | 75.7 | 74.8 | 73.8 | 72.8 | 71.8 | 70.8 | 69.9 | 68.9 | 67.9 |
| 63 | 76.7 | 75.7 | 74.8 | 73.8 | 72.8 | 71.8 | 70.8 | 69.9 | 68.9 | 67.9 |
| 64 | 76.7 | 75.7 | 74.7 | 73.8 | 72.8 | 71.8 | 70.8 | 69.8 | 68.9 | 67.9 |
| 65 | 76.7 | 75.7 | 74.7 | 73.8 | 72.8 | 71.8 | 70.8 | 69.8 | 68.9 | 67.9 |
| 66 | 76.7 | 75.7 | 74.7 | 73.7 | 72.8 | 71.8 | 70.8 | 69.8 | 68.9 | 67.9 |
| 67 | 76.7 | 75.7 | 74.7 | 73.7 | 72.8 | 71.8 | 70.8 | 69.8 | 68.8 | 67.9 |
| 68 | 76.7 | 75.7 | 74.7 | 73.7 | 72.8 | 71.8 | 70.8 | 69.8 | 68.8 | 67.9 |
| 69 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.8 | 70.8 | 69.8 | 68.8 | 67.8 |
| 70 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.8 | 70.8 | 69.8 | 68.8 | 67.8 |
| 71 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.8 | 70.8 | 69.8 | 68.8 | 67.8 |
| 72 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.8 | 70.8 | 69.8 | 68.8 | 67.8 |
| 73 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.8 | 69.8 | 68.8 | 67.8 |
| 74 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.8 | 69.8 | 68.8 | 67.8 |
| 75 | 76.7 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.8 | 69.8 | 68.8 | 67.8 |
| 76 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.8 | 69.8 | 68.8 | 67.8 |
| 77 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.8 | 69.8 | 68.8 | 67.8 |
| 78 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 79 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 80 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 81 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 82 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 83 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 84 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 85 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 86 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 87 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 88 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.8 | 68.8 | 67.8 |
| 89 | 76.6 | 75.7 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 90 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 91 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 92 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 93 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 94 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 95 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 96 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 97 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 98 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 99 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 100 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 101 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 102 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 103 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 104 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 105 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 106 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 107 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 108 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 109 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 110 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 111 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 112 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 113 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 114 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |
| 115 | 76.6 | 75.6 | 74.7 | 73.7 | 72.7 | 71.7 | 70.7 | 69.7 | 68.8 | 67.8 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 15 | 73.8 | 73.3 | 72.9 | 72.4 | 72.0 | 71.6 | 71.3 | 70.9 | 70.6 | 70.3 |
| 16 | 73.3 | 72.8 | 72.3 | 71.9 | 71.4 | 71.0 | 70.7 | 70.3 | 70.0 | 69.6 |
| 17 | 72.9 | 72.3 | 71.8 | 71.3 | 70.9 | 70.5 | 70.0 | 69.7 | 69.3 | 69.0 |
| 18 | 72.4 | 71.9 | 71.3 | 70.8 | 70.4 | 69.0 | 69.5 | 69.9 | 68.7 | 68.3 |
| 19 | 72.0 | 71.4 | 70.9 | 70.4 | 69.8 | 69.4 | 68.9 | 68.5 | 68.1 | 67.7 |
| 20 | 71.6 | 71.0 | 70.5 | 69.9 | 69.4 | 68.8 | 68.4 | 67.9 | 67.5 | 67.1 |
| 21 | 71.3 | 70.7 | 70.0 | 69.5 | 68.9 | 68.4 | 67.9 | 67.4 | 66.9 | 66.5 |
| 22 | 70.9 | 70.3 | 69.7 | 69.0 | 68.5 | 67.9 | 67.4 | 66.9 | 66.4 | 65.9 |
| 23 | 70.6 | 70.0 | 69.3 | 68.7 | 68.1 | 67.5 | 66.9 | 66.4 | 65.9 | 65.4 |
| 24 | 70.3 | 69.6 | 69.0 | 68.3 | 67.7 | 67.1 | 66.5 | 65.9 | 65.4 | 64.9 |
| 25 | 70.1 | 69.3 | 68.6 | 68.0 | 67.3 | 66.7 | 66.1 | 65.5 | 64.9 | 64.4 |
| 26 | 69.8 | 69.1 | 68.3 | 67.6 | 67.0 | 66.3 | 65.7 | 65.1 | 64.5 | 63.9 |
| 27 | 69.6 | 68.8 | 68.1 | 67.3 | 66.7 | 66.0 | 65.3 | 64.7 | 64.1 | 63.5 |
| 28 | 69.3 | 68.6 | 67.8 | 67.1 | 66.4 | 65.7 | 65.0 | 64.3 | 63.7 | 63.1 |
| 29 | 69.1 | 68.4 | 67.6 | 66.8 | 66.1 | 65.4 | 64.7 | 64.0 | 63.3 | 62.7 |
| 30 | 69.0 | 68.2 | 67.4 | 66.6 | 65.8 | 65.1 | 64.4 | 63.7 | 63.0 | 62.3 |
| 31 | 68.8 | 68.0 | 67.2 | 66.4 | 65.6 | 64.8 | 64.1 | 63.4 | 62.7 | 62.0 |
| 32 | 68.6 | 67.8 | 67.0 | 66.2 | 65.4 | 64.6 | 63.8 | 63.1 | 62.4 | 61.7 |
| 33 | 68.5 | 67.6 | 66.8 | 66.0 | 65.2 | 64.4 | 63.6 | 62.8 | 62.1 | 61.4 |
| 34 | 68.3 | 67.5 | 66.6 | 65.8 | 65.0 | 64.2 | 63.4 | 62.6 | 61.9 | 61.1 |
| 35 | 68.2 | 67.4 | 66.5 | 65.6 | 64.8 | 64.0 | 63.2 | 62.4 | 61.6 | 60.9 |
| 36 | 68.1 | 67.2 | 66.4 | 65.5 | 64.7 | 63.8 | 63.0 | 62.2 | 61.4 | 60.6 |
| 37 | 68.0 | 67.1 | 66.2 | 65.4 | 64.5 | 63.7 | 62.8 | 62.0 | 61.2 | 60.4 |
| 38 | 67.9 | 67.0 | 66.1 | 65.2 | 64.4 | 63.5 | 62.7 | 61.8 | 61.0 | 60.2 |
| 39 | 67.8 | 66.9 | 66.0 | 65.1 | 64.2 | 63.4 | 62.5 | 61.7 | 60.8 | 60.0 |
| 40 | 67.7 | 66.8 | 65.9 | 65.0 | 64.1 | 63.3 | 62.4 | 61.5 | 60.7 | 59.9 |
| 41 | 67.7 | 66.7 | 65.8 | 64.9 | 64.0 | 63.1 | 62.3 | 61.4 | 60.5 | 59.7 |
| 42 | 67.6 | 66.7 | 65.7 | 64.8 | 63.9 | 63.0 | 62.2 | 61.3 | 60.4 | 59.6 |
| 43 | 67.5 | 66.6 | 65.7 | 64.8 | 63.8 | 62.9 | 62.1 | 61.2 | 60.3 | 59.4 |
| 44 | 67.5 | 66.5 | 65.6 | 64.7 | 63.8 | 62.9 | 62.0 | 61.1 | 60.2 | 59.3 |
| 45 | 67.4 | 66.5 | 65.5 | 64.6 | 63.7 | 62.8 | 61.9 | 61.0 | 60.1 | 59.2 |
| 46 | 67.4 | 66.4 | 65.4 | 64.6 | 63.6 | 62.7 | 61.8 | 60.9 | 60.0 | 59.1 |
| 47 | 67.3 | 66.4 | 65.4 | 64.5 | 63.6 | 62.6 | 61.7 | 60.8 | 59.9 | 59.0 |
| 48 | 67.3 | 66.3 | 65.4 | 64.4 | 63.5 | 62.6 | 61.6 | 60.7 | 59.8 | 58.9 |
| 49 | 67.2 | 66.3 | 65.3 | 64.4 | 63.5 | 62.5 | 61.6 | 60.7 | 59.7 | 58.8 |
| 50 | 67.2 | 66.2 | 65.3 | 64.3 | 63.4 | 62.5 | 61.5 | 60.6 | 59.7 | 58.8 |
| 51 | 67.2 | 66.2 | 65.3 | 64.3 | 63.4 | 62.4 | 61.5 | 60.5 | 59.6 | 58.7 |
| 52 | 67.1 | 66.2 | 65.2 | 64.3 | 63.3 | 62.4 | 61.4 | 60.5 | 59.6 | 58.6 |
| 53 | 67.1 | 66.2 | 65.2 | 64.2 | 63.3 | 62.3 | 61.4 | 60.4 | 59.5 | 58.6 |
| 54 | 67.1 | 66.1 | 65.2 | 64.2 | 63.2 | 62.3 | 61.3 | 60.4 | 59.5 | 58.5 |
| 55 | 67.1 | 66.1 | 65.1 | 64.2 | 63.2 | 62.3 | 61.3 | 60.4 | 59.4 | 58.5 |
| 56 | 67.0 | 66.1 | 65.1 | 64.1 | 63.2 | 62.2 | 61.3 | 60.3 | 59.4 | 58.4 |
| 57 | 67.0 | 66.1 | 65.1 | 64.1 | 63.2 | 62.2 | 61.2 | 60.3 | 59.3 | 58.4 |
| 58 | 67.0 | 66.0 | 65.1 | 64.1 | 63.1 | 62.2 | 61.2 | 60.3 | 59.3 | 58.4 |
| 59 | 67.0 | 66.0 | 65.0 | 64.1 | 63.1 | 62.1 | 61.2 | 60.2 | 59.3 | 58.3 |
| 60 | 67.0 | 66.0 | 65.0 | 64.1 | 63.1 | 62.1 | 61.2 | 60.2 | 59.2 | 58.3 |
| 61 | 67.0 | 66.0 | 65.0 | 64.0 | 63.1 | 62.1 | 61.1 | 60.2 | 59.2 | 58.3 |
| 62 | 66.9 | 66.0 | 65.0 | 64.0 | 63.1 | 62.1 | 61.1 | 60.2 | 59.2 | 58.2 |
| 63 | 66.9 | 66.0 | 65.0 | 64.0 | 63.0 | 62.1 | 61.1 | 60.1 | 59.2 | 58.2 |
| 64 | 66.9 | 65.9 | 65.0 | 64.0 | 63.0 | 62.1 | 61.1 | 60.1 | 59.2 | 58.2 |
| 65 | 66.9 | 65.9 | 65.0 | 64.0 | 63.0 | 62.0 | 61.1 | 60.1 | 59.1 | 58.2 |
| 66 | 66.9 | 65.9 | 64.9 | 64.0 | 63.0 | 62.0 | 61.1 | 60.1 | 59.1 | 58.2 |
| 67 | 66.9 | 65.9 | 64.9 | 64.0 | 63.0 | 62.0 | 61.1 | 60.1 | 59.1 | 58.1 |
| 68 | 66.9 | 65.9 | 64.9 | 64.0 | 63.0 | 62.0 | 61.0 | 60.1 | 59.1 | 58.1 |
| 69 | 66.9 | 65.9 | 64.9 | 63.9 | 63.0 | 62.0 | 61.0 | 60.0 | 59.1 | 58.1 |
| 70 | 66.9 | 65.9 | 64.9 | 63.9 | 63.0 | 62.0 | 61.0 | 60.0 | 59.1 | 58.1 |
| 71 | 66.9 | 65.9 | 64.9 | 63.9 | 62.9 | 62.0 | 61.0 | 60.0 | 59.1 | 58.1 |
| 72 | 66.9 | 65.9 | 64.9 | 63.9 | 62.9 | 62.0 | 61.0 | 60.0 | 59.0 | 58.1 |
| 73 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 62.0 | 61.0 | 60.0 | 59.0 | 58.1 |
| 74 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 62.0 | 61.0 | 60.0 | 59.0 | 58.1 |
| 75 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 61.9 | 61.0 | 60.0 | 59.0 | 58.1 |
| 76 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 61.9 | 61.0 | 60.0 | 59.0 | 58.0 |
| 76 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 61.9 | 61.0 | 60.0 | 59.0 | 58.0 |
| 77 | 66.8 | 65.9 | 64.9 | 63.9 | 63.9 | 62.9 | 61.0 | 60.0 | 59.0 | 58.0 |
| 78 | 66.8 | 65.8 | 64.9 | 63.9 | 62.9 | 61.9 | 61.0 | 60.0 | 59.0 | 58.0 |
| 79 | 66.8 | 65.8 | 64.9 | 63.9 | 62.9 | 61.9 | 61.0 | 60.0 | 59.0 | 58.0 |
| 80 | 66.8 | 65.9 | 64.9 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 81 | 66.8 | 65.8 | 64.9 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 82 | 66.8 | 65.8 | 64.9 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 83 | 66.8 | 65.8 | 64.9 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 84 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 85 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 86 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 87 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 88 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 89 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 90 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 91 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 60.0 | 59.0 | 58.0 |
| 92 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 93 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 94 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 95 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 96 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 97 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 98 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 99 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 100 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 101 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 102 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 103 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 104 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 105 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 106 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 107 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 108 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 109 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 110 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 111 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 112 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 113 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 114 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |
| 115 | 66.8 | 65.8 | 64.8 | 63.9 | 62.9 | 61.9 | 60.9 | 59.9 | 59.0 | 58.0 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 25 | 63.9 | 63.4 | 62.9 | 62.5 | 62.1 | 61.7 | 61.3 | 61.0 | 60.7 | 60.4 |
| 26 | 63.4 | 62.9 | 62.4 | 61.9 | 61.5 | 61.1 | 60.7 | 60.4 | 60.0 | 59.7 |
| 27 | 62.9 | 62.4 | 61.9 | 61.4 | 60.9 | 60.5 | 60.1 | 59.7 | 59.4 | 59.0 |
| 28 | 62.5 | 61.9 | 61.4 | 60.9 | 60.4 | 60.0 | 59.5 | 59.1 | 58.7 | 58.4 |
| 29 | 62.1 | 61.5 | 60.9 | 60.4 | 59.9 | 59.4 | 59.0 | 58.5 | 58.1 | 57.7 |
| 30 | 61.7 | 61.1 | 60.5 | 60.0 | 59.4 | 58.9 | 58.4 | 58.0 | 57.5 | 57.1 |
| 31 | 61.3 | 60.7 | 60.1 | 59.5 | 59.0 | 58.4 | 57.9 | 57.4 | 57.0 | 56.5 |
| 32 | 61.0 | 60.4 | 59.7 | 59.1 | 58.5 | 58.0 | 57.4 | 56.9 | 56.4 | 56.0 |
| 33 | 60.7 | 60.0 | 59.4 | 58.7 | 58.1 | 57.5 | 57.0 | 56.4 | 55.9 | 55.5 |
| 34 | 60.4 | 59.7 | 59.0 | 58.4 | 57.7 | 57.1 | 56.5 | 56.0 | 55.5 | 54.9 |
| 35 | 60.1 | 59.4 | 58.7 | 58.0 | 57.4 | 56.7 | 56.1 | 55.6 | 55.0 | 54.5 |
| 36 | 59.9 | 59.1 | 58.4 | 57.7 | 57.0 | 56.4 | 55.8 | 55.1 | 54.6 | 54.0 |
| 37 | 59.6 | 58.9 | 58.1 | 57.4 | 56.7 | 56.0 | 55.4 | 54.8 | 54.2 | 53.6 |
| 38 | 59.4 | 58.6 | 57.9 | 57.9 | 56.4 | 55.7 | 55.1 | 54.4 | 53.8 | 53.2 |
| 39 | 59.2 | 58.4 | 57.7 | 56.9 | 56.2 | 55.4 | 54.7 | 54.1 | 53.4 | 52.8 |
| 40 | 59.0 | 58.2 | 57.4 | 56.7 | 55.9 | 55.2 | 54.5 | 53.8 | 53.1 | 52.4 |
| 41 | 58.9 | 58.0 | 57.2 | 56.4 | 55.7 | 54.9 | 54.2 | 53.5 | 52.8 | 52.1 |
| 42 | 58.7 | 57.9 | 57.1 | 56.2 | 55.5 | 54.7 | 53.9 | 53.2 | 52.5 | 51.8 |
| 43 | 58.6 | 57.7 | 56.9 | 56.1 | 55.3 | 54.5 | 53.7 | 52.9 | 52.2 | 51.5 |
| 44 | 58.4 | 57.6 | 56.7 | 55.9 | 55.1 | 54.3 | 53.5 | 52.7 | 52.0 | 51.2 |
| 45 | 58.3 | 57.4 | 56.6 | 55.7 | 54.9 | 54.1 | 53.3 | 52.5 | 51.7 | 51.0 |
| 46 | 58.2 | 57.3 | 56.5 | 55.6 | 54.8 | 53.9 | 53.1 | 52.3 | 51.5 | 50.7 |
| 47 | 58.1 | 57.2 | 56.3 | 55.5 | 54.6 | 53.8 | 52.9 | 52.1 | 51.3 | 50.5 |
| 48 | 58.0 | 57.1 | 56.2 | 55.3 | 54.5 | 53.6 | 52.8 | 51.9 | 51.1 | 50.3 |
| 49 | 57.9 | 57.0 | 56.1 | 55.2 | 54.4 | 53.5 | 52.6 | 51.8 | 51.0 | 50.1 |
| 50 | 57.8 | 56.9 | 56.0 | 55.1 | 54.2 | 53.4 | 52.5 | 51.7 | 50.8 | 50.0 |
| 51 | 57.8 | 56.9 | 55.9 | 55.0 | 54.1 | 53.3 | 52.4 | 51.5 | 50.7 | 49.8 |
| 52 | 57.7 | 56.8 | 55.9 | 55.0 | 54.1 | 53.2 | 52.3 | 51.4 | 50.5 | 49.7 |
| 53 | 57.6 | 56.7 | 55.8 | 54.9 | 54.0 | 53.1 | 52.2 | 51.3 | 50.4 | 49.6 |
| 54 | 57.6 | 56.7 | 55.7 | 54.8 | 53.9 | 53.0 | 52.1 | 51.2 | 50.3 | 49.4 |
| 55 | 57.5 | 56.6 | 55.7 | 54.7 | 53.8 | 52.9 | 52.0 | 51.1 | 40.2 | 49.3 |
| 56 | 57.5 | 56.5 | 55.6 | 54.7 | 53.8 | 52.8 | 51.9 | 51.0 | 50.1 | 49.2 |
| 57 | 57.4 | 56.5 | 55.6 | 54.6 | 53.7 | 52.8 | 51.9 | 50.9 | 50.0 | 49.1 |
| 58 | 57.4 | 56.5 | 55.5 | 54.6 | 53.6 | 52.7 | 51.8 | 50.9 | 50.0 | 49.1 |
| 59 | 57.4 | 56.4 | 55.5 | 54.5 | 53.6 | 52.7 | 51.7 | 50.8 | 49.9 | 49.0 |
| 60 | 57.3 | 56.4 | 55.4 | 54.5 | 53.6 | 52.6 | 51.7 | 50.8 | 49.8 | 48.9 |
| 61 | 57.3 | 56.4 | 55.4 | 54.5 | 53.5 | 52.6 | 51.6 | 50.7 | 49.8 | 48.9 |
| 62 | 57.3 | 56.3 | 55.4 | 54.4 | 53.5 | 52.5 | 51.6 | 50.7 | 49.7 | 48.8 |
| 63 | 57.3 | 56.3 | 55.3 | 54.4 | 53.4 | 52.5 | 51.6 | 50.6 | 49.7 | 48.7 |
| 64 | 57.2 | 56.3 | 55.3 | 54.4 | 53.4 | 52.5 | 51.5 | 50.6 | 49.6 | 48.7 |
| 65 | 57.2 | 56.3 | 55.3 | 54.3 | 53.4 | 52.4 | 51.5 | 50.5 | 49.6 | 48.7 |
| 66 | 57.2 | 56.2 | 55.3 | 54.3 | 53.4 | 52.4 | 51.5 | 50.5 | 49.6 | 48.6 |
| 67 | 57.2 | 56.2 | 55.3 | 54.3 | 53.3 | 52.4 | 51.4 | 50.5 | 49.5 | 48.6 |
| 68 | 57.2 | 56.2 | 55.2 | 54.3 | 53.3 | 52.4 | 51.4 | 50.4 | 49.5 | 48.6 |
| 69 | 57.1 | 56.2 | 55.2 | 54.3 | 53.3 | 52.3 | 51.4 | 50.4 | 49.5 | 48.5 |
| 70 | 57.1 | 56.2 | 55.2 | 54.2 | 53.3 | 52.3 | 51.4 | 50.4 | 49.4 | 48.5 |
| 71 | 57.1 | 56.2 | 55.2 | 54.2 | 53.3 | 52.3 | 51.3 | 50.4 | 49.4 | 48.5 |
| 72 | 57.1 | 56.1 | 55.2 | 54.2 | 53.2 | 52.3 | 51.3 | 50.4 | 49.4 | 48.5 |
| 73 | 57.1 | 56.1 | 55.2 | 54.2 | 53.2 | 52.3 | 51.3 | 50.3 | 49.4 | 48.4 |
| 74 | 57.1 | 56.1 | 55.2 | 54.2 | 53.2 | 52.3 | 51.3 | 50.3 | 49.4 | 48.4 |
| 75 | 57.1 | 56.1 | 55.1 | 54.2 | 53.2 | 52.2 | 51.3 | 50.3 | 49.4 | 48.4 |
| 76 | 57.1 | 56.1 | 55.1 | 54.2 | 53.2 | 52.2 | 51.3 | 50.3 | 49.3 | 48.4 |
| 77 | 57.1 | 56.1 | 55.1 | 54.2 | 53.2 | 52.2 | 51.3 | 50.3 | 49.3 | 48.4 |
| 78 | 57.1 | 56.1 | 55.1 | 54.2 | 53.2 | 52.2 | 51.3 | 50.3 | 49.3 | 48.4 |
| 79 | 57.1 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.4 |
| 80 | 57.1 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.3 |
| 81 | 57.0 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.3 |
| 82 | 57.0 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.3 |
| 83 | 57.0 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.3 |
| 84 | 57.0 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.3 | 49.3 | 48.3 |
| 85 | 57.0 | 56.1 | 55.1 | 54.1 | 53.2 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 86 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 87 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 88 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 89 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 90 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 91 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 92 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 93 | 57.0 | 56.1 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 94 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 95 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 96 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 97 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 98 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 99 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 100 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 101 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 102 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 103 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 104 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 105 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 106 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 107 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 108 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 109 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 110 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 111 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 112 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 113 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 114 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |
| 115 | 57.0 | 56.0 | 55.1 | 54.1 | 53.1 | 52.2 | 51.2 | 50.2 | 49.3 | 48.3 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 35 | 54.0 | 53.5 | 53.0 | 52.6 | 52.2 | 51.8 | 51.4 | 51.1 | 50.8 | 50.5 |
| 36 | 53.5 | 53.0 | 52.5 | 52.0 | 51.6 | 51.2 | 50.8 | 50.4 | 50.1 | 49.8 |
| 37 | 53.0 | 52.5 | 52.0 | 51.5 | 51.0 | 50.6 | 50.2 | 49.8 | 49.5 | 49.1 |
| 38 | 52.6 | 52.0 | 51.5 | 51.0 | 50.5 | 50.0 | 49.6 | 49.2 | 48.8 | 48.5 |
| 39 | 52.2 | 51.6 | 51.0 | 50.5 | 50.0 | 49.5 | 49.1 | 48.6 | 48.2 | 47.8 |
| 40 | 51.8 | 51.2 | 50.6 | 50.0 | 49.5 | 49.0 | 48.5 | 48.1 | 47.6 | 47.2 |
| 41 | 51.4 | 50.8 | 50.2 | 49.6 | 49.1 | 48.5 | 48.0 | 47.5 | 47.1 | 46.7 |
| 42 | 51.1 | 50.4 | 49.8 | 49.2 | 48.6 | 48.1 | 47.5 | 47.0 | 46.6 | 46.1 |
| 43 | 50.8 | 50.1 | 49.5 | 48.8 | 48.2 | 47.6 | 47.1 | 46.6 | 46.0 | 45.6 |
| 44 | 50.5 | 49.8 | 49.1 | 48.5 | 47.8 | 47.2 | 46.7 | 46.1 | 45.6 | 45.1 |
| 45 | 50.2 | 49.5 | 48.8 | 48.1 | 47.5 | 46.9 | 46.3 | 45.7 | 45.1 | 44.6 |
| 46 | 50.0 | 49.2 | 48.5 | 47.8 | 47.2 | 46.5 | 45.9 | 45.3 | 44.7 | 44.1 |
| 47 | 49.7 | 49.0 | 48.3 | 47.5 | 46.8 | 46.2 | 45.5 | 44.9 | 44.3 | 43.7 |
| 48 | 49.5 | 48.8 | 48.0 | 47.3 | 46.6 | 45.9 | 45.2 | 44.5 | 43.9 | 43.3 |
| 49 | 49.3 | 48.5 | 47.8 | 47.0 | 46.3 | 45.6 | 44.9 | 44.2 | 43.6 | 42.9 |
| 50 | 49.2 | 48.4 | 47.6 | 46.8 | 46.0 | 45.3 | 44.6 | 43.9 | 43.2 | 42.6 |
| 51 | 49.0 | 48.2 | 47.4 | 46.6 | 45.8 | 45.1 | 44.3 | 43.6 | 42.9 | 44.2 |
| 52 | 48.8 | 48.0 | 47.2 | 46.4 | 45.6 | 44.8 | 44.1 | 43.3 | 42.6 | 41.9 |
| 53 | 48.7 | 47.9 | 47.0 | 46.2 | 45.4 | 44.6 | 43.9 | 43.1 | 42.4 | 41.7 |
| 54 | 48.6 | 47.7 | 46.9 | 46.0 | 45.2 | 44.4 | 43.6 | 42.9 | 42.1 | 41.4 |
| 55 | 48.5 | 47.6 | 46.7 | 45.9 | 45.1 | 44.2 | 43.4 | 42.7 | 41.9 | 41.2 |
| 56 | 48.3 | 47.5 | 46.6 | 45.8 | 44.9 | 44.1 | 43.3 | 42.5 | 41.7 | 40.9 |
| 57 | 48.3 | 47.4 | 46.5 | 45.6 | 44.8 | 43.9 | 43.1 | 42.3 | 41.5 | 40.7 |
| 58 | 48.2 | 47.3 | 46.4 | 45.5 | 44.7 | 43.8 | 43.0 | 42.1 | 41.3 | 40.5 |
| 59 | 48.1 | 47.2 | 46.3 | 45.4 | 44.5 | 43.7 | 42.8 | 42.0 | 41.2 | 40.4 |
| 60 | 48.0 | 47.1 | 46.2 | 45.3 | 44.4 | 43.6 | 42.7 | 41.9 | 41.0 | 40.2 |
| 61 | 47.9 | 47.0 | 46.1 | 45.2 | 44.3 | 43.5 | 42.6 | 41.7 | 40.9 | 40.0 |
| 62 | 47.9 | 47.0 | 46.0 | 45.1 | 44.2 | 43.4 | 42.5 | 41.6 | 40.8 | 39.9 |
| 63 | 47.8 | 46.9 | 46.0 | 45.1 | 44.2 | 43.3 | 42.4 | 41.5 | 40.6 | 39.8 |
| 64 | 47.8 | 46.8 | 45.9 | 45.0 | 44.1 | 43.2 | 42.3 | 41.4 | 40.5 | 39.7 |
| 65 | 47.7 | 46.8 | 45.9 | 44.9 | 44.0 | 43.1 | 42.2 | 41.3 | 40.4 | 39.6 |
| 66 | 47.7 | 46.7 | 45.8 | 44.9 | 44.0 | 43.1 | 42.2 | 41.3 | 40.4 | 39.5 |
| 67 | 47.6 | 46.7 | 45.8 | 44.8 | 43.9 | 43.0 | 42.1 | 41.2 | 40.3 | 39.4 |
| 68 | 47.6 | 46.7 | 45.7 | 44.8 | 43.9 | 42.9 | 42.0 | 41.1 | 40.2 | 39.3 |
| 69 | 47.6 | 46.6 | 45.7 | 44.8 | 43.8 | 42.9 | 42.0 | 41.1 | 40.2 | 39.3 |
| 70 | 47.5 | 46.6 | 45.7 | 44.7 | 43.8 | 42.9 | 41.9 | 41.0 | 40.1 | 39.2 |
| 71 | 47.5 | 46.6 | 45.6 | 44.7 | 43.8 | 42.8 | 41.9 | 41.0 | 40.1 | 39.1 |
| 72 | 47.5 | 46.6 | 45.6 | 44.7 | 43.7 | 42.8 | 41.9 | 40.9 | 40.0 | 39.1 |
| 73 | 47.5 | 46.5 | 45.6 | 44.6 | 43.7 | 42.8 | 41.8 | 40.9 | 40.0 | 39.0 |
| 74 | 47.5 | 46.5 | 45.6 | 44.6 | 43.7 | 42.7 | 41.8 | 40.9 | 39.9 | 39.0 |
| 75 | 47.4 | 46.5 | 45.5 | 44.6 | 43.6 | 42.7 | 41.8 | 40.8 | 39.9 | 39.0 |
| 76 | 47.4 | 46.5 | 45.5 | 44.6 | 43.6 | 42.7 | 41.7 | 40.8 | 39.9 | 38.9 |
| 77 | 47.4 | 46.5 | 45.5 | 44.6 | 43.6 | 42.7 | 41.7 | 40.8 | 39.8 | 38.9 |
| 78 | 47.4 | 46.4 | 45.5 | 44.5 | 43.6 | 42.6 | 41.7 | 40.7 | 39.8 | 38.9 |
| 79 | 47.4 | 46.4 | 45.5 | 44.5 | 43.6 | 42.6 | 41.7 | 40.7 | 39.8 | 38.9 |
| 80 | 47.4 | 46.4 | 45.5 | 44.5 | 43.6 | 42.6 | 41.7 | 40.7 | 39.8 | 38.8 |
| 81 | 47.4 | 46.4 | 45.5 | 44.5 | 43.5 | 42.6 | 41.6 | 40.7 | 39.8 | 38.8 |
| 82 | 47.4 | 46.4 | 45.4 | 44.5 | 43.5 | 42.6 | 41.6 | 40.7 | 39.7 | 38.8 |
| 83 | 47.4 | 46.4 | 45.4 | 44.5 | 43.5 | 42.6 | 41.6 | 40.7 | 39.7 | 38.8 |
| 84 | 47.4 | 46.4 | 45.4 | 44.5 | 43.5 | 42.6 | 41.6 | 40.7 | 39.7 | 38.8 |
| 85 | 47.4 | 46.4 | 45.4 | 44.5 | 43.5 | 42.6 | 41.6 | 40.7 | 39.7 | 38.8 |
| 86 | 47.3 | 46.4 | 45.4 | 44.5 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.8 |
| 87 | 47.3 | 46.4 | 45.4 | 44.5 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 88 | 47.3 | 46.4 | 45.4 | 44.5 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 89 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 90 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 91 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 39.7 |
| 92 | 47.3 | 46.4 | 45.4 | 44.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 38.7 |
| 93 | 47.3 | 46.4 | 45.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 39.7 | 38.7 |
| 94 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 95 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 96 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.7 | 38.7 |
| 97 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.6 | 38.7 |
| 98 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.6 | 40.6 | 39.6 | 38.7 |
| 99 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 100 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 101 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 102 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 103 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 104 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 105 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 106 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 107 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 108 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 109 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 110 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 111 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 112 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 113 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 114 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 114 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |
| 115 | 47.3 | 46.4 | 45.4 | 44.4 | 43.5 | 42.5 | 41.5 | 40.6 | 39.6 | 38.7 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 45 | 44.1 | 43.6 | 43.2 | 42.7 | 42.3 | 42.0 | 41.6 | 41.3 | 41.0 | 40.7 |
| 46 | 43.6 | 43.1 | 42.6 | 42.2 | 41.8 | 41.4 | 41.0 | 40.6 | 40.3 | 40.0 |
| 47 | 43.2 | 42.6 | 42.1 | 41.7 | 41.2 | 40.8 | 40.4 | 40.0 | 39.7 | 39.3 |
| 48 | 42.7 | 42.2 | 41.7 | 41.2 | 40.7 | 40.2 | 39.8 | 39.4 | 39.0 | 38.7 |
| 49 | 42.3 | 41.8 | 41.2 | 40.7 | 40.2 | 39.7 | 39.3 | 38.8 | 38.4 | 38.1 |
| 50 | 42.0 | 41.4 | 40.8 | 40.2 | 39.7 | 39.2 | 38.7 | 38.3 | 37.9 | 37.5 |
| 51 | 41.6 | 41.0 | 40.4 | 39.8 | 39.3 | 38.7 | 38.2 | 37.8 | 37.3 | 36.9 |
| 52 | 41.3 | 40.6 | 40.0 | 39.4 | 38.8 | 38.3 | 37.8 | 37.3 | 36.8 | 36.4 |
| 53 | 41.0 | 40.3 | 39.7 | 39.0 | 38.4 | 37.9 | 37.3 | 36.8 | 36.3 | 35.8 |
| 54 | 40.7 | 40.0 | 39.3 | 38.7 | 38.1 | 37.5 | 36.9 | 36.4 | 35.8 | 35.3 |
| 55 | 40.4 | 39.7 | 39.0 | 38.4 | 37.7 | 37.1 | 36.5 | 35.9 | 35.4 | 34.9 |
| 56 | 40.2 | 39.5 | 38.7 | 38.1 | 37.4 | 36.8 | 36.1 | 35.6 | 35.0 | 34.4 |
| 57 | 40.0 | 39.2 | 38.5 | 37.8 | 37.1 | 36.4 | 35.8 | 35.2 | 34.6 | 34.0 |
| 58 | 39.7 | 39.0 | 38.2 | 37.5 | 36.8 | 36.1 | 35.5 | 34.8 | 34.2 | 33.6 |
| 59 | 39.6 | 38.8 | 38.0 | 37.3 | 36.6 | 35.9 | 35.2 | 34.5 | 33.9 | 33.3 |
| 60 | 39.4 | 38.6 | 37.8 | 37.1 | 36.3 | 35.6 | 34.9 | 34.2 | 33.6 | 32.9 |
| 61 | 39.2 | 38.4 | 37.6 | 36.9 | 36.1 | 35.4 | 34.6 | 33.9 | 33.3 | 32.6 |
| 62 | 39.1 | 38.3 | 37.5 | 36.7 | 35.9 | 35.1 | 34.4 | 33.7 | 33.0 | 32.3 |
| 63 | 38.9 | 38.1 | 37.3 | 36.5 | 35.7 | 34.9 | 34.2 | 33.5 | 32.7 | 32.0 |
| 64 | 38.8 | 38.0 | 37.2 | 36.3 | 35.5 | 34.8 | 34.0 | 33.2 | 32.5 | 31.8 |
| 65 | 38.7 | 37.9 | 37.0 | 36.2 | 35.4 | 34.6 | 33.8 | 33.0 | 32.3 | 31.6 |
| 66 | 38.6 | 37.8 | 36.9 | 36.1 | 35.2 | 34.4 | 33.6 | 32.9 | 32.1 | 31.4 |
| 67 | 38.5 | 37.7 | 36.8 | 36.0 | 35.1 | 34.3 | 33.5 | 32.7 | 31.9 | 31.2 |
| 68 | 38.4 | 37.6 | 36.7 | 35.8 | 35.0 | 34.2 | 33.4 | 32.5 | 31.8 | 31.0 |
| 69 | 38.4 | 37.5 | 36.6 | 35.7 | 34.9 | 34.1 | 33.2 | 32.4 | 31.6 | 30.8 |
| 70 | 38.3 | 37.4 | 36.5 | 35.7 | 34.8 | 34.0 | 33.1 | 32.3 | 31.5 | 30.7 |
| 71 | 38.2 | 37.3 | 36.5 | 35.6 | 34.7 | 33.9 | 33.0 | 32.2 | 31.4 | 30.5 |
| 72 | 38.2 | 37.3 | 36.4 | 35.5 | 34.6 | 33.8 | 32.9 | 32.1 | 31.2 | 30.4 |
| 73 | 38.1 | 37.2 | 36.3 | 35.4 | 34.6 | 33.7 | 32.8 | 32.0 | 31.1 | 30.3 |
| 74 | 38.1 | 37.2 | 36.3 | 35.4 | 34.5 | 33.6 | 32.8 | 31.9 | 31.1 | 30.2 |
| 75 | 38.1 | 37.1 | 36.2 | 35.3 | 34.5 | 33.6 | 32.7 | 31.8 | 31.0 | 30.1 |
| 76 | 38.0 | 37.1 | 36.2 | 35.3 | 34.4 | 33.5 | 32.6 | 31.8 | 30.9 | 30.1 |
| 77 | 38.0 | 37.1 | 36.2 | 35.3 | 34.4 | 33.5 | 32.6 | 31.7 | 30.8 | 30.0 |
| 78 | 38.0 | 37.0 | 36.1 | 35.2 | 34.3 | 33.4 | 32.5 | 31.7 | 30.8 | 29.9 |
| 79 | 37.9 | 37.0 | 36.1 | 35.2 | 34.3 | 33.4 | 32.5 | 31.6 | 30.7 | 29.9 |
| 80 | 37.9 | 37.0 | 36.1 | 35.2 | 34.2 | 33.4 | 32.5 | 31.6 | 30.7 | 29.8 |
| 81 | 37.9 | 37.0 | 36.0 | 35.1 | 34.2 | 33.3 | 32.4 | 31.5 | 30.7 | 29.8 |
| 82 | 37.9 | 36.9 | 36.0 | 35.1 | 34.2 | 33.3 | 32.4 | 31.5 | 30.6 | 29.7 |
| 83 | 37.9 | 36.9 | 36.0 | 35.1 | 34.2 | 33.3 | 32.4 | 31.5 | 30.6 | 29.7 |
| 84 | 37.8 | 36.9 | 36.9 | 35.0 | 34.2 | 33.2 | 32.3 | 31.4 | 30.6 | 29.7 |
| 85 | 37.8 | 36.9 | 36.0 | 35.1 | 34.1 | 33.2 | 32.3 | 31.4 | 30.5 | 29.6 |
| 86 | 38.8 | 36.9 | 36.0 | 35.0 | 34.1 | 33.2 | 32.3 | 31.4 | 30.5 | 29.6 |
| 87 | 37.8 | 36.9 | 35.9 | 35.0 | 34.1 | 33.2 | 32.3 | 31.4 | 30.5 | 29.6 |
| 88 | 37.8 | 36.9 | 35.9 | 35.0 | 34.1 | 33.2 | 32.3 | 31.4 | 30.5 | 29.6 |
| 89 | 37.8 | 36.9 | 35.9 | 35.0 | 34.1 | 33.2 | 32.3 | 31.4 | 30.5 | 29.6 |
| 90 | 37.8 | 36.9 | 35.9 | 35.0 | 34.1 | 33.2 | 32.3 | 31.3 | 30.5 | 29.6 |
| 91 | 37.8 | 36.8 | 35.9 | 35.0 | 34.1 | 33.2 | 32.2 | 31.3 | 30.4 | 29.5 |
| 92 | 37.8 | 36.8 | 35.9 | 35.0 | 34.1 | 33.2 | 32.2 | 31.3 | 30.4 | 29.5 |
| 93 | 37.8 | 36.8 | 35.9 | 35.0 | 34.1 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 94 | 37.8 | 36.8 | 35.9 | 35.0 | 34.1 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 95 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 96 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 97 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 98 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 99 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 101 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 102 | 37.8 | 36.8 | 35.9 | 35.0 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 103 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 104 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 105 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 106 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 107 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 108 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 109 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 110 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 111 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 112 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 113 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 114 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |
| 115 | 37.7 | 36.8 | 35.9 | 34.9 | 34.0 | 33.1 | 32.2 | 31.3 | 30.4 | 29.5 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 55 | 34.4 | 33.9 | 33.5 | 33.1 | 32.7 | 32.3 | 32.0 | 31.7 | 31.4 | 31.1 |
| 56 | 33.9 | 33.4 | 33.0 | 32.5 | 32.1 | 31.7 | 31.4 | 31.0 | 30.7 | 30.4 |
| 57 | 33.5 | 33.0 | 32.5 | 32.0 | 31.6 | 31.2 | 30.8 | 30.4 | 30.1 | 29.8 |
| 58 | 33.1 | 32.5 | 32.0 | 31.5 | 31.1 | 30.6 | 30.2 | 29.9 | 29.5 | 29.2 |
| 59 | 32.7 | 32.1 | 31.6 | 31.1 | 30.6 | 30.1 | 29.7 | 29.3 | 28.9 | 28.6 |
| 60 | 32.3 | 31.7 | 31.2 | 30.6 | 30.1 | 29.7 | 29.2 | 28.8 | 28.4 | 28.0 |
| 61 | 32.0 | 31.4 | 30.8 | 30.2 | 29.7 | 29.2 | 28.7 | 28.3 | 27.8 | 27.4 |
| 62 | 31.7 | 31.0 | 30.4 | 29.9 | 29.3 | 28.8 | 28.3 | 27.8 | 27.3 | 26.9 |
| 63 | 31.4 | 30.7 | 30.1 | 29.5 | 28.9 | 28.4 | 27.8 | 27.3 | 26.9 | 26.4 |
| 64 | 31.1 | 30.4 | 29.8 | 29.2 | 28.6 | 28.0 | 27.4 | 26.9 | 26.4 | 25.9 |
| 65 | 30.9 | 30.2 | 29.5 | 28.9 | 28.2 | 27.6 | 27.1 | 26.5 | 26.0 | 25.5 |
| 66 | 30.6 | 29.9 | 29.2 | 28.6 | 27.9 | 27.3 | 26.7 | 26.1 | 25.6 | 25.1 |
| 67 | 30.4 | 29.7 | 29.0 | 28.3 | 27.6 | 27.0 | 26.4 | 25.8 | 25.2 | 24.7 |
| 68 | 30.2 | 29.5 | 28.8 | 28.1 | 27.4 | 26.7 | 26.1 | 25.5 | 24.9 | 24.3 |
| 69 | 30.1 | 29.3 | 28.6 | 27.8 | 27.1 | 26.5 | 25.8 | 25.2 | 24.6 | 24.0 |
| 70 | 29.9 | 29.1 | 28.4 | 27.6 | 26.9 | 26.2 | 25.6 | 24.9 | 24.3 | 23.7 |
| 71 | 29.7 | 29.0 | 28.2 | 27.5 | 26.7 | 26.0 | 25.3 | 24.7 | 24.0 | 23.4 |
| 72 | 29.6 | 28.8 | 28.1 | 27.3 | 26.5 | 25.8 | 25.1 | 24.4 | 23.8 | 23.1 |
| 73 | 29.5 | 28.7 | 27.9 | 27.1 | 26.4 | 25.6 | 24.9 | 24.2 | 23.5 | 22.9 |
| 74 | 29.4 | 28.6 | 27.8 | 27.0 | 26.2 | 25.5 | 24.7 | 24.0 | 23.3 | 22.7 |
| 75 | 29.3 | 28.5 | 27.7 | 26.9 | 26.1 | 25.3 | 24.6 | 23.8 | 23.1 | 22.4 |
| 76 | 29.2 | 28.4 | 27.6 | 26.8 | 26.0 | 25.2 | 24.4 | 23.7 | 23.0 | 22.3 |
| 77 | 29.1 | 28.3 | 27.5 | 26.7 | 25.9 | 25.1 | 24.3 | 23.6 | 22.8 | 22.1 |
| 78 | 29.1 | 28.2 | 27.4 | 26.6 | 25.8 | 25.0 | 24.2 | 23.4 | 22.7 | 21.9 |
| 79 | 29.0 | 28.2 | 27.3 | 26.5 | 25.7 | 24.9 | 24.1 | 23.3 | 22.6 | 21.8 |
| 80 | 29.0 | 28.1 | 27.3 | 26.4 | 25.6 | 24.8 | 24.0 | 23.2 | 22.4 | 21.7 |
| 81 | 28.9 | 28.1 | 27.2 | 26.4 | 25.5 | 24.7 | 23.9 | 23.1 | 22.3 | 21.6 |
| 82 | 28.9 | 28.0 | 27.2 | 26.3 | 25.5 | 24.6 | 23.8 | 23.0 | 22.3 | 21.5 |
| 83 | 28.8 | 28.0 | 27.1 | 26.3 | 25.4 | 24.6 | 23.8 | 23.0 | 22.2 | 21.4 |
| 84 | 28.8 | 27.9 | 27.1 | 26.2 | 25.4 | 24.5 | 23.7 | 22.9 | 22.1 | 21.3 |
| 85 | 28.8 | 27.9 | 27.0 | 26.2 | 25.3 | 24.5 | 23.7 | 22.8 | 22.0 | 21.3 |
| 86 | 28.7 | 27.9 | 27.0 | 26.1 | 25.3 | 24.5 | 23.6 | 22.8 | 22.0 | 21.2 |
| 87 | 28.7 | 27.8 | 27.0 | 26.1 | 25.3 | 24.4 | 23.6 | 22.8 | 21.9 | 21.1 |
| 88 | 28.7 | 27.8 | 27.0 | 26.1 | 25.2 | 24.4 | 23.5 | 22.7 | 21.9 | 21.1 |
| 89 | 28.7 | 27.8 | 26.9 | 26.1 | 25.2 | 24.4 | 23.5 | 22.7 | 21.9 | 21.1 |
| 90 | 28.7 | 27.8 | 26.9 | 26.1 | 25.2 | 24.3 | 23.5 | 22.7 | 21.8 | 21.0 |
| 91 | 28.7 | 27.8 | 26.9 | 26.0 | 25.2 | 24.3 | 23.5 | 22.6 | 21.8 | 21.0 |
| 92 | 28.6 | 27.8 | 26.9 | 26.0 | 25.2 | 24.3 | 23.5 | 22.6 | 21.8 | 21.0 |
| 93 | 28.6 | 27.8 | 26.9 | 26.0 | 25.1 | 24.3 | 23.4 | 22.6 | 21.8 | 20.9 |
| 94 | 28.6 | 27.7 | 26.9 | 26.0 | 25.1 | 24.3 | 23.4 | 22.6 | 21.7 | 20.9 |
| 95 | 28.6 | 27.7 | 26.9 | 26.0 | 25.1 | 24.3 | 23.4 | 22.6 | 21.7 | 20.9 |
| 96 | 28.6 | 27.7 | 26.9 | 26.0 | 25.1 | 24.2 | 23.4 | 22.6 | 21.7 | 20.9 |
| 97 | 28.6 | 27.7 | 26.8 | 26.0 | 25.1 | 24.2 | 23.4 | 22.5 | 21.7 | 20.9 |
| 98 | 28.6 | 27.7 | 26.8 | 26.0 | 25.1 | 24.2 | 23.4 | 22.5 | 21.7 | 20.9 |
| 99 | 28.6 | 27.7 | 26.8 | 26.0 | 25.1 | 24.2 | 23.4 | 22.5 | 21.7 | 20.9 |
| 100 | 28.6 | 27.7 | 26.8 | 26.0 | 25.1 | 24.2 | 23.4 | 22.5 | 21.7 | 20.8 |
| 101 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.4 | 22.5 | 21.7 | 20.8 |
| 102 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.7 | 20.8 |
| 103 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.7 | 20.8 |
| 104 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 105 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 106 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 107 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 108 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 109 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 110 | 28.6 | 27.7 | 26.8 | 25.9 | 25.1 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 111 | 28.6 | 27.7 | 26.8 | 25.9 | 25.0 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 112 | 28.6 | 27.7 | 26.8 | 25.9 | 25.0 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 113 | 28.6 | 27.7 | 26.8 | 25.9 | 25.0 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 114 | 28.6 | 27.7 | 26.8 | 25.9 | 25.0 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |
| 115 | 28.6 | 27.7 | 26.8 | 25.9 | 25.0 | 24.2 | 23.3 | 22.5 | 21.6 | 20.8 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 65 | 25.0 | 24.6 | 24.2 | 23.8 | 23.4 | 23.1 | 22.8 | 22.5 | 22.2 | 22.0 |
| 66 | 24.6 | 24.1 | 23.7 | 23.3 | 22.9 | 22.5 | 22.2 | 21.9 | 21.6 | 21.4 |
| 67 | 24.2 | 23.7 | 23.2 | 22.8 | 22.4 | 22.0 | 21.7 | 21.3 | 21.0 | 20.8 |
| 68 | 23.8 | 23.3 | 22.8 | 22.3 | 21.9 | 21.5 | 21.2 | 20.8 | 20.5 | 20.2 |
| 69 | 23.4 | 22.9 | 22.4 | 21.9 | 21.5 | 21.1 | 20.7 | 20.3 | 20.0 | 19.6 |
| 70 | 23.1 | 22.5 | 22.0 | 21.5 | 21.1 | 20.6 | 20.2 | 19.8 | 19.4 | 19.1 |
| 71 | 22.8 | 22.2 | 21.7 | 21.2 | 20.7 | 20.2 | 19.8 | 19.4 | 19.0 | 18.6 |
| 72 | 22.5 | 21.9 | 21.3 | 20.8 | 20.3 | 19.8 | 19.4 | 18.9 | 18.5 | 18.2 |
| 73 | 22.2 | 21.6 | 21.0 | 20.5 | 20.0 | 19.4 | 19.0 | 18.5 | 18.1 | 17.7 |
| 74 | 22.0 | 21.4 | 20.8 | 20.2 | 19.6 | 19.1 | 18.6 | 18.2 | 17.7 | 17.3 |
| 75 | 21.8 | 21.1 | 20.5 | 19.9 | 19.3 | 18.8 | 18.3 | 17.8 | 17.3 | 16.9 |
| 76 | 21.6 | 20.9 | 20.3 | 19.7 | 19.1 | 18.5 | 18.0 | 17.5 | 17.0 | 16.5 |
| 77 | 21.4 | 20.7 | 20.1 | 19.4 | 18.8 | 18.3 | 17.7 | 17.2 | 16.7 | 16.2 |
| 78 | 21.2 | 20.5 | 19.9 | 19.2 | 18.6 | 18.0 | 17.5 | 16.9 | 16.4 | 15.9 |
| 79 | 21.1 | 20.4 | 19.7 | 19.0 | 18.4 | 17.8 | 17.2 | 16.7 | 16.1 | 15.6 |
| 80 | 21.0 | 20.2 | 19.5 | 18.9 | 18.2 | 17.6 | 17.0 | 16.4 | 15.9 | 15.4 |
| 81 | 20.8 | 20.1 | 19.4 | 18.7 | 18.1 | 17.4 | 16.8 | 16.2 | 15.7 | 15.1 |
| 82 | 20.7 | 20.0 | 19.3 | 18.6 | 17.9 | 17.3 | 16.6 | 16.0 | 15.5 | 14.9 |
| 83 | 20.6 | 19.9 | 19.2 | 18.5 | 17.8 | 17.1 | 16.5 | 15.9 | 15.3 | 14.7 |
| 84 | 20.5 | 19.8 | 19.1 | 18.4 | 17.7 | 17.0 | 16.3 | 15.7 | 15.1 | 14.5 |
| 85 | 20.5 | 19.7 | 19.0 | 18.3 | 17.6 | 16.9 | 16.2 | 15.6 | 15.0 | 14.4 |
| 86 | 20.4 | 19.6 | 18.9 | 18.2 | 17.5 | 16.8 | 16.1 | 15.5 | 14.8 | 14.2 |
| 87 | 20.4 | 19.6 | 18.8 | 18.1 | 17.4 | 16.7 | 16.0 | 15.4 | 14.7 | 14.1 |
| 88 | 20.3 | 19.5 | 18.8 | 18.0 | 17.3 | 16.6 | 15.9 | 15.3 | 14.6 | 14.0 |
| 89 | 20.3 | 19.5 | 18.7 | 18.0 | 17.2 | 16.5 | 15.8 | 15.2 | 14.5 | 13.9 |
| 90 | 20.2 | 19.4 | 18.7 | 17.9 | 17.2 | 16.5 | 15.8 | 15.1 | 14.5 | 13.8 |
| 91 | 20.2 | 19.4 | 18.6 | 17.9 | 17.1 | 16.4 | 15.7 | 15.0 | 14.4 | 13.7 |
| 92 | 20.2 | 19.4 | 18.6 | 17.8 | 17.1 | 16.4 | 15.7 | 15.0 | 14.3 | 13.7 |
| 93 | 20.1 | 19.3 | 18.6 | 17.8 | 17.1 | 16.3 | 15.6 | 14.9 | 14.3 | 13.6 |
| 94 | 20.1 | 19.3 | 18.5 | 17.8 | 17.0 | 16.3 | 15.6 | 14.9 | 14.2 | 13.6 |
| 95 | 20.1 | 19.3 | 18.5 | 17.8 | 17.0 | 16.3 | 15.6 | 14.9 | 14.2 | 13.5 |
| 96 | 20.1 | 19.3 | 18.5 | 17.7 | 17.0 | 16.2 | 15.5 | 14.8 | 14.2 | 13.5 |
| 97 | 20.1 | 19.3 | 18.5 | 17.7 | 17.0 | 16.2 | 15.5 | 14.8 | 14.1 | 13.5 |
| 98 | 20.1 | 19.3 | 18.5 | 17.7 | 16.9 | 16.2 | 15.5 | 14.8 | 14.1 | 13.4 |
| 99 | 20.0 | 19.2 | 18.5 | 17.7 | 16.9 | 16.2 | 15.5 | 14.7 | 14.1 | 13.4 |
| 100 | 20.0 | 19.2 | 18.4 | 17.7 | 16.9 | 16.2 | 15.4 | 14.7 | 14.0 | 13.4 |
| 101 | 20.0 | 19.2 | 18.4 | 17.7 | 16.9 | 16.1 | 15.4 | 14.7 | 14.0 | 13.3 |
| 102 | 20.0 | 19.2 | 18.4 | 17.6 | 16.9 | 16.1 | 15.4 | 14.7 | 14.0 | 13.3 |
| 103 | 20.0 | 19.2 | 18.4 | 17.6 | 16.9 | 16.1 | 15.4 | 14.7 | 14.0 | 13.3 |
| 104 | 20.0 | 19.2 | 18.4 | 17.6 | 16.9 | 16.1 | 15.4 | 14.7 | 14.0 | 13.3 |
| 105 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.4 | 14.6 | 13.9 | 13.3 |
| 106 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.3 | 14.6 | 13.9 | 13.3 |
| 107 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.3 | 14.6 | 13.9 | 13.2 |
| 108 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.3 | 14.6 | 13.9 | 13.2 |
| 109 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.3 | 14.6 | 13.9 | 13.2 |
| 110 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.1 | 15.3 | 14.6 | 13.9 | 13.2 |
| 111 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.0 | 15.3 | 14.6 | 13.9 | 13.2 |
| 112 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.0 | 15.3 | 14.6 | 13.9 | 13.2 |
| 113 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.0 | 15.3 | 14.6 | 13.9 | 13.2 |
| 114 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.0 | 15.3 | 14.6 | 13.9 | 13.2 |
| 115 | 20.0 | 19.2 | 18.4 | 17.6 | 16.8 | 16.0 | 15.3 | 14.6 | 13.9 | 13.2 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 75 | 16.5 | 16.1 | 15.8 | 15.4 | 15.1 | 14.9 | 14.6 | 14.4 | 14.2 | 14.0 |
| 76 | 16.1 | 15.7 | 15.4 | 15.0 | 14.7 | 14.4 | 14.1 | 13.9 | 13.7 | 13.5 |
| 77 | 15.8 | 15.4 | 15.0 | 14.6 | 14.3 | 14.0 | 13.7 | 13.4 | 13.2 | 13.0 |
| 78 | 15.4 | 15.0 | 14.6 | 14.2 | 13.9 | 13.5 | 13.2 | 13.0 | 12.7 | 12.5 |
| 79 | 15.1 | 14.7 | 14.3 | 13.9 | 13.5 | 13.2 | 12.8 | 12.5 | 12.3 | 12.0 |
| 80 | 14.9 | 14.4 | 14.0 | 13.5 | 13.2 | 12.8 | 12.5 | 12.2 | 11.9 | 11.6 |
| 81 | 14.6 | 14.1 | 13.7 | 13.2 | 12.8 | 12.5 | 12.1 | 11.8 | 11.5 | 11.2 |
| 82 | 14.4 | 13.9 | 13.4 | 13.0 | 12.5 | 12.2 | 11.8 | 11.5 | 11.1 | 10.9 |
| 83 | 14.2 | 13.7 | 13.2 | 12.7 | 12.3 | 11.9 | 11.5 | 11.1 | 10.8 | 10.5 |
| 84 | 14.0 | 13.5 | 13.0 | 12.5 | 12.0 | 11.6 | 11.2 | 10.9 | 10.5 | 10.2 |
| 85 | 13.8 | 13.3 | 12.8 | 12.3 | 11.8 | 11.4 | 11.0 | 10.6 | 10.2 | 9.9 |
| 86 | 13.7 | 13.1 | 12.6 | 12.1 | 11.6 | 11.2 | 10.8 | 10.4 | 10.0 | 9.7 |
| 87 | 13.5 | 13.0 | 12.4 | 11.9 | 11.4 | 11.0 | 10.6 | 10.1 | 9.8 | 9.4 |
| 88 | 13.4 | 12.8 | 12.3 | 11.8 | 11.3 | 10.8 | 10.4 | 10.0 | 9.6 | 9.2 |
| 89 | 13.3 | 12.7 | 12.2 | 11.6 | 11.1 | 10.7 | 10.2 | 9.8 | 9.4 | 9.0 |
| 90 | 13.2 | 12.6 | 12.1 | 11.5 | 11.0 | 10.5 | 10.1 | 9.6 | 9.2 | 8.8 |
| 91 | 13.1 | 12.5 | 12.0 | 11.4 | 10.9 | 10.4 | 9.9 | 9.5 | 9.1 | 8.7 |
| 92 | 13.1 | 12.5 | 11.9 | 11.3 | 10.8 | 10.3 | 9.8 | 9.4 | 8.9 | 8.5 |
| 93 | 13.0 | 12.4 | 11.8 | 11.3 | 10.7 | 10.2 | 9.7 | 9.3 | 8.8 | 8.4 |
| 94 | 12.9 | 12.3 | 11.7 | 11.2 | 10.6 | 10.1 | 9.6 | 9.2 | 8.7 | 8.3 |
| 95 | 12.9 | 12.3 | 11.7 | 11.1 | 10.6 | 10.1 | 9.6 | 9.1 | 8.6 | 8.2 |
| 96 | 12.9 | 12.2 | 11.6 | 11.1 | 10.5 | 10.0 | 9.5 | 9.0 | 8.5 | 8.1 |
| 97 | 12.8 | 12.2 | 11.6 | 11.0 | 10.5 | 9.9 | 9.4 | 8.9 | 8.5 | 8.0 |
| 98 | 12.8 | 12.2 | 11.5 | 11.0 | 10.4 | 9.9 | 9.4 | 8.9 | 8.4 | 8.0 |
| 99 | 12.7 | 12.1 | 11.5 | 10.9 | 10.4 | 9.8 | 9.3 | 8.8 | 8.3 | 7.9 |
| 100 | 12.7 | 12.1 | 11.5 | 10.9 | 10.3 | 9.8 | 9.2 | 8.7 | 8.3 | 7.8 |
| 101 | 12.7 | 12.1 | 11.4 | 10.8 | 10.3 | 9.7 | 9.2 | 8.7 | 8.2 | 7.8 |
| 102 | 12.7 | 12.0 | 11.4 | 10.8 | 10.2 | 9.7 | 9.2 | 8.7 | 8.2 | 7.7 |
| 103 | 12.6 | 12.0 | 11.4 | 10.8 | 10.2 | 9.7 | 9.1 | 8.6 | 8.1 | 7.7 |
| 104 | 12.6 | 12.0 | 11.4 | 10.8 | 10.2 | 9.6 | 9.1 | 8.6 | 8.1 | 7.6 |
| 105 | 12.6 | 12.0 | 11.3 | 10.7 | 10.2 | 9.6 | 9.1 | 8.5 | 8.0 | 7.6 |
| 106 | 12.6 | 11.9 | 11.3 | 10.7 | 10.1 | 9.6 | 9.0 | 8.5 | 8.0 | 7.5 |
| 107 | 12.6 | 11.9 | 11.3 | 10.7 | 10.1 | 9.6 | 9.0 | 8.5 | 8.0 | 7.5 |
| 108 | 12.6 | 11.9 | 11.3 | 10.7 | 10.1 | 9.5 | 9.0 | 8.5 | 8.0 | 7.5 |
| 109 | 12.6 | 11.9 | 11.3 | 10.7 | 10.1 | 9.5 | 9.0 | 8.4 | 7.9 | 7.5 |
| 110 | 12.6 | 11.9 | 11.3 | 10.7 | 10.1 | 9.5 | 9.0 | 8.4 | 7.9 | 7.4 |
| 111 | 12.5 | 11.9 | 11.3 | 10.7 | 10.1 | 9.5 | 8.9 | 8.4 | 7.9 | 7.4 |
| 112 | 12.5 | 11.9 | 11.3 | 10.6 | 10.1 | 9.5 | 8.9 | 8.4 | 7.9 | 7.4 |
| 113 | 12.5 | 11.9 | 11.2 | 10.6 | 10.0 | 9.5 | 8.9 | 8.4 | 7.9 | 7.4 |
| 114 | 12.5 | 11.9 | 11.2 | 10.6 | 10.0 | 9.5 | 8.9 | 8.4 | 7.9 | 7.4 |
| 115 | 12.5 | 11.9 | 11.2 | 10.6 | 10.0 | 9.5 | 8.9 | 8.4 | 7.9 | 7.4 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 85 | 9.6 | 9.3 | 9.1 | 8.9 | 8.7 | 8.5 | 8.3 | 8.2 | 8.0 | 7.9 |
| 86 | 9.3 | 9.1 | 8.8 | 8.6 | 8.3 | 8.2 | 8.0 | 7.8 | 7.7 | 7.6 |
| 87 | 9.1 | 8.8 | 8.5 | 8.3 | 8.1 | 7.9 | 7.7 | 7.5 | 7.4 | 7.2 |
| 88 | 8.9 | 8.6 | 8.3 | 8.0 | 7.8 | 7.6 | 7.4 | 7.2 | 7.1 | 6.9 |
| 89 | 8.7 | 8.3 | 8.1 | 7.8 | 7.5 | 7.3 | 7.1 | 6.9 | 6.8 | 6.6 |
| 90 | 8.5 | 8.2 | 7.9 | 7.6 | 7.3 | 7.1 | 6.9 | 6.7 | 6.5 | 6.4 |
| 91 | 8.3 | 8.0 | 7.7 | 7.4 | 7.1 | 6.9 | 6.7 | 6.5 | 6.3 | 6.2 |
| 92 | 8.2 | 7.8 | 7.5 | 7.2 | 6.9 | 6.7 | 6.5 | 6.3 | 6.1 | 5.9 |
| 93 | 8.0 | 7.7 | 7.4 | 7.1 | 6.8 | 6.5 | 6.3 | 6.1 | 5.9 | 5.8 |
| 94 | 7.9 | 7.6 | 7.2 | 6.9 | 6.6 | 6.4 | 6.2 | 5.9 | 5.8 | 5.6 |
| 95 | 7.8 | 7.5 | 7.1 | 6.8 | 6.5 | 6.3 | 6.0 | 5.8 | 5.6 | 5.4 |
| 96 | 7.7 | 7.3 | 7.0 | 6.7 | 6.4 | 6.1 | 5.9 | 5.7 | 5.5 | 5.3 |
| 97 | 7.6 | 7.3 | 6.9 | 6.6 | 6.3 | 6.0 | 5.8 | 5.5 | 5.3 | 5.1 |
| 98 | 7.6 | 7.2 | 6.8 | 6.5 | 6.2 | 5.9 | 5.6 | 5.4 | 5.2 | 5.0 |
| 99 | 7.5 | 7.1 | 6.7 | 6.4 | 6.1 | 5.8 | 5.5 | 5.3 | 5.1 | 4.9 |
| 100 | 7.4 | 7.0 | 6.6 | 6.3 | 6.0 | 5.7 | 5.4 | 5.2 | 5.0 | 4.8 |
| 101 | 7.3 | 6.9 | 6.6 | 6.2 | 5.9 | 5.6 | 5.3 | 5.1 | 4.9 | 4.7 |
| 102 | 7.3 | 6.9 | 6.5 | 6.2 | 5.8 | 5.5 | 5.3 | 5.0 | 4.8 | 4.6 |
| 103 | 7.2 | 6.8 | 6.4 | 6.1 | 5.8 | 5.5 | 5.2 | 4.9 | 4.7 | 4.5 |
| 104 | 7.2 | 6.8 | 6.4 | 6.0 | 5.7 | 5.4 | 5.1 | 4.8 | 4.6 | 4.4 |
| 105 | 7.1 | 6.7 | 6.3 | 6.0 | 5.6 | 5.3 | 5.0 | 4.8 | 4.5 | 4.3 |
| 106 | 7.1 | 6.7 | 6.3 | 5.9 | 5.6 | 5.3 | 5.0 | 4.7 | 4.5 | 4.2 |
| 107 | 7.1 | 6.6 | 6.2 | 5.9 | 5.5 | 5.2 | 4.9 | 4.6 | 4.4 | 4.2 |
| 108 | 7.0 | 6.6 | 6.2 | 5.8 | 5.5 | 5.2 | 4.9 | 4.6 | 4.3 | 4.1 |
| 109 | 7.0 | 6.6 | 6.2 | 5.8 | 5.5 | 5.1 | 4.8 | 4.5 | 4.3 | 4.1 |
| 110 | 7.0 | 6.6 | 6.2 | 5.8 | 5.4 | 5.1 | 4.8 | 4.5 | 4.3 | 4.0 |
| 111 | 7.0 | 6.5 | 6.1 | 5.7 | 5.4 | 5.1 | 4.8 | 4.5 | 4.2 | 4.0 |
| 112 | 7.0 | 6.5 | 6.1 | 5.7 | 5.4 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 |
| 113 | 6.9 | 6.5 | 6.1 | 5.7 | 5.4 | 5.0 | 4.7 | 4.4 | 4.2 | 3.9 |
| 114 | 6.9 | 6.5 | 6.1 | 5.7 | 5.3 | 5.0 | 4.7 | 4.4 | 4.1 | 3.9 |
| 115 | 6.9 | 6.5 | 6.1 | 5.7 | 5.3 | 5.0 | 4.7 | 4.4 | 4.1 | 3.9 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 95 | 5.3 | 5.1 | 5.0 | 4.8 | 4.7 | 4.6 | 4.5 | 4.4 | 4.3 | 4.2 |
| 96 | 5.1 | 5.0 | 4.8 | 4.7 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 |
| 97 | 5.0 | 4.8 | 4.7 | 4.5 | 4.4 | 4.3 | 4.1 | 4.0 | 3.9 | 3.8 |
| 98 | 4.8 | 4.7 | 4.5 | 4.4 | 4.2 | 4.1 | 4.0 | 3.9 | 3.8 | 3.7 |
| 99 | 4.7 | 4.5 | 4.4 | 4.2 | 4.1 | 4.0 | 3.8 | 3.7 | 3.6 | 3.5 |
| 100 | 4.6 | 4.4 | 4.3 | 4.1 | 4.0 | 3.8 | 3.7 | 3.6 | 3.5 | 3.3 |
| 101 | 4.5 | 4.3 | 4.1 | 4.0 | 3.8 | 3.7 | 3.6 | 3.4 | 3.3 | 3.2 |
| 102 | 4.4 | 4.2 | 4.0 | 3.9 | 3.7 | 3.6 | 3.4 | 3.3 | 3.2 | 3.1 |
| 103 | 4.3 | 4.1 | 3.9 | 3.8 | 3.6 | 3.5 | 3.3 | 3.2 | 3.0 | 2.9 |
| 104 | 4.2 | 4.0 | 3.8 | 3.7 | 3.5 | 3.3 | 3.2 | 3.1 | 2.9 | 2.8 |
| 105 | 4.1 | 3.9 | 3.7 | 3.6 | 3.4 | 3.2 | 3.1 | 2.9 | 2.8 | 2.7 |
| 106 | 4.0 | 3.8 | 3.6 | 3.5 | 3.3 | 3.1 | 3.0 | 2.8 | 2.7 | 2.5 |
| 107 | 4.0 | 3.8 | 3.6 | 3.4 | 3.2 | 3.1 | 2.9 | 2.7 | 2.6 | 2.4 |
| 108 | 3.9 | 3.7 | 3.5 | 3.3 | 3.1 | 3.0 | 2.8 | 2.7 | 2.5 | 2.3 |
| 109 | 3.8 | 3.6 | 3.4 | 3.3 | 3.1 | 2.9 | 2.7 | 2.6 | 2.4 | 2.3 |
| 110 | 3.8 | 3.6 | 3.4 | 3.2 | 3.0 | 2.8 | 2.7 | 2.5 | 2.3 | 2.2 |
| 111 | 3.8 | 3.5 | 3.3 | 3.2 | 3.0 | 2.8 | 2.6 | 2.4 | 2.3 | 2.1 |
| 112 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.8 | 2.6 | 2.4 | 2.2 | 2.1 |
| 113 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.4 | 2.2 | 2.0 |
| 114 | 3.7 | 3.5 | 3.3 | 3.1 | 2.9 | 2.7 | 2.5 | 2.3 | 2.1 | 2.0 |
| 115 | 3.7 | 3.4 | 3.2 | 3.0 | 2.8 | 2.7 | 2.5 | 2.3 | 2.1 | 1.9 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 105 | 2.5 | 2.4 | 2.3 | 2.2 | 2.1 | 2.0 | 2.0 | 1.9 | 1.8 | 1.8 | 1.8 |
| 106 | 2.4 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.7 | 1.7 | 1.6 | 1.6 |
| 107 | 2.3 | 2.2 | 2.1 | 1.9 | 1.8 | 1.7 | 1.7 | 1.6 | 1.5 | 1.5 | 1.4 |
| 108 | 2.2 | 2.1 | 1.9 | 1.8 | 1.7 | 1.6 | 1.5 | 1.5 | 1.4 | 1.3 | 1.3 |
| 109 | 2.1 | 2.0 | 1.8 | 1.7 | 1.6 | 1.5 | 1.4 | 1.3 | 1.3 | 1.2 | 1.1 |
| 110 | 2.0 | 1.9 | 1.7 | 1.6 | 1.5 | 1.4 | 1.3 | 1.2 | 1.1 | 1.1 | 1.0 |
| 111 | 2.0 | 1.8 | 1.7 | 1.5 | 1.4 | 1.3 | 1.2 | 1.1 | 1.0 | .9 | .9 |
| 112 | 1.9 | 1.7 | 1.6 | 1.5 | 1.3 | 1.2 | 1.1 | 1.0 | .9 | .8 | .8 |
| 113 | 1.8 | 1.7 | 1.5 | 1.4 | 1.3 | 1.1 | 1.0 | .9 | .8 | .7 | .7 |
| 114 | 1.8 | 1.6 | 1.5 | 1.3 | 1.2 | 1.1 | .9 | .8 | .7 | .6 | .6 |
| 115 | 1.8 | 1.6 | 1.4 | 1.3 | 1.1 | 1.0 | .9 | .8 | .7 | .6 | .5 |

Table VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples

| Ages | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 | 69.5 | 69.0 | 68.4 | 67.9 | 67.3 | 66.7 | 66.1 | 65.5 | 64.8 | 64.1 |
| 6 | 69.0 | 68.5 | 68.0 | 67.5 | 66.9 | 66.4 | 65.8 | 65.1 | 64.5 | 63.8 |
| 7 | 68.4 | 68.0 | 67.5 | 67.0 | 66.5 | 66.0 | 65.4 | 64.8 | 64.2 | 63.5 |
| 8 | 67.9 | 67.5 | 67.0 | 66.6 | 66.1 | 65.5 | 65.0 | 64.4 | 63.8 | 63.2 |
| 9 | 67.3 | 66.9 | 66.5 | 66.1 | 65.6 | 65.1 | 64.6 | 64.0 | 63.4 | 62.8 |
| 10 | 66.7 | 66.4 | 66.0 | 65.5 | 65.1 | 64.6 | 64.1 | 63.6 | 63.0 | 62.5 |
| 11 | 66.1 | 65.8 | 65.4 | 65.0 | 64.6 | 64.1 | 63.6 | 63.1 | 62.6 | 62.1 |
| 12 | 65.5 | 65.1 | 64.8 | 64.4 | 64.0 | 63.6 | 63.1 | 62.7 | 62.2 | 61.7 |
| 13 | 64.8 | 64.5 | 64.2 | 63.8 | 63.4 | 63.0 | 62.6 | 62.2 | 61.7 | 61.2 |
| 14 | 64.1 | 63.8 | 63.5 | 63.2 | 62.8 | 62.5 | 62.1 | 61.7 | 61.2 | 60.7 |
| 15 | 63.4 | 63.1 | 62.9 | 62.6 | 62.2 | 61.9 | 61.5 | 61.1 | 60.7 | 60.2 |
| 16 | 62.7 | 62.4 | 62.2 | 61.9 | 61.6 | 61.3 | 60.9 | 60.5 | 60.1 | 59.7 |
| 17 | 61.9 | 61.7 | 61.5 | 61.2 | 60.9 | 60.6 | 60.3 | 59.9 | 59.6 | 59.2 |
| 18 | 61.2 | 61.0 | 60.7 | 60.5 | 60.2 | 60.0 | 59.7 | 59.3 | 59.0 | 58.6 |
| 19 | 60.4 | 60.2 | 60.0 | 59.8 | 59.5 | 59.3 | 59.0 | 58.7 | 58.4 | 58.0 |
| 20 | 59.6 | 59.4 | 59.2 | 59.0 | 58.8 | 58.6 | 58.3 | 58.0 | 57.7 | 57.4 |
| 21 | 58.8 | 58.7 | 58.5 | 58.3 | 58.1 | 57.8 | 57.6 | 57.3 | 57.1 | 56.8 |
| 22 | 58.0 | 57.8 | 57.7 | 57.5 | 57.3 | 57.1 | 56.9 | 56.6 | 56.4 | 56.1 |
| 23 | 57.2 | 57.0 | 56.9 | 56.7 | 56.5 | 56.4 | 56.1 | 55.9 | 55.7 | 55.4 |
| 24 | 56.3 | 56.2 | 56.1 | 55.9 | 55.8 | 55.6 | 55.4 | 55.2 | 55.0 | 54.7 |
| 25 | 55.5 | 55.4 | 55.2 | 55.1 | 55.0 | 54.8 | 54.6 | 54.4 | 54.2 | 54.0 |
| 26 | 54.6 | 54.5 | 54.4 | 54.3 | 54.1 | 54.0 | 53.8 | 53.7 | 53.5 | 53.3 |
| 27 | 53.8 | 53.7 | 53.6 | 53.4 | 53.3 | 53.2 | 53.0 | 52.9 | 52.7 | 52.5 |
| 28 | 52.9 | 52.8 | 52.7 | 52.6 | 52.5 | 52.4 | 52.2 | 52.1 | 51.9 | 51.7 |
| 29 | 52.0 | 51.9 | 51.8 | 51.7 | 51.6 | 51.5 | 51.4 | 51.3 | 51.1 | 51.0 |
| 30 | 51.1 | 51.0 | 51.0 | 50.9 | 50.8 | 50.7 | 50.6 | 50.4 | 50.3 | 50.2 |
| 31 | 50.2 | 50.2 | 50.1 | 50.0 | 49.9 | 49.8 | 49.7 | 49.6 | 49.5 | 49.3 |
| 32 | 49.3 | 49.3 | 49.2 | 49.1 | 49.0 | 49.0 | 48.9 | 48.8 | 48.6 | 48.5 |
| 33 | 48.4 | 48.4 | 48.3 | 48.2 | 48.2 | 48.1 | 48.0 | 47.9 | 47.8 | 47.7 |
| 34 | 47.5 | 47.5 | 47.4 | 47.4 | 47.3 | 47.2 | 47.1 | 47.0 | 47.0 | 46.8 |
| 35 | 46.6 | 46.6 | 46.5 | 46.5 | 46.4 | 46.3 | 46.3 | 46.2 | 46.1 | 46.0 |
| 36 | 45.7 | 45.7 | 45.6 | 45.6 | 45.5 | 45.4 | 45.4 | 45.3 | 45.2 | 45.1 |
| 37 | 44.8 | 44.7 | 44.7 | 44.6 | 44.6 | 44.5 | 44.5 | 44.4 | 44.3 | 44.3 |
| 38 | 43.9 | 43.8 | 43.8 | 43.7 | 43.7 | 43.6 | 43.6 | 43.5 | 43.5 | 43.4 |
| 39 | 42.9 | 42.9 | 42.9 | 42.8 | 42.8 | 42.7 | 42.7 | 42.6 | 42.6 | 42.5 |
| 40 | 42.0 | 42.0 | 42.0 | 41.9 | 41.9 | 41.8 | 41.8 | 41.7 | 41.7 | 41.6 |
| 41 | 41.1 | 41.1 | 41.0 | 41.0 | 41.0 | 40.9 | 40.9 | 40.8 | 40.8 | 40.7 |
| 42 | 40.2 | 40.1 | 40.1 | 40.1 | 40.1 | 40.0 | 40.0 | 39.9 | 39.9 | 39.8 |
| 43 | 39.2 | 39.2 | 39.2 | 39.2 | 39.1 | 39.1 | 39.1 | 39.0 | 39.0 | 39.0 |
| 44 | 38.3 | 38.3 | 38.3 | 38.3 | 38.2 | 38.2 | 38.2 | 38.1 | 38.1 | 38.1 |
| 45 | 37.4 | 37.4 | 37.4 | 37.3 | 37.3 | 37.3 | 37.3 | 37.2 | 37.2 | 37.2 |
| 46 | 36.5 | 36.5 | 36.5 | 36.4 | 36.4 | 36.4 | 36.4 | 36.3 | 36.3 | 36.3 |
| 47 | 35.6 | 35.6 | 35.5 | 35.5 | 35.5 | 35.5 | 35.5 | 35.4 | 35.4 | 35.4 |
| 48 | 34.7 | 34.7 | 34.6 | 34.6 | 34.6 | 34.6 | 34.6 | 34.5 | 34.5 | 34.5 |
| 49 | 33.8 | 33.8 | 33.7 | 33.7 | 33.7 | 33.7 | 33.7 | 33.7 | 33.6 | 33.6 |
| 50 | 32.9 | 32.9 | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | 32.7 | 32.7 |
| 51 | 32.0 | 32.0 | 31.9 | 31.9 | 31.9 | 31.9 | 31.9 | 31.9 | 31.9 | 31.8 |
| 52 | 31.1 | 31.1 | 31.1 | 31.0 | 31.0 | 31.0 | 31.0 | 31.0 | 31.0 | 30.9 |
| 53 | 30.2 | 30.2 | 30.2 | 30.2 | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 |
| 54 | 29.3 | 29.3 | 29.3 | 29.3 | 29.3 | 29.2 | 29.2 | 29.2 | 29.2 | 29.2 |
| 55 | 28.4 | 28.4 | 28.4 | 28.4 | 28.4 | 28.4 | 28.4 | 28.3 | 28.3 | 28.3 |
| 56 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 | 27.5 |
| 57 | 26.7 | 26.7 | 26.7 | 26.6 | 26.6 | 26.6 | 26.6 | 26.6 | 26.6 | 26.6 |
| 58 | 25.8 | 25.8 | 25.8 | 25.8 | 25.8 | 25.8 | 25.8 | 25.7 | 25.7 | 25.7 |
| 59 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 | 24.9 |
| 60 | 24.1 | 24.1 | 24.1 | 24.1 | 24.1 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 |
| 61 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 | 23.2 |
| 62 | 22.4 | 22.4 | 22.4 | 22.4 | 22.4 | 22.4 | 22.3 | 22.3 | 22.3 | 22.3 |
| 63 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 |
| 64 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 |
| 65 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 |
| 66 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 |
| 67 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 |
| 68 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 |
| 69 | 16.8 | 16.8 | 16.8 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 |
| 70 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 |
| 71 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.2 |
| 72 | 14.6 | 14.6 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 |
| 73 | 13.9 | 13.9 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 |
| 74 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 |
| 75 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 |
| 76 | 11.9 | 11.9 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 |
| 77 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 |
| 78 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 |
| 79 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| 80 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.4 | 9.4 |
| 81 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 |
| 82 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 |
| 83 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 |
| 84 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 |
| 87 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.6 | 3.6 | 3.6 | 3.6 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 15 | 59.8 | 59.3 | 58.8 | 58.2 | 57.6 | 57.0 | 56.4 | 55.8 | 55.1 | 54.5 |
| 16 | 59.3 | 58.8 | 58.3 | 57.8 | 57.2 | 56.7 | 56.1 | 55.5 | 54.8 | 54.2 |
| 17 | 58.8 | 58.3 | 57.8 | 57.3 | 56.8 | 56.3 | 55.7 | 55.1 | 54.5 | 53.9 |
| 18 | 58.2 | 57.8 | 57.3 | 56.9 | 56.4 | 55.9 | 55.3 | 54.7 | 54.2 | 53.5 |
| 19 | 57.6 | 57.2 | 56.8 | 56.4 | 55.9 | 55.4 | 54.9 | 54.4 | 53.8 | 53.2 |
| 20 | 57.0 | 56.7 | 56.3 | 55.9 | 55.4 | 54.9 | 54.5 | 53.9 | 53.4 | 52.8 |
| 21 | 56.4 | 56.1 | 55.7 | 55.3 | 54.9 | 54.5 | 54.0 | 53.5 | 53.0 | 52.4 |
| 22 | 55.8 | 55.5 | 55.1 | 54.7 | 54.4 | 53.9 | 53.5 | 53.0 | 52.5 | 52.0 |
| 23 | 55.1 | 54.8 | 54.5 | 54.2 | 53.8 | 53.4 | 53.0 | 52.5 | 52.1 | 51.6 |
| 24 | 54.5 | 54.2 | 53.9 | 53.5 | 53.2 | 52.8 | 52.4 | 52.0 | 51.6 | 51.1 |
| 25 | 53.8 | 53.5 | 53.2 | 52.9 | 52.6 | 52.2 | 51.9 | 51.5 | 51.1 | 50.6 |
| 26 | 53.0 | 52.8 | 52.5 | 52.3 | 52.0 | 51.6 | 51.3 | 50.9 | 50.5 | 50.1 |
| 27 | 52.3 | 52.1 | 51.8 | 51.6 | 51.3 | 51.0 | 50.7 | 50.3 | 50.0 | 49.6 |
| 28 | 51.5 | 51.3 | 51.1 | 50.9 | 50.6 | 50.3 | 50.0 | 49.7 | 49.4 | 49.0 |
| 29 | 50.8 | 50.6 | 50.4 | 50.2 | 49.9 | 49.7 | 49.4 | 49.1 | 48.8 | 48.4 |
| 30 | 50.0 | 49.8 | 49.6 | 49.4 | 49.2 | 49.0 | 48.7 | 48.4 | 48.1 | 47.8 |
| 31 | 49.2 | 49.0 | 48.9 | 48.7 | 48.5 | 48.3 | 48.0 | 47.8 | 47.5 | 47.2 |
| 32 | 48.4 | 48.2 | 48.1 | 47.9 | 47.7 | 47.5 | 47.3 | 47.1 | 46.8 | 46.5 |
| 33 | 47.6 | 47.4 | 47.3 | 47.1 | 47.0 | 46.8 | 46.6 | 46.3 | 46.1 | 45.9 |
| 34 | 46.7 | 46.6 | 46.5 | 46.3 | 46.2 | 46.0 | 45.8 | 45.6 | 45.4 | 45.2 |
| 35 | 45.9 | 45.8 | 45.7 | 45.5 | 45.4 | 45.2 | 45.1 | 44.9 | 44.7 | 44.4 |
| 36 | 45.0 | 44.9 | 44.8 | 44.7 | 44.6 | 44.4 | 44.3 | 44.1 | 43.9 | 43.7 |
| 37 | 44.2 | 44.1 | 44.0 | 43.9 | 43.8 | 43.6 | 43.5 | 43.3 | 43.2 | 43.0 |
| 38 | 43.3 | 43.2 | 43.1 | 43.0 | 42.9 | 42.8 | 42.7 | 42.5 | 42.4 | 42.2 |
| 39 | 42.4 | 42.4 | 42.3 | 42.2 | 42.1 | 42.0 | 41.9 | 41.7 | 41.6 | 41.4 |
| 40 | 41.6 | 41.5 | 41.4 | 41.3 | 41.2 | 41.1 | 41.0 | 40.9 | 40.8 | 40.6 |
| 41 | 40.7 | 40.6 | 40.5 | 40.5 | 40.4 | 40.3 | 40.2 | 40.1 | 40.0 | 39.8 |
| 42 | 39.8 | 39.7 | 39.7 | 39.6 | 39.5 | 39.4 | 39.4 | 39.3 | 39.1 | 39.0 |
| 43 | 38.9 | 38.9 | 38.8 | 38.7 | 38.7 | 38.6 | 38.5 | 38.4 | 38.3 | 38.2 |
| 44 | 38.0 | 38.0 | 37.9 | 37.9 | 37.8 | 37.7 | 37.7 | 37.6 | 37.5 | 37.4 |
| 45 | 37.1 | 37.1 | 37.0 | 37.0 | 36.9 | 36.9 | 36.8 | 36.7 | 36.6 | 36.5 |
| 46 | 36.2 | 36.2 | 36.2 | 36.1 | 36.1 | 36.0 | 35.9 | 35.9 | 35.8 | 35.7 |
| 47 | 35.3 | 35.3 | 35.3 | 35.2 | 35.2 | 35.1 | 35.1 | 35.0 | 34.9 | 34.9 |
| 48 | 34.5 | 34.4 | 34.4 | 34.4 | 34.3 | 34.3 | 34.2 | 34.2 | 34.1 | 34.0 |
| 49 | 33.6 | 33.5 | 33.5 | 33.5 | 33.4 | 33.4 | 33.4 | 33.3 | 33.2 | 33.2 |
| 50 | 32.7 | 32.7 | 32.6 | 32.6 | 32.6 | 32.5 | 32.5 | 32.4 | 32.4 | 32.3 |
| 51 | 31.8 | 31.8 | 31.8 | 31.7 | 31.7 | 31.7 | 31.6 | 31.6 | 31.5 | 31.5 |
| 52 | 30.9 | 30.9 | 30.9 | 30.9 | 30.8 | 30.8 | 30.8 | 30.7 | 30.7 | 30.6 |
| 53 | 30.0 | 30.0 | 30.0 | 30.0 | 30.0 | 29.9 | 29.9 | 29.9 | 29.8 | 29.8 |
| 54 | 29.2 | 29.2 | 29.1 | 29.1 | 29.1 | 29.1 | 29.0 | 29.0 | 29.0 | 28.9 |
| 55 | 28.3 | 28.3 | 28.3 | 28.3 | 28.2 | 28.2 | 28.2 | 28.2 | 28.1 | 28.1 |
| 56 | 27.4 | 27.4 | 27.4 | 27.4 | 27.4 | 27.3 | 27.3 | 27.3 | 27.3 | 27.2 |
| 57 | 26.6 | 26.6 | 26.5 | 26.5 | 26.5 | 26.5 | 26.5 | 26.5 | 26.4 | 26.4 |
| 58 | 25.7 | 25.7 | 25.7 | 25.7 | 25.7 | 25.6 | 25.6 | 25.6 | 25.6 | 25.6 |
| 59 | 24.9 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.8 | 24.7 | 24.7 |
| 60 | 24.0 | 24.0 | 24.0 | 24.0 | 24.0 | 23.9 | 23.9 | 23.9 | 23.9 | 23.9 |
| 61 | 23.2 | 23.2 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | 23.0 |
| 62 | 22.3 | 22.3 | 22.3 | 22.3 | 22.3 | 22.3 | 22.3 | 22.2 | 22.2 | 22.2 |
| 63 | 21.5 | 21.5 | 21.5 | 21.5 | 21.5 | 21.4 | 21.4 | 21.4 | 21.4 | 21.4 |
| 64 | 20.7 | 20.7 | 20.7 | 20.6 | 20.6 | 20.6 | 20.6 | 20.6 | 20.6 | 20.6 |
| 65 | 19.9 | 19.8 | 19.8 | 19.8 | 19.8 | 19.8 | 19.8 | 19.8 | 19.8 | 19.8 |
| 66 | 19.1 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 |
| 67 | 18.3 | 18.3 | 18.3 | 18.3 | 18.2 | 18.2 | 18.2 | 18.2 | 18.2 | 18.2 |
| 68 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.5 | 17.4 | 17.4 |
| 69 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 | 16.7 |
| 70 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 15.9 | 15.9 | 15.9 | 15.9 |
| 71 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 |
| 72 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 |
| 73 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 |
| 74 | 13.2 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 |
| 75 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 |
| 76 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 |
| 77 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 |
| 78 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 |
| 79 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| 80 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 |
| 81 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 |
| 82 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 |
| 83 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.8 | 7.8 |
| 84 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 |
| 87 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 25 | 50.2 | 49.7 | 49.2 | 48.6 | 48.1 | 47.5 | 46.9 | 46.2 | 45.6 | 44.9 |
| 26 | 49.7 | 49.2 | 48.7 | 48.2 | 47.7 | 47.1 | 46.5 | 45.9 | 45.3 | 44.6 |
| 27 | 49.2 | 48.7 | 48.3 | 47.8 | 47.3 | 46.7 | 46.2 | 45.6 | 45.0 | 44.3 |
| 28 | 48.6 | 48.2 | 47.8 | 47.3 | 46.8 | 46.3 | 45.8 | 45.2 | 44.6 | 44.0 |
| 29 | 48.1 | 47.7 | 47.3 | 46.8 | 46.4 | 45.9 | 45.4 | 44.8 | 44.3 | 43.7 |
| 30 | 47.5 | 47.1 | 46.7 | 46.3 | 45.9 | 45.4 | 44.9 | 44.4 | 43.9 | 43.3 |
| 31 | 46.9 | 46.5 | 46.2 | 45.8 | 45.4 | 44.9 | 44.5 | 44.0 | 43.5 | 42.9 |
| 32 | 46.2 | 45.9 | 45.6 | 45.2 | 44.8 | 44.4 | 44.0 | 43.5 | 43.0 | 42.5 |
| 33 | 45.6 | 45.3 | 45.0 | 44.6 | 44.3 | 43.9 | 43.5 | 43.0 | 42.6 | 42.1 |
| 34 | 44.9 | 44.6 | 44.3 | 44.0 | 43.7 | 43.3 | 42.9 | 42.5 | 42.1 | 41.6 |
| 35 | 44.2 | 44.0 | 43.7 | 43.4 | 43.1 | 42.7 | 42.4 | 42.0 | 41.6 | 41.1 |
| 36 | 43.5 | 43.3 | 43.0 | 42.7 | 42.4 | 42.1 | 41.8 | 41.4 | 41.0 | 40.6 |
| 37 | 42.8 | 42.5 | 42.3 | 42.1 | 41.8 | 41.5 | 41.2 | 40.8 | 40.5 | 40.1 |
| 38 | 42.0 | 41.8 | 41.6 | 41.4 | 41.1 | 40.8 | 40.6 | 40.2 | 39.9 | 39.5 |
| 39 | 41.3 | 41.1 | 40.9 | 40.7 | 40.4 | 40.2 | 39.9 | 39.6 | 39.3 | 39.0 |
| 40 | 40.5 | 40.3 | 40.1 | 39.9 | 39.7 | 39.5 | 39.2 | 39.0 | 38.7 | 38.4 |
| 41 | 39.7 | 39.5 | 39.4 | 39.2 | 39.0 | 38.8 | 38.5 | 38.3 | 38.0 | 37.7 |
| 42 | 38.9 | 38.8 | 38.6 | 38.4 | 38.3 | 38.1 | 37.8 | 37.6 | 37.4 | 37.1 |
| 43 | 38.1 | 38.0 | 37.8 | 37.7 | 37.5 | 37.3 | 37.1 | 36.9 | 36.7 | 36.4 |
| 44 | 37.3 | 37.2 | 37.0 | 36.9 | 36.7 | 36.6 | 36.4 | 36.2 | 36.0 | 35.8 |
| 45 | 36.5 | 36.3 | 36.2 | 36.1 | 36.0 | 35.8 | 35.6 | 35.5 | 35.3 | 35.1 |
| 46 | 35.6 | 35.5 | 35.4 | 35.3 | 35.2 | 35.0 | 34.9 | 34.7 | 34.5 | 34.4 |
| 47 | 34.8 | 34.7 | 34.6 | 34.5 | 34.4 | 34.3 | 34.1 | 34.0 | 33.8 | 33.6 |
| 48 | 34.0 | 33.9 | 33.8 | 33.7 | 33.6 | 33.5 | 33.4 | 33.2 | 33.1 | 32.9 |
| 49 | 33.1 | 33.0 | 33.0 | 32.9 | 32.8 | 32.7 | 32.6 | 32.4 | 32.3 | 32.2 |
| 50 | 32.3 | 32.2 | 32.1 | 32.1 | 32.0 | 31.9 | 31.8 | 31.7 | 31.5 | 31.4 |
| 51 | 31.4 | 31.4 | 31.3 | 31.2 | 31.2 | 31.1 | 31.0 | 30.9 | 30.8 | 30.6 |
| 52 | 30.6 | 30.5 | 30.5 | 30.4 | 30.3 | 30.3 | 30.2 | 30.1 | 30.0 | 29.9 |
| 53 | 29.7 | 29.7 | 29.6 | 29.6 | 29.5 | 29.5 | 29.4 | 29.3 | 29.2 | 29.1 |
| 54 | 28.9 | 28.9 | 28.8 | 28.8 | 28.7 | 28.6 | 28.6 | 28.5 | 28.4 | 28.3 |
| 55 | 28.1 | 28.0 | 28.0 | 27.9 | 27.9 | 27.8 | 27.8 | 27.7 | 27.6 | 27.5 |
| 56 | 27.2 | 27.2 | 27.1 | 27.1 | 27.0 | 27.0 | 26.9 | 26.9 | 26.8 | 26.7 |
| 57 | 26.4 | 26.3 | 26.3 | 26.3 | 26.2 | 26.2 | 26.1 | 26.1 | 26.0 | 25.9 |
| 58 | 25.5 | 25.5 | 25.5 | 25.4 | 25.4 | 25.4 | 25.3 | 25.3 | 25.2 | 25.1 |
| 59 | 24.7 | 24.7 | 24.6 | 24.6 | 24.6 | 24.5 | 24.5 | 24.5 | 24.4 | 24.3 |
| 60 | 23.9 | 23.8 | 23.8 | 23.8 | 23.8 | 23.7 | 23.7 | 23.6 | 23.6 | 23.5 |
| 61 | 23.0 | 23.0 | 23.0 | 23.0 | 22.9 | 22.9 | 22.9 | 22.8 | 22.8 | 22.7 |
| 62 | 22.2 | 22.2 | 22.2 | 22.1 | 22.1 | 22.1 | 22.1 | 22.0 | 22.0 | 21.9 |
| 63 | 21.4 | 21.4 | 21.3 | 21.3 | 21.3 | 21.3 | 21.3 | 21.2 | 21.2 | 21.2 |
| 64 | 20.6 | 20.6 | 20.5 | 20.5 | 20.5 | 20.5 | 20.5 | 20.4 | 20.4 | 20.4 |
| 65 | 19.8 | 19.8 | 19.7 | 19.7 | 19.7 | 19.7 | 19.7 | 19.6 | 19.6 | 19.6 |
| 66 | 19.0 | 19.0 | 19.0 | 18.9 | 18.9 | 18.9 | 18.9 | 18.9 | 18.8 | 18.8 |
| 67 | 18.2 | 18.2 | 18.2 | 18.2 | 18.2 | 18.1 | 18.1 | 18.1 | 18.1 | 18.1 |
| 68 | 17.4 | 17.4 | 17.4 | 17.4 | 17.4 | 17.4 | 17.4 | 17.3 | 17.3 | 17.3 |
| 69 | 16.7 | 16.7 | 16.7 | 16.6 | 16.6 | 16.6 | 16.6 | 16.6 | 16.6 | 16.6 |
| 70 | 15.9 | 15.9 | 15.9 | 15.9 | 15.9 | 15.9 | 15.9 | 15.9 | 15.8 | 15.8 |
| 71 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.2 | 15.1 | 15.1 | 15.1 |
| 72 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.5 | 14.4 | 14.4 | 14.4 |
| 73 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.7 | 13.7 |
| 74 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 | 13.1 |
| 75 | 12.5 | 12.5 | 12.5 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 |
| 76 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 | 11.8 |
| 77 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.1 |
| 78 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.5 |
| 79 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| 80 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 |
| 81 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 |
| 82 | 8.4 | 8.4 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 |
| 83 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 |
| 84 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 |
| 87 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 35 | 40.7 | 40.2 | 39.7 | 39.2 | 38.6 | 38.0 | 37.4 | 36.8 | 36.2 | 35.5 |
| 36 | 40.2 | 39.7 | 39.3 | 38.7 | 38.2 | 37.7 | 37.1 | 36.5 | 35.9 | 35.2 |
| 37 | 39.7 | 39.3 | 38.8 | 38.3 | 37.8 | 37.3 | 36.7 | 36.2 | 35.6 | 34.9 |
| 38 | 39.2 | 38.7 | 38.3 | 37.9 | 37.4 | 36.9 | 36.3 | 35.8 | 35.2 | 34.6 |
| 39 | 38.6 | 38.2 | 37.8 | 37.4 | 36.9 | 36.4 | 35.9 | 35.4 | 34.9 | 34.3 |
| 40 | 38.0 | 37.7 | 37.3 | 36.9 | 36.4 | 36.0 | 35.5 | 35.0 | 34.5 | 34.0 |
| 41 | 37.4 | 37.1 | 36.7 | 36.3 | 35.9 | 35.5 | 35.1 | 34.6 | 34.1 | 33.6 |
| 42 | 36.8 | 36.5 | 36.2 | 35.8 | 35.4 | 35.0 | 34.6 | 34.1 | 33.7 | 33.2 |
| 43 | 36.2 | 35.9 | 35.6 | 35.2 | 34.9 | 34.5 | 34.1 | 33.7 | 33.2 | 32.8 |
| 44 | 35.5 | 35.2 | 34.9 | 34.6 | 34.3 | 34.0 | 33.6 | 33.2 | 32.8 | 32.3 |
| 45 | 34.8 | 34.6 | 34.3 | 34.0 | 33.7 | 33.4 | 33.0 | 32.7 | 32.3 | 31.8 |
| 46 | 34.1 | 33.9 | 33.7 | 33.4 | 33.1 | 32.8 | 32.5 | 32.1 | 31.8 | 31.4 |
| 47 | 33.4 | 33.2 | 33.0 | 32.8 | 32.5 | 32.2 | 31.9 | 31.6 | 31.2 | 30.8 |
| 48 | 32.7 | 32.5 | 32.3 | 32.1 | 31.8 | 31.6 | 31.3 | 31.0 | 30.7 | 30.3 |
| 49 | 32.0 | 31.8 | 31.6 | 31.4 | 31.2 | 30.9 | 30.7 | 30.4 | 30.1 | 29.8 |
| 50 | 31.3 | 31.1 | 30.9 | 30.7 | 30.5 | 30.3 | 30.0 | 29.8 | 29.5 | 29.2 |
| 51 | 30.5 | 30.4 | 30.2 | 30.0 | 29.8 | 29.6 | 29.4 | 29.2 | 28.9 | 28.6 |
| 52 | 29.7 | 29.6 | 29.5 | 29.3 | 29.1 | 28.9 | 28.7 | 28.5 | 28.3 | 28.0 |
| 53 | 29.0 | 28.9 | 28.7 | 28.6 | 28.4 | 28.2 | 28.1 | 27.9 | 27.6 | 27.4 |
| 54 | 28.2 | 28.1 | 28.0 | 27.8 | 27.7 | 27.5 | 27.4 | 27.2 | 27.0 | 26.8 |
| 55 | 27.4 | 27.3 | 27.2 | 27.1 | 27.0 | 26.8 | 26.7 | 26.5 | 26.3 | 26.1 |
| 56 | 26.7 | 26.6 | 26.5 | 26.3 | 26.2 | 26.1 | 26.0 | 25.8 | 25.6 | 25.4 |
| 57 | 25.9 | 25.8 | 25.7 | 25.6 | 25.5 | 25.4 | 25.2 | 25.1 | 24.9 | 24.8 |
| 58 | 25.1 | 25.0 | 24.9 | 24.8 | 24.7 | 24.6 | 24.5 | 24.4 | 24.2 | 24.1 |
| 59 | 24.3 | 24.2 | 24.1 | 24.1 | 24.0 | 23.9 | 23.8 | 23.6 | 23.5 | 23.4 |
| 60 | 23.5 | 23.4 | 23.4 | 23.3 | 23.2 | 23.1 | 23.0 | 22.9 | 22.8 | 22.7 |
| 61 | 22.7 | 22.6 | 22.6 | 22.5 | 22.4 | 22.4 | 22.3 | 22.2 | 22.1 | 22.0 |
| 62 | 21.9 | 21.9 | 21.8 | 21.7 | 21.7 | 21.6 | 21.5 | 21.4 | 21.3 | 21.2 |
| 63 | 21.1 | 21.1 | 21.0 | 21.0 | 20.9 | 20.8 | 20.8 | 20.7 | 20.6 | 20.5 |
| 64 | 20.3 | 20.3 | 20.2 | 20.2 | 20.1 | 20.1 | 20.0 | 20.0 | 19.9 | 19.8 |
| 65 | 19.6 | 19.5 | 19.5 | 19.4 | 19.4 | 19.3 | 19.3 | 19.2 | 19.1 | 19.1 |
| 66 | 18.8 | 18.8 | 18.7 | 18.7 | 18.6 | 18.6 | 18.5 | 18.5 | 18.4 | 18.4 |
| 67 | 18.0 | 18.0 | 18.0 | 17.9 | 17.9 | 17.9 | 17.8 | 17.8 | 17.7 | 17.6 |
| 68 | 17.3 | 17.3 | 17.2 | 17.2 | 17.2 | 17.1 | 17.1 | 17.0 | 17.0 | 16.9 |
| 69 | 16.5 | 16.5 | 16.5 | 16.5 | 16.4 | 16.4 | 16.4 | 16.3 | 16.3 | 16.2 |
| 70 | 15.8 | 15.8 | 15.8 | 15.7 | 15.7 | 15.7 | 15.6 | 15.6 | 15.6 | 15.5 |
| 71 | 15.1 | 15.1 | 15.1 | 15.0 | 15.0 | 15.0 | 15.0 | 14.9 | 14.9 | 14.9 |
| 72 | 14.4 | 14.4 | 14.4 | 14.3 | 14.3 | 14.3 | 14.3 | 14.2 | 14.2 | 14.2 |
| 73 | 13.7 | 13.7 | 13.7 | 13.7 | 13.7 | 13.6 | 13.6 | 13.6 | 13.6 | 13.5 |
| 74 | 13.1 | 13.0 | 13.0 | 13.0 | 13.0 | 13.0 | 13.0 | 12.9 | 12.9 | 12.9 |
| 75 | 12.4 | 12.4 | 12.4 | 12.4 | 12.3 | 12.3 | 12.3 | 12.3 | 12.3 | 12.2 |
| 76 | 11.8 | 11.8 | 11.7 | 11.7 | 11.7 | 11.7 | 11.7 | 11.7 | 11.6 | 11.6 |
| 77 | 11.1 | 11.1 | 11.1 | 11.1 | 11.1 | 11.1 | 11.1 | 11.1 | 11.0 | 11.0 |
| 78 | 10.5 | 10.5 | 10.5 | 10.5 | 10.5 | 10.5 | 10.5 | 10.5 | 10.5 | 10.4 |
| 79 | 10.0 | 10.0 | 9.9 | 9.9 | 9.9 | 9.9 | 9.9 | 9.9 | 9.9 | 9.9 |
| 80 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.4 | 9.3 | 9.3 | 9.3 |
| 81 | 8.9 | 8.8 | 8.8 | 8.8 | 8.8 | 8.8 | 8.8 | 8.8 | 8.8 | 8.8 |
| 82 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 | 8.3 |
| 83 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 | 7.8 |
| 84 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 |
| 87 | 6.1 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.6 | 5.6 | 5.6 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.6 | 4.6 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.6 | 2.6 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 45 | 31.4 | 30.9 | 30.5 | 30.0 | 29.4 | 28.9 | 28.3 | 27.7 | 27.1 | 26.5 |
| 46 | 30.9 | 30.5 | 30.0 | 29.6 | 29.1 | 28.5 | 28.0 | 27.4 | 26.9 | 26.3 |
| 47 | 30.5 | 30.0 | 29.6 | 29.2 | 28.7 | 28.2 | 27.7 | 27.1 | 26.6 | 26.0 |
| 48 | 30.0 | 29.6 | 29.2 | 28.7 | 28.3 | 27.8 | 27.3 | 26.8 | 26.3 | 25.7 |
| 49 | 29.4 | 29.1 | 28.7 | 28.3 | 27.9 | 27.4 | 26.9 | 26.5 | 25.9 | 25.4 |
| 50 | 28.9 | 28.5 | 28.2 | 27.4 | 27.4 | 27.0 | 26.5 | 26.1 | 25.6 | 25.1 |
| 51 | 28.3 | 28.0 | 27.7 | 27.3 | 26.9 | 26.5 | 26.1 | 25.7 | 25.2 | 24.7 |
| 52 | 27.7 | 27.4 | 27.1 | 26.8 | 26.5 | 26.1 | 25.7 | 25.3 | 24.8 | 24.4 |
| 53 | 27.1 | 26.9 | 26.6 | 26.3 | 25.9 | 25.6 | 25.2 | 24.8 | 24.4 | 24.0 |
| 54 | 26.5 | 26.3 | 26.0 | 25.7 | 25.4 | 25.1 | 24.7 | 24.4 | 24.0 | 23.6 |
| 55 | 25.9 | 25.7 | 25.4 | 25.1 | 24.9 | 24.6 | 24.2 | 23.9 | 23.5 | 23.2 |
| 56 | 25.2 | 25.0 | 24.8 | 24.6 | 24.3 | 24.0 | 23.7 | 23.4 | 23.1 | 22.7 |
| 57 | 24.6 | 24.4 | 24.2 | 24.0 | 23.7 | 23.5 | 23.2 | 22.9 | 22.6 | 22.2 |
| 58 | 23.9 | 23.7 | 23.5 | 23.3 | 23.1 | 22.9 | 22.6 | 22.4 | 22.1 | 21.7 |
| 59 | 23.2 | 23.1 | 22.9 | 22.7 | 22.5 | 22.3 | 22.1 | 21.8 | 21.5 | 21.2 |
| 60 | 22.5 | 22.4 | 22.2 | 22.1 | 21.9 | 21.7 | 21.5 | 21.2 | 21.0 | 20.7 |
| 61 | 21.8 | 21.7 | 21.6 | 21.4 | 21.2 | 21.1 | 20.9 | 20.6 | 20.4 | 20.2 |
| 62 | 21.1 | 21.0 | 20.9 | 20.7 | 20.6 | 20.4 | 20.2 | 20.0 | 19.8 | 19.6 |
| 63 | 20.4 | 20.3 | 20.2 | 20.1 | 19.9 | 19.8 | 19.6 | 19.4 | 19.2 | 19.0 |
| 64 | 19.7 | 19.6 | 19.5 | 19.4 | 19.3 | 19.1 | 19.0 | 18.8 | 18.6 | 18.5 |
| 65 | 19.0 | 18.9 | 18.8 | 18.7 | 18.6 | 18.5 | 18.3 | 18.2 | 18.0 | 17.9 |
| 66 | 18.3 | 18.2 | 18.1 | 18.0 | 17.9 | 17.8 | 17.7 | 17.6 | 17.4 | 17.3 |
| 67 | 17.6 | 17.5 | 17.4 | 17.3 | 17.3 | 17.2 | 17.1 | 16.9 | 16.8 | 16.7 |
| 68 | 16.9 | 16.8 | 16.7 | 16.7 | 16.6 | 16.5 | 16.4 | 16.3 | 16.2 | 16.1 |
| 69 | 16.2 | 16.1 | 16.1 | 16.0 | 15.9 | 15.8 | 15.8 | 15.7 | 15.6 | 15.4 |
| 70 | 15.5 | 15.4 | 15.4 | 15.3 | 15.3 | 15.2 | 15.1 | 15.0 | 14.9 | 14.8 |
| 71 | 14.8 | 14.8 | 14.7 | 14.7 | 14.6 | 14.5 | 14.5 | 14.4 | 14.3 | 14.2 |
| 72 | 14.1 | 14.1 | 14.1 | 14.0 | 14.0 | 13.9 | 13.8 | 13.8 | 13.7 | 13.6 |
| 73 | 13.5 | 13.5 | 13.4 | 13.4 | 13.3 | 13.3 | 13.2 | 13.2 | 13.1 | 13.0 |
| 74 | 12.8 | 12.8 | 12.8 | 12.7 | 12.7 | 12.7 | 12.6 | 12.6 | 12.5 | 12.4 |
| 75 | 12.2 | 12.2 | 12.2 | 12.1 | 12.1 | 12.1 | 12.0 | 12.0 | 11.9 | 11.9 |
| 76 | 11.6 | 11.6 | 11.6 | 11.5 | 11.5 | 11.5 | 11.4 | 11.4 | 11.3 | 11.3 |
| 77 | 11.0 | 11.0 | 11.0 | 10.9 | 10.9 | 10.9 | 10.8 | 10.8 | 10.8 | 10.7 |
| 78 | 10.4 | 10.4 | 10.4 | 10.4 | 10.3 | 10.3 | 10.3 | 10.2 | 10.2 | 10.2 |
| 79 | 9.9 | 9.8 | 9.8 | 9.8 | 9.8 | 9.8 | 9.7 | 9.7 | 9.7 | 9.6 |
| 80 | 9.3 | 9.3 | 9.3 | 9.3 | 9.2 | 9.2 | 9.2 | 9.2 | 9.1 | 9.1 |
| 81 | 8.8 | 8.8 | 8.7 | 8.7 | 8.7 | 8.7 | 8.7 | 8.7 | 8.6 | 8.6 |
| 82 | 8.3 | 8.2 | 8.2 | 8.2 | 8.2 | 8.2 | 8.2 | 8.2 | 8.1 | 8.1 |
| 83 | 7.8 | 7.8 | 7.7 | 7.7 | 7.7 | 7.7 | 7.7 | 7.7 | 7.7 | 7.6 |
| 84 | 7.3 | 7.3 | 7.3 | 7.3 | 7.3 | 7.2 | 7.2 | 7.2 | 7.2 | 7.2 |
| 85 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.7 |
| 86 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 | 6.4 | 6.3 | 6.3 |
| 87 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 6.0 | 5.9 |
| 88 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 | 5.6 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.2 | 5.2 | 5.2 | 5.2 |
| 90 | 5.0 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 |
| 91 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 |
| 92 | 4.4 | 4.4 | 4.4 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 55 | 22.7 | 22.3 | 21.9 | 21.4 | 20.9 | 20.4 | 19.9 | 19.4 | 18.8 | 18.3 |
| 56 | 22.3 | 21.9 | 21.5 | 21.1 | 20.6 | 20.1 | 19.6 | 19.1 | 18.6 | 18.0 |
| 57 | 21.9 | 21.5 | 21.1 | 20.7 | 20.3 | 19.8 | 19.3 | 18.8 | 18.3 | 17.8 |
| 58 | 21.4 | 21.1 | 20.7 | 20.3 | 19.9 | 19.5 | 19.0 | 18.5 | 18.0 | 17.5 |
| 59 | 20.9 | 20.6 | 20.3 | 19.9 | 19.5 | 19.1 | 18.7 | 18.2 | 17.7 | 17.3 |
| 60 | 20.4 | 20.1 | 19.8 | 19.5 | 19.1 | 18.7 | 18.3 | 17.9 | 17.4 | 17.0 |
| 61 | 29.9 | 19.6 | 19.3 | 19.0 | 18.7 | 18.3 | 17.9 | 17.5 | 17.1 | 16.7 |
| 62 | 19.4 | 19.1 | 18.8 | 18.5 | 18.2 | 17.9 | 17.5 | 17.1 | 16.8 | 16.3 |
| 63 | 18.8 | 18.6 | 18.3 | 18.0 | 17.7 | 17.4 | 17.1 | 16.8 | 16.4 | 16.0 |
| 64 | 18.3 | 18.0 | 17.8 | 17.5 | 17.3 | 17.0 | 16.7 | 16.3 | 16.0 | 15.6 |
| 65 | 17.7 | 17.5 | 17.3 | 17.0 | 16.8 | 16.5 | 16.2 | 15.9 | 15.6 | 15.3 |
| 66 | 17.1 | 16.9 | 16.7 | 16.5 | 16.3 | 16.0 | 15.8 | 15.5 | 15.2 | 14.9 |
| 67 | 16.5 | 16.3 | 16.2 | 16.0 | 15.8 | 15.5 | 15.3 | 15.0 | 14.7 | 14.5 |
| 68 | 15.9 | 15.8 | 15.6 | 15.4 | 15.2 | 15.0 | 14.8 | 14.6 | 14.3 | 14.0 |
| 69 | 15.3 | 15.2 | 15.0 | 14.9 | 14.7 | 14.5 | 14.3 | 14.1 | 13.9 | 13.6 |
| 70 | 14.7 | 14.6 | 14.5 | 14.3 | 14.2 | 14.0 | 13.8 | 13.6 | 13.4 | 13.2 |
| 71 | 14.1 | 14.0 | 13.9 | 13.8 | 13.6 | 13.5 | 13.3 | 13.1 | 12.9 | 12.7 |
| 72 | 13.5 | 13.4 | 13.3 | 13.2 | 13.1 | 12.9 | 12.8 | 12.6 | 12.4 | 12.3 |
| 73 | 13.0 | 12.9 | 12.8 | 12.7 | 12.5 | 12.4 | 12.3 | 12.1 | 12.0 | 11.8 |
| 74 | 12.4 | 12.3 | 12.2 | 12.1 | 12.0 | 11.9 | 11.8 | 11.6 | 11.5 | 11.3 |
| 75 | 11.8 | 11.7 | 11.7 | 11.6 | 11.5 | 11.4 | 11.3 | 11.1 | 11.0 | 10.9 |
| 76 | 11.2 | 11.2 | 11.1 | 11.0 | 10.9 | 10.9 | 10.8 | 10.6 | 10.5 | 10.4 |
| 77 | 10.7 | 10.6 | 10.6 | 10.5 | 10.4 | 10.3 | 10.3 | 10.2 | 10.0 | 9.9 |
| 78 | 10.1 | 10.1 | 10.0 | 10.0 | 9.9 | 9.8 | 9.8 | 9.7 | 9.6 | 9.5 |
| 79 | 9.6 | 9.6 | 9.5 | 9.5 | 9.4 | 9.3 | 9.3 | 9.2 | 9.1 | 9.0 |
| 80 | 9.1 | 9.0 | 9.0 | 9.0 | 8.9 | 8.9 | 8.8 | 8.7 | 8.7 | 8.6 |
| 81 | 8.6 | 8.5 | 8.5 | 8.5 | 8.4 | 8.4 | 8.3 | 8.3 | 8.2 | 8.1 |
| 82 | 8.1 | 8.1 | 8.0 | 8.0 | 8.0 | 7.9 | 7.9 | 7.8 | 7.8 | 7.7 |
| 83 | 7.6 | 7.6 | 7.6 | 7.5 | 7.5 | 7.5 | 7.4 | 7.4 | 7.3 | 7.3 |
| 84 | 7.2 | 7.1 | 7.1 | 7.1 | 7.1 | 7.0 | 7.0 | 7.0 | 6.9 | 6.9 |
| 85 | 6.7 | 6.7 | 6.7 | 6.7 | 6.6 | 6.6 | 6.6 | 6.5 | 6.5 | 6.5 |
| 86 | 6.3 | 6.3 | 6.3 | 6.3 | 6.2 | 6.2 | 6.2 | 6.2 | 6.1 | 6.1 |
| 87 | 5.9 | 5.9 | 5.9 | 5.9 | 5.9 | 5.8 | 5.8 | 5.8 | 5.8 | 5.7 |
| 88 | 5.6 | 5.5 | 5.5 | 5.5 | 5.5 | 5.5 | 5.5 | 5.4 | 5.4 | 5.4 |
| 89 | 5.2 | 5.2 | 5.2 | 5.2 | 5.2 | 5.1 | 5.1 | 5.1 | 5.1 | 5.1 |
| 90 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.8 | 4.8 | 4.8 | 4.8 | 4.8 |
| 91 | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 | 4.5 | 4.5 | 4.5 | 4.5 | 4.5 |
| 92 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 | 4.3 | 4.2 | 4.2 | 4.2 |
| 93 | 4.1 | 4.1 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 |
| 94 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.7 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.6 | 3.5 | 3.5 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.3 | 3.3 | 3.3 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.1 | 3.1 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 |
| 101 | 2.5 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.2 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.7 | 1.7 | 1.7 | 1.7 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 65 | 14.9 | 14.5 | 14.1 | 13.7 | 13.3 | 12.9 | 12.5 | 12.0 | 11.6 | 11.2 |
| 66 | 14.5 | 14.2 | 13.8 | 13.4 | 13.1 | 12.6 | 12.2 | 11.8 | 11.4 | 11.0 |
| 67 | 14.1 | 13.8 | 13.5 | 13.1 | 12.8 | 12.4 | 12.0 | 11.6 | 11.2 | 10.8 |
| 68 | 13.7 | 13.4 | 13.1 | 12.8 | 12.5 | 12.1 | 11.7 | 11.4 | 11.0 | 10.6 |
| 69 | 13.3 | 13.1 | 12.8 | 12.5 | 12.1 | 11.8 | 11.4 | 11.1 | 10.7 | 10.4 |
| 70 | 12.9 | 12.6 | 12.4 | 12.1 | 11.8 | 11.5 | 11.2 | 10.8 | 10.5 | 10.1 |
| 71 | 12.5 | 12.2 | 12.0 | 11.7 | 11.4 | 11.2 | 10.9 | 10.5 | 10.2 | 9.9 |
| 72 | 12.0 | 11.8 | 11.6 | 11.4 | 11.1 | 10.8 | 10.5 | 10.2 | 9.9 | 9.6 |
| 73 | 11.6 | 11.4 | 11.2 | 11.0 | 10.7 | 10.5 | 10.2 | 9.9 | 9.7 | 9.4 |
| 74 | 11.2 | 11.0 | 10.8 | 10.6 | 10.4 | 10.1 | 9.9 | 9.6 | 9.4 | 9.1 |
| 75 | 10.7 | 10.5 | 10.4 | 10.2 | 10.0 | 9.8 | 9.5 | 9.3 | 9.1 | 8.8 |
| 76 | 10.3 | 10.1 | 9.9 | 9.8 | 9.6 | 9.4 | 9.2 | 9.0 | 8.8 | 8.5 |
| 77 | 9.8 | 9.7 | 9.5 | 9.4 | 9.2 | 9.0 | 8.8 | 8.6 | 8.4 | 8.2 |
| 78 | 9.4 | 9.2 | 9.1 | 9.0 | 8.8 | 8.7 | 8.5 | 8.3 | 8.1 | 7.9 |
| 79 | 8.9 | 8.8 | 8.7 | 8.6 | 8.4 | 8.3 | 8.1 | 8.0 | 7.8 | 7.6 |
| 80 | 8.5 | 8.4 | 8.3 | 8.2 | 8.0 | 7.9 | 7.8 | 7.6 | 7.5 | 7.3 |
| 81 | 8.0 | 8.0 | 7.9 | 7.9 | 7.7 | 7.5 | 7.4 | 7.3 | 7.1 | 7.0 |
| 82 | 7.6 | 7.5 | 7.5 | 7.4 | 7.3 | 7.2 | 7.1 | 6.9 | 6.8 | 6.7 |
| 83 | 7.2 | 7.1 | 7.1 | 7.0 | 6.9 | 6.8 | 6.7 | 6.6 | 6.5 | 6.4 |
| 84 | 6.8 | 6.7 | 6.7 | 6.6 | 6.5 | 6.4 | 6.4 | 6.3 | 6.2 | 6.0 |
| 85 | 6.4 | 6.4 | 6.3 | 6.2 | 6.2 | 6.1 | 6.0 | 5.9 | 5.8 | 5.7 |
| 86 | 6.0 | 6.0 | 5.9 | 5.9 | 5.8 | 5.8 | 5.7 | 5.6 | 5.5 | 5.4 |
| 87 | 5.7 | 5.6 | 5.6 | 5.6 | 5.5 | 5.4 | 5.4 | 5.3 | 5.2 | 5.2 |
| 88 | 5.3 | 5.3 | 5.3 | 5.2 | 5.2 | 5.1 | 5.1 | 5.0 | 5.0 | 4.9 |
| 89 | 5.0 | 5.0 | 5.0 | 4.9 | 4.9 | 4.8 | 4.8 | 4.7 | 4.7 | 4.6 |
| 90 | 4.7 | 4.7 | 4.7 | 4.6 | 4.6 | 4.6 | 4.5 | 4.5 | 4.4 | 4.4 |
| 91 | 4.5 | 4.4 | 4.4 | 4.4 | 4.3 | 4.3 | 4.3 | 4.2 | 4.2 | 4.1 |
| 92 | 4.2 | 4.2 | 4.1 | 4.1 | 4.1 | 4.1 | 4.0 | 4.0 | 3.9 | 3.9 |
| 93 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.8 | 3.8 | 3.8 | 3.7 | 3.7 |
| 94 | 3.7 | 3.7 | 3.7 | 3.7 | 3.6 | 3.6 | 3.6 | 3.6 | 3.5 | 3.5 |
| 95 | 3.5 | 3.5 | 3.5 | 3.5 | 3.4 | 3.4 | 3.4 | 3.4 | 3.3 | 3.3 |
| 96 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.2 | 3.2 | 3.2 | 3.2 | 3.1 |
| 97 | 3.1 | 3.1 | 3.1 | 3.1 | 3.1 | 3.1 | 3.0 | 3.0 | 3.0 | 3.0 |
| 98 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 | 2.8 | 2.8 |
| 99 | 2.8 | 2.8 | 2.8 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.6 |
| 100 | 2.6 | 2.6 | 2.6 | 2.6 | 2.6 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 101 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.3 | 2.3 |
| 102 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 | 2.2 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.0 | 2.0 | 2.0 | 2.0 | 2.0 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | .19 | 1.9 |
| 105 | 1.7 | 1.7 | 1.7 | 1.7 | .17 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 |
| 106 | 1.6 | 1.6 | .16 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.5 | 1.5 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .6 | .6 | .6 | .6 | .6 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .5 | .5 | .5 | .5 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 75 | 8.6 | 8.3 | 8.0 | 7.7 | 7.4 | 7.1 | 6.8 | 6.5 | 6.2 | 5.9 |
| 76 | 8.3 | 8.0 | 7.8 | 7.5 | 7.2 | 6.9 | 6.7 | 6.4 | 6.1 | 5.8 |
| 77 | 8.0 | 7.8 | 7.5 | 7.3 | 7.0 | 6.8 | 6.5 | 6.2 | 5.9 | 5.7 |
| 78 | 7.7 | 7.5 | 7.3 | 7.0 | 6.8 | 6.6 | 6.3 | 6.0 | 5.8 | 5.5 |
| 79 | 7.4 | 7.2 | 7.0 | 6.8 | 6.6 | 6.3 | 6.1 | 5.9 | 5.6 | 5.4 |
| 80 | 7.1 | 6.9 | 6.8 | 6.6 | 6.3 | 6.1 | 5.9 | 5.7 | 5.5 | 5.2 |
| 81 | 6.8 | 6.7 | 6.5 | 6.3 | 6.1 | 5.9 | 5.7 | 5.5 | 5.3 | 5.1 |
| 82 | 6.5 | 6.4 | 6.2 | 6.0 | 5.9 | 5.7 | 5.5 | 5.3 | 5.1 | 4.9 |
| 83 | 6.2 | 6.1 | 5.9 | 5.8 | 5.6 | 5.5 | 5.3 | 5.1 | 4.9 | 4.7 |
| 84 | 5.9 | 5.8 | 5.7 | 5.5 | 5.4 | 5.2 | 5.1 | 4.9 | 4.7 | 4.6 |
| 85 | 5.6 | 5.5 | 5.4 | 5.3 | 5.2 | 5.0 | 4.9 | 4.7 | 4.6 | 4.4 |
| 86 | 5.4 | 5.3 | 5.1 | 5.0 | 4.9 | 4.8 | 4.7 | 4.5 | 4.4 | 4.2 |
| 87 | 5.1 | 5.0 | 4.9 | 4.8 | 4.7 | 4.6 | 4.4 | 4.3 | 4.2 | 4.1 |
| 88 | 4.8 | 4.7 | 4.6 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 | 3.9 |
| 89 | 4.5 | 4.5 | 4.4 | 4.3 | 4.2 | 4.1 | 4.0 | 3.9 | 3.8 | 3.7 |
| 90 | 4.3 | 4.2 | 4.2 | 4.1 | 4.0 | 3.9 | 3.8 | 3.8 | 3.7 | 3.5 |
| 91 | 4.1 | 4.0 | 4.0 | 3.9 | 3.8 | 3.7 | 3.7 | 3.6 | 3.5 | 3.4 |
| 92 | 3.9 | 3.8 | 3.7 | 3.7 | 3.6 | 3.6 | 3.5 | 3.4 | 3.3 | 3.2 |
| 93 | 3.7 | 3.6 | 3.6 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.2 | 3.1 |
| 94 | 3.5 | 3.4 | 3.4 | 3.3 | 3.3 | 3.2 | 3.2 | 3.1 | 3.0 | 3.0 |
| 95 | 3.3 | 3.2 | 3.2 | 3.2 | 3.1 | 3.1 | 3.0 | 3.0 | 2.9 | 2.8 |
| 96 | 3.1 | 3.1 | 3.0 | 3.0 | 3.0 | 2.9 | 2.9 | 2.8 | 2.8 | 2.7 |
| 97 | 2.9 | 2.9 | 2.9 | 2.9 | 2.8 | 2.8 | 2.7 | 2.7 | 2.6 | 2.6 |
| 98 | 2.8 | 2.8 | 2.7 | 2.7 | 2.7 | 2.6 | 2.6 | 2.6 | 2.5 | 2.5 |
| 99 | 2.6 | 2.6 | 2.6 | 2.6 | 2.5 | 2.5 | 2.5 | 2.4 | 2.4 | 2.3 |
| 100 | 2.5 | 2.5 | 2.4 | 2.4 | 2.4 | 2.4 | 2.3 | 2.3 | 2.3 | 2.2 |
| 101 | 2.3 | 2.3 | 2.3 | 2.3 | 2.2 | 2.2 | 2.2 | 2.2 | 2.1 | 2.1 |
| 102 | 2.2 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.0 | 2.0 | 2.0 | 2.0 |
| 103 | 2.0 | 2.0 | 2.0 | 2.0 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.8 |
| 104 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.7 | 1.7 | 1.7 |
| 105 | 1.7 | 1.7 | 1.7 | 1.7 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 106 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 |
| 108 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .8 | .8 |
| 112 | .8 | .8 | .8 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 113 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 114 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 85 | 4.2 | 4.1 | 3.9 | 3.8 | 3.6 | 3.4 | 3.3 | 3.2 | 3.0 | 2.9 |
| 86 | 4.1 | 3.9 | 3.8 | 3.6 | 3.5 | 3.3 | 3.2 | 3.1 | 2.9 | 2.8 |
| 87 | 3.9 | 3.8 | 3.6 | 3.5 | 3.4 | 3.2 | 3.1 | 3.0 | 2.8 | 2.7 |
| 88 | 3.8 | 3.6 | 3.5 | 3.4 | 3.2 | 3.1 | 3.0 | 2.9 | 2.8 | 2.6 |
| 89 | 3.6 | 3.5 | 3.4 | 3.2 | 3.1 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 |
| 90 | 3.4 | 3.3 | 3.2 | 3.1 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 |
| 91 | 3.3 | 3.2 | 3.1 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.4 |
| 92 | 3.2 | 3.1 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.4 | 2.3 |
| 93 | 3.0 | 2.9 | 2.8 | 2.8 | 2.7 | 2.6 | 2.5 | 2.4 | 2.3 | 2.3 |
| 94 | 2.9 | 2.8 | 2.7 | 2.6 | 2.6 | 2.5 | 2.4 | 2.3 | 2.3 | 2.2 |
| 95 | 2.8 | 2.7 | 2.6 | 2.5 | 2.5 | 2.4 | 2.3 | 2.2 | 2.2 | 2.1 |
| 96 | 2.6 | 2.6 | 2.5 | 2.4 | 2.4 | 2.3 | 2.2 | 2.2 | 2.1 | 2.0 |
| 97 | 2.5 | 2.5 | 2.4 | 2.3 | 2.3 | 2.2 | 2.2 | 2.1 | 2.0 | 2.0 |
| 98 | 2.4 | 2.4 | 2.3 | 2.2 | 2.2 | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 |
| 99 | 2.3 | 2.2 | 2.2 | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.9 | 1.8 |
| 100 | 2.2 | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.9 | 1.9 | 1.8 | 1.8 |
| 101 | 2.1 | 2.0 | 2.0 | 1.9 | 1.9 | 1.9 | 1.8 | 1.8 | 1.7 | 1.7 |
| 102 | 1.9 | 1.9 | 1.9 | 1.8 | 1.8 | 1.8 | 1.7 | 1.7 | 1.6 | 1.6 |
| 103 | 1.8 | 1.8 | 1.8 | 1.7 | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.5 |
| 104 | 1.7 | 1.7 | 1.6 | 1.6 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 |
| 105 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 |
| 106 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 |
| 107 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 |
| 108 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 109 | 1.1 | 1.1 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 110 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 111 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 112 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 113 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 114 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 95 | 2.0 | 2.0 | 1.9 | 1.8 | 1.8 | 1.7 | 1.6 | 1.6 | 1.5 | 1.4 |
| 96 | 2.0 | 1.9 | 1.9 | 1.8 | 1.7 | 1.7 | 1.6 | 1.5 | 1.5 | 1.4 |
| 97 | 1.9 | 1.9 | 1.8 | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.4 | 1.3 |
| 98 | 1.8 | 1.8 | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.5 | 1.4 | 1.3 |
| 99 | 1.8 | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.5 | 1.4 | 1.4 | 1.3 |
| 100 | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.5 | 1.4 | 1.4 | 1.3 | 1.3 |
| 101 | 1.6 | 1.6 | 1.6 | 1.5 | 1.5 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 |
| 102 | 1.6 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 |
| 103 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 1.1 |
| 104 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 | 1.2 | 1.1 | 1.1 |
| 105 | 1.3 | 1.3 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.0 |
| 106 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | 1.0 |
| 107 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | 1.0 | 1.0 | 1.0 | 9 |
| 108 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | .9 | .9 | .9 |
| 109 | 1.0 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .8 | .8 |
| 110 | .9 | .9 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 111 | .8 | .8 | .8 | .8 | .8 | .7 | .7 | .7 | .7 | .7 |
| 112 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .6 | .6 |
| 113 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 114 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Ages | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 105 | 1.0 | 1.0 | .9 | .9 | .8 | .7 | .7 | .6 | .6 | .5 | .5 |
| 106 | 1.0 | .9 | .9 | .8 | .8 | .7 | .7 | .6 | .6 | .5 | .5 |
| 107 | .9 | .9 | .8 | .8 | .7 | .7 | .7 | .6 | .6 | .5 | .5 |
| 108 | .9 | .8 | .8 | .8 | .7 | .7 | .6 | .6 | .5 | .5 | .5 |
| 109 | .8 | .8 | .7 | .7 | .7 | .7 | .6 | .6 | .5 | .5 | .5 |
| 110 | .7 | .7 | .7 | .7 | .7 | .6 | .6 | .6 | .5 | .5 | .5 |
| 111 | .7 | .7 | .7 | .6 | .6 | .6 | .6 | .5 | .5 | .5 | .5 |
| 112 | .6 | .6 | .6 | .6 | .6 | .6 | .5 | .5 | .5 | .5 | .5 |
| 113 | .6 | .6 | .6 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 114 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIaa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples

| Age | Years— |
| --- | --- |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
| 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 30 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 36 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| 40 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 42 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 43 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 44 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| 45 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| 46 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 47 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 48 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 49 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 50 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 51 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 52 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 53 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 54 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 55 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 56 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 |
| 57 | 0 | 0 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 |
| 58 | 0 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 |
| 59 | 0 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 4 |
| 60 | 0 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 |
| 61 | 0 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 4 |
| 62 | 0 | 1 | 1 | 2 | 2 | 2 | 3 | 4 | 4 | 5 |
| 63 | 0 | 1 | 1 | 2 | 2 | 3 | 3 | 4 | 5 | 5 |
| 64 | 0 | 1 | 1 | 2 | 2 | 3 | 4 | 4 | 5 | 6 |
| 65 | 0 | 1 | 2 | 2 | 3 | 3 | 4 | 5 | 6 | 6 |
| 66 | 1 | 1 | 2 | 2 | 3 | 4 | 5 | 5 | 6 | 7 |
| 67 | 1 | 1 | 2 | 3 | 3 | 4 | 5 | 6 | 7 | 8 |
| 68 | 1 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
| 69 | 1 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 |
| 70 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 11 |
| 71 | 1 | 2 | 3 | 4 | 5 | 6 | 8 | 9 | 10 | 12 |
| 72 | 1 | 2 | 3 | 4 | 6 | 7 | 8 | 10 | 11 | 13 |
| 73 | 1 | 2 | 4 | 5 | 6 | 8 | 9 | 11 | 13 | 14 |
| 74 | 1 | 3 | 4 | 5 | 7 | 9 | 10 | 12 | 14 | 16 |
| 75 | 1 | 3 | 4 | 6 | 8 | 9 | 11 | 13 | 15 | 17 |
| 76 | 2 | 3 | 5 | 7 | 9 | 10 | 12 | 15 | 17 | 19 |
| 77 | 2 | 4 | 5 | 7 | 9 | 12 | 14 | 16 | 18 | 21 |
| 78 | 2 | 4 | 6 | 8 | 10 | 13 | 15 | 18 | 20 | 23 |
| 79 | 2 | 4 | 7 | 9 | 11 | 14 | 17 | 19 | 22 | 25 |
| 80 | 2 | 5 | 7 | 10 | 13 | 15 | 18 | 21 | 24 | 27 |
| 81 | 3 | 5 | 8 | 11 | 14 | 17 | 20 | 23 | 26 | 29 |
| 82 | 3 | 6 | 9 | 12 | 15 | 19 | 22 | 25 | 28 | 32 |
| 83 | 3 | 7 | 10 | 13 | 17 | 20 | 24 | 27 | 31 | 34 |
| 84 | 4 | 7 | 11 | 15 | 19 | 22 | 26 | 30 | 33 | 37 |
| 85 | 4 | 8 | 12 | 16 | 20 | 24 | 28 | 32 | 36 | 40 |
| 86 | 4 | 9 | 13 | 18 | 22 | 27 | 31 | 35 | 39 | 42 |
| 87 | 5 | 10 | 15 | 20 | 24 | 29 | 33 | 37 | 41 | 45 |
| 88 | 5 | 11 | 16 | 21 | 26 | 31 | 36 | 40 | 44 | 48 |
| 89 | 6 | 12 | 18 | 23 | 28 | 33 | 38 | 43 | 47 | 50 |
| 90 | 7 | 13 | 19 | 25 | 31 | 36 | 41 | 45 | 49 | 53 |
| 91 | 7 | 14 | 21 | 27 | 33 | 38 | 43 | 48 | 52 | 55 |
| 92 | 8 | 15 | 22 | 29 | 35 | 40 | 45 | 50 | 54 | 58 |
| 93 | 9 | 17 | 24 | 31 | 37 | 43 | 48 | 52 | 56 | 60 |
| 94 | 9 | 18 | 26 | 33 | 39 | 45 | 50 | 54 | 58 | 62 |
| 95 | 10 | 19 | 27 | 35 | 41 | 47 | 52 | 57 | 60 | 64 |
| 96 | 11 | 20 | 29 | 36 | 43 | 49 | 54 | 59 | 62 | 66 |
| 97 | 11 | 21 | 30 | 38 | 45 | 51 | 56 | 61 | 64 | 68 |
| 98 | 12 | 23 | 32 | 40 | 47 | 53 | 58 | 63 | 66 | 69 |
| 99 | 13 | 24 | 34 | 42 | 49 | 55 | 60 | 65 | 68 | 71 |
| 100 | 14 | 26 | 36 | 44 | 52 | 58 | 63 | 67 | 70 | 73 |
| 101 | 14 | 27 | 38 | 47 | 54 | 60 | 65 | 69 | 72 | 75 |
| 102 | 15 | 29 | 40 | 49 | 56 | 62 | 67 | 71 | 74 | 77 |
| 103 | 17 | 31 | 42 | 52 | 59 | 65 | 69 | 73 | 76 | 78 |
| 104 | 18 | 33 | 45 | 55 | 62 | 67 | 72 | 75 | 78 | 80 |
| 105 | 19 | 36 | 48 | 58 | 65 | 70 | 74 | 77 | 80 | 82 |
| 106 | 21 | 38 | 51 | 61 | 68 | 73 | 77 | 79 | 82 | 84 |
| 107 | 23 | 42 | 55 | 64 | 71 | 75 | 79 | 81 | 84 | 85 |
| 108 | 25 | 45 | 58 | 67 | 73 | 78 | 81 | 83 | 85 | 87 |
| 109 | 28 | 49 | 62 | 71 | 76 | 80 | 83 | 85 | 87 | 88 |
| 110 | 31 | 52 | 66 | 74 | 79 | 82 | 85 | 87 | 88 | 89 |
| 111 | 34 | 57 | 70 | 77 | 82 | 85 | 87 | 88 | 90 | 91 |
| 112 | 37 | 61 | 73 | 80 | 84 | 87 | 88 | 90 | 91 | 92 |
| 113 | 41 | 66 | 77 | 83 | 86 | 88 | 90 | 91 | 92 | 93 |
| 114 | 45 | 70 | 80 | 85 | 88 | 90 | 92 | 93 | 93 | 94 |
| 115 | 50 | 75 | 83 | 88 | 90 | 92 | 93 | 94 | 94 | 95 |

Table VII—Percent Value of Refund Feature; Duration of Guaranteed Amount

| Age | Years— |
| --- | --- |
| 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 20 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| 23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 25 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 26 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 27 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| 28 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 29 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 30 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 31 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 32 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 33 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 34 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 35 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 36 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 37 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 38 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 39 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 40 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 41 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 42 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| 43 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 |
| 44 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 |
| 45 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 46 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 47 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 4 |
| 48 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 4 | 4 |
| 49 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 4 | 4 | 4 |
| 50 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 5 |
| 51 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 |
| 52 | 2 | 2 | 3 | 3 | 3 | 4 | 4 | 5 | 5 | 5 |
| 53 | 2 | 3 | 3 | 3 | 4 | 4 | 5 | 5 | 5 | 6 |
| 54 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 6 | 7 |
| 55 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 6 | 7 | 7 |
| 56 | 3 | 3 | 4 | 4 | 5 | 5 | 6 | 7 | 7 | 8 |
| 57 | 3 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 8 | 9 |
| 58 | 4 | 4 | 5 | 5 | 6 | 6 | 7 | 8 | 9 | 9 |
| 59 | 4 | 5 | 5 | 6 | 6 | 7 | 8 | 9 | 9 | 10 |
| 60 | 4 | 5 | 6 | 6 | 7 | 8 | 9 | 10 | 10 | 11 |
| 61 | 5 | 6 | 6 | 7 | 8 | 9 | 10 | 10 | 11 | 13 |
| 62 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 |
| 63 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 |
| 64 | 7 | 8 | 8 | 9 | 10 | 12 | 13 | 14 | 15 | 17 |
| 65 | 7 | 8 | 9 | 10 | 12 | 13 | 14 | 15 | 17 | 18 |
| 66 | 8 | 9 | 10 | 12 | 13 | 14 | 15 | 17 | 18 | 20 |
| 67 | 9 | 10 | 11 | 13 | 14 | 15 | 17 | 18 | 20 | 22 |
| 68 | 10 | 11 | 13 | 14 | 15 | 17 | 19 | 20 | 22 | 24 |
| 69 | 11 | 12 | 14 | 15 | 17 | 19 | 20 | 22 | 24 | 26 |
| 70 | 12 | 14 | 15 | 17 | 19 | 20 | 22 | 24 | 26 | 28 |
| 71 | 13 | 15 | 17 | 18 | 20 | 22 | 24 | 26 | 28 | 30 |
| 72 | 15 | 17 | 18 | 20 | 22 | 24 | 26 | 28 | 30 | 32 |
| 73 | 16 | 18 | 20 | 22 | 24 | 26 | 28 | 31 | 33 | 35 |
| 74 | 18 | 20 | 22 | 24 | 26 | 28 | 31 | 33 | 35 | 37 |
| 75 | 19 | 22 | 24 | 26 | 28 | 31 | 33 | 35 | 38 | 40 |
| 76 | 21 | 24 | 26 | 28 | 31 | 33 | 36 | 38 | 40 | 43 |
| 77 | 23 | 26 | 28 | 31 | 33 | 36 | 38 | 41 | 43 | 45 |
| 78 | 25 | 28 | 31 | 33 | 36 | 38 | 41 | 43 | 46 | 48 |
| 79 | 28 | 30 | 33 | 36 | 38 | 41 | 44 | 46 | 48 | 51 |
| 80 | 30 | 33 | 36 | 38 | 41 | 44 | 46 | 49 | 51 | 53 |
| 81 | 32 | 35 | 38 | 41 | 44 | 47 | 49 | 51 | 54 | 56 |
| 82 | 35 | 38 | 41 | 44 | 47 | 49 | 52 | 54 | 56 | 58 |
| 83 | 38 | 41 | 44 | 47 | 49 | 52 | 54 | 57 | 59 | 61 |
| 84 | 40 | 44 | 47 | 49 | 52 | 55 | 57 | 59 | 61 | 63 |
| 85 | 43 | 46 | 49 | 52 | 55 | 57 | 59 | 62 | 63 | 65 |
| 86 | 46 | 49 | 52 | 55 | 57 | 60 | 62 | 64 | 66 | 67 |
| 87 | 48 | 52 | 55 | 57 | 60 | 62 | 64 | 66 | 68 | 69 |
| 88 | 51 | 54 | 57 | 60 | 62 | 64 | 66 | 68 | 70 | 71 |
| 89 | 54 | 57 | 60 | 62 | 65 | 67 | 68 | 70 | 72 | 73 |
| 90 | 56 | 59 | 62 | 64 | 67 | 69 | 70 | 72 | 74 | 75 |
| 91 | 59 | 62 | 64 | 67 | 69 | 71 | 72 | 74 | 75 | 76 |
| 92 | 61 | 64 | 66 | 69 | 71 | 72 | 74 | 75 | 77 | 78 |
| 93 | 63 | 66 | 68 | 70 | 72 | 74 | 75 | 77 | 78 | 79 |
| 94 | 65 | 68 | 70 | 72 | 74 | 75 | 77 | 78 | 79 | 80 |
| 95 | 67 | 69 | 72 | 74 | 75 | 77 | 78 | 79 | 81 | 82 |
| 96 | 69 | 71 | 73 | 75 | 77 | 78 | 80 | 81 | 82 | 83 |
| 97 | 70 | 73 | 75 | 77 | 78 | 80 | 81 | 82 | 83 | 84 |
| 98 | 72 | 74 | 76 | 78 | 79 | 81 | 82 | 83 | 84 | 85 |
| 99 | 74 | 76 | 78 | 79 | 81 | 82 | 83 | 84 | 85 | 86 |
| 100 | 75 | 78 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 86 |
| 101 | 77 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 87 |
| 102 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 88 |
| 103 | 80 | 82 | 83 | 85 | 86 | 87 | 87 | 88 | 89 | 89 |
| 104 | 82 | 84 | 85 | 86 | 87 | 88 | 88 | 89 | 90 | 90 |
| 105 | 84 | 85 | 86 | 87 | 88 | 89 | 89 | 90 | 90 | 91 |
| 106 | 85 | 86 | 87 | 88 | 89 | 90 | 90 | 91 | 91 | 92 |
| 107 | 87 | 88 | 89 | 89 | 90 | 91 | 91 | 92 | 92 | 93 |
| 108 | 88 | 89 | 90 | 90 | 91 | 92 | 92 | 93 | 93 | 93 |
| 109 | 89 | 90 | 91 | 92 | 92 | 93 | 93 | 93 | 94 | 94 |
| 110 | 90 | 91 | 92 | 92 | 93 | 93 | 94 | 94 | 94 | 95 |
| 111 | 92 | 92 | 93 | 93 | 94 | 94 | 95 | 95 | 95 | 95 |
| 112 | 93 | 93 | 94 | 94 | 95 | 95 | 95 | 96 | 96 | 96 |
| 113 | 94 | 94 | 95 | 95 | 95 | 96 | 96 | 96 | 96 | 97 |
| 114 | 95 | 95 | 95 | 96 | 96 | 96 | 97 | 97 | 97 | 97 |
| 115 | 95 | 96 | 96 | 96 | 97 | 97 | 97 | 97 | 97 | 98 |

Table VII—Percent Value of Refund Feature; Duration of Guaranteed Amount

| Age | Years— |
| --- | --- |
| 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
| 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| 10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| 11 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 12 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 13 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| 14 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 15 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 16 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 17 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 18 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 19 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 20 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 21 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 22 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 23 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 24 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 25 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 26 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 27 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 28 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 29 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 30 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 31 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| 32 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 |
| 33 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 34 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| 35 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 |
| 36 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 37 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 38 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 |
| 39 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 | 4 |
| 40 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 |
| 41 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 |
| 42 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| 43 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 6 |
| 44 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 6 | 6 |
| 45 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 |
| 46 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 |
| 47 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 |
| 48 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 9 |
| 49 | 5 | 5 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 10 |
| 50 | 5 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 10 | 10 |
| 51 | 5 | 6 | 6 | 7 | 8 | 8 | 9 | 10 | 11 | 11 |
| 52 | 6 | 7 | 7 | 8 | 8 | 9 | 10 | 11 | 11 | 12 |
| 53 | 7 | 7 | 8 | 8 | 9 | 10 | 11 | 12 | 13 | 14 |
| 54 | 7 | 8 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 |
| 55 | 8 | 9 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| 56 | 9 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 18 |
| 57 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 17 | 18 | 19 |
| 58 | 10 | 11 | 12 | 13 | 14 | 16 | 17 | 18 | 19 | 21 |
| 59 | 11 | 12 | 13 | 15 | 16 | 17 | 18 | 20 | 21 | 22 |
| 60 | 12 | 14 | 15 | 16 | 17 | 19 | 20 | 21 | 23 | 24 |
| 61 | 14 | 15 | 16 | 17 | 19 | 20 | 22 | 23 | 25 | 26 |
| 62 | 15 | 16 | 18 | 19 | 20 | 22 | 23 | 25 | 27 | 28 |
| 63 | 16 | 18 | 19 | 21 | 22 | 24 | 25 | 27 | 29 | 30 |
| 64 | 18 | 19 | 21 | 23 | 24 | 26 | 28 | 29 | 31 | 33 |
| 65 | 20 | 21 | 23 | 25 | 26 | 28 | 30 | 31 | 33 | 35 |
| 66 | 21 | 23 | 25 | 27 | 28 | 30 | 32 | 34 | 35 | 37 |
| 67 | 23 | 25 | 27 | 29 | 31 | 32 | 34 | 36 | 38 | 40 |
| 68 | 25 | 27 | 29 | 31 | 33 | 35 | 37 | 38 | 40 | 42 |
| 69 | 28 | 29 | 31 | 33 | 35 | 37 | 39 | 41 | 43 | 44 |
| 70 | 30 | 32 | 34 | 36 | 38 | 40 | 42 | 43 | 45 | 47 |
| 71 | 32 | 34 | 36 | 38 | 40 | 42 | 44 | 46 | 47 | 49 |
| 72 | 35 | 37 | 39 | 41 | 43 | 45 | 46 | 48 | 50 | 51 |
| 73 | 37 | 39 | 41 | 43 | 45 | 47 | 49 | 51 | 52 | 54 |
| 74 | 40 | 42 | 44 | 46 | 48 | 50 | 51 | 53 | 54 | 56 |
| 75 | 42 | 44 | 46 | 48 | 50 | 52 | 54 | 55 | 57 | 58 |
| 76 | 45 | 47 | 49 | 51 | 53 | 54 | 56 | 58 | 59 | 60 |
| 77 | 47 | 50 | 51 | 53 | 55 | 57 | 58 | 60 | 61 | 62 |
| 78 | 50 | 52 | 54 | 56 | 57 | 59 | 61 | 62 | 63 | 64 |
| 79 | 53 | 55 | 56 | 58 | 60 | 61 | 63 | 64 | 65 | 66 |
| 80 | 55 | 57 | 59 | 60 | 62 | 63 | 65 | 66 | 67 | 68 |
| 81 | 58 | 59 | 61 | 63 | 64 | 66 | 67 | 68 | 69 | 70 |
| 82 | 60 | 62 | 63 | 65 | 66 | 68 | 69 | 70 | 71 | 72 |
| 83 | 62 | 64 | 66 | 67 | 68 | 70 | 71 | 72 | 73 | 74 |
| 84 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 |
| 85 | 67 | 68 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 |
| 86 | 69 | 70 | 72 | 73 | 74 | 75 | 76 | 77 | 77 | 78 |
| 87 | 71 | 72 | 73 | 75 | 76 | 76 | 77 | 78 | 79 | 80 |
| 88 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 80 | 81 |
| 89 | 74 | 76 | 77 | 78 | 79 | 79 | 80 | 81 | 81 | 82 |
| 90 | 76 | 77 | 78 | 79 | 80 | 81 | 81 | 82 | 83 | 83 |
| 91 | 78 | 79 | 79 | 80 | 81 | 82 | 83 | 83 | 84 | 84 |
| 92 | 79 | 80 | 81 | 82 | 82 | 83 | 84 | 84 | 85 | 85 |
| 93 | 80 | 81 | 82 | 83 | 83 | 84 | 85 | 85 | 86 | 86 |
| 94 | 81 | 82 | 83 | 84 | 84 | 85 | 85 | 86 | 86 | 87 |
| 95 | 82 | 83 | 84 | 85 | 85 | 86 | 86 | 87 | 87 | 88 |
| 96 | 83 | 84 | 85 | 86 | 86 | 87 | 87 | 88 | 88 | 88 |
| 97 | 84 | 85 | 86 | 86 | 87 | 87 | 88 | 88 | 89 | 89 |
| 98 | 85 | 86 | 87 | 87 | 88 | 88 | 89 | 89 | 89 | 90 |
| 99 | 86 | 87 | 87 | 88 | 88 | 89 | 89 | 90 | 90 | 90 |
| 100 | 87 | 88 | 88 | 89 | 89 | 90 | 90 | 90 | 91 | 91 |
| 101 | 88 | 89 | 89 | 90 | 90 | 90 | 91 | 91 | 91 | 92 |
| 102 | 89 | 89 | 90 | 90 | 91 | 91 | 91 | 92 | 92 | 92 |
| 103 | 90 | 90 | 91 | 91 | 91 | 92 | 92 | 92 | 93 | 93 |
| 104 | 91 | 91 | 91 | 92 | 92 | 92 | 93 | 93 | 93 | 93 |
| 105 | 91 | 92 | 92 | 92 | 93 | 93 | 93 | 94 | 94 | 94 |
| 106 | 92 | 93 | 93 | 93 | 93 | 94 | 94 | 94 | 94 | 95 |
| 107 | 93 | 93 | 94 | 94 | 94 | 94 | 95 | 95 | 95 | 95 |
| 108 | 94 | 94 | 94 | 94 | 95 | 95 | 95 | 95 | 95 | 96 |
| 109 | 94 | 95 | 95 | 95 | 95 | 95 | 96 | 96 | 96 | 96 |
| 110 | 95 | 95 | 95 | 96 | 96 | 96 | 96 | 96 | 96 | 96 |
| 111 | 96 | 96 | 96 | 96 | 96 | 96 | 97 | 97 | 97 | 97 |
| 112 | 96 | 96 | 96 | 97 | 97 | 97 | 97 | 97 | 97 | 97 |
| 113 | 97 | 97 | 97 | 97 | 97 | 97 | 97 | 98 | 98 | 98 |
| 114 | 97 | 97 | 97 | 98 | 98 | 98 | 98 | 98 | 98 | 98 |
| 115 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 |

Table VII—Percent Value of Refund Feature; Duration of Guaranteed Amount

| Age | Years— |
| --- | --- |
| 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 |
| 5 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 6 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 7 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 8 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 9 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 10 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 11 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 12 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 13 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 14 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 15 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 16 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 17 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 18 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 19 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| 20 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| 21 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| 22 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 |
| 23 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 24 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 25 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| 26 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 |
| 27 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 |
| 28 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
| 29 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 4 |
| 30 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 |
| 31 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 |
| 32 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 |
| 33 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 |
| 34 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 |
| 35 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 5 | 5 | 6 |
| 36 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 6 |
| 37 | 4 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | 6 | 7 |
| 38 | 4 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 |
| 39 | 4 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 |
| 40 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 8 | 9 |
| 41 | 5 | 5 | 6 | 6 | 7 | 7 | 8 | 9 | 9 | 10 |
| 42 | 6 | 6 | 6 | 7 | 7 | 8 | 9 | 9 | 10 | 11 |
| 43 | 6 | 7 | 7 | 8 | 8 | 9 | 9 | 10 | 11 | 12 |
| 44 | 7 | 7 | 8 | 8 | 9 | 10 | 10 | 11 | 12 | 13 |
| 45 | 7 | 8 | 8 | 9 | 10 | 10 | 11 | 12 | 13 | 14 |
| 46 | 8 | 9 | 9 | 10 | 11 | 11 | 12 | 13 | 14 | 15 |
| 47 | 9 | 9 | 10 | 11 | 12 | 12 | 13 | 14 | 15 | 16 |
| 48 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 |
| 49 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 |
| 50 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 20 | 21 |
| 51 | 12 | 13 | 14 | 15 | 16 | 17 | 19 | 20 | 21 | 22 |
| 52 | 13 | 14 | 15 | 17 | 18 | 19 | 20 | 21 | 23 | 24 |
| 53 | 15 | 16 | 17 | 18 | 19 | 20 | 22 | 23 | 24 | 26 |
| 54 | 16 | 17 | 18 | 19 | 21 | 22 | 23 | 25 | 26 | 28 |
| 55 | 17 | 18 | 20 | 21 | 22 | 24 | 25 | 27 | 28 | 30 |
| 56 | 19 | 20 | 21 | 23 | 24 | 26 | 27 | 29 | 30 | 32 |
| 57 | 20 | 22 | 23 | 25 | 26 | 28 | 29 | 31 | 32 | 34 |
| 58 | 22 | 24 | 25 | 27 | 28 | 30 | 31 | 33 | 34 | 36 |
| 59 | 24 | 25 | 27 | 28 | 30 | 32 | 33 | 35 | 36 | 38 |
| 60 | 26 | 27 | 29 | 31 | 32 | 34 | 35 | 37 | 38 | 40 |
| 61 | 28 | 29 | 31 | 33 | 34 | 36 | 37 | 39 | 40 | 42 |
| 62 | 30 | 32 | 33 | 35 | 36 | 38 | 40 | 41 | 42 | 44 |
| 63 | 32 | 34 | 35 | 37 | 39 | 40 | 42 | 43 | 45 | 46 |
| 64 | 34 | 36 | 38 | 39 | 41 | 42 | 44 | 45 | 47 | 48 |
| 65 | 37 | 38 | 40 | 42 | 43 | 45 | 46 | 47 | 49 | 50 |
| 66 | 39 | 41 | 42 | 44 | 45 | 47 | 48 | 50 | 51 | 52 |
| 67 | 41 | 43 | 45 | 46 | 48 | 49 | 50 | 52 | 53 | 54 |
| 68 | 44 | 45 | 47 | 48 | 50 | 51 | 52 | 54 | 55 | 56 |
| 69 | 46 | 48 | 49 | 51 | 52 | 53 | 54 | 56 | 57 | 58 |
| 70 | 48 | 50 | 51 | 53 | 54 | 55 | 57 | 58 | 59 | 60 |
| 71 | 51 | 52 | 54 | 55 | 56 | 57 | 59 | 60 | 61 | 62 |
| 72 | 53 | 54 | 56 | 57 | 58 | 59 | 60 | 62 | 62 | 63 |
| 73 | 55 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 74 | 57 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 |
| 75 | 59 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 |
| 76 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 69 | 70 |
| 77 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 70 | 71 | 72 |
| 78 | 66 | 67 | 68 | 69 | 70 | 70 | 71 | 72 | 73 | 73 |
| 79 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 73 | 74 | 75 |
| 80 | 69 | 70 | 71 | 72 | 73 | 74 | 74 | 75 | 76 | 76 |
| 81 | 71 | 72 | 73 | 74 | 74 | 75 | 76 | 76 | 77 | 78 |
| 82 | 73 | 74 | 74 | 75 | 76 | 77 | 77 | 78 | 78 | 79 |
| 83 | 74 | 75 | 76 | 77 | 77 | 78 | 79 | 79 | 80 | 80 |
| 84 | 76 | 77 | 77 | 78 | 79 | 79 | 80 | 80 | 81 | 81 |
| 85 | 78 | 78 | 79 | 79 | 80 | 81 | 81 | 82 | 82 | 83 |
| 86 | 79 | 80 | 80 | 81 | 81 | 82 | 82 | 83 | 83 | 84 |
| 87 | 80 | 81 | 81 | 82 | 83 | 83 | 83 | 84 | 84 | 85 |
| 88 | 82 | 82 | 83 | 83 | 84 | 84 | 85 | 85 | 85 | 86 |
| 89 | 83 | 83 | 84 | 84 | 85 | 85 | 85 | 86 | 86 | 87 |
| 90 | 84 | 84 | 85 | 85 | 86 | 86 | 86 | 87 | 87 | 87 |
| 91 | 85 | 85 | 86 | 86 | 87 | 87 | 87 | 88 | 88 | 88 |
| 92 | 86 | 86 | 87 | 87 | 87 | 88 | 88 | 88 | 89 | 89 |
| 93 | 87 | 87 | 87 | 88 | 88 | 88 | 89 | 89 | 89 | 90 |
| 94 | 87 | 88 | 88 | 88 | 89 | 89 | 89 | 90 | 90 | 90 |
| 95 | 88 | 88 | 89 | 89 | 89 | 90 | 90 | 90 | 91 | 91 |
| 96 | 89 | 89 | 89 | 90 | 90 | 90 | 91 | 91 | 91 | 91 |
| 97 | 89 | 90 | 90 | 90 | 91 | 91 | 91 | 91 | 92 | 92 |
| 98 | 90 | 90 | 91 | 91 | 91 | 91 | 92 | 92 | 92 | 92 |
| 99 | 91 | 91 | 91 | 92 | 92 | 92 | 92 | 92 | 93 | 93 |
| 100 | 91 | 92 | 92 | 92 | 92 | 92 | 93 | 93 | 93 | 93 |
| 101 | 92 | 92 | 92 | 93 | 93 | 93 | 93 | 93 | 94 | 94 |
| 102 | 92 | 93 | 93 | 93 | 93 | 94 | 94 | 94 | 94 | 94 |
| 103 | 93 | 93 | 93 | 94 | 94 | 94 | 94 | 94 | 94 | 95 |
| 104 | 94 | 94 | 94 | 94 | 94 | 95 | 95 | 95 | 95 | 95 |
| 105 | 94 | 94 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 |
| 106 | 95 | 95 | 95 | 95 | 95 | 95 | 96 | 96 | 96 | 96 |
| 107 | 95 | 95 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 |
| 108 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 97 | 97 |
| 109 | 96 | 96 | 96 | 97 | 97 | 97 | 97 | 97 | 97 | 97 |
| 110 | 97 | 97 | 97 | 97 | 97 | 97 | 97 | 97 | 97 | 97 |
| 111 | 97 | 97 | 97 | 97 | 97 | 97 | 98 | 98 | 98 | 98 |
| 112 | 97 | 97 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 |
| 113 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 |
| 114 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 98 | 99 |
| 115 | 98 | 98 | 98 | 99 | 99 | 99 | 99 | 99 | 99 | 99 |

Table VII—Percent Value of Refund Feature; Duration of Guaranteed Amount

| Age | Years— |
| --- | --- |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
| 5 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 6 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 7 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 8 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 9 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 10 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 11 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 12 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 13 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 14 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 15 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 16 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 17 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 18 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 19 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 20 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 21 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 22 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 23 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 24 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 25 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 26 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 27 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 28 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 29 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 30 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 31 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 32 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 33 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 34 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 35 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 36 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 10.0 |
| 37 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 9.9 |
| 38 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 9.9 |
| 39 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 9.0 | 9.9 |
| 40 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 41 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 42 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 8.0 | 8.9 | 9.9 |
| 43 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 44 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 45 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 7.0 | 7.9 | 8.9 | 9.9 |
| 46 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 47 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 48 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.9 |
| 49 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 6.0 | 6.9 | 7.9 | 8.9 | 9.8 |
| 50 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.9 | 9.8 |
| 51 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.9 | 9.8 |
| 52 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 53 | 1.0 | 2.0 | 3.0 | 4.0 | 5.0 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 54 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.9 | 8.8 | 9.8 |
| 55 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 56 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 57 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.8 | 9.7 |
| 58 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.9 | 7.8 | 8.7 | 9.7 |
| 59 | 1.0 | 2.0 | 3.0 | 4.0 | 4.9 | 5.9 | 6.8 | 7.8 | 8.7 | 9.6 |
| 60 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.8 | 8.7 | 9.6 |
| 61 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.9 | 6.8 | 7.7 | 8.7 | 9.6 |
| 62 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.8 | 7.7 | 8.6 | 9.5 |
| 63 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.8 | 7.7 | 8.6 | 9.5 |
| 64 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.7 | 7.6 | 8.5 | 9.4 |
| 65 | 1.0 | 2.0 | 3.0 | 3.9 | 4.9 | 5.8 | 6.7 | 7.6 | 8.5 | 9.3 |
| 66 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.8 | 6.7 | 7.6 | 8.4 | 9.3 |
| 67 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.5 | 8.4 | 9.2 |
| 68 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.5 | 8.3 | 9.1 |
| 69 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.7 | 6.6 | 7.4 | 8.2 | 9.0 |
| 70 | 1.0 | 2.0 | 2.9 | 3.9 | 4.8 | 5.6 | 6.5 | 7.3 | 8.1 | 8.9 |
| 71 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.6 | 6.5 | 7.3 | 8.1 | 8.8 |
| 72 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.6 | 6.4 | 7.2 | 8.0 | 8.7 |
| 73 | 1.0 | 2.0 | 2.9 | 3.8 | 4.7 | 5.5 | 6.3 | 7.1 | 7.9 | 8.6 |
| 74 | 1.0 | 1.9 | 2.9 | 3.8 | 4.6 | 5.5 | 6.3 | 7.0 | 7.7 | 8.4 |
| 75 | 1.0 | 1.9 | 2.9 | 3.8 | 4.6 | 5.4 | 6.2 | 6.9 | 7.6 | 8.3 |
| 76 | 1.0 | 1.9 | 2.8 | 3.7 | 4.6 | 5.4 | 6.1 | 6.8 | 7.5 | 8.1 |
| 77 | 1.0 | 1.9 | 2.8 | 3.7 | 4.5 | 5.3 | 6.0 | 6.7 | 7.3 | 7.9 |
| 78 | 1.0 | 1.9 | 2.8 | 3.7 | 4.5 | 5.2 | 5.9 | 6.6 | 7.2 | 7.7 |
| 79 | 1.0 | 1.9 | 2.8 | 3.6 | 4.4 | 5.1 | 5.8 | 6.4 | 7.0 | 7.5 |
| 80 | 1.0 | 1.9 | 2.8 | 3.6 | 4.4 | 5.1 | 5.7 | 6.3 | 6.8 | 7.3 |
| 81 | 1.0 | 1.9 | 2.8 | 3.6 | 4.3 | 5.0 | 5.6 | 6.1 | 6.6 | 7.0 |
| 82 | 1.0 | 1.9 | 2.7 | 3.5 | 4.2 | 4.9 | 5.4 | 6.0 | 6.4 | 6.8 |
| 83 | 1.0 | 1.9 | 2.7 | 3.5 | 4.1 | 4.8 | 5.3 | 5.8 | 6.2 | 6.5 |
| 84 | 1.0 | 1.8 | 2.7 | 3.4 | 4.1 | 4.6 | 5.2 | 5.6 | 6.0 | 6.3 |
| 85 | 1.0 | 1.8 | 2.6 | 3.3 | 4.0 | 4.5 | 5.0 | 5.4 | 5.7 | 6.0 |
| 86 | 1.0 | 1.8 | 2.6 | 3.3 | 3.9 | 4.4 | 4.8 | 5.2 | 5.5 | 5.7 |
| 87 | .9 | 1.8 | 2.5 | 3.2 | 3.8 | 4.3 | 4.7 | 5.0 | 5.3 | 5.5 |
| 88 | .9 | 1.8 | 2.5 | 3.1 | 3.7 | 4.1 | 4.5 | 4.8 | 5.0 | 5.2 |
| 89 | .9 | 1.8 | 2.5 | 3.1 | 3.6 | 4.0 | 4.3 | 4.6 | 4.8 | 4.9 |
| 90 | .9 | 1.7 | 2.4 | 3.0 | 3.4 | 3.8 | 4.1 | 4.4 | 4.5 | 4.7 |
| 91 | .9 | 1.7 | 2.4 | 2.9 | 3.3 | 3.7 | 4.0 | 4.2 | 4.3 | 4.4 |
| 92 | .9 | 1.7 | 2.3 | 2.8 | 3.2 | 3.5 | 3.8 | 4.0 | 4.1 | 4.2 |
| 93 | .9 | 1.7 | 2.3 | 2.7 | 3.1 | 3.4 | 3.6 | 3.8 | 3.9 | 4.0 |
| 94 | .9 | 1.6 | 2.2 | 2.7 | 3.0 | 3.3 | 3.5 | 3.6 | 3.7 | 3.8 |
| 95 | .9 | 1.6 | 2.2 | 2.6 | 2.9 | 3.1 | 3.3 | 3.4 | 3.5 | 3.6 |
| 96 | .9 | 1.6 | 2.1 | 2.5 | 2.8 | 3.0 | 3.2 | 3.3 | 3.3 | 3.4 |
| 97 | .9 | 1.6 | 2.1 | 2.4 | 2.7 | 2.9 | 3.0 | 3.1 | 3.2 | 3.2 |
| 98 | .9 | 1.5 | 2.0 | 2.4 | 2.6 | 2.8 | 2.9 | 3.0 | 3.0 | 3.0 |
| 99 | .9 | 1.5 | 2.0 | 2.3 | 2.5 | 2.6 | 2.7 | 2.8 | 2.8 | 2.8 |
| 100 | .9 | 1.5 | 1.9 | 2.2 | 2.4 | 2.5 | 2.6 | 2.6 | 2.6 | 2.7 |
| 101 | .8 | 1.4 | 1.8 | 2.1 | 2.3 | 2.4 | 2.4 | 2.5 | 2.5 | 2.5 |
| 102 | .8 | 1.4 | 1.8 | 2.0 | 2.1 | 2.2 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | .8 | 1.4 | 1.7 | 1.9 | 2.0 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | .8 | 1.3 | 1.6 | 1.8 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | .8 | 1.3 | 1.5 | 1.7 | 1.7 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | .8 | 1.2 | 1.4 | 1.5 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | .7 | 1.1 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | .7 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | .7 | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | .7 | .9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .6 | .8 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .6 | .7 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .6 | .6 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .5 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples

[See footnote at end of tables]

Temporary Period—Maximum Duration of Annuity

| Age | Years— |
| --- | --- |
| 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 |
| 5 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 19.0 | 19.9 |
| 6 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 19.0 | 19.9 |
| 7 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 19.0 | 19.9 |
| 8 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 18.9 | 19.9 |
| 9 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 18.9 | 19.9 |
| 10 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 18.0 | 18.9 | 19.9 |
| 11 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 17.9 | 18.9 | 19.9 |
| 12 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 17.9 | 18.9 | 19.9 |
| 13 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 17.0 | 17.9 | 18.9 | 19.9 |
| 14 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 16.9 | 17.9 | 18.9 | 19.9 |
| 15 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 16.9 | 17.9 | 18.9 | 19.9 |
| 16 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 16.0 | 16.9 | 17.9 | 18.9 | 19.9 |
| 17 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 18 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 19 | 11.0 | 12.0 | 13.0 | 14.0 | 15.0 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 20 | 11.0 | 12.0 | 13.0 | 14.0 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 21 | 11.0 | 12.0 | 13.0 | 14.0 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 22 | 11.0 | 12.0 | 13.0 | 14.0 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 23 | 11.0 | 12.0 | 13.0 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 24 | 11.0 | 12.0 | 13.0 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 25 | 11.0 | 12.0 | 13.0 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 26 | 11.0 | 12.0 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 27 | 11.0 | 12.0 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.9 |
| 28 | 11.0 | 12.0 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.8 |
| 29 | 11.0 | 12.0 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.9 | 19.8 |
| 30 | 11.0 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.8 | 19.8 |
| 31 | 11.0 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.9 | 18.8 | 19.8 |
| 32 | 11.0 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.8 | 18.8 | 19.8 |
| 33 | 11.0 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.9 | 17.8 | 18.8 | 19.8 |
| 34 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.8 | 17.8 | 18.8 | 19.8 |
| 35 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.9 | 16.8 | 17.8 | 18.8 | 19.7 |
| 36 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.8 | 19.7 |
| 37 | 10.9 | 11.9 | 12.9 | 13.9 | 14.9 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| 38 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.8 | 18.7 | 19.7 |
| 39 | 10.9 | 11.9 | 12.9 | 13.9 | 14.8 | 15.8 | 16.8 | 17.7 | 18.7 | 19.6 |
| 40 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.7 | 17.7 | 18.7 | 19.6 |
| 41 | 10.9 | 11.9 | 12.9 | 13.8 | 14.8 | 15.8 | 16.7 | 17.7 | 18.6 | 19.6 |
| 42 | 10.9 | 11.9 | 12.8 | 13.8 | 14.8 | 15.7 | 16.7 | 17.6 | 18.6 | 19.5 |
| 43 | 10.9 | 11.9 | 12.8 | 13.8 | 14.8 | 15.7 | 16.7 | 17.6 | 18.6 | 19.5 |
| 44 | 10.9 | 11.8 | 12.8 | 13.8 | 14.7 | 15.7 | 16.6 | 17.6 | 18.5 | 19.4 |
| 45 | 10.9 | 11.8 | 12.8 | 13.8 | 14.7 | 15.7 | 16.6 | 17.5 | 18.5 | 19.4 |
| 46 | 10.9 | 11.8 | 12.8 | 13.7 | 14.7 | 15.6 | 16.6 | 17.5 | 18.4 | 19.3 |
| 47 | 10.8 | 11.8 | 12.8 | 13.7 | 14.7 | 15.6 | 16.5 | 17.5 | 18.4 | 19.3 |
| 48 | 10.8 | 11.8 | 12.7 | 13.7 | 14.6 | 15.6 | 16.5 | 17.4 | 18.3 | 19.2 |
| 49 | 10.8 | 11.8 | 12.7 | 13.7 | 14.6 | 15.5 | 16.4 | 17.4 | 18.3 | 19.2 |
| 50 | 10.8 | 11.7 | 12.7 | 13.6 | 14.6 | 15.5 | 16.4 | 17.3 | 18.2 | 19.1 |
| 51 | 10.8 | 11.7 | 12.7 | 13.6 | 14.5 | 15.4 | 16.3 | 17.2 | 18.1 | 19.0 |
| 52 | 10.8 | 11.7 | 12.6 | 13.6 | 14.5 | 15.4 | 16.3 | 17.2 | 18.0 | 18.9 |
| 53 | 10.7 | 11.7 | 12.6 | 13.5 | 14.4 | 15.3 | 16.2 | 17.1 | 18.0 | 18.8 |
| 54 | 10.7 | 11.6 | 12.6 | 13.5 | 14.4 | 15.3 | 16.2 | 17.0 | 17.9 | 18.7 |
| 55 | 10.7 | 11.6 | 12.5 | 13.4 | 14.3 | 15.2 | 16.1 | 16.9 | 17.8 | 18.6 |
| 56 | 10.7 | 11.6 | 12.5 | 13.4 | 14.3 | 15.1 | 16.0 | 16.8 | 17.6 | 18.4 |
| 57 | 10.6 | 11.5 | 12.4 | 13.3 | 14.2 | 15.1 | 15.9 | 16.7 | 17.5 | 18.3 |
| 58 | 10.6 | 11.5 | 12.4 | 13.3 | 14.1 | 15.0 | 15.8 | 16.6 | 17.4 | 18.1 |
| 59 | 10.6 | 11.4 | 12.3 | 13.2 | 14.0 | 14.9 | 15.7 | 16.4 | 17.2 | 17.9 |
| 60 | 10.5 | 11.4 | 12.3 | 13.1 | 13.9 | 14.7 | 15.5 | 16.3 | 17.0 | 17.7 |
| 61 | 10.5 | 11.3 | 12.2 | 13.0 | 13.8 | 14.6 | 15.4 | 16.1 | 16.8 | 17.5 |
| 62 | 10.4 | 11.3 | 12.1 | 12.9 | 13.7 | 14.5 | 15.2 | 15.9 | 16.6 | 17.2 |
| 63 | 10.3 | 11.2 | 12.0 | 12.8 | 13.6 | 14.3 | 15.0 | 15.7 | 16.3 | 17.0 |
| 64 | 10.3 | 11.1 | 11.9 | 12.7 | 13.4 | 14.1 | 14.8 | 15.5 | 16.1 | 16.7 |
| 65 | 10.2 | 11.0 | 11.8 | 12.5 | 13.2 | 13.9 | 14.6 | 15.2 | 15.8 | 16.3 |
| 66 | 10.1 | 10.9 | 11.6 | 12.4 | 13.1 | 13.7 | 14.4 | 14.9 | 15.5 | 16.0 |
| 67 | 10.0 | 10.8 | 11.5 | 12.2 | 12.9 | 13.5 | 14.1 | 14.7 | 15.2 | 15.6 |
| 68 | 9.9 | 10.6 | 11.4 | 12.0 | 12.7 | 13.3 | 13.8 | 14.3 | 14.8 | 15.3 |
| 69 | 9.8 | 10.5 | 11.2 | 11.8 | 12.4 | 13.0 | 13.5 | 14.0 | 14.4 | 14.8 |
| 70 | 9.6 | 10.3 | 11.0 | 11.6 | 12.2 | 12.7 | 13.2 | 13.7 | 14.0 | 14.4 |
| 71 | 9.5 | 10.2 | 10.8 | 11.4 | 11.9 | 12.4 | 12.9 | 13.3 | 13.6 | 13.9 |
| 72 | 9.4 | 10.0 | 10.6 | 11.2 | 11.7 | 12.1 | 12.5 | 12.9 | 13.2 | 13.5 |
| 73 | 9.2 | 9.8 | 10.4 | 10.9 | 11.4 | 11.8 | 12.1 | 12.5 | 12.7 | 13.0 |
| 74 | 9.0 | 9.6 | 10.1 | 10.6 | 11.0 | 11.4 | 11.7 | 12.0 | 12.3 | 12.5 |
| 75 | 8.8 | 9.4 | 9.9 | 10.3 | 10.7 | 11.0 | 11.3 | 11.6 | 11.8 | 12.0 |
| 76 | 8.6 | 9.1 | 9.6 | 10.0 | 10.3 | 10.6 | 10.9 | 11.1 | 11.3 | 11.4 |
| 77 | 8.4 | 8.9 | 9.3 | 9.7 | 10.0 | 10.2 | 10.5 | 10.6 | 10.8 | 10.9 |
| 78 | 8.2 | 8.6 | 9.0 | 9.3 | 9.6 | 9.8 | 10.0 | 10.2 | 10.3 | 10.4 |
| 79 | 7.9 | 8.3 | 8.7 | 9.0 | 9.2 | 9.4 | 9.5 | 9.7 | 9.8 | 9.8 |
| 80 | 7.7 | 8.0 | 8.3 | 8.6 | 8.8 | 9.0 | 9.1 | 9.2 | 9.3 | 9.3 |
| 81 | 7.4 | 7.7 | 8.0 | 8.2 | 8.4 | 8.5 | 8.6 | 8.7 | 8.8 | 8.8 |
| 82 | 7.1 | 7.4 | 7.6 | 7.8 | 8.0 | 8.1 | 8.2 | 8.2 | 8.3 | 8.3 |
| 83 | 6.8 | 7.1 | 7.3 | 7.4 | 7.5 | 7.6 | 7.7 | 7.8 | 7.8 | 7.8 |
| 84 | 6.5 | 6.7 | 6.9 | 7.0 | 7.1 | 7.2 | 7.3 | 7.3 | 7.3 | 7.4 |
| 85 | 6.2 | 6.4 | 6.6 | 6.7 | 6.7 | 6.8 | 6.8 | 6.9 | 6.9 | 6.9 |
| 86 | 5.9 | 6.1 | 6.2 | 6.3 | 6.4 | 6.4 | 6.4 | 6.5 | 6.5 | 6.5 |
| 87 | 5.6 | 5.8 | 5.9 | 5.9 | 6.0 | 6.0 | 6.0 | 6.1 | 6.1 | 6.1 |
| 88 | 5.3 | 5.4 | 5.5 | 5.6 | 5.6 | 5.6 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.1 | 5.1 | 5.2 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 4.8 | 4.9 | 4.9 | 4.9 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.5 | 4.6 | 4.6 | 4.6 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.3 | 4.3 | 4.3 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.0 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.8 | 3.8 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.6 | 3.6 | 3.6 | 3.6 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples

[See footnote at end of tables]

Temporary Period—Maximum Duration of Annuity

| Age | Years— |
| --- | --- |
| 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 |
| 5 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.9 | 29.9 |
| 6 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.9 | 29.9 |
| 7 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.9 | 29.9 |
| 8 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.9 | 29.8 |
| 9 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.9 | 29.8 |
| 10 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.8 | 29.8 |
| 11 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.9 | 28.8 | 29.8 |
| 12 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.8 | 28.8 | 29.8 |
| 13 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.9 | 27.8 | 28.8 | 29.8 |
| 14 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.8 | 27.8 | 28.8 | 29.8 |
| 15 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.9 | 26.8 | 27.8 | 28.8 | 29.8 |
| 16 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.8 | 26.8 | 27.8 | 28.8 | 29.8 |
| 17 | 20.9 | 21.9 | 22.9 | 23.9 | 24.9 | 25.8 | 26.8 | 27.8 | 28.8 | 29.8 |
| 18 | 20.9 | 21.9 | 22.9 | 23.9 | 24.8 | 25.8 | 26.8 | 27.8 | 28.8 | 29.7 |
| 19 | 20.9 | 21.9 | 22.9 | 23.9 | 24.8 | 25.8 | 26.8 | 27.8 | 28.8 | 29.7 |
| 20 | 20.9 | 21.9 | 22.9 | 23.8 | 24.8 | 25.8 | 26.8 | 27.8 | 28.7 | 29.7 |
| 21 | 20.9 | 21.9 | 22.9 | 23.8 | 24.8 | 25.8 | 26.8 | 27.8 | 28.7 | 29.7 |
| 22 | 20.9 | 21.9 | 22.8 | 23.8 | 24.8 | 25.8 | 26.8 | 27.7 | 28.7 | 29.7 |
| 23 | 20.9 | 21.9 | 22.8 | 23.8 | 24.8 | 25.8 | 26.7 | 27.7 | 28.7 | 29.7 |
| 24 | 20.9 | 21.8 | 22.8 | 23.8 | 24.8 | 25.8 | 26.7 | 27.7 | 28.7 | 29.6 |
| 25 | 20.9 | 21.8 | 22.8 | 23.8 | 24.8 | 25.7 | 26.7 | 27.7 | 28.6 | 29.6 |
| 26 | 20.8 | 21.8 | 22.8 | 23.8 | 24.8 | 25.7 | 26.7 | 27.7 | 28.6 | 29.6 |
| 27 | 20.8 | 21.8 | 22.8 | 23.8 | 24.7 | 25.7 | 26.7 | 27.6 | 28.6 | 29.5 |
| 28 | 20.8 | 21.8 | 22.8 | 23.7 | 24.7 | 25.7 | 26.6 | 27.6 | 28.6 | 29.5 |
| 29 | 20.8 | 21.8 | 22.8 | 23.7 | 24.7 | 25.7 | 26.6 | 27.6 | 28.5 | 29.5 |
| 30 | 20.8 | 21.8 | 22.7 | 23.7 | 24.7 | 25.6 | 26.6 | 27.5 | 28.5 | 29.4 |
| 31 | 20.8 | 21.8 | 22.7 | 23.7 | 24.6 | 25.6 | 26.6 | 27.5 | 28.4 | 29.4 |
| 32 | 20.8 | 21.7 | 22.7 | 23.7 | 24.6 | 25.6 | 26.5 | 27.5 | 28.4 | 29.3 |
| 33 | 20.8 | 21.7 | 22.7 | 23.6 | 24.6 | 25.5 | 26.5 | 27.4 | 28.4 | 29.3 |
| 34 | 20.7 | 21.7 | 22.7 | 23.6 | 24.6 | 25.5 | 26.4 | 27.4 | 28.3 | 29.2 |
| 35 | 20.7 | 21.7 | 22.6 | 23.6 | 24.5 | 25.5 | 26.4 | 27.3 | 28.2 | 29.2 |
| 36 | 20.7 | 21.6 | 22.6 | 23.5 | 24.5 | 25.4 | 26.3 | 27.3 | 28.2 | 29.1 |
| 37 | 20.7 | 21.6 | 22.6 | 23.5 | 24.4 | 25.4 | 26.3 | 27.2 | 28.1 | 29.0 |
| 38 | 20.6 | 21.6 | 22.5 | 23.4 | 24.4 | 25.3 | 26.2 | 27.1 | 28.0 | 28.9 |
| 39 | 20.6 | 21.5 | 22.5 | 23.4 | 24.3 | 25.2 | 26.1 | 27.0 | 27.9 | 28.8 |
| 40 | 20.6 | 21.5 | 22.4 | 23.3 | 24.3 | 25.2 | 26.1 | 27.0 | 27.8 | 28.7 |
| 41 | 20.5 | 21.4 | 22.4 | 23.3 | 24.2 | 25.1 | 26.0 | 26.9 | 27.7 | 28.6 |
| 42 | 20.5 | 21.4 | 22.3 | 23.2 | 24.1 | 25.0 | 25.9 | 26.8 | 27.6 | 28.5 |
| 43 | 20.4 | 21.3 | 22.2 | 23.2 | 24.0 | 24.9 | 25.8 | 26.6 | 27.5 | 28.3 |
| 44 | 20.4 | 21.3 | 22.2 | 23.1 | 24.0 | 24.8 | 25.7 | 26.5 | 27.3 | 28.2 |
| 45 | 20.3 | 21.2 | 22.1 | 23.0 | 23.9 | 24.7 | 25.6 | 26.4 | 27.2 | 28.0 |
| 46 | 20.2 | 21.1 | 22.0 | 22.9 | 23.8 | 24.6 | 25.4 | 26.2 | 27.0 | 27.8 |
| 47 | 20.2 | 21.1 | 21.9 | 22.8 | 23.6 | 24.5 | 25.3 | 26.1 | 26.8 | 27.6 |
| 48 | 20.1 | 21.0 | 21.8 | 22.7 | 23.5 | 24.3 | 25.1 | 25.9 | 26.6 | 27.4 |
| 49 | 20.0 | 20.9 | 21.7 | 22.6 | 23.4 | 24.2 | 25.0 | 25.7 | 26.4 | 27.1 |
| 50 | 19.9 | 20.8 | 21.6 | 22.4 | 23.2 | 24.0 | 24.8 | 25.5 | 26.2 | 26.9 |
| 51 | 19.8 | 20.7 | 21.5 | 22.3 | 23.1 | 23.8 | 24.6 | 25.3 | 25.9 | 26.6 |
| 52 | 19.7 | 20.6 | 21.4 | 22.1 | 22.9 | 23.6 | 24.3 | 25.0 | 25.7 | 26.3 |
| 53 | 19.6 | 20.4 | 21.2 | 22.0 | 22.7 | 23.4 | 24.1 | 24.7 | 25.3 | 25.9 |
| 54 | 19.5 | 20.3 | 21.0 | 21.8 | 22.5 | 23.2 | 23.8 | 24.4 | 25.0 | 25.6 |
| 55 | 19.3 | 20.1 | 20.8 | 21.6 | 22.2 | 22.9 | 23.5 | 24.1 | 24.6 | 25.2 |
| 56 | 19.2 | 19.9 | 20.6 | 21.3 | 22.0 | 22.6 | 23.2 | 23.7 | 24.3 | 24.7 |
| 57 | 19.0 | 19.7 | 20.4 | 21.1 | 21.7 | 22.3 | 22.8 | 23.4 | 23.8 | 24.3 |
| 58 | 18.8 | 19.5 | 20.2 | 20.8 | 21.4 | 21.9 | 22.5 | 22.9 | 23.4 | 23.8 |
| 59 | 18.6 | 19.3 | 19.9 | 20.5 | 21.1 | 21.6 | 22.0 | 22.5 | 22.9 | 23.2 |
| 60 | 18.4 | 19.0 | 19.6 | 20.2 | 20.7 | 21.2 | 21.6 | 22.0 | 22.4 | 22.7 |
| 61 | 18.1 | 18.7 | 19.3 | 19.8 | 20.3 | 20.7 | 21.1 | 21.5 | 21.8 | 22.1 |
| 62 | 17.8 | 18.4 | 18.9 | 19.4 | 19.9 | 20.3 | 20.6 | 21.0 | 21.2 | 21.5 |
| 63 | 17.5 | 18.1 | 18.5 | 19.0 | 19.4 | 19.8 | 20.1 | 20.4 | 20.6 | 20.8 |
| 64 | 17.2 | 17.7 | 18.1 | 18.6 | 18.9 | 19.3 | 19.5 | 19.8 | 20.0 | 20.2 |
| 65 | 16.8 | 17.3 | 17.7 | 18.1 | 18.4 | 18.7 | 18.9 | 19.2 | 19.3 | 19.5 |
| 66 | 16.5 | 16.9 | 17.3 | 17.6 | 17.9 | 18.1 | 18.3 | 18.5 | 18.7 | 18.8 |
| 67 | 16.1 | 16.4 | 16.8 | 17.1 | 17.3 | 17.5 | 17.7 | 17.9 | 18.0 | 18.1 |
| 68 | 15.6 | 16.0 | 16.3 | 16.5 | 16.7 | 16.9 | 17.1 | 17.2 | 17.3 | 17.4 |
| 69 | 15.2 | 15.5 | 15.7 | 16.0 | 16.1 | 16.3 | 16.4 | 16.5 | 16.6 | 16.7 |
| 70 | 14.7 | 15.0 | 15.2 | 15.4 | 15.5 | 15.7 | 15.8 | 15.8 | 15.9 | 15.9 |
| 71 | 14.2 | 14.4 | 14.6 | 14.8 | 14.9 | 15.0 | 15.1 | 15.2 | 15.2 | 15.2 |
| 72 | 13.7 | 13.9 | 14.1 | 14.2 | 14.3 | 14.4 | 14.4 | 14.5 | 14.5 | 14.5 |
| 73 | 13.2 | 13.3 | 13.5 | 13.6 | 13.7 | 13.7 | 13.8 | 13.8 | 13.8 | 13.9 |
| 74 | 12.6 | 12.8 | 12.9 | 13.0 | 13.0 | 13.1 | 13.1 | 13.1 | 13.2 | 13.2 |
| 75 | 12.1 | 12.2 | 12.3 | 12.4 | 12.4 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 |
| 76 | 11.5 | 11.6 | 11.7 | 11.8 | 11.8 | 11.8 | 11.8 | 11.9 | 11.9 | 11.9 |
| 77 | 11.0 | 11.1 | 11.1 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 |
| 78 | 10.4 | 10.5 | 10.5 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 |
| 79 | 9.9 | 9.9 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| 80 | 9.4 | 9.4 | 9.4 | 9.4 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 |
| 81 | 8.8 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 |
| 82 | 8.3 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 |
| 83 | 7.8 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 |
| 84 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 |
| 87 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |

Table VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples

[See footnote at end of tables]

Temporary Period—Maximum Duration of Annuity

| Age | Years— |
| --- | --- |
| 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 |
| 5 | 30.8 | 31.8 | 32.8 | 33.8 | 34.8 | 35.8 | 36.8 | 37.7 | 38.7 | 39.7 |
| 6 | 30.8 | 31.8 | 32.8 | 33.8 | 34.8 | 35.8 | 36.8 | 37.7 | 38.7 | 39.7 |
| 7 | 30.8 | 31.8 | 32.8 | 33.8 | 34.8 | 35.8 | 36.7 | 37.7 | 38.7 | 39.7 |
| 8 | 30.8 | 31.8 | 32.8 | 33.8 | 34.8 | 35.7 | 36.7 | 37.7 | 38.7 | 39.7 |
| 9 | 30.8 | 31.8 | 32.8 | 33.8 | 34.8 | 35.7 | 36.7 | 37.7 | 38.7 | 39.6 |
| 10 | 30.8 | 31.8 | 32.8 | 33.8 | 34.7 | 35.7 | 36.7 | 37.7 | 38.6 | 39.6 |
| 11 | 30.8 | 31.8 | 32.8 | 33.8 | 34.7 | 35.7 | 36.7 | 37.7 | 38.6 | 39.6 |
| 12 | 30.8 | 31.8 | 32.8 | 33.7 | 34.7 | 35.7 | 36.7 | 37.6 | 38.6 | 39.6 |
| 13 | 30.8 | 31.8 | 32.7 | 33.7 | 34.7 | 35.7 | 36.6 | 37.6 | 38.6 | 39.5 |
| 14 | 30.8 | 31.8 | 32.7 | 33.7 | 34.7 | 35.7 | 36.6 | 37.6 | 38.6 | 39.5 |
| 15 | 30.8 | 31.7 | 32.7 | 33.7 | 34.7 | 35.6 | 36.6 | 37.6 | 38.5 | 39.5 |
| 16 | 30.8 | 31.7 | 32.7 | 33.7 | 34.6 | 35.6 | 36.6 | 37.5 | 38.5 | 39.4 |
| 17 | 30.7 | 31.7 | 32.7 | 33.7 | 34.6 | 35.6 | 36.5 | 37.5 | 38.5 | 39.4 |
| 18 | 30.7 | 31.7 | 32.7 | 33.6 | 34.6 | 35.6 | 36.5 | 37.5 | 38.4 | 39.4 |
| 19 | 30.7 | 31.7 | 32.6 | 33.6 | 34.6 | 35.5 | 36.5 | 37.4 | 38.4 | 39.3 |
| 20 | 30.7 | 31.7 | 32.6 | 33.6 | 34.5 | 35.5 | 36.4 | 37.4 | 38.3 | 39.3 |
| 21 | 30.7 | 31.6 | 32.6 | 33.6 | 34.5 | 35.5 | 36.4 | 37.4 | 38.3 | 39.2 |
| 22 | 30.6 | 31.6 | 32.6 | 33.5 | 34.5 | 35.4 | 36.4 | 37.3 | 38.2 | 39.2 |
| 23 | 30.6 | 31.6 | 32.5 | 33.5 | 34.4 | 35.4 | 36.3 | 37.3 | 38.2 | 39.1 |
| 24 | 30.6 | 31.5 | 32.5 | 33.5 | 34.4 | 35.3 | 36.3 | 37.2 | 38.1 | 39.0 |
| 25 | 30.6 | 31.5 | 32.5 | 33.4 | 34.3 | 35.3 | 36.2 | 37.1 | 38.1 | 39.0 |
| 26 | 30.5 | 31.5 | 32.4 | 33.4 | 34.3 | 35.2 | 36.2 | 37.1 | 38.0 | 38.9 |
| 27 | 30.5 | 31.4 | 32.4 | 33.3 | 34.2 | 35.2 | 36.1 | 37.0 | 37.9 | 38.8 |
| 28 | 30.5 | 31.4 | 32.3 | 33.3 | 34.2 | 35.1 | 36.0 | 36.9 | 37.8 | 38.7 |
| 29 | 30.4 | 31.4 | 32.3 | 33.2 | 34.1 | 35.0 | 35.9 | 36.8 | 37.7 | 38.6 |
| 30 | 30.4 | 31.3 | 32.2 | 33.1 | 34.1 | 35.0 | 35.8 | 36.7 | 37.6 | 38.5 |
| 31 | 30.3 | 31.2 | 32.2 | 33.1 | 34.0 | 34.9 | 35.8 | 36.6 | 37.5 | 38.3 |
| 32 | 30.3 | 31.2 | 32.1 | 33.0 | 33.9 | 34.8 | 35.6 | 36.5 | 37.4 | 38.2 |
| 33 | 30.2 | 31.1 | 32.0 | 32.9 | 33.8 | 34.7 | 35.5 | 36.4 | 37.2 | 38.0 |
| 34 | 30.1 | 31.0 | 31.9 | 32.8 | 33.7 | 34.6 | 35.4 | 36.2 | 37.1 | 37.9 |
| 35 | 30.1 | 31.0 | 31.8 | 32.7 | 33.6 | 34.4 | 35.3 | 36.1 | 36.9 | 37.7 |
| 36 | 30.0 | 30.9 | 31.7 | 32.6 | 33.5 | 34.3 | 35.1 | 35.9 | 36.7 | 37.4 |
| 37 | 29.9 | 30.8 | 31.6 | 32.5 | 33.3 | 34.1 | 34.9 | 35.7 | 36.5 | 37.2 |
| 38 | 29.8 | 30.7 | 31.5 | 32.3 | 33.2 | 34.0 | 34.7 | 35.5 | 36.2 | 37.0 |
| 39 | 29.7 | 30.5 | 31.4 | 32.2 | 33.0 | 33.8 | 34.5 | 35.3 | 36.0 | 36.7 |
| 40 | 29.6 | 30.4 | 31.2 | 32.0 | 32.8 | 33.6 | 34.3 | 35.0 | 35.7 | 36.4 |
| 41 | 29.4 | 30.2 | 31.0 | 31.8 | 32.6 | 33.3 | 34.1 | 34.7 | 35.4 | 36.0 |
| 42 | 29.3 | 30.1 | 30.9 | 31.6 | 32.4 | 33.1 | 33.8 | 34.4 | 35.1 | 35.7 |
| 43 | 29.1 | 29.9 | 30.7 | 31.4 | 32.1 | 32.8 | 33.5 | 34.1 | 34.7 | 35.3 |
| 44 | 28.9 | 29.7 | 30.5 | 31.2 | 31.9 | 32.5 | 33.2 | 33.8 | 34.3 | 34.9 |
| 45 | 28.8 | 29.5 | 30.2 | 30.9 | 31.6 | 32.2 | 32.8 | 33.4 | 33.9 | 34.4 |
| 46 | 28.5 | 29.3 | 30.0 | 30.6 | 31.3 | 31.9 | 32.4 | 33.0 | 33.5 | 33.9 |
| 47 | 28.3 | 29.0 | 29.7 | 30.3 | 30.9 | 31.5 | 32.0 | 32.5 | 33.0 | 33.4 |
| 48 | 28.1 | 28.7 | 29.4 | 30.0 | 30.6 | 31.1 | 31.6 | 32.1 | 32.5 | 32.9 |
| 49 | 27.8 | 28.4 | 29.0 | 29.6 | 30.2 | 30.7 | 31.1 | 31.5 | 31.9 | 32.3 |
| 50 | 27.5 | 28.1 | 28.7 | 29.2 | 29.7 | 30.2 | 30.6 | 31.0 | 31.4 | 31.7 |
| 51 | 27.2 | 27.8 | 28.3 | 28.8 | 29.3 | 29.7 | 30.1 | 30.4 | 30.7 | 31.0 |
| 52 | 26.8 | 27.4 | 27.9 | 28.4 | 28.8 | 29.2 | 29.5 | 29.8 | 30.1 | 30.3 |
| 53 | 26.5 | 27.0 | 27.4 | 27.9 | 28.3 | 28.6 | 28.9 | 29.2 | 29.4 | 29.6 |
| 54 | 26.1 | 26.5 | 27.0 | 27.4 | 27.7 | 28.0 | 28.3 | 28.5 | 28.7 | 28.9 |
| 55 | 25.6 | 26.1 | 26.5 | 26.8 | 27.1 | 27.4 | 27.6 | 27.8 | 28.0 | 28.1 |
| 56 | 25.2 | 25.6 | 25.9 | 26.2 | 26.5 | 26.7 | 26.9 | 27.1 | 27.2 | 27.3 |
| 57 | 24.7 | 25.0 | 25.3 | 25.6 | 25.8 | 26.0 | 26.2 | 26.3 | 26.5 | 26.5 |
| 58 | 24.1 | 24.4 | 24.7 | 25.0 | 25.2 | 25.3 | 25.5 | 25.6 | 25.7 | 25.7 |
| 59 | 23.6 | 23.8 | 24.1 | 24.3 | 24.4 | 24.6 | 24.7 | 24.8 | 24.9 | 24.9 |
| 60 | 23.0 | 23.2 | 23.4 | 23.6 | 23.7 | 23.8 | 23.9 | 24.0 | 24.0 | 24.1 |
| 61 | 22.3 | 22.5 | 22.7 | 22.9 | 23.0 | 23.1 | 23.1 | 23.2 | 23.2 | 23.3 |
| 62 | 21.7 | 21.9 | 22.0 | 22.1 | 22.2 | 22.3 | 22.3 | 22.4 | 22.4 | 22.4 |
| 63 | 21.0 | 21.1 | 21.3 | 21.4 | 21.4 | 21.5 | 21.5 | 21.6 | 21.6 | 21.6 |
| 64 | 20.3 | 20.4 | 20.5 | 20.6 | 20.6 | 20.7 | 20.7 | 20.7 | 20.8 | 20.8 |
| 65 | 19.6 | 19.7 | 19.8 | 19.8 | 19.9 | 19.9 | 19.9 | 19.9 | 19.9 | 20.0 |
| 66 | 18.9 | 19.0 | 19.0 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 | 19.1 |
| 67 | 18.2 | 18.2 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.4 | 18.4 |
| 68 | 17.4 | 17.5 | 17.5 | 17.5 | 17.5 | 17.6 | 17.6 | 17.6 | 17.6 | 17.6 |
| 69 | 16.7 | 16.7 | 16.8 | 16.8 | 16.8 | 16.8 | 16.8 | 16.8 | 16.8 | 16.8 |
| 70 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 | 16.0 |
| 71 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 | 15.3 |
| 72 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 |
| 73 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 | 13.9 |
| 74 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 | 13.2 |
| 75 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 | 12.5 |
| 76 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 | 11.9 |
| 77 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 | 11.2 |
| 78 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 |
| 79 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| 80 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 |
| 81 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 |
| 82 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 |
| 83 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 |
| 84 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 |
| 85 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 |
| 86 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 | 6.5 |
| 87 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 | 6.1 |
| 88 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 |
| 89 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 | 5.3 |
| 90 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| 91 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 |
| 92 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 | 4.4 |
| 93 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 | 4.1 |
| 94 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 |
| 95 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 |
| 96 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 | 3.4 |
| 97 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 | 3.2 |
| 98 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| 99 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 | 2.8 |
| 100 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 |
| 101 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 |
| 102 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 |
| 103 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 104 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 |
| 105 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 | 1.8 |
| 106 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 |
| 107 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 |
| 108 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 |
| 109 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
| 110 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| 111 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 | .9 |
| 112 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 | .8 |
| 113 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 | .7 |
| 114 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 | .6 |
| 115 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 | .5 |
| 1 The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of § 1.72-5. |

Table VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples

[See footnote at end of tables]

Temporary Period—Maximum Duration of Annuity

If (a) the terms of the contract involve a life or lives, and are such that the above tables cannot be correctly applied, and (b) the amounts received under the contract are at least partly “amounts received as an annuity” under a contract to which section 72 applies, the taxpayer may submit with his return an actuarial computation based upon the applicable annuity table (described below) with ages set back one year, showing the appropriate factors applied in his case, subject to the approval of the Commissioner upon examination of such return. The applicable annuity table is the 1937 Standard Annuity Table (if the investment in the contract does not include a post-June 1986 investment in the contract) or the gender-neutral version of the 1983 Basic Table (if the investment in the contract includes a post-June 1986 investment in the contract). In the case of a contract to which § 1.72-6(d) (relating to contracts in which amounts were invested both before July 1, 1986, and after June 30, 1986) applies, the actuarial computation shall be based on both tables in accordance with the principles of § 1.72-6(d). Computations involving factors to compensate for the effects of contingencies other than mortality, such as marriage or remarriage, re-employment, recovery from disability, or the like, will not be approved.

[T.D. 6500, 25 FR 11402, Nov. 26, 1960; 25 FR 14021, Dec. 21, 1960, as amended by T.D. 8115, 51 FR 45706, Dec. 19, 1986; 60 FR 16381, Mar. 30, 1995]