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The Columbia University Libraries reserve the right to refuse to accept a copying order if, in its judgement, fulfillment of the order would involve violation of the copyright law. Author: Actuarial Society of America w w m '^^^ mm American-Canadian mortality investigation Place: [New Yorl<] Date: 1918-1919 COLUMBIA UNIVERSITY LIBRARIES PRESERVATION DIVISION BIBLIOGRAPHIC MICROFORM TARGET MASTER NEQATIVE f ORIGUNAL MATERIAL AS FILMED - EXISTMQ BIBUOQRAPHIC RECORD Actuarial society of America. • ' American-Canadian mortality investigation ; based on the experience of life insurance companies of the United States and Canada during the years 1900 to 1915, inclu- sive, on policies issued from 1843 to 1914, inclusive, con- ducted and pub. by the Actuarial society of America with the cooperation of the American institute of actuaries and the National convention of insurance commissioners. tNew York?] 1918-19. 2 V. plates. 27*™. The conmiittee of the Nfttkmal conventiba of laturaiice commissioiiert took no part in the preparation of volume 2. cj, v. 2, p. 2. 1. Insurance, Life— Rates and tables. Z Mortality. i. American in- stitute of actuaries. II. National convention of insurance commissioners, iii. Title. f A • 2M04J2 Library of Congress V J HG8784.A2A4 Copy 2. >--^ t3j RESTRICTIONS ON USE: TECHNICAL MICROFORM DATA FILM SIZE: 35 REDUCTION RATIO: IMAGE PLACEMENT: lA ^Ua) IB IIB DATE FILMED: INITIALS: _i, TRACKING # : o¥/f:i FILMED BY PRESERVATION RESOURCES, BETHLEHEM. PA. ^^^^ CJl 3 3 O" O ;w qo. a Is O ^ TO ro^ cobs -P^ (ji oorsi o en 3 3 > o m ^■S o X N X M 3 3 li Is 3 ^ 11 << a) 00 rM o 3 3 Is I? °i ^£ v> ^ I— •■ ^ 3D M CO '-'—I cab: Si; OOM IS AMERICAN CANADIAN MORTALITY INVESTIGATION BASED ON THE EXPERIM^CE OP LIFE INSUBANCE COMPANIES OF THE UNITED STATES AND CANADA DURING THE YEARS 1900 TO 1015. INCLUSIVE ON POLICIES ISSUED FROM 1843 TO 1914, INCLUSIVE GONDUCIBD AND PUBLISHED BY THE ACTUARIAL SOCIETY OP AMERICA WITH THB OOOPE&ATION OF THE AMERICAN INSTITUTE OF ACTUARIES AND THE NATIONAL CONVENTION OF INSUBANCE COMMISSIONEBS 1918 COMMITTEES ACTUARIAL SOCIETY OF AMERICA JOHN K. GORE R. HENDERSON HBNRY MOI& A. A. WSLCH A. B. WOOD ARTHUR HUNTER, Chairman AMERICAN INSTITUTE OF ACTUARIES H. W. BUTTOLPH GEORGE GRAHAM FRANKLIN B. MEAD A. G. PORTCH OSWALD J. AfiNOW, Ckmnmm NATIONAL CONVENTION OF INSURANCE COMMISSIONERS R»1.ANEBB8 H.P.HAlfMOND W. B. OTTO GEORGE W. SMITH H. £. RYAN, Chairman COMPANIES TAKING PART IN THE INVESTIGATION I- ^TNA Life Insurance Company Hartford American Central Life Insurance Company Iiidianai)oli8 • Atlantic Lira Ihbubance Company Richmond Bbbmim Lot ImuBAirci CoiirAirr PfttdMd Oavaba Lm AmmuoNM Company Toranto CoMvarasAiioir JMwm A— ociAWOlf Toronto Connecticut General Life Insurance Company Hartford Connecticut Mutual Life Insurance Company Hartford Equitable Life Assurance Society New York Equitable Life Insurance Company or Iowa DetMoiaM XzontioB Lira ImuBAiroB Compant Towmto VmnuL Lm Imbubanob Compant Chicago Wmmurr Mutual Ln Insuranob Cobkawt Philadelphia Franklin Life Insurance Company Springfield Great West Life Assurance Company Winnipeg Guardian Life Insurance Company New York Home Life Insurance Company New York Illznoxb Lira Insubanob Company Chieaco Imtobial Lira Amubancb Compant Tonmto John Hancock Mutual Lite Insubancb Company ^ .Boston Life Insurance Company of Virginia Richmond Lincoln National Life Insurance Company .^.Fort Wayne London Life Assurance Company London, Ontario Manhattan Life Insurance Company New York Manupactubbss Lira Insubanob Compant Taronio Mabtkanb Lifb Inbubancb Company Baltimore MAatA CHUBB TTB MUTUAL Lm Insubanob Comtamt Springfield Metropolitan Life Insurance Company New York Michigan Mutual Life Insurance Company Detroit Minnesota Mutual Life Insurance Company St. Paul M188OUB1 State Life Insurance Company St. Louis Mutual Bbbbp i t Ldb Inbubamob Company "S^wwA Mutual Lira Insubancb Company New Yoik National Life Insubancb Company of Umrbb Skaibs ov Ambuba Chicago National Life Insurance Company Monti)elier New England Mutual Life Insurancb Company Boston New York Life Insurance Company New York North American Lirs Assurance Company Toronto N OBIB B B i l BBB MUTUAL Lm InSUBANCB CoMPABT IffitwaolBM NoBTHWBsmM National Lira InsuBAWcai GoBtfAvr Minneapolis Paovio Mutual Lira Insubance Company Los Angeles Penn Mutual Life Insurance Company « Philadelphia Ph(enix Mutual Life Insurance Company Hartford Pittsburgh Life and Trust Company Pittsburgh Provident Lipb and Trust Company Philadelphia PMBBBnAL IbBUBAMCB COMPANY OV AMBBlltA NsWUfc RaoiSTBB Lob Ibbubabub Coivamt 4 Davenpori Royal Union Mutual Lira Iwubance CAmbaht Des Moines Security Mutual Life Insurance Compant. . . . « Binghamton Southern Life and Trust Company Greensboro Southwestern Life Insurance Company Dallas STAra Lira Insurance Company Indianapolis Stais Mutual Lira Assubanob Company Wow a st s r Sun Lira Assubancb Company Montreal Tbatblers Insurance Company Hartford Union Central Life Insurance Company Cincinnati Union Mutual Life Insurance Company Portland, Maine Volunteer State Life Insurance Company Chattanooga Wbstbbn a Soutbbbn Lira Insubancb Company Cincinnati CONTENTS IMrodaetioii '*! fIviNmQftlieinTOrtigatkm 4 Reasons for rules and regulations 5 Rule for apportioning data and assessing expenses among the companies .... 9 Methods used in collectinig and recording the data 10 Method of sorting 13 Method of talMilatioa to obtain ''Eipo^ 15 AMBSiCAN MiiN GnMliuitkmofdtata 18 Giidiuitedrtttos of mortality 25 CJomparison with American exi)erience table 29 Modified Preliminary Term— Illinois Standard 81 Canadian Men Graduation of data 34 Graduated rates of mortaUty 88 (kmpKimmwllhO^(» mqp9[^^ 42 Con4> >r isuttiiMiAMWeqi^^ 44 MoKALRT Among Wombn American women 46 Canadian women 48 Page Page Tables Aamoui CnadiM Ehnsntary vahwB i8 206 CQiiimiitatioiitable,8% 55 208 Annuities due and whole life single premiums, 3 % 61 214 Net annual premiums, 3% 62 215 Terminal reserves, 3% 63 216 Mean reserves, 3% 66 219 Commutaticm table, 3 89 282 AnmiitMsdiiBaiidwlioleltfesini^ 76 22S M0k«iiinialprMiihims,3H%... 76 229 Tenninal reserves, 33^% 77 230 Mean reserves, 33^% 80 283 Illinois Standard — Net annual premiums, 83 Illinois Standard — Camparison of net annual pi^smiiiBM with American ezperienee table 84 nBnois StMid«id--lie>a ressryai, 8H% 86 TUikB eontainiBf -Bntwsd,'' 'TBristing," "Withdrawn," "Dead," "Exposed to Risk" and "Rate of Mortality" for each age at entiy 88 236 Til CONTENTS— Conciudai AmericM Canadiaa Mia Comparison of actual with expected deaths for each of the first ten insurance years and also for the sixth and succeeding insurance years combined Id3 AioBiCAN Wami Comparison of aetoal with expected deaths for each of the first ten insur- ance years, for the sixth and succeeding insurance years combined and also for the tenth and succeeding insurance years onnbined 862 Canadian Women Tables showing the exposed to risk and the actual deaths for each of the Specimen working sheets M8 Appendix--BQleB aiid bMrtriidi^^ 87S AMERICAN-CANADIAN MORTALITY INVESTIGATION I I AMERICAN-CANADIAN MORTAUTT INVESTIGATION 1900-1915 iMnoDUOnoN In August, 1911, the Committee on "Rates of Mortality and Interest" of the NatkHial Convention of T^ira^i^ CommisMODerB submitted a report in which tli0 folbiring appealed: "The American Table, which is the present standard adopted in practi- cally all States, has in the past undoubtedly served its purpose well, but when it is remembered that this table was constructed as long ago as 1860, it seems proper to suggest that a comparison with the preaeat day mor- tality statistics would be most valuable and instructive. 'There is no body of men better equipped to make this investigatiM among legal reserve companies tlian the Actuarial Society of America, and it is to be hoped that tbe time is not far cBstant when it will lend its powerful asililiiiirin to tiiis important woris. The profession is ah'eady greatly indebted to tiie Society for the former Speoalized Mortality In- vestifijition, and will be still more indebted when tiie present similar one of wider scope being conducted under its guidance is completed. That it will tmm its attention to the construction of new mortality tables covering the general expeftenee of the companies anonig nonnal lives is eamastly tobedoned." Following this action the Actuarial Society appointed a committee which made a report in October, 1911. It was pointed out by the committee that the Society could not then undertake the work, as its members were engaged in the Medico-Actuarial Mortality Investigation, the results of which have rineebosBpQblislisdinftfevelnBMB. The gist of the report, ao far as eoneens ills prqMiition of a new mortality tab^ "The Committee is of the opinion that the time is not propitious for immediately undertaldng the task, but it believes that, all things con* sidered, a new mortality table combining the experience of companies in the United States and Canada is desirable and that the Society should ex- | press its intention to take up the work when the way is clear, provided a sufficient numb^ of companies shall be found to contribute their experience and defray the necessary expenses " In October, 1914, a few monOis before tike poblieation of the Ivt veinme €f tiw Madieo^Aetiiarial Investigation, tiie Cmveniion of Insurance Com* miBBionen adopted the following recommendation, embodied in the rei>ort of their Committee on Rates of Mortality and Interest: "A promise was made by tiie Actuarial Sodetysome years ago to con- sider a compilation of a new mxtOttf table from the data wUdi it had at its diqposaL This Committee recommends that the Convention request the Actuarial Aft tlie raRdt of liie foregoing reeommendation ilie president of the Actu- arial Society, Mr. Craig, on the 8th of April, 1915, appointed a committee of seven to consider the matter and present their conclusions. A few days later the executive committee of the National Convention of Insurance Commissioners iq^pointed a special committee of five actuaries connected with the State in- itftfily caqialenee of American companies/' At tlie annual meeting of the Actuarial Society on the 21st of May, 1915, the following resolution was passed by the Council and afterwards adopted by the Society: "Resolved, that the Council is of the opinion that a new mortality table or tables should be prepared under the du-ection of the Actuarial Society; that the Committee of seven be continued for the purpose of conferring with the proper committee of the National Convention of Insurance Com- miHioiiets and with the companies whose statistics may be desired; that, if tile way be dear, the Committee proceed with the work of preparing audi new taUe or taUee; and th«t the Committee report the result of its eoBdinionft to tiie CoondL'' The committee of the Aetoarial Sodeiy, bdofe deemed it advisal^ to get tJie opiniooft of tte yoaQi^^ in the South and West As a nmnber of the actuaries of these companies are membm of the American Institute of Actuaries but not of the Actuarial Society, the president of the former body was invited to appoint a committee to confer with the committee of the Society. In pursuance of this invitation, a com- mittee on mortality was appointed by the American Institute to eonler Inanr Con¥ Society of Insnranee CommissioDen the convention, on the suggestion of its special committee on new mortality tables, amended the original recom- mendation concerning the investigation so as to include the ff ftftp firatioii of the American Institute of Actuaries. The plans prepared by the committee of the Actuarial Society wera for- warded to the menibm of the commitleeB of the Amsriean and of the National Conyention of Insurance Commissions and a confo-ence was hdd m New Yoric on the 22d of June, 1915. The principal questions were eonddered and decisions arrived at which were satisfactory to the members of all three committees. Since that time the Actuarial Society has carried on the work, submitting the more important questions to the rommlttesi of the other two bodies. BelQreaenfingtheplani» ndesand nwUMom to the liMWiiaiica it was deesMd advindite to wait until they were approved at the legul^ ings of liie Actoarial Society of America, the American Institute of Actuaries and the National Convention of Insurance Commissioners. The approval of these bodies was duly received, and on May 1, 1916, instructions were sent to the companies with the request that the data be in the hands of the committee of the Actuarial Society by the Slat of October of that year. The C MBp aatio a ef the data and the giadtoation were mdsr the diraet eap irf hhm of members of the committee of the Actuarial Society. Copies of the letter sent to the companies and of the rules and instructions are given in tlie Appendix. A central boreaa was eslaUiihed towliieh the data were sent and in which the necessary marfiinery was faMtafled. The compames taldng part in the investigation were not charged for any supervision, the only cost being for the absolutely necessary expenses, such as clerical service, supplies and rent of machines. The bureau was under the supervision of Mr. Arthur Hunter. Preliminary to the decision to undertake a new mortality investigation there WW consideraUe discniBion regwdfaaig the adiisahiKty cf audi an investi^ir tton. The reaaotw advanced for and egrfnittlM^pw'paiallundf a n^ tidble may be dbtained reference to the fdlowmg: TaAiiSAOTiQin or Aotpam al So citt of Amwuca YoLxntm XVI Henry Moir, Address by, page 8. DiseuBsions by the following; James D. Craig page 52 Alexander T. Maclean page 56 Miles M. Dawson " 29 Edward B. Morris " 89 J. Burnett Gibb 53 Ray D. Murphy *' John K. Gore " 21 Percy C. H. Papps 56 Robert Henderson " 51 Edward E. Rhodes " 22,52 Arthur Hunter " 20 Harwood E. Ryan " 54 Dimiiam A. Hntdieeon 26 Ardiibald A. Weldi 28 M. Albert Lmton " 56 William Young " 88 Thomas B. Macaulay " 35 AnBiOAN Lira Conyuvtion, Paocbbdinos of IOih Annual Meeting (1915) Addresses by L. A. Anderson page 74 Lawrence M. Cathles ''186 Arthur Hunter. Raooaa or AmnacAir I mmiiuam or Aowxans H. W. Bnttolph page 98 George Graham ** 104 Franklin B. Mead.... " d3 Pamphlet by L.A.Anderson, entitled "Is a New Mortality Table for General Use by Old Line Life Insurance Conq^anies DesunUe?" The table used in Canada for the calculation of premiums and reserves is the 0M(6), which is based on the experience of men under whole life partkqMit- ing policies in Britkh eompanies during the years' 1863 to 1888. Theie was no special demand for a nmr BMrtidi^ taUe, but the CvuKBan eompanin ftom^ It adviiaUe to make an famstigatlon of the mortattly eiperienoed in Canada V Can a di a n and American comnanies. 8 The mabi pupoae of the inTWitigitinn wis to obtain tables which would aeenrsteiy t epr m m t modem mortafity eipwfcnce , Sueh tabtes take the foRn known as ''Seleet,'' faidudhig aa "Dttfanate'' aaetim, tiie lattar being eonnnonly used for the calculation of premiums and reserves. The two principal tables desired were for: 1. American Men. 2. Canadian Men. The data for the forcing repiosented : (a) All the States in the United States (or all the Provinces in Canada) in accordance with the normal distribation in the varioiis States (or Fhyvinees) of titft I wMiinf S B flf tte fwtrtrilHitiiig i^fwwpanif if ■ (6) The popular plans of insurance, reflecting substantially the average distribution of th f^ businfiss iiMiiifid aoco r^^Bg to plan of insuranoe. (e) The busdness m standard Bvis. JHIftres treated as under^verage were excluded. The CTldre experience is based on sums tasnred in order to give effect to the true cost of the varying incidence of mortality on large and on small policies. The table for American Men includes men of all nationalities who were resident in the United States at the date of application for iaenranoe and that for Canadian Men tibese resideBt in Canada at siidi dale. It was decided to take advantage of tiie data sobinttled by tiie eoa^^ make the following ad^Btlira- tion of the interim term. e FOUCDSS CONVSRXSD iJXlO £XTEIP>£D INSURANCE It was first thought advisable to include the data under extended tenn ha- cause there is generally a higher mortality than under prfemium-paying pohcies of eoiraponding duratimi, and this fact should be taken into account in deter- iidnfaig IllO basil for pM^nni and raserves. Before issuing the final instruc- tions, however, the committoe asked several of the companies to make a test in order to find out what the difficulties wouM be of adoptm g that r de. K w^ found that on many policies with loans term ertenrion was granted ^fy^^]^ of the policy less the loan and for a short period. It did not seem advisaMe to inehide such cases, and accordingly only the extended insurance, the face value of jIlUl wu moi docmiMnd in ammint was included in the investigation. POUGIBS LAFSED and REINSTATED The custom in previous investigations seems to have been to ignore the qncn- tkm of lapse when the poUcy had been reinstated. When reinstatement ravolves a medieal eiamination the risk is presumably select. It was noted, on the other hand, ttat many of theoon^anies ranstated policies on seriously impaired risks when the extended insmanee had ssfwl ye» stiU to run. Investigation showed that in the majority of compames the pereentage of««» on whicha medical examination was made for reinstatement was smafl. The great ™^|oir^ of the companies permit reinstatement within sixty days aft«r the due date of the premium on a phonal health certificate. In one company about ten per cent of the cases weie remstated on either a medical health certificate or a full medical ^^^^^ Another company found that about ninety-seven per cent, of its i^nstated polides were reinstated within one month after the ej^u- tion of the days of grace. The average time elapsed fipwn the aid ofttngnMiitt of grace to the date of reinstatement is short. It was deemed advisable to exclude from date of lapse policies which had been reinstated more than az aUtf m rh date, mt t^^^ f iram'^^^^^" would bi^ve been required. Duration of Insurance There are three well-known methods of obtammg the duratten of tiia hi- surance for the purpose of mortality investigation: (a) Mean; (6) Nearest; (c) Exact. The mean duration method consists in takmg the difference between the year of entry and the year of exit, exo^t in the case of death losses, when the full insurance year in which the death ooeure is included. The nearest duration method conriste hi disregarding the fraeticms of a y^ and conridering them as a yearwh^ more than rixmonflts. Whaithedura- tion is exactly six months an adjustment has to be made so as to provide that the number of cases ignored equals the number of cases in which the half year is treated as one year. The exact duration method meansif as the name implies, that the duration is takni to the month or day. Severd companies niade experiments to detennine idiat the ba between the exposed to risk under tlie three methods of obtamfaig tiie doration of insurance. In the case of one company which experimented with aa expoBiire of |42,0(»,000 the aMMimtiiaii tte miviikd^ and diflFerod from the exact duration mtlhod by kv ti^dne-fifth of one per cent. The experience of other com- psnieB Indicated lOcewise that the extent of the error m using the mean instead of the exact duration method was smalL The xoeaa du ration «u>fh/wi waa en. eordingly adopted. More Than One Poucy Issued on Onb Appucation fit en iimrtigaAiQii made by amounts insured it is usually unneceawry to aeeord special treatment in the case of two or more policies issued on the same application. However, as a number of policies involving Mwum^ q| over a million dollars on one life have become clahns in recent yean, it wee thoogiit that the mortality rateB» especially under the edeet teUe^ migKt be xmMj affected through oMcr mm i'llwilMWJe hae Aawn that these large insurances f^'-y ^ teiwi oat for ktas than $50,000 at one time. The companies were aecordmgly asked to give information on policies for $50,000 or more effected on one application so as to enable the ^mwnitf^ to bring all larae rnmw together. Dflranmn Draawn Booone At the end of deferred dividend periods the insured under life and iimH^^ j life plans may select one of several opiiou. This givee the poH^lioMen a chance to surrender tbor polieies if tfai^ aie good lidoi and continue tlmn in force if tt ^ are poo r ridn. Published investigations have shown that such a aelection is enreised against the company and that the mortality for several years following the end of the deferred dividend period is relatively high. As no deferred dividend policies have been issued smce 1906 by the principal companies, it was deemed advisable to ezdude the eipmBocb after the end of the deferred dividend period. P^XLiCDB i MOOW nS WA BUi fBOil DAIIB As it was desired to obtain an eiperience reilectmg as finr aa pnerifale the IHnesait conditions, the eqiorience on polieieB in^^ waaenMttd beenseO^f are nolbrii«iBmd fllil^ Policies Reinsured in Bulk For obvious reanns it was not desMde to indode in tlie investi^^ fawMW orii^nally issued on tiie assessment plan. In the change from the aasessment plan to iiie l^fal reserve plan, a considerable proportion of the policyholders in many companies discontinued then- policies. In many in- stances the policyholders in poor health made the change even if it involved a considerable increase in the premiums. The same condition held tnie in some reinsurances of 1^ reserve oompanieB. WhiU mmitfgmMM^ tw. «mi wJ— ■ ■ y ^ rf a eompany m good repots Witt a strong con^y, win prd^^ relnsnrance, a general rule to exclude aD poBeisB refaraed in groups or in bulk was deemed best. j 8 FOUGOM liBHJBPl OM UHIIRaAYFr«^^¥ 0& SUBSTANDARD LIVES As the intention of the investigation was to obtain the mortal aaraig aomal lives, all policies considered by the companies as underaverage oj ilAitandard were excluded. PoUcies issued on a plan other than applied for iMie tuftroiind ki tto iamtiBiMlion because these could not be considered as substandard Vtm ttwy nay be caOed border4me cases. Policies issued to women with an extra premlimi or plaeed In a special divki^ of sex only, were included, because for many years prior to tiie inmrifBtlflii women were chaiged an extra premium on account of sex alone. POUCIES ISSUfiD ON TOE GaOUP INSURANCE PLAN ^ Within the last seven years a practice has arisen of hwuring groups of em- ployees generally on the yearly renewable term plan without medical examina^ tion. These were excluded, as it was not desired to have any cases in the Inifatiiiitina on iriUeh a legular medical examination had not been obtained. iNADVBABILnT 01* TBCSBMIGAL RHRNBHBNia In f5««Maring the bsst methods to adopts the committees had m mind the inadvkabffily of putting the companiw to a great deal of labor m order to obtain refinement of tedmieal treatment iriueh would not materially affect the results. The death rates were prepared with great care from tte data submitted and are in accordance with the facts, but the commttteea felt tiiat it was not necessary to employ extreme refinements because the table would not neoessarily lepresent the esacH conditions in the future. Bulb rat AnomoNiNG Data and AaBmssim Bypbnsbb Among thb CoetPANIBS It WW tAt that due weight should be given to the smaller companies and it wm ttenfoie f"gy^ that the iH^er the company the smaller, relatively, shoddbeHeeontrilNrtlontolfcedata. A simple rule was adopted, reque sting all companies with $50,000,000 insuranee in foree or less to give the entire d^ called for by the rules and instructions, and the companies witti more tlian tliat amount in force to give data based on $50,000,000. The latter companies gave such a proportion of their issues as $50,000,000 bore to the total in^rance in f OToe at thirty-first December, 1916, in the United States and Canada, excluding intennediate,hidu8trial,underara«ge and group pdicies. In order to distribute Ite stafcUiea tiuoo^bout eaA year tUs pmenl^ one hundred poHey numbers. Thus if tiie ratio were ten per cent, all polieiea the numbers of which ended with 101 to 110, 201 to 210, etc, mn fadxM if they came within the scope of the investigation. In order to obtain suffid^t data at the older ages all the companies were requested to contribute their entu^ data on plans other than deterred dividend for policies issued pricur to liKX) and eontimied in f-5fnft nUOi^ to 10 11 existing, lapsed or deaths had been omitted. So far as concerns the principal companies which furnished their data on perforated cards, very careful checks were made by these compftniii^ including calculation of expected deaths by a standaid table and oompariioii with the actual death losses. For the other eonqpaniw ae boroaa tab^^ to age, and aseoiained if they w«fe rMUCiiahta The death hMMt wm ako subdivided by insurance years and comparison made b e iwoen the groups by ages and insurance years. This would probably have brought out any material error. All cases were investigated which showed that the age of entry was over 70, as the nmnber at soeh ndi^t be few and therefore errors in perforating might afieet the ranilts. Where the age at death was over 100 the con^Mtfiy iq^ortmg the case was asked to verify the orii^ reoo^ As the American Table of MortiOity aannneB that the laet dmOk oeeun at age 96, a number of companies have made a practice of paying the face of the policy as an endowment at that age. In order to have material at the ages above 96 and to verify the data, the companies were asked to obtain a history of the poliiQrholder after the cadi value had been paid. There was not a large mmiber of persons recorded ai s ur v iviag until age 96 cnr later, due in part to womef of the bulk of the eaqMrienee and in part to the fact that a laige Iffoportlon of deferred dividend poBeiee Imied on ofdinary idMde Hie or limited-payment life plans were surrendered at the eondnaion of the de* ferred dividend period. EumNAXiOtN OF AMOUNTS OF INSURANCE IN EXCESS OF $100,000 IMIBD ON . fBB Samb Ldb at the Samb Thob All policies for $50,000 or more were separated from the rest of the material. The cards were then compared, taking each age at entry separately in order to determine bgf the inhaak and by the date of birth how many were on the same pamHL Cm was tatan to awertain that the data on the cards el imin a t e d f^ the hiveeti^gatacm were prededy the a^ with reference to duration, mode of termination, plan ci insoranoe and red- dence. When more than $100,000 of insurance was issued at the same entry age on the same life but on different plans of insurance, the amount of insurance on each card was reduced proportionately, provided the mode of termination and dmatioii were identical For instance, if $50,000 had been issued on the tuenty-paymoit fife plan and $100,000 on the ordinary life plan, these amounts were ledoeed to $33,800 and $86,700 raqj^eeOveisr. This proeednre made it unnecessary to make any further adjustment when the investigation was made by plan of insurance Where the duration of the several policies differed, the policy of the longest duration was retained in the investigation for its original amount, provided audi amomt did not eieeed $100,000. For example: Amount $50,000 100,000 W,000 Plan 20-Payment Endowment 20 20-F^rment Termination Lapsed 16 years Lapsed 6 yean LaiMed Aymm Pboceduu Retained Reduced to $50,000 12 SOBTINO MaCBINB Hm evdi wm Mrfeed mmiiam, m Olnitanaiaii of one of which is idven on the opponte page. , The machine, if kept supplied wWi cauls* wiD dmUj 12^ This, of course, refers to sorting any one column. If iiie cards are to be sorted hy age, two sortings are necessary,— fu^t, mto groups of decennial ages, i. e., 20-29, 8(K89, etc; and then mto separate age groups. Advantages of this tfpe of n rn^^ aie that the cards are placed by machine in compartments wWA aweary to empty, «i they do not involve stoopmg, and that all cards of a specified number can be segregated, leaTing the cards with other numbers m the same numerical or other order. Several mwadnes ii»d by ^ bupwitt had counters, technically known as countmg sorters, attadied to tiie sortmg i P t y.hinAa^ These machmes count the number of cards gomg into each compart- nent or pocket and give also the total number of cards m all the pockets. While the lit taf^ ol the card sortmg are not of special importance, it may be desirable to preaent fliem for the infonnalioii of students. The principal sub-divisions recorded are ^veu. The cards were first sorted into: (1) BflridflBti of the United States at date of i4>pli<^tion for i^ (2) Residents of Canada at date of applicafion for i mi nr a ii Cft. jRf^h divinon was then sorted according to sex. The usual sortmg wm made mto existmg, withdrawn, and dead; then saMSvided by age of IsBiie and by duration for the withdrawals and deaths and by year of issue for the eiktmg. After a reeofd had been made ofttie cases m the various sub-groups to obtam the exposed to ride (for «^hM»»»^ Py 15), the data for American men were divided mto four groups plan of insurance. The plans appearing under codes 5 and 6 were exduded and were studied separately, because they presented a peculiar type of selection. Phns 6 and 6 cover polkiea issued on the ten-year non-renewable or ten- year renewable term plan, eenverted, changed or renewed for another period. The summation of the sheets in the various groups aeeording to^ ance had of course to agree with the total of tlie mrin gro^ ™sreeattedm finding certain discrepancies which were of course hivesiigated. The following shows the extent of the data according to the amounts faisnred: Amkbicam Mnr $1,894,044,000 $68,257,900 1,449,826,400 48,470,600 Dead. ••....•....•.••••••••** 436,345,200 10,878,500 $3,780,215,600 $127,607,000 1,545,696,700 35,849,000 2,234,518,900 91,758,000 $26,008,821,900 «787^,«)0 6.88 yis. 6.18 yrs. 13 Canadian Men Women Existiiig $258,738,200 $6,466,800 WiUidniwii ie6,682,60a 8,714^ Dead 29,400,800 872,500 Total $453,821,600 $10,853,500 ESntrants iMior to 1800 114,108,600 2,672,600 New EntzantB 339,713,000 8,281,000 Total Exposures $2,743,665,100 $69,144,100 Avmge EiqiNMiire 6.06 yn. 6.37 yn. The summation of the various groups was obtained by a machine of whidi anHlustradoniigivenoii the opposite pa^e. lids madUiie prints oil strips ol paper such Mds in the ThisfalmoimasaeiedfagmiidMBdain recorded on the list It can be so arranged as to record letters instead of flie figures appearing on the card. For example, the code number for the termina- tion of the poUcy by death is 9, but it appears on the list prepared by the machine as "D." From one to seventeen columns may be added. The work of thw madiiiie eaa best be undscstood by means of the f olbwin^ EXAMFLB GF WOBK BY TABOIATCttrPBlNnB ESXFLANATION OF COLUMNS OF FIGURES OR SYMBOLS (a) Year ol issue; Le^ 2 Stands for 1902, 12 for 1912 and 8 for 1908. ihy Agsafeentry. (e) DaraHoii in years. (d) Sex (M=Men). (e) Mode of termination (L=Lapsed). (/) Code number for plan of insurance. (g) Code number for habitat at date of application for insurance. (h) Number of policies. 0*) Amoimfe€fteiimiwtoBBifest|100;e.g.,10-|ltm (a) (6) (c) (e) (/) (f) 2 20 1 M L 1 16 80 12 20 1 M L 1 16 10 12 20 1 M L 2 16 160 13 20 1 M L 1 16 50 11 20 1 L 8 16 100 8 20 1 M L 4 16 20 10 20 1 M L 1 16 10 10 20 1 M L 1 16 80 1 20 1 M L 1 16 10 6 20 1 M L 2 16 1 10 11 20 1 M L 1 16 1 10 11 20 1 M L 8 16 1 300 irplel mmim 9f fMmm\ 12 \Sm¥m.t4\l^Q 978,000] 14 TABULATtA-PBIMTEB The parts in bracM» «• »«t >«iirt^ »W *• wwUm but «^ "^Ait rlST^ds had been sorted into 1i>e desired grw ^ »8 'W' cards were placed between these groups. The machme Sin?«. ^ Xve until it comes to a "total" card when tte d«Bred SiJSoSrS mOe; the machine then commences to ^bvilate th^emumg !^r^!t^ilttri«ds in the mMfaine h*ve been listed and added the group. 911 MP» «,«-*nr IMBtorkrf««S4S in detecting errors. In the example given the insured ^ImenSS^yearsolagewhohadlapsed their police rf„iandwer?^4idinginSt^Nal«0a^ I^^ISS^S from putting cards wrongly in any of these categorfc. would ^^^^^^ The same would hold true in other sortings such as tliose WMJ^^J^ had died in the third insurance year. In that case column (c) should be . vSaamli) should be "F" ; and column (e) should be "D". Again, if the group ^Srt^ orm« aged 26 whose policies were existing at the close of the in- ^SS« iXShad tatai ti-ir policial in 1905 on the twenty-p^en 7e pkn when they were resident in VmmOam^ ^JjT^^i ^4"' colimin (6) should consist only of "25- cohmmW ol^*"?*?^ ^ ' eohunn (/) of "2"; column (j) of "25"; column (c) shoddbeMaaK. Mrbud or TAKJiAmN TO Obtain "Exposed to Risk" The data contributed by the companies consist of two parts: first, polW* i« the years 1900 to 1914 inclusive, traced to the anniversary in 1915, Zeond DolldeB iMOed prior to the year 1900 and continued in force after the S^l^^vtowKw to itoSvew in 1915. The former are ex- J^TSe investigation f«Hntbedateoli.«»u^thedate of t^^on or the anniversary in 1915, but the latter are exposed from tin anniwaaiy m 1900 until the date of termination or the anniversary m 1915. , ^ . As at least one year's exposure was recorded on every card mduded m tne fanMtintiiMi and m no policy issued prior to 1900 was exposed during the te* " Teamonnt eipoaed to risk during the first insurance year was the total Jmoimt issued in the year. 1900 to 19U inclusive. The fiounte exp^d to risk during each of the succeeding inMiruee yean wm obtained by means of the following formula: whiTB " . h aaowt "•qmed to risk" in the (»+l)th msurance year under poBdco iBonort at iff is the amount •«8ting'' «t «ie €nd tte irtk IMIW^ under policies issued at age X. . W^jl.n » the amount "withdrawn" at the end of the nth UMOiaBoe jMT undir polkaai ifltufid at a^e X. 16 4m4« h ^ momt terminated by desth duriog the nth mai r anc e ywr under pdidea MRMd at a0e is the amoimt issued prior to 1%0 and entering tie tav«^^ at the end of the nth insurance year imder policies issued at age s. The work sheet adopted 1^ tiie oommitlee ior the calculation of the amount exposed to risk in the vaikws in«iranee years is in audi form t^ can be applied by clerteirithowt actuarial trammg. Sheet Nal (page 86Wia » copy of this work sheet for age at entry 40. The headmgs of the various eohmuM on this sheet render it practically self-explanatory. The amounts appearing on it hsm been to the nearest $100, the last two figures being dropped. The yeara of kmm in eotumn 2 wen imnrted to sm^^lify the tabulation of the ' 'exist- mg"' aiid tlie years of ianie in oolomn 7 ima inserted to of the "witered"— the "entered'' being the amoimt of inwrance issued prior to 1900 and in force on the anniversary in im. The figures in eotamm 9 represented by the term {e+w+d-s) i„+„ in the formula used to obt^ tte "eaqKMed to risk," and the figures in colunm 10 represent m the fonnnla, n being the number of years in column 1. Thus the amount ex- posed to risk for any inainrance year less or plus the amount appearing on tiie same line in column 9, according as that amount is positive (black ink) or negative (red ink), is the amount eqpoaed to risk during the nest insurance year. As stated before, the amount exposed to risk in the first msuranoeyw is the amount of insurance issued in the years 1900 to 1914 hidudve, and tt is the total of column 9. As the figures in column 9 are very nearly all pomtive, to eakulato the figiira in column 10 from the top of the page down would re- qniie a sertaa of soMnietkiis, but as it is easier to add than to subtract and as wedsdy the same lesult is obtoined by working from the bottom of the page up.thefigui^incohmmlOifiieactuanycakujatedin the the figure pertammg to duratkm n" was *Mhy g^ itwith toe total » - 1) (c«» - l)c" = 1. 02302 »00«+P(«'+l)(e" -l)(e -!)-»(«• -iy» -L60802 80tt+47»0» +iS(c'+l) (c» - l)(c -l)-'((i"-l)(«^»-l)r-V»-2.1TO»4; log c =.033675 kg/)-4Ll36048 #--.000101 a» .003547 The foUowiiig taUe abom tiie valoM of eolog A ealcntotod from thiM 20 25 80 40 46 50 55 60 70 76 80 90 Ck>LOO fPm .00880 .00939 .00971 .01119 .01489 .01955 .03088 .04564 .06987 .11189 .16886 .24999 .37086 .56279 .79655 1.72009 Galcuiaxbd Dbvuxion .01041 .00968 .00980 .01117 .01439 .02032 .03027 .04611 .07066 .10802 .16428 .24838 .37349 .55906 .83371 US962 .00161 .00029 .00009 -.00002 .00000 .00077 -.00061 .00047 .00079 -.00887 .00592 -.00161 .00263 -.00373 .00892 .00954 .01120 .01433 .02017 .03000 .04574 .07021 .10761 .16413 .24892 .37553 .56400 .84396 126026 DSYUSOW IIIIIII 12 16 18 1 00006 00062 00088 00010 00084 00878 00577 00107 00467 00121 An ftiaTninat ion of the devielioiie of the celcolntod vahMs of eolog a from flie original dbom Oat the vite mala are rdathrdy hig^ in tiie two middle sections and low in the oldest section, indicating that a better fit would be obtained by increasing the value of log e, which was accordingly fixed at .034, and as this increase would cause a numer- ical decrease in the value of e it was decided to adopt -.0001 as the value of that caiMtant. The value of p was Ihen determined eo that tbe viAie of eolog if»M-eolQg would be the same as from the pielmdnanr eonstants; and tiie vahie of a, so as to ghre a slight excess (tf eiqiected over ac^ deaths. The lesultiug values of the constants were: logc=> .034 ^--.0001 a- .003587 kgtf- 11109 The rates of mortality derived from these constants were found to fit satis- factorily down to age 30. The table was extended below that age by retaining unchanged the term involvmg c* in the expression for eolog and subsHtutoig for the remainder of the expression a constant for ages 20 and mMfar and • tam> tionoftfaeseeoDdd^gymgforagBs2Oto8Ofaidnstv0. Them i eilt ween&aatjty Ihe toBoming expr p wioins for eolog : For ages 15 to 20 inclusive eolog =.001087+10'^-"*+-^ For ages 20 to 80 mebwive cdlQgp.«.001087-.000006 (g-20}^+10^- For ages 80 and over eolog J). =.001087 -.0001 (»-26)+10^-i"^ »*' 31 The values of colog derived from these modified values of the oonrtanti aiid the devitttkm from the origii^ It win be remembered that where the moKtalHty taUe f oDows this law Urn principle of uniform seniority may be applied to the calculation of joint annuity values, provided a modified rate of interest is used which depends upon the differences of ages. A double interpolation will ordinarily therefore be neces- sary, since the equivalent equal ages as well as the rates of interest will ordi- narily be fractional. If the reciprocal of the immediate annui^ value is used ae a basis, the eirar introduoed by n^^eetiiig second differaieeB in the inter- polatioa with reqieet to Hie rate of hitereBt is y&y sH^^tiy in the dhwetioQ o( decreased annuity values and consequently increased net iMOTiiums. If either age is below 30, a modification is necessary on the lines indicated in Art 34, p. 209, of the Text Book of the Institute of Actuaries, Part II. From the values of colog derived from these formulas, the 1, column was calculated beginning with a radix of 100,000 at age 15. This colunm was used as a basis for the recalculation of the rates of mcnrtality finally adopted. To the gradnation of the eaqperieM dining the firs^ same general formula was applied, with modified vahies of the ccmstants other than c for each duration. The formula was used in the following form, where log c =.034. \ /Ages 15-20 20 " 80 and over Values of Oo* ^d 0o were first determined so as to reproduce very dosely the mortality of the first insurance year. Values for the inter- mediate years were Oen detormhiedso as to reprodnee asdosdy as possiDUe the mortaBty coqwrienee of those years and at the same thus form as rog- idar a series as possdble. It was found necessary to Increase oi to the ulti- mate value in the ^ond year. The values of 9t were filled in according to the formula et=e- ^^'sq"'^ (S-dJ and those of kg by the formula kg A-kg g- ^^^^^^-^^^'^ Oog *-kg fO. The resulting values of the constants were as follows: t 1 2 8 4 Handover .000658 .001067 .001067 .001087 .001087 .001087 .000066 .000070 .000062 .000091 .000097 .000100 5.8409 5.9669 i.0179 i.0479 4.0799 4.U09 By tmltymg the vahies of eolog Pi^^^ derived from tiiese conit aa t a to those of log aoeoifdfaig to the nltfmate tabh^ the vahm of log l^,^^ were eoDstracted and those of l^^]^ taken out to the nearest unit From these values those of were derived. Fboof of Suitability of Gbaduation The foDowfaig sunamaries show a comparison of the actual deaths with the expected according to the graduated mortality table: American Men Comparison of Actual With Expected Deaths warn fivs nmintAKCB tbabs AOB AT Actual Expected Accumulated Kmtkt Dbaths Deaths Deviations 15-19 $ 763,800 $ 759,400 - $ 4,400 - $ 4,400 20-24 3,762,800 3,723,500 - 39,300 - 43,700 25-29 5,073,200 5,371,600 + 298,400 +254,700 30-34 5,889,600 6,052,700 H- 163,100 +417,800 3&-39 6,856,800 6,547,200 - 309,600 +108,200 40-44 6|61M00 + 88,600 - 425,900 +196300 4^49 6,486^ -229,100 50-64 5,163,500 5,188,000 + 24,500 -204,600 65-59 3,527,100 3,803,100 + 276,000 + 71,400 60-65 1,918,100 1,949,200 + 31,100 +102.500 145^968^000 ^,070^ +$881,700 - 779,200 +$102,500 SUBSEQUENT INSURANCE TSABS Attained Actual Expected Accumulated AOB Deaths Deaths ] Deyl/ltions 20-24 $ 182,000 $ 180,400 $ 1,600 $ 1,600 25-29 1,741,900 1,773,100 + 31,200 + 29,600 30-34 5,095,600 5,148,000 + 52,400 + 82,000 35-39 10,113,700 10,203,700 + 90,000 + 172,000 40-44 17,329,400 17,262,000 67,400 + 104,600 45-49 60-54 24^21,900 85,746,200 43,504,300 25,619,700 + 797,800 + 902,400 84,714,500 1,031,700 1,100 129,300 130,400 66-69 43,503,200 60-64 51,952,100 52,126,900 + 174,800 + 44,400 65-69 59,443,900 57,523,400 1,920,500 -1,876,100 70-74 53,681,000 55,252,900 + 1,571,900 304,200 75-79 45,575,600 45,427,600 148,000 452,200 80-84 27,048,800 27,69^00 11,100,100 + 655,800 + 108,100 86-89 11,184,400 84,300 + 18,800 90-94 2,448,500 2,584,000 + 135,500 + 154,300 95-100 311,200 257,800 53,400 + 100,900 $890,176^ $890,275^ +$3,408,900 3,3UK,000 +$ 100,900 CoMPAiusoN OF Actual with Expected Deaths — Coniiniied ALL AGOM AT ENTBY COMBINED IMUBANCE Ykab ACTUAI* Deaths Expected Deaths 1 Bbtiation AccuuxjULtm Deviations 1 8 8,669,900 + $18400 +$18400 2 8,990,900 8,874,500 - U6,400 - 98,800 8 9,285,800 9,242,800 + 7,200 - 91,100 4 9,492,200 9,451,100 - 41,100 -132,200 5 9,707,500 9,942,200 + 234,700 +102,500 390,175,000 390,275,900 + 100,900 4-20&400 $486448,000 I48S34M0O +$M0,900 - 167,600 +$203,400 A good proof of tiie suitability and aeeuracy ci the graduatioii is a eom* parison of the net premiums based on the ungraduated data with the premiums on the graduated material. Tbe rasolbi oil tte oidinary life pbii m Qbdinaby Life — ^Uutqiate Rate of Moim'ality Based on Ameb^^an MsNf S Per Cent. Interest Ami AT Net Pbemium Based ON Ungbaduaisd Dam Net Pbbmixtm Babmd ON Graduatbd Dasa DnmsMca 20 81L73 11176 +.02 2S 18.67 +.02 80 . 16.81 16.92 +.01 85 19.01 18.99 -.02 40 23.07 23.06 —.01 45 28.44 28.42 -.02 50 35.67 35.53 -.14 66 46i02 4198 -.OA 00 9LW 67.64 -.06 It wiD be noted that the difference between the net premiums is very small. The fimdiiated imt«s of mortality for AsMriean men f (ht ages at entry 16 to 66 ai« now given: 24 Gbaduated Rates of M(»TAunr 9m .00247 .00268 .00261 .00266 .00273 .00278 .00288 .00286 .00291 .00293 .00295 .00298 .00296 .00299 .00301 .00301 .00302 .00306 .00611 .00316 .00323 .00333 .00344 .00668 .00871 .00388 .00408 .00430 .00466 .00482 .00614 .00549 .00587 .00630 9m+i .00324 .06881 .00687 .00344 .00352 .00359 .00366 .00872 .00676 .00380 .00384 .00386 .00888 .00891 .00393 .00397 .00402 .00409 .00418 .00429 .00442 .00457 .00474 .00484 .00519 .00545 .00575 .00609 .00647 .00737 .00789 .00847 .00910 .00341 .00648 .00364 .00372 .00380 .00386 .00891 .00896 .00399 .00402 .00404 .00406 .00406 .00406 .00411 .00416 .00424 .00482 .00448 .00457 .00473 .00493 .00516 .00642 .00570 .00604 .00641 .00684 .00781 .00782 .00841 .00905 .00975 .01066 9m-H .00355 .00868 .00878 .00381 .00389 .00396 .00401 .00406 .08466 .00411 .00412 .00413 .00414 .00414 .00417 .00422 .00429 .00438 .00450 .00464 .00480 .00501 .00524 .00550 .00681 .00617 .00657 .00701 .00750 .00804 .UUOQO .00935 .01010 .01094 .0U84 9M44 .00372 .00682 .00692 .00400 .00407 .00413 .00418 .00421 .00424 .00426 .00427 .00428 .00429 .00482 .00487 .00445 .00454 .00467 .00482 .00601 .00523 .00548 .00577 .00610 .00648 .00690 .00738 .00792 .00851 .00919 .00992 .01073 .01163 .01261 .01870 9»H .00392 .00402 .00412 .00418 .00425 .00431 .00435 .00489 .00441 .00443 .00446 .00448 .00451 .00469 .00478 .00494 .00512 .00632 .00584 .00616 .00654 .00694 .00742 00794 .00852 .00918 .00989 .01070 .01158 .01254 .01362 .01478 .01608 25 Amsbicam JdfiN Gbaihtatid Ratbi or Momam Age at Entbt 50 51 52 53 64 55 56 57 58 59 60 61 62 63 64 65 9w .00678 .00729 .00787 .00850 .00920 .00994 .01078 .01167 .01267 .01374 .01492 .01620 .01760 .01911 .02074 .02252 .00979 .01057 .01141 .01234 .01885 .01447 .01566 .01699 .01844 .02000 .02170 .02355 .02556 .02776 .03012 .03267 .01141 .01235 .01339 .01452 .01S77 .01712 .01860 .02021 .02195 .02887 .02595 .03065 .03329 .03618 .08931 .01285 .01395 .01516 .01649 .01792 .01951 .02122 .02310 .02512 .02734 .02974 .03236 .03518 .08825 .04158 .04517 .01489 .01618 .01761 .01916 .02066 .02271 .02472 .02691 .02929 .08188 .08468 .03772 .04102 .04460 .04845 ?«+6 .01747 .01902 .02069 .02251 .02449 .02668 .02903 .03158 .03437 .08738 .04066 .04418 .04803 .05216 .05664 .06147 55 56 57 58 60 61 62 63 64 65 66 67 68 69 70 In the following exhibit spears a comparison, by groups ot affM at entry, of the actual deaths and the expected deaths for the first ten insuraiiee yean and by attained ages for the deraitfa and mammiOng insoranee years. The ex- peeted deaths are eafeolailed by the nHlmate These show iiie correetness of the procedure of obtaining the "ultimate" rates from the data for the sixth and succeeding insurance years. As additional proof, it may be mentioned that the ratio of actual to expected deaths for the eleventh to the fifteenth insurance years inclusive for ages of entry 15 to 34 inclusive was 98.7 per oenly while for the sixth to the tenth insurance yean it was lOOtl per owt *-lhe expected deaths being cafenlsted 1^ tiie m Akboqak Msn CoMPAUSON OF Actual Deaths With the Expected Deaths Calculati© bt THE American Men Ultimate Rates of Mobtauxy STNOPSIS Inmjbancb Ysab Age at Entbt Actual Dbaxu EXPBCTKD DbASHS Rahoov Actual TO £zracm> 1st 16-24 25-84 35-44 45-54 55 and over Totals $1,173,000 2,318,200 2,534,000 1,884,800 643,800 $8,553,800 $ 1,642,700 3,670,300 3,773,500 3,047,000 1,353,100 $18,486,600 71.4% 63.2 67.2 61.9 47.6 • 68.4% 2nd 15-24 25-84 35-44 45-54 55 and over Totals $ 973,800 2,280,600 2,732,100 2,241,000 821,400 $8,998,900 $ 1,078,700 2,685,200 3,042,400 2,584,100 1,313,000 $10,703,400 90^% 88.1 89.8 86.7 62.6 84.1% 3rd 15-24 25-34 35-44 45-54 55 and over Totals $ 909,100 2,010,600 2,770,800 2,468,500 1,156,600 $9,310,600 $ 942,600 2,494,900 8,028,600 2,722,100 1,471,700 $10,654,900 96.4% 80.6 91.6 90.5 78.6 87.4% 4th 15-24 25-34 35-44 45-54 55 and om Totals $ 787,800 2,201,200 2,558,600 2,590,300 1,408,200 $9,546,100 $ 838,200 2,358,100 3,029,200 2,808,900 1,615,400 $10,649,800 94.0% 93.3 84.5 92.2 87.2 89.6% 15-24 25-34 35-44 45-54 55 and over Totals $ 682,900 2,202,200 2,788,100 2,470,200 1,617,400 $9,760,800 $ 754,800 2,266,900 3,056,300 2,899,800 1,692,100 $10,669,900 90.5% 97.1 91.2 85.2 95.6 91.5% 6th 15-24 25-M 85-44 45-54 55 and over Totals $ 705,800 2,140,900 3,033,000 3,102,600 1,640,200 $10,622,500 $ 688,400 2,219,200 3,143,800 2,977,800 1,746,800 110,776^000 102.6% 96.5 96.5 104.2 93.9 K.6% 37 -■ - AmnuQAN Mm COMPABXBOS OF AcTUAL DEATHS WiTH THE EXPECTED DEATHS CaLCULATSD BY XHB AlTOlGAN MfiN UlTUIATS BaXHB OF MOBTAUTT ImuBAKCs Ykab AgsaiEntbt Actual Dxatu ExFwoamlbmam Ratio o# • 35-44 45-54 55 and over 1 mjaoo 2,209,900 3,448,800 3,153,400 1,657,400 tUi068J00 1 686,800 2,194,000 3,215,900 3,088,300 1,826,500 iiojeo.600 974% 100.7 107.2 102.1 90.7 10L2% 15-24 25-34 35-44 45-54 66 and over Totals $ 581,800 2,248,400 3,068,900 3,074,200 2,044,300 $11,017,600 $ 598,200 2,214,100 3,348,000 3,213,900 1,907,800 $11,281,600 97.8% 101.5 91.7 95.7 107.2 97.7% 9th 15-24 25-34 35-44 46-64 66 and over Totals 1 561,100 2,391,900 3,485,900 3,734,100 2,198,200 $12,371,200 $ 569,100 2,280,400 3,575,800 3,422,900 2,004,700 $11,852,900 98.6% 104.9 97.5 109.1 109.7 104.4% IMli .15-24 OCT OA 8fr''''44 46-64 66 and over Totals $ 465,000 o OAi inn 8,665,900 1,975,400 $11,832,800 $ 538,500 o Q1 Q QAA 3,762,100 8,672,800 2,078,600 $12,271,300 86.4% 1A1 9 97.2 94.8 96.0 96.4% 11th and 25-34 35-44 45-54 55^ 66-74 7&-M 85 and over Totals $ 1,321,900 14,308,000 43,234,100 80,658,400 107,268,800 72,522,300 13,944,100 $333,242,600 $ 1,343,300 14,307,400 42,906,400 80,733,500 107,062^00 72,848,900 13,942,100 $333,133,700 98.4% 100.0 100.8 99.9 ioa2 99L6 100.0 100.0% Comparison with Ambrigan Exferusncb Tabus In order that the difference between the net premiums by the American Experience Table and by the American Men Mortality TaUe (Ultimate) may be jwadily ami, tha foUowin^ Comparison of Net Premiums per $1,000 of Insurance, 3% Interest ordinary life £0-PAYMENT Un AaBAT Amsbican DoraBBNCB Age at Ambkcan AMW Simnr 20 40 60 $14.41 24.75 68.27 $11.75 23.06 67.64 -$2.66 - 1.69 - .68 20 40 60 $23.13 33.14 61.62 $19.45 31.09 -$3.68 - 2.06 - .28 20-YEAR ENDOWMENT INSURANCE An AT Entbt AMW DirWMMSNCM 20 40 60 $40.77 43.01 68.29 $38.54 41.24 68.28 -$2.23 - 1.77 - .01 It k avkbnt that ihe net iraninms under the new table are less than imder the American Biperience Table, the difference decreasing with increasing age at entry. Although the net premiums by the new table are less than the corresponding premiums by the American Table, yet this must not be taken as indicating that life insurance premiums have been too hi^ On Ptttidpatingpolicies the savingi in mortality are retoned to liie poKeyhokkr fcy ^^ o< riftmda or dhrideBda; on non-partidpatmg policies the policyholder reeetves ttie bsnefit of the mortality savings from the beginning of his policy, the loading in his premium being reduced in anticipation of such savings. The use of a different mortality table in calculation of premiums, therefore^ would not necessarily change the groes premiums chaiged for life m p m ^^ ^ ^ A brief comparison is now given of mean reserves under the above mfw^ npj tables: 2e COMPABiaON OF MSAN EBBSEYSa FEB $1,000 OF iNBUBANCaSy 8% IntEBEST mi OBDOIABT Ura IST TEAR 5th tear AoS AT Entbt AiimcAM DinwcE Age at Entry AmnoAif » 40 60 $10.75 20.81 46.25 $ 9.98 20.54 45.61 -$ .77 + .23 - .64 20 40 60 $ 40.92 87.14 181.98 $ 44.42 95.16 177J21 + $3.50 + 8.02 - 4.77 10th tear I 1 20th tbab 20 40 60 $ 84.29 179.86 848.75 $ 93.21 194.25 881.09 +$ 8.92 + 14.39 — 12.66 20 40 60 $193.00 385.28 628.41 $215.65 399.88 587.60 +$22.65 + 14.60 - 85.81 20-PATMENT LIFE l8T TEAR Sfm TMAB AOBAT DlFFEBENCE An AS American Difference 20 40 60 $19.64 28.86 49.70 $17.82 28.71 49.47 -$1.82 - .15 - .28 < 20 40 60 $ 88.91 135.58 201.65 $ 86.87 139.20 199.27 - ISL64 + 6.62 - 2.38 10th teab 20 40 60 $190.28 283.67 393.25 $184J8 292.02 386.64 -15.89 + 8.35 - 6.61 20 40 60 $455.25 661.01 864.78 $486.98 668.62 851.88 - 2^ - 12.90 1st tear 5th tear Age at £ntbt AimncAX AM<» Age at £ntbt AmBMSUi 20 40 60 $87.62 88.98 51.42 $37.23 89.05 51.42 - $.39 + .12 .00 20 40 60 $185.94 188.23 2U.48 $190.35 194.84 210.41 + $4.41 + 6.61 - 1.07 10th tear 20th tear 20 40 60 $404.56 405.81 417.99 $412.16 415.51 414.71 +$7.60 + 9.70 - 8.28 20 40 60 $985.44 985.44 985^ $985.44 985.44 985^ $.00 .00 .00 30 The effect of calculating reserves on the basis of the new table cannot be foretold by inspection of the above figures, as the differences vary with age at entry and with plan of innnranffe, A valuation was made of one ol the laigait and oldest life jnamraneeeniniMwlBih and it wa^ two per eent. greater NSIDERATIONS TO BE OBSERVED IN APPLYING THE TABLE While the taUe prasente the conAined mortaHty experienced by the ocnn- panles participating in Hie investigation, during the period of observation, it most be remembered that during the period there were marked changes in the conditions of the life msurance business in the United States. The effect of these changes upon the mortality is difficult if not impossible to analyze. It cannot be said that the table repreaaatB the mortality of transacting busmess in restricted areas mdy, nor is it certain to miiinMSil tiie averags arartality to be eipwienced in tka ftiftiire by the ccmipanies generally. It slMNild also be noted ttiat the table, covering as it does the period from 1900 to 1915, contains practically no experience of mortality due to war or to epidemic, such as the influenza epidemic in the last three months of 1918. In any application of the table due woju^dioiild be given to these eonsidsn^ tions. CANADIAN MEN DHKaipnoN OP Graduation The metliod of compiling and tabulating the data on Canadian men and llie rate imxter which the mft^^ In the f oHowing table appem a oonqMoiMO ol the rates of mortaUty on Canadian men for the sixth and succeeding iosnniiee ymm, wWi ralis of mor- tality under three tables: COMPABIBON OP BAnS cm MoMAiMI 1 Abb Ratio to AliEBICAN £XP£BI£NCE Tabui Ratio to Ratio to AmucAN Men -Cmmatb" (AM<«) 20 68% mo 105% 25 66 64 102 30 61 67 06 35 60 53 98 40 64 • 54 91 45 es 58 88 iO 72 64 86 56 79 71 84 60 86 77 86 65 88 88 87 70 89 89 90 75 01 93 94 80 d2 96 96 It win be seen that the mortality in Canada tar the sixth and succeeding insurance years is much lower than eiliMr Oe American EqfMrieiiee TaUe or the 0^^«. It is slightly highw than the American Men at tiie yown gaiss, and thereafter becomes gradually better, so that from ages 60 to 60 induive it b about eighty-five per cent, of the rates of mortality under the latter table. It was deemed advisable to make a graduation by a Gompertz or a Make- ham foRmda, or modification thereof, rather than by a sunple summation pmon. Thedatafor liMoiiUi and simeeding insurance years were combined in order to form an ultimate taUe. TH» following is a diseri|ition of tha graduation finally adopted: It having been decided to base the ultimate mortality table on the experi- ence excluding the first five insurance years, a preliminary graduation of the miadjusted rates of mortality was first made by the sunmiation formula fW61 Pn 118] { 1+2 [5] - [9] } , the table bang completed at the extremities by a inoafifatV?" of AeUand's denee^ wUdi assmnes that a series may be con- tfaraed by repeating the tmm hi rewie ordor. Tiie mod^gon eon a istad^ determining the error which would be introduced by ttis deviea into angidar 64 first difference serios and appljdng a corresponding correction based upon a value of the first differences determined accordmg to the circumstances. The value at age 20 was determined so as to give a suitable value for Qig and the value at age 96 so as to give the smoothest series of vabies for q«. This f onnuia is correct to third differences and was selected on acoooit of its wavMoMiiig properties. A cooq;Murison was made of tbe expected deaths according to this gradnated table with the actual, and a material deficiency was shown. In view of this deficiency the differences between the original imgraduated rates of mortality and the graduated rates of mortality so arrived at were again graduated by the formula tvVv 15J' [10] [4J and the result i^pplied as a oofiedkn to the first graduation. The ranilt of this procew is thi^ the foorth differeaee error Is tiieoreticany removed and tin final formula Is correct to fiftti cfiffeiences inclusive. The resoltiiig series of vahies for the rates of mortality still contained, however, major uregularities which were considered inadmissible, particularly at the older ages. It was accordingly regraduated by Makeham's second modifica- tion of Gompertz's formula. It was found possible to fit the origmal data with a series according to this law in a fairly satisfactory manner down to age 35. Below that age, however, a qpedal modfficatkm was necessary. The For ages 15 to 20, inclusive: cologp, =.001539 -.000041 (20-«)+10^-^»»+<^- For ages 20 to 86, inclusive: cologp, =.001689-.000040(a: -20)+.00000036(a:-20) (35 -a;)2+10^ For ages 35, and over: colQgp, =.001539 -.000040 (« -20) -hlO^ *** The values BVIA!SI01f 15-19 20-24 25-29 80-84 86-89 ^^^™44 45-49 50-54 55-59 60-66 $ 299,800 779,900 841,800 750,400 689,600 412,300 287,600 188,700 118,000 $ 348,500 794,000 883,200 673,200 681,000 ^,600 502,000 347,600 190,000 84,600 - $ 48,700 - 14,100 - 41,400 + 77,200 + 61,600 + 88,000 - 89,700 - 60,000 - 1,300 + 33400 - $ 48,700 - 62,800 - 104,200 - 27,000 + 84,600 + 117,600 + 27,800 - 32,200 - 33,500 100 14,800,600 14,860,700 +I266A00 - 266,200 100 36 CoMPABnoH ov Actual with Expsctxd Da Aiu a Cm i imm t i SUBSEQUENT IMSinUllCai TBABS Attained Aos SzracTED Actual Dkatu Damntar Accumulated Dktiation 20-24 26-29 30-34 35-39 40-44 45-49 oif-oa 66-69 60-64 65-69 70-74 75-79 80-84 86-^ 90-06 $ 90^ 427,700 749,100 1,061,400 1,397,600 1,809,700 2,762,900 8,129,800 3,321,700 3,127,500 2,395,200 1,396,500 479,900 81,300 $24,521,100 1 90,600 446,600 701,700 1,040,200 1,437,300 1,819,500 A,iifiOf |iOUU 2,686300 3,224,300 3,562,500 3,168,900 2,344,100 1,154,600 617,200 96,700 $24,526,200 - 1 100 - 18,900 + 47,400 + 21,200 - 39,700 - 9,800 J. fis ion + 07400 - 94,500 - 240,800 - 41,400 + 51,100 + 241,900 - 37,300 - 14,400 +$491,800 - 496,900 -$ 6400 - 1 100 - 19,000 + 28,400 + 49,600 + 9,900 + 100 + 180,800 + 35,800 - 205,000 - 246,400 - 195,300 + 46,600 + 9,300 - 6400 ALL AGES AT ENTBY COMBINED DXATHS Actual Dkaths DanATioN ACC'UMUIATSP DxTiATKnr 1 2 3 4 5 6 and sub. $ 1,039,800 1,042,900 969,900 921,100 886,900 24,621,100 $29,381,700 $ 1,039,300 1,013,700 1,112,100 878,800 816,800 24,526,200 $29,386,900 + $ 500 + 29,200 - 142,200 + 42,300 + 70,100 - 6,100 +$142,100 - 147,300 -$ 5^ + $ 500 + 29,700 -112,500 - 70,200 - 100 - 6,200 In the f oOowiog table appear the graduated rates of mortalky for the first Ave iasoiittw years and for tiiesiitti and sneeew 37 Canadian Men Grabuatbd Batbi ov MonALUT Canadian Mw Graduated Rates of Mortality AT Entbt 15 16 17 18 19 20 21 22 28 24 25 26 27 28 31 32 83 84 86 87 38 89 40 41 42 43 44 45 46 47 48 49 9m .00195 .00202 .00210 .00217 .00225 .00233 .00240 .00245 .00249 .00262 .00254 .00254 .00255 .00255 .00255 .00256 .00258 .00262 .00266 .00278 .00280 .00290 .00315 .00331 .00348 .00668 .00413 .00489 .00469 .00502 .00538 .00580 .00307 .00317 .00826 .00885 .00846 .00354 .00361 .00365 .00866 .00365 .00364 .00361 .00359 .00857 .00357 .00359 .00363 .00870 .00402 .00416 .00482 .00450 .00471 .00494 .00520 .00549 .00582 .00618 .00659 .00704 .00342 .00353 .00864 .00876 .00886 .00394 .00397 .00399 .00899 .00696 .00394 .00391 .00387 .00383 .00882 .00681 .00383 .00387 .00394 .00402 .00414 .ooer .00441 .00458 .00477 .00499 .00625 .00584 .00619 .00659 .00702 .00751 .00805 .00370 .00383 .00895 .00407 .00415 .00419 .00421 .00421 .00418 .00416 .00411 .00408 .00404 .00403 .00401 .00106 .00408 .00415 .00426 .00489 .00458 .00470 .00489 .00511 .00535 .00563 .00694 .00668 .00712 .00761 .00815 .00875 .00942 .01016 91444 .00393 .00406 .00418 .00427 .00482 .00434 .00434 .00433 .00429 .00426 .00423 .00419 .00418 .00417 .00420 .00425 .00434 .00445 .00460 .00476 .00495 .00616 .00539 .00567 .00598 .00682 .00671 .00715 .00768 .00816 .00877 .00943 .01017 .01099 .0U89 9h4 .00412 .00423 .00482 .00487 .00440 .00440 .00439 .00436 .00482 .00428 .00425 .00426 .00429 •00485 .00445 .00457 .00473 .00490 .00511 .00587 .00620 .00657 .00698 .00745 .00796 .00854 .00917 .00987 .01066 .01153 .01249 .01854 At- TAINEO Agb 20 21 28 24 25 26 27 28 30 31 32 33 84 86 86 37 38 40 41 42 43 44 45 46 47 48 49 50 51 52 58 64 AT £ntbt 9m 9w+i 9w+i 9w+i 9«4« At- tained 60 .00674 .00809 .00981 .01098 .01289 .01471 55 61 .00728 .00871 .01006 .01189 .01399 .01599 56 52 .00788 .00937 .01087 .01289 .01521 .01741 57 53 .00856 .01013 .01177 .01400 .01654 .01897 58 54 .00928 .01096 .VA4Amm MOM 55 .OlOU .01186 .01886 .01657 .01964 .02258 60 OD A19QP7 .UlSSof .OIoUD .01804 .02148 .02464 61 67 .01198 .01898 .01639 .01968 .02339 .02692 62 58 .01305 .01519 .01785 .02146 .02555 .02942 63 59 .01425 .01653 .01947 .02348 .02792 .08217 64 60 .01554 .01799 .02123 .02569 .08050 .06518 66 61 .01698 .01962 .02817 .02795 .03886 .08847 66 62 .01866 .02140 .02^ .08056 .03647 .04208 67 68 .02027 .02884 .02765 .03341 .03989 .04603 68 64 .02217 .02547 .03022 .03653 .04364 .05035 69 65 .02426 .02783 .03808 Mm 1 .04778 .05507 79 In order that the effect of the graduation may be seen for each ot the fiist ten insurance years and for the eleventh and succeeding insnmiiee years, a summary is given of the actual and ea^eeted deaths for tbeie yean for tlia four decennial entry aca iNNq^ fkm 16 to 64 faetainve, aiid fd^ orvar hi anothor 89 Canadian Msn CoMPAsnoii OF Actual J^miam With thb BnacTn Dbatbi CUlculaied by THE Canadian Ultimate Ratm Mobtalitt STNOPSIB T Inbusancb YB4& 1st Am avEmtbt 1&-24 25-34 35-44 45-54 55 and over TolalB Actual Dsaxhs $ 26M00 342,600 204,600 172,800 65,000 $1,040,800 EXPXCTKD DSATHS $ 418,100 597,200 383,500 212,500 85,300 11,601,800 Ratio or Actual to expectsd 61^% 67^ 53.4 81.3 76.2 6L6% End 15-24 45-64 55 and over Totals $ 278,200 284,800 187,000 191,700 63,500 $1,014,700 $ 291,900 484,200 806,000 177,900 77,200 $1,287,200 95.3% 6&6 644 107^ 82J 78.8% 3rd 1&-24 25-34 8&44 45-64 66 Totals 200,500 372,800 285,600 221,200 98,900 $1,124,( $ 243,700 360,000 273,600 164.700 88»600 $1,124,500 82.3% 103.6 86.1 184^ 118^ 100.0% 4th 15-24 25-34 35-44 4&h64 and over Totals $214,500 312,200 212,200 105,000 84,900 $878,800 $ 209,000 306,800 249,800 158,100 85,300 $1,009,( 102.6% 101.8 84.9 66.4 40.9 87.1% 6th 15-24 25-34 35-44 45-54 65«iido¥« $194,000 244,500 188,200 158,900 8i;800 I81M0O $181,400 268,300 232,400 153,500 89400 $924,700 15-24 26-84 35-44 45-54 65 and over Tolab 1204^ 221,700 253,600 93,500 60,000 $888^600 1160,000 240^ 221,700 149,500 92,600 $864^^00 106.9% 91.1 81.0 103.5 86.0 8as% 128.0% 114.4 62.5 64.8 9&6% 18 Canadian Men CqmfABibon of Actual Deaths With the Expected Deaths Calculated by THE Canadian Ultimate Bates of Mortality smopaiB AnATBinair Actual Dbathb EXPBCTSD DkATHS Ratio of Actual to By nil IBM ISXPINJl'ILD 7tti 16-24 26-84 86-44 45-54 55 and over Totals $180,000 170,100 192,900 136,000 62,700 8691.700 $142,600 220,800 211,700 145,100 98,800 8818.600 91.2% 77.2 91.1 93.7 63.5 16-24 26-84 35-44 45-54 66 and over Totak $144,800 204,000 198,800 97,100 152,300 $796,600 $128,100 206,900 210,000 146,800 104,800 179^800 112.6% 98.6 94.7 66.1 146.8 100.0% tth 15-24 25-34 35-44 46-54 66 and am ToiBb $89,500 218,300 167,500 150,500 181,200 1807,000 $115,400 199,600 212,400 151,900 105,400 $784,700 77.6% 109.4 78.9 99.1 171.9 102.8% 10th 15-24 35-44 46-64 66 and ovBT Totals $108,500 OCiA AAA 222,100 180,800 112,000 $777,400 $104,600 215,700 164,600 104,400 $772,900 103.7% 1 AC A 1U5.4 103.0 84.6 107.8 100.6% Utiiand subsequent Abbaibbb Abb 25-84 35-44 45-54 55-64 65-74 76-84 86BDda?Br Totals $ 269,500 1,432,700 3,090,400 5,393,200 6,391,600 8^,700 612,900 $20,620,000 $ 293,000 1,384,900 3,109,100 5,239,200 6,186,600 8,760,800 561,200 $20,484,600 92.0% 103.5 99.4 102.9 104.2 9L2 1092 100.7% 41 In Older to abow the effect oi the mm taMw on net preminmi and leewfee oonipfirod with the ppeeent stuidard in Canada (OMCO) ^ eodiiUt has been prepared on the three most popular plans of insurance, ordinary life, 20-pay« ment life, and 20-year endowment insurance, for three ages, 20, 40, and 55: CoMPABisoN OF Nbt Pbemiums Feb $1,000 OF Inbubance, 3% Interest OBDINA&Y LIFE 20-PAYMfiNT UFB An AT Bmtbt CM(») DiFFEBXNCE Entry CM(«) Difference 20 40 55 $14.10 25.54 4&61 $11.27 21.63 41.99 -$2.88 - 3.91 20 40 55 $22.59 33.95 5L97 $18.88 29.70 47.42 -$3.71 - 4.25 MM SNDOWl DmAMon Age AT EilTftf 20 40 66 $40.13 48.54 65.81 • $38.56 4a58 ta.19 -$1.57 - 2.96 - 412 Cmmmm or Mmmx IImw ¥m $1,009 cm lmmjoKm, 8% Jxmmmn OBMNABT Un 1st yeab 5th TEAR AOE AT £llTBT oum cum DiFFEBENCE Age at Ehtbt CM(«) Difference 20 40 66 $11.08 21.12 87.18 $9.40 19.33 86.48 -$1.68 - 1.79 - L70 20 40 66 $45.23 90.88 14&71 $40.85 90.25 16L76 -$4.38 - .08 + 8.04 20th tear 29 40 66 $ 98.68 188.08 288.99 $ 88.80 186.80 295.26 -$7.28 + 2.77 + 8.27 20 40 55 $209.86 881.42 540.53 $208.16 390.49 555.11 -$6.71 + 9.07 +14.58 20-PAYMENT LIFE lav rmut 5ni TKAR CMW DiflMBICE Age at ao 40 55 $ 19.78 29.70 42.68 $ 17.14 27.55 41.04 -$2.59 - 2.15 - 1.64 20 40 55 $ 91.77 136.92 179.49 $ 82.84 134.45 182.44 -$9.48 - 2.47 + 2.95 10th YEAR SOlH YEAR 20 40 66 $196.04 287.60 86a81 $176.94 283.51 867.86 -$19.10 - 4.09 + 6.55 20 40 66 $462.89 663.65 814.84 $421.33 644.00 80a20 -$41.56 - 19.65 - 6.14 80-nAB mDowMBiT rasmuHCB . 1st year 5th year Age at Emtst DmvBnrcE ■ Age at . Emtbx Difference 20 40 66 1 $37.59 39.48 46.11 1 $37.16 38.62 44.89 -$ .43 - .86 - 1.22 20 40 $187.91 190.04 19&72 $189.60 193.97 aos.72 +$1.69 + aas + &eo 10th tear 20 40 6B $407.73 406.82 408.94 $411.81 416.12 ^7.88 +$8.58 + a8o + ia44 20 40 66 1966.44 968l44 966.44 9066.44 966.44 985.44 $ M .00 .00 43 It may be said, in general, tlisl; iwl p«^^ than under the preset standard for Canada. WlMHier tha to«al mean va» serves for a company would be higher or lower under the former than under the latter would depend upon the distribution of the business by plan and by entry ago and by duration. A brief table is now given to show the difference between the net preminmB and reserves on the American Men and on the Canadian Men ultimate tables. CoMPAamoN OF Nbt TuMMnnm not $1,000 op teinuiicB, 8% Imijhuot OBDINABT UFB Age at Entbt AOE AT Entbt 20 40 60 $11.75 28.00 57.64 $11.27 21.08 54.08 -1 .48 - 1.48 — 8.66 ao 40 00 $19.45 a.09 CMW DifnHmcB| AMW CM(«) DllTEBENCB ao 8 9.98 $ 9.40 -$ .58 20 $ 44.42 $ 40.85 - $3.57 40 20.54 19.33 - 1.21 40 95.16 90.25 - 4.91 60 46.01 48.90 - 1.62 60 177.21 177.86 + .74 10th T£AB I 1 80lH TSAB » 1 86.80 -t&oi 20 $216.66 $203.16 -112.50 40 1M.26 186.80 — a46 40 soass 80a4» - aso «0 881.09 887.32 + 6.23 60 687.60 007.07 + ia47 4i COMPABMOW OP MbAM RuoaSTm PBB $1,000 aa IhSUBAMCB, 8% iBTBBBKr 20-PATllENT ura IST TBAB 5th teas Ami AT AMW DlITEBENCE Agba? JBhtst DnrauBircai 20 $17.82 $17.14 -$ .68 20 $ 86.87 $ 82.84 -$ 4.08 40 28.71 27.55 - 1.16 40 139.20 134.45 - 4.75 60 49.47 47.86 - 1.61 60 199.27 199.83 + .56 lOm TBAB 20fH TBAB 20 $184.89 $176.94 -$7.95 20 $436.93 $421.33 -$15.60 40 292.02 283.51 - 8.51 40 658.62 644.00 - 14.62 60 886.64 88L89 + 4.76 86L88 862.80 80-TB4B BMDOfWMBMT nVOBAMGB 1st TBAB 5th TBAB AoE AT Smtax AM« DinVBSNCE Age at Emxet AMW DmnuMCB 20 40 60 $87.28 39.05 61.42 $87.16 38.62 49.94 -$.07 - .43 - 1.48 20 40 60 $190.86 194.84 210.41 $189.00 193.97 211.62 -$ .76 - .87 + L21 lOm TBAB 1 1 ton TBAB 20 40 60 $412.16 415.51 414.71 $411.31 415.12 42a61 -$ .85 - .39 + 6.80 20 40 60 $985.44 985.44 986.44 $985.44 985.44 866.44 $ .00 .00 jOO The tongobig Aam that Ihe net pranhim fa SHiendly lower imder Umb Canadian than under the American Men experience, and the same is true of the reserves except at the older ages at entry. 45 MORTALITY AMONG WOMEN hk Vo^QjeJI., pages 86 to 48, of tiie Report on tiie Medieo-Aetiiarial Mortality InTestigation, there appears a synopsis of the mortality experienced by the forty-three companies under the following four classes: (a) S^pvtam (ft) Married iP(mieii,beiie8dary husband. (c) Married women, beneficiary other than husband. (it) WidoiiB aad dirapeed. The following were the results, measuring the expected deaths by the M. A. Mortality Table: 'Oywi Actual Umam £XFSCTKD Ratio of Dbathb 149,519 3,557 4,412 81% Married women, beneficiary hu»- 94,813 3.286 128 Married women,baiieieitt7 other tfaaa Imibttid 82,973 4,403 8,869 114 66,727 4,812 4,124 106 Total 393,032 15,507 14,971 104% When the data on the four groups of women were di^ded into three plane of innvanee— (a) ordinary life, (6) Ulnitedipaynmt lif ^ (e) endowment iiMnrinee — ft WIS aiqparant lliafc the married women was mudi Y&fgtmt than among spinsters hisored on the same plan. The relative mortality among the four classes of women under each plan differed little from the aggre- gate experience for all plans. It is apparent from the foregoing that the mor- tality among women in the aggregate would depend largely on the distribution of the four groups above mentioned. A eompany which insured spinstas only wooM probaUy haire a distinctly b^^ter mortaii^ than one ried women only, and the ineidenoe of mortality might be maikedly diAeraEt The aggregate experience, therefore, should not be made the basis of a mortality table for purposes of calculating net premiums or reserves. The chief work, accordingly, of the committee is to present the new data in such fonnthat it may be used by future investigators. AmncAN Women In the following table appeus a comparison of the actual deaths in the pfesenl iaraMipAiQn wWt ttte aipe c t e d de a ths nc iw i Ww g to the Am er tam Mm select and ultimate rates of mortality; L e., a DsATHS Calculated bt Canadian Men Select and Ultimate Tablb iiasv vo inn niBiiBAiiOB nils Age at Emtbt Actual DSATHS £XPECTED DKA.TH8 15-24 25^ S&44 45-64 65 and over 1 31,000 67,500 18^ 28,000 14,500 $149;200 $•30,000 44,600 27,000 8,600 $126,600 103.3% 151.3 48.9 188.4 170.6 117.9% aniTB AMD suocm iDING nWOEANCE YEARS Attainsd Acn AOTUAIt Dbatrs Dbathb Ratio 20-39 40-59 60 and over $112,000 148,500 262,800 S528J00 $66^700 180,000 314,300 $560,600 170.6% 82^ 88.6 83.8% all Aom AT nmnr coMBmm Insurance Yeab 1 2 S 4 6 6 and Actual Deaths $ 28,000 44,200 26,000 25,000 628,800 $672,500 $ 24,800 27,000 25,600 24,900 24,800 560,600 $687,200 112.9% 163.7 101.6 100.4 107.0 93.8 97.9% Measuring the experience of Canadian women for the sixth and succeeding insurance years by the graduated ultimate rates of mortality for American men it was found that the ratio of actual to expected deaths was 84.1 per cent The experience has been slightly more favorable in the aggiegate than Canadian men, but less favorable in the earlier insoianee years and at ibe yonaiv attained ages. It has been lower on the wfade tiian among American women, but tids may be partly due to a larger proportion of unmarried wage- eamers being insured in Canada than in the United States or to a different distribution of the business between veiy healthful and less healthful ^fl^i^f^ t f 49 AMBBiT AN4;:ANADIAN MQRTAUTY INVfiSTIGATION 1800*1915 AMEBICAN MEN AM (S) ELEMENTARY VALUES U 16 17 18 19 20 n 27 80 81 82 36 87 88 40 41 42 48 U 46 48 47 48 49 100,000 99y664 99,302 98,942 9^75 984W KJUA 97»421 97,020 96,614 96,203 95,788 9M71 ujm 94,114 93,694 93,274 91,994 91,554 91,102 90,636 M4M 89,129 88,580 88,001 87^ 8^742 86,068 85,320 84,537 88,701 360 367 376 385 401 406 411 415 417 419 419 419 420 420 421 440 452 466 482 m 524 549 579 611 648 788 783 836 886 MOBXAUTT CoMPUBTB TION or Lira Am • Lmm 1 NUMBBB Dting dm Rasbov MOBTAUTT CoMMmi TION OF liUm .00846 G0.06 60 82305 968 .01168 21.29 00353 49 23 61 81,846 1,026 .01264 20.68 .00363 48.40 52 80,820 1,101 .01362 19.79 .00371 47.58 53 79,719 1,178 .01478 19.05 .00381 46.75 54 78»541 lp263 .01608 18.33 .00882 45.98 65 77,278 1,350 .01747 17.62 .00102 45.11 66 76^828 1,444 .01802 16.98 .00412 44.29 67 74,484 1,541 .02069 16.26 .00418 43.47 58 72,943 1,642 .02251 15.58 .00425 42.65 59 71,301 1,746 .02449 14.93 .00431 41.83 60 69,555 1,856 . 02668 14.29 .00435 41.01 61 67,699 1,965 .02903 13.67 .00488 40.18 62 65,784 2,076 .08168 18.06 .00441 89.86 68 64 68,668 2,188 .08487 12.47 .00443 38.53 61,470 ^^^^^^ 2,298 .08738 4 ^ ^^^^ 11.90 .00446 37.70 65 59,172 2,406 .04066 11.34 .00448 36.87 66 56,766 2,508 .04418 10.80 .00451 36.03 67 54,258 2,606 .04803 10.28 .00460 86.10 68 51,652 2,694 .06216 9.77 .00168 84.86 68 4^968 2,773 .06664 9.28 QQ M OO . 01 .UOX4f o .ox .00494 32.67 71 43,346 2,891 .06670 8.35 .UUolZ ol.oo 40,455 I .91 .00532 30.99 73 37,529 2,942 .07839 7.49 80.16 » 84687 2,987 .08482 7.08 .00584 29.82 76 81,660 2,910 .09194 6.69 .00616 28.49 76 28,740 2,860 .09951 6.32 .00654 27.66 77 25,880 2,786 .10765 5.96 .00694 26.84 78 23,094 2,686 .11631 5.62 .00742 26.08 78 20^408 2^666 .12669 6.80 .00704 26.22 80 173tt 2,422 .18674 4.98 .00862 24.41 81 15,421 2,258 .14642 4.69 .00918 23.62 82 13,163 2,078 .15787 4.41 .00989 22.83 83 11,085 1,885 .17005 4.14 .01070 22.06 84 1^ .18315 8.89 m 53 AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 AMERICAN MEN AM*" ELEMENTA&Y VALU£S AOB • LmiNi Dtdmi 4» BiATB OF MlMSAUfT Complete GXPBCTA- TION or Lns • NnilBEB LlTUfO 1. NuilBBB DiDia Ratb or %• CoMPian EXFBCTA* lb 85 7,515 1,481 .19707 3.65 95 294 114 .38776 1.87 86 6,034 1,278 .21180 3.42 96 180 74 .41111 1.74 87 4,756 1,081 .22729 3.21 97 106 47 .44340 1.61 88 3,675 897 .24408 3.00 98 58 27 .45763 1.50 727 .2S170 ZM 80 82 16 .60880 1.84 90 2,051 575 .28035 2.68 100 16 9 .66260 1.10 91 1,476 442 .29946 2.46 101 7 4 .57143 1.07 92 1,034 332 .32108 2.30 102 3 2 .66667 .83 93 702 240 .34188 2.15 108 1 1 iHiiiiiiiiia .60 M 4162 .86864 2*ai AMERICAN -CANADIAN MORTiUUTY INVESTIGATION 190a-1915 AMERICAN MEN AM '** COMMUTATION TABLE 3% Age X JL/z CMC 15 64186.20 1630817.62 33095847.87 16 62161 62 1666681 42 81466080.25 17 60079.84 1504680.84 29896898.88 18 58118.00 1444451.00 28893868.49 19 56215.95 1386333.00 26949417.49 20 54370.40 1330117.05 25563084.49 21 52579 85 1275746 65 24232967 44 22 60648.29 1228166.80 22957220.79 28 49159.28 1172828. SI 217S4068.99 24 47527.69 1123164.28 20561730.48 25 45947.09 1075636.59 19438566.20 26 44416 .^Q 18.^62929 61 27 42984.98 985278.11 17333240.U 2B 4i6ia.a 912888.18 1«847967.00 29 40U4.78 900686.82 1640G8S8.87 30 Z^ll^ . 72 860722.09 14504792 . 05 31 87476.40 821948.37 13644069.96 32 36221.75 784471.97 12822121.59 88 86008.02 748260.22 12087649.62 84 88882.48 718242.20 11289699.40 35 32693.14 679409.77 10576157.20 36 31589.10 646716.63 9896747.43 o( oUol / . OlolZY . 5o 38 29477.20 584609.91 8634903.27 80 28466.46 666382.71 8050898.86 40 27483.74 526666.26 7496160.66 41 26527.29 499182.52 6968494.39 42 25596.01 472655.23 6469311.87 43 24688.06 447059.22 5996656.64 44 28802.67 422871.16 5649697.42 46 22867.96 896666.69 5127226.26 46 22092.95 375630.66 4728657.67 47 21266.76 353537.71 4353027.01 48 20457.85 332270.95 3999489.30 49 18666.67 8U813.10 8667218.35 65 AMERICAN -CANADIAN MORTALITY INVESTIGATION 1900-1915 AMERICAN M£N AM*" COMMUTATION TABLE 3% m & 50 18888 •41 1 292147.58 8866406.26 51 18125.88 273259.12 8068257. 72s 52 17377.33 255133.24 2789998.60 53 16641.36 237755.91 2534865.36 64 15917.92 221U4.55 2297109.45 66 16206.77 205196.68 2075994.90 14604.60 66 188990.86 lo7vf9D.Af 57 13814.69 175485.87 1680807.41 58 13134.83 • 161671.18 1505821.64 59 12465.20 148536.35 1343650.36 60 11806.79 136071 . 15 1195114.01 6i 11166.08 124266.86 lUo«n)4Z . oo 62 10616.76 118109.28 984777.60 63 9887.986 102592.624 811668.216 64 9270.023 92704.538 719076.681 65 8663.565 83434.515 626371 . 153 66 8060.218 74770 . 950 1 542936.638 67 68 7488.067 66701.782 468165.688 6920.^796 69218.666 401468.966 69 6868.784 62292.872 842280.291 70 5833.044 45924 . 108 289957.419 71 5315.035 40091.064 244033.311 72 4816.061 34776 . 029 203942.247 78 4887.601 29059.968 169166.218 74 8881. m 1 26622.867 188206.260 75 3448.116 21741.286 118688.888 76 3039.889 18293.120 91842.647 77 2657.651 15253.231 73549.527 78 2302.479 12595.580 58296.296 79 1076.421 10298.101 45700.716 80 1696.888 8817.680 86407.616 81 1407.010 6640.847 27089.986 82 1166.011 5233.887 20449.088 83 953.3362 4067.8260 15215.2513 84 768.1764 3114.4898 m47.4253 M AMERICAN -CANADIAN MORTALITY IN VA&TIOATION 1000- 1015 AMERICAN MEN AM"* COMMUTATION TABLE 3% Age c Me 85 86 87 88 89 609.2070 A1A onoA 868.4164 272.6860 200.0872 2346.3134 1'7fl'7 lAfi^ IfOC .XUM 1288.2944 898.7890 626.1540 8032.9355 5686.6221 8919.6167 2687.8118 1788.5223 90 91 92 94 143.4219 100.2072 68.16470 44.98887 28.70406 426.0668 282.6449 182.43771 114.28801 69.86984 1162.3683 736.3015 453.65659 271.21888 166.98W7 95 96 97 98 99 17.73417 ' 10.54142 6.026915 8.266897 l.fUOM 40.65531 22.92114 12.379717 6.352802 8.096996 87.57653 46.92122 24.000075 11.620358 5.267666 100 101 102 108 .8325254 .3536212 . 1471378 .0476174 1.3809018 .5483764 .1947552 .0476174 2.1716508 .7907490 .2423726 .0476174 57 AMERICAN -CANADIAN MORTALITY INVESTIGATION 1900-1915 AMERICAN MEN AM*" COMMUXATION TABLE 3% m Cx Ml IK AMMO M4A i« 212.9668 16471.0872 8G0174.SU4 17 211.4621 16258.0714 633703.1742 18 209.2950 16046.6093 617445.1028 208.1^ 15837.3143 601398.4936 20 206.9666 15629.1322 585561.1792 21 MAS' -a Ai4o . S2 158.7281 13373.0504 411012.1025 88 166.9861 18214.8228 897689.0621 84 168.^0 18068.8872 884424.7298 35 151.8143 12904.5062 371366.3426 36 151.4123 12752.6919 358461.8364 37 151.5554 12601.2796 345709.1445 88 152.1932 12449.7242 333107.8649 88 168.6860 12897.6810 820668.1407 40 155.9571 12143.9460 806860.6097 41 158.6386 11987.9889 296216 . 6637 42 162.4344 11829.3503 284228.6748 43 166.4192 11666.9159 272399.3245 4A 171.8662 11600.4967 260782.4086 46 176.8916 11829.140S 24fle81.«119 46 182.7067 11162.2490 287902.7714 47 189.4851 10969.5423 226750.5224 48 196.4184 10780.0572 215780.9801 49 204.3889 10583.6388 205000.9229 AMERICAN. CANADIAN MORTAUTY INVESTIGATION AMERICAN MEN AM*" COMMUTATION TABLE 3% An • 50 212.3832 10379.2549 194417.2841 fit 1A1M ft717 lAdA3^ Q2d2 82 229.88a 9046.2686 178871.1S75 68 238.7456 9716.4845 168924.8889 54 248.5169 9477.6890 154208.4544 55 257.8987 9229.1721 144730.7654 M 2fi7 821.'=» 8971 2784 135501 5933 87 277.4876 8703.4519 126530.3199 a 287.0888 8425.9648 117826.8680 296.8610 8188.9015 109400.9087 60 305.8491 7842.5475 101262.0022 Si .^14 7536 6984 93419 4547 tt 322.4647 7222.3186 85882.7563 44U4oU . i^i 32 31021 . 97 624787.67 9783390.22 33 j 29837.63 693766.70 9168602 66 84 28096.87 668628.07 8664886.86 35 27596.07 535231.70 8000908.78 36 26535.34 507635.63 7465677.08 25511.44 481100.29 6958041.45 38 24522.65 455588.85 6476941.16 39 28667.88 481066.20 6021868.81 40 22648.88 407498.82 5590286.11 41 21760.27 384854.94 5182787.29 42 20885.31 363104.67 4797932.35 43 20047.15 342219.36 4434827.68 44 19284.74 822172.21 4092608.82 45 18446.49 802987.47 8770436.11 46 17681.18 284490.96 3467498.64 47 16937.70 266809.85 3183007.66 48 16214.74 249872.15 2916197.81 49 15611.49 233657.41 2666325.66 AMERICAN-CANADIAN MORTAUTY INVfiSTIGATIOK AMERICAN MEN AM"' COMMUTATION TABLE 372% Age I 9 1 60 14826.51 218145 . 92 2482668.25 51 14159 23 203319 41 2214522 . 33 52 13508.92 189160.18 2011202 . 92 a 12874.20 176661.26 1822042.74 12266.12 182776.87 1646881.48 55 11650.29 150521.85 1483614 . 51 56 11059 68 138871 56 1333092 66 57 10482.46 V 127811.88 1194221.10 58 9918.439 117329.418 1066409.223 60 0887.312 107410.070 848070.806 60 8^.918 98043.667 841668.826 61 8302 730 89214 751 743625 159 62 7789.119 80912.021 654410.408 63 7288.043 73122.902 573498.387 64 6790.560 65884.850 500375.485 OS 88M.024 68086.288 484640.686 fi6 w 5881 722 62711 276 876606.827 67 5413.278 46849.558 322794.052 68 4979.014 41436.275 275944.499 69 4559.734 36457.261 234508.224 70 4156 . 009 01 OtVJ COT 71 3768.688 27741.618 166168.486 J50lff2.OOB JOOUX. vxo 73 8045.941 20574.541 114439.036 74 2712.233 17528.600 93864.495 75 2397.991 14816.367 76335.895 76 2103.876 12418.376 61519.528 77 1880.448 10814.600 40101.162 78 1678.168 8484.0BB 88786.668 79 1347.450 6906.888 80802.600 80 1138.256 5558.439 23396.711 81 950.4827 4420.1830 17838.2720 82 783.8739 3469.7003 13418.0890 88 687.8082 2686.8264 0048.8887 84 SU.4444 aoi8.0e82 7268.8828 10 AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1M5 AMERICAN MEN AM COMMUTATION TABLE 3V2% Aon 9 Dx Hz OCT OO 403 6447 1536.5788 5214.5391 on OO Q1 Q 1 QfJtt OlO.lOfO llo2.9o41 8677.0608 87 288.4687 818.7866 88 178.0866 581.8278 1725 . 2297 89 130.0293 403.2923 1143.9019 90 92.75432 273.26297 740 . 60960 91 64.49329 180.50865 467.34663 92 48.65242 116.01686 286.88788 88 28.68417 72.88284 84 18.20746 48.72877 98.45968 95 11 . 19474 25.52132 54.73091 96 6.622148 14.326582 29.209587 87 3.767836 7.704434 14.883006 88 2.026272 8.086688 7.178671 88 1.00881 1.010886 8.241073 100 .5129618 .8484953 1.3316470 101 .2168317 .3355335 .4831517 102 .0897854 . 1187018 .1476182 103 .0289164 .0280164 .0280164 71 iUMSBlCAN-Ci^AIttAN MORTAUTY INVfiSTlGATiON AM AMERICAN M£N COMMUTATION TABLE V/2% Mx 15 le 17 18 19 20 21 28 24 25 26 27 28 2a 30 81 82 33 84 86 37 38 89 40 41 42 43 44 45 40 47 48 49 199.5402 196.1357 198.8100 190.8971 188.9648 186.9448 184.3762 181.7675 177.8106 17S.9184 169.6676 164.7201 169.9132 154.5055 140.2807 144.5767 139.6877 135.2853 132.2628 129.8900 127.1264 126.5743 126.0819 126.0008 126.5388 127.8721 129.4427 131.8996 134.4825 137.8032 141.5674 14B.S149 150.1845 154.9277 160.4318 12850.3988 12650.8586 12454.7229 12070.0168 11881.0510 11694 . 1062 11509.7300 11827.9625 111G0.1S19 10976.2385 10806.5709 10641.8508 10481.9376 10827.4821 10178.1514 10033.5747 9893.8870 9758.6017 9626.8889 MS6.4489 9868.9225 9242.3482 9116.2663 8990.2655 8868.7267 8606.4116 8474.5120 8340.0295 8202.2263 8060.6588 7V15.1440 7764.9596 7610.0318 487244.0742 474393.6754 461742.8168 487027.1810 424957.1652 413076.1142 401382.0080 889872.2780 878644.8166 367394.1636 356417.9251 345611.3542 834969.5034 824487.5668 814160.1887 303981.9823 293948.4076 284054.5206 274295.9189 26S178.1S11 245804.2086 236561.8604 227445.5941 218455.8286 209681.0019 200666.7478 192249.3360 183774.8240 175434.7945 167282.5682 UM71.9088 161266.7668 143491.8058 AMERICAN M£N COMMUTATION TABLE 3V2% Age • irJLX Im GO 165.9055 7449.6000 135881.7740 61 171.4941 7283 6945 128482 1740 62 177.8070 7112.2004 12U48.4796 6i 188.8068 6984.8984 114086.2791 64 190.4075 6750.5846 107101.8857 66 196.6411 6560.1771 100351.3011 66 203.2204 6363 5360 93791 1240 67 209.5378 6160.3156 87427.5880 68 215.7211 5060.7778 81267.2724 80 221.6tlS 6786.0667 76816.4946 60 227.6233 5513.4294 69581.4379 61 232.8418 5285.8061 64068 0085 62 237.6760 5052.9643 58782.2024 68 242.0276 4815.2888 58729.2881 64 OAK. £004 4698.2107 48018.M88 66 248.4463 4327.6613 44340.6891 66 250.2212 4079.2150 40013 0278 67 251.2064 3828.9938 35933.8128 68 250.9074 3577.7874 32104.8190 60 249.5815 8826.8800 28627.0816 70 246.8816 8077.8486 25200.1516 71 242.8527 2830.5170 22122.8031 72 237 4809 1Q9Q9 9fi^l 78 230.7049 2350.1834 16704.6218 74 222.5244 2119.4785 14864.4884 76 218.0229 1886.0641 12284.9600 78 202.2829 1688.9812 10338.0058 77 190.3855 1481.6483 8654.0746 78 177.3448 1291.2628 7172.4263 79 163.6287 1118.9180 5881.1686 80 149.2814 960.2898 4767.2166 81 U4.4M9 801.0079 8816.9562 88 119.5629 666.5410 3015.9483 88 84 104.7905 546.9781 2349.4073 90.50450 442.18759 1802.42918 78 AMKRIGAN<€ANADiAN MORTAUTY INV£STiaATK>N AMERICAN M£N COMMUTATION TABLE 3V2% An M Mx tlx 85 76.85728 351.68309 1360.24159 dH lUUo.OOoOU 87 62.86908 210.74812 788.78209 88 41.98609 168.87704 522.988S7 89 32.87781 118.39136 804.60953 90 25.12442 83 . 51354 248.21818 91 18.65993 58.38912 164.70464 tt 13.64208 V 89.72919 106.31552 9S 9.4mil4 28.187111 00.688828 M 6.890996 18.788897 40.898817 95 4.194027 10.331702 23.670520 96 2.630376 6.137675 13.338818 97 1.614149 3.507299 7.201143 98 .8959197 1.8931502 3.6938443 99 .6129818 .997^ 1.8090941 160 .2787880 .4842087 .8084080 101 .1197138 .2054851 .8191949 102 .0578328 .0857713 .1137098 103 .8279385 .0279386 .0279385 74 AMfiCUCANXANADIAN MORTAUTY IUVfiSTIGATION 1900-1915 AMERICAN MEN AM"* VALUES OF a,. A, 3V2% Agb %r A« Abb m Am Age s A Am 15 23.20503 215.29 50 14.71323 502.45 85 3.806761 871.27 XO 99n 1Q OL K\A At 014.4X oD Q ^% AMERICAN MEN ai-PATMENT LIFE An 6m 10th lim 20iH Ymam Ymat Ymmm Tbab Ybab Ymmm 16 1167 827 84 166 78 8188 86 1227 16 188979 IM ni6 6244 16119 25826 88646 26 200 85 80 71 09 173 20 295 11 439 12 SO 216 40 69 8215 199 03 836 19 496 53 86 2 31 46 98 94 56 226 80 379 52 556 97 40 283 53 86 107 74 255 25 42315 618 36 46 384 6129 12182 28818 464 98 67846 60 660 68 26 18601 80817 602 60 78604 66 844 77 82 148 71 882 88 588 56 786 26 eo 12 89 87 80 162 84 352 33 556 45 830 78 66 19 65 99 80 178 50 370 40 570 99 867 93 70 29 70 115 32 197 51 389 45 579 41 897 75 10- YEAR ENDOWMENT AOB In Ymmm ySar Sm Ybab tOm Yeab 15 $72 68 $249 21 1439 42 $983 09 20 7134 247 78 488 08 988 09 26 69 64 24606 48667 98809 80 6740 244 29 48686 968 09 85 64 86 2^25 433 65 968 09 40 62 30 239 83 431 31 983 09 45 59 88 236 99 428 12 983 09 50 57 81 233 66 423 77 983 09 56 56 80 229 71 417 82 988 09 60 66 68 22608 • 40967 96809 66 6681 21947 89661 968 09 70 68 94 21886 384 16 983 09 15- year endowment 5th lini ^Sbd Ybab Ymm 15 $39 60 $146 08 $260 66 $582 44 $983 09 20 38 19 144 38 258 78 586 02 983 09 25 36 44 142 49 256 98 585 03 983 09 80 34 21 140 72 255 67 584 23 983 09 85 8175 18® 88 25416 682 78 96809 40 2989 18692 26226 68082 968 09 tf 2782 184 92 249 89 576 46 983 09 50 25 86 133 06 247 06 570 70 983 09 55 25 36 13158 243 84 562 39 983 09 60 26 36 130 99 240 51 550 82 983 09 66 29 58 132 07 287 85 535 60 983 09 70 8601 186 46 28777 617 60 988 09 AMERJCAN-CANADIAN MORTAUTY INVESTIGATIOI 1900-1915 ILLINOIS STANDARD MEAN RESERVES PER m .aan ^iy.or^ AMERICAN MEN 16 20 25 30 35 40 46 60 56 60 65 70 128 88 21 95 20 21 18 08 15 81 1876 1220 1152 12 23 14 99 20 58 8000 195 52 93 72 91 86 90 40 89U 8806 87 51 87 93 89 94 94 53 102 87 U686 $173 04 170 92 169 19 16886 167 78 167 22 167 10 167 79 170 02 174 94 18416 19947 $393 50 39144 890 58 890 42 390 00 389 06 387 58 385 69 383 87 888 26 88610 395 69 $659 87 668 74 66817 657 60 656 23 653 65 649 43 64811 68427 622 91 610 15 599 07 $968 09 988 09 983 09 983 09 983 09 983 09 988 09 988 09 983 09 983 09 983 09 86 87 AMERICAN-CANADIAN MORTALITY EXPERIENCE 1000-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT ENTRY, IS Issues Prior to 1900 in Force on Anmitxbba&t in 1800 $422,500 hmum wmm 1900 to 1614, Mcumm tS>110»000 Insubp AMCB 1 2 8 4 6 6 7 8 9 10 U 12 18 14 16 1« 17 18 19 20 21 22 24 27 28 81 82 84 65,500 34,500 26,500 16,000 12,000 10,500 5,000 12y6d0 10,500 18,000 6,500 4,000 12^500 <^ 8»M0 7,000 2,000 6,000 1,000 • • • 2,000 %000 17,000 3^ ^600 9,000 12,000 8,000 4,000 9,000 1^000 390,500 261,700 225,700 126,000 m«ioo 91,200 32,500 40,500 38,500 21,600 84,000 23,300 11,500 9,500 10,000 401,000 2^600 19,600 10,000 3,600 6^ 8,000 • • • 2,000 1,000 6,000 326,500 71,700 41,500 85,600 81,600 17,000 33,500 21,000 13,000 17,000 9,600 8,000 6,000 2,000 11,000 16,000 1,000 • • • 1,000 95,000 5,000 1,000 1,000 • • • 7,000 12,500 8,000 • • • 1,000 8,000 2,000 8,000 1,000 7,500 1,000 9, ijOOO 2,000 • • • 2^ Exposed to 2,110,000 1,451,500 1,140,100 896,400 787,900 577,500 482,300 428,300 875,300 826^800 288300 255,800 240,000 228,000 220.600 212,000 188,600 189,000 126,500 116,500 24,000 18,000 21,000 18,000 20,000 22,000 39,000 89,000 89,000 42,600 46,500 56,500 54,500 66,600 82,600 Batb of .00382 .00861 •00268 .oouo .00519 .00467 •00799 .00846 .02962 .00417 .00791 .11766 .04301 88 r . CANADIAN MORTAUTY EXPERIENCE 1000-1915 BASED ON AMOUNTS INSUBBD AMERICAN MEN A€B AT INimY, 15 Issues Prior to 1900 in forgs on A Imuss isoM 1900 TO 1914b $462,500 $2,110,000 80 AMERICAN . CAN ADIAN MORTAUTY . EXPERIENCE 1900- 1915 BASED ON AMOVNTS INSURED AMERICAN MEN Issues Prior to 1900 in Force on Annxversary in 1900 $951,900 Issues from 1900 to 1914, Inclusivb 9^lS7fiQ0 1 2 3 4 6 7 8 9 10 U 12 18 14 15 16 17 18 19 20 21 22 28 24 25 26 27 28 29 80 31 32 33 34 86 154,300 90,900 103,300 82,500 8^600 29,800 52,000 39,600 26^600 82,000 29,600 21,000 21,500 13^000 12,000 U,000 4,000 2,500 3,000 liOOO • • • 6,000 3,000 2,000 9,000 12,600 10^ 2,000 5,000 5,100 15,000 13,000 4»000 975,600 739,500 552,000 420,000 ma;m 278,200 165,100 128,700 138,000 134,800 186,000 108,400 60,900 34,500 41,600 108,800 69,900 66,800 47,500 8,000 8,000 2,000 8,000 8,100 1,000 7,500 6,000 1,600 • • • 1,000 1,094,400 243,900 111,000 106,000 96,000 71,000 48,500 63,000 64,000 84,800 8M00 18,600 27,000 21,500 42,000 9,000 4^000 6,000 9,000 227,200 3,000 5,000 • • • • • • 1,000 10,500 17,500 12,000 11,000 IfOOO 7,000 6,000 8,000 6,000 ItOOO 1,000 2 000 3^000 2,000 • • • 1,000 2.000 5,000 1,000 1,000 1,000 kioo Risk 6,187,000 4,260,800 3,350,800 2,779,100 2J24,OT0 1,918,400 1,600,700 1,410,700 1,263,000 umjm 960,800 835,100 735,700 665,800 629,800 668300 468,000 404,100 344,300 286^ 49,100 41400 40,100 37,100 34,000 33,000 22,600 26,600 39,000 49,000 51,000 53,500 58,600 71300 84,600 Rjmior TALITT .00170 .00411 .00358 .00396 .00366 .00375 .00567 .00475 .00091 .OOlOIS .00239 .00408 .00300 .00218 .00495 .01452 .00351 .02087 Mm 90 AMERICAN . CANADIAN MORTAUTY fiXPfiJUfiNCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGB AT ENTRY, 16 Issues Prior to 1900 in Fobcb w AnnnMiin v 1800 aso/si onn '^'■""'^ :;;;;;;;;;;;;;;.;;.;.$6SS AMKM 1 1 Emtsbbd Exnrivo WlXBIMLiWir Exposed to Bhk 36 14,500 3,000 1 • • • 88,600 61 3,000 MOO 98,000 QQ 00 • • • i,ooo 100,000 W 8^000 5,000 101,000 1 • • • 3,000 1 • • • 41 3,000 1,000 AO 4,000 9,000 91,000 4o 12^600 10,000 86,000 AA 1 • • • 10,000 3,000 65,500 AK W 1 • • • 2,000 6^,600 46 4,000 8,000 «^ 47 1 • • • 2,000 42,800 AO 1 • • • 10,000 40,500 49 1 • • • 8,000 30,500 m 1 • • • 27,500 a 1 ... 13,500 26,500 (» • . • 2,000 18,000 53 * * * 11,000 64 • • • 8,000 8.000 11,000 5S • • • • • • 6^000 66 • • . ... • • • 1,000 . S7 ... • • • • • • 1,000 68 * . • • • • 1,000 69 • • • • • • • • • < 1,000 60 • • • • • • 1,000 Toteb 961.M6 4,666,500 2,340,300 182,100 3a.868,900 Batbot Mam- *4urr .01000 .04960 .02198 .11628 .04580 .03810 .27273 .80000 1.00000 91 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT BNTRY, 17 IsstTES Pbiob to 1900 IN Force on AtaammAxx ut 1900 $1JS0S 400 Ibbobs raoM 1800 TO 1014, Ihcmwvb tll^itjliB Tbab 1 DlAO Exposed to Rats or Mob- 1 235,000 1,401,200 2,771,300 31,000 11,946,100 .00259 2 ± 1 V,OV/v/ 1 1*71 TAA 1,1 ll, 008j» 4 12ft ftftft 1 iy,ouu 1 4fV AAA 17,000 S^B^MOO ISII9 71111 iMliB^IIIII OMS AAA 1 4lf iPAA A ^htfkflV ^ ^ A. 438M00 .00858 « A|» AAA ^.000 156,700 6,000 8,633,700 .00165 7 79,500 •\ AO A A A 1 ^ A /\/\f\ 14,000 8,086,000 .00454 53,000 ZDo,oUU 1 1 AAA 12,000 2,712,900 .00442 9 65,500 OCQ AAA ZOo, UUU 91,100 15,000 2,878400 •00882 10 80^ 0*71 AAA 1 A AAA .00087 11 44300 829,400 8,000 1,709,600 .00175 12 48,000 178,700 20,300 7,000 1,364,500 .00513 18 35*000 143,500 27,600 10,000 1,201,500 .00832 14 27,500 106,100 19,000 2,000 1,055,400 .00190 15 18,000 66,000 4^^|000 1 O AAA flkOOO 955^800 •00887 16 18,000 124,000 17,000 1,000 fine OAA .00117 17 82,500 n,ooo [ AAA 10,000 731,800 .01366 IS 8,000 92,800 10,000 9,000 620,800 .01450 19 18,000 62,000 8,000 1 /» /\/\/\ 6,000 517,500 .01159 20 19,000 274,000 8,000 459,500 U)0868 21 4,000 26,500 9,000 8»000 186^ •OitOS 22 • • • 21,000 ^000 1,000 127,000 •00787 28 1^500 2,600 • • • 108,000 21 um 28,500 • • • 90,000 2B 80,000 • • • • • • 66,500 26 9,000 5,000 5,000 • • • 94,500 27 20,500 5,000 5,000 1 • • • 98,500 28 3,000 5,500 • • • 104,000 29 7,000 2,000 • • • 100,500 89 9,000 1,000 • • • * • • 104,500 31 25,100 10,000 • • • 112,500 32 11,000 5,000 • • • 1 • • • 126,600 33 3,000 1,000 • • • 1 • • • 182,600 34 9,000 15,000 • • • 184,800 85 11,500 1,000 • • • 126,600 18 AMERIGAN- CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT ENTRY, 17 iMrai Pm« TO 1900 IN Force on ANNiVBsaABY in 1900 $1^08 400 IWCTES from 1900 TO 1914, Inclusivb \ \ \ !$11,9m]i00 Rate of Mob- 88 87 38 39 40 5,000 8,000 13,500 1,000 7,200 4,000 • • • 2,000 2M0O • • • 1,000 • • • • • • • • • 2,000 5,000 1 • • • 1 • • • 136,100 135,100 182,100 i4M0O 144,800 .01470 .08701 .02766 41 42 48 44 45 4,200 8,000 • • . • • • • • • 9,000 18,500 2,000 5,000 8b000 • • • • • • 1,000 21,000 1 . • • 1,000 1 • • • 3,000 IMNM 122,800 118,000 101,500 98,500 80,600 .00847 •08016 •08815 46 47 49 50 MOO 1,000 • • • . • • 5,200 19A00 8,000 A AAA 8,000 9,000 2,500 6,000 ... • . • • • • • • • 3,000 9,000 2,200 1 • • • 1 • • • 77,500 56,500 45,500 40,300 81,800 .03871 .15929 .0483& 51 52 53 84 SB • • • • • • lioo • • • MOO • • • 7,200 1,000 1,000 8,600 1,000 1 6m 84,000 32,000 21,500 21,500 2^00 .02941 .26563; .04651 .2727S 56 57 58 59 80 • • • • • • • • • • • • • • • 1,000 • • • • • • • • • ... %eoo 1,100 4,700 9,800 8,800 5,800 5,800 4,700 \ .18966 LOOOOO Totab 1,503,480 7,941,800 5,231,700 276,880 42,429,388 98 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900 1016 BASED ON AMOUNTS INSURED AMERICAN MEN A&tja unmT, it Issues Prior to 1900 in Force on Aiasanuuax W ¥M $$.944,700 lasuzs raoii 1900 TO 1014, Imcumhts Iksubt 1 2 3 4 6 6 7 8 9 10 11 12 13 14 U 10 17 18 19 20 21 28 24 25 26 27 28 30 31 32 88 84 35 788,300 658,300 458,300 278,400 88^800 288,800 166,200 161,000 98,500 UifiJOO 118,500 57,500 62,000 31,000 ^iOOO 28,800 21,000 30,000 17,500 wm 6,000 8,200 16,200 7,000 17,500 21,000 ll,fSOO 24,000 15,600 28,100 16,000 22,000 82,100 15,300 2,601,500 2,026,700 1,640,700 1,285,700 1,138,600 851,500 566,000 496,500 491,600 486^000 533,100 364,100 306,100 247,500 mwo 482,000 354,000 259,000 180,900 49,100 67,800 44,600 62,000 16,500 IMOO 88^000 18,600 6,000 5,000 4,000 6,000 2,000 8,600 6,000 14,000 Withdrawn 6,260,400 1,124,300 664»600 601,800 487,100 325,600 272,600 242,700 174^ 171^ 116,300 119,500 59,800 72,500 112^600 ff7,500 39,000 34,500 21,000 664,800 16,600 8,000 • • • 4,000 6^ 1,000 1,000 • • • 1,000 4,000 71,500 68,600 46^600 87,000 29,000 46,000 30,500 14,500 17,600 11,000 22,000 22,000 17,000 8,000 21,000 14,000 2,000 7,000 8^600 8,000 2,000 8,000 1,000 2,500 1,200 1,000 6^000 • • • 3,000 3,000 23,284,100 16489,000 12;CB8^ 10,700,400 9,055,800 7,707,700 6,718,400 6,016,600 6,422,800 4.888.000 4,269,000 3,713,100 3,265,000 2,944,100 2,647400 2,366,800 1,879,800 1,493,800 1,228,300 Ij066b900 880,500 253,000 209,500 165,700 161^ 148,900 1X9,400 134,900 137,900 166^700 166^ 184,400 198,400 206,900 230,000 Ratbof MOB- .00307 .00868 .00661 .00846 .00320 .00597 .00454 .OOMl .00227 .00515 .00592 .00521 .00272 .00640 .00887 .00745 .00134 .00570 .00791 .01860 .00778 .01853 .00870 .00642 .02711 .01450 .01804 AMERICAN. CANADIAN MORTALITY EXPERIENCE 1900-1916 BASED ON AMOUNTS INSUKED AMERICAN MEN AG£ AT BNTft Y, 18 Lmm PMor to IM, w Force on Annivebsabt or IMO $3 944 TOO iMinB FROM 1900 TO 1914, Inclusive [ ' [ "tgnWlflC ANCX 1 Umad Rate or TAunr M 87 38 39 40 41 42 48 44 46 46 47 48 49 50 1 61 52 68 64 66 66 67 68 68 80 61 Totala 12,000 4,000 8,500 8,000 1,000 UJfOO 17,000 1,000 1,000 :^ooo ... ... 1 . * • 5,000 6,000 6,000 7,000 8,000 6^ 13,000 17,000 7,500 15,000 MOO 12,900 10,000 17 AAA 6^000 11,000 8^000 6,600 6,000 1,000 14,500 1,000 ... ... 2,500 4,500 • • • 1,000 8,000 3,000 ... 6,000 ... ... ... ... ... ... ... 1 ... 1 8,000 ... 1 ... 1 ... 1 ... 1 ... 1 ... 1 ... 1 ... 1 ... 1 2,000 6,000 3,000 4,200 8,000 2,000 9,400 1,000 7,000 16^600 1,000 6,000 ... ... 6,000 . • • 3.000 • • • 8U)00 • • • 2.000 • • • ... ... ... T . .00892 .02628 .01890 .01960 .04304 .01041 .04958 .0066& .04174 .10684 .00940 .0648^ .08403 .07792 4260» .36364: 8^944^788 16,888,488 88il^9i8 181,988,388 95 AMERICAN * CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT fiNTRTt It iww Pbior to 1900 IN Force on AHiavraaAiix nr im §mmkmm^ Issues from 1900 to1914, iNCLuami ......^ll!!]!]wWMtO 1,151,800 972,200 607,900 482,200 i07|2M 290,600 250,000 193,100 16M00 lOMOO 76,600 110,500 63,500 85,500 54,000 4^600 15,000 10,500 5,000 14,000 2M00 21,000 12,500 20,000 36,500 42,000 2M0O 28,500 32,000 40,500 42,700 3,416,200 2,780,100 2,126,900 1,665,300 978,700 769,100 665,500 640,900 788^ 778,600 646,500 895,600 328,200 266,800 672,800 684,700 89^000 287,200 131,500 115,500 97,500 62,600 44,000 87,500 38,500 19,000 20,500 21,000 14800 8,500 8,500 5,000 7,000 7,000 Withdrawn 9,088,100 1,583,400 1,037,600 784,000 688^ 460,300 421,700 299,800 260,500 26M0O 141,000 85,600 96,300 92,000 127,700 88,000 71,000 34,500 45,500 1*064,300 14,000 11,600 2,000 8,000 8,000 8,000 2,000 2,000 DSAD 8,000 2,000 1,000 500 41^ 89,600 45,500 49,500 15,500 27,000 28,000 12.000 18,600 27,000 6.000 11,000 ao,60o 24,000 DSAD 227,000 154,600 147,000 119,000 186,800 120,900 80,700 104,000 78,500 100,000 117,700 75,000 74,500 89,000 00,600 02,000 47,000 70,000 34,000 41,500 27,600 17,000 19,000 19,500 85,500 14,000 80,700 45,000 82,000 80,000 88,000 24,500 17,000 42,000 32,000 69,373,900 43,701,700 87,762,800 88^,800 29,771,700 27,245,800 25,205,000 23,656,100 22481»100 2M12,700 19,722,800 18,438,000 17,375,800 16,328,900 14,600,300 12,362,100 10,467,000 8,893,900 7,67^,500 9,627,700 2,992,800 2,686,800 2,403,200 2,064,800 MP87400 1,990,600 1,943,100 1,916,500 1,935,000 1,986^ 2,024300 2,194,100 2,251,600 Rate of MOB- .00327 .00354 .0068^ .0006a .00454 .00444 .00320 .00440 .00027 .00M7 .00597 .00407 .00429 .00546 .0042& .00380 .00669 .00382 .00780 .0056S .00707 .00811 .0168& .00080 .OUtf .02261 .01647 .0166& .01964 Mm .01914 .01421 108 AMERICAN ■ CANADIAN MORTAUTY tXPERIENCE 1900-1915 BAS£D ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 22 Issues Pbiob to 1900 m Fom. ok AmnraMin » IMO $23 974 500 imam mtm UM to m*. Jmaumwm ?!w,a74,500 $6«,878,900 Inbu] Yma El- B Entbbbo K WioMMni Exposed to Risk Rate or 86 87 88 88 40 114,200 100,400 64iMN> UJSOO 64,000 97,600 09,200 76,000 92,200 119,000 29,000 86.000 11,000 37,000 17,000 66,800 24,000 55,000 43,500 58^000 2,243,100 2,174,400 2,146,600 2,059,100 l«980,9eO .02510 .01104 .02562 a02118 .02746 41 42 48 44 46 68,500 58,400 21,500 67,800 16,700 17,500 10,500 4,800 16;200 4000 151,000 124,500 100,000 106,900 9^500 100,000 141,000 120,200 96^ 06^700 24,000 17,800 88,600 19,000 874W) 60,000 58,000 43,900 5V00 70,500 4^000 27,200 41,000 32,500 1,795,900 1,636,900 1,493,600 1,323,000 iU22^,000 1,086,600 923,000 747,500 589,900 45(000 .02088 .03665 .03883 .03318 46 47 48 49 60 8,000 10.600 16,000 2,500 .04281 .06489 .04875 .03639 .06950 .07221 61 52 53 04 55 9,000 7,700 4,500 i.oo6 69,700 52,500 13,000 20,000 12^600 • . • • . • • • • urn 6,000 28,000 18,000 14,600 18,000 13,700 868,400 274,700 211 900 188,900 154^900 .07928 .06558 aV/UOflO .06882 U>8844 HA oo 67 68 69 60 • • • • . • • • • • • • • . « 13,000 6,000 ! 6,500 ... 3,000 6^000 • • • • • • • • . 12,700 13,000 9,200 8,800 9,000 124,700 9^000 72,000 56,300 32,^ .10184 .18642 .12778 .15631 J27692 61 08 68 64 66 • • • 1 • • • 1 • . . 1 • • . 1 • . • 1 2,000 1,000 2,800 7,700 L600 * . . • . • • • a ... * • . 3,000 8,000 • ♦ . . a • a a a 23,500 18^ 14,600 11,700 4,000 .12766 .10210 66 67 « * • 1 ... 1 aioo ... . • • a a a a a a 2,500 %600 Totals 23,974^500 48,19M00 41,956,300 8k801*M6 •32,746,100 108 AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURSD AMERICAN MEN ACT AT B«TRT, 3S Ibbuxb Fbiob to 1900 in Fomb oh Amin—iii nr IMO |SMW,400 UOO «o hnumnu .fn.mjM Insur- ance 1 2 8 4 5 6 7 8 9 10 11 12 13 14 16 18 17 18 19 20 2L 22 23 24 25 27 28 29 80 81 84 85 Entered 4,343,000 3,755,800 %888,400 2,008,900 1,932,300 1,678,800 1,370,800 1,320,000 1,071,800 828,400 814,200 607,900 644,200 448,000 447^ 408,500 352,900 352,500 355,200 166^000 191,700 118,600 119,200 176,100 218!500 860,800 286,000 803,900 324,000 848,000 292,600 844,600 261,800 272,900 143,200 Existing 6,990,900 5,260,000 4,789400 8,606,100 3,140,400 2,447,900 1,775,000 1,583,700 1,787,100 1,638,800 1,468,300 1,165,900 1,148,500 867,800 788,900 • 2,525,100 2,356,000 1,856,900 1,322,900 786,200 682,800 478,300 469,000 374,600 811,700 269,000 286,4m) 281,600 184,500 224,000 170,500 169^ 178,600 138,700 110,500 Withdrawn 23,255,500 4488,900 2472,200 1,788,800 1,487,400 1,161,700 933,700 879,800 678,000 809,800 452,300 354,700 369,000 317,000 681,000 281,800 171,500 178,500 221,500 4^78^800 88,200 76,000 85,500 23,000 6M00 26,600 19,600 80,000 23,000 21,000 46,500 19,000 68,000 34,000 10,000 247,300 198,200 196,800 148,600 143,800 135,300 158,700 184,000 128,000 87,000 112,500 113,800 94,000 99f080 70,500 112,000 73,000 64,500 7%000 48,000 37,500 51,500 13,000 17,000 89,000 47,000 42,000 50,000 79,000 81,500 46,000 60,600 68,800 113,200 TO 78,777,200 47,62M00 41,766,200 87,163,000 33,731,700 30,892,400 28,826,300 27,829,700 28,062,200 24,682,900 22,914,400 21,721,000 20,695,800 19,708,700 18377,900 17,881,000 15,410,100 13,123,500 11,367,600 104UMW0 4,985,900 4,333,800 3,860,500 3,373,700 8489,200 2,978,000 8,000,800 2,982,400 2,982,800 8,049,300 8,078,800 8,117,400 8,227,500 3,202,100 8,243,500 Rate of MoR- TALITY 86 .00418 .00468 .00386 .00426 .00438 .00551 .00490 .00491 .00861 .00380 .00518 .00550 .00477 .00624 .00394 .00727 .00556 .00567 UW781 .00972 .00865 .01334 .00385 .00642 .01812 .01687 .01408 .01676 Mm Mm .01565 .01836 .08^ AMERICAN- CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT ENTRY, 2i to 1900 nr Fobcb ok AmnvisaABT in 1900 $30,379,400 1900 to 1914, Inclusive (73,777 JiOO 87 88 39 40 41 42 48 44 46 28^800 186,700 124,600 46,000 6^700 68,600 82,100 84,000 45,400 23,000 129,200 72,000 78,200 120,100 118,000 199,600 169,000 204,300 192,500 200,500 22,500 31,000 33,500 38,500 88»200 41,000 82,000 15,200 27,000 6,000 Dbab 92,500 90,700 80,000 102,100 98,000 82,000 90,100 81,000 65,600 66,700 69,600 89,100 65,700 64,400 45,700 27,600 28,600 29,700 8,200 25,000 Exposed to 3,153,000 3,133,600 3,105,600 8,038,600 9328300 2,648,300 2,379,300 2,130,300 1,863,800 i^m 1,373,900 1,157,300 891,700 763,600 668400 487,900 896,000 299,600 216,300 18^,100 120,600 94,800 62,500 48,500 29,500 23,500 19300 11,000 3,000 2,000 1,000 626^84^ Rate<« Mob- .02934 .02894 .02576 .08360 .03096 .03787 .03802 .03520 .04107 .04331 .07699 .07368 .08434 .08044 .06877 .06692 .09913 .03791 .18291 .14876 .08000 .21649 .03890 .26641 .86864 .33333 .50000 i III 104 105 AMERK^AN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT £NTJIY. M fr**— «> 1*00 m FoBCE ON AmavEBSABX in lOOO $37,687,800 "■DM MWM 1900 TO 1914, iNCLUsmi tTtjjHLMO 1 2 8 4 6 7 8 9 10 11 12 IS M 16 16 17 18 IS 20 21 22 28 24 » 27 28 29 M ai 33 84 85 5,000,800 4,149,300 3,125,400 2,513,500 2,mjm 1,728400 1,623,000 1,332,900 U84^00 879,500 789,800 602,500 789,700 607,000 611,600 475,200 514400 296^000 266,100 165,200 192,900 258^ SOMOO 407,700 608,100 364,800 375,300 MiOOO 480,000 441,200 368,900 442,200 25«L400 7,350,800 5,477,100 4,808,200 3,564,400 3429400 2,592,800 1,807,900 1,667,000 1,677,500 1,649^ 1,609,200 1^700 1,184,800 993,700 956,400 • 3,086,000 2,489,900 imioo 1,020,500 1405,900 862,200 653,900 602,800 614400 417,000 808,200 276,800 247,000 293,500 800,000 242,000 225,000 266,100 196,000 SOOJiOO 23,913,000 4,328,600 2,561,700 1,926,700 1,5IM00 1,289,400 1,078,500 747,800 767,200 1,12^700 661,800 478,900 889,900 294,500 296,800 284^ 240,000 206,600 5,652,200 133,000 104,000 49,000 71,000 67,000 59,500 42,500 44,700 40,000 89,600 31,500 39,000 22,000 80,500 6L600 193,100 173,400 177,000 195,500 128»000 136,000 147,000 128,000 127,600 112jOOO lOMOO 148,500 87,300 98,000 180,000 109p200 100,700 119,500 105,700 103,500 47,000 86J00 61,000 27,500 47,700 54,500 54,500 74^ 80,000 91,000 98,500 74,500 95,500 101,000 100,600 SXPOSEOIO 76,411,200 49,954,600 44,124,800 89,708^ 88,680,200 34,144,200 32,269,500 30,904,500 29,985,300 28^7454m 27,042,500 25,657,000 24,397,700 23,398,200 2^801,700 S1,78(U00 18,900,200 16,500,200 14,681,700 ld48M00 6,624,800 6^700 6,219,600 4,710,100 4,854,900 4,126,700 4412,200 4,216,600 4,245,000 4,207,400 4,152,900 4,210,900 4i818jW0 44M^ 4,418,000 m AMERICAN. CANADIAN MORTALITY EXPERIENCE BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT £NTilYt M 9mom to lOOO m Pobcb on Annivxbsabt in lOOO ^„n-^„„„, 1800 TO 1914, Inclusive ' SI'!!!'!? 999,411460 Insci ANd Y>u K Dead Exposed fo Rate of MOB- 86 87 SS 89 40 225,700 268,000 144,800 72,100 ao,9oo 174,500 112,700 133,900 128,300 17^,500 20,500 29,000 52,600 23,200 4«,700 164,000 94,500 114,500 166^ 188,700 4,298,500 4,165,200 4,182,000 4,026,800 3,781,200 TAUTT .03816 .02269 .02738 .04104 .04858 41 42 48 U 92,000 67,600 90,600 28,800 46,800 241,700 819,100 173,800 212,400 219,500 28,600 86,500 19,500 25,500 l&OOO 111,700 116,300 90,700 102,600 166,700 3,493,200 3,203,300 2,789,000 2^696^900 2,283,900 .03198 .03681 .09268 .08968 .07299 46 47 48 4» 68 39,700 35,300 81,500 28,200 18,000 236,000 218400 118,800 191,300 100,500 27,600 7.000 28,000 10,600 6^ 107,200 75,600 148,000 55,600 1,926,500 1,595,500 1,330,100 1,067,800 888^000 .05564 .04738 .11127 .06209 .08890 61 62 68 64 66 14,100 14,600 4»000 * • • • • • 92,100 92,100 60400 15,500 40,800 ^000 • • • • • • • • • M fiAA oO,oUU 54,600 52,600 31.800 48,200 712,900 592,600 444,500 o40,oUU .05092 .09214 .11834 .09190 49147 66 67 68 69 60 • • • • • • • • • • • • • • • 32,700 15,100 16,000 6400 4,000 6,000 8,000 1,000 • • • • • • 48,800 27,600 5,500 4,500 14,000 209,500 - 128,500 82,800 60,300 .20668 .21479 .06643 .07463 .27618 <1 62 63 64 65 66 • • « • • • • • • • • • • • * • • • • • • 6,000 2,000 4,600 • • • • • • • • • SiMO • • • • • • • • • 6,000 2,600 8,000 3,000 1,500 2,000 82,700 26,700 19,100 11,100 3,500 . 2,000 L .18349 .09738 15707 27027 42857 00000 87,697,800 58,977,500 4M98.966 ^712^490 734,883^ lor AMERICAN- CANADIAN MORTALITY EXPERIENCE BASEB ON AMOUNTS INSURED AMERICAN MEN AG£ AT fiNTRY^ 2i Issues Prior to 1900 in Force on Anniybbsaby in 1900 $46,833,300 Issues from 1900 to 1914, Inclusiys f79t97 iJ MIft 1 2 8 4 S 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 26 27 81 82 88 84 5,520,800 4,912,000 4,005,500 2,994,600 2.8I&6M 2,401,800 1,921,300 1,975,000 1,544,200 l,8d4»300 1^,700 1,070,300 1,050,000 1,095,100 819^ 688»200 696^ 692,300 649,500 461^ 408,500 807,000 888^00 463,300 727,900 534,100 608,500 58^700 688^600 578,100 537,800 550,200 461,600 7,765,100 5,786,000 4,842,000 3,992,000 8,2?MW 2,815,800 2,123,800 1,570,800 1,974,300 1,821,000 1,689,200 1,566,200 1,316,900 1,128,100 1,059^ 8,241,000 8,094,000 2,664,600 2,051,700 1,290,000 942,800 668,200 748,600 674,300 668,000 451,100 454,500 485,500 641,600 410,600 277,700 373,000 368,000 848,500 866,600 23,474,800 4,594,400 3,058,400 2,150,000 l,74Mm 1,455,000 1,142,000 847,500 779,500 1 QQAj nA 648,000 640,800 416,600 357,500 81^^800 882,700 805,200 812,500 353,300 6,409,200 140,700 10^800 100,000 60,000 83,000 69,500 49,000 89,600 48,000 87,500 69,000 58,500 81,600 81,000 51,000 108 191,200 150,000 145,000 154,600 189,600 136,000 184,900 140,800 205,200 195,400 181,000 114,000 140,100 181,400 181,600 120,000 95,500 140,000 124,500 66,000 684100 56,500 58,500 65,500 32,000 76,200 82,000 92,000 182,500 94,500 206,300 152,000 184,000 188,200 79,972,000 54,061,700 48,448,800 44,408,400 41,101,500 88,737,700 36,732,700 35,203,300 84,619,200 8^^iSXMij(400 31,410,000 30,107,100 28,789,400 27,991,900 27|4<1,800 26,277,600 23,110,500 20,287,800 17,907,500 7,918,500 7,379.200 6,797,100 6,492,600 6,239,400 6414,700 6,869,100 6,420,600 6,332,700 6,350,800 6,487,700 6,887,700 6,386,800 6,339,400 Rate or Moa- .00239 .00277 .00299 .00461 .00351 .00503 .00400 .00698 .00622 .00601 .00396 .00501 .00478 .00601 .00519 .00471 .00782 .00778 .00647 .00866 .00766 .00861 .01009 .00518 .01188 .01287 .01438 .02092 .01488 .08180 .02098 .02101 Insur- ance Ykab 87 38 39 40 41 42 48 44 45 46 47 48 49 50 51 52 58 64 56 57 58 59 81 62 68 64 66 67 68 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 25 TO 1900 IN Force on Anniversary in 1900 $46,833 300 1900 TO 1914, Inclusive $79*ft7g*000 281,700 264,500 133,000 110,000 126,700 118,800 64,500 47,000 82,000 81,500 47,600 28,000 19,600 29,500 19,000 32,000 29,500 12,600 17,600 11,000 1,000 Totals 46,833,300 246,500 194,000 202,500 238,200 257,700 410,600 294,100 363,000 303,100 297,500 298,500 200,400 237,100 180,100 184,500 102,100 85,500 22,500 41,000 25,200 27,000 18,000 6,000 ^000 7,000 ... ... 5,000 2,500 3,000 66,831,800 62,500 39,500 79,000 60,500 45,800 89,000 36,500 26,500 25,000 88^ 18,000 18,500 4,000 10,500 16,000 2,500 2,000 5,500 10,000 1,000 2,000 1,( Mad 52,624,200 114,000 215,600 180,100 188,500 260,000 236,500 245,300 187,500 167,700 16M00 110,000 142,000 104,500 112,100 101,000 61,500 52,000 45,500 51,500 42,500 26,000 26,500 20,500 11,100 16,000 3,500 5,500 4,000 8,500 1,500 8,000 7,349,300 SaiffOSED TO 6,191,700 6,050,400 5,855,800 5,527,200 5455,000 4,728,200 4,160,400 3,649,000 8,119,000 2,706,200 2,239,000 1,870,100 1,532,200 1,206,100 982,900 650,400 516,300 406,300 345,300 264,800 203,600 150,600 111,100 84,600 64,500 46,500 86,000 30,500 26,500 17,000 15,000 18,500 5,500 3,000 854,708,399 Rate of Mob- .01841 .03568 .08076 .08820 .04850 .05002 .05896 .05188 .05877 .06159 .04913 .07593 .06820 .09294 .10826 .09456 .10072 .11199 .14915 a6827 .12770 .17596 .18452 .13121 .24806 .07S7 .15278 .13115 .32075 .10000 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1916 BASED ON AMOUNTS INSURED AMERICAN MEN AiG& AT INTRY, M Issues Prior to 1900 in Force on AmavMismAXl m 1900 $49,244,j20Q Issues from 1900 to 1914, Inclumvb fgftJffMOt AMOB ■■' Rate of MOB- 1 5,946,000 7,307,800 23,260,300 248,700 80,753,400 .00308 o R Q1 Q (*f\(\ UfiJlUfK>\)\) 4,00^,oUU 229,900 55,882,600 .00411 a o *x , J. civJ , ^ V V/ 150,000 50,587,800 •00297 4 2 957 700 9 1 QAA 220,000 48,649,800 •00478 & O QOQ gAA 1 SkA£IAQtl£k 1 filA 1AA x,olll,lllU 288,200 48,231,500 •WOOB e 2,768^ 3,119,300 1,480,100 183,700 41,004,000 .00448 7 1 229fifln0 ^,UV/«/,V\/v/ 1 A09 AAA 1 our f7A/\ 125,700 38,979,100 .00322 g 2 275 400 1 719 ^ftO 1 AAQ 9AA 1 Oyl AAA 38,048,200 .00484 9 1 652 400 1 001 ^(\(\ Qf^Q 9AA 1 00 ETAA loo, 500 37,359,100 .00606 10 .aUf 1 1 Q£)SL l 1 AA lo4,100 30,317,800 .00607 15 787 500 721.800 1 QQ CAA 1 29^686»100 .00688 665,000 3,672,700 490400 189,500 .00606 17 748.800 8.4llfilMin IQI KAA lol,0U0 24,691,200 .00588 18 flZl.fiOO 11117 QfU\ 1 1 Q AAA 21,648,800 .00545 19 585 100 1 971) QOO Qcq lAA QA AAA 1 1 A 1 CTA C%/\/\ 19,150,200 .00491 20 438 600 1 434 200 a 5iQ^ Aftft \I,09«),4UV 1 OQ AAA 1 rr oero o/v/\ 17,25^800 •01148 21 384,400 1,168,600 216,500 85,500 9468,800 .00968 292,200 1 779,100 181,000 70,000 8,077400 .00867 ^ 301,500 841,600 81,800 86,500 1 7,339,200 .00892 4i^eoo 077,700 72,400 84,000 6,651,800 .01263 -26 525^ 542,600 90,000 89,100 1 6,264,300 .01422 ^ 552,000 468,100 66,000 83,500 6,067,800 .01376 648,000 424,300 29,000 75,500 8^002,200 .01868 28 597,000 431,000 62,000 101,600 842M00 .01868 29 510,200 429,100 88,600 68,700 6,128,900 .01122 526^400 849,000 48,500 106,000 6,072,800 .01745 81 557,400 309,000 52,000 102,200 6,094,700 .01677 32 514,600 356,100 42,500 158,000 6,188,900 .02558 33 520,200 332,500 20,000 137,000 6448,900 •02889 34 588,000 289,100 29,000 127,600 6,177,800 .02064 » 302,400 807400 48,600 181,800 8320,000 .02873 UO AMERICAN - CANADIAN MORTAUTY EXPERIENCE 19004915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT ffimtY, J6 Issues Prior to 1900 in Force on AMMivwMiABT nr 1600 ..... . iiO «44 aiwi Issues from 1900 to 1914, Incuw .'.'SJS^ 384,200 255,100 174,100 114,000 168,600 139,600 47,700 46,000 46,000 63,900 88,600 24,600 14,500 50,000 38,400 22,500 19,000 24,000 . • • 3,000 49,244,200 KjuniiiG 276,700 194,200 194,000 268,600 806,700 364,500 408,500 342,000 302,200 261,900 272,400 254,500 209,500 237,400 126,200 68,800 37,000 29,000 46,500 26,200 9,600 ... 6,000 7,500 4,500 2,000 2,600 2,500 Withdrawn 68,748,766 47,700 40,500 82,400 62,000 86,000 40,900 46,000 22,000 15,000 18,500 24,600 28,000 8,000 17,500 7,000 11,500 7,000 8,200 7,000 1,000 7,600 5,000 6M36,366 Dbao £XP0SEU> TO Ratbov MoH- TAUTz 201,500 6,090,200 .03309 161,500 5,948,500 .02715 191,800 5,807,400 .03303 190,500 5,563,300 .03424 265 100 fl 1 £t.il OAA 0,1DO,OUU .05131 220,500 4,722,000 .04670 188,300 4,285,700 .04446 171,500 3,640,600 .04711 191,400 8,151,100 .06074 199 500 9 Afifi f^AA .07420 121,500 2,277,500 .05335 129,100 1,892,500 .06822 84,500 1,505,400 .05618 105,000 1,217,900 .08621 9^,600 908,000 .10958 66,400 744,100 .08924 52,900 563,500 .09388 50,000 463,800 .10781 69,500 892,600 .17702 89^ 287,100 .18684 86,000 , 203,600 .17682 11,000 133,900 .08215 22,000 113,400 .19400 10,500 91,400 .11488 lajm 6%S00 .14806 18,900 52,400 .26527 10,000 34,000 .29412 3,500 22,000 .15909 11,500 18,500 .62162 • • • 4,500 2,000 8.013,IOt 898,616,700 111 C4N -CAIiiy:^ MOaTAUPCY £XJP£IU£NC£ 1900-1915 BA8SJ> ON AMOUNTS INSUBSD AMERICAN M£N AGE AT ENTRY, 27 ^TOltt^mFkwcioif Awm t iMMM MMrniliOO. 1900 TO 1914, iNCLUsnrx $82,144,800 ANCE Ybab 1 2 3 4 6 6 7 8 9 10 11 12 18 14 15 16 17 18 19 :20 ^1 22 23 24 25 26 27 28 29 31 32 33 34 85 e,488,700 6,575,000 4,371,000 3,330,700 2^00,200 2^,800 2,158,200 1,954,800 1,519,700 1,446,300 1^,500 1,411,900 1,121,000 1,004,500 763,500 731,100 74M00 779,000 458,500 498,000 322,300 314,000 488»800 6814»0 658,000 808,700 669,000 561,300 669^ 560,800 591,600 649,600 623,600 891,600 7424,600 6,102,700 5,061,200 4,151,300 3,549^ 2,987,500 2,2^000 1,626,100 1,962,100 1,926,500 1,955,100 1,578^500 1,473,800 1,359,500 1,241,000 3,953,900 3,599,200 232M00 2^5,200 1,507,600 1,233,500 914,300 887,000 769,400 597,700 580,800 572,000 618,600 492,500 428^ 358,500 385,000 376,000 481,000 2I2»000 28,697,500 4,643,900 2,774,200 2,049,700 1,951^ 1,460,400 1,178,700 1,054,100 814,900 1,642,700 705,800 628^600 444,600 407,000 873,300 408,600 316,900 842,900 828;M0 7,182,800 208,200 92,500 104,500 61,000 85,500 48,500 89,000 72,000 67,000 68^500 62,500 76,500 52,500 93,200 62,500 m 249,900 205,500 162,000 177,000 169,400 175,000 225,500 218,500 177,800 232,000 201,500 195^000 142300 167,800 261,600 214,700 195,000 195,000 188,000 167,000 96,000 89,500 127,000 60,000 114,000 84,500 99,400 137,400 170,000 180,500 152,000 139,000 189,500 275,800 201,700 £xpoaEo TO 82,144,800 57,661,600 52,184,400 48,558,000 45^0,700 48,081,200 41,256,500 40,028,100 39,287,600 38,287,600 36,006,100 84,500,000 88,617,400 32,968,100 32,164,800 30,793,400 26,979,700 28,599,700 20,981,000 19,023,600 10,624,700 9,585,000 8,811,000 8,006^ 7,604,900 7,439,900 7,384,100 7,432,400 7,273,400 7,10MOO 7,087,200 7,075,000 7,066,100 7,097,700 6,871,800 Rate OP MoR- TAUTT •00804 .00857 .00310 .00365 .00372 .00407 .00647 .00646 .00453 .00606 .00560 .00564 .00«25 .00479 .00813 .00697 .00723 .00626 .00684 .00878 .00904 .00984 .01441 .00749 .01486 .01136 .01346 .01849 .02887 .02145 .01965 .02682 .03886 .02986 AMfiRIC AN- CANADIAN MORTAUTY £XP£iU£NC£ 1900-1915 BASED ON AMOUNTS INSURED AMERICAN M£N AGE AT ENTRY, 27 IflBOTS Pbior to 1900 IN Force on AMNiymaABT in liiO $54,011,700 Issues from 1900 to 1914, Inclusive $82,144,800 AMCB 86 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 54 55 56 57 69 60 61 62 64 66 67 68 TMab 411,000 264,000 168,600 114,500 207^ 148,700 92,400 59,800 62,000 86^ 68»000 46^ 21,800 31,700 42,500 44,600 17,600 6,600 4,500 7,500 10,000 54,011,7if 300,000 229,400 148,000 282,900 888^ 846,000 448,300 349,000 265,800 220,600 251,100 233,900 244,200 112,000 119,000 84,600 68,900 26,000 27,000 33,000 24,000 6^000 8,000 8,000 • • • • • • 2,600 5,000 1,000 71,f84,H0 73,500 72,800 58,100 28,900 84600 46,900 36,000 30,000 10,500 20.200 27,000 6,000 20,500 14,000 7,000 81,600 ijm 4,600 13,500 1,000 • • • • • • 7,000 6,000 • • • • • • 1,000 • • • • • • 54,7i3,3ii 226,100 216,000 254,300 219,500 249400 253,200 274,200 243,100 206,000 170,800 195,000 181,000 144,800 132,800 114,100 76,900 85,900 54,100 50,600 49,100 25,400 86,800 16,000 20,300 24,400 9,900 9,000 3,600 • • • 6,000 2,600 9,520,200 Exposed to Risk 6,746,700 6,558,100 6,303,900 6,012,100 6^696^ 5,131,500 4,630,100 3,964,000 3,401,700 2,981,400 2,660,400 2,165,900 1,775,000 1,397,600 1,038,300 847,700 665,900 510,000 394,000 808,400 289,800 190,400 130,100 109,100 78,800 40,400 80,600 21,500 18,000 15,500 8,500 8,500 2,600 958,907,200 Bats or M<»- TAUTT .03351 .03294 .04034 .03651 .04462 .04934 .05922 .06133 .06056 .05729 .07646 .08357 .08158 .09502 .10989 .08964 .12900 .10608 .12843 .15921 .10592 .19066 .12298 .18607 .30964 .24505 .29606 .16279 .38710 L06600 111 AMKRICAN • CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSUBID AMERICAN MEN AGE AT ENTRY, 28 Umm PuoB TO 1900 m Force on AmuYwmk&Y in 1900 $58,038,900 IwuES FROM 1900 TO 1914, Inclusive $M»738,600 ANCE 1 2 3 4 6 1 8 9 10 11 12 18 14 15 16 17 18 19 20 21 22 23 24 26 27 28 29 81 82 33 34 85 6,689,900 5,944,600 4,916,500 3,796,600 8y50Q|800 8,008,600 2,493,200 2,475,400 2,044,100 1,655,000 1,720,700 1,819,100 1,284300 1,406,700 1,206,500 724,400 794,300 785^ 679,200 527,500 427,500 390,200 418,400 529,000 804,300 845,900 611,800 612,900 661,200 695,000 702,000 839,900 605,100 872,900 7,475,200 5,773,100 5,897,800 4,028,800 8^466^ 8,118,600 2,167,800 1,853,400 2,207,400 2,052,500 2,041,100 1,9004900 1,585,900 1,224,100 1,307,000 4,087,200 3,802,600 8^300 2,598,800 1,613,600 1,301,100 899,900 946,400 802,500 6M^ 682,600 579,000 465,500 646,500 568^ 874,000 367,500 378,500 310,200 810,000 28,307,800 5,173,900 8,004,400 2,230,500 1,968^ 1,519,700 1,328,600 1,120,200 1,000,900 1,956,800 646^ 571,000 569,000 428,100 834,700 484,700 841,400 807,000 297,800 7,725,700 240,000 100,000 118,700 79,700 Ul^OO 94,500 45,000 71,500 63,500 48^ 74,000 53,000 115,000 83,000 78^ 114 240,200 206,000 210,100 198,900 168^600 261,900 210,500 216,000 226,900 195^000 250,000 160,700 206,900 243,000 234,000 217,000 176^ 220,000 194,600 158,400 121,700 148,000 129,000 92,ff00 106,600 133,500 114,500 95,500 226,500 1294m 125,000 140,000 193,400 207,900 258^ XXPOBEOIO Risk 84,733,500 60,400,200 55,191,800 50,996,000 48|884|4M 46,286,800 44,355,200 43,141,500 42,427,300 41.036.200 SMSMOO 87,270,000 85,957,600 34,830,100 34,341,600 83,172,400 29407,900 26,581,800 22,580,500 20,169,100 11,198,900 9,963,600 9,205,900 8,480,200 7,998,600 7,782,200 7,625,900 7,733,300 7,712,600 7,889,000 7,310,000 7,432,000 7,573,500 7,726,500 7,780^ Rat£ of .00282 .00341 .00381 .00390 .00546 .00475 .00501 .00535 .00475 .00481 .00575 .00698 .00681 .00654 .00606 .00660 .00861 .00785 .01087 .01485 .01401 .01097 .01867 .01727 .01501 .01235 .02987 .01749 .01710 .01884 .02554 .02691 Mm AMiUUCAN* CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 28 Ibbues Prior to 1900 in Force on Anniverbart in 1900 $58,038,900 Issues from 1900 to 1914, Inclusiyb $84,733,500 YmuL 36 37 38 89 40 41 42 43 44 45 46 47 48 49 50. 61 54 55 56 57 59 60 61 62 68 64 65 66 67 68 69 70 Totals 419,300 303,800 222,600 149,200 16^00 134,600 111,500 52,500 92,700 8^,800 62,000 33,800 39,000 27,000 59,700 87300 15,500 14,300 19,000 5,000 8^ 58,038,900 297,800 247,200 297,400 808,000 848300 455,800 434,600 303,000 270,000 26^300 294,900 249,500 359,300 214,400 188300 80,100 59,000 29,000 32300 16300 25,000 ... 13,500 13,000 9300 2,500 1,000 ... . * • 75,548,000 87,000 42,300 58,000 89300 46,000 52,800 56,000 16,500 31,000 40,000 48,500 39,200 17,000 10,000 5300 14,000 2,400 • • • 3,000 4300 2,500 6,000 54,838,160 115 253,000 265,400 239300 815300 809,800 320,100 270,200 257,000 242,600 228300 222,200 147,300 146,300 113,500 99300 78,500 66,500 96,000 46,000 49,000 45,500 30,000 46,400 32,500 13,000 17300 4,600 7,500 1,000 2,500 . a 1.500 TO Risk 7,462,000 7,243,500 6392,400 6,6!25300 6,066,500 5,534,000 4,839,900 4,190,600 8,666,600 8315,700 2,767,200 2,263,600 1,861,400 1,877300 1,066,900 883,500 696,700 563,200 422,500 868300 282,600 229,300 174,300 125,400 78^ 47,400 20,600 16,000 8,500 7300 2,500 1,500 1,500 1,500 1,500 Rate of M,000 468,700 8318,300 309,100 160,800 108,700 107300 164,000 79,000 73,400 98,500 77,300 79300 128,000 74,500 67,000 108,700 126a00 204,500 240,600 212,500 243,500 216^000 282,700 289,800 224,400 255,900 282300 800300 804300 809,800 312,100 295,500 276,000 800A00 815,000 828300 293,700 174,900 170,000 175300 187,000 179300 204,500 210,500 232,000 237,500 289,400 805,900 231,500 344,000 330,200 822.700 £XP0SBD TO Risk 82,761,000 62,226,100 57,952,200 53,710,400 50668200 48376300 46,890,100 46,038,200 46,010,000 45,079300 42,086^700 4O391J00 89389,500 38,401,100 37,623,400 36,172,800 81,667,100 87,788300 24,484,900 22,179,400 12,601,300 11,542,100 10,556,700 93GM00 8,990300 8,592,300 8,470,200 8,498,300 8,300,100 8490300 8,048,600 8,053,200 8,138,600 8,098,200 7,949300 lUiBor TAllTT .00247 .00387 .00367 .00453 30426 .00482 .00510 .00487 .00556 .00516 .00716 .00787 .00818 .00785 .00763 .00948 31186 .01841 .01324 .01388 .01473 .01660 319G6 .01907 .02380 .02485 .02730 .02861 .03801 .02875 .04227 .04077 .04069 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT £NT&Yt 33 Issues Prior to 1900 in Force on ANNivsaBA&T in 1900 $64,662,600 Issues from 1900 to 1914, Inclubitx .|8S;761«000 525,000 371,300 217,900 153,100 161^ 106,600 126,900 62,500 80,700 56,000 87,700 82,000 36,000 29,000 28^ 26,000 20,600 15,000 2,500 64,662,600 403,200 259,500 268,600 321,100 282,700 805,800 358,700 290,800 230,000 207,000 274,500 266,700 149,000 1^7,000 68^ 82,500 78,500 26,000 18,000 9,000 18,500 1,000 ZfiQO 4,S0O 2,000 • • • 76,503,200 66,000 61,200 59,000 78,000 42,500 37,000 46,000 35,500 23,500 2M00 29,800 20,000 26,000 17,000 12,000 5^ 4,500 • • • 6,000 2,500 56,954,700 TO 428,300 404,600 405,500 889,600 449,200 457,000 291,100 285,400 356,200 257,000 217,700 239,600 297,800 139,300 85^200 93,000 45,000 27,500 27»500 44^600 15,500 82,000 4,500 5,000 9,000 7,000 ... 1,000 13,965,700 7,688,100 7,265,600 6,911,600 6^896^ 6^810,800 5,198,600 4,505,800 3,936,900 3,387,700 2.86&700 2,422,200 1,938,400 1,444,100 1,007,300 7wm 575^ 445,000 289,600 233,600 184,600 148^100 82,500 68,000 33,000 24,000 19,000 8,000 8,000 1,000 1,000 Bate of 1,078,826»900 .05607 .05569 .05867 .05809 .07718 .08791 .06461 .07249 .10515 .08990 .08988 .12361 .20622 .13829 .11960 .12085 .20899 .15539 .11772 44897 .80116 .18788 .47059 .13636 .20833 .47868 .87500 Ij iiiiiiiii 138 AMERICAN - CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSUEfiD AMERICAN MEN AG£ AT ENTRY, 38 IwuMB PtaOR TO im m FciacM K4D 48»41930 326,100 519,500 395,300 817,100 428390 401,100 268,500 203,000 211,700 227,600 177,600 141,600 138,300 74,800 68i600 40,000 29,000 30,800 24,500 12jOOO 8,000 10,700 1M18.5M BZPOSEDIO 5,148,200 4,855,500 8392,600 8,458,000 2,931,900 2,455,100 1,985,600 1,6^300 1376,000 1,064,700 784,200 565,600 370,300 269,500 191,600 137,100 106,000 70,700 86300 18,700 18,700 10,700 Rate of MoB^ 924314369 .06334 .10699 .09000 .08146 .12400 .13681 .10936 .10224 .12882 .16541 .16681 .18057 .24452 .20200 .2^ .20877 .21152 .29057 .34653 .88149 .42781 IJ iiiiiiiii 186 \ AMERICAN - CAN ADI AN MORTALITY EXPERIENCE 1000-1916 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT £NTRY, i9 Issues Prior to 1900 in Force on Anniysbsabt in 1900 $64,716,500 Issues from 1900 to 1914, Inclusivb $88»148yMM) Inbub- jomm 1 2 3 4 B 6 7 8 9 10 U 12 13 14 15 16 17 18 19 20 21 22 24 25 26 27 31 32 38 U 7,011,600 5,906,100 5,109,700 3,758,400 2,088,300 2,335,800 2,273,600 2,127,600 1,718^ 1,646^ 1,409,900 1,336,000 1,198,100 971»600 882,500 810,000 806,100 769,700 522,000 674,000 882,800 467,700 502,600 467,000 714,800 713,700 669,000 66il00 408^ 485,500 601,000 506,200 670^700 116,000 6,293,100 5,290,300 4,872,900 8,651,500 3,068306 2,568,300 1,814,600 1,464,000 1,725,500 1,885^ 1,484,700 1,382,800 1,199,400 992,600 1,088^ 8,867,800 3,511,800 2,966,800 2,164,800 1,559,900 820,800 768,500 728,700 592,900 570,500 570,800 420,500 488400 mjm 880,100 327,500 268,500 287,800 275,500 M^OOO 16,200,400 3,709,600 2,488,300 1,860,700 1,887,200 1,362,000 1,109,200 953,500 778,900 2,585,900 715,600 611,900 616,000 525,600 1466^000 620,200 874,800 326,500 308,500 5,422,100 223,600 188,800 126,000 132,500 98,500 100,000 106,000 86,600 6^600 85,900 81,600 54,000 75,500 76,800 81,600 189,800 243,000 279,700 268,600 288,800 261,500 309,000 320,600 354,400 408,100 826,400 341,700 420,200 547,700 418,800 421,000 468,800 432,800 373,600 564,800 306,600 226,000 246,600 250,700 296,600 286,600 282,700 284,100 288,700 264,800 835,200 449,000 329,000 860,100 418400 68,143,500 52,471,800 49,185,000 46,608,800 44,480,400 42,665,900 40,562,400 39,665,400 39,200,900 88488,700 86,199,800 34,318,900 33,392,400 32,492,800 81,625,000 28,824,000 26,897,600 22,367,600 19,444,600 17,867,400 10,342,600 8,666,600 8,815,600 8,182,100 7,708.600 7,210,000 6,967,400 6,861,800 6,550,900 6,874,200 6,122,700 5,863,900 5,693,400 6,667300 6,416,100 Rate of MoB- TALRT .00279 .00463 .00569 .00613 .00762 .00808 .00904 •01061 .00887 .00996 .01258 .01686 .01828 .01407 .01760 .01935 .01921 .03252 .02964 .08786 .03064 .03848 .03975 .04201 .04140 .08668 .04146 .05475 .07657 .05779 .06480 .07726 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSU&fiD AMERICAN MEN AGB AT ENTRY, 39 lasuMftatt TO 1900 m Fqbcs am Ammtrmrnkwr nr 1900. 8^,716,500 1800 TO 1814, IlMSUvmB. $68,143,500 Entxbbo 262,200 167400 186,800 88,700 42,600 50,200 25,000 88,700 28,000 MOO 7,500 9,500 1,500 2,000 12400 14,000 1,000 2»000 2,000 54,716,500 EZISTINO 266,500 88,600 154,000 160,100 130,500 210,600 188,900 184,000 U7,000 118,800 80,500 52,000 42,300 88^ 20^000 12,500 2,500 1,000 ^000 61,987,300 81,000 81,000 72,000 45,700 29,000 29,200 10,000 16,600 8,000 2,000 11,000 11,000 7,000 8,000 2,000 10,000 DtUB 45,428,400 848,800 388,200 385,200 452,000 352,500 318,700 281400 244400 204,500 121,200 124,200 91,500 96^ 66,700 87,200 34,500 13,500 10,000 18,600 8^ 8,000 1,500 1,000 2400 2,000 15,444,300 £XP0S£D TO 4484,200 4,530,600 4,195,200 3,710,300 8.161,200 2,691400 2,188480 1,728,100 1,311,800 1,011,300 784,300 676,100 481,180 288,100 183,200 106,600 63,600 48,600 87,800 18,000 13,000 5,000 5,500 4400 2,000 2,000 88? 8lMl888 Rate MoR- TAUTT .07016 .08568 .09182 .12182 .11151 .11840 .14148 .15589 .11985 .15836 .15888 .22805 .36681 .32364 .21226 .20576 .3^70 .42106 .61538 .30000 .18182 .56666 l.( 187 \ AMEftKJAN • C AN ADI AN MORTALITY EXPERIENCE 1000-lOlS BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT INTEYt 4li lEs Prior to 1900 in Force on Annivebsabt in 1900 $55,922,800 FROM 1900 TO 1914, Inclusivs $07448»800 1 2 3 4 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 24 25 26 27 28 29 80 31 32 33 84 86 7,442,400 6,244,100 4,910,700 3,754,300 8,284,400 2,636,700 1,987,700 2,293,700 2,042,200 1,966^ 1,789,400 1,579,500 1,373,500 1,314,900 1,241,800 799,600 886,800 890,300 785,200 590,500 491,500 886u200 488,200 601,700 502,000 525,000 551,800 482,200 688,600 427,400 511,000 625,600 486,400 607,300 282,600 5,902,300 5,049,400 4,647,100 3,429,800 3499,600 3,045,800 1,938,500 1,379,200 1,858,600 1,768^ 1,418,400 1,278,700 1,223,400 1,234,000 963,600 8,964^ 3,829,600 2,949,600 2,212,400 1,281,400 898,800 602,700 78^600 689,400 730,900 447,500 532,500 606^200 890,900 372,000 269,500 221,600 266,600 262,600 288,600 15,996,600 3,908,400 2,219,800 2,031,500 IjOO^^i^^O 1,412,600 1,248,200 902,600 976,200 2i490^800 604,100 537,200 469,600 444,100 1^0r700 496^ 398,000 342,700 340,600 6,063,900 226,000 178,000 126,000 146,500 125,000 115,100 86^ 49,000 57,500 67,500 20,300 41,000 21,600 49,500 258,300 210,200 253,500 274,000 329,700 371,200 317,600 318,300 407,200 440,700 486,400 530,800 448,300 476^ 804,900 463,600 545,500 416,900 450,000 300,600 299,900 296,300 365,000 326,800 320,000 88^200 846^000 320,800 366,000 412,500 292,500 806,100 421,100 468,200 Exposn TO 67,143,900 52,429,100 49,505,200 47,296^600 46^4,600 43,506,800 41,355,400 39,785,200 39,479,500 1,668,800 34,950,000 34,227,200 33,376,900 82,666,400 81,108,000 28,862,600 23,047,200 20,099,700 17,916,000 1(^71<^ 9,082,900 8,893,300 7,694U00 7,013,400 6,666^ 8,276,900 5,871,400 5,644,200 5,276,100 6,037,600 6428,800 6,014,800 4,826,800 Uate or Mob- .00385 .00401 .00512 .00679 .00758 .00898 .00798 .00806 .01081 .01236 .01392 .01551 .01343 .01469 .01946 .01726 .02367 .02074 .02612 .03262 .04349 .04247 .04668 .06612 .05464 .06485 .07818 .06806 .06910 .08897 .09700 188 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN A<» AT BmtT, m lasDxs Pbiob to 1900 m Fobcb oir iliiiiii— m tm IMM tfiff.01t.000 Utnmwmm UOO so VttU, Imaimn — $nr,M8tM0 IifBinii- ANCB £nt£bbo Existing Withdrawn Dbao Kpompto Rate of MOB- talitt 36 37 38 89 40 250,500 205,500 80,200 9MW 102,500 177,500 155,000 188,000 142,100 110,500 40,500 35,500 41,800 20,000 80,500 334,500 364,300 4M^ 811,800 292,900 4,308,100 4,006,100 8,66M00 3,167,000 2,790,200 .07764 .08844 .10914 .09839 .10497 41 42 43 44 46 66,700 35,500 21,500 9,800 6,000 142,900 117,500 90,000 98,600 79,800 22,500 33,000 36,000 U,000 14,700 282,000 213,800 806,600 224,800 184,300 2,408,800 2,028,100 1,699,300 1,289,200 968,200 .11707 .10542 .17984 .17898 .19035 46 47 48 49 60 2,500 1,000 12,000 6,000 8,000 48,000 75,400 42,200 39,600 10^ 30,000 1,600 6,600 8ioo 116,600 101,000 88,400 86,600 42,200 694,600 502,500 325,500 200,400 130,400 .16787 .20100 .27168 .18214 .32382 61 62 53 54 66 3,500 2,000 5,000 • . • ... 6,000 6,000 1,000 ... ... • • • 1,000 • . • 29,000 12,600 4,000 6,000 ... 71,100 39,600 22,000 22,000 .40788 .31818 .18182 .22727 66 87 58 ... • • • ... ... • • • ... • • • 1,500 5,000 7,000 • • • • • • 13,500 6,500 5,000 .51852 Totab 55^923,800 16,818,600 IM44,i00 884|77i|8IO 139 Ai^^iUCAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT fiNT&Y, 41 * Issues Prior to 1900 in Force on Annivbbsabt in 1900 $47,950,300 Issues from 1900 to 1914, Inclusiys ttf9,818,900 Ybab 6,224,700 5,116,600 4,180,800 3,136,800 1,898,200 2,046,400 2,065,200 1,732,300 1,507,000 1,220,000 1,220,500 1,335,800 U08»000 816,600 046^ 700,200 690,900 541,600 586,400 334,800 844^00 861,700 581,600 487,700 452,200 884,400 427,800 509,400 394,100 502,500 227^ 4,894,200 4,579,900 4,028,800 3,634,900 2|,786i6Q0 2,601,800 1,667,600 1,341,900 1,360,700 1,626,700 1,428,600 1,199,100 1,283,000 926,100 984,600 8,408,700 2,716,400 2,881,900 1,758,800 1,290,700 690,400 668,700 727,600 67^ M^600 374,200 364,900 320,700 880,600 mjm 274,600 192,800 225,000 200,900 8U^i00 14,356,800 2,999,600 2,302,400 1,582,900 1,186,400 1,056,800 855,000 837,400 2426,800 712,600 686,600 615,000 359,100 1,059,700 444,800 281,800 211,600 549,400 4,965,600 176,000 144,500 184^ 118,600 140,000 96,500 66,500 91,500 88,600 60,000 82,500 44,000 74,000 28,000 41,600 235,400 282,800 272,000 263,800 806J0O 272,000 276,000 275,500 411,100 mjm 868,200 332,000 411,200 336,100 856i)00 688,100 617,400 469,600 466,300 411,800 238,900 868,700 248,900 203,600 246,300 281,900 322,100 887,100 800,700 806,600 272,600 275,200 373,300 299,800 Exposed to Risk 59,813,900 46,552,200 43,806,500 41,884,100 89,089360 37,620,200 35,554,700 34,600,700 34,193,500 88,816^ 80,830,200 29,837,900 28,990,300 28,001,600 27,716400 26,424300 22,863,600 19,983,200 17,630,400 15,446300 9,820,300 8301,400 7,974360 7,207,400 6,665,800 6,050,200 5,879,200 6^618,400 6316300 4,981,000 4,667,000 4,515,100 4,512,500 4384300 4308,600 Ratjb or Mo*. TALRT .00394 .00607 .00621 .00687 .00782 .00723 .00776 .00796 .01202 .01040 .01162 .01113 .01418 .01200 .01281 .02019 .02264 .02299 .02645 .02666 .02563 .(M0I9 .08121 .02825 .03695 .04659 .05479 .06006 .06666 .06153 .05841 .06095 .08278 .07068 MO AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN A£S AT INTRY, « Issues Prior to 1900 in Fobcb cur AinavMyanr m 1900 $47,950,800 1900 TO 1914^ hKauomrm, $09318399 Insur- ance Ybab 36 87 88 89 40 41 42 43 44 4fi 46 47 48 49 60 61 52 53 54 66 67 68 Totals T Cntjbbbo 237,900 183,100 76,600 64,000 47,000 61,500 7,500 32,000 12,000 10300 6,000 5,000 4366 1,200 1,600 6300 £x]BTINO 47,959390 WlTHDHAWN 212,300 108,000 94,700 74,700 60,000 103,500 82,500 111,000 68,100 64300 37,500 57,500 32,500 84,600 %099 23,000 7,600 58,169,999 16,000 87,500 29,600 24,700 30,000 10,600 17,000 9,000 3,000 16,000 2,000 7,500 5,000 10,000 1,000 3,( 39392,499 Dkad 405,200 268,460 848,100 426,600 288,000 219,200 225,500 162,700 212,800 106,500 79,000 95,000 66,000 26300 41,000 13,000 4,500 8,700 1,600 5,000 14,791,999 lO 8,647,000 8361,400 8,020,600 2,624,900 2,154,000 1,823,000 1,541300 1328,700 978,000 711,100 534,600 422,100 262,100 168,600 102,100 59,600 23,600 12,700 4,600 11,000 8,000 8,000 5,000 746,117399 Rate of Mor- tality .11111 .08266 .11624 .16210 .13370 .12024 .14681 .18296 .21871 .14977 .14777 .22507 .26181 .16898 .40167 .21812 .19068 .68504 .84788 1.00000 141 AM£RICAM - CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 BASSD ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 42 Imsom PsKtt TO 1900 m Fimcb on AmnymwABT in 1900 $46,056,700 IflBun FBOM 1900 TO 1914, Inclusive $56,576,400 ANCE Ybab 1 2 8 4 6 6 7 8 9 10 11 u 14 IS 16 17 18 1» 21 22 23 24 2T 28 n 34 36 4,921,200 4,015,800 2,880,300 2,69^^ 2,295^900 1,915,900 2,228,000 1,646,600 1,632,900 1,482,100 1,019,400 1412,600 1,89^900 892,000 664,900 593,600 759,400 mm 557,100 285,500 374,300 470,400 861609 448,900 601,100 384,300 366,100 488400 468,700 479,100 476,400 384,100 269,000 4,858,900 3,676,200 3,786,400 3,297,700 2.633L800 2,447,400 1,688,700 1,161,500 1,305,200 1.494700 1,167,000 1,428,200 1,082,000 968,100 879,400 3,184,200 2,756,700 2,162»900 1,597,000 1,071,600 851,100 735,700 603,600 667,700 461,000 444,100 274,200 824,000 417,000 968.000 203,500 150,000 270,000 200,000 179,400 18,460,100 3,120,200 2,000,600 1,964,500 1^82^200 1,202,000 867400 876,300 657,900 2,223,800 604,500 418,800 866,600 898,700 1,005,500 421,100 335,800 847,000 819,100 4,644,800 136,200 106,700 91,500 80,000 68yooo 70,000 48,500 44,000 29,500 44^600 84,500 46,300 89,500 57,600 20800 164,000 318,700 340,100 267,000 ggft OQQ 261,600 852,700 288,000 507,800 425,300 886,000 460,700 488,800 521,000 497,200 551,000 423,500 406400 419,100 416,300 296,600 277,900 216,800 286,700 267,000 255,700 334,600 419,900 384,600 814000 362,100 264,800 400,400 382,700 887,600 Exposed to Risk 66,576,400 48,917,200 41,723,300 39,612,000 86,968.100 86,816,900 83,711,800 32,734,200 32,636,400 dL812JL00 29,804200 28,678300 27,395,500 26,576,100 26,097,200 24,607,100 21,114700 14194M0 16,039,700 14425,500 8,799,100 8,072,300 7,287,600 4mioo 6,246,400 5,826,900 5,506,000 5,449,800 4044200 4681,200 4,393,100 4,249,700 4,267,700 3,984200 4984000 Batbot MCMI- I mi .00726 .00815 .00674 .00608 .00712 .01046 .00880 .01556 .01887 .0U47 .01606 .01764 .01960 .01905 .02239 .02006 •02216 .02618 .02886 .03371 .03443 J0I879 .04274 .04388 .06077 .07705 .08242 .06231 .09382 .09605 .10897 148 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1000-1M6 BASHED ON AMOUNTS INSURED AMERICAN MEN AG& AT ttlTR Y, 42 Issues Pbiob to 1900 in Force on Anniversary in 1900 $46,056,700 Imam mom 1900 so 1914 IncMHva 664576|460 86 87 38 89 4» 41 42 43 44 46 46 47 48 49 60 61 52 53 54 55 66 67 58 59 Totals 262,200 129,000 58,000 62,600 27,000 28,i 19,( 5,000 4,400 5,000 6,000 • • • 1,000 4800 5,000 ExiaTiNo 173,500 66,000 44000 117,000 82,800 63,000 133,000 61,500 11,000 44054700 45,000 25,500 33,000 6,100 4000 18,000 3,000 Withdrawn 25,500 8,000 64,000 16,000 88,600 13,000 12,000 7,000 16,000 1,600 1,500 4,000 1,000 MOO 1,800 De^d 49«614800 87,764066 405,500 264,200 877,200 289,160 253,900 242,700 227,700 254,500 164,700 184600 84,000 46,500 41,500 31,000 24000 3,000 15,000 2,500 5,000 4000 5,000 • • • 1,500 15,367,366 Exposed TO 3,409,700 3,067,400 2,864200 2,427,000 2,058,400 1,715,700 1,425,500 1,071,800 744800 674160 379,100 253,600 183,600 108,100 74O6O 46,300 34,000 16,000 13,500 4600 6,600 6,500 1,500 1,500 724614366 Rate of Moa- .11893 .08613 .18197 .11912 .12335 .14146 .15973 .23745 .20660 .28160 .22158 .18336 .22603 .28677 .88889 .06479 .44118 .15625 .37037 .76923 IJ iiiiiii 148 AMEBIC AN - CAN ADI AN MORTAUTY £XP£IUGNCE 1900-1915 BASED ON AMOUNTS INSU&SD AMEBIC AN M£N AGE AT ENTRY, 43 ^mmmJhmMToimOmWommcmAjmmwmuMwm U90 TO 1914» JsKsuBmvm $40,987,900 $52,287,700 Insuk- ANCE YSAB 1 2 8 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 26 27 29 80 31 82 84 35 4,946,400 4^,500 8,472,400 2,751,400 2,853,800 2,036,000 1,717,500 1,928»800 1,645,700 1,882,800 1,262,100 967,900 955,000 1,048,000 899,000 610,400 582,200 494,700 537,100 471^ 426,900 266,200 380,100 427,400 469,500 509,000 486,200 340,700 408,000 375,400 316,500 883,600 40^200 304,500 228,600 4,217,500 8,«2M00 3,777,200 2,989,200 2,856,600 1,992,600 1,471,000 894400 1,216,500 1,463,600 1,174,300 1,194,300 1,000,700 318,400 708,000 2,732,200 2,317,500 1,799,300 1,438,400 i^iifioo 775,400 507,500 620,900 511,400 389,400 848,900 270,500 266,000 300,500 214,000 155,000 175,000 150,000 153,000 114,000 12,289,800 2,943,900 1,794,200 1,531,200 1,089,800 1,302,500 694,800 886400 647,800 1,912,400 603,700 527,000 470,800 462,600 1,068,000 317,600 298,800 174,300 327,000 8,689,400 156,500 87,800 107,500 74,500 llib500 68,000 76,000 55,500 78,500 61,000 26,000 12,000 40,500 23,000 EXPOUBO TO 224,000 410,800 189,000 230,800 247,700 400,600 894,000 886,700 285,800 458,900 382,800 337,500 426^ 468,000 512,000 399,900 458,200 411,400 397,000 48M0O 336,000 352,900 229,900 265,400 286^ 215,000 314,000 350,500 300,300 384,700 812,000 424,800 824,200 331,500 314,200 r,70o 40,503,300 37,907,500 35,619,500 33,619,700 32,279,400 80,619,700 29,867,900 29,631,200 29,126.800 26,674,200 25,775,500 24,684,600 28,741,200 23,050,200 21,580,200 18,740,900 16,248,600 14,858300 12,788,000 7,965,200 7,124,200 6,442,200 5,864,000 5,440400 5,118,800 4,995,900 4,820,600 4,489,300 4,218,000 8,988,700 3,757,700 3,465,500 3,387,500 3,167,000 Rati or MoR- XAUTT .01018 .00499 .00648 .00737 .01241 .01291 .00965 .01576 .01435 .01809 .01729 .01960 .02221 .01853 .02445 .02532 .02765 .084U .04218 .04954 .03569 .04526 .04200 .06285 .07271 .06689 .07985 .07882 .11305 .09355 .09786 .09921 AMEBIC AN . CAN ADIAN MOBTALITY EXPEfilENCE 1900-1915 BASED ON AMOUNTS INSURED AMEBICAN MEN AGE AT ENTRY, U Ibsusb Prior to 1900 in Force on Anniversary in 1900 $40,987,900 Issues from 1900 to 1914, Inglusiys $52;287,700 Imm- AWCB Ybab WrmsAWK Exposed lo Risk Rat£ of Moil. TAUtT 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 58 Totab 173,400 114,600 40,500 34,200 88,000 24,000 4,000 6,000 7,000 7,000 • « • • • • 4,000 ... 1,000 ... 119,000 63,600 96,300 73,500 6^000 * 97,500 50,700 35,500 8,000 12,000 4,500 11,500 20,000 2,000 16,000 7,000 • • • • • • 27,500 28,500 10,000 13,000 28,500 8,500 11,000 4,500 • « • • • « • • • 1,000 • • • • • • • • • • • • « • ■ 280,800 352,900 325,400 287,500 318,700 216,700 206,700 201,500 128,800 105,000 45,000 36^500 34,000 22,500 2,000 8,000 2,500 11,000 2,944,400 2,690,500 2,360,100 1,968,900 1,629,KK> 1,256,900 958,200 693,800 458,300 828,500 218,500 169,000 121,000 66,000 45,500 27,500 12,500 11,000 .09537 .13117 .13788 .14602 .19568 .17241 .21572 .29043 .28104 .81968 .20695 .21598 .28099 .34091 .04396 .29091 .20000 1.00000 40,987,900 44,419,500 34,215,300 14,640,890 649,248,899 145 AN - CANADIAN MO&TAUTY £^£iU£;NC£ 1900-1915 BASSD ON AMOUNTS INSUBBD AMERICAN M£N AG£ AT ENTRY, 44 TO IMI w FoMB oil AmoYamusr ni IMa 188,160,900 1900 TO 1914, iNCLXTSiyB $49,576,300 ANCB Year £XP06£D TO Ratsov MOB- TAI4TT 1 2 8 4 5 6 7 8 9 10 11 12 18 14 15 16 17 18 19 20 21 22 28 24 25 28 27 28 29 80 81 82 33 34 85 4,075^800 4,361,400 2,964,800 2,827,100 2.365,700 1,815,800 1,383,500 1^63^00 1,107,700 1,161.800 861,600 745,300 531,700 581,200 685,400 569,500 427,800 378,300 316,500 262,100 264,800 J # 348,000 397,500 313,200 418,000 868^700 295,000 326,300 416,000 297,200 220^ 4,229400 3,739,900 3,502,000 3,128,900 2,055,600 2,010,500 1,268,500 1,119,700 1,233,500 1,400,300 1,050,000 984,600 922,700 949,400 683,000 2,364,300 2,091,000 1,685^ 1,480,800 868,400 555,300 486,400 672,600 840,700 881,700 319,900 457,000 400,500 234,500 258,500 108,500 125,000 162,500 151,500 127,500 11,589,500 2,521,500 1,883,800 1,419,400 L863.500 945,200 1,020,700 740,700 677,600 1,803,100 521,200 466^ 879,800 886,000 935,400 314,300 186,500 m,m 262300 8,269.700 139,000 113,000 106,< 86,^ 88^ 70,800 59,600 38,000 29,000 57,500 81,500 43,500 28,500 44,600 29,600 1 III 1 Hi 225300 244,000 356,600 224,800 282i500 898300 882,900 884,200 354,000 330,700 466,200 827A00 452300 477,500 400,300 411,800 435,700 878»000 488300 296,500 324,700 307,200 305,500 808300 812,900 333,700 281,000 229,400 280,300 209,100 296,000 294,200 334,400 362,800 8U300 49,576,800 38,206,900 36,062,900 33,285,300 8L889300 80308^ 28,559,800 27,440,700 27,061,400 26,179,800 23,908,900 22,979300 22,403,600 21,810,200 20,858,900 19,585,500 17,026,800 14394300 18,385,100 11,717,700 7,711,900 7,071,200 6,481,100 5^669400 5388ii00 4,794,000 4,417,600 4,017,500 3,662,800 ym,m 3,885,600 3,249,600 3,113,200 3,003,800 2,742,100 .00456 .00639 .00989 .00675 .00901 .01829 .01166 .01218 .01308 .01263 .01950 .01428 .02018 .02189 .01919 .02103 .02559 .02504 .08624 .02530 .04210 .04344 .04714 .06446 .06961 .06361 .05710 .07658 .08743 .09053 .10741 .12078 .11868 148 AMERICAN i CANADIAN MORTALITY EXPERIENCE BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT ENTRY, U Issuss Pbiob to 1900 in Fobcs on AxaaYMUuax in 1900 $38,169,900 1900 TO 1914, iMCUmmi $49,570300 Inbub- ▲NCS £nT£B£D £xi8TINO Withdrawn Dead ExFOSBDfO Rate of Mob- 36 37 88 40 41 42 48 44 46 46 47 48 49 60 61 52 53 54 55 Totab 121,500 59,500 51,800 82,200 18,900 16,000 13,000 10,500 9ioo 3,000 1,000 9,009 54,700 96,200 68^000 22,600 62,800 55,500 43,100 50,000 26,000 7,000 15,000 10,700 2,000 10,000 Si;«oo 1,000 ... 25,000 20,000 24^ 7,500 13,000 13,000 3,000 5,800 2,609 1,000 ... ... 1,500 ... ... . • • 38,169, 41,952,389 31,888,700 321,200 820,900 247,799 226,800 266,500 183,600 147,500 184,000 160,700 69,400 41,000 27,500 18,000 28,000 7J09 11,000 2,000 4,000 3,500 2,000 13,905,200 2,494,000 2,214,600 1,887,000 1,669,100 1,336,000 1,012,600 776,500 595,900 ^6,699 227,900 171,000 117,000 79,800 59,800 26369 25,000 11,500 9,500 5,500 2,900 597,299,600 .12879 .14490 .18484 .14461 .19948 .18132 .18995 .22487 JW74 .26064 .23977 .23504 .22556 .88462 .29104 .44000 .17391 .42105 .68636 11 147 AMERICAN - CAN ADI AN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT £NTRYt ^ Issues Prior to 1900 in Force on Annivebsaby in 1900 $85,562,100 Issues fbom 1900 to 1914, Inclusivs $47^700,200 YSAB 4,219,100 3,853,300 3,264,000 2,638,500 iiSnym 1,882,200 1,513,500 1,513,500 1,476,600 U71,000 1,051,800 1,090,900 996,700 843,500 694,100 495,000 400,600 517,800 468,000 304,500 386,700 22M00 349,000 424,100 354,200 400,700 276,200 824,500 270,900 284,400 291,300 301,700 224,100 179,000 3,973,600 3,288,600 3,886,900 2,678,200 2,242,600 1,668,400 1,514,200 935,200 1,327,200 1,207,600 1,019,500 1,017,200 760,400 778,200 559,600 2,195,100 1,968,700 1,894,400 1,217,000 845,200 640,100 479p200 606,900 444,000 378,700 247,500 343,700 213,500 185,500 188,500 136,000 117,000 119,500 84,500 87,600 11,373,700 2,423,100 1,446,600 1,224,900 1,28^100 939,700 786,300 755,600 608,600 1,698,700 571,800 427,000 370,800 237,700 1,072,400 286,100 M94100 214,800 172,700 3,076,100 112,700 92,500 88,200 74,500 94,500 31,000 61,800 88,700 88,500 39,000 49,000 42,100 24,600 24,500 14,200 SXPOSED TO RUK 196,300 204,300 252,900 428,600 271,400 419,600 327,700 391,200 341,700 844,700 880,900 417,100 393,200 378,100 450,500 681,600 624,100 446,800 444,500 271,200 392,200 268,600 282,100 323,200 216,600 336,000 269,500 810,800 240,900 167,000 261,700 317,700 886300 887300 47,700,200 36,375,700 34,313,000 81390.600 MMWMOO 28,624,700 27,434,200 26,319,500 25,761,000 24i060l100 28,270,100 22,349,700 21,679,300 21,051,600 2030UOO 19,112,700 16,496,000 14,238,600 12,200,900 10,834,700 6,946,700 6488,400 5,580,000 5,000,800 4,549300 4,176,900 4,036,000 8,696300 8,450,700 3346,400 3,047,900 2,980,300 2,860,800 2,690,700 2,419,600 Batbof .00412 .00562 .00737 •01824 .01466 .01194 .01486 .01327 .01882 .01687 .01866 .01822 .01796 .02197 .08804 .08177 .03138 .03643 .02503 .05646 .04007 .05641 .07105 .05186 .08300 .07291 .09007 .07423 .06479 .08781 .11144 .14857 .15181 148 AMERICAN . CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT BiniY, 46 lasuss Pbior to 1900 in Force on Annivbsaajiy in 1900 $81^552,100 Jamnm wmm 1900 to 1914, Jjmamn — .0ir,70030O Insur- ance Ybab Entebkd Existing Withdrawn Dead Exposed 10 Rate of MOB- 36 37 88 89 40 41 42 43 44 46 46 47 48 49 60 61 62 Totals 128,400 79,500 38.500 21,000 6,000 6,000 14,000 3,500 2,000 5,000 • • a 1,500 3,000 • • • • ■ • • • • 67,200 33,300 35.400 61,600 32,000 42,000 25,200 24,500 18,000 11300 37,500 6,000 1,600 • • • • 24,000 43,500 7,000 10,000 10,000 6,000 2,000 12,000 8,000 « • • • • • • • • • • • • • • * • • • • 401,000 290,300 28&700 232,500 210,400 170,500 100,100 128,500 58300 27,500 40,000 13,000 16,600 16300 • • • 4,000 7,000 2,159,500 1,795,700 1.608.100 1,260,500 977,500 731,100 518,600 405300 248300 171,600 137,600 60,100 42,600 26,100 11,000 11,000 7,000 .18569 .16166 .16828 .18445 .21624 .23321 .19302 .31705 .21821 .16026 .29070 .21631 .38732 .6m8 .36364 1.00000 35,552,100 39,424,600 30,009300 13,818300 564,421,700 149 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN A<» AT ENTRY, U IssuM Pbiob to 1900 IN FoBCT m Amanmumr m MM |81,nMM •■oti IMO lo 1914, iKcmcon $40,877,900 Insuk- ANCK Entered Existing Withdrawn DS4D £XP^^ TO llAT£ (V MOR- TAUTT m 1 3,674,100 3,783,500 9,799,600 97,600 403n300 •00289 o 0,470,200 2,697,600 2,176,100 282300 80371,400 .00914 H 2,791,600 1,477300 866,100 29,185,600 .01217 A O OAA AAA 2,166,400 1,066,500 221,200 27,384,800 .00808 R 9 1 OeO AAA 2,230,600 922,700 218,100 26,231,900 .00831 6 1,605,100 1,468,800 799,800 289,600 24,714,400 .01172 1 1 Q10 AAA l,ol^,000 1,086,700 691,700 462,600 28,781300 .01904 Q O 1 A T A 1 AA 1,470,100 801,600 689,800 819,000 22,842,400 .01897 Q 1 Ids CAA 1,160,000 667,400 460,100 22,652,100 .01987 MM 1 Af A QAA 1,069,100 1,290,600 394,800 21,641,100 .01824 11 1,113,300 838,600 367,400 383,600 19,915,800 .01926 IZ Ol Cr AAA ol5,900 902,500 347,400 381,600 19^,600 .01968 1 Q lo T1 A AAA 710,000 633,300 223,200 826,000 18^828300 .01760 tA 14 A01 il AA 9ol,400 662,600 880,800 407300 18,161,400 .02246 IK AO 67^800 906,700 629,000 17,691,900 .02990 16 647,500 1,872,000 166,600 543,200 16,412,700 .03310 If y| >l 1 AAA 441,900 1,785,400 129,500 527,500 14,378,400 .03669 1 Q lo 443,300 1,469,900 176,400 408,400 12,377,900 .08299 1 Q ly OCT A nf\i\ o50,700 1,289,300 82^800 441,600 10,766,600 .04102 OA OOCT AAA 66M00 2324,200 821,000 9,061,600 .03542 SI 801,800 f78,700 119 SOO D,UoD,^UU .Ooool S2 234,600 402,200 102,200 307,500 5,451,800 .05640 23 266,800 370,100 106,100 250,400 4,874,500 .05137 24 278,000 332,700 80,100 263,600 4,414,700 .06971 25 279,000 824,800 68300 W7,000 4,«li300 •06891 26 816,200 68,500 209,000 3,575,500 .05845 V7 418,800 147,500 36,000 273,900 3,236,200 .08464 28 280,800 150,000 7,000 217,100 3,197,600 .06789 29 208,800 286,000 22,500 218,000 3,104,300 .07028 30 228»400 168,700 6»000 246300 2,786300 38889 81 807,500 166^000 18,600 261,500 2,595,000 .10077 12 286,800 120,000 82,600 202,500 2,472,500 .08190 tt 281,600 143,500 19,500 320,800 2,352,800 .13635 34 264,500 66,600 22,500 259,500 2,100,600 .12354 35 105,500 66,500 16,500 293300 2,016300 •14666 160 AMEBIC AN - CAN ADIAN MORTAUTY £XF£RI£NC£ 1900-1915 BASED ON AMOUNTS INSURED AMERICAN M£N AGE AT ENTRY, 46 iMmi Fuw TO 1900 m F(MK»wAiinTBH^^ Imamwmm 1900 to 1914, IircLuimB ▲NCB Year 86 87 89 40 41 42 48 44 46 46 47 48 49 60 51 52 53 64 Toteb Entered 108,800 M^400 19,000 2,000 14,100 19,000 14300 1,000 1,000 31,312,200 87,000 86,000 38,500 27,000 45,500 11,000 49,000 8,000 6,000 ^500 11,000 33,776,200 18,000 14,000 • • 6,000 5,000 11,000 4,000 10,000 5,100 4,000 1,000 ... ... . • • 271,700 263,400 194,500 225,500 U7300 127,000 99,600 83,000 83,800 68,000 36,500 10,000 16,000 7,000 5,000 7,000 2,000 1,500 25,443,300 12,970,600 .$31,312,200 . $40,877,900 Exposed to 1,746,600 1,477,600 1,259,600 1,045,600 7894M) 686,400 606,400 367,400 276,400 177,600 100,000 48,600 37,500 . 22,500 15,500 10,500 8300 3,600 1,500 487,786,100 Rate or MOR- tautt .16666 .17826 .15441 .21567 .14866 .19967 .19687 .22591 .30318 .38288 .36600 .20619 .40000 .31111 .32258 66667 .57143 1.00000 I 151 AM£RICAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSVKBD AMERICAN MEN AG£ AT ENTR Y» 47 teow Ftam to 1900 in Foscb on Anniyebsaby in 1900 $27,789,700 liKUES FROM 1900 TO 1014, INCLUSIVE 936»408»000 8,871400 8,419,900 2,561,600 1,888,800 umjno 1,335,500 1,124,100 d49»200 790,600 682400 868,900 771,200 486,200 373,000 306,800 409,600 848,600 262,400 270,000 147,300 184,200 286^ 289,900 295,500 292,700 214,600 189,200 26M00 259,600 275,700 186,100 151,600 88p000 2,788,400 2,483,400 2,416,100 1,870,000 umjm 1.229,900 1,180,800 779,900 1,027,000 1»052,900 728,900 888^ 661,300 584,100 404,100 1,640,600 1,888;200 1.88 4 , 000 878,700 696,700 466,200 442,900 848^600 892.600 280400 214,500 165,500 223,900 203,500 124,200 114,000 88,500 183,500 48,000 66^ 8,513,900 1,825,800 1,485,200 935,700 880400 881,200 714,700 617,700 424,600 14^700 466,800 288^ 286,700 192,100 668.300 322,400 197.800 98,000 175,700 1,951,100 73,700 64,600 79.000 0B4» 7,000 42,000 59,700 68,000 44.800 84).000 82,500 39,000 42,000 5,000 26^000 194,000 266,700 255,500 209,000 8U.900 282,700 306,700 284,000 311,300 847^ 277.600 888,100 407,600 376,500 424.800 870,200 470.200 444,000 415,200 351,000 222,500 288.800 286,800 244,700 166,600 225,000 253,000 207,700 171.800 289400 303,900 247,500 351,200 288,800 282.200 exfobed to Risk 35,408,900 27,288,700 26,132,700 24,537,500 28^.600 22,480,700 21,613,200 20,719,200 20,373,100 19.784^ 18.188.800 17,472,400 16,864,300 16,472,600 18.091400 16^080400 18419,900 10,876,200 9,378,700 8,267.600 6,521,200 6.028^ 4.486,400 8,966,800 3.619,500 3,415,700 3,229,700 8.044.200 %78».20O 2.62^ 2,360,200 2,169,300 2,070,000 1,679,400 1.489,200 TAUR .00548 .00977 .00978 .00862 .01882 .01258 .01419 .01371 .01528 .01760 .01680 .02107 .02417 .02286 .02640 .02464 .08684 .04083 .04427 .04261 .04689 .06806 .06184 .04449 .06587 .07834 40666 .12876 .11409 .16966 .17197 46692 162 AMERICAN . CANADIAN MORTALITY EXPERIENCE liNN)-1015 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT ENTRY, 4S Issues Prior to 1900 in Force on ANNiviaiBABT in 1900 $27,789,700 IlBUIB SSOM 1900 TO 1914» iNCLUttVJB 886.408»900 36 37 38 40 41 42 48 44 46 46 47 48 49 60 61 Totals 73,800 41,700 12,700 18,000 9.600 14,500 6,000 ■ • • 6,000 ■ • 27.789.700 SZUTINO 57,000 41,200 11,800 89.200 19.000 28,600 16,000 1,000 1,500 6,090 3,000 5,000 Withdrawn 29.212,800 19.000 10,500 2,000 18,000 3,000 4,500 3,000 1,000 • • • 8.000 2,000 5,000 Dead 22.518.200 192,600 205,200 167.100 129,800 186,000 40,300 92,700 53,600 60,000 27.000 15,000 23,000 5,000 8,000 2.700 10,000 2,500 11,467.600 TO 1,263,500 1,068,700 868,600 696,300 626,800 377,800 324,000 217,300 161,700 81,200 61,200 28,200 23,200 12,500 2,500 436.486.600 Rate of Mob- .15243 .19201 .18407 .10667 .28611 .24666 .80921 .18473 .37582 .17730 .34483 .17768 .80000 1.00000 168 AMERICAN. CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 48 Bncn to IMO m Fobcb ow AmnYKBaABT m 1900 $25,750,600 1900 TO 1914, Inclusive $33,307,200 ANCE YXAB 1 2 3 4 5 6 7 8 9 10 11 12 18 IS 16 17 18 19 21 22 23 24 27 28 29 80 SI 82 33 34 85 8»266,000 8,130,400 2,477,900 1,911,700 1,628^ 1,415,800 1447,600 MS,100 893,300 719,200 798,100 621,000 Ml,200 i23,600 320,500 419,500 508,000 866^900 276,000 235,500 105,500 240,300 214,900 283,700 242,400 192,500 221,000 186^ 144,000 188,000 121,500 171,300 74.200 2,888^000 2,290,800 2,381,100 1,894,100 1»797,400 1,289,200 1,028,000 818,900 862,100 748,600 554,600 682,000 467,700 426,400 880,700 1,795,400 1,525,400 1,277,100 1,088»000 564,700 504,400 269,500 346,600 242,900 imjm 159,500 200,000 128,000 97,000 148^500 118,600 73,500 132,500 58,500 41,500 7,711,400 1,689,500 1,205,400 1,226,800 947,000 778480 688,800 641,600 339,100 1,052,200 256^ 22M00 286,800 182,800 732,400 207,000 185,000 147^ 122,000 1,487,800 66,000 78,000 56,000 28,000 80,400 32,500 60,000 16,500 41,000 25,000 10,700 13,000 12,500 7,000 84^800 270,200 179,100 259,200 234,200 344,800 878,600 271,600 307,400 437,400 339400 278,000 428400 408,200 886,100 480,900 464,500 325,700 600,900 888,680 428,600 264,300 239,000 253,900 220,500 248,600 145,400 203,400 223,000 250,600 282^600 235,700 188,200 249,700 154,500 199,800 JEtXPOSED TO Risk 33,307,200 25,894,600 24,865,600 23,497,800 2^p054,400 20,689,000 19,671,600 18,822,900 18,304,100 17,558^ 16,188,100 16,862,200 15,137,800 14,930,700 14,497,600 13,427,200 11,280,800 9,884,200 8,246,800 7,064,200 4,890,300 4,291,100 3,810,100 8388,900 8,122,400 2,842,000 2,788,300 2,567,300 2,892,800 2,224,700 1,935,200 1,719,300 1,632,600 1,359,400 1,810,700 TAUTT .00811 .00692 .01042 .00997 .01568 .01814 .01388 .01633 .02390 .01931 .01692 .02701 .02697 .02586 .03317 .03459 .02887 .06188 .04660 .06039 .05405 .05570 (UUUtA. .IKNNPlt .08497 .07962 .05116 .07295 .08686 .10475 .12180 .10946 .15295 .11365 .16208 154 AMERICAN - CAN ADIAN MORTALITY EXPERIENCE 1000-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 48 Issues Prior to 1900 in Force on AmmysBSABY in 1900 $25,750,600 iMUfift Jsoif 1900 TO 1914, iNCLuaivs ^,307,1200 ExiBToro Exposed to Risk Batb of TAUTT 36 37 38 89 40 41 42 43 44 46 46 47 48 49 Totab 64,500 38,200 14,000 17,000 1,^ 24,000 16,400 16,400 20,000 18,600 4,000 41,000 9,000 10,500 73,500 20,000 8,000 1,000 10,000 2,000 2,( ... 17,117,988 18,499488 194,700 133,400 169,500 127,000 81,200 117,000 54,000 26,200 13,000 33,200 9,500 8,500 10,000 1,000 11,438,888 1,109,800 945,100 760,000 568,100 4^100 339,400 209,400 114,400 79,200 64|200 81,000 19,500 11,000 ^ 1,000 396,471,388 .17544 .14115 .22303 .22355 J8888 .34473 .25788 .22902 .16414 .51718 .30645 .43590 .90910 1.00000 166 AlfiUUCAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AM^UCAN MEN AG£ AT INTRY* 49 toraB FmoR to 1900 in Force on ANNiVKRaARY in 1900 $24,872,700 Issues from 1900 to 1914, iNCLuaivs t88,8fi4t800 Yaui 1 2 8 4 • • 7 8 9 10 u 12 18 14 15 1& 17 18 19 20 21 22 23 24 26 27 28 29 81 82 33 8,225,700 3,390,900 2,647,800 1,777,500 1,82MM 1,151,900 990,000 832,600 664^4CM) 682^ mm 878,500 483,300 303,500 474^ mjm 287,800 306,800 283,200 141,300 199,700 188300 147,200 217,000 233,500 212,500 174,500 7M00 157,500 189,500 116,700 181,700 €8,600 2,383,600 2,041,700 1,585,900 1,711,700 I.M61OOO 1,042,900 849,300 634,100 774,100 878»800 588,700 479,400 495,700 383,900 417,300 1,563,500 1,668400 l,207yMO 821,000 511,800 376,700 391,900 887,900 2f?7,M0 114,600 207,900 90,700 156,500 266,600 88,500 132,700 77,000 42,800 69.889 7,197,900 1,431,400 1,182,700 754,600 798JI00 587,900 487,100 399,700 396,400 i;ao2,7oo S8U00 289300 246,000 195,000 767,100 237,400 114300 84,900 163,900 1,144,400 45,000 42,000 87,000 1^000 19,000 12,000 48,000 10,000 7,000 20,600 25,000 21,000 14,000 16,000 1^700 Risk 180,500 214,000 299,200 452,900 281^490 848,800 303,400 355,700 429,900 896300 484400 847,900 501,200 372,100 823400 469,700 411300 487,500 385,100 214300 275,800 211,000 246300 802,500 171,500 236,400 334,000 219,300 8f77,000 221300 153,500 205,000 210,000 137300 197,800 28,854,200 22,317,900 22,021,700 21,601,700 29389^000 19,456,200 18,855,900 18,368,000 17,968,500 17300,700 16,592300 14,988,700 14,415,300 13,744,300 13,671300 12,647300 10,690300 8,978,900 7,520,600 6,438,400 4,874,800 436O3OO 8318,900 8,536,400 3,082,700 2,924,900 2,685,600 2346300 2378400 1,908400 1,628,700 1,519,200 1,350,000 14«S700 1,161300 Katm or .00626 .00959 .01359 .02097 .01790 .01609 .01937 .02393 .02804 .02976 .02321 .03477 .02707 .02863 .04875 .05121 .03327 .05658 .04780 .08199 .08554 .05563 .08082 .12437 •08964 .12186 .11829 .09425 .13494 .15666 .11821 .17166 186 AMERICAN . CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT SNTA Y, 49 Issues Prior to 1900 in Force on Anniversary in 1900 $24,872,700 IflSDSB JBOif 1900 TO 1914» iNCLUfiivs $28,854,200 Ymam 36 87 88 89 40 41 42 48 44 46 46 47 48 49 Totals 42,800 6,700 22,100 6300 4,000 8300 14|872»789 104,000 21,000 11,500 4,000 2,000 13,000 8,000 • • • 5,000 6,000 14|181,889 6,100 5,000 5,000 4,000 4,000 8300 • • ■ 5,000 5,000 18,134,489 Dead 197,300 165,900 122,500 76,800 76300 57,700 25,700 23,700 36,000 16,000 8,000 12,500 1,500 1,000 11,498,599 Exposed to Risk 948,200 683,600 498,400 381,500 222,600 152,400 118,700 90,000 44,000 28 000 15^000 2,500 ^ 1,000 348,237,199 Ratbof TALTTT .20808 .24269 .24579 .20131 .26264 .25921 .16864 .19966 .40000 .86864 .84788 .83333 .60000 1.00000 187 AMfimCAN * C AN ADiAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 50 hmum JhKHM to 1000 nr F<»cb on AjumyjamAmr in 1900 $«,219,900 1000 TO 1914, Inclttsive $27,496,900 ANCE 1 2 3 4 6 7 8 9 10 11 12 IB U If 16 17 18 19 21 22 23 24 27 28 29 30 n d4 S,^6,G00 2,873,000 2,403,300 1,763,000 1,^33,700 l,265,d00 868,000 967,000 783,500 730,900 516,000 763,500 027,000 610,800 413,000 439,000 285,000 271,500 258»000 281^000 266,500 200,500 136,500 153,200 28A>000 189,600 172,700 138,500 129,300 166^000 184,800 196^700 127,300 114,000 59,100 1,899,800 1,766,000 2,030,700 1,543,100 l,4SM0O 1,046,100 M0,1OO 648,100 620,400 622,600 434,000 869,400 297,000 339,700 1,826,100 1,383,900 1,041,200 712,700 681,100 450,800 243,400 214,100 223,600 168^000 107,600 236,000 133,000 125,300 80,000 02,000 86,600 66,600 37,500 43,500 6,380,000 1,235,400 1,156,400 670,700 027,600 084,200 400,000 406,800 389,100 891,800 330,400 868,000 2sum 189,900 643,300 174,000 76,600 119,100 97,600 1,191,700 73,500 72,000 44,500 24,400 47,000 38,800 22,200 40,500 30,500 86^000 21,000 28,000 19,000 • • • 20,000 238,700 208,900 219,100 287,200 849,400 364,400 362,900 441,000 336,800 819,100 820,400 886,900 468,800 449,800 529,000 330,400 896,600 260^000 427,600 221,000 297,500 263,500 147,700 276,000 241,900 230,500 216,900 212,700 22%000 221J500 140,600 172,500 151,500 169,700 SXPOSBDSO 27,496,900 22,454,800 22,117,500 21,114,600 20ii87%600 19,182,600 18,030,000 17,028,500 16,686,300 16,991,600 14»878,600 14,117,400 13,772,900 13,403,100 12,957,600 11,937,800 9,847,700 8341300 7,057,400 6,244,200 4,319,500 3,830,700 8,418,300 8,082,700 2,790300 2,523,600 2,324,900 2,008,900 1,757,000 1317300 1,331,1 1,211,600 1,208,200 1,087,500 1,012300 B4|Bior TAUTT .00868 .00930 .00991 .01360 31417 .01821 .01966 .02131 .02643 .02106 .02146 .02270 .02802 .03498 .03471 .04431 .08866 .04742 .08627 .06846 .05116 .07766 .07709 .04870 .09677 .09586 .09914 .10797 .12106 .14890 .16632 .11604 .14277 .13931 .16760 AMERICAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT ncimY, ii Lwuu Fbios to 1900 m Fobcb on AmavsBAA&Y in 1900 $S3,£19,900 limnHi VMM 1900 TO 1914, iMCuamYm ««7,496300 Inbur- ANCE Year 86 87 88 39 40 41 42 48 44 46 46 47 48 Totds 19,100 19,000 2,000 15,000 5,000 2,000 2,600 ... 63,500 16,600 8»000 2,500 2,000 18,000 10,000 1,000 ... Withdrawn 11,000 16,100 20,000 10300 26,100 1,000 22,984,000 14,876,700 Dead 172,800 83,000 87300 87300 69,000 48,500 53,500 30,500 23,500 MOO 37,000 5,000 2,500 10367,100 Exposed to 838,400 610,200 614,600 401,100 816,100 229,000 166,500 115,000 77,000 62300 44,500 7,500 X 2,500 349,782,900 Rate of MoR- TAUVr .20611 .13602 .17003 .21816 .18666 .21179 .32132 .26522 .30519 .16288 .83146 .66667 1.00000 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSUBED AMERICAN MEN AGS AT IN111Y, U Issues Pbiob to 1900 m Force on Amiavmuja an 1800 $17,672,100 lasoBS nuai 1000 to 1914, iNCLvann |>MM^9M 1 2 8 4 i • 7 8 9 la u 13 14 15 M IT 19 20 25 27 2,691,400 2,576,100 1,883,700 1,180,100 umjm 703,400 763,200 710,800 511,500 soa^soo 410,200 497,600 466,800 40Moa 807,000 2B74S00 214,700 234,600 208.400 201,000 mjm 85,000 139^ 94,000 136,700 118^700 njmb 90,500 ,700 88,500 31,000 MM 1,819,400 1,568,400 1,769,100 1,442300 1,218^ 812,900 706,800 378,400 428,900 i68kiOO 840,900 294,600 316,300 337,800 28QUIMM) 965,700 864,200 473,200 418^ 229,000 191^000 184»600 173,700 157,900 133,000 96^ Tfjm 89,600 87,000 24,500 31,500 17,000 «M0O 81,800 5,250,600 1,040,100 934,100 711,800 8H^900 463,700 461,300 313,200 285,500 7IM00 208,500 200,700 162,400 91,500 108300 116,000 91,500 87,800 645^ 78,000 40300 24,000 82,000 89,000 89300 2B300 85,500 28,000 21,000 8,000 6,500 1300 18300 Dkad 162,600 257,700 210300 190,900 181,000 355,500 284,200 195,000 819,000 800300 310,100 221,700 316,100 362,400 428^700 875,100 368,500 327,200 236,300 298300 22l!,800 29S^800 211,900 175,000 266300 21^000 918300 118,000 161,200 118,000 171,100 153,000 104300 92,700 130,600 TO 22,342,900 17,801,700 173U,800 16,481300 15,816,600 14,345,100 13,416,400 12,727,300 12,561300 12,049,800 10,956,700 10,597,700 10,290,900 9,993,700 9388300 8,819,800 7,394,500 6,181,800 5,113,600 4350300 8306,700 8,081,100 2,734,900 2,464,800 2;169A00 1346.700 1368300 1384,600 1,217,300 1,059,100 923,600 789,700 681^200 591,000 472,800 Rate of MoA- .00728 .01448 .01201 .01168 .01182 .02478 .02118 .01532 .02542 .02830 .02092 .03072 .03626 .04418 .04258 .04983 .05293 .04621 36458 .07748 .07100 J2281 01642 .16696 .08842 .13242 .m42 .18525 Ji»74 MKt4 .16686 .27623 MO AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN ACT AT BITRT, U Imamt PUob to 1000 in Fobct on AmavmsABT m 1000 $17,672,100 nwH 1900 TO UMb hKuamrm » M,Mg.B TB4B 36 87 40 41 42 48 44 46 46 47 Emtsukd 18,600 9,500 1300 9,000 5,000 ... 17,471,198 EZIBTINO 9,500 8,000 • • • 1,000 6,000 • • • 4,000 2.000 17.813^ Withdrawn 1,000 7,500 • • • 6,000 1,000 8,000 13»tf8^ Dead 53,200 70,600 47300 54,500 32,000 ,500 29,000 13,000 10300 4,000 16,500 1,500 8|728388 TO 362,400 317,300 248,700 196,000 144,500 115,500 83,000 51,000 84,000 22,000 18,000 1,500 144 847 488 Rate of Mo]»- .14680 .22250 .18979 .279M .22146 .22944 .34940 .25490 .29412 .18182 .91667 1.00000 Iftl AMERICAN • CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT ENT&Yt &I Issues Prior to 1900 in Force on Annivebbaby in 1900 $15,941,500 Issues from 1900 to 1914, Inclusive $20,868»800 2,554,800 2,197,500 1,528,000 1,070,800 806,700 543,500 686,000 543,600 477^ ^,800 881,600 868,000 479,500 840,500 170,200 241,500 199,600 271,000 193,000 196,000 114,100 78,800 110,000 165,100 132,100 118,500 50,000 100,900 55,500 74,300 62,000 69,100 44,000 17,000 1,715,300 1,543,600 1,444,600 1,214,200 1,08^000 752,000 475,600 314,000 385,600 422^800 401,000 885,800 233,300 283,400 882,700 1,004,000 978,800 629,200 458,400 412,800 260,500 147,800 189,600 102,000 102,500 138,000 67,000 99,000 119,600 79,600 14,600 32,000 32,500 8,800 4,911,900 1,034,300 632,000 668,100 TiB^ 514,900 354,400 291,800 296,600 625^000 145,500 269,100 199,300 121,000 52M00 101,000 77,200 62,600 45,500 561,100 33,000 54,900 0,900 21,600 41,500 16,000 53,000 20,500 (^000 7,000 2,000 3,500 5,000 SaOPOSED to Risk 244,200 168,000 221,500 169,700 288,200 277,800 274,800 253,100 487,500 818,400 869,900 279,000 369,000 356,900 841,500 871400 289,700 849,100 220,200 268,500 237,200 169,000 214,900 198,000 180,400 145,500 138,000 126,500 156,700 200,500 102,100 67,000 122,800 104^ 189,600 20,868,800 16,552,200 16,003,800 15,288,700 14,267,600 18,234,900 12,497,400 11,936,100 11,763,200 11487,100 10,258,200 9,818,100 9,325,700 8,892,100 9,610,800 7,749,700 6,448,800 5,339,600 4,498,400 4,045,800 3,000,900 2406^ 2,078,600 1,862,100 1,752,800 1,585,400 1^,900 1,264,900 1,023,600 794,100 744,800 705,800 806,800 617,800 Rats or Mam- TAun _ .01170 .01015 .01384 .01114 •0U71 .02095 .02199 .02120 .04144 .02814 .08608 .02842 .03957 .04014 .08966 .04789 .04496 .06588 .04895 .06514 .07904 .08922 .09549 .07003 .08301 .08389 .08719 .12487 .19588 .12857 .08996 .17828 •28991 162 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT £NTRY, 52 Issues Prior to 1900 in Force on Anniversary in 1900 $15,941,500 IflBusa vaou 1900 to 1914, Inclusive $20,868,800 Imam- imm YmAn Exposed to Risk Moii- TAUTT 36 37 88 39 40 41 42 43 44 45 46 47 Totals 5,000 8,600 1400 7,000 86,600 • • • • • • 15,000 5,000 . • • • . • ... • • • • • • 10,500 • • • 2,000 10,000 9,000 • • • 1,000 • • • 2,000 • • • • • • • • • 49,000 107,600 51,600 4,000 27,500 16,200 15,500 1,000 5,000 8^000 1,000 2,500 387,300 325,800 190,200 137,700 128,700 72,200 41,000 19,500 18,500 11,500 8,500 2,500 .12652 .33026 .27129 .02905 .22281 .22488 .37805 .05128 .27027 .69565 .28571 1.00000 15,941,500 15,807,400 12,609,300 8,393,600 242,241,800 11 161 AMJ&RICAN - CAN ADIAN MO&TAUTY £XP£iU£NC£ 1900-1915 BASfiD ON AMOUNTS INSUKSD AMERICAN M£N AGE AT £NTRY, 53 wim»mWommmAMmiwmmuMrimWm $14380300 TO 1014, iHGLinBYB (16306,900 EXPOBBO TO Rati or MOB- XAUTT 2,109,000 2,068,700 1,668,800 1,183,400 901,500 713,900 573,100 668,900 469300 362,400 397,500 375,300 470,000 448,000 861,000 227,000 211,500 201,100 219,900 U4300 137,000 98,200 100,000 76,600 81,600 103,000 86,200 55,000 62,000 87,000 80,500 63,000 56,500 27,500 20,600 1,240,700 1,144300 1,344,400 871,500 784,500 576,200 461300 284,000 810,900 450,500 373,500 289,600 221,000 288,700 284,000 879,700 788,900 746,700 492300 289,000 122,000 163,000 168,700 94,600 09300 119,500 29,500 88,500 85,500 24300 28,000 18,000 27,200 25,000 6,000 4474300 648300 698,800 594,100 896,900 389,900 886300 264,900 280,200 540,700 161,900 138,000 I8I3OO 96,100 800,600 172,500 51,900 81,500 76^000 811,000 48,100 28,500 9,000 20,000 20,600 30,300 23,000 19,000 2,500 7300 21,000 6,000 6,000 • • • 6^000 164400 194300 208,800 192,100 203,400 169,100 261,600 267,600 841,200 305,700 266,400 386,000 82^00 46^ 877,600 321,600 354,100 327,900 228,000 208,000 159,500 235,500 199,900 290300 199,000 134,500 127,000 144,500 146,000 186300 90,200 104,000 118,100 79,200 29300 16386300 18,376,800 13,453,500 12,880,800 12,406,600 11,923,200 11301,900 11,026,700 10,889,100 10,426,600 9,492,100 9,087,800 8,640300 8,439,100 8,096,400 6,995,300 5,848,500 4,866,100 8,010,100 8,339,700 2,645,600 2,458,000 2,129,200 1361,600 1328300 1,315,800 1,134,500 1,041,200 844,200 672300 591,700 538,000 473,000 379,200 8O23OO .00015 .01452 .01515 .01491 .01689 .01418 .02274 .02427 .03133 .02932 .02807 .04247 .08708 .05402 .04668 .04597 .06055 .06740 .05706 .06246 .06029 .09581 .09389 .16678 .18065 .10222 .11194 .13878 .17294 .20168 .1^44 .19331 .24968 .20886 .00762 164 AMERICAN- CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGE AT £NT&Yt 5S Issues Prior to 1900 in Force on Annivsbsary in 1900 $14,889,800 Issues from 1900 to 1914, Inclusive $16,836,900 Tbas 1 Dm» Exposed to Risk Rate of M Ingldsivx 9Utf8M90 hasoBr Amm YmuL 36 37 38 40 41 42 43 Toteki 7,200 • • • 1,000 7,924»tM WlXHDSAWN ... 4,000 ... Dead ... 6,457, 22,500 45,000 6,000 1,909 4,000 1,000 6,176,400 76,500 61,200 16,200 9,909 4,000 1,000 1,000 139,075,509 Rate of MoB- .29412 .73529 .30864 .mil ij iiiiiiiii mil I 171 AMKRICAN * CAN AIHAN MORTAUTY EXPERIENCE 1900-1915 BASSD ON AMOUNTS INSURED AMERICAN MEN AGE AT ENTRY, 57 TO 1900 IN Force on Anniversaby in 1900 $8,635,400 Issues from 1900 to 1914, Inclusive $8,611,1200 1 2 3 4 6 7 8 9 10 U It IS 14 15 16 17 18 If 20 21 22 25 26 27 28 81 32 88 ti 1,648,400 1,006,700 1,065,900 640,700 58^700 888400 865,500 195,500 409,900 ai3»700 277,600 27:iU00 108,500 190,500 183400 95,000 75^000 114,100 118,500 65,500 71,500 85,600 82,800 64,100 20,500 16,000 45,500 85,000 8M00 184100 17,000 12,000 3,100 16^ 681,200 428,500 539,500 401,900 68&800 889,500 215,200 261,300 206,700 180,800 159,500 126,000 148,900 116,500 77,100 633,000 806^ 186,700 167,000 97,300 73,500 85^ 40,800 90,500 79,500 38,600 10,000 ujm 86^000 • • • 10,000 20,000 6,000 2,017,500 353,500 259,900 396,700 215,700 281,800 229,800 141,500 84,300 33M00 90,000 81,500 43,000 78,700 268,600 87,000 80,500 12,000 64,500 80,000 92,000 26,300 26^ 118,000 4,000 21,000 1,000 6,100 2,000 14,500 • • • 1^ • • • 1,000 102,500 87,000 119,700 211,700 204,800 177,400 164,500 222,700 346,000 282.800 expobed to Risk 287,200 302,800 258,100 20M00 191,800 288,000 197300 262,500 98,000 123,000 141,800 92,000 85,000 68,200 81,800 35,500 58^ 41,000 92,500 27,000 25,000 58,000 80400 18,000 8,611,200 7,458,400 7,596,100 7,742,900 7,878^ 7,001,200 6,541,100 6,287,600 5,857,600 5,680,600 54944»0 4,892,700 4,721,100 4,393,900 44S1400 8,777400 8,010,800 2,514,800 2,119,500 1,724,300 1,444,800 1,204,000 908^ 927,200 752,800 610,600 444,300 414,700 875,100 814,100 210,100 180,600 167,600 101,700 07,000 Rate or .01190 .01166 .01576 .02734 .02771 .02584 .02515 .03542 .05907 .04185 .06172 .04848 .06414 .05874 .04875 .06065 .07760 .07846 .12385 .05683 .08518 .U786 .00816 .09167 .09060 .13397 .07990 ^4107 .10080 .29449 .12851 .13843 .34606 .29607 .19281 173 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1015 BASED^^ON AMOUNTS INSURED AMERICAN MEN AGS AT ENTRY, 57 Issues Prior to 1900 in Force on ANNivERaABY in 1900 $8,635,400 ISBUXS ISOM 1900 TO 1914, lNCLUaiY£ $6,611>^ Inrjb- Ybar BjLf in Exposed «o Ratbof Mo»- 36 37 38 89 40 • • • • • • « • ■ • • • • • • 5,000 • • . 1,000 . • a • . . 10,000 » • • • • • • • » 11,000 2,500 10,000 8,000 48,600 32,600 20,100 9400 9400 .22634 .07669 ^51 .32967 41 • • • • • • 6,100 • • • 6,100 Totals 8,6^5,400 6,651,400 5,426,400 5,169,800 114,918,600 178 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1015 BASED ON AMOUNTS INSURED AMERICAN MEN AT ENTRY, M InuES Prior to 1900 in Force on AraaTSsaABT in 1000 $7,062,600 Iwoxa noM. 1900 to Uli, lNCuniT> |7,U7,iW9 Lnsus- 1 2 3 4 S t 8 9 10 U 12 13 14 16 IT 18 19 21 24 25 26 27 m 29 81 32 33 903,400 1,127,700 904,200 451,900 MliiM 513,100 335,200 297,000 280,300 2a7400 2iS^ 118,100 238,500 157,500 138^000 65^ 144,000 82,000 101,000 79A00 82^ 88^ 41,400 14,200 17,000 48,700 40^000 8,000 4,000 12,000 1,000 11,000 515,900 398,100 444,100 827,900 223,800 271,300 114,000 254,600 186^700 107,100 120,700 57,700 61,800 80^500 852,400 333,000 161,500 53,500 141,900 SMOO 48,500 62^500 82,000 22,000 15^000 16,000 5,000 6,000 22,500 lyooo ]%000 1,557,800 365,300 154,100 208^700 M^oo 168,500 95,500 99,900 63,500 28^^700 70,500 66,200 49,700 50,700 276^ •6,000 84,000 17,500 20,500 94,000 26^ 14W0 1^000 8,000 11,000 12,000 15,( 11/ 1,( 82,500 98,500 160,400 14M0O UMOO 215,800 145,400 155,200 249,200 280,500 819,700 163,200 283,500 251,700 227400 218400 184,800 142,800 221,800 12^400 298;fi00 78,500 131,800 33,000 4s;ooo 75400 8(M00 65,200 100,000 36,000 24,500 12,200 1^000 44,000 7,157,900 5,905,100 6,170,900 6,816^ 6^0nt600 5,569,600 5,444,600 5,267,600 5^195,500 4,407,700 4,153,400 3,921,400 3,769,000 85^800 8,166,100 2,613,300 2,236,600 1,825,300 1.5221500 903,400 881,400 647,500 609.200 4S7.800 891,400 288,200 161.200 121,200 91.700 90.600 61,000 13,000 Rati OF Mon- .01158 .01668 .02599 .04413 .02671 .02946 .04796 .07253 .03929 .07230 .06678 .06876 .07681 .05139 .06385 .12151 .08020 .21860 .08186 .15853 .05097 .07418 .14749 .17662 .16658 .34698 .22888 .20215 .18804 .17880 .72131 174 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT ENTRY, 68 Issues Prior to 1900 in Force on Annivebsa&t in 1900 $7,062,500 lasun nunc 1900 to 1914, Ingluaivs $7,157,900 Imbub- AlfCB Year DBAS Exposed to Risk Rats or mm- TALnrr 86 87 88 89 40 ... ... • a • ... • • . ... ... ... ... « • . ... ... • • • ... ... • • • 1,000 ... ... ... 2,000 2,000 1,000 1,000 um .50000 41 42 ... • • . . • . • . • 1,000 • • • ... ... 1,000 Totals 5 265^580 4^888,180 fM88,188 175 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURID AMERICAN MEN ▲GKATENT&YtM Issues Prior to 1900 in Force on Anniyebsabt in 1900 $6,892,600 IflBuss isoii 1900 TO 1914, iNCLUBiys $5,884,000 1 1,070,000 2 1,011,600 8 948,000 4 566,300 fr 4?e^eoo 6 347,900 7 246,200 8 272,200 8 198,200 10 258,700 U 188,800 12 195,100 13 226,400 14 132,800 15 148,000 18 74,000 17 87,000 18 119,000 19 33,000 20 64,000 21 84,000 22 41,800 28 11,000 24 15,000 25 61,000 26 21,000 27 15,500 MOO 6,000 30 20,000 31 3,000 32 5^000 84 8,000 415,800 312,300 446,700 446,300 SttflOO 287,200 136,500 104,200 117,300 277,300 74,600 87,400 62,000 37,300 268,000 288,200 888,900 174,400 166,500 110,900 87,500 68,800 17,500 15,000 7,000 15,000 1,000 11,000 12,000 1,000 6,000 2,000 1,328,300 209,900 163,500 174,300 801,100 189,000 160,100 141,500 63,000 217,600 115,600 92,700 16,900 73,000 184*700 67»400 84,700 77,100 51,200 39,500 21,500 68,000 6,000 15,000 6,000 5,000 2,000 3,000 7,300 • • • • • • 72,200 74,200 104,000 177,700 157,400 188,200 154,600 199,800 340,900 266^ 188,800 278300 168,200 180,500 228.000 227,100 186^700 188,700 173,300 136,200 127,500 68,000 v»jm 101,600 133,000 47,500 69,000 46^ 2,000 81,000 39,200 11,000 22,600 8,000 7,000 5,884,000 5,137,700 5,552,900 5,786,700 6^700 6,431,700 5,217,200 5,012,200 4,838,900 4,515,900 4,014,600 8,802,600 3,552,000 3,505,900 3,323,200 3,071,200 2,662,700 2,181,100 1,700,400 1,334,500 1,056,300 830,400 700,600 491,100 372,100 279,100 240,600 170,100 180,100 122,100 99,100 59,900 52,900 18,000 11,000 01227 01444 01873 03071 02884 08080 02968 03986 07045 05878 04806 07818 04786 05148 06861 07395 06284 08840 10192 10206 12070 06985 .20887 .35743 .17019 .28678 .26466 .01687 ;26889 .39556 .18364 .42722 AAAAA 176 AMERICAN -CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT £NTRYt 59 Issues Priob to 1900 in Force on Anniversary in 1900 $6,892,600 Issues from 1900 to 1914, Inclusive $5,884,000 ANCE YB4B DB4D Exposed to Bats of Man- Risk TAurr 88 87 38 39 40 ... • • • . . • . • • • • • ... • • . • a . • • • • • • • • • • • • • • • • * • • • • • • • • • • ■ • • • • • 4,000 4,000 4,000 4,000 1,000 .75000 • 41 42 • • • • • • • • ■ • • • • • • • • • • • • 1,000 1,000 1,000 • 1.00000 Totals 6,892,600 4,641,800 3,641,900 4,492,900 86,672,200 177 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1015 BASED ON AMOUNTS INSURED AMERICAN MEN AGS AT BNTRYt 40 IsBUES Prior to 1900 in Force on Anniysbsaby in 1900 $6,028,700 noM im TO 1914. iNCLuanrs • .$6,259,400 955,400 914,400 717,600 60.100 404,100 258,800 340,600 262.200 181.900 216,100 168,000 161,500 77,000 7%600 68.000 84,000 58!500 44,500 22»000 46.600 41.700 17,700 28,500 17.300 0.000 28.600 5,000 22.500 1,000 1.000 2.500 1.000 283,300 351,500 230,000 870^ SS2.600 303,000 169,500 101,500 166^600 8^700 76,000 67,000 91,900 42,000 mjm 188.700 281,700 232,500 106,500 126.500 96^000 48.600 59,500 23,000 8^500 3.000 10.000 10,000 3,000 10.000 1,000 • • • 1.000 • • • 1,275,100 319,600 124,400 120,800 187.600 101,000 109,000 44,000 127,300 274.900 90,500 48,100 23,800 28,300 181,500 84.100 25,500 12,000 17,000 68.400 66^ 10.000 8,000 6,000 5,000 8,000 6.000 • • • 5,( 1,000 • • • 52,500 91,600 71,300 217^ 117,600 141,700 144,100 265,000 279,600 286^200 152,100 186,200 260,100 313,800 190,200 218A00 171.900 166,800 220,900 130,000 67,800 47,600 66,500 69,500 76,500 60,000 18^600 4%000 87,600 16,000 20,700 12,500 18,600 2,500 Exposed 10 Risk Ratbov 5,259,400 4,603,900 4,755,600 6,047.500 4874,000 4,762,800 4,621,200 4,457,400 4,387,500 4»077,200 8,564,800 8,461,800 3,328,500 3,114,200 9,807^00 2474.900 2.096,000 1,650,900 1,308,600 1,008,700 705,800 648,000 480,700 376,400 806,400 233,700 171,700 160,700 106,700 88,700 57,700 37,000 26,500 7.600 6.000 TALTTT .00998 .01990 .01499 .04307 Mill .02975 .03118 .05945 .06373 .06996 .04267 .05379 .07814 .10076 .06776 Mm XM201 .09468 .16881 02888 .08189 .08748 .11764 .18464 .24967 .25674 .10776 .80482 .86146 .18038 .35875 .33784 .72649 m AMERICAN - CANADIAN MORTALITY EXPERIENCE 1000-1915 BASED ON AMOUNTS INSUSED AMERICAN MEN AG! AT nrniT, it Issues Prior to 1900 in Forgb on Ankxykbsast m 1900 $6,028,700 1900 TO 1914i Immmi $6,808^ Inbxje- ANCB Ymtm 36 87 Totals Entebed 6,028,700 Existing • • a • • • 3,812,800 WiTHDBAWN • • • 3.264,800 Dbao 6,000 1,000 4,210,500 to 7,000 1,000 74,977,000 Rate or MOB- TAUTT .85714 LOOOOO IS 179 iiJffiRICAN. CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED AMERICAN MEN AG£ AT ENTRY, 41 iwjn ¥moR to 1900 in Force on Annivebsaby in 1900 $2,914,400 IssrEs FROM 1900 TO 1914, Inclusive t a> 710^00 1 2 S 4 6 6 7 8 9 10 U 12 13 14 IS 16 17 18 19 SI 22 23 24 27 28 29 30 tl t4 489,100 405,400 826^700 imMo 224,300 217,700 124,300 172,100 129,900 mjm 66,000 62,500 80,000 59,800 29,000 47,000 69,000 38,000 18,000 17,000 18,000 14,300 6,000 9,700 &,000 1,000 Totals 2,914,400 224,400 185,000 149,000 111,800 192,700 76,200 150,400 54,300 71,000 511,600 40,500 21,000 81,000 19,000 80,200 165,100 80,700 57,500 19,500 88^ 20,500 9,500 30,500 • • • 16*000 10,000 6*000 • • • 1,000 15,000 • • • 6^000 1,934,200 366,600 283,800 116,400 44,100 55,400 37,500 80,500 81,500 116,200 26,000 28,000 52,000 24,000 25,000 5,600 6,000 4,000 IMOO 15,000 12,000 8,000 1,375,500 23,000 48,200 117,800 25,500 121,200 83,000 73,100 188^000 175,800 166,600 121,600 188,000 129,300 80,900 96,000 135,500 91,100 118,500 93,200 51,500 60,000 39,000 45,000 25,000 27,200 24,000 8,000 3,700 5,000 1,000 1,000 2,000 • • • 2,000 2,315^ Kkpobed lO Bisk 2,710,500 2,585,600 2,529,500 2,494,400 2,416,800 2,283,100 2,286,200 2,149,500 2,098,800 1,950,900 1,718,600 1,596,500 1,422,000 1,289^700 1,175,600 1,042,400 763,800 655,400 511,400 412,700 328,400 250,900 204,700 135,200 116^ 18^700 45,700 32,700 32,000 26,000 10,000 9,000 7,000 2,000 Rate of TAUTT .00849 .01671 .04657 .01022 .05015 .03635 .03197 .06420 .06852 .08540 .07076 .11776 .09093 .06526 .06166 .12999 .11927 .18081 .18224 .12479 .18270 .15544 .21983 .18491 .28268 .80496 .17505 .11315 .15625 .03846 .10000 1. tl AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900*1915 BASED ON AMOUNTS INSURED AMERICAN MEN AGft AT ENTRY, 42 I88T7ES Prior to 1900 in Force on AsmysaaARY in 1900 98,879,000 Issues fbom 1900 to 1914, Inclusivs fff,49ffJW9 Imsub- Ymam 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 28 24 26 27 28 29 80 81 82 88 Totab 376,400 381,400 212,200 290,500 187,100 80,500 73,500 122,700 46,500 84,500 106^ 75,000 123,000 76,700 47,000 19,000 12,000 80,000 13,500 9,000 17,000 7,000 17,000 1,000 3,000 11,000 4,000 ... 2,879,000 192,000 290,500 190,100 170,000 168,500 58,500 52,700 48,900 61,000 100,900 85,500 80,000 20,500 22,000 8|400 78,500 45,600 30,000 40,500 28,000 15,000 16^000 14,1 5,i 10,( 5,000 1,727,600 298,800 85,200 85,400 45^000 58,700 40,800 33,300 22,600 18,700 8M00 10,000 17,000 13,500 26,000 116^000 68,200 6,000 11,500 1,000 25,000 1,000 5,000 1,000 1,000 1^000 Dead 1,077,000 25,900 55,500 54,200 71,400 168,800 130,000 94,000 129,000 93,500 68,4m 77,700 108,500 89,200 118,600 127,600 71,500 149,100 38,000 36,000 32,500 90,700 16,000 15,000 10,500 15,000 14000 28,000 • • • 7,500 2,500 EkP 50 51 52 53 54 55 56 57 58 69 60 61 62 63 64 66 66 67 68 69 70 71 Totals $22,454,800 17,801,700 16,552,200 13,376,800 UMl^ 18,917,600 8,858,200 7,458,400 5,905,100 6^,780 4,808,808 2,585,600 2,264,900 1,457,700 1,271^ 886^680 207,860 186,200 171,000 99,600 34,500 11,888 Actual Deaths $1,637,062,188 88»«98,900 $208,900 257,700 168,000 194,200 95,600 138,000 87,000 98,500 74|200 81,800 43,200 55,500 38,500 sum • • • 1,000 1,000 6,000 • • • Expxctkd Deaths $281,600 242,500 244,600 216,100 28^08 207,700 183,300 167,900 144,600 187408 188,700 81,700 77,800 54,500 61,700 88^ 10,000 7,100 9,700 6400 2,800 800 $10,703,400 184 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900*1915 AMERICAN MEN CoMPABttON Actual Deaths With the Expected Deaths Calculated by thb American Men Ultimate Ratbs op Mobtalitt 3D INSURANCE YEAR Age at Entry 15 16 17 18 18 Exposed flo Risk $1,140,100 3,350,800 6,422,500 12,692,800 24,366,600 36,145,900 37,762,300 41,755,200 44424,800 48,448,300 50,587,600 52,184,400 55,191,800 64,867,200 68,784,800 66,709,100 57,952,200 56,171,800 55,721,100 Actual Deaths 66,846,600 64,828,800 68,094,800 51,339,900 49,135,000 49,505,200 48,806,600 41,728,800 87,907,500 36,062,900 34,313,000 29,185,600 26,182,700 24,866,600 22,021,700 $3,000 12,000 16,000 46,600 102,300 152,000 147,000 195,300 177,800 146,000 150,000 162,000 210,100 242,600 249,800 224,200 212,500 221,300 193,200 287,800 802^ 219,700 270,600 279,700 253,500 272,000 840,100 189,000 356,600 252,900 355,100 266,500 288,200 299,200 Expected Deaths $4,100 12,400 24,500 48,400 88^880 100,400 151,100 160,500 180,000 181,888 212,700 223,100 231,200 246,200 246^800 266,200 255,700 271,200 268,500 276^ 288,600 281,700 295,200 299,800 302,700 323,800 804,000 809,800 301,000 307,300 315,000 288,600 278,800 287,900 276,200 Age at Bmtbt 50 51 52 68 64 55 56 57 58 60 61 62 63 64 86 66 67 68 69 70 71 Totals EZPOSBDIO $22,117,500 17,511,600 16^008,800 18,468,600 11,699,000 10,643,600 9,082,800 7,596,100 6,170,900 6,662^ 4,755,600 2,529,500 2,215,100 1,563,500 1,866^700 909,600 272,800 160,900 206,200 101,600 68,880 18,000 Actual Dbai $1,514,502,800 $219,100 210,300 221,600 288,800 188,880 164,000 127,100 119,700 160,400 mjm 71,300 117,800 54,200 73,200 47,888 42,000 25,000 14,000 10,000 16^ 10,008 $9,310,600 $301,200 258,800 267,800 286,000 222,500 220,200 204,500 186,000 164,608 1^ a Kit 150,200 86,900 82,800 63,600 68,888 43,700 14,200 9,100 12,700 6^ 4,800 1,000 $10,654,900 14 186 AMERICAN . CAN A]>IAN MORTALITY £XP£RIfiNC£ 1900-1915 AMERICAN M£N Aatujjs Dba» Wm mm 4TH INSURANCE YEAR Exposed to Actual Agk at Exposed to Actual EZPBCTBO 1886^400 2^779,100 6,223,900 10,700,400 14»37^600 20,956,900 81,074,800 SM72,800 87,188,000 39,703,300 44,403,400 46,549,800 48^000 51,212,600 54,955,000 52,554,100 53,710,400 52,208,100 53,371,000 51,880,800 50,504,700 48,408,400 4i,e0^800 47,295,500 41,384,100 39,612,000 35,619,500 88|286|800 81,990,600 27,384,800 24,537,500 23,497,800 21^60U00 $11,000 17,000 37,000 52»000 91,400 m,40o 118^000 143,500 195,500 154,500 220,000 177,000 198,900 188,800 223,400 205,900 243,500 28U00 88M80 259,000 249,800 249,700 270,100 289,800 274,000 263,800 267,000 230,800 224|800 423,600 221,200 209,000 234,200 452,900 18,800 10,600 20,500 43,000 59;^ 87,600 194,600 148,4€0 161,700 174,300 195,800 206,200 216,600 228,500 231,000 252,200 246,000 256,700 257,900 287,200 283,900 288,500 294,900 298,200 804,800 328,200 307,100 314,500 303,500 SOfiJiOO 816,400 293,000 284,100 294,700 294,200 50 52 53 54 55 56 m 58 59 60 61 62 64 65 66 67 70 71 881,114,600 16,481,800 15,233,700 12,880,800 11,516,700 10,245,400 9,118,500 7,742,900 6,816,500 5,786,700 5,047,500 2,494,400 2jmjm 1,688,000 1,290,700 941,500 284,600 171,000 218^ 91,800 53,900 16,000 Totals tMIIi8i4>489 |9,ft4Mi8 1287,200 190,900 169,700 192,100 209,500 236,800 181,600 211,700 140,200 177,700 217,400 25,500 7M00 84,000 81^500 22,500 16,500 9,700 14^000 2,200 9,500 2,000 $812400 268,000 266,100 245,000 238^300 230,600 228,200 206,600 183,400 182,700 173,500 93,200 86^ 72,400 62,000 49,100 16,100 10,500 14,600 MOO 4,200 1,400 fl8,i49,8l9 196 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN or Actual Dmathb With thb ExpoonD Dmatbb Camjouul* Amnour Mam UutmAn Ra» or MoK4urr 5TH INSURANCE YEAR AOB AT EXPOBEOTO 15 16 17 18 19 20 21 24 25 26 27 28 29 30 31 82 88 84 35 86 37 38 89 40 41 42 43 44 46 46 47 48 49 $767,900 2,824,600 4,395,100 9,055,800 12,406,500 18,045,900 27,9tt^ 29,771,700 83,781,700 36,530,200 41,101,500 43,231,500 45,510,700 49384,400 4^,696,200 52,032,900 49,734,900 50,653,200 49,560,700 49,284,800 50,600,400 49,444,400 48,023,800 46,192,900 44,480,400 45,314,500 39,039,300 36,963,100 33,619,700 81.889800 80,402,400 26,231,900 23,411,600 22,054,400 20.460jQ0Q Actual Dmam turn 1,000 15,500 29,000 53,000 68,500 112,800 135,300 143,800 123,000 189,500 239,200 169,400 168,500 283,900 234,500 270,700 216,000 227,900 202,600 326,100 302,900 301,300 286,800 289,800 223,200 305,300 223,000 247,700 282^500 271,400 218,100 311,900 344,800 292,400 Expected $2,900 9,100 17,700 37,300 51,900 76,700 120,500 129,500 148,100 161,100 182,100 192,800 208,900 218,000 223,100 243,500 237,700 250,200 268,700 261,900 281,300 288,800 295,800 802,100 808,700 336,200 310,000 314,900 308,600 325,300 303,800 293,600 300,400 802,400 AoB AT 50 51 52 53 54 55 EZPOBBO TO 57 58 59 60 61 68 64 65 66 67 69 70 71 $20,376,600 15,316,600 14,257,500 12,406,500 11,167,200 9,812,200 8,782,800 7,873,300 6,091,600 5,554,700 4,874,000 2,416,800 2,101,700 1,694,500 1,189,200 873,900 278,300 142,800 228400 88,500 44,400 15,000 Totak $M3M64,i89 9i,Mib889 Actual DSATBS $288,800 181,000 238,200 203,400 120u200 2U,900 168,800 204,300 182,800 157,400 117,500 121,200 168300 91,400 104,000 36,000 18,000 1300 82300 1,000 1,000 Expected Deaths $327,700 267,600 271,200 256,700 25M00 240300 233,000 214,000 192,400 190300 182300 96300 92,900 81,400 62,000 49,500 17A00 9300 16,500 6,900 3,800 MOO $li,66^9i9 197 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN OF Actual Deaths With the Expected Deaths Calculated by the American Men Ultimate Rates of Mortality 41U INSURANCE, Y£AR EXPOMO TO Risk $577,500 1,913,400 3,633,700 7,707,700 10»77%100 15,969,300 25,163,700 27,245,800 30,892,400 d4444»200 41,004,000 43,031,200 46,236,800 46,649^ 49,554,600 47,419,800 48,276,900 48,015,400 47,536,800 48,851,100 47,701,200 46^,500 44,828,500 42,665,900 43,506,800 37,620,200 a5316,900 8^279,400 30,008,400 28,624,700 24,714,400 22,480,700 20,589,000 IMBMOO Actual DSATHB $3,000 7,000 6,000 46,000 88^ 90,500 122,600 120,900 135,300 186,000 186,000 183,700 175,000 251,900 191,400 29(^800 218,800 232,700 226,100 232,000 280,300 812,700 227,400 298,400 261,500 329,700 272,000 251,600 400,600 398,800 419,600 289,600 282,700 878,500 84l8y800 Expected DjEATHa $2,300 7,700 15,000 32,200 68,800 109,500 119,600 136,200 151,800 172,800 183,700 194,100 212,200 218^ 286,900 284,800 247,200 255,400 264,300 285,300 298,800 806,700 311,100 316,600 345,400 320,500 8244900 819,200 321,000 331,500 309,900 306,200 804,800 812,900 Age at Entbt 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 Totals ED TO Risk $19,182,600 14,345,100 13,234,900 11,928,200 10,786,800 9,434,600 8,207,300 7,001,200 5,569,600 5^1,700 4,762,800 2,283,100 1,902,800 1,703,200 l,08^p800 78M00 248,400 140,800 192,400 U4,000 48,400 15,000 Actual DSATHB $1,258,353,100 $349,400 355,500 277,300 169A00 287,800 186,000 277,800 177,400 245,800 166^ 141,700 83,000 130,000 90,200 45^ 55,200 80,600 6,000 1,000 $10,622,500 Dukim $335,100 272,800 273,800 268,400 2K!,900 251,700 238,300 221,100 191,400 208,000 198,700 100,900 91,400 88,800 61,500 48,800 16,200 10,200 15,100 9,700 4, 1, $10,776,000 198 AMERICAN . CAN ADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN CoMPABiaoN or Actual Deaths With THE Expected Deaths Calculated by the American Men Ultimate Rates of Mortality 7m INSURANGB Y£AR Age at Entrt Exposed to Risk $482,300 1,600,700 3,086,000 6,718,400 9,607,800 14,307,100 22,650,700 25,205,000 28,826,300 82,269,500 86,732,700 38,979,100 41,258,500 44,355,200 44,647,300 47,418,000 45,654,100 46,890,100 46,402,200 45,84^900 47,270,700 45,768,900 44,998,900 43,201,400 40,562,400 41,355,400 35,554,700 88,711,800 80,619,700 28,559,800 27,434,200 23,761,300 21,613,200 19,571,500 18,855,900 Actual Deaths $6,000 14,000 80,500 84,000 52,900 95,000 80,700 158,700 147,000 184,900 125,700 225,500 210,500 216,200 252,200 224,500 239,300 275,900 255,200 255,800 419,800 357,800 470,600 309,000 371,200 276,000 852,700 304,000 332,900 327,700 452,500 806,700 271,600 303,400 Expected Dkaths $1,900 6,600 12,900 28,600 41,400 62,200 99,400 111,200 127,700 148,900 164,600 175,800 189,400 207,600 218,400 284,200 233,700 249,500 258,000 267,800 291,200 299,800 312,300 320,600 322,100 352,300 826,400 888,400 827,600 330,700 344,000 323,600 819,400 814,700 329,400 Age at £ntet 50 51 52 58 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 Totals EXPOIBDTO $18,030,000 13,416,400 12,497,400 11,501,900 10,257,700 9,071,000 7,867,300 6,541,100 5,444,600 5,217,200 4,621,200 2,286,200 1,754,000 1,635,900 1,07^700 718,800 253,100 133,800 199,400 118^ 42,400 13,000 $1,198,475,800 Actual $354,400 284,200 274,800 261,600 816,500 319,300 298,000 164,500 145,400 154,600 144,100 73,100 94,000 78,400 78,400 50,500 26,000 17,100 5,000 7,000 $342,900 277,600 281,800 281,700 278,700 263,300 248,400 224,800 208,500 212A00 204,200 109,800 91,500 92,700 66400 47,900 18,300 10,500 16,900 10,900 4,200 1,400 $11,088,300 $10,960,500 199 AMERICAN CANADIAN MORTAUTY EXPERIENCE 1900-1915 AMERICAN MEN CoMPABiaoN OF Actual Deaths With the Expected Deaths Calculated by the Ambucan Men Ultdiatb Rates ow Mqbtautt tra INSURANCE YEAR 16 16 17 18 19 TO $428,300 1,41O»70O 2,712,900 6,015,500 8^673,500 13,055,400 21,059,000 28,656,100 27,829,700 30,904,500 85,203,300 38,048,200 40,028,100 48441,500 43,266^000 46,389,600 44,387,400 46,038,200 45,644,000 45|019^ 46,884360 44,566,100 43,532,700 41,142,600 89,<6MflO 89,785,200 84,600,700 32,734,200 29,867,900 27,44«p700 26^9,500 22,842,400 20,719,200 18,822,900 18^000 Actual $2,000 8,000 12,000 14,500 39,800 72,000 67,500 104,000 184,000 128,000 140,800 184,000 218,500 216,000 280,700 230,600 199,500 224,400 298,400 866^ 289,700 253,600 273,300 330,700 82(^ 817,600 275,500 288,000 385,700 88^200 891,200 819,000 284,000 307,400 866^700 11,800 6^900 11,500 25,900 37,700 57,300 92,900 104,800 121,900 138,500 158,800 174,600 187,300 206,200 218,700 237,500 236,100 256,000 266,600 277,800 AOBAT Entbt 1,400 309,300 323,000 326,700 887,900 866,200 342,200 350,300 345,900 344400 868,600 887,600 888,200 328,800 349,400 50 61 52 53 54 55 56 67 68 59 60 61 62 64 65 66 67 68 70 71 TO ACffUAI* $17,028,500 12,727,800 11,986,100 11,026,700 9,682,400 8,587,600 7,306,500 6,287,600 6,267,600 6,012,200 4,457,400 2,149,500 1,647,500 1,680,600 980,600 853,400 246,600 122,900 192,400 98^ 64,100 13,000 Totals $U5M62,700 $862,900 196^000 268,100 267,600 338,300 355,300 219,700 222,700 166,200 199,800 265,000 138,000 129,000 206,600 67,000 31,500 14,500 20,000 10,500 16^ 2,000 1,000 111,017,600 $352,300 286,600 292,800 294,200 281,100 271,200 251,100 286,000 2144»0 221,400 214,100 112,100 93,300 108,800 66^ 61,700 19,300 10,400 17,700 9,800 6,800 1,500 ,811,281,500 200 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN COMFARIHON OF ACTUAL DeATHS WiTH THE EXPECTED DeaTHS CaIjCULATEO BY TH£ AifKBiCAN Men Ui^timate Rates of Mobtautt mi INSURANCE YEAR Exposed TO $375,300 1,203,000 2,878,100 6,4^,800 7,918,400 12,123,100 19,827,500 22,481,100 26^062,200 29,98M0O 34,619,200 37,359,100 39,287,600 42,427,300 42,686,800 46,206,100 44,002,200 46,010,000 45,517,700 46^28M00 44,806,100 43,184,600 40,829,900 89,200,900 89,479,600 84,198,600 32,636,400 29,631,200 27,061,400 25,751,000 22,662400 20,878,100 18,304,100 17,968,500 Actual Dbaob $3,000 6,000 16,000 17,600 37,000 67,000 86,500 73,500 128,000 127,600 205,200 188,500 177,800 226,900 188,600 270,500 235,800 255,900 327,800 814,000 214,700 869,000 275,100 405,700 864,400 818,800 411,100 507,800 285,800 354,000 341,700 460400 811,800 437,400 429,900 DflAI AqB AT $1,600 6,400 10,200 28,600 34,800 53,500 87,800 100,300 116,700 186,200 158,900 174,800 187,800 209,600 217,800 245,800 244,700 268,700 280,400 2ULfiQ0 821,200 329,400 342,900 347,900 35S|p900 890,600 866,900 377,900 371,600 368,600 380,600 864,200 866,900 348,100 371,800 50 61 62 68 54 55 56 67 60 61 62 63 64 65 66 67 68 69 70 71 72 TO $16,686,300 12,651,500 11,768,200 10,889,100 9,164,700 8,336,400 7,152,000 5,867,600 6,196,600 4,888,900 4,387,500 2,098,800 1,569,700 1,483,800 962,700 870,100 247,100 96,900 188,400 8^200 52,100 17,000 30,000 Totak |ltl8M90,800 Actual EXPKCTXD DBAS $441,000 319,000 487,600 341,200 175,000 299,700 211,500 846,000 249,200 840,900 279,600 175,300 93,500 69,600 86,600 34,500 14,000 5,000 9,000 $12^1,200 $375,600 807,400 318,800 316,100 289,400 286,500 267,300 288,200 229,600 282,400 228,900 118,900 96,500 99,000 69,600 68,200 21,000 8,900 18,700 8,800 6,100 2,100 4,100 201 AMERICAN • CAN ADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN C OMPABIHON OF AcTUAL DSATHS WlXH THS ExFBCTED IhUXBS CaU!17I«AT1D B1 Amucaii 1I» UiAniAn Ratsb or llomdm lOTH INSURANCE YEAR 15 U 17 18 19 20 SI 36 S7 4a 41 4i 4S 46 47 48 4d EZVOUDTO $325,800 1,094,600 2,064,500 4,838,000 7,173,100 11,202,200 18,370,200 21,412,700 24,682,000 28,745,900 33,204,400 36,068,500 38,287,600 41,006^ 41,541,200 44,941,900 42,825,100 45,079,800 44,527,900 48^,000 45,313,800 43,220,800 42,260,900 39,580,200 38^469,700 8M88,000 33,816,600 31,812,100 29,126,800 26479^ 24,960,100 21,641,100 19,784,300 17,558,800 17,200,700 Actual 11,000 2,000 11,000 26,000 52,500 71,500 100,000 89,000 112,000 143,500 209,500 232,000 196,000 228,500 200,600 254,800 232,800 258,000 ^8^000 287,800 332,600 316,400 342,300 408^100 407,200 346,600 425,300 458,900 330,700 844,700 894,800 347,300 339,100 396,300 EXPBCTEO 11,400 4,700 9,000 21,200 31,600 49,600 81,900 95,900 111,300 131,900 155,400 172,400 189,100 210,100 249,900 250,100 277,700 291,200 802,400 336,200 343,200 360,100 363,300 380,500 410,500 385,800 398,900 396,700 386,900 4014X)0 878,100 375,300 363,300 Ag£ at 60 51 52 53 54 55 57 58 59 60 61 62 ExPOaKD TO 64 65 66 67 68 69 70 71 72 115^1,600 12,049,600 11,137,100 10,426,600 8,786,700 8,179,400 6,922,100 5,680,500 4,908,500 4,515,900 4,077,200 1,950,900 1,448,000 1,509,900 917,800 842,600 226,100 104,900 180,400 79,200 50,100 7,000 31,000 Actual Totab $hm,7Hjm $88^800 360,800 313,400 305,700 250,400 258,500 246,800 232,800 290,500 265,200 285,200 166,600 68,400 81,000 37,000 54,400 11,200 7,000 17,000 9,800 1,000 |11,882,8N Expected Deaths $391,600 321,500 323,300 329,300 302,000 306,700 281,500 248,800 235,800 235,500 230,900 119,900 96,200 109,200 71,900 71,600 20,800 10^ 19,400 9,200 6,300 1,000 4,500 fU,37l,a8t 202 AMERICAN * CAN ADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN CoMFAMmm or Actual with Expbctkd Deaths FiBST Fme Inburanck Ybabb Excluded Araoibd 20 21 22 28 84 25 26 27 28 29 80 31 32 33 34 37 38 39 40 41 42 48 45 46 47 48 49 50 51 52 68 54 TO KauL $577,500 2,395,700 5,662,700 12,579,700 21,798,200 35,340,100 56,838,000 78,493,000 103,049,800 129,718400 159,873,700 191,208,400 223,505,400 259,625,400 294,589^ 881,084,600 863,553,400 395,256,400 426,576,800 45^1,100 483,040,200 606,984,900 527,265,700 542,723,000 553,026,600 560,630,300 561,040,700 567,486,400 552,285,500 542,845,300 534,651,400 524,073,200 511,881,400 495,005,700 476,997,200 Actual $3,000 7,000 14,000 71,000 87,000 156,000 243,300 341,900 408,500 6K^800 645,500 876,900 888,100 1,325,600 li859,500 1,776,500 1,892,400 1,918,900 2,240,700 2, 285 , 2 2,681,800 3,230,800 3,511,100 3,843,600 4,06^100 4,316,100 4,67^700 4,415,400 5,415,500 5,996,200 6,495,400 6,763,600 7,662,000 7,370,600 7,564,600 $2,300 9,600 23^ 52,600 92,600 152,300 247,200 344,600 454,^ 674,600 713,000 856,600 1,008,000 1,191,700 1,878,700 1,582,600 1,796,000 2,023,700 2,269,400 2,53^^ 2321,000 3,122,700 3,448,300 3,766,500 4,103,500 4,451,400 4,780,100 5,117,700 5,462,100 5,808,400 6,191,300 6,571,900 6,965,000 7,316,200 7,670,100 Deviation -$700 2,600 9,300 -18,400 5,600 -3,700 3,900 2,700 46^ -17,600 67,500 -20,300 119,900 -138»900 19,200 -198,900 -96,400 104,800 28,700 24M00 189,200 -108,100 -62,800 -77,100 41,400 185300 101,400 702,300 46,600 -187,800 -304,100 -191,700 -587,000 -54,400 105,500 AoCfUlfULATED Deviationb -$700 1,900 11300 -7300 -1,600 -5,300 -1,400 1,300 47300 29,600 97,100 76,800 196,700 62,800 82,000 -111,900 -208,300 -103,500 -74,800 172,000 8ii3oa 203,100 140,300 63,200 104,600 239,900 841300 1,043,600 1,090,200 902,400 598300 406,600 -180,400 -234,800 -129,300 906 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 AMERICAN MEN GcMiiuuuKiii w AcnnFAii Warn Vifm iiHinuiicB Ysabs Excluded 55 56 67 60 61 62 es 65 66 67 68 70 71 72 78 74 75 7S 77 78 79 80 81 83 84 85 86 87 to $461,073,300 441,146,300 420,308,100 899,968,700 882,09^900 364,387,200 347,624,400 331,163,300 813,371,700 278,438,500 259,483,900 240,939,200 222,138,800 2M^480^ 186,225,800 168,189,600 152,940,700 138,543,300 111,568400 97306,000 85,081,000 73,108,600 61^^ 51,841,100 42,472,800 84,704,900 28,195,900 22,217,800 17,033,700 12,717,000 9^29^800 8,78^000 4,894,900 $7,959,900 9,087,900 9,927,800 8,801,600 9,227,400 9,759,700 10,380,800 10,653,100 10,88^000 1038MOO 11,774,600 11,627,600 12,199,400 11,401,900 11,897,700 11,062,700 10,748,200 9,953,800 10,01«i800 10,289,200 9,791,800 9,055,600 8,685,500 7,808,500 6,816,200 5^400 5,297,000 4,897,800 4,174,900 3,409,400 2,826,900 2,044^ 1,672,100 1,231,700 Dktiation $8,055,000 8,390,600 9,696,200 9,008,800 9,857,600 9,721,900 10,091,500 10,458,100 10,770,600 11,064^ 11,321,300 11,464,000 11,572,300 11,586,800 11,579,000 11,447,800 11,218,200 11,062,200 10,860,400 1(^,800 10,289,000 9,782,900 9,159,000 8,503,300 7,773,400 7,08M0O 6^S19p900 5,478,900 4,794,700 4,069,200 3,356,800 2,698,500 2JL12,000 1,656,800 1,281,000 $95,100 -697,300 -281,400 702,800 130,200 -37,800 -289,300 -195,000 486»600 26^800 -453,300 -163,600 -627,100 184,900 -861,400 -450,400 155,500 314,000 906,600 64M0O 19,800 -58,900 103,400 -182,200 -8(U00 .280,700 861,500 181,900 -103,100 -105,700 -52,600 -UMOO 67,700 -15,300 49,300 AoomniMnD -$34,200 -781,500 -962;900 -260,600 -130,400 -168,200 -457,500 -65^,500 -218,900 44,400 -408,900 -572,500 -1,199,600 -1,014,700 -1,87M00 ■2,326,500 •2,171,000 •1,857,000 -950,400 -80^200 -284400 -343,300 -239,900 -422,100 — 452^200 -2nUiOO 180,000 311,900 208,800 108^00 GOUBOO -82;M0 -16,200 -80,500 18^ AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900 1915 AMERICAN MEN Comparison of Actual with Expected Deaths Fjbbt Fvm Insur^ncs Yxabs £zci.uDjBD Attained Ags 90 91 92 93 94 97 98 99 100 Exposed TO Risk 18,820,500 2,301,300 1,489,100 871,200 517,800 320,800 169,600 90,600 36,000 9,000 4»500 817,879,839,506 Actual Deaths $842,300 666,900 471,500 296,500 171,300 156,200 78,500 40,500 27,000 4,500 4,500 8896,175,000 Expected Deaths $930,900 689,100 478,100 297,800 188400 124^ 69,700 40,200 16,500 4,500 2,500 $390,275,960 $6,900,100 -6,799,200 $106,900 Accumulated Deviations $88,600 $107,400 22,200 129,600 6,600 136,200 1,300 137,500 IMOO 154,300 -81,800 122,500 -8,800 113,700 -300 113,400 -10,500 102,900 -2,000 102,900 lOOJOO 205 AMKiUCAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 CANADIAN MEN ELEMENTARY VALUES M 15 16 17 18 Id 21 22 M XI SI 86 M .91 40 41 42 4S iS 46 47 48 49 100,000 99,657 99,302 98,935 96,166 97,761 97,347 96,926 96»502 96,077 9M64 96,264 94,819 94,409 94,003 93,601 96^ 92,806 92,408 92,006 91,597 91,178 90,747 90,302 89,841 89,362 88,863 88,341 87,796 87,216 86,607 85,962 85,278 84,560 Number Dying 4r 848 355 367 379 a9i 4^Ml 414 421 424 425 423 420 415 410 406 402 398 897 402 409 419 431 445 4il 479 499 522 548 577 609 645 684 728 775 Rats op MOKfALITf .00356 . 00370 .00383 .00897 .00412 .00423 . 00432 .00437 .00440 .00440 .00489 Mm .00432 .00430 .00428 .00425 .00429 .00435 .00445 .00457 .00473 .00490 .00611 .00533 .00558 .00587 .00620 .00657 .00698 .00745 .00796 .00854 .00917 CoifFLBTB OF Life 51.20 50.38 49.56 48.74 47.92 47.11 46.31 45.50 44.70 43.89 43.08 ^.27 41.46 40.63 39.81 38.98 38.14 87.80 86.46 35.62 34.77 33.92 33.08 81.89 30.55 29.71 28.87 28.04 27.21 26.39 25.57 24.76 23.95 23.15 50 51 52 53 54 mm uD 57 58 59 60 61 62 63 64 65 66 67 70 71 72 78 74 75 76 77 78 79 80 81 82 83 84 NUMBEB tvni 83,775 82,948 82,064 81,118 80,105 79,020 77,858 76,613 75,279 73,851 72,823 70,690 68,948 67,092 65,118 63,023 60,806 58,467 56,007 53,429 50,739 47,945 45,057 42,069 39,058 35,984 32,889 29,799 26,742 28,747 20,846 18,069 15,446 13,004 10,766 Number Dtimo 827 884 946 1,013 1,085 1,162 1,245 1,334 1,428 1,528 1,688 1,742 1,856 1,974 2,095 2,217 2,339 2,460 2,578 2,690 2,794 2,888 2,968 3,031 3,074 3,095 3,090 3,057 2,995 %901 2,777 2,623 2,442 2,238 2,014 Rate of .00987 . 01066 .01153 .01249 .01354 .01471 . 01599 . 01741 . 01897 .02069 .02258 .02464 .02692 02942 .03217 . 03518 .08847 .o«2oe .04608 .05035 05507 .06024 .06587 .07201 . 07870 . 08601 .09395 . 10259 .11200 .12216 . 13322 . 14517 . 15810 . 17210 .18707 Complete EXPECTA- opLvb e ex 22.36 21.58 20.81 20.05 19.29 18.55 17.82 17.10 16.40 15.70 15.02 14.86 13.71 13.08 12.46 11.85 11.27 10.70 10.15 9.61 9.10 8.60 8.12 7.65 7.21 6.78 6.37 5.98 5.61 5:25 4.91 4.59 4.29 4.00 8.78 CM(5) CANADIAN MEN ELEMENTARY VALUES m NUMBEB Lmm u Number Dying Rate of mortautt Complete Expecta- tion OF Life Age X Number Living \x Number Dying Rate of MoKTALrnr Complete Expecta- tion OF LiFB 85 8,752 1,779 . 20327 3.47 95 2i6 107 .43496 1.62 86 6,973 1,539 . 22071 3.22 96 139 65 .46763 1.49 87 5,434 1,301 . 23942 3.00 97 74 37 .50000 1.35 88 4,133 1,072 .25938 2.78 98 37 20 .54054 1.20 89 8,061 869 .28068 2.58 99 17 10 .588^ 1.08 90 2,202 668 .30336 2.39 100 7 5 . 71429 .79 91 1,534 502 .32725 2.22 101 2 2 1.00000 .50 92 1,032 364 . 35271 2.06 93 668 253 . 37874 1.90 94 415 169 .40723 1.76 207 AMfiRHCAN-CANADIAN MORTALITY INVESTIGATION CANADIAN MEN C^^^ COMMUTATION TABLE 3% 9 15 64186 . 20 1646310.35 8S914113.85 le 62102.95 1582124.15 32267803.50 17 e0079.84 1620021.20 80686879.86 u S8Ut.89 1469941.86 29166668.16 19 68206.11 1401827.97 27706716.29 20 54351.58 1345622.86 26303888.32 21 52551.36 1291271.28 24958265.46 22 50804.67 1238719.92 28666994.18 21 49111.60 1187916.26 22428874.26 M 17412.69 1188808.66 212M668.01 26 45886.91 1091331 . 06 20101555.36 26 44354.26 1045444 . 15 19010224.30 27 42873.30 1001089.89 17964780.15 28 41443.18 958216 . 59 18963690.26 m 918778.41 16006478.67 AA 10 88727.99 8716711.29 15088700.26 u 37439.20 887983.30 14211988.97 36194.18 800544 . 10 13374005.67 — io4o4y . lZt>fO40l .Of M 88826.48 729869.82 U80»m.66 26 82897.41 696684.14 11079782.08 S6 81808.94 662886.78 10884217.89 •7 0791 QQ1 1 c 88 29513.30 600689.72 9090148.37 88 28513.18 57U76.42 8489468.66 40 276a. 87 648668.24 7918282.28 «1 26696.68 616121.87 7S7S618.99 48 25677.78 488625.24 6860497.12 48 24783.44 462847.46 6371971.88 44 23912.84 438064.02 6909124.42 46 28063.28 414151.68 5471060.40 4t 22286.18 891068.40 6066908.72 47 21426.78 868868.22 4666820.82 48 20687.17 847426.44 4296967.10 48 19865.05 326789.27 3949540.66 908 AMERICAN-CANADIAN MORTAUTY INVESTIGATIC»i CANADIAN MEN C^*^ COMMUTATION TABLE 3% Am m lis 50 19109 . 67 306924.22 3622751.39 61 18869.98 287814.66 8816827.17 62 178M.81 269444.62 8028012.62 53 16933.41 251799.81 2758568.00 54 16234.90 234866.40 2506768.19 55 15548.54 218631.50 2271901.79 5fi 20.^082 fifi 2053270.29 •7 14209.66 188209.27 1860187.88 68 18666.48 178999.71 16619^.06 59 12911.01 160444.23 1487978.35 60 12275.61 147533.22 loZ / 0o4 . IZ 61 11648.96 135257.61 1180000 . 90 62 11030.97 128608.65 1044748.29 68 64 10121.89 112677.68 921184.64 9820.162 102166.287 808666.962 65 9227.402 92336 . 125 706400.675 ft64.q 4QQ Q9108 79.^ 614064.550 67 8068 . 945 74465.224 530955.827 88 7604.816 66898.279 466490.808 69 6960.880 68891.964 890094.824 70 6408.202 51941.584 331202.360 71 5878 958 45533 382 279260.776 72 5363.917 39654.424 233727.394 73 4864.646 34290.507 194072.970 74 4882.888 2942fiu861 169782.488 76 8920.284 25043.028 130856.602 76 3478 . 737 21122.739 105313.579 77 3060.098 17644.002 84190.840 78 2666 . 185 14583.904 66546.838 79 2298.824 11917.719 51982.984 80 1969.047 9619.096 40046.216 81 1648.614 7660.048 30426.120 82 1368.244 6011.434 22766.072 83 1118.375 4643.190 16754.638 84 898.9383 8624.8151 12111.4476 AM£EUCAN4;ANADIAN MORTALITY INVESTIGATION CANADIAN MEN ^"^^^ COMMUTATION TABLE 3% Agb OO 709.4850 2626.8818 8686.6826 86 648.8064 Itlg MMg 09DU. lOUl 87 416.2227 1*67.5914 4044.3539 OO 806.6128 952.3687 2676 . 7625 89 220.4704 645.7564 1724.8938 90 153.9810 425.2860 1078.6874 91 104 . 1449 271.8060 668.8614 92 68.02288 187.16006 882.04638 98 4S.74788 99.18720 214.88630 M 26.78892 56.38932 115.74910 95 14.83880 30 . 60540 59.35978 96 8.140315 15.766605 28.764876 97 4.207469 7.626290 12.967770 98 2.042461 8.418881 6.361480 An .ilMKl l.STVSm 1.9426587 .3642299 .4652645 .5662991 101 .1010346 .mmm^...—..^—^— .1010346 .1010346 310 AMERICAN-CANADIAN MORTALITY IN VESTIGATKttf cm CANADIAN MEN COMMUTATION TABLE 37c 16 16 17 18 19 21 22 23 24 25 27 29 30 31 82 84 35 36 37 88 40 41 42 43 44 46 46 47 48 49 Cx 218.7468 214.7808 215.5738 216.1384 216.4872 217.1699 216.0685 213.3172 208 . 5799 202.9824 196.1429 189.0794 181.8869 173.9820 167.2666 160.7948 154.5581 149.6794 145.6869 142.8641 141.1183 140.3579 140.1725 140.6103 141.8227 142.5638 144 . 1907 146.4434 149.2597 162.68U 156.3525 160.7719 165.5272 171.0438 176.7880 M: 16285.4090 16021.6627 15806.8819 15591.3081 15376.1697 16168.6826 14941.5126 14725.4491 14512.1319 14303.5520 14100 18904 18715 13533 13359 .5696 .4267 .8473 .9604 .9784 13192.7118 13031.9170 12877.8689 12727.6795 12581.9936 12439.1295 12298.0112 12157.6533 12017.4808 11876.9705 11735.6478 11593.0840 11448.8933 11302.4499 11168.1902 11000.6091 10844.2566 10683.4847 10517.9575 10846.9187 658520.6074 642285.1984 626263.5357 610456.6538 594865.3457 579490.1760 564881.4985 549389.9809 534664.5318 520152.3999 505848 491748 477848 464128 450594 .8479 .2783 .8516 .5043 .5439 437234.5655 424041.8537 m009.9867 398132.5778 385404.8983 372822.9047 360383.7752 348085.7640 885928.1107 328910.6299 312033.6594 300298.0116 288704.9276 277256.0343 266968.6844 254800. 243799. 232955, 222272, 2U764, 3942 7851 5285 0438 0868 311 AMERICAN CANADIAN MORTALITY INVfiSTIGATION 1900-1915 CANADIAN MEN C**^*^ COMBfUTATION TABLE ' 3% MmBt M Cx Mx no XOO . luUU 1 A1 TA 1 OAT lUl /U. loOT 201407.1726 51 190 . 0713 9986 . 9807 191237.0419 52 197.4778 9796 . 9094 181260.0612 53 WW. 4010 171468.1618 M 98M.1267 161868.7202 221 fifiSQ «7ioU.t>o4o 152459 . 5935 6S 230 . 9126 8958 . 6504 143278 . 9592 57 240 . 2132 8727 . 7378 134320.3088 58 £rx«7 . \JO\J£i QAQI fi.OAit o4o f . O^D 125592.5710 59 117106.0464 60 260 mil 1 «rfo.02SfiSB 10o5d7 . 1720 ei 278.7021 7709.4211 100888 . 6498 288.2921 7430.7190 93179 . 2287 68 297 6904 7149 AOdQ o574o . 5097 •A 306 735^ 76606.0828 65 315 1439 wOoO.UUvf TITAI 04A0 7l7fll.o468 66 67 822.80W 6222.8668 65223.3456 S29.6126 6900.0548 68 835 3f524 AAOO OOf U.44Z^ 59000.4888 oolOO . 4340 69 339 7399 i>9Qf^ A7Qi2 A TCOA AA1 O 47tts9.891o 70 342 5969 42894.9120 71 343.8088 4662.7480 87I99.6721 72 848.(M14 4806.9642 88846.8291 7S 610.1196 8865 8928 28637.8949 74 884.8976 3525.7735 24772.0021 75 827.3645 3190.8759 21246.2286 78 317.3161 2863.5114 18066.8687 77 804.7838 2646.1968 16191.8418 78 289.9062 2241.4116 12646.6460 19 2n.6276 1961.5063 10404.2345 80 288.3732 1678.8787 8452.7282 81 232.3517 1425.5055 6773.8495 82 210.0178 1193.1588 6848.8440 8t 186.8672 988.1860 4186.1908 84 168.2666 796.2688 8172.0542 2U AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 CANADIAN MEN C^^^ COMMUTATION TABLE 3% Agk 9 85 140.0150 633.0029 2375.7854 86 117 5980 492 9879 1742 7825 87 96.51649 375.38992 1249.79460 88 77.21146 278.87848 874.40468 89 60.06797 201.66197 596.58126 90 45.35122 141 . 59400 393.86928 91 33.08865 96.24278 252.27528 92 23.29375 63 . 15413 156.03250 98 16.71887 39.86038 92.87837 94 10.19418 24.14161 68.01799 95 6.266286 13.947381 28.876482 96 3.695750 7.681095 14.929101 97 2.042461 3.985345 7.248006 98 1.071877 1.942884 3.262661 99 .5203284 .8710069 1.8197773 100 .2625866 .8506785 .4487704 101 .0980919 .0980919 .0980919 213 I AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 CM (5) CANADIAN MEN VALUES OF A, m An Agb X 15 9fC9 tkA 45 17.96719 476.98 16 26.47583 2i7.69 46 17.58872 487.71 17 2B.80028 268.10 47 17.21459 498.60 OK lOOAQ OCO OA ^bo.J9 48 16.83498 509.66 1Q 0I70 CC 49 16.45046 520.86 20 50 16.06120 582.20 21 24.57161 284.82 61 16.66770 548.66 22 24^8201 288.84 52 15.27047 555.23 9Q OOK >IA 53 14.87000 566.89 Ad.«looOO QA1 OA 54 14.46676 578.64 ^o. 1 ooUO QAT OA 55 14.06122 590.45 26 23.57032 313.49 56 18.65884 602.82 27 2a.a4d96 aio.90 67 18.24626 614.22 28 68 12.83612 626.13 fin 2SUH8M 59 12.42693 638.05 Sin o40.o5 60 12.01840 649.95 31 22.38251 348.08 61 11.61113 661.81 32 22.11803 355.79 62 1L20660 678.62 33 21.84462 363.75 68 1OJ0256 686.86 M 21JCMS 871J7 64 10.40271 697.01 16 21.27184 380.43 65 10.00673 708.54 36 20.97323 389.13 66 9.615171 719.95 87 20.66697 398.05 67 9.228620 781.21 38 20.35319 407.19 68 8.847747 742J0 88 20.06201 416J4 69 8478201 758.21 40 41 19.76657 426.11 70 8.105485 763.92 19.36794 435.89 71 7.745145 774.41 42 43 19.02521 445.87 72 7.392811 784.68 18.67567 456.05 73 7.048921 794.69 ia61958 1 466.42 74 6.718888 80146 3% Agb M 75 6.388063 813.94 76 6.071956 823.15 77 5.765829 8.S2 06 78 5.469952 840 68 79 5.184719 80 4.910089 856.99 81 4.646356 864.67 82 4.393539 872 03 83 4.151729 879 08 84 3.921109 885.79 85 8.701110 892.20 86 8.491942 8^8.29 87 3 293634 904 07 88 3.106101 909.53 89 2.928994 914.69 90 2.761938 919.56 91 2.606072 924.12 92 2.467410 928.42 93 2.319114 932.45 94 2.186996 936.30 95 2.062525 939.93 96 1.936854 948.59 97 1.812660 947Ja 96 1.678878 951.26 99 1.510665 956.00 100 1.277392 962.79 101 ismm 970.87 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 CM (5) CANADIAN MEN NET ANNUAL ?B£M1UMS PEE %\jm Acs Whou Lira KK-PAmnr Lna Iff-PATMBMT Ln SO-Patmbnt KKYbab Endowmbit Khimiwiuht 20-Ybab Emsowmbit 16 $ 9 86 $29 25 $21 10 $17 08 $86 53 $54 28 $38 38 20 1127 32 33 23 32 18 88 86 78 54 48 38 56 26 12 92 35 63 25 70 20 82 86 81 54 51 38 64 80 1605 8949 28 52 2815 86 81 54 60 88 84 86 17 88 44 21 82 01 26 08 8708 55 01 8944 40 2163 49 78 36 22 29 70 87 70 55 87 40 58 46 26 56 56 26 41 26 34 18 88 83 57 38 42 54 60 33 14 63 81 47 39 39 89 90 77 59 93 45 82 66 41 99 72 69 55 08 47 42 93 99 64 15 51 19 60 54 08 83 46 6514 57 85 99 29 71 09 59 88 66 70 81 9716 79 04 72 88 108 00 82 43 78 78 70 94 25 116 67 9927 96 OS 12229 100 82 96 27 I AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 CANADIAN MEN ~ C"^*^ TERMI NAL BESERVES PE R $1,000 3% ORDINARY LIFE 15 20 26 85 40 45 50 66 70 i 26 80 70 1st Ybab $6 75 7 52 894 1127 14 04 17 03 20 52 24 50 28 97 88 89 8918 44 46 3ro Ymut $20 54 28 01 2788 8608 43 19 52 17 62 49 74 17 8718 10117 115 82 130 35 &7M $34 75 8987 4818 0088 73 73 88 63 105 58 124 52 146 28 16788 190 00 211 88 lOXH YSAB 172 75 105 59 129 61 155 82 184 86 216 96 25171 28886 826 58 361 62 394 23 loTH Year $117 40 140 80 17158 206 76 244 96 286 36 330 72 876 96 428 56 468 48 509 32 543 38 2arH Year $170 66 204 15 244 96 290 51 338 98 390 04 442 75 496 84 546 70 591 45 630 14 659 25 SOra Ybab 1299 89 85127 408 77 469 10 529 58 588 63 644 26 694 29 786 79 770 19 793 89 842 40 10-PAYMENT LIFE IST 3rd lOn Ykar Ykar Ymm Ybab 16 $26 79 $82 78 $142 m $307 29 19 2980 90 65 156 09 340 65 26 30 32 43 100 76 173 99 380 43 36 56 113 53 195 79 426 11 36 4127 127 78 219 83 476 98 40 4619 142 85 245 52 582 20 46 5138 168 68 27224 600 45 60 6641 174 01 298 69 649 95 16 in 07 188 21 323 09 708 54 t» 64 85 199 73 343 16 763 92 66 70 67 26 206 91 356 10 813 94 67 81 208 07 ^^58 86 856 99 15-payment life ^8T $18 86 19 98 22 17 25 21 28 65 8214 86 76 89 33 42 65 45 54 47 92 49 98 ^BD $56 57 61 71 68 87 78 30 88 58 9916 11002 120 58 130 21 138 25 144 28 148 56 $96 90 106 16 118 98 134 99 15218 169 94 188 06 205 49 221 06 233 52 241 90 246 82 I9m Ybab $208 62 231 57 260 28 293 08 82816 864 86 40178 436 84 467 44 490 51 502 96 602 64 UtB Ybab $340 65 380 43 42611 476 98 61820 590 45 649 95 708 54 763 92 813 94 892 20 AMERICAN CANADIAN MORTAUTY INVESTIGATION 1900-1915 cm 16 20 25 30 35 40 46 50 55 60 65 70 CANADIAN MEN TERMINAL RESEBVES PER $1,000 3% M^PAYIONT LIFE Abb IST Ybab 8bo Ybab 5th Ybab 10th Ybab 15th Year Ybab 15 $14 21 $43 68 $74 66 $160 00 $260 77 $380 43 to 1689 4746 8156 177 81 292 17 426 11 26 1712 68 21 9196 20124 328 95 476 98 80 19 66 6106 105 25 227 98 369 88 582 29 85 22 52 69 53 119 23 255 85 41169 59046 40 25 40 7817 133 63 284 47 454 64 649 95 46 60 28 42 87 13 148 35 312 79 496 25 708 54 - 8152 9614 162 85 339 36 533 94 763 92 66 84 66 10601 176 74 362 69 564 86 813 94 60 87 86 118 82 189 96 88184 58688 856 99 66 4184 122 98 203 06 897 20 596 88 892 20 70 45 30 133 17 217 22 41103 597 46 919 56 10- year endowment Iflv Ybab SbbYbab fiB Ybab 15 $86 99 126641 $468 89 20 85 62 266 62 467 87 25 85 39 265 16 457 68 30 85 50 265 47 457 96 36 85 62 265 54 457 78 40 85 46 264 97 456 83 46 86U 268 88 454 99 60 8446 261 77 46178 55 88 88 258 32 44648 60 81 53 252 81 437 83 65 78 83 244 37 424 43 70 75 02 232 09 404 28 Itni Ybab $1,000 00 1,00000 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,00000 1,000 00 1,000 00 1,000 00 15- YEAR ENDOWMENT l8T 3rd 5th lOrn Ybab Ybab Ybab Year $52 65 $162 98 $280 46 $609 92 52 21 161 78 278 85 608 87 51 97 161 40 278 62 608 99 52 18 162 04 279 49 609 33 52 45 162 50 279 81 608 81 62 49 162 45 279 44 607 29 6848 16218 278 49 604 45 52 37 16188 276 66 599 58 52 14 160 09 273 68 59166 51 81 158 22 269 14 579 84 51 54 155 99 263 25 561 10 6162 15419 256 96 536 14 15th Year $1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 310 217 AMfiRlCAN-CANADIAN MORTALITY INVESTIGATION 1900-1&15 CANADIAN MEN TERMINAL RESERVES PER $1,000 3% IS 20 40 $36 23 35 75 35 55 35 89 36 34 55 60 65 70 a7 09 37 69 38 59 40 00 42 25 45 §7 20- YEAR ENDOWMENT $112 01 110 67 110 42 11144 112 44 US w 114 15 115 45 117 42 120 63 125 93 mm 8m Ybar $192 53 190 64 190 67 192 IS 196 S5 1S4 22 195 24 196 54 198 56 202 10 20644 216 87 IOth Ykar $417 70 416 15 416 67 41622 418 76 418 63 417 88 416 39 414 26 412 16 4U6S 416 28 15th Ywrn $684 18 683 68 668 81 683 22 68128 677 75 671 92 662 87 64960 61416 SOtb YcAm 000 00 00 00 000 00 000 00 000 00 000 00 00000 00000 00 000 00 AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 £M(5) CANADIAN MEN MEAN BESEBVES PER $1, ORDINARY LIFE Abe In Ybab fln> Ybab 6th Year 10th Year 15th Year 20th Year 16 $8 31 $22 00 $3610 $73 67 $117 54 $169 93 $297 76 20 940 24 78 40 86 66 80 140 67 20616 84904 26 10 96 2948 49 46 10694 17109 248 SO 40671 SO 1816 36 52 6144 129 88 206 28 289 44 467 60 35 15 96 44 76 74 95 156 25 244 75 338 39 529 21 40 19 33 54 12 90 25 185 80 286 89 390 49 590 12 45 23 54 65 20 108 03 218 95 332 63 445 00 648 47 50 28 82 78 27 128 47 255 57 381 21 500 46 702 31 66 86 46 98 68 16176 296 26 48148 66611 749 96 60 48 9S 11144 177 96 SS782 48197 60707 79026 66 70 64 97 69 36 132 20 156 27 207 03 238 91 380 76 424 41 6^01 576 94 664 66 696 07 828 08 875 14 1«-PAYM£NT LIFE Am IST 3rd 5th 10th Yeab Ybab Ybab Ybab 16 128 02 18817 $14161 IS04S0 20 80 82 9124 156 62 337 07 25 34 03 101 20 173 18 376 20 30 38 03 113 71 194 64 42133 35 42 74 127 92 218 57 471 70 40 47 99 143 21 244 35 526 53 46 68 60 16947 27162 684 66 60 6011 17610 296 96 64400 65 66 88 192 33 325 19 702 78 60 74 16 207 28 348 42 758 57 65 82 21 220 10 366 65 809 20 70 9174 230 37 378 13 852 99 15rPAYM£NT UF£ Age lar 3rd 5n Ymm lOni Ybab I9m Ybab 15 $19 73 $57 44 $97 23 $207 28 $337 07 20 21 65 62 79 106 53 229 80 376 20 25 23 94 69 84 119 09 258 05 42133 30 26 87 79 07 134 85 290 51 471 70 86 8088 8988 162 02 826 62 626 68 40 8418 100 29 17012 862 38 684 66 45 38 51 11186 188 94 399 87 644 00 50 43 36 123 75 207 72 436 14 702 78 55 48 87 135 67 225 67 468 95 758 57 60 55 34 147 50 242 10 495 82 809 20 65 68 48 169 66 256 91 514 63 862 99 70 7460 178 68 27163 624 82 86900 316 21ft I AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 CANADIAN MEN MEAN RESERVES PER $1,< 3% AMERICAN CANADIAN MORTAUTY INVESTIGATION 1900-1915 CANADIAN MEN (^M(S) MMN RESERVES PER $1,000 3% 2t-PAYMENT LIFE 20- YEAR ENDOWMENT 3rd 5th IOth 15th 1st 3rd 5th 10th 15th 20th Ywat Year Year Y'ear Ymam Year | 1 Am Year Year Year Year Year Yhab 15 $15 65 144 76 17686 016847 1268 62 987080 16 187 81 $11197 $19128 $412 86 $674 88 $985 44 20 1714 4877 tt84 110 04 28041 42188 20 8716 110 98 18860 41181 674 26 986 44 IB 18 S7 §444 92 61 200 00 325 82 47170 25 8710 110 70 189 69 412 08 674 64 986 44 m 21 41 62 11 105 61 226 52 365 96 526 53 30 37 37 111 66 191 09 413 57 675 04 985 44 35 24 30 70 66 119 68 254 50 408 31 584 55 35 37 89 112 85 192 54 414 52 674 69 985 44 40 27 55 79 66 134 45 283 51 451 61 644 00 40 38 62 114 08 193 97 415 12 673 46 985 44 45 31 30 89 39 149 98 312 76 494 08 702 78 45 39 82 115 91 195 98 415 62 671 12 985 44 50 35 71 99 80 166 99 841 06 688 46 768 67 60 4176 118 72 198 97 416 19 667 26 985 44 56 4104 11106 188 44 88788 60787 88080 66 44 80 12817 208 72 41788 66146 986 44 €0 47ii 11174 18088 801 80 688 00 86299 00 49 94 180 87 21162 ^61 668 72 96644 65 8711 139 11 219 58 414 45 612 05 889 00 65 57 99 141 95 224 75 428 31 645 39 985 44 70 7017 158 96 243 97 439 98 625 32 917 13 70 70 42 159 79 245 53 444 79 640 28 985 44 10- YEAR ENDOWMENT te Srd 5th IOth Ymm Ybab Ysah Yhab 16 $868 86 $468 25 $986 44 20 8020 263 19 452 36 985 44 25 86 10 262 85 452 10 985 44 30 86 16 263 13 452 44 985 44 35 86 35 263 36 452 46 985 44 40 86 58 263 21 46191 986 44 46 88 97 882 88 410 70 88544 60 8761 28800 44881 986 44 56 260 83 445 49 985 44 60 90 41 258 90 440 24 985 44 65 93 42 256 25 432 32 985 44 70 98 66 253 27 42116 98644 15.YSAR ENDOWMENT Ag£ te Urn YmuL It $53 47 $162 11 $277 77 $601 87 $985 44 20 53 35 161 19 276 34 600 82 985 44 25 53 24 160 83 276 07 600 95 985 44 80 53 39 161 42 276 94 60148 986 44 85 68 78 162 06 277 62 60110 805 44 40 5418 162 48 277 67 000 20 98544 46 64 98 168 01 27765 598 25 985 44 50 5615 163 73 277 39 594 87 985 44 55 58 15 164 86 276 94 589 42 985 44 60 61 45 166 92 276 64 581 18 985 44 65 66 99 170 96 277 43 569 70 986 44 70 76 22 178 90 28161 66686 986 44 220 221 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 ^ 15 1< 17 18 19 W 21 22 23 25 26 27 30 31 32 35 36 37 38 4S 4i 45 46 47 48 CANADIAN MEN COMMUTATION TABLE 59689.06 67472.78 55331.45 53262.76 51264.46 49184.88 47469.99 45670.41 43935.16 42263.74 40654.69 87618.60 36188.08 34813.14 33491.24 32220.30 28690.47 27699.67 26547.81 25632.72 24552.68 .07 22691.36 21807.13 20952.04 20124.60 19828 .44 18547.29 17794.96 17065.15 16366.87 15668.88 1396302.36 1336613.30 1279140.52 1223809.07 U705M.81 1119281.86 1069947.47 1022477.57 976807.16 932872.00 819968.57 810846.61 773228.01 737039.93 702226.79 668785.55 686615.25 605516.89 676694.36 547003.89 519404.22 492856.41 467828.69 442771.01 419164.94 396473.68 374666.45 868714.41 888689.81 314266.37 296719.08 277924 . 12 260868 . 97 244502.10 3V2% 27140389.98 26744087.62 24407474.32 28128888.80 21904524.78 20733978.42 19614696.57 18644749.10 17622271.63 16545464.87 16612592.87 14721984 . 11 13872030.54 13061183.93 12287955.92 11550915.99 10648689.20 10179953.65 9643438.40 8937921. a 8362227.16 7815228.26 7296819.04 6885638.94 5892867.93 5473702.99 5077229.41 4702662.96 4848848.66 4016268.74 3700992.37 3406273.29 8127849.17 '888 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900-1915 CANADIAN MEN C"^^) COMMUTATION TABLE 3V2% • mJx 60 228838.27 2^988.10 15000.20 61 14349.87 213833.07 52 13716.85 199483.20 2179321.76 53 13100.22 185766.35 1979838.56 54 12499.16 172666.13 17940^21 66 11912.91 160166.97 1621496.06 56 11340.80 148254.06 14OIZ09.JJL 57 10782.08 136913.26 1312985.06 68 10236.08 126131 . 18 1176071.79 59 9702.324 115895.102 1049940.608 60 9180.270 106192.778 984045.606 91 ttMtt KK9 911112. OMD oiTfllfliS. lAO 62 8169.961 88842.956 7806^.220 63 7681 . 193 80172.995 6^97.264 64 7203.087 72491.802 662324.269 65 6735.601 65288.715 489832.467 66 00000.114 *±£^!ytO . 1 O^ 67 6888.207 52274.217 865990.638 68 6898.816 46441.010 81S116.421 69 4976.144 41042.194 267275.4U 70 4565.806 86066.050 226233.217 71 4168.487 31500.244 190167.167 72 3784.923 27331.767 158666 . 923 78 8416.041 28546.884 181835.166 74 8062.889 20180.796 107788.882 76 2726.360 17067.954 87657.639 76 2407.598 14341.594 70589.585 77 2107.632 11933.996 66247.991 78 1827.455 9826.364 44313.996 79 1667.910 7998.909 84487.681 80 • 1329.826 6480.999 26488.722 81 1113.694 6101 . 173 20067.723 82 919.8296 3987.4786 14966.6601 83 748.2177 3067.6491 10969.0716 84 598.50U 2819.4814 AMfiBlCAN^^ANADIAN MORTALITY INVESTIGATION 1900-1016 CANADIAN M£N COMMUTATION TABLE V/2% m 88 89 90 tl 94 95 96 97 100 101 Di 470. 861.8876 272.4640 200.2233 143.2756 99.58814 87.02768 48.68788 27.24733 16.36617 9.367028 5.U8770 2.880878 1.270718 .5640976 .2244208 .0619519 1720.9808 1250.8440 888.9765 616.5125 416.2892 278.01867 178.48048 106.40285 62.83486 36.68753 19.232367 A M88fi8 4.761668 2.121183 .8604703 .2863727 .0819619 5581.9910 3861.0607 2610.2167 1721.2402 U04.7277 888.48846 416.42489 241 . 99446 135 . 59161 72.75676 87.169223 17.988886 8.071687 3.819978 1.1987949 .3483246 .0819619 284 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1000-1015 CANADIAN MEN C^*^ COMMUTATION TABLE 3V2% hem » jyix IVx 15 197.8101 12471.1072 478511.4127 16 197 . 8073 IzZTo . 2971 4ddU4U . oUoo 17 197.5785 12075.4898 453767.0084 18 197.1390 11877.9113 441691.5186 19 196.5033 11680.7723 429813.6073 20 186.1706 11484.2680 418132.8860 21 194.2284 11288.0984 Ati^itAQ lEiSCA 4aIod4o.OOOU 22 190.8333 11093 . 8700 395360.4676 23 185.6938 10903.0367 384266 . 5976 24 179.8376 10717.3429 373363.6609 26 28 172.9883 10537.5054 362646.2180 166.9061 10864.6871 oOZIUo.iIjSd 27 158.3866 10198.6620 341744.1455 28 151 . 1867 10040.2754 331545.4835 29 144.6490 9889.0887 321506.2081 30 138 3806 9744 4397 311616 . 1194 81 132.3707 9606.0591 301871.6797 82 127.6781 9473.6884 282266.6206 88 128.6696 98^.1168 282791.9822 34 120.5907 9222.5458 273445.8169 35 118.5416 9101 9551 264223.2711 36 117.3332 8983.4135 255121.3160 37 116.6122 8866.0803 246137.9025 88 116.8286 8749.4681 287271.8222 89 116.4869 8688.1886 2281^.8641 40 116.8910 8516.7036 219889.2146 41 117.6538 8399.8126 211372.5110 42 118.9147 8282.1588 202972.6984 48 . . 120.6161 8168.2441 194690.5396 44 122.7044 8842.8288 188687.2866 45 125.1298 7919.9236 178484.6675 46 128.0452 7794.7937 170564.7439 47 131 . 1956 7666.7485 162769.9502 48 134.9131 7535.5529 155103.2017 48 188.7884 ' 7400.6886 147667.6488 286 AMfiRICAN'CANADIAN MORTALITY INVESTIGATION £M(5) 51 64 56 66 67 68 61 62 63 64 66 67 68 70 71 72 78 74 75 76 77 78 79 80 81 82 CANADIAN MEN COMMUTATION TABLE 84 143.0697 147.7590 152.7751 168.0681 Itt.e726 169.2570 175.2142 181.3909 187.6064 198.8666 200.2741 206.4175 212.4887 218.3558 228.8087 233.8602 237.1326 240.1037 242.0627 242.8190 242.6007 240.8898 237.6840 232.9044 226.5656 218.6604 208.9047 197.7467 185.0631 171.1621 156.2031 140.6066 124.4144 108.1767 7261.8734 7118.8037 6971.0447 6818.2696 6660.2065 6496 . 6339 6327.3769 6152.1627 6970.7718 6788.1664 5589.2098 5388.9357 5182 . 5182 4970.0295 4627.7700 4298.8401 4065.4799 3828.3473 3588.2436 8846.1809 8108.2619 2860 . 6612 2619.7714 2382.Q874 2149.1880 1922.6174 1704.0670 1495.1623 1297.4156 1112.3525 941.1904 784.9878 644.4807 520.0663 3V2% 140167.0090 182906.1856 126786.8819 118816.2872 111997.0176 105336.8111 98840.1772 92512.8008 86860.6876 80889.8658 74606.7004 69017.4906 63628.5549 58446.0867 68476.0072 48724.3335 44196 . 5635 39897.7234 35832.2435 82008.8962 28416.6^ 25069.4717 21966.2098 19105.5486 16485.7772 14108.6806 11964.6068 10031.8894 8327.8224 6832.6601 5535.2445 4422.8920 8481.7016 2696.7143 2052.2336 226 AMERICAN-CANADIAN MORTAUTY INVESTMSATION 1900-1915 CM (5) CANADIAN M£N COMMUTATION TABLE V/2% Am 9 Cx Mx Rx 86 92.82215 411.89068 1582.16726 77 16638 819 S6841 1120.27670 87 63.02698 242.40203 800.70829 88 50 . 17688 179.37505 558 . 30626 89 88.84737 129.19817 378.93121 90 29.18802 90.85080 249.73304 91 21.19296 61.16278 159.8^24 92 14.84735 89.96988 98.218M 96 9.970745 25 . 122476 58.249634 9« • 6.435072 15.151731 33.127158 96 3.936499 8.716659 17.975427 98 2.810466 4.780160 9.258768 97 1.270718 2.469686 4.478608 98 .6636442 1.1989820 2.0088184 99 .3206011 .5353378 .8099314 100 .1548798 .2147367 .2745936 101 .0588569 .0598569 .0598569 10 227 AMfiiliCAN-CANADIAN MORTAUTY INVESTIGATION 1990-W.S GANAiMAN MEN VALUES OF A« JIM • A. km m A. **• • *»• u 208.93 46 16.94406 427.01 75 6.260345 788.30 JLW 91 Q Aft lD.DloX4 AQQ AO lb 5.y5oo0o 798.56 17 23.11778 218.24 47 16.28606 449.26 77 5.662277 808.62 18 22.97682 223.01 48 48 16.94798 460.70 78 6J77D76 81&17 If li«M86 472J2 79 6101688 827.48 » 22.68766 232.78 SO 15.25535 484.12 80 4.835970 836.46 21 1 . 1 «7 Ol ACkR no 4l70.Ui7 ol 4.0o04Uo OA C "1 1 o4o.ll 12 22.38818 242.91 52 14.54293 508.21 82 4.335019 853.41 n 22.23293 248.16 53 14.18040 520.47 88 4.099942 861.35 11 22.0726a M 18.81422 682.86 84 8.876400 888.96 2S».1D 18.44482 546.34 86 8.660882 876.20 M 21 72U07 XO.U 1 £!00 Kf:7 QQ OOl .ifo OD 0.400000 ooo.ll tt 21.55441 271.11 57 12.69822 570.59 87 3.262730 889.67 28 21.36693 277.45 58 12.32222 583.31 88 3.079125 895.88 H 2IJL7m 284.06 69 UiNl609 596.06 88 2J06614 901.76 80 20J6748 290.96 80 11J8TO) 608.88 80 2.741664 907.29 81 KI.7B610 29BJ14 81 11.19008 621.69 81 2.687449 912.50 88 305.62 ^^^^ 62 10.81314 634.34 92 2.442225 917.41 88 20.30401 313.39 63 10.43757 647.04 93 2.306092 922.02 8« 20.06570 321.45 64 10.06399 659.67 94 2176919 926.42 86 19.81922 329.78 66 9.893079 672.21 96 2.068197 980J7 86 i%Mm 888.89 88 9.826882 88186 88 1J29169 984.78 87 llilOS98 847.24 87 8.981488 696.96 97 1.806418 938.91 88 19.03351 356.35 68 8.602073 709.11 98 1.669286 943.55 88 18.75666 365.72 69 8.247791 1 721.09 99 1.607665 949.02 40 18.47245 375.33 70 7.899164 732.88 100 1.276052 956.85 41 18.18092 385.19 71 7.666767 74446 101 1.000000 966.18 42 17.88210 89Ck29 72 7.281219 756.80 48 405.64 78 6.898019 766.90 44 17.26348 416.21 74 6.572593 777.74 AMERICAN-CANADIAN MORTALITY INVESTIGATKMf 1900-1915 372% I C"W CANADIAN MEN N£T ANNUAL PBEMIUMS P£& $ljm 3V2% Wbou Un inrifHn Ln Lam 20-Paymknt Idwm 10-Tbab EMdowmm* Bhbowment 20-Yeab Endowment 16 $8 93 $24 66 $17 97 $14 68 $84 22 $52 18 $36 46 10 10 26 27 M 20 07 16 40 84 48 52 39 36 65 16 1183 30 67 22 35 18 28 84 50 52 42 36 72 80 13 88 34 43 2512 20 58 84 50 52 51 36 93 8i 1684 8911 2861 28 68 84 77 62 98 37 68 48 1082 4476 8288 2721 8640 6180 8889 tf 2610 5189 88 06 8181 86 54 6682 40 68 SO 3173 59 21 44 40 37 67 88 49 57 90 44 00 66 40 66 68 47 52 35 45 40 9174 62 18 49 43 80 62 63 79 70 62 71 56 03 97 09 69 19 58 21 86 69 35 93 90 76 93 7123 105 87 80 62 72 14 » 9178 11291 9748 9849 12026 9912 88^74^ AM£RICAN«GANAI>IAN I f £11(5) 15 20 35 40 46 MORTAUTY INVESTIGATION 1900-1915 CANADIAN MEN TERMINAL RESERVES PER $1,000 V/2% ORDINARY LIF£ YlAH 15 83 ea 788 10 13 12 83 15 78 19 24 28 20 2788 82 88 37 93 43 35 3rd Yeab 117 79 2001 24 64 3164 39 64 48 52 58 79 7048 88 60 97 68 112 56 127 37 5th YSAR 18015 84 42 42 87 54 76 67 95 82 74 9988 11888 189 63 162 04 185 07 207 47 IOth YSAB 188 54 75 82 95 29 119 00 145 07 17418 21174 279 05 317 12 354 14 887 79 $103 68 126 43 156 77 191 89 280 27 27217 81781 364 61 412 48 458 80 501 09 588 55 YlAB $152 77 185 79 226 53 272 43 82188 87880 427 94 482 20 534 37 581 93 622 32 90n Ybak 18-PAYMENT LIFE $275 68 327 59 386 27 44881 810^88 572 88 630 53 683 00 727 71 762 99 78818 88848 tot Tsui Ymm $2217 $68 73 24 49 76 07 28 27 46 85 73 m 31 49 98 28 m 3619 U2 88 m 4120 12798 u 48 54 144 31 m 51 93 160 80 m 57 00 176 31 m 61 30 189 38 88 64 27 198 25 79 8540 20118 5tb Year $118 47 13160 14882 17D88 194 54 220 90 248 85 277 07 303 74 82848 84218 84777 10th Ybar $259 20 290 95 82978 87588 427 01 48412 545 34 608 83 87221 788 80 836 46 AfiB Year 3rd Year 18 $15 22 $47 05 » 16 72 5185 18 81 58 78 2181 88 08 » 26 28 7848 48 28 86 89 38 45 32 64 100 78 50 36 45 112 11 55 40 07 122 69 60 43 31 18188 66 48 08 189 01 n 4844 144 41 15-PAYMENT LIFE 5th Ybab $80 89 8959 10204 11798 135 38 153 80 172 92 19170 208 94 lOra Year 1176 94 197 96 288 57 239 86 269 22 295 24 333 59 372 89 410 98 446 09 47194 488 16 491 39 15th Yeab 8290 96 829 78 875 33 427 01 484 12 545 34 608 88 87221 782 88 788 30 836 46 876 20 AMERICAN-CANADIAN MORTALITY INVESTIGATION 10004915 CANADIAN MEN TERMINAL RESERVES PER $1,000 aO-PAYMENT UFE cm An 16 20 40 4S m 70 Age tor Ywm Ybab Yeab l«ni Year 15ni Year 20th Year 15 $11 81 $36 42 $62 45 $135 09 $222 90 $329 78 20 12 92 39 96 68 98 152 32 253 81 375 33 25 14 58 45 56 79 16 175 61 290 81 427 01 80 1710 5840 9249 202 87 882 20 48412 86 2000 6800 108 77 28162 87841 545 84 40 22 98 70 94 12173 261 63 422 05 608 83 45 26 12 80 36 137 30 292 00 46710 672 21 50 29 41 89 98 152 90 32106 508 77 732 88 55 32 77 99 58 168 08 347 20 543 97 788 30 60 36 23 109 17 182 65 369 24 569 71 88848 86 89 95 11911 197 09 88786 68419 87820 70 U12 129 97 21240 408 68 58826 907 29 18- YEAR ENDOWMENT tor Ybab $84 02 8888 8842 88 64 83 66 83 51 83 17 82 53 8145 79 71 7711 73 44 3bd Ybab $26160 280 71 260 67 260 75 260 19 259 08 257 06 268 88 24829 240 04 228 05 5th Ybab 10th Year $452 89 45187 46188 46196 451 79 450 84 449 03 445 84 440 56 482 04 418 79 398 90 $1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 15- YEAR ENDOWMENT 1st 3rd tm 10th 15th Yeab Ybab Ybab Ybab 15 160 76 116786 $278 00 180161 $1,000 00 20 50 32 156 68 27140 800 45 1,000 00 26 * 50 07 156 28 271 16 600 57 1,000 00 80 50 29 156 93 272 04 600 93 1,000 00 86 50 56 157 41 272 40 600 43 1,000 00 40 50 62 157 39 272 08 598 94 1,000 00 46 50 88 15718 ^121 59614 1,00000 60 60 68 16849 289 62 59188 1,000 00 66 6089 155 37 288 72 6B3 53 1,000 00 60 5016 153 76 262 58 571 40 1,000 00 66 50 03 151 91 257 22 553 51 1,000 00 70 50 30 150 62 251 67 529 15 1,000 00 280 MMJmCAN4^ MORTAUTY INVESTIGATION 1800-1915 CANADIAN MEN IKRMINAL RESERVES PER $1,000 3V2% 80 35 40 45 65 70 184 4t 83 75 84 09 84 55 34 89 86 87 troo 38 53 40 93 44 41 tiwss 106 62 105 37 106 40 107 44 108 25 10882 118 00 116 56 122 31 130 91 1184 76 182 86 182 88 184 42 185 65 186 82 isra 188 87 19179 195 88 202 95 2U20 $406 01 404 43 40517 406 58 407 22 40728 40871 405 58 404 01 402 72 403 54 40881 II $674 27 673 61 673 91 67412 67840 87ia 868 08 662 40 653 60 640 97 624 71 807 10 $1,000 00 1,000 00 1,000 00 1,000 00 liOOOOO 1,00000 1,000 00 1,000 00 1,000 00 1,000 00 1,000 00 MOO 00 AMERICAN-CANADIAN MORTALITY INVESTIGATION 1900*1015 CANADIAN MEN MEAN B£SERV£S FEEL $1,000 ORDINARY LIFE 3V2% Ymm 5rm Ybab lOn Tbab 15th YB4B ftom Ybab yS^ 15 $7 38 $19 24 $31 50 $64 46 $103 78 $151 97 $273 32 20 8 40 21 75 35 90 76 46 126 13 184 66 325 03 25 9 86 26 28 44 14 95 58 156 20 225 16 383 76 80 12 01 3310 55 83 11916 19121 27105 446 25 86 1474 4117 8810 146 88 22879 32068 60988 40 18 06 60 40 84 28 174 87 272 88 878 74 67811 46 22 22 61 41 10197 208 22 318 77 429 60 633 92 50 27 47 74 45 122 44 245 23 368 32 486 64 690 16 55 3412 89 80 145 87 285 54 419 80 543 04 740 02 60 42 63 107 76 172 33 328 37 47162 596 77 782 22 66 68 64 12870 20177 872 71 622 06 846 98 816 68 70 8807 162 88 284 10 41788 68888 68884 87019 It^PAYMENT LVB l8T Sbd 6th lOlH Ybab Ybab Ybab Ybab 15 $23 42 $69 23 $118 16 $256 39 20 26 02 76 72 13123 287 51 26 2807 8821 14808 82682 80 8888 8848 18880 81068 86 87 66 112 88 18il8 4B81 40 42 98 128 28 219 64 478 22 45 48 97 145 16 247 97 539 10 50 55 57 162 76 27712 602 45 55 62 74 180 26 305 56 665 94 80 7060 188 72 88188 78688 8i 7808 21120 88240 788 08 70 8818 22818 866 89 88197 15-PAYMENT LIFE 1st Sbd 5th lOn 15th Ybab Year Year Ybab Yeab 16 11680 147 96 88129 1174 72 188761 » 1840 6888 9001 188 S7 88688^ 80 68 6876 10218 224 06 370 53 80 23 47 68 86 117 84 256 67 421 61 86 26 95 79 26 135 23 292 49 478 22 40 30 87 90 45 153 89 330 90 539 10 45 35 35 102 53 173 66 370 69 602 45 60 4048 11616 193 76 409 92 866 94 6S 4881 18800 21882 48619 728 98 €0 68 01 14089 28166 478 80 783 02 65 61 50 154 16 248 27 499 37 881 97 70 72 94 169 20 264 71 513 10 872 58 AMERICAN-CANADIAN MORTAUTY INVESTIGATION 1900-1915 90 85 40 46 66 70 CANADIAN Af£N ME AN HESMtVES PER $1,000 a»>n^YMENT LIFE 3V27« $37 52 41 29 46 80 M44 esio 72 38 82 54 93 53 105 47 118 92 mm mm 10th Year $63 19 69 79 7»74 10717 122 46 138 80 155 86 178 65 lis 27 238 76 $134 65 mco 11487 201 21 230 05 260 48 291 70 322 42 8S148 mu 404 10 431 94 15th YSAR 1220 75 2il0» 28764 328 70 372 81 418 70 464 58 60781 64187 576 44 598 85 615 52 ton Yaui 1825 6B 370 58 421 61 478 22 539 10 602 45 666 94 196 788 02 831 97 872 58 904 52 It^YEAR ENDOWMENT 1st Ykab 15 $8412 20 25 84 07 SO tt96 8402 35 84 22 40 84 46 45 84 86 50 85 51 66 86 60 to 8840 66 9149 TO 96 85 8rd Year 1268 60 26786 267 51 257 78 258 03 257 89 257 55 266 86 266 67 258 87 251 43 248 76 5th YSAB 1446 29 445 40 445 13 445 47 445 51 44888 44198 438 69 433 56 425 85 416 01 15- YEAR ENDOWMENT lOra $983 09 983 09 983 09 983 09 988 09 983 09 983 09 983 09 983 09 IST Year 16147 6186 51 25 51 40 51 75 52 21 62 98 6428 66 29 59 68 65 33 74 71 1166 69 155 78 155 42 156 01 156 68 16718 16772 IK 64 159 85 16217 166 58 17610 $269 78 268 36 268 09 268 97 269 69 269 79 269 85 269 74 269 54 269 61 270 94 27687 lOn Ybab 15th Year $592 19 591 13 591 26 69176 69166 690 69 588 70 585 42 580 14 57217 66118 647 99 $983 09 983 09 96809 988 09 983 09 983 09 983 09 983 09 983 09 968 09 988 09 983 09 AMERIGAN-CANADiAN MORTALITY INVESTIGATION 1900-1915 CANADIAN MEN MEAN RESERVES PER $1,000 20- YEAR ENDOWMENT 3V2% Abb 1st YmuL 3rd Yiab 5th Ybak lOra Ybab 15th Ybab 20ni Ymmm 16 $35 45 $106 74 $183 19 $400 41 $663 55 $983 09 20 35 21 105 71 181 51 398 83 662 91 983 09 26 35 24 105 47 181 48 399 57 663 32 983 09 30 35 51 106 44 183 02 401 17 663 76 983 09 86 36 04 107 66 184 52 402 22 668 46 988 09 40 86 79 108 96 18606 402 96 662 81 988 09 45 8808 11090 18828 408 72 66011 988 09 60 40 01 113 86 191 48 404 67 656 45 983 09 55 43 22 118 55 196 63 406 44 650 98 983 09 60 48 37 126 08 205 07 410 44 643 79 983 09 65 56 54 138 08 218 90 419 40 636 29 983 90 70 69 08 166 86 24046 487 26 682 84 9^09 236 AMERICAN . CAN ADIAN MORTAUIIY £XF£RlfiNC£ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN M£N AGS AT ENTRY, 15 frp— w> l«00 w FloM oMAinmwunr nrlMO .$l6«.ooo mmm wmm ItM «o 191^ bouMTB. $i,es2,eoo 1 2 t 4 6 6 $ » U 12 U U U 16 17 18 21 S 28 24 IS ir 28 29 a j tt « 84 86 42,500 88,600 IMOO 18,000 U.0OO 9,000 9,000 iJBQO • • • 4,000 6,000 1,000 1,000 MOO 1;12,500 188,000 107,600 88,000 69.000 66,600 64,000 88)600 82,600 89,000 81,000 18,000 22,000 17,000 IMOO 88,600 17,000 6,000 UlOOO 191,700 67,400 85,000 26,600 23,000 20,000 9JBM sm 9,700 2,000 6,600 4,000 1,000 • • • 3,000 2,000 • • • • • • Data 4,( • • • If • • 2,0 • • lA • • • BSPOSBD lO 1,282,200 968,600 798,600 667,100 660b600 48M0O 40M00 850,100 309,600 267<400 229,400 162,900 180,900 118,600 82,000 mjM 4*,000 1,000 woo • • • 1^000 1,000 1,000 8,000 8,000 tjOOO 8,000 8,000 8,000 3,000 Mo*. .00162 .00310 .00600 .00629 .00492 .00671 .00874 .ooise .01461 .00844 mm .01667 AMERICAN . CANADIAN MORTALITY EXPERIENCE BASED ON AMOUNTS INSURED CANADIAN MEN AGE AX MttmYf If IssuBB Pbior to 1000 IN FOBCE ON AimiTmsABT IN 1900 $152,000 Ihuw iMMf UOO so 1014, iMCuniTB 01,282,200 Data Exposed to BjLTBOr M80 2,( 183,000 3,000 3,000 3,000 2,000 2,000 2,( 2,( 2,000 9. nnn 2jOOO 2,000 2,000 2,000 2,000 2,000 2i000 2,000 2.000 2,000 T.1MJ00 AMERICAN . CAN ADIAN MORTAUTY £XP£Ri^4C£ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN M£N AGE AT ENTRY, 16 ^mm TB Ifffll nr Tmrm m ftimif mi m lioa •Mi IMfO ltli» IwcauuM f B 86,500 46,000 28,500 38,500 2,000 1,000 10,000 1,000 81^000 214,100 857,500 184,000 166,000 151,500 129,000 113,000 84,500 95,000 58,500 68,fi00 4^000 42,500 53,000 43,500 42,000 19,500 6^000 3,000 1,000 2,000 468^ 188,200 81,900 65,500 48^400 50,500 27,m 14,000 18,000 14,000 8,000 2iNI0 Gi^GOO • • • 1,000 1,000 8^000 11,^ 14,000 11,000 8^600 7,000 f,MO 2,( 1,000 1,000 1,000 1,000 1,000 • • • ..$856,000 $2,971,100 £XP06£0 TO Risk 2,971,100 2,277,300 1,950,000 1,642,600 1,410^ 1,226^ 1,032,200 873,200 780,500 656,500 557,000 449,000 890,500 336,( 297,( 241,500 188,500 144,000 101,000 78,500 14,000 13,000 10,000 9,000 19,000 18,000 17,000 15,000 16,000 18,000 Ram or .00269 .00483 .00718 .00670 .00608 •00B71 .00678 .00229 .00128 .00152 .00581 .07143 AMERICAN - CAN ADIAN MORTAUTY EXPERIENCK 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY. 14 Issues Prior to 1900 in Force on Anniversary in 1900 $356,000 IflBUsa iiiOM 1900 TO 1914, Inclusive $2,971,100 Inbub- AMca Ykab Skpobed to Risk Rate of TAurr 36 37 38 89 40 ... ... » • » • • . • • « • • • 9 m m 10,000 . • • . ... ... • • • ... ... • • • • • • • • • • • • 11,000 11,000 11,000 11,000 um 41 42 ... • • • 1,000 ... • • • • • • • • • 1,000 1,000 Totab 854,000 2,203^ lt04M00 77,500 17,851,200 230 AlffiiUCA)!. CANADIAN MORTAUTY EXPERIENCE 1900*19U» BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT SNniY, 17 Vmam to 19Mtir Fobce on AmorxaaABT in 1900 .9712,300 FROM 1900 TO 1914, Inclxjbitii fff^fHWJftft Biai 1 2 3 4 f • T 8 9 U 12 U 14 IS 16 17 21 26 27 81 82 88 84 199^700 78.400 63,500 44,000 4LG00 njm 9^200 33,000 19,000 17^ 14)000 vsjm 10,000 2.000 8,000 MOO 2,000 1,000 • • • IjOOO '.MMliH^JI^ ^^^^^^ 444,700 471,000 342,000 2i7J00 S<7,600 204,000 198,700 148,700 171^ 148,700 199,000 96,700 70,500 60,500 126,200 CMOO 8^000 24,600 4,000 14,000 18,000 MOO 9,000 3,000 2,000 1^ 2,000 1,000 MOO 1,063,000 330,100 144,000 90,000 7M00 8M0O 66,600 35,000 88,700 28^ SMOO 1^000 12,400 9,500 9,600 6^000 MOO 6,000 6,000 199,200 8,000 2,000 1,< • • • 12,000 11,000 12,000 9,600 IMOO 28,500 7,000 6,000 9,000 MOO 10,800 2,000 4,000 4,000 4i)00 1,000 2,000 3,000 8,000 5,562,100 4,090,300 3,382,900 2,819,400 MSlfMO 2,102,900 1,827,700 1,615,400 1,408,700 1«281«800 1,062,700 889,000 761,000 661,900 826^900 808,700 839,700 295,700 284^ * 88^ 4^000 27,000 24,000 14,000 11,000 10,000 IMOO 9,000 7,000 7,000 4,000 SjOOO 2,000 2,000 .00216 .00269 .00355 .00887 .01118 .00383 .00371 .00639 .00097 .00230 .00526 .00604 .00061 .00254 .00589 .01015 iUL186 .04187 818 AMERICAN - CAN ADI AN MORTALITY EXPERIENCE 1000-1015 BASED ON AMOUNTS INSURED CANADIAN MEN ACS AT SNTR Yt 17 FbIOB to 1900 IN FOECB ON ANNIVSBaABT IN 1900 $712,300 1800 to 1814 IMCLDHVB $5,56«,100 ImuRr ANOB Taift 36 87 88 80 10 41 42 48 44 48 46 47 48 49 81 52 53 54 86 87 58 Totals Entsbed ... ... ! 4 ; . a 1,000 2,000 712,380 1,000 1,^ 8,868,380 2,259,600 ... 1,000 2, 151.500 SSPOBKD TO Risk 2,( 2,< 2.( 2,( MOO 1,000 1,000 . . • 1,000 8jQ00 8,000 3.000 1,000 MOO MOO 1,000 1,000 1,000 1.000 1,000 MOO 1,000 82,480,300 .60000 .66667 9tt AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADUN MEN AGE AT ENTRY, 18 Issues Peiob to 1900 in Fobcb oil Juaunmtn » 1M» $1 116 700 i«<»no.( iMo n, 1914, iwwm, ; ; ; 11'^'^ Ismm Entered EXIBTINO Exposed to Kate of TAunr 1 235,000 857,000 1.797.900 16^ O OQ1 QAA .00199 2 • 158,400 689,500 461,000 29,660 5,845,400 I .00505 9 009,200 280,400 24,000 4,873,800 .00492 J % AAA 494,500 182,200 16,000 4,150,700 .00385 9 QO AAA 82,000 398,000 159,100 18^000 8»54M00 .00608 6 88,500 311,500 106,600 • AAJI AAA •UOSfioO 7 55,300 299,000 101,200 10,000 2,710,800 .00869 n oo,ouu AAA rwv/\ 239,000 72,000 18,000 2,355,400 .00552 ao,ooo 227,000 44,006 8,000 2,087,900 .00383 1A Aw 246460 47,600 13,000 1,881^ •00707 11 37,000 245,500 36,200 1,000 1 (UUX OAA •00064 12 22,500 158,500 17,500 SkOOO 1,828,600 .00604 19,000 170,500 17,000 ^000 1,162,000 .00172 12,500 AfV AAA 87,000 15^000 4,000 991,500 .00403 Hp nm 8^200 89,500 6,000 898,000 .00668 16 5,000 144,500 9,000 2,000 fJQO QAA .00256 17 7,000 86,000 7,000 11,000 681,800 •017ti ±o 9,500 99,000 4,000 684,800 .00748 1Q 4,000 55,000 10,000 8,000 486,300 .00688 OA mmi ItOOO 1,600 297,800 8,000 372,300 j .00806 21 5,000 12,000 2,000 71,500 .01899 22 7,000 • • • 61,500 28 • • • 4,000 • • • 2,000 64,600 .00670 24 • • • 2,000 • • • • • • 48,600 25 3^000 4v000 • • • • • • 46,500 21 8,660 • • • • • • 45,500 27 1,000 6,500 2,000 • • • 42,500 28 2,000 6,000 • • • 1,000 35,000 .02867 29 3,000 • • • • • • 80,000 SO • • • • • ■ 81,000 31 • • • 2,000 • • • • • • 29,000 82 • • • 4,000 • • • • • • 27,000 at • • • 3,000 2,000 23,000 1 .08696 M 1,000 2,000 • • • 1,000 17,000 .06882 35 • • • 1,000 • • • • • • 16^000 242 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900*1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT fiNTRY« 18 Issues Prior to 1900 in Fobcb on Annivjubabt in 1900 $1,116,700 Imum WMxm 1900 to 1914, Inguwyb $8,281,800 AMcm Ymut 86 37 88 40 41 42 43 44 45 46 47 48 49 a 62 53 54 66 66 Totals 1,000 1,000 1,0( 1,000 1,116,760 3,( ... ... 2,000 1,000 2,000 1,000 1,000 1,000 • . . • • • ... 5,475,500 1, 3,713,000 1. Exposed to Risk 14,000 12,000 11,000 10,000 16^ 8,000 8,000 7,000 5,000 6^ 8,000 3,000 4,000 4,000 4,000 4,000 3,000 1,000 1,000 1,000 1,000 48,129,366 Rate OF .16667 o 88 LOOOOO tT 213 AMERICAN - CAN ADI AN MORTALITY £XF£RI£NC£ 1900-1915 BASED ON AMOUNTS INSUSED CANADIAN MEN AGE AT ENTRY, 19 Imam Fmcn, ro 19W m Womm m Amawmmmr m UOO $l,ai4,000 $10,228,400 IMO TO 1914» hmmnm. Inbur- 1 2 S 4 5 6 7 8 9 10 11 12 13 U IS 16 17 18 19 21 22 27 28 29 SI 350,700 196^ 168,000 126,000 132,600 97,000 93,500 60,000 66^ 60,000 51,000 39,000 82,500 •MW 7,000 9,000 15,000 8^000 1,000 7,000 4,000 6,000 2,000 1^000 ^000 %000 S4 35 1,040,700 728,000 788,200 595,300 447,000 339,200 364,700 801,600 208,000 269,000 257,300 244,500 201,200 188,000 114,000 207,200 128,000 106,500 86,500 14^000 7,000 14,500 2,000 8,000 22|600 22,600 17,000 14,000 18,500 11,000 SjOOO 5^000 6,000 6,000 1.000 2^427.800 66M00 860,200 213,600 148.600 115,500 116,000 89,800 72,500 47,500 52,000 18,000 28,000 9,000 21,000 13,000 6,500 5,000 16^000 48M0O 3,000 3,000 3,000 6^ 24,600 29,500 28,000 22,500 13.000 16,000 12,600 10300 12,000 11,000 13,000 11,600 8.000 3,000 3,000 8,000 1,000 10,000 2^ 2,000 3.000 1,000 1^000 1,000 2,000 TO 10,228,400 7,086,100 5,872,000 4,883,600 4A7fiip200 8^702,200 8328,600 2,929,800 2,587,700 2,350^ 2,082,500 Mao,20o 1,687,200 1,407,000 1,289,500 1,182,500 966,300 888^800 888,800 * 180,000 177,000 161,500 168^ UMMO 122,000 99,500 87,500 75,500 68ij000 44,000 43,000 38,000 32,000 26^ BAnov Mob- .00840 .00416 .00477 .00461 .00811 .00106 .00876 .00369 .00464 .00468 .00624 .00818 .00569 .00233 .00254 .00828 .00120 .01868 .00316 .01130 .01858 .00881 .01639 .01326 .01786 .04546 844 AMERICAN . CAN ADI AN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 19 IssuxB Phior to 1900 m Fobcb on AMNivm aABT m 1000 $1,614,000 Issues from 1900 to 1914, Inclusive $10*228,400 ANCB Ybab 86 37 38 39 40 41 42 43 44 46 47 48 49 50 51 52 64 56 57 58 81 Totak 1,000 2,500 4,000 UHOOO 7,000 4,000 3,000 • • . 1,000 4,000 2.000 8iM0 MOO 6^731^ 1,000 4k848,8«0 Daw 4,( 2,500 261,800 Exposed to 25,000 18,000 14,000 10,000 iQjm 10,000 9,000 5,000 3,000 4,000 4,000 1,000 1,000 1,000 3,500 7,500 7,500 7,500 7,600 7,500 3,500 3,500 3,500 8^ 2,500 2,500 6M17400 Batbov MOB- TALITT .53888 III 846 AMERICAN - CAN ADIAN MORTAUTY 1900-1915 BASED ON AMOUNTS IN8UR CANADIAN MEN AGE AT ENTRY. 20 ^mmnimmmmmmAmiwmaumiHim^ IfW «o 1914, Inclitbive EXPERIENCE ED .$2,325,800 $12,087,500 Insur- ance Ykab 1 2 8 4 5 6 7 9 10 11 12 Id 14 15 16 17 18 19 21 22 28 24 26 27 28 28 a 82 33 414,000 248,000 227,000 157,000 178,000 176,500 U4»000 12M00 68,000 83,500 107,200 54,000 CMiOO 41,000 43,000 28,000 21,000 11,000 17,800 12,000 11,000 5,000 13,500 6,000 6^00 6,000 7,000 10,000 6,000 11,000 8^000 7,000 6,000 1,221,700 907,000 824,700 668,000 468^000 464,000 4OM00 886,800 304,500 342,800 327,800 285^600 210,700 1704NX) 152,200 247,000 176,500 161,600 108,600 12,000 26,500 17,000 17,000 MOO 17,000 25,200 21,000 34,000 20,000 SM80 10,000 13,000 6,000 14,500 12^000 Exposed to Risk 2,910,800 754,400 392,400 295,500 209J200 146^700 102,700 84,500 76,000 68^800 44,600 26,500 21,500 23,200 37,600 44,000 7,000 26^000 29,500 641,600 9,000 5,000 2,000 • • • 1,000 29,000 45,300 19,000 23,000 22,000 ICOOO 12,000 20,500 7,500 13,000 I2;ooo 8,000 18,000 5,000 12,000 7,000 11,000 2,000 V 4,( 2,000 7,000 2^000 • ■ • 1,000 1,000 ^,000 4jm 1,000 3,000 IfiQQ • • • 12,087,500 8,340,500 6,881,800 6,872,700 5^048^200 4,522,000 4,071,800 3,706,600 3,335,300 8»010«800 2,668,200 2,892,100 2,181,000 1,998,300 1,840^ 1,682,200 M12,200 1,238,700 1,061,200 943,700 298,200 271,700 247,700 240,200 241,200 227,300 207,100 uuoo 164400 150,100 134,100 128,100 121,100 118400 10^600 Ratbot TALmr .00240 .00543 .00276 .00392 .00486 .00864 .00295 .00553 .00225 •00482 .00460 .00126 .00596 .00250 .00662 .00416 .00779 .00161 .00188 .00424 .00671 .02576 .00807 .00415 .00440 Mm .02666 .00781 .02477 .00647 AMERICAN* CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 20 IflBUBS PlaoB TO 1900 nf Fobob Oir Aumvm aART in 1900 $8,885308 Issues from 1900 to 1914, Inclusive $12,087,500 ANCE 87 38 39 40 41 42 48 44 46 46 47 48 49 50 51 52 58 54 66 66 Totab 4,000 8,000 6,000 13,500 5,000 4^00 5,000 5,000 7,000 4,000 8,000 6,000 8,000 6,000 2,000 2,825,300 8,129,880 1,000 2,000 5,944,700 1,000 1,000 2,000 6,000 4,( 2,000 318,308 Exposed to 92,600 83,600 78,600 64,100 66^00 50,000 45,000 40,000 37,000 27,000 19,000 14,000 11,000 6,000 4,000 4,000 4,000 6,000 6,000 2,000 2,000 77,787,908 Rate or Mob- TAurr .01080 .01560 .03565 .16216 66697 1.00000 947 AMERICAN . CAN ADI AN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT UNTRY, 21 lilcrili Prior to 1900 in Force on Annivubsart in 1900 $3,085,700 Issues from 1900 to 1914, Inglusiyx $14,003,800 499,400 346,000 237,500 223,900 218^700 212,600 171,500 146,000 114,600 111,000 1164MN) 104,500 100,500 55,000 66,000 49,500 47,500 88,000 26,000 29,600 18,000 26,100 27,000 21,000 1^000 14,000 15,000 14,000 12,000 6jm 5,000 4,000 1,000 1,881,200 1,023,500 918,900 707,700 498,000 438,400 395,800 315,500 841,000 890,700 806^500 250,000 191,600 148,700 801,000 288^ 170,000 149,400 13,000 27500 20,'000 28^ 14,900 ujm 36,000 57,000 62,500 14,000 26,500 31,000 27,000 20,000 28»i00 3,624,500 942,800 502,100 290,000 259;B00 187,000 134,200 103,500 79,500 71,200 57,900 82,600 31,500 27,000 34,600 17,000 18,500 18,000 24,000 871,200 9,600 7,000 8,600 8,000 6,000 4,000 • • • 2^ 2,000 1,000 1,000 39,500 57,000 25,000 39,000 25,000 16,500 13,000 8,000 17/MO 18,000 4,000 9,500 18,000 8,000 6,500 10,500 9.000 17,000 3,000 10,000 3,000 MOO 6,000 8,000 2,000 3,000 6,000 2,000 16,000 6,600 1,000 1,000 2,000 8,000 Exposed to 14,003,800 9,508,000 7,830,700 6,622,200 5^80MOO 5,129,100 4,631,600 4,214,000 3,847,700 &65ftiMX) 8,241400 2,925,000 2,684,500 2,494,000 2,182,200 1,907,200 1,992,200 1,528,200 1,363,800 506,100 477,100 47S|290 470,700 466,600 452,100 428,100 878400 829,900 80^900 281,100 264,100 224,100 196400 178400 Bate OF Mam- TAurr .00282 .00599 .00319 .00689 .00448 .00487 .00356 .00308 .00208 .00478 .00401 .00187 .00354 .00722 .00180 .00296 .00582 .01112 .00220 .01976 Mm .01062 .00643 .00442 .00701 .01587 .00907 .04892 .01987 .00394 .00446 •01020 .01788 348 AMERICAN. CANADIAN MORTALITY EXPERIENCE 1900-1915 BAS£D ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 31 bBCM FMOB «o IMO » Wimm ok immmuMt m IMO sSS'soo Issues fbom 1900 lO 1014, bounBTB. ' AMCB Sswmio WlXBDBAWN Dead 89 ... 12,000 ... 1 87 ... 20,100 8,000 1,000 38 • • • 22,000 • • • 39 1,000 19,000 40 6,000 10,000 1,006 41 « • • 10,000 1,000 42 • • • 6,000 2,000 1,000 43 • • ■ 10,000 44 11,000 1,000 46 % • • • 5,500 • • • m 1.000 4,000 1 • • • 47 4,000 1 • • • • . . ^mmm : : : 1 • • • 49 • • . • • # ■4,00b 60 • • • • • • 2,000 61 1,000 • • • 62 • * ■ 68 64 1,000 66 • • • 66 • • • 2,000 67 • • • 1 • • • 68 • • • 1 • • * 69 • • • 80 • • • ei 1 • • * Total B 8,085,700 9,278,400 7,S78,ltO 433,M0 SaCPOBED vo BUK 146,600 133,600 109,500 87,500 69,500 64,500 53,500 44,500 33,600 21,500 19,000 13,000 10,000 9,000 61OOO 3,000 4,000 4,000 4,000 8,000 8,000 1,000 1,000 1,000 1,000 1,000 Bajbof TALITT .00682 .00749 .01489 .01550 .01869 .02247 .02986 98,74M99 .40000 .69697 249 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASfiD ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 22 ^ ^ AwifWiAWr IN 1900 $3,553,400 IHUB iWDif IMI vo 1§14» Jxctmm $14»928»900 Lrsdb- SzmiiNi WmnHyiiiii IHUD Bkposed to Risk Rats or TAUTf 1 B8&.900 0,000,700 A M AAA 44 000 14,928,900 .00295 2 882^ 1,11%800 1,092,000 2l[000 10,219,000 .00205 8 808^ 987,700 513,600 21,000 8,385,000 .00250 4 212,000 833,800 334,900 43,000 7,218,900 .00596 5 227,000 638,300 254,200 22;500 6^218^ •00868 6 227 900 *ivlJ.,Ol/U loO,9UU AAA 84,000 6^5814900 .00615 7 196,300 509,500 151^ 10,000 4,976,400 .00201 8 176^ 401,500 108,500 31,500 4,498,000 .00700 9 127,000 851,300 62,400 17,000 4,138,000 .00411 10 186,000 338,500 78,500 21,000 8,884^ .00548 u 120,500 364 000 40,000 10,000 A IfAA Oft ft 84S2f800 12 114,500 294,500 47,000 18^000 8,288»800 .00401 18 94,000 252,000 484m 8,500 2,998,800 .00283 14 64,600 221,500 21,000 16,000 2,788,800 .00574 16 81^400 198,'srao 47,500 28,000 2,594,800 .01079 16 73,700 349 100 30,000 16,000 2,391,000 .00669 17 75,500 281,500 27,700 7,000 2,069,000 .00888 18 66,000 223,500 17,000 10,600 1328,900 .00574 19 32,000 145,000 42,500 5,000 1,633,900 .00306 20 86^000 2(000 914,800 13,000 1,473,400 .00882 21 40,000 16,000 16,500 8,000 * 558,600 .01432 22 39.700 19 000 20,400 1,000 558,100 .00179 28 24,000 37,000 567,400 .00179 24 23,000 25,500 8.000 642,400 .00922 25 16|000 22,500 6,000 8,000 531,900 .00564 26 21,500 86,500 2,000 1,000 516,400 .00194 27 22,000 45,000 • • • 3,000 498,400 .00602 28 21,000 38,000 4,000 472,400 .00647 29 15,000 37,500 8,000 449,400 .00668 80 7,000 85^000 iooo 1,000 428,900 .00236 31 15^000 28,000 2,200 6,000 392,900 .01527 as 8,000 47,500 • • • 3,000 , 371,700 .00807 » 6,500 84,000 • • • 4,000 324,200 .01284 34 1,000 17,000 3,000 9,000 292,700 .08076 35 1,000 81,000 1,000 1,000 264,700 .00878 \ 3S0 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1615 BASED ON AMOUNTS INSURED CANADIAN MEN AiGC AT SNTRY, 22 Issues Prior to 1900 in Force on ANNivsBaASY in 1900 $3,553,400 Jflsuxft isaM 1900 TO 1914, Inclubivs $14,9^,900 Inbub- Ybab 36 37 88 89 40 41 42 43 44 46 47 48 49 60 51 52 53 54 55 57 58 59 60 61 64 65 67 1,000 • • • 10,500 1,000 5,200 • • • 1,000 3,600 4,000 3,553,400 37,000 36,500 21,000 18^000 i^pOoe 17,500 19,000 15,000 8,000 6^ 2,000 1,000 6,500 1,000 1,000 • • • 2,000 Wrhobawm 5,200 10,058,000 4,200 2,000 6»000 1,000 %000 7,942,200 DXAD 1,000 2,000 1,000 4,000 7,000 1,000 1,000 5,000 4,000 • • • 4,100 1,000 1,000 4,000 1,000 482,100 Exposed fo Risk 232,700 191,500 151,000 138,500 U7,600 95,500 82,200 62,200 46,200 88^200 28,200 22,200 24,800 14,200 12,200 9,200 8,200 12,200 10,200 10,200 10,200 5,000 5,000 5,000 5,000 6,000 5,000 5,000 5,000 5,000 1,000 1,000 102,608,600 Rate OF TALITY .00430 .01044 .00662 .02996 .06967 .01217 .01608 .10823 .14184 .16532 .07042 .08197 .80000 1.00000 251 AMfiiliCAN * CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY» U Issues Prior to 1900 in Force on ANiavsBSABT in 1900 • $3,815,200 IBOM 1900 to 1914, iNCLuaivs $1436M00 562,300 336,500 272,500 244,000 m,m 194,000 232,600 199,000 117,000 148,000 134,000 117,000 98,000 100^ 87,600 63,000 74,500 59,000 47^ 88,200 48»000 26,500 37,000 24,000 29,000 19^ 1^000 14600 18,500 6,000 8,000 8»000 2,000 1,508,900 1,072,400 944,500 762,700 666,000 573,200 447,500 450,600 365,200 887,800 841,600 306,800 255,300 229,200 168400 826,800 214,500 155,000 165,500 26,000 16,600 24,000 48,000 21,000 88,600 49,000 68,600 64,000 47*500 63,500 56,500 86,000 49,600 46,000 36,000 3,768,700 1,092,900 503,000 274,800 mjm 196,700 130,000 112,000 100,600 9^400 66,100 36,500 29,000 43,000 6M00 19,000 16,000 14,500 25,000 1,006,600 7,000 6,600 9,000 9,500 7»000 1,000 2,000 5,000 2,500 8,000 4t000 • • • 1,000 41,500 38,500 27,500 28,000 87,809 47,000 24,500 21,500 9,000 18;600 8,000 10,500 22,000 14,500 10,000 4,( 5,i 12,000 10,500 7,000 6,000 6,000 9,000 5,000 6,000 6,000 6,000 2,000 10,000 9,000 11,000 8,000 12,000 2,000 4,000 14,856,600 10,099,800 8,282,600 7,080,000 6,228,600 5,500,600 4,877,700 4,508,300 M28,200 3,406,300 3,138,700 2,918,900 2,729,600 2,640,900 2,410,800 2,148,500 1,976,000 1,869,000 1,727,000 786,600 741,200 748,700 714,200 716,700 706,200 674,200 642,700 606,200 563,700 600,700 449,200 418,200 355,700 310,700 Rate of Mob- .00279 .00381 .00884 .00627 .00854 .00502 .00477 .00218 .00491 .00235 .00335 .00754 .00681 .00166 .00233 .00607 .00562 .00406 .00816 .00671 .01202 .00700 .00838 .00709 .00742 .00311 .01650 .01697 .02196 •00668 .02904 .00562 .01287 252 AMERICAN . CAN ADIAN MORTALITY EXPERIENCE 1900*1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT SNTRT, 28 Imsum FwBum lo 1900 in Fobgb om Aimn—nr nr II 1900 lo 1914, iMommi . . $3,815,200 .$14^856,600 86 87 88 39 40 41 42 48 44 46 46 47 48 4» 60 51 52 53 64 56 57 58 59 60 61 62 Totals £lITBBBD 2,000 8,000 4,000 6,000 3.600 6,000 • • • 2,000 5,000 4,000 4,000 a,815,200 EziBUMO 27,700 22,000 194^0 88,000 27,000 16,000 24,000 17,600 4,000 9,000 13,500 4,000 1,000 • . • %oeo 1,000 1,000 ■ • ■ 6,000 • • • 3,( • • • 4,1 10,229,200 WiTHOKAWN 1,000 2,000 1,000 • • • • • • 1,000 7,890,600 Dbad 5,000 12,000 2,000 1,000 11,000 9,000 5,000 1,000 8,600 2,600 2,000 1,000 2,000 1,000 1,000 1,000 SZPOBED TO 2,( 4,( 552,000 271,700 241,000 209,000 192,600 161,600 126,000 101,000 72,000 69,600 41,500 31,000 29,000 30,000 27 000 25,'000 23,000 23,000 18,000 18,000 16,000 16,000 9,000 9,000 9,000 4^000 104,804,900 Ratbov .01840 .04979 .00957 .00619 LI .07143 .04950 .01389 .05882 .att98 .04819 .03226 .06896 .03888 .03708 .04000 .11111 .26000 253 AMKBICAN* CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 24 iwiM Ancm to 1900 m Force on ANNiVEBaABT in 1900 $8,846 200 InuB iBOic 1900 TO 1914, Inclusive fHjf^ y^ O ANCS Dm XSPOSED 10 BUK Rate or Moa- 1 1,489,900 3,674,000 38,300 15,222,900 .00252 2 375,300 1,186,000 1 091 900 32,400 lU,Of 1,0UU AAOA/S S 251,400 996,600 495 100 30,000 cVOoO,OUU 4 202,100 839,900 355.800 23,500 AAMA S 285^800 75iM00 288ipa00 86^100 0,0*9,11111 AA4iM» 90C4KM 568»400 175,200 30,300 5,537,300 .00547 7 216,800 442,900 147 000 28,500 rkAK70 8 177,500 i 447,200 106 400 24,000 %o i o, ruu • 133,600 359,900 75 700 18,000 4,l/0,t>UU AAilOl lA 171,000 400.000 64»600 12,000 Q OCTO AAA AIMM1 •omi 11 172,200 877,000 88,600 8,548,000 .00197 118^ 841,800 26,700 18,000 .UUooU u 85,500 284,500 32,500 18,000 AAKQA 14 101,000 211,700 24,500 12,000 AA>IQ/J .UU4oD U 74,500 152,700 51,000 15^ 9 tUiSt. AAA ID y 1,000 357,300 15,000 11,000 2,468,600 .00447 17 83,500 231,200 IMOO 8^ MyX f A,OW AAA11. 18 77,000 180,900 17,000 18,000 1 qOQ f!AA a.,«7«70,v\/\/ .UUOOU 19 M^tOO 148,000 28,100 15,000 1 «f;Q 700 x,ooo, 1 w .UUOU 1 10 48,500 37,100 1,019,800 13,000 AA7RA 21 38,500 1 20,000 5,000 5,000 711,200 .00708 42,000 36,400 19,000 5,000 719,700 •00695 23 48,000 41,000 10,000 ijm 701,300 .00998 24 84,000 21,000 691,300 .00289 » 5^000 28^ 6,000 700,300 .01000 90 27,500 56,500 6,000 12,000 710,800 .01688 27 38,500 55,500 3,000 10,000 668,800 .01606 28 32,000 37,500 2,000 11,000 688,800 .01786 29 8,000 50,000 1^000 7.M0 615,300 .01219 M l^iOO 8^000 14,000 552,800 .02533 SI 1^,000 40,000 4,000 3,000 515,300 .00582 32 6,000 51,500 6.000 18,000 477,300 .03771 33 5,000 40,000 • • • 6,000 407,800 .01471 34 4,200 45,000 • • • 7,600 866300 .02045 35 j ItOOO 8^000 • • ■ 6,000 818,500 .01884 254 AMERICAN . CAN ADI AN MORTALITY £XP£RI£NC£ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 24 Issues Priob to 1900 in Foece on Annivebsabt in 1900 $3,846,800 ISBDES VBOU 1900 TO 1914, INCLUSIVE $15,222,900 ANCI YaAB Exposed to Bisk Ratbov MoB- 36 87 88 40 41 42 48 44 46 48 47 48 49 60 61 54 66 66 67 61 2,000 • • « 4,200 2,000 SAQO 14,000 2,000 2,000 • • • • • • • • • 3,400 8,000 2,000 Totals 3,846,200 23,500 34,000 29,000 20,500 84^ 21,500 23,000 14,000 3,000 9,000 8,000 3,000 4,000 2,200 1,000 ... 2,000 • • • • • • 4,000 • • • • • . • • . 10,555,000 1,000 1,000 2,500 1,200 ... 4,000 7,825,700 6,000 2,000 6,000 5,000 ^jm 1,000 9,500 3,000 • • • 2,000 2,000 1,000 11,000 1,000 2,000 5,200 6,000 1/ 586|488 278,500 251,000 215,000 184,200 160,700 116,700 108,200 76,700 60,700 55.200 51,200 48,000 38,000 29,000 19,200 18,200 20,200 18,000 7,000 7,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 107,239, .02154 .00797 .02791 .02714 .0497& .00657 .08780 .03911 .03628 .OICSl .02682 .37931 .0520a .09901 .2574& .46154 .28571 Looooa AM£RICAN- CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSUBED CANADIAN MEN AGE AT £NTRY, 35 ' Pim» TO IMW nr Vdbcb or AmncTKBaAsr w 1900 |4,S04,600 1900 TO 1014, Inclxtsite $15,438,400 ANCE Ymam 1 i 8 4 6 e 7 8 9 10 11 12 18 U 16 17 It 21 22 23 27 81 82 884,600 334,100 246,400 248,400 196^400 217,M0 157,000 167,500 175,700 19M0O wijsoo 145,200 77,500 76,300 92,600 7%000 88^ 65,200 43,500 22,000 48,000 48^ mjm 39,500 43,200 43,000 81,000 mm 22,500 10,500 2,000 9,000 1,197,400 972,700 857,100 718,700 684»800 442400 489,700 862,200 37^900 330,400 847,800 288^100 214,300 223,300 349,700 249400 280400 18^00 34,000 41,000 25,000 81,400 8^,000 88,500 65,000 53,500 58;tt0 8iUH0 40 000 61400 43,500 56,000 464XW 3,772,400 1,089,600 550,400 341,100 297,800 104400 104,900 98,400 86,500 9^,500 52,800 86^ 68,400 38,900 47,500 14,000 10,000 8IMN» 39,600 1426,200 24,000 9,000 SiOOO 8^000 6,000 8,000 8,000 7,000 7,000 1,000 2,000 5,100 6,000 7,000 1,000 Dbas 48,000 35,000 21,400 32,000 20b000 21,000 12,700 15,000 17,500 20^000 HOOO U,«M 20,500 27,000 11^ 12^ 18,000 12,000 22,000 11,400 4,500 UMNW MOO 14,000 9,500 14,000 82,000 SSdOOO 11,000 10,800 18,500 8,000 4)000 16,000 Exposed to Risk 15,433,400 10,684,500 8,747,000 7,536,600 fjtM2]flOO 6,779,800 5,222,800 4,769,500 4,433,900 4424,700 8300300 8,579,800 3,382,200 3,157,700 8,02^700 2,817300 2318,000 2,324,600 2,127,400 1,964,500 858,100 882400 810,100 810,700 807,900 817,700 786,700 784300 682400 613300 648,800 618,800 644,600 480400 481,100 Ratbof TAIITT .0279 .00328 .00245 .00425 .00868 .00248 .00314 .00395 Mia& .00868 .00368 .00606 .00855 .00380 •00716 .00516 .01034 .00680 .00624 31202 .00741 .01727 .01176 .01712 .04068 .00788 .01710 .01618 .02990 .01460 30618 .08479 810 AMERICAN CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT ENTRY, 25 Issues Prior to 1900 in Force on Anniysbsaby in 1900. 04,394,600 lasuxB isoM 1900 to 1914, Inglubivs $15,433,400 36 87 89 40 41 42 4S 44 46 4S 47 48 49 61 64 66 Totals 3,000 3,000 2,200 4^ 6,000 1^ 2,000 ... 3,000 • • • 1,000 . • • 4,394,600 34,500 14,000 31,000 32,200 82^800 22,000 30,700 32,000 14,000 87,600 16,000 5,000 2,000 1,000 8,000 2,000 2,200 2,000 LOOO 10,873,400 1,500 5,000 4|000 8,295,200 Dbap 3,000 4,000 20,500 6,000 8,000 4,000 8,000 4,000 2,000 7,000 1,200 2,000 2,000 \m 2,000 1,000 1,000 1,000 659,400 Exposed to Risk 375,900 339,900 319,900 270,600 28M0O 201,600 175,600 138,100 102,100 88400 30,400 23,400 20,400 IMOO 16^200 10,200 7,200 5,000 8,000 IMO 114,909,200 Batbqt .00798 .01177 .06408 .02217 .012^ .01984 .04556 .02896 .01959 .07046 .02762 .06579 .08547 .06186 J8168 .38888 IJ I I iiiii 267 AMERICAN • CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT £NT&Y, U Imm fffeMk to MM nr FoaoB oir AmoTEBSABT IN 1900 tiAdn^unn i-«»«M«,«.m4.iK™. Insur ANCE XSAB Fill ■■■II Emmam Dbab Rate or Mob- TAUTT 1 608.600 30,000 15,282,500 I .00196 t «»,10O 1,127,000 1,152,500 42,000 10.607 800 s 217,500 1,079,200 424,100 34,600 8.712.400 00807 4 251,800 926,400 329,800 25,000 7«892.009 •WINrI 6 226^ 733I6OO 280^900 18^990 6.362.600 •wooo 002RS 6 240.300 90A AAA 23911,9110 81,000 5,606,500 , .00553 7 281»400 487,900 144,000 15,000 5.008.400 002QQ 8 196^600 446,000 60,500 19,000 4.592.900 00414 9 176,500 348,400 61,500 12,000 ^m%^%^ mm m %^ 4.262.900 00281 10 215,000 408,500 106,200 17,000 4.017i!00 00428 u 182.100 361 ion VVA,XVV RA 1AA 0U,1UU 15,000 3,700,800 .00405 12 lOMOO 818,790 tt^OOO 32,000 3.456.700 00Q26 u UifNW 283,800 48,000 22,000 3.176 500 14 199,600 212,200 30,000 14,000 3.026 700 .Wv»/0 15 111,000 192,900 7^,800 17,000 2940000 16 130 500 12,000 l&OOO 2,768,800 .00578 17 128,800 278,000 90,600 9 l5ftK 800 AAOAA 18 83,600 147,600 18,000 16,000 1 »,MWV,OW 2 881 100 •vl/DoO 19 TMOO 186,800 80,600 14,000 2 233 100 at 90,000 45,700 1,073,800 .00674 21 99 52,000 55,000 17,500 .01740 ZZ 26,000 36,500 6,000 7^ 996,800 .00703 23 61,600 36,600 16,000 8,000 972,300 .00309 24 99,600 16,000 ' 4,500 970,300 .00464 47^ 10,000 1 17,000 j 976,800 .01741 » 59,500 59,000 8,000 20.000 978,800 .02055 27 48,500 30,500 5,000 945,800 .00740 28 35,000 68,500 8,000 10,000 951,800 .01051 29 19,000 92,600 11,000 11,500 900,300 .01277 M 96ij990 14,000 804,300 .01741 n 27,600 75,000 4,000 6,000 750,500 .00666 32 7,500 74,300 1,000 20,000 694.000 .02882 33 59,500 3.000 ISyOOO 90M0O Mm 34 96 3,000 MOO 44,000 98,000 6^ ^000 581,700 .01505 U»000 476,700 .03776 968 AMERICAN - CANADIAN MORTAUTY EX^EBimCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT ENTRY r 26 Issues Prior to 1900 in Force on Annivebsaky in 1900 .$4,457,509 Iflftuas nunc 1900 to 1914, Inclusive $15,282,500 ImuB- AMCS Ybab 36 37 88 99 40 41 42 48 44 45 46 47 48 49 60 51 52 63 54 55 56 57 68 59 60 61 Totals 2,000 • • • 1,000 9,000 2,000 1,000 • • • 9,000 2,000 1,000 7,000 4,457,500 22,000 15,000 34,500 62,500 40,600 50,000 26,000 20,000 9,000 14,200 1,000 4,000 1,000 1,900 1,000 4,000 11,164,400 8,000 2,000 • • • 1,000 1,000 2,500 1,000 1,000 2,000 7,873,400 23,000 10,000 1,000 10,000 10,600 6,100 10,500 • • • 11,000 9,600 2,C 8,( 2,( 5^000 3,000 8,000 702,200 Exposed to Risk 894,800 343,800 316,800 282,300 218,800 175,800 119,200 83,700 62,700 60,700 29,900 28,000 23,000 22,000 20,000 19,000 18^ 8,000 5,000 5,000 4,000 4,000 4,000 4,000 4,000 4,000 4,000 4,909 114,899,909 Rate of MOR- TALITT .02909 .00316 .03542 .04799 .09470 .08809 .17544 .18738 .07143 .34788 .09091 .26316 .28077 .37600 18 250 AMERICAN •CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASfiD ON AMOUNTS INSUBID CANADIAN MEN AGE AT ENTRY, 27 bm>Itaw«oUM»«orai«ilmmMAniirltM $4,614,400 mmm aaot itM m WU, bcunra $14,868^700 AHCB EmnuD Exposed to Risk Ratb of TAUTT 1 581,100 1460.^00 ft 177 JAA o4,o00 14,858,700 .00232 2 1*297^ 1,029,600 32,000 10,767,100 .00297 S 1,198,800 509,500 32,000 8,757,400 .00365 A mm 196,900 853,100 389,000 30,000 7,302,400 .00411 B 277^00 699,700 192,000 24^700 6^229^900 .09997 6 184.000 545 100 27,900 6^690,000 .00468 7 205,400 629J00 12M90 17,600 5,034,100 .00348 8 207,000 «l^20O 101,200 26,000 4,571,200 .00569 9 879,400 67,000 18,500 4,234,800 .00437 M 197^ 419,900 78,700 17,500 <^ffl9ji00 •00446 11 139,500 380 300 'Xtff/j\J\J 8»910,800 jovm 12 170,500 272,700 40,600 MOO 8,294,800 .00248 13 148,000 232,600 82,000 12,000 8,144,100 .00382 14 180J00 289000 9AA 1 1 mm wm M 0,015,600 .00497 li 177,400 65,000 24,500 ^17^ •00840 16 154,000 392 300 44,000 A AAA 2,802,500 ^^^^^ M •00148 17 125,000 243,800 44,000 23,000 2,61^90 .00914 18 82,000 180,900 86^ 2^ 2,880,400 .01187 19 83,200 144,900 81,200 88,000 2,170,000 .01751 9M90 ii^iOO 1,082,200 17,000 2,039,100 m .00834 a 68,000 87,500 12,900 11,000 1,003,900 .01096 51,500 OT AAA Ol,UU0 19,000 9,000 1,000,600 •00900 23 72,500 49,000 9,000 9,000 967,999 •00912 24 52,000 46,500 14000 20J00 992,600 .02065 25 46^000 11,000 18,000 963,500 .01349 26 91^600 82,600 7,000 6,000 941,000 .00638 tt 28 67,000 74,000 60,500 54,000 8,500 5,000 929,000 .00538 3,000 29 33,700 74,500 5,000 10,000 U,000 912,000 919^ •01096 .01197 SO 3^000 87,000 18^000 892,200 .01508 •1 2ifif» 86,600 2,000 19,000 797,200 .02007 tt 9,000 64,500 1,500 12,000 718,200 .01671 U 4,000 49,000 • • • 16,000 649,200 .02466 M 3,000 50,000 17,000 13,500 688,200 .02296 as 1,000 17,800 610,700 .08888 260 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASfiD ON AMOUNTS INSURED CANADIAN MEN AG& AT fiNTR Yt 27 FklOR TO 1900 IN FORGB ON AKMivnaAET Ui 1900 $4,514,400 1999 lo 1914* iMomnm $14,868,700 Inbuk- ANGB 87 40 41 42 43 44 46 47 48 49 60 61 62 68 54 55 66 •7 60 61 62 Entkbxd l/MO • • • U,000 6J90 12,000 2,000 1,500 2,000 9400 1,200 • • • 4,000 2,000 4,000 4^14,4N EXISTINQ 43,000 38,000 57,000 8M90 29,000 27,500 34,000 43,000 20,000 14,600 16,000 3,000 3,000 2,000 1,000 1,000 • • • 5,( 3,( 11,389.300 Withdrawn 8,000 2,500 2,000 ... 4,000 1,000 1,000 1,000 7,368,100 Dbad 11,000 15,900 12,000 1,000 12,000 4,000 3,000 9,000 1,000 5,100 • • • 2,500 2,000 6,500 8,000 • • « 12,000 1,200 1,000 1,000 745,700 Ikposed to 450,400 389,400 333,000 278,000 209,500 180,000 142,000 90,500 7IUm 62,100 47,300 39,200 40,200 97,700 88,700 37,700 31,200 18,200 15^200 8,200 8,200 3,200 2,000 2,000 2,000 1,000 114,654,200 Batbof .02442 .04083 .03604 .00966 •0M48 .01909 .01667 .06338 .01105 .906^ .10782 .06219 .17241 .25641 .78947 .37500 .50000 L00990 m A M RRI CAli - CANADIAN MORTALITY EXPERIENCE 1900-1915 BA810 ON AMOUNTS INSURED CANADIAN MEN AGE AT £NTRY, iS ^■"■^ ft«J« to IMW nr ¥ io Risk Rate OF 1 8Bqi898 1,480,000 3,170,600 29,500 15,079,200 .00196 39a^ 1,223,900 1.046.000 31 500 1ft Q97 Qftft Av,*746 1 ,«7UU 1 .UUZoo 8 317,700 1,187,000 467.800 20 000 Q 01 fi 7ftft «7,V/AQ, 1 1/1/ 0A99<> 4 181,300 925,200 344.300 31 600 f,009,OUU 211^000 828J0OO 255^200 88^800 8li88fMin 6 261,700 827|800 177,800 29,000 5,630,800 .00515 7 289^800 887,400 18^200 15 000 K ftf>7 ^ftft rift9Q7 8 288,800 423,300 76.500 17 000 A K7f; QAA f»,0 1 D,OvA/ .UUOli 9 186,100 353,000 124.500 21 400 TK,Ox«7,Ol/U 10 158^500 379^00 95.700 12,500 A nng KAA 11 199,200 375,000 21JBI0O UJSOO 8,877,700 .00421 12 184^ 247,800 Mjno 13,000 ftft^7lt 18 144JII0 268,500 88,000 12,000 3 !U.6 ftftft 14 178,500 232,500 28,600 17,800 3 1 82 000 Oft^f^Q 15 139,300 216,200 113.000 19,000 •VWMLi lb tlM AAA 103,000 329,700 24,000 17,000 2,872,700 .00682 17 100,500 251,200 €8,900 24,600 2.nAO0O 18 108^000 208,400 18,000 9,000 2^880.900 18 88^ 187,800 10,600 80,000 2.241 500 i 88 97,000 80,000 1,187,500 14,000 2.149 900 1 « 1 21 71,200 44,500 82,500 6,500 1,015,400 .00640 22 48,500 33,500 21,000 9,000 1,008400 .00887 23 69,000 35,900 2,000 12.000 968,100 .01214 24 49,500 58,200 «^ 1,007,200 1 .00695 85 8M80 28^000 984,000 j .00305 88 58,000 64,000 9,000 6,500 980,500 .00662 27 60,000 58,000 6,000 8,000 959,000 .00834 28 51,500 70,500 16,000 8,000 947,000 .00646 29 23,100 58,500 8,000 28,000 904,000 .02484 88 58^780 81,000 7,000 9,600 .01138 » 21,500 56,500 9,000 13,000 800,800 .01623 32 10,200 62,000 8,500 12,500 743,800 I .01681 33 4,000 62,000 17,000 671,000 .02584 84 8,000 47,000 28,000 594,000 .08872 85 1,000 72,000 1,000 10,000 582,000 .01880 AMERICAN • CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 28 Tmiim riiiiii III 1000 III! rmiK ■ m AmiiiBnii m IBOO |4,«74,f00 1900 lo 1»U, bcuMna 9Ujmjm 87 40 41 42 48 44 46 46 47 48 49 61 68 64 66 66 67 68 60 61 64 66 67 Totek EmnBD 1,000 4,000 1,000 2,600 6,100 1,000 4^000 ... %000 2,000 4,000 • • • 4,000 4,000 2,000 4^iM,608 Ezismro 59,000 82,500 52,000 82,600 24,500 38,500 19,000 22,000 7,600 21,500 10,500 2,000 • • • 4,000 MOO 2,0( • • 1,500 WIXII0B4WN 6,600 1,000 1,000 7,000 2,000 2,500 4,900 8,000 ^000 7,545,700 Dead 15,500 14,000 14,400 15,000 14,000 3,000 5,000 4,800 8,000 4,000 6,000 5,700 4,000 2,000 1,000 8,000 1,000 2,000 2,000 . • • 708,700 450,000 889,900 326,400 260,000 208,000 173,600 130,800 105,700 76,700 64,200 40,700 24,200 20,500 16,500 14,500 12,500 4,500 5,500 7,500 4,000 4,000 4,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2^000 2,000 2,000 117,102,608 Rate OF MOB- TAUTT .08444 .08785 .04412 .05769 .06731 .01728 mm: .08784 .03911 .06231 .14742 .23554 .19512 .12121 .06897 .64000 .22222 .26887 .50000 1.00000 263 AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900-1015 r BASED ON AMOUNTS INSUBED CANADIAN MEN AGE AT imrRY, 39 bsuBB Pbior to 1900 IN PoBCK ON AioavawusT IN 1900 $4,833,600 IMW lo Ul^ ImuiKTB ^ujmjm Insub- 1 2 s 4 B 6 7 8 9 11 12 13 14 17 18 19 20 21 22 23 24 26 27 29 30 31 82 U S5 Entered 493,700 338,900 243,900 206,700 191,900 20M0O 231,500 156,500 174,500 211,500 142J00 mjm 138,500 87,000 115,500 88^000 88^700 82,800 74,200 7M00 78,500 88^000 89,000 21,500 23,000 28^ %000 fi^MQ 8,000 ExisTmo 1,441,400 1,197,200 1,121,900 792,400 617,800 459,200 448,900 878,700 420,800 349,500 262,400 228,300 233,200 li7|800 804,000 220,100 200,800 182,000 87^ 68.400 1^000 45,400 59,700 88^900 71,000 49,000 86,600 120,500 68,500 41,500 75,500 62,000 Withdrawn 56,( 2,909,400 962,500 682,400 294^ 206,700 151,500 138,300 168,700 1^00 44,000 32,000 29,000 83,000 96J0O 28,000 15,500 31,000 46,000 14,000 20,000 4,000 13,000 11,500 4,000 1,000 7,000 9,500 2,000 MOO 2,000 1,000 Dead 40,800 29,500 146^ 88,100 26,000 14,500 8,900 19,000 2M00 16,500 11,500 16,000 82,400 26^ 22,000 18,000 19,500 13,000 18^ 18,000 19,000 11,000 6,000 15^000 10,500 17,000 22300 13,500 22,000 16,000 17,000 28,000 81,600 15,500 14,627,900 10,780,000 8379;T0O 7,840,600 6,305,700 5,578,100 5,038,200 4,688,500 4479,800 8^,800 3,590,900 3,412,400 3,263,000 8,164,200 8,077400 2,942,600 2,707,500 2,592,400 2,428,100 2«802i600 1477,900 1,168,200 1,159,700 1,151,600 1440400 1408,700 1,09(^100 1,061,200 1,011,900 915,900 889,900 796^ 72M00 655,900 561,400 Rate of Moa- .00279 .00276 .00619 .00412 .00260 .00177 .007U .00466 .00661 .00459 .00337 .00490 .01024 12 .00748 .00665 .00752 .00535 .00782 .0U04 .01626 .00949 .00521 .01816 .00947 .01669 .02121 .01334 .02402 .01906 .08677 .04802 .02761 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1000*1915 BASED ON AMOUNTS INSURED CANADIAN MEN AiG& AT fiNTRYt » teaW FtaOB TO 1900 IN FORCB ON ANNIVSBaABY IN 1900 $4,838,600 liMiai Mte 1800 «0 1914, iMCOMiaivs $14,627,900 ANCS Ybab Entered Exam* Exposed to Risk 86 53,200 4,000 15,000 491,900 .03049 87 Ol AAA 31,000 ... 421 700 06403 88 4,000 0-1 AAA 81,000 l*tfO\J\J .^6.^ 700 1 03987 89 6,000 mtf AAA 66^800 &000 1U,UUU .^22 200 03104 40 8,000 AO AAA 88^000 J. AAA 01566 41 47,000 • • • 19,000 222,000 .06660 42 O A AAA 24,000 3,000 01840 48 • • • AA C AA 30,500 3,000 6,000 la*^ 000 04444 44 4ii00O 16,000 1,000 1,000 95,500 01047 46 « • • 9JW) 8|i000 82,500 DSfi36 46 8.200 7,000 5,600 . 70,000 .07867 47 20,000 10,000 65,700 .1^21 48 2,500 4,200 36,700 .11444 49 1,200 2,000 7,000 30,000 .23333 60 uiooo 1 AAA . . 2^,200 61 • * • • 4,000 82,200 .12422 52 • • • 8,000 8M0O .26490 53 ... • • • 2,000 24,200 .08264 54 • » • 1,200 22,200 .05405 66 ... 8,000 • • • 21,000 66 ... SjOOO 2,000 13,000 .15385 67 ... « • • 6,000 .88888 58 ... • • • ... 59 • . . • • ■ s»ooo 4,000 .60000 60 ... « • • 2,000 61 ... • • • • • • 2,000 1.00000 4,888,409 IMNiiM 980|199 Il8»tt4i|800 811 AMERICAN - CANADIAN MORTAUTY EXPERIENCE lMO-1015 BAS£D ON AMOUNTS INSURED CANADIAN MEN AGS AT BITRY, 3t Im» IteoB TO 1800 IN FoBCT Oil Awiii—iii IN 1M» HtDVm MM to l»14k iMsmmi HMtMM ImuR- AMCB WnUBBAWM TO Rats or MOR- TAUTT 1 2 t 4 5 6 7 8 9 10 U 12 13 14 If 16 17 18 19 & » 23 24 S7 fB 29 30 81 34 35 513,700 380,100 268,700 218^ 280,400 286,800 213,200 221,800 247400 UMM 209,000 210,500 218,500 197,000 I'liyBOO 131,500 100,500 134,500 116,500 IMjOOO 70,( 53,( 94,500 74»000 62,500 72,500 20,000 88,500 15,200 iiSOO •,000 4,000 7,000 1,552,100 1,193,000 im»m 8G7,4M 767,900 627,900 520,800 390,700 887,800 88^700 364,700 270,900 296,700 190,600 14MM 311,700 242,700 183,100 156,900 48400 47,500 46,200 39,800 49,900 84j600 MJOO 98,000 167,000 119,000 88^000 52,500 •MOO •9,000 60,500 53,000 3,001,100 978^ 48^990 880,700 283,000 203,900 131,500 8(^000 86^000 121,600 24,000 58,900 24,500 40,000 69469 21,700 41,500 32,000 32,500 lt207^ 18,000 15,000 26,000 9,500 1,000 14^ 8^000 26,000 6,000 13*000 6,000 KjOOO 8,600 11,000 5,500 32,000 84,000 88,809 45,100 18,500 15,000 20,000 20JOO 9,000 19,500 16,000 15,000 14»000 87|600 32,000 21,200 13,000 38,000 10,000 19,000 8,000 1,000 24,000 IfibfiOO 17,000 21,000 12,000 8,000 21,500 21,500 18,600 88,500 38,000 11,000 14,606,800 10,586,800 8,709,600 7,268,400 6,243,500 5,474,500 4,914,500 4^^ 4482,500 8,998,300 3,685,100 3,485,900 3,350,600 8,282,900 8485,800 3,105,500 2,871,600 2,666,700 2,573,100 2^482,200 1,808,000 1,293,000 1,293,800 1,280,000 1,891400 1J88»000 1,250,000 1,174,500 1,102,000 989,000 906^000 840,200 796,500 687,000 581,500 .00219 .00620 .00296 .00274 .00407 .00225 .00529 .00459 .00448 .00488 40168 .01030 .00738 .00487 .01477 .01459 .00619 .00077 .01875 4)1278 .01826 .01680 .01022 .00726 .02174 4)8878 .01428 .04834 .05531 .01892 2a6 AMERICAN. CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 30 iiii«Fkm«ol960iHFaBCBoirAiiimraH^m $6,188,700 1800 TO 1914, IiKXUflmB H^MVM ANCE Yeab 87 88 39 40 41 42 48 44 45 46 47 48 49 51 52 53 64 56 57 58 59 •0 Totab 2jm 8,600 1,000 5,000 3,000 14»0 14»9 • • • 2,400 1,800 1,000 6,000 1,000 1,200 2,000 2,400 ... . a • 5»182,766 47,000 60,000 45,000 64^500 45,000 25,500 21,500 27,600 11,000 16,000 7,000 10,500 4,000 44NN> 1,000 2,000 1,000 • • • 2,000 ... ... . • • 11,412,166 Wnnumi 6^000 8,060 1,000 5,000 6,000 1,000 7,438, Dead 18,600 10,000 25,500 4,500 3,000 21,000 10,000 ISfiOO 7,000 7,000 1,000 MOO Vioo 4,000 1,000 1,000 MOO 4,400 2,800 ... 1,200 8 ^ ^ 9 66 519,000 460,600 896,000 325,500 261,500 216,500 165,000 129,600 86,000 66,000 45,400 37,400 28,700 21300 22,800 14,800 14,000 11,000 12,400 9,400 8,400 4,000 1,200 1,200 MOO 119,921,566 Rats or MOB- TALITT .03565 .01382 .01147 .09700 .06061 .18900 .10606 .02203 .16881 .28571 .09091 .08065 46M8 .52381 .7( mil 1.00000 267 AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AT ENTRY, 31 nooB TO 1900 m VoMs oir AMMmaMonr or IMt $iJttt,4M 1900 TO 1014» iKOumrm m^MW UXCK 1 2 3 4 6 7 8 9 10 11 12 U 14 15 16 17 18 11 20 21 22 26 27 28 29 81 82 83 34 86 417^ 850,600 353,500 220,300 2i0,000 282^ 212,000 224,400 182,200 203,500 194,500 166^ 18S|000 172,600 147,500 102,500 108,700 110,800 UMOO Ifll^ 90,000 71,000 75,000 96,000 8^000 54,500 50,500 45,500 40,000 njm 24,600 ,600 8,500 6,300 liOOO 1,880,800 1,164,900 959,400 855,800 78U00 597,000 488^ 870,100 393,900 316,000 276,700 281,000 19M0O 174,800 171,400 287,300 219,000 216,900 178,600 48,000 33,000 44,000 66,500 46,600 88,000 87,000 82,500 80,000 78,600 60,600 76,700 65,800 64,500 68,200 868,700 505,700 259,400 240,600 166,300 178,400 86,900 85,000 108,900 58,500 53,400 42,000 20,700 63,500 44,500 26,500 17,000 KflOO 1,000,200 13,000 16,000 9,000 6,000 ^000 8,000 13,000 4,000 9,000 8J00 7,000 8,000 3,000 1,000 2,000 28400 21,800 15,800 11,000 33,000 17,000 17,000 14,600 16,000 34,000 12,000 10,800 18,600 18,000 21,000 14,000 10,000 12,000 14000 88,000 13,000 16,500 16,500 19,000 28600 24,000 21,000 33,000 36,000 80,600 29,600 28,500 35,000 28,500 9,200 18,211,600 9,749,400 8,054,100 6,926,700 6,020,800 5,206,100 4,668,100 44n6,900 8,946,800 3,635,100 3,379,700 8,227,000 8,048300 2,992,700 2,961,800 2,843,400 2,600,100 2,453,300 2317,700 2386,700 1,263,400 1,294,400 1,288,900 1,271,900 1388,400 1388,900 1,200,400 1,129,900 1,055,900 970,900 886,900 818,400 722,800 627,500 689300 Rate or MoB- tautt .00220 .0DB18 .00196 .00159 .00548 .00827 .00864 .00846 .00935 .00355 .00335 X)0448 .00801 .00711 .00492 .00385 .00489 .00604 Mm .01029 .01275 .01280 .01494 .01818 .01898 .01749 .02921 .03409 .08141 .08880 .03604 .04842 .04542 .01704 AMERICAN . CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT SmntY, 81 iMini Ftaoft TO 1900 IN FoBGB am Ammiimmakt or 1900 $4,833,400 TO 1814, ImoLamwm 818311300 Insxjk- ANCE Ykab 86 87 88 89 40 41 42 48 44 45 46 47 48 49 60 61 52 53 64 Totals 6,000 C200 6,000 8,000 1,000 4,000 • • • 8,000 2,000 2,000 3,000 8,000 4,833,400 EZISXZMO 54,000 88,000 48000 59^000 28,000 15,000 16,000 14,000 18,000 18,000 6,000 4,000 4,000 6,000 2,000 1,200 3,000 2300 10,672,400 Withdbawn 2,000 8,000 1300 1,( 1300 6,481,500 Dead 28,600 14,800 16,600 10,000 22,500 11,500 4,000 18,000 10,000 2,500 4,000 • • • 8,000 • • • 7,000 2,000 6,000 2300 891,100 461,400 381,800 tt4300 276,700 209,700 160,200 136,700 116,700 87,700 61,700 43,200 33,200 32,200 26300 0380 18,200 16,200 15,000 10,000 2300 111,743,908 Rate of Mos- .06198 .03876 .04688 .08827 .10730 .07179 .02926 .15424 .11402 .04062 • .09259 .09817 .13333 .60000 LOOOOO 2fl9 AMERICAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BAS£D ON AMOUNTS INSURED CANADIAN MEN AGB AT BfTRY, 32 rirnm to intlO m riiim ■ iiii I\hihhmhi hi 1100 IMI la lil4» Imsummm $12,476,500 1 2 S 4 fi 6 7 8 9 10 11 12 13 14 11 1€ 17 18 19 22 23 24 28 27 28 29 30 31 82 88 84 35 499,200 885^800 247,800 274,000 256,400 221,200 209,000 195^ 187,800 190^ 187,500 171,500 191,500 160,000 11IMS80 133,500 110,200 89,000 110,000 82i000 86^000 £zi8XIMO 66,500 71,000 48,500 71,000 72,000 32,000 42,000 22,300 25,000 ^000 5,500 5;ooo 1,283,100 979,500 1,088,700 858,800 648,700 599,000 446,500 880,800 818^900 283,500 362,600 299,400 220,700 185^600 129,700 328,700 247,100 186,100 192,000 84»800 68,700 46,500 66,500 56,000 77,000 59,500 91,500 105,000 62,500 77,000 8MM 51,000 65,000 54,500 2,250,400 80MOO 898,900 331,500 169,100 155,700 108,800 81,400 26,200 42,600 21,000 90,800 28,000 11,000 31,000 31,500 mjm 9,000 6,500 7,000 6,000 7,000 8,000 19,500 1,000 ^000 1,000 7,880 4,000 8,000 8,000 46^700 81499 19,800 42,400 24,000 15,200 10,500 IMOO 26,000 18,500 18,000 6,000 18,000 20,000 EXPOAEO TO 26,500 14,000 21,500 20,500 2^600 80,500 16,000 20,000 19,000 IfidOOO 18,000 11,000 11,000 25,000 40,500 25,000 28,000 26,500 22,500 17,000 12,478,800 9,898^ 7,924,800 6,719,300 5,760,600 5,175,200 4,886^ 4,889,700 8,988,600 3,896,200 3,503,300 3,284,000 8,107,500 8,089,800 2,978,700 2,846,000 2,596,300 2,434,400 2,284,800 2450,800 1,216,500 1,183,300 1,171,800 1,141,300 1,iaMW9 1,097,800 1,057,800 1,055,300 1,005,300 906^ 840,800 759,800 689,900 614,400 529,400 Rati or Mob- TAUTT .00246 .00631 .00417 .00294 .00887 .00827 .00501 .00514 .00183 .00679 .00868 .00889 .00931 .00539 .00883 .00897 .0U89 .02507 .01352 .01707 .01665 ^1420 .01840 .01040 .01042 .02487 U>4489 .03841 .03662 .03211 270 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG& AT SNTRYt 82 leusuES Pbior to 1900 in Force on Annivebsaby in 1900 $4,631,000 1800 TO 1914, iMCUnuvB $12,476,300 Inbub- YlAB 36 37 38 40 41 42 43 44 46 48 47 48 49 50 51 62 53 54 55 56 57 59 Entebsd 5,000 1,000 2,000 4,000 7,000 4,000 4,000 3,000 3,000 ^jm 8,000 2,000 2,000 4,631,000 47,000 26,500 35,000 88,500 80,000 21,000 33,500 38,000 22,000 11,000 7,000 2,000 2,000 1,000 3j000 Wi 10,372,900 2,000 3,000 9,000 2,000 1,000 5,802,600 DB49 16,000 12,000 9,500 16,800 11,000 6,000 21,500 7,000 18,000 12,000 1,000 • • • 6,000 3,000 2,000 1,000 4,000 3,600 931,800 Bkposed to Risk 454,900 394,900 357,400 314,900 282^800 209,800 179,600 143,100 86,600 8(L800 41,800 25,800 24,600 22,600 15,600 11,600 9,800 10,600 6,600 3,000 3,000 2,000 2,000 2,000 109,299,000 .03517 .03039 .02658 .05335 .08979 .06248 .03341 .15024 .08083 J28403 .09908 .26549 .19231 .17241 .19417 .37798 .54545 .33333 1.00900 271 AldERlC AN . CAN ADIAN MORTAUTY EXPERIENCE lMO-1915 BA8£D ON AMOUNTS INSU&SD CANADIAN MEN AGE AT BfniT, U Item TO lioo IN FoMi m Ammmmmm m IMO fi,4l4,700 liii to ltl4 ImmKn .tll,Mt.WO 8dB^ 88M00 mjm 208,800 282,900 245,200 207,100 18^00 mfloo 186,500 169,800 184,500 U7,000 137,000 148,300 94,000 131,100 54,500 66,800 70,500 62»000 51,500 59,500 34,500 20^ ijm 10,000 8,000 1,000 1,177,200 719,700 694,800 586,800 461,300 OSED TO BlBK 383,800 312,300 262,800 217,600 184880 137,500 119,500 88,500 66,500 64600 45,300 35,800 36,800 27,800 24800 14800 14600 16,600 13,000 12,000 10,000 4000 7,000 104280,200 Ratkof .06253 .05764 .03044 .08046 .06909 .10042 .05650 .12030 .18888 .05587 .10791 .22018 .28488 .21687 .07692 Jl6667 .20000 .12600 1.00000 273 AMERICAN - CANADIAN MORTAUTY £XP£Ri£NCE 1900-1915 BASED ON AMOUNTS IN8UBBD CANADIAN M£N AGE AT ENTRY, 34 TO 1900 IN Vcmm oh Aamnwmm « UM $4,867,000 imim wmm IMO so 1*14, iMoxmtn $io,759,500 Insur- ance Entebbd EzisToro Exposed to Ravbov TAurr 1 383,100 1.183^500 10 AAA 10,759,500 .00177 2 276,600 86M99 765^700 18,999 8,074,300 .00234 .M 2S6^ 889,900 813,900 20,000 6,702,000 .00298 4 286^100 653,800 252,200 38,000 5,784,400 .00657 S 2994»0 601,900 197,400 21,000 5^5^ .00414 6 173.400 548 700 114. p*nA o0,0U0 4|466y499 .00886 7 225,000 361,400 112^ 29,699 3,935,100 .00750 8 212,500 298^ 89,899 6,900 3,656,900 .00164 9 1»,500 247,809 61,600 87,500 3,507,900 .01069 M 187,200 306,800 83,100 16,000 3,321,100 .00482 11 236.500 319 200 91 nfifi 1 T AAA 3,102,400 .00648 12 158,500 251,200 30,300 8»000 2,981,799 .90268 18 132,000 217,000 2^000 2,860,700 .91062 160,600 187309 18,500 14.600 2,713,700 i .00534 18 129,000 1SM99 77J09 13,000 2,653,400 1 .00490 16 117 000 206 iOO A*,OUU 83,800 2,550,900 .01313 17 146,000 197,800 17,000 36,000 2,413,500 .01492 18 121,200 199,200 28,500 21,000 2^808^799 .09910 19 88,100 164,100 28,000 21,600 2481,200 .01128 19 90LfiOO 4IMN0 879,999 21,000 • 2,067,700 .01118 21 87,000 42,000 29,100 18,000 1,206,100 .01492 22 67 700 13,000 6,000 1,174,000 .00511 23 69,000 64,000 7,000 12,000 1,153,200 .01041 24 95,500 39,500 7,000 17,500 1,1W,200 .01686 25 54,000 64»200 24,000 UMWO .M281 26 89,200 924199 7,600 24,500 1,121,500 .02185 27 88,000 49,590 5,000 26,000 1,047,200 .02483 28 45,000 61,500 3,000 28,000 1,004,700 .02787 29 5oioOO 83,500 8,500 27,000 957,200 X)2821 30 52,500 55,000 1^3,000 85,000 888^200 .08941 31 45,000 97,000 1|999 18,099 887,700 .02149 32 18,200 87,000 6,999 18,500 796,700 .02322 88 7,099 59,700 44,200 699,400 .06320 84 2,000 46,600 20,500 596,500 .03437 86 4,000 53,500 5,500 20,500 581^ .08858 274 AMERICAN -CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY» U Issues Prior to 1900 in Force on Anniversary in 1900 $4,367,900 Issues from 1900 to 1914, Inclusive $10,759,500 Inbur- AHCM Ybab 86 87 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 64 65 Totals 1,000 2,000 • • • 2,000 2,400 2,000 7,200 10,000 1,000 6,999 4,500 4,367,990 88,000 40,700 42,000 50,500 28,000 80,000 14,000 19,500 33,000 21,500 9,000 8,200 • • • 1,000 9,024,799 5,500 3,000 2,000 ... • • • 2,000 2,000 2,000 5,158,999 23,000 15,500 26,000 18,000 9,500 2,000 10,000 4,000 7,400 10,000 2,000 4,000 7,000 • • • 6.000 8,600 2,000 6,000 • • • 1,200 944,799 Exposed to Risk 455,900 395,400 338,200 268,200 291,790 171,600 137,600 113,600 97,300 66|900 36,400 31,400 24,200 17,200 16,200 14,700 U,290 9,200 3,200 3,200 97,823,999 Rate of TAUTT .05045 .03920 .07688 .06711 .04710 .01166 .07267 .03521 .07605 .14948 .05495 .12739 .28926 .37037 J28810 .17867 .65217 .37500 10 275 AMfiRIC AN . CANADIAN MORTAUTY £XF£BI£NC£ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN M£N AGE AT £NTRY, 35 ImnM fmm to IMNI nr fomm cm A mi w wamj m m IMO $4»tM»600 Ibsuss fbom 1900 to 1914, iNCLUSiyB $10,707,200 EXPOBKO TO Rati or MOR- TAUTT 408,400 279,900 240,900 214,000 SOSifiOO 157,600 166,000 1303,700 185,300 147,000 137,000 157,000 132,500 142,500 mjm 106,600 107,500 45,000 70,000 87,800 56,000 46,500 61,000 41,000 33,000 5,000 6,000 1,101,800 882,100 838,600 696,900 548.900 M6^400 S01,400 289,900 d44if700 272,600 1M,000 190300 186,500 148,900 277,600 201,600 U4»S0O 181,500 34,500 39,700 34,200 38,500 47,000 59,800 51,500 57,000 71,500 67,000 66,500 50,500 51,000 1,802,800 643,900 386,000 189,500 242,000 148,400 118,900 50,000 61,700 89,500 89,000 2M0O 28,000 25,000 72,400 37,000 22,000 44,000 22,000 973,700 19,200 8,900 12,000 8,000 12,600 8,000 2,000 15,000 8,000 2J00 6,000 5,000 1,000 3,000 EjOOO 81,600 30,000 24,300 17,900 16,600 27,000 11,000 29,000 12,500 20,700 20,500 21,200 30,000 25,000 14,000 20,600 19,600 23,000 18,000 21,000 12,000 11,000 »jm 29,500 22,000 25,000 22,000 SMOO 56,500 49,500 43,( 18,( 2M00 10,707,200 8,085,000 6,808,900 5,800,900 6^10*600 4,607,000 8,987,000 3,708,400 3,485,600 8,287,500 8,036,300 2^889,600 2,798,800 2,693,900 2,589,400 2,500,100 2,804,000 24nMoo 2,091,200 2,023,700 1,100,000 1,068,100 1,074,000 U00,800 1,039,600 998,300 969,300 988,800 818^ 807,800 711,300 595,300 506,800 484^800 .00371 .00357 .00309 I ^10600 .00876 .00782 .00359 .00630 .00675 .00784 .00829 .01114 .00966 .00560 !oil76 .00082 .01137 .01636 .01966 .01117 AlOOl .02888 .02204 .02579 .02357 .06994 .06959 .07223 .03552 m AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED •» AWOTJKTS INSURED CANADIAN MEN AGS AT SNm Y, ^5 Issues Prior to 1900 in Force on Annivebsabt in 1900 $4,288,600 Issues ibom 1900 to 1914, Inclusive $10,707,200 Imbur- AMCB Ybab 87 38 39 40 41 42 43 44 46 46 47 48 40 50 61 62 68 64 66 66 57 58 2,000 3,000 4,000 6^ 1,200 ... ... 2,000 2,400 • • • 2,000 16,000 27,000 42,800 41,000 9jm 14,600 5,500 22,000 5,000 2^ 6,000 1,000 8»»^100 5,500 1,000 3,000 • • • %000 1,000 1,000 5,233,500 Dba» 25,500 20,000 16,000 19,000 27^ 12,500 5,000 10,000 15^000 1,000 3,000 5,000 • • • 2,000 8,200 ... 1,000 1.400 • • • 2,000 1,042,200 bsposed to Risk 352,800 305,800 259,800 201,000 146^ 111,500 84,500 73,000 41,200 2L200 10,200 14,200 11,200 8,600 8^600 8,600 6^ 6,400 4,400 3,000 2,000 2,000 2jm 95,618,900 Bate OF TALITT .07228 .06540 .06159 .09453 .18066 .11211 .05917 .13698 .36408 .21127 .44643 9 11*7 AAA 0,11 /,uuu .00826 4 177,400 470,200 w^VUU •00118 5 439^ .00494 o 148^00 281,800 110,200 26,200 3,639,200 1 .00720 7 181^800 265,300 81,500 25 600 0,Ot>*,UUU 8 181,080 246,000 63,500 18 700 ■LC7, 1 \J\J Q 1 QO OAA 0,lo^,ZUU .00597 9 121,000 252,600 38,500 12 000 9 AAA .00408 10 139,900 260,000 88^ 71 flOA •0BBB4 11 i7y,ioo 245400 188,000 21,000 2,502,300 .00839 12 124,000 188;^ 22,000 15 000 AAZ? C A .00o59 IS 188,500 154,400 35,500 4 000 AA1 OA .UUloO 14 112,500 129,300 24,600 18 000 9 1/11 f;AA AAOil 1 .UUo41 15 109,500 129,100 83,000 15.000 /UV7KW •00720 tit Id Oil f\f\f\ 84,000 176,400 16,400 64,000 1,964,600 .02749 17 89,500 168^ 18r580 1 ftAI 7AA A1 /lie .U1415 18 108^ 182300 14,000 29000 1 ^?ftQ QAA A1 'TOO .01 /^J 19 11^880 109,100 33,400 13 000 l,Ool,DUU AAQOO to TI^NO 42,500 587,400 27 000 1 AQft 1AA A1 QAC 21 47,000 30,900 7,000 7,000 908300 •OOHh 63,000 31,700 16,000 9^ 911,800 .OOflP' 23 49,000 27,000 10,800 18,000 917,600 .01962 24 68,000 4,000 17,000 911,600 .01865 41,000 49,400 25,000 1 920,600 .02716 26 34,500 90,200 11,000 25,500 885,700 .02879 27 66,000 42,200 4,000 38,800 798,500 .04880 28 25,400 51,000 10,000 86^ 774,500 .04713 29 34,000 79,000 • • • 64,500 702,400 .07759 W 11^,000 3%500 3,000 36,000 602,900 .05971 31 15,500 41,500 2,000 19,500 554,400 .03517 32 8,500 32,500 1,000 25,000 506,900 .04982 88 7,000 37,000 8,000 11,500 456,900 .02INii: 34 7,000 33,000 8,500 407^ .02088 ItOOO 37,000 MOO 82,000 860,900 .08651 382 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900*1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT BNTRY, 88 Jmsum Pbior to 1900 in Forcb on AmoviBaABT m 1900 $3,460,000 1900 TO 1914, iMOLomYm $^l7jm Entered • a . 8,000 2,000 6^ 2,880 1,200 %000 2,000 Totals, 3,460,000 Existing 18,500 26,500 24,000 17,000 17,000 12,500 21,000 7,500 7,000 7,000 5,000 • • • 2,000 M09 6,648,800 Withdrawn 3,500 2,000 1,000 2,000 • • • 2,000 5^ 3,881,900 Dead 21,500 27,000 11,000 9,000 11,000 8,000 14,000 5,400 6,500 2,000 3,000 4,000 1,200 2,000 4,000 946,500 TO 295,900 255,900 198,900 163,900 138^ 109,900 87,400 54,400 41,500 32p888 20,000 12,000 12,000 7,000 8^ 9,200 11,200 11,200 7,200 6»000 4,000 75,431,400 Rate of MOR- .07266 .10551 .05530 .05^ .07919 .07279 .16018 .09926 .15663 .15000 .25000 .35714 .16667 .33333 1.1 iiiiiiiii 283 AMmUCAN* CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT ENTRY, S9 Immm Prior to 1900 in Force on ANNiYSBa^RT in 1900 $3,449,800 Issues from 1900 to 1914, Inglu81YX t7,7 MK HHI 1 2 3 4 • 7 8 9 10 U 12 18 14 15 16 17 18 19 20 21 22 28 U 26 27 28 31 sS 34 822,300 210,000 192,300 127,600 188»«00 m,Mo 126,000 197,000 142,400 iMjm 151,600 157,500 182,500 137,400 120,500 68,000 88»i00 1«8,M0 100,000 58,500 54,000 43,000 4i^280 44,000 36,000 60,500 30,000 55,500 88^100 6,000 25,000 3,500 4,000 1,008 872,800 602,700 470,300 660,700 886|800 293,000 340,600 279,300 214,300 mjm 18M00 181,800 152,500 142,200 112,800 194,800 1^,800 181,700 67,200 27,000 47,500 82,000 48^ 64,400 58,000 78,000 56,500 84»600 70,600 82,000 19,500 17,000 48,000 60,600 21J00 1,238,400 534,300 308,700 144,200 •MM 124,600 62,500 53,000 55,000 84800 88,500 23,300 30,500 26,200 iBjm 29,000 24,000 15,000 580,900 11,000 UMWO 7,500 8,000 6,000 9,000 13,400 8,000 4,000 11,000 1,000 8,000 1,000 4,000 7,000 DlAD 34,500 16,000 24,000 8M00 2^200 14,700 19,000 19,900 9,000 17,900 6,000 57,000 26,200 23,500 20^200 87,800 80,500 37,000 16,000 40,000 10,000 15,000 88,000 19,000 34,200 39,500 40,600 88,000 Exposed io 9,500 73,500 23,500 88,600 28,000 9,000 7,719,000 5,895,600 4,968,800 4341,900 8,728,100 3,412,500 3,122,100 2,826,000 2,670,800 2J84J00 2,378,600 2,301,200 2,197,100 2,170,400 2416,900 2,040,200 1,857,800 1,732,000 1,641,300 1,648400 1,068,700 1,089,200 1,025,200 984,500 942,100 879,900 818,900 733,500 669,500 601,100 538,100 450,100 426,800 847,600 274,100 Rate of MOB- .00447 .00271 .00486 .00841 .00766 .00431 .00609 .00704 .00887 .00706 .00252 .02477 .01192 .01083 .00966 .01848 .01642 .02136 .00975 •02484 .01448 .03219 .01930 .03630 .04489 .04878 .04780 .01580 .13659 .06221 .06617 .03283 284 AMERICAN . CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT smmY, 8f Ihrw Fbiob to 1900 IN FoRCB ON AmnvuMAST XM 1900 $3,449,800 Unm iMf 1900 to 1914» iMcimmi $7,719,000 Insur- ance 36 37 88 40 41 42 43 44 45 48 47 48 49 51 62 Totals Entered 1,000 7,000 2,000 1,000 1,000 4,000 • • • ♦ • • a,449,800 Existing 35,000 13,000 18,000 18,000 8,000 7,000 7,000 10,000 6^000 1,000 11,000 1,200 4^477,800 Withdrawn i,( 1,000 1,000 • • • 8»628»790 Dead 26,000 17,500 17,600 2,000 17,500 11,000 4,000 4,800 1,100 9,000 3,000 6,000 1,000 1,000 1,062,300 Exposed to 237,600 175,600 146,100 115,800 102,600 79,100 62,100 52,100 36,800 80,280 25,200 20,200 3,200 2,200 1^ 1,000 1,000 73,151,300 Rate of MOR- .10943 .09966 .11978 .01780 .17057 .13906 .06441 .09213 .03030 .29601 .11905 .29703 .31260 1.00000 285 AMERICAN - CAN ADI AN MORTALITY EXPERIENCE 1000-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT fiNTRYt 4$ Issues Prior to 1900 in Force on Anmiysbsabt in 1900 $3,439,500 Ihusb fbom 1900 TO 1914, Inclusiyk $7»146,700 Insuh- ANCE 1 2 3 4 5 6 7 8 9 M U n 13 14 IS 16 17 18 19 20 21 23 24 25 26 27 30 31 32 84 314,800 219,300 215,700 138,200 174,000 185,500 111,000 98,100 ff flff^ tmjm 123,000 139,500 101,300 mooo 77,500 62,700 70,000 50,500 86,500 54,000 47,000 39,000 73,000 40,500 88,500 23,500 52,400 14,000 2,000 6,500 8,000 875,600 659,700 460,500 427,200 351,700 329,100 220,400 234,300 95,500 227330 218,200 164,000 166,300 113,200 64,000 188,000 148,000 134,100 80,700 78,500 25,500 50,900 21,700 26,500 35,000 55,500 42,500 87,000 45,000 30,500 30,000 42,000 20,000 24,000 45,000 1,127,900 487,200 244,700 172,600 106,700 153,100 76,200 50,400 38,400 8M00 20,000 33,200 25,100 45,000 63.500 7,000 2,000 12,000 28,000 731,100 2,000 2,000 3,000 3,000 8,000 3,000 16,500 10,000 8,000 2,000 4,000 4,000 3,000 5,000 6,000 13,000 17,500 29,700 15,500 8M0O 26,000 15,500 27,500 49,500 18,000 25,500 11,000 18,000 39,100 18,000 44,600 20,500 15,000 26,000 35,500 24,000 15,000 20,000 9,500 32,500 42,500 32,000 89,200 31,500 34,000 23,500 38,000 30,000 15,700 7,155,700 5,454,000 4,508,900 3,988,700 3,512,600 3,218,700 2,884,500 2,757,900 2,556,700 2,471,400 2,366,300 2,266,600 2,181,400 2,111,500 2i01fei600 1,989|600 1,852,500 1,791,000 1,707,400 1,635,400 860,300 85M00 818,900 828,200 836,200 799,700 771,700 721,200 628,500 562,500 548,400 604,900 420,900 869,900 325,400 .00182 .00321 .00659 .00389 .01011 .00808 .00537 .00997 .01936 .00728 .01078 .00485 .00825 .01852 .00893 .01107 .00838 .01523 .02171 .02790 .01746 .02442 .01147 .03887 .05314 .04147 .05435 .05052 .06044 .04285 .07526 .07128 .06048 .04825 AMERICAN* CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT £NTRY, 40 Issues Prior to 1900 in Force on Anniversary in 1900 $3,439,500 Issues from 1900 to 1914, Inclusive $7,155,700 36 87 38 39 40 41 42 43 44 45 46 47 48 49 50 51 Totals 7,000 4,000 3,439,500 13,500 20,500 25,000 26,000 17,000 11,500 4,500 2,000 6,000 22,200 1,000 1,000 . a • ... 5,976,100 1,000 3,587,400 24,000 16,000 14,000 12,500 15^ 6,000 6,500 3,000 16,500 2y000 5,000 1,000 1,031,700 Exposed to Risk 266,700 229,200 192,700 153,700 121,290 93,200 74,700 63,700 58,700 36,200 12,000 8 000 S^OOO 3,000 2,000 1,000 MOO 69,602,200 Rate of TALITY .08999 .06981 .07265 .08133 .12676 .06438 .08701 .04710 .28109 .05525 .62500 IJ iiiiiiiii 287 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT fiNTRY» U Issues Prior to 1900 in Force on ANNiVEBaABT in 1900 10,987,000 lasuss FROM 1900 to 1914, Inglusiys , IM06,OOO Insuk- AlfCS Ybab 1 2 s 4 • 7 8 9 10 12 13 14 U IS 17 18 19 24 26 27 28 ai S2 33 84 311,400 227,000 250,700 122,500 109,000 132,900 156,700 149,300 124,700 16M00 98,000 117,400 99,500 66,000 ajoo 67300 66,900 73.000 53,000 26,500 84,100 29,000 2^500 46,000 21,000 18,000 29,700 21,500 17,000 2,000 21,600 12,000 i;mo 670,800 535,400 410,100 360,800 8U,M0 8284900 236,000 222,600 145,400 188,900 148,000 123,800 101,900 122,600 66^ 187,800 189,000 101,800 88,500 43,700 40,000 18,600 80,700 45,000 35,500 62,700 37,000 42,400 84,000 44,000 17,500 36,000 21,300 21,900 26J00 912,300 345,300 215,000 153,700 111,000 164,800 44,000 51,800 32,900 92400 82,700 20,000 14,000 32,500 122,800 22400 MOO 11,000 10,000 480,000 6,000 8,000 16,000 18,000 4,000 2,000 6,000 4,000 2,000 5,000 3,000 4,500 11,000 2,000 DBAS Exposed to Buk 14,000 5,000 32,000 22,600 12U0BO 17,700 7,300 24,500 20,000 16^600 26,000 32,400 3,000 9,000 86.600 88,600 40400 15,000 15,000 43,600 31,000 16^000 24,000 26,000 17,000 26,500 16,500 6^ 18,600 80,000 37,000 38,000 21,500 12,600 14,000 5,995,000 4,709,300 4,050,600 8,644,200 8^,700 2,943,400 2,556,700 2,402,300 2,260,100 2,2U400 2,044,200 1,999,700 1,921,500 1,920,000 ^,^ji 00 1,71^00 1,686,200 1,391,300 1,321,300 1,274»700 780,600 76M0O 761,600 686,300 626,300 598,300 668,100 614,800 481,200 461,400 413,900 373,400 296b900 264,700 240^ Ratbof Mo»- .00234 .00106 .00790 .00617 .00601 .00286 .01020 .00885 .00706 .01228 .01620 .00156 .00469 .01918 .01966 .02682 .01078 .01135 .03418 .01988 .08194 .03788 .02714 .04429 .02988 .00972 .02806 .04386 .08939 .10177 jma Mm .06668 888 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 41 Issues Prior to 1900 in Force on Anniversary in 1900 $2,987,000 JsmvsM waoM, 1900 to 1914* Inglusiyb $5,995,000 AM 36 37 38 89 40 41 42 43 44 46 ^8 47 48 49 60 61 Totals 6,000 1,000 • . • • . • 2,000 2,000 2,987,000 18,000 7,500 19,000 9,000 4,000 17,000 3,500 2,000 7,500 6jOOO 5,173,3M 9.000 • • • 1,000 2,000 2,961, 8,000 13,000 11,300 6,000 IMOO 12,000 2,000 2,000 2,000 iQjm 2,000 • • • 8it00 2il08 £XP0SED TO Risk 200,800 165,800 151,300 121,000 104|000 88,000 82,000 56,500 52,500 43.000 27,000 2,000 4,000 4,000 4,000 2^000 59,864,100 Ratbot Mam- .03984 .07841 .07469 .04959 .10677 .18488 .0^28 .03540 .03810 .28266 .81481 .50000 .50000 iiiiiiiii 988 I ♦ 1 AMfiillCAN. CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 43 Issues Prior to 1900 in Force on Annivebsabt in 1900 Jt^'^, 70^^,200 Issues from 1900 to 1914, Inclusive $5»948,600 le 17 18 19 20 21 27 82 33 84 K JOKM Tbab 'Etmrnm 1 276,500 2 205,200 8 156,600 4 103,700 § i&^m 6 119,800 7 120,000 8 124,500 9 95,800 10 109»000 11 86»500 12 110,500 13 108,400 14 ! 86,500 15 94,000 gtH AAA 70,800 65,000 81,000 53,000 30,700 54,800 50,500 15,700 30,300 32,500 18,500 64,000 24,000 26,500 21,000 19,000 1,000 15,000 5^000 703,200 479,300 431,000 331,300 848^ 297,000 204,800 166,300 174,900 111,600 166^ 137,400 125,800 178,200 57,000 165^ 96,100 105,800 67,200 47,000 30,000 9,000 40,000 ,000 ,000 37,000 26,500 41,900 84,000 52^500 30,000 23,500 28,000 27,500 19,000 981,200 331,100 224,300 128,500 68,000 67,600 78,300 41,700 43,000 77,400 16,000 81,100 4,000 6,000 96^ 16,000 5,500 16,800 23,000 409,000 15,000 10,000 4,500 5,500 2,000 5,000 7,500 1,000 4,000 3,000 1,500 5,000 Dub 7,100 23,000 23,700 29,000 45,300 31,000 17,500 9,500 24^ 11,600 23,000 42,500 18,500 82,000 27,500 17,000 83,000 18,000 i7,ooa 16,000 17,000 18,500 28,000 20,000 41,200 18,000 12^800 81,800 11,500 26,000 31,500 26,000 46,500 28,000 Exposed to Risk 5,948,500 4,533,500 3,905,300 8^900 2,997,800 2,730,500 2,440,400 2,246,300 2,145,300 2,018,700 1,909,700 1,805,400 1,724,400 1,660,500 1,544^ 1,452,600 1,309,800 1,261,700 1,171,100 U43,900 728,900 668,600 711,900 699,400 655,600 601,900 551,200 617,700 526,500 481,200 442,700 404,700 867,200 814,200 255,200 Rati OP Moil. VAun .00119 .00507 .00607 .00857 .00800 .01659 .01270 .00779 .00443 .01192 .00602 .01274 .02465 .01114 .02072 .01888 .01298 .02616 .01537 .01486 .02210 .02451 .02599 .04003 .03051 .06845 .08266 .02876 .05945 .02390 .05873 .07784 0)7081 .14799 .09018 900 AMERICAN - CAN ADIAN MORTAUTY EXPERIENCE 1900*1»15 BASED ON AMOUNTS INSURED CANADIAN MEN M» AT INTIIT, 48 Umm FnoB to 1900 in Fobcb am AmmMorr ni 1900 $2,70^,200 1868 «o 1814 tooOTfB tM48^ Insur- ance Ybab 86 87 89 40 41 42 48 44 45 46 47 48 49 51 Totals Entbbsd • • . • • • « • . 2,( ... 1,200 ... ... 2,762,266 EZIBTIIIO 9,200 20,000 IBfiOO 4,000 3,000 5,500 7,000 5,000 1,000 2,000 • • • • • • 1,000 4,95^,866 Withdrawn 3,000 5,000 1,560 2,7aa,866 Dead 23,000 43,000 17,000 11^ 13,500 5,000 7,000 5,000 6^ 1,000 1,200 • • « 4,000 963,166 Exposed to 213,200 178,000 110,000 76,660 62,000 45,500 35,000 22,200 12,200 5,200 2,200 1,000 1,000 5,000 Ajm 4,000 56,056,460 Rate of MoR- .10788 .24157 .15455 .15282 .21774 .10989 .20000 .22523 .49180 .54545 1. iiiiiii 291 AMKRICAll- CANADIAN MORTALITY EXPERIENCE 1900-1915 BASBD ON AMOUNTS INSURED CANADIAN MEN AG£ AT SNTRY, 42 MraB VUOB TO MBO IN Force on Annivebsabt in 1900 $2,269,700 iMCKS FROM 1900 TO 1914, Inclusive g&!iaa!flaa ANCE Wmmm Rate of Moa- 1 242,200 631,700 835,100 17,000 5,120,900 .00332 222,700 367 400 Ot/V/,OUv/ f* AAA 3,879,300 .00155 3 164,200 471.000 OA AAA 0,878,300 .00710 4 100,000 238.300 108 000 2»814,200 .00881 5 82400 294I8OO 1^ AAA 2,642,800 .00680 121,600 286^100 88,300 29,800 2,322,500 .01270 7 107,800 198.800 000 1 Q F^AA A>l 1 1 /\/\ ^,041,100 .00661 8 84,900 146.600 42 .'lOO 19 fiAA 1 AAA OAA i,yo(j,oOO .00658 9 75,000 125,900 53 300 14. OAA 1 TOO £*f\f\ .00786 10 112,500 I44I5OO 1 AAA 1,000^400 •00891 11 76,000 119,600 18,200 28,000 1,549,300 .01807 12 88,000 87.700 88,100 1A Kon aO,uUU 1 /I KO /:aa Ai i o/\ .01130 18 8T,800 116.700 21,000 000 1 >1AA OAA .02499 14 94,500 53,300 ^^^^ 11,000 000 1 OCK 1AA .02257 15 78,000 56.800 84,500 SA 000 •08882 18 33,000 150,200 21,000 14,000 1,198,000 .01174 17 36,000 128,500 14,000 20 Ann 1 (\Ai\ OAA A1 AOO .U1922 18 84,400 77,800 18,000 24 000 Q1A QAA 19 4^800 44,000 7,200 fiOO QylO OAA A/I A/?0 88 tt,000 9,700 273,500 If; fvAA AU,UUv 010 AAA A1 AAA a 61,000 29,000 7,500 13,000 551,800 .02868 22 26,000 36,000 3,700 17,600 882300 •08109 23 31,000 21,700 8,000 9,600 681,600 .01787 24 40,000 88,000 • • • 26,000 528,400 .04731 SB 22,800 AAA INI,UUU 21,000 505,400 .04155 26 37,000 27,000 8,000 13,500 443,900 .03041 27 27,000 32,500 4,500 22,000 48^^ •06088 28 j 50,700 16,500 27,600 400^400 .08888 29 29,000 17,000 4,000 88^000 402,100 .09450 ao 9,000 80J00 1,000 2ijm 372,100 .05644 n 10,000 8,500 1,000 31,700 328,600 .09647 22 7,000 8,500 3,000 14,000 297,400 .04707 83 5,000 19,400 1,000 25,000 278^900 •08984 84 • • • 19,000 19,000 288,600 .07988 25 • • « 16^ • • • 28^000 199,600 •14086 9B8 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT mmiY, 48 IsBun Fbior to 1900 in Force om Awmmwiitwr nr 1900 .$£,269,700 1900 TO 1914, hmjomwm $6,t8M88 Inbub- ANCE Ybab ENTBBn Existing Withdrawn Dead TO Rate of MOB- TAUTT 36 37 88 89 40 41 42 48 44 46 46 47 Totals 8,000 2»a89,788 6,000 9,000 8,000 16,000 6,500 1,000 3,000 7,000 6,000 3,000 4»177,488 1,000 8»000 4,000 • • • ... 2|888,788 18,000 28,500 12,000 7,000 21,500 3,000 ■ • • 2,000 1,000 4,000 1,000 837,188 156,500 181,500 84000 62,000 30,000 26,000 23,000 14,000 8,000 4,000 1,000 44»147t488 .11502 •17871 .12600 .34677 .1 IIIIIIl .08696 .07148 IIIIIIIII 293 AMERICAN - CANADIAN MORTALITY 1900-1915 BASED ON AMOUNTS INSUE CANADIAN MEN AGE AT INTRT, U Issues Prior to 1900 in Force on AiooraMABT nr UOO EXPERIENCE ED lasuxB iBOM 1900 TO 1814^ iHcunra Hjmjm 1 2 3 4 f 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 84 25 26 27 28 31 32 33 84 218,800 140,900 77,300 114,100 8%fi0O' 74,200 92,000 134,500 71,000 106^00 72,600 87,500 45,000 83,500 58,000 48^ 52,500 50,500 61,000 16,000 43,000 19,000 18^000 23,500 28,000 9,000 42,000 7,000 18,000 5,000 3,000 2^000 2,000 425,700 371,800 445,700 405,800 29IU»0 205,700 185,400 142,300 140,100 178^800 148,900 103,800 99,500 140,000 aOpOoo mjm 74,900 50,600 92,600 47,500 35,000 22,000 52,000 21,500 22,500 24,500 20,000 18,000 14,( 23,500 10,800 17,600 28,000 MOO 802,400 228,400 164^ 108,900 66,000 55,200 61,900 15,500 36,500 8^800 20,400 9,000 12,500 28,000 8^,900 8,000 6,000 16,000 18,500 246,500 10,000 6,000 3,000 5,000 3,600 4,000 2,200 3,000 8,000 • • • 1,000 8,000 • • • 294 21,000 20,000 18,000 14,000 9,000 25,700 15,000 8,000 7,000 4,000 9,000 25,000 15,700 13,000 18,000 29,500 18,000 20,000 8,700 86^000 27,600 4,500 28,500 24,500 23,500 68,000 10,000 19,000 24,000 19,500 81,000 18,600 17,000 16,000 14,000 4,892,000 8,861,700 8,888,400 2,881,600 2,422,500 2,162,800 1,950,400 1,780,100 1,748,800 1,636,200 1,523,100 1,419,300 1,369,000 1,286^ 148M0O 1,114,900 1,029,400 983,000 946,900 888400 674,100 544,600 532,100 466,600 48^00 417,500 846,000 357,000 327,000 275,800 244,800 189,800 167,500 132,000 90,000 .00429 .00518 .00582 .00494 .00372 .01188 .00769 .00449 .00244 .00591 .01761 .01147 .OlOU .01094 .02646 .01749 .02035 .00919 .04064 .04790 .00826 .05356 .05251 •058i2 .12895 .02899 .05322 .07339 .07070 .12688 .07118 .10149 .12121 .15556 AMERICAN * CAN ADI AN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, « Bnoa TO IMO m Vines cm AmnvKRaABT m 1900 $1,820,600 tmnm wmm 1900 to 1914» Ihclusive $4,i207,ooo AMCB £■«■■» EaOPOBED TO Risk Rate OF X ISA VMIA AAA 408,800 ^^^^ A 689,800 4,207,000 .00143 2 186^600 886,100 266,900 26,000 3 308 fiOO S 106,400 206,000 174,200 64,200 01991^ 4 67,800 298,900 111,900 2,000 2 487 100 6 70,600 267,700 62,700 8.800 w 2.142.100 11111187 7sl,4U0 206^900 86,000 11,000 1,874,000 .00587 7 86,000 158,000 29,500 «o /\/\/\ 13,000 1 699 SOO .Uv 4 0«> 8 5i,000 70,500 26,100 11,000 1 586 000 ±. fXJijyJ j\j\j\J » 85,500 82,900 12,800 18,000 1 537 400 01 171 10 67,500 195,000 38,100 82,000 .\MwJu6lr Xx CiA AAA 112,700 10,500 11,000 1,811,600 .00889 12 67,500 112,800 15,000 AtfV AAA 80,000 IS 58,000 56,500 11,000 18,000 1 181 fiOO ni f^9^ 14 67,000 102,700 17,000 21,000 1 1 5K 1 00 ni 5^1 ft 16 45,700 85,500 122,200 12,500 X,U 1 X,WAI .111X0 1 lb fil AAA 01 ,000 79,800 22,000 44,000 896^ .04906 17 39,500 55,000 8,900 R12 100 •vxUVO 18 48,000 58,900 8,000 17,600 788 700 too, I w AOOOJ. 19 46,500 46,500 2,000 29,000 7RR 5)00 IB 42,800 26,700 213,700 14,000 724 300 ftlQ^ •vX9dO 21 47,000 12,900 8,000 18,500 512,200 .03612 oo 22 22,000 29,000 2,000 20,500 519,800 .08944 23 56,700 12,000 8^ 29,500 490300 .06017 24 29,500 28^ 28,000 502,500 .05572 2S 25^500 2M00 12,000 20,000 475,500 .04206 28 11,000 41,500 11,700 10,000 443,500 .02255 27 12,500 28,000 1,000 12,000 391,300 .03067 28 22,500 18,500 • • • 22,000 862,800 •06064 29 33,000 21,000 1,000 58,000 844,800 .16821 80 85I5OO i0i500 11,000 14,000 297,800 .04701 81 82,000 82,500 • • • • 21,000 297,800 .07052 82 4,000 14,000 • • • 32,300 276,300 .11690 83 • • • 7,000 • • • 32,500 234,000 .13889 34 11,000 10,000 • ■ • 19,000 194,500 •097^ 8& 1,000 • • • 7,500 176,500 .04249 AMERICAN • CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT ENTRY, 45 Issues Pmor to 1900 in Force on Annivebsabt in 1900 $1,820,600 lasuKsraou 1900 to 1914, Inclusive $4,207,000 Insub- AIICI Year Exposed to Risk Rxnor 36 37 38 89 40 6,600 12,000 9,000 18,000 2,000 8,000 3,000 2,000 1,000 • • • 1,000 4,500 14,500 18,500 8,000 15^ 143,500 130,500 105,000 67,500 57,500 .03136 .11111 .17619 .11852 .26087 41 42 43 44 45 • . . 8,000 5,000 3,000 • • . 2,000 9,500 15,000 • • • • • • 88,500 36,500 24,000 4,000 1,000 .05196 .26027 .62500 46 47 48 49 • • • • « « • • . • • • • • • • • • 1,000 1,000 1,000 1,000 1,000 1.00000 Totals 1,816,660 3^335,866 1,8719666 826,266 39,264,066 207 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN A<» AT ENTRY, 46 fasum Pbioe to 1000 IN FoBca -v 154,900 44,000 9,000 ■•y \^ \^ • %^ V/ \^ 1.897.600 .00474 07,000 139,200 61,300 86,000 1.782.700 6 60,000 165 500 AO AAA « A AAA 18,000 1,573,200 .01144 7 80,500 ^^MHm ^^^^ 126,100 89,600 15,000 1.410.700 OlOfi.^ 8 07,000 119J0O 18,500 25,000 1.311 600 . VXV/vIO OIQOfi 9 77,600 188,500 15,000 24,500 • J -A. • V/ v/vf 1,215 900 .v/X»7Vv> 020111 to 61,000 101,200 54,700 10,600 U16l400 11 65,000 57 000 13,000 A AAA 8,000 1,010,000 .00792 12 52,000 78,300 16,000 18,000 997 000 0180^; 13 84,500 88,400 18,600 12,200 936 700 • v/XOVi> 01^09 14 96^400 80300 2,000 28,500 907 100 .V/AOv^ 15 lOMMIO 28,100 75,900 47,900 16 65.000 83 000 3,000 10,000 866,800 .01156 17 I 33,500 58,600 22,000 21,000 884800 09*^1 ft 18 41,500 72,300 18,000 21,000 766 700 097^^0 19 35,000 20,000 • • * 19,000 701 900 09707 so aiMiOO 21,000 110,000 26,500 697 900 .U^ f U f AQ7Q7 •vol 91 21 17,000 25,500 6,000 24,000 670,900 J>4204 22 5,000 22.000 4,000 OCT AI\A •MOO 68M00 •06649 23 12,000 40,000 8^ 19,600 476,000 .04097 24 33,500 29,500 26,000 425,500 .05875 16 28»000 22»600 2,000 86,000 403,500 .08674 2S 14,600 26,000 6,000 24,000 367,000 .06640 27 6,600 19,000 2,000 34,500 826^ .10699 SB 12,000 19,500 1,000 8,000 276,600 .02904 11,000 37,000 • • • 80,600 269,000 .11776 ao 5,000 88,600 « • • 26,000 202,600 .12346 a 4,000 19,000 4,000 13,000 144,000 .09028 7,000 2,000 4,500 112,000 .04018 » 1,000 16,500 • • • 14,500 110,600 .18122 M 1,000 2,000 1,000 7,000 81,600 35 • • • 3,000 1,000 4,000 72,600 .05517 300 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGB AT ENTRY, 47 l80im Pbiob to 1900 IN Fc»ca cur Awmvu aABY in 1900 $1,^,800 Jmom wwm 1900 to 1914, IncLU Mva I8J8M00 ANCE Year 86 87 88 89 40 41 42 48 44 Totab Entbbbd 1,557,800 Existing 1,000 2,000 8,000 4,500 1,000 1,000 2,658,800 Withdrawn 1,369,000 Dead 9,000 24,000 9,000 3,000 2,000 2,000 1,000 2,000 812,500 BzfCMBD TO 64,500 64,600 28,600 16,500 9,000 7,000 4,000 8,000 8,000 31,298,600 Rate of Mob- TAUTT .13953 .44087 .31679 .18182 .22222 .28571 .26000 301 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 48 i TO 1900 Of FcMwai on Aiiwi i — i ii r m Itoa $IJMM0 1900 TO If 14» iMCMttTS $2,815,600 1 2 S 4 6 f 7 8 9 10 U 12 13 14 16 IC 17 18 19 21 24 17 81 84 35 95,800 92300 4^000 49,000 47,800 77,500 36,000 51,000 47,000 62,000 57,500 49,000 52,500 61,500 7I|0OO 41,000 49,000 38,000 33,500 4iM0O 1»,000 80,000 9,000 13,000 ujm 8,000 9,600 13,000 9,000 ^,800 1,000 2,000 1,000 ExuraNQ 279,500 201,400 217,900 172,500 146,500 126,800 80,700 98»g00 77,900 74,400 114,700 48,800 31,500 60,000 UJOO 36,400 47,800 28,900 28,500 iMjm 28,000 14,000 11,000 21,000 21t000 84,000 24,000 12,000 23,500 ujm MOO 26,000 9,500 1^000 YinxaauLwrn 523,600 117,900 105,300 45,400 54,900 24,400 26,700 22300 17,000 27300 4,000 9,000 5,000 8300 87300 8,000 1,000 2,500 3,000 TUOO 8,000 4,000 • • • 2,500 7300 6,000 • • • 8,000 9,{ • • • 11,000 6,000 12,000 12,000 3,000 5,000 3300 11300 40,000 21,500 82,000 15,800 16300 18300 11300 9,000 19,000 35,000 14,000. 16,000 21,000 18,000 32,500 25,500 40300 12,000 16,000 6,000 18,000 19300 7,000 10,500 6,000 27,000 Exposed to 2315,600 2,097,300 1,864,300 1,575,700 1394,800 1338300 1,159300 1,084,600 1,008,000 920,100 849,200 706,000 681,400 680,900 654,900 617,600 605,200 586,400 668300 646300 488,500 455,500 449,500 415300 379,000 325,000 282,000 245,500 240,500 205300 169300 124,000 108,000 73,500 58300 Rati or MOB- TALITT .00891 .00286 .00644 .00762 .00215 .00404 .01060 .03968 .02337 .09656 .02238 32121 .01756 .01457 .03139 .05969 .04299 .03952 .07230 .06146 •10664 .03692 .05674 .02444 .07484 37805 .12390 .05645 .09722 .08163 80 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 48 Issues Prior to 1900 in Forcb m Anniversary in 1900 $1,228,300 Issues from 1900 to 1914, Inclusive $2,815,600 Inbub- AMOB Year Exposed to Risk Ratbot Moii- TALRT 86 87 38 89 40 41 42 Totals 2.000 ... ... ... ... ... ... 1,000 1,000 1,000 1,000 ... ... ... 9 • • • • • • • • - • • • « • • • • • • • • 1,000 10,000 8,000 3,000 1300 1,000 3,000 29,000 29,000 18,000 9,000 5300 4,000 3300 .03448 .34483 AAAAA .X X X X X .33333 .20000 .26000 1.00000 1,228,300 2,172,200 1,205,600 666,100 25,749,500 AMERICAN -CANADIAN MORTALITY EXPERIENCE BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT fiNTRY, 49 " «.>«.«« • WjecToo Am A Mat m- kit " A/£AX> 160,700 Km or MoR- J 1 > 260,000 > 305,90C > 14,00i — 1 > 2,100^700 TAUTT 1 ^ 124,000 231^ 10/1 ' 86,50C > 15,00( > 1,782,100 .00648 4 ' 53,500 141,200 39,500 .00856 o 32,000 106,400 57,400 82001 ' 1,537,100 ' 1,405,900 .00260 38,100 96^ 50,500 20 OOf 1 1 Oil O 1 /V/\ ' 1,242,100 .02276 .01610 a. 7 37,900 98,600 38,800 21,500 1,113,200 8 48,000 Oft onn 41,400 22,400 .01961 A 82,000 62,200 21,500 9 700 992300 OTA AAJV .02267 9 lu •MOO 73,000 10,600 o79,900 .01102 64,400 124^900 28^500 &fillO 818,500 766,400 .00489 .00718 11 12 32,000 77,000 11,500 13,000 13 47,000 1,000 7,000 661,900 592,400 .01964 14 24,500 36,000 9,500 10 000 .01182 ^^^^^^ IK M^liOO 40,000 10,000 10,400 012,400 KOI ^AA .01688 44,000 5,000 64,600 6,000 581,400 580,500 .01789 .01025 lo 17 17,000 73,900 22,000 18 64,500 • • • 26,500 553,900 461,000 .03972 1^ 24,500 17,000 ■ • • 31,000 A o/v/\ .05748 W j 82,500 13,000 10,000 30,000 473,800 AK€k AAA .06548 41,800 12,000 46,400 15^ 450,800 .AOA AAA «b9,800 .00662 .03606 22 22,000 14,000 2,000 21,000 397,700 23 81,000 27,000 10400 28,500 .05280 24 13,000 11,000 • • • 19,000 382,700 .07447 as 7,000 22,500 2,000 8,000 348,100 .05458 15^000 24,900 1,000 10,000 331,100 806^600 . 08416 08272 21 27 8,000 16,000 2,000 84.600 284,700 . 28 5,500 14,000 4,000 240,200 . 12118 29 3,000 15,500 • • • 1,000 222,700 .1 02082 « 9,000 87,500 • • * 11,000 209,200 .{ 00449 6^000 9,600 1,200 14,000 169,700 .( 05258 M260 81 tt 11,000 3,000 1,000 29,500 161,000 .] «8 2,500 8,000 • • • 19,000 128,500 .1 L9530 34 12,000 14,500 104,000 .1 [4786 35 • • • 12,000 i,oo6 28,000 82,500 .2 .3942 • • • 1,000 8,000 46w500 1 !7879 7204 301 AMERICAN • CAN ADUN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 49 Issues Prior to 1900 in Force on Anniversary in 1900 $1,147,600 Issues from 1900 to 1914, Inclusive $2,160,700 Insur- ance Ybab EuSfUNI WlHMUWlf Dbad Exposed to BUK R^TXor Mob. TAUTT 36 37 38 39 40 41 42 Totals ... ... • • . • • • • • • ... • • • 1,000 • • • • • • • « • • • • • • • • • • • • • 1,000 • • • • • • « • « • • • 2,000 10,500 10,500 5,500 4,000 1,000 1,000 36,500 33,500 23,000 11,500 6,000 2,000 1,000 .05479 .31343 .45652 .47826 .66667 .50000 1.00000 1,147,600 1,834,400 873,900 600,000 21,588,300 806 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT ENTRY, M IssxTEs Prior to 1900 in Force on Anniysbsabt in 1900 $1,202,100 Issues from 1900 to 1914, Inclusiys $8,190,700 1 2 8 4 S 6 7 8 9 10 18 14 15 liS 17 18 19 20 21 22 23 24 26 27 28 29 31 32 33 34 » 82,800 47,500 101,100 35,500 7i^900 47,600 88,000 67,400 67,000 80,000 81|800 46,600 66,600 32,000 26,000 46,500 81,800 14,000 21,000 13,500 35,000 4,000 11,000 20,000 17,000 13,000 1,000 10,000 i%eoo 7,000 2,000 1,000 • • • • • • 181,400 167,500 156,900 110,900 07,600 110,000 74,000 87,100 82,300 6^,700 9^p600 46^000 21,500 38,200 34,900 22,500 16,600 44400 10,500 34,700 23,000 12,000 10,000 8,000 27,000 25,000 39,500 18,500 1,000 11,000 4,000 13,000 6,000 1,000 2,0 00 304,200 197,700 84,200 37,200 6^^,600 49,000 16,500 13,500 22,400 2dUN)0 21,000 24,000 35,000 19,200 84,500 2,000 4,600 6,000 11,000 75,400 3,000 1,000 10,800 11,600 10,000 23,000 1^000 9,000 11,500 3,000 6,000 14^800 8400 18,000 34,100 18,000 11,000 87,000 11,000 18,000 25,500 12,100 25,000 19,000 20,600 48,000 3,500 20,300 8,000 14,000 18,000 10,000 7,000 21,000 10,000 6,000 16,600 BXPOSED TO Risk 2,190,700 1,777,100 1,447,800 1,297,800 1462,200 1,065,100 944,600 875,600 839,400 796^700 758,700 706,100 705,400 661,300 652I5OO 664400 618,600 582,100 496,500 463,500 362,300 827,800 881,800 296,300 255,300 244,800 216,500 179,000 146,600 142,500 131,500 127,500 95,500 80,600 74,600 TAUTf .00493 .00653 .00691 .01772 •01IT7 .00845 .01217 .00343 .00715 .01860 .01075 .01841 .04834 .02722 .01686 .06677 .02121 .03383 .05136 .02611 .06900 .06796 .06178 .14612 .01371 .08292 .03695 .07821 .06874 .07018 .05323 .16471 .10471 Mm .22148 80S AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900*1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT ENTRY, 66 IlBUai FBIOR to 1900 IN FORCB ON ANNIVfiBflAaT IN 1900 $1,209,100 1900 TO 1914, IMCMKVB 18,190^700 Insur- ANCB 36 37 88 40 41 42 43 44 46 Totals Entebed 1,202,100 Existing 3,000 6,000 ilioo 2,000 1,713,200 Withdrawn 1,098,800 Dead 12,500 2,000 6,000 mjm 1,000 4,000 4,000 580,800 TO Rate of MoB« 56,000 40,500 32,500 26,600 11,000 8,000 8,000 4,000 4,000 4^ .22321 .04938 .18462 21,646,600 .09091 .50000 1.06000 21 88r AMERICAN. CANADIAN MORTALITY EXPERIENCE 1900-1915 BA8BD ON AMOUNTS INSURED CANADIAN MEN AG£ AT ENTRY, fit ANCB Ymam » IMO IH FcmCB ON ANNITEBaART IN 11 1900 TO 1914, Inclusivb 87,600 18,( 17,000 37^ 29^ a,5oo 13,000 51,500 32,000 8U00 21^000 60,000 39,500 20,000 58,000 6,( 11,000 lyow 2,000 • • • 187,600 207,600 60,500 96,900 lOMOO 98,700 80,600 29,800 55,500 81^ 88^( 61,200 28,600 65,900 13,200 4,500 16,500 8^ u,ooo 249,700 94,100 54,000 31,( 42,000 14,100 11,500 22,800 23,000 lOpSOO ^800 2,200 2,( 13,000 4^000 8b000 8^ 1,000 2,( 2M00 9,( 11,000 MOO 1,000 8,000 70,200 WJKO njm 15,500 8,( 26JBO0 2M00 17,4 16,1 24,000 18.000 24,( 18,000 5,600 15,( 28jOOO 2»,000 8,( ..$890,000 11 MO TWO Ratbof MOB- 1,650,700 1,360,( 1,142,800 97M0O (UOO 787,000 655,700 611,600 575,500 606^ 513,300 488,300 457,000 438,000 41U00 849,500 839,500 832,000 826J00 284400 288^800 284,100 253,600 246^00 220,100 287,600 206^ 186,500 154,500 148,500 130,500 128,600 SMOO 75,000 .00545 .00221 .06148 .08110 .01186 .00407 .02593 .01145 .00782 .02143 .01843 .03392 .01826 .06446 .04864 .04860 .07229 J08M8 .0487C .09152 .06901 .06886 .026U J06B2 .15550 .01942 .06734 .00066 01886 J8618 .12000 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1900-1015 BASED ON AMOUNTS INSURED CANADIAN MEN ACM AT INXRY, U IklOB TO 1000 IN FOBCB ON AlOaVXBUBT III 1800 $896,000 1800 TO 1014b hnumpm 81,«M|.700 Totab 1,321,000 Withdrawn 48^888 DSAD 3,000 1,000 6,000 1,000 • . • 2,000 542,7M 56,000 52,000 *iooo 3,000 2,000 2,000 2,000 l«^18i,888 Bats OF .05357 .01923 .54545 .26000 LOOOOO 309 AMERICAN . CAN ADiIAN MORTALITY EXPERIENCE 1900-1915 BASBD ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 52 tem Item fo INO » ItoaoB oir AmavxBBABT IN 1900 «7fli inn tmamwmm IMW to mm. Ikclumvi! *i Z #Jl997%l||0 Insur- ance YSAR £ntkbb> mwmmkwm SxpoasD fo Bam. Ratbof Mob- 1 34.20A 228,900 22,000 1,372,100 .01603 2 127,800 90,800 10,500 975 000 01077 19,000 101,600 41,500 7,000 801 600 0nfi7Q 4 46,400 70,200 35,100 2,000 5 62,600 49,200 88iM0 •UOI f^fi 6 •JO, Wvf 8400 14,200 564,100 .02517 7 59,000 56,400 8,000 13,300 517 000 8 28,000 80,000 8,500 4,900 4QQ QOO .UUi700 9 41,000 25,500 15,200 5,000 477 QOO 01 AAA 10 22,700 37,700 9JM)0 loiooo 472ii00 11 43,000 41,OUU 10,800 Ji^ ^^^^^^ 94NX) 489,700 .02252 12 46,700 27,000 12,000 18,000 420 400 Tt A< V ,*X W 04989 13 9,000 t2jm 19,000 410 100 .UftDOO 14 24,000 6^000 16,000 9,000 387 100 09^9f; 15 25^000 9,200 22,000 20,000 881 100 •UiMBftO 10 23,500 15,000 7,000 20,000 864,900 .06686 17 20,000 17,000 9,000 886400 18 21,000 6,000 6,000 8,000 825 400 094. PiQ 19 29,000 19yM0 1,000 18,000 327 400 M 45»000 89,800 20,000 9,000 318.000 21 9,000 13,000 18,500 294,400 •06284 22 17,000 14,000 13,000 267,900 .04868 23 6,000 11,500 t7,000 262,900 .14680 M 2,000 24,000 1,000 8»000 210,400 .03802 2»000 10»7OO 1,000 1^000 179,400 .06689 » 14,000 1,500 10,500 157,700 ! .06658 27 7,200 • * • 22,000 136,700 JL6094 28 8,000 • • • • • • 22,000 lOMOO •20276 29 17,600 8,000 • > • 6,000 94,600 .06349 80 « • • • ■ « 5,600 98,000 .05612 31 1^000 • • « • • • 9,000 91,500 .09836 82 1,000 • • • • • • 29,000 92,500 .31351 88 • • • • • • 1,000 18,000 64,500 .27907 34 • • » • • • 10,000 45,500 •21978 »| • * • • • • 4,000 ItOOO 86^ .02817 uo AMERICAN • CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS IN8UBBD CANADIAN MEN AGE AT ENTRY, £2 I8SDE8 Prior to 1900 in Force on Amhitebbabt in 1900 $761,100 lasuES raoM 1900 to 1914, Inclusive $1,372,100 Insur- AlfCB Ybar Exposed to RnK Ratbov MOR- TAUTT 86 87 38 39 40 m • • • • . 1,000 • • • • • • • • • • • • • • • • • • • • • 8,500 10,000 15,000 1,000 80,600 27,000 17,000 16,000 1,000 .11476 .37037 .93750 lUKXKM) Totab M89,9I# 9tM8i 12,8il,4i8 811 AMERICAN • CANADIAN MORTALITY EXPERIENCE 1900-1915 BASfiD ON AMOUNTS IN8UB1D CANADIAN MEN AGE AT ENTRY, » ^^mfmmioimimWmamm^ummuaimmo $648,ooo Bnai nmc ifM to in^ bounra 1 2 a 4 s 6 7 8 9 11 12 13 U U 16 17 18 19 » 23 24 as 27 28 29 30 31 88 88 34 35 EnnuD 44,600 9»JBO0 njno 4000 38,000 48,700 «2,GM S0,000 25,500 13,000 26,000 80.000 tUOQO 2M0O 15,000 32,500 11,000 3,000 4,000 1,000 2,000 6,000 IJM 7,000 1,000 2,000 2,000 ^000 121,400 104,900 64,800 106,900 67,000 62,400 89,400 MkOOO 28,000 28,000 27,000 18,000 80,800 81^000 10,500 27,000 12,000 2M00 Utfioo 17,000 10,000 28,000 11,000 ^00 1,000 5,000 5,000 4,000 4000 9,500 2,000 • • * 4,000 26^200 62,000 68,800 23,000 18,600 109,000 48,800 86300 19,000 36,600 1,000 MOO SLGOO • • • 2,000 • • • 14,000 5,( 8.( u 4,000 6.000 3,000 5,000 7,000 MOO 8,000 8,000 9.000 7,000 8,000 IMOO 18,000 23,000 11,600 12,000 26,000 12JU0 8,000 9,000 35,200 28,500 8^ iooo 2SJE00 7,000 12,000 10,000 5,000 5,200 1,000 • • • 2,000 7,600 Exposed to Bisk 1,866,800 1,020,800 887,700 810,600 748^ 88I18OO 669,900 532,400 495,100 428^000 4«^000 406,000 388,000 353*000 880^ 808,600 287,000 259,700 243,700 195,600 168,000 116,000 105,000 76,200 75,200 59,200 46,200 89,200 39,200 33,000 22,500 20,500 17^ 813 AMERICAN- CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED OK AMOUNTS INSURED CANADIAN MEN AG£ AT £NTRY, 53 lanras Pbiob to 1900 in Fobcb on ANNivKBaABT in 1900 9848,800 I flMT M FROM 1900 TO 1914, Inclusive $1,855,809 Year 36 37 38 39 49 Tolab 448,000 98M80 728t799 2^ 2,000 ExpoaBo TO 6,000 4,000 2,000 2,000 2,000 12,U3»70« Rate of MOB- TAUTT J8888 JOOOO 1.00000 31S AMERICAN - CANADIAN MORTAUTY EXPfiRIfiNCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN A<» AT BfntT, 54 IS8DE8 Pbioe to 1900 in FoBOi Of AiiiiifaH«n ar UM axm •«« Imbub Tbai ]f Existing EzPOttD TO 1 51,600 121,200 116,000 2,000 AA4 .00181 2 47,800 57,000 80^ 915,600 .06935 CP 59,000 81,100 812,900 .00861 A it 60,000 14,400 7,000 736,800 .00950 II OTy9llU w,900 17,000 10,700 697400 .01686 6 11,500 69,100 11,000 1,500 868^400 ■00229 7 ' 17,100 35,700 1,200 10.700 mjMo .01826 o oi fWK) 17,000 6^700 865,800 .00180 l7,OUU 58^000 7,600 14,000 568,200 .02464 10 QO AAA 184,700 28,400 3,000 501,000 .00599 11 40,000 24,500 4,000 18,400 .05214 12 16,500 24,000 1 1,000 10,000 846,000 .02890 IS QC AAA OOjUUU 5,000 10,000 827,600 .08068 14 6,000 6,000 18,200 842,600 .05314 15 26^000 3»000 41^ 8400 846,800 .01764 16 12,000 22,700 10,400 AOOOO 17 ia,5oo 25,500 • • • 11,500 295,100 .08897 18 9,000 10,000 • • • 2,000 268^ .00746 19 18,000 11,700 8^000 286^ .08012 20 7,000 19,500 28.600 40,600 263,900 .15347 21 16,000 2,000 • • • 9,800 187,400 .05229 22 22,700 • • • 16,000 iqi af)(\ AQQKI .UooOl 28 1,000 17,500 • • » 22,600 194,300 .11681 U 3,000 4,000 • • ■ 11,500 1664900 .07410 28 2,500 15,000 6^000 4,000 .02808 28 7,000 10,000 %000 22,000 121,200 .18152 27 2,500 10,000 • # • 3,000 94,200 .03185 28 3,000 8,000 • • • 7,000 83,700 .08363 29 8,000 • • • • • • 18,000 74,700 .24096 80 7,000 5,000 15,200 81,100 .24886 81 * • ft • • • » • • lOJOO 40,000 .26250 82 • • • • • • • • • 29,500 .16949 33 2,000 10,000 24,500 , .40816 34 ■ • • * • • • • • • • • 10,500 88 • • • • • • • • • 2,000 10,600 19048 314 AMERICAN - CANADIAN MORTALITY EXPERIENCE 10OO-1O15 BASED ON AMOUNTS INSURED CANADIAN MEN ACE AT SNTR 84 Issues Prior to 1900 in Force on ANmysMAsx W 1900 $508 TOO IflBUfiS xsoM 1900 TO 1914b iMcumvm 81408 J08 Insui^ Tbas WXTHDBAWN Dead EXFOMPID Rate or MOB- TALITT 86 87 38 39 40 • • • • • • j ... • • • • • • • • • • • • • • • liob • • • ■ • • • • • « « • • « • 6,000 1,000 • • • • • • » • • 8,500 2,500 1,800 1,600 1,500 .70588 .40000 Totftb 893,700 919,500 358,300 419,100 . . 11,699,600 315 AMERICAN • CANAIMAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT BNT&Y, 56 PrIOB to 1000 IN FOBCE ON ANNITSBaABT IN 1000 $607,000 1000 TO 1014. iMCLiranrs |8M;M>0 Insubp Al Yi 1 2 3 4 • 6 7 8 9 U 12 13 14 16 17 18 19 20 21 24 25 26 27 31 32 33 84 84,900 90,000 40,600 52,500 mjm 61,000 52,500 24,000 20,000 44,600 16,100 13,000 29,500 7^ 12,000 turn) 10,600 11,000 1,000 7,000 9,600 W 1,( 8^ 5,000 144,400 82,500 45,000 57,500 MkOOO 47,500 20,000 35,300 24,500 IMOO 24,400 21,500 20,000 6,000 MOO 8,200 84,000 29,100 27,000 8,000 24.000 4,000 2.000 11.000 6,000 1,000 2,000 10,000 1,000 • • • 1,000 99,000 46,000 44,700 9,000 88.600 17,500 11,000 5,500 17,000 87,000 1,000 5.000 4,500 2.000 88,000 6,000 2,000 8,000 2,000 9,800 6)000 • • • 1,000 8.000 28,000 13,000 7.000 8,000 16,000 11,200 9,500 10.000 6^ 8,000 18,800 14,500 9,000 81,600 18,600 88,000 24,100 7,000 16,000 16^ 0,000 8,500 13,500 14,000 8^ 7,000 6,000 2,000 10,000 5,000 6^000 to Risk 892,200 725,700 659,200 697,100 676400 483,600 463,600 473,900 447,600 416400 407,000 420,100 390,900 364,900 878^ 816^700 296,000 259,500 213,800 195,800 177,000 141^ 112,600 101,000 107,500 83,000 66,000 68^ 49,600 43,500 41,500 34,500 19,600 18,600 18,600 TAUTT .00897 .03858 .01972 .01172 J00621 .02416 .02005 .02234 Msm Mm .04476 .03709 .02466 .08825 .06860 11149 .03575 .09040 .11111 .08000 .03465 .12558 .16867 .13077 41966 .12121 .04598 .24096 .14493 JB66A1 t 816 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1000-1015 BASED ON AMOUNTS INSURED CANADIAN MEN AGft AT SNTRYt 56 IsBUSS Priob to 1900 in Fobce on ANNiYSBaA&Y IN 1900 $007,900 Immmwmm 1900 xo 1914, hxausam $892,200 iNSUBr ANCS Ymm EXPOSID TO 1!AUTT 36 37 88 • . • • • • ... 1,000 • • • . • . • • . • • • ... • • • • • • 11,600 12,500 11,500 11,600 Totab 89$i$00 389,10t 4M,1M HylW»MO 317 II lit I AMfiEI€4M- CANADIAN MORTAUTY £XP£IU£NC;£ 1900-1915 BASSB ON AMOUNTS INSUBBD CANADIAN M£N AGE AT £NTRY, 56 fcuiM Tmm TO 1900 m ¥amm on AxmmamAxt in IMO 9107300 Issues from 1900 to 1914, Inclusive $004,800 1 2 3 4 S • 7 8 9 10 11 12 IS 14 15 16 17 18 18 21 22 23 U 26 27 28 29 33 34 86 98^ 78,700 11,500 10,000 IfijfiOO 21^ 26,500 22,000 29,000 10,000 18,000 9,000 18,000 27,500 25,500 7,000 3,000 1,000 84,000 5,000 4,500 2,000 • • • 8,000 8,000 6,000 2,000 6,000 1,000 72,600 35,000 56,500 17,000 24400 8M00 68,500 7,400 7,400 17,200 16,000 12,000 6,000 15,000 5,000 17,000 60,700 6,600 1,000 12,000 6,000 9,000 13,000 6^ 11,000 5,000 2,000 1,000 58,400 52,500 27,200 30,000 17,000 18,000 6,500 13,000 2,000 14,000 7,000 8,000 2,000 20,500 6,000 1,000 6|M0 • • • 1,000 2,000 16,000 2,000 2,000 7,000 86,500 15,000 1,000 8,000 7,000 18,000 18,000 6,000 1,000 8,000 9,600 6,000 40,600 9,000 4,000 15,000 ijooo 6,000 4,000 6,000 1,000 19,000 4,000 5,000 2,000 EZPOMEDTO 604,800 559,800 544,000 471,800 484,800 404,800 886,800 335,800 300,900 305,500 283,300 270,800 260,800 267,800 249,800 243,800 226,800 160,100 189,006 167,000 118,500 108,000 97,000 67,000 6M00 63,000 42,000 35,000 32,000 8I1OOO 18,000 9,000 4,000 3,000 3,000 MOB- TAUTT .00867 .01380 .00496 .018U .10870 .04985 .00327 .02824 .02690 .04994 .02402 .00410 .03527 .05996 .08697 .24261 .07595 .03704 .15463 .17910 .18798 .11821 .09524 .17143 .03125 .61290 .66667 818 AMERICAN • CAN ADiAN MORTAUTY EXPERIENCE 1900-1915 BABKD ON AMOUNTS INSURED CANADIAN MEN AGS AT ENTRY, K IKOSB PbIOB to 1900 IN FOBCE ON ANIOTKBaABX Ui 1900 $428,400 1800 TO 1914, iMcabuanrx |57£.000 1 2 3 4 S 6 7 8 9 10 U IS IS 14 16 17 18 19 SI 82 26,700 30,200 42,000 18,500 SMM 16.000 18,000 38,000 8,500 •7,000 18»60O 11,000 8,500 30,000 1^000 8,000 17.800 5,500 15,000 10,600 • • • • • ^000 4,000 2,000 1,000 SilMO 86,200 68,000 39,500 42,000 tr.000 18,700 3,000 9JBM 1S;000 57,000 7,000 8,000 11,600 18,700 18^ 8.000 3,400 WOO 1,000 11,000 1,500 26,000 • m 1,000 2,000 • • • 46,700 26,500 9,000 8,000 6k000 7.400 12,000 8000 5,500 3,000 • • • S^OOO 1,000 8^000 • • • 2jOOO 1,000 • • • • • • • • • 3.000 2,000 10,000 8,000 10,000 U.800 2,000 2,000 2,000 SjOOO 8,000 9,000 16,500 AQOO 2.500 16.500 84,000 8.600 UjOOO SMOO 4,000 9,500 1.000 7,M0 17,000 3,000 4.000 2,000 • • • 1,000 • • • expobbd to Risk 575,000 466,800 402,500 888,000 SiS^GOO 859,600 827,800 809,800 827,100 845,500 286,000 275,500 28MX)0 185,900 185,900 181,000 148,500 IMyOM 114000 81,000 77,500 55,500 48,000 4MM0 HOOO 10,000 6,000 4,000 iJOOO MOO RmioT TALITT .00848 .02142 .01988 .02577 .08700 .00610 .00646 .00611 .00907 .02815 .03147 .05989 •12811 . OgOg JfMfi .01816 .08876 J8786 .05724 J08888 Mm .04988 .17117 .02088 JL7078 .16607 III III .4( .88888 iKOOO m AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT ENTRY, 57 Issues Pbiob to 1900 in Fobce on Annitsbsasx in 1900 $428,400 IfHSWiMH liMO XO 1914, iHGUoam $675,000 Insub- ANCB Ymtm SjLunuN Dbad SXPOBED flO Risk TALITT 36 37 88 80 40 3,000 1,000 1,000 1,000 1,000 .66667 ... ... ... ... ... ... ... ... ... . • • ... ... MOO Totals 428,400 518,400 188,200 296,800 7,108,200 AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT BfimT, H 90 IW U MWf $46)2,600 1 2 S 4 S 6 7 8 9 10 11 12 18 14 15 16 17 18 19 21 22 23 24 27 28 29 80 81 Totals 28»200 48,000 13,500 115,500 18,500 19,000 89y000 8^ 30,200 6,000 14,000 22,500 87,000 12,600 16,500 4,000 6,500 4,000 8»000 3,500 5,000 6,000 • • • 2^ 3,000 ■ • • 2,000 462,600 85,000 14,000 11,800 25,000 16,000 25,500 15^ 18,000 81,600 16,000 9,400 2,000 8,600 4ioo 7,400 14,000 6,500 4,000 2i,600 1,000 2,000 2.000 WiTBUUWN 10,( 276,800 42,000 81,400 12,800 27,800 1,000 7,000 1,000 18,000 6,000 12,000 8,500 2,000 1,000 7,000 Dbao 2,500 6,000 2,500 • • • 5^ • * • 1,000 2,500 191,500 16,500 5,000 88,000 4.000 8,000 1,000 12,500 18,000 100,000 16,000 7,000 10,000 12,000 17,600 %m 28,700 13,000 18,000 16,000 10,000 17,000 10,500 9,200 5,500 2,000 9,000 1,500 4,000 7,000 4,000 6,000 8,000 429,900 TO 435,600 866»800 882,900 819300 378,000 373,500 359,000 869,800 888,500 226,200 189,200 178,300 186,800 205,300 199,800 196,300 164,200 143,700 120,700 97,700 86;200 70,700 60,700 55,500 45,000 45,000 86,000 84,500 20,500 15,500 11,500 5,500 2,500 5,691,200 Batbof .03788 .01369 .01268 .01587 .00268 .03482 .04874 .29965 .06681 .03700 .05609 .06424 .08524 .04014 .14620 .07917 .12526 .13256 .10285 .19958 .14851 .15157 .09910 ( \AAAA •V MM MM •4 .04286 .11594 .34146 .25806 .52174 •54545 322 AMERICAN . CANADIAN MORTALITY EXPERIENCE 1000-1916 BASED ON AMOUNTS INSURED CANADIAN MEN AGS AT INimY* f9 teusB Pbiob to 1900 IN FoBCB ON AraavaMAsr ur 1900 $382,100 1900 TO 1914^ iMOUomwm. 6i96yi09 Insub- AMCB 1 2 8 4 5 6 7 8 9 10 11 12 18 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 80 81 82 84 35 Tolali Entkreo 41,000 82,600 88,700 7,000 62,200 59,400 10,700 12,000 14,500 11,000 16,000 9,000 12,000 8,000 20,000 12,000 4,000 7,000 2,000 2,000 2,000 2, 88i|iii Existing 172,200 25,800 16,000 42,000 25,900 15,000 5,000 20,000 1,000 9,000 9,000 3,000 10,000 m m m 4,000 10,000 4,000 4,000 oioo 10,000 5,000 1,000 9,500 6,000 4,000 5,000 LWN 86,000 21,000 6,000 14,400 4,000 14,500 8,400 7,000 1,000 4,000 3,000 3,100 1,000 20,000 15,000 8,700 1,000 Dead 2,000 1,000 2,000 3,000 5,500 16,400 16,000 5,000 10,000 40,000 4,500 3,000 88,200 11,000 2,000 8,000 3,000 36,000 16,000 6,000 2,000 8,000 13,000 5tOOO 3,000 2,000 3,000 8,000 1,000 1,000 253,669 BXPOBBDVO Rate OP Mob- 470,200 801,000 285,800 295,500 243,100 269,900 288,400 264,700 244,700 247,200 205,200 204,700 204,600 167,400 144,400 143,400 137,400 184,400 101^ 88,400 71,500 61,500 53,500 54,500 82,000 21,000 18,000 13,000 5,000 5^ 2,000 2,000 2,000 2,000 1,000 4,789,899 .00425 .00882 .00700 .01015 .02262 .06076 .05646 .01889 .04087 .16181 .02193 .01466 .18671 .0^71 .01385 .05579 .02183 .26786 .14798 .06787 .02797 .04878 .28853 .15625 .14286 .11111 .23077 .60000 .50000 1.00000 323 AMfiRICAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT £NT&Y, M folMmftecsoiiAiniivBBaABTiN 1900 $1281,400 IWO TO 1914, iNCLusiyB $S52»000 1 2 S 4 5 6 7 8 9 10 u 12 IS 14 15 16 17 19 21 22 23 24 27 28 29 91 32 82,000 41,800 14,100 17,000 15.000 11^ 9,000 13,400 4,000 81,000 18,000 9,000 U,000 7,000 14,500 1,000 1,000 2,000 %M0 9A0O * • • 2,( Totob 281,490 21,000 26,500 11,400 10,000 Ajm 8^000 Mjno 9,700 8,000 5,000 21,500 19,000 11,000 21^000 8i|000 3,( • • • 6,000 4,000 1,000 " IfOOO 12,000 • • • 3,000 3,600 1,000 61,400 26,000 12,000 8,000 1,M0 4,000 2,000 18,000 9^00 1,000 14^ 1,000 • • • 2,000 1,000 • • • 1,000 1,000 6,000 ■ • • 13,000 1,000 2 8 4 5 17,500 7,000 15,000 7^ «■ « AAA 11,000 1,000 2,000 3,700 9,000 8,000 5,000 1«080 • • • 13,500 5»000 1,000 161,600 143,600 148^ 188,800 144,900 .09401 .08411 ft V 7 8 9 10 1 IWIA lyVUU 87,8(M) 11,000 2,000 • • * 8,000 18,000 7,000 6^000 2,000 11,000 1,000 5,000 17^ • • ■ 18,000 6^ 121,500 117,500 120,500 105,500 102,800 .14988 Mm 11 MM, 12 14 If 1 AAA • • * 5,000 11,000 6^000 7,080 6,000 3,000 • • • • • • 1,000 • • • 6»600 7,000 1,000 2,000 12,000 • • • 73,000 61,000 52,000 52,200 42,200 .09589 .01639 .03846 990fiO le 17 18 If 18 • • • • • • • • • 4^800 • • • • * • 2,500 • • « • • • • • • • • • • • • • • • 8,000 ■ • • 5,000 8,000 47,700 47,700 36,700 36,700 85,700 .16771 .13624 .18807 21 22 23 24 88 • • * • • • • • • • ■ • 2,000 MOO • ■ ■ • • * • • • 5^000 • • • • * • 2,000 8,000 • • • 1.200 27,200 25,200 17,200 3,200 8^ .0068 .23810 .87500 26 • • • • • • • • • 4^ 4|00O ] .08000 Totals 11U88 H4i|il88 71«888 f7,988 lJi7,7H AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900*1»15 BASED ON AMOUNTS INSURED CANADIAN MEN A6B AT ENTRY, 43 hmm Fwmm to looo in Fomcm • • > • • • ■ • • • • • • • • # • • • • • • 1,000 • • • MOO • • • 5,000 17,100 IMOO 16,100 12,100 13,600 1 .06848 .19868 U 17 18 19 2Q • • • • • • • • ♦ • • • ■ • • • 7,100 • • • • • • • • • • • • • • « • • • • • # • • • • • • • • a « • • 1,500 • • • 13,600 ! 6^ MOO 6,500 6,000 .28077 U • • • • • • • • • 5,000 1 .00000 Totals 21,7M 4iM00 m AMERICAN - CAN ADIAN MORTAUTY £XP£Ri£NC£ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AG£ AT ENTRY, 67 Issu£8 Prior to 1900 in Force on ANNiVERaART in 1900 $14,500 IflsuBS FROM 1900 TO 1914, Inclusive AMOa Ybab exposed to Risk Raxbot 1 2 3 4 6 6 8 9 10 U 12 13 14 15 16 17 18 19 20 21 Totak 3,500 1,000 1,000 1,000 3,000 3,000 1,000 1^ tijm 1,000 2,000 2,( 4^ 2,000 2,000 1.000 • • • • • • 3,000 1,000 1,( ■ l.< 8.000 8,000 • • • 1,000 1^ 1,000 2^ • • • IMOO 16,000 19,500 19,500 18,500 17^ 17,500 18,500 20,500 23,500 20l500 17^ 16,600 12,500 12,500 9»500 7,000 6,000 4,000 4,000 4,000 3,000 um 287.000 .05128 .05405 .04255 .17148 .19866 .08000 J5789 .25000 .68667 AMERICAN - CANADIAN MORTALITY £XP£RIfiNC£ 1960-1915 BASED ON AMOUNTS INSUABD CANADIAN MEN Asm AT BmtT, u Issues Pbiob to 1900 in Foaoaoir AnaiaHMMFBi MM. M1M9 Jmnm wmau WO lo i»U, Ii W MWif . -w""!!!!!!!!!!!!!!!!$«l|400 Emtbrbd 11,100 86,000 81»M0 2» ExiATOfO 2,000 ^000 IfOOO 6,< 7,400 WmuMuwv 1,000 4,700 8,400 1^ 20,000 1^ 1. 2,000 BsporaD TO 2MM 29,500 61,800 74,400 71,400 70,400 «»^ 88,400 18,400 14,400 14,400 14400 IMOO 104M 10,400 8,000 2,000 2JM 2,000 2,000 2,000 2,000 2,000 2,000 U2,m 332 AMERICAN. CANADIANIMORTAUTY EXPERIENCE 1900-1915 BASED ON AMOUNTS INSURBD CANADIAN MEN AGfi AT fiNTRY,^69 lasTTU Pbiob to 1900 in Fobcs on AranrxBB&BT in 1900 $18,0M ISBCTB fBOif 1900 TO 1914, Incltjsive $9,000 1 2 8 4 S 6 7 8 9 10 U 12 18 14 16 16 17 18 fijDOO 6,000 12,000 SkOOO 1,000 6,000 1,< 1,000 6,( l.< 1,000 14,000 Exposed to Bisk 9,000 8,000 7,000 7,000 7,000 18^000 14,000 9,000 8,000 8,000 3,000 2,000 2,000 1,000 1,000 1,000 1,000 MOO 102,000 Rate 01 MOR- lAIAT .imi JStflU ma .62500 .38888 1.0(MMM AMERICAN . CANADIAN MORTALITY EXPERIENCE BA8BO ON AMOUNTS INSURED CANADIAN MEN AGE AT SNTRY, M fteOB TO 1900 IN Force on AsmywaaAsa in 1900 giT ooa Ikusb fbom 1900 TO 1914, Incltoitb MJMW ^fCX 1 2 S 4 6 6 7 S 9 10 11 12 U 14 15 16 17 It 2,000 • • • 2,000 2,000 5,000 MM 1,000 10,000 14,500 8,000 MM fl^OM 6,000 6,000 ^1,000 21,000 20,000 20,000 20,000 20,000 16,000 UbOOO 10,000 10,000 10.000 MUM MoB- TAUTT .047a Li IIIIIIIII AMERICAN - CANADIAN MORTALITY EXPERIENCE BAS£D ON AMOUNTS INSURED CANADIAN MEN AGE AT INTItT, 71 FkmioliMiir 1014, 1 2 8 4 5 6 7 8 9 10 11 12 18 14 15 16 Toteb 1,000 MM RSBHCDIO WnwMuwN 4»M8 Dbao 1,000 4,000 4,000 i,MO 5,000 5,000 5,000 5,000 1,000 1,M0 1,MD 1,000 1,000 1,000 1,000 MM 1,000 42»aoo Rate OF Mob- IIIIIIIII 335 AMERICAN • CANADIAN MORTALITY £XF£BIfiNCfi 1900-1915 BAgfiD ON AM0UNT8 IM8UBBD CANADIAN M£N AGE AT ENTRY, 73 ^Kmm ^mm9»nt§mWamtmJtiummmummlM0 $0,000 iMlBMMllfMTOlll^&MMilMTB. $2,000 AMCB EZFOODIO 1 • • • • • • • • • syooo MM 2,000 AMERICAN . CANADIAN MORTAUTY fiXPERU^^ 1900-1915 BASED ON AMOUNTS INSURED CANADIAN MEN AGE AT ENTRY, 74 Ibbukb Pbiob to 1900 nx Fobcs on AmaTEBSABT m 1900 $0,000 JtmoB raoM 1000 to 1914, Incunnra $2,500 Exposed to Bass or Utm- TAUVr AHOB YUB Dm* Risk 1 2 8 4 t • • • • • • • • • • • • • • • • • • • • « • « • • • • • • • • • • 1,000 • • • a • • • • • 2,500 2,500 1,500 1,500 • • • • • • • • • • um Totals 2,500 11,000 m AMERICAN . CANADIAN MORTAUTY EXPERIENCE 1900>1915 BASED ON AMOUNTS INSUfiSD CANADIAN MEN AGI AT BmtT, n lMifliFtaoBToliNWmFarao«AnBvanunr»ltM IMM Hmbimi MMto W14, bmamm IMM Inhub- ANCE Ybab EzmiNe Ratbof MOR- TAUTT 1 2 S 4 • • • « • • • • • • • • • • • • « • • • • • • • • • « • • * • • • • • • • • • • • • • • • « « • 8,000 8,000 8,000 3,000 5 « • . • • • • • • • • • 3.000 6 • • • 3,000 • • • • • • 8,000 • 1«»M8 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 CANADIAN MEN COMPABiaON OF ACJTUAL DEATHS WiTH THE EXPECTED DEATHS CALCULATED BY THE Ganadxan Ulximatb Ratss of Moetality in* DiSURANGB YSAR TO $1,232,200 2^,100 MBrlOO 8,281,800 10^,400 12,087,500 14,008^ 14,92^00 14,86S,e00 15,222,900 15,433,400 15,282,500 14,858,700 14,027^ 14,606,800 13,211,600 12,476,300 11,862,900 10,707,200 9,659,000 9,055,100 8,017,200 7,711MNN> 7,166,700 5,995,000 5,948,500 5,120,900 4»8d%000 4,207,000 8,640,100 3,282,500 2,815,600 %160,700 AOTUAIi $2,000 8,000 12,000 16,500 24,500 29,000 89,500 44,000 41,600 38,300 43,000 30,000 34,600 29,600 40,800 32,000 29,100 45,700 39,000 19,000 31,500 29,000 23,000 14,500 84^ 18,000 14,000 7,100 17,000 2M00 8,000 82,000 62,000 11,000 14,000 $4,200 10,600 20,600 31,700 40,600 49,800 59,200 84^ 64,900 67,000 67,900 67,100 64,800 66^100 8^ 62,500 56,100 53,100 60,900 46i,800 47,600 44,100 42,800 39,300 894001 88,100 33,500 34,900 31,700 8^ 29,400 28,400 26,100 24,000 19^ 50 61 53 54 55 56 67 EXPOSBDTO 59 60 61 62 68 84 65 66 67 68 89 70 71 72 73 74 76 76 Totals $2,190,700 1,660,700 1,872,100 1,355,800 1,103,200 892,200 604,300 676,000 mjMO 470,200 352,000 260,500 161,600 124,400 12M0O M,800 51,300 16,000 21,400 9^ 14,500 4,000 2,000 2>600 8,( 8889,713,000 Actual $10,800 9,000 22;080 4,000 2,000 8,000 15,000 2,000 iMjm 2,000 5,000 14,500 • « • • • • • • • * • $1,040,300 $21,600 17,600 IMOO 18^ 14,900 13,100 9,700 10,000 9,700 7,900 6,400 4,400 8,700 4,000 2,300 2,000 700 1,000 600 800 200 • ■ • 100 200 800 $1,691,600 830 AM£RK:AN . CAN ADIAN MORTALITY EXPERIENCE CANADIAN MEN OnHMami or Acttub Itmuam Wm rwm Biwump IHusat CUunumD vr nn Cahahak UiooiAn Ratw ov IfoaxAurr 2D INSURANCE YEAR Exposed TO Risk $968,500 2,277,300 4,090,300 5,845,400 M4O,500 9,508,000 10,219,000 10,099,800 10,57JU500 10^084,500 10,767,100 10,927,900 10»730.000 10,535,300 9,749,400 8,906,500 8,074,300 8,085,000 7,426,200 6,848,400 5^96^900 6^896,600 5,454,000 4,709,300 4,533,500 3,879,300 9»861,7M 3,308,600 2,699,200 2,483,700 2,097,300 1,76^00 Actual Deaths $3,000 11,000 11,000 29,500 45,300 57,000 21,000 38,500 32,400 35^000 42,000 Expected Deaths 31,500 29,500 34,000 21,300 24,100 16,000 18,900 30,000 18,500 43,000 18,000 16,000 17,500 5,000 23,000 6,000 20,000 26,000 29,000 21,100 6,000 15^000 $3,400 8,400 15,700 23,200 41,100 44,700 44,400 46,500 46,200 46,500 47,000 45,900 44,800 41^ 40,800 39,100 35,900 36,900 35,100 88,600 30,400 31,400 30,400 27,600 28,100 26^ 27,000 24,600 21,500 21,200 19,200 17,800 Age at Entbt expobboto Risk 50 51 52 53 K 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 78 74 75 76 Tuiiik $1,777,100 1,360,000 975,000 1,020,800 916i600 726,700 559,800 466,800 365,300 301,000 297,200 221,600 143,600 95,000 105,800 56,100 47^ . 19,500 29,500 ^,000 8,000 4»000 Actual Deaths • • • 2p600 3,( 6Ml^f9Mii§69 $lf9§4|999 $11,600 3,000 10,500 6,000 28,000 . 2,000 10,000 5,000 1,000 • • • 13,500 • • • 2,000 l^OOO 1,000 Expected Deaths $18,900 15,700 12,200 13,800 UL600 11,600 9,700 8,900 7,600 6^ 7,aoo 6,000 4,200 3,100 3,700 2,200 2;ooo 900 1,600 400 500 800 200 800 fU87JN S40 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1015 CANADIAN MEN CoMFABiaoN or Actual Dbatbb With thb Expbotbd Dbathb Calculax» bt tbm Canadian Ultimate Rates of Mobtalitt 3D INSURANGB Y£AR Exposed to Risk $798,600 1,950,000 3,382,900 4,g73,800 6,881,800 7,830,700 8,385,000 8,232,500 8i68i,B00 8,747,000 8,712,400 8,757,400 9,016,700 8,879,700 8,709,600 8,054,100 7,924,800 7,524,100 6,702,000 6,808,900 6,906^ 6,775,200 5,117,000 4,952,600 4,508,900 4,050,600 8,906^ 9378,300 M82.400 2,815,100 2,377,400 2,096,900 1,864,800 1,687,100 Actual Deaths $14,000 12,000 24,000 28,000 19,000 25,000 21,000 27,500 mjm 21,400 34,600 32,000 20,000 14^,200 88,800 16,800 19,500 31,000 20,000 24,300 29,500 18,700 16,700 24,000 29,700 32,000 28,700 24,000 18,000 54,200 30,400 23,400 12,000 4,000 Expected Dbatbs $3,000 7,500 13,400 20A00 24,800 29,700 34,200 36,900 36,200 87,900 88,100 37,600 37,700 38,600 87,700 87,100 84,600 34,500 33,500 30,600 32,200 80,900 29,600 27,300 27,600 26,500 25,100 25,700 28^ 25,200 22,400 20,300 19,200 18,400 16,400 Age at Emtbt 50 51 52 58 64 55 56 57 58 59 60 61 62 63 64 65 67 68 69 70 71 72 78 74 75 76 Totek Exposed to Risk $1,447,800 1,142,800 801,600 887,700 02,999 659,200 544,000 402,500 362,900 285|p800 287,000 226,800 146,600 98,400 11^,800 5U00 41,400 19,500 61,800 7,000 8,000 1,500 3,( |a97,lM,999 9Ui3M09 Actual Deaths $10,000 70,200 7,000 3,000 7»060 13,000 • • • 8,000 33,000 2,000 18,000 1,000 5,000 2,000 6,000 8,600 8,400 • • • • • • • • • • • • Expected Deaths $16,700 14,300 10,900 13,100 18,000 11,500 10,300 8,300 8,200 7,000 7,700 6,700 4,700 3,500 4,400 2,200 1,900 1,000 3,400 400 500 400 100 • • • 8Q0 $1,1H9M ML AMERICAN - CAN ADIAN MORTALITY EXPERIENCE 1900-1015 CANADIAN MEN COMPABISON OF ACTUAL DEATHS WiTH THE EXPECTED DeATHS CALCULATED BT THB Canadian Ultimats: Rates of Mobtalitt 4IU INSURANGS ¥£AR 10 $667,100 1,642,600 2,819,400 4^600 5,872,700 6,622,200 7,218,900 7,080,000 7iMMW Actual 7,536,600 7,392,000 7,302,400 7,659,600 7,208,400 6,926,700 6,719,300 6,256,800 6^78M00 5^,900 5,^S,900 4,962,600 4,547,700 4,341^ 8,989,700 S,C44,200 3,882,900 2,914,200 2,831,600 2,487,100 2488,000 1,897,600 1,(575,700 1,405,900 $4,000 11,000 9,500 16,000 tSSjBM 23,000 39,000 43,000 23,000 32,000 25,000 30,000 31,600 «8iI00 46,100 11,000 42,400 19,000 17,900 18,600 28,200 5,000 86^ 16^500 22,600 29,000 25,100 14,000 2,000 9,000 9,000 12,000 32,000 EXPBCTBD $2,600 6,500 11,600 17,000 21400 25,700 29,100 31,800 30,900 82400 32,600 31,800 31,300 32,600 81^ 814NN) 30,100 29,900 28,600 27^ 28,400 27,600 26,500 25,400 25^ 24,700 28,900 28,600 21,700 22,500 21,200 20400 18/700 16,800 16,200 Age AT 50 51 52 M 55 56 57 58 69 60 61 62 63 64 66 66 67 68 69 70 71 72 73 74 76 76 Totals TO $1,297,800 976,100 670,600 810,600 786^ 597,100 471,800 388,000 319,300 291^600 264,700 217,100 138,600 101,900 99,700 48,800 40,000 18,500 74,400 7,000 8,000 6,000 - 1,500 8,000 $177,414,300 Actual $23,000 4,000 2,000 KAOO 7,000 7,000 • • • • 10,000 4,000 1,000 6,000 1,000 2,900 $878,800 Expected DB41 $16,200 13,200 9,900 18,000 12^ 11,300 9,800 8,800 7,900 8^ 7,800 7,000 4,900 8,900 4400 2,200 2,000 1,000 4,500 600 100 • • • 200 • • • 400 }1,009,000 342 AMEWC AN - CANADIAN MORTALITY EXPERIENCE 1000-1015 CANADIAN MEN COMPABISON OF AcTUAL I>BAnB WiTH THB EXPBCTBD DbATBB Canadian Ultimate Rates of Mortality 5TH INSURANCE Y£AR Bkpobedto $566,600 1,410,600 2,421,900 8,640,000 4,178,200 5,043,200 5,809,400 6,219,200 6,223,500 6^,100 6,552,800 6,362,600 6,229,200 6,539,800 6^700 6,243,500 6,020,800 5,760,600 5,535,000 5,110,600 4,782,400 4,415,800 4,048,900 3,728400 3,612,600 8,229,700 2,997,800 2,642,800 2,422,500 2,142,100 1,988,300 1,782,700 1,894,800 1,242,100 Actual Dbathb $3,000 8,500 18,000 18^000 18,000 22,000 26,000 22,500 37,500 26,600 20,000 18,000 24,700 36,800 26^ 18,500 33,000 24,000 22,500 21,000 16,600 24,600 19,500 20,000 28,200 35,500 12,000 9,000 14,000 9,000 8,300 24,600 Expected Deaths 8,000 20,000 $2,200 5,800 10,200 16,300 19,800 22,200 25,600 27,300 27,100 27^ 28,200 27,200 26,500 27,900 27400 27,200 26,800 26,300 26,200 24,900 26,100 26,200 24,600 23,800 23,100 23,100 22,600 22,800 21,000 20,700 19,600 19,600 18»600 16,100 16,600 Age at Entry 50 51 52 63 64 55 56 57 58 69 60 61 62 63 64 Exposed TO Risk 66 67 68 69 70 71 72 73 74 75 76 ToIbIb $1,162,200 861,200 609,700 742,400 697400 576,100 434,800 346,500 378,000 243400 262,700 208,100 144,900 92,900 98,300 46,400 82,800 17,500 71,400 7,000 6,000 5,000 1,500 $154,772,000 Actual Deaths $16,000 10,300 23,000 7,000 10,700 3,000 6,000 • • • 6,000 6.600 6,700 • • • 1,000 1,000 2,000 Expected Deaths 88]4i|888 $15,700 12,700 9,700 12,900 18,200 11,900 9,800 8,500 10,200 7,200 8,600 7,100 5,600 3,900 4,600 2,300 1300 1,100 4,700 500 500 400 200 400 $924,7tt 348 AMERICAN -CANADIAN MORTALITY EXPERIENCE 1000-1915 CANADIAN MEN Ommmmm m AgmM» J^mmm Warn ram ExncrmD Deaths Calculated by the Caxaoiah ULfnuATB Rates of Mortality 6TH INSURANCE YIAR Mbai * Exposed TO Actual EXPBCTED ftnn Risk Deaths Deaths 16 $482,6(K > . . . 12,000 16 1 226 20r ) 9i7 rwv 17 2 102 W k Q 1AA 18 046 QOT 1 7 AAT f lo,oUU 19 8k.7ttL2M] ^^^^ w^p^iW^III^^F% i 1A AAA \ w,m ^ 19,900 21 6 129 Ifld ' ^,OUU 22 5 531 20(1 1 CM AAT) k 9/1 1 AA 2i I A7 rwvi i 00 QAA 21 25 5^779^ 21,080 24,700 fMI AAA 00 QAA 2T on AAA 00 QAA 28 Oyl OAA 29 f OpXUv 14.500 Oil OAA 4ft»AUU 5,474,500 15,000 24,400 n 17 MIA 28,800 tt Ilk QUA 24,500 88 2x,0UU OA 1 AA Si A AKf; AOO OA CAA OU,0UU 00 OAA 35 4.507.000 27 000 9A 000 86 4,206,500 18,500 28,600 37 3,998,300 28,000 28,600 88 8^688^ 26,200 22,600 it Mmjm 14,700 22,400 m 3,218,700 26,000 22,500 41 2,943,400 17,700 21,900 42 2,730,500 45,300 21,700 43 %822,500 29,600 VMjm 26^700 19,800 1 46 1,874,000 11,000 18,500 48 1,708,700 9,300 18,200 47 1,573,200 18,000 18,100 48 1,238,200 5,000 15,500 48 21,600 16400 Aoe ai Entry ExpoMPlO Actual IhlAIBi > 50 > 51 ) 52 68 64 $1,065,10( 737,00( 664,10( 89MM ) |9,00( ) 3,00( ^ 14,20c ^ MM ) ym ) $15,700 ) 11,800 ^ 9^ \ i84no 1 13,600 55 56 57 58 69 483,60C 404,300 359,500 373,500 ► 16,000 ► 2,000 ► 13,300 » 1,000 18y480 ► 10,900 > 10,000 9,700 11,000 9,700 80 61 62 63 64 263,000 181,700 121,500 107,900 9M00 2,000 • • • • • • 8,300 4,000 9,300 5,100 1 5 100 5,000 4,W9 86 68 67 68 69 87400 82,800 17,500 70,400 13,000 • • • 1,000 • • • 1,000 • • • 2,100 2,000 1,200 5,100 1,000 70 71 72 78 74 6,000 1 • • • 1 • • • • 1,600 • • • • • • • • • ■ • • • • • 600 GOO 1 • • • 1 • • • 200 75 76 1 • • • • • • • • • 1 • * • 400 Toteb $864,209 S44 AMERICAN • CANADIAN MORTAUTY EXPERIENCE 1900-1915 CANADIAN MEN CoM P AWHON OF AcTUAL Deaxes Wm THIS EDBonft Ohmm CMMdoauam wt rmm 7TH INSURANCE YEAR Ami av SiPMIAfD Actual Expected Aoe ai Exposed TO Actual Expected Dbamm lAMnn KHlAf Deaths Deaths 16 $406,100 $2,000 $1,700 60 $914,800 $11,500 $15,100 16 1,08S^ > 7,000 4,600 51 655,700 17,000 11,400 11 1,887,700 7,000 8,000 52 517,000 13,300 9,800 18 2,710,300 10,000 11,900 53 569,900 3,000 11,800 19 3,329,500 12,500 14,600 54 586400 10,700 18400 20 4,071,800 12,000 17,900 66 488400 11400 11,400 21 4,631,600 16,600 20,200 68 888400 7,000 10,400 22 4,978400 10^ 21J00 S7 097 QAA 2,000 y,ouu 28 4,877,700 24,600 21,000 58 359,000 12,500 11,500 24 4,975,300 28,500 21,300 59 283,400 16,000 10,000 25 5,222,800 12,700 22,200 60 272,500 10400 26 5,008,400 15,000 21,300 61 106^700 2;000 4,^ 27 5,034,100 17,600 21400 88 117,600 • • ■ 5,400 28 6^^)0 16,000 22,000 68 mioo • • • 5,500 29 6^068,200 8,900 22,400 64 107,800 4,000 5,900 80 4,914,500 20,000 22,500 65 35,400 A • • 2,100 81 4,668,100 17,000 22,100 66 24,300 • • • 1.600 32 4,626,500 10,500 22,700 67 18400 1400 88 4,409,200 24,000 22J00 68 69,400 • • • 5,500 8,986400 29,600 69 14,000 1,200 A 8.967600 11 000 99 ^00 '7C\ 01 AAA • • • 2,000 86 3,841,000 17,000 22,500 71 5,000 • • • fiOO 87 3,606,900 38,000 22,400 38 3,354,000 25,600 22,000 $123448,999 $691,989 Alt,At 89 8421^100 19,000 21400 40 2394,600 16,600 21,600 2,556,700 7,300 20,400 A 2,440,400 31,000 20,800 48 2,041,100 13,500 18,700 44 1,950,400 19400 A 1,699,600 18,000 18400 A 1,618400 26,600 17,800 47 1,410,700 15,000 17,600 A 1,159,500 3,500 15,700 A 992,300 22,400 14,600 1 345 AMERICAN - CAN ADI AN MORTALITY EXPERIENCE CANADIAN MEN ^3mmmmm w homMh Bmam Wrs mm Expected Deaths Calculated mw mm Canadiaw Ultimate Rates of Mortality 8TH INSURANCE Y£AR Exposed TO Risk Actual Deaths $350,100 873,200 1,615,400 2,355,400 3,10^600 4,214,000 4,498,000 4,508,300 4,78^00 4,592,900 4,571,200 4,576,800 4,45^400 4^900 4,269,700 4,031,200 3,656,900 3,708,400 3^500 S^IM 3,132,200 2,826,00( 2,757,900 2,402,300 2,246,300 1,780,100 1,586,000 1,427,000 1,311,600 379,900 $2,000 2,000 6,000 13,000 20,500 13,000 31,500 21,500 24jOOO ujm 19,000 26,000 17,000 33»000 24,000 1^600 18,500 31,000 6,000 29,000 21^ 20^ 18,700 19,900 27,500 24,500 17,600 12,500 8,000 11,000 16,000 26,000 11,600 9,700 Expected Dbathb $1,500 3,800 7,100 10,400 l^M^ 16,200 18,200 19,300 19,300 19|400 20,900 19,700 19,900 20,400 21,200 21400 20,600 21,800 21,500 20,400 21,800 21,900 22,400 21,900 21,100 22,000 20,600 20,600 18,800 19,000 18,300 17,800 17,800 16,000 14,100 Age at Entbt 50 51 52 68 55 56 57 58 69 60 61 62 63 66 67 68 69 70 71 Totals I $875,600 611,600 498,300 682,400 mjBM 473,900 335,800 309,800 369,300 264.700 266^000 98,200 120,500 117,100 106^ 86,400 24,800 20,500 69,400 9,000 21,000 MOO $113,080,100 ACTQAIi Dbaim $3,000 7,000 4,900 8,000 MOO 9,500 36,500 2,000 18,000 6,000 6,600 7,000 18,000 6,300 3i600 36,000 1,000 l^flOO $796,500 Expected DSAIHA $15,200 11,600 10,300 12,000 18,700 12,800 9,900 10,000 13,000 10,200 10,700 4,500 6,100 6,400 6,400 MOO 1,700 1,600 6,000 800 2,200 100 $796,600 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-1915 CANADIAN MEN CoMPABUKlN OP Actual Deaths With the Expected Deaths Calculated by the Canadian Ultimate Rates of Mortalitt flH INSUilANGS YKAR AgK AT Smibt Exposed TO RUUL 15 16 17 18 19 20 21 22 23 24 26 26 27 28 29 81 82 33 34 86 86 87 38 39 40 41 42 43 44 45 46 47 48 49 $309,600 780,500 1,408,700 2,0^,900 2,687,700 3,335,300 3,847,700 4,138,000 4,123,200 4478,600 4,433,900 4,262,900 4,234,800 4,319,300 4479,800 4,182,600 3,946,800 3,988,600 3,807,300 3,607,900 8,486,600 8,878,700 3,192,200 2,965,000 2,670,800 2,666,700 2,280400 2,146300 1,783,600 1,748,800 1,537,400 1,861,600 1,216,900 1,008,000 818,500 Actoal Dbatbs $1,000 9,000 8,000 12,000 7,500 8,000 17,000 9,000 18,000 17,500 12,000 18,500 21,400 19^000 20,600 15,000 25,000 31,900 37,600 12,600 14,600 19,500 12,000 9,000 49,600 20,000 9,500 14,000 7,000 18,000 26,600 24,600 40,000 4,000 I $1,400 3,400 6,200 9,200 11,800 14,400 16,500 17,700 17,500 17300 19,000 18,500 18,800 19,700 19300 20,600 20,200 21,300 21,200 20300 21300 22300 22,300 22,100 21300 21,800 20,700 21,200 19,000 20300 19,200 18300 17,900 16,100 14,300 Agsav 50 51 62 64 55 56 57 68 60 61 62 63 64 66 66 67 68 69 70 71 Totals Exposed fo $839,400 575,500 477,900 496,100 668300 447,600 300,900 327,100 833300 244,700 243,800 106,500 105,500 112,500 96300 80,400 24,300 23,500 33,400 8300 20300 1300 Actual $105,184,700 $6,000 4,500 6,000 9,000 14,000 10,000 15,000 2,000 100,000 10,000 11,000 1,000 6,000 1,000 5,200 1,000 20,000 $807,000 $15,900 11,900 10300 12,200 15,300 13,200 9,700 11,500 12300 10300 11,200 5,400 5,800 6,800 6400 2,200 1,900 2,000 3,100 800 2300 100 $784,700 347 AMERICAN - CAN ADI AN MORTAUTY EXPERIENCE 1900-1915 CANADIAN MEN COMFABISON OF ACTUAL DeATHS WiTH THE EXPECTED DEATHS CaI^CULATBD Canadian Ulumatb Batsb of Mobtautt BT TBI wmmmmMimimm EXPOMD to '$267,400 656,500 2,350,500 3,010,300 3,559,300 3,834,300 8,765,500 4,124,700 4,017,500 3,929,400 4,006,500 8,096,900 3,635,100 3,696,200 3,513,000 8y32i400 ^297,600 8,188,100 3,045,000 2,782,900 2»534»900 2,471,400 24S11,1€0 2,018,100 1,665,400 1,636,200 1,509,200 1,280,300 1416^400 800,100 766,400 Actual $1,000 liOOO 1,000 18^000 11,000 13,000 17,000 21,000 18^ 12,000 20,000 17,000 17,500 12,500 Hiiiilii 9000 34*000 18,500 34,000 IMOO 20,700 10,000 28,500 71,900 17,900 18,000 18,800 24,000 11,500 4,000 32,000 24,600 MJSM 21,500 5,500 Act AT $1,200 2,900 MOO 8,000 10,200 12,900 15,200 16,300 18,000 18,800 17,900 17,900 18,000 19,000 18^ 20,400 19,400 20,600 20,600 20^800 21,800 22,000 22,700 22,200 22,700 21,800 21,600 19,200 20,400 20,400 18^ 17,800 18,000 14,500 50 61 54 55 56 87 58 60 61 62 88 88 65 66 67 68 70 71 Totals $795,700 606^500 118,200 474,100 681,000 416,100 305,500 880,600 28^200 236,200 94,500 102,500 88.000 27,700 19,100 20,500 13,400 8.000 20,000 1,000 897,927,900 Actual $14,800 2,000 10,000 V 3,( 5,000 1,000 8,000 15.000 40,000 2,000 23,000 6,000 4,500 1,500 • • • $777,408 $16,500 11,400 11,100 12,800 14,700 13,400 10,700 12,700 9,500 11,400 11,900 5,200 6,200 8.500 8.180 2,200 1,600 1,900 1,400 800 2,400 100 $772,980 348 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1900-1915 CANADIAN MEN CoifPARisoN OF Actual with £xp£cted Dbaxbb Eonar Enrs Inbttbiwcb Yj Attained Agk 21 22 23 27 28 29 80 81 84 35 36 87 88 89 40 41 42 48 44 45 46 47 48 49 60 51 52 58 Exposed TO &I8K 1182,600 1,682,300 3,485,200 6,057,400 9,075^ 12,501,500 16,203,800 19,973,600 23,358,400 26,410,900 29,689,000 82,4881800 86,031,700 37,542,700 39,914^00 41,993,900 43,761,200 44,947300 46,760,800 46,512,100 47,032,700 47,231,600 47,838,200 47,218^000 47,268,800 46,855,800 46,336,200 45,505,200 44,842,900 48,887,880 42,331,900 41,107,100 40,096,400 38,434,400 87,07fi^ Actual Dbaths $9,000 32,500 16,000 88iXN) 52,500 57,800 108,500 93,500 134,300 136,600 128^700 141,500 138,500 159,500 171,400 222,900 229,200 205,200 211,500 270,000 262,700 292,700 282.400 829,500 314,200 353,500 400,200 394,900 858.700 442,100 409,900 405,000 458,800 621,600 Expected D^TU $2,000 6,900 15,100 26,500 39.800 55,000 71,100 87,100 100,900 118,600 127,100 18^100 149,200 161,100 173,600 186,900 200,000 212,800 224,200 237,700 250,700 263,600 279,600 288400 810,800 327,100 345,200 362,200 378,700 888^580 417,800 438,200 462,300 480,000 608400 DBflATiOir $2,000 -2,100 -17,400 10,500 8.900 2,500 13,300 -21,400 7,400 -20,700 -8400 U,400 7,700 22,600 14,100 15,600 -2^989 -IMM 19,000 26,200 -19,300 900 -18400 10,700 -18,900 12,900 -8,300 -38,000 -16.200 Accumulated DxiriATiONa 24,300 28,300 57,300 21,200 19^ $2,000 , -100 -17,500 —7,000 -100 2,400 15,700 -5,700 1,700 -19,000 -27,400 -16,000 -8,300 14,300 29»400 43,900 21,000 4,400 23,400 49,600 30,300 31,200 18490 28300 9,900 22,800 14,500 -23,600 -8^700 24,200 4,100 61,400 82,600 88300 349 A MKRICAN ■ CANAJMAN MORTALITY £XPSRKMCE 1900-1915 CANADIAN MEN 61 62 63 C4 66 67 68 fl IS 73 74 U 77 78 79 80 81 86 87 VOBOK AciIlAL $35,528,900 33,465,300 31,419,200 29^,400 26,094,200 24,723,500 23,471,700 22,026,500 17,411,900 15,750,600 14,383,800 13»182»1(M) 9,633,000 8,411,600 7^000 6,449,500 4»71MtN> 3,898,200 3^,400 2,586,400 9i210,700 1,774^ 1,113,800 831,900 555,600 378,400 139,400 $579,400 586,700 491,700 fiOMOO 681,200 596,200 649,300 596,400 692,100 €80^300 723,600 859,300 722,400 544,300 712^900 688,200 620,800 701,400 mjm 572,800 4»MM 428,700 421,500 426,700 231,600 246,800 27M0O 213,900 188,700 194,300 127,400 100,700 70,MO 24,200 DaVIATXON $522,600 535,100 547,000 M7400 681460 589,200 609,200 631,900 648,000 86M80 663,300 669,800 662,800 662,100 668^700 Wi^BOO 655,600 634,500 605,700 576^ 554^700 484,100 436,600 398,000 344,600 320,900 280,800 242,000 208,400 169,100 122,600 90,600 68^ 39,100 -$56,800 -51,600 55,300 80^ 8»»900 -7,000 -40,100 85,500 -44A00 -8M0O -60,300 -189,500 -59,600 117,800 -49,200 88,800 -32,600 13,700 -95,700 40,600 -18,100 mm 65,400 15,100 -28,700 113,000 74400 7,000 28,100 19,700 -25,200 -4,800 -10400 -12,100 14,900 $6,400 -45,200 10400 7IM0O 180^ 123,800 83,200 118,700 74,600 86b800 -24,500 -214,000 -273,600 -155,800 -205,000 -172,400 -205,000 -191,300 -287,000 -24M00 -26M0O -237400 -181,700 -166,600 -195,300 -82,300 -9,200 -1,200 26,900 46,600 21,400 16,600 6,600 -6,800 9,300 880 AMERICAN -CANADIAN MORTALITY EXPERIENCE CANADIAN MEN Wtrm Inbtjbance Yeabs Excluded Attainkd Dkyiatioh ACCDMULATEO 90 91 M 96 $111,200 60,200 45^000 1^600 9,000 1,000 1,000 $41,000 11,200 25,500 9,000 8,000 1,000 $33,700 19,700 16,900 7,400 3,700 400 500 Toteb |1,MMM»888 834i^l88 -$7,300 8,500 -9,880 -1,600 -4,300 400 -500 n,18«,588 -$5400 $2,000 10,500 90D —70^ -6^000 -4,600 -5^100 8SI AMERICAN - CANADIAN MORTALITY EXPERIENCE AMERICAN WOMEN AT IT u If 17 18 IS 20 27 30 31 32 87 m 41 42 43 46 47 48 49 BxnRfraD Dmathb Caiculatbd bt thb iCAN Men Ultimate Rates of Mortality 18T INSURANCE YSAR TO Risk 1^8,000 484,900 899,900 JU476,900 2^,700 ^mjM 3,475,900 3,915,400 3,901,400 d,83M00 4jmjm 3,729,200 3,812,400 3,357,200 8405,300 3,193,500 3,081,300 2,901,700 2,777,300 2,561,700 2,051,600 1,948,500 1,778,900 imjm 1,472,800 1,283,300 1,233,500 1,132,300 Actual DSATH8 $27,500 5,000 2,000 11,600 1%M0 11,000 11,000 16,500 30,500 12,000 ia,Goo 18,000 13,500 11,500 12,000 11,000 8^000 14,000 20,500 12,500 8,400 28,^ i^fioe 14,500 4,000 7,800 6,000 24100 12,000 6,000 1,000 3,000 21«000 Expected Koo 1,000 1,800 3,300 1^600 9,200 SUOO 18,700 14,500 16,600 16,800 16^700 17,800 17,800 16,500 17,000 15,000 16^400 IMOO 1^,800 15,300 15,200 14,900 14800 11^800 15,000 12,600 12,700 12,300 11,700 11,700 10,900 11,300 11,200 Age at Emtbt 81 52 53 65 (57 58 59 60 81 70 71 78 iToteb 64 65 66 87 I Exposed TO Risk $878,100 735,300 719,200 567,200 887,200 488,800 880,700 285,400 278,700 264,100 175,200 71,500 44,000 53,000 26,500 22,000 4,000 8,600 5,000 8,000 2,000 1,000 191,798,888 Actual Dkathb 14,00 8,000 2,000 7,000 5,00 4000 4,000 1,000 23,500 Expected Dkatbs 3,500 1,000 8,000 8tfM88 $10,200 9,200 9,800 8,400 8,600 7,600 8,900 5,500 6,300 6,500 4,700 2400 1,400 1,800 1,000 900 200 800 800 200 100 100 AMERICAN - CANADIAN MORTALITY EXPERIENCE 1000-1915 AMERICAN WOMEN CoMFAsnon or Actual Dsathb With thb Expected Deaths Calodlatbd by the AlOBUCAN Men Ultimate Rates of Mortality 2ND INSUSANC& Y£4R TO 40 41 42 43 44 45 48 47 48 49 887,600 208,900 317,800 550,400 88^600 1,454,700 1,876,900 2,331,100 2,681,400 2,747,700 2,755,200 2,978,200 2,920,000 2,792,800 2,811,400 2,557,300 9,549300 Ei887400 2,516,600 2,885,600 2,332,700 2,239,400 2,187,700 l,77€ba00 1,978,500 1,627,300 1,482,600 1,400,500 if2aouioo 1,145,700 996,300 960,700 909,400 724^600 Actual Deaths $8,000 9,000 ^jm 10,000 11,000 15,000 12,500 6,000 8^ 13,000 10,000 7,500 9,000 17,000 ^000 28,000 13,500 10,000 7,000 14,000 1^000 10,000 12,000 11,500 7,000 %000 10,000 6,000 2,500 8,000 4,000 Expected Deaths 1800 800 I, 200 2,100 3,500 5,800 7,700 9,500 9,900 11,600 12,000 12,100 18400 12,900 12,500 12,600 II, 500 11,700 12,800 12,000 12,500 11,900 11,900 12,200 10,400 12,200 10,600 10,300 10,400 9,700 9,800 9,100 9,500 9,700 MOO Age at Entry 50 51 52 53 54 55 68 57 58 59 60 61 68 64 65 66 87 88 89 70 71 73 Totab mm I Exposed to Risk 8720,400 616,100 573,100 497,100 892400 888400 822,700 282,800 245,200 242,100 192,700 51,500 40,000 51,500 26,500 31,000 6,000 3,500 ^jm 2,500 3,000 1,000 868487*888 Actual Deaths $2,000 11,000 5,000 9,000 14,000 9,500 8,500 24,500 6,000 6,000 1,000 8,000 15,000 Expected Deaths 8a3fe888 $9,000 8,400 8,500 8,000 6,800 7400 6,700 5,200 6,000 6,500 5,600 1,800 1400 1,900 1,100 1,400 300 200 300 200 200 • • • 100 AMERICAN - CANADIAN MORTAUTY EXPERIENCE 1800-1015 AMERICAN WOMEN ov Actual Dbaybs With the Expected Deaths CALcuLAXfiD by thb American Men Ultimate Rates of Mobtautt JUa AT 15 M 17 18 2D 21 25 26 27 90 31 32 M 35 36 37 38 40 41 42 43 44 45 46 47 48 49 aiUO INSUJRANG& YEAR Exposed TO Risk m,9oo 260,600 433,900 749^ 1^9,100 1^600 1,919,400 1,969,800 2,312^00 2,373,100 2,428,900 2,620,400 %434,700 2,589,600 2,278,200 2,312,600 2,471,000 2,298,600 2,159,400 2,007,300 1,949,200 IjWO^lOO 1,864,200 1,480,000 1,369,800 1,345,100 1^96^ 1,007,000 904,000 877,400 683,700 Actual Deaths |i>ooo • • • 1,000 1,000 4^ IMOO 7,000 8,000 3,000 8,000 6,000 11,000 11,000 14,000 11,000 10,500 7,000 13,000 11,000 %500 14,300 13,000 11,000 9,500 1%500 11,000 13,000 4,000 6,000 3,000 8,500 4,000 Expected DXATHS ftoo 700 1,000 1,700 8,000 5,000 O^fOO 8,200 8,500 10,100 10,400 10,700 11,600 11,500 10,900 Age at Entbt 51 52 53 54 55 11,700 10,500 10,800 U,800 10,800 11,800 11,500 11,200 11,400 1%100 12,200 10,300 10,200 10,700 10,200 9,800 9,100 9,700 10,200 57 58 59 60 61 68 64 65 66 67 69 70 71 73 Totab Exposed TO Risk $676,000 613,700 603,600 484,600 Actual Dbathb 888,800 829,000 207,300 244,500 253,000 199,200 54,500 57,500 35,500 28,500 39,000 5,00 ^600 6,000 2,500 2,000 1,000 $1,000 3,000 14,500 7,000 18,500 13,000 1,000 6,000 9,000 6,000 1,000 1,500 2,000 1,000 • • • • • • Expected Deaths $9,200 9,100 9,700 8,500 7,000 7,600 7,400 5,100 6,500 7,800 6,800 1,800 2,100 1,400 1,800 1,900 80O 20O 800 200 100 • • 100 $406,300 AMERICAN ..CANADIAN MORTALITY EXFERIfiNCfi 1900-1915 AMERICAN WOMEN Co MPAB iaoN or Actual Djcaths Win rmm Exraono Dun Ammmaw MmAkmmmmtitm or Monum AOE AT Entbt 15 16 17 18 19 21 22 23 24 27 28 30 81 33 84 35 36 87 40 41 42 48 44 45 46 47 48 48 iTH INSURANCE YEAR Exposed TO Risk $71,500 148,900 205,600 861,400 «u,aoo 1,010,300 1,291,600 1,659,100 1,669,300 1*887400 2,038,600 2,111,300 2,286,800 2,301,200 2449,200 2,Q18;800 2,028,300 2,217,400 2,081,700 2,133,000 1,911,900 1,827,800 1,873,400 1,468,100 1,657,000 1,401,600 1,186,200 1,218300 1,084,000 994,800 857,200 821,300 768,900 681,800 AOfVTAL Dbatw $1,000 2,000 4,000 5,000 5,000 7,000 4,000 13,50 7,500 9,00 9,000 13,500 SJSM 12,000 7,000 13,000 9,000 11,000 26,500 16,000 12,000 6,000 6,000 11,500 4,000 7,600 8,000 4,500 11,500 23,000 10,000 8,000 $300 600 800 1,500 2,500 4,200 5,500 7,200 7,300 %700 9,000 9,400 10,200 10,300 9,700 10,500 9,400 9,700 11,000 10,700 11,300 10,800 10,700 11,500 9,600 11,500 10,400 9,400 10300 10,000 9,800 9,200 9,500 9,600 8,000 An AT 50 51 52 54 55 56 57 58 60 61 62 63 64 65 66 67 68 69 70 71 78 Totals $778,500 537300 582300 489,700 347,600 338,300 310,900 220300 288,000 248300 231,200 88,500 60,000 34,500 28300 39,000 13,000 3,500 3,000 2300 2300 1,000 Actual $55,054300 $5,000 4300 4,000 11,000 2,000 2,000 4,000 830 6,00 8,00 3,000 2,000 Expected 1,000 $346380 $11,500 8300 10,400 9,300 7,200 7,600 7,600 5300 8300 7,700 7,900 3,300 2,400 1300 1300 2,000 700 200 200 200 100 $295380 iM 355 AMSRIGAN- CANADIAN MORTAUTY EXPERIfiNCfi 1900-1915 AMERICAN WOMEN AmicAH linr Uudutb Raxib or Mobtautt 5TH INSURANCE YEAR Age AT 1 Exposed Actual Expected Deaths AOE AT Exposed TO Risk Actual Deaths Expected Deaths 167,600 m^Mo 170,600 294,600 499,200 822,700 1,062,400 1,406;900 1,487,000 1,740,400 1,785,400 1,860,200 2,002,600 2,627,200 1,962,800 2,124,900 1,860,800 1,841,300 2,068,600 1,M1,760 1,956,100 1,795,000 1,733,600 1,688,500 MAMOO 1,325,600 1,089,000 1,153,400 881,000 760,200 743,400 654,300 5^000 6^ 8,500 5,000 5,000 7,000 10,000 18,000 5,500 5,000 13,400 12,500 18^ 8,000 7,000 10,500 9,000 - ^l|660' 6,000 8,000 6,000 3,000 1^000 4,000 5,000 7,500 9,000 6,800 1800 600 700 1,200 2,100 3,500 4,600 6,100 6,800 7,700 7,900 8,300 9,000 MOO 9,000 9,900 8,900 9,100 10^ 10,860 10,900 10,500 10,700 11,000 8,700 10,700 10,500 9,300 10,600 10,600 10,200 9,600 9,500 10,100 9,700 50 61 52 53 54 55 56 58 59 60 61 62 64 65 66 67 70 71 73 9760300 466,000 588,000 471,200 328,100 348,400 848,900 286,800 232,800 225,900 91,500 66,000 85^ 2M0O 39,000 13,000 5,500 2,000 1,000 2,000 • • • 1,000 66^^2S6{,966 tl8J00 7,000 7,500 27,000 9,000 ' 4,000 4,000 2,000 1,000 2,000 1,000 8,000 4,000 5,000 1,000 • • • • • • • « • |1%9D0 8400 11,200 9,700 7,400 8,500 9,800 6,600 9,100 8,000 8,400 3,700 2,800 1,100 1,300 2,200 800 400 100 100 200 • • • 100 MS AMERICAN - CANADIAN MORTALITY EXPERIENCE 1900-m5 AMERICAN WOMEN COMPABUON OF ACTUAL DEATHS WiTH THE ExPECTED DeATHS CALCULATED BY THE American Men Ultimate Rates of Mortality «TH INSURANGB YEAR Age at Entbt Exposed TO Risk 15 16 17 18 19 20 21 $65,500 109,800 141,300 251,100 387,200 701,200 888,900 1,257,900 1,254,500 1,521,000 1,568,600 1,689,700 1,782,100 1,807,800 1,743,200 1,936,800 1,689,800 1,698,100 1,868,100 1,779,600 1,769,800 1,644,300 1,619,500 1,315,400 1,332,200 1,192,200 1,059,400 1,074^ 841,900 888,200 805,700 714,700 687,400 662,000 Actual Deaths $2,500 • • • 1,000 5,000 4,000 2,500 5,000 6,000 7,000 8^000 17,000 10,000 8,000 10,000 7,300 7,000 5,000 2,000 15,000 11,000 15,000 28,000 18,000 8,900 11,000 5,000 7,000 9,000 4,000 13,000 4,000 8,000 8,000 Expected Deaths $300 400 600 1,000 1,600 8,000 3,800 5,500 5,500 6,700 7,000 7,800 7,900 8,300 8,200 9,300 8,300 ^700 9,900 9,900 10,300 10,100 10,600 10,600 9,800 10,600 10,200 9,700 10,600 10,100 10,300 10,100 9,700 10,200 10^ Age at Entbt 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 73 Totab Exposed TO Risk $728,300 444,000 549,000 503,700 334A00 889,900 889,400 218,800 290,800 244,300 251,400 94,500 68,000 31,500 25,000 34,000 12,000 4,500 2,000 1,000 1,000 • • • 1,000 $45,855,466 Actual Deaths Expected Deaths $8,900 13,500 4,000 12,600 5^ 8,000 3,000 7,000 20,500 13,000 • • • 7,000 • • • 1,000 2^,000 • • • • • • • • • $372,266 $12,700 8,400 11,400 11,300 8i200 10,400 9,900 6,900 10,000 9A00 10,200 4,200 3,000 1,600 1,400 2,100 800 800 200 100 100 • • • 100 $389,166 357 AAffiRICAN • CANADIAN MORTALITY EXPERIENCE 1900-1015 AMERICAN WOMEN CSoMRiWnr m Aem/tL Bbatbb With thb Expected Deaths Calculated by the AmncAN Men Ultimate Rates of Mortality TTH INSURANCE YEAR Actual Age at EXPOSKD ACTUAL JSXPECTED EMHnr Dkathb Entbt TO Bisk Dsatiu Dkathb A^flMik 4»4HflP 16 160,600 • • • IMO 80 |7S6,100 $12,500 $14,400 I€ 86^800 18,000 ol 434,000 9,000 9,000 17 • • • ouu 500,500 10,500 11,300 18 215 600 1,000 OO 480,900 5,000 11,800 19 318 200 Hi 1 04 QQfr ^ /Wl 12jOOO S^700 90 621,200 6 000 2,700 66 MOiMO 11,S00 21 763 600 2.000 S80^ ^JSo 11,100 82 1122.900 6,000 Of M9,600 8,000 7,200 S8 IjII^ 700 11,000 Oo 275,300 18,000 10,300 24 9000 0,9UU 216^ 9,600 8,800 S5 1,418,000 5,000 6,400 60 242,900 2,000 10,700 26 1 474 900 9,000 0,1 UU Ox lOMOO 4M0 6^000 27 1 666 800 12,600 8k SMOO 8.000 8,000 88 1.841.900 fl ,fvU tut 39,600 2,200 I, OUU 27,000 • « • 1,700 80 1,789,000 13,200 8,800 65 32,000 • • • 2,100 n 1 544 600 5,000 <,I7UU 00 12,000 • • • 900 82 1 512 400 12,000 o,uuu D< 4^ • • • 400 88 1 720 600 9,000 4r|WU Oo 1.000 • • • 100 M lj88fii|800 14000 • • • 100 S6 1,672,200 17,000 10,300 70 1,000 • • • 100 •8 1,541,000 8,500 10,100 71 • • • • • • 87 1,495,200 12,500 10,400 78 1^ • • • iob 38 1,467,500 4,000 10,900 39 1,227|400 %m $389,400 40 U26,800 10,000 10,400 41 1,081,200 7,000 9,900 42 1,005,400 3,500 9,900 43 985,900 7,000 10,500 898,600 8,000 IMOO 45 818,200 6,600 104900 4S 760,400 10,000 10,200 €7 673,200 9,900 48 643,700 6,000 10,400 49 639,500 10,000 11,200 868 AMERICAN - CAN ADIAN MORTAUTY EXPERIENCE 1900-1915 AMERICAN WOMEN Co MP t Bi ao w or Actoai, Deaths Win m Rumum Dman Cujoeuam mr m AmKiiN Mar {baaun Baxm or Mobuuit 8TH INSURANCE YEAR AOI AT AOfUAL BmoiBD Age ai r Exposed Actual EXEECTEO Emut fo Bhk Entri 10 Mmtt 15 $48,50C > . . . $200 50 $736,600 ^ $18,000 » 816.200 16 84,300 ► . . . 400 51 429,00C ) 9.700 17 110,300 ► . . . 600 52 684,600 1 17,600 13.100 18 198,100 > . . . 53 472,600 > 6,000 12,600 19 mjM > $1,000 1,200 54 334,900 3,000 9,700 20 529,100 11,000 2,300 55 390,600 4,000 12,300 21 671,100 4,000 3,000 56 322,400 6,000 IIJLOO 22 1,005,000 2,000 4,500 57 208,600 17,600 7.600 23 967,600 6.000 4,800 AHA 6,000 10.700 24 %000 6,200 68 199,200 9,400 8,800 25 1,286,600 7,500 5,800 60 246,900 3,000 11.900 26 1,355,900 2,000 6,200 61 98,000 2,000 5,100 27 1,419,500 5,000 6,600 62 60,000 5,000 3.400 28 1,494,400 5,500 7,100 63 38,200 1,000 2J00 29 1482^200 9jm 64 2r|880 2jD0Q MOO 80 i,M;aoo 11,600 8,700 66 35,000 1,000 2,500 tl 1^76,600 8,500 7,900 66 12,000 • • • 900 88 1,419,400 9,000 7,900 67 6,500 600 83 1,678,300 10,000 9,800 68 1,000 • • • 100 34 1,64^600 9,000 9^ 69 1,000 • • • 100 35 1,621,000 18,000 9,900 70 • • • • • • 86 1,421,000 10,000 9,900 71 • • • • • • • • • • • • 97 1,888,000 4,500 10,300 73 1,000 1,000 100 88 1,347,000 37,000 10,700 89 1,166,900 10,000 9,900 Totals $39^78,409 $28^^299 te of e— fwrfun. p^jLA- 4^ ^ — 1 ^ fnmrmiif m In fii UmM m Iwiiiiiiil ■■ iif Ike date ct conversion, and IMr MhM«Mnt Urtoqr IgMMd, Mrterad, te wkMk mm the general rule, givift in tiM aeil panpiph, irin apply . When poUoies have lapsed and have been restored within six Mostlis, ^HInyTt li to b# ignored and the policy treated as if there had been no break in the ooalimd|f «f lhaiiifc, Jm other oases the policy is to be treated as lapsed and the restoration is to be ignored, eonspl oases running on term extension for the original amount at date of revival, wluch are to be i^^r^ ^ A^*^ ^9 4ru^ irmriiini i i hnth li|»s end reslwiiltoa art lir bt ^ IHt - garded. In accordance with the instructions under "Plan of Insurance," 10-Tear Term policies completing ten years* duration are to be treated as terminated on the tenth anniversary and code No. 4 (expired) used. Any subsequent duration of the original or a substitate policy will be included with policies listed under No. 6 of the Plan of Insurance Code. ^BolWes issued with delenred dividend periods of 10 years or more and which continue in taaotolio end of Um dsfsned dividend period are to be treated as terminated at that date. ^ ^^^ "iMn ii iWM al l3Ubt aimivwsaries in 1916 are not to be continued under observation ^P^^fy^***^? "^'*'^ daialtai dt the policy is to be omitted and "X" is to be used. ^Ij^^jj^jl^^^ ^itaiaol tolMfaiieaaij itoatbi alduli oeeui after the anniversary in 1915. POUdES TO BE OmITTBD Thi fnlbiiriai srs to bs wHtoil fiiwi tbs laiMUp.tiiUL- ▲ MMss not taken. BoHiiSB terminated otbsrwise than by death in the same calendar year as dated. ' ' sd p te to MOO aad terminated prior to 1901, unless termination was by death 3W IMOottd aAv polsgr aaaiwary in that year. O FoMsoiMrlSMllwiiMXni ■ IHdi sis sfa wsdiaaiyooBateyoBtridiegawUaitodato^ F P^fides issued by wajcliiiainiBfpaH of IbotodiTidiialiU O Pblieiei liiaMmd to bA, L 0^ IMMMM OB a anmbtf H Policies issued on underavwage or substandaid fivei. Tbeoe pnHsiw at an extra premium, placed in a special dividend class, or etoMted with a lien. PMisisi at standard rates on another plan than that api^ed for aia to be included. Policies on women on which an extra premium was charged, or which were placed in a special itfriidsnd oUss, on account of sex only, are to be included in the investigation. Bxchision in oases ol exto premium for foreign residence applies only when the extra premium runs from the date of issue of the policy. If, one year or more after issuer tJto poliey booonsa sakjiil to |i rsa ria« ,iioaeeoiialfatobetakenolthelaet,and tl i e e a e e istobe i nd u d e dto tton. I Policies incontestable from the date of issue. J Policies issued on the group insurance plan, or on any other plan which did not call for a regular medical examination. K Joint Life policies. L Policies issued originally on the fraternal assessment or flexible premium plan, unless reissued on medical reexamination, in which oases they are to be treated as new insurances as of the reissued date. M Policies dated back more than three months. N Polieies issued on plans not specified under "Plan of Insurance." PoMcies issued prior to 1900 and in force on their anniversaries in 1900eithflras Term IBitoMinn or Itodnsed raid up DI4TBB Tba eaase of dealb k to be recorded by tbe eodo vsed to the Medieo-Aetaarial Mortality InvistftalfcML Ttoul oods^ a eopj of lAlsb Is attosbad*, is based upon tbe "IiilsinaUoiial ffaTTlflnfttioii of Osasss of fliokims and TNatb." as laiised Uj the Iiilsi iiilioiisl naniHiwion aft tito ossrion to Mi to 1909. I^peeialeoie nasi bo observed to liaaAtog the deaftb losses so as to make sore tbaft all dsatbi awi iastoded as aBsb, aad thaft eaass iw i nl a a tod by death are not ot h s B a l s ei aestded. ADDmoKAL Data rat C!oiipamy'8 Own Ubb A company may record additional informatton on the sheets or cards if such is desired fog itoo>wnp as for all phma el hmiranee eombined, bvl this is menfy the rondt Hie f^ ttatatttae afoe the data eo ffdiBaryMe laiiiiaBeea eompriaed tta mat ImB: cf tta total data. 19 AND 20 Payment Life Plans AMERICAN MEN WSfM AofQAiiDiMm Ratio of Actual TO Expected Deaths 15-24 26^ $8,096,900 6,058,700 6,026,200 $8,041,100 6,784,000 5,651,200 10L8% 89^ 88.9 45-54 2,576,300 2,714,200 94.9 56 and over 553,000 626,500 8&3 Totals $17,310,100 $18317,000 92.0% AMD SUBSEQUENT INSUBANCE YEABS 20-29 30-39 40-49 50-59 60-69 TIMTO and over Totals Actual Deaths $1,119,400 8,911,800 20,329,300 24,911,700 14,468,000 8,781,400 609,400 $74,081,000 Expected Deaths $1,226,700 9,404,800 21,746,200 25,482,000 4,889,600 791,200 $78,080,500 Ratio of Actual TO Expected Deaths 91.3% 94.8 93.5 97.8 , 96.2 88.0 77.0 94.9% ALL AGES AT ENTBT OOMBimBD AofOAii Dbmbw . Ratio of Actual TO Expected Deaths 1 8 8 4 5 6 and sub- sequent Totels $3,457,000 8,881,600 3,428,700 3,676,600 3,416,200 74,081,000 $8,616,600 8706,900 3,788,900 3,793,300 3,911,300 78,080,500 96^% 89.9 90.5 ; 96.9 87.3 94.9 $91,891460 $96^,^ 94.8% The ratio of adaial to expected deaths for the first five insurance yean eombined is 92 per cent, and for the eijdh and subsequent ineiaiuice yearn combined it ie 96 per cent AninspectioacCtfaeresuItBbyagesatentiya^ attained ages indieatee that the rdative mortality was rather bett^ m the eaiiy than in the later insurance years. If tiie peromtageB deriv«d from the crdiiiaiy Hfe experienoe are applied to tiie exposures under the limited pajrment life experience, it will be found that the relative mortality is about 12 per cent, better on the limited payment than on the ordinary life plan, the difference between the two beuog greater in ^"J^ffY tliii.. ^Fi th e lirlw ^ f ff in T ft ywinr. 19 AND 20 Year Endowment Insu&angbs AMERICAN BfEN Ratio of Actual TO ExPBCTKD Deaths 11^ 25-84 35-44 45-54 66 and over 1884,200 1,524,600 1,614,800 1,145,200 IfiCLfiOO $907,600 1,530,800 1,628,800 1,081,300 164400 91.9% 99.6 99.1 105.9 97^ Tolab 16^,800 $6,812,600 99.4% r SIXTH AND aUBSBQUSNT INSUaANGB TXABa Attaikkd Aam Actual Dbathb EXPBCTKO DXATHS Basio or Actual toBUBUISiDSMt 20-29 30-39 40-49 60-69 mm 70-79 $537,500 2,875,400 7,191,700 9^,600 sjmjm 890^ $523,200 3,007,400 7,875,200 10,869^ 6,166,200 447,200 102.7% 95.6 97.6 9L2 98.8 87.4 Totals $26,449,000 $26379,600 94.7% Matio or Actual 1 a 8 4 5 6 and sub- sequent Totals SfMJBOO 1,08^,890 1,075,200 1,223,600 1,248,500 26449000 $783,800 969,300 1,097,700 1,181,800 1,279,900 26^8^ 88.4% 107.2 98.0 103.5 97.6 94.7 $80,728^ $82,191400 96.6% 8 The latto (rf actual to expected deaths appeara to be d 19 and 20 year endowment insurances than for the policies on the 19 and 20 pa3rment life plans. If the percentages derived from the latter are applied to the exposures on the former, thus taking account of the distribution by age at oitry and by insurance year, the relative mortality under the endowment in- smanee is 7H pv ee&t. bii^ than under the limited-payment in the first tie faMinaiee years and praetieally tiie ane £or insurance years. The following deductions may be made from the three tables: First, that the mortality on the limited payment and endowment policies has been lower than on policies issued on the ordinary life plan; second, that the mortality on 19 and 20 year endowment insurances has not been quite so good as on the 19 and 20 payment life policies, but the amount of data is not large enoufl^ to eKminatft fluctuations; third, Oat the differences are less than was gener- ally antte^Mted, and mndi kss than hi ilie BMrii (Mtaa life TMm, 189& The lower mortality on 19 and 20 payment life polides than on 19 and 20 year endowment insurances is a new feature in American experience; the British experience also shows a slightly lower mortality on limited-payment life than on endowment insurances. One reason advanced for this result in the case of the American companies is that there has been a tendency to limit slightly impaired or border-lhie riBki to endowment insuranees. It may be of interest to record lliat, enmbtning the f oar dasses of women whose mortality was studied under the Medico-Actuarial Mortality Investiga- tion, the ratio of actual to expected deaths was 121 per cent, on the ordinary life plan, 100 per cent, on the limited-payment life plan, and 89 per cent, on the endowment insuranB4i» Ratio op \ct9iM» ■ TO EXPBCTSD DiATBI 20*29 80-^9 40-49 50-59 60 and over 128,000 285,100 745,700 614,600 210,800 $13,900 249,000 706,200 612,800 188,000 165.5% 114.5 105.6 100.3 1UL9 «U769,900 ioea% ALL AGES AT KNTB7 CXMliBTNBP BAno OF Actual woMumtmDmam 1 2 S 4 S • ttd sab- aegoent Totals $660,000 548,600 689,600 487,500 642,600 1,878,700 $704,900 650,400 499,000 458,700 1,769,900 t 93.6% 88.6 OM 97.7 140.1 106.1 $4,751,900 $iM8»700 102^% For all ages and durations combined, the relative mortality was the same as oldiiHryMfe polfeie^ tist M It aeems appurmt that the mortaKty mider term insorance issued by the com- panies in recent years has been satisfactory. This is very probably due to the stricter selection which has been exercised by many companies in the acceptance of risks for term insurance. Many companies issue term insurance only if the risks are considered better than the avertfe. It should therefore be ranem- bered that the fact that the mortality was as favorable ae mider onfinvy life pelielMi i«wt notbetahiiitofaidierte tlMitif aftfee idbrtlwi byHw kmani pmMid tlie iwiita woaM be M ... "i, *t 10 10 Year Non-Renewable or 10 Year Renewable Term Poucies GoMVHtTED OR Changed Without a New Medical Examination Bbtobs the End of the Original Term Period An mvestigatioii mm nwde to detimtea tte ralatife mortali^among policies converted or changed from 10 year non-renewaMe or 10 year nnewable term to any other plan before the end of the original term period, without a new medical examination. The total amount of data in this investigation was not laiye^ but oonnderable labor was involved, because it was deemed advisable to ^jfH ^niiMi tiift wwtality afleordiny to the number of calendar yean efaawed be- tueen theyearof iMoeaDd tiieyearin wliidi the ehraieoreosrari^ made. Themortahty waailiTeedgated byinaiBa^ of change or conversion. In obtaining the expected deaths by the select AM table, however, the mortality rate according to duration from original issue date was taken, as there had been no fresh medical selection at date of change. The following table gives a iQrnopos of the results: 10 Year Tbrm Changed or Converted During Original Period AMERICAN BfEN GHANGm DiJRiNG Isr Oft 2d Calendar Yeab^ Inbubancb YfiABs After Changs First five . Sixth and subeequmt. Total.... Actual $60,900 85,000 I14M00 Expected Dbaths $124,600 100,600 $225,200 BAnoov Actual to Expected Deaths 48.9% 84^ 64.8% Cbamod Ddxdiq 8dg»4ih GAMBmiB Ybab Plrstfive $103,100 $107,600 95.8% 78,000 92,800 84.1 Total $181,100 $200,400 90.4% Changed During 5th Calendar Year Firstfive Si3Etii*aiid ndbasQueBt. Total.... $72,000 $155,100 $81,900 $147,900 104.9% ^ffTfffliff DUBIMG 6th to 9th Calendar Years Inclusive First five $147,500 $148,900 99.1% Sixth auhBeauent .... 168,000 170,800 96.7 Total. $810,600 $819,200 97.3% 11 10 Yeab Term Changed or Converted During Period — Comtimmtd AMERICAN MBM IManomd During Aii« TI1BAI8 Comunv iMHnuMSB Ybam Aim AonzAL AonxAL TO expbcted Deaths 1883,500 409,100 $792,600 $463,000 429,700 $892,700 82.8% 95.2 88.8% First five 8iitih >nd mhifwiiirnt Total.... SSamdUndbr $72,500 8,000 $80,500 $90,400 20,600 $111,000 80.2% 38.8 72.5% Flivtllfv Sixth and subsequent Total.... AttAiiaD AiQB 40 TO 49 iNGugiffi |SS09,M0 42,600 $252,100 $150,000 95,700 $254,700 18L8% 444 99.0% Ara: ici:hi First five Sixth and aubaeaiifiiit Total ... AcbGOandOvhi $101,400 358,600 . • • • $460,000 $213,600 313,400 $527,000 47.5% 114.4 87.3% A higb mortafitgrwasnot tobe coq^eeted in thiadMi, at the policies wm all dianfBdtoMi^pwBdmpianaiand^ ddbenormaL V\ of the 10 year iKm-mewable term, the mortality 8 renewable term policies which must be converted not later than one, two or three years prior to the end of the original term in order to effect the change without med i< ail examination, a mortality after conversion higher than the normal may be antiG^pted» bat the gtaturtifg were not numerous enough to decide the point. The qrnoprii dioiii a mortality ratio of 83 par cent, for the first five iBMinaiee yean aftar dmom or t am n km and 95 ent. for the sixth and anbeequent iiMarance years. The mortality among poKdea dymfed daring the fifth to the ninth calendar year of the original 10 year term was about 100 per cent. The analysis by attained ages is not conclusive, because, while the mortality is relatively low at the younger attained ages, the data are small. The mortality la hi|^ for attained ages 40 to 49 inclusive during the first five fMonnee jeom after chaoie, but abnormally low during the same years for atlibMri afoi S»«id over, iririte Ite eooMttte aeqttent yeaw after cha nge reaoKa • CUM on I doe to ponoltj of data* Ht^Ymm BnanrAHA Thm Poueiaa Bbnbwsd or Convsrtbd atBnd or PinoD An investigation was made of 10 year term policies which were renewed or changed without medical examination at the end of the original period to de- the comfMny by the insured. The 12 experinee aeeordingly begma date of renewal or change of the policy at orii^ 10 year term poiod. The eq^eeted deaths were caka- 7. AqmopriaofOeiiMiteiottowa: Iff 10 TBAB RmBWABUI TBKM POUGUB CHANCOm OM RSNEWED WITHOUT A New Medical Examimaiioii at tb End or tbb Qrhsdial Pbuod AMERICAN MEN Attainko Agk Actual Deaths Expected Deaths Raho or AofVAL to Expected Deaths Under age 50 50-59 60 and over Totals $355,300 511,800 258»300 $379,600 448,100 195,600 93.6% 114.2 129.5 $1,120,400 $1,023,300 109.5% Sixth to Tenth Insurance Years After Renewal or Change Attained Agb Actual Deaths Expected Deaths Ratio of Actual TO Expected Deaths Under age 50 50-59 60 and over Totals $100,000 348,900 245,500 $128,100 349,300 217,400 78.1% 99.9 112.9 $694,400 $694,800 99.9% Eleventh and Subsequent Insurance Years After Renewal or Change Attained Age Actual Deaths Expected Dkatu Ratio op Actual TO Expected Deaths Under age 60 60 and over Totals $52,500 169,300 $62,700 97,800 88.7% 173.1 «221,800 $160,500 138.2% All Insurance Years After Renewal or Chamcb AisimD Aei Ratio of Actual TO Expected Deaths UtaderafeOO 60 and over Totals M8»100 $1,887,800 610,800 iooa% 180.8 $2,036,600 $1,878,600 108.4% The mortality after renewal or diange seems to have been m t i rf a et o r y at attained ages under 50. The mortality for the first five ineorance years is 14 per cent, above the normal for attained ages 50 to 59 and 29 per cent, at ages 60 and over. For all ages imder 60 combined the mortality is 100 per cent, of the ultimate rates, and for ages 60 and over, 131 per cent. Such results are in accordance with expectation, because the older the insured the higher is the preminm and the kos the meentive to renew the term poti^ or ehooii it to a hi|^ priced plan tf ttie insoied is hi good herilii. MORTAUTY ACCORDING TO HABITAT IN THE UNITED STATES The members of each of the eommittees were asked to suggest a cRvision of the United States into several groups of states. As a result ten fmps of the states were agreed upon. There was practically no difference oiHnion with regard to these groups with the exception of the proper group into wliich to place the State of Missomi. An investigation was acco rdingl y made of tlie espoieiioe in that state for tfao siith and safaseapmt insurance years, which indicated, so far as the mortality was eoneernod, tint it b^oofed to the group of states to the northeast of it. It win be seen from the foDowing list that the grouping of the states took account of their geographical situations and economic conditions. The groups were as follows: L Comisctipiit, Mains, MnMiftnisiittn> Naw HanpUn^ Rhoda Island, 2. New Jersey, New York, Pennsylvania. 3. Delaware, District of Columbia, Kentucky, Maryland, North Carolina, Tennessee, Virginia, West Virginia. 4. Illinois, Indiana, Michigan, Missouri, Oliio, Wisconsin. 5. Florida, Georgia, South Carolina. 6. Alabama, Ariouisas, Looisiana, Missisnppi. 7. Iowa, SjaiBas, Mfaiiiawta, Ndtar^^ 8. Oklahoma, Texas. 9. Arizona, Colorado, Idaho, Montana, Nevada, New Msadoo, Utah, Wyoming. 10. Ala^ California, Or^on, Washington. In the following eihibit appean a synopsis of fha aetnal and e^MOtod deaths for each of the first five insurance years and also for tiba staElh a&d snb- sequent insurance years combined. MuRTAurr A a) TO HAHTAT at DAS or AmiCAllOll POB IHMAAIIOI AMERICAN MRf Expected Deaths Calculated by AM Table CoNNBcncuT, Maine, Massachusetts, New Hampshtrr, Rhode Island, Vermont Inbubamcb 1 • 4 5 6 and sub- sequent Totals $146,683,300 187,740,800 140,210,200 139,633,000 2,480,378,800 $3,180,239,900 AoniAi* $446,800 713,600 963,100 919,300 55,704,700 $69486,800 Expected DXATHB $581,400 765,000 861,700 968,600 1,077,500 58,006,600 $62,260>700 Actual to Expected Deaths 76.8% 98.8 86.8 98.4 85.3 96.0 14 MfWT^iiiTT AfJTOifUNii TO TlAmTAT AT T)Aw, (w AmiffATinw pm Twwfaaww (Ccmtkmtd) AMERICAN MEN Expected Deatbb Calculated by AM Tabi£ (2) New Jersey, New York, Pennsylvania Insurance YilAB Exposed fo Risk Actual Deaths Expected DSATHS Ratio or Actual to Expected Deaths 1 2 8 4 6 6 and sub- sequent $439,355,500 379,863,100 373,710,400 862,476,700 360,062,700 5,532,671,500 $1,502,600 2,220,100 ^489,400 2,604,600 2,609,900 139,372,700 $1,767,700 2,147,500 2,892,400 2,666,000 2,760,200 134,876,700 85.0% 103.4 102.0 101.9 94.6 103.3 Totals $7,438,138,900 $150,749,200 $146,499,500 102.9% (3) Delaware, District op Columbia, Kentucky, Maryland, Nokh Carouna, Tennessee, Virginu, West Virginia 1 2 8 4 6 6 and sub- sequent $255,090,100 176,878,200 161,670,000 149,936,000 138,863,000 1,728,234,000 $1,104,200 1,166,400 1,026,400 1,248,800 1,212,200 37,376,300 $996,200 969,900 1,006,200 1,021,600 1,062,100 36,759,100 110.8% 120.2 102.0 122.2 114.1 10L7 Totals $2,610,166,300 $43,133,300 $41,815,100 103.2% (4) Illinois, Indiana, Michigan, Missouri, Ohio, WisooNsm 1 2 8 4 6 6 and sub- sequent $602,062,200 489,280,800 406,849,400 377,909,300 355,935,700 4,736,385,300 $2,096,600 2,064,600 2,294,200 2,163,700 2,315,400 97,094,400 $2,295,200 2,362,600 ' 2,448,600 2,482,600 2,610,200 101,833,700 91.8% 87.0 93.7 87.2 88.7 96.8 Totals $6,917,872,700 $108,017,800 $114,032,900 94.7% (^) FlOBIDiA, GfiQBOIA, SOUTB CABOUKA 1 2 8 4 6 6 and sub- sequent $106^,600 71,128,100 62,509,700 57,454,200 52,200,800 539,102,700 $697,100 476,500 646,900 457,300 481,700 10,944400 $426,700 400,300 396,600 397,700 408,400 9,048,900 163.4% 119.0 163.1 115.0 117.9 121.0 Totals $890,856,100 $13,703,600 $11,073.600 123.8% 16 MOBTAUTY ACCOBDING TO HABITAT AT DATE OF APPUGATION FOB INSUBANGB (/Continued) (6) ExPBCTBD Dbatbs Calculaibd by am Tablb Alabama, Arkansas, Louisiana, Mississippi Insubance Bkposed lO Actual EXPECTSD Ratio op Actual to Expected Deaths 1 2 t 4 5 6 and sub- sequent Totib $134,519,800 84,179,500 72,686^ 67,490,400 521,465,800 $761,200 618^900 C2M0O 488,800 478,100 10,265,200 $506,400 460,700 4iMm 422,800 425,000 8,386,100 150.3% 187^ 14t.4 102.6 112.5 122.4 $934,740^00 $13081,500 $10,626,400 124.0% (7) Iowa, Kansas, Minnesota, Nbbbaska, North Dakota, South Dakota 1 4 5 6 and sub- sequent Totals $242,048,500 168,806,600 186,443,200 118,233,900 106,343,700 1,169,464,000 $1,930,839,800 $782,000 688,900 628,800 674,800 686,500 18^,200 $21,533,200 9860,600 781,800 758,900 711,900 714,100 20^77^ 74.7 T0.1 94.8 96.1 89.6 $24,289,300 88.7% m Oklahoma, Tbxas 1 $147^,700 $6i84ioa $647,600 112.9% 2 79,401,400 578,300 416,400 138.9 t 63,228,300 434,300 370,200 117.3 4 51,851,100 337,000 829,600 102.2 s 43,884,400 417,300 314,600 132.6 6 and sub- sequent 800,781400 4,768400 4,679400 108.9 $7,148,200 *"1ift.4oo 108A% - ..■„;,..,..SB 3B?^ff5!^^^^^i ■ 1186,686,000 16 MoBTALiTY Aooomma to Habitat at Date of AmjCAHON fob Insurance (Continiied) AMfiBICAN MSN BZPBCTBD DBATHB CALCULATED BY AM TABLE (9) AMumA, CauasLADO, iDAm, M WYKnOMO Ratio of iMRnuiieB BXKWBD 'WO Expected Tbab .^jX^LL TO Deaths 1 $61,188,000 $241,700 $221,600 109.1% 2 41,249,500 224,900 211,800 106.2 8 36,947,800 206,000 212,500 96.9 4 33,188,500 236,500 207,800 113.8 5 30,193,400 258,300 211,500 122.1 6 and sub- 309,935,400 4,786,600 4,940,800 96^ sequent Totals $512,697,600 $6,962,900 $6,005,900 99.1% (10) ALASKA, CALIPOBMIA, OUQON, WABHDIQlWff 1 $98,214,200 $342,500 $366,700 93.4% 2 70,075,600 354,700 369,000 96.1 8 62,402,500 296,000 365,300 81.0 4 55,342,100 372,700 353,600 105.4 5 50,160,300 328,800 368,600 91.7 6 and sub- 661,420,900 11,646,800 11,872,400 101.6 sequent Totals $897,615.600 $13,241.500 $13,185.600 100.4% The states showing the lowest relative mortality are thon in Group (7) while the states with the highest mortality are thow in Gmnw (6) and (6)' The mortality remits are so simikur m tlw tiro btter graai» tint tiie data could have been eonbined witiioiit dindvantaee. «« ^^^^maaJ^'^ ^"^^ ^ ^^'^ coast states show a higher MMne natality in tiie rixth and subsequent insurance years than in the first nve insnranee years, while the reverse is true of the Rocky Mountain, South- eastern and Southern States. In general, the older settled states and tlioee contaming the large cities show a lower relative mortaUty in the earlier than in the later insurance years, while the nvene ■ Inie m tin otktr states, ^nfi* .^''^u • of the habitat mortality by ages at itiiir^™" ^ ""^ attained^ tl the 17 I I' 3 I X s n 3 QQ i s PQ O CP < B H O o C Q ^ w « ij ^ F o 3 o P 00 00 00 00 00 ;o Eh O O T A^«MNiVrA1 A Expected Deaths $218,200 1,926,300 5,870,700 11,510,300 15,451,400 15,089,500 7.940.200 $58,006,600 Actual Deaths $204,500 1,663,000 5,211,100 10,853,400 15,799,800 14,457,700 7.515.200 $55,704,700 Attained Age 20-29 30-39 40-49 50-59 60-69 70-79 80 and over Totals h P o 5 H H £ J H e o S o t- 5 B S B o o o o 00 o ci ^ 0^00 00 0)00 88.9% Expected Deaths $340,500 959,500 1,252,200 1,128,800 573,100 $4,254,100 Actual Deaths $326,500 844,000 1,001,200 1,117,400 493,000 § ^1 N X) Age at Entry 15-24 25-34 35-44 45-54 55 and over Totals 6S tH CO 00 Oi iO « CO 00 o ^ .V 00 (M 00 O ^ rH ;o CO Oi 1-H Ci ^»H«OOOlO^ 00 OOOOOQO ooooooo CO O ;0 t> ;0 iH Tj< 00 1> rH 00 c^a '^^«0«OT-lt>^ fHCSI'^OOiH o 00 00 1—1 «9- o 00 CO 1 OOtHCOOO'^ O) ^000 O^O) oo«ooo;o OOOQO poooo 00 04 ^ ^ •> ». C^COCOrH 00 TtJ O CjJCO'^UO^ rH f 00 00 b-1 > t> o o ic c^i 35 w ^ 00 ^ 00 00 UD 10 j^OOfHOiOOOlOOi ^ jHioo;oo5woo Z »-«^t-»HOiC^ sssgg Tj< C^l 00 «0 00 o •> •> N rH (M 00 iO N O CO rH O C^J o o 00 CO t> 00 i 0)0^0)0)0)0 o c^co^ud;ot* 3 J9 I s 5 ^1 O) CO g Poi>th;o §0 O CO IS 0)00010 00 CO O) O) o o> udcocoodt* I o 18 O) r> ^ t> CO CO 00 10 00 00 00 0)0)0^0^0) 6S OC) O) 00 1» 0)000 ^ ^ ^ •«» 9^ C<1 O) CO OCOCO'^OOO)© CO CO 00 CO Cvl 00 aw •» 8 CO o 09 80000 0000 COdOO t^co ^ ^ ff^ ff^ as CO (Nt^ CO 05 C^l iO CO O 10 00 00rHt> JUCl. a> 00 00 t> 00 00 CO 100 o O O) o O) X o 0)0)0)0)0)0) Cji op 19 cp t>- > o o 09 o s i ;2: O) 10 CO CO rH ..... CO LQ O O O A00<6OIOb O) 00 00 O) o cot* coo 000 000 (M t>(N •fc ^ CO t> 00 0)000 00 O)"^ 03 00000 Q)Tl( X^OO 00 PI o o O) O) (N iiiii •» •» 00 lf3 CO 10 O § CO (M O) o o Tt* ^i* ^< 00 00 00 CO »H CO 00 O) CO iH CO CO iH Cq iH ©J O) O) CO CO O) Ixd ^ 00 10 t-. CO (M 10 O iO CO o O) ^1 O) O) CO O TlJ 00 00 CO CO CO CO id ic iHoooioi^eao) OOOOOOO OOOOOOO 00)rHrHO)r-IO ^ CO l> O O) 00 iH tH OOCOCOIOCOOO •^•fc- CO O) 1-1 O) ^ rHCQOOiH o o 1— I I «9- o o s o o o H o Q OS o 0)0)0)0)0)0) o (NCOTtilOCOt-j; CO o E-i s iO 1-J CO CO 04 t> ic O) oi CO iH CO 00 iO 1— I o CO CO 00000 00000 O) CO CO O) t> •V .V 00 00 O) CO 00 00 00 tH rH'^iOTj^CO 9^ o o O) (N o 00000 00000 0000 CO tH _ * •> •> (NOi-(t>0Q (Mcocp^S c^c5t*^0S O) 1-iOioO'^ 3 I— I ^1 000 000 oa(N o ffi^ 1— I O) 10 8»S^ 0000 0000 U0l>COO) Ak 9^ •s tH CO 00 00 O CO 01 ca O O o^ iC CO 04 O) O) Ct O) O O) o Osl CO T*< »o CD r> _^ 0000 ' 'S I o O) Tl< O) b- cd oi CO i> 06 01 Ol '^COO) 041 o 00 00 00 00 O) l> CO 00 000 poo t-- T^* 10 O) O) CO o o CO o OJ 04 00000 00000 CO tH LO o ^ tf^ 04 iH OJ CO tH 04 O O l> Cg»>0)t>04 o o CO CO iH O) Tj< o tHO4 00'^ as i8 Q » o o X < Q X H o < X CO s o o io Tj< 04 00 00 10 00 00 00 00 00 o^ ooooooo ooooooo CO 00 1-t 1-1 00 CO 00 ^ 9^ ff^ «^ 04 CO 04 O) 10 10 ITD O) 00 Tj< t> CO iH O) 1-1 tH O 00 10 T|« iH M •% •> 10 o ooooooo ooooooo UO CO O) 00 CO 00 00 •\ vn, a^ «^ Vs, O O) O) O) UO UO CO 00 O) O O) O UD rH O) Tj< Ol O) 00 tH » » o o 04 04 00 00 O) O) O4C0 I I 04 CO O) O) O) O) iocoi> i 2 o 9 o 00 a 1 o Eh ^- CO 010)^0 000 0)t* OlOkO t-THCO 6S iH 00 00 0)0 fHOO l> CO 10 rH 000 000 O) O) tH Ik 0)00 00 kOCOO Ol>00 o o 00 00 00000 00000 00 04CO'^0 ^ *^ 00 rH CO O 04 tH O) Tt< 10 O ^00 1> 00 04 CO o 04 u ^ ^ ^ ^ o c^co^Y^,^ «HC4CQ<^ a 09 i 10 l-H s S 2 O ■< Q I i n as i H fiQ Q s o i X m Eh O O o ^ w 2 CO lO ^ CO o 00 < pa Q o H a. i8 QO O CO ^: o 00 CO iH «*-C0 CO CO <0 iH C/2 X O a ! « IS CO (/J 1 I ^oooooo O O CO O O CO o> o 00 X 2t2{ ^: CO ift 00 (M 00 I i: "o g < o H £ Be 3 00 Q tH 6^ I H D foooo oooo 00 1-H C Tt l> Tj< o o I tJ* tJ' tJ* tJ* c^ico'^^b I i8 I 6S 6§ i OOOOQ poooo t> CD t> O » ^ ^ ^ rH CO C^^ O)l0t^00) O) (M (N t> 8 O) O) CM CO I O) O) O) O) u o J9 OS o pooo^<±> c OieO<^U3COt> C8 8 5^ 2 00 CO iH z < ^ O) O) O) ^ woo-^ Q G^ICO^ i 2: 04 0)0)0)0 iocpi>_; I T I SQo s: s J3 o cocaiHcoo) S5 SSg§g 00 CO Tj< Csi Cvi |8g CO rH tH » «k «k ak CO CO COX to ill Care should be taken to examine the amount of data before drawing any deductions. On account of the paucity of matmal in certain of the aBcOatm iiAenaubdivkled, as ihom in theforefo^ deallis miqr eddbit eonridmUe aee^^ Due consideration should be given to tibe relative proportion of business in the early compared with the later insurance years. In Group 2, for example, the expected deaths for the sixth and subsequent insurance years are alK)ut twelve times those for the first five insurance years combined, whereas in Group 8 the expected deaths for the sixth and subsequent insurance years are only two and a hatf times as laifs as tlie flsqjieetod deaths for tlis flmt tve insaranee MOfiTALlTY ACCORDING TO HABITAT IN CANADA An investigation was made of the mortality among Canadian men according to their residence at date of application for 'fHHiraiif^ At the soggestkm of the Canadian actua ri es, the foUowiiig divisions WW Ontario. Quebec. Nova Scotia, New Brunswick and Prince £2dward Isbnd* Manitoba, Alberta and flaskstchswaa; Yukoii Tsnritoiy. Britkh ColoBibia. The original intention to investigate the mortality in the Yukxm Territory sqiMrately was not found feasible as the amount of data was very linuted; the total dsatli dUmi In Hie first ftfis iBsmnoe years were $11,000, and for the dxth and subsequent insurance years, $2,500. The data for that territory were therefore combined with those for the provinces of Manitoba, Saskatch- ewan and Alberta. In the following table is given a synopsis by insurance years of the mortality in the several groups. The expected deaths were based ontheC^taUe. The mortality rates by this tahte appear on pa«Bs 184-186. Mortality Accoeding to Habitat at Date of Appucation fob iNsyaANCfi canadian men Expected Deaths Calculated by C^ Table Ontario iKSUmAMCB Ybab Dmjom EltfUTlP Ratio of Actual to Expected Deaths 1 2 8 4 5 6 and sub- sequent Totals 1120,879,100 82^,900 79,707,100 70,359,500 62,600,500 804,986,700 1856,100 858,800 372,600 351,900 292,400 12,704,700 1871,700 890,400 375,700 367,400 359,900 13,419^00 95.5% 91.9 99.2 95.8 81.2 94.7 $1,230,869,800 $14,435,300 $15,284,200 94.4% 21 MOBTAUTY AcCOfiDING TO HABITAT AT DATE OF APPUCATION FOB INSUBANGB GANAMAM WMH Expected Deaths Calculated by Table QUBBBC Expo^io Ratio or AcIQAIi TO 1 S 4 5 6 and sub- sequent Totais 155,748,000 42,2^,800 87,025,700 32,531,000 28,831,300 318,571,100 $187,600 244,700 267,200 187,600 240,800 6^088^ $174J00 182,500 178,500 174,300 173,700 5»215A00 107.4% 184.1 149.7 107.6 138.6 iia.8 $514,947,900 $7,216,800 $6,098,800 118.8% Nova Sootia, New Bbunswigk and Prince Edwabd Island 1 2 8 4 5 6 and sub- sequent Totals $84,872,000 27,519,500 23,849,000 21,095,800 19,014,800 210,688^ $97,800 105,700 109,000 104,600 81,700 8^858^00 $109,500 118,900 115,300 113,200 111,900 8,191,400 89.8% 88.9 94.5 92.4 73.0 105.2 $386,984,300 $3,856,900 $3,760,200 102.6% MANlTOiyi, SASKATCmirAN AND ALBBRTA; TUXON T MU tf lO BY 1 2 8 4 5 6 and sub- Totab $102,319,500 $320,300 $302,800 105.8% 67,742,000 226,700 274,300 82.6 51,745,400 172,600 231,400 74.6 40,986,200 175,200 201,900 86.8 33,606,900 140,400 181,900 77.2 205,888,600 1,685^ 1371^ 87.4 $508,663,600 $2,670,700 $3,063,600 87.2% British Ck)Lu»nA 1 2 t 4 6 6 and sub- Totals $25,770,700 18,005,400 14,690,100 12,284,400 10,674,800 78,780,200 $78,500 78,000 190,700 mjm 61,600 739,000 $81,100 76,800 69,000 64300 69,500 824,200 96.8% 101.6 276^ 92J( 108.4 89.7 $i58ao5aoo $1,207,200 $1,174,900 102.7% 28 The mortality in Manitoba, Alberta and Saskatchewan is lower than in any of the other sections. In British Columbia the high mortality of 133 per cent, in the first five insurance yean is laisdy due to a death loss for $100,000; for mgf slightly hSffim tium for tl» group of tlie tliroe nc stera pmrineea. Tlie mortality in Hie Maritime Provinces is less than the average in the whole of Canada for the first five insurance years, but higher thereafter. The significant result of the investigation is the high mortality in the Prov- ince of Quebec, which appears in all insurance years. It is 25 per cent, higher than the mortality in Ontario. A his^ier mortality was expected in the Pf ov- inee of Qnsbee becanse the mortal!^ among the Freneh-^^ is known to be hig^ than among other Canadians. As will be diown, the mortality among women in Quebec is also higher than among other Canadian women. In the following table appears a synopsis of the mortality by ages at entry for the first five insurance years combined, and hy attained ages for the sixth and subsequent insurance yean enmhined. 23 t O 1-j N «0 ;0 rH 00 c!^^ ^I^fc 00 Oi t> CO 1-j iH o CO ;0 ;p *H iH 05 W W O 00 I rH I CO CO §QOOO OOOO COOOXiH CO O o 00 X CO N t- l> Tt* ?0 iH 00 CO QO i-H ;0 CO lO 53 CO Tj< w th O] CO CO ^ iH co «k ak (M •I o 8 C5 Oi Oi Oi Oi Oi o cqcO'^irDcot> ^^^^ o A piCO CP t> 9 00 I3 ^9 n o 00 ^1 00 Of ooqoOi-Hco i>o6od co^coudco 65 CO sssss «W ffS «^ SI— • W Oi t^'^CON S 8 CI 00< - 1^. 00 0> IS fe5 CO Tlj Ol Oi CO 00 2* 23 ^ c^i oi CO 0*O« O O tH O 00 S5 o t> 00 (M CO Ot*;cOi-» ^NOiC^CO cocooot*e) 00 O l> ^ CO ^ ^ fl^ as * ocoooooo CO Si CO ''^^ lO CO E-» • • • • • JD kO t> T** CO « F-1«I>00'^ 00 "* ^^^^^ < lOUSCsiOOiO OD oooop ooooo ococoLoa^ CO 1-H CO CO 03 (M ^ (M )0 CO CO 1-i o o CO o CO ir3oot>i>c O «9- 00 US 00 02 5 B 2 w 65 05 (M 1/5 t> Oi l> 00 00 CO 00 888 0^ oi>r> 00 C5 CO CO ooco CO 00 Q < I Q H i c CO 1>(N ^ -i lOl> CO CO oi t^OOCO"^ iHOCOkOT^ QQ 65 CO 00 iH CO kO CO o CO 00 O 00 09 00 fD 18 8888888 iZb iH CO CO » ^ ak •> c^cooocooco rH O O ^ Ti« W-tH CMiHtHtH o o ooooooo ooooooo O kC 00 00 kA kO ^ ^ 0^ CO O GO kO kO 00 g|00ggfH^iH o o •I ?2 = CMCO^kOCOt* C8 1^ ^ as |65 H OOrHOOkOCO tf kCTjJcoqoc^i 8 65 o ko koc^k5oo IS 25 The oBirtattidIng fcafairoi of the fot^ ^ the I^ofhiee of Qodbee k eoDrirtaitly M the cMerent ages, while in the Provinces of Manitoba, Saskatchewan and Alberta it is favorable at all ages, the same being true in the case of British Columbia, with some exceptions due perhaps to the paucity of data. The mortality in the first mentioned province ie dO per cent, hin^ than in the four neitem pravhiees combined. rt tTfM 4rTiif% frfiit tmnfiilrnhrtmil Irr ftt AM TaMit fawtttad nf thir C^ttttrattoof aetnal to cipeetod deaths wooM have been approKfaaalel^ R4no or Actoal to EzracimD Dbaihb vr AM Tabui 1st 5 Insubakce Ykabs OTH AMD SUB- sEQWon Ihsui^ ▲MOi Tbam All Insuranos Ontario 86% 86% 86% 118 106 108 Maritime Provinces 81 95 W Manitoba, Saskatchewan, Alborta, 80 78 78 Blitirii Ckdmabia m 80 M Totals 92% »% n% MORTALITY AMONG WOMEN IN THE PROVINCE OF QUEBEC At the request of the Canadian actuaries an investigation was made of the mortality among women insured in the Province of Quebec by either Canadian or American companies. Owing to the unsatisfactory experience of some companies the insurance of women in that province had been restricted. A sfMpM of the resollB of this investigation foUom Women Insubed in the Province of Quebec Bifif am Dmam Calcplatto by Cm Tabmb First Five Insurance Years AOB AT EnTBT Actual Dmm EXPBCTBD DbATHS Batio of Actual TO Expected DXATHS 34 and under 99 aM over $34,000 22,600 $15,000 14^ 226.7% 16&8 Totab $56,500 $29,400 1922% Women Insured in the Province of Quebec — Continued Expected Deaths Calculated by C^ Table Sixth and Subsequent Insurance Years Attained Age Actual Deaths Expected Deaths Batio of Actual to Expected Deaths 20-39 40-69 Wand over $46,000 60,600 117,600 $14,800 62,700 144,700 810^% 96.0 81J Totals $214,200 $212,200 100.9% AUi Ages at Entby Combined Insubahcb Ybas Actual Deaths Expected Deaths Batio op Actual TO Expected Deaths 1 2 8 4 6 Band sub- sequent Totals $19,000 13,000 9,000 7,600 8,000 214,200 $5,600 5,800 6300 6,000 6,200 212,200 339.3% 224.1 166J2 126.0 129.0 100.9 $370,700 $241,600 m.0% While the mortality is about 12 per cent, in excess of the standard for Canada, it should be remembered that the mortality among all Canadian women was ahout 10 per cent, lower than amoog Canadian men, and that, therefore, the mortahty among Qoriiiee women h about 26 per cent, hig^ Ihan among Canadian women as a whde. A comparison of the mortality among women insured in the Province of Quebec with the mortality among men under the same conditions does not show a material difference in the relative mortality for the entire experience, but the mortality among the men is distinctly higher than aoiong the women after the fifth insurance year. The mortality amoog women in Quebec m eaeess of the noimal for Canadian women appean in Ihe eaify insurant tiM mortality after OeMhhiaurance year for attained ages 40 and above bdng srasfaetory. While the amount of data for the women is not large, the results are probably a true indication of the mortality, as they are confirmed by the investigations of individual insurance companips. 37 CAUSES OP DEATH An investigation has been made into the causes of death in the case of American men and of Canadian men. The deaths according to cauie hav^ been tabulated in two ways: (1) Percentage from eaeh eame of total deaths tan all (2) I)aalhiateta)meaekcaii8e]Mr|ia,0(H)«i|MMdto Tha flnt flMtiiod Is fOMfiQy used, beeanw the cf the uw €l tiie asldoni permit but the results are affected by variations in the total mortality from all causes, as well as by variations in the mortality from the individual cause in question. The second form of tabulation shows the absolute effect of variations in the mortality from each cause independ- ently and is, therefore, of greater value to insurance oonqMuiies. • 1 In the tables ^ipear tiie deeOs tabukOttd bj cam and bgr atlaiMd age, TtecannsMedaretiiesBiiieaBtiioBelntfae IMKet^-Adliarial Mortality Investigation, supplemented by a few in which the particular cause was responsible for at least one per cent, of the total deaths in any group of ages. In the Medico-Actuarial Mortality Investigation the deaths were tabulated by ages at entry, but it seemed advisaUe in the proscnt investigation to groiq> them by attained ages. In the following exhilut appears a S!ynopsis of the ntne prine^ causes of dsalfa, for both American men and Canadian men for groups of attidned agea and for ceHidn insorance years. There are irregularities m the tables, which, unavoidable in the case of investigations based on amounts insured: 2a AMERICAN-CANADIAN MORTAUTY EXPERIENCE SBATBS BT GAOB Typhou> Fever m k6S W TOTAL D«A' IBB 1 RATIO FBR( aetsee: mos BDTD IltBTTRANCE AMERICAN MEN YB4B AlUB AT DSAXH A» AT Dbath mm 70 AND OVER 20-29 SO-39 mm 70 AND OYSB 1 1&7 ia.8 6JL 1.5 U.2 • • 5.3 4.5 Z.1 1.5 11.9 • * 2 U.7 &2 2.4 • • • • 4.9 3.1 %Ji 8.0 . . a-5 12.0 7.6 5.0 2.3 .6 • • 4.6 3.4 8.4 8.2 1.7 . . 6 and sub. 9.6 6.7 3.1 1.1 .6 .1 4.1 3.3 2.4 1.9 2.2 1.4 CANADIAN MEN 1 18.6 15.2 10.4 5.5 • • • • 3.4 4.2 4.5 4.7 • • • • 2 12.8 11.3 4.1 1.6 • • • • 4.7 3.3 1.8 2.5 • • • • 3-5 11.6 5.5 9.0 .5 .8 • • 4.6 2.4 5.5 .6 1.7 6 and sub. 9.6 7.8 3.4 1.5 .6 .2 4.3 3.4 2.4 2.0 1.9 2.0 Tuberculosis of the Lungs Imsurance fOMSiiXinw TOTAL oBins iljuktioiniMuiesiiraaEDTOisBK AMBBICAN MSN YlAB Agk at Death Age at Death mm m-59 60-69 70 AND OYER 20-29 30-39 40-49 50-59 70and OVER 1 2 8^ ^ 6aadsob. 8.2 19.4 26J 29.8 4.6 m 16.6 19.8 3.5 4.8 64 9.0 .7 8.0 2.7 4.1 • • • • 1.8 1.9 • • • .7 2.3 7.0 10.2 12.9 1.5 5.0 74 9.7 1.5 2.9 44 7.1 .7 3.8 8.7 7.1 • • si . . 6i CANADIAN MEN 1 2 3-5 6 and sub. 7.8 20.0 27.1 28.2 24 12.0 12.6 20.4 2.0 8.8 10.4 10.8 2.2 1.9 3.3 4.2 • • • • .8 2.6 • • • • • • .5 2.0 7.4 10.6 12.7 .6 8.6 5.5 8.9 .9 8.9 6.3 7.6 1.9 8.0 4.1 5.8 • • • • 1.7 8.9 • • • • • • 4.6 Cancer and Orm Malionant Tumors i« \ Bl>TO mm RATiC Booa BISK bVBUHAKCB AMBBICAN M SN Year Age at Death Age at Death 4^4S mm 70 AND OVER 20-29 «e^ 60-69 70and OVKB 1 .5 .6 2.1 10.8 2.0 • • .1 .2 .9 10.5 2.1 2 1.8 24 3.3 11.2 114 • • .7 1.0 2.2 14.1 24.3 »-5 2.2 2.4 5.9 7.8 8.4 .9 IJL 4i) 10.0 25.8 6 and sub. 1.5 2.8 6.1 7.8 74 5.8 .6 14 4.8 124 29.0 5ii CANADIAN MEN 1 .8 1.7 5.8 2.2 27.9 .5 2^ 1.9 50.5 • • 2 1.6 .8 .6 lA •:| .8 8.0 • • 8-5 1.1 2.5 5.1 5.9 2.5 w 1.1 8.1 7.8 5i • • 6 and sub. •9 2.2 64 7.5 8.6 8.8 1.0 4.5 104 29.6 76.5 AMiaUC:4N42ANADIAN MORTAUTY EXHERIENCE DEATHS BY CAUSE P£BC£NXilG£ OF TOTAL DSATHS llBAnOMIfMiiitSKranDTOBnK AMBBICAN MBN AOB AT DBAni Acoi AT Death 30-SO MLJUk 70AND 70 AND OVKB 1 .3 .1 .3 .3 • • • . .1 • • .1 .3 • • 2 1.5 1.1 .9 .8 • • .5 .5 .6 1.0 . . • * 3-5 2.1 1.1 1.2 1.3 1.1 .8 .5 .8 1.7 8i 1.6 1.9 2.0 2.7 3.3 o 1 ' .7 .9 1.6 4.6 12.8 20.6 CANADIAN MEN 1 2 1.8 3-5 2.1 1.8 •9 1.8 • • .8 .8 .6 1.6 • • 6 and sub. 1.5 1.8 1.8 2.8 2.9 1.1 .7 .8 1.3 3.8 10.0 • • 1 10.0 Cerebral Hemormiacb and Akmbxy Immmmvm PERCENTAGE OF TOTAL DEATHS RATIO PER $10^Ma EXPOSED TO USK AMERICAN MEN Age at Death Age A' r DsATi I <0-29 30-39 40-49 50-59 60-69 70 AND 90-29 40-49 mm 70AND OTBI 1 .7 2.3 6.0 8.9 15.9 • • J2 .8 2.6 8.6 16.8 • . 2 1.8 1.5 9.2 11.0 9.0 • • .7 .6 6.2 13.8 19.0 3-5 1.1 2.9 6.1 11.3 12.1 .4 1.3 4.2 15.5 36.5 . a 1.0 2.6 6.2 10.5 18.3 11.9 .4 1.3 4.9 17.0 51.7 115.5 CANADIAN MEN 1 1.9 3.7 2.0 16.4 4.7 .5 1.0 .9 14.1 8.4 2 .5 .8 1.2 3.2 5.4 • • J2 .5 5.0 7.6 3-5 .7 1.0 4.7 11.6 19.7 .8 A 2.8 14.8 40J iandsab. .2 1.2 3.4 10.1 12.1 10.3 .1 .5 2.4 13.9 41.9 89.5 Oii€;anic Dubases of the Heart PERCENTAGE OF TOTAL DEATHS 1 RATIO PER $10,000 EXPOSED TO AMERICAN MEN A«atDiath Act at Death SO-29 30-39 40-49 50-59 60-69 79amd OVEH 20-29 30-39 40-49 50^ 0049 70and 1 2.5 5.4 8.9 8.8 18.5 • • .7 1.8 1.7 8.1 14.4 2 1.8 3.9 6.3 6.5 7.6 • ■ .7 1.6 4.2 8.2 16.1 3-5 3.2 4.1 6.4 9.0 12.1 1.2 1.9 4.4 12.4 36.6 7.9 10.7 1.0 2.2 6J2 18.2 55.0 127.3 CANADIAN MEN 1 3.1 1.8 2.5 11.0 • • 9 • .8 .5 1.1 9.4 • • 2 1.4 .8 2.7 5.2 5.4 • • .5 .2 1.2 8.1 7.6 S-5 1.6 1.8 4.6 7.6 9.5 • • .6 .8 2.8 9.4 19.8 3.6 7.3 8.9 14.3 11.6 I .8 1.6 5.2 12.31 49.6 loiuo 30 AMSBIGAN-CAKADIAN MOSTAUTT BXPBiaENCE DEATHS BY CAUSE PSRCENXAGE OF TOTAL DEATHS RATIO PER $10,000 EXPOSED TO RISK IinuB4iiaB AMERICAN MEN An AT DsAn AoD AT Death 20-29 80^ 40-49 60-69 70AND 20-29 30-39 40-49 50-59 00-69 70 AMD 1 8.1 10.4 10.5 11.4 11.9 • • 2.3 3.4 4.6 11.2 12.6 • • 2 8.3 9.1 9.1 8.6 10.0 • • 3.0 3.8 6.1 10.8 21.2 • 3-5 6.1 10.6 9.2 7.8 6.8 • • 2.4 4.7 6.3 10.7 20.6 • 6aiidsub. 8.5 8.2 8.2 6.9 7.0 7.6 3.7 4.0 6.4 11.8 27.2 73.7 CANADIAN MEN 1 6.3 8.7 35.5 9.3 7.0 • • 1.6 2.4 15.5 8.0 12.6 • 2 5.8 12.2 21.2 17.9 5.4 • • 2.1 3.6 9.2 27.8 7.6 • • 8-6 5.4 8.2 8.6 6.7 6.8 • • 2.1 8.6 6.2 8.2 12.1 6aiid8ub. 6.1 10.0 10J2 6.9 6.1 7.9 2.8 4.4 7.2 9.6 21.0 68.8 Nephritis and Bright's Disease PERCENTAGE OF TOTAL DEATHS | RATIO PER $10,000 EXPOSED TO RISK AMERICAN MEN Taul Am atDb&th Age at Death 20-29 30^ 40-49 50-59 60-69 70 AND 20-29 30-39 40-49 50-59 60-69 70A1ID OVER 1 2.1 3.0 5.1 5.4 3.3 • • .6 1.0 2.2 5.3 3.5 • • 2 3.6 3.9 6.7 6.4 8.8 • • 1.3 1.6 4.5 8.1 18.7 • 3-5 3.5 4.5 8.6 10.4 14.2 • • 1.3 2.0 5.9 14.2 42.8 • • 6 and nib. 3.7 5.8 10.2 18.2 12.7 9.8 1.6 2.9 8.0 22.6 49.5 95.9 CANADI AN MEN 1 .5 1.3 2.0 10.7 • • .1 .4 .9 9.2 • • • • 2 .5 3.6 6.5 9.7 54.1 • • .2 1.0 2.8 15.1 76.0 • 8^ 1.6 6.0 10.5 5.1 6.6 • • .6 2.6 6.4 6.3 13.8 • • 6 and sub. 6.1 12.0 9.9 7.3 5.8 1.2 2.7 8.5 13.6 25.1 50.5 Ymut PERCENTAGE OF TOTAL DEATHS | AMERIC RATIO PER $10,000 EXPOSED TO RISK AN MEN Aam AT Dbath Acn AT Death 20-29 30-39 40-49 50-59 60-69 70 AND OVER 20-29 30-39 40-49 50-59 60-69 70 AMD OVER 1 2 3-5 6aiid8iib. 22.6 16.9 15.9 12.8 20.6 18.9 13.6 10.2 15.2 14.0 11.4 7.9 12.4 7.9 5.7 5.4 18.5 5.7 4.1 2.3 • • • • • • 1.6 6.4 6.1 6.2 5.5 6.8 7.8 6.1 5.0 6.6 9.4 7.8 6.3 12.1 10.0 7.8 9.2 19.7 12.2 12.3 9J. • • • • 15.1 1 2 a-5 6 and sub. CANADIAN MEN 29.9 32.8 20.8 20.4 27.2 28.0 28.3 11.8 21.3 11.2 7.7 8.0 17.5 6.5 21.7 4.7 • • • • 14.1 3.0 • • • • • • 2.5 7.5 12.1 8.2 9.2 7.5 8.3 12.4 5.2 9.3 4.9 4.7 5.6 15.0 10.1 26.7 6.5 • * • • 29.3 10.3 • • • • • • 21.8 81 The rate per »0,000 eipowd to li*, rat^^bite ait mUriaimni eoiitfttoii iif an increasing death rate with ad- Ivmdng age from audi dkeaflt is cancer, cerebral hemorrhage and apoplexy, oriude Aeaaea rf the heart and nephritis. The death rate from typhoid fever ii diown as decreasing until after middle life. In the case ot j^^^^ m^ an in- crease in the death rate accompanies advancing Only a general comparison of death rates by riWM at dmm in tlia praiont investigation and in the Madieo^Aetnarial MortaHly InvMUgation is practle- •Mc^ gying to djfcwneat in mgHiodi of tabohtion. In the case of typhoid rT'.r n / *^'™f ^ ^ mortaUty rates, those of the cuiient oiViBUgation bemg much lower. In the case of tuberculosis of the lungs, there appears a marked ia^nm- ment in the first-year experience as shown by the praent inveatiiatioii om tilO corresponding results of the Modieo-AetuariaL In the Medico -Actuarial at wdl as in tfia pMcnt in?wi4gation the death *^ " • tendency to decrease with duration of P«2j;^!™^ ^ increaMxl age, and yet to increase for any given fi»«tioil IWOI uie age attamed. Aa it was difficult to make a comparison between the relative deaths from various causes among American and among Canadian men, the «aq»etad deaths among Canadian men were ^^«>HTtetfii on the c( tfia j fa th rates per thousand exposed to risk among Amaicans. In otiier woitis, Ihe total S!^, ^^aiS^ Canadian men were obtained for each of the nine ^1™^^ ^MMM • cecgmig to the rates found among American men. The out- m^i^feBtmw rf ma investigation were markedly greater death rates among Amman than among Canadian men from cerebral hemorrhage and «|M«rlOTy organic diseases of the heart, diabetes, nephritis and Bright's disease and a slightly srreater death rate in the case ol |«M»mm iia In the case of a«fiilmr the Canadian death rates mrs the h)|^. MORTALITY UNDlilR FOUCIfiS FOR LARGE AMOUNTS The companies supplied the initials and the date of birth of the insured where insurance of $50,000 or more was effected on one application, in order ^hAt an investigation might be made of the mortality on policies for large mn ^pwiiM on individual risks. Unfortunately, the amount of data is small beeam a smaD part only of tlis alatisties of the large oon^^ It irill be remembered that for the years of issue 1900 to 1SI4 mdunv e, the larger the company the smaller was the proportion of data contributed. The younger companies which contributed their entire data had very little ex- perience on policies of $50,000 or more. Tlie investigation was divided into two parts, (a) insurances for $50,000 or mm on Mividaal ttvss; (b) insurances of $100,000 or more on individual lives taken out in amomts oil at lemt $60,000 per polii^. The investigation was Hmited to the date OB AflMriean men, tiie eqweted the AM table. On account of the limited amount of d«ta only the foHowing synopses of the two investigations are given : Policies ran $50,000 OR MoBB AMBaCANMIN First Fivb Insubance Yeabs AOB AT EmTK 1 AoTUAi* Dbaxiw ISfUMD Paif SMTmm Ratio or AokuUb 20-29 60 and over $100,000 439,500 790,000 STT^M $37,500 184,100 549300 «8,M0 266.7% 238.7 143.7 4M Totals $1,606,800 $1,374,000 116.9% Sixth and Subsequent Insurangb Ybabs Attained Ags Actual Deaths Kkpected Deatbb AM Table Ratio of Actual TO Expected DsAnn Under 46 46-55 56-65 M-75 TV and orar $300,000 1,234,000 1,295,200 1,211,700 776,000 $221,600 741,900 1,217,100 1,228,200 719,700 135.4% 166.3 106.4 98.7 107^ Totals $4316,900 $4,128,500 U6.7% Bmicai fW $60,000 or Uoaa^ontinued AMBICANMEN All Agbs at Emtby Cgmbihbd 1— ramrm Ym4B £XPECTED DeAIW AM Tablb Ratio of Actual TO Expected Deaths 1 2 S 4 5 6 and sub- sequent Totals 1516,800 800,000 150,000 490,000 150,000 4,816,900 1288,900 277,200 291,800 292,300 278,800 4,128^ 220.9% 108.2 51.4 167.6 58.8 116.7 $6,423,700 $5,502.500 116.7% Aggregate Amounts of $100,000 QiqBR AMBSICIANIIIN First PrvE Insurance Years Actual Dbathb ExpECTKD DiAsn AMT4MI Raito^^Actual IMtfSO 80-89 40-49 50 and over $100,000 50,000 510,000 • • • $14,100 75,000 289,800 245^ 709.2% 66.7 176.0 • • • Totals $660,000 $624,700 . Sma AND SCTsaqiOT iNBimANcaB Yb4^ AnAonni Aam RZPECTED DEATBi AMTablb Ratio of Actual TO ExpBCTBD DsAnn Under 46 46-55 56-66 66-71 76 and over $100,006 810,500 550,000 100,000 376,000 $115,900 852,000 247,300 269,000 86.3% 230.3 222.4 37.2 10L6 Totals $1,985^ $1,358,400 14S.0% 14 Aggregate Amounts of $100,000 or Over— Cot ittim s rf AMERICAN MEN All Acm AT ENTRT COMBIMED Insubance Year Actual DsAin Skpected Deatm AM Table Ratio of Actual TO £ju>ectbd DsAms 1 2 8 4 5 6 and sub- sequent Totals ■ • • $250,000 50,000 260,060 100,000 1,935,500 $102,300 121,500 135,700 136,800 128,400 1,353,400 • • • 205.8% 36.8 190.1 77.9 148.0 S2,595>600 $1,978,100 181.2% In accordance with expectation, the mortality was higher than normal, about 17 per cent in excess of the AM table on policies for $50,000 or more and abotttai per emt. on poUcies of $100,000 or over, on individual lives. Vma the two ta Mf there can be deduced the experience on cases for $50 000 but kss than $100,000. The esxpeebsd death losses on this group would be $3,524,400, and the actual, $8,828,200, aratio d actual to eipeeted of 109 per cent. ^ i . As the committee's data were not extensive, three of iJie large eompames were to supply their experience. One of these informed the comnutfcee that under policies issued from 1880 to 1915, for an aggregate amount withm a ^tif lA fil ffuV ymt (d $100,000 or more on individual lives, the mortality washout 25 per cent in eaossi U the normal movteUly of the company on all itsinsurance. ThedatawewmowthanthwetiiBesMlaifBasmlheAi^^ Canadian experience. ^ ^ • i r In 1909 another company investigated its experience on fives insued for $50,000 or more, covering issues from 1868 to 1907, inclusive, earned to tiie ar^ in 1908. The experience was confined to the sections in which no special advene mortality had been eiqierienced. With this object in view iF^mtod territory was aidnded, also southern and eastern Europe and the Southern States. The standard adopted as a basis of company was the American Experience Table modified to cover seleetion. The modifi^i<» sisted in assuming a graded scale of percentages for differrat years of dwation, the first year percentage being 50, increasing to 95 for the sixth to tenth yews indiMive, and to 100 per cent, for the subsequent years. On this basis the psraiertMe ef aetual toeipeeted deaths on lives insured from $50,000 to $99,999, ^fdvTwas lOT^ per ceiO;., and on those msured lor $100,000 and over it was 113.2 per cent., thegeneralaverafsbemglOftaperoent. Th^P^r^^^ges are by lives, the corresponding pw»ntage by amounts bang 106.7, 11^ 6"^ll^ Dividing the experience by age at issue, the percMitage of aetual to eqpeetod ^h^ tfrff by lives on policies issued at ages under 40 was 102.0, and for those iMiedover40,lll^ 35 Dr. Brandreth Symonds, chief medical director of the Mutual Life Insure ance Company, addressed the Association of Life Insurance Medical Directon at their annual meeting held in January, 1919, on "The Mortality Bmrinfii on Risks Insured for S50.000 and llfmmm^^ nm^ ffHiatinn/* TtmMtMm V^^mm mms la lfl«. Tlw sMMics wm divided mto three classes, i wl i MM lin g wpm tlw aggregate amount of insurance on each individual life if iMed in one application: (1) $50,000 to $100,000 inclusive; (2) over $100 000 to $250,000 inclusive; (3) over $250,000. The following is a synopsis of' the results, the expected deathi being cakulated har the Medkio Actiiarkl Mar^ tality Table. ^^^^ ' Imrnmm IMS to Inclusive BT APPLICATICiai Clam Actual DsiM Ratio of Actual to expbctbd dsaths 1 m mM 107% t m 20.76 96 g 6 2.02 247 Totals L 825 304.20 107<5^> BT AHOITJfia IBBUBBD 1 $18,016,100 105% t 96 • 990,512 288 IM.557.500 120,944.048 * 113% Claaees 2 and 3 are smaU. If eoBaUned^ nwrtaKty wodd be 110 w «»t.b7inKe^fciQiisaBd ^ , ft* * ^fmoiidi ghFes tiie experience by causes of death, and alio lie oMffliulloii by build groups among the risks for large amounts com- pared with the general experience of the company. He also shows the ex- perience of the Mutual Life with regard to steady free uaera ol aiooboL Aa the result of his study he suggests that the following iBfaenees be dnHm* "1. Applieaiits for larfe amomitB rwdartr eit and driak mn^ than tke araave and OMwe tea fliegr to. ''[v^Jf*^* BioreMbieet tiiaB 1^ average to 'the interested intrusion if UiMNiiid Ives,' iriiether this unsoundness be due to finances, health or habits. "3. The most elaborate investigation will not always reveal the truth as to finances and habits, but the more rigid it is, the better is the result. "4. The most careful medical examination shook! be iiiel Muted to ^^fhdt Hie faintest beginningi of the ili pHaaaiiiie diMassa. Laiie rUoi am aubjeet to the s e aad dieel th i m> i ini M thiyareyomiterlian> ''5. Even with the utmost care fai examination, investigation and selectioiiy the laife risiia nUl not shoir aa km BMartafities as in the gnsral experi^iee of « flnt'dass eoamiaiiy aaMiig Ka alMidard Kvis, for Hmj eait and drink too much." It seems to be certain that ttte mortality among large risks taken at one time is higher than the average of the companies for risks of all amounts. It is probable, on the other hand, that the mortality on cases of from $50,000 to $100,000 inehisive on persons who have gradually increased their insurance as tfasir means permitted, over a aeries of yearsyiPoaU be satisfa^ Thereisa ilMral faeiirf tiwt a good mortaHly eonU be obtained on more taken m one application, proivided the so-called moral hasard could be eHminated, and provided men who had overworked in attaining their wealth could also be eliminated. At the present time there is probably a smaller proportion of cases involving moral hazard in connection with applications for large amounts than in previoos years, as many men are now maMng provision tor pagrmeiit of inlMritanee tam tiafoiigh insnran^ merdal praettee to iaanre f or tte bsMit of tlM eorporatiflii the ea^ are neeessary for its success. TABLES MORTAUTY EXPERIENCE BY PLAN OF INSURANCE AMEftlCAN MEN OmUMARY LIFE PLAN Smcm ThULTBH n AM Tabub Inr imwuwci Yeas Exposed to |868»800 480,800 803,400 1,996,000 2,864,600 4,423,100 6^802,800 8^700 10,435,200 12,052,700 14,169,400 15,803,400 17308*800 3i8|^J8^^i^l88 80,802400 22,354,500 22,046,700 24,256,000 24,749,800 26,363,500 27,161,300 25,604,500 26,612,700 28,121,800 26,225,000 24,578,900 24,349,700 26^281400 81,880,800 22,383,300 19,211,500 19,192,100 17,8&1,400 Actual Dbai $1,000 2,000 11,000 12,500 11,000 20,000 47,000 18, 20,< 30,000 51,000 70,000 684no 80,600 72,700 59,500 58,200 44,600 mjm 75,200 221,000 118,200 154,000 62JI00 128,800 149,400 70,500 115,700 IfiAgOO 108300 60,000 120,000 129,500 uo^oo Expected Deaths Age at Entbt 1600 1300 2,400 5,300 7,600 12,100 18300 28,400 29,800 35,100 41,500 46,700 61300 6M0O 00300 67,300 66,400 73,200 7^800 80300 83,300 87,800 85,300 91,500 88300 104,400 101,700 100,300 104,700 nwoo 118,900 115,100 105,500 112,600 112300 81 52 53 54 55 67 58 59 60 61 64 65 Totob Exposed TO li73i 14,982,700 14,149,800 11,994,400 10396,700 10,053,000 7i886300 7,084300 5,991,300 4,974300 4,467,000 2,504,800 2i868l^400 1,082,600 691,200 Actual Deaths 1118,700 122300 215,700 103,100 119,000 101,500 74,700 71,600 72,600 66,200 44,500 23,000 26,900 4,000 27,500 7,000 Expected Deaths fUMOO lOMOO 111,300 102,000 94,700 99,900 84300 88,800 75,900 68,400 66,700 40,500 88300 27400 21,400 15,600 83^464388 40 MORTAUTY EXPERIENCE BY PLAN OF INSURANCE A^IERTr.ATSI MEN CMUMHURY UFK BUM 2d Imukancb Year Exposed to Actual Deaths $168300 284300 560,500 1,189,400 1,627300 2,408,600 8376300 4,491,100 5,543,000 6,688300 8,095,400 9,447,400 10,1^4300 12,446,400 12,895,700 14,120,000 14,281,600 I63OO3OO 16388300 16,916,600 17,342,700 17,629,700 17,474,000 18,299,600 18384300 19,770,500 18,337,600 17,421,400 17,419,800 17,988300 17,665,500 15,356,200 13,951,900 14,172,600 I839I4OO 86j088 4,000 4,000 12,000 20,000 19,600 28,000 31,500 16,000 51,500 44300 29,600 45,500 55,700 42,000 73,800 91300 118,000 106,000 132,500 60,700 107,000 106,000 98,900 154,500 104,300 186,000 122«600 139,700 178,300 191,000 88,600 177,000 Expected 8600 1,000 1,900 4,200 5,600 8,500 18300 16,700 20,900 25,400 31,100 36,400 88300 48380 50,500 55,500 56,600 65,100 64,700 70,800 74,400 77,900 79,800 86,800 91300 102,700 99,900 100,100 106,200 116400 122,000 118,100 110,100 120,100 121300 Age at 60 a 52 53 54 55 66 67 58 59 60 61 62 64 65 Totato Exposed to $14300300 II3I83OO 10,932,600 9,267,500 8323300 8,187,400 6391,500 8498308 4,958,100 4,341,700 3,970,100 2,377,700 2.121.000 13^,408 1,145,200 728,000 6588,014,880 Actual $154,000 147388 128388 144,700 171300 79,600 105,500 88380 88380 70300 85,100 43,200 44,000 88388 88380 48,000 64,076,900 Expected $139,000 121300 12^708 114,400 111,100 118,500 103,200 108300 91,400 86,900 86,100 56,000 54,200 88380 84300 23,800 $^547,900 41 MgrnxMOY mmmmmm by plan of insurance AMERICAN MEN ORDINARY UFE PLAN Expected Deatbb «t AM T41U 3d Insuiuncb Yimi Age At Ejmnr 15 16 17 18 19 22 23 27 28 29 SO 21 24 35 36 37 28 40 41 42 43 4S 46 47 48 42 TO $132,000 226,200 431,500 977,900 li2H220 1,922,800 3,057,100 3,687,600 4,607,000 M^209 e,6IM22 7,924,800 8,567,100 10,377,700 10,914,400 12,214,300 12,244^ 14,219,900 12,881,000 14,420,800 15,392,700 15,479,500 15,669,400 16,269,000 16,277^ 17,746,400 16,444,200 16,028,800 15,545,400 1M2M60 16,840,200 14,151,000 13,016,800 13,729,300 12JL28ti000 $5,000 2,000 2^600 2,600 11,000 13,000 25,500 14,000 27,000 18,000 21,000 26,500 54,000 79,000 69,000 72,600 61,500 47,800 45,000 106,100 73,600 86,200 131,300 106,000 $500 800 1^ 24i00 4,900 7,400 11,800 14,500 18,300 21^ 26,800 32,100 34,800 42,200 44,600 60400 60,900 60,300 59,100 63,800 70,300 73,200 77,300 88,900 88,700 129,500 83,500 128,500 71,600 221^ 104,000 170,600 127,500 177,900 212,700 101,100 99,300 102,700 106,400 116,200 123,900 119,100 117,800 133,800 128^600 50 61 54 55 56 57 68 60 61 62 63 64 TO $13,900,800 11,376,600 10,633,100 9,852,000 8,427,600 8,007,800 6,933,600 6,222,900 6,221,700 4,576,000 4,139,200 2,335,600 2,085,700 1,471,000 1,22M00 209,000 Totals 6460,475,500 Actual Dbatu |12%200 118,600 180,500 162,800 144,900 125,000 109,000 100,700 137,400 89,500 51,300 117,800 48,000 68400 40,900 39,000 $4,192,200 Expected Deaths 1168,600 140,400 142,400 135,800 132,900 137,100 129,000 125,700 114,700 109,200 107,400 65,900 63,900 48,900 44,800 31,800 |3»790,400 MORTAUTY EXPERIENOB BY PLAN OF INSURANCE AMERIGAK MKN OBmtUMX IMm BUM 4m Ii Ymm AOB AT 16 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 25 36 37 38 39 40 41 42 43 44 46 46 47 48 49 Exposed to Risk $102,000 210,700 353,000 841,200 1,172,800 1,667,300 2,728^ 3,166,100 3,812,500 4,794,100 5,899,000 7,029,800 7,676,800 9,091,200 9,785,000 10,895,600 11,225,600 12,724,200 12,151,100 12,920,100 14,185,900 14,184,600 14,708,300 14,764,900 14,971,100 16,186,600 15,081,600 15,079,300 14,149,700 14,250,600 14^800 12,960,800 12,036,300 12,934,500 12,754,100 Actual Deaths $1,000 3,000 15,500 10,000 8,000 16,000 23,500 24,000 35,000 43,600 17,600 12,500 88,000 70,000 75,200 67,600 138,600 60,500 99,500 77,500 70,000 86,800 106,600 93,000 112,000 100,800 105400 168,900 29,600 109,500 157,200 232,200 Expected Deaths 1400 700 1,300 3,200 4,500 6,500 10^200 12,800 15,500 19,700 24,300 29,100 31,800 27,600 40,800 45,900 48,200 55,800 64,600 60,000 68,200 71,000 77,000 81,200 87,000 99,800 99,100 105,700 106,100 114,600 126,200 121,100 121,500 141,500 161,100 Age at Entby 60 51 52 53 54 56 66 57 58 59 60 61 62 Exposed to Risk 64 65 Totab $13,220,900 10,597,600 10,029,200 8,993,700 8,330,400 7,736,900 6^,500 6,357,600 5,392,300 4,794,600 4,456,700 2,287,000 1,206,400 1,551,600 1,196,400 851,000 Actual Deaths $425^471400 $188,700 130,900 102,200 139,300 losiooo 17:moo 146^100 178,700 125,500 142,700 192,400 20^ 62,900 34,000 34,500 22,500 K164|S00 Expected Deaths $169,800 147,800 152,100 148,300 148,300 161,000 147,300 146,900 135,600 131400 132,600 lAjm 70,100 59,400 49,800 38,400 43 AMEXKAN IHN ORDINARY UFE PLAN Expected Deaths by AM Table 5th Insurancb Ybaii Exposed TO Actual Expected Age at AOREAIf mamatm WiKfn Risk Deaths Deaths £ntht Dsas U $102,000 • • • $400 50 $12,894,600 $154,800 S189 000 16 181,200 • • • 700 51 9,810.000 135.900 158 700 17 300 000 1,100 •7«uOl.4UU » S 1 /* il o/\/\ 18 733,200 1,000 2,800 68 8^866^ 188d00 li &000 64 849^800 86l700 170900 m 1,468,800 3,000 6,900 55 7,420,800 150,900 168,500 3C1 O ASA £!AA 10,500 10,100 56 6,673,900 126,800 165,000 22 2,889,500 17,000 12,100 57 6,128,300 170,300 164.900 23 3,465,400 31,500 14,600 58 5,204,900 173,800 152.400 4,421,400 18,000 1Q QAA 58 . 4|H8^ 126y400 l^J.00 25 5^,500 18^ 28,100 80 4,288,200 98,500 148,500 mm H A%it AAA 51,200 27,500 61 2,188,800 118,200 82,600 27 7,808,100 30,000 31,300 62 1,995,000 158,800 81.800 28 8,538,000 26,000 36,800 63 1,608,600 91,400 71.800 29 9;277,300 25,900 40,500 64 1,099,400 102,500 53,200 66 794400 88,000 41J0O 30 10,431,500 71,100 46,400 1A Aftfi QfIA 48^ Totab 84,488,280 $4,292,300 82 U,8i84m 84,000 66,400 88 11,512,100 86,300 55,400 34 11,882,300 49,500 59,500 35 13,124,100 152,600 68,600 36 13,305,300 93,100 73,000 13,680,700 106^800 78,900 88 18,fl8»800 68,200 86,800 88 18,852,200 146^ 90,400 40 15,348,500 110,500 105,900 41 14,010,600 124,600 103,300 42 13,812,600 117,000 109,300 43 18,178^000 120,500 112400 mAoo 122480 45 13,631,200 105,300 135,200 46 12,277,400 95,700 131,800 47 11,397,100 131,500 132,500 48 11,979,200 154,500 151,000 12|814,fi00 178^700 187,800 44 MORTALITY EXPERIENCE BY PLAN OF INSURANCE AMERICAN M£N ORDINARY L1F£ PLAN DsAim n AM Tuu 8ni AND StMwmPf f Imhiiiamcb Ybaiis At- tained Age 20 21 24 25 26 27 28 28 30 31 32 33 84 86 36 37 38 89 40 41 42 43 44 45 46 47 48 49 60 61 52 53 54 55 56 67 68 69 £XP08ED TO Risk $79,500 219,200 460,200 1,000,800 1,793,400 3,027,000 5,060,300 7,349,400 10,273,400 14,077,600 18,795,000 24,501,900 30,567,800 38,334,400 46410400 66,816,400 65,030,000 75,101,500 85,721,400 97,008,200 108,962,800 120,889,000 132,845,400 144,659,000 155,827,600 167,009,900 176384,800 186,966,000 195,029,200 203,258,100 212,126^600 220,890,000 227,722,700 233,609,400 239,396,800 246,174,400 250,299,800 251,808,000 252,248,300 262,495,100 Actual $5,000 2,000 14,000 34,000 49,000 56,000 84,000 82,000 128,500 126,300 258,500 298,800 316,000 421,200 401,700 462,300 646,700 624,700 779,300 951,800 1,108,200 1,245,300 1,491,500 1,472,700 l,476,0t 2,215,300 2,520,800 2,708,000 3,015,600 3,634,300 3,385,700 4,020,700 4,264,800 5,651,500 5,811,70016,209, 5,396,600 6,389,800 Dbathb $300 1,900 4,200 7,600 13,000 22,000 32,300 45^ 62,400 83,800 109,800 137,900 176,000 217,200 264,400 321,300 384,500 456,100 589,400 636,300 744,700 868,800 1,003,900 1,156,200 1,326,100 1,607,100 1,707,200 1,928,800 2,174,900 2,456,400 2,770,000 3,101,600 3,452,700 3,849,500 4,300,700 4,760,700 5,678,000 6,183,600 Ai^ tained Age 60 61 62 63 64 65 66 67 68 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 Totals £ TO Risk $252,855,800 251,596,600 249406,700 244,270,000 238,437,000 231,021,200 221,092,600 209,950,900 197,884,700 186,188^ 171,376,600 156,582,300 143,954,100 131,170,400 119,718,100 107,264,600 94,464,900 82,550,300 71,125,700 60,297,200 50,626,700 41,527,900 33,926,700 27,640,700 21,822,000 16,754,600 12,514,000 9,164,200 6,693,500 4,817,400 8,268,500 2,266,300 1,481,100 871,200 517,300 320,800 168,600 80,600 36,000 9,000 4,500 $8,212,375,700 Actual Dkaths $7,055,200 7416400 8,229,100 8,384,700 8,814,900 9,848,600 10,097,200 10,542,600 10,078^600 11,266,700 11,179,000 10,415,000 10,302,200 9^,200 9,541,500 9,826,200 9,523,400 8,804,600 8,480,700 7,654,500 6,701,800 5,785,200 5,229,000 4,807,800 4,100,200 3,851,300 2,795,900 2,012,800 1,667,100 1,208,200 880^ AAA AAA 464,500 296,500 171,300 156,200 78^ 40,500 27,000 4,500 4,500 $288,766,300 Skpecteo Deatkb $6,746,200 7,803,800 7,876,200 8,395,600 8,912,800 9,393,300 9,767,900 10,084,000 10,288^ 10,487,600 10,534,500 10,444,000 10,412,200 10,28^400 10,166,600 9,861,900 9,400,200 8,886,600 8,272,600 7,578,800 6,872,100 6,080,500 5,356,000 4,700,300 8,996,700 8,301300 2,650,500 2,082,900 1,633,700 1,260,700 916,300 678,700 475,600 297,800 188,100 124,400 68,700 40,200 16,500 4,500 2,500 $283,546,900 45 MOilTAUTY EXniffiNCE BY PLAN OF INSURANCE AMERICAN MEN 19 AND 20 PAYMENT UFE PLANS ^^^^^^^ Fxi'KrTED Deaths BY AM Tablb 1st Insurance Ybar Age at Actual r EXPOBKO TO Actual R Y PHT'T v n DlATHS 15 $1,172,8W > . . . $2,90( ) 50 $5,073,70( |42,00( ^ 124400 16 3 959 20r ) 51 4^002i80( 24,801 D 29,200 17 8,062,60( ) 25,00C ) 20,60( ^ 52 2356,90( 18 60( ) 28,800 18 16,178,00C • ^ 45,50C ^ 42^ \ 52 1 vv AAA m \ nm » 60,00C f 54 1,866,90( » 82,295,80C ► 85,500 88,200 > 55 1,550,30( ) 26,00( ) 16,400 21 47 4.91 SOfl 1 1 Q QATi llo,olHJ j lt>l,800 56 1,322,00( ) 2/KN > 14,800 22 49,347,500 161,000 139,700 57 904!20l ) 22IMM 9 lUyDUU 23 51,176,700 198,200 146,400 58 642.90( k o OAA 24 61t907^ 140,000 151,100 59 548.80( ^ K nor 26 52,916,700 125,500 155,000 60 584,70C > 7,00C ) 8,700 211 WW lo5,700 153,200 61 183,70C > . . . 2^000 27 51,346,700 141,500 153,000 62 127 80C 9 QAA 28 50,520,900 119,800 150,600 63 72.900 ' • . , t ilAA 29 139,500 144700 64 121.401) 1 O 'TAA 29 49,44(^000 122,500 148,800 65 122,000 2,500 2,700 21 40,000,0UU 1 01 CATV 1^1,500 131,400 22 43,583,300 115,800 131,600 Totals SL099.042.702 22.4JI7 AAA » 42,179,300 131,200 129,100 34 39,500^ 121,000 122,800 35 39,566,600 188,200 126,000 36 35,424,600 85,700 114^ 27 OA QfW\ 1#V7 AAA 88 30,468 JOO 70,800 104,800 « 27,071,300 53,000 96,900 40 25,310,600 101,500 93,900 41 20,952,600 63,000 81,200 42 19,639,600 57,000 80,100 48 17411,TW 69,000 73,600 44 11^021,000 33,500 68,400 45 13,494,600 39,500 65,000 46 10,222,700 28,000 52,500 47 9,030,300 47,500 49,600 48 7,512,700 107,200 44,100 49 5,876,700 40,000 27,000 41 MORTALITY EXPERIENCE BY PLAN OF INSURANCE AM£BICAN MEN If AND 22 FAYMINT LIFE FL4NS Ezncm DmArm vr AM Tablb 2» ImuiiANCB Ybaii Exposed to Risk 1778,400 2,578,400 5,140,300 10,013,900 13,910^00 19,878,800 29,540,000 30,416,700 32,959,500 33,923,200 36,040,500 36,440,900 26,661,300 86,860,300 36,540,500 37,027,600 33,969,200 22,851,800 22,464,100 31,038,300 31,469,900 28,320,300 26,200,500 24,771,300 22316^400 21,117,500 17,771,200 16,366,500 14,485,800 12,567,700 11,219,500 8,834,400 7,544,100 6,581,600 4,907,600 Actual Deaths $4,000 7,000 15,000 40,500 43,700 56,000 100,800 108,100 137,700 116,600 108,400 149,500 119,000 143,000 126,000 140,000 109,000 109,200 104,500 132,000 104,000 112,000 117,300 108,400 91,800 83,800 69,000 123,500 136,000 71,500 54,600 63,000 43,000 25,000 24,000 Expected Deaths $2,500 8,500 17,300 34,400 49A)00 71,400 108,100 113,200 123,900 128,900 138,400 140,700 142,200 144,100 143,200 145,500 134,900 126,100 186,900 129,700 135,000 125,200 119,700 117,400 110,200 109,600 96,900 94,100 88,200 81,200 77,400 65,100 59,500 55,700 44,700 Age AT Entry 50 51 52 53 54 55 56 57 58 59 60 61 62 68 64 65 Exposed fo Risk $4,533,000 3,625,000 3,347,900 2,409,700 1,663,600 1,401,800 1,449,500 854,200 562,900 500,000 472,400 192,900 119,600 74,800 122,800 107,500 Actual Deaths $21,900 80,200 16,500 27,500 10,500 5,000 12,500 23,500 11,000 4,000 6,500 • • • 11,500 • • • 1,000 3,000 Expected Deaths $44,400 38,300 38,200 29,700 22,200 20,200 22,700 14,500 10,400 10,000 10,200 4,600 3,100 2,100 3,700 3,500 47 Mo&TALHif sxraasmsL my plan of insurance AMBBICAN MEN It AND 20 PAYMENT LIFE PLANS BxPECTBD Deaths by AM Tabli 3d Insurance Year AOB AI Minn £XP0BED TO Actual 1 Acoii Actual A/SATBa Drasbm £XPBCTSD •A**» AO fo68,70( $2,00< $1,90< 50 $4,817,6C >0 $57,30 I6M0O u 1,968,80( } 5,00^ [) 6 90< \J Ox o,o^,5€ ^ 71,00 4M0O 17 4,036,00( ) 10,00( ) 14,301 ) 52 8,848,7c 44,800 lo 8,101,20( ) 27,00( ) 29,50( ) 53 2y41g.6G 00 on If af fk 1 1 N 1 ) 4&M ) 41f70( ) M 1,7S8.00 29,00 27.300 on 16,24640( > 76,80c ) 61,70( ) 55 1,485,80 24,00 25,400 21 ^ 107,60( ) 95 80f ' 00 1 >l err rk/\ 1,457,90 13,50 27,100 25,935,20€ > 99,50C ) 101,40C ) 57 868,80 17,00( 17.600 mo OA 28,540,60C ► 145,00C > 113,00C ► 58 567,10 t> 17.00( ) 12.400 cA 29,764,5(K] lOl^OOC 1 59 677,90 D IVW > 16l200 " ■ w, 7,0M ^ 4400 Qn ou o4,7yo,800 111,500 143,000 65 IMMWC > 8,00c > 4,000 31 32,304,000 104,500 134.400 32 QQ 32,385,000 Q1 ^SAO AAA 106^000 187,800 Totals |751,524,00C M 13,428,700 63.788.960 144,000 186,500 M AA AAA AAA i07;aoo 131,200 oO 99,500 135,600 36 27,460,800 141,100 129,900 87 25,925,500 100,400 127,800 38 24,319,500 d5,000 125,500 8» 21^7»900 128,000 119,800 40 20,732,800 95,700 118,200 41 17,658,700 93,500 106,700 42 16,178,700 84,000 103,700 4S 14,169,600 93,500 96,900 1^7U00 72^ 9^600 46 114264100 96,200 87,000 46 8,778,100 114,000 73,800 47 7,768,600 64,500 70,300 48 6,632,400 52,000 64,700 49 8^700 MiOOO MORTALITY EXP£RIENC£ BY PLAN OF INSURANCE AMERICAN MfiN If AND 86 PAYMENT LIFE FLAMS l>B4ni WW AM Tabus AoB AT Exposed to 15 16 17 18 19 20 21 22 24 25 26 27 80 31 82 33 84 85 86 37 38 89 40 41 42 43 44 45 46 47 48 49 1422,700 1,657,800 8,167,400 6,714,600 9,29^100 13,777,300 21,887,000 22,68^00 25,411,300 26,663,900 29,633,400 30,539,800 31,384,200 81317,700 82,058,000 32,959,400 30,531,400 30,344,300 29,711,000 28,241,900 28,484,000 26,341,700 24,901,400 23,423,900 ?^i1^#00 20,286,800 16,942,500 15,495,700 13,548,800 12,068»200 10,655,700 8481300 7,600,300 6,507,800 5,341,900 Actual Dbathb $8,000 12,000 26,000 43,000 53,100 81,900 79,000 105,900 4ffH 1 Expected Deaths YtMl $1300 5,700 11,800 25,600 86,200 54,600 85300 91300 103,700 144,000 109,600 111,500 143,000 105300 116,000 140300 99,000 79,400 139,800 132,100 1711,000 165,000 106,600 134,200 156,500 108360 118300 80,800 81,700 62,000 90300 124,600 68,000 36,000 58,500 197300 122,100 126,100 129,900 181,700 188^700 139,100 131,000 132,900 188,700 I8I3OO 136,700 132,000 130,500 128,800 128400 125300 111,300 108,600 101,600 97300 92300 79,800 76,800 71,200 63300 Age at Entbt 50 51 52 53 54 55 87 58 59 60 61 62 64 65 TotRk Exposed to Risk $4,715,500 3,529,800 3,352,600 2,485,700 1,730,700 1385300 1386300 904,300 551,100 699,500 457,100 192,400 8I3OO 79,900 92,300 90,500 $76M68|400 Actual Deaths $60,000 44,000 25,500 41,300 9300 29300 16,500 17,500 9,700 28,000 25,000 5^000 1300 • • 1,00 Expected Deaths $8|474366 $60,600 49,200 50,800 41,000 8I3OO 27300 81,600 20,900 13,800 19,100 18,600 2,900 3,100 3,800 4400 40 MORTALITY EXPERIENCE BY PLAM OF iM^ jgANCF- AM£RICAN MEN IS AND JO PAYMENT UFE PLANS 'Exrmcrm Ihum vt AM Table Sim Inbuumcb Yiioi Jib a AJUnoJUU TU Actual i2 Age A' r 1 Exposed 10 Actual Expected Sum DB4TBB DSATBS Cntbi DiUlTHS Deaths 15 ' . . . fl^OC ) 60 $4,779,90< ) $60,00( ) 171,200 16 l^MM \ . . . 4,70C 1 61 3,381. 30( ) 21 00( ' Oft, iKJyj 17 2^6A6C ) $9,600 ► 10,10c > 52 3,092,70( ) 50,40( ) 54,500 AO O9Oi.Oyj.u1 \ OA AATt ^2,100 » 53 2,411,50( ) 37,30( ) 46,200 \ Q/1 AAA ol,900 54 1,664,00( ) 1830( > 84300 KA f^AA 48,300 55 1320,10( > do,ooc ^ 82300 21 18,614,800 70,000 77300 66 > 27,00C 1 700 22 19,978,400 86,000 84,100 67 802,40C ) 22,00c ► 21,600 9SL IMA 90,000 68 533,10c ) 7,00c I 15,600 24 24 274 200 o4,0UU 1 AO A AA lUo,40U 59 667,00C 1 16,000 ^ 21300 26 1 AAA 11/? OAA llo,oOO 60 504,10C 18,000 » 17300 26 28,281,400 117,500 121,000 61 228,000 ^ 8300 > 2.400 27 29,161,700 102,500 126,100 62 843O0 ^ 10,000 8,500 28 iio 1 Q7 onn IAI RAA lUi.,uUII 190300 68 79,400 ■ • • 3,500 29 129,01111 182,400 64 87,800 1,500 4300 511 IftQ 000 1 AF^ QAA 100 TAA loo,700 66 79,600 4300 31 28,883,500 120,500 131,100 32 28,904,900 122,500 135,000 I3ifll3ii 33 1AQ 1AA 135,700 2fi.fi^ oon I083OO 97 11*? 7AA 1 1T AAA 117,000 141,800 86 26,406,700 150,000 139,200 37 24,038,000 122,000 138,700 38 22,477,500 161,800 137,100 * 89 20,619,700 109,600 188,600 40 19,689,900 70300 186,900 41 16,282,700 128,900 119,800 42 14,766,900 76,000 117,000 43 13,041,400 79,200 111,000 44 11,258,900 85,400 108300 45 10,305,000 97,900 102300 46 8,212,100 88,700 88,100 47 7348300 66,600 86,400 6,420,800 118,500 81,000 49 4,979,900 48,000 68,200 iO MORTALITY RXPERlRNirF, BY ELAN OF INSURANCE If AND 20 PAYMENT UPE PLANS BsTBCTBD Deaths by AM Tablb 6th and SuMBQUBifT Insuiiance Ybaks At- ismm Am 20 21 22 28 24 26 26 27 28 29 m 81 32 33 84 35 86 87 88 88 40 41 42 48 44 45 46 47 48 48 61 52 53 64 £xposed to Risk $206,200 1,162,800 3,029,000 7302,100 12,967300 21,455,000 35,532,400 49,696,500 65,858,600 88,068,400 102,462300 122,218,700 142,090,600 163,382,400 184,511,700 205,800,200 222,696,600 89,011,000 264,689,400 267,033,800 278,401,100 286,780,100 292336,600 298318300 291,806,400 286,791,800 278,584,400 268,084,400 256,197,900 2423I83OO 229,201,200 214,541,900 200,461,700 184,259,000 166329,700 Actual Dkaths $5,000 6,000 46, 60,600| 98,500 136,700 196,500 220,700 369300 418,600 563,800 569,800 732,100 793,700 1,071,400 1,077; 1,126, 1,323,800 1,236,700 .0001 1,530,100 1,773,500 1,821,600 |2,008300|2 2,117,700 2,085,200 2,268,900 2,036,700 2,194,100 2,809,900 2,692,300 2,941,300 2,967,400 Expected Deaths $800 4,700 12,500 80,100 66,000 92,500 154,600 218,200 290,400 367,900 467,000 547,500 640,800 749,900 863,500 983,700 ,099,600 1328,700 1,354,400 1,484,700 1,625,900 1,766,600 1,911,200 t9,100 2,165,200 2,277,100 2,373,500 2,461,000 2,533,800 23863002399300 2,654,100 2,690,400 2,730,300 2,723,300 2,480300 2,674,600 At- jjxm Aam 55 56 57 68 60 61 62 63 64 66 66 67 68 69 70 71 72 78 74 75 76 77 78 79 80 81 82 83 84 86 86 87 88 89 90 91 EzrayBDTo $149,684,900 132,094,400 116,250,700 101340300 89,191,200 77,953,200 67,859,600 58,606,600 50,146,600 42,632,400 28,100 29,269,800 24,106,300 19,793,200 15,724,200 12,656,800 10,196,700 8,006,900 6,662,000 5,374,400 4,047,400 3,163,200 2,464300 1,966,900 1,549,000 1,214,400 944,900 778,200 555,200 896300 279,100 203,000 128,000 94,500 77,500 62,000 86,000 8,000 'PBt8iljir325,248,266 Actual Deaths $2,633,800 i 2,381,700 2,224,400 1,930,800 1,849,700 1,856,400 1,938,700 1,700,900 1,424,200 1311,400 1,419,100 1,182,400 1,350,200 1,099,300 985,400 606,000 682300 890300 488,100 429,600 402,000 242,900 244,000 197300 149,000 114,400 72,200 68,000 90,000 74,700 68,100 31,000 31,500 5,000 23,500 12,000 22,000 7,000 $74,681,066 Expected Deaths $2,615,000 2,512,400 2,405,200 2392,400 2,184306 2,079,800 1,970,000 1,850,800 1,723,500 1,69^,600 1,448300 1,293,100 1,157,800 1,032,400 890,600 778,000 680,100 679,100 622,200 456,400 372,100 314,800 264300 228,600 194,700 164,800 138,400 122,900 94,400 72300 66,000 43,000 29,100 23,100 20,300 14,600 1Q300 2,600 $78,666,666 61 If I INSURANCE AMEMCAN MSN IS AND as YEAR ENOOWilENT HfHUIANCB PLANS BnMmii DBA»i nr AM Tabui Isr bmuMCB Year Agx at Exposed to 15 16 17 18 19 20 21 22 25 26 27 28 30 31 32 33 S4 37 38 40 42 43 44 45 46 47 48 49 $677,900 1,704,000 2,884,100 4,913,100 6,155,100 8,109,500 10,796,600 1042S^OOO i04M,800 10,040,200 9,823,500 9,134,100 8,895,400 8,78M0O 7,7(M0O 8,823,700 7,381,700 7,353,600 7,245,700 7,0274NM> Actual Itauns 7,223,700 6,562,300 6,222,300 5,959,900 5,576^700 MM.400 5,006,200 4,826,800 4,425,100 3^811,900 17,000 4,000 15,000 22,500 13,000 27,800 19,000 29,100 28,100 28,200 24,000 26,400 28,900 25,800 30,800 15,500 12,000 22300 Expected Deaths $1,700 4,300 7,400 12,800 16,400 22400 S0,000 29,500 29,400 29,200 28,800 26,900 26,500 Age at Entbt 50 51 52 53 54 67 58 59 SZPOSEDTO EUK $1,720,200 1,260,700 1,122,100 921,000 799,700 674,100 465,100 331,700 308,100 206,200 Actual Deaths $7,000 3,000 6,000 4,500 6|000 fll,700 9,200 8,800 7,800 7,400 6,700 5,000 3,900 3,900 zjm 26,600 22,200 22,200 22,200 21,900 16,500 18,800 24,000 7,000 12,500 MORTALITY pvppp'p^^p av blAN OF IMSHJBAMCE AMEBiCAN MEN 19 AND » YEAR ENDOWMENT DiSURANCX PLANS Expected Deaths bt AM Table 2d Insurance Year Age at Entry 15 16 17 18 19 20 21 22 23 2A' 26 27 28 29 80 n 88 34 35 36 87 40 41 42 4S 4A 45 46 47 48 49 Exposed to Risk $512,100 1,362,600 2,228,800 3,808,700 4,7SM90 6,423,700 8,403,200 8,092,700 8,070,400 8,085^ 8,168,800 7,751,600 7,773,800 7,734,200 6,886^00 8,200,400 6390,800 7,139,500 6,893,600 6,803,400 6,857,700 6,573,100 6488,900 5,552,600 5,759,500 5,616,500 5,282,500 4,919,900 4^000 8,876,000 3,976,400 3,779,400 3,100,900 2,443,300 1,970,900 Actual Deaths $3,500 6,500 8,000 13,000 27A00 19,500 54,000 25,000 31,500 25^ 20400 28,900 37,500 20,000 39,000 22^ 19,800 42,500 40,500 47,400 10,500 11,300 85.500 31,100 21,500 16,500 47,300 67,400 50,700 4,000 28,000 13,700 28,500 8^000 Expected Deaths $1,700 4,500 7,500 13,100 16^700 23,100 30,800 30,100 30,300 30,700 81,400 29,900 30,200 30,200 27,000 32^ 27,900 28,700 28,200 28,400 29,400 29,100 28^ 26,300 28,500 29,100 28,800 28,300 29,400 25,100 27,400 27,900 24,500 20,700 17,900 Age at Entry 50 51 52 53 54 55 56 57 58 59 ToWi ED TO Risk $1,647,600 1,165,800 1,021,800 872,500 775^ 677,100 392,100 280,500 212,200 184^ $311^412,899 Actual Deaths $11,000 12,000 12,000 7,000 87,090 11,000 9,000 2,000 EXFBCTBD Deaths $1,938399 $16,100 12,300 11,700 10,800 KMM 9,800 6,100 4,800 3,900 8^700 $M9399 AT 15 16 17 18 19 20 21 22 23 25 26 27 28 29 SO SI 82 33 34 35 m S7 38 39 40 41 42 43 44 45 46 47 43 49 MORTAUTY EXPERIENCE BY PLAN OF INSURik AMERICAN MEN 19 AND 29 Y£AR ENOOWIifiNT INSURANCE PLANS PaACTiBT AM Tabui Bisk Actual $442,400 $1,000 1,133,800 2,000 1,923,000 4,000 3^402^ 15,000 4^e,400 6,500 5,949,200 7,877,600 7,622,000 7,818,600 7,990,700 8,185,300 7,781,300 7,900,100 7,987,400 7,029,600 ^409,400 7,286,300 7,511,400 7,282,600 7,419,000 7,175,100 7,224,600 6,721,000 6,151,400 6,464,900 6,414,700 5,763,000 5,501,700 4,808,400 4,322,500 4,400,500 3,933,200 3,141,600 2,445,100 2,119,100 14,500 29,500 21,000 34,300 38»000 16,000 15,500 15,000 34,100 40,300 51,000 35,700 36,500 26,000 24,000 51,700 41,700 23,000 34,300 32,500 17,300 74, 83,100 20,000 48,000 33,300 57,000 19,000 13,300 10,300 $1,500 3,900 €JBM 12,400 16,100 22,600 30,400 29,800 31,000 31,900 32,900 31,400 32,100 32,400 28,700 34,600 30,300 31,800 31,500 32,900 32,800 34,200 33,100 31,700 35,000 36,600 34,800 35,300 32,900 31,600 34,400 33400 2^400 23,800 22,400 Ag£ at 50 51 B2 53 54 55 56 57 58 59 £xPOa£D TO RlK |lj»i,100 1,277,600 1,068,700 994,900 92^900 667,700 357,200 260^ 246,200 180,800 Expected Deaths $20,500 15,800 14,300 14,400 14j|60^^ 11400 6,600 5,300 5,400 Totals S209,627,4i0 $um.m MORTAUTY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN 19 AND 20 YEAR ENDOWMENT INSURANCE PLANS Expected Deaths by AM Table AflS AT IT 15 16 17 18 19 20 21 22 23 24 26 27 28 29 90 81 32 33 34 35 87 38 39 40 41 42 48 44 45 46 47 48 49 4th Insurance Year BxPOHtDTO $369,700 989,100 1,677,500 3,058,100 3,794,700 5,343,800 7,296,700 7,155,400 7,353,200 7^13^ 7,918,300 7,694,700 7,803,700 7,995,400 7492»600 8^6,800 7,533,200 7,636,200 7,479,300 7,524,000 7,317,500 7,510,400 6,826,200 6,435,000 6,909,500 6,808,200 6,144,000 5388»700 5,014,100 4,369,100 4,571,300 4,045,600 3,210,600 2,510,700 2,212,200 Actual $3,000 5,000 10,000 6,000 22,800 29,500 27,000 21,600 28,000 19,000 35,000 28,000 59,900 25,500 20,000 21,000 27,500 28,300 33,500 17,500 86,700 20,500 27,600 72,500 22,200 46,000 50,700 45,000 10,500 122,100 27,700 50,500 15,500 18,500 EXFOCIBD $1,300 3,600 6,300 11,700 14^ 21,200 29,300 29,100 30,000 80,900 32,600 31,800 32,300 33,100 30,000 85,400 32,300 33,400 33,700 34,900 35,100 87,600 35,800 35,400 40,100 42,000 40,400 40,900 37,600 35,100 39,600 37,800 32,400 27,500 26,200 Age at 50 51 52 58 64 55 56 57 58 59 Totals TO $1,880,200 1,303,100 1,110,200 942,500 957,600 727,700 354,100 261,800 232,200 189,800 $209,382,500 Actual $34,000 11,000 5,000 7,000 72,000 27,000 25,000 1,500 5,000 7,000 $1,223,600 $24,200 18,200 16,800 15,500 17,200 14J0O 7,500 6,000 5,800 5,200 11,181,800 54 MORTAUTY £XP£RI£NCE BY PLAN OF INSURANGI AMBRICAN MBN U AND m YEAR ENDOWMDrr INSURANCE PLANS ^ R^f»i«"M» Duns BY AM Table Bm hrnu t um ta . Yiak Ags ai r 1 EXPMJBO TO ► Actual EXPECTEI > Age a .T Exi llf to Actual Dkattts JuNTS T BOK Dbaw lo 11,001 |lf80( \ 60 $1,869,10 $19,00< ) $27,800 If 9 1,001 8,40C ) 51 J.,Olv,0ir l\ 1 O 1 A/ y lo,10( ) 21,200 17 ) 8,00( !) 5,90C I 52 1,090,20( 16,00( ) 19,200 lo 2,739,00( ) 8,00( ) 11,00C 1 53 955,00( 21,00( ) 19 3,413y70( ) 13,00( ) 18,90C » 54 OA 4,790,00( ) 15,00( ) 19,800 » 66 1^ »i00f 1 9,50C > 1&700 ^ 15,100 21 6,66640( ^ 28,801 \ 27.900 66 w OAI CA/ OU1,OUI J 15,00C > 7,500 22 » 8130( > 27,700 57 271,40( ) 8,500 > 7,300 28 7,016,60C > 27,50C > 29,800 58 213,70( ) 2,000 6,300 OA 7,244,6(K] > 18,50C 1 30,900 59 , 17M0( OK 7,643,500 22,000 32,600 » tM6^66MM IU79,9M 26 7,457,100 52,500 31,900 27 7,633,500 81,900 82,700 I 7,842yo00 86^000 88,900 74w^iiiO 28,600 31,300 OA 8,211,100 51,500 36,500 31 7,593,900 40,500 34.500 32 7,513,800 39,000 35,100 OO OO 7,491,900 48,000 86,100 •4 2iMno 88300 Bo 7,416,500 24,000 38,800 m 7,545,300 45,800 41,300 37 6,858,300 35,500 39,600 38 6,645,500 51,300 40,500 38 28^000 4M0O 40 6^12^700 27,600 47,700 «l 6,038,500 29,800 44,600 42 5,850,800 26,000 46,300 43 5,066,900 32,000 43,100 44 4,641^ 34^000 45 4,460,700 60,800 44^ 46 87,700 464i00 47 82,900 37,600 48 2,527,800 52,800 31,900 49 2,136,900 43,700 29,300 MORTALITY EXPERIENCE BY PLAN OF INSURANCE At- TAINTO AOB 20 21 23 24 25 26 27 30 31 32 84 85 36 37 38 89 40 41 42 43 U 46 46 47 48 49 AMERICAN MEN 19 AND 20 YEAR ENDOWMENT INSURANCE PLANS Dmaam wt AM Tabu £XP0B£D TO $289,800 999,700 2,150,500 4,308,800 6,943,100 10,680,100 15,915,500 204^10,600 26,164,800 81,464,000 37,088,600 42,384,700 47,881,400 68»967«800 68^600 64,342,700 69,643,500 74,154,100 78,792,800 88|068400 86,657,300 89,951,900 92,621,300 94,566,200 96^747^ 96,968,700 96,237,600 94,841,700 93,061,600 89^^ Actual 6th and Subsequent Insurance Ybaks £XP£CT£0 $3,000 2,000 8,000 20,000 32,500 43,500 71,600 OOyiOO 128300 137,700 135,000 171,400 182,000 298^000 211^ 356,100 346,200 349,200 413,900 8«%fi00 496,600 630,000 652,400 683,700 662i600 660400 778,800 801,700 944,500 901«300 $1,100 4,000 8,900 18,000 29,500 46,000 69,200 91,800 116,800 189»400 165,400 189,900 215,900 247,700 276,000 307,600 344,000 379,700 419,200 4i62j00O 506,100 554,100 605,700 656,300 710,400 769,900 819,900 870,600 920,400 961,800 Ai^ TAINED AOB 50 61 53 54 55 56 67 68 59 60 61 62 68 65 66 67 68 69 70 71 72 73 74 75 76 77 78 Exposed to $86,462,900 82,860,000 78,045,700 72,570,000 67,307,300 61,739,300 55,800,400 4«,719^ 48,791,100 38,673,800 32,267,600 27,132,400 22,302,200 18^286^ 14,976,000 11,353,800 8,839,500 6,677,400 4,884,700 M86^ 2,163,600 1,386,800 975,700 709,900 493»300 270,100 179,500 76,500 23,000 XoUb $2,464|109»290 Actual $920,400 926^700 944400 969,400 1,014,400 993,800 1,015,100 840,600 921,900 903,800 795,700 971,000 686,600 609,900 496,000 495,900 341,000 289,600 220,000 198i800 109,700 61,500 55,700 65,500 47,500 11,000 25,500 7,000 7,500 $26|449,099 Expbctsd $1,001,200 1,068^ 1,068^600 1,072,600 1,082,300 1,078,600 1,061,300 1,028»700 966,700 947,100 860,900 787,700 704,300 628^ 669^ 461,600 390,500 320,700 254,800 197|400 138,000 92,500 70,600 55,600 41,900 24,800 17,900 8,200 2,700 $2M78»4i6 67 MORTALITY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN " l^SiI!S!2^JiS^^«S^ " ^^'^ RENEWABLE TERM EXPERimCE DURING HRST TEN INSURANCE YEARS ONLY ExMCMB DB&nB BT AM Tau Ht Inwiuncb YiAit Aw ji ' £XP06£D TO 1 Actual ExPECTEr T JStXPOSED TO Actual Mam, Deaths Entri r Risk Deaths IS $6,00( ) . . » • • • 60 $2,792,50( ) $71,00( ) $18,900 16 OO AAi HOC > 51 2,146,70( ) 12,00( ) 15,600 17 96,0(N » . . . 20C 1 Q/IA AA/ i,y4u,uui ) 4,00( ) 15,300 18 197,00( ) . . . 500 ' OO 1,z1o,dO( ) 2,50( ) 10,800 19 303,10( ) . . . 80(1 9% If0i440< > 18,70( ) ijm 20 559,00( ^^fc toaft ^ ) . . . 1,500 56 946,10( ^ 12,00( \ 9,400 21 1,038,50( 2,900 66 619,10( ) 2.00f ) 6,700 22 i4M,7m ^ . . . 3 700 O f Zw,70C I 3,400 28 1,900,50C > $1,000 > 5 400 01 /I ^JAr Z14,bUl • . . . 2,700 24 2,410,500 ^ 10,000 I 7 000 I ^ 1 tiA OA/1 » . . . 2400 25 3,062,400 > 7,500 9,000 60 207,700 Hi ) 8,100 26 3,880,600 11,400 61 22,00(1 — , ^ _ _ • • • 400 27 4,594,400 12,000 11.700 AO TO» 1 1Q AAA 1 lo,UUU • • • 300 28 5,418,600 > 28,000 16100 DO rr r AA 2,000 100 29 ' 6,076,600 9,500 18 200 T ClAA • • • 200 30 6,530,700 23,000 19,600 Totak I |179,58M66 31 7,037,800 3,000 21,200 32 7,568,100 15,000 22-900 33 7,435,400 22.800 84 8,76IJW 80,500 27.200 85 8,347,000 31,000 26,400 36 8,920,500 57,000 28,800 37 8,924,400 4,500 29,700 38 9,092,500 74,000 81,800 88 8^17,766 62,000 81^800 4a 8,121,300 7,500 30,100 41 7,540,100 8,000 29,300 42 7,531,100 12,000 30,700 43 6,401,200 14,800 27,500 44 5,452^ 42,500 24,800 46 5,854,400 20,000 26,800 46 4,408,400 22,600 47 3,922,300 19,500 21,500 48 4,017,000 19,500 23,600 49 3,108,700 10,000 19,600 86 MORTAUTY BXPUttNCE BY PLAN OF INSURANCE AM£BICAN MEN 10 YEAR NON-RENEWABLE TERM OR 10 YEAR RENEWABLE TERM £XP£RI£NC£ DURING FIRST T£N INSURANCE YEARS ONLY Expected Deaths by AM Table 2d Insurance Year Exposmo $3,000 25,000 48,000 127,000 186^ 323,500 497,900 701,200 1,053,600 1,257,700 1,787,600 2,242,700 2,911,800 3,360,300 8^,400 4,248,600 4,800,900 5,034,500 4,648,300 5,766,200 5,885,200 5,795,300 5,858,600 5,937,200 5,802,300 5,924,600 6,160,900 5,209,400 4,256,700 3,824,800 3,514,300 2,901,400 2,691300 2,697,100 2,048,300 Actual DB41 $1,000 3,000 2,000 1,000 5,500 • • • 5,000 13,500 16,000 18,000 12,000 15,000 5,000 15,000 15,000 19,500 7,000 45,300 24,700 11,000 12,000 28,500 37,600 17,000 6,000 13,000 19,000 87,000 5,000 Expected Dbaths $100 200 400 700 1,200 1,800 2,600 4,000 4,800 6,700 8,700 11,300 13,100 15^ 16,700 19,100 20,200 19,000 24,100 22,900 25,600 26,800 28,100 28,700 30,700 28,100 30,000 25,900 24,700 24,200 21,400 21,200 22,800 18,600 Age at 50 51 52 58 54 55 56 57 58 60 61 62 63 64 Toteb EXPOSB»10 $2,073,700 1,491,000 1,249,900 827,100 778^ 651,300 425,100 203,500 171,900 111,290 160,400 14,000 24,300 6,500 4,000 |118,i37,2H Actual Dkatbb Expected Deaths $22,000 18,000 16,000 15,000 47,000 11,000 1,000 7,000 2,000 8868,666 $20,300 15,800 14,300 10,200 16^ 9,400 6,700 3,500 3,200 2,200 8,500 300 600 200 100 MOilTALITr EXPERIENCE BY FLAN OF INSURANCE AMBBiGAN Mffil 10 YEAR NON-RENEWABLE TERM OR 10 YEAR RENEWABLE TERM EXnUUfiNGB WRING FIRST TBH iMSIMUIiCE YEAM OMLY Expected Deaths by AM Table 15 16 17 18 19 20 21 22 84 26 27 28 29 SO 32 83 34 35 86 37 88 40 41 42 48 44 45 46 47 48 3d Insurance Year TO $2,000 22,000 32,000 1«,500 248,500 385,300 517,500 789,000 910,700 1,329,000 1,579,800 2,125,000 2,522,400 2jmjm 8371,800 3,873,900 3,835,900 3,600,000 4^,300 4,115,400 4,658^900 4,788,900 4,610,000 4,474,800 4,611,300 3,940,600 4,014400 8384400 8,174,900 2,947,000 2,323,300 2,205,700 2,058,800 Actual 11,000 2,000 1,000 2,000 11,000 9,000 11,500 9,000 6,000 7,000 18300 10,500 16,500 3,500 17,000 30,000 46,000 10,000 10,000 18,200 11,000 21,000 44300 4,000 14,000 19,400 13,500 44,500 16,000 48300 $100 100 400 600 900 1,500 2,000 3,100 8,600 5,800 6,400 8,600 10,200 U,600 18300 16,100 16,300 15,600 18,900 18,800 22,000 28,800 24,300 26,300 23,800 25,700 28,100 28300 23,000 19,500 20,000 20,100 17300 AOBAT 50 51 52 58 64 55 56 57 58 59 60 61 62 63 64 Totals TO $1,605,000 1,235,000 953300 818,500 482,300 334,100 244,000 135,900 119300 181,700 15,000 22,300 6,500 4,000 AcfnrAii fil,8M3ti $12,500 16,500 28,000 1300 2,000 9,000 3,600 1,000 888^M§ $18,300 15,300 12300 10300 9,700 8,300 6,200 4,900 3,000 2300 8,400 400 700 200 100 |NB^8li MORTALITY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN 10 YEAR NON-RENEWABLE TERM OR 10 YEAR RENEWABLE TERM EXPERIENCE DURING FIRST TEN INSURANCE YEARS ONLY Expected Deaths by AM Table 4th Insurance Year AOB AT Entbt 15 16 17 18 19 20 21 22 23 26 27 28 80 81 88 84 35 36 87 40 41 42 43 44 46 46 47 48 49 EzPOSBDfO Risk $2,000 22,000 26,000 86,500 U0300 168,500 312,300 422,400 586,000 788,000 902,700 1385,500 1,694,800 2,091,700 2U77,000 2,723,200 8368300 8,006,700 2,864,700 3,502300 3,383,600 3,844,100 4,068300 8,784300 8340,400 4,015,000 3,216,000 3,203,300 2,906,900 2302d400 2,294,800 1,907,600 1,690,300 1,544,800 1398300 Actual Deaths $5,000 5»000 • • • 7,000 5,500 8,000 16,400 85300 1,000 13,200 21,500 16,000 7,000 17300 16300 8,800 28,000 44,000 22,600 23,000 19300 23,000 31,000 13,000 3,000 4,000 Expected Deaths $100 100 300 400 700 1,300 1,700 2,400 8,000 8300 5,300 7,000 8,700 9,100 11,500 14,000 13,200 12,900 16,300 16,200 19,300 21300 20300 20,600 24,800 21,100 22,500 21,800 19,900 17,800 17,100 16,900 15300 Age AT Entbt 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Totals Exposed to Risk $1,298,000 1,051,300 741,700 458,900 498300 895,000 331,000 219,200 140,900 103300 188,700 15,000 22,300 6,500 2,000 $74|742399 Actual Deaths $4,500 5,000 37,000 4,500 2(MW0 6,500 1,000 14,000 • • • Expected Deaths $487390 $16,700 14,700 11,200 7,600 8300 7,700 7,000 5,100 3,500 2300 4300 600 200 100 • MORTAUTY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN it YEAR NCW-RENEWABLE TBMM OR 10 YEAR RENEWABLE TERM EXPERIENCE DUONG FIRST TEN INSURANCE YEARS ONLY SxFBCf » Ihusm »T AM Tahji £XF06ED TO 28,000 23,000 70,500 89,000 117,500 mAoo 826^700 460,500 590,000 810,200 1,077,000 1,412,400 1,766,000 1,870,600 2,220,400 2,600,600 2,386,300 2^1,900 3,010,000 2,944,100 3,187,100 3,446,800 3,096,100 2,SK,000 8,362,400 2,757,500 2,532,800 2,333,400 2405^ 2,005,500 1,500,800 1,441,200 1,126,600 1|1 28^600 Actual DSATHS $1,000 d,6CN) 1,000 1,000 1,000 13,000 18,000 5,000 6,000 100,000 6,000 47,200 20,500 5^ 22,000 32,500 14,000 35,000 14^ 6,500 15,000 22,000 4,000 16,000 I2»000 17,400 1,000 41,000 19,000 24^ im Inrnunci Yiar £XPECTED Deaths flOO 100 300 400 500 1,000 1,400 2,000 2,500 3,500 4,600 6400 7,600 8,200 9,900 11,800 11,100 11,600 15,100 15,400 17,500 19,900 18^ 19,000 23,200 20,400 20,100 19,900 19^ 19,900 16,100 16,800 14,200 15^ Age at Entbt 50 51 52 53 54 66 56 57 58 59 60 61 63 64 ToUOft Exposed vo Risk $1; 814,800 523,200 384,100 4U^ 806^ 812,900 171,200 139,900 98,300 86,700 6,000 22,800 6,500 2,000 S^lf^98{|999 Actual Dkaths $66,000 11,000 7,000 7,000 6,000 21,500 8,500 • • • 1,000 woo expbctbd Dbathb • • • $15,400 13,200 9,200 7,400 &600 MOO 7,700 4,600 4,100 8400 MO 800 100 MORTAUTY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN M YEAR NON-RBNEWAHJB TEMf OR W YEAR MMEWAMJl TERM EXPERIENCE DURING FIRST TEN INSURANCE YEARS ONLY Mxmorm Ihuam m AM Tjjkm fm AND Swqup tT Itmauifci Yuum At- exposed to Risk Actual Deaths Expected Deaths 12,000 14,000 33,000 68,000 124,500 178,000 829,800 586,500 763,000 1,113,500 1,527,300 2,108,100 2,965,600 3,951,800 4,685,400 5,625,300 6,284,300 6,969300 7,478,200 8,261,000 9,019,000 9,313,900 9,562,500 9,684,500 9,646,100 9,864,900 9,324,400 8,594,300 7,996,800 7,889,600 6,861,700 5,791,300 5,151,300 4,567,300 8»968^ $2,000 1,000 6,000 3,000 11,000 10,000 18,200 10,000 87,000 11,000 33,000 48,000 48,000 40,700 39,200 30,400 48,000 85,300 48,500 46,500 89,300 158,300 102,000 61,600 80,800 62,100 129,000 32,000 48,100 49A00 $100 100 300 500 800 1,400 2,400 3,400 4,900 6,800 9,400 18,400 18,100 21,900 26,900 31,000 85^ 89,800 45,900 52,700 57,400 62,500 67,200 71,600 78,300 79,400 78,900 79,100 79,100 79,500 72,600 70,200 67,500 68^700 tained AOB 55 56 57 58 59 60 61 63 64 65 66 67 68 69 70 71 72 78 74 75 76 iTotob Exposed to Risk $8^74,700 2,951,700 2,530,000 2,115,000 1,738^ 1,810,600 1,066,800 848,800 668,600 497,500 440,400 282,000 204,600 126,200 60,500 28,800 24,800 4,000 1,000 1,000 1,000 1,000 8188,166|4m Actual Deaths $67,500 39,600 50,900 52,200 84,100 52,400 56,000 36,500 13,200 5,200 11,000 7,000 17,000 4,000 1,000 3,000 4000 Expected Deaths |1,878,7M $60,700 56,100 52,300 47,600 42.600 86^ 80,100 26,800 23,000 18,600 18,000 12,500 9,800 6,600 3,400 1,800 1,700 800 100 100 100 100 $1.76f; MORTAUTY F.XPRBIKNCE BY PLAN OF INSURANCE AMERICAN MEN 10 YEAR TERM CHANGED DURING ORIGINAL PERIOD TO ANY OTHER PLAN WITHOUT MEDICAL EXAMINATION KuMjiiit Jkuam n AM Tabu Allowimo mm Ddbation wwam Obioinal Entbt CHANGED DURING In <» to CALENDAR YEAR OP HHICY 1st Insurance Year After Change 2d Insurance Year After Change AGS AT Bntjit JbXPOSED TO Risk Actual Deaths Expected Deaths Age at Entry rxposed to Risk Actual Deaths ExPECnD DEAnu 15-19 $6,000 • • • • • • 15-19 $6,000 • • • • • • 20-24 161,000 • • • $600 20-24 130,000 $600 25-29 714,800 • • • 2,700 25-29 581,200 MOO 30-^ 1,035,000 4,400 80-84 888,600 1,000 8,800 1,241,500 i6,6o6 5,600 8&-89 986,100 1,000 4,800 1,019,500 • • • 5,800 40-44 853,500 2,000 5,300 508,800 • • • 3,900 45-49 442,800 5,000 3,900 350,800 * • • 3,900 50-54 304,500 • • • 3,900 55-59 111,000 « • • 1,700 55-59 84,000 • • • 1,700 60-65 26,500 • • • 700 $0-65 25,500 • • • 800 Totals $29,309 1 Totals $4,302,100 $15,500 $27,100 3d 1 Insurance Year After Chancui 4th Insurance Year After Chanqb Age at Entry JfiXPOSEDTO Risk Actual Deaths Expected Deaths Age at Entry Exposes TO RiK Actual DRAm Dmltu 15-19 $2,000 • • • • • • 15-19 $2,000 • • • • • • 20-24 95,000 ■ • • 1800 20-24 84,000 • • • $800 25-29 476,700 • • • 2,000 25-29 882,200 $1,000 1,700 ao-M 761,200 3,400 30-34 616,400 • • • 2,900 85-39 939,700 $2,000 5,000 35-39 841,700 13,000 4,800 40-44 750,100 • • • 5,300 40-44 656,600 • • • 5,200 45-49 373,800 17,400 3,800 45-49 303,900 • • • 8^ 50-54 249,500 2,000 3,600 50-54 175^ • • • 2,900 55-59 65,500 1,000 1,400 55-59 56,600 • • * 1,400 60-^ 25,500 • • • 60-65 8,500 • • • 400 Totals $3,739,000 $22,400 $25,800 1 Totals $3,127,600 $14,000 $23,100 5th Insurance Year After Chance i 6iH Mm Subwhibnt iNamuNCB Years After Change ikum AT Entry jszranito AOTOAL DRAin DBAfBS ATTAnOD Age Szf€MDTO Rw Actual Deaths Expected Dbaim 15-19 12j000 • • • $1,000 • • • 2»-24 64,000 • • • *|206 25-29 85,000 • • • • • • $300 25-29 319,200 • • • 1,400 30-34 598,200 $4,000 2,800 30-34 449,000 $1,000 2,200 35-39 1,459,800 4,000 7,500 35-39 568,200 1,000 3,500 40-44 1,893,400 12,500 40-44 540,000 2,000 4,600 45-49 ^069,600 16,000 19,200 45-49 245,900 • • • 8,000 50^ 1,707,800 6,000 23,100 50-54 147,700 • • • 2,700 55-59 1,029,200 38,000 21,000 51,500 • • • 1,800 60-64 270,000 17.000 8,200 ea-65 8,500 • • • 400 65-69 95,000 4,400 Totals <2»396^000 |4»000 $19,300 70 & over 24,000 • • • 1,600 Totals $9,233,000 $85,000 $100,600 OA MORTALITY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN 10 YEAR TERM CHANGED DURING ORIGINAL PERIOD TO ANY OTHER PLAN WITHOUT MEDICAL EXAMINATION Expected Deaths by AM Table Allowing fob Dubation IROM Original Eiitry CHANGED DURING 3d or 4th CALENDAR YEAR OF POLICY 1st Insurance Year After Change Age at Sntbt 20-24 30-34 35-39 40-44 45-49 50-54 66-li9 60-66 Totals Exposed to Risk $68,600 295,500 654,300 712,700 929,800 526,700 287,800 2(^400 41,600 $3,702,400 Actual Deaths $4,000 • • • 5,000 10,000 1,000 • • • • • • $20,000 Expected Deaths $200 1,300 2,800 3,600 6,500 5,300 4,200 4,500 1,500 $29,900 2d Insurance Year After Change Age at 20-24 30-34 35-39 40-44 45-49 50-54 55-59 60-65 Totals Exposed to $40,500 248,000 463,800 565,700 733,300 429,000 262,800 174,600 88,600 $2,951,200 Actual $M00 20,000 6,000 io,i $40,000 Expected $100 1,200 2,300 3,300 5,800 5,100 4,600 4,600 1,800 $28,300 So, 4th and 5th Insurance Years After Change 22-26 27-31 32-36 87-41 4246 47-«l 52-56 57-61 62-67 ID $47,500 381,000 987,500 988,000 1,829,000 907,400 563,300 236,100 84,500 ACTITAL $7,000 10,000 4,000 7400 3,000 12,000 $41^100 $200 1,700 4,600 5,400 10,100 9,700 9,000 5,700 3,000 $lf,400 Om and SuBSBQumr Insurance Years Attained Aqb 25-29 30-34 35-^9 40-44 4&49 50-64 55-59 60-64 65-69 70 & over Totek EXPOODTO $19,000 263,000 951,500 1,254,500 1,649,700 1,606,100 1,016,000 359,000 183,500 16,000 $7,318»300 Actual Deaths $8^ iVioo 82,000 15,000 5,000 $78,000 expbctbd Deaths $1,300 4,900 8,200 15,200 21,900 20,800 11,100 8,400 1,000 $92,800 MO&TAUTY EXP£RUNCfi BY PLAN OF iN8lliyy«GB AMSBICAN MEN IfEAR TERM CHANGED DURING ORIGINAL PERIOD TO ANY OTHER PLAN WITHOUT MEDICAL EXAMINATION Expected Deaths bt AM Tablb Allowimq mi Ihmjmon CHANGED DURING tat CALENDAR YEAR OF POUCY Fi¥B faamiAifCE YkiM After Change 20-24 25-29 30-34 35-39 40-44 4B^ 50-54 55-59 60-64 65-70 TO $22,000 122,700 625,000 1^,000 1^300 1,884,800 1,413,000 741,600 166,000 Actual $1,000 3,500 6^ 26,000 18,500 7,500 7,000 • • • 3^ $100 700 2,800 7A00 13,100 17,300 19,400 14,600 5,000 1,800 S8If1H0 6th and Subsequent Insurance Years After Change Attaxnsd Expoaso TO Actual 25-29 80-84 40-44 45-49 50-54 55-59 60-64 1166* over Totals 18,000 28,000 271,000 842,900 1,042,200 1,150,900 825,200 402,400 97,600 14,668,100 Expected Deaths $5,000 • • • 41,600 26,500 CbOOO 6,000 $83,100 $1,400 5,600 9,700 15,700 17400 11,900 4,mo 166,000 CHANGED DUKING 6th lo 9fH CALENDAR YEAR OF POLICY First Five Insurance Years After Change 20-24 26-20 •044 40-44 45-49 50-54 55-59 60^ 70-74 Totals TO $3,000 44,000 761,000 1,526,700 2,440,900 2,800,800 2,660,600 1,261,900 662,900 299,000 57,000 Actual \ £xpscted $8,000 11,000 62,000 24,000 17,500 16,000 8,000 1,000 10,000 Om AND Subsequent Insurancb Yiabs noo 3,400 8,000 16,000 26,100 36,000 26,600 20300 9,500 3,900 112,405,100 $147,590 $148,999 I Attained Am I 30-34 35-39 40-44 45-49 50-54 55-^ 00-04 66-09 70 & over Totals EXPOCUSD TO RUK 929,000 462,300 1,247,400 1,814,400 2,402,400 2,070,600 1,067,200 450,500 189,000 $9,728,799 Actual | Expected DsATua i Deaths $1,000 13,000 80,600 67,000 10,600 35,000 10,000 $100 2,300 8,400 16,900 S9;no 42,400 82,600 20,700 13,700 $IOa^ 9I70|1M MQRTAUTY £XP£RlfiNCfi BY BLAH OF INSURANCE AMERICAN MEN 10 YEAR RENEWABLE TERM RENEWED OR CONVERTED TO ANY OTHER PLAN AT END OF ORIGINAL TERM WITHOUT MEDICAL EXAMINATION Expected Deaths bt AM Table (Uutiiiate) 1st Pi¥B Insimuncb Ybars Arm Rmeital or Changs At- iMMM Am 26 27 28 01 82 33 84 06 06 87 38 39 40 41 42 40 44 46 46 47 50 51 52 60 64 55 56 57 58 Exposed to Risk Actual Deaths $6,500 16,700 17,700 22,700 48,200 66,700 96,800 165,800 296,800 474,600 687,800 1,007^ 1,469,400 1,894,100 2,370,900 2,818,700 8410*800 8,662,100 3,977,600 4,207,500 4,450,000 4,785,300 4,776^600 4319,200 4,660,800 4,309,900 3,963,900 3,819,900 8,474,200 8404,900 2,654,100 2,320,200 1,797,200 1,537,200 1^16LfiW $1,000 • • • • • • 2,500 1,000 8,000 7,000 13,500 7,000 7,500 21,000 28,000 17,000 19,100 17,000 13,500 59,600 40400 91,500 30,500 60,000 59,500 43,000 68,400 64,900 62,500 13,000 77,000 88,000 Expected Deaths $100 100 100 200 400 700 1,400 2,200 3,300 6,800 7,500 10,100 13,200 16,500 19,200 28,900 27,600 31,200 35,300 40,800 43,800 47,700 48,800 49,900 49,700 52,000 51,300 50,700 46,400 44,100 37,200 34,600 82.200 At- tained AoB 60 61 62 63 64 66 66 67 68 69 70 71 72 73 74 75 76 77 78 Exposed vo Risk $1,133,800 957,200 800,100 598,500 443,500 824,000 278,600 232,400 169,800 139,500 116,600 66,200 08,800 41,800 8,100 8,100 7,100 Actual Deaths Totals $83,585,700 $15,000 32,500 77,500 13,500 22,600 20,200 10,500 5,000 22,000 15,000 7,500 4,000 7,000 1,000 $1,120, Expected Deaths $30,200 27,800 25,300 20,600 16,600 18,200 12,800 11,200 8,900 7,900 7,200 4,400 4,000 8,800 700 700 700 $1,923,300 •7 MORTAUT Y SXPBBIENCE BY PLAN OF INSURANCE AMERICAN MEN 10 YEAR RENEWABLE TERM RENEWED OR CONVERTED TO ANY OTHER PLAN AT END OF ORIGINAL TERM WITHOUT MEDICAL EXAMINATION Expected Deaths by AM Table 6th to 10th Insurance Years After Renewal or Change At- TADISD Exposed TO AcnrAii At- AoiHAtt Agk Risk Dbatbb Dbaou ham Draw 80 S6 500 • • • • • • DO $48,000 S20.500 31 14,700 • • • $100 66 287,800 41,400 12.700 32 10,200 « • • « • « 67 218400 6^ 33 8,200 • • • • • • 68 206,200 14.000 10.800 ■^Nk • • * • • • 60 104,700 HI 5.900 85 80,000 • • • 100 70 82,500 11 000 5,100 oO #U,oUU • • • 300 71 92,700 10 000 6,200 37 109,300 • • • 600 72 61,400 • • • 4.400 38 187,800 • • • 1,000 73 28,400 • • • 39 302^ $1,500 1,700 74 47.600 • • • 40 440,800 2,600 76 35,700 15 600 3,300 41. 1,000 4,300 mm 76 8,100 • • • 800 42 930,700 1,000 6,100 1 77 8,100 • • • 900 43 1,152,000 1,000 8,000 78 1.000 • • • 100 44 1^,100 5,000 10,100 Toteb f42»tM,4ii %£MA fili Mi 45 1,594^ mm 12,000 15,200 47 2,124,700 25,500 19,500 48 2,186,300 ! 33,500 21,600 49 2,259,400 15,500 24,200 50 2,448,500 63,100 28,400 51 2,648,400 54,500 88,200 CO 28,000 85400 a 2,684300 85,800 88,900 64 2,280,600 64,500 36,700 55 2,031,200 33,000 35,500 66 1,862,800 16,500 35,400 67 1,779,000 33,000 36,800 1,605,900 UfiM 86,100 69 1,854,400 6,000 88,200 «> 1,181,300 17,000 31,500 61 987,800 25,000 28,700 «2 783,500 1,000 24,700 68 649,000 22,300 64 MiliOOO 68^ 22J00 I 6i MORTAUTY EXPERIENCE BY PLAN OF INSURANCE AMERICAN MEN 10 YEAR RENEWABLE TERM RENEWED OR CONVERTED TO ANY OTHER HAN AT END OF ORIGINAL TERM WITHOUT MEDICAL EXAMINATION BZPBCTBD DkATHB BY AM TaBLE 11th and Sursequent Insurance Years After Change EXPOSBDTO $2,000 4,000 5,000 7,000 34,000 67,600 112,100 140,100 141,000 181,100 199,400 235,800 294,800 878,700 888^ 861,400 385,300 340,300 309,100 268,700 2IM00 269,100 202,000 256,500 264,200 209,700 160,000 181,500 138,000 140,500 79,500 68,200 61,400 50,500 44,000 Actual «2,000 • • • 5,000 4^ 7^ 3,000 15,000 16,000 iuooo 29.500 2,000 • • • 6,500 42,000 i^OOO 21,000 2,000 2,000 12,500 1,000 9,000 11,800 6,000 • • • 500 900 1,200 1,800 1,800 2,100 2,700 3,700 5,100 5^700 5300 6,700 6,500 6,400 5,900 6,200 7,200 5,900 8,100 9,100 7,800 6,500 8,000 6,500 7,300 4,400 4,200 4480 8,700 3,400 At- tained Age 74 75 76 77 78 79 80 81 Totals I $31,000 31,000 14,000 7,000 7,000 7,000 5,000 5,000 5^ $6,334,000 $17,( • • • • ■ • 2,000 • • • $221,800 E $2,600 2,900 1,400 800 900 700 700 800 $160, MORTAUTY EXPlillENCX BY WaHTAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT MAINE, MASSACHUSETTS, NEW HAMPSHIRE, RHODE ISLAND OR VERMONT Expected Deaths by AM Tablk Age at £NTmT u 16 17 18 19 St 27 10 n 35 36 37 38 41 42 43 44 46 46 47 48 49 Exposed TO $110,400 412,500 722,900 1,392,800 1,784,200 2,7fiM00 3^,000 3,553,300 3,939,800 3,902,400 4,485,300 4,607,a00 4^28,600 4,854,600 4,852,000 5,183,000 5,023,100 5,526,200 MiS,000 5311,900 5,480,700 4,863,900 4,871,500 4,637,500 44WM00 5,128,000 4,400,700 4,401,500 4,171,700 d»fi00|400 8,554,500 3,349,100 2,884,500 2,462,900 2,274^00 Actual Deaths $3,000 12,500 6,000 5,000 25,000 8,000 5,000 12,000 5,000 2000 18^000 9,000 13,500 30,000 4,000 20,000 10,500 65,000 5,000 9,800 8,000 2,000 13,000 14,000 8,000 18,000 4,000 5,000 • • ■ 1,000 4,000 1st Insurance Year DsAnn $300 1,000 1,800 3,600 4,700 7,500 9,400 10,100 11,300 11,400 18400 18,600 13,500 14,500 14,500 15,600 15,100 16,700 16,600 18,100 17,300 15,700 16,200 15,900 17,600 19,000 17,100 18,000 17,900 16|000 17,100 17,200 15,800 14,500 14»d00 Age at Entry 50 51 52 53 54 56 56 57 58 59 60 61 62 63 64 65 Totak Exposed TO $2,301,900 1,808,400 1,437,800 1,808,500 1488,000 972,700 769,200 740,200 533,900 485,700 482,000 240,500 119,500 97,100 99,500 57,200 |146,i«a,lii $3,000 3,500 5,000 48,500 8,500 4,500 2,000 4,000 3,000 7|000 16,000 2,000 1,000 #JA^ AAA $15,600 13,200 11,800 11400 9,700 8,300 8,600 6,800 6^700 6,400 3,900 2,100 1,800 2,100 1,800 8681f466 70 MORTAUTY EXPERIENCE BY HAMTArT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT MAMBt MASSACHUSETTS, NEW HAMPSHIRE, RMO^ (Group 1) Expected Deaths bt AM Tamm 2d Insurance Year AT 15 16 17 18 19 20 21 22 23 24 26 26 27 28 29 81 32 33 34 85 86 87 88 39 40 41 42 48 44 45 46 47 48 49 EZFOODTO Actual $81,900 320,500 582,000 1,099,000 l,48MO0 2,364,100 2,926,500 3,052,500 3,348,100 8,547,400 4,099,700 4,039,100 4,189,100 4,602,200 4,688,400 6,160,100 4,868,700 5,275,900 4,950,000 5,431,600 5,126,500 4,696,200 4,718,700 4,537,000 4,480,900 4,942,900 4,451,000 4,278,000 4,068,700 8,351,600 3,259,300 2,919,100 2,732,700 2,420,800 2,242,700 Expected $1,000 2,000 2,000 I, 000 MOO 11,000 5,000 8,000 9,000 11,000 8,000 17,500 23,000 10,000 II, 000 18,000 18,000 15,000 10,000 79,500 9,500 17,800 16,000 10,600 15,000 18,500 21,000 20,000 4,000 34,000 35,000 18,200 7,000 6,000 $300 1,100 2,000 8,800 6400 8,500 10,700 11,400 12,500 18,400 16,700 15,600 16,300 18,000 18,400 20,800 19,800 21,200 20,200 22,700 22,000 20,800 21,600 21,500 22,100 25,700 24,300 24,600 24,600 21,700 22,500 21,500 21,600 20,500 20400 Age at 50 51 52 58 64 55 56 57 58 59 Exposed to Risk 61 62 63 64 66 $2,233,100 1,771,200 1,413,200 1,226,300 1,076,800 1,049,100 812,100 678,000 502,600 614400 426,200 295,100 188,300 87,600 104,400 57,200 Actual Deaths nSMlMiO $28,000 23,000 9,000 13,000 7M00 17,000 6,000 3,000 10,000 8,000 4,000 2,000 1,000 • • • 14,000 1,000 6713,466 Expected Deaths $21,900 18,700 16,100 15,100 14,400 15,200 12,700 11,500 9,300 10,300 9,200 7,000 4,800 2,400 3,100 1,900 71 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT MAINE. MASaACHUSETTS» N£W HAMFSHIRE, RHODE ISLAND OR VERMOl (GboupI) Expected Deaths bt AM Tablb 3d Insurance Year AOC AT Emtrt EXPOUDTO 15 16 17 18 n 23 24 25 U tl 28 29 30 31 M 35 36 37 38 40 41 42 43 45 46 47 48 4» 162,200 275,500 516,300 1,051,300 2,2i2»900 2,810,300 2,963,100 3,355,500 3,5d2»900 4,073,000 4,048^000 4,126,500 4,474,000 4,641,000 5,150,300 5,012,100 ^mjno 5,164,900 5,266,900 5,155,400 4,808,500 4,943,700 4,661,700 4,541,200 5,033,000 4,602,100 4,411,800 4,000,800 ^jmjm 3,289,300 2,981,300 2,725,100 2,447,100 2J286b700 Actual Dbaths $2,000 3,000 2,000 5^ 8,000 12,000 8,500 11,500 5^000 4,000 10,000 15,000 14,500 21,300 10,000 19,500 ujm 20,000 26,000 8,500 45,700 15,000 13.000 14,700 14,500 14,000 17,000 35,000 49,000 5,000 11,000 4,000 12,000 8&J0OO Expected Deaths $200 1,000 1,800 3,800 5^00 8,500 10,900 11,600 13,300 14300 16,400 16,800 16,800 18,200 1^,900 21,200 20,800 28400 22,300 23,300 23,600 22,700 24,400 24,000 24,600 28,700 27,800 28,300 27400 24,400 Aqk at Entry 50 51 52 53 54 55 56 57 58 58 60 61 62 63 64 65 25,700 25,100 24,700 23,900 24460 EzPOtBDfO Actual $2,258,800 1,734,800 1,496,100 1,887,100 1407,600 1,014,700 781,900 750,000 563,800 640,900 408,400 280,000 214,700 111,100 112,200 70,500 |137,7M,8M $26,500 30,500 11,500 10,000 8^000 12,000 4,000 9,500 33,200 4,000 12,400 3,000 12,500 2,000 1,00 |739,3M $25,800 21,400 20,000 19400 17,600 17,400 14,500 15,200 12,400 15^ 10,600 7,900 6,600 3,700 4,000 2,800 •841,766 ^.'fg^ proportion ofLiwe. iww thu of .abMqneiit iifMttt«ri>«lM»tlM«B«iaM».ther«UUyeezporaie^ SW » JlMi — w tm wdu ction with uacMing duration. In tlie EaaUn SUtes. in which iMues prior to 1900 wer« 9tm m MMequentJy aot alwajrt groater than im tW Mst ymi. The abov* %uret abow that tha total 73 MORTAUTY EXPSRIENCE »Y HAUTAJ AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT UkOm. iiASSACHUSRTTS, NEW HAMPg H i R B, R HOD E ISLAW OR VERMONT (Group 1) Expected Deaths by AM Table 4th Insurance Year AOBAT 15 16 W 18 19 20 21 22 25 26 27 28 80 31 32 33 84 87 38 39 40 41 43 44 45 46 47 48 48 TO Actual $50,200 241,000 460,800 988,100 1,282,800 2,094,100 2,730,800 2,897,700 8,228,200 8,565,000 4,033,800 4,267,500 4,279,400 4,595,600 4»767^ 5,164,700 5,035,200 5,469,300 5,058,900 5,25U00 6,281,600 5,054,200 5,234,000 4,796,200 4,582,400 5,087,700 4,787,600 4,598,200 3,980,800 3,370,600 3,372,700 3,223,600 2,866400 2,488,400 2,382,100 18,000 I, 000 8,500 12,000 13,000 20,000 27,000 12,000 16,000 12,000 25,500 6/X)0 18,000 15,000 16,000 22,700 18^ 12,000 18,500 6,000 16,000 II, 000 19,000 81,600 47,200 41,000 14,000 118,900 16,700 65,600 7,000 80,00 AOB AT $200 900 1,700 8,600 4,800 8,300 10,900 11,800 18,100 14,600 16,600 17,600 17,700 19,000 19,900 21,800 21,600 24,000 22,800 24,400 25,400 25,300 27,400 26,400 26,600 31,400 81400 82,200 29,900 27,100 29,200 30,200 28,800 26,600 28,200 TO 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 Totals $2,301,400 1,808,500 1,508,300 1,871,700 1,142,200 1,153,700 922,900 860,500 670,400 762,400 475,300 328,300 240,200 95,100 158,700 77,500 Actual Deaths $140,210,200 $65,300 15,000 19,000 10,400 16^ 10,500 48,400 14,500 17,000 4,000 25,000 1,000 13,000 2,000 11,000 $963,100 Deaths $29,600 25,200 22,900 22,600 29,600 22,500 19,600 19,900 16,900 20,800 14A00 10,600 8,500 3,600 6,600 3,500 99i8|989 opoauicffor tba States aained wan pwlir ia tlie thicd than in the second insurance year, and greater in the fourth than in the third, dnatatt* MOIITALiTY EXKRHNCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT kiMK> MAIMI4CHI I «T ra» WRW il AMW i m iE, BHOPK MUtfiPOIt VMtMOl (Group 1) Expected Deaths by AM Table 5th Insurance Year ; AT Exposed $59,200 231,500 418,800 874,500 1.905,300 2,636,100 2,813,500 3,143,200 dy66M00 4,234,900 4,380,300 4,665,100 4311^ 5^,000 5»048»500 5349,500 5,238,600 5^71,700 5,233,000 5,023,600 5,819,000 4iynMM 4,68fMKI0 5,116,600 4,641,600 4,428,400 3^000 3318,800 3,344,100 3,393,100 2,621,100 2,534,500 2^1300 Actual $1,000 3,000 6yM0 4,000 7,500 8,000 28,000 9,000 10,000 16,000 18,500 19,000 9»000 18,600 42,000 12,500 21,500 12,000 14,500 33,100 40300 23,000 21,000 5,000 19,300 28,000 31,000 42,000 20,300 17,500 34,400 23,000 14300 mil 900 1,600 3300 4,700 7,900 11,000 11,900 13,300 15^ 17,000 18,100 18,800 20,200 21,000 23.100 22,900 25,000 25,300 26,400 27,400 27,500 30,700 30,300 30,200 35,300 34,300 35,100 38A00 30,500 33,200 36,400 30,500 32,000 31,100 Acta* Eimnr 50 51 52 53 54 55 56 57 58 60 61 62 63 64 65 10 $2,274,900 1,765,900 1342300 I3I63OO i4a,ooo 1,164,700 914,400 828,200 634,900 772300 478,400 330,300 297,700 105,600 131,700 76300 $75,500 4,000 36^600 22,100 15,500 21,000 20,000 5,000 3,500 14300 18,000 27,200 10,500 9,000 21,000 4,000 mt%m $33,900 28,600 27400 27,100 24300 26,500 22,600 22,300 18,600 24300 16,600 12,500 12,200 4,700 6,400 4,000 $l,f773H 74 MORTAUTY EXPKRIfiNCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF CONNECTICUT MAUW, MASSACHUSETTS, NEW HAMPSN^^ (Gbouf 1) Expected Deaths by AM Table At- tained AOB 20 21 22 23 24 25 26 27 28 31 32 33 34 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 64 55 56 57 58 6th and Subsequent Insurance Years Exposed to Actual Drai $57,000 245,300 569,800 1,367,800 2384,100 3,962,100 6,251,900 8,690,600 11,553,600 14344,400 18,596,600 22,598,700 26,891,400 31,669,600 36,320,500 41,177300 45,748300 50,429,600 55,122,600 59,553,500 63,310,300 66,624300 69,826300 72,773,900 74,199,100 76,415,800 77,546,200 77,716300 77,757,700 77,415,000 76,884,200 76,610,500 75,050,700 72,691300 70,233,300 67,975,500 65,703,400 62,165,100 59,214,000 66382300 Expected DSATBS $1,000 2,000 10,000 8,000 14,500 23,500 31,000 62,500 52,000 67,000 67,000 93,500 172,500 137,000 191,700 284300 192,0( 235,700 272,100 349,900 461300 369,800 438,500 510,100 560,100 569,700 624,100 660,100 667,0 763,500 755,500 1,086,300 At- tained Age 8003001,074,400 1,067,600 1,095,500 1,583,800 1,180,400 1,133,500 $200 1,000 2,300 5,700 930 17,100 27,200 38,100 50,900 65300 82,900 101,300 121,300 145,400 170,000 196300 226,0( 258,200 293,300 331,100 369,700 410,400 456,700 505,100 550,600 606,800 660,700 713,400 769,000 828,300 890,300 960,700 1,022,200 1,129300 1,187,500 1,249,700 1,286,200 1,332,900 13663001377400 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 BZPOSEDfO RiBK 84 85 86 87 89 90 91 92 93 94 95 96 97 98 99 100 Totals Actual Deaths $52,740,700 49,627,600 47,144,600 44,392,800 41338,100 38,7^,500 36,219,400 33,973,800 31,162,000 28,050,800 25394,000 23303,500 21,721,200 20,298,400 18,763,000 17,113,700 16386,700 13,489,000 11,830,700 10,324,100 8,792,200 7366,400 6,133300 5370300 4,207,700 3,478,000 2,679,000 1,988300 1,519,800 1,084,200 768,800 531,500 387,000 234,400 124,900 73,500 36,500 31,000 11,000 1300 1,500 $2,480,378,800 $1,393,000 1,604,500 1,457,900 1,396,300 1,518,000 1,482300 1,431,300 1,864,200 1,747,800 1,909,500 1,574300 1,518,100 1,365,600 1,282,600 1,490,300 1,520,900 1,666300 1,341,600 1,372,300 1,326,500 1,116,200 966,300 897,900 994,100 641,100 611,300 605,700 370,900 379,700 254300 224,000 104,000 132,600 92,500 46300 42,000 5,500 20,000 9300 1,600 Expected Deaths $55,704,700 $1,407,100 1,440,700 1,488,800 1,525,800 1367,600 1375300 1,600,200 1,631,700 1,625,400 1,588,800 1354300 1,547,700 1,571,100 1,591,200 1,593,400 1,573,400 1332,100 1,452,100 1,376,000 1,297,700 1,193,500 1,063,900 968300 896300 770,600 685,400 567,400 451,900 371,000 283,700 215,500 159,200 124,300 80,100 46300 28,500 15,000 13,700 5,000 800 800 $58,006,600 75 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESinENT AT DATE OF DCSURANCB IN THE STATE OF NEW JERSEY NEW YORK OR PENNSYLVANIA (Gaoup ft) R i u wc rm Di4V9b wr AM Tjmm 1st Insuranci Year AT 15 16 17 18 19 20 21 25 26 87 n U 67 46 41 42 48 44 46 47 48 49 £XP06£D TO $455,700 ijmAm 1310,200 3,582,500 4,891,000 6,704,900 10,255,500 10,286^400 11,266,600 11,925,800 13,410,800 13,598,200 14,683,300 i6^6ai^ 16^687^ 16,873,400 15,392,200 16,202,900 16,162,400 16^666,000 16^691,800 16,825,700 15,625,600 15,376,000 14»1SM00 14,482^ 12,841,000 12,842,500 11,845,600 11,650,100 11,416,100 8,910,800 smm 7340,100 6342,300 Actual $1,000 2,000 7,500 9,000 12,500 29,800 27,000 17,000 23,000 17,500 64,000 66,000 28300 18300 37,300 52,000 22,000 28,500 2A300 20,000 56,000 42,000 107,500 71,000 67300 69300 41,000 50,500 49,500 54,000 14,000 87,000 66,700 47,000 Expected $1,100 2,600 4,700 9,400 13,000 18,300 28,500 29400 32300 34,700 39,800 40,100 43,800 46,600 46300 50,800 46,300 48,900 49,500 48^700 62,800 52,700 52,000 52,900 60300 68300 60300 50,400 50,900 62,600 55,000 46300 46,400 46,000 43il00 Agb at 60 61 53 54 55 56 67 Exposed to 59 60 61 62 64 65 Totals 16377300 6,488300 4,994,400 4,170,200 3388,000 3,228,700 2,461300 2479300 1,904,500 1364,800 1,300,100 637,400 867400 851300 298300 235,700 1439,855300 Actual Deaths 886.000 48,600 7,600 12,500 43,000 18,000 18^ 18,000 Expected Deaths 13,000 8,000 7,100 4,500 1,000 $1302,600 liMOO 89,700 89,800 35,400 8O3OO 82,100 2$300 2S300 24,100 18,800 19,400 10,300 16400 6^700 6,100 5,300 $1,767,700 76 MORTALITY EXPERIENCE BY HAMTAT AMERICAN MEN nSBIENT AT DATE OF INSURANCE IN THE STATE OF NEW JERSEY NEW YORK OR PilMSYLVANiA (Group 2) Expected Deaths by AM Table 2d Insurance Year AOB AT 15 16 17 18 19 20 21 22 28 24 25 26 27 28 80 31 32 33 84 86 87 88 89 40 41 42 43 44 45 46 47 48 4» EZFOMPflO Actual Drnktm $320,700 766,600 1366,000 2,766,500 3,708,900 5,206,900 8,143,300 8,114,700 9,126400 9,789,300 11,198,200 11,420,100 12,460,400 13347,100 18,498400 14,574,300 13,636,500 14,424,800 13,973,300 I83243OO 14,664,100 14,161,200 14,201,500 13,597,300 12347,900 18379,500 U,486,900 10,661,900 10,323,600 10,078,400 10,142,200 7388300 6,962,100 6,838,300 6,684,300 $1,000 6300 • • • 2,000 11300 15,500 54,000 37,000 28,000 28,600 30,800 59,300 30,000 68,500 41300 46,200 24,300 62,800 40,000 47300 88300 83,000 41,700 79,000 74,000 21,000 76,000 67,500 157,000 59,500 65,900 68,000 187,000 29,500 84,500 $1,000 2,500 4,600 9300 18,100 18,700 29,800 30,200 84300 87300 43,000 44,100 48,300 52,200 62300 67300 54,100 58,000 57,200 68300 62300 62,600 64,900 64,500 62,000 68,900 62,600 61,300 62,900 65300 70,000 55,900 64300 67,900 50,300 An AT EXPCNUBTO Actual Dbaths 50 51 62 68 64 55 56 57 68 60 61 62 63 64 66 $5,868,900 4,767,900 4,643,800 8,702,400 8,068300 2,865,000 2,267,800 2,036,500 1,699,500 1376,400 1,190,200 760,600 894,300 380,600 376,600 260300 $12,900 59,200 63,500 42,500 66300 14,000 49,000 14,000 24,000 88300 21,600 5,000 16,000 4,500 3,000 32,600 Totals $379,863,100 $2,220,100 Expected Deaths $57,500 50,400 53,000 45,700 41300 41,600 35,500 34,600 31,300 27300 26300 17,900 22,900 10,600 11,400 8300 |2,147,56# 77 MO R TAU TY EXPfiRIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF NEW JERSEY NEW YORK OR PENNSYLVANU (Gmm f) Expected Deaths bt AM Table 3iiD Insurance Year Exposed to $272,200 604,500 1,090,400 2,405,200 4,551^ 7,243,100 7,666,300 8,515,800 10,594,100 lO^liMO 11,964,700 12,898,300 12,834,600 14,284,000 13,763,800 14460,600 18^000 18^,000 14,030,300 13,901,700 14,161,000 13,241,800 lMil.200 13,368,000 11,476,400 11,071,900 10,187,000 limooo 9,964,000 7,388,800 7,203,100 7,252,700 6^768^ Actual DXATBS $1,000 1,000 2,000 12,500 2 S Ki O O 21,600 28,000 18,000 46,500 56,000 20,000 42,600 47,100 60,000 58,000 56,500 87,600 4SJ0O 87,600 77,000 106,600 63,800 71,700 6^100 71,800 99,000 77,000 45,000 iQjm 07,800 142,000 56,000 110,200 34,900 Expected DSATHa $900 2,100 3,900 8,700 12,000 17,800 28,000 30,000 33,700 37,000 4^800 48,500 52,400 62.300 58,700 57A00 60,000 68,600 61,700 64,100 65,800 69,800 68,800 67,600 76,200 69,300 71,000 69,700 74^ 78,100 62,100 65,200 70,700 60,700 Age at Entry 50 51 52 53 64 66 56 57 58 69 60 ffiL 62 63 64 66 to Risk $6,125,900 4,874,700 4,695,200 3,913,500 8^,600 2,860,600 2,670,400 2,119,200 1,874,700 1,642,700 1,269400 863,600 893,400 418,400 447,700 279,800 i89i^716blM AoriMkL Deaths $71,500 53,000 53,000 60,800 68,600 86^000 42,600 18,700 41,200 2M0O 40,600 21,000 26,000 21,000 81,000 tli4IMM DMA! $69,900 60,200 62,900 56,800 66^700 48,800 49,700 42,800 41,200 86^ 82,900 24,100 27,400 13,900 16,200 11,000 78 MOHTAUTY WXraSimifX BY HABITAT AMERICAN MEN RRSIIMBNT AT DATE OF INSURANCE IN THE STATE OF NEW JERSEY NEW YORK OR PENNSYLVANIA Expected Deaths by AM Table 4th Insurance Year AOfVAL EXFBRBD AOB AT Ba^POBEDTO Actual Expected Bmc DBMS Dmtacam Emtbt Risk 1/KATH8 16 $218,000 • • • $800 50 $5,976,300 $32,500 $76,800 16 553,000 $3,000 2,000 51 4,796,400 71,800 66,900 17 900400 2,000 3,400 52 33,500 69 600 mm w 18 2,10^000 8.000 8,000 53 3,758,600 100,000 62,000 19 2,828,000 U,000 64 8^^ 82»000 20 4,047,000 17,300 16,000 55 2,906,700 91,600 66,700 21 6,568,800 21,000 00 A, fltK/,OV\/ 49,200 6^600 22 7,122,300 25,500 28,900 57 2,267,700 62,000 62,400 28 7,867,400 25,900 32,100 58 1,998,900 33,400 50,200 24 8^688^ 88»000 86,600 69 1,666,700 48^ 45j600 25 9,923,400 24,500 40,900 60 1,467,400 48,000 43,400 26 10,378,300 49,500 Di oafi!,Xvv 2,000 26,600 27 11,537,200 35,000 47,800 62 884,400 12,000 81,200 28 12,506,600 45,000 51,800 63 529,600 8,000 20,400 29 19»681t900 84^ 62,200 64 420,100 16,500 17,600 65 279,600 ■ msm 12,700 80 18,741,100 84,000 68^000 31 13,586,300 21,900 58,300 lotals tl iriifi 66i 32 13,623,700 70,000 59,700 33 13,128,100 46,300 59,100 84 18»668»200 124,500 62,900 S6 18»788,800 53,000 66,200 » 18,676,900 67,700 68,000 «7 13,787,900 90,700 72,200 88 12,900,800 78,000 71,000 88 12,554,500 111,800 73,000 40 13,200,300 92,200 81,400 41 11,236,000 90,500 73,800 10,966|600 98,800 76,800 48 10,066400 96^ » 75,600 44 9,662,900 59,100 77,700 46 9,752,900 97,500 > 84,400 46 7,220,500 ► 35,50(] 1 67,500 47 6,766,40C 1 67,00C 1 68,300 48 1 82,70C ) 76,900 4» 6,984,60c 1 162,20c 19 MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN Umsm AT DAIE OP INSURANCE IN THE STATE OF NEW JERSEY NEW YORK OR PENNSYLVANIA (Gboup 2) IbmCTED J^MMSBB BT AM TaMM 8th Inmnuncs Yimi Asa A] Exposed to Actual JSiXPXCTXI P AGE A' r Bkposed to Actual — Expected Eimn r Risk Deaths 15 S208 OOC i ISA QAJ aiw F $82,00( ) $88,400 16 480 000 1 flM I 01 mJo70,7(K ) 77,90( ) 73,900 17 f Of£U\} 4,827,50( ) 64,90( ) 76,200 18 1.889 70C f t f*k\J\J oo o,oo4,70C ) 65,50( ) 68,600 19 2 547 OOC ) 18,00C i 1 A A(\(\ f lv,4fcUU o,472,90C 1 89,70( ^ 7M0O 20 3,639,40C ► 12,00c ) 15,100 55 2,79640C ^ 88,00c 1 88J0O 21 6,077,100 > 13,00C » 26,400 66 2,764,00c ^ 84,00C 1 68,100 22 6.741 700 » 89,00Q 167 Off 1AA f7A/1 Z,10y,70C > 86,30C ► 56,800 28 7J87J00 87,000 Oo 1 AOO AAA 95,800 ► 58,200 M 8^8400 22,000 Ou,oUU 1 ^"lA ilAA l,ol0,400 53,000 » 61,400 25 9,575,400 89,000 40,800 60 1,551,100 32,000 68,800 26 10,096,900 52,500 43,200 61 844,700 17,600 81,800 27 11.161 400 42,900 47 SftO i fitit QAA olOiioOO ■Htfc AAA 52,000 88,500 28 12.171.600 84,500 52.1)00 1 KXkA AAA 1 OIMI,UUU €%M AAA 24,900 26,500 29 12JL68;:4iOD 8^i00 fift 100 WP,AvU i Q'7A 1AA OA AAA 29,000 18,000 1 OKI Kf\Ci 1 il AAA 14,000 13,300 80 13,390,700 59,500 31 13,368,800 51,700 60,600 Totals $250,862,780 • tlTitTi8 32 13.273.900 72,200 33 12.776 600 54,500 M 18J27i800 64400 S6 18,m^ 74,000 71,100 as 13,425,000 85,800 73,600 87 13,318,500 100,500 76,800 S8 12,557,700 51,500 76,600 89 12ig29800 82,000 79,900 40 18,081^ 88,000 90,800 41 10,896,800 94,700 80,400 4S 10,144,200 59,500 80,300 48 9,690,200 81,200 82,500 44 9,081,000 68,500 83,500 45 9,832,400 52,500 92,500 4S 7422400 66,800 76,400 47 6,879,000 79,500 77,700 48 6,510,300 78,800 82,000 49 5,728,800 76,500 78,400 80 MORXAUTY EXPERIENCE BY HABIXAJ AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF NEW JERSEY NEW YORK OR PENNSYLVANIA (Gaoovf) ExpacnD Deaths by AM Table 8th and SuMmunrr Insuiiaiick Years Exposed to Risk $157,300 552,300 1,208,200 2,654,700 4,766,800 7,851,100 12,990,500 18,571,100 24,514,600 81,503,800 88,811,800 47,619,100 56,563,400 67,044,600 77,440,900 88,847400 98,480,500 108,518,000 118,016,900 126,949,900 136,738,900 144,685,800 151,848,900 157,562,000 161,857,000 165,661,700 166,942,100 187,176,700 166,876,400 165,240,100 163,871,800 161,082,000 167371,800 154,693,100 150,688,900 147,982,400 143,285,600 137,686,300 182,208,800 127,688,800 Actual Deaths $2,000 • • ■ 15,000 29, 36, 48,000 108,400 81,200 148,700 166, 262,500 227,300 342,700 330,100 602,200 469300 565,500 660,900 640,500 738,700 1,078300 1,077,700 1,221,000 1,254,200 1,209,600 1,464,800 1,896, 1,818,900 1,962,800 2,247,000 2,227,300 12,499, 2,661,100 2,523,800 2,392,300 2,577,100 3363,700 Expected Deaths $600 2,200 5,000 11,100 20300 33,800 56,500 81,500 108,100 139,600 176300 213,400 255,100 307,800 362,400 422300 486300 555,600 627,900 705,900 798,600 890300 998,100 1,093,500 1,201,000 1,315,400 1,422300 ,700 1,650,400 1,768,100 1,897,600 2,020,000 700124603001 1001384 2,286,400 2,423,100 2,585,200 2,725,300 2,848,700 12326,8002376,00 3,158,1003,123,300 At- TAOfKD Am 60 61 62 63 64 66 66 67 68 69 70 71 72 73 74 76 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 98 94 95 96 97 99 100 Totals Exposed to Risk $123,168,200 119,324.900 114,621,100 109,361,000 103389,800 97,869,100 91,447,600 85,372,200 78,860,100 73383,600 87,078300 60,995,100 56,317,200 51,591,000 47,107,700 41,726,100 86,873,500 82,241,400 27,920,400 23,747,900 20,471,600 16,906,000 13,774,200 11,192,600 8,933,400 6,658,300 6386,000 8,688,600 2,780,000 2,043,100 1,456,000 1,047,800 666300 412,500 250,400 169,300 85,100 36,100 12,500 7,500 3,000 Actual Deaths $5t5a2,671>580 $3,240,900 3,549,300 4,361,800 3,781,500 3395300 4,553,900 4,421,900 4,240,200 4,055,100 4,954,000 43^,100 3,919,100 3,819,000 3,882,900 4,064,400 3346,700 3,757,600 3,435,900 3,349,200 2,772,200 2,723,700 2,486,900 2,215,000 1,927,400 1,896,600 1,325,200 1,068300 780,000 657,300 486,700 323,600 296,500 170,000 185,000 67,600 84,200 47,500 14,500 6,000 4,500 8,000 Expected Deaths $139372.708 $3,286,100 3,464,000 3,619,700 3,758,700 8372300 3,979,400 4,040,200 4,100,400 4,113,300 4,156,400 4,128,000 4,068,300 4,073,400 4,044,200 4,000,300 8386300 3,669300 3,470,800 3,247,400 2,984,800 2,778,800 2,476,400 2,174,500 1,903,300 1,636,200 1,312,200 1,066300 888,400 678,500 534,700 408,200 813,800 213,800 141,000 91,100 65,600 35,000 16,000 6,700 3,800 1,700 $134,876,700 91 MMTiyLimr experience by habitat AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE DISTRICT OF COLUMBIA THE STATE OF INELAWARE, KENTUCKY, MARYLAND, NORTH CAROLINA TENNESSEE, VIRGINIA OR WEST VIRGINIA. (GbohpS) BT AM Tabls Age at 15 16 17 18 19 21 87 28 81 84 85 36 17 89 40 41 42 48 44 45 46 47 48 48 hmmMKM Yiar Exposed to Risk $168,800 570,800 1,092,200 2,147,600 8^8400 4,974,100 7,211,200 7,895,900 8,179,300 ^1^40^^600 8^900 8^884,000 8,981,400 9,448,200 9j,99S^000 9^,700 9,488,100 9,105,800 9,106,100 9,454,000 9,459,700 ^848300 8,444300 8,083,000 7,699,000 7,114,700 6,766,100 5341400 6341,700 5,273,800 4,590,500 4,097,100 4,067,600 838M00 Actual DSATHS $3,000 3,000 6,000 9,000 21,500 17,500 29,500 38,500 26,000 18,000 28,500 21,000 21,300 30,000 87300 24,600 40,100 28,000 70,500 39,200 147,900 28400 3,500 22,100 39,000 22,000 22,500 18300 12300 27,000 2,500 7,000 29,000 81,000 Expected Deaths $400 1,400 2,800 6,800 8^800 13,600 20,000 22,300 23,400 24300 25300 26,200 26,800 28,100 27300 8O4OO 27,900 28,600 27,900 28300 29,900 8O3OO 28300 29,000 28,900 28,600 27,600 27,600 26400 26,600 25,400 23,600 22,500 23,900 21,400 Age at £llTBT 50 51 62 64 55 56 57 58 EXPOSBOIO 60 61 62 63 64 66 $3,414,500 2,692,800 2388,000 2496,800 1,771,900 1,539,200 1,390,100 1,174,500 9U300 817300 795,500 310,600 239,600 228,400 163,600 14630 Actual Deaths Totab $255,090,100 $32,700 14300 90300 10,000 10,000 7,000 11,700 30,500 10,000 8,600 1,00 5,00 6,000 $1,104,200 ExPEcrm Deaths $23,100 19300 21300 18,700 16,300 15,300 15,000 18,700 11300 11300 11,900 5,000 4300 4,400 8300 8300 1996,200 82 MORTAUTY EXPERIENCE BY HABITAT AMfilUGAN MEN REfflMENT AT DATE OF INSURANCE IN THE DISTRICT OF COLUMBIA THE STATE OF DELAWARE, KENTUCKY, MARYLAND, NORTH CAROLINA TENNESSEE, VIRGINIA OR WEST VIRGINIA (GWUF 8) Dbaibhi bt am Table Year Exposed to Risk Actual Deaths Expected Deaths Age at Entry £xposed to Risk Actual Deaths Expected Deaths $114,000 357,500 692,100 1,28M00 1^977,700 3,052,600 4,438,500 4,796,200 5,185,100 &48O00 6,542,700 5,999,000 6,114,500 6,540,800 6.88&000 8,727,000 6,726,300 6,423,900 6,133,100 6,485,700 6,645,700 6428,600 6,768,000 5,811,400 5,685,100 4,900,400 4,046,000 4,281,900 4,246,800 3,553,100 3,245,600 2,907,700 2,923,600 2*719400 $2,000 6,000 4,000 7|008 16,000 16,000 14,000 16,700 81^ 17,000 21,000 26,000 20,000 38^ 87,200 88,600 33,500 31,000 51,400 17,000 47,600 22,600 43,200 25,500 33,000 38,500 46,800 60,000 26,000 8,500 17,000 27,500 19,100 18,600 $400 1,200 2,300 4^ 7,000 11,000 16,200 17,800 19,500 20,800 21,300 23,200 23,700 25,600 26^ 27,100 26,700 27,000 26,300 25,600 27,800 28,900 28,000 27,300 28,700 29,500 26,700 28,400 26,800 27,500 24,500 23,900 23,000 24,800 24,800 50 51 52 68 64 55 56 57 58 69 60 61 62 63 64 66 Totak $2,830,700 2,013,700 1,906,000 M98,900 1,214,600 1,187,800 1,058,600 858,600 725,200 666,800 292,300 164,400 200,100 162,700 146,600 $I7M73^ $29,000 47,500 22,500 84,000 18,000 8,608 22,000 22,500 14,500 6,500 49,100 4,000 7,000 6,000 8,000 $1,16S,466 $27,700 21,300 21,700 18,400 i6;8eo 17,200 16,600 14,600 13,400 11400 18,800 6,900 4,200 5,500 4,900 4,700 |H9,M8 83 ftiORl'ja^TY EXPERIENCE BY HABITAT AMERICAN MEN ^f^TR^lJ'ilJ^.S^lJ^^l^^^lJi!' ™ WSTRICT OP COLUMBIA THE STATE ^^J^^^^KSMTWXY, MARYLAND, NORTH CAROLINA TENNESSEE, VmCDHA OR WEST VIRGINIA (Group 8) . EXPSCTKB DSATHB BT AM TaMLB 3b Iiuuunce Year 1 SZPOWD fC ► AcTVAIi » AGS AT r l!«XP08£0 TO 1 Actual Expected 1 ROK JL/£ATHS 15 $84,60C » fl^OOC » 1800 \ 50 $2,770,40( ) $28,30( ) 831 600 28»,0IN imm ► 51 2 024 40( \ ACT /\/\/\ J y^A INNl 17 ^ mm \ 1,00C > 1,900 > 52 1,908,00( ) 22.50( ) 25 500 18 1,088,10C > 2,00C ) 4,000 53 1,443,50( ) 46.00( 19 1,655,70C \ 2,00C I ^00 54 1,247^ > 18J0C 20 2 529 70(1 » 9,00(] ^ 9,600 55 1,227,40( ) 23,00( ) 21,000 n 8^,00€ ► 14,700 56 1,075,10( ) 20 50C 1 90 nno 4,086^ » 14,000 > 16,000 57 826,20( > 11 OOC \ 16 700 28 4,640,200 > 36,000 18,400 58 779,70C > 12 OOC 1 17 100 24 4,735,000 20,000 18,900 59 633,60C ^ 28b00(] 25 29,000 20,100 60 > 7,500 ^ 16,800 26 5,471,500 ll,o00 22,100 61 801,600 f 18 000 27 5,714^ 20,500 28,200 62 174,400 1 000 R 5100 28 6442^ 16,500 25,000 63 185,400 2 000 ft 900 28 5,718^ 33,000 23,300 64 186,200 10.500 A 700 65 139,700 V,IVU 5»500 80 32,000 25,900 • • • 31 5,964,800 17,000 24,800 Tolab li4Mg%68l 81.i2iw488 82 6,128,400 19,500 26,000 33 5^,600 18,500 25,100 84 IMMO^ 2M0O 24,500 85 5,948,000 28,500 27,200 36 5,815,600 24,000 27,500 87 5,694,800 26,000 28,100 38 5,306,900 24,000 27,400 89 5^400 29,600 2^900 40 6^,100 25,600 29,000 « 4,591,300 12,600 27,700 42 4,346,800 41,000 27,800 43 3,881,600 21,000 26,500 44 3^000 28^500 28^ 45 8451^ 47,100 27,000 46 8404,000 27,000 26,100 47 2,863,200 13,000 25,900 48 2,817,200 13,000 27,500 49 2,758,900 72,100 29400 84 MORTAUTY EXPERIENCE BY HABITAT AXBBICAN lOtN RESIDENT AT DATE OF INSURANCE IN THE DISTRICT OF COLUMiM THE STATE OF DELAWARE, KENTUCKY, MARYLAND, NORTH CAROLINA TENNESSEE, VIRGINIA, OR WEST VIRGINIA (GwuF 8) Expected Deaths by AM Table 4ffM Exposed to Risk $57,500 209,500 430,100 866400 1,376,600 2,195,300 3,279,900 3,505,700 4,135,000 4;Si7|400 4,547,500 5,009,800 5,328,700 5,679,700 5^845400 5,953,700 5,569,400 5,648,700 5,349,900 5,038,000 5^7,900 5,440,000 5,517,600 5,043,000 4,875,300 4,868,900 4,491,100 4,090,900 3,615,800 3,564,700 3,271,000 2,846,800 2,809,200 2,679,700 2,574,800 Actual Deaths 18,000 8,000 11,600 18,500 5,000 22 000 2^000 37,500 31,000 24,000 34,100 18,800 16,500 17,500 26,000 31,000 41,500 79,500 22 000 46^500 35,100 61,500 22,000 28,500 42,600 12,200 64,500 21,700 49,000 21,000 32,000 24,000 Expected Deaths $200 800 1,600 5,800 8,700 13,200 14,200 16,900 17400 18,700 20,700 22,100 23,500 22,800 25,100 23,900 24,700 24,100 28,400 26,600 27,300 28,900 27,700 28,300 80,000 29,500 28,700 27,100 28,700 28,300 26,600 28,400 29,800 30,500 Age at Entbt 50 51 52 58 54 55 56 57 58 60 61 62 63 64 Totals Exposed to Risk $2,680,900 1,842,800 1,788,500 1,287,500 1,213,500 1,211,800 1,004,100 862,100 733,500 6^2,600 629,800 281,100 173,700 203,400 156,200 129,200 $149,936,000 Actual Deaths $58,900 45,500 19,500 6,000 16^ 19,000 13,000 42,000 7,000 2,000 78,000 5,500 9,300 3,000 1,000 5,000 $1,248,800 Expected Deaths $34,500 25,700 27,100 21,200 21,800 23,700 21,300 19,900 18,400 17,600 18,700 9,100 6,100 7,800 6,500 5,800 $1,021,600 85 MBRSALmr EXPERIENCE BY HABITAT AMERICAN MEN o^L^^ ^^"^ INSURANCE IN THE INSTRICT OF COUUMBIA IHE STATE OF D ELAWARE , KENTUCKY, MARYLAND, NORTH CAROLINA l^KSWIA OR WEST VIRGINIA (Qaovr S) £xracxB>DMUBB>r AM Tou 15 1« 17 18 19 SI 2S 26 S7 30 31 35 S6 97 40 41 42 4S 44 46 40 « 48 49 TO 145,600 169,000 352,100 789,600 2362,400 3,023,900 3,693,500 3,777^ 4,214,100 4,573,900 4307,!200 5,309,500 5,124,200 5,660,600 5,249,800 5,230,400 6^084,700 436MB0 5,074,600 4,998,200 5,131,900 4,712,700 4^300 4,542,300 4,066,300 3,905,900 3,517,200 3,288300 3,116300 2,725,400 2,660,300 2,469,100 2,464,600 AotlXAIi $1,000 9,500 4,000 8,000 18,000 11,000 15,300 24,000 24,000 28300 14,000 26, 32, 14,000 31,000 47,500 88300 20,000 33,500 24,500 22,000 24,400 6I3OO 28,000 41,500 18,000 44,000 34^000 81,400 18,500 41,000 54,700 40,000 9m Insurance Year £XP06SDT0 1200 600 1,400 3,200 4300 7300 12,000 12,700 15,700 16^00 18,000 10,600 21,000 22,900 22,400 25,200 23,800 24,400 24300 23,000 26,500 27,400 29,600 28300 20300 31,400 30,000 30,900 29,900 30300 80,900 29,200 30,900 31,100 33,800 AgS AT 60 51 52 53 64 56 57 58 69 60 61 62 63 64 65 Tolak $2,542,100 1,659,200 1,656,300 1,190,200 U78300 1,126,100 940,100 828,100 721,500 631300 667,700 281300 174,900 202,900 144,700 111300 MIO-Bii-Ott Actual Dbathb $24,500 14,500 37,500 18,600 mooo 41,900 39,000 45,500 17,000 8I3OO 8300 4,000 22,300 20,500 4,500 3,00< Expected Deaths $37,900 26,800 29,200 22300 24,000 25,600 23,200 22,300 21,100 20400 19,400 10,600 7,200 9,000 7,000 6300 Om AND SuBSmUBNT INSURANCE YeARS At- 20 21 22 24 25 26 27 29 30 31 32 33 35 36 37 38 89 40 41 42 43 44 46 46 47 48 49 60 61 52 53 64 66 BT 68 59 Exposed to Risk $29,500 150,500 392300 962300 1,885,100 3,236,100 5,460,900 7,660,800 10312,100 12,966,200 16,037,500 19,255,800 22,545,500 26,096,000 2Mfi8300 33,188,200 36,061,900 38,663,000 41,424,200 43344300 46,047,900 48,039,200 49,947,300 50,916,200 61388300 61,997,000 52,222,000 52,142,600 51,107,100 50,312,400 60,062,100 49,460,600 48,927,200 47,756,700 46,424,000 45,441,600 48,689,000 42,148,800 39,862,500 38,616,000 Actual Djbaths $1,000 4,600 10,500 20,000 39,000 29,600 48300 74,500 78,000 90,000 92,000 147,500 146,000 207,000 181,900 214,200 292,300 266300 237,300 288,700 390,200 400,200 318^700 430,000 458,000 409,400 557,500 481,200 694300 704300 727,400 738,900 632,200 704,700 787300 986,500 799,100 962300 Expected DSATHS $100 600 1,600 4,000 8,000 14,000 23,800 33,600 46,600 57,600 71,500 86,300 101,700 119,800 187300 158,600 178,100 198,000 220,400 243300 268,900 295,900 326,700 353,400 382300 412,900 444,900 478,700 505,400 538,400 679300 620,200 666,400 705,800 746,500 793,900 881,000 872,100 897,300 945,700 At- 60 61 62 68 64 65 66 67 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 86 86 87 88 89 90 91 92 93 94 95 96 97 Totals osed to Risk $37,074,700 35350,700 33325,600 32,247,700 30,480,500 28,808,800 26,848,200 24310,700 22,708,700 20,713,400 18,998,700 16,967,100 14,924,300 13,196300 11347300 9,975,300 8,397,600 7,184,300 6,166,600 4,916300 3,897,400 3,177,800 2,464,800 1,961,600 1,484,500 1,055,300 861,900 571,200 441,200 355300 219300 126,800 108,700 63,000 52,000 20,000 10,000 5,000 $1,728,234,000 Actual Deaths $1,155,200 1,027,100 978300 1,120,300 1,164,700 1,058,400 1,212,600 1464,000 1,171,700 1,169,800 1,271,800 1,223,600 1,116,200 1,064300 897,000 920,900 799,800 693,200 843,300 783,500 487,300 527,800 361,800 359,700 345,700 175,200 272,800 125,500 98,000 91,700 62,700 28,100 31,700 11,000 31,000 10,000 6300 $37,376,300 Expected Deaths $989,200 1,023300 1,068300 1,108,400 1,139,400 1,171,400 1,186,200 1491,700 1,184300 1,173,200 1,167,900 1,131,700 1,079,500 1,034300 917,100 835,700 773,400 717,200 617,900 529,000 465,300 389,100 333,600 271300 208,000 182,500 129,800 107,700 93,000 6I3OO 87,700 33,300 21,500 18,900 7300 4400 2300 $36,759,100 87 MORIAUTY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ILLINOIS INDIANA. MICHIGAN, MISSOIMU, OHIO OR WISCONSIN (Cteoup 4) ^^^^^^ Expected Deaths by AM Table 1st Insurance Ysar Age at Exposed to 1 T> Actual » AoS AT Actual £xp£cted KlSK Deaths DxATn Bmikt I>iAm 18 $713,30( ) $6,00( ) $1,80C 1 50 $7,162,50( ) $98,00( ) 848.600 16 2,018,10C ) 5,00( ) 5,10C ) 51 5,892,30( ) 27,00( ) 42!900 17 4,054,90C > 11,00( ) 10 400 ► 52 R QiiQ 70^ \ t A AIM k AAA 18 7,550,00C > 16,oOC ) 19,700 ^ 68 4,140,60( ) 28,60( ^ 35,200 19 9^40C ^ 87,00C ) 26,100 > 64 8,637,80( ) 35,50( ) 33.500 ^^^^ m^m^^ » 13,670,700 ► 29,50C I 37,300 55 3,638,00( ) 67,00C ) 36,200 21 19.506 000 «/V/,OV\J 00 2,692,60C ) 24,00C > 29,000 22 19,789,300 53,000 56,000 57 2,241,30C 1 21,000 ^ 26400 23 20,411,300 65,700 58,400 58 1,781,80C ^ 20,000 ^ 22,200 24 21,566400 80,600 62,800 69 1,664400 • » 8,600 ^ 22.900 25 21,922^ 41,000 64,200 60 1,486,600 10,000 22,200 26 2I.882]200 fid 700 \Wb,OUU Di 623,600 • • • 10,100 if 22,325,100 67,400 66,500 62 711,300 8,000 12,500 28 22,445,700 73,000 66,900 63 409,900 1,000 7300 22 21,783,600 69,000 65400 64 884,700 17,000 8.000 66 210,200 6^600 4.700 20 23,028,600 66^ ^,200 SI siftfino 52,000 » 30,000 ^ 51,000 ) 44300 22 11,064,300 42,000 43,300 57 2.069 900 JLJIflWWl 23 11,897,800 44,800 47,100 58 ld488Jm 1 M 1AA 46^600 60,700 QH iJTiiaofi OI,OUU 26 18478»000 AJt i^^kA 86,500 54,200 60 1,328,500 14,000 34,500 29D 1 A OOO AAA 37,500 57,500 61 476,900 33,400 13,500 27 14,593,500 35,000 59,200 62 519 600 18 000 JLO,«nlll 28 14,989,100 55,000 60,900 63 411 600 21 700 29 14^^ 68^000 64 886!000 66 26&200 8000 10 inn SO 1M06A00 HA AAA 70,000 ei^ooo u AAA 14,6^900 40,200 60,900 Totals 8406,349,400 U448.6M 14,812,600 60.500 62,800 83 14,765,100 49,000 63,800 84 14,707,800 42,500 65,200 85 14,737,900 77,500 67,400 86 14,446^ 68,500 6M00 87 18^744,400 75,400 87,800 88 18,683,200 100,600 70,600 89 12,544,600 87,500 68,000 40 12,429,700 47,700 70,800 41 11,120,000 64,500 67,200 42 10,464,600 121,600 87400 48 9314,500 88,600 87,100 9,234,200 57,000 67,500 45 8,656,900 50,600 67,700 46 7,666,000 59,100 64,500 47 6,728,100 71,000 60,900 48 6,414,900 79,500 62,500 49 fiiiflMOO 6^000 80400 90 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCX Of THE OTATE OF ILUMOB INDIANA, MKiOGAN, MISSOURI, OHIO CMt WISCCmSIN (Gboup 4) ExFBCKBD DBAm Bv AM Tabu 4th Insubancb Ybab An AT 15 16 17 18 19 20 21 22 28 25 26 27 28 29 80 81 32 88 84 86 87 38 89 40 41 42 44 45 46 47 48 flO $336,200 961,100 1,888,900 8,561,600 4,638,700 6,475,900 9,652,000 9,871,300 10,76M00 11,429,200 12,623,400 13,172,200 13,521,100 13,910,500 18,881300 14,769,200 13,925,400 13,921,300 13,814,700 18,896^ 14,089,400 18,607,600 13,065,700 12,807,900 11,956,000 11,898,000 10447,800 9,756,800 8,993,700 8,470,900 7,880,800 7,103,600 6,294,800 8406,100 6,584,600 $7,000 8,000 10,000 13,000 31,000 30,000 39,000 41,000 47,500 33,000 66,000 54,500 53,500 57,600 49,000 73,500 68,400 64,800 78,500 88,000 71,000 38,000 52,500 40,000 47,000 48,600 88,400 23,100 50,200 75,000 48,000 40,600 49^ 96,000 ExpBoiSD Aca AS $1,200 8,500 7,000 18,600 18,000 25,600 38,700 40,100 48,900 47,000 52,000 54,400 56,000 57,600 67,900 62,300 59,700 61,000 62,200 64,600 87,400 68,200 68,500 70,400 69,500 78,400 88,700 68,400 67,400 68,100 68,300 66,400 50 51 68 54 55 56 57 60 61 62 68 64 Totals 66300 65,500 Exposed TO $5,262,300 4,191,000 8,779300 8,587,600 3,078,800 2,577,800 2,403,000 1389,000 1318,700 1,822300 1,414,600 462,500 406,300 896300 829400 284300 $377,909,300 Actual $70,500 88,000 48,500 42,800 68,500 47,800 41,000 29300 81300 89,800 45,000 4,000 18,100 11,000 2,( $2,163,700 Expected $67,600 6^00 67300 58,300 55300 50,300 50,000 46300 88,100 44,300 42,000 14,900 14,300 15300 18,700 11,900 $2,482,600 91 MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN ™L ^^'^^ INSURANCE IN THE STATC OF ILLINOIS INDIANA, MICHIGAN, lUSSOUiU, OHIO OR WISCONSIN (C^up 4) Expected Deaths by AM Table 5th Insurance Year Age ai Exposmo fc > ACTUAl 1 EXPECTI •D AOB i iT SOQMIO Actual £llTBT Risk X/SATBJ \ Deathg » Enti 15 1271,20 . . $1,00 50 $5,141,00 )0 $66,60 S76.fiA0 16 812,60 . . 3,10< 51 3,859,00 ^ w w y W 35,60 62jilM 17 1,566,60< [) $8.00< 6 20( o,ool,80 /\ ^^^^ 88^70 82,200 18 2,994,101 [) 11,001 12,00( 53 8^7,70 2M0 66,400 19 3»964^ [) 22»00( » 54 ^968,10 24.50 62 ROO 20 5,681^ ) 27,00( ^ 2BM ) 55 2,490,80 47,50 56,500 21 8,641^ ) 87.501 f oo, lv\ f 00 2,195,00< 27,00( 54,300 22 8,833,20( ) 36,80( ) 37,20( ) 57 1,992,60( 36.00< ) fift.fiAA 23 9,939,00( ) 29,50( ) 42,10C ) 58 1,467,30< ^ 42,00( ^ INP,UUv ) 48,000 24 10,684,00C > 27,60C 1 4&50C 1 59 M77^ ) 2B.00( ) 47 100 ' * I ,AUv 25 11,792,200 > 28,500 » 50,80C ) 60 1,247,10( ) 20,00( ) 43,300 26 12,270,900 58,000 4d1,00( ) 33,00( ) 17,400 27 12,874^ 49,000 » 54,400 62 429,30( ) 42,00C ) 17 600 28 18,848,500 41,000 57,700 63 419,90(; > 14,000 > 18.700 29 13,328,300 42,500 58,200 64 297,600 ^ 46,00C M lidiOO 65 1 258»10(] ^ 6,60Q )\ 18J0O 30 14,027,900 71,700 62,400 31 13,300,900 62.500 60400 •i VfWi 1 i — »g IMA ^ t2;315,40() $2,610,200 32 13,351,400 45,500 6M00 33 18,280,600 49,000 68,800 M 18,282,800 66,500 66,500 AC oO 13,386,100 79,100 70,000 1 36 12,977,600 81,000 71,100 87 12,439,400 62,500 71,800 38 12,268,100 96,900 74,900 89 11,878,000 72400 78,700 40 11,523,900 42,000 79,500 41 9,555,700 51,800 70,500 42 9,294,800 53,500 73,600 43 8,298,900 42,500 70,600 8,076^700 6%900 74,200 46 7,472,700 113,500 74,100 48 6,664,900 63,600 71,500 « 6,025,400 71,500 70,100 48 5,738,800 75,000 72,400 49 5,276,500 105,100 72,800 82 MORTAUTY EXPERIENCE BY HABITAT AlflERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ILLINOIS INDIANA, MICHIGAN, MISSOURI, OHIO OR WISCONSIN Expected Deaths by AM Table §rH AND SllB8»tUENT InSURAMCB YeARS Exposed to Risk $194,200 846,100 2,081300 4,283,900 7,170,000 11,282,400 17,765,100 24,078,500 81,261,700 38,800,400 47,603,700 56,542,300 65,517,100 75,416,000 84,914^ 94,487,100 103,093,800 111,069,500 118,899,200 126^88^600 132,441,900 138,081,700 142,700,100 145,821,600 147,686,900 1484987,600 147,141,900 144,945,900 142,909,800 139,754,700 |186,476A00 132,460,600 128,991,100 124,447,100 119,768,600 114,991,200 109,802,600 106,188,600 100,524,000 95,758,500 Actual Deaths $2,000 m 6,0( 13,» 24,000 40,500 72,800 80,0( 180,800 151,000 178,000 221,500 234,300 388,400 861,5001 394,600 559,000 480,300 528,800 560,800 760,900 722,300 948,700 I, 018,600 II, 079,500 1,136,700 1,164,900 1,181,200 1,283,600 1,551,400 1,586,20011,580, 1,787,400 1,667,000 1,679,100 2,009,000 2,18740012,008, 12,806,600 1,899,400 1,898,700 Expbcted Deaths $800 3,400 8,400 17,900 30,500 48,600 77,300 105,700 187300 171,900 212,300 253,300 295,500 846,100 897,400 451,600 509,300 568,700 632,500 708300H 773,500 850,600 933,200 1,012,000 1,095,400 1,177300 1,253,600 1,330,600 1,413,400 1,495,400 ,400 1,661,100 1,756,900 1,839,300 1,925,900 At- *JJKi AOB ^,088,400 2,175,200 2,262,800 12,16630012,345,100 60 61 62 64 65 66 67 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 86 87 88 89 90 91 92 93 94 95 97 98 Totals Exposed to Risk $91,961,700 88,160,400 88,972,100 79,089,300 75,507,700 71,575,600 67,487,700 62,980,300 58,784,100 54,641,800 49,824,200 44,786,600 40,644,600 36,668,900 88,168,100 29,823,800 26,115,800 22,765,900 19,335,200 16300,600 13,725,800 11,342,000 9,288,900 7,484,500 5,971,600 4,608300 3,280,200 2,448,100 1,645,300 1,191,200 1^,700 518300 294,100 137,300 70,500 48300 82300 16,500 12,500 $4,736,385,300 AcfOAL $2,341,600 2,622,000 2382300 2372300 2,569,500 2,806,200 2,832,200 3,186,700 2,705,400 3,091,000 2,925,500 2,818,700 2,916,600 2,575,600 2358300 2,684,900 2,459,300 2,526,400 2,128,000 1388300 1,751,900 1,422,900 1,320,300 1,274,800 1,061300 1,067300 688,200 672,000 416,600 324,600 206300 199,800 127,200 53,500 21,500 11,000 17,000 4,000 12,500 $97,094,400 Expected Deaths $2,453,500 2,559,300 2,651300 2,718300 2,822,500 2,910,300 2,981,600 3,024,900 8,066300 3,094,900 3,062,700 2,987,300 2,939,800 2,874,100 2316,600 2,742,000 2,598,800 2,450,700 2,248,900 2374300 1,863,100 1,660,700 1,466,400 1,272,700 1,093,700 906,100 694,800 556,400 401,600 311300 211300 153,700 94,400 47,000 25,600 16300 18,400 7,300 5,700 $101,833,700 7 MCMITAIJmf EXPERONCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF FLORIDA QKmGtA (Ml SOUTH CAROLINA (Gboup 5) Expected DEATHa by AM Tahlb 1st Insurance Year Asm AX Bum 15 $64,500 • • • $100 16 193,500 $2,500 500 17 399,500 ^^^^ mm 18 968.400 2,500 19 1,288^ 8,300 20 2,191,100 4,000 6.000 21 3,455,900 13,000 9,600 22 3.379,800 26,000 9,600 23 3.632.000 11,000 10,400 24 8^008.900 21,500 10,600 2B 3,880,400 12,000 11.400 26 3,893,800 14,000 11,500 27 3.937.100 24,000 11,700 28 4.105.900 19,100 12,200 29 8i958J00 4,000 U,800 m 4,014^ 9,000 12,100 n 3,771,100 S,000 11,300 32 4.028 000 24,100 12,200 33 3,926.000 27,500 12,000 34 4J2351500 20^ 18^200 35 4,080^ 18,000 12,900 36 8.796.700 19,000 12,300 87 3,322,100 28,500 11,000 38 3,495,300 20,000 12,000 39 3466,700 1,000 U,800 40 3,224,700 16,600 12,000 41 2,820,600 80,000 10,900 42 2,711,800 15,500 11,100 48 2,576,300 27,700 11,100 44 2,395,600 22,000 10,900 45 2,169,300 2,000 10,500 46 1,912,100 27,500 9,800 47 1,742,100 16^ 9,800 48 1,550,200 18,000 9,100 49 1,513,500 21,000 9,500 AOB AT 50 51 52 53 54 55 56 57 68 69 60 61 62 63 64 66 Totals EXPMEOTO $1,332,000 1,061,900 1,226,200 926,900 812,400 697,500 627,400 616,200 698,900 848,200 855,500 232,400 125,200 78,600 64,600 45,300 $168,4M,6iNI Actual. Datam 6,000 77,200 32,000 15,000 3,000 9,000 1,000 8,500 1,000 7,000 8,000 4,000 1,000 1,000 |697,1M Expected Deaths 19,000 7,700 9,700 7,900 7,500 7,000 6,800 7,200 7,500 4,700 5,300 8,800 2,200 lylOO 1,100 1,000 8426»7M 94 MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF FUMOOA GEORGIA OR SOUTH CAROLINA (Gboup 5} RECTowtt DaAfinn AM Tabob 2d Insuiuiicb Year Exposed to Risk $47,500 117,000 243,500 539,800 719,000 1,286,600 1,909,100 1,877,500 2,088,300 1,998,700 2,467,800 2,428^000 2,464,100 2,412,800 2,510,900 2,696,200 2,491,200 2,789,400 2,687,500 2,733,200 2,736,600 2,533,200 2,181,200 2,295»100 2417,800 2,286,900 2,043,700 1,807,900 1,771,900 1,721400 1,504,000 1,359,200 1,204,300 1,135,000 1426^700 Actual Deaths $6,( 4,500 4,000 9,000 13,000 6,000 12,000 10,000 4,000 14,000 13,000 9,000 19,000 16,800 10,600 19,000 13,000 16,000 5,500 16,000 10,800 9,000 6,000 27,000 11,000 46^ 9,000 1,000 10,000 13,500 7,000 Expected Deaths 1200 400 800 1,900 2,500 4,600 7,000 7,000 7,800 7,600 9,500 9,400 9,500 9,500 9,800 10,600 9,900 U,000 11,000 11,400 11,700 11,200 10,000 10,900 10,600 11,900 11,100 10,400 10,800 11400 10,400 10,000 9,500 9,600 10,200 Age at 60 61 52 53 54 55 66 57 58 59 60 61 62 68 64 65 Totob Exposed to 8949,700 754,800 884,100 638,400 649,700 559,900 520,800 614,800 422,400 270,200 315,900 192,900 88,000 59,000 29,300 $71«128,ia0 Actual 6,000 7,000 9,000 12,000 6,000 14,000 9,500 5,000 1,000 7,700 7,000 $476,500 Expected $9,300 8,000 9,500 7,900 8,700 8,100 8,200 8,700 7,800 5,400 6,900 4,500 2,100 1,700 1,800 1,000 $409,300 95 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN ittHMNT AT HATE OF INSURANCE IN THE STATE OF FLORIDA GEIMIGIA OR SOUTH CAROLINA (Gboup 6) , Emhbcwd Drnjom n AM Tamm 3d iNsmuNci Year 1 £XPSCTS] ) i AOM A< * J! 7,50( ) 6,30C 1 66 472,001 » 11,00( ) 8,800 22 1,554,70C ) 3.00( 1 6100 p Of 4fflo,0lK > 88,00( ) 9,500 28 1,711^ I 6,(NN OD QOQ OA/ ) 1,00( ) 8,600 1,688»90C mm \ 6 70(1 Oyfyl CUV ) 6^ 2,159,600 12,000 > 8,700 60 319,50( > 13»70C ^ 8,300 SB 2,200,000 12,000 8,900 61 171,70( ) . . . 27 2,133,000 10,000 8 600 llO!,Olll 1 2,600 28 2,113,100 16,000 8 600 CO 1 vr AIM — « — — ' • • . 2,900 29 2|2iM00 17,700 1 IMM 1 4iD,VllI » . . . 1,700 1 Q1 RATI 1 Ol, OUlJ ' 3,000 1,200 80 2,420^ 28,000 10,000 Si 2,138400 11,000 8,900 Totals 82 2,518,700 17,000 10 700 AV, 1 \J\J 83 2,297,600 14,000 9 900 34 17^ 35 2^,600 86,700 10,900 86 1 10,600 87 1,906,000 15,000 9,400 88 2,013,500 11,300 10,400 39 1,871,800 22,000 lOAOO 40 2,007,900 16,000 11^ 41 1,833,400 6,600 llAOO 42 1,690,600 S7J0O 10,800 48 1,687,100 8,000 10,900 44 1,572,900 23,000 11,500 45 1,353,800 3,000 10,600 46 1,208,700 4,000 10,200 47 1,027,800 46^600 0^ 48 966^ 8,000 0,600 48 9811,000 81,000 10,200 96 MORTAUTY EXPERIENCE BY HABITAT Alira^GAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF FLORIDA GEORGIA OR SOUTH CAROLINA (Qmom 5) Eajt T Jto Dmisnm bt AM Table 4m iNKnuNcs YiAK Exposed to Risk $22,600 53,000 170,500 368,800 909400 1,447,600 1,380,400 1,575,600 1,520,900 2,028,400 1,946,100 1,968,700 1,977,400 2,099,600 2,270,000 2,043,800 2,269,500 2466^700 2,129400 2,149,200 2,021,100 1,754,100 1,843,300 1»766^ 1,814,000 1,667,900 1,619,700 1,429,200 1,406400 1461f800 1,167,800 872,400 924,800 947,700 Actual Deaths $2,000 1,000 1,000 3,000 6,000 9,600 3,000 11,500 7,000 10,000 16^600 6,600 16,000 7,000 14,000 12,500 7,600 14»600 18,000 18,500 7,000 10,000 7,000 8,000 9,000 9,500 13,000 7,600 16,000 9,000 5,000 30,000 13,000 Expected Deaths Age at Entry HOO 200 600 1,400 1,900 3,600 6^ 6,600 6,400 6,300 8,400 8,000 8,200 8,200 8,800 60 51 52 53 54 66 Exposed to Risk 87 58 59 60 61 9,600 8,800 9,900 9,700 9,900| 10,300 10,100 9,200 10,100 10,200 11,200 11,000 11,400 10,700 11,300 10,000 10,900 8,800 10,100 11,200| 64 65 Totals $882,700 644,800 699,000 580,000 538,900 603,700 488,100 424,900 364,400 273,900 302,800 163,700 86,000 47,900 25,500 $57,45430 Actual Deaths $7,000 9,100 10,000 12,000 12,000 8,700 9,000 19,000 12,000 13,000 5,400 2,000 7,000 4,000 $457^ Expected Deaths $11,300 9,000 10,600 9,600 9,700 9,800 9,800 9,800 9,100 7,500 9,000 6,300 8^ 3,300 2,000 1,200 $a97»700 97 MORTAUTY EXPERIENCE MY HAUTAT AMERICAN MEN •IBIDENT AT DATE OF INSURANCE IN THE STATE OF FLORIDA GEORGIA OR SOUTH CAROUNA (Qmam §) RzpBCTBD Deaths bt AM Tablb Sm Insuiiaiici Year Aqs at Exposed to Risk IS 16 IT 18 19 20 n 23 24 25 26 27 26 29 30 61 64 36 37 40 41 42 43 44 4S 46 47 48 4» nSiOOO 41,500 136,000 315,100 4081500 766>600 1^,400 1,257,400 1,383,600 1^74^ 1,826,400 1,696^ 1,797,400 1,803,100 1,968,800 2,064,800 1,835,300 2,011,200 1,876,400 1,912,900 1,925,400 1,916,500 1,629,200 1,716^ ltl60,600 1,652,400 1,551,400 1,412,500 1,315,400 1«28M60 1,078,300 1,058,500 784,300 916,900 904,500 Actual Dkaths $1,000 6,000 6,000 14,000 3,000 3,000 12,0C 11,000 14,000 6,500 21,000 8,500 8,500 7,800 6,000 14,500 12,500 18,000 10,000 26,000 1^000 9,000 11,000 8,500 1,600 6jm 3,000 7,000 7,500 11,000 7,600 Expected Deaths 1100 200 500 1,300 1,700 6,100 5,300 5,300 5,900 MOO 7,800 7,800 7,700 7,800 8,600 9,200 6300 9400 9,000 9,600 10,100 10,500 9^ 10,600 10,300 11,400 11,400 11,200 11,200 U,800 10,700 11,400 9,100 11,600 12400 Age at Entbt 50 51 52 53 54 66 56 57 58 59 60 61 62 63 64 65 SxPOfiEOtO Risk $835,900 612,200 560,500 558,500 462,400 481,500 436,600 412,900 324,500 316^00 296,900 131,000 95,300 85,000 49,400 22,500 ACTQAL Deaths $12,000 6,000 8,000 26,000 6,000 6,000 10,000 34,000 1,000 10,600 14,000 22,500 19,000 10,000 8,500 TMb 662,266,800 $481,700 112,400 9,900 9,900 1(^700 9,000 10,900 10,800 11,100 9,600 iOAoo 10,300 4,900 3,900 3,800 2,400 1,200 $408,400 MOmALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF FLORIDA IMMIIAUk OR SOUTH CABOIJIIA (Group 5) Expected Deaths by AM Table 6th and Subsequent Insurance Years Ana 20 21 22 23 24 26 26 27 28 29 30 31 32 33 84 35 36 37 38 40 41 42 48 44 45 46 47 48 50 51 62 54 m G8 59 TO $8,000 38,500 152,000 400,600 683,100 1,334,700 2,275,500 3,185,800 4,153,600 5418,600 6,406,300 7,500,700 8,593,100 9,727,800 10,947,700 12,077,500 12,982,900 13,987,000 14,948,600 15,788,900 16,557,000 17,049,500 17,367,500 17,017,900 17,985,200 17,961,500 17,991,800 17,845^ 17^70,700 17,114,900 16,802,900 16,464,000 16,064,100 15,457,300 14,652,900 14,122,800 18,069,900 11,965,600 11,328,900 10,672,500 ACTCTAL $1,000 6,000 2,000 4,000 16,000 13,000 16,000 28,000 30,500 56,200 81,200 58,000 88,000 94,700 77,800 73,000 108,000 105,600 145,000 157,200 129,300 129,700 120,500 134,500 213,600 186,500 199,600 294,300 293,800 227,800 277,800 285,900 216,000 339,100 499,600 259,400 253,900 305,800 $200 600 1,700 2,900 5,700 9,900 14,000 18,300 22,600 28,600 33,600 38,800 44,700 51,200 57,700 64,100 71,600 79,500 87,600 96,700 105,000 113,600 122,800 188,400 142,600 153,300 168,800 172,800 183,100 194,600 206,400 218,800 228,400 235,600 246,700 248^ 247,600 255,000 261,400 At- TAISED Agb 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 88 84 85 86 87 89 90 91 92 94 95 TO $9316,300 9,161,000 8,528,100 8,102,600 7,511,400 7,054,900 6,296,400 5,588,900 4,980,300 4,388,600 3,735,000 3,177,200 2,653,600 2,233,900 1,965,500 1,650,600 1,368,000 1,097,500 833,800 717,700 617,000 472,100 374,100 277,500 199,500 168,000 109,000 86,000 64,000 82,000 24,000 17,000 8,000 5,000 5,000 5,000 $589,102,700 Actual $855,400 299,300 280,100 340,200 273,400 343,300 338,600 261,100 405,400 272^00 379,600 222,800 224,000 135,700 208,800 170,300 186,800 212,500 86,600 79,000 137,400 59,500 39,100 28,000 17,000 30,000 19,000 22,000 80,000 5,000 2,000 9/)00 3,000 5,000 $10,944,100 $261,900 265,900 269,300 278,500 280,800 286,900 278,200 268,400 259,800 245,800 229,600 211,900 191,900 175,100 168,600 151,800 136,100 118,200 97,000 90,200 83,800 69,100 59,100 47,200 33,100 23,100 19,500 15,600 8,400 6,800 5,100 2,600 1,700 1,800 1,900 90 mrnxum expsrience by habitat AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OP ALAItMiA ARKANSAS, LOUISIANA OR MUBiSSlPPI (Group 6) , Expected Deaths by AM Table ^ 1st Insurance Year Exposed to Risk $152,600 ' 452,000 737,100 1,523,800 2,014^ 2,829^ 4,251400 4,376,500 4,894,100 4.866^ 5,198,500 5A68»200 5,199,900 5,306,100 5,228,900 5,287,900 4,927,800 5^,100 4,883,800 4,678,000 4,426,300 3,913^00 4414709 3,842,700 3,287,500 3,309,100 2,783,700 2»75gii600 2,174,000 1,861,300 1,728,300 1,466^ Actual Dkaths • • • $1,500 15,000 12,000 11,000 16,500 15,500 25,000 22,000 24,700 9,000 28,000 8,500 30,500 32,000 14,000 24,000 19,000 4^000 6,000 12,000 32,500 14,000 28^ 26,000 13,000 19,000 36,000 sm 22,000 7,000 15,000 13,500 2ojm expkcted Deaths $400 1,100 1,900 4,000 MOO 7,700 11,800 12,400 14,000 14,200 15,200 154900 15,500 15,800 16,700 15,900 14,800 18^700 15,100 15,500 15,400 15,100 14,700 18»600 14,700 14,300 12,800 13,500 12,000 12J00 12,900 11,200 10,200 10,100 9,200 A gB AT 50 51 52 58 64 55 56 57 58 59 <0 61 62 63 64 66 Tolds $1,526,300 1,242,500 1,182,800 1,028,700 810,200 802,800 600,300 405,400 869,800 819,900 208,100 246,500 126,700 115,500 59,600 40,000 $184,519,800 $15,000 48,800 15,000 14,600 Turn 18,000 13,000 1,000, SjOOO 1.000 1761,200 Exraoia* Dmam 9400 9300 8,700 7,600 8,000 6,500 ^700 . 4»700 4»700 3,000 4,000 2,200 gaoft 1,200 900 $506,400 100 MORTAUTY EXPERIENCE BY HABITAT AliRRICAN IffiN RESIDBNT AT DATE OP INSURANCE IN THE STATE OP ALABAMA ARKANSAS, LOUISIANA OR MISSISSIPPI (Group 0) BjLWiiP BaiaMi »r AM Tarm 2d ImuRAMCB Year ExPOfiEO TO $80,500 444,800 795,800 1,125,900 1,517,900 2,279,600 ^282,700 2,730,100 2,723,600 2,931,400 3,014,500 8,097,100 8488,000 8,246,200 3,278,200 3,173,500 3,213,200 3,242,200 8402,700 8,283,200 3,189,500 2,890,600 2,424,200 ^766400 2481,800 2,190,800 2,169,000 1,928,400 1,858^ 1,748,100 1,860,900 1,190,800 1,183,600 1,016,700 Actual $1/ 5,( 2,( 8,000 18,800 4,600 8,000 15,000 11,200 16,000 22,500 22,600 15,000 20,000 17,000 8,000 22,000 27,600 20,000 15,500 16,000 18,000 l&OOO S4,M0 13,000 29,500 9,000 13,000 16,700 U400 6,000 5,000 8,000 EZPBCTBD $800 1,100 I, 500 2,700 4,000 5,400 8,800 8,600 10,800 10,300 11,300 11,600 12,000 12,400 12,700 12,900 12,600 12,900 13,300 18,000 14,100 14,100 13,200 II, 500 18,700 12,900 11,900 12,500 11,700 1?,000 12,100 10,000 9,400 9,600 9,200 Ags at 50 61 52 53 54 55 56 67 58 59 60 61 62 64 65 Totals EZPOSBD TO ^,040,900 896,200 880,300 756,900 553,900 620,500 494,000 880,200 268,000 228,300 176,800 195,700 125,600 106,600 46,600 35,100 $84,179,500 Actual $19,000 24,000 2,000 12,700 28,000 4,000 17,000 9jm 6,000 1,000 2,000 2,000 5,000 2,000 2,000 3,000 $618,900 Expected Dbatu $10,200 9,600 9,600 9,300 7,400 9,000 7,700 84m 4,900 4,600 3,800 4,600 8,200 8^ 1,400 1,100 $450,700 101 MORTAUTY EXKIIIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STAl* OP ALMAMA ASKAiaAS.LQIIiaiANAtmMnSiSSIPPI ( Group 6 ) Expected Deaths by AM TaHiB 3o Insuranck Ykar Age ai r Expoonvo Actual » Am A iV SSNWBITO Actual RxPEPTKn KI8K Umamm Bmam Dbath8 15 $65,50< } . , $20( ) 50 $934,30 86J0 HOuTVMI 16 246,00< ) . . 90( ) 51 828,50 17J8 D IOlMI 17 371,80( ) . . 1^ ) i2 Tim ftfi 1 M nlNl 18 675,80( ) |2,00( ) s^m > 6S 878,20 6.00i ) 9 800 li ii8i^ y *fim > MM > M 488,90 300( ) 7 ^ •,OUU so 1,243,90( ) 9,50( > 4,700 ) 55 554,50( [) 16,00( ) 9,500 21 ) 9,00( I 56 460,00( i) 1,00< ) MOO 22 1,941,10(] > 6,50C > 7,60C > 57 351,00< ) 4J8I 1 71011 23 2,303,60(] 1 9,50(] ► 9,100 > 88 868,001 \ 2.001 \ 6 700 24 » 28^001] \ %200 248,50( ) 3.00( 1 5 800 2S ^ 18,000 80 186,70( ) 4,00( > 4,800 M 2flMnn 18,000 in piAA 1U,0UU 61 188,70( ) 8,00C 1 5,300 ^ 2,647,800 13,000 10,800 62 94,10C > . . . 2ifi00 28 2,733,300 19,000 11,100 63 108,60C 1 • • • u . . * AjUIO 2p86M00 8,000 11,700 84 4M8fl 1 • • • M 1.000 1 1 800 86 8840Q M 1 • • • 1 300 aa 2,7^800 8,000 11400 n 2.742.8011 22,000 11,4UU Totals $72,686,50€ 1624,388 I4U.4M 12 2,718,600 6,500 11,500 it 2,653,900 15,600 11,500 34 2,637.900 1,000 U,700 35 2,842,300 11,400 18,000 M 2388^700 18,000 18,800 2,474^ 10,000 12,200 as 2,151^ 26,500 11,100 88 2,394,000 21,400 13,000 40 2,117,600 21,000 12,100 41 1,877,600 26,400 11,800 42 1^,500 8,800 11,800 48 1,888,400 6,000 11,400 44 1,817,400 97,600 11,800 45 1,558,400 14,500 12,200 46 1,226,700 49,000 10,300 47 1,067,700 15,000 8,700 48 1,028,000 21,000 10,008 48 884,800 12,800 10,100 102 MORTAUTY EXPERIENCE BY HABITAT AlfratlCAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ALABAMA ARKANSAS, LOUISIANA OR MISSISSIPPI (Qmm 8) EzFUCTBD Dbathb bt AM Table 4iii Inwrancb Year Exposed to Risk $44,500 182,500 303,300 558,300 776,900 1,018,200 1,624,100 1,667,500 1,994,400 2,055,500 2,247,100 2340,800 2,352,800 2,360,200 2,519,000 2,483,500 2,409,600 2,880,400 2,280,400 2,283,500 2,507,800 2,527,300 2,202,700 1381,400 2,131,800 1,900,800 1,719,700 1,540,200 1364300 1388,400 1,473,400 1,053,300 984,400 1,020,200 880400 Actual Dkaths $1,000 1,000 3,000 • • • 8,000 11,000 10,000 7,000 6,500 13,000 10,000 10,000 4,000 9,000 4,000 10,000 6,000 8300 12,000 16,500 12,000 10,000 18300 6,300 34,000 7,000 9,000 9,000 1300 13,000 14,000 4,000 14,000 2300 Expected Deaths 1200 700 1,100 2,100 8300 4300 6,500 6,800 8,100 8300 9300 8,700 9,700 9,800 10,500 10,500 10300 10,400 10300 10,600 12,000 12,700 11,600 10,400 12,400 11,700 11,300 10,800 11,700 11300 12,800 9,900 9,900 11,200 10^ Age at Entbt 50 51 52 53 64 66 66 57 58 59 60 81 82 63 64 65 Totek Exposed TO Risk $872,600 676,100 660,500 606,400 479300 672,400 445,400 361,900 264,100 247,500 186300 176300 85,100 72,500 37,600 32400 864388,188 Actual Deaths $21,500 • • • 12,000 9,900 6^000 48300 12,000 7,500 5,000 2300 2300 8,000 10,000 2,000 Expected Deaths $11,200 9,400 10,000 10,000 8300 11300 9,400 8,400 6,600 6300 4300 6,700 3,000 2,800 1,600 1,400 8422388 108 MORTAUTY fiXPKMSNCB BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ALABAMA ARKANSAS, LOUISIANA OR iilSSISSim (Omom 6) Expected Deaths by AM Table 5th Insurance Year Exposed to I Actual ExnKWBl > AOE A 1 Dkathb Deaths Entbi 16 |29,50( 1 * * HOC ) 50 - $827,801 $13,20( 3 812 300 16 134,50( ) $1,00( ) 50C > 51 589,60i 3 17.00< } 9 500 17 225,30( ) 4,50( ) 90C > 52 ) 11 AAA 18 409,30( ) . . . 1,60C 1 53 694.10( ^ 2M0t ) iidim 19 6K»40( ) ijm i 2.70(1 i 64 418^ ) ».60( ) 8 700 2D 888,7W ^\ • • • 8,600 ^ 66 486,90( ) 11,100 81 IJMRJMi M 8,00C f 0,«>UU Ob 426,60( 10,600 22 1,403,400 M 4,00C > 5,900 57 342,10( ) 14,00{ 9.200 29 1,684,70C ► 8,000 1 7,100 58 257,30( » 5,00C 7.500 24 1.790.600 » 7.600 69 2I2»S0( » 1%0M 1 7.200 25 2,007,200 KB 8.600 80 188,40C ^ 6,800 26 2,099300 17,000 61 154,90C > . . . 5,800 87 1 2.fMfl Rfin 5,600 Q AAA 79,10C ► . . . 3,200 22 2,175,200 9,000 9,400 63 44,500 > 1.000 2 000 29 2,222,500 13,000 9,700 64 33,600 *J, v/v/v/ 1600 65 87A00 7.000 2.000 30 2,223,100 11,000 9,900 31 2 154 400 11,000 Q I2AA iOClll Awp 1498^188 S425,0M 32 2,046,200 8,000 2|0OO 28 2jmjm 26»800 10,000 2i 2,066,300 8,500 10,300 35 2,274,100 35,600 11,900 36 2,205,500 18,500 12,100 87 1 2 002 200 15,500 11,0W as 1,722,500 10,000 10400 at 40 IfMMM 1,674,400 8.000 14,000 1^600 11,500 41 1,639,600 23,900 12,100 42 1,381,600 25,500 10,900 48 1,433,900 12,200 41 lj2Wt80ft iMOO 1,324,800 8,000 13,100 48 988,900 12,000 10,600 47 907,000 10,000 10,600 48 938,000 21,300 11,800 49 864^ 5jm U.900 MORTAUTY EXPERIENCE BY HABITAT AMmCAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ALABAMA ARKANSAS. LOUISIANA OR MISSISSIPPI ( 69 222,60 5,300 1 1 AfiT r 26,50( ^ ^^^^ a_ _ _ > 32,50C > 60 256,20 6,00( ^ 8,800 103»1,20( ^ 23,50( > 32.100 ► 61 107 orw l> 15,00( 3 8,200 27 9fi 10,532,70C > 14,00( ) 31,400 62 90,30( D 4^ » 1,600 1 A CI O OA/1 iu,5iy,z0i > 20,50( ) 31,300 63 50,004 » 900 Si 1 A A>l C TAA > 14,00C 1 20,000 64 81.70( ) 700 66 42^ )| 1 AAA in OCA >IAA 20,500 ^ 20,900 31 8,707^ 21,000 ^ 22,200 Totab 32 2^400 21,000 26,000 fi OQT AAA 4,000 25,400 24 Q OQC OAA 29,000 25,600 1 35 7 QOQ CAA 34,700 24,700 j 36 7,398,000 13,000 22,900 37 6,670^ 17,100 22,200 38 9,000 22,700 « 6,132,300 11,500 21,900 6,026,600 14,000 22,400 a 5,156,500 21,500 20,000 42 4,587,600 12,700 43 4^600 7,000 12300 44 40,500 18,200 • 46 3,764,900 4,600 18,200 46 3,290,100 16,000 16,900 47 2,570,900 20,000 14,100 48 2,527,800 3,000 14,200 4» 2,26MM 12,000 14^ 1 166 MORTAUTY EXPERIENCE RY iURlTAT AMKRIGANMEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF IOWA, KANSAS MINNESOTA, NEBRASKA, NORTH DAKOTA OR SOUTH DAKOTA ExFBCfSD Dbaths bt AM Table Age at Entbt 16 16 17 18 19 21 22 28 24 25 27 28 29 30 31 24 35 36 37 28 29 40 41 42 43 44 45 46 47 48 49 Exposed to $187,000 581,500 1,112,900 2,099,100 3,017^ 3,908,200 5,826,700 6,011,700 6,121,500 6,450,200 6,519,800 6,672^200 6,507,300 6,633,000 6,499,300 6,615,100 5,823,000 5,908,100 6,708,800 5,669,900 5,333,500 5,097,700 4,732,300 4,726^ 4,517,700 4,406,600 3,898,700 3,488,400 3,224,400 2,916,200 2,796,700 2,481,100 2,005,200 1,888,000 1,661,500 Actual Deaths $2,500 2,000 3,000 5,500 20,700 10,000 7,000 17,000 35,000 10,000 11,000 19,000 20,500 7,000 18,500 14,500 21,500 4,000 30,< 13; 5,000 24,000 4,000 7,000 17,000 6,000 22,500 3,000 32,700 16,000 6,500 6,000 5,000 23,000 UsOOO Expected Deaths $600 1,900 3,800 7,200 10,600 14,000 19,500 22,400 23,000 24^ 26^000 26,400 25,300 25,900 25,500 26,000 22400 28,700 23,400 23,700 22,900 22,500 21,600 22,400 22,300 22,900 21,200 20,100 19,600 18,900 19,300 18,300 15,800 16,000 16,000 Age at Entry 50 51 52 53 54 55 56 57 58 59 61 62 63 64 65 Toteb Exposed Risk $1,525,900 1,025,000 1,083,800 763,200 694400 628,100 647,100 408,900 291,700 328,400 218,900 118,700 90,100 59,500 43,700 51,500 liSi,2iMoo Actual Deaths Expected Deaths $45,000 18,000 3,000 7,000 22^ 1,000 2,000 3,000 • • • 7,000 2,000 4,000 2,000 1,000 2,500 $583,9N $15,000 10,800 12,400 9,400 7jm 9,100 10,100 6,900 5,400 %600 4,600 2,800 2,300 1,700 1,300 1,700 I78MM MOmrAUTY EXPERIENCE BY HABITAT AMERICAN MEN aiSIDENT AT DATE OF IliSimANCE IN THE STATE OF WKK KANSAS MINIiiSOTAt NEBRASKA, NCMmi DAKOTA OR SOUTH DAKOTA (Gboup 7) Eij «uw M» Dmaimi »r AM Ta»m» 3d Insurancb Year TO $137,500 433,400 865»e00 ijmjM 2^12,400 3,028,500 4,191,600 4,767,900 4,932,700 5,421,100 5,455,100 5,334,100 5,478,700 4,994,400 5,187,800 4,960,700 4,793,000 4,789;^ 4,687,600 4,357,500 4,360,400 4,138,000 4,126,400 3,391,600 8485,200 %822^ 2,689,200 2,462,900 2,419,200 1,810,800 1,612,700 1,661,800 18,000 8,500 6,000 7,800 7,000 25,000 19,000 14,600 16,000 9,000 4,000 23,500 17,500 10,000 15,000 15,500 24,000 9,000 12,200 14,000 7,000 15,500 9,000 9,500 12,000 6,600 17,500 5,000 18,400 24,500 22,000 7,500 86,100 $500 1,500 8400 5,900 8,600 11,500 16,200 18,600 18,500 98,900 21,800 22,100 21,700 22,300 28,000 22,900 20,800 22,000 21,400 21,900 21,900 21,500 22,500 22,400 23,500 20,500 20400 19^ 19,700 19,300 20,300 16,400 U^700 17,400 AOB AT 50 51 54 55 56 57 58 60 61 62 63 64 65 Totals EZFOSBOTO $1,410,300 1,014,700 994,100 762,200 613,200 562,600 581,000 447,100 806,800 279,900 250,200 128,400 102,900 78,200 68,100 61,500 $136,443,200 ACTUAIi $21,000 4,000 8,000 12,000 4,000 6,000 1,000 8^ 8^ 8,000 2,600 7,200 11,000 1,000 $528,800 $16,100 12JBM 18300 11,100 9,700 9,600 10,800 9,000 6^700 6^700 6,500 3,600 8,200 2,500 2,800 2,400 $753,900 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF IOWA, KANSAS MINNESOTA, NEBRASKA, NORTH DAKOTA OR SOUTH DAKOTA ( Group 7 ) Expected Deaths by AM Table 4th Insurance Year AS 15 16 17 18 19 20 21 22 28 24 25 26 27 28 29 81 32 83 34 35 87 38 39 40 41 42 48 44 45 46 47 48 48 TO $111,000 888,900 678,000 1397,600 1,816,200 2,409,000 3,411,100 3,760,300 4,007,000 4367,000 4,597,600 4,650,300 4,680,000 4,666,500 4386,700 4398,600 4,381,000 4,489,700 4,370,500 4346,000 4332,800 4468300 8,784,300 3,876,000 3,747,900 3,830,300 3,031,600 2368300 2,544300 2,406,100 2,125,600 2,131,600 1,571,100 1,482,700 1482*900 Actual $4,000 4,000 27,000 6,500 9,400 9,000 15,000 19,000 12,000 26,500 5,000 12,300 18300 80,000 7,000 15,600 16,500 11,500 4,000 87400 10,500 87,000 9,000 17,300 26,000 10300 8,500 4,000 20,500 33,000 11,000 8,000 102,000 $400 1,200 2,500 5,000 7,100 9,500 13,700 15,300 16,400 17300 18,900 19,200 19,400 19,300 20,400 20,800 18,800 19,700 19,700 19,700 20300 20,900 19,600 21,300 21,800 23,600 19,900 20300 19,100 19,400 18,400 19,900 15,900 15,700 16,800 Age at 50 51 52 58 64 55 56 57 58 68 60 61 62 63 64 65 Totals BXNHDfO $1,251,300 889,200 933,500 672,700 588300 546,400 604,500 431,100 280,300 215300 247,000 140,400 94,400 78,300 71,400 86300 $118,233,900 Actual Di $14,500 5,000 7,700 5,000 5300 3,500 2,000 7,000 5,500 15,400 2,000 2,000 2,000 4300 $674,800 Dbathb $16,100 12,400 14,100 U400 9300 10,700 12,800 10,000 7,100 ^300 7300 4,500 3,300 3,000 3,000 8,900 m 100 MORTALITY EXPERIENCE BY HABITAT AMERICAN M£N "^^*S£!2l^^ ™ ^^WA, KANSAS MiNNESOTA, NBMASKAt IWIITH DAKOTA OR SOUTH DAKOTA ExpECCTD Da4!nii mr Ail Tim 5th Insurance Year Age at fl.'v ExPOaBDTO Actual r Exposed to £mtbt Dbaimi Deaths I! 21,30( ) 11,700 56 589,90( ) * 2,8M ) 18J99 22 3,152,40C > 15,00€ 1 13,300 57 868iNX 1 11 AAI 1 Q l*AA 23 3,402,00C ^ 8,00C ^ 14^ 1 58 262.49( " M,um. U 8,772490 ^ 19,9011 » 19,100 59 183 90C I 7 ftftf ' • ,UvV \ QAA 25 4,018,100 > 7,000 » 17,200 60 226,50C > 7,00C > 7,900 A (\A(\ CU\t\ 1 O AATI 17,300 61 103,900 5,00C 1 8,999 27 4,187,500 14,500 18,000 62 89.40C 1A AAA 28 4,115,600 13,000 17,800 68 81.201] «,uuu 112,900 19,400 94 76.400 ' . . . Q '7AA Of 65 88 300 • . • A tt£\t\ 4,0UU m 4,392,600 12,000 19,500 12,000 17,900 Totals 1486190 t714|lM 4,096,000 9,000 19,100 3,981,500 13,300 19,200 M 8,858^ 4,000 19,800 85 8^1^ 22,000 20,700 86 8,859^ 19,000 21,100 87 3,518,900 22,000 20,300 38 3,537,500 28,500 21,600 39 3^,600 17,500 22,800 40 3,579,000 18,000 24,700 41 2,748^ 18,000 20,800 42 2,021,900 17,000 20,800 48 2,421,000 10,500 20,600 44 2^16,600 14,500 20,400 45 1,987,800 8,400 19,700 46 1,958,700 24,700 21,900 47 W8^ 18J99 17,790 48 92,900 19,000 * 40 i;249^ 13,500 17,100 119 MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF IOWA, KANSAS MINNESOTA, NEBRASKA, NORTH DAKOTA OR SOUTH DAKOTA (Gkwif 7) Expected Deaths bt AM Table 6th and Subsequent Insurance Years Exposed to Risk $78,000 294,900 679,400 1,518,200 2,542,700 3,856,400 6,726,200 7,681,300 9,708,000 11,979,999 14,229,500 16,366,600 18,582,800 20,998,499 23,289,600 25,518,300 27,865,800 29475,900 31,564,400 33,317,800 35,248,200 86,761,299 37,807,400 38,862,100 39,619,700 40,059,300 39,567,100 39,097,600 38,567,900 87,704,800 36,708,800 35,803,900 34,250,700 32,345,300 89^,009 28,655,800 26,497,400 24,814,200 28,968^600 21,858^ Actual Deaths $4,000 7,500 20,000 22,000 39,000 34,500 48,500 38,500 59,500 60,500 128,000 115,500 121,000 98,200 128,900 128,000 126,200 181,500 184,000 183,500 244,800 299,200 258,900 268,800 240,100 298,100 841,000 362,200 415,800 494,500 420,600 287,700 493,800 458,100 350,700 457,700 468,200 expbctbd Deaths $300 1,200 2,800 6,400 10,800 16,600 24,900 33,700 42,800 58,100 63,400 73,300 88,800 96,100 109,000 122,000 185,200 150,900 167,900 185,200 295300 226,400 247,300 269,700 294,000 318,100 337,100 358,900 381,400 408,400 425,100 449,000 466,500 478,100 487,800 500,600 504,000 518,400 519,800 535,300 At- tained Age 60 61 62 63 64 65 66 67 68 70 71 72 78 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 98 94 95 96 97 Totab Exposed to Risk $20,185,900 18,717,300 17,339,700 16,312,000 15,157,700 13,901,400 12,679,600 11,635,100 19,788,100 9,969,200 8,980,400 8,018,500 6,908,899 5,997399 5,331,900 4,757,000 4,120,109 8,624,600 3,080,500 2,469,300 1,454,000 1,131,500 850,200 588,700 453,600 321,100 189,800 125,700 78,200 47,000 31,500 20,500 16,500 14399 9,500 5,500 2,000 11,169,464,000 Actual Deaths $493,300 450,200 431,600 475,200 524300 640,200 423,500 502,500 518,000 536,900 580,300 543,600 542300 481,800 415,900 847,600 806,700 851,000 402,100 382,600 284,000 201,600 182,400 117,500 72,700 100,500 105,500 56,100 33,500 16,000 12,500 8,000 • • • 2,000 5399 4,000 3,500 2,999 $18,327,200 Expected Deatbb $538,600 543,400 547,600 560,600 566,609 565,200 560,200 558,800 560,100 564,799 552,000 534,800 499309 479,209 452,800 487300 410,999 890,200 358,300 310,400 254,500 212,900 178,600 144,600 107300 89,400 68,000 43,100 30,700 19300 13,200 9,400 6,600 5,609 5396 3,700 2300 999 $20,477,500 lU MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE QF INSURANCE IN THE STATE OF OKIAHOIIA OR TEXAS (GboupS) ExpEcnm Deaths by AM Table 1st Insurance Year ExPOSBDfO Risk 170,500 253,800 504,400 1,271,800 1,962,600 2,720,800 4,410,000 4,830,200 5,135,700 M8d400 5,665,000 5,729,700 5,731,100 5,787,100 ^480^00 5,995,200 M68,900 5,920,000 6,105,700 5,621,500 5,473,700 5449,600 4,994,600 4,763,400 4,559,900 4,270,100 3,866,200 3,810,500 8477300 3,099,800 3,046,600 2,727,400 2,246,800 1,812,000 1,648,500 Actual $1,000 1,000 ijm 7,000 11,500 13,000 13,000 28^500 21,000 20,500 25,000 27,000 20,000 1^,500 14,000 12,000 15,000 33,500 17,000 16,500 9,000 32,000 16,500 10,000 9,000 9,000 5,000 24,500 38,000 3,000 9,500 20,500 11,000 $200 600 1,300 3,300 5,200 7,400 12,300 13,700 14,700 lihSOO 16,600 16,900 17,100 17,200 16,400 18^000 16^ 17,900 18,700 17,500 17,300 16,600 16,600 16,400 16,300 15,800 15,000 15,600 18,700 14400 14,700 14,000 12,300 10,700 9,700 Aoi! AT 50 51 52 58 64 55 56 57 58 60 61 62 63 64 66 Totab TO H $1,580,100 1,330,000 1,840^ 1,049,100 877,200 697,600 522,800 400,000 385,200 242,400 292,300 55,000 65,000 74,000 88,000 114^,489,700 ACTOAL $20,000 13,000 9,200 8,000 5,000 6,000 5,000 23,000 12,500 •JSM 2,000 • • • 2,000 $618,200 $10,700 9,700 9,800 8,900 8,100 6,900 5,600 4,700 4,900 8300 4,400 900 1,100 1,400 800 800 $547,500 112 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF OKLAHOMA OR TEXAS (Group 8) Expected Deaths by AM Table 2d Insurance Year 45 46 47 48 49 to $45,500 171,300 247,500 026300 905,000 1,202,400 2,110,100 2,190,300 2,457,800 2^468,800 2,760,500 2,867,800 2,883,300 2,997,100 2,868,500 8,248,200 3,091,000 3,428,500 3,444,600 8^46,800 8,072,800 2,666,600 2,880,400 2,743,800 2,649,400 2,420,500 2478,000 2,198,400 1,782,600 1,703,300 1,683,700 1,525,900 1,290,200 1,002300 9M,eoo Actual $2,000 1,000 6,000 1,000 1,000 25,000 3,500 18,000 18,000 10,000 8,000 16,000 13,500 18^ 28,500 1,000 39,000 25,500 7,000 11,000 9,000 22,000 28,500 24,500 6,500 9,000 19300 36,600 8,000 13,000 71,200 8,000 20300 7,000 $200 600 800 2300 3,200 4,300 7,700 8,100 9,200 8,400 10,600 11,100 11,200 11,700 U300 12,700 12,300 13,800 14,100 18300 18300 11,700 13,100 13,000 13A00 12,600 11,900 12,600 10,900 11,000 11,600 11,200 10,200 8300 8,500 Aqb at TO 50 51 52 68 64 55 56 57 58 69 60 61 62 63 64 65 Totals 1974,500 775,900 770,500 578300 640,700 407,600 365,400 258,100 230,000 189300 217,800 62,000 62,500 59,000 41,000 6,000 |79,401,4it Actual $2,000 6,000 6,000 8,000 11300 2,000 4,000 2,000 6300 2,500 • • • • • • 1^ $57S,3M Deaths $9,500 8,200 8,800 7,100 7300 5,900 5,700 4,400 4,300 8300 4,700 1,500 1,600 1,600 1,200 lis MORTAUTY EXPfiRlENCE BY HABITAT AMERICAN MEN RE31PPIT AT DATE OF INSURANCE IN THE STATE OF OKLAHOMA OR TEXAS (GboupS) Expsom DsATHB BT AM Table 3d Insurance Year Age at Entbt 15 16 17 18 Id 21 22 23 U 25 26 27 28 29 30 31 82 83 34 35 36 37 88 89 40 41 42 43 45 46 47 48 49 Exposed to Risk $25,500 147,300 170,500 448,300 mjm 882,400 1,614,200 1,631,100 1,862,300 1»958^ 2,07^000 2,266^ 2^,500 2,407,900 2^,400 2,673,000 2,433,700 2,793,800 2,855,000 2,446,300 2,373,800 2,172,800 2,173,400 2,198,500 2,040,900 2,013,200 1,784,900 1,828,300 1,408,100 1^7,600 1,336,200 1,216,000 1,048,900 853,500 766^ Actual Deaths $3,000 1,000 2,000 4,000 14,000 10,500 2^ MOO 10,000 3,000 10,000 6,000 16,300 32,000 6,000 26,000 24,000 29,000 « • • 8^ 11,000 12,000 17,000 7,000 10,000 20,000 22,500 19,000 13,000 1%000 Expected Deaths $100 500 600 1,600 3,400 6,200 6,400 7,400 7,800 8400 9,200 9,100 9,800 9,200 11,000 10400 11300 12,300 10,800 10,800 10,300 10,700 11,800 11,100 11,500 10,800 11,700 9,600 10,400 10,500 10,200 9,500 8,300 8400 Age at Entbt 50 51 52 53 64 55 56 57 58 59 to 61 62 63 64 65 Tolab $875,200 679,400 684,800 463,600 882,800 368,100 262,400 259,700 213,500 144^ 190,000 54,000 70,000 58,000 45,000 4,500 $10,500 1,000 12,000 1,000 1^ 2,000 15,000 19,000 7,500 2,000 2,500 1,000 • • • 8434,366 $10,000 8,400 9,200 6,700 6,000 6,300 4,900 5,300 4,700 8,600 4,900 1,500 2,100 1,900 1,600 200 8876,266 114 IIORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN BfiSIDENT AT DATE OF INSURANCE IN THE STATE OF OKLAHOMA OR TEXAS (Gboup 8) Expected Deaths bt AM Table 4th Insurance Year AOBAT 15 16 17 18 19 20 21 22 23 24 26 27 28 29 80 31 32 33 34 35 87 38 39 40 41 42 48 44 45 46 47 48 49 TO Actual $21,500 106,300 108,500 827|800 482,600 700,900 1,295,600 1,264,100 1,423,800 1,696^700 1,721,300 1,781,100 1,789,700 1,859,200 1,880,200 2,281,200 1,958,300 2,285,100 2,372,300 1,997,900 2,028,900 1,881,600 1,831,600 1,868,500 1,703,100 1,734,000 1,455,400 1,478^ 1,125,500 1,166,100 1,080,200 974,700 910,400 669,600 727,900 ExpacTED Deai 64.000 6,000 6,000 8,000 2,000 16,000 9,000 7,000 19,000 9,000 16,000 17,000 21,000 10,000 10,000 7,000 15,500 7,000 16,000 V 23,500 5,500 1,000 3,000 6,500 4,000 7,000 5,000 7,600 8,000 Age at Entry $100 400 400 1,200 1,900 2,800 5,200 5,100 5,800 fijfiOO 7,100 7,400 7,400 7,700 7,800 9,600 8,400 10,000 10,700 9,300 9,700 9,400 9,600 10,300 9,900 10,700 9,600 10^ 8,400 9,400 9,400 9,100 9,200 7,300 8,600 50 51 52 53 64 55 56 57 58 59 60 61 62 63 64 65 Totab Reposed to Risk $747,100 566,800 533,800 389,800 320,300 1,500 202,000 222,200 174,000 104,400 177,600 46,500 60,000 62,000 42,000 5,500 661^1,166 Actual Deaths $3,000 3,500 1,000 4,000 3p000 7,000 6,000 1,000 7,000 6,000 • ■ 2,000 6387,666 Expected Deaths $9,600 7,900 8,100 6,400 6,800 6,000 4,860 5,100 4,400 2,900 6JM 1,500 2,100 2,400 1,700 200 U29>66 115 I, MORTAUTY EXPERIENCE BY HAMTAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF OKLAHOMA OR TEXAS (Gmup 8) Expected Deaths by AM Table Age at Emtbt 15 16 17 18 19 20 21 22 23 24 25 27 28 29 30 91 34 35 36 S7 39 40 41 42 43 44 45 46 47 48 49 5th Insurance Year expcnsed to Risk $18,500 64,300 86,500 251,300 356^ 552,400 1,041,600 1,021,600 1,161,800 1^700 l^OC 1,533,700 1,479,000 1,539,200 1^^ 1,967,400 1^,600 2,000,100 2,017,400 1,752,000 1,673,700 1,657,500 1,606,400 1,584,500 1,462,500 1,442,900 1,236,300 1,248,500 948,000 1,004,300 915,000 880,800 807,100 639,000 68M00 Actual Deaths 1,000 3,500 • • • 11,500 6,000 17,500 5,000 5,500 2,000 10,000 85,000 10,000 9,000 11,000 6,500 8,000 12,000 4,500 9,000 12,500 10,500 5,000 16,000 12,000 18,300 4,000 41,000 2,000 ^600 Dbatu 1100 200 300 1,000 1,800 2,300 4,400 4,300 4,900 5,500 5,900 6,600 6,300 6,600 6,800 8300 7,000 9,400 9,700 8,800 8,700 9400 9300 9,700 9,500 9,900 9,100 9300 8,100 9300 9,100 9,400 9,400 8400 8,700 AOBA* 50 51 52 58 M 55 56 57 58 ISO 60 61 62 63 64 65 Totals $621,800 490,400 492,300 882300 273,000 278,00(f 187,500 210,400 158,000 9M00 168,500 44,000 55,000 58,000 45,000 8300 $43,884,400 AC TOAL $10,000 6,000 28,000 «300 19,000 6,000 20,000 11,000 2,000 2,0c • • 7,000 8,000 • • • 1300 $9,200 7,900 8,700 6,400 6,700 6,300 4,600 6,700 4,600 S400 5,800 1,700 2,300 2,600 2300 200 $417,300 $314,600 U6 MORTALITY EXPERIDKX BY HABHAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF OKLAHOMA ORTOCAS ( Group 8 ) Expected Deaths by AM Table 54 6rH AND Subsequent Insurance Years EzRMBDtO 67 68 $11,500 63,800 117300 280300 ;,800 834,400 1302300 1,94M00 2,455,300 3,153,200 8,720300 4384,600 4,988,100 5,675,700 6,186,400 7,108,000 7,568,800 8,320,600 8,977,000 9,425300 9,771,500 10,028,900 10,340,900 10,359,000 10394,700 10,230,900 10,122,100 9,967,600 9382,900 9,670,900 9,457,500 9,386,800 9486,600 8,754,700 8,203,600 7,682,700 7466300 6,618,700 6,145,700 5,773,300 Actual DsAns $1,000 8,000 2,000 1,000 6,000 4,500 5,000 23,500 13,500 17,000 25,500 16,500 32,000 47,000 39,300 35,500 42,500 71,100 50,400 48,500 75,000 69,500 71,000 54,500 74,000 57,900 71300 97,700 117,700 140,900 188300 120300 114,500 110,000 148,900 130,000 155,100 162,100 $200 500 1300 2,200 3,600 6,500 8,500 10,800 14,000 16,600 19,600 22,500 26,000 29,000 34,000 37,400 42,600 47,800 52,400 57,100 61,800 67,600 71,900 77400 81,200 86,300 91,500 97,700 102,400 109,500 117,700 125,100 129,400 181,900 134,200 186300 137,00 138,400 141,400 At- tained Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 76 76 77 78 79 80 81 82 83 84 85 86 87 88 90 91 Totab $5,387,200 4,914,600 4,437,900 3,948,600 8,619300 3,354,600 2,838,500 2,488300 2,217,000 1,935,900 1,729,600 1,498,900 1,239,900 1,041,400 863,400 701300 670,600 438,100 362,600 250,600 198,100 143,100 98,000 81,000 42300 29,500 22,500 20,500 18,000 8,000 8,000 7,000 1300 $300,781400 Actual $139,500 146,000 168,600 180,800 128300 137,600 173,500 161,600 140300 82,400 111,500 186,000 106300 79,500 67,500 94,000 83,500 38,500 57,000 14,000 88,000 27,600 15,000 16,500 13300 2,000 2,000 2,500 10,000 • • • 1,000 6300 $4,758,100 Dbatbb $143,700 142,700 140,200 135,700 186300 136,400 125,400 119,300 116300 109,600 106300 100,000 89,700 81,600 73,300 64300 56300 47300 42,200 31,500 26300 20,900 15,500 13,800 7300 5,800 4,700 4,700 4,400 2400 2,200 2,100 300 $4379469 117 MQjiTAUTY EXPERIENCE BY HABITAT AMBBICAN MEN RESIKNT AT DATE OF INSURANCE IN THE STATE OF ARIZONA, COLORADO IDAHO, MONTANA. NEVADA, NEW MEXICO, UTAH OR WYOMING AM Tablb Iot Immuncb Ybar Age AT Exposed to Actual Expected Age AT Exposed 10 Actual Expected JBiiHnr a/£AT11o JSiMTKT KlSK Dkathb Deaths 15 $39,000 • • • noo 60 |4»i400 > 16,000 $3,400 16 146^ • • • 400 61 482,100 1,000 3,500 17 860,500 • • • 900 62 519,600 11,000 4 100 18 ^\ ^A A 619,800 $2,000 1,600 53 298,500 6.000 2,500 19 ^AA 862,500 • • • ^300 54 317400 • • • 2^ 20 1,267,200 2,000 3,500 55 • 216,600 « • • 24»0 21 1,707,500 8,000 4.700 66 lAAJSMI • • • 22 1^1^ 2,000 6,800 67 168,600 ■ • • 1,900 AA 24SI23OO 19,000 6300 68 92,000 1 1 « ■ • 1,200 AA 24 ^^—ja. y%AA 2,256,600 6,600 59 89,800 2,000 1,200 ACT 25 2,401,200 4,000 7,000 60 59,900 • • • 900 26 2,571,500 8,000 7,600 61 24 400 27 2,508,800 3,000 7,500 62 1,000 600 28 2,465,400 6,000 MHi Ak A^ 7,800 68 86,000 1,000 700 OA A AAB? AAA %425^900 6^000 7,800 64 20,500 • • • 400 66 10,000 • • • 200 OA 2,677,200 16,500 8,100 31 2,525,000 6,000 7,600 Totate $241|766 $321,566 32 2,455,200 2,000 7,400 oo 33 A C\i\ A AAA 2,294,300 3,200 7,000 OA A 01 er ne\i\ 2^316,700 ^jm 7^ w ^Mft lAA ijm OTP jnLAA. 7,900 M 2,176,100 8,000 7,000 37 1,998,700 9,000 6 700 1 \J\J 38 2,037,800 12,000 7,000 89 • 1,909;900 2,000 6,800 40 1,753,100 12,600 6,500 41 1,668,500 12,000 6,100 42 1,678,900 6,400 43 1,158,900 3,000 5,000 44 1,182,500 1,500 5,400 45 1,192,800 9,000 5,700 46 950,700 4,900 47 888^ 28,600 4,600 48 7!K2,900 10,000 4,700 49 590,700 8,000 3,700 118 MORTAUTY EXPERIENCE BY HABITAT AMKMCAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ARIZONA, COLORADO IDAHOt MONTANA, NEVADA, NEW MEXICO, UTAH OR WYOMING (Gboup 9) BzncrsD Ds^nn n AM Tablb 2d IimiBAWcB Ykak Exposed to Risk Actual Deaths $26,000 99,300 226,500 343,800 476,500 703,500 962,600 1,028,100 1,808,500 1,215,600 1,437,300 1,545,000 1,585,900 1,717,800 1,646,500 1,722,300 1,604,800 1,762,500 1,567,000 1,682,800 1,748,300 1,578,600 1,459,800 1,378,900 1,418,500 1,278,400 1,227,300 1,191,200 932,100 828,600 869,800 702,200 608,000 593,700 412,500 Expected $8,500 1,000 9,000 2,000 8,000 2,000 15,600 3,500 8,000 4,000 5,000 5,000 1,000 13,000 24,000 4,500 3,000 15,000 1,500 7,500 18,800 6,000 5,000 6,000 12,000 3,500 18,000 • • • 2,000 3,000 $100 800 800 1,200 1,700 2,500 8,500 8,800 4,900 4,600 5,500 5,900 6,200 6,700 6,100 6,800 6,400 7,100 6,400 7,000 7,500 7,000 6,700 6,500 7,000 6,600 6,700 6,800 5,700 5,400 6,000 6,200 4,800 5,000 3,800 Age at 50 51 52 53 54 55 56 57 58 59 60 61 62 68 64 65 Totals Exposed TO $869,400 896,100 413,900 298,600 221,100 186,800 120,700 118,400 86,000 96,000 54,500 21,400 29,000 37,500 22,500 10,000 $41,:H9,500 Actual Urnktm $1,000 • • • 10,000 2,000 1,000 2,000 7,000 1,000 1,000 Expected Dm $224,900 $3,600 4,200 4,700 3,700 2,900 2,800 1,900 2,000 1,600 1,900 1,200 100 800 UOO 700 400 $211,800 119 MORTAUTY EXPERIENCE BY HABITAT AUranCAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ARIZONA, COLORADO IDAHO, MONTANA, NEVADA, NEW MEXICO, UTAH OR WYOMING (GWNJP •) Expected Deaths bt AM Tabus 3d Insurance Year Age at Ehikt 16 16 17 18 » 20 21 22 28 25 26 27 28 29 SO SI S2 83 34 35 36 m S8 39 40 41 42 4S 44 46 46 47 48 4S Exposed to Risk $23,000 80,500 201,000 277,800 S76,600 5S4,500 833,000 839,600 1,103,000 1,03^00 1,286^ 1,291,800 1,340,400 1,466,700 1,393»500 1^17,700 1480,700 1,688,800 1,439,100 1,481,500 1,634,800 1,446,400 1,295,000 1,351,600 1,152,100 1,111,600 U48,000 92^,600 782,200 759,200 633,600 548,600 535,400 S84300 Actual Deaths 1,000 1,000 5,000 12,500 8,000 12,000 • • • 3,000 6,000 6,000 1^000 1,000 5,500 1,000 6,500 2,000 11,000 2,000 3, 14, 11,000 1,000 18,000 8,000 3,000 10,000 5,000 isioo Expected Deaths $100 300 700 1,000 1400 2,100 3,200 3,300 4,400 4400 5,000 5,200 5,400 6,000 5,700 6,200 6,200 6,700 6,200 6,600 7,500 6,800 6400 6,700 7,300 6,600 6,700 7400 6,800 5,800 6,000 5,300 6,000 5,200 4400 Age at Entry 50 51 52 53 64 55 56 57 58 59 60 61 62 63 64 66 Totals Exposed TO $314,300 374,500 322,900 810,100 210400 212,000 147,500 113,600 129,500 114^ 50,500 20,400 31,700 44,900 22,500 10,00 ▲olfEAL 136,947,800 $1,000 5,500 1,000 10,000 • • • 1,000 1,000 8,600 2,000 $3,600 4,600 4,800 4,600 8300 3,600 2,800 2,300 2,800 2,700 1,300 600 1,000 1,500 800 400 $206,000 $212,500 190 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ARIZONA, COLORADO IDAHO, MONTANA, NEVADA, NEW MEXICO, UTAH OR WYOMING (Group 9) Expected Deaths bt AM Table 4th Insurance Ymm AflBAT 15 16 17 18 19 20 21 22 28 24 25 26 27 28 29 30 31 32 33 84 86 37 38 89 40 41 42 43 44 45 46 47 48 49 TO $18,000 62,000 142,600 229,800 826,500 473,000 709,700 706,500 8Bi600 1,034,400 1,169,900 1,172,400 1,247,200 1,214,100 1,391,100 1,355,600 1,418,800 1,342,200 lg871,700 1,545,200 1,347,500 1,193,600 1,173,400 l;284,700 umjm 1,045,800 1,002,800 890,200 629,200 651,700 649,000 581,700 488,400 386,300 Actual $2,000 2,500 6,600 3,500 3,000 1,000 6,000 4^ 15,900 • • • 16,000 2,000 80,500 7,000 2,000 16,000 10,500 2^ 6,000 8,000 7,500 4,500 14,000 1,000 s»ooo 6,500 $100 200 500 900 1,300 1,900 2,800 2,900 8,800 8,700 4,300 4,800 4,800 5,200 6400 5,900 5,800 6,200 6,000 6400 7,400 6,700 6,300 6,400 7;200 6,200 6,900 7,000 6,700 5,100 5,600 6400 6,400 5,400 4,600 AflB A« 50 51 58 54 55 56 57 68 69 60 61 62 63 64 66 Totals $294,000 340,600 291,200 281,100 246,100 190,500 131,700 111,600 124,500 107,800 45,500 23,400 24,700 44,900 20,500 10,000 $33,188,500 Actual $13,000 1,000 3,500 • • • 2,000 27,000 2,500 $236,500 $3,800 4if800 4400 4,600 4,400 3,700 2,800 2,600 8,100 2,900 1,300 800 900 1,700 900 600 $207,800 121 MORTAUTY EXPERIENCE BY HABITAT AMERICAN MEN RESIDE3fr AT DATE OP INSURANCE IN THE STATE OF ARIZONA, COLORADO IDAHO, MONTANA, NEVADA, NEW MEXICO, UTAH OR WYOMING (Gboup 9) EzncTBD DiinB BT AM Tablb Exposed to 114,500 54,000 117,000 183,300 269,000 402,000 606,700 594,000 828,600 742,700 884,000 1,033,500 1,097,400 1465,200 1427,600 1,260,600 1,236,700 1,314,200 1,231,000 1,201,200 1,463,100 1,313,600 1,098,700 1,054,900 1425,000 918,800 910,300 901,800 814,700 609,700 693,900 520,000 490,200 890,400 371,800 Actual $6,500 8,000 5,500 10,000 2,000 5,000 10,500 1,000 1,500 9,000 9,000 15,000 5,000 1,000 8,000 38,500 18,000 5,300 14,000 10,500 4,500 6,000 3,000 4,000 13,000 16,000 1,000 1,000 3,000 Expected Deaths noo 200 400 700 1,100 1,700 2,500 2,500 3,500 3,200 3,800 4,400 4,700 5,100 4,900 5,600 5,600 6,100 6,000 6^000 7,700 7,200 6,300 6,400 7,300 6,400 6,700 7,200 6,900 5,600 6,900 5,600 5,700 4,900 5,100 AOE AT Emtbt 60 51 52 53 54 55 56 67 58 59 60 61 62 64 65 Totals Exposed to Rise $292,000 312,300 237,800 267,100 233,900 189,500 127,700 105,600 99,000 127,300 45,500 19,000 24,200 44,900 20,500 7,000 $30,19^,400 Actual Deaths 12,000 1,000 8.000 • • • 5.000 8.000 sioo 5,000 1,000 Expected Deaths $358,300 $4,300 5,100 4,200 5,100 4,900 4,800 8,100 2,800 2,900 4,100 1,600 700 1,000 2,000 1,000 400 $21U00 122 MORTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN THE STATE OF ARIZONA, COLORA IDAHO, MONTANA, NEVADA, NEW MEXICO, UTAH Ott WYOMING (Gboup 9) ExncoD DsAxn bt AM Tabub 6th and SuBSWiuiT IimmAifCE Ybams Av- tained Age 20 21 22 28 24 25 26 27 28 29 80 31 32 33 34 35 36 37 38 89 40 41 42 43 44 45 46 47 48 48 50 51 54 55 56 m 58 59 Exposed to Actual $6,500 43,500 187,000 254300 395,300 659,800 1,060,000 1,417,000 I, 985,300 2,376,400 2,988,000 3,663,500 4,380,600 5,145,000 5,911,100 6,735,500 7,445,800 8,159,500 8,870,600 9,889400 10,214,200 10,864,800 II, 176,000 11,665,300 11,884,100 11,747,600 11,360,300 11,232,000 10,902,700 10^,400 10,101,500 9,611,600 9484,600 8,582,500 8,119,700 7,582,200 7,005,200 6,495,500 6,149,800 5,591,400 Expected $2,000 12,000 1,000 2,000 4,600 13,000 9,500 14,500 15,000 25,200 14,300 24,500 36,600 71,200 64,300 55,000 28,000 78^ 50,500 84,500 73,800 32,700 92,000 170,500 124,500 72,600 180400 161,500 61,800 98,000 97400 109,800 129,400 166,700 150,000 165,500 161,600 112^00 $200 500 1,100 1,700 2,800 4,600 6,200 8,800 10,500 18,100 16,400 19,700 23,600 27,700 32,200 36,800 41,700 47,200 52,200 59,600 66,900 73,100 80,900 88,800 93,300 96,800 103,100 107,800 111,700 117,000 120,500 124,800 126,900 130,600 132,500 188,800 184,400 138,400 136,900 At- tained Age 60 61 62 68 64 65 66 67 68 69 70 71 72 73 74 76 76 77 78 79 80 81 82 83 84 85 86 87 88 EXPOUEDTO 90 91 Totab Actual $5,190,500 4,737,300 4,483,400 4,141,100 8,847,500 3,504,300 8,814,700 2,969,100 2,639,600 2,327,300 2,079,700 1,867,500 1,616,900 1,404,000 1,189,800 944,600 764,200 579,400 492,900 361,900 286,500 155,500 117,500 86,500 29,500 18,500 15,000 7,000 7,000 4,00 2,000 1,000 $146,400 155,600 105,900 120,500 m,600 77,800 174,000 144,600 128,900 82,500 67,100 84,900 76,000 128,500 78,200 78,000 64,800 35,000 56,000 89,000 25,000 15,000 21,000 18,000 6,000 2,000 3,000 • ■ • 8,000 • • • 1,000 $4,78S,5ii $138,500 137,500 141,600 142,800 148300 142,500 146,400 141^00 137,700 131,800 127,800 124,600 117,000 110,100 101,000 86,900 76,000 62,400 57,300 45,500 82,100 22,800 18,500 14,700 5,400 3,600 3,200 1,600 1,700 1400 600 300 $4,94Mi9 MORTALITY EXPERIENCE BY HABITAir AMERICAN MEN RESULT AT DATE OF INSURANCE IN ALASKA, THE STATE OF CAUFOHNIAt OREGON OR WASHINGTON (Group 10) Expected Deaths bt AM Table 1st Insurance Year fiXFOOBDTO $58,500 186,600 876400 mdoo 1,028,500 1,485,800 2,147,100 2,488,400 2,976,800 3,26M00 3,327,800 3,532,300 3,721,900 4,169,400 ^jmjm 3,844,000 3,929,700 4,154,100 4,062,200 3,622,500 3,388,300 3,465,100 8,2&iaoo 2,975,600 2,585,000 2,331,500 2^,100 2,200,900 14W2,400 1,470^ 1,294,000 1,073,300 AorvAL 12,000 7,000 2,000 1,000 10,000 10,000 6,600 14,500 6,500 4,500 18,500 27^ 7,000 12,300 9,500 8,000 21^ 14,000 8,000 21,000 12,000 4,000 4,000 10,000 9,000 12,000 4,000 3^ 3,000 4,000 $100 500 1,000 MOO 2,700 4,100 6,000 7,000 8^ 9,600 9,800 10,400 11,100 12,400 11,500 11,600 11,800 12,500 12,400 12,500 12,200 11,700 11,300 11,900 11,900 12400 11,500 10,600 10,000 10,400 10,600 10,200 8400 7,600 6,800 50 51 52 68 54 55 56 57 58 60 61 62 63 64 Totals TO $1,225,900 925,500 771,800 001,500 579,200 415,300 269,200 266,600 200,500 164,200 78,200 142,900 40,500 59,900 26,000 14,700 $98,214,200 AoruAL $16,000 5,300 1.000 26,000 3,000 3,000 5,000 • • • $342,500 $8,300 6,800 6400 6400 6^800 4,100 2,900 3,100 2,600 2400 1,200 2,300 700 1,200 600 800 $366,700 124 MORTAUTY EXPBRiENC£ RY HAJUTAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN ALASKA, THE STATE OF CMJFOilNUW OREGON OR WASHINGTON (Gboup 10) Expected Deaths by AM Table 2d Insurance Year BSffOMlO AOfUAL ExfBU'UD Age at BaDOODTO Actual Expected Mam Umtam Eimnr Risk Dkaths MJmnTnn 15 $35,000 • • • $100 50 $956,800 $15,000 $9,400 16 133,300 ^,600 500 51 799,400 13,500 8,400 17 274,700 • • • AAA 900 CO 1 0,OUv 2 000 6,600 18 485,100 MOO 1,700 58 488,700 1,000 6,000 19 080,700 7,000 2,200 64 481.900 &JBQO 20 997,400 1,000 3,600 55 806,100 • • • 4480 21 1,348,500 K AAA OD • • • 8,800 22 1,470,800 9,500 5,500 57 177,700 10,000 3,000 28 1,801,200 12,000 6,800 58 195,500 3,000 3,600 84 1,968,200 7^ 69 187.000 8^700 2*800 26 2,161,300 3,000 8,300 60 ' 88,700 1,900 26 2,368,400 Q AAA O,0UU Dl 1.000 8,600 27 2,381,200 6,500 9,200 62 24,000 3,000 600 28 2,910,900 13,000 11,400 63 , 70,900 • • • 88 2»78M00 7,500 10,700 64 16,000 • • • 500 66 18^ • • • 600 30 2,590,400 9,500 10,200 81 2,839,700 • • • 1 1 Qon il,OUU JlOUUB 88M^9i8 8848||888 82 2,918,700 4,000 11,700 33 3,007,300 19,500 12,300 84 1 2.986^700 5,000 12.500 86 2,724,600 9,000 U.700 86 2,670,800 9,500 11,800 87 2,500,400 5,000 1 4 J AA 11,400 88 2,561,300 18,000 12,200 88 2,817,400 13.000 13.900 40 2,812,800 12,000 41 2,169,800 12J00O U,800 42 1,944,800 vmm 11,200 48 1,768,900 16,000 10,800 4^^ 1.760,100 11,000 11,300 1,648,500 ► 11,000 1 11,400 48 1,448,200 \ 10,00c ) 10,700 47 1,196,90C 1 18,00C 1 9,400 1 48 1,037,40C ) 11,50C \ 8,80(1 ) 49 785,90C 1 14,00C 1 7,10c 1 125 MORTAUTY EXPBBMSN€E BY HAMTAT AMERICAN MEN RESIDENT AT DATE OF INSURANCE IN ALASKA, THE STATE OF CALIFORNIA, OREfiWN OR WASHINGTON (Gbovf 10) Expected Deaths bt AM Table 3d Insurance Year Age at Entry 15 16 17 18 19 21 22 23 24 25 27 28 29 30 81 32 34 85 36 87 89 40 41 42 43 44 45 46 47 48 49 ExPOaBDTO Risk $28,000 95,300 197,200 418,800 mjm 826,900 1,153,400 1,248,300 1,433,000 1,588^ 1^700 2,108,900 2,112,700 2,487,900 2^,600 2,283,500 2^,600 2,014,800 2,679,900 2,644,200 2,445,200 2,478,200 2,842,900 2,427,600 2,451,600 2,163,200 2,017,600 1,816,700 1,617,000 1,448,500 1,461,000 1,340,700 1,109,400 920,200 808,400 Actual Deaths $1,000 2,000 6,000 3,500 11,000 • • • 8,000 8,000 1,000 16,000 2,500 10,000 6,500 1,000 1,000 4,000 4,000 4,500 12,500 8,000 11,000 24,500 19,000 8,000 %000 8,000 21,000 9,500 11,000 1,000 8,000 DsAvn $100 300 700 1,500 1300 3,200 4,500 4,900 5,700 MOO 7,700 8,500 8,600 10,100 9,500 9400 10,500 11,100 11,600 11,700 11,200 11,700 11,500 12,500 13,300 12,300 12,200 11,600 11,100 10,800 11,400 11,300 10,000 9,000 8,500 AOK AT EiNTET 50 51 52 53 54 55 56 57 58 59 80 61 62 63 64 85 Toltli TO $900,400 745,100 533,800 480,500 311,900 224,900 190,900 186,500 187,800 128,400 54,200 29,000 70,400 16,200 22,700 AnffVAb $5,000 12,000 2,000 8,000 9,000 15,000 2,000 3,000 1,000 2,000 8,000 2,000 8^ 83Wi88i $10,300 9,200 7,100 8^ 8;B00 5,800 4,200 3,900 4,100 8J0O 8,800 1,500 900 2,300 600 900 $345,888 AOB AT 15 18 17 18 19 20 21 22 28 U 25 26 27 28 80 81 82 33 84 85 88 37 38 89 40 41 42 43 44 45 46 47 48 49 MORTALITY EXPERIENCE BY HABiTAT AMERICAN MEN AT DATE OF INSURANCE IN ALASKA, THE STATE OT CAUroitNiA, OmOOM OR WMMMG'VOii (Group 10) Expected Deaths bt AM Table 4th Insurance Year EXFOWDTO Actual Dbai $17,000 76,800 151,200 848300 400,300 636,400 954,800 1,097,000 1.248 JOO 1,889,200 1,646,500 1,834,300 1,913,000 2,193,100 2,066300 2,006,900 2,289,500 2,203,900 2,323,400 2^300 2355,000 2,256,700 2,183,200 2,207,900 2,061300 1,954,500 1351300 1,714,700 1,410,500 1,242,300 1,230,500 1,113,900 941300 718,700 780,800 $1,000 2,000 2,500 6,000 2,000 8,000 3,000 1,000 • • • 5,000 18300 2,000 26,000 4,000 22,000 27,000 15,600 4,000 10,000 4,000 10,000 5,000 24300 8,000 21,000 4,000 56,000 8,000 • • • 2,000 15,700 $100 300 800 1,300 I, 500 2,500 3,800 4,500 5,100 5,700 6,800 7,600 7,900 9,100 8,700 8,500 9,800 9,600 10,500 U300 10300 II, 300 11,400 12,100 12,000 12,100 12300 12,000 10,600 10,000 10,700 10,400 9300 7300 9300 AoK AT 50 51 52 54 55 56 57 58 60 61 62 63 64 TO Totals $846,000 725,600 447,100 895,400 433,400 273,900 206,000 201,900 189,700 148300 132,400 50,200 35,500 70,400 7300 80,700 $55,342,100 Actual DmATn $1,000 5,000 5300 1,000 2,000 1,000 27,200 2,000 1,800 5,000 1,000 2300 • • • 7300 $372,700 $10,900 10,100 6300 8300 7300 5,300 4,400 4,700 4,800 8300 3,900 1,600 1,300 2,700 300 1^ $353,600 187 MCMtTALITY EXPERIENCE BY HABITAT AMERICAN MEN RESIOBNT AT DATE OF INSURANCE IN ALASKA, THE STATE OF CAUronOA, OMKXMf OR WASHINGTON (Gboup 10) Exracm DaaaMNiAM Tuna 5m iNSURAifci Year 15 16 17 18 19 20 21 22 23 U 26 27 28 2» 31 32 33 84 37 38 40 42 4» 44 45 46 47 48 48 $18,000 53,800 108,700 888300 340.800 501,400 800,300 930,600 1,846,100 1,424,500 1,650,800 1,769,800 2,043,400 um,m 1,845,200 2,063,500 1,980,300 2,076,900 2A76;200 8,010,800 2,067,600 1,960,600 2,048,700 1,899,300 1,772,800 1,798,600 1,828,800 1,288,400 1^96,200 1,137,500 924,600 918,800 848,900 692,800 Actual $1,1 1,000 • • • 2,000 6,000 2,600 5,000 15,500 5,000 13,000 ^000 18,000 2,000 4,000 13,000 9,000 18,000 6,000 11,000 8,000 MOO 22,200 88,800 6,000 9,000 13,000 4,600 7,600 14,' 22; EzpBcnED ii Agx at 1 $100 200 400| 1,100 1,400 2,100 3,400 8,900 4,700 MOO 6,100 7,100 7,600 8,800 8,208 50 61 68 54 55 56 67 60 61 62 8,200 9,400 9,200 10,000 10,900 10,600 11,300 11,300 12,500 12^300 12,200 18,200 12,900 11,000 11,000 11,300 9,900 10,^^0 8,100 9,500 64 66 Totak Exposed to $775,700 826^ 489,600 341,900 450,400 254,900 211,000 190,700 184,700 95,000 134,900 46,200 40,50 68^ 20,200 28,200 $50,160,300 Actual 12.000 6.000 1,000 2,000 12,000 • • • 2;^ 1,000 7,500 12,000 8828,808 |U,800 10,100 7,700 6,600 9,400 5,800 64»0 5,100 5,400 3,000 4,700 1,700 1,700 2,800 1,000 1,200 |8S8»M8 128 MORTALITY EXPERIENCE BY HMUTAT AMERICAN MEN RESIMNT AT DATE OF INSURANCE IN ALASKA, THE STATE OF CALIFORNIA, (MREGON OR WASHINGTON ( Group 10 ) EzFScraD DsAXU bt AM Table At- tained AOK 20 21 24 26 26 27 28 29 80 31 32 33 84 85 36 37 38 88 40 41 42 48 44 45 46 47 48 49 60 61 62 68 64 66 56 87 58 59 6th and Sumqubnt Insurance Years £XP0SBDT0 Actual $18,000 56,800 127,800 833,100 556,400 864,800 I, 448,200 2,075,800 2,824,500 3,569,400 4,528,000 5,643,500 6,760,100 8,098,700 9,296^00 10,484,900 II, 984,700 13,075,200 14,307,700 16^4,200 16,795,500 18,105,800 18,995,200 19,707,900 20,024,800 20,247,000 20,353,900 19,880,900 19,647,000 18,791,200 17,950,900 17,286,900 18,466,700 15,539,100 14,681,800 18,420400 12,583,100 11,724,300 10,992,000 10^1,900 $1,000 1,000 1,000 1,000 7,000 7,000 11,000 10,000 14,000 28,600 28,000 25,500 49,500 51,300 56,300 79,500 94,000 89,500 80,600 88,500 104,500 107,600 135,000 168,200 150,500 162,000 116,500 187AK)0 166,500 198,100 156,000 279,400 292,000 295,400 219,900 262,000 323,000 287,200 270,000 At- tained Age $100 200 500 MOOR 2,400 3,700 6,800 9,100 12,500 15,800 20,200 25,300 30,500 37,200 43,500 50,100 59,200 67,000 76,100 86^ 98,100 111,500 124,200 136,800 148^ 160,800 173,400 182,500 198,800 201,100 207,900 216,100 224,800 229,700 236,100 234,600 239,300 242,600 247,400 252,000 60 61 62 84 65 86 m 69 70 71 72 73 74 76 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 Totals $9,431,200 8,940,200 8,553,500 8g074,600 7,874,800 7,211,900 6,636,000 8472,000 6318,900 5,344,100 6^099,600 4,782400 4,408,600 4,119,100 3,951,100 8,679400 3,128,200 2,779,900 2,388,900 1,98^700 1,589,700 1,211,600 1,057,600 782,600 806^800 424,300 273,300 182,300 189,500 81,600 29,000 18,000 2,000 $561,420,900 Actual $241,000 251,400 283,000 328,700 297,600 346,800 351,000 269,300 284,600 189,900 356,200 297,200 189,000 295,000 861,900 296,500 316,000 296,000 246,500 97,500 211,500 130,300 100,000 83,000 61,500 22,300 29,000 41,600 4,000 16,000 2,000 $11,546,800 $251,600 259,600 270,100 277,500 2864100 293,200 293,200 296,500 808,600 802,700 313,500 816»600 818,700 822,900 335,500 829400 811,800 299,200 277,900 249,200 216,800 177,400 167,000 133,100 111,000 83,600 57,900 41,400 34,000 21,800 8,100 5,400 600 $11,372, 129 MORTALITY EXPERIENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF ONTARIO Expected Deaths bt Taelb Isr Insurancb Year AT 15 16 17 18 19 20 21 22 28 24 25 26 27 28 28 80 81 32 33 84 85 87 88 40 41 42 43 44 45 46 47 48 49 EsKranED TO $444,900 1,217,600 2^288300 8,457,700 4,455,800 5,145,900 5,814,000 5,738,000 5^,800 6y49M00 5,337,200 5,267,400 5,132,500 5,082,000 4,78M00 4,542,200 4,278,200 3,892,300 3,802,700 8f598f200 8,808,400 8,218^ 2,949,200 2,707,700 2,575,000 2,482,600 2^208.800 2,111,800 1,695,300 1,800,900 1,462,500 1,202,500 1,245,800 714,000 ACTPAI. ^,000 8,000 5,000 9,500 10,000 18,000 15,500 10,000 20,000 24,000 13,000 14,000 6,000 i&jm 5,000 9,000 15,800 19,000 10,500 19,000 2,000 1,000 10,500 9,000 2,000 2,000 2,000 7,000 2,000 6,000 1,000 6,000 $900 2,500 4,800 7,500 10,000 12,000 14,000 14,100 18,700 mjm 13,600 13,400 13,100 13,000 12^800 11,600 11,000 10,200 10,100 9»800 10400 9,800 8,900 8,500 8,500 8,600 8400 8,200 7,000 7,900 6,800 6,000 8,700 8,400 4^ Age at 50 51 58 54 55 56 57 60 61 62 63 84 86 Totals Exposed to $798,700 651,800 671,700 887,500 882,700 331,100 255,200 189,600 206,800 249,400 125,700 99,000 98,400 684XM> §0,900 88,900 $120,879,100 Actual $8^ COOO 1,000 1,000 1.000 1,000 14.000 2,000 1S,000 1,500 $355,100 EXPSCTKO $5,400 4,700 4,500 8,800 3,600 3,300 2,800 2,800 2,700 3,600 2,000 1,700 1,800 1,200 1,100 900 1371,708 1' MORTALITY EXPERIENCE BY HMKthT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF ONTARIO RxnoraD Dunn bt C** Table 2d Insurancs Year A#?IV A V RviHlARn TO Actual EZHBCTBD Agb at ExpoaiiBTO Actual EzracnD AuB AT Rant Dbathb DXATBS Deaths $2 000 $1 100 50 $694,200 > • • $5,600 in 988800 WpO,vW 2.000 3.000 51 568,300 $1,000 4,900 17 J. 1 1 f>$^ 800 8000 6J00 52 ^^^^ 401,000 9,500 3,800 1ft lo 9 d88 000 12 000 8.400 58 ^^^^ 811^)0 • • • 3,200 10 1.9 18 500 11.100 54 818,400 8,688 20 3,681,400 10,000 13,000 55 247,800 14,000 2,900 21 4,158,600 28,000 15,000 56 220,100 • • • O QAA jS2S 10 000 14 800 57 174,400 4,000 2,400 OQ A 01 A ^00 4,1/10,01/1/ 14,000 14.700 58 169,800 • • • 2,600 OA % Qf\A 1 00 7,500 14 500 59 92,488 MOO M08 25 3,896,500 18,000 14,200 1 60 125,700 ■ ■ • 2300 26 3,805,000 6,000 13,900 1 61 81,500 • • • 1,600 £i Q O^l QAA 12,000 1.^ 900 62 89,400 10,000 1,900 SI 6,500 19 fiOO 63 41.800 • • • 1,000 7isn 100 7,000 64 48.300 1,000 1,100 65 8&900 1,000 900 30 3,544,000 10,000 12,600 81 3,351,700 4,000 12,000 Totals $92,336,900 $358,600 .AAA q 191 800 12,100 11 200 ftft 9 QQ7 400 8,000 10 900 O Qfta AAA 5^ 10d400 86 2,828,700 9,000 10,700 mi 9 693 900 10.200 87 2,382,400 20,500 9,600 88 2,142,300 2,000 8,900 88 2^000 5»000 9,000 40 1,968,000 2jm 8,800 41 1,820,600 8,800 42 1,731,500 8,600 43 1,394,900 1,000 7,300 44 1,505,300 14,000 8,300 46 1,220,900 4,000 7,100 48 986^ 1 19,000 > 6,000 47 986,100 1 16,500 1 8,500 48 963,900 ► 8,000 1 6,800 49 616,80C ) . . . 4,600 1 m MORTAUTY EXPERIENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF ONTARIO 3d Insurance Year EXPOBKD TO Am At 15 16 17 18 19 20 21 22 25 2e 27 28 29 80 SI 86 86 87 88 40 42 48 44 45 46 47 48 49 $289,500 812400 M0M90 2,074,900 2,672,600 3,106,900 3,496,100 8,459,800 8^844800 8^400 3,369,100 3,304,500 3,220,900 3,256,600 %8WMW0 3,059,200 2,906,300 2,717,900 2,572,400 ^jj48fij800 2,417,400 2,326,300 2,074,000 1,927,400 1^700 1,789,700 1,606,200 1,497,200 1,263,300 1,414»700 1,138,900 88^600 no,2oo 864,600 609,000 Actual 18,000 %000 8,000 9,000 11,000 11,000 10^ fl^SOO 8,000 7,500 18,000 5,000 8^000 18^ 8,000 5,100 11,000 15,000 7^ 8,000 6,000 4,000 4,000 6i|000 7,600 9,000 1,700 7,000 4,000 18,200 2jm 11,400 4,000 1,000 EXPBCTSD »,000 2,900 6400 7,800 10,300 12,300 13,900 18,800 18,800 18400 13,300 12,900 12,500 12,600 1^800 11,700 11,100 10,500 10,100 9,800 10,000 9,900 9,100 8,800 9,800 mo 8,400 8,300 7,400 ^jm 7,600 ^800 6,100 7,000 5,300 Aqb at 50 61 54 55 56 67 59 60 61 62 64 66 Totob |e77|400 407,700 263,800 305,400 251,800 208400 ua^Boo 171,800 85,800 128,300 86,000 98,900 6M00 49,800 30,900 Actual S79,707400 181,200 6,000 2,000 1,000 iftOOO • • • 2.( • • • 6,( IMOO 4,700 8,000 3,100 3.900 3,400 8,000 MOO 8,100 1,700 2,700 2,000 LBOO uoo 1,000 |S7«,900 132 MORTAUTY EXPERIENCE BY WtMUX CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF ONTARIO Dbathb bt C*" Table AgB at 1 EXPOSKD TO 16 16 17 18 19 20 21 24 25 26 27 31 36 37 38 40 41 42 44 46 46 47 48 49 $259,500 688,800 1,184,200 1,788,000 2,282,100 2,690,900 2,979,300 8,064400 2,972,100 2,968,800 2,997,200 2,860,400 2,746,700 2346,800 2,791,600 2,621,900 2,581,600 2,395,400 2,267,300 2,214,800 2,124,100 2,030,500 1,878,300 1,775,200 1,587,600 1,525,500 1,390,700 1,132,900 1,289,600 1,00^00 808,100 745,500 762,500 576,300 4th iNSUKANCfi YSAR Actual $1,000 2,000 I, 000 5,000 11,500 12,000 28,000 17,000 10,000 9,000 16,000 6,000 14,000 14,600 9,00 17,100 1,000 14,400 10,00 II, M 5,900 3,000 3,500 1,000 16,600 8,600 5,500 15,000 4,000 6,000 2,000 1,000 7,000 3,000 28,500 AOBAS TO $1,000 2,600 4,700 7,300 9,500 11,300 12,500 12,900 18i400 12,400 12,300 11,700 11,100 11,500 11,200 10,600 10,500 9,900 9,700 ^700 9,600 9,600 9,200 9,100 9i)00 8,900 9,100 8,700 7,500 8,800 7,700 6,600 6,500 7,200 5,900 54 55 56 57 68 50 I $510,700 51 I 373,500 269,000 269,800 282,400 210,300 169,900 146,700 162,700 106,800 60 I 122,400 61 78,000 62 85,900 63 62,100 64 46,700 66 I 25,900 Totals I $70,359,500 Actual I $12,000 2,000 1,000 2;ooo uooo 5,000 8tM0 • • • 4,000 • • • • • « $351,900 $5,600 4,400 3,500 8,600 4,800 3,400 3,100 2,900 3,300 2I6OO 8,100 2,200 2,600 2,100 1,700 1,000 $367, 133 MORTAUTY EXPERIENCE BY HABITAT MORTALITY EXPERIENCE BY HABITAT CANADIAN MBN RESIDENT AT DATE OF INSWIANGB IN THE PKOVINCE OP ONTARIO Ag£ at Entkt u le 17 18 19 20 21 23 24 2S 2S 27 28 30 31 32 34 35 36 37 38 38 40 41 42 43 44 45 46 47 48 49 £XPOS£D TO Risk |228y600 584,700 1,004,700 1,542,000 1,937,900 2,338,400 2,685,200 2,691,286 2,654,300 2,626,100 2,704,600 2,470,400 2,582,200 2,488,400 2,340,400 2,363,000 2,205,900 2,083,200 2,017,000 1,924,400 1,837,500 1,704,900 1,621,600 1^600 1,8^,900 1,384,300 1,218,700 1,043,300 1,039,800 886,660 756,600 678,200 674,500 486,300 Actual Deaths $1,006 5,500 2,000 10,000 5,000 7,000 8,600 8,666 9,000 12,500 9,000 3,000 8,000 16,666 15,000 6,000 6,000 10,000 9,500 9,666 4,000 8,500 5,500 8,000 4,000 6,000 8,000 4,000 10,000 7,000 1^ 2,500 14,000 • • • 3,000 Expected Deaths 1900 2,400 4,200 6,600 8,400 10,100 11,400 11,700 11,400 11,200 11,400 10,400 9,900 16,666 10,500 9,900 10,300 9,800 9,600 %600 9,500 9,500 9,200 9,200 ^760 8,600 9,300 8,700 8,000 8,500 7,800 74m 6,900 7,400 5,800 Age at Entry 56 51 52 53 54 55 57 58 59 60 61 64 65 Totals Exposed 10 Risk 1456^ 845,100 237,400 226,700 259,600 227,800 11^,966 141,166 144,400 97,300 118,400 73,000 95,960 65,166 49,300 23,000 142,466,566 Actual Deaths 19,100 5,800 7,000 3,000 9,700 5,600 ■ • • 4,000 1,500 1.000 V • • • 6292,466 Expected Deaths 134 $5,966 4,800 3,600 3,700 4,700 4,560 8,466 8,800 3,700 2,700 3,600 2,400 8,500 2,200 2,200 1,100 $359, CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF ONTARIO A*. 20 21 22 23 24 25 26 27 28 29 80 31 32 88 84 35 36 37 38 89 40 41 42 48 44 45 46 47 48 49 50 51 58 54 55 56 57 §m AND SuMmUENT INSURANCE YeARS SxPOSED TO RUK Actual DsATm $200,500 681,700 1,462,900 2,595,700 4,088,100 5,767,806 7,605,800 9,279,700 10,822,300 12,240,900 13,732,400 15,002,800 16,108,600 17,872,900 18,440,200 19,420,400 20,398,100 21,042,700 21,559,600 2^088,500 22,257,400 22,363,000 22,468,500 22,515,700 22,589,300 22,518,500 22,611,600 22,359,100 21,712,900 21,156,206 20^,800 20,481,200 20,099,800 19,447,500 18,997,800 18,338,900 17,405,400 16,432,400 15,716,200 14,856,500 Expected $9,000 5,000 14,000 25,000 33,300 51,000 59,500 54,000 53,500 63,000 47,500 67,500 69,600 63,400 106,400 117,000 87,200 93,000 118,500 129,700 118,200 120,000 143,100 135,900 181,300 177,100 195,000 167,660 167,000 187,100 215,500 197,200 236,900 239,500 304,300 248,800 8O23OO 215,800 $900 2,900 6,400 11,400 18,000 25,460 33,400 40,500 46,800 52,700 58,800 63,800 68,700 74,600 80,206 86,400 93,200 99,500 105,600 112,600 118,600 124,800 181,900 139,600 148,400 157,200 168,500 178,000 185,500 194,600 205,900 218,800 231,800 242,900 257,300 269,800 278,300 286,100 298A00 307,400 At- tained AOB Exposed to 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 Totals $13,946,900 13,256,300 12,721,400 12,147,700 11,437,300 10,709,500 9,880,000 9,074,100 8,368,900 7,754,700 7,009,600 6,441,900 5,755,800 5,064,400 4,445,^ 4,666,166 3,418,800 2,882,800 2,389,000 1,997,100 1,635,300 1,403,200 1,121,300 969,966 712,966 516,200 356,400 245,000 131,800 81,200 59,000 81,500 28,500 10,000 6,000 $86^986,700 Actual $293,600 371,000 263,300 378,400 347,700 408,400 876,100 350,000 285,800 392,000 303,100 373,700 355,300 425,300 287,500 381,500 365,000 256,800 272,500 240,500 135,200 162,800 167,600 157,760 147,760 132,800 73,400 70,200 43,600 19,200 20,000 5,000 18,500 4,000 6,000 $12,704^700 Expected $315,006 326,700 342,500 357,400 368,000 376,806 386,166 381,966 385,200 390,400 386,000 388,100 379,100 364,700 349,900 844006 32l',206 295,700 267,500 244,000 217,800 203,700 177,300 156,606 183366 104,906 78,600 58,700 34,200 22,806 17,900 10,300 8,806 8366 2,566 $13,419,100 135 MORTALITY EXPERIENCE BY HABITAT CANADIAN MEN BESIBWCT AT DATE OF INSUBANCE IN THE PROVINCE OF QUEBEC jssiBomi Muksrai sir xams AOB AT £XP06ED TO $298^ C29,500 1,084,100 1,788,100 2,168,600 2,365,000 2,867,000 ??88iJW 2,333,800 2,289,600 2,118,000 2,288,700 2,223,500 1,939,300 1,907,800 1,938,600 l,7iay800 1,779,200 1,563,800 1,423,200 1,350,600 1,2IMM 879,500 1,176,300 826,900 814,400 824,700 ea,8oo 528,600 465,200 494,200 Actual $8,000 2,000 4,000 6,000 8,000 7,500 9,fi00 12,000 12,000 3,000 6,000 6,500 6,000 2,000 5,000 4,000 • • • 10,000 1«M0 1,000 2,000 11,000 MOO 9,000 1,000 4,100 11,000 6,000 1,000 2,000 2,000 3,500 1st liwwmici YiAit £ZP0U0T0 EXPECTBO II AgB at $600 1,800 %400 8,500 4,000 5,100 5,700 5,900 5,900 5,900 5,900 5,800 5,400 6jm 5,500 50 51 58 54 55 56 67 59 60 61 62 M 5,700 5,000 5,000 5,200 4,700 5,000 4,500 4,300 4,300 4.100 4800 8,200 4,600 3,400 8,600 8,900 8,800 2,800 2,700 3A00 Totals $851,700 887,200 246,600 291,200 325,00 206,800 83,600 It^^GOO 114,900 66,400 89,400 41,500 84,000 26L200 11,000 it,aoo «S5,74M00 Actual • • • |io,< 8,( l.( 4,( u £ZPBCTBD • • • MOO 6,000 MOO I187,M0 12,400 2,600 1,900 2,500 8,000 2,100 900 1,900 1,800 900 1,400 700 600 300 $174||700 136 MORTALITY EXPERIENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF QUEBEC EznofBD Dbatbb bt Table 2d Insuramcb Year U 17 18 19 20 21 24 25 26 27 80 81 32 88 85 36 87 38 88 40 41 42 43 44 46 47 48 49 AOB AT RtpOHBD to $221,200 451,700 848,000 1,128,600 U81,100 1,448,000 1,581,500 1,096^ 1,625,800 1,710,500 1,663,300 1,682,400 1,554,900 1,781,800 1,642,800 1,711,600 1,518,400 1,528,400 1,540,300 1,400,800 1,422,100 1,202,200 1,146,700 1,080,700 1,042,400 Actual Expbctko I Aam at 740,100 872,900 675,400 721,700 661,200 685,900 490,300 328,200 460,700 $8,000 1,000 6,500 2,000 15,000 7,000 6,000 8,000 13,000 2,000 6,000 7,000 6,000 6,000 4,00 • • • 1,000 2,000 12,600 8,000 10,000 9^ 2,000 • • • 2,000 1,000 1,000 8,000 2,000 4,600 1,000 10,000 Ejlpuudto $700 1,400 2,700 8300 4,100 5,100 5,700 6,200 5,900 6,300 6,100 6,100 5,600 6,200 69900 6,100 5,400 5,500 5,600 5,200 5,400 4,700 4,600 4,500 4,500 4,400 3,500 4,300 3,500 4,000 8,800 8300 3,200 2,300 3,500 50 51 68 54 55 56 57 60 61 62 68 64 Actual Totals $274,900 254,200 206300 266300 296300 162,800 84,000 131,000 101300 67,400 74,500 38,500 29,000 23,200 10300 10,700 $42,240,800 $10,600 1300 1,000 51390 12,000 2,000 5300 • • • i.( • • • • • • $244,700 $2,200 2,200 1,900 2300 8399 1,900 1,100 1,800 1,500 1400 1,800 800 600 500 300 800 $182,599 137 MORTAUTY EXPERIENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF QUEBEC ExpECTSD DmAxm wr C** Tam ji 3d Insurance Year Am AT Bmmii 15 $183,700 m m m 16 379,200 17 69&fi00 $6,000 18 94»600 8,000 19 1.0Q2.100 8,000 20 1,221,000 3,000 21 1,317,000 5,000 22 1 453 400 23 1.449J.00 8»000 24 1 lA^KAft 5,000 25 1,410,100 4,000 26 1,449,000 1,000 27 1 368 900 5,000 28 1 496 300 4,000 29 10,009 SO 1,499,000 SI 1,332,000 2,000 82 1,397.100 1,000 33 1.402.600 9,000 34 1.258-300 85 1,280400 8300 as 1,074,000 18,000 87 1,030,700 88 951,300 6,000 39 900,500 ■i 40 828,200 41 680,400 9,000 868^ 1,000 48 656,400 13,000 44 626,100 13,000 45 540,700 33,000 46 ' 495,400 12,400 47 421,800 7,000 48 287,700 49 888,000 1,000 $600 1,300 2,500 8,500 3,900 4,800 5,200 5,800 ^700 5,700 5,600 5,700 5,300 5,700 5,500 5,700 5,100 5,400 5,500 5400 6300 4,600 4,500 4,400 4300 4400 8300 4,700 3,800 3,900 3,600 8,500 8300 2300 8,300 t»\am AA XBAnB K^ooo 1,000 Si $97,800 $1,800 1,500 1,300 1,600 1,100 1,200 1,700 800 900 600 1,500 300 300 700 200 1109,500 MORTAUTY EXPERIENCE BY HABITAT CANhBUX ION RESIDENT AT DATE OF INSURANCE IN THE MARITIME PROVINCES j MOVA aCOTIAt l«W WmimmKK. ANB WmC^BDmAm ISLAND Exncm Dbatbb bt Table 2d iNauBAHCB Ymjim Exposed to $189,900 480,900 tlB^ 968,100 1,097,700 1,270,700 1,324,100 1,872,800 1,121,600 1,177,600 1,117,300 1,090,500 936,300 886400 942,700 831,500 863,700 875,900 896,760 792,600 745,500 738,500 599,000 627,800 442,800 566,400 508,000 436,100 409,800 857,000 260,700 278^ 216,200 200,500 Actual $1,000 4,000 1,000 4,000 3,000 7,000 5,000 8,000 6,000 8,000 2,000 2,000 • • • 1,000 <,no 5,000 3,300 6,000 1,000 8,4100 8,000 2,000 • • • 5,000 2,000 8,000 1,000 8,000 2,000 Expected 8^ 1,000 $600 1,500 2^ 8,300 3,800 4,500 4,800 5,000 4,100 4,300 4,100 4,000 3,400 8,800 8,000 3,400 3,000 3,100 3,200 8^000 3,000 2,900 3,000 2,500 2,700 2,000 2,600 2,500 2,300 2,200 2,100 1,600 1,800 1,500 1,500 Age AT 50 51 54 55 56 57 59 60 61 62 68 64 66 Totals TO I $229,500 187,800 118,500 148,700 116,500 101,800 163,500 60,700 66400 70,600 35,000 82,300 13,200 13,000 26,600 6,000 $27,519,500 AOIUAI* Dbaw $2,000 2,500 Dm $105,700 $1,900 1,600 1,100 1,600 1,800 1,200 2,100 800 900 1,209 600 1,600 300 300 600 $118,900 143 AiOKTAUTY fiXPi&IENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE MARITIME PROVINCES! NOVA SCOTIA, NEW BRUNSWICK AND PRINCE EDWARD ISLAND Expected Deaths by Tamji 3d Insurance Year Age at Emtbt 15 16 17 18 19 20 SI 23 24 25 26 27 29 30 31 32 as M 35 36 37 40 41 42 48 44 4B 46 47 48 49 Exposed to Risk $158,400 410,200 579,100 847,600 914J00 1,074^ 1435400 1425,600 969,700 965,000 963,400 957,200 888,700 811,000 744,800 819,300 693,500 764300 782,200 091,000 785,800 693,500 652,600 617,000 670,000 375,500 443,900 416,700 417,600 856^ 290,800 239,300 255,400 203,700 177,500 Actual Deaths $8,000 • • • 8,000 6,000 4,000 6,000 8,000 2,000 4,000 8,000 1,000 1,000 3,000 1,000 8,000 1,000 2,000 1,000 1,000 1,000 1,000 1,000 3,000 5,000 10,000 8,000 Expected Dsatss 7,< $500 1,400 2,100 3,200 4J0O 4,500 4,500 3,900 3,800 8,800 8,700 8,200 3,100 2,800 3,100 2,700 »jm 2,900 2,800 3,000 3,000 2,900 2,400 %700 1,900 2,300 2,300 2,400 %800 1,900 1,700 1,900 1,600 1,600 Age at Entry 50 51 52 53 64 56 57 58 69 eo 63 64 66 Totelt Risk TO $188,000 162,800 77,800 124,700 120,800 99,800 167,000 58,500 46,200 77,000 42,600 88300 10,700 13,000 26,000 4,000 ^3^^|888' AofUAL $2,000 1^ • • • m • m 1,000 1^ MOO 1,< 81Mi§§8 $1,800 1,600 800 1300 1300 1,400 2,500 1,000 800 1300 900 1,900 300 400 800 100 IllMM 144 MORTAUT Y EXPSRIINCB BY H A BIT AT CANADIAN MBN RESIDENT AT DATE OF INSURANCE IN THE MARITIME PROVINCES: NOVA SCOTIAt NEW BRUNSWICK AND PRINCE EDWARD ISLAND * Expected Deaths bt Table 4th Insurance Year $129,400 366,200 493,100 743,600 79M00 930,300 1,001,900 1,008,400 842,000 868,000 874,600 848,700 735,600 738,800 671,400 785,600 mjBM 846,100 654,200 607,500 644,900 667,800 688,800 510,000 338,100 381,900 362,000 866^400 257,200 228,300 235,300 178,700 168,000 Actual DSATHS $1,000 5,000 2,000 2,000 1,000 7,000 1,000 8,000 3,000 21,000 8,000 9,000 5,000 1,000 8400 4,000 • • • 8,000 2,000 5,000 2i600 • • • • • • 1,000 9fltO m m • 4,000 6,000 • • • Dkaths $500 1,400 1,900 3,000 8»800 3,900 4,200 4,200 3,500 8^ 8,000 3,500 3,000 3,000 2,700 8,000 2^500 2,700 2,800 2,700 2,900 3,100 2,800 2,400 2,700 1,900 2,300 2,300 2,400 8i400 2,000 1,900 2,100 1,700 1,600 Agb at Emtbt 50 51 52 53 64 55 56 57 58 69 80 61 62 63 64 66 Toteb Exposed TO Risk $147,800 138,800 69,800 103,500 111,200 100,200 142,000 47,500 44,200 77fiOO 88,600 80,600 9,700 10,500 14,000 4,000 Actual Deaths Expected Deaths $2,000 1,000 3,000 1,000 8,000 • • • 2,000 1,000 1,000 1,000 • • • 1,000 $1,600 1,700 900 1,400 1,700 1,700 2,600 900 900 1,800 Ii#4|i88 2,800 800 400 500 200 tlliHO 146 MOKCAUTY SaCKRIENGB BY HABITAT CANADIAN IfBN RESIDENT AT DATE OF INSURANCE IN THE MARITIME PROVINCESt NOVA SCOTIA. NEW BRUNSWICK AND MUMCE SDWABD iSLAND Expected Deaths bt Table AI 15 16 17 18 1» 21 22 23 27 28 29 80 •1 84 85 86 S7 18 89 40 41 42 48 44 46 46 47 48 49 Sth Insurance Ybar BZFOBEDTO Rl9K $111,900 320,700 437,600 641,100 80%no 912,400 893,600 758,500 at^Mo 780,200 681,600 659,800 mjm 661^009 578,100 593,800 566,100 584,700 510,400 480,700 463,200 329,600 360,200 816,900 80M00 286,100 218,700 218,100 206,500 1718,200 Ifi^fiOO Actual Dkaths $1,000 2,000 5,000 2,000 5,000 2,000 3,000 4,500 ym. 1,000 2,000 1,200 3,000 MOO 2,600 8,000 1,000 2,000 1,000 1,000 1,000 5,000 1,000 1,000 2,000 2,500 5,000 2,000 7,000 $400 1,300 1,800 2,700 s»ooo 8,500 4,000 3,900 3,300 8^ 8,400 3,300 2,800 2,800 2^ %m 2,600 2,700 2,700 2,900 &200 2,800 2,400 2,800 2,100 2,400 2300 2,300 1,900 1,900 2,100 2400 1,900 1,800 Age at 50 51 52 58 55 56 57 58 58 60 61 62 63 64 65 Totals $128,800 134,800 68,700 87,800 115,200 84,700 139,000 39,500 34,200 77,000 29,500 79,600 6,000 9,500 18,00 4t000 $19,014,800 ROOO 1,000 • • • 1,000 1,000 $1,700 1,900 1,000 1,600 2,100 1,700 8,000 900 %100 900 2,700 200 400 600 200 181,700 |111,90« MORTALITY EXPERIENCE BY HABITAS' CANADIAN ION RESIDENT AT DATE OF INSURANCE IN THE MARITIME PROVINCES: NOVA KOVIA. raw BRUNSWICK AND MUNC£ EDWARD ISLAND Expected Deaths bt C*" Table Ai^ 20 21 24 26 27 28 29 SO 31 82 84 86 S6 87 88 8» 40 41 48 44 45 46 47 48 60 SL 52 53 54 55 56 57 58 6th and Subsequent Insurance Years EZFOSBDTO $97,900 359,900 687,000 1,146,100 1,645,900 2,172,700 2,719,300 3,233,100 3,648,800 3,994,900 4,413,800 4,721,300 4,960,500 5460,200 5^,500 5,541,100 5,615,100 5,590,500 5,617,700 5,647^ 5,753,900 5,853,200 5322^ 5,808,600 5,769,100 5,623,800 5,619,700 5,434,800 5,377,400 5,272,200 5462,000 4,989,200 4,881,300 4,703,100 4,512,800 4,285,400 4,121,600 8^,800 8,780,600 3,687,500 Actual $5,000 5,000 3,000 5,000 12,000 9,000 15,500 8,000 18,300 20,500 10,200 22,000 18,000 28,500 21,000 20,000 27,000 33,000 25,500 33,000 32,000 87,500 40,200 49,500 43,500 30,700 47,500 57,500 86,000 46,000 57,500 86,000 65,300 58,000 61,000 78,000 59,500 55,000 73,700 $400 1,500 3,000 5,000 7,200 9,600 11,900 14,100 15,800 17,200 18,900 20,100 21,100 22,100 28,400 24,700 25,700 26,400 27,500 28,900 30,700 32,700 84,200 87,900 39,300 41,900 43,300 45,900 48,800 50,900 58,200 56,300 58,700 61,100 63,000 65,900 68,400 71,700 75,300 At- tained Age 60 61 62 63 64 65 66 67 68 69 70 71 72 78 74 76 76 77 78 79 80 81 82 88 84 85 86 87 88 89 90 91 Sdobbdto 93 94 95 96 iTotab $3,473,400 3,401,200 3,232,800 2,993,200 2,760,400 2,682,400 2,452,000 2,209,300 2,026,600 1,866,300 1,677,900 1,493,100 1,312,700 1,134,300 945,700 826,700 683,900 568,300 480,600 405,500 301,500 252,100 199,100 176400 124,200 94,700 68,700 . . 50,500 36,000 15,500 13,500 11,500 8,500 6,500 2,000 1,000 1,000 821i,68Mi6 Actual $69,400 109,800 108,000 113,300 99,000 186,500 115,700 119,400 76,100 123,500 97,500 105,500 91,500 126,400 74,200 59,800 42,100 58,500 30,400 55,500 31,900 27,000 30,500 26,500 20,500 16,500 8,200 8,500 18,000 1,000 1,000 8,000 2,000 3,000 1,000 • • • 1*000^ 88,858,168 E $78,400 83,800 87,000 88,100 88,800 92,600 94,800 98,000 93,300 94,000 92,400 89,900 86,500 81,700 74,400 71400 64,800 58,300 53,800 49,500 40,200 36,600 31,500 28,200 19,200 15,200 12,100 9,300 4,800 4,100 8,800 8,000 2,500 800 400 500 88|H1,M 146 147 MORTAUTY EXPSMSNGK BY HMUTAT CANADIAN M£N RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF MANITOBA SASKATCHEWAN OR ALBERTA OR YUKON TERRITORY ^ Ejlpbcted Deaths by C** Table lar Insurance Year Exposed to Risk 1236,200 462,100 1,041,100 1,559,000 2430^ 3,891,800 4,156,500 4,653,300 4,878,300 5,298,200 5,226^ 5,261,400 5,250,400 5,358,700 4,742,400 4,^^900 3,380,800 3,445,400 2,918,700 2,844,700 2,492,700 ^204,300 1,718,800 1,518,800 1,585,200 1,29M00 1,080,800 966,600 796,500 648,700 588^600 Actual Dkaths Expected Dkaths $2,000 5,500 Bjm 7,000 12,000 18,500 1,000 9,000 5,000 12,000 10,000 18,800 21,000 16,100 21,900 e,ooo 6,000 4,000 6,000 8,000 4»600 6^000 6,000 1,000 3,000 7iW0 2,000 3,000 58,000 4,000 1,000 $400 900 2,200 3,400 4,700 6,000 8,100 10,200 11,600 12,200 18^ 18,200 18,400 13,400 13,600 13,700 19»200 11,900 10,500 9,200 9,600 8,400 8,600 7,800 7,900 7,700 6,400 5,900 6,600 6|€00 5,100 5,000 4,300 3,800 3»700 Ace at Entry 50 51 52 53 M 55 56 57 58 59 80 81 62 63 64 65 TotaU Exposed lo $576,300 344,700 318,000 413,100 19MM 209,500 93,000 132,900 43,500 52,900 87,900 26,500 6,000 15,000 6,400 AOIOAL $2,000 3,000 6,000 • • • 2,000 • • • 12,000 |t2lt3M $3,900 2,500 8,800 1,800 2,100 900 1,600 600 800 1,100 500 200 300 100 |382»800 148 MORlMiTY EXBERiENCE Bar WJmJkT CANAI>IAN IffiN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF MANITOBA SASKATCHEWAN OR ALBERTA OR YUKON TERRITORY Expected Deaths by Table 2o Insurance Year Actual I>B4m Age at EXPOBKBTO Actual Dbai $181,200 356,100 723,300 1,006^700 1,856,000 1,592,500 2,037,600 2,602,600 2,769,300 8,064,600 3,352,500 3,330,400 3,582,400 3,562,500 8.593,100 3,150,900 3,164,500 2,808,500 2,236,200 2,386,700 1,984,800 1,887,400 1,591,000 1,675,800 1,589,300 1,202,300 1,020,100 1,005,900 899,000 756,400 640,100 554,900 471,800 $1,000 1,000 5,000 6,000 6,300 8,000 2,000 8,500 8,900 11,000 28,000 8,000 14,000 14,000 18,000 2,000 6,000 6,000 8,000 4,500 8,600 10,i 9,000 1,000 6,000 2,000 1.000 3,000 2,000 4,000 $500 1,100 2,300 8,400 4,700 5,700 7,300 9,500 10,100 11,200 12,200 12,100 12,900 12,800 12,800 18^ 11,200 11,300 10,200 8^ 9,100 7,700 7,600 6,600 7,300 7,100 5,700 ^jOOO 8,200 4,900 4,400 4,000 3,600 50 $430,100 51 265,000 52 204,500 68 251,600 54 127400 55 183,300 56 47,200 57 77,200 58 32,000 69 86,700 60 26,500 61 14,500 62 4,000 63 14,000 64 1,000 ToMi 887,742,888 8^ $1,000 5,000 1,000 $3,500 2,400 1,900 2,600 1,400 2,100 600 1,100 500 600 300 100 300 • • • I37MM MORTAUTY EXPERIENCE EY HABITAT CANADIAN MEN ■BSiDINT AT DATE OF INSURANCE IN THE PROVINCE OF MANITOBA SASKATCHEWAN OR ALBERTA OR YUKON TERRITORY ^ ^ Kuwiwi DmATHB BY C*^ Tablb 9» bmmumcm Year Agx at £XP06EI) TO Actual Expected Age ai Exposed 10 Actual ExpBomi DXATHB X/XiATnS ANTBT JiiaK Deaths Deaths 15 |144,00C > . . . 1800 50 $336,60C I . . . $3,100 I< MiSOQ ► $3,000 1,100 51 203,100 f A, J.UU vr 581,100 KM 2,200 52 159,40C > . . . 1,700 lo 799,200 4,000 3,000 53 205,50(1 > . . . 2,400 19 1«075,500 5,000 4,200 54 96^ > . . . 1,200 20 1,195,200 3,000 4,700 65 1«^806 > . . . 1,900 21 1^100 SyOOO ^200 56 43,900 DUU i^M^aoo 4,000 7,800 57 53,700 800 mB 2,044,500 6,000 8,200 58 28,000 500 OA 2,363,900 9,000 9,300 59 28^200 600 2,496,400 7,900 9,800 60 18^500 •00 26 2,429,400 11,600 9J00 61 ujm 27 2,676400 15,000 10,400 IB 100 2,788^500 7,000 10,500 68 9,000 300 ^697400 11,700 10,300 64 OA oil /\/\A ^681,900 9,300 10,200 Totah <51,74S,4M 6^^2|400 31 2,322,000 • • • 8,900 32 2,406,100 1,000 9,800 00 00 2,129,500 6,000 MOO 4 e 1st Insurance Year Exposed TO Risk $39,500 76,000 200,500 330,000 512,400 605,300 820,800 855,100 I^IMM 1,040400 1,087,000 1,149,500 1,204,500 1^700 1,221400 1,052,500 1,057,300 1,128^ 911,700 1,090^ 906,700 710,000 776,900 665,100 580,500 501,700 fil^pOOO 401400 413,500 368,400 318,500 262,200 hmm Actual Deaths 1,000 2.000 8,000 2,000 • • • 6,500 1,000 6,( 3,< 8,000 2,000 1,000 8,000 15,000 1,000 20,000 2,000 • • • • • • Expected Deaths $100 200 400 700 too 1,200 1,500 2,000 2,100 2,700 2,800 2,900 3,100 ^jm MOO 8,200 2,800 2,800 3400 2,600 8,200 %800 2,800 2,600 2,300 2,100 2,000 2400 2,200 1,900 1,800 1,700 1^ 800 Age at Eimnr 50 51 52 53 M 55 56 57 58 59 00 61 62 63 64 Totals I $189,800 117,200 72,500 90,900 njM 28,200 15,000 23,500 6,000 mjm 38,500 7,200 8,000 8,000 26iM0 MM 125,770,700 Bmktm $78,500 11,300 900 000 700 200 300 100 600 100 100 200 200 $81400 AT 15 16 17 18 20 21 22 25 26 27 28 80 31 82 84 37 38 40 41 42 48 44 45 46 47 48 49 MORTALITY EXPB«NCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF RMTIfiii COUOttlA Expected Dbateb by Tablb 2d IwiiUKANCK YcAft TO $24,000 55,000 147,000 285,000 259,200 347,900 406,200 495,100 567,800 082,900 654,900 699,500 831,600 871,200 897,900 888,500 896,900 717,900 764,400 828400 056,900 871,000 693,400 545,900 467,100 478,400 889,900 401,000 367,000 325,900 323,100 807400 176^000 117,700 84,900 Actual $1,000 2,000 2,000 7,000 9,000 2,000 2,000 • • • 5,000 10,000 8,( • • • 1,000 • « • 2,500 1,500 1,000 1,000 AfiOO 16,000 • • • $100 200 500 800 900 1,200 1,500 1,800 2400 2,400 2,400 2,500 3,000 3,100 8»200 3,000 3,200 2,600 2,800 8400 2,500 8,400 2,800 2,300 ^,000 2,200 1,800 2,000 1,900 1,800 1,900 1,900 1,200 800 600 Aoa At 50 51 54 55 56 57 60 61 62 68 64 65 Totab TO $148,400 84,700 44,500 62,400 54,400 30,000 45,000 28,500 5,000 84,000 35,500 4,700 8,000 8,000 6,500 $18»005,400 Actual • • • • « • • • • $1,000 2,000 Expected $1,200 700 400 600 600 400 600 800 100 600 600 100 200 100 700 200 $7M90 114 155 AT 16 16 17 IS 19 20 21 22 23 24 26 27 28 29 •0 SI 82 83 84 85 S8 S7 88 89 40 41 42 4S 44 45 46 47 4S 49 •MM^MUTY iacy»iBiiCl BY HAWM ■ESUOENT AT DATE OF INSURANCE IN THE PROVINCE OF BRITISH COLUMBIA Expected Deaths by Table 3d Insurance Year $23,000 44,000 123,000 206^ 284,400 324,400 412,400 433,400 492,700 50S,000 572,300 657,800 714,300 781,900 619^ SOO^ 638,900 687,400 691,600 670,900 697,000 ^400 455,700 354,700 363,800 320,100 909400 286,600 252,000 246,900 296,100 135,800 109,000 •9,900 $3,000 1,000 9,009 2,( 1,< • • • 4,000 4,( 104,000 12,009 7,700 3,500 6,600 • • • 11,000 1,000 10,000 • • • 4,000 5,000 7,000 2,000 $100 200 400 900 800 1,100 1,300 1,600 1,700 2,000 2,000 2,200 2,500 2,700 8,000 2,600 8,100 2,500 2,700 2,800 2,400 2,600 2,600 2,100 1,700 1,800 1,700 1,700 1,100 1,600 1,600 2,100 1,000 900 Acn AT 50 51 52 68 64 55 56 57 58 69 60 61 62 63 64 Totals $116,500 68,700 48,600 48^490 68,999 22,000 44,000 22,500 2,000 2&000 12,600 3,000 7,000 1,000 26^000 6,600 $14,690,100 Actual $190,700 $1400 700 800 700 400 100 200 800 $69,900 Age at Entbt MORTAUTY EXPERIENCE BY HABITAT CANADIAN MEN nSHIBIT AT MTE OF DSIHIANCE IN THE mOVHieS OT MUnSH COLUMBIA Exposed to Bisk 116,000 87,000 109,500 173,500 168,500 224,500 277,000 864,700 860,500 403,800 402,700 498,100 641,200 666,600 518,500 687,000' 636,000 468b200 676,400 502,600 526,500 455,000 417,300 806^700 811,200 295,100 269,600 261,000 198^600 909,009 276,600 114,800 94,500 46^900 Actual Deaths • • • • • • $1,000 1,000 1,000 1,000 4,500 1,000 2,000 6,000 1,000 2,000 10,000 1,000 8,000 6,000 8»000 4,000 4,000 1,000 Expected DSATHB $100 100 400 700 700 900 1,200 1,600 1,500 1,700 1,700 2,000 2,200 2,600 2,300 2,100 2,800 2,200 2,000 2,600 2,300 2,500 2,200 2,100 1,600 1,800 1,800 1,700 1,700 1^ 1,600 2,200 1,000 900 500 Age AT Entbt 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 Totals Exposed TO Risk 994,200 67,700 39,000 40,700 50,900 22,000 44,000 29,600 8,000 28,000 12,500 2,000 7,000 1,099 26,000 6,500 $12,284,499 Actual Deaths $2,000 1,000 $59,599 Expected Deaths 500 600 800 400 800 490 100 700 300 100 200 999 300 11 157 MORFMJTY EXPQUENCE BY HABITAT CANABIAN MBN RESIDENT AT DATE OF INSURANCE IN THE HIOVINCE OP BRnaSH OOUItiBiA ExpscxsD DmAXBB MY Takji 5th IwnnuNCT Year Am AS Fill —mo 1 A#VPTTAT 1 vfc^B ^^^Mwn KHmr 1 JBiXPKCTED Duns 15 $16,000 • • • $100 50 $89,20C > . . . 11400 Id 32,000 • * • 100 51 54,70(1 > . . . 800 17 99,000 52 86,00(1 ^ m AMI ' iiUU 18 ' • « • INJII fix 25,700 A(\£\ 4UU 1» > . . . MO 54 48,400 1 ' . . . OAA 20 188,500 • • • 800 55 11,000 200 216,500 • • • 900 56 16,000 800 22 297,700 1,300 57 9,500 • • ZDII 23 317,000 $1,000 1,400 58 8,000 X,UIIU lUU 24 880,600 2,000 ld400 59 8,000 • • • » 857,800 1,500 60 12,500 • • • 400 ZD ii ern a t\f\ 453,400 • • • 1,900 61 2,000 • • • 100 27 441,500 1,800 62 7,000 • • • mill 28 521,700 2,500 2,200 63 1,000 • * • • • • 29 471^ 1,000 2||000 64 96^000 • • « X,1UU 80 5,000 2,000 66 • • • 300 ol 570,500 • • • 2,500 82 480,800 3,000 2,100 Totak 110,574,300 33 417,200 • ■ « 1,900 34 49^900 • • • 2d400 • 35 404,400 2,000 as 451,000 7,000 2300 S7 428,500 5,000 2,300 88 358,100 • • • 2,000 39 291,000 2,000 1,700 40 288,200 11,000 1,800 41 250,900 1,700 42 244400 1,700 48 286,600 • • • 1,800 44 185,800 • • • 1,500 45 171,400 1,000 1,500 46 ' 224,100 • • • 2,100 47 94,800 10,000 1,000 48 85,000 900 49 88,700 2,000 600 158 MORTALITY EXPERIENCE BY HABITAT CANADIAN MEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF BRITISH COLUMBIA fm AND ImoKANCB Ybaks At- tained Age 20 21 22 23 24 26 27 30 81 82 88 84 35 36 37 38 89 40 41 42 43 44 46 47 48 49 53 54 Exposed to Actual Dbathb $12,000 42,000 119,500 285,500 324,000 439,500 576,500 758^ 921,100 1,068400 1,262,900 1,473,600 1,748,900 1,956,100 2,199,900 2,359,000 2,697,000 2,802,800 2,885,100 8,049,900 3,080,700 3,142,800 3,206,300 3,160,700 8422,400 8,026,900 2,910,200 2,743,100 2,518,600 2,351,900 2,188,500 2,064,900 1,821,500 1,622,200 1,432,000 Expected Deaths $2,000 3,000 1,000 10,000 8,000 7,000 7,500 5,000 11,000 9,500 8,000 12,500 13,000 11,000 1,000 U,000 20,000 8,000 16,500 22,000 24,500 21,800 15,500 55,000 19,500 12,500 12,500 19,800 8,500 16,000 18,500 \m\\ 500 1,000 1,400 1,900 2,500 8,800 4,000 4,700 5,400 6,300 7,500 8,400 9,700 10,500 12,300 13,300 14,100 15^600 16,400 17,500 18,800 19,600 20,500 21,100 21,700 21,800 21,500 21,600 21,600 22,000 21,000 20,300 19,400 At- tained Age 55 56 57 58 59 60 61 62 Exposed to Risk 64 65 66 67 68 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 87 88 89 Totals Actual Deaths $1,276,000 1488,200 992,700 849,900 775,100 665,600 599,900 546,700 480,700 398,900 367,900 352,400 333,900 824,400 829,400 300,900 295,400 253,900 210,900 192^ 180,400 155,400 132,400 79,000 52,500 85,500 81,500 25,000 23,000 22,000 16,000 6,000 1,000 1,000 1,000 676,780,200 $21,000 14,000 9,000 21,500 18,000 19,500 3,000 14,500 12,000 10,000 13,000 9,500 15,000 10,000 9,000 11,000 22,000 16,000 14,000 4|000 12,500 4,000 8,400 19,000 5^ 2,000 2,500 2,000 1,000 5,000 5,000 1,000 $739,060 Expected Dbaisb $18,800 18400 17,800 16,100 16,000 15,000 14,800 14,700 14,100 12,800 12,900 13,600 14,100 14,900 16^ 16,600 17,800 16,700 15,200 15400 15,500 14,600 13,600 8,800 6^ 4,700 4,600 4,000 4,000 4400 8,300 1,900 200 300 300 6824,1H 150 iMMfcXAUTY EXFOUENCE BY HABITAT CANADIAN WOMEN maamn at date of insurance in the province of Quebec Expected Deaths bt C** ^^y^rff _^ lar IiwiKAWCB Year $2,000 15,000 a2,ooo 68,000 88,000 88,600 82,200 TO,000 78,000 III • III 85,000 84,000 £1,000 njm 46,600 73,500 38,000 67,000 28,500 dijm ^^^^60 S6,600 39,000 52,200 28,000 17,000 IMOO 19,000 24,000 34,500 10,000 lOiOOO • • • • • • • • • 11,000 2,000 • • • 1,000 2,000 1,000 hi 10,000 mo 100 200 200 200 aoo MO 200 200 200 200 200 200 100 200 100 200 100 100 100 100 100 200 100 100 200 100 100 200 100 100 100 50 51 y 62 I 68 I 54 55 56 57 66 60 60 61 62 63 Totab Ezpoaaoio «16,000 1,000 ijm 7,000 12,600 2,000 2,000 9JSM 1,000 1,000 6,000 11,727,400 |19,M« £XPSCTKD Dbathb «M0 • • • 100 100 100 • • • • • • • • • 200 • • • 100 • • • 100 • • • 95,600 lio iiORTAiilTY KXPHIKiiCB BY HAMOAT CANADIAN HOIGDI RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF Expected Deaths bt Table 2d Insurance Year ExPOBEDfO $2,000 9,000 18,500 17,000 28,600 48,000 68,000 61,500 58,200 46,000 62,000 64,000 76,000 69,000 08,000 67,600 40,000 47,500 26,000 54,000 22,500 28,600 40,600 26,000 32,000 41,000 24,000 12,000 84,000 17,000 12,000 33,500 8,000 10,000 14,000 Actual » • • $2,000 1,000 1,000 1,000 1,000 • • • 1,000 5,000 1.000 • • • Expected DUATBB $100 100 100 200 200 200 200 200 200 200 300 200 200 200 100 200 100 200 100 100 200 100 100 200 100 100 200 100 100 200 100 100 100 Age at 50 51 52 68 64 55 56 57 58 59 60 61 62 63 64 Totals Exposmo $16,000 1,000 11,000 7,000 USOO 1,000 1,000 3,500 12,600 2,000 5,000 • • • 3,000 1,000 AgTOAIi Deaths Deaths $100 • • 100 100 100 100 m MORTALITY EXPERIENCE BY HABITAT CANADIAN WOMEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCB OF QUEBEC 3d IliflinUNCB YlAft 15 16 17 18 19 20 21 22 28 25 26 27 28 81 32 33 84 87 40 41 42 43 44 45 46 47 48 49 EXFOBED TO $7,000 14,500 11,000 16,000 43,000 54,000 49,500 45,700 82,000 49,000 58,000 67,000 57,000 80,000 48,500 35,000 49,500 29,000 28,500 28,500 40,600 25,000 32,000 38,000 24,000 11,000 19,000 16,000 17,000 84,500 7,000 8,000 12,000 Actual. Expected 1, 1. 1100 100 200 200 200 20O 100 200 200 300 200 200 200 100 200 100 200 100 100 200 100 200 200 100 100 100 100 100 200 100 100 100 Age at 50 51 62 53 54 55 56 57 60 61 62 68 84 Totals TO $15,000 7,000 11,000 7,000 5,500 1,000 1,000 8^ 12,500 2,000 8,000 • • • $1,175,300 Actual Deaths Expected Deaths • • • $6^000 99,m noo 100 100 100 100 • * • • • • • 100 200 • • • 100 $5,800 162 MORTAUTY EXPERIENCE BY HABITAT CANADIAN WOMEN RESIDENT AT DATE OF INSURANCE IN THE PROVINCE OF QUEBEC I bume s au Ds&ns bt C** Tahs 4th Insukancb Ykar 16 16 17 18 19 20 21 24 25 26 27 28 30 81 82 83 84 86 86 87 88 88 40 41 42 43 44 46 46 47 48 49 Aoa AT ExfOBBn to $7,000 18,500 11,000 14,000 38,000 44,000 48,500 42,700 27,000 43,000 45,000 59,000 54,000 80,000 39,500 36,000 50,000 25,000 4^000 18,600 26,000 39,600 24,000 17,000 86^000 22,000 12,000 15,000 17,000 17,000 81,500 8,000 6,000 12,000 Actual Diuki $1,000 2,000 1,000 • • • l.( Expected $100 100 200 200 200 200 100 200 200 200 200 200 200 100 200 100 200 100 100 200 100 100 200 100 100 100 100 100 800 100 100 100 Age at Entry 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Totals II Exposed to $17,000 4,000 11,000 7,000 6,500 4,000 1,000 3,500 12,500 2,000 • • • • • • 2,000 1,000 $1,070,300 Actual $1*500 $7,500 mill 100 100 100 100 • • • 100 800 • • • 100 • • • • • • 100 163 BY HABITAT CANADIAN WOMEN lyBillBC AOE AT Entry 15 16 17 18 19 20 21 22 27 28 29 » n 88 84 87 88 39 40 41 42 48 44 45 46 47 48 48 Expected Deaths by C** Tamji exposkd to Risk $7,000 13,500 12,000 l^W 42,000 37,000 39,000 33,700 26b000 44,000 40,000 52,000 50,00 67^ 87^ 48, 26,000 48,000 19,600 2^000 89,800 24,000 19,000 25,000 24,000 14,700 16,000 21,000 16,000 28,500 4,000 5,600 11,000 Actii:ai« • • • • • • • • • $1,000 1,000 1»000 2,000 • • • 1,000 • • • 1^ • • • 5th iNsuRAiiCK Year EZP06£D TO $100 100 100 200 200 200 100 100 200 200 200 200 200 200 100 200 100 200 100 100 200 100 100 200 200 100 100 200 100 800 100 100 50 51 54 55 56 57 60 61 62 68 64 Totals $17,000 8,000 11; 6,< 5; 5,000 1,000 84W0 11,000 u 1/ $lti21»000 Actual Dkaths £xpected DSATHfl > • • 200 100 100 100 ioo 800 100 • • • $8,800 100 $M8i 164 MORTAUTY EXPERISNGE BY HABITAT CANADIAN WOMEN RESUMENT AT DATE OF INSURANCE IN THE PROVINCE OF QUEBEC Expected Deaths by Table At- TAOTKD Agb 20 21 22 28 24 27 28 n S2 33 34 86 as «7 88 39 40 41 42 48 45 46 47 48 48 50 51 52 68 64 6th and Subsequent Insurance Years EXPOMB TO Risk $5,000 17,500 27,500 48,000 88,000 101,000 126,000 148,700 162^ 189,600 202,600 218,100 233,100 270,600 280,600 282,600 804,600 313,600 318,600 309,600 293,500 806AOO 282,100 289,100 271,600 271,100 257,800 276^ 261,800 257,300 270,300 260,300 254,200 286,200 Actual Dbatbb 61,000 1,000 1,000 1,000 2,000 8,000 8,000 10,000 1,000 2,000 3,000 2,000 8,000 2,000 11,000 3,000 3,000 2,000 1,000 1,000 6,500 3,000 8,000 8,000 2,000 1,000 • • • 4,600 3,000 2,000 $100 100 200 400 400 500 600 700 900 900 1,000 1,200 1,200 1,800 1,400 1,500 1,600 1,700 1,600 1,800 1,800 1,900 1,900 2,000 2400 2,400 2,400 2,500 2,900 3,000 3,200 8,200 At- tained 55 56 57 58 69 60 61 62 63 64 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 84 85 86 87 88 8» Totals TO $214,700 217,200 211,700 197,300 201,800 203,300 204,100 194,500 176,500 166,600 167,500 164,000 142,000 122,000 104,000 96,600 72,600 71,000 54,000 42,000 39,000 47,000 45,000 45^000 45,000 34,000 34,000 87,000 88,000 23,000 21,000 21,000 19,000 14,000 18,000 $10,915,400 Actual $2,000 1,000 • • • 7^ 1,000 5,100 2,000 3,000 2^ 8^ • • • 4,000 8,500 9lOOO 12,000 1,000 17,000 9,000 1,000 2,000 1,000 1,000 1,000 1,000 2,000 2,000 10,000 2,000 6,000 18,000 $214,200 Ihun $8,200 3,500 3,700 8,700 4,260 4,600 5,000 5,200 5,200 6400 5,900 6,300 6,000 5,600 5,200 6,800 4,400 4,700 3,900 3,300 3400 4400 4,600 5,000 5,500 4,500 4,800 6,800 5,700 4,300 4,300 4,600 4,500 8,600 3,600 $2U200 ca 3 * 0^ 1 Q O a ^ D 3 0^ u z -< D i o o H a H OQ & S o J H «5 Oft <^ QO CD -< H Q O H O H H Q H «< H O «5 2 Oft 00 Oft I I (2 S o ^ " Q «H . . 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C 03 c« OJOJ s C9 •I 0) •rt OQ 13 CO {3 c4 0) O I 2^2 5^ 0) .s S 5 ^ bO "S J3 lllllllllllllilllllllll go »^ to lO 00 00 iH (M »H 1-t T-l iH (N W iO ?0 O tH 03 04 O) CO 00 00 oO lO CD l> (M 00 OO 00 00 ^ 3 I IS y i H Z u D a (d CO OQ D I O I o I i at Q H O I I W5 i \ a I I 00 CO 00 00 • • • • C<1 O 00 ^ 04 CO CO t«oaiH'<*t-T-ikooocoo4 o6 ^eloS«4o6ideluSel kO t> 00 C<1 o o i-H t- O CO 04 tH 00 t- CO O • • • • ^ to 0> «H 0000>«OQQO»0>OQIO'^ ■ • • • •••••• d iH CO f-l CD CD iO (M (M • ••••• 00 tH CO 00 00 O CO 04 lO <^ 0> kO iO f- 04 q • ••• rH CD 0> • ••••• 00 04 iH CO 00iH'«ii'^t-0ft04O00 • ••••••••• f-l r4 Oi «H q xj< q q iH 04 00 00 09 ^ coiHOlO eoeooft^oot-oft04oooft C4 rH oo th as 09 CO 04 iH 04 iO • r-l CO Oft iH q t- • • • • • r-i IO 08 § I :3 1 i I I I 5 0) OQ CD bO «« .S3 «« o 00 0) T3 .a O g OQ O CO .5 3 on »H 0) o .a Q 09 . .fh •73 »H PQ 09 '43 •l-J .fH fll o ^ :s ;§ GQ a> :g O 09 0) CQ O P ^ o «1 i (h ^ s o o 2 iH (N ^ ^ lO kO iO IDCDt-OTHCO'^iOCDt> lOkOUdCOCOCOCOCOCOCO 00 CO 00 Oft Oft 00 q CD CO 00 00 o o o o o o o o i-H • CO iH CD Oft • • ••••• iH . 04 iH O 04 04 O 09 I O -2 o 181 I AM MORTALITY TABLE (AioaBiGAN Men) GsAmjAm BAns of Mobkalrt Gbaduatbd Rates of Mortality 182 Agb at £imiT Aiw Alt 9*44 TAIMHI Agi 0094.7 AAQ/11 .UUo41 - .UUoOO .00o72 .00392 20 1f> xo .UUool AAQyf Q ,VA/»>4o AAQfiO AAOOO f\/\ A f\C% .00402 21 17 AAQQ7 .UuOOO AAQTO AAOAO .00392 .00412 22 18 .00261 .00344 .00364 00381 00400 oo mm 19 .00266 00662 00872 00889 •UUKEv 2D .00078 .00869 .00680 .00896 .00418 .00431 25 21 .UUoDD OOQfiA .UUOOO AA>I A1 AA>1 1 O .U041o .00435 26 22 00379 .UUOf ^ AA/IA^ AA/IOI .UU4J1 AAilOA .00439 27 2.^ nOQ7f Oyl AAil A 1 .00441 28 24 .UUOoU AAQQQ AA/111 .UU411 AA>I AAil A O .00443 29 25 .00293 00384 00402 00412 •UVMD OA W 26 .00296 .00186 .00M4 .0M18 .00488 .00448 81 97 •UUQoo .UUil4 .00429 .00451 32 oo 2o A/VQOfi AA001 AA>I A/! .00414 .00432 .00459 33 90 AA90Q AA>I AO .00417 .00437 .00468 34 OV . vUOv/1 AAQQO AA>4 1 1 .l/U4il .00445 .00478 35 Q1 .UUoUl AAyl 1 C. AA>IOA .00429 .00454 .00494 36 •UUifUII AAil AO AAilOil .W4Z4 AAil OO .00612 87 AAJAA .UlPlUSf .OMoO .00182 .00682 88 tA .00811 00418 00448 .00457 .00480 .00523 .UUOOO .00584 QQ 40 K .00816 .00429 OD .00323 .UU44^ .Uu47o AACTAI .00501 .00548 .00616 41 O/ .00333 .U0457 AA>I OO .U049o .00524 .00577 .00654 42 Oo .00344 .U1I474 AACI £i AAETCTA .00550 .00610 .00694 48 .00358 AA>IIO .ilU04i2 .OOool .00648 .00742 44 AA .00871 .UUDlll •UUo70 .00617 •OOOof .00600 •00794 .00662 46 46 A1 4A •00688 .OOToo .00406 .00676 .00641 .00701 .00792 .00918 47 43 .00430 .00609 .00684 .00750 .00851 .00989 48 44 .00455 .00647 .00731 .00804 .00919 .01070 49 45 .00482 .00690 .00782 .00866 .00992 .01158 50 46 .00514 .00737 .00841 .00935 .01073 .01264 61 47 .00649 .00789 .00906 .01010 .01168 .01862 6B 48 .00687 .00847 .00976 .01094 .01261 .01478 68 49 .00910 .00979 .01066 .01141 .01184 .01285 .01370 .01489 .01608 .01747 54 55 50 .00678 51 .00729 .01057 .01235 .01395 .01618 .01902 56 .00787 .01141 .01339 .01516 .01761 .02069 57 68 .00850 .01234 .01452 .01649 .01916 .02261 68 64 .00920 .01886 .01677 .01792 .00086 .08148 68 66 .0Q8M .01447 .01712 .01961 .02271 .02668 60 66 .01078 .01666 .01860 .02122 .02472 .02903 61 Age at Entry 57 58 60 61 62 68 64 .01167 .01267 .01874 .01482 .01600 .01760 .01911 .02074 .02262 9w+i .01699 .01844 II .02170 .02556 .02776 .03012 .08267 9w+« .02021 .02195 .02887 .02820 .03065 .03329 .03618 .08981 .02310 .02512 .02784 .02974 .03518 .03825 .04158 .04617 9w+4 .02691 .02929 .08188 .08468 .08772 .04102 .04460 .04845 .06268 183 .03158 .03437 .08788 .04066 .04418 .04803 .05216 .05664 .06147 ,06670 .07288 .07889 .08492 .09194 .09951 .10765 JL1681 02669 .18674 .14642 .15787 .17005 .18315 .19707 .21180 .24408 .26170 .28035 .29946 .32108 .84188 J6864 .88776 .41111 .44340 .45763 .50000 .56250 .67148 .66667 1.00000 At- TAUm Am 62 63 64 66 66 67 68 69 70 71 72 78 74 75 76 77 78 79 80 81 82 83 84 86 87 88 89 90 91 92 94 96 96 97 98 99 100 101 102 103 CM MORTAUTY TABU& CM MORTAUTY TABLE Asm AT Entbt 15 16 17 18 19 20 21 23 24 25 26 27 81 82 88 84 87 38 39 40 41 42 48 44 45 46 47 48 48 60 51 52 53 64 9un .00195 .00202 .00210 .00217 .00225 .00283 .00240 .00245 .00249 .00252 .00254 .00254 .00266 .00265 .00256 .00258 .00262 .00266 .00273 .00303 .00315 .00331 .00348 .00368 .00888 .00418 .00439 .00469 .00502 .00538 .00680 .00824 .00874 .00728 .00788 .00856 .00928 Ami (Canadian Men) GSADVATSD BAni OF MOBTALITY .00307 .00317 .00326 .00335 .00346 .00864 .00861 .00365 .00366 .00366 .00365 .00364 .00861 .00869 .00857 .00356 .00357 .00359 .00363 .00870 .00880 .00690 .00402 .00416 .00432 .00450 .00471 .00494 .00520 .00549 .00582 .00618 .00659 .00704 .00768 .00809 .00871 .00937 .01013 .01096 .01186 .00342 .00353 .00364 .00376 .00886 .00894 .00697 .00399 .00399 .00396 .00394 .00891 .00887 .00883 .00382 .00381 .00383 .00387 .00894 .00402 .00414 .00427 .00441 .00458 .00477 .004M .00626 .00662 .00584 .00619 .00659 .00702 .00761 .00606 .00686 .00931 .01006 .01087 .01177 .01276 .01886 .00370 .00383 .00395 .00407 .00416 .00419 .00421 .00421 .00418 .00416 .00411 .00406 .00404 .00403 .00401 .00403 .00408 .00415 .00426 .00489 .00453 .00470 .00489 .00511 .00535 .00668 .00694 .00629 .00668 .00712 .00761 .00815 .00676 .00942 .01016 .01098 .01189 .01289 .01400 .016S7 .00398 .00406 .00418 .00487 .00484 .00434 .00433 .00429 .00426 .00428 .00419 .00418 .00417 .00420 .00425 .00434 .00446 .00476 .00495 .00515 .00539 .00567 .00598 .00871 .00715 .00763 .00816 .00877 .00948 .01017 .01099 .01189 .01289 .01399 .01521 .01664 .01802 .01964 7«+i .00412 .00423 .00432 .00487 .00440 .00440 .00439 .00436 .00432 .00430 .00426 .00^ .00426 .00429 .00435 .00445 .00457 .00478 .00490 .00511 .00533 .00558 .00587 .00620 .00667 .00006 .00746 .00796 .00854 .00917 .00987 .01066 .01168 .01249 .01354 .01471 .01599 .01741 .01887 .02258 At- 20 21 24 25 26 27 28 81 32 33 34 35 86 87 88 89 40 41 42 48 U 46 46 47 48 48 60 61 62 68 54 55 56 S7 60 (Canadian Men) G^UDUAxaD Batbi or Mobtautt AT 66 57 58 59 60 61 68 64 66 9m .01099 .01198 .01305 .01425 .01564 .01606 .01866 .02027 .02217 .02425 .01287 .01398 .01519 .01653 .01799 .01962 .02140 .02334 .02547 .02783 .01506 .01639 .01785 .01947 .02128 .02817 .02680 .02765 .03022 .03303 Vm-h .01804 .01968 .02146 .02343 .02669 •02796 .08056 .03341 .03653 .03996 .02143 .02339 .02555 .02792 16 .03647 .03989 .04364 .04773 .02464 .02692 .02942 .03217 .08618 .06847 .04208 .04603 .05035 .05507 .06024 .06687 .07201 .07870 .08601 .09395 .10259 .11200 .12216 .18322 .14517 .15810 .17210 .18707 .20327 .22071 .28942 .25938 .28063 .30336 .32725 .85271 .87874 .40728 .43496 .46763 .50000 .54054 .58824 .71429 185