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Code of Federal Regulations (Last Updated: July 5, 2024) |
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Title 26 - Internal Revenue |
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Chapter I - Internal Revenue Service, Department of the Treasury |
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SubChapter A - Income Tax |
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Part 1 - Income Taxes |
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Items Specifically Included in Gross Income |
§ 1.72-9 - Tables.
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§ 1.72-9 Tables.
The following tables are to be used in connection with computations under section 72 and the regulations thereunder. Tables I, II, IIA, III, and IV are to be used if the investment in the contract does not include a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)). Tables V, VI, VIA, VII, and VIII are to be used if the investment in the contract includes a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)).
In the case of a contract under which amounts are received as an annuity after June 30, 1986, a taxpayer receiving such amounts may elect to treat the entire investment in the contract as post-June 1986 investment in the contract and thus apply Tables V through VIII. A taxpayer may make the election for any taxable year in which such amounts are received by attaching to the taxpayer's return for such taxable year a statement that the taxpayer is electing under § 1.72-9 to treat the entire investment in the contract as post-June 1986 investment in the contract. The statement must contain the taxpayer's name, address, and taxpayer identification number. The election is irrevocable and applies with respect to all amounts that the taxpayer receives as an annuity under the contract in the taxable year for which the election is made or in any subsequent taxable year. (Note that for purposes of the examples in §§ 1.72-4 through 1.72-11 the election described in this section is disregarded (i.e., it assumed that the taxpayer does not make an election under this section).) See also § 1.72-6(d)(3) for rules treating the entire investment in a contract as post-June 1986 investment in a contract if the annuity starting date of the contract is after June 30, 1986, and the contract provides for a disqualifying form of payment or settlement, such as an option to receive a lump sum in full discharge of the obligation under the contract. In addition, see § 1.72-6(d) for special rules concerning the tables to be used and the separate computations required if the investment in the contract includes both a pre-July 1986 investment in the contract and a post-June 1986 investment in the contract and the election described in § 1.72-6(d)(6) is made with respect to the contract.
Table I - Ordinary Life Annuities - One Life - Expected Return Multiples
Ages Multiples Male Female 6 11 65.0 7 12 64.1 8 13 63.2 9 14 62.3 10 15 61.4 11 16 60.4 12 17 59.5 13 18 58.6 14 19 57.7 15 20 56.7 16 21 55.8 17 22 54.9 18 23 53.9 19 24 53.0 20 25 52.1 21 26 51.1 22 27 50.2 23 28 49.3 24 29 48.3 25 30 47.4 26 31 46.5 27 32 45.6 28 33 44.6 29 34 43.7 30 35 42.8 31 36 41.9 32 37 41.0 33 38 40.0 34 39 39.1 35 40 38.2 36 41 37.3 37 42 36.5 38 43 35.6 39 44 34.7 40 45 33.8 41 46 33.0 42 47 32.1 43 48 31.2 44 49 30.4 45 50 29.6 46 51 28.7 47 52 27.9 48 53 27.1 49 54 26.3 50 55 25.5 51 56 24.7 52 57 24.0 53 58 23.2 54 59 22.4 55 60 21.7 56 61 21.0 57 62 20.3 58 63 19.6 59 64 18.9 60 65 18.2 61 66 17.5 62 67 16.9 63 68 16.2 64 69 15.6 65 70 15.0 66 71 14.4 67 72 13.8 68 73 13.2 69 74 12.6 70 75 12.1 71 76 11.6 72 77 11.0 73 78 10.5 74 79 10.1 75 80 9.6 76 81 9.1 77 82 8.7 78 83 8.3 79 84 7.8 80 85 7.5 81 86 7.1 82 87 6.7 83 88 6.3 84 89 6.0 85 90 5.7 86 91 5.4 87 92 5.1 88 93 4.8 89 94 4.5 90 95 4.2 91 96 4.0 92 97 3.7 93 98 3.5 94 99 3.3 95 100 3.1 96 101 2.9 97 102 2.7 98 103 2.5 99 104 2.3 100 105 2.1 101 106 1.9 102 107 1.7 103 108 1.5 104 109 1.3 105 110 1.2 106 111 1.0 107 112 .8 108 113 .7 109 114 .6 110 115 .5 111 116 0 Table II - Ordinary Joint Life and Last Survivor Annuities - Two Lives - Expected Return Multiples
Male Female Ages Male 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Female 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 6 11 73.5 73.0 72.6 72.2 71.8 71.4 71.0 70.7 70.4 70.0 69.7 69.5 69.2 68.9 68.7 7 12 73.0 72.6 72.1 71.7 71.3 70.9 70.5 70.1 69.8 69.4 69.1 68.8 68.5 68.3 68.0 8 13 72.6 72.1 71.6 71.2 70.8 70.4 70.0 69.6 69.2 68.9 68.5 68.2 67.9 67.6 67.3 9 14 72.2 71.7 71.2 70.7 70.3 69.9 69.4 69.0 68.7 68.3 67.9 67.6 67.3 67.0 66.7 10 15 71.8 71.3 70.8 70.3 69.8 69.4 68.9 68.5 68.1 67.7 67.4 67.0 66.7 66.4 66.1 11 16 71.4 70.9 70.4 69.9 69.4 68.9 68.5 68.0 67.6 67.2 66.8 66.5 66.1 65.8 65.4 12 17 71.0 70.5 70.0 69.4 68.9 68.5 68.0 67.5 67.1 66.7 66.3 65.9 65.5 65.2 64.8 13 18 70.7 70.1 69.6 69.0 68.5 68.0 67.5 67.1 66.6 66.2 65.8 65.4 65.0 64.6 64.2 14 19 70.4 69.8 69.2 68.7 68.1 67.6 67.1 66.6 66.1 65.7 65.3 64.8 64.4 64.0 63.7 15 20 70.0 69.4 68.9 68.3 67.7 67.2 66.7 66.2 65.7 65.2 64.8 64.3 63.9 63.5 63.1 16 21 69.7 69.1 68.5 67.9 67.4 66.8 66.3 65.8 65.3 64.8 64.3 63.8 63.4 63.0 62.6 17 22 69.5 68.8 68.2 67.6 67.0 66.5 65.9 65.4 64.8 64.3 63.8 63.4 62.9 62.5 62.0 18 23 69.2 68.5 67.9 67.3 66.7 66.1 65.5 65.0 64.4 63.9 63.4 62.9 62.4 62.0 61.5 19 24 68.9 68.3 67.6 67.0 66.4 65.8 65.2 64.6 64.0 63.5 63.0 62.5 62.0 61.5 61.0 20 25 68.7 68.0 67.3 66.7 66.1 65.4 64.8 64.2 63.7 63.1 62.6 62.0 61.5 61.0 60.6 Male Female Ages Male 21 22 23 24 25 26 27 28 29 30 31 32 33 34 Female 26 27 28 29 30 31 32 33 34 35 36 37 38 39 6 11 68.4 68.2 68.0 67.8 67.6 67.5 67.3 67.1 67.0 66.8 66.7 66.6 66.5 66.4 7 12 67.8 67.5 67.3 67.1 66.9 66.7 66.5 66.4 66.2 66.1 65.9 65.8 65.7 65.6 8 13 67.1 66.8 66.6 66.4 66.2 66.0 65.8 65.6 65.4 65.3 65.1 65.0 64.9 64.7 9 14 66.4 66.2 65.9 65.7 65.4 65.2 65.0 64.8 64.7 64.5 64.3 64.2 64.1 63.9 10 15 65.8 65.5 65.2 65.0 64.7 64.5 64.3 64.1 63.9 63.7 63.6 63.4 63.3 63.1 11 16 65.1 64.8 64.6 64.3 64.1 63.8 63.6 63.4 63.2 63.0 62.8 62.6 62.5 62.3 12 17 64.5 64.2 63.9 63.6 63.4 63.1 62.9 62.7 62.4 62.2 62.0 61.9 61.7 61.5 13 18 63.9 63.6 63.3 63.0 62.7 62.4 62.2 61.9 61.7 61.5 61.3 61.1 60.9 60.8 14 19 63.3 63.0 62.7 62.3 62.0 61.8 61.5 61.2 61.0 60.8 60.6 60.4 60.2 60.0 15 20 62.7 62.4 62.0 61.7 61.4 61.1 60.8 60.6 60.3 60.1 59.8 59.6 59.4 59.2 16 21 62.2 61.8 61.4 61.1 60.8 60.5 60.2 59.9 59.6 59.4 59.1 58.9 58.7 58.5 17 22 61.6 61.2 60.9 60.5 60.2 59.8 59.5 59.2 58.9 58.7 58.4 58.2 57.9 57.7 18 23 61.1 60.7 60.3 59.9 59.6 59.2 58.9 58.6 58.3 58.0 57.7 57.5 57.2 57.0 19 24 60.6 60.2 59.7 59.4 59.0 58.6 58.3 57.9 57.6 57.3 57.0 56.8 56.5 56.3 20 25 60.1 59.6 59.2 58.8 58.4 58.0 57.7 57.3 57.0 56.7 56.4 56.1 55.8 55.6 21 26 59.6 59.1 58.7 58.3 57.9 57.5 57.1 56.7 56.4 56.0 55.7 55.4 55.1 54.9 22 27 59.1 58.7 58.2 57.7 57.3 56.9 56.5 56.1 55.8 55.4 55.1 54.8 54.5 54.2 23 28 58.7 58.2 57.7 57.2 56.8 56.4 55.9 55.5 55.2 54.8 54.4 54.1 53.8 53.5 24 29 58.3 57.7 57.2 56.8 56.3 55.8 55.4 55.0 54.6 54.2 53.8 53.5 53.2 52.8 25 30 57.9 57.3 56.8 56.3 55.8 55.3 54.9 54.4 54.0 53.6 53.2 52.9 52.5 52.2 26 31 57.5 56.9 56.4 55.8 55.3 54.8 54.4 53.9 53.5 53.1 52.7 52.3 51.9 51.6 27 32 57.1 56.5 55.9 55.4 54.9 54.4 53.9 53.4 53.0 52.5 52.1 51.7 51.3 50.9 28 33 56.7 56.1 55.5 55.0 54.4 53.9 53.4 52.9 52.4 52.0 51.6 51.1 50.7 50.3 29 34 56.4 55.8 55.2 54.6 54.0 53.5 53.0 52.4 52.0 51.5 51.0 50.6 50.2 49.3 30 35 56.0 55.4 54.8 54.2 53.6 53.1 52.5 52.0 51.5 51.0 50.5 50.1 49.6 49.2 31 36 55.7 55.1 54.4 53.8 53.2 52.7 52.1 51.6 51.0 50.5 50.0 49.5 49.1 48.7 32 37 55.4 54.8 54.1 53.5 52.9 52.3 51.7 51.1 50.6 50.1 49.5 49.1 48.6 48.1 33 38 55.1 54.5 53.8 53.2 52.5 51.9 51.3 50.7 50.2 49.6 49.1 48.6 48.1 47.6 34 39 54.9 54.2 53.5 52.8 52.2 51.6 50.9 50.3 49.8 49.2 48.7 48.1 47.6 47.1 Male Female Ages Male 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 Female 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 6 11 66.3 66.2 66.1 66.0 65.9 65.9 65.8 65.7 65.7 65.6 65.6 65.5 65.5 65.5 65.4 7 12 65.4 65.3 65.3 65.2 65.1 65.0 64.9 64.9 64.8 64.8 64.7 64.7 64.6 64.6 64.5 8 13 64.6 64.5 64.4 64.3 64.2 64.2 64.1 64.0 64.0 63.9 63.8 63.8 63.7 63.7 63.7 9 14 63.8 63.7 63.6 63.5 63.4 63.3 63.2 63.2 63.1 63.0 63.0 62.9 62.9 62.8 62.8 10 15 63.0 62.9 62.8 62.7 62.6 62.5 62.4 62.3 62.2 62.2 62.1 62.0 62.0 61.9 61.9 11 16 62.2 62.1 61.9 61.8 61.7 61.6 61.5 61.4 61.4 61.3 61.2 61.2 61.1 61.0 61.0 12 17 61.4 61.3 61.1 61.0 60.9 60.8 60.7 60.6 60.5 60.4 60.4 60.3 60.2 60.2 60.1 13 18 60.6 60.5 60.3 60.2 60.1 60.0 59.9 59.8 59.7 59.6 59.5 59.4 59.4 59.3 59.2 14 19 59.8 59.7 59.5 59.4 59.3 59.1 59.0 58.9 58.8 58.7 58.6 58.6 58.5 58.4 58.4 15 20 59.0 58.9 58.7 58.6 58.4 58.3 58.2 58.1 58.0 57.9 57.8 57.7 57.6 57.6 57.5 16 21 58.3 58.1 57.9 57.8 57.6 57.5 57.4 57.2 57.1 57.0 56.9 56.8 56.8 56.7 56.6 17 22 57.5 57.3 57.2 57.0 56.8 56.7 56.6 56.4 56.3 56.2 56.1 56.0 55.9 55.8 55.7 18 23 56.8 56.6 56.4 56.2 56.0 55.9 55.7 55.6 55.5 55.4 55.2 55.1 55.1 55.0 54.9 19 24 56.0 55.8 55.6 55.4 55.3 55.1 54.9 54.8 54.7 54.5 54.4 54.3 54.2 54.1 54.0 20 25 55.3 55.1 54.9 54.7 54.5 54.3 54.1 54.0 53.8 53.7 53.6 53.5 53.4 53.3 53.2 21 26 54.6 54.4 54.1 53.9 53.7 53.5 53.4 53.2 53.0 52.9 52.8 52.6 52.5 52.4 52.3 22 27 53.9 53.6 53.4 53.2 53.0 52.8 52.6 52.4 52.2 52.1 51.9 51.8 51.7 51.6 51.5 23 28 53.2 52.9 52.7 52.5 52.2 52.0 51.8 51.6 51.5 51.3 51.1 51.0 50.9 50.7 50.6 24 29 52.5 52.3 52.0 51.7 51.5 51.3 51.1 50.9 50.7 50.5 50.3 50.2 50.0 49.9 49.8 25 30 51.9 51.6 51.3 51.0 50.8 50.5 50.3 50.1 49.9 49.7 49.6 49.4 49.2 49.1 49.0 26 31 51.2 50.9 50.6 50.3 50.1 49.8 49.6 49.4 49.2 49.0 48.8 48.6 48.4 48.3 48.1 27 32 50.6 50.3 50.0 49.7 49.4 49.1 48.9 48.6 48.4 48.2 48.0 47.8 47.6 47.5 47.3 28 33 50.0 49.6 49.3 49.0 48.7 48.4 48.2 47.9 47.7 47.5 47.2 47.1 46.9 46.7 46.5 29 34 49.4 49.0 48.7 48.3 48.0 47.7 47.5 47.2 47.0 46.7 46.5 46.3 46.1 45.9 45.7 30 35 48.8 48.4 48.1 47.7 47.4 47.1 46.8 46.5 46.2 46.0 45.8 45.5 45.3 45.2 45.0 31 36 48.2 47.8 47.5 47.1 46.8 46.4 46.1 45.8 45.6 45.3 45.0 44.8 44.6 44.4 44.2 32 37 47.7 47.3 46.9 46.5 46.1 45.8 45.5 45.2 44.9 44.6 44.3 44.1 43.9 43.7 43.4 33 38 47.2 46.7 46.3 45.9 45.5 45.2 44.8 44.5 44.2 43.9 43.7 43.4 43.2 42.9 42.7 34 39 46.7 46.2 45.8 45.4 45.0 44.6 44.2 43.9 43.6 43.3 43.0 42.7 42.5 42.2 42.0 Male Female Ages Male 50 51 52 53 54 55 56 57 58 59 60 61 62 63 Female 55 56 57 58 59 60 61 62 63 64 65 66 67 68 6 11 65.4 65.4 65.3 65.3 65.3 65.3 65.3 65.2 65.2 65.2 65.2 65.2 65.2 65.2 7 12 64.5 64.5 64.4 64.4 64.4 64.4 64.3 64.3 64.3 64.3 64.3 64.3 64.3 64.2 8 13 63.6 63.6 63.5 63.5 63.5 63.5 63.4 63.4 63.4 63.4 63.4 63.4 63.3 63.3 9 14 62.7 62.7 62.7 62.6 62.6 62.6 62.5 62.5 62.5 62.5 62.5 62.4 62.4 62.4 10 15 61.8 61.8 61.8 61.7 61.7 61.7 61.6 61.6 61.6 61.6 61.6 61.5 61.5 61.5 11 16 61.0 60.9 60.9 60.8 60.8 60.8 60.7 60.7 60.7 60.7 60.6 60.6 60.6 60.6 12 17 60.1 60.0 60.0 59.9 59.9 59.9 59.8 59.8 59.8 59.8 59.7 59.7 59.7 59.7 13 18 59.2 59.1 59.1 59.0 59.0 59.0 58.9 58.9 58.9 58.9 58.8 58.8 58.8 58.8 14 19 58.3 58.2 58.2 58.2 58.1 58.1 58.0 58.0 58.0 57.9 57.9 57.9 57.9 57.9 15 20 57.4 57.4 57.3 57.3 57.2 57.2 57.1 57.1 57.1 57.0 57.0 57.0 57.0 56.9 16 21 56.5 56.5 56.4 56.4 56.3 56.3 56.2 56.2 56.2 56.1 56.1 56.1 56.1 56.0 17 22 55.7 55.6 55.5 55.5 55.4 55.4 55.3 55.3 55.3 55.2 55.2 55.2 55.1 55.1 18 23 54.8 54.7 54.7 54.6 54.6 54.5 54.5 54.4 54.4 54.3 54.3 54.3 54.2 54.2 19 24 53.9 53.9 53.8 53.7 53.7 53.6 53.6 53.5 53.5 53.4 53.4 53.4 53.3 53.3 20 25 53.1 53.0 52.9 52.8 52.8 52.7 52.7 52.6 52.6 52.5 52.5 52.4 52.4 52.4 21 26 52.2 52.1 52.0 52.0 51.9 51.8 51.8 51.7 51.7 51.6 51.6 51.5 51.5 51.5 22 27 51.4 51.3 51.2 51.1 51.0 51.0 50.9 50.8 50.8 50.7 50.7 50.6 50.6 50.6 23 28 50.5 50.4 50.3 50.2 50.2 50.1 50.0 50.0 49.9 49.8 49.8 49.7 49.7 49.7 24 29 49.7 49.6 49.5 49.4 49.3 49.2 49.1 49.1 49.0 49.0 48.9 48.9 48.8 48.8 25 30 48.8 48.7 48.6 48.5 48.4 48.3 48.3 48.2 48.1 48.1 48.0 48.0 47.9 47.9 26 31 48.0 47.9 47.8 47.7 47.6 47.5 47.4 47.3 47.3 47.2 47.1 47.1 47.0 47.0 27 32 47.2 47.1 46.9 46.8 46.7 46.6 46.5 46.5 46.4 46.3 46.2 46.2 46.1 46.1 28 33 46.4 46.3 46.1 46.0 45.9 45.8 45.7 45.6 45.5 45.4 45.4 45.3 45.2 45.2 29 34 45.6 45.4 45.3 45.2 45.1 44.9 44.8 44.7 44.7 44.6 44.5 44.4 44.4 44.3 30 35 44.8 44.6 44.5 44.4 44.2 44.1 44.0 43.9 43.8 43.7 43.6 43.6 43.5 43.4 31 36 44.0 43.9 43.7 43.6 43.4 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.6 42.0 32 37 43.3 43.1 42.9 42.8 42.6 42.5 42.4 42.2 42.1 42.0 41.9 41.9 41.8 41.7 33 38 42.5 42.3 42.1 42.0 41.8 41.7 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8 34 39 41.8 41.6 41.4 41.2 41.0 40.9 40.7 40.6 40.5 40.4 40.3 40.2 40.1 40.0 Male Female Ages Male 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 Female 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 6 11 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 7 12 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.1 64.1 8 13 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.2 63.2 63.2 63.2 63.2 63.2 9 14 62.4 62.4 62.4 62.4 62.4 62.4 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 10 15 61.5 61.5 61.5 61.5 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 11 16 60.6 60.6 60.6 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 12 17 59.7 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.5 59.5 13 18 58.8 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.6 58.6 58.6 58.6 58.6 14 19 57.8 57.8 57.8 57.8 57.8 57.8 57.8 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 15 20 56.9 56.9 56.9 56.9 56.9 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 16 21 56.0 56.0 56.0 56.0 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.8 17 22 55.1 55.1 55.1 55.0 55.0 55.0 55.0 55.0 55.0 55.0 55.0 54.9 54.9 54.9 54.9 18 23 54.2 54.2 54.1 54.1 54.1 54.1 54.1 54.1 54.0 54.0 54.0 54.0 54.0 54.0 54.0 19 24 53.3 53.2 53.2 53.2 53.2 53.2 53.2 53.1 53.1 53.1 53.1 53.1 53.1 53.1 53.1 20 25 52.4 52.3 52.3 52.3 52.3 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.1 52.1 21 26 51.4 51.4 51.4 51.4 51.3 51.3 51.3 51.3 51.3 51.3 51.3 51.2 51.2 51.2 51.2 22 27 50.5 50.5 50.5 50.5 50.4 50.4 50.4 50.4 50.4 50.3 50.3 50.3 50.3 50.3 50.3 23 28 49.6 49.6 49.6 49.5 49.5 49.5 49.5 49.5 49.4 49.4 49.4 49.4 49.4 49.4 49.4 24 29 48.7 48.7 48.7 48.6 48.6 48.6 48.6 48.5 48.5 48.5 48.5 48.5 48.5 48.4 48.4 25 30 47.8 47.8 47.8 47.7 47.7 47.7 47.6 47.6 47.6 47.6 47.6 47.5 47.5 47.5 47.5 26 31 46.9 46.9 46.8 46.8 46.8 46.8 46.7 46.7 46.7 46.7 46.6 46.6 46.6 46.6 46.6 27 32 46.0 46.0 45.9 45.9 45.9 45.8 45.8 45.8 45.8 45.7 45.7 45.7 45.7 45.7 45.7 28 33 45.1 45.1 45.1 45.0 45.0 44.9 44.9 44.9 44.9 44.8 44.8 44.8 44.8 44.8 44.8 29 34 44.3 44.2 44.2 44.1 44.1 44.0 44.0 44.0 44.0 43.9 43.9 43.9 43.9 43.9 43.8 30 35 43.4 43.3 43.3 43.2 43.2 43.1 43.1 43.1 43.1 43.0 43.0 43.0 43.0 42.9 42.9 31 36 42.5 42.4 42.4 42.3 42.3 42.3 42.2 42.2 42.2 42.1 42.1 42.1 42.1 42.0 42.0 32 37 41.6 41.6 41.5 41.5 41.4 41.4 41.3 41.3 41.3 41.2 41.2 41.2 41.2 41.1 41.1 33 38 40.8 40.7 40.7 40.6 40.5 40.5 40.5 40.4 40.4 40.3 40.3 40.3 40.3 40.2 40.2 34 39 39.9 39.9 39.8 39.7 39.7 39.6 39.6 39.5 39.5 39.5 39.4 39.4 39.4 39.3 39.3 Male Female Ages Male 79 80 81 82 83 84 85 86 87 88 89 90 91 92 Female 84 85 86 87 88 89 90 91 92 93 94 95 96 97 6 11 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.0 65.0 65.0 65.0 65.0 7 12 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 8 13 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 9 14 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 10 15 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 11 16 60.5 60.5 60.5 60.5 60.5 60.5 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 12 17 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 13 18 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 14 19 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 15 20 56.8 56.8 56.8 56.8 56.8 56.8 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 16 21 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 17 22 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 18 23 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 53.9 19 24 53.1 53.1 53.1 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 20 25 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 21 26 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 22 27 50.3 50.3 50.3 50.3 50.3 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 23 28 49.4 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 24 29 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 25 30 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.4 47.4 47.4 47.4 47.4 47.4 26 31 46.6 46.6 46.6 46.6 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 27 32 45.7 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 28 33 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 29 34 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.7 43.7 43.7 43.7 43.7 30 35 42.9 42.9 42.9 42.9 42.9 42.9 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 31 36 42.0 42.0 42.0 42.0 42.0 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 32 37 41.1 41.1 41.1 41.1 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 33 38 40.2 40.2 40.2 40.2 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 34 39 39.3 39.3 39.3 39.3 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 Male Female Ages Male 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 Female 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 6 11 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 7 12 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 8 13 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 9 14 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 10 15 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 11 16 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 12 17 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 13 18 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 14 19 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 15 20 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 16 21 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 17 22 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 18 23 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 19 24 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 20 25 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 21 26 51.2 51.2 51.2 51.2 51.2 51.2 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 22 27 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 23 28 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 24 29 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.3 48.3 25 30 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 26 31 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 27 32 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 28 33 44.7 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 29 34 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 30 35 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 31 36 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 32 37 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 33 38 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.0 34 39 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.1 39.1 Male Female Ages Male 35 36 37 38 39 40 41 42 43 44 45 46 47 Female 40 41 42 43 44 45 46 47 48 49 50 51 52 35 40 46.2 45.7 45.3 44.8 44.4 44.0 43.6 43.3 43.0 42.6 42.3 42.0 41.8 36 41 45.7 45.2 44.8 44.3 43.9 43.5 43.1 42.7 42.3 42.0 41.7 41.4 41.1 37 42 45.3 44.8 44.3 43.8 43.4 42.9 42.5 42.1 41.8 41.4 41.1 40.7 40.4 38 43 44.8 44.3 43.8 43.3 42.9 42.4 42.0 41.6 41.2 40.8 40.5 40.1 39.8 39 44 44.4 43.9 43.4 42.9 42.4 41.9 41.5 41.0 40.6 40.2 39.9 39.5 39.2 40 45 44.0 43.5 42.9 42.4 41.9 41.4 41.0 40.5 40.1 39.7 39.3 38.9 38.6 41 46 43.6 43.1 42.5 42.0 41.5 41.0 40.5 40.0 39.6 39.2 38.8 38.4 38.0 42 47 43.3 42.7 42.1 41.6 41.0 40.5 40.0 39.6 39.1 38.7 38.2 37.8 37.5 43 48 43.0 42.3 41.8 41.2 40.6 40.1 39.6 39.1 38.6 38.2 37.7 37.3 36.9 44 49 42.6 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.2 37.7 37.2 36.8 36.4 45 50 42.3 41.7 41.1 40.5 39.9 39.3 38.8 38.2 37.7 37.2 36.8 36.3 35.9 46 51 42.0 41.4 40.7 40.1 39.5 38.9 38.4 37.8 37.3 36.8 36.3 35.9 35.4 47 52 41.8 41.1 40.4 39.8 39.2 38.6 38.0 37.5 36.9 36.4 35.9 35.4 35.0 Male Female Ages Male 48 49 50 51 52 53 54 55 56 57 58 59 60 Female 53 54 55 56 57 58 59 60 61 62 63 64 65 35 40 41.5 41.3 41.0 40.8 40.6 40.4 40.3 40.1 40.0 39.8 39.7 39.6 39.5 36 41 40.8 40.6 40.3 40.1 39.9 39.7 39.5 39.3 39.2 39.0 38.9 38.8 38.6 37 42 40.2 39.9 39.6 39.4 39.2 39.0 38.8 38.6 38.4 38.3 38.1 38.0 37.9 38 43 39.5 39.2 39.0 38.7 38.5 38.3 38.1 37.9 37.7 37.5 37.3 37.2 37.1 39 44 38.9 38.6 38.3 38.0 37.8 37.6 37.3 37.1 36.9 36.8 36.6 36.4 36.3 40 45 38.3 38.0 37.7 37.4 37.1 36.9 36.6 36.4 36.2 36.0 35.9 35.7 35.5 41 46 37.7 37.3 37.0 36.7 36.5 36.2 36.0 35.7 35.5 35.3 35.1 35.0 34.8 42 47 37.1 36.8 36.4 36.1 35.8 35.6 35.3 35.1 34.8 34.6 34.4 34.2 34.1 43 48 36.5 36.2 35.8 35.5 35.2 34.9 34.7 34.4 34.2 33.9 33.7 33.5 33.3 44 49 36.0 35.6 35.3 34.9 34.6 34.3 34.0 33.8 33.5 33.3 33.0 32.8 32.6 45 50 35.5 35.1 34.7 34.4 34.0 33.7 33.4 33.1 32.9 32.6 32.4 32.2 31.9 46 51 35.0 34.6 34.2 33.8 33.5 33.1 32.8 32.5 32.2 32.0 31.7 31.5 31.3 47 52 34.5 34.1 33.7 33.3 32.9 32.6 32.2 31.9 31.6 31.4 31.1 30.9 30.6 48 53 34.0 33.6 33.2 32.8 32.4 32.0 31.7 31.4 31.1 30.8 30.5 30.2 30.0 49 54 33.6 33.1 32.7 32.3 31.9 31.5 31.2 30.8 30.5 30.2 29.9 29.6 29.4 50 55 33.2 32.7 32.3 31.8 31.4 31.0 30.6 30.3 29.9 29.6 29.3 29.0 28.8 51 56 32.8 32.3 31.8 31.4 30.9 30.5 30.1 29.8 29.4 29.1 28.8 28.5 28.2 52 57 32.4 31.9 31.4 30.9 30.5 30.1 29.7 29.3 28.9 28.6 28.2 27.9 27.6 53 58 32.0 31.5 31.0 30.5 30.1 29.6 29.2 28.8 28.4 28.1 27.7 27.4 27.1 54 59 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.3 27.9 27.6 27.2 26.9 26.5 55 60 31.4 30.8 30.3 29.8 29.3 28.8 28.3 27.9 27.5 27.1 26.7 26.4 26.0 56 61 31.1 30.5 29.9 29.4 28.9 28.4 27.9 27.5 27.1 26.7 26.3 25.9 25.5 57 62 30.8 30.2 29.6 29.1 28.6 28.1 27.6 27.1 26.7 26.2 25.8 25.4 25.1 58 63 30.5 29.9 29.3 28.8 28.2 27.7 27.2 26.7 26.3 25.8 25.4 25.0 24.6 59 64 30.2 29.6 29.0 28.5 27.9 27.4 26.9 26.4 25.9 25.4 25.0 24.6 24.2 60 65 30.0 29.4 28.8 28.2 27.6 27.1 26.5 26.0 25.5 25.1 24.6 24.2 23.8 Male Female Ages Male 61 62 63 64 65 66 67 68 69 70 71 72 73 Female 66 67 68 69 70 71 72 73 74 75 76 77 78 35 40 39.4 39.3 39.2 39.1 39.0 38.9 38.9 38.8 38.8 38.7 38.7 38.6 38.6 36 41 38.5 38.4 38.3 38.2 38.2 38.1 38.0 38.0 37.9 37.9 37.8 37.8 37.7 37 42 37.7 37.6 37.5 37.4 37.3 37.3 37.2 37.1 37.1 37.0 36.9 36.9 36.9 38 43 36.9 36.8 36.7 36.6 36.5 36.4 36.4 36.3 36.2 36.2 36.1 36.0 36.0 39 44 36.2 36.0 35.9 35.8 35.7 35.6 35.5 35.5 35.4 35.3 35.3 35.2 35.2 40 45 35.4 35.3 35.1 35.0 34.9 34.8 34.7 34.6 34.6 34.5 34.4 34.4 34.3 41 46 34.6 34.5 34.4 34.2 34.1 34.0 33.9 33.8 33.8 33.7 33.6 33.5 33.5 42 47 33.9 33.7 33.6 33.5 33.4 33.2 33.1 33.0 33.0 32.9 32.8 32.7 32.7 43 48 33.2 33.0 32.9 32.7 32.6 32.5 32.4 32.3 32.2 32.1 32.0 31.9 31.9 44 49 32.5 32.3 32.1 32.0 31.8 31.7 31.6 31.5 31.4 31.3 31.2 31.1 31.1 45 50 31.8 31.6 31.4 31.3 31.1 31.0 30.8 30.7 30.6 30.5 30.4 30.4 30.3 46 51 31.1 30.9 30.7 30.5 30.4 30.2 30.1 30.0 29.9 29.8 29.7 29.6 29.5 47 52 30.4 30.2 30.0 29.8 29.7 29.5 29.4 29.3 29.1 29.0 28.9 28.8 28.7 48 53 29.8 29.5 29.3 29.2 29.0 28.8 28.7 28.5 28.4 28.3 28.2 28.1 28.0 49 54 29.1 28.9 28.7 28.5 28.3 28.1 28.0 27.8 27.7 27.6 27.5 27.4 27.3 50 55 28.5 28.3 28.1 27.8 27.6 27.5 27.3 27.1 27.0 26.9 26.7 26.6 26.5 51 56 27.9 27.7 27.4 27.2 27.0 26.8 26.6 26.5 26.3 26.2 26.0 25.9 25.8 52 57 27.3 27.1 26.8 26.6 26.4 26.2 26.0 25.8 25.7 25.5 25.4 25.2 25.1 53 58 26.8 26.5 26.2 26.0 25.8 25.6 25.4 25.2 25.0 24.8 24.7 24.6 24.4 54 59 26.2 25.9 25.7 25.4 25.2 25.0 24.7 24.6 24.4 24.2 24.0 23.9 23.8 55 60 25.7 25.4 25.1 24.9 24.6 24.4 24.1 23.9 23.8 23.6 23.4 23.3 23.1 56 61 25.2 24.9 24.6 24.3 24.1 23.8 23.6 23.4 23.2 23.0 22.8 22.6 22.5 57 62 24.7 24.4 24.1 23.8 23.5 23.3 23.0 22.8 22.6 22.4 22.2 22.0 21.9 58 63 24.3 23.9 23.6 23.3 23.0 22.7 22.5 22.2 22.0 21.8 21.6 21.4 21.3 59 64 23.8 23.5 23.1 22.8 22.5 22.2 21.9 21.7 21.5 21.2 21.0 20.9 20.7 60 65 23.4 23.0 22.7 22.3 22.0 21.7 21.4 21.2 20.9 20.7 20.5 20.3 20.1 61 66 23.0 22.6 22.2 21.9 21.6 21.3 21.0 20.7 20.4 20.2 20.0 19.8 19.6 62 67 22.6 22.2 21.8 21.5 21.1 20.8 20.5 20.2 19.9 19.7 19.5 19.2 19.0 63 68 22.2 21.8 21.4 21.1 20.7 20.4 20.1 19.8 19.5 19.2 19.0 18.7 18.5 64 69 21.9 21.5 21.1 20.7 20.3 20.0 19.6 19.3 19.0 18.7 18.5 18.2 18.0 65 70 21.6 21.1 20.7 20.3 19.9 19.6 19.2 18.9 18.6 18.3 18.0 17.8 17.5 66 71 21.3 20.8 20.4 20.0 19.6 19.2 18.8 18.5 18.2 17.9 17.6 17.3 17.1 67 72 21.0 20.5 20.1 19.6 19.2 18.8 18.5 18.1 17.8 17.5 17.2 16.9 16.7 68 73 20.7 20.2 19.8 19.3 18.9 18.5 18.1 17.8 17.4 17.1 16.8 16.5 16.2 69 74 20.4 19.9 19.5 19.0 18.6 18.2 17.8 17.4 17.1 16.7 16.4 16.1 15.8 70 75 20.2 19.7 19.2 18.7 18.3 17.9 17.5 17.1 16.7 16.4 16.1 15.8 15.5 71 76 20.0 19.5 19.0 18.5 18.0 17.6 17.2 16.8 16.4 16.1 15.7 15.4 15.1 72 77 19.8 19.2 18.7 18.2 17.8 17.3 16.9 16.5 16.1 15.8 15.4 15.1 14.8 73 78 19.6 19.0 18.5 18.0 17.5 17.1 16.7 16.2 15.8 15.5 15.1 14.8 14.4 Male Female Ages Male 74 75 76 77 78 79 80 81 82 83 84 85 Female 79 80 81 82 83 84 85 86 87 88 89 90 35 40 38.6 38.5 38.5 38.5 38.4 38.4 38.4 38.4 38.4 38.4 38.3 38.3 36 41 37.7 37.6 37.6 37.6 37.6 27.5 37.5 37.5 37.5 37.5 37.5 37.4 37 42 36.8 36.8 36.7 36.7 36.7 36.7 36.6 36.6 36.6 36.6 36.6 36.6 38 43 36.0 35.9 35.9 35.9 35.8 35.8 35.8 35.8 35.7 35.7 35.7 35.7 39 44 35.1 35.1 35.0 35.0 35.0 34.9 34.9 34.9 34.9 34.8 34.8 34.8 40 45 34.3 34.2 34.2 34.1 34.1 34.1 34.1 34.0 34.0 34.0 34.0 34.0 41 46 33.4 33.4 33.3 33.3 33.3 33.2 33.2 33.2 33.2 33.1 33.1 33.1 42 47 32.6 32.6 32.5 32.5 32.4 32.4 32.4 32.3 32.3 32.3 32.3 32.3 43 48 31.8 31.8 31.7 31.7 31.6 31.6 31.5 31.5 31.5 31.5 31.4 31.4 44 49 31.0 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.7 30.6 30.6 30.6 45 50 30.2 30.1 30.1 30.0 30.0 29.9 29.9 29.9 29.8 29.8 29.8 29.8 46 51 29.4 29.4 29.3 29.2 29.2 29.2 29.1 29.1 29.0 29.0 29.0 28.9 47 52 28.7 28.6 28.5 28.5 28.4 28.4 28.3 28.3 28.2 28.2 28.2 28.1 48 53 27.9 27.8 27.8 27.7 27.6 27.6 27.5 27.5 27.5 27.4 27.4 27.4 49 54 27.2 27.1 27.0 26.9 26.9 26.8 26.8 26.7 26.7 26.6 26.6 26.6 50 55 26.4 26.3 26.3 26.2 26.1 26.1 26.0 26.0 25.9 25.9 25.8 25.8 51 56 25.7 25.6 25.5 25.5 25.4 25.3 25.3 25.2 25.2 25.1 25.1 25.0 52 57 25.0 24.9 24.8 24.7 24.7 24.6 24.5 24.5 24.4 24.4 24.3 24.3 53 58 24.3 24.2 24.1 24.0 23.9 23.9 23.8 23.7 23.7 23.6 23.6 23.5 54 59 23.6 23.5 23.4 23.3 23.2 23.2 23.1 23.0 23.0 22.9 22.9 22.8 55 60 23.0 22.9 22.8 22.7 22.6 22.5 22.4 22.3 22.3 22.2 22.2 22.1 56 61 22.3 22.2 22.1 22.0 21.9 21.8 21.7 21.6 21.6 21.5 21.5 21.4 57 62 21.7 21.6 21.5 21.3 21.2 21.1 21.1 21.0 20.9 20.8 20.8 20.7 58 63 21.1 21.0 20.8 20.7 20.6 20.5 20.4 20.3 20.2 20.2 20.1 20.0 59 64 20.5 20.4 20.2 20.1 20.0 19.9 19.8 19.7 19.6 19.5 19.4 19.4 60 65 19.9 19.8 19.6 19.5 19.4 19.3 19.1 19.0 19.0 18.9 18.8 18.7 61 66 19.4 19.2 19.1 18.9 18.8 18.7 18.5 18.4 18.3 18.3 18.2 18.1 62 67 18.8 18.7 18.5 18.3 18.2 18.1 18.0 17.8 17.7 17.7 17.6 17.5 63 68 18.3 18.1 18.0 17.8 17.6 17.5 17.4 17.3 17.2 17.1 17.0 16.9 64 69 17.8 17.6 17.4 17.3 17.1 17.0 16.8 16.7 16.6 16.5 16.4 16.3 65 70 17.3 17.1 16.9 16.7 16.6 16.4 16.3 16.2 16.0 15.9 15.8 15.8 66 71 16.9 16.6 16.4 16.3 16.1 15.9 15.8 15.6 15.5 15.4 15.3 15.2 67 72 16.4 16.2 16.0 15.8 15.6 15.4 15.3 15.1 15.0 14.9 14.8 14.7 68 73 16.0 15.7 15.5 15.3 15.1 15.0 14.8 14.6 14.5 14.4 14.3 14.2 69 74 15.6 15.3 15.1 14.9 14.7 14.5 14.3 14.2 14.0 13.9 13.8 13.7 70 75 15.2 14.9 14.7 14.5 14.3 14.1 13.9 13.7 13.6 13.4 13.3 13.2 71 76 14.8 14.5 14.3 14.1 13.8 13.6 13.5 13.3 13.1 13.0 12.8 12.7 72 77 14.5 14.2 13.9 13.7 13.5 13.2 13.0 12.9 12.7 12.5 12.4 12.3 73 78 14.1 13.8 13.6 13.3 13.1 12.9 12.7 12.5 12.3 12.1 12.0 11.8 74 79 13.8 13.5 13.2 13.0 12.7 12.5 12.3 12.1 11.9 11.7 11.6 11.4 75 80 13.5 13.2 12.9 12.6 12.4 12.2 11.9 11.7 11.5 11.4 11.2 11.0 76 81 13.2 12.9 12.6 12.3 12.1 11.8 11.6 11.4 11.2 11.0 10.8 10.7 77 82 13.0 12.6 12.3 12.1 11.8 11.5 11.3 11.1 10.8 10.7 10.5 10.3 78 83 12.7 12.4 12.1 11.8 11.5 11.2 11.0 10.7 10.5 10.3 10.1 10.0 79 84 12.5 12.2 11.8 11.5 11.2 11.0 10.7 10.5 10.2 10.0 9.8 9.6 80 85 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.2 10.0 9.7 9.5 9.3 81 86 12.1 11.7 11.4 11.1 10.7 10.5 10.2 9.9 9.7 9.5 9.3 9.1 82 87 11.9 11.5 11.2 10.8 10.5 10.2 10.0 9.7 9.4 9.2 9.0 8.8 83 88 11.7 11.4 11.0 10.7 10.3 10.0 9.7 9.5 9.2 9.0 8.7 8.5 84 89 11.6 11.2 10.8 10.5 10.1 9.8 9.5 9.3 9.0 8.7 8.5 8.3 85 90 11.4 11.0 10.7 10.3 10.0 9.6 9.3 9.1 8.8 8.5 8.3 8.1 Male Female Ages Male 86 87 88 89 90 91 92 93 94 95 96 97 Female 91 92 93 94 95 96 97 98 99 100 101 102 35 40 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 36 41 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37 42 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 38 43 35.7 35.7 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 39 44 34.8 34.8 34.8 34.8 34.8 34.8 34.7 34.7 34.7 34.7 34.7 34.7 40 45 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 41 46 33.1 33.1 33.1 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 42 47 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.1 32.1 32.1 43 48 31.4 31.4 31.4 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 44 49 30.6 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.4 45 50 29.7 29.7 29.7 29.7 29.7 29.7 29.7 29.6 29.6 29.6 29.6 29.6 46 51 28.9 28.9 28.9 28.9 28.9 28.8 28.8 28.8 28.8 28.8 28.8 28.8 47 52 28.1 28.1 28.1 28.1 28.0 28.0 28.0 28.0 28.0 28.0 28.0 28.0 48 53 27.3 27.3 27.3 27.3 27.2 27.2 27.2 27.2 27.2 27.2 27.2 27.2 49 54 26.5 26.5 26.5 26.5 26.5 26.4 26.4 26.4 26.4 26.4 26.4 26.4 50 55 25.8 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6 25.6 51 56 25.0 25.0 24.9 24.9 24.9 24.9 24.9 24.9 24.8 24.8 24.8 24.8 52 57 24.3 24.2 24.2 24.2 24.1 24.1 24.1 24.1 24.1 24.1 24.1 24.0 53 58 23.5 23.5 23.4 23.4 23.4 23.4 23.4 23.3 23.3 23.3 23.3 23.3 54 59 22.8 22.7 22.7 22.7 22.7 22.6 22.6 22.6 22.6 22.6 22.6 22.5 55 60 22.1 22.0 22.0 22.0 21.9 21.9 21.9 21.9 21.8 21.8 21.8 21.8 56 61 21.4 21.3 21.3 21.3 21.2 21.2 21.2 21.1 21.1 21.1 21.1 21.1 57 62 20.7 20.6 20.6 20.6 20.5 20.5 20.5 20.4 20.4 20.4 20.4 20.4 58 63 20.0 19.9 19.9 19.9 19.8 19.8 19.8 19.8 19.7 19.7 19.7 19.7 59 64 19.3 19.3 19.2 19.2 19.2 19.1 19.1 19.1 19.0 19.0 19.0 19.0 Male Female Ages Male 98 99 100 101 102 103 104 105 106 107 108 Female 103 104 105 106 107 108 109 110 111 112 113 35 40 38.3 38.3 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.2 38.2 36 41 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.3 37 42 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 38 43 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 39 44 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 40 45 33.9 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 41 46 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 42 47 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 43 48 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 44 49 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 45 50 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 46 51 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.7 47 52 28.0 28.0 28.0 28.0 28.0 28.0 28.0 27.9 27.9 27.9 27.9 48 53 27.2 27.2 27.2 27.2 27.2 27.1 27.1 27.1 27.1 27.1 27.1 49 54 26.4 26.4 26.4 26.4 26.4 26.3 26.3 26.3 26.3 26.3 26.3 50 55 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.5 25.5 25.5 51 56 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7 52 57 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 53 58 23.3 23.3 23.3 23.3 23.3 23.3 23.2 23.2 23.2 23.2 23.2 54 59 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 55 60 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.7 21.7 56 61 21.1 21.1 21.1 21.1 21.1 21.0 21.0 21.0 21.0 21.0 21.0 57 62 20.4 20.4 20.4 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 58 63 19.7 19.7 19.7 19.6 19.6 19.6 19.6 19.6 19.6 19.6 19.6 59 64 19.0 19.0 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.9 Male Female Ages Male 86 87 88 89 90 91 92 93 94 95 96 97 Female 91 92 93 94 95 96 97 98 99 100 101 102 60 65 18.7 18.6 18.6 18.5 18.5 18.5 18.4 18.4 18.4 18.4 18.3 18.3 61 66 18.1 18.0 17.9 17.9 17.9 17.8 17.8 17.8 17.7 17.7 17.7 17.7 62 67 17.4 17.4 17.3 17.3 17.2 17.2 17.1 17.1 17.1 17.1 17.0 17.0 63 68 16.8 16.8 16.7 16.7 16.6 16.6 16.5 16.5 16.5 16.4 16.4 16.4 64 69 16.2 16.2 16.1 16.1 16.0 16.0 15.9 15.9 15.9 15.8 15.8 15.8 65 70 15.7 15.6 15.5 15.5 15.4 15.4 15.3 15.3 15.3 15.2 15.2 15.2 66 71 15.1 15.0 15.0 14.9 14.8 14.8 14.7 14.7 14.7 14.6 14.6 14.6 67 72 14.6 14.5 14.4 14.4 14.3 14.2 14.2 14.1 14.1 14.1 14.1 14.0 68 73 14.1 14.0 13.9 13.8 13.8 13.7 13.6 13.6 13.6 13.5 13.5 13.5 69 74 13.6 13.5 13.4 13.3 13.2 13.2 13.1 13.1 13.0 13.0 13.0 12.9 70 75 13.1 13.0 12.9 12.8 12.7 12.7 12.6 12.5 12.5 12.5 12.4 12.4 71 76 12.6 12.5 12.4 12.3 12.2 12.2 12.1 12.1 12.0 12.0 11.9 11.9 72 77 12.1 12.0 11.9 11.8 11.8 11.7 11.6 11.6 11.5 11.5 11.4 11.4 73 78 11.7 11.6 11.5 11.4 11.3 11.2 11.2 11.1 11.0 11.0 11.0 10.9 74 79 11.3 11.2 11.1 11.0 10.9 10.8 10.7 10.7 10.6 10.6 10.5 10.5 75 80 10.9 10.8 10.7 10.5 10.5 10.4 10.3 10.2 10.2 10.1 10.1 10.0 76 81 10.5 10.4 10.3 10.2 10.1 10.0 9.9 9.8 9.7 9.7 9.7 9.6 77 82 10.2 10.0 9.9 9.8 9.7 9.6 9.5 9.4 9.3 9.3 9.2 9.2 78 83 9.8 9.7 9.5 9.4 9.3 9.2 9.1 9.0 9.0 8.9 8.9 8.8 79 84 9.5 9.3 9.2 9.2 8.9 8.8 8.8 8.7 8.6 8.5 8.5 8.4 80 85 9.2 9.0 8.9 8.7 8.6 8.5 8.4 8.3 8.3 8.2 8.1 8.1 81 86 8.9 8.7 8.6 8.4 8.3 8.2 8.1 8.0 7.9 7.9 7.8 7.7 82 87 8.6 8.4 8.3 8.1 8.0 7.9 7.8 7.7 7.6 7.5 7.5 7.4 83 88 8.3 8.2 8.0 7.9 7.7 7.6 7.5 7.4 7.3 7.2 7.2 7.1 84 89 8.1 7.9 7.8 7.6 7.5 7.3 7.2 7.1 7.0 7.0 6.9 6.8 Male Female Ages Male 98 99 100 101 102 103 104 105 106 107 108 Female 103 104 105 106 107 108 109 110 111 112 113 60 65 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2 61 66 17.7 17.7 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.5 62 67 17.0 17.0 17.0 17.0 17.0 17.0 16.9 16.9 16.9 16.9 16.9 63 68 16.4 16.4 16.4 16.3 16.3 16.3 16.3 16.3 16.3 16.3 16.2 64 69 15.8 15.8 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.6 65 70 15.2 15.2 15.1 15.1 15.1 15.1 15.1 15.1 15.1 15.0 15.0 66 71 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4 67 72 14.0 14.0 14.0 14.0 13.9 13.9 13.9 13.9 13.9 13.9 13.8 68 73 13.5 13.4 13.4 13.4 13.4 13.4 13.3 13.3 13.3 13.3 13.2 69 74 12.9 12.9 12.9 12.8 12.8 12.8 12.8 12.8 12.8 12.7 12.7 70 75 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2 12.2 12.2 12.1 71 76 11.9 11.9 11.8 11.8 11.8 11.8 11.7 11.7 11.7 11.7 11.6 72 77 11.4 11.4 11.3 11.3 11.3 11.3 11.2 11.2 11.2 11.2 11.1 73 78 10.9 10.9 10.9 10.8 10.8 10.8 10.7 10.7 10.7 10.7 10.6 74 79 10.5 10.4 10.4 10.4 10.3 10.3 10.3 10.3 10.2 10.2 10.1 75 80 10.0 10.0 9.9 9.9 9.9 9.8 9.8 9.8 9.8 9.7 76 81 9.6 9.5 9.5 9.5 9.4 9.4 9.4 9.4 9.3 9.3 77 82 9.2 9.1 9.1 9.1 9.0 9.0 9.0 8.9 8.9 8.9 78 83 8.8 8.7 8.7 8.7 8.6 8.6 8.5 8.5 8.5 8.4 79 84 8.4 8.4 8.3 8.3 8.2 8.2 8.2 8.1 8.1 8.0 80 85 8.0 8.0 7.9 7.9 7.9 7.8 7.8 7.7 7.7 7.6 81 86 7.7 7.6 7.6 7.6 7.5 7.5 7.4 7.4 7.3 7.3 82 87 7.4 7.3 7.3 7.2 7.2 7.1 7.1 7.0 7.0 6.9 83 88 7.1 7.0 6.9 6.9 6.8 6.8 6.7 6.7 6.7 6.6 84 89 6.8 6.7 6.6 6.6 6.5 6.5 6.4 6.4 6.3 Male Female Ages Male 86 87 88 89 90 91 92 93 94 95 96 Female 91 92 93 94 95 96 97 98 99 100 101 85 90 7.9 7.7 7.5 7.4 7.2 7.1 7.0 6.9 6.8 6.7 6.6 86 91 7.7 7.5 7.3 7.1 7.0 6.8 6.7 6.6 6.5 6.4 6.4 87 92 7.5 7.3 7.1 6.9 6.8 6.6 6.5 6.4 6.3 6.2 6.1 88 93 7.3 7.1 6.9 6.7 6.6 6.4 6.3 6.2 6.1 6.0 5.9 89 94 7.1 6.9 6.7 6.5 6.4 6.2 6.1 6.0 5.9 5.8 5.7 90 95 7.0 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.6 5.5 91 96 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.5 5.4 5.3 92 97 6.7 6.5 6.3 6.1 5.9 5.8 5.6 5.5 5.4 5.3 5.2 93 98 6.6 6.4 6.2 6.0 5.8 5.7 5.5 5.4 5.2 5.1 5.0 94 99 6.5 6.3 6.1 5.9 5.7 5.5 5.4 5.2 5.1 5.0 4.9 95 100 6.4 6.2 6.0 5.8 5.6 5.4 5.3 5.1 5.0 4.9 4.7 96 101 6.4 6.1 5.9 5.7 5.5 5.3 5.2 5.0 4.9 4.7 4.6 97 102 6.3 6.1 5.8 5.6 5.4 5.2 5.1 4.9 4.8 4.6 4.5 98 103 6.2 6.0 5.8 5.5 5.3 5.1 5.0 4.8 4.7 4.5 4.4 99 104 6.2 5.9 5.7 5.5 5.2 5.1 4.9 4.7 4.6 4.4 4.3 Male Female Ages Male 97 98 99 100 101 102 103 104 105 106 Female 102 103 104 105 106 107 108 109 110 111 85 90 6.6 6.5 6.4 6.4 6.3 6.2 6.2 6.1 6.1 6.0 86 91 6.3 6.2 6.2 6.1 6.0 6.0 5.9 5.9 5.8 5.7 87 92 6.1 6.0 5.9 5.8 5.8 5.7 5.6 5.6 5.5 5.4 88 93 5.8 5.8 5.7 5.6 5.5 5.5 5.4 5.3 5.3 5.1 89 94 5.6 5.5 5.5 5.4 5.3 5.2 5.2 5.1 5.0 90 95 5.4 5.3 5.2 5.2 5.1 5.0 4.9 4.9 4.8 91 96 5.2 5.1 5.1 5.0 4.9 4.8 4.7 4.6 4.5 92 97 5.1 5.0 4.9 4.8 4.7 4.6 4.5 4.4 93 98 4.9 4.8 4.7 4.6 4.5 4.4 4.3 4.2 94 99 4.8 4.7 4.6 4.5 4.4 4.3 4.1 95 100 4.6 4.5 4.4 4.3 4.2 4.1 4.0 96 101 4.5 4.4 4.3 4.2 4.1 3.9 97 102 4.4 4.3 4.1 4.0 3.9 3.7 98 103 4.3 4.1 4.0 3.9 3.7 99 104 4.1 4.0 3.9 3.7 Table IIa - Annuities for Joint Life Only - Two Lives - Expected Return Multiples
Male Female Ages Male 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Female 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 6 11 56.6 56.1 55.7 55.1 54.6 54.1 53.5 52.9 52.3 51.7 51.1 50.5 49.8 49.1 48.4 7 12 56.1 55.7 55.2 54.7 54.2 53.7 53.1 52.6 52.0 51.4 50.8 50.2 49.5 48.9 48.2 8 13 55.7 55.2 54.8 54.3 53.8 53.3 52.8 52.2 51.6 51.1 50.5 49.9 49.2 48.6 47.9 9 14 55.1 54.7 54.3 53.8 53.3 52.9 52.3 51.8 51.3 50.7 50.1 49.5 48.9 48.3 47.7 10 15 54.6 54.2 53.8 53.3 52.9 52.4 51.9 51.4 50.9 50.3 49.8 49.2 48.6 48.0 47.4 11 16 54.1 53.7 53.3 52.9 52.4 52.0 51.5 51.0 50.5 50.0 49.4 48.8 48.3 47.7 47.1 12 17 53.5 53.1 52.8 52.3 51.9 51.5 51.0 50.6 50.1 49.6 49.0 48.5 47.9 47.3 46.7 13 18 52.9 52.6 52.2 51.8 51.4 51.0 50.6 50.1 49.6 49.1 48.6 48.1 47.5 47.0 46.4 14 19 52.3 52.0 51.6 51.3 50.9 50.5 50.1 49.6 49.2 48.7 48.2 47.7 47.2 46.6 46.1 15 20 51.7 51.4 51.1 50.7 50.3 50.0 49.6 49.1 48.7 48.2 47.8 47.3 46.8 46.2 45.7 16 21 51.1 50.8 50.5 50.1 49.8 49.4 49.0 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.3 17 22 50.5 50.2 49.9 49.5 49.2 48.8 48.5 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.9 18 23 49.8 49.5 49.2 48.9 48.6 48.3 47.9 47.5 47.2 46.8 46.3 45.9 45.4 45.0 44.5 19 24 49.1 48.9 48.6 48.3 48.0 47.7 47.3 47.0 46.6 46.2 45.8 45.4 45.0 44.5 44.0 20 25 48.4 48.2 47.9 47.7 47.4 47.1 46.7 46.4 46.1 45.7 45.3 44.9 44.5 44.0 43.6 Male Female Ages Male 21 22 23 24 25 26 27 28 29 30 31 32 33 34 Female 26 27 28 29 30 31 32 33 34 35 36 37 38 39 6 11 47.7 47.0 46.3 45.6 44.8 44.1 43.3 42.5 41.8 41.0 40.2 39.4 38.6 37.8 7 12 47.5 46.8 46.1 45.4 44.6 43.9 43.2 42.4 41.6 40.9 40.1 39.3 38.5 37.7 8 13 47.3 46.6 45.9 45.2 44.5 43.7 43.0 42.2 41.5 40.7 39.9 39.2 38.4 37.6 9 14 47.0 46.3 45.6 45.0 44.2 43.5 42.8 42.1 41.3 40.6 39.8 39.0 38.3 37.5 10 15 46.7 46.1 45.4 44.7 44.0 43.3 42.6 41.9 41.1 40.4 39.7 38.9 38.1 37.4 11 16 46.4 45.8 45.1 44.5 43.8 43.1 42.4 41.7 41.0 40.2 39.5 38.8 38.0 37.2 12 17 46.1 45.5 44.9 44.2 43.6 42.9 42.2 41.5 40.8 40.1 39.3 38.6 37.9 37.1 13 18 45.8 45.2 44.6 43.9 43.3 42.6 42.0 41.3 40.6 39.9 39.2 38.4 37.7 37.0 14 19 45.5 44.9 44.3 43.7 43.0 42.4 41.7 41.0 40.4 39.7 39.0 38.3 37.5 36.8 15 20 45.1 44.6 44.0 43.4 42.7 42.1 41.5 40.8 40.1 39.5 38.8 38.1 37.4 36.6 16 21 44.8 44.2 43.6 43.0 42.4 41.8 41.2 40.5 39.9 39.2 38.6 37.9 37.2 36.5 17 22 44.4 43.8 43.3 42.7 42.1 41.5 40.9 40.3 39.6 39.0 38.3 37.7 37.0 36.3 18 23 44.0 43.5 42.9 42.4 41.8 41.2 40.6 40.0 39.4 38.7 38.1 37.4 36.8 36.1 19 24 43.6 43.1 42.5 42.0 41.4 40.9 40.3 39.7 39.1 38.5 37.8 37.2 36.5 35.9 20 25 43.1 42.6 42.1 41.6 41.1 40.5 40.0 39.4 38.8 38.2 37.6 36.9 36.3 35.7 21 26 42.7 42.2 41.7 41.2 40.7 40.2 39.6 39.1 38.5 37.9 37.3 36.7 36.1 35.4 22 27 42.2 41.8 41.3 40.8 40.3 39.8 39.3 38.7 38.2 37.6 37.0 36.4 35.8 35.2 23 28 41.7 41.3 40.8 40.4 39.9 39.4 38.9 38.4 37.8 37.3 36.7 36.1 35.5 34.9 24 29 41.2 40.8 40.4 39.9 39.5 39.0 38.5 38.0 37.5 36.9 36.4 35.8 35.2 34.6 25 30 40.7 40.3 39.9 39.5 39.0 38.6 38.1 37.6 37.1 36.6 36.0 35.5 34.9 34.4 26 31 40.2 39.8 39.4 39.0 38.6 38.1 37.7 37.2 36.7 36.2 35.7 35.2 34.6 34.1 27 32 39.6 39.3 38.9 38.5 38.1 37.7 37.2 36.8 36.3 35.8 35.3 34.8 34.3 33.7 28 33 39.1 38.7 38.4 38.0 37.6 37.2 36.8 36.3 35.9 35.4 34.9 34.5 33.9 33.4 29 34 38.5 38.2 37.8 37.5 37.1 36.7 36.3 35.9 35.5 35.0 34.6 34.1 33.6 33.1 30 35 37.9 37.6 37.3 36.9 36.6 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2 32.7 31 36 37.3 37.0 36.7 36.4 36.0 35.7 35.3 34.9 34.6 34.1 33.7 33.3 32.8 32.3 32 37 36.7 36.4 36.1 35.8 35.5 35.2 34.8 34.5 34.1 33.7 33.3 32.9 32.4 32.0 33 38 36.1 35.8 35.5 35.2 34.9 34.6 34.3 33.9 33.6 33.2 32.8 32.4 32.0 31.6 34 39 35.4 35.2 34.9 34.6 34.4 34.1 33.7 33.4 33.1 32.7 32.3 32.0 31.6 31.1 Male Female Ages Male 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 Female 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 6 11 37.0 36.2 35.4 34.6 33.8 33.0 32.2 31.4 30.6 29.8 29.0 28.2 27.5 26.7 25.9 7 12 36.9 36.1 35.3 34.5 33.7 32.9 32.1 31.3 30.5 29.8 29.0 28.2 27.4 26.7 25.9 8 13 36.8 36.0 35.2 34.4 33.7 32.9 32.1 31.3 30.5 29.7 28.9 28.2 27.4 26.6 25.9 9 14 36.7 35.9 35.1 34.4 33.6 32.8 32.0 31.2 30.4 29.7 28.9 28.1 27.3 26.6 25.8 10 15 36.6 35.8 35.1 34.3 33.5 32.7 31.9 31.2 30.4 29.6 28.8 28.1 27.3 26.5 25.8 11 16 36.5 35.7 34.9 34.2 33.4 32.6 31.9 31.1 30.3 29.5 28.8 28.0 27.3 26.5 25.7 12 17 36.4 35.6 34.8 34.1 33.3 32.5 31.8 31.0 30.2 29.5 28.7 28.0 27.2 26.4 25.7 13 18 36.2 35.5 34.7 34.0 33.2 32.4 31.7 30.9 30.2 29.4 28.7 27.9 27.1 26.4 25.7 14 19 36.1 35.3 34.6 33.8 33.1 32.3 31.6 30.8 30.1 29.3 28.6 27.8 27.1 26.3 25.6 15 20 35.9 35.2 34.5 33.7 33.0 32.2 31.5 30.7 30.0 29.3 28.5 27.8 27.0 26.3 25.6 16 21 35.8 35.0 34.3 33.6 32.9 32.1 31.4 30.6 29.9 29.2 28.4 27.7 27.0 26.2 25.5 17 22 35.6 34.9 34.2 33.4 32.7 32.0 31.3 30.5 29.8 29.1 28.3 27.6 26.9 26.2 25.4 18 23 35.4 34.7 34.0 33.3 32.6 31.9 31.2 30.4 29.7 29.0 28.3 27.5 26.8 26.1 25.4 19 24 35.2 34.5 33.8 33.1 32.4 31.7 31.0 30.3 29.6 28.9 28.2 27.4 26.7 26.0 25.3 20 25 35.0 34.3 33.7 33.0 32.3 31.6 30.9 30.2 29.5 28.8 28.1 27.3 26.6 25.9 25.2 21 26 34.8 34.1 33.5 32.8 32.1 31.4 30.7 30.0 29.3 28.6 27.9 27.2 26.5 25.8 25.1 22 27 34.5 33.9 33.3 32.6 31.9 31.3 30.6 29.9 29.2 28.5 27.8 27.1 26.4 25.7 25.1 23 28 34.3 33.7 33.0 32.4 31.7 31.1 30.4 29.7 29.1 28.4 27.7 27.0 26.3 25.6 25.0 24 29 34.0 33.4 32.8 32.2 31.5 30.9 30.2 29.6 28.9 28.2 27.6 26.9 26.2 25.5 24.9 25 30 33.8 33.2 32.6 32.0 31.3 30.7 30.1 29.4 28.8 28.1 27.4 26.8 26.1 25.4 24.8 26 31 33.5 32.9 32.3 31.7 31.1 30.5 29.9 29.2 28.6 27.9 27.3 26.6 26.0 25.3 24.6 27 32 33.2 32.6 32.1 31.5 30.9 30.3 29.6 29.0 28.4 27.8 27.1 26.5 25.8 25.2 24.5 28 33 32.9 32.3 31.8 31.2 30.6 30.0 29.4 28.8 28.2 27.6 27.0 26.3 25.7 25.0 24.4 29 34 32.6 32.0 31.5 30.9 30.4 29.8 29.2 28.6 28.0 27.4 26.8 26.2 25.5 24.9 24.3 30 35 32.2 31.7 31.2 30.6 30.1 29.5 29.0 28.4 27.8 27.2 26.6 26.0 25.4 24.7 24.1 31 36 31.9 31.4 30.9 30.3 29.8 29.3 28.7 28.1 27.6 27.0 26.4 25.8 25.2 24.6 24.0 32 37 31.5 31.0 30.5 30.0 29.5 29.0 28.4 27.9 27.3 26.8 26.2 25.6 25.0 24.4 23.8 33 38 31.1 30.7 30.2 29.7 29.2 28.7 28.2 27.6 27.1 26.5 26.0 25.4 24.8 24.2 23.6 34 39 30.7 30.3 29.8 29.3 28.9 28.4 27.9 27.3 26.8 26.3 25.7 25.2 24.6 24.0 23.5 Male Female Ages Male 50 51 52 53 54 55 56 57 58 59 60 61 62 63 Female 55 56 57 58 59 60 61 62 63 64 65 66 67 68 6 11 25.2 24.4 23.7 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1 7 12 25.1 24.4 23.6 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1 8 13 25.1 24.4 23.6 22.9 22.2 21.4 20.7 20.0 19.4 18.7 18.0 17.4 16.7 16.1 9 14 25.1 24.3 23.6 22.9 22.1 21.4 20.7 20.0 19.3 18.7 18.0 17.3 16.7 16.1 10 15 25.0 24.3 23.6 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1 11 16 25.0 24.3 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1 12 17 25.0 24.2 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.0 13 18 24.9 24.2 23.5 22.7 22.0 21.3 20.6 19.9 19.3 18.6 17.9 17.3 16.7 16.0 14 19 24.9 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.6 17.9 17.3 16.6 16.0 15 20 24.8 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.5 17.9 17.3 16.6 16.0 16 21 24.8 24.0 23.3 22.6 21.9 21.2 20.5 19.9 19.2 18.5 17.9 17.2 16.6 16.0 17 22 24.7 24.0 23.3 22.6 21.9 21.2 20.5 19.8 19.2 18.5 17.8 17.2 16.6 16.0 18 23 24.7 23.9 23.2 22.5 21.8 21.1 20.5 19.8 19.1 18.5 17.8 17.2 16.6 15.9 19 24 24.6 23.9 23.2 22.5 21.8 21.1 20.4 19.8 19.1 18.4 17.8 17.2 16.5 15.9 20 25 24.5 23.8 23.1 22.4 21.7 21.1 20.4 19.7 19.1 18.4 17.8 17.1 16.5 15.9 21 26 24.4 23.7 23.1 22.4 21.7 21.0 20.3 19.7 19.0 18.4 17.7 17.1 16.5 15.9 22 27 24.4 23.7 23.0 22.3 21.6 21.0 20.3 19.6 19.0 18.3 17.7 17.1 16.5 15.9 23 28 24.3 23.6 22.9 22.2 21.6 20.9 20.2 19.6 18.9 18.3 17.7 17.0 16.4 15.8 24 29 24.2 23.5 22.8 22.2 21.5 20.8 20.2 19.5 18.9 18.3 17.6 17.0 16.4 15.8 25 30 24.1 23.4 22.8 22.1 21.4 20.8 20.1 19.5 18.8 18.2 17.6 17.0 16.4 15.8 26 31 24.0 23.3 22.7 22.0 21.4 20.7 20.1 19.4 18.8 18.2 17.5 16.9 16.3 15.7 27 32 23.9 23.2 22.6 21.9 21.3 20.6 20.0 19.4 18.7 18.1 17.5 16.9 16.3 15.7 28 33 23.8 23.1 22.5 21.8 21.2 20.6 19.9 19.3 18.7 18.1 17.4 16.8 16.2 15.6 29 34 23.6 23.0 22.4 21.7 21.1 20.5 19.8 19.2 18.6 18.0 17.4 16.8 16.2 15.6 30 35 23.5 22.9 22.3 21.6 21.0 20.4 19.8 19.1 18.5 17.9 17.3 16.7 16.1 15.6 31 36 23.4 22.7 22.1 21.5 20.9 20.3 19.7 19.1 18.5 17.9 17.3 16.7 16.1 15.5 32 37 23.2 22.6 22.0 21.4 20.8 20.2 19.6 19.0 18.4 17.8 17.2 16.6 16.0 15.5 33 38 23.1 22.5 21.9 21.3 20.7 20.1 19.5 18.9 18.3 17.7 17.1 16.5 16.0 15.4 34 39 22.9 22.3 21.7 21.1 20.5 20.0 19.4 18.8 18.2 17.6 17.0 16.5 15.9 15.3 Male Female Ages Male 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 Female 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 6 11 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2 7 12 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2 8 13 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2 9 14 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2 10 15 15.4 14.8 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2 11 16 15.4 14.8 14.2 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2 12 17 15.4 14.8 14.2 13.7 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2 13 18 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2 14 19 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2 15 20 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2 16 21 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2 17 22 15.4 14.8 14.2 13.6 13.0 12.5 12.0 11.5 10.9 10.5 10.0 9.5 9.1 8.6 8.2 18 23 15.3 14.7 14.2 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2 19 24 15.3 14.7 14.1 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2 20 25 15.3 14.7 14.1 13.6 13.0 12.5 11.9 11.4 10.9 10.4 10.0 9.5 9.0 8.6 8.2 21 26 15.3 14.7 14.1 13.5 13.0 12.5 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2 22 27 15.3 14.7 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2 23 28 15.2 14.6 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2 24 29 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2 25 30 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2 26 31 15.1 14.6 14.0 13.4 12.9 12.4 11.9 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2 27 32 15.1 14.5 14.0 13.4 12.9 12.4 11.8 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2 28 33 15.1 14.5 13.9 13.4 12.9 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.6 8.1 29 34 15.0 14.5 13.9 13.4 12.8 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.5 8.1 30 35 15.0 14.4 13.9 13.3 12.8 12.3 11.8 11.3 10.8 10.3 9.8 9.4 9.0 8.5 8.1 31 36 14.9 14.4 13.8 13.3 12.8 12.2 11.7 11.2 10.8 10.3 9.8 9.4 8.9 8.5 8.1 32 37 14.9 14.3 13.8 13.3 12.7 12.2 11.7 11.2 10.7 10.3 9.8 9.4 8.9 8.5 8.1 33 38 14.8 14.3 13.8 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1 34 39 14.8 14.2 13.7 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1 Male Female Ages Male 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 Female 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 6 11 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 7 12 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 8 13 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 9 14 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 10 15 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 11 16 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 12 17 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5 13 18 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.1 4.8 4.5 4.2 4.0 3.7 3.5 14 19 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 15 20 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 16 21 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 17 22 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 18 23 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 19 24 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 20 25 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 21 26 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 22 27 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 23 28 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5 24 29 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 25 30 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 26 31 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 27 32 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 28 33 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 29 34 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 30 35 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 31 36 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 32 37 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5 33 38 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.5 4.2 3.9 3.7 3.5 34 39 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.4 4.2 3.9 3.7 3.5 Male Female Ages Male 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 Female 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 6 11 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 7 12 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 8 13 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 9 14 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 10 15 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 11 16 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 12 17 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 13 18 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 14 19 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 15 20 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 16 21 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 17 22 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 18 23 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 19 24 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 20 25 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 21 26 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 22 27 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 23 28 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 24 29 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 25 30 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 26 31 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 27 32 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 28 33 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 29 34 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 30 35 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 31 36 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 32 37 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 33 38 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 34 39 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 Male Female Ages Male 35 36 37 38 39 40 41 42 43 44 45 46 47 Female 40 41 42 43 44 45 46 47 48 49 50 51 52 35 40 30.3 29.9 29.4 29.0 28.5 28.0 27.5 27.0 26.5 26.0 25.5 24.9 24.4 36 41 29.9 29.5 29.0 28.6 28.2 27.7 27.2 26.7 26.2 25.7 25.2 24.7 24.2 37 42 29.4 29.0 28.6 28.2 27.8 27.3 26.9 26.4 25.9 25.5 25.0 24.4 23.9 38 43 29.0 28.6 28.2 27.8 27.4 27.0 26.5 26.1 25.6 25.2 24.7 24.2 23.7 39 44 28.5 28.2 27.8 27.4 27.0 26.6 26.2 25.8 25.3 24.8 24.4 23.9 23.4 40 45 28.0 27.7 27.3 27.0 26.6 26.2 25.8 25.4 25.0 24.5 24.1 23.6 23.1 41 46 27.5 27.2 26.9 26.5 26.2 25.8 25.4 25.0 24.6 24.2 23.8 23.3 22.9 42 47 27.0 26.7 26.4 26.1 25.8 25.4 25.0 24.6 24.2 23.8 23.4 23.0 22.6 43 48 26.5 26.2 25.9 25.6 25.3 25.0 24.6 24.2 23.9 23.5 23.1 22.7 22.2 44 49 26.0 25.7 25.5 25.2 24.8 24.5 24.2 23.8 23.5 23.1 22.7 22.3 21.9 45 50 25.5 25.2 25.0 24.7 24.4 24.1 23.8 23.4 23.1 22.7 22.4 22.0 21.6 46 51 24.9 24.7 24.4 24.2 23.9 23.6 23.3 23.0 22.7 22.3 22.0 21.6 21.2 47 52 24.4 24.2 23.9 23.7 23.4 23.1 22.9 22.6 22.2 21.9 21.6 21.2 20.9 Male Female Ages Male 48 49 50 51 52 53 54 55 56 57 58 59 60 Female 53 54 55 56 57 58 59 60 61 62 63 64 65 35 40 23.8 23.3 22.7 22.1 21.6 21.0 20.4 19.8 19.3 18.7 18.1 17.5 17.0 36 41 23.6 23.1 22.5 22.0 21.4 20.8 20.3 19.7 19.1 18.6 18.0 17.4 16.9 37 42 23.4 22.9 22.3 21.8 21.2 20.7 20.1 19.6 19.0 18.4 17.9 17.3 16.8 38 43 23.2 22.6 22.1 21.6 21.1 20.5 20.0 19.4 18.9 18.3 17.8 17.2 16.7 39 44 22.9 22.4 21.9 21.4 20.9 20.3 19.8 19.3 18.7 18.2 17.7 17.1 16.6 40 45 22.7 22.2 21.7 21.2 20.7 20.1 19.6 19.1 18.6 18.0 17.5 17.0 16.5 41 46 22.4 21.9 21.4 20.9 20.4 19.9 19.4 18.9 18.4 17.9 17.4 16.9 16.3 42 47 22.1 21.6 21.2 20.7 20.2 19.7 19.2 18.7 18.2 17.7 17.2 16.7 16.2 43 48 21.8 21.4 20.9 20.5 20.0 19.5 19.0 18.6 18.1 17.6 17.1 16.6 16.1 44 49 21.5 21.1 20.6 20.2 19.8 19.3 18.8 18.4 17.9 17.4 16.9 16.4 15.9 45 50 21.2 20.8 20.4 19.9 19.5 19.1 18.6 18.1 17.7 17.2 16.7 16.3 15.8 46 51 20.9 20.5 20.1 19.7 19.2 18.8 18.4 17.9 17.5 17.0 16.6 16.1 15.6 47 52 20.5 20.1 19.8 19.4 19.0 18.5 18.1 17.7 17.3 16.8 16.4 15.9 15.5 48 53 20.2 19.8 19.4 19.1 18.7 18.3 17.9 17.5 17.0 16.6 16.2 15.7 15.3 49 54 19.8 19.5 19.1 18.8 18.4 18.0 17.6 17.2 16.8 16.4 16.0 15.5 15.1 50 55 19.4 19.1 18.8 18.4 18.1 17.7 17.3 16.9 16.6 16.2 15.8 15.3 14.9 51 56 19.1 18.8 18.4 18.1 17.8 17.4 17.0 16.7 16.3 15.9 15.5 15.1 14.7 52 57 18.7 18.4 18.1 17.8 17.4 17.1 16.8 16.4 16.0 15.7 15.3 14.9 14.5 53 58 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.1 15.8 15.4 15.1 14.7 14.3 54 59 17.9 17.6 17.3 17.0 16.8 16.4 16.1 15.8 15.5 15.1 14.8 14.4 14.1 55 60 17.5 17.2 16.9 16.7 16.4 16.1 15.8 15.5 15.2 14.9 14.5 14.2 13.9 56 61 17.0 16.8 16.6 16.3 16.0 15.8 15.5 15.2 14.9 14.6 14.3 13.9 13.6 57 62 16.6 16.4 16.2 15.9 15.7 15.4 15.1 14.9 14.6 14.3 14.0 13.7 13.4 58 63 16.2 16.0 15.8 15.5 15.3 15.1 14.8 14.5 14.3 14.0 13.7 13.4 13.1 59 64 15.7 15.5 15.3 15.1 14.9 14.7 14.4 14.2 13.9 13.7 13.4 13.1 12.8 60 65 15.3 15.1 14.9 14.7 14.5 14.3 14.1 13.9 13.6 13.4 13.1 12.8 12.6 Male Female Ages Male 61 62 63 64 65 66 67 68 69 70 71 72 73 Female 66 67 68 69 70 71 72 73 74 74 76 77 78 35 40 16.4 15.8 15.3 14.7 14.2 13.7 13.1 12.6 12.1 11.6 11.1 10.7 10.2 36 41 16.3 15.8 15.2 14.7 14.1 13.6 13.1 12.6 12.1 11.6 11.1 10.6 10.2 37 42 16.2 15.7 15.1 14.6 14.1 13.6 13.0 12.5 12.0 11.5 11.1 10.6 10.1 38 43 16.1 15.6 15.1 14.5 14.0 13.5 13.0 12.5 12.0 11.5 11.0 10.6 10.1 39 44 16.0 15.5 15.0 14.5 13.9 13.4 12.9 12.4 11.9 11.5 11.0 10.5 10.1 40 45 15.9 15.4 14.9 14.4 13.9 13.4 12.9 12.4 11.9 11.4 11.0 10.5 10.0 41 46 15.8 15.3 14.8 14.3 13.8 13.3 12.8 12.3 11.8 11.4 10.9 10.5 10.0 42 47 15.7 15.2 14.7 14.2 13.7 13.2 12.7 12.3 11.8 11.3 10.9 10.4 10.0 43 48 15.6 15.1 14.6 14.1 13.6 13.1 12.7 12.2 11.7 11.3 10.8 10.4 9.9 44 49 15.5 15.0 14.5 14.0 13.5 13.1 12.6 12.1 11.7 11.2 10.8 10.3 9.9 45 50 15.3 14.8 14.4 13.9 13.4 13.0 12.5 12.0 11.6 11.1 10.7 10.3 9.8 46 51 15.2 14.7 14.2 13.8 13.3 12.9 12.4 12.0 11.5 11.1 10.6 10.2 9.8 47 52 15.0 14.6 14.1 13.7 13.2 12.8 12.3 11.9 11.4 11.0 10.6 10.1 9.7 48 53 14.9 14.4 14.0 13.5 13.1 12.6 12.2 11.8 11.3 10.9 10.5 10.1 9.7 49 54 14.7 14.3 13.8 13.4 13.0 12.5 12.1 11.7 11.3 10.8 10.4 10.0 9.6 50 55 14.5 14.1 13.7 13.3 12.8 12.4 12.0 11.6 11.2 10.7 10.3 9.9 9.5 51 56 14.3 13.9 13.5 13.1 12.7 12.3 11.9 11.5 11.1 10.7 10.3 9.9 9.5 52 57 14.1 13.7 13.3 12.9 12.5 12.1 11.7 11.3 10.9 10.6 10.2 9.8 9.4 53 58 13.9 13.6 13.2 12.8 12.4 12.0 11.6 11.2 10.8 10.5 10.1 9.7 9.3 54 59 13.7 13.4 13.0 12.6 12.2 11.9 11.5 11.1 10.7 10.3 10.0 9.6 9.2 55 60 13.5 13.2 12.8 12.4 12.1 11.7 11.3 11.0 10.6 10.2 9.9 9.5 9.1 56 61 13.3 12.9 12.6 12.2 11.9 11.5 11.2 10.8 10.5 10.1 9.8 9.4 9.0 57 62 13.0 12.7 12.4 12.1 11.7 11.4 11.0 10.7 10.3 10.0 9.6 9.3 8.9 58 63 12.8 12.5 12.2 11.8 11.5 11.2 10.9 10.5 10.2 9.8 9.5 9.2 8.8 59 64 12.6 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.0 9.7 9.4 9.1 8.7 60 65 12.3 12.0 11.7 11.4 11.1 10.8 10.5 10.2 9.9 9.6 9.3 8.9 8.6 61 66 12.0 11.8 11.5 11.2 10.9 10.6 10.3 10.0 9.7 9.4 9.1 8.8 8.5 62 67 11.8 11.5 11.2 11.0 10.7 10.4 10.1 9.8 9.6 9.3 9.0 8.7 8.4 63 68 11.5 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4 9.1 8.8 8.5 8.2 64 69 11.2 11.0 10.7 10.5 10.2 10.0 9.7 9.5 9.2 8.9 8.7 8.4 8.1 65 70 10.9 10.7 10.5 10.2 10.0 9.8 9.5 9.3 9.0 8.8 8.5 8.2 8.0 66 71 10.6 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8 8.6 8.3 8.1 7.8 67 72 10.3 10.1 9.9 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.1 7.9 7.7 68 73 10.0 9.8 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.2 8.0 7.7 7.5 69 74 9.7 9.6 9.4 9.2 9.0 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.3 70 75 9.4 9.3 9.1 8.9 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.4 7.2 71 76 9.1 9.0 8.8 8.7 8.5 8.3 8.1 8.0 7.8 7.6 7.4 7.2 7.0 72 77 8.8 8.7 8.5 8.4 8.2 8.1 7.9 7.7 7.6 7.4 7.2 7.0 6.8 73 78 8.5 8.4 8.2 8.1 8.0 7.8 7.7 7.5 7.3 7.2 7.0 6.8 6.7 Male Female Ages Male 74 75 76 77 78 79 80 81 82 83 84 85 86 Female 79 80 81 82 83 84 85 86 87 88 89 90 91 35 40 9.7 9.3 8.9 8.5 8.1 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 36 41 9.7 9.3 8.9 8.4 8.0 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 37 42 9.7 9.3 8.8 8.4 8.0 7.6 7.3 6.9 6.5 6.2 5.9 5.6 5.3 38 43 9.7 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3 39 44 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3 40 45 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.5 5.2 41 46 9.6 9.2 8.7 8.3 7.9 7.6 7.2 6.8 6.5 6.2 5.8 5.5 5.2 42 47 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.2 5.8 5.5 5.2 43 48 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.1 5.8 5.5 5.2 44 49 9.5 9.0 8.6 8.2 7.9 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2 45 50 9.4 9.0 8.6 8.2 7.8 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2 46 51 9.4 9.0 8.6 8.2 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2 47 52 9.3 8.9 8.5 8.1 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2 48 53 9.3 8.9 8.5 8.1 7.7 7.4 7.0 6.7 6.4 6.0 5.7 5.4 5.1 49 54 9.2 8.8 8.4 8.1 7.7 7.3 7.0 6.7 6.3 6.0 5.7 5.4 5.1 50 55 9.1 8.8 8.4 8.0 7.7 7.3 7.0 6.6 6.3 6.0 5.7 5.4 5.1 51 56 9.1 8.7 8.3 8.0 7.6 7.3 6.9 6.6 6.3 6.0 5.7 5.4 5.1 52 57 9.0 8.6 8.3 7.9 7.6 7.2 6.9 6.6 6.2 5.9 5.6 5.4 5.1 53 58 8.9 8.6 8.2 7.9 7.5 7.2 6.9 6.5 6.2 5.9 5.6 5.3 5.1 54 59 8.9 8.5 8.2 7.8 7.5 7.1 6.8 6.5 6.2 5.9 5.6 5.3 5.0 55 60 8.8 8.4 8.1 7.7 7.4 7.1 6.8 6.4 6.1 5.8 5.6 5.3 5.0 56 61 8.7 8.4 8.0 7.7 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.3 5.0 57 62 8.6 8.3 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.2 5.0 58 63 8.5 8.2 7.9 7.5 7.2 6.9 6.6 6.3 6.0 5.7 5.5 5.2 4.9 59 64 8.4 8.1 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.7 5.4 5.2 4.9 60 65 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9 5.6 5.4 5.1 4.9 61 66 8.2 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.9 5.6 5.3 5.1 4.8 62 67 8.1 7.8 7.5 7.2 6.9 6.6 6.4 6.1 5.8 5.5 5.3 5.0 4.8 63 68 8.0 7.7 7.4 7.1 6.8 6.6 6.3 6.0 5.7 5.5 5.2 5.0 4.7 64 69 7.8 7.6 7.3 7.0 6.7 6.5 6.2 5.9 5.7 5.4 5.2 4.9 4.7 65 70 7.7 7.4 7.2 6.9 6.6 6.4 6.1 5.9 5.6 5.4 5.1 4.9 4.7 66 71 7.6 7.3 7.1 6.8 6.5 6.3 6.0 5.8 5.5 5.3 5.1 4.8 4.6 67 72 7.4 7.2 6.9 6.7 6.4 6.2 6.0 5.7 5.5 5.2 5.0 4.8 4.6 68 73 7.3 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4 5.2 4.9 4.7 4.5 69 74 7.1 6.9 6.7 6.4 6.2 6.0 5.8 5.5 5.3 5.1 4.9 4.7 4.5 70 75 7.0 6.8 6.5 6.3 6.1 5.9 5.7 5.4 5.2 5.0 4.8 4.6 4.4 71 76 6.8 6.6 6.4 6.2 6.0 5.8 5.6 5.3 5.1 4.9 4.7 4.5 4.3 72 77 6.6 6.4 6.3 6.1 5.9 5.7 5.5 5.3 5.0 4.9 4.7 4.5 4.3 73 78 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1 5.0 4.8 4.6 4.4 4.2 74 79 6.3 6.1 6.0 5.8 5.6 5.4 5.2 5.0 4.9 4.7 4.5 4.3 4.1 75 80 6.1 6.0 5.8 5.6 5.5 5.3 5.1 4.9 4.8 4.6 4.4 4.2 4.1 76 81 6.0 5.8 5.6 5.5 5.3 5.2 5.0 4.8 4.7 4.5 4.3 4.1 4.0 77 82 5.8 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.5 4.4 4.2 4.1 3.9 78 83 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.6 4.4 4.3 4.1 4.0 3.8 79 84 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.0 3.9 3.7 80 85 5.2 5.1 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.6 81 86 5.0 4.9 4.8 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.7 3.6 82 87 4.9 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0 3.8 3.7 3.6 3.5 83 88 4.7 4.6 4.5 4.4 4.3 4.2 4.1 3.9 3.8 3.7 3.6 3.5 3.4 84 89 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3 85 90 4.3 4.2 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3 3.2 86 91 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.6 3.5 3.4 3.3 3.2 3.1 Male Female Ages Male 87 88 89 90 91 92 93 94 95 96 97 Female 92 93 94 95 96 97 98 99 100 101 102 35 40 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 36 41 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 37 42 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 38 43 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.8 2.6 39 44 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6 40 45 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6 41 46 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6 42 47 4.9 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6 43 48 4.9 4.7 4.4 4.1 3.9 3.7 3.5 3.2 3.0 2.8 2.6 44 49 4.9 4.7 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6 45 50 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6 46 51 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6 47 52 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6 48 53 4.9 4.6 4.4 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6 49 54 4.9 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6 50 55 4.8 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6 51 56 4.8 4.6 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6 52 57 4.8 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6 53 58 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 54 59 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 55 60 4.7 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 56 61 4.7 4.5 4.2 4.0 3.8 3.6 3.3 3.1 2.9 2.8 2.6 57 62 4.7 4.5 4.2 4.0 3.8 3.5 3.3 3.1 2.9 2.7 2.6 58 63 4.7 4.4 4.2 4.0 3.7 3.5 3.3 3.1 2.9 2.7 2.5 59 64 4.6 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5 Male Female Ages Male 98 99 100 101 102 103 104 105 106 107 108 Female 103 104 105 106 107 108 109 110 111 112 113 35 40 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 36 41 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7 37 42 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 38 43 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 39 44 2.4 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 40 45 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 41 46 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 42 47 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 43 48 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 44 49 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7 45 50 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7 46 51 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7 47 52 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7 48 53 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7 49 54 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7 50 55 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 51 56 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 52 57 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 53 58 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 54 59 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 55 60 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7 56 61 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7 57 62 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7 58 63 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7 59 64 2.3 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7 Male Female Ages Male 87 88 89 90 91 92 93 94 95 96 97 Female 92 93 94 95 96 97 98 99 100 101 102 60 65 4.6 4.4 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5 61 66 4.6 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5 62 67 4.5 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5 63 68 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5 64 69 4.5 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5 65 70 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.5 66 71 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.4 67 72 4.3 4.1 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.4 68 73 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4 69 74 4.2 4.0 3.8 3.6 3.5 3.3 3.1 2.9 2.7 2.6 2.4 70 75 4.2 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.5 2.4 71 76 4.1 3.9 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5 2.3 72 77 4.1 3.9 3.7 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.3 73 78 4.0 3.8 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.5 2.3 74 79 3.9 3.8 3.6 3.4 3.3 3.1 2.9 2.8 2.6 2.4 2.3 75 80 3.9 3.7 3.5 3.4 3.2 3.0 2.9 2.7 2.6 2.4 2.2 76 81 3.8 3.6 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.4 2.2 77 82 3.7 3.6 3.4 3.3 3.1 3.0 2.8 2.6 2.5 2.3 2.2 78 83 3.7 3.5 3.4 3.2 3.1 2.9 2.7 2.6 2.4 2.3 2.1 79 84 3.6 3.4 3.3 3.1 3.0 2.8 2.7 2.5 2.4 2.2 2.1 80 85 3.5 3.4 3.2 3.1 2.9 2.8 2.6 2.5 2.3 2.2 2.0 81 86 3.4 3.3 3.1 3.0 2.9 2.7 2.6 2.4 2.3 2.1 2.0 82 87 3.3 3.2 3.1 2.9 2.8 2.7 2.5 2.4 2.2 2.1 2.0 83 88 3.2 3.1 3.0 2.9 2.7 2.6 2.5 2.3 2.2 2.0 1.9 84 89 3.1 3.0 2.9 2.8 2.7 2.5 2.4 2.3 2.1 2.0 1.9 Male Female Ages Male 98 99 100 101 102 103 104 105 106 107 108 Female 103 104 105 106 107 108 109 110 111 112 113 60 65 2.3 2.1 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7 61 66 2.3 2.1 2.0 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7 62 67 2.3 2.1 1.9 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7 63 68 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7 64 69 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7 65 70 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7 66 71 2.3 2.1 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7 67 72 2.2 2.1 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7 68 73 2.2 2.0 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7 69 74 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6 70 75 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6 71 76 2.2 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.7 0.6 72 77 2.1 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 0.6 73 78 2.1 1.9 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6 74 79 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6 75 80 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7 76 81 2.0 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7 77 82 2.0 1.8 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7 78 83 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7 79 84 1.9 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7 80 85 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.9 0.7 0.7 81 86 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.8 0.7 0.6 82 87 1.8 1.7 1.5 1.4 1.2 1.1 1.0 0.8 0.7 0.6 83 88 1.8 1.6 1.5 1.3 1.2 1.1 0.9 0.8 0.7 0.6 84 89 1.7 1.6 1.4 1.3 1.2 1.0 0.9 0.8 0.7 Male Female Ages Male 87 88 89 90 91 92 93 94 95 96 Female 92 93 94 95 96 97 98 99 100 101 85 90 3.1 2.9 2.8 2.7 2.6 2.5 2.3 2.2 2.1 1.9 86 91 3.0 2.8 2.7 2.6 2.5 2.4 2.3 2.1 2.0 1.9 87 92 2.9 2.8 2.6 2.5 2.4 2.3 2.2 2.1 1.9 1.8 88 93 2.8 2.7 2.6 2.4 2.3 2.2 2.1 2.0 1.9 1.7 89 94 2.6 2.6 2.5 2.4 2.2 2.1 2.0 1.9 1.8 1.7 90 95 2.5 2.4 2.4 2.3 2.2 2.0 1.9 1.8 1.7 1.6 91 96 2.4 2.3 2.2 2.2 2.1 2.0 1.9 1.7 1.6 1.5 92 97 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.7 1.6 1.5 93 98 2.2 2.1 2.0 1.9 1.9 1.8 1.7 1.6 1.5 1.4 94 99 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.5 1.4 1.3 95 100 1.9 1.9 1.8 1.7 1.6 1.6 1.5 1.4 1.3 1.2 96 101 1.8 1.7 1.7 1.6 1.5 1.5 1.4 1.3 1.2 1.1 97 102 1.7 1.6 1.6 1.5 1.4 1.4 1.3 1.2 1.1 1.1 98 103 1.6 1.5 1.4 1.4 1.3 1.3 1.2 1.1 1.0 1.0 99 104 1.4 1.4 1.3 1.3 1.2 1.1 1.1 1.0 1.0 0.9 Male Female Ages Male 97 98 99 100 101 102 103 104 105 106 Female 102 103 104 105 106 107 108 109 110 111 85 90 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7 86 91 1.7 1.6 1.5 1.3 1.2 1.1 1.0 0.8 0.7 0.7 87 92 1.7 1.6 1.4 1.3 1.2 1.1 0.9 0.8 0.7 0.6 88 93 1.6 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.6 89 94 1.6 1.4 1.3 1.2 1.1 1.0 0.9 0.7 0.7 90 95 1.5 1.4 1.3 1.2 1.0 0.9 0.8 0.7 0.6 91 96 1.4 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 92 97 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.7 93 98 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6 94 99 1.2 1.1 1.0 0.9 0.8 0.7 0.7 95 100 1.1 1.0 1.0 0.9 0.8 0.7 0.6 96 101 1.1 1.0 0.9 0.8 0.7 0.7 97 102 1.0 0.9 0.8 0.7 0.7 0.6 98 103 0.9 0.8 0.7 0.7 0.6 99 104 0.8 0.7 0.7 0.6 Table III - Percent Value of Refund Feature
Ages Duration of guaranteed amount - [Years] Male Female 1 2 3 4 5 6 7 8 9 10 11 12 13 6 11 1 1 1 1 1 7 12 1 1 1 1 1 8 13 1 1 1 1 1 1 9 14 1 1 1 1 1 1 10 15 1 1 1 1 1 1 11 16 1 1 1 1 1 1 12 17 1 1 1 1 1 1 13 18 1 1 1 1 1 1 14 19 1 1 1 1 1 1 15 20 1 1 1 1 1 1 16 21 1 1 1 1 1 1 17 22 1 1 1 1 1 1 18 23 1 1 1 1 1 1 19 24 1 1 1 1 1 1 20 25 1 1 1 1 1 1 21 26 1 1 1 1 1 1 22 27 1 1 1 1 1 1 1 23 28 1 1 1 1 1 1 1 24 29 1 1 1 1 1 1 1 25 30 1 1 1 1 1 1 1 26 31 1 1 1 1 1 1 1 1 27 32 1 1 1 1 1 1 1 1 28 33 1 1 1 1 1 1 1 1 29 34 1 1 1 1 1 1 1 2 30 35 1 1 1 1 1 1 1 2 2 31 36 1 1 1 1 1 1 1 2 2 32 37 1 1 1 1 1 1 2 2 2 33 38 1 1 1 1 1 1 1 2 2 2 34 39 1 1 1 1 1 1 2 2 2 2 35 40 1 1 1 1 1 2 2 2 2 2 36 41 1 1 1 1 1 2 2 2 2 3 37 42 1 1 1 1 1 2 2 2 2 3 3 38 43 1 1 1 1 1 2 2 2 2 3 3 39 44 1 1 1 1 2 2 2 2 3 3 3 40 45 1 1 1 1 2 2 2 3 3 3 4 41 46 1 1 1 1 2 2 2 3 3 3 4 42 47 1 1 1 2 2 2 3 3 3 4 4 43 48 1 1 1 1 2 2 2 3 3 4 4 4 44 49 1 1 1 1 2 2 3 3 3 4 4 5 45 50 1 1 1 2 2 2 3 3 4 4 5 5 46 51 1 1 1 2 2 3 3 3 4 4 5 5 47 52 1 1 1 2 2 3 3 4 4 5 5 6 48 53 1 1 2 2 2 3 3 4 5 5 6 6 49 54 1 1 2 2 3 3 4 4 5 5 6 7 50 55 1 1 2 2 3 3 4 5 5 6 7 7 51 56 1 1 2 3 3 4 4 5 6 6 7 8 52 57 1 1 2 2 3 3 4 5 5 6 7 8 8 53 58 1 1 2 2 3 4 4 5 6 7 7 8 9 54 59 1 1 2 2 3 4 5 5 6 7 8 9 10 55 60 1 1 2 3 3 4 5 6 7 8 8 9 10 56 61 1 1 2 3 4 4 5 6 7 8 9 10 11 57 62 1 1 2 3 4 5 6 7 8 9 10 11 12 58 63 1 2 2 3 4 5 6 7 8 9 10 12 13 59 64 1 2 3 4 5 6 7 8 9 10 11 12 14 60 65 1 2 3 4 5 6 7 8 10 11 12 13 15 61 66 1 2 3 4 5 6 8 9 10 12 13 14 16 62 67 1 2 3 4 6 7 8 10 11 12 14 15 17 63 68 1 2 4 5 6 7 9 10 12 13 15 16 18 64 69 1 3 4 5 7 8 9 11 13 14 16 17 19 65 70 1 3 4 6 7 9 10 12 13 15 17 19 20 66 71 1 3 4 6 8 9 11 13 14 16 18 20 22 67 72 2 3 5 6 8 10 12 14 15 17 19 21 23 68 73 2 3 5 7 9 11 13 14 16 18 21 23 25 69 74 2 4 6 7 9 11 13 16 18 20 22 24 26 70 75 2 4 6 8 10 12 14 17 19 21 23 26 28 71 76 2 4 6 9 11 13 15 18 20 22 25 27 29 72 77 2 5 7 9 12 14 16 19 21 24 26 29 31 73 78 2 5 7 10 12 15 18 20 23 25 28 30 33 74 79 3 5 8 11 13 16 19 22 24 27 30 32 35 75 80 3 6 8 11 14 17 20 23 26 29 31 34 37 76 81 3 6 9 12 15 18 21 24 27 30 33 36 39 77 82 3 7 10 13 16 20 23 26 29 32 35 38 41 78 83 4 7 11 14 17 21 24 28 31 34 37 40 43 79 84 4 8 11 15 19 22 26 29 33 36 39 42 45 80 85 4 8 12 16 20 24 27 31 34 38 41 44 47 81 86 4 9 13 17 21 25 29 33 36 40 43 46 49 82 87 5 9 14 18 23 27 31 35 38 42 45 48 51 83 88 5 10 15 19 24 28 33 37 40 44 47 50 53 84 89 5 11 16 21 26 30 34 38 42 46 49 52 55 85 90 6 11 17 22 27 32 36 41 44 48 51 55 57 Ages Duration of guaranteed amount - [Years] Male Female 14 15 16 17 18 19 20 21 22 23 24 25 26 6 11 1 1 1 1 1 1 1 1 1 1 2 2 2 7 12 1 1 1 1 1 1 1 1 1 1 2 2 2 8 13 1 1 1 1 1 1 1 1 1 1 2 2 2 9 14 1 1 1 1 1 1 1 1 1 1 2 2 2 10 15 1 1 1 1 1 1 1 1 1 2 2 2 2 11 16 1 1 1 1 1 1 1 1 1 2 2 2 2 12 17 1 1 1 1 1 1 1 1 1 2 2 2 2 13 18 1 1 1 1 1 1 1 1 2 2 2 2 2 14 19 1 1 1 1 1 1 1 1 2 2 2 2 2 15 20 1 1 1 1 1 1 1 1 2 2 2 2 2 16 21 1 1 1 1 1 1 1 2 2 2 2 2 2 17 22 1 1 1 1 1 1 1 2 2 2 2 2 2 18 23 1 1 1 1 1 1 2 2 2 2 2 2 2 19 24 1 1 1 1 1 2 2 2 2 2 2 2 2 20 25 1 1 1 1 1 2 2 2 2 2 2 2 3 21 26 1 1 1 1 2 2 2 2 2 2 2 3 3 22 27 1 1 1 1 2 2 2 2 2 2 3 3 3 23 28 1 1 1 2 2 2 2 2 2 2 3 3 3 24 29 1 1 2 2 2 2 2 2 2 3 3 3 3 25 30 1 1 2 2 2 2 2 2 3 3 3 3 3 26 31 1 2 2 2 2 2 2 3 3 3 3 3 4 27 32 2 2 2 2 2 2 3 3 3 3 3 4 4 28 33 2 2 2 2 2 3 3 3 3 3 4 4 4 29 34 2 2 2 2 2 3 3 3 3 4 4 4 5 30 35 2 2 2 2 3 3 3 3 4 4 4 5 5 31 36 2 2 2 3 3 3 3 4 4 4 5 5 5 32 37 2 2 3 3 3 3 4 4 4 5 5 5 6 33 38 2 3 3 3 3 4 4 4 5 5 5 6 6 34 39 3 3 3 3 4 4 4 5 5 5 6 6 7 35 40 3 3 3 4 4 4 5 5 5 6 6 7 7 36 41 3 3 4 4 4 5 5 5 6 6 7 7 8 37 42 3 3 4 4 4 5 5 6 6 7 7 8 8 38 43 3 4 4 4 5 5 6 6 7 7 8 8 9 39 44 4 4 4 5 5 6 6 7 7 8 8 9 9 40 45 4 4 5 5 6 6 7 7 8 8 9 9 10 41 46 4 5 5 6 6 7 7 8 8 9 9 10 11 42 47 5 5 5 6 6 7 8 8 9 9 10 11 12 43 48 5 6 6 7 8 8 9 9 10 11 12 12 44 49 5 6 6 7 7 8 9 9 10 11 12 12 13 45 50 6 6 7 7 8 9 9 10 11 12 12 13 14 46 51 6 7 7 8 9 9 10 11 12 12 13 14 15 47 52 7 7 8 9 9 10 11 12 12 13 14 15 16 48 53 7 8 8 9 10 11 12 12 13 14 15 16 17 49 54 8 8 9 10 11 11 12 13 14 15 16 17 18 50 55 8 9 10 11 11 12 13 14 15 16 17 18 20 51 56 9 10 10 11 12 13 14 15 16 17 18 20 21 52 57 9 10 11 12 13 14 15 16 17 18 20 21 22 53 58 10 11 12 13 14 15 16 17 19 20 21 22 24 54 59 11 12 13 14 15 16 17 18 20 21 22 24 25 55 60 11 13 14 15 16 17 18 20 21 22 24 25 26 56 61 12 13 15 16 17 18 20 21 22 24 25 27 28 57 62 13 14 16 17 18 20 21 22 24 25 27 28 30 58 63 14 15 17 18 19 21 22 24 25 27 28 30 31 59 64 15 16 18 19 21 22 24 25 27 28 30 31 33 60 65 16 18 19 20 22 24 25 27 28 30 32 33 35 61 66 17 19 20 22 23 25 27 28 30 32 33 35 37 62 67 18 20 22 23 25 27 28 30 32 33 35 37 38 63 68 20 21 23 25 26 28 30 32 33 35 37 39 40 64 69 21 23 24 26 28 30 32 33 35 37 39 41 42 65 70 22 24 26 28 30 32 33 35 37 39 41 42 44 66 71 24 26 28 29 31 33 35 37 39 41 43 44 46 67 72 25 27 29 31 33 35 37 39 41 43 45 46 48 68 73 27 29 31 33 35 37 39 41 43 45 47 48 50 69 74 28 30 33 35 37 39 41 43 45 47 48 50 52 70 75 30 32 34 37 39 41 43 45 47 49 50 52 54 71 76 32 34 36 39 41 43 45 47 49 51 52 54 56 72 77 34 36 38 41 43 45 47 49 51 53 54 56 58 73 78 35 38 40 43 45 47 49 51 53 55 56 58 59 74 79 37 40 42 45 47 49 51 53 55 57 58 60 61 75 80 39 42 44 47 49 51 53 55 57 58 60 62 63 76 81 41 44 46 49 51 53 55 57 59 60 62 63 65 77 82 43 46 48 51 53 55 57 59 61 62 64 65 66 78 83 45 48 50 53 55 57 59 61 62 64 65 67 68 79 84 48 50 53 55 57 59 61 63 64 66 67 68 70 80 85 50 52 55 57 59 61 63 64 66 67 69 70 71 81 86 52 54 57 59 61 63 65 66 68 69 70 72 73 82 87 54 56 59 61 63 65 66 68 69 71 72 73 74 83 88 56 58 61 63 65 66 68 70 71 72 73 74 75 84 89 58 60 63 65 67 68 70 71 73 74 75 76 77 85 90 60 62 65 67 68 70 71 73 74 75 76 77 Ages Duration of guaranteed amount - [Years] Male Female 27 28 29 30 31 32 33 34 35 6 11 2 2 2 2 2 2 2 2 2 7 12 2 2 2 2 2 2 2 2 3 8 13 2 2 2 2 2 2 2 2 3 9 14 2 2 2 2 2 2 2 3 3 10 15 2 2 2 2 2 2 3 3 3 11 16 2 2 2 2 2 2 3 3 3 12 17 2 2 2 2 2 3 3 3 3 13 18 2 2 2 2 2 3 3 3 3 14 19 2 2 2 2 3 3 3 3 3 15 20 2 2 2 3 3 3 3 3 3 16 21 2 2 3 3 3 3 3 3 4 17 22 2 2 3 3 3 3 3 4 4 18 23 2 3 3 3 3 3 4 4 4 19 24 3 3 3 3 3 4 4 4 4 20 25 3 3 3 3 4 4 4 4 5 21 26 3 3 3 4 4 4 4 5 5 22 27 3 3 4 4 4 4 5 5 5 23 28 3 3 4 4 4 5 5 5 5 24 29 3 4 4 4 5 5 5 5 6 25 30 4 4 4 5 5 5 6 6 6 26 31 4 4 5 5 5 6 6 6 7 27 32 4 5 5 5 6 6 6 7 7 28 33 5 5 5 6 6 6 7 7 8 29 34 5 5 6 6 6 7 7 8 8 30 35 5 6 6 6 7 7 8 8 9 31 36 6 6 6 7 7 8 8 9 9 32 37 6 7 7 7 8 8 9 10 10 33 38 7 7 7 8 8 9 10 10 11 34 39 7 8 8 9 9 10 10 11 12 35 40 8 8 9 9 10 10 11 12 12 36 41 8 9 9 10 10 11 12 13 13 37 42 9 9 10 11 11 12 13 13 14 38 43 9 10 11 11 12 13 13 14 15 39 44 10 11 11 12 13 14 14 15 16 40 45 11 11 12 13 14 15 15 16 17 41 46 11 12 13 14 15 16 16 17 18 42 47 12 13 14 15 16 17 18 18 19 43 48 13 14 15 16 17 18 19 20 21 44 49 14 15 16 17 18 19 20 21 22 45 50 15 16 17 18 19 20 21 22 23 46 51 16 17 18 19 20 21 22 24 25 47 52 17 18 19 20 21 23 24 25 26 48 53 18 19 20 22 23 24 25 26 28 49 54 19 21 22 23 24 25 27 28 29 50 55 21 22 23 24 26 27 28 29 31 51 56 22 23 25 26 27 28 30 31 32 52 57 23 25 26 27 29 30 31 33 34 53 58 25 26 28 29 30 32 33 34 36 54 59 26 28 29 31 32 33 35 36 38 55 60 28 29 31 32 34 35 36 38 39 56 61 29 31 32 34 35 37 38 40 41 57 62 31 33 34 36 37 39 40 41 43 58 63 33 34 36 37 39 40 42 43 45 59 64 35 36 38 39 41 42 44 45 47 60 65 36 38 40 41 43 44 46 47 48 61 66 38 40 41 43 44 46 47 49 50 62 67 40 42 43 45 46 48 49 51 52 63 68 42 44 45 47 48 50 51 52 54 64 69 44 46 47 49 50 52 53 54 55 65 70 46 47 49 50 52 53 55 56 57 66 71 48 49 51 52 54 55 56 58 59 67 72 50 51 53 54 56 57 58 59 61 68 73 52 53 55 56 57 59 60 61 62 69 74 53 55 56 58 59 60 62 63 64 70 75 55 57 58 60 61 62 62 64 65 71 76 57 59 60 61 63 64 65 66 67 72 77 59 60 62 63 64 65 66 67 68 73 78 61 62 64 65 66 67 68 69 70 74 79 63 64 65 66 67 68 69 70 71 75 80 64 66 67 68 69 70 71 72 72 76 81 66 67 68 69 70 71 72 73 77 82 68 69 70 71 72 73 74 78 83 69 70 71 72 73 74 79 84 71 72 73 74 75 80 85 72 73 74 75 81 86 74 75 75 82 87 75 76 83 88 76 84 89 85 90 Ages Duration of guaranteed amount - [Years] Male Female 1 2 3 4 5 6 7 8 9 10 11 12 13 14 86 91 6 12 18 24 29 34 38 43 47 50 54 57 59 62 87 92 7 13 19 25 31 36 40 45 49 52 56 59 61 64 88 93 7 14 21 27 32 38 42 47 51 55 58 61 63 66 89 94 8 15 22 28 34 40 45 49 53 57 60 63 65 68 90 95 8 16 23 30 36 42 47 51 55 59 62 65 67 70 91 96 9 17 25 32 38 44 49 53 57 61 64 67 69 71 92 97 9 18 26 34 40 46 51 55 59 63 66 69 71 73 93 98 10 20 28 36 42 48 53 58 62 65 68 70 73 75 94 99 11 21 30 37 44 50 55 60 64 67 70 72 74 76 95 100 12 22 31 39 46 52 58 62 66 69 72 74 76 78 96 101 12 24 33 42 49 55 60 64 68 71 73 76 78 79 97 102 13 25 35 44 51 57 62 66 70 73 75 77 79 98 103 14 27 37 46 54 60 65 69 72 75 77 79 99 104 15 29 40 49 56 62 67 71 74 77 79 100 105 17 31 43 52 59 65 70 74 76 79 101 106 18 33 46 55 63 68 73 76 79 102 107 20 36 49 59 66 71 75 78 103 108 22 40 53 62 69 74 78 104 109 24 43 57 66 73 77 105 110 27 48 61 70 76 106 111 53 66 74 107 112 35 53 71 108 113 40 64 Ages Duration of guaranteed amount - [Years] Male Female 15 16 17 18 19 20 21 22 23 24 25 86 91 64 66 68 70 72 73 74 75 76 77 87 92 66 68 70 72 73 74 76 77 78 88 93 68 70 72 73 75 76 77 78 89 94 70 72 73 75 76 77 78 90 95 72 73 75 76 77 79 91 96 73 75 76 78 79 92 97 75 76 78 79 93 98 76 78 79 94 99 78 79 95 100 79 Table IV - Temporary Life Annuities1 - One Life - Expected Return Multiples
[See footnote at end of table]
Ages Temporary period - maximum duration of annuity - [Years] Male Female 1 2 3 4 5 6 7 8 9 10 0 to 8 0 to 13 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 9 14 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 10 15 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 11 16 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 12 17 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 13 18 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 14 19 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 15 20 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 16 21 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 17 22 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 18 23 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 19 24 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 20 25 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 21 26 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 22 27 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 23 28 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 24 29 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 25 30 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 26 31 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 27 32 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 28 33 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 29 34 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 30 35 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 31 36 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 32 37 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 33 38 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 34 39 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 35 40 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 36 41 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 37 42 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 38 43 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 39 44 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8 40 45 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 41 46 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 42 47 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 43 48 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 44 49 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.7 45 50 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6 46 51 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6 47 52 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6 48 53 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.6 9.5 49 54 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 50 55 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 51 56 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.7 8.6 9.4 52 57 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4 53 58 1.0 2.0 2.9 3.9 4.9 5.8 6.7 7.6 8.5 9.3 54 59 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3 55 60 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.5 8.4 9.2 56 61 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2 57 62 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1 58 63 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.3 9.1 59 64 1.0 2.0 2.9 3.9 4.8 5.7 6.5 7.4 8.2 9.0 60 65 1.0 2.0 2.9 3.8 4.8 5.6 6.5 7.3 8.1 8.9 61 66 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8 62 67 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.8 63 68 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 7.9 8.7 64 69 1.0 1.9 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6 65 70 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.1 7.8 8.5 66 71 1.0 1.9 2.9 3.8 4.6 5.4 6.2 7.0 7.7 8.4 67 72 1.0 1.9 2.9 3.7 4.6 5.4 6.2 6.9 7.6 8.3 68 73 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.2 69 74 1.0 1.9 2.8 3.7 4.5 5.3 6.1 6.8 7.4 8.0 70 75 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9 71 76 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.8 72 77 1.0 1.9 2.8 3.6 4.4 5.2 5.8 6.5 7.1 7.6 73 78 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5 74 79 1.0 1.9 2.8 3.6 4.3 5.0 5.7 6.3 6.8 7.3 75 80 1.0 1.9 2.7 3.5 4.3 5.0 5.6 6.2 6.7 7.1 76 81 1.0 1.9 2.7 3.5 4.2 4.9 5.5 6.1 6.5 7.0 77 82 1.0 1.9 2.7 3.5 4.2 4.8 5.4 5.9 6.4 6.8 78 83 1.0 1.9 2.7 3.4 4.1 4.7 5.3 5.8 6.2 6.6 79 84 1.0 1.8 2.7 3.4 4.1 4.7 5.2 5.7 6.1 6.4 80 85 1.0 1.8 2.6 3.4 4.0 4.6 5.1 5.5 5.9 6.2 81 86 1.0 1.8 2.6 3.3 3.9 4.5 5.0 5.4 5.7 6.0 82 87 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.6 5.8 83 88 .9 1.8 2.6 3.2 3.8 4.3 4.7 5.1 5.4 5.6 84 89 .9 1.8 2.5 3.2 3.7 4.2 4.6 4.9 5.2 5.4 85 90 .9 1.8 2.5 3.1 3.6 4.1 4.5 4.8 5.0 5.2 86 91 .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 5.0 Ages Temporary period - maximum duration of annuity - [Years] Male Female 11 12 13 14 15 16 17 18 19 20 0 to 8 0 to 13 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 9 14 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 10 15 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 11 16 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 12 17 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 13 18 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 14 19 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 15 20 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7 16 21 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7 17 22 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7 18 23 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7 19 24 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7 20 25 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7 21 26 10.9 11.9 12.9 13.8 14.8 15.8 16.8 17.7 18.7 19.6 22 27 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6 23 28 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6 24 29 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6 25 30 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.7 18.6 19.6 26 31 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 27 32 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 28 33 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.5 29 34 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4 30 35 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.4 31 36 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3 32 37 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.4 19.3 33 38 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2 34 39 10.8 11.8 12.7 13.6 14.6 15.5 16.4 17.4 18.3 19.2 35 40 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1 36 41 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0 37 42 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.1 18.9 38 43 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.9 39 44 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.1 17.9 18.8 40 45 10.7 11.6 12.5 13.5 14.4 15.2 16.1 17.0 17.8 18.7 41 46 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6 42 47 10.6 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.7 18.5 43 48 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.6 18.4 44 49 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.7 17.5 18.3 45 50 10.5 11.4 12.3 13.2 14.1 14.9 15.7 16.6 17.4 18.1 46 51 10.5 11.4 12.3 13.2 14.0 14.8 15.7 16.5 17.2 18.0 47 52 10.5 11.4 12.2 13.1 13.9 14.7 15.6 16.3 17.1 17.8 48 53 10.4 11.3 12.2 13.0 13.8 14.7 15.4 16.2 17.0 17.7 49 54 10.4 11.3 12.1 12.9 13.8 14.6 15.3 16.1 16.8 17.5 50 55 10.3 11.2 12.0 12.9 13.7 14.5 15.2 16.0 16.7 17.4 51 56 10.3 11.1 12.0 12.8 13.6 14.3 15.1 15.8 16.5 17.2 52 57 10.2 11.1 11.9 12.7 13.5 14.2 14.9 15.6 16.3 17.0 53 58 10.2 11.0 11.8 12.6 13.4 14.1 14.8 15.5 16.1 16.8 54 59 10.1 10.9 11.7 12.5 13.2 14.0 14.6 15.3 15.9 16.5 55 60 10.1 10.9 11.6 12.4 13.1 13.8 14.5 15.1 15.7 16.3 56 61 10.0 10.8 11.5 12.3 13.0 13.7 14.3 14.9 15.5 16.1 57 62 9.9 10.7 11.4 12.2 12.8 13.5 14.1 14.7 15.3 15.8 58 63 9.8 10.6 11.3 12.0 12.7 13.3 13.9 14.5 15.0 15.5 59 64 9.8 10.5 11.2 11.9 12.5 13.2 13.7 14.3 14.8 15.3 60 65 9.7 10.4 11.1 11.7 12.4 13.0 13.5 14.0 14.5 15.0 61 66 9.6 10.3 11.0 11.6 12.2 12.8 13.3 13.8 14.2 14.7 62 67 9.5 10.2 10.8 11.4 12.0 12.5 13.1 13.5 14.0 14.3 63 68 9.4 10.0 10.7 11.3 11.8 12.3 12.8 13.2 13.7 14.0 64 69 9.3 9.9 10.5 11.1 11.6 12.1 12.5 13.0 13.3 13.7 65 70 9.1 9.8 10.3 10.9 11.4 11.9 12.3 12.7 13.0 13.3 66 71 9.0 9.6 10.2 10.7 11.2 11.6 12.0 12.4 12.7 13.0 67 72 8.9 9.5 10.0 10.5 10.9 11.3 11.7 12.0 12.3 12.6 68 73 8.7 9.3 9.8 10.3 10.7 11.1 11.4 11.7 12.0 12.2 69 74 8.6 9.1 9.6 10.0 10.4 10.8 11.1 11.4 11.6 11.8 70 75 8.4 8.9 9.4 9.8 10.2 10.5 10.8 11.0 11.2 11.4 71 76 8.3 8.7 9.2 9.6 9.9 10.2 10.4 10.7 10.9 11.0 72 77 8.1 8.6 8.9 9.3 9.6 9.9 10.1 10.3 10.5 10.6 73 78 7.9 8.3 8.7 9.0 9.3 9.6 9.8 9.9 10.1 10.2 74 79 7.7 8.1 8.5 8.8 9.0 9.2 9.4 9.6 9.7 9.8 75 80 7.6 7.9 8.2 8.5 8.7 8.9 9.1 9.2 9.3 9.4 76 81 7.4 7.7 8.0 8.2 8.4 8.6 8.7 8.8 8.9 9.0 77 82 7.1 7.5 7.7 7.9 8.1 8.3 8.4 8.5 8.5 8.6 78 83 6.9 7.2 7.4 7.6 7.8 7.9 8.0 8.1 8.2 8.2 79 84 6.7 7.0 7.2 7.3 7.5 7.6 7.7 7.7 7.8 7.8 80 85 6.5 6.7 6.9 7.1 7.2 7.3 7.3 7.4 7.4 7.4 81 86 6.3 6.5 6.6 6.8 6.9 6.9 7.0 7.0 7.1 82 87 6.0 6.2 6.4 6.5 6.5 6.6 6.7 6.7 83 88 5.8 6.0 6.1 6.2 6.2 6.3 6.3 84 89 5.6 5.7 5.8 5.9 5.9 6.0 85 90 5.3 5.5 5.5 5.6 5.6 86 91 5.1 5.2 5.3 5.3 Ages Temporary period - maximum duration of annuity - [Years] Male Female 21 22 23 24 25 26 27 28 29 30 0 to 8 0 to 13 20.7 21.7 22.7 23.6 24.6 25.6 26.5 27.5 28.4 29.4 9 14 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4 10 15 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4 11 16 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3 12 17 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3 13 18 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3 14 19 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.3 15 20 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.2 16 21 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.3 28.3 29.2 17 22 20.7 21.6 22.6 23.5 24.5 25.4 26.4 27.3 28.2 29.2 18 23 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1 19 24 20.6 21.6 22.5 23.5 24.4 25.4 26.3 27.2 28.1 29.1 20 25 20.6 21.6 22.5 23.5 24.4 25.3 26.3 27.2 28.1 29.0 21 26 20.6 21.5 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9 22 27 20.6 21.5 22.5 23.4 24.3 25.3 26.2 27.1 28.0 28.9 23 28 20.6 21.5 22.4 23.4 24.3 25.2 26.1 27.0 27.9 28.8 24 29 20.5 21.5 22.4 23.3 24.2 25.2 26.1 27.0 27.8 28.7 25 30 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.8 28.6 26 31 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.7 28.5 27 32 20.4 21.3 22.3 23.2 24.1 25.0 25.8 26.7 27.6 28.4 28 33 20.4 21.3 22.2 23.1 24.0 24.9 25.8 26.6 27.5 28.3 29 34 20.3 21.2 22.1 23.0 23.9 24.8 25.7 26.5 27.4 28.2 30 35 20.3 21.2 22.1 23.0 23.8 24.7 25.6 26.4 27.2 28.1 31 36 20.2 21.1 22.0 22.9 23.8 24.6 25.5 26.3 27.1 27.9 32 37 20.2 21.1 21.9 22.8 23.7 24.5 25.4 26.2 27.0 27.8 33 38 20.1 21.0 21.9 22.7 23.6 24.4 25.2 26.0 26.8 27.6 34 39 20.0 20.9 21.8 22.6 23.5 24.3 25.1 25.9 26.7 27.4 35 40 20.0 20.8 21.7 22.5 23.3 24.2 25.0 25.7 26.5 27.2 36 41 19.9 20.7 21.6 22.4 23.2 24.0 24.8 25.6 26.3 27.0 37 42 19.8 20.6 21.5 22.3 23.1 23.9 24.6 25.4 26.1 26.8 38 43 19.7 20.5 21.4 22.2 23.0 23.7 24.5 25.2 25.9 26.6 39 44 19.6 20.4 21.2 22.0 22.8 23.6 24.3 25.0 25.7 26.4 40 45 19.5 20.3 21.1 21.9 22.6 23.4 24.1 24.8 25.5 26.1 41 46 19.4 20.2 21.0 21.7 22.5 23.2 23.9 24.6 25.2 25.9 42 47 19.3 20.1 20.8 21.6 22.3 23.0 23.7 24.3 25.0 25.6 43 48 19.2 19.9 20.7 21.4 22.1 22.8 23.4 24.1 24.7 25.3 44 49 19.0 19.8 20.5 21.2 21.9 22.6 23.2 23.8 24.4 25.0 45 50 18.9 19.6 20.3 21.0 21.7 22.3 22.9 23.5 24.1 24.6 46 51 18.7 19.4 20.1 20.8 21.5 22.1 22.7 23.2 23.8 24.3 47 52 18.6 19.3 19.9 20.6 21.2 21.8 22.4 22.9 23.4 23.9 48 53 18.4 19.1 19.7 20.4 21.0 21.5 22.1 22.6 23.1 23.5 49 54 18.2 18.9 19.5 20.1 20.7 21.2 21.7 22.2 22.7 23.1 50 55 18.0 18.7 19.3 19.8 20.4 20.9 21.4 21.9 22.3 22.7 51 56 17.8 18.4 19.0 19.6 20.1 20.6 21.1 21.5 21.9 22.3 52 57 17.6 18.2 18.7 19.3 19.8 20.2 20.7 21.1 21.5 21.8 53 58 17.4 17.9 18.5 19.0 19.4 19.9 20.3 20.7 21.0 21.3 54 59 17.1 17.7 18.2 18.7 19.1 19.5 19.9 20.2 20.6 20.8 55 60 16.9 17.4 17.9 18.3 18.7 19.1 19.5 19.8 20.1 20.3 56 61 16.6 17.1 17.5 18.0 18.4 18.7 19.0 19.3 19.6 19.8 57 62 16.3 16.8 17.2 17.6 18.0 18.3 18.6 18.9 19.1 19.3 58 63 16.0 16.5 16.9 17.2 17.6 17.9 18.1 18.4 18.6 18.8 59 64 15.7 16.1 16.5 16.8 17.1 17.4 17.7 17.9 18.1 18.2 60 65 15.4 15.8 16.1 16.4 16.7 17.0 17.2 17.4 17.5 17.7 61 66 15.1 15.4 15.7 16.0 16.3 16.5 16.7 16.9 17.0 17.1 62 67 14.7 15.0 15.3 15.6 15.8 16.0 16.2 16.3 16.4 16.5 63 68 14.4 14.6 14.9 15.1 15.3 15.5 15.7 15.8 15.9 16.0 64 69 14.0 14.3 14.5 14.7 14.9 15.0 15.2 15.3 15.3 15.4 65 70 13.6 13.8 14.1 14.2 14.4 14.5 14.6 14.7 14.8 14.9 66 71 13.2 13.4 13.6 13.8 13.9 14.0 14.1 14.2 14.2 14.3 67 72 12.8 13.0 13.2 13.3 13.4 13.5 13.6 13.7 13.7 13.7 68 73 12.4 12.6 12.7 12.8 12.9 13.0 13.1 13.1 13.2 13.2 69 74 12.0 12.1 12.3 12.4 12.4 12.5 12.6 12.6 12.6 12.6 70 75 11.6 11.7 11.8 11.9 12.0 12.0 12.0 12.1 12.1 12.1 71 76 11.2 11.3 11.3 11.4 11.5 11.5 11.5 11.6 11.6 72 77 10.7 10.8 10.9 10.9 11.0 11.0 11.0 11.0 73 78 10.3 10.4 10.4 10.5 10.5 10.5 10.5 74 79 9.9 9.9 10.0 10.0 10.1 10.1 75 80 9.5 9.5 9.6 9.6 9.6 76 81 9.1 9.1 9.1 9.1 77 82 8.6 8.7 8.7 78 83 8.2 8.3 79 84 7.8 Table V - Ordinary Life Annuities One Life - Expected Return Multiples
Age Multiple 5 76.6 6 75.6 7 74.7 8 73.7 9 72.7 10 71.7 11 70.7 12 69.7 13 68.8 14 67.8 15 66.8 16 65.8 17 64.8 18 63.9 19 62.9 20 61.9 21 60.9 22 59.9 23 59.0 24 58.0 25 57.0 26 56.0 27 55.1 28 54.1 29 53.1 30 52.2 31 51.2 32 50.2 33 49.3 34 48.3 35 47.3 36 46.4 37 45.4 38 44.4 39 43.5 40 42.5 41 41.5 42 40.6 43 39.6 44 38.7 45 37.7 46 36.8 47 35.9 48 34.9 49 34.0 50 33.1 51 32.2 52 31.3 53 30.4 54 29.5 55 28.6 56 27.7 57 26.8 58 25.9 59 25.0 60 24.2 61 23.3 62 22.5 63 21.6 64 20.8 65 20.0 66 19.2 67 18.4 68 17.6 69 16.8 70 16.0 71 15.3 72 14.6 73 13.9 74 13.2 75 12.5 76 11.9 77 11.2 78 10.6 79 10.0 80 9.5 81 8.9 82 8.4 83 7.9 84 7.4 85 6.9 86 6.5 87 6.1 88 5.7 89 5.3 90 5.0 91 4.7 92 4.4 93 4.1 94 3.9 95 3.7 96 3.4 97 3.2 98 3.0 99 2.8 100 2.7 101 2.5 102 2.3 103 2.1 104 1.9 105 1.8 106 1.6 107 1.4 108 1.3 109 1.1 110 1.0 111 .9 112 .8 113 .7 114 .6 115 .5 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 5 6 7 8 9 10 11 12 13 14 5 83.8 83.3 82.8 82.4 82.0 81.6 81.2 80.9 80.6 80.3 6 83.3 82.8 82.3 81.8 81.4 81.0 80.6 80.3 79.9 79.6 7 82.8 82.3 81.8 81.3 80.9 80.4 80.0 79.6 79.3 78.9 8 82.4 81.8 81.3 80.8 80.3 79.9 79.4 79.0 78.6 78.3 9 82.0 81.4 80.9 80.3 79.8 79.3 78.9 78.4 78.0 77.6 10 81.6 81.0 80.4 79.9 79.3 78.8 78.3 77.9 77.4 77.0 11 81.2 80.6 80.0 79.4 78.9 78.3 77.8 77.3 76.9 76.4 12 80.9 80.3 79.6 79.0 78.4 77.9 77.3 76.8 76.3 75.9 13 80.6 79.9 79.3 78.6 78.0 77.4 76.9 76.3 75.8 75.3 14 80.3 79.6 78.9 78.3 77.6 77.0 76.4 75.9 75.3 74.8 15 80.0 79.3 78.6 77.9 77.3 76.6 76.0 75.4 74.9 74.3 16 79.8 79.0 78.3 77.6 76.9 76.3 75.6 75.0 74.4 73.9 17 79.5 78.8 78.0 77.3 76.6 75.9 75.3 74.6 74.0 73.4 18 79.3 78.5 77.8 77.0 76.3 75.6 74.9 74.3 73.6 73.0 19 79.1 78.3 77.5 76.8 76.0 75.3 74.6 73.9 73.3 72.6 20 78.9 78.1 77.3 76.5 75.8 75.0 74.3 73.6 72.9 72.3 21 78.7 77.9 77.1 76.3 75.5 74.8 74.0 73.3 72.6 71.9 22 78.6 77.7 76.9 76.1 75.3 74.5 73.8 73.0 72.3 71.6 23 78.4 77.6 76.7 75.9 75.1 74.3 73.5 72.8 72.0 71.3 24 78.3 77.4 76.6 75.7 74.9 74.1 73.3 72.6 71.8 71.1 25 78.2 77.3 76.4 75.6 74.8 73.9 73.1 72.3 71.6 70.8 26 78.0 77.2 76.3 75.4 74.6 73.8 72.9 72.1 71.3 70.6 27 77.9 77.1 76.2 75.3 74.4 73.6 72.8 71.9 71.1 70.3 28 77.8 76.9 76.1 75.2 74.3 73.4 72.6 71.8 70.9 70.1 29 77.7 76.8 76.0 75.1 74.2 73.3 72.5 71.6 70.8 70.0 30 77.7 76.8 75.9 75.0 74.1 73.2 72.3 71.5 70.6 69.8 31 77.6 76.7 75.8 74.9 74.0 73.1 72.2 71.3 70.5 69.6 32 77.5 76.6 75.7 74.8 73.9 73.0 72.1 71.2 70.3 69.5 33 77.5 76.5 75.6 74.7 73.8 72.9 72.0 71.1 70.2 69.3 34 77.4 76.5 75.5 74.6 73.7 72.8 71.9 71.0 70.1 69.2 35 77.3 76.4 75.5 74.5 73.6 72.7 71.8 70.9 70.0 69.1 36 77.3 76.3 75.4 74.5 73.5 72.6 71.7 70.8 69.9 69.0 37 77.2 76.3 75.4 74.4 73.5 72.6 71.6 70.7 69.8 68.9 38 77.2 76.2 75.3 74.4 73.4 72.5 71.6 70.6 69.7 68.8 39 77.2 76.2 75.3 74.3 73.4 72.4 71.5 70.6 69.6 68.7 40 77.1 76.2 75.2 74.3 73.3 72.4 71.4 70.5 69.6 68.6 41 77.1 76.1 75.2 74.2 73.3 72.3 71.4 70.4 69.5 68.6 42 77.0 76.1 75.1 74.2 73.2 72.3 71.3 70.4 69.4 68.5 43 77.0 76.1 75.1 74.1 73.2 72.2 71.3 70.3 69.4 68.5 44 77.0 76.0 75.1 74.1 73.1 72.2 71.2 70.3 69.3 68.4 45 77.0 76.0 75.0 74.1 73.1 72.2 71.2 70.2 69.3 68.4 46 76.9 76.0 75.0 74.0 73.1 72.1 71.2 70.2 69.3 68.3 47 76.9 75.9 75.0 74.0 73.1 72.1 71.1 70.2 69.2 68.3 48 76.9 75.9 75.0 74.0 73.0 72.1 71.1 70.1 69.2 68.2 49 76.9 75.9 74.9 74.0 73.0 72.0 71.1 70.1 69.1 68.2 50 76.9 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.2 51 76.8 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.1 52 76.8 75.9 74.9 73.9 72.9 72.0 71.0 70.0 69.1 68.1 53 76.8 75.8 74.9 73.9 72.9 71.9 71.0 70.0 69.0 68.1 54 76.8 75.8 74.8 73.9 72.9 71.9 71.0 70.0 69.0 68.1 55 76.8 75.8 74.8 73.9 72.9 71.9 70.9 70.0 69.0 68.0 56 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0 57 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0 58 76.8 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0 59 76.7 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0 60 76.7 75.8 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9 61 76.7 75.7 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9 62 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9 63 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9 64 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9 65 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9 66 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.9 67.9 67 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9 68 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9 69 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8 70 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8 71 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8 72 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8 73 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8 74 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8 75 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8 76 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8 77 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8 78 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 79 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 80 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 81 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 82 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 83 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 84 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 85 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 86 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 87 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 88 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8 89 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 90 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 91 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 92 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 93 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 94 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 95 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 96 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 97 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 98 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 99 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 100 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 101 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 102 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 103 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 104 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 105 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 106 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 107 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 108 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 109 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 110 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 111 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 112 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 113 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 114 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 115 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 15 16 17 18 19 20 21 22 23 24 15 73.8 73.3 72.9 72.4 72.0 71.6 71.3 70.9 70.6 70.3 16 73.3 72.8 72.3 71.9 71.4 71.0 70.7 70.3 70.0 69.6 17 72.9 72.3 71.8 71.3 70.9 70.5 70.0 69.7 69.3 69.0 18 72.4 71.9 71.3 70.8 70.4 69.0 69.5 69.9 68.7 68.3 19 72.0 71.4 70.9 70.4 69.8 69.4 68.9 68.5 68.1 67.7 20 71.6 71.0 70.5 69.9 69.4 68.8 68.4 67.9 67.5 67.1 21 71.3 70.7 70.0 69.5 68.9 68.4 67.9 67.4 66.9 66.5 22 70.9 70.3 69.7 69.0 68.5 67.9 67.4 66.9 66.4 65.9 23 70.6 70.0 69.3 68.7 68.1 67.5 66.9 66.4 65.9 65.4 24 70.3 69.6 69.0 68.3 67.7 67.1 66.5 65.9 65.4 64.9 25 70.1 69.3 68.6 68.0 67.3 66.7 66.1 65.5 64.9 64.4 26 69.8 69.1 68.3 67.6 67.0 66.3 65.7 65.1 64.5 63.9 27 69.6 68.8 68.1 67.3 66.7 66.0 65.3 64.7 64.1 63.5 28 69.3 68.6 67.8 67.1 66.4 65.7 65.0 64.3 63.7 63.1 29 69.1 68.4 67.6 66.8 66.1 65.4 64.7 64.0 63.3 62.7 30 69.0 68.2 67.4 66.6 65.8 65.1 64.4 63.7 63.0 62.3 31 68.8 68.0 67.2 66.4 65.6 64.8 64.1 63.4 62.7 62.0 32 68.6 67.8 67.0 66.2 65.4 64.6 63.8 63.1 62.4 61.7 33 68.5 67.6 66.8 66.0 65.2 64.4 63.6 62.8 62.1 61.4 34 68.3 67.5 66.6 65.8 65.0 64.2 63.4 62.6 61.9 61.1 35 68.2 67.4 66.5 65.6 64.8 64.0 63.2 62.4 61.6 60.9 36 68.1 67.2 66.4 65.5 64.7 63.8 63.0 62.2 61.4 60.6 37 68.0 67.1 66.2 65.4 64.5 63.7 62.8 62.0 61.2 60.4 38 67.9 67.0 66.1 65.2 64.4 63.5 62.7 61.8 61.0 60.2 39 67.8 66.9 66.0 65.1 64.2 63.4 62.5 61.7 60.8 60.0 40 67.7 66.8 65.9 65.0 64.1 63.3 62.4 61.5 60.7 59.9 41 67.7 66.7 65.8 64.9 64.0 63.1 62.3 61.4 60.5 59.7 42 67.6 66.7 65.7 64.8 63.9 63.0 62.2 61.3 60.4 59.6 43 67.5 66.6 65.7 64.8 63.8 62.9 62.1 61.2 60.3 59.4 44 67.5 66.5 65.6 64.7 63.8 62.9 62.0 61.1 60.2 59.3 45 67.4 66.5 65.5 64.6 63.7 62.8 61.9 61.0 60.1 59.2 46 67.4 66.4 65.4 64.6 63.6 62.7 61.8 60.9 60.0 59.1 47 67.3 66.4 65.4 64.5 63.6 62.6 61.7 60.8 59.9 59.0 48 67.3 66.3 65.4 64.4 63.5 62.6 61.6 60.7 59.8 58.9 49 67.2 66.3 65.3 64.4 63.5 62.5 61.6 60.7 59.7 58.8 50 67.2 66.2 65.3 64.3 63.4 62.5 61.5 60.6 59.7 58.8 51 67.2 66.2 65.3 64.3 63.4 62.4 61.5 60.5 59.6 58.7 52 67.1 66.2 65.2 64.3 63.3 62.4 61.4 60.5 59.6 58.6 53 67.1 66.2 65.2 64.2 63.3 62.3 61.4 60.4 59.5 58.6 54 67.1 66.1 65.2 64.2 63.2 62.3 61.3 60.4 59.5 58.5 55 67.1 66.1 65.1 64.2 63.2 62.3 61.3 60.4 59.4 58.5 56 67.0 66.1 65.1 64.1 63.2 62.2 61.3 60.3 59.4 58.4 57 67.0 66.1 65.1 64.1 63.2 62.2 61.2 60.3 59.3 58.4 58 67.0 66.0 65.1 64.1 63.1 62.2 61.2 60.3 59.3 58.4 59 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.3 58.3 60 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.2 58.3 61 67.0 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.3 62 66.9 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.2 63 66.9 66.0 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2 64 66.9 65.9 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2 65 66.9 65.9 65.0 64.0 63.0 62.0 61.1 60.1 59.1 58.2 66 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.2 67 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.1 68 66.9 65.9 64.9 64.0 63.0 62.0 61.0 60.1 59.1 58.1 69 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1 70 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1 71 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.1 58.1 72 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1 73 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1 74 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1 75 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.1 76 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0 76 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0 77 66.8 65.9 64.9 63.9 63.9 62.9 61.0 60.0 59.0 58.0 78 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0 79 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0 80 66.8 65.9 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0 81 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0 82 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0 83 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0 84 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 85 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 86 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 87 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 88 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 89 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 90 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 91 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0 92 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 93 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 94 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 95 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 96 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 97 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 98 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 99 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 100 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 101 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 102 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 103 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 104 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 105 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 106 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 107 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 108 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 109 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 110 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 111 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 112 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 113 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 114 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 115 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 25 26 27 28 29 30 31 32 33 34 25 63.9 63.4 62.9 62.5 62.1 61.7 61.3 61.0 60.7 60.4 26 63.4 62.9 62.4 61.9 61.5 61.1 60.7 60.4 60.0 59.7 27 62.9 62.4 61.9 61.4 60.9 60.5 60.1 59.7 59.4 59.0 28 62.5 61.9 61.4 60.9 60.4 60.0 59.5 59.1 58.7 58.4 29 62.1 61.5 60.9 60.4 59.9 59.4 59.0 58.5 58.1 57.7 30 61.7 61.1 60.5 60.0 59.4 58.9 58.4 58.0 57.5 57.1 31 61.3 60.7 60.1 59.5 59.0 58.4 57.9 57.4 57.0 56.5 32 61.0 60.4 59.7 59.1 58.5 58.0 57.4 56.9 56.4 56.0 33 60.7 60.0 59.4 58.7 58.1 57.5 57.0 56.4 55.9 55.5 34 60.4 59.7 59.0 58.4 57.7 57.1 56.5 56.0 55.5 54.9 35 60.1 59.4 58.7 58.0 57.4 56.7 56.1 55.6 55.0 54.5 36 59.9 59.1 58.4 57.7 57.0 56.4 55.8 55.1 54.6 54.0 37 59.6 58.9 58.1 57.4 56.7 56.0 55.4 54.8 54.2 53.6 38 59.4 58.6 57.9 57.9 56.4 55.7 55.1 54.4 53.8 53.2 39 59.2 58.4 57.7 56.9 56.2 55.4 54.7 54.1 53.4 52.8 40 59.0 58.2 57.4 56.7 55.9 55.2 54.5 53.8 53.1 52.4 41 58.9 58.0 57.2 56.4 55.7 54.9 54.2 53.5 52.8 52.1 42 58.7 57.9 57.1 56.2 55.5 54.7 53.9 53.2 52.5 51.8 43 58.6 57.7 56.9 56.1 55.3 54.5 53.7 52.9 52.2 51.5 44 58.4 57.6 56.7 55.9 55.1 54.3 53.5 52.7 52.0 51.2 45 58.3 57.4 56.6 55.7 54.9 54.1 53.3 52.5 51.7 51.0 46 58.2 57.3 56.5 55.6 54.8 53.9 53.1 52.3 51.5 50.7 47 58.1 57.2 56.3 55.5 54.6 53.8 52.9 52.1 51.3 50.5 48 58.0 57.1 56.2 55.3 54.5 53.6 52.8 51.9 51.1 50.3 49 57.9 57.0 56.1 55.2 54.4 53.5 52.6 51.8 51.0 50.1 50 57.8 56.9 56.0 55.1 54.2 53.4 52.5 51.7 50.8 50.0 51 57.8 56.9 55.9 55.0 54.1 53.3 52.4 51.5 50.7 49.8 52 57.7 56.8 55.9 55.0 54.1 53.2 52.3 51.4 50.5 49.7 53 57.6 56.7 55.8 54.9 54.0 53.1 52.2 51.3 50.4 49.6 54 57.6 56.7 55.7 54.8 53.9 53.0 52.1 51.2 50.3 49.4 55 57.5 56.6 55.7 54.7 53.8 52.9 52.0 51.1 40.2 49.3 56 57.5 56.5 55.6 54.7 53.8 52.8 51.9 51.0 50.1 49.2 57 57.4 56.5 55.6 54.6 53.7 52.8 51.9 50.9 50.0 49.1 58 57.4 56.5 55.5 54.6 53.6 52.7 51.8 50.9 50.0 49.1 59 57.4 56.4 55.5 54.5 53.6 52.7 51.7 50.8 49.9 49.0 60 57.3 56.4 55.4 54.5 53.6 52.6 51.7 50.8 49.8 48.9 61 57.3 56.4 55.4 54.5 53.5 52.6 51.6 50.7 49.8 48.9 62 57.3 56.3 55.4 54.4 53.5 52.5 51.6 50.7 49.7 48.8 63 57.3 56.3 55.3 54.4 53.4 52.5 51.6 50.6 49.7 48.7 64 57.2 56.3 55.3 54.4 53.4 52.5 51.5 50.6 49.6 48.7 65 57.2 56.3 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.7 66 57.2 56.2 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.6 67 57.2 56.2 55.3 54.3 53.3 52.4 51.4 50.5 49.5 48.6 68 57.2 56.2 55.2 54.3 53.3 52.4 51.4 50.4 49.5 48.6 69 57.1 56.2 55.2 54.3 53.3 52.3 51.4 50.4 49.5 48.5 70 57.1 56.2 55.2 54.2 53.3 52.3 51.4 50.4 49.4 48.5 71 57.1 56.2 55.2 54.2 53.3 52.3 51.3 50.4 49.4 48.5 72 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.4 49.4 48.5 73 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4 74 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4 75 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.4 48.4 76 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4 77 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4 78 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4 79 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.4 80 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3 81 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3 82 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3 83 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3 84 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3 85 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.2 49.3 48.3 86 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 87 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 88 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 89 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 90 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 91 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 92 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 93 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 94 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 95 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 96 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 97 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 98 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 99 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 100 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 101 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 102 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 103 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 104 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 105 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 106 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 107 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 108 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 109 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 110 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 111 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 112 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 113 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 114 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 115 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 35 36 37 38 39 40 41 42 43 44 35 54.0 53.5 53.0 52.6 52.2 51.8 51.4 51.1 50.8 50.5 36 53.5 53.0 52.5 52.0 51.6 51.2 50.8 50.4 50.1 49.8 37 53.0 52.5 52.0 51.5 51.0 50.6 50.2 49.8 49.5 49.1 38 52.6 52.0 51.5 51.0 50.5 50.0 49.6 49.2 48.8 48.5 39 52.2 51.6 51.0 50.5 50.0 49.5 49.1 48.6 48.2 47.8 40 51.8 51.2 50.6 50.0 49.5 49.0 48.5 48.1 47.6 47.2 41 51.4 50.8 50.2 49.6 49.1 48.5 48.0 47.5 47.1 46.7 42 51.1 50.4 49.8 49.2 48.6 48.1 47.5 47.0 46.6 46.1 43 50.8 50.1 49.5 48.8 48.2 47.6 47.1 46.6 46.0 45.6 44 50.5 49.8 49.1 48.5 47.8 47.2 46.7 46.1 45.6 45.1 45 50.2 49.5 48.8 48.1 47.5 46.9 46.3 45.7 45.1 44.6 46 50.0 49.2 48.5 47.8 47.2 46.5 45.9 45.3 44.7 44.1 47 49.7 49.0 48.3 47.5 46.8 46.2 45.5 44.9 44.3 43.7 48 49.5 48.8 48.0 47.3 46.6 45.9 45.2 44.5 43.9 43.3 49 49.3 48.5 47.8 47.0 46.3 45.6 44.9 44.2 43.6 42.9 50 49.2 48.4 47.6 46.8 46.0 45.3 44.6 43.9 43.2 42.6 51 49.0 48.2 47.4 46.6 45.8 45.1 44.3 43.6 42.9 44.2 52 48.8 48.0 47.2 46.4 45.6 44.8 44.1 43.3 42.6 41.9 53 48.7 47.9 47.0 46.2 45.4 44.6 43.9 43.1 42.4 41.7 54 48.6 47.7 46.9 46.0 45.2 44.4 43.6 42.9 42.1 41.4 55 48.5 47.6 46.7 45.9 45.1 44.2 43.4 42.7 41.9 41.2 56 48.3 47.5 46.6 45.8 44.9 44.1 43.3 42.5 41.7 40.9 57 48.3 47.4 46.5 45.6 44.8 43.9 43.1 42.3 41.5 40.7 58 48.2 47.3 46.4 45.5 44.7 43.8 43.0 42.1 41.3 40.5 59 48.1 47.2 46.3 45.4 44.5 43.7 42.8 42.0 41.2 40.4 60 48.0 47.1 46.2 45.3 44.4 43.6 42.7 41.9 41.0 40.2 61 47.9 47.0 46.1 45.2 44.3 43.5 42.6 41.7 40.9 40.0 62 47.9 47.0 46.0 45.1 44.2 43.4 42.5 41.6 40.8 39.9 63 47.8 46.9 46.0 45.1 44.2 43.3 42.4 41.5 40.6 39.8 64 47.8 46.8 45.9 45.0 44.1 43.2 42.3 41.4 40.5 39.7 65 47.7 46.8 45.9 44.9 44.0 43.1 42.2 41.3 40.4 39.6 66 47.7 46.7 45.8 44.9 44.0 43.1 42.2 41.3 40.4 39.5 67 47.6 46.7 45.8 44.8 43.9 43.0 42.1 41.2 40.3 39.4 68 47.6 46.7 45.7 44.8 43.9 42.9 42.0 41.1 40.2 39.3 69 47.6 46.6 45.7 44.8 43.8 42.9 42.0 41.1 40.2 39.3 70 47.5 46.6 45.7 44.7 43.8 42.9 41.9 41.0 40.1 39.2 71 47.5 46.6 45.6 44.7 43.8 42.8 41.9 41.0 40.1 39.1 72 47.5 46.6 45.6 44.7 43.7 42.8 41.9 40.9 40.0 39.1 73 47.5 46.5 45.6 44.6 43.7 42.8 41.8 40.9 40.0 39.0 74 47.5 46.5 45.6 44.6 43.7 42.7 41.8 40.9 39.9 39.0 75 47.4 46.5 45.5 44.6 43.6 42.7 41.8 40.8 39.9 39.0 76 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.9 38.9 77 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.8 38.9 78 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9 79 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9 80 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.8 81 47.4 46.4 45.5 44.5 43.5 42.6 41.6 40.7 39.8 38.8 82 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8 83 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8 84 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8 85 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8 86 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.8 87 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7 88 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7 89 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7 90 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7 91 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 39.7 92 47.3 46.4 45.4 44.4 44.4 43.5 42.5 41.6 40.6 38.7 93 47.3 46.4 45.4 43.5 42.5 41.6 40.6 39.7 39.7 38.7 94 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7 95 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7 96 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7 97 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7 98 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7 99 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 100 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 101 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 102 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 103 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 104 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 105 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 106 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 107 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 108 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 109 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 110 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 111 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 112 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 113 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 114 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 114 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 115 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 45 46 47 48 49 50 51 52 53 54 45 44.1 43.6 43.2 42.7 42.3 42.0 41.6 41.3 41.0 40.7 46 43.6 43.1 42.6 42.2 41.8 41.4 41.0 40.6 40.3 40.0 47 43.2 42.6 42.1 41.7 41.2 40.8 40.4 40.0 39.7 39.3 48 42.7 42.2 41.7 41.2 40.7 40.2 39.8 39.4 39.0 38.7 49 42.3 41.8 41.2 40.7 40.2 39.7 39.3 38.8 38.4 38.1 50 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.3 37.9 37.5 51 41.6 41.0 40.4 39.8 39.3 38.7 38.2 37.8 37.3 36.9 52 41.3 40.6 40.0 39.4 38.8 38.3 37.8 37.3 36.8 36.4 53 41.0 40.3 39.7 39.0 38.4 37.9 37.3 36.8 36.3 35.8 54 40.7 40.0 39.3 38.7 38.1 37.5 36.9 36.4 35.8 35.3 55 40.4 39.7 39.0 38.4 37.7 37.1 36.5 35.9 35.4 34.9 56 40.2 39.5 38.7 38.1 37.4 36.8 36.1 35.6 35.0 34.4 57 40.0 39.2 38.5 37.8 37.1 36.4 35.8 35.2 34.6 34.0 58 39.7 39.0 38.2 37.5 36.8 36.1 35.5 34.8 34.2 33.6 59 39.6 38.8 38.0 37.3 36.6 35.9 35.2 34.5 33.9 33.3 60 39.4 38.6 37.8 37.1 36.3 35.6 34.9 34.2 33.6 32.9 61 39.2 38.4 37.6 36.9 36.1 35.4 34.6 33.9 33.3 32.6 62 39.1 38.3 37.5 36.7 35.9 35.1 34.4 33.7 33.0 32.3 63 38.9 38.1 37.3 36.5 35.7 34.9 34.2 33.5 32.7 32.0 64 38.8 38.0 37.2 36.3 35.5 34.8 34.0 33.2 32.5 31.8 65 38.7 37.9 37.0 36.2 35.4 34.6 33.8 33.0 32.3 31.6 66 38.6 37.8 36.9 36.1 35.2 34.4 33.6 32.9 32.1 31.4 67 38.5 37.7 36.8 36.0 35.1 34.3 33.5 32.7 31.9 31.2 68 38.4 37.6 36.7 35.8 35.0 34.2 33.4 32.5 31.8 31.0 69 38.4 37.5 36.6 35.7 34.9 34.1 33.2 32.4 31.6 30.8 70 38.3 37.4 36.5 35.7 34.8 34.0 33.1 32.3 31.5 30.7 71 38.2 37.3 36.5 35.6 34.7 33.9 33.0 32.2 31.4 30.5 72 38.2 37.3 36.4 35.5 34.6 33.8 32.9 32.1 31.2 30.4 73 38.1 37.2 36.3 35.4 34.6 33.7 32.8 32.0 31.1 30.3 74 38.1 37.2 36.3 35.4 34.5 33.6 32.8 31.9 31.1 30.2 75 38.1 37.1 36.2 35.3 34.5 33.6 32.7 31.8 31.0 30.1 76 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.8 30.9 30.1 77 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.7 30.8 30.0 78 38.0 37.0 36.1 35.2 34.3 33.4 32.5 31.7 30.8 29.9 79 37.9 37.0 36.1 35.2 34.3 33.4 32.5 31.6 30.7 29.9 80 37.9 37.0 36.1 35.2 34.2 33.4 32.5 31.6 30.7 29.8 81 37.9 37.0 36.0 35.1 34.2 33.3 32.4 31.5 30.7 29.8 82 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7 83 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7 84 37.8 36.9 36.9 35.0 34.2 33.2 32.3 31.4 30.6 29.7 85 37.8 36.9 36.0 35.1 34.1 33.2 32.3 31.4 30.5 29.6 86 38.8 36.9 36.0 35.0 34.1 33.2 32.3 31.4 30.5 29.6 87 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6 88 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6 89 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6 90 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.3 30.5 29.6 91 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5 92 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5 93 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5 94 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5 95 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 96 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 97 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 98 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 99 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 101 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 102 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5 103 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 104 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 105 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 106 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 107 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 108 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 109 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 110 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 111 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 112 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 113 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 114 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 115 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 55 56 57 58 59 60 61 62 63 64 55 34.4 33.9 33.5 33.1 32.7 32.3 32.0 31.7 31.4 31.1 56 33.9 33.4 33.0 32.5 32.1 31.7 31.4 31.0 30.7 30.4 57 33.5 33.0 32.5 32.0 31.6 31.2 30.8 30.4 30.1 29.8 58 33.1 32.5 32.0 31.5 31.1 30.6 30.2 29.9 29.5 29.2 59 32.7 32.1 31.6 31.1 30.6 30.1 29.7 29.3 28.9 28.6 60 32.3 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.4 28.0 61 32.0 31.4 30.8 30.2 29.7 29.2 28.7 28.3 27.8 27.4 62 31.7 31.0 30.4 29.9 29.3 28.8 28.3 27.8 27.3 26.9 63 31.4 30.7 30.1 29.5 28.9 28.4 27.8 27.3 26.9 26.4 64 31.1 30.4 29.8 29.2 28.6 28.0 27.4 26.9 26.4 25.9 65 30.9 30.2 29.5 28.9 28.2 27.6 27.1 26.5 26.0 25.5 66 30.6 29.9 29.2 28.6 27.9 27.3 26.7 26.1 25.6 25.1 67 30.4 29.7 29.0 28.3 27.6 27.0 26.4 25.8 25.2 24.7 68 30.2 29.5 28.8 28.1 27.4 26.7 26.1 25.5 24.9 24.3 69 30.1 29.3 28.6 27.8 27.1 26.5 25.8 25.2 24.6 24.0 70 29.9 29.1 28.4 27.6 26.9 26.2 25.6 24.9 24.3 23.7 71 29.7 29.0 28.2 27.5 26.7 26.0 25.3 24.7 24.0 23.4 72 29.6 28.8 28.1 27.3 26.5 25.8 25.1 24.4 23.8 23.1 73 29.5 28.7 27.9 27.1 26.4 25.6 24.9 24.2 23.5 22.9 74 29.4 28.6 27.8 27.0 26.2 25.5 24.7 24.0 23.3 22.7 75 29.3 28.5 27.7 26.9 26.1 25.3 24.6 23.8 23.1 22.4 76 29.2 28.4 27.6 26.8 26.0 25.2 24.4 23.7 23.0 22.3 77 29.1 28.3 27.5 26.7 25.9 25.1 24.3 23.6 22.8 22.1 78 29.1 28.2 27.4 26.6 25.8 25.0 24.2 23.4 22.7 21.9 79 29.0 28.2 27.3 26.5 25.7 24.9 24.1 23.3 22.6 21.8 80 29.0 28.1 27.3 26.4 25.6 24.8 24.0 23.2 22.4 21.7 81 28.9 28.1 27.2 26.4 25.5 24.7 23.9 23.1 22.3 21.6 82 28.9 28.0 27.2 26.3 25.5 24.6 23.8 23.0 22.3 21.5 83 28.8 28.0 27.1 26.3 25.4 24.6 23.8 23.0 22.2 21.4 84 28.8 27.9 27.1 26.2 25.4 24.5 23.7 22.9 22.1 21.3 85 28.8 27.9 27.0 26.2 25.3 24.5 23.7 22.8 22.0 21.3 86 28.7 27.9 27.0 26.1 25.3 24.5 23.6 22.8 22.0 21.2 87 28.7 27.8 27.0 26.1 25.3 24.4 23.6 22.8 21.9 21.1 88 28.7 27.8 27.0 26.1 25.2 24.4 23.5 22.7 21.9 21.1 89 28.7 27.8 26.9 26.1 25.2 24.4 23.5 22.7 21.9 21.1 90 28.7 27.8 26.9 26.1 25.2 24.3 23.5 22.7 21.8 21.0 91 28.7 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0 92 28.6 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0 93 28.6 27.8 26.9 26.0 25.1 24.3 23.4 22.6 21.8 20.9 94 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9 95 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9 96 28.6 27.7 26.9 26.0 25.1 24.2 23.4 22.6 21.7 20.9 97 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9 98 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9 99 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9 100 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.8 101 28.6 27.7 26.8 25.9 25.1 24.2 23.4 22.5 21.7 20.8 102 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8 103 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8 104 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 105 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 106 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 107 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 108 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 109 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 110 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8 111 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8 112 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8 113 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8 114 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8 115 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 65 66 67 68 69 70 71 72 73 74 65 25.0 24.6 24.2 23.8 23.4 23.1 22.8 22.5 22.2 22.0 66 24.6 24.1 23.7 23.3 22.9 22.5 22.2 21.9 21.6 21.4 67 24.2 23.7 23.2 22.8 22.4 22.0 21.7 21.3 21.0 20.8 68 23.8 23.3 22.8 22.3 21.9 21.5 21.2 20.8 20.5 20.2 69 23.4 22.9 22.4 21.9 21.5 21.1 20.7 20.3 20.0 19.6 70 23.1 22.5 22.0 21.5 21.1 20.6 20.2 19.8 19.4 19.1 71 22.8 22.2 21.7 21.2 20.7 20.2 19.8 19.4 19.0 18.6 72 22.5 21.9 21.3 20.8 20.3 19.8 19.4 18.9 18.5 18.2 73 22.2 21.6 21.0 20.5 20.0 19.4 19.0 18.5 18.1 17.7 74 22.0 21.4 20.8 20.2 19.6 19.1 18.6 18.2 17.7 17.3 75 21.8 21.1 20.5 19.9 19.3 18.8 18.3 17.8 17.3 16.9 76 21.6 20.9 20.3 19.7 19.1 18.5 18.0 17.5 17.0 16.5 77 21.4 20.7 20.1 19.4 18.8 18.3 17.7 17.2 16.7 16.2 78 21.2 20.5 19.9 19.2 18.6 18.0 17.5 16.9 16.4 15.9 79 21.1 20.4 19.7 19.0 18.4 17.8 17.2 16.7 16.1 15.6 80 21.0 20.2 19.5 18.9 18.2 17.6 17.0 16.4 15.9 15.4 81 20.8 20.1 19.4 18.7 18.1 17.4 16.8 16.2 15.7 15.1 82 20.7 20.0 19.3 18.6 17.9 17.3 16.6 16.0 15.5 14.9 83 20.6 19.9 19.2 18.5 17.8 17.1 16.5 15.9 15.3 14.7 84 20.5 19.8 19.1 18.4 17.7 17.0 16.3 15.7 15.1 14.5 85 20.5 19.7 19.0 18.3 17.6 16.9 16.2 15.6 15.0 14.4 86 20.4 19.6 18.9 18.2 17.5 16.8 16.1 15.5 14.8 14.2 87 20.4 19.6 18.8 18.1 17.4 16.7 16.0 15.4 14.7 14.1 88 20.3 19.5 18.8 18.0 17.3 16.6 15.9 15.3 14.6 14.0 89 20.3 19.5 18.7 18.0 17.2 16.5 15.8 15.2 14.5 13.9 90 20.2 19.4 18.7 17.9 17.2 16.5 15.8 15.1 14.5 13.8 91 20.2 19.4 18.6 17.9 17.1 16.4 15.7 15.0 14.4 13.7 92 20.2 19.4 18.6 17.8 17.1 16.4 15.7 15.0 14.3 13.7 93 20.1 19.3 18.6 17.8 17.1 16.3 15.6 14.9 14.3 13.6 94 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.6 95 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.5 96 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.2 13.5 97 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.1 13.5 98 20.1 19.3 18.5 17.7 16.9 16.2 15.5 14.8 14.1 13.4 99 20.0 19.2 18.5 17.7 16.9 16.2 15.5 14.7 14.1 13.4 100 20.0 19.2 18.4 17.7 16.9 16.2 15.4 14.7 14.0 13.4 101 20.0 19.2 18.4 17.7 16.9 16.1 15.4 14.7 14.0 13.3 102 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3 103 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3 104 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3 105 20.0 19.2 18.4 17.6 16.8 16.1 15.4 14.6 13.9 13.3 106 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.3 107 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2 108 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2 109 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2 110 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2 111 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2 112 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2 113 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2 114 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2 115 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 75 76 77 78 79 80 81 82 83 84 75 16.5 16.1 15.8 15.4 15.1 14.9 14.6 14.4 14.2 14.0 76 16.1 15.7 15.4 15.0 14.7 14.4 14.1 13.9 13.7 13.5 77 15.8 15.4 15.0 14.6 14.3 14.0 13.7 13.4 13.2 13.0 78 15.4 15.0 14.6 14.2 13.9 13.5 13.2 13.0 12.7 12.5 79 15.1 14.7 14.3 13.9 13.5 13.2 12.8 12.5 12.3 12.0 80 14.9 14.4 14.0 13.5 13.2 12.8 12.5 12.2 11.9 11.6 81 14.6 14.1 13.7 13.2 12.8 12.5 12.1 11.8 11.5 11.2 82 14.4 13.9 13.4 13.0 12.5 12.2 11.8 11.5 11.1 10.9 83 14.2 13.7 13.2 12.7 12.3 11.9 11.5 11.1 10.8 10.5 84 14.0 13.5 13.0 12.5 12.0 11.6 11.2 10.9 10.5 10.2 85 13.8 13.3 12.8 12.3 11.8 11.4 11.0 10.6 10.2 9.9 86 13.7 13.1 12.6 12.1 11.6 11.2 10.8 10.4 10.0 9.7 87 13.5 13.0 12.4 11.9 11.4 11.0 10.6 10.1 9.8 9.4 88 13.4 12.8 12.3 11.8 11.3 10.8 10.4 10.0 9.6 9.2 89 13.3 12.7 12.2 11.6 11.1 10.7 10.2 9.8 9.4 9.0 90 13.2 12.6 12.1 11.5 11.0 10.5 10.1 9.6 9.2 8.8 91 13.1 12.5 12.0 11.4 10.9 10.4 9.9 9.5 9.1 8.7 92 13.1 12.5 11.9 11.3 10.8 10.3 9.8 9.4 8.9 8.5 93 13.0 12.4 11.8 11.3 10.7 10.2 9.7 9.3 8.8 8.4 94 12.9 12.3 11.7 11.2 10.6 10.1 9.6 9.2 8.7 8.3 95 12.9 12.3 11.7 11.1 10.6 10.1 9.6 9.1 8.6 8.2 96 12.9 12.2 11.6 11.1 10.5 10.0 9.5 9.0 8.5 8.1 97 12.8 12.2 11.6 11.0 10.5 9.9 9.4 8.9 8.5 8.0 98 12.8 12.2 11.5 11.0 10.4 9.9 9.4 8.9 8.4 8.0 99 12.7 12.1 11.5 10.9 10.4 9.8 9.3 8.8 8.3 7.9 100 12.7 12.1 11.5 10.9 10.3 9.8 9.2 8.7 8.3 7.8 101 12.7 12.1 11.4 10.8 10.3 9.7 9.2 8.7 8.2 7.8 102 12.7 12.0 11.4 10.8 10.2 9.7 9.2 8.7 8.2 7.7 103 12.6 12.0 11.4 10.8 10.2 9.7 9.1 8.6 8.1 7.7 104 12.6 12.0 11.4 10.8 10.2 9.6 9.1 8.6 8.1 7.6 105 12.6 12.0 11.3 10.7 10.2 9.6 9.1 8.5 8.0 7.6 106 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5 107 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5 108 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.5 8.0 7.5 109 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.5 110 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.4 111 12.5 11.9 11.3 10.7 10.1 9.5 8.9 8.4 7.9 7.4 112 12.5 11.9 11.3 10.6 10.1 9.5 8.9 8.4 7.9 7.4 113 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4 114 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4 115 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 85 86 87 88 89 90 91 92 93 94 85 9.6 9.3 9.1 8.9 8.7 8.5 8.3 8.2 8.0 7.9 86 9.3 9.1 8.8 8.6 8.3 8.2 8.0 7.8 7.7 7.6 87 9.1 8.8 8.5 8.3 8.1 7.9 7.7 7.5 7.4 7.2 88 8.9 8.6 8.3 8.0 7.8 7.6 7.4 7.2 7.1 6.9 89 8.7 8.3 8.1 7.8 7.5 7.3 7.1 6.9 6.8 6.6 90 8.5 8.2 7.9 7.6 7.3 7.1 6.9 6.7 6.5 6.4 91 8.3 8.0 7.7 7.4 7.1 6.9 6.7 6.5 6.3 6.2 92 8.2 7.8 7.5 7.2 6.9 6.7 6.5 6.3 6.1 5.9 93 8.0 7.7 7.4 7.1 6.8 6.5 6.3 6.1 5.9 5.8 94 7.9 7.6 7.2 6.9 6.6 6.4 6.2 5.9 5.8 5.6 95 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.8 5.6 5.4 96 7.7 7.3 7.0 6.7 6.4 6.1 5.9 5.7 5.5 5.3 97 7.6 7.3 6.9 6.6 6.3 6.0 5.8 5.5 5.3 5.1 98 7.6 7.2 6.8 6.5 6.2 5.9 5.6 5.4 5.2 5.0 99 7.5 7.1 6.7 6.4 6.1 5.8 5.5 5.3 5.1 4.9 100 7.4 7.0 6.6 6.3 6.0 5.7 5.4 5.2 5.0 4.8 101 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.1 4.9 4.7 102 7.3 6.9 6.5 6.2 5.8 5.5 5.3 5.0 4.8 4.6 103 7.2 6.8 6.4 6.1 5.8 5.5 5.2 4.9 4.7 4.5 104 7.2 6.8 6.4 6.0 5.7 5.4 5.1 4.8 4.6 4.4 105 7.1 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.3 106 7.1 6.7 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 107 7.1 6.6 6.2 5.9 5.5 5.2 4.9 4.6 4.4 4.2 108 7.0 6.6 6.2 5.8 5.5 5.2 4.9 4.6 4.3 4.1 109 7.0 6.6 6.2 5.8 5.5 5.1 4.8 4.5 4.3 4.1 110 7.0 6.6 6.2 5.8 5.4 5.1 4.8 4.5 4.3 4.0 111 7.0 6.5 6.1 5.7 5.4 5.1 4.8 4.5 4.2 4.0 112 7.0 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9 113 6.9 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9 114 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9 115 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 95 96 97 98 99 100 101 102 103 104 95 5.3 5.1 5.0 4.8 4.7 4.6 4.5 4.4 4.3 4.2 96 5.1 5.0 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0 97 5.0 4.8 4.7 4.5 4.4 4.3 4.1 4.0 3.9 3.8 98 4.8 4.7 4.5 4.4 4.2 4.1 4.0 3.9 3.8 3.7 99 4.7 4.5 4.4 4.2 4.1 4.0 3.8 3.7 3.6 3.5 100 4.6 4.4 4.3 4.1 4.0 3.8 3.7 3.6 3.5 3.3 101 4.5 4.3 4.1 4.0 3.8 3.7 3.6 3.4 3.3 3.2 102 4.4 4.2 4.0 3.9 3.7 3.6 3.4 3.3 3.2 3.1 103 4.3 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.0 2.9 104 4.2 4.0 3.8 3.7 3.5 3.3 3.2 3.1 2.9 2.8 105 4.1 3.9 3.7 3.6 3.4 3.2 3.1 2.9 2.8 2.7 106 4.0 3.8 3.6 3.5 3.3 3.1 3.0 2.8 2.7 2.5 107 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.6 2.4 108 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.7 2.5 2.3 109 3.8 3.6 3.4 3.3 3.1 2.9 2.7 2.6 2.4 2.3 110 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.2 111 3.8 3.5 3.3 3.2 3.0 2.8 2.6 2.4 2.3 2.1 112 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4 2.2 2.1 113 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.4 2.2 2.0 114 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.3 2.1 2.0 115 3.7 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.1 1.9 Table VI - Ordinary Joint Life and Last Survivor Annuities; Two Lives - Expected Return Multiples
Ages 105 106 107 108 109 110 111 112 113 114 115 105 2.5 2.4 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.8 1.8 106 2.4 2.3 2.2 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.6 107 2.3 2.2 2.1 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4 108 2.2 2.1 1.9 1.8 1.7 1.6 1.5 1.5 1.4 1.3 1.3 109 2.1 2.0 1.8 1.7 1.6 1.5 1.4 1.3 1.3 1.2 1.1 110 2.0 1.9 1.7 1.6 1.5 1.4 1.3 1.2 1.1 1.1 1.0 111 2.0 1.8 1.7 1.5 1.4 1.3 1.2 1.1 1.0 .9 .9 112 1.9 1.7 1.6 1.5 1.3 1.2 1.1 1.0 .9 .8 .8 113 1.8 1.7 1.5 1.4 1.3 1.1 1.0 .9 .8 .7 .7 114 1.8 1.6 1.5 1.3 1.2 1.1 .9 .8 .7 .6 .6 115 1.8 1.6 1.4 1.3 1.1 1.0 .9 .8 .7 .6 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 5 6 7 8 9 10 11 12 13 14 5 69.5 69.0 68.4 67.9 67.3 66.7 66.1 65.5 64.8 64.1 6 69.0 68.5 68.0 67.5 66.9 66.4 65.8 65.1 64.5 63.8 7 68.4 68.0 67.5 67.0 66.5 66.0 65.4 64.8 64.2 63.5 8 67.9 67.5 67.0 66.6 66.1 65.5 65.0 64.4 63.8 63.2 9 67.3 66.9 66.5 66.1 65.6 65.1 64.6 64.0 63.4 62.8 10 66.7 66.4 66.0 65.5 65.1 64.6 64.1 63.6 63.0 62.5 11 66.1 65.8 65.4 65.0 64.6 64.1 63.6 63.1 62.6 62.1 12 65.5 65.1 64.8 64.4 64.0 63.6 63.1 62.7 62.2 61.7 13 64.8 64.5 64.2 63.8 63.4 63.0 62.6 62.2 61.7 61.2 14 64.1 63.8 63.5 63.2 62.8 62.5 62.1 61.7 61.2 60.7 15 63.4 63.1 62.9 62.6 62.2 61.9 61.5 61.1 60.7 60.2 16 62.7 62.4 62.2 61.9 61.6 61.3 60.9 60.5 60.1 59.7 17 61.9 61.7 61.5 61.2 60.9 60.6 60.3 59.9 59.6 59.2 18 61.2 61.0 60.7 60.5 60.2 60.0 59.7 59.3 59.0 58.6 19 60.4 60.2 60.0 59.8 59.5 59.3 59.0 58.7 58.4 58.0 20 59.6 59.4 59.2 59.0 58.8 58.6 58.3 58.0 57.7 57.4 21 58.8 58.7 58.5 58.3 58.1 57.8 57.6 57.3 57.1 56.8 22 58.0 57.8 57.7 57.5 57.3 57.1 56.9 56.6 56.4 56.1 23 57.2 57.0 56.9 56.7 56.5 56.4 56.1 55.9 55.7 55.4 24 56.3 56.2 56.1 55.9 55.8 55.6 55.4 55.2 55.0 54.7 25 55.5 55.4 55.2 55.1 55.0 54.8 54.6 54.4 54.2 54.0 26 54.6 54.5 54.4 54.3 54.1 54.0 53.8 53.7 53.5 53.3 27 53.8 53.7 53.6 53.4 53.3 53.2 53.0 52.9 52.7 52.5 28 52.9 52.8 52.7 52.6 52.5 52.4 52.2 52.1 51.9 51.7 29 52.0 51.9 51.8 51.7 51.6 51.5 51.4 51.3 51.1 51.0 30 51.1 51.0 51.0 50.9 50.8 50.7 50.6 50.4 50.3 50.2 31 50.2 50.2 50.1 50.0 49.9 49.8 49.7 49.6 49.5 49.3 32 49.3 49.3 49.2 49.1 49.0 49.0 48.9 48.8 48.6 48.5 33 48.4 48.4 48.3 48.2 48.2 48.1 48.0 47.9 47.8 47.7 34 47.5 47.5 47.4 47.4 47.3 47.2 47.1 47.0 47.0 46.8 35 46.6 46.6 46.5 46.5 46.4 46.3 46.3 46.2 46.1 46.0 36 45.7 45.7 45.6 45.6 45.5 45.4 45.4 45.3 45.2 45.1 37 44.8 44.7 44.7 44.6 44.6 44.5 44.5 44.4 44.3 44.3 38 43.9 43.8 43.8 43.7 43.7 43.6 43.6 43.5 43.5 43.4 39 42.9 42.9 42.9 42.8 42.8 42.7 42.7 42.6 42.6 42.5 40 42.0 42.0 42.0 41.9 41.9 41.8 41.8 41.7 41.7 41.6 41 41.1 41.1 41.0 41.0 41.0 40.9 40.9 40.8 40.8 40.7 42 40.2 40.1 40.1 40.1 40.1 40.0 40.0 39.9 39.9 39.8 43 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.0 39.0 39.0 44 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.1 38.1 38.1 45 37.4 37.4 37.4 37.3 37.3 37.3 37.3 37.2 37.2 37.2 46 36.5 36.5 36.5 36.4 36.4 36.4 36.4 36.3 36.3 36.3 47 35.6 35.6 35.5 35.5 35.5 35.5 35.5 35.4 35.4 35.4 48 34.7 34.7 34.6 34.6 34.6 34.6 34.6 34.5 34.5 34.5 49 33.8 33.8 33.7 33.7 33.7 33.7 33.7 33.7 33.6 33.6 50 32.9 32.9 32.8 32.8 32.8 32.8 32.8 32.8 32.7 32.7 51 32.0 32.0 31.9 31.9 31.9 31.9 31.9 31.9 31.9 31.8 52 31.1 31.1 31.1 31.0 31.0 31.0 31.0 31.0 31.0 30.9 53 30.2 30.2 30.2 30.2 30.1 30.1 30.1 30.1 30.1 30.1 54 29.3 29.3 29.3 29.3 29.3 29.2 29.2 29.2 29.2 29.2 55 28.4 28.4 28.4 28.4 28.4 28.4 28.4 28.3 28.3 28.3 56 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 57 26.7 26.7 26.7 26.6 26.6 26.6 26.6 26.6 26.6 26.6 58 25.8 25.8 25.8 25.8 25.8 25.8 25.8 25.7 25.7 25.7 59 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 60 24.1 24.1 24.1 24.1 24.1 24.0 24.0 24.0 24.0 24.0 61 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 62 22.4 22.4 22.4 22.4 22.4 22.4 22.3 22.3 22.3 22.3 63 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 64 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 65 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 66 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 67 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 68 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 69 16.8 16.8 16.8 16.7 16.7 16.7 16.7 16.7 16.7 16.7 70 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 71 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.2 72 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 73 13.9 13.9 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 74 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 76 11.9 11.9 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 80 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.4 9.4 81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.7 3.7 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 15 16 17 18 19 20 21 22 23 24 15 59.8 59.3 58.8 58.2 57.6 57.0 56.4 55.8 55.1 54.5 16 59.3 58.8 58.3 57.8 57.2 56.7 56.1 55.5 54.8 54.2 17 58.8 58.3 57.8 57.3 56.8 56.3 55.7 55.1 54.5 53.9 18 58.2 57.8 57.3 56.9 56.4 55.9 55.3 54.7 54.2 53.5 19 57.6 57.2 56.8 56.4 55.9 55.4 54.9 54.4 53.8 53.2 20 57.0 56.7 56.3 55.9 55.4 54.9 54.5 53.9 53.4 52.8 21 56.4 56.1 55.7 55.3 54.9 54.5 54.0 53.5 53.0 52.4 22 55.8 55.5 55.1 54.7 54.4 53.9 53.5 53.0 52.5 52.0 23 55.1 54.8 54.5 54.2 53.8 53.4 53.0 52.5 52.1 51.6 24 54.5 54.2 53.9 53.5 53.2 52.8 52.4 52.0 51.6 51.1 25 53.8 53.5 53.2 52.9 52.6 52.2 51.9 51.5 51.1 50.6 26 53.0 52.8 52.5 52.3 52.0 51.6 51.3 50.9 50.5 50.1 27 52.3 52.1 51.8 51.6 51.3 51.0 50.7 50.3 50.0 49.6 28 51.5 51.3 51.1 50.9 50.6 50.3 50.0 49.7 49.4 49.0 29 50.8 50.6 50.4 50.2 49.9 49.7 49.4 49.1 48.8 48.4 30 50.0 49.8 49.6 49.4 49.2 49.0 48.7 48.4 48.1 47.8 31 49.2 49.0 48.9 48.7 48.5 48.3 48.0 47.8 47.5 47.2 32 48.4 48.2 48.1 47.9 47.7 47.5 47.3 47.1 46.8 46.5 33 47.6 47.4 47.3 47.1 47.0 46.8 46.6 46.3 46.1 45.9 34 46.7 46.6 46.5 46.3 46.2 46.0 45.8 45.6 45.4 45.2 35 45.9 45.8 45.7 45.5 45.4 45.2 45.1 44.9 44.7 44.4 36 45.0 44.9 44.8 44.7 44.6 44.4 44.3 44.1 43.9 43.7 37 44.2 44.1 44.0 43.9 43.8 43.6 43.5 43.3 43.2 43.0 38 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.5 42.4 42.2 39 42.4 42.4 42.3 42.2 42.1 42.0 41.9 41.7 41.6 41.4 40 41.6 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8 40.6 41 40.7 40.6 40.5 40.5 40.4 40.3 40.2 40.1 40.0 39.8 42 39.8 39.7 39.7 39.6 39.5 39.4 39.4 39.3 39.1 39.0 43 38.9 38.9 38.8 38.7 38.7 38.6 38.5 38.4 38.3 38.2 44 38.0 38.0 37.9 37.9 37.8 37.7 37.7 37.6 37.5 37.4 45 37.1 37.1 37.0 37.0 36.9 36.9 36.8 36.7 36.6 36.5 46 36.2 36.2 36.2 36.1 36.1 36.0 35.9 35.9 35.8 35.7 47 35.3 35.3 35.3 35.2 35.2 35.1 35.1 35.0 34.9 34.9 48 34.5 34.4 34.4 34.4 34.3 34.3 34.2 34.2 34.1 34.0 49 33.6 33.5 33.5 33.5 33.4 33.4 33.4 33.3 33.2 33.2 50 32.7 32.7 32.6 32.6 32.6 32.5 32.5 32.4 32.4 32.3 51 31.8 31.8 31.8 31.7 31.7 31.7 31.6 31.6 31.5 31.5 52 30.9 30.9 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.6 53 30.0 30.0 30.0 30.0 30.0 29.9 29.9 29.9 29.8 29.8 54 29.2 29.2 29.1 29.1 29.1 29.1 29.0 29.0 29.0 28.9 55 28.3 28.3 28.3 28.3 28.2 28.2 28.2 28.2 28.1 28.1 56 27.4 27.4 27.4 27.4 27.4 27.3 27.3 27.3 27.3 27.2 57 26.6 26.6 26.5 26.5 26.5 26.5 26.5 26.5 26.4 26.4 58 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6 59 24.9 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7 24.7 60 24.0 24.0 24.0 24.0 24.0 23.9 23.9 23.9 23.9 23.9 61 23.2 23.2 23.1 23.1 23.1 23.1 23.1 23.1 23.1 23.0 62 22.3 22.3 22.3 22.3 22.3 22.3 22.3 22.2 22.2 22.2 63 21.5 21.5 21.5 21.5 21.5 21.4 21.4 21.4 21.4 21.4 64 20.7 20.7 20.7 20.6 20.6 20.6 20.6 20.6 20.6 20.6 65 19.9 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8 66 19.1 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0 67 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2 18.2 18.2 68 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.4 17.4 69 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 70 16.0 16.0 16.0 16.0 16.0 16.0 15.9 15.9 15.9 15.9 71 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 72 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 73 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 74 13.2 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 76 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.8 7.8 84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 25 26 27 28 29 30 31 32 33 34 25 50.2 49.7 49.2 48.6 48.1 47.5 46.9 46.2 45.6 44.9 26 49.7 49.2 48.7 48.2 47.7 47.1 46.5 45.9 45.3 44.6 27 49.2 48.7 48.3 47.8 47.3 46.7 46.2 45.6 45.0 44.3 28 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.2 44.6 44.0 29 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.8 44.3 43.7 30 47.5 47.1 46.7 46.3 45.9 45.4 44.9 44.4 43.9 43.3 31 46.9 46.5 46.2 45.8 45.4 44.9 44.5 44.0 43.5 42.9 32 46.2 45.9 45.6 45.2 44.8 44.4 44.0 43.5 43.0 42.5 33 45.6 45.3 45.0 44.6 44.3 43.9 43.5 43.0 42.6 42.1 34 44.9 44.6 44.3 44.0 43.7 43.3 42.9 42.5 42.1 41.6 35 44.2 44.0 43.7 43.4 43.1 42.7 42.4 42.0 41.6 41.1 36 43.5 43.3 43.0 42.7 42.4 42.1 41.8 41.4 41.0 40.6 37 42.8 42.5 42.3 42.1 41.8 41.5 41.2 40.8 40.5 40.1 38 42.0 41.8 41.6 41.4 41.1 40.8 40.6 40.2 39.9 39.5 39 41.3 41.1 40.9 40.7 40.4 40.2 39.9 39.6 39.3 39.0 40 40.5 40.3 40.1 39.9 39.7 39.5 39.2 39.0 38.7 38.4 41 39.7 39.5 39.4 39.2 39.0 38.8 38.5 38.3 38.0 37.7 42 38.9 38.8 38.6 38.4 38.3 38.1 37.8 37.6 37.4 37.1 43 38.1 38.0 37.8 37.7 37.5 37.3 37.1 36.9 36.7 36.4 44 37.3 37.2 37.0 36.9 36.7 36.6 36.4 36.2 36.0 35.8 45 36.5 36.3 36.2 36.1 36.0 35.8 35.6 35.5 35.3 35.1 46 35.6 35.5 35.4 35.3 35.2 35.0 34.9 34.7 34.5 34.4 47 34.8 34.7 34.6 34.5 34.4 34.3 34.1 34.0 33.8 33.6 48 34.0 33.9 33.8 33.7 33.6 33.5 33.4 33.2 33.1 32.9 49 33.1 33.0 33.0 32.9 32.8 32.7 32.6 32.4 32.3 32.2 50 32.3 32.2 32.1 32.1 32.0 31.9 31.8 31.7 31.5 31.4 51 31.4 31.4 31.3 31.2 31.2 31.1 31.0 30.9 30.8 30.6 52 30.6 30.5 30.5 30.4 30.3 30.3 30.2 30.1 30.0 29.9 53 29.7 29.7 29.6 29.6 29.5 29.5 29.4 29.3 29.2 29.1 54 28.9 28.9 28.8 28.8 28.7 28.6 28.6 28.5 28.4 28.3 55 28.1 28.0 28.0 27.9 27.9 27.8 27.8 27.7 27.6 27.5 56 27.2 27.2 27.1 27.1 27.0 27.0 26.9 26.9 26.8 26.7 57 26.4 26.3 26.3 26.3 26.2 26.2 26.1 26.1 26.0 25.9 58 25.5 25.5 25.5 25.4 25.4 25.4 25.3 25.3 25.2 25.1 59 24.7 24.7 24.6 24.6 24.6 24.5 24.5 24.5 24.4 24.3 60 23.9 23.8 23.8 23.8 23.8 23.7 23.7 23.6 23.6 23.5 61 23.0 23.0 23.0 23.0 22.9 22.9 22.9 22.8 22.8 22.7 62 22.2 22.2 22.2 22.1 22.1 22.1 22.1 22.0 22.0 21.9 63 21.4 21.4 21.3 21.3 21.3 21.3 21.3 21.2 21.2 21.2 64 20.6 20.6 20.5 20.5 20.5 20.5 20.5 20.4 20.4 20.4 65 19.8 19.8 19.7 19.7 19.7 19.7 19.7 19.6 19.6 19.6 66 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.8 18.8 67 18.2 18.2 18.2 18.2 18.2 18.1 18.1 18.1 18.1 18.1 68 17.4 17.4 17.4 17.4 17.4 17.4 17.4 17.3 17.3 17.3 69 16.7 16.7 16.7 16.6 16.6 16.6 16.6 16.6 16.6 16.6 70 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.8 15.8 71 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.1 15.1 15.1 72 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4 14.4 73 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.7 13.7 74 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 75 12.5 12.5 12.5 12.4 12.4 12.4 12.4 12.4 12.4 12.4 76 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.1 78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.5 79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82 8.4 8.4 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 83 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 35 36 37 38 39 40 41 42 43 44 35 40.7 40.2 39.7 39.2 38.6 38.0 37.4 36.8 36.2 35.5 36 40.2 39.7 39.3 38.7 38.2 37.7 37.1 36.5 35.9 35.2 37 39.7 39.3 38.8 38.3 37.8 37.3 36.7 36.2 35.6 34.9 38 39.2 38.7 38.3 37.9 37.4 36.9 36.3 35.8 35.2 34.6 39 38.6 38.2 37.8 37.4 36.9 36.4 35.9 35.4 34.9 34.3 40 38.0 37.7 37.3 36.9 36.4 36.0 35.5 35.0 34.5 34.0 41 37.4 37.1 36.7 36.3 35.9 35.5 35.1 34.6 34.1 33.6 42 36.8 36.5 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2 43 36.2 35.9 35.6 35.2 34.9 34.5 34.1 33.7 33.2 32.8 44 35.5 35.2 34.9 34.6 34.3 34.0 33.6 33.2 32.8 32.3 45 34.8 34.6 34.3 34.0 33.7 33.4 33.0 32.7 32.3 31.8 46 34.1 33.9 33.7 33.4 33.1 32.8 32.5 32.1 31.8 31.4 47 33.4 33.2 33.0 32.8 32.5 32.2 31.9 31.6 31.2 30.8 48 32.7 32.5 32.3 32.1 31.8 31.6 31.3 31.0 30.7 30.3 49 32.0 31.8 31.6 31.4 31.2 30.9 30.7 30.4 30.1 29.8 50 31.3 31.1 30.9 30.7 30.5 30.3 30.0 29.8 29.5 29.2 51 30.5 30.4 30.2 30.0 29.8 29.6 29.4 29.2 28.9 28.6 52 29.7 29.6 29.5 29.3 29.1 28.9 28.7 28.5 28.3 28.0 53 29.0 28.9 28.7 28.6 28.4 28.2 28.1 27.9 27.6 27.4 54 28.2 28.1 28.0 27.8 27.7 27.5 27.4 27.2 27.0 26.8 55 27.4 27.3 27.2 27.1 27.0 26.8 26.7 26.5 26.3 26.1 56 26.7 26.6 26.5 26.3 26.2 26.1 26.0 25.8 25.6 25.4 57 25.9 25.8 25.7 25.6 25.5 25.4 25.2 25.1 24.9 24.8 58 25.1 25.0 24.9 24.8 24.7 24.6 24.5 24.4 24.2 24.1 59 24.3 24.2 24.1 24.1 24.0 23.9 23.8 23.6 23.5 23.4 60 23.5 23.4 23.4 23.3 23.2 23.1 23.0 22.9 22.8 22.7 61 22.7 22.6 22.6 22.5 22.4 22.4 22.3 22.2 22.1 22.0 62 21.9 21.9 21.8 21.7 21.7 21.6 21.5 21.4 21.3 21.2 63 21.1 21.1 21.0 21.0 20.9 20.8 20.8 20.7 20.6 20.5 64 20.3 20.3 20.2 20.2 20.1 20.1 20.0 20.0 19.9 19.8 65 19.6 19.5 19.5 19.4 19.4 19.3 19.3 19.2 19.1 19.1 66 18.8 18.8 18.7 18.7 18.6 18.6 18.5 18.5 18.4 18.4 67 18.0 18.0 18.0 17.9 17.9 17.9 17.8 17.8 17.7 17.6 68 17.3 17.3 17.2 17.2 17.2 17.1 17.1 17.0 17.0 16.9 69 16.5 16.5 16.5 16.5 16.4 16.4 16.4 16.3 16.3 16.2 70 15.8 15.8 15.8 15.7 15.7 15.7 15.6 15.6 15.6 15.5 71 15.1 15.1 15.1 15.0 15.0 15.0 15.0 14.9 14.9 14.9 72 14.4 14.4 14.4 14.3 14.3 14.3 14.3 14.2 14.2 14.2 73 13.7 13.7 13.7 13.7 13.7 13.6 13.6 13.6 13.6 13.5 74 13.1 13.0 13.0 13.0 13.0 13.0 13.0 12.9 12.9 12.9 75 12.4 12.4 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2 76 11.8 11.8 11.7 11.7 11.7 11.7 11.7 11.7 11.6 11.6 77 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.0 11.0 78 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.4 79 10.0 10.0 9.9 9.9 9.9 9.9 9.9 9.9 9.9 9.9 80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.3 9.3 9.3 81 8.9 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8 82 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 83 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 84 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.4 6.4 6.4 6.4 6.4 6.4 87 6.1 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.6 5.6 5.6 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.6 4.6 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.6 2.6 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 45 46 47 48 49 50 51 52 53 54 45 31.4 30.9 30.5 30.0 29.4 28.9 28.3 27.7 27.1 26.5 46 30.9 30.5 30.0 29.6 29.1 28.5 28.0 27.4 26.9 26.3 47 30.5 30.0 29.6 29.2 28.7 28.2 27.7 27.1 26.6 26.0 48 30.0 29.6 29.2 28.7 28.3 27.8 27.3 26.8 26.3 25.7 49 29.4 29.1 28.7 28.3 27.9 27.4 26.9 26.5 25.9 25.4 50 28.9 28.5 28.2 27.4 27.4 27.0 26.5 26.1 25.6 25.1 51 28.3 28.0 27.7 27.3 26.9 26.5 26.1 25.7 25.2 24.7 52 27.7 27.4 27.1 26.8 26.5 26.1 25.7 25.3 24.8 24.4 53 27.1 26.9 26.6 26.3 25.9 25.6 25.2 24.8 24.4 24.0 54 26.5 26.3 26.0 25.7 25.4 25.1 24.7 24.4 24.0 23.6 55 25.9 25.7 25.4 25.1 24.9 24.6 24.2 23.9 23.5 23.2 56 25.2 25.0 24.8 24.6 24.3 24.0 23.7 23.4 23.1 22.7 57 24.6 24.4 24.2 24.0 23.7 23.5 23.2 22.9 22.6 22.2 58 23.9 23.7 23.5 23.3 23.1 22.9 22.6 22.4 22.1 21.7 59 23.2 23.1 22.9 22.7 22.5 22.3 22.1 21.8 21.5 21.2 60 22.5 22.4 22.2 22.1 21.9 21.7 21.5 21.2 21.0 20.7 61 21.8 21.7 21.6 21.4 21.2 21.1 20.9 20.6 20.4 20.2 62 21.1 21.0 20.9 20.7 20.6 20.4 20.2 20.0 19.8 19.6 63 20.4 20.3 20.2 20.1 19.9 19.8 19.6 19.4 19.2 19.0 64 19.7 19.6 19.5 19.4 19.3 19.1 19.0 18.8 18.6 18.5 65 19.0 18.9 18.8 18.7 18.6 18.5 18.3 18.2 18.0 17.9 66 18.3 18.2 18.1 18.0 17.9 17.8 17.7 17.6 17.4 17.3 67 17.6 17.5 17.4 17.3 17.3 17.2 17.1 16.9 16.8 16.7 68 16.9 16.8 16.7 16.7 16.6 16.5 16.4 16.3 16.2 16.1 69 16.2 16.1 16.1 16.0 15.9 15.8 15.8 15.7 15.6 15.4 70 15.5 15.4 15.4 15.3 15.3 15.2 15.1 15.0 14.9 14.8 71 14.8 14.8 14.7 14.7 14.6 14.5 14.5 14.4 14.3 14.2 72 14.1 14.1 14.1 14.0 14.0 13.9 13.8 13.8 13.7 13.6 73 13.5 13.5 13.4 13.4 13.3 13.3 13.2 13.2 13.1 13.0 74 12.8 12.8 12.8 12.7 12.7 12.7 12.6 12.6 12.5 12.4 75 12.2 12.2 12.2 12.1 12.1 12.1 12.0 12.0 11.9 11.9 76 11.6 11.6 11.6 11.5 11.5 11.5 11.4 11.4 11.3 11.3 77 11.0 11.0 11.0 10.9 10.9 10.9 10.8 10.8 10.8 10.7 78 10.4 10.4 10.4 10.4 10.3 10.3 10.3 10.2 10.2 10.2 79 9.9 9.8 9.8 9.8 9.8 9.8 9.7 9.7 9.7 9.6 80 9.3 9.3 9.3 9.3 9.2 9.2 9.2 9.2 9.1 9.1 81 8.8 8.8 8.7 8.7 8.7 8.7 8.7 8.7 8.6 8.6 82 8.3 8.2 8.2 8.2 8.2 8.2 8.2 8.2 8.1 8.1 83 7.8 7.8 7.7 7.7 7.7 7.7 7.7 7.7 7.7 7.6 84 7.3 7.3 7.3 7.3 7.3 7.2 7.2 7.2 7.2 7.2 85 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.7 86 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.3 6.3 87 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 5.9 88 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 89 5.3 5.3 5.3 5.3 5.3 5.3 5.2 5.2 5.2 5.2 90 5.0 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 91 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 92 4.4 4.4 4.4 4.3 4.3 4.3 4.3 4.3 4.3 4.3 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 55 56 57 58 59 60 61 62 63 64 55 22.7 22.3 21.9 21.4 20.9 20.4 19.9 19.4 18.8 18.3 56 22.3 21.9 21.5 21.1 20.6 20.1 19.6 19.1 18.6 18.0 57 21.9 21.5 21.1 20.7 20.3 19.8 19.3 18.8 18.3 17.8 58 21.4 21.1 20.7 20.3 19.9 19.5 19.0 18.5 18.0 17.5 59 20.9 20.6 20.3 19.9 19.5 19.1 18.7 18.2 17.7 17.3 60 20.4 20.1 19.8 19.5 19.1 18.7 18.3 17.9 17.4 17.0 61 29.9 19.6 19.3 19.0 18.7 18.3 17.9 17.5 17.1 16.7 62 19.4 19.1 18.8 18.5 18.2 17.9 17.5 17.1 16.8 16.3 63 18.8 18.6 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.0 64 18.3 18.0 17.8 17.5 17.3 17.0 16.7 16.3 16.0 15.6 65 17.7 17.5 17.3 17.0 16.8 16.5 16.2 15.9 15.6 15.3 66 17.1 16.9 16.7 16.5 16.3 16.0 15.8 15.5 15.2 14.9 67 16.5 16.3 16.2 16.0 15.8 15.5 15.3 15.0 14.7 14.5 68 15.9 15.8 15.6 15.4 15.2 15.0 14.8 14.6 14.3 14.0 69 15.3 15.2 15.0 14.9 14.7 14.5 14.3 14.1 13.9 13.6 70 14.7 14.6 14.5 14.3 14.2 14.0 13.8 13.6 13.4 13.2 71 14.1 14.0 13.9 13.8 13.6 13.5 13.3 13.1 12.9 12.7 72 13.5 13.4 13.3 13.2 13.1 12.9 12.8 12.6 12.4 12.3 73 13.0 12.9 12.8 12.7 12.5 12.4 12.3 12.1 12.0 11.8 74 12.4 12.3 12.2 12.1 12.0 11.9 11.8 11.6 11.5 11.3 75 11.8 11.7 11.7 11.6 11.5 11.4 11.3 11.1 11.0 10.9 76 11.2 11.2 11.1 11.0 10.9 10.9 10.8 10.6 10.5 10.4 77 10.7 10.6 10.6 10.5 10.4 10.3 10.3 10.2 10.0 9.9 78 10.1 10.1 10.0 10.0 9.9 9.8 9.8 9.7 9.6 9.5 79 9.6 9.6 9.5 9.5 9.4 9.3 9.3 9.2 9.1 9.0 80 9.1 9.0 9.0 9.0 8.9 8.9 8.8 8.7 8.7 8.6 81 8.6 8.5 8.5 8.5 8.4 8.4 8.3 8.3 8.2 8.1 82 8.1 8.1 8.0 8.0 8.0 7.9 7.9 7.8 7.8 7.7 83 7.6 7.6 7.6 7.5 7.5 7.5 7.4 7.4 7.3 7.3 84 7.2 7.1 7.1 7.1 7.1 7.0 7.0 7.0 6.9 6.9 85 6.7 6.7 6.7 6.7 6.6 6.6 6.6 6.5 6.5 6.5 86 6.3 6.3 6.3 6.3 6.2 6.2 6.2 6.2 6.1 6.1 87 5.9 5.9 5.9 5.9 5.9 5.8 5.8 5.8 5.8 5.7 88 5.6 5.5 5.5 5.5 5.5 5.5 5.5 5.4 5.4 5.4 89 5.2 5.2 5.2 5.2 5.2 5.1 5.1 5.1 5.1 5.1 90 4.9 4.9 4.9 4.9 4.9 4.8 4.8 4.8 4.8 4.8 91 4.6 4.6 4.6 4.6 4.6 4.5 4.5 4.5 4.5 4.5 92 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.2 4.2 4.2 93 4.1 4.1 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 94 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.7 95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.5 3.5 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.3 3.3 3.3 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.1 3.1 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 101 2.5 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.2 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.7 1.7 1.7 1.7 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 65 66 67 68 69 70 71 72 73 74 65 14.9 14.5 14.1 13.7 13.3 12.9 12.5 12.0 11.6 11.2 66 14.5 14.2 13.8 13.4 13.1 12.6 12.2 11.8 11.4 11.0 67 14.1 13.8 13.5 13.1 12.8 12.4 12.0 11.6 11.2 10.8 68 13.7 13.4 13.1 12.8 12.5 12.1 11.7 11.4 11.0 10.6 69 13.3 13.1 12.8 12.5 12.1 11.8 11.4 11.1 10.7 10.4 70 12.9 12.6 12.4 12.1 11.8 11.5 11.2 10.8 10.5 10.1 71 12.5 12.2 12.0 11.7 11.4 11.2 10.9 10.5 10.2 9.9 72 12.0 11.8 11.6 11.4 11.1 10.8 10.5 10.2 9.9 9.6 73 11.6 11.4 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4 74 11.2 11.0 10.8 10.6 10.4 10.1 9.9 9.6 9.4 9.1 75 10.7 10.5 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8 76 10.3 10.1 9.9 9.8 9.6 9.4 9.2 9.0 8.8 8.5 77 9.8 9.7 9.5 9.4 9.2 9.0 8.8 8.6 8.4 8.2 78 9.4 9.2 9.1 9.0 8.8 8.7 8.5 8.3 8.1 7.9 79 8.9 8.8 8.7 8.6 8.4 8.3 8.1 8.0 7.8 7.6 80 8.5 8.4 8.3 8.2 8.0 7.9 7.8 7.6 7.5 7.3 81 8.0 8.0 7.9 7.9 7.7 7.5 7.4 7.3 7.1 7.0 82 7.6 7.5 7.5 7.4 7.3 7.2 7.1 6.9 6.8 6.7 83 7.2 7.1 7.1 7.0 6.9 6.8 6.7 6.6 6.5 6.4 84 6.8 6.7 6.7 6.6 6.5 6.4 6.4 6.3 6.2 6.0 85 6.4 6.4 6.3 6.2 6.2 6.1 6.0 5.9 5.8 5.7 86 6.0 6.0 5.9 5.9 5.8 5.8 5.7 5.6 5.5 5.4 87 5.7 5.6 5.6 5.6 5.5 5.4 5.4 5.3 5.2 5.2 88 5.3 5.3 5.3 5.2 5.2 5.1 5.1 5.0 5.0 4.9 89 5.0 5.0 5.0 4.9 4.9 4.8 4.8 4.7 4.7 4.6 90 4.7 4.7 4.7 4.6 4.6 4.6 4.5 4.5 4.4 4.4 91 4.5 4.4 4.4 4.4 4.3 4.3 4.3 4.2 4.2 4.1 92 4.2 4.2 4.1 4.1 4.1 4.1 4.0 4.0 3.9 3.9 93 3.9 3.9 3.9 3.9 3.9 3.8 3.8 3.8 3.7 3.7 94 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6 3.5 3.5 95 3.5 3.5 3.5 3.5 3.4 3.4 3.4 3.4 3.3 3.3 96 3.3 3.3 3.3 3.3 3.3 3.2 3.2 3.2 3.2 3.1 97 3.1 3.1 3.1 3.1 3.1 3.1 3.0 3.0 3.0 3.0 98 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.8 2.8 99 2.8 2.8 2.8 2.7 2.7 2.7 2.7 2.7 2.7 2.6 100 2.6 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.5 2.5 101 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.3 2.3 102 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 103 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 2.0 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 .19 1.9 105 1.7 1.7 1.7 1.7 .17 1.7 1.7 1.7 1.7 1.7 106 1.6 1.6 .16 1.6 1.6 1.6 1.6 1.6 1.5 1.5 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .6 .6 .6 .6 .6 114 .6 .6 .6 .6 .6 .6 .5 .5 .5 .5 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 75 76 77 78 79 80 81 82 83 84 75 8.6 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9 76 8.3 8.0 7.8 7.5 7.2 6.9 6.7 6.4 6.1 5.8 77 8.0 7.8 7.5 7.3 7.0 6.8 6.5 6.2 5.9 5.7 78 7.7 7.5 7.3 7.0 6.8 6.6 6.3 6.0 5.8 5.5 79 7.4 7.2 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4 80 7.1 6.9 6.8 6.6 6.3 6.1 5.9 5.7 5.5 5.2 81 6.8 6.7 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1 82 6.5 6.4 6.2 6.0 5.9 5.7 5.5 5.3 5.1 4.9 83 6.2 6.1 5.9 5.8 5.6 5.5 5.3 5.1 4.9 4.7 84 5.9 5.8 5.7 5.5 5.4 5.2 5.1 4.9 4.7 4.6 85 5.6 5.5 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.4 86 5.4 5.3 5.1 5.0 4.9 4.8 4.7 4.5 4.4 4.2 87 5.1 5.0 4.9 4.8 4.7 4.6 4.4 4.3 4.2 4.1 88 4.8 4.7 4.6 4.5 4.4 4.3 4.2 4.1 4.0 3.9 89 4.5 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7 90 4.3 4.2 4.2 4.1 4.0 3.9 3.8 3.8 3.7 3.5 91 4.1 4.0 4.0 3.9 3.8 3.7 3.7 3.6 3.5 3.4 92 3.9 3.8 3.7 3.7 3.6 3.6 3.5 3.4 3.3 3.2 93 3.7 3.6 3.6 3.5 3.4 3.4 3.3 3.2 3.2 3.1 94 3.5 3.4 3.4 3.3 3.3 3.2 3.2 3.1 3.0 3.0 95 3.3 3.2 3.2 3.2 3.1 3.1 3.0 3.0 2.9 2.8 96 3.1 3.1 3.0 3.0 3.0 2.9 2.9 2.8 2.8 2.7 97 2.9 2.9 2.9 2.9 2.8 2.8 2.7 2.7 2.6 2.6 98 2.8 2.8 2.7 2.7 2.7 2.6 2.6 2.6 2.5 2.5 99 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.4 2.4 2.3 100 2.5 2.5 2.4 2.4 2.4 2.4 2.3 2.3 2.3 2.2 101 2.3 2.3 2.3 2.3 2.2 2.2 2.2 2.2 2.1 2.1 102 2.2 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 103 2.0 2.0 2.0 2.0 1.9 1.9 1.9 1.9 1.9 1.8 104 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.7 1.7 1.7 105 1.7 1.7 1.7 1.7 1.6 1.6 1.6 1.6 1.6 1.6 106 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.4 107 1.4 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 108 1.3 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .8 .8 112 .8 .8 .8 .7 .7 .7 .7 .7 .7 .7 113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 85 86 87 88 89 90 91 92 93 94 85 4.2 4.1 3.9 3.8 3.6 3.4 3.3 3.2 3.0 2.9 86 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.1 2.9 2.8 87 3.9 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.8 2.7 88 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.6 89 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.7 2.6 90 3.4 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 91 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4 92 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4 2.3 93 3.0 2.9 2.8 2.8 2.7 2.6 2.5 2.4 2.3 2.3 94 2.9 2.8 2.7 2.6 2.6 2.5 2.4 2.3 2.3 2.2 95 2.8 2.7 2.6 2.5 2.5 2.4 2.3 2.2 2.2 2.1 96 2.6 2.6 2.5 2.4 2.4 2.3 2.2 2.2 2.1 2.0 97 2.5 2.5 2.4 2.3 2.3 2.2 2.2 2.1 2.0 2.0 98 2.4 2.4 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9 99 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.8 100 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8 101 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8 1.7 1.7 102 1.9 1.9 1.9 1.8 1.8 1.8 1.7 1.7 1.6 1.6 103 1.8 1.8 1.8 1.7 1.7 1.7 1.6 1.6 1.5 1.5 104 1.7 1.7 1.6 1.6 1.6 1.5 1.5 1.5 1.5 1.4 105 1.6 1.5 1.5 1.5 1.5 1.4 1.4 1.4 1.4 1.3 106 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 1.2 107 1.3 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.2 1.2 108 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1 109 1.1 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 110 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 111 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 112 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 95 96 97 98 99 100 101 102 103 104 95 2.0 2.0 1.9 1.8 1.8 1.7 1.6 1.6 1.5 1.4 96 2.0 1.9 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4 97 1.9 1.9 1.8 1.7 1.7 1.6 1.6 1.5 1.4 1.3 98 1.8 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.3 99 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3 100 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3 101 1.6 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3 1.2 102 1.6 1.5 1.5 1.5 1.4 1.4 1.3 1.3 1.2 1.2 103 1.5 1.5 1.4 1.4 1.4 1.3 1.3 1.2 1.2 1.1 104 1.4 1.4 1.3 1.3 1.3 1.3 1.2 1.2 1.1 1.1 105 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.1 1.1 1.0 106 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.0 1.0 107 1.1 1.1 1.1 1.1 1.1 1.0 1.0 1.0 1.0 9 108 1.0 1.0 1.0 1.0 1.0 1.0 1.0 .9 .9 .9 109 1.0 .9 .9 .9 .9 .9 .9 .9 .8 .8 110 .9 .9 .8 .8 .8 .8 .8 .8 .8 .8 111 .8 .8 .8 .8 .8 .7 .7 .7 .7 .7 112 .7 .7 .7 .7 .7 .7 .7 .7 .6 .6 113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIaa - Annuities for Joint Life Only; Two Lives - Expected Return Multiples
Ages 105 106 107 108 109 110 111 112 113 114 115 105 1.0 1.0 .9 .9 .8 .7 .7 .6 .6 .5 .5 106 1.0 .9 .9 .8 .8 .7 .7 .6 .6 .5 .5 107 .9 .9 .8 .8 .7 .7 .7 .6 .6 .5 .5 108 .9 .8 .8 .8 .7 .7 .6 .6 .5 .5 .5 109 .8 .8 .7 .7 .7 .7 .6 .6 .5 .5 .5 110 .7 .7 .7 .7 .7 .6 .6 .6 .5 .5 .5 111 .7 .7 .7 .6 .6 .6 .6 .5 .5 .5 .5 112 .6 .6 .6 .6 .6 .6 .5 .5 .5 .5 .5 113 .6 .6 .6 .5 .5 .5 .5 .5 .5 .5 .5 114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VII - Percent Value of Refund Feature; Duration of Guaranteed Amount
Age Years - 1 2 3 4 5 6 7 8 9 10 5 0 0 0 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 0 0 0 7 0 0 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0 0 9 0 0 0 0 0 0 0 0 0 0 10 0 0 0 0 0 0 0 0 0 0 11 0 0 0 0 0 0 0 0 0 0 12 0 0 0 0 0 0 0 0 0 0 13 0 0 0 0 0 0 0 0 0 0 14 0 0 0 0 0 0 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 16 0 0 0 0 0 0 0 0 0 0 17 0 0 0 0 0 0 0 0 0 0 18 0 0 0 0 0 0 0 0 0 0 19 0 0 0 0 0 0 0 0 0 0 20 0 0 0 0 0 0 0 0 0 0 21 0 0 0 0 0 0 0 0 0 0 22 0 0 0 0 0 0 0 0 0 0 23 0 0 0 0 0 0 0 0 0 0 24 0 0 0 0 0 0 0 0 0 0 25 0 0 0 0 0 0 0 0 0 0 26 0 0 0 0 0 0 0 0 0 0 27 0 0 0 0 0 0 0 0 0 0 28 0 0 0 0 0 0 0 0 0 0 29 0 0 0 0 0 0 0 0 0 0 30 0 0 0 0 0 0 0 0 0 0 31 0 0 0 0 0 0 0 0 0 0 32 0 0 0 0 0 0 0 0 0 0 33 0 0 0 0 0 0 0 0 0 0 34 0 0 0 0 0 0 0 0 0 0 35 0 0 0 0 0 0 0 0 0 0 36 0 0 0 0 0 0 0 0 0 0 37 0 0 0 0 0 0 0 0 0 1 38 0 0 0 0 0 0 0 0 0 1 39 0 0 0 0 0 0 0 0 1 1 40 0 0 0 0 0 0 0 1 1 1 41 0 0 0 0 0 0 0 1 1 1 42 0 0 0 0 0 0 1 1 1 1 43 0 0 0 0 0 0 1 1 1 1 44 0 0 0 0 0 1 1 1 1 1 45 0 0 0 0 0 1 1 1 1 1 46 0 0 0 0 1 1 1 1 1 1 47 0 0 0 0 1 1 1 1 1 1 48 0 0 0 0 1 1 1 1 1 1 49 0 0 0 1 1 1 1 1 1 2 50 0 0 0 1 1 1 1 1 1 2 51 0 0 0 1 1 1 1 1 2 2 52 0 0 0 1 1 1 1 1 2 2 53 0 0 1 1 1 1 1 2 2 2 54 0 0 1 1 1 1 1 2 2 2 55 0 0 1 1 1 1 2 2 2 2 56 0 0 1 1 1 1 2 2 2 3 57 0 0 1 1 1 2 2 2 3 3 58 0 1 1 1 1 2 2 2 3 3 59 0 1 1 1 1 2 2 3 3 4 60 0 1 1 1 2 2 2 3 3 4 61 0 1 1 1 2 2 3 3 4 4 62 0 1 1 2 2 2 3 4 4 5 63 0 1 1 2 2 3 3 4 5 5 64 0 1 1 2 2 3 4 4 5 6 65 0 1 2 2 3 3 4 5 6 6 66 1 1 2 2 3 4 5 5 6 7 67 1 1 2 3 3 4 5 6 7 8 68 1 1 2 3 4 5 6 7 8 9 69 1 1 2 3 4 5 6 7 8 10 70 1 2 3 4 5 6 7 8 9 11 71 1 2 3 4 5 6 8 9 10 12 72 1 2 3 4 6 7 8 10 11 13 73 1 2 4 5 6 8 9 11 13 14 74 1 3 4 5 7 9 10 12 14 16 75 1 3 4 6 8 9 11 13 15 17 76 2 3 5 7 9 10 12 15 17 19 77 2 4 5 7 9 12 14 16 18 21 78 2 4 6 8 10 13 15 18 20 23 79 2 4 7 9 11 14 17 19 22 25 80 2 5 7 10 13 15 18 21 24 27 81 3 5 8 11 14 17 20 23 26 29 82 3 6 9 12 15 19 22 25 28 32 83 3 7 10 13 17 20 24 27 31 34 84 4 7 11 15 19 22 26 30 33 37 85 4 8 12 16 20 24 28 32 36 40 86 4 9 13 18 22 27 31 35 39 42 87 5 10 15 20 24 29 33 37 41 45 88 5 11 16 21 26 31 36 40 44 48 89 6 12 18 23 28 33 38 43 47 50 90 7 13 19 25 31 36 41 45 49 53 91 7 14 21 27 33 38 43 48 52 55 92 8 15 22 29 35 40 45 50 54 58 93 9 17 24 31 37 43 48 52 56 60 94 9 18 26 33 39 45 50 54 58 62 95 10 19 27 35 41 47 52 57 60 64 96 11 20 29 36 43 49 54 59 62 66 97 11 21 30 38 45 51 56 61 64 68 98 12 23 32 40 47 53 58 63 66 69 99 13 24 34 42 49 55 60 65 68 71 100 14 26 36 44 52 58 63 67 70 73 101 14 27 38 47 54 60 65 69 72 75 102 15 29 40 49 56 62 67 71 74 77 103 17 31 42 52 59 65 69 73 76 78 104 18 33 45 55 62 67 72 75 78 80 105 19 36 48 58 65 70 74 77 80 82 106 21 38 51 61 68 73 77 79 82 84 107 23 42 55 64 71 75 79 81 84 85 108 25 45 58 67 73 78 81 83 85 87 109 28 49 62 71 76 80 83 85 87 88 110 31 52 66 74 79 82 85 87 88 89 111 34 57 70 77 82 85 87 88 90 91 112 37 61 73 80 84 87 88 90 91 92 113 41 66 77 83 86 88 90 91 92 93 114 45 70 80 85 88 90 92 93 93 94 115 50 75 83 88 90 92 93 94 94 95 Table VII - Percent Value of Refund Feature; Duration of Guaranteed Amount
Age Years - 11 12 13 14 15 16 17 18 19 20 5 0 0 0 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 0 0 0 7 0 0 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0 0 9 0 0 0 0 0 0 0 0 0 0 10 0 0 0 0 0 0 0 0 0 0 11 0 0 0 0 0 0 0 0 0 0 12 0 0 0 0 0 0 0 0 0 0 13 0 0 0 0 0 0 0 0 0 0 14 0 0 0 0 0 0 0 0 0 0 15 0 0 0 0 0 0 0 0 0 0 16 0 0 0 0 0 0 0 0 0 0 17 0 0 0 0 0 0 0 0 0 0 18 0 0 0 0 0 0 0 0 0 0 19 0 0 0 0 0 0 0 0 0 0 20 0 0 0 0 0 0 0 0 0 1 21 0 0 0 0 0 0 0 0 0 1 22 0 0 0 0 0 0 0 0 1 1 23 0 0 0 0 0 0 0 1 1 1 24 0 0 0 0 0 0 0 1 1 1 25 0 0 0 0 0 0 1 1 1 1 26 0 0 0 0 0 0 1 1 1 1 27 0 0 0 0 0 1 1 1 1 1 28 0 0 0 0 1 1 1 1 1 1 29 0 0 0 0 1 1 1 1 1 1 30 0 0 0 1 1 1 1 1 1 1 31 0 0 0 1 1 1 1 1 1 1 32 0 0 1 1 1 1 1 1 1 1 33 0 0 1 1 1 1 1 1 1 1 34 0 1 1 1 1 1 1 1 1 1 35 0 1 1 1 1 1 1 1 1 1 36 1 1 1 1 1 1 1 1 1 1 37 1 1 1 1 1 1 1 1 1 1 38 1 1 1 1 1 1 1 1 1 2 39 1 1 1 1 1 1 1 1 2 2 40 1 1 1 1 1 1 1 2 2 2 41 1 1 1 1 1 1 2 2 2 2 42 1 1 1 1 1 2 2 2 2 2 43 1 1 1 1 2 2 2 2 2 3 44 1 1 1 2 2 2 2 2 3 3 45 1 1 2 2 2 2 2 3 3 3 46 1 2 2 2 2 2 3 3 3 3 47 1 2 2 2 2 2 3 3 3 4 48 2 2 2 2 2 3 3 3 4 4 49 2 2 2 2 3 3 3 4 4 4 50 2 2 2 3 3 3 3 4 4 5 51 2 2 3 3 3 3 4 4 4 5 52 2 2 3 3 3 4 4 5 5 5 53 2 3 3 3 4 4 5 5 5 6 54 3 3 3 4 4 4 5 5 6 7 55 3 3 4 4 4 5 5 6 7 7 56 3 3 4 4 5 5 6 7 7 8 57 3 4 4 5 5 6 6 7 8 9 58 4 4 5 5 6 6 7 8 9 9 59 4 5 5 6 6 7 8 9 9 10 60 4 5 6 6 7 8 9 10 10 11 61 5 6 6 7 8 9 10 10 11 13 62 5 6 7 8 9 10 11 12 13 14 63 6 7 8 9 10 11 12 13 14 15 64 7 8 8 9 10 12 13 14 15 17 65 7 8 9 10 12 13 14 15 17 18 66 8 9 10 12 13 14 15 17 18 20 67 9 10 11 13 14 15 17 18 20 22 68 10 11 13 14 15 17 19 20 22 24 69 11 12 14 15 17 19 20 22 24 26 70 12 14 15 17 19 20 22 24 26 28 71 13 15 17 18 20 22 24 26 28 30 72 15 17 18 20 22 24 26 28 30 32 73 16 18 20 22 24 26 28 31 33 35 74 18 20 22 24 26 28 31 33 35 37 75 19 22 24 26 28 31 33 35 38 40 76 21 24 26 28 31 33 36 38 40 43 77 23 26 28 31 33 36 38 41 43 45 78 25 28 31 33 36 38 41 43 46 48 79 28 30 33 36 38 41 44 46 48 51 80 30 33 36 38 41 44 46 49 51 53 81 32 35 38 41 44 47 49 51 54 56 82 35 38 41 44 47 49 52 54 56 58 83 38 41 44 47 49 52 54 57 59 61 84 40 44 47 49 52 55 57 59 61 63 85 43 46 49 52 55 57 59 62 63 65 86 46 49 52 55 57 60 62 64 66 67 87 48 52 55 57 60 62 64 66 68 69 88 51 54 57 60 62 64 66 68 70 71 89 54 57 60 62 65 67 68 70 72 73 90 56 59 62 64 67 69 70 72 74 75 91 59 62 64 67 69 71 72 74 75 76 92 61 64 66 69 71 72 74 75 77 78 93 63 66 68 70 72 74 75 77 78 79 94 65 68 70 72 74 75 77 78 79 80 95 67 69 72 74 75 77 78 79 81 82 96 69 71 73 75 77 78 80 81 82 83 97 70 73 75 77 78 80 81 82 83 84 98 72 74 76 78 79 81 82 83 84 85 99 74 76 78 79 81 82 83 84 85 86 100 75 78 79 81 82 83 84 85 86 86 101 77 79 81 82 83 84 85 86 87 87 102 79 81 82 83 84 85 86 87 88 88 103 80 82 83 85 86 87 87 88 89 89 104 82 84 85 86 87 88 88 89 90 90 105 84 85 86 87 88 89 89 90 90 91 106 85 86 87 88 89 90 90 91 91 92 107 87 88 89 89 90 91 91 92 92 93 108 88 89 90 90 91 92 92 93 93 93 109 89 90 91 92 92 93 93 93 94 94 110 90 91 92 92 93 93 94 94 94 95 111 92 92 93 93 94 94 95 95 95 95 112 93 93 94 94 95 95 95 96 96 96 113 94 94 95 95 95 96 96 96 96 97 114 95 95 95 96 96 96 97 97 97 97 115 95 96 96 96 97 97 97 97 97 98 Table VII - Percent Value of Refund Feature; Duration of Guaranteed Amount
Age Years - 21 22 23 24 25 26 27 28 29 30 5 0 0 0 0 0 0 0 0 0 0 6 0 0 0 0 0 0 0 0 0 0 7 0 0 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 0 0 0 1 9 0 0 0 0 0 0 0 0 1 1 10 0 0 0 0 0 0 0 1 1 1 11 0 0 0 0 0 0 1 1 1 1 12 0 0 0 0 0 0 1 1 1 1 13 0 0 0 0 0 1 1 1 1 1 14 0 0 0 0 1 1 1 1 1 1 15 0 0 0 1 1 1 1 1 1 1 16 0 0 1 1 1 1 1 1 1 1 17 0 0 1 1 1 1 1 1 1 1 18 0 1 1 1 1 1 1 1 1 1 19 1 1 1 1 1 1 1 1 1 1 20 1 1 1 1 1 1 1 1 1 1 21 1 1 1 1 1 1 1 1 1 1 22 1 1 1 1 1 1 1 1 1 1 23 1 1 1 1 1 1 1 1 1 1 24 1 1 1 1 1 1 1 1 1 1 25 1 1 1 1 1 1 1 1 1 1 26 1 1 1 1 1 1 1 1 1 1 27 1 1 1 1 1 1 1 1 1 2 28 1 1 1 1 1 1 1 1 2 2 29 1 1 1 1 1 1 1 2 2 2 30 1 1 1 1 1 1 2 2 2 2 31 1 1 1 1 1 2 2 2 2 2 32 1 1 1 1 2 2 2 2 2 2 33 1 1 1 2 2 2 2 2 2 2 34 1 1 2 2 2 2 2 2 2 3 35 1 2 2 2 2 2 2 2 3 3 36 2 2 2 2 2 2 2 3 3 3 37 2 2 2 2 2 2 3 3 3 3 38 2 2 2 2 2 3 3 3 3 4 39 2 2 2 2 3 3 3 3 4 4 40 2 2 3 3 3 3 3 4 4 4 41 2 3 3 3 3 3 4 4 4 5 42 3 3 3 3 3 4 4 4 5 5 43 3 3 3 4 4 4 4 5 5 6 44 3 3 4 4 4 4 5 5 6 6 45 3 4 4 4 5 5 5 6 6 7 46 4 4 4 5 5 5 6 6 7 7 47 4 4 5 5 5 6 6 7 7 8 48 4 5 5 5 6 6 7 7 8 9 49 5 5 5 6 6 7 8 8 9 10 50 5 5 6 6 7 8 8 9 10 10 51 5 6 6 7 8 8 9 10 11 11 52 6 7 7 8 8 9 10 11 11 12 53 7 7 8 8 9 10 11 12 13 14 54 7 8 8 9 10 11 12 13 14 15 55 8 9 9 10 11 12 13 14 15 16 56 9 9 10 11 12 13 14 15 16 18 57 9 10 11 12 13 14 15 17 18 19 58 10 11 12 13 14 16 17 18 19 21 59 11 12 13 15 16 17 18 20 21 22 60 12 14 15 16 17 19 20 21 23 24 61 14 15 16 17 19 20 22 23 25 26 62 15 16 18 19 20 22 23 25 27 28 63 16 18 19 21 22 24 25 27 29 30 64 18 19 21 23 24 26 28 29 31 33 65 20 21 23 25 26 28 30 31 33 35 66 21 23 25 27 28 30 32 34 35 37 67 23 25 27 29 31 32 34 36 38 40 68 25 27 29 31 33 35 37 38 40 42 69 28 29 31 33 35 37 39 41 43 44 70 30 32 34 36 38 40 42 43 45 47 71 32 34 36 38 40 42 44 46 47 49 72 35 37 39 41 43 45 46 48 50 51 73 37 39 41 43 45 47 49 51 52 54 74 40 42 44 46 48 50 51 53 54 56 75 42 44 46 48 50 52 54 55 57 58 76 45 47 49 51 53 54 56 58 59 60 77 47 50 51 53 55 57 58 60 61 62 78 50 52 54 56 57 59 61 62 63 64 79 53 55 56 58 60 61 63 64 65 66 80 55 57 59 60 62 63 65 66 67 68 81 58 59 61 63 64 66 67 68 69 70 82 60 62 63 65 66 68 69 70 71 72 83 62 64 66 67 68 70 71 72 73 74 84 65 66 68 69 70 71 72 73 74 75 85 67 68 70 71 72 73 74 75 76 77 86 69 70 72 73 74 75 76 77 77 78 87 71 72 73 75 76 76 77 78 79 80 88 73 74 75 76 77 78 79 80 80 81 89 74 76 77 78 79 79 80 81 81 82 90 76 77 78 79 80 81 81 82 83 83 91 78 79 79 80 81 82 83 83 84 84 92 79 80 81 82 82 83 84 84 85 85 93 80 81 82 83 83 84 85 85 86 86 94 81 82 83 84 84 85 85 86 86 87 95 82 83 84 85 85 86 86 87 87 88 96 83 84 85 86 86 87 87 88 88 88 97 84 85 86 86 87 87 88 88 89 89 98 85 86 87 87 88 88 89 89 89 90 99 86 87 87 88 88 89 89 90 90 90 100 87 88 88 89 89 90 90 90 91 91 101 88 89 89 90 90 90 91 91 91 92 102 89 89 90 90 91 91 91 92 92 92 103 90 90 91 91 91 92 92 92 93 93 104 91 91 91 92 92 92 93 93 93 93 105 91 92 92 92 93 93 93 94 94 94 106 92 93 93 93 93 94 94 94 94 95 107 93 93 94 94 94 94 95 95 95 95 108 94 94 94 94 95 95 95 95 95 96 109 94 95 95 95 95 95 96 96 96 96 110 95 95 95 96 96 96 96 96 96 96 111 96 96 96 96 96 96 97 97 97 97 112 96 96 96 97 97 97 97 97 97 97 113 97 97 97 97 97 97 97 98 98 98 114 97 97 97 98 98 98 98 98 98 98 115 98 98 98 98 98 98 98 98 98 98 Table VII - Percent Value of Refund Feature; Duration of Guaranteed Amount
Age Years - 31 32 33 34 35 36 37 38 39 40 5 0 1 1 1 1 1 1 1 1 1 6 0 1 1 1 1 1 1 1 1 1 7 1 1 1 1 1 1 1 1 1 1 8 1 1 1 1 1 1 1 1 1 1 9 1 1 1 1 1 1 1 1 1 1 10 1 1 1 1 1 1 1 1 1 1 11 1 1 1 1 1 1 1 1 1 1 12 1 1 1 1 1 1 1 1 1 1 13 1 1 1 1 1 1 1 1 1 1 14 1 1 1 1 1 1 1 1 1 1 15 1 1 1 1 1 1 1 1 1 1 16 1 1 1 1 1 1 1 1 1 1 17 1 1 1 1 1 1 1 1 1 1 18 1 1 1 1 1 1 1 1 1 2 19 1 1 1 1 1 1 1 1 2 2 20 1 1 1 1 1 1 1 2 2 2 21 1 1 1 1 1 1 2 2 2 2 22 1 1 1 1 1 2 2 2 2 2 23 1 1 1 2 2 2 2 2 2 2 24 1 1 2 2 2 2 2 2 2 2 25 1 2 2 2 2 2 2 2 2 3 26 2 2 2 2 2 2 2 2 3 3 27 2 2 2 2 2 2 2 3 3 3 28 2 2 2 2 2 2 3 3 3 3 29 2 2 2 2 2 3 3 3 3 4 30 2 2 2 3 3 3 3 3 4 4 31 2 2 3 3 3 3 3 4 4 4 32 2 3 3 3 3 3 4 4 4 5 33 3 3 3 3 3 4 4 4 5 5 34 3 3 3 3 4 4 4 5 5 5 35 3 3 3 4 4 4 5 5 5 6 36 3 4 4 4 4 5 5 5 6 6 37 4 4 4 4 5 5 6 6 6 7 38 4 4 5 5 5 6 6 7 7 8 39 4 5 5 5 6 6 7 7 8 8 40 5 5 5 6 6 7 7 8 8 9 41 5 5 6 6 7 7 8 9 9 10 42 6 6 6 7 7 8 9 9 10 11 43 6 7 7 8 8 9 9 10 11 12 44 7 7 8 8 9 10 10 11 12 13 45 7 8 8 9 10 10 11 12 13 14 46 8 9 9 10 11 11 12 13 14 15 47 9 9 10 11 12 12 13 14 15 16 48 9 10 11 12 13 14 15 16 17 18 49 10 11 12 13 14 15 16 17 18 19 50 11 12 13 14 15 16 17 18 20 21 51 12 13 14 15 16 17 19 20 21 22 52 13 14 15 17 18 19 20 21 23 24 53 15 16 17 18 19 20 22 23 24 26 54 16 17 18 19 21 22 23 25 26 28 55 17 18 20 21 22 24 25 27 28 30 56 19 20 21 23 24 26 27 29 30 32 57 20 22 23 25 26 28 29 31 32 34 58 22 24 25 27 28 30 31 33 34 36 59 24 25 27 28 30 32 33 35 36 38 60 26 27 29 31 32 34 35 37 38 40 61 28 29 31 33 34 36 37 39 40 42 62 30 32 33 35 36 38 40 41 42 44 63 32 34 35 37 39 40 42 43 45 46 64 34 36 38 39 41 42 44 45 47 48 65 37 38 40 42 43 45 46 47 49 50 66 39 41 42 44 45 47 48 50 51 52 67 41 43 45 46 48 49 50 52 53 54 68 44 45 47 48 50 51 52 54 55 56 69 46 48 49 51 52 53 54 56 57 58 70 48 50 51 53 54 55 57 58 59 60 71 51 52 54 55 56 57 59 60 61 62 72 53 54 56 57 58 59 60 62 62 63 73 55 57 58 59 60 61 62 63 64 65 74 57 59 60 61 62 63 64 65 66 67 75 59 61 62 63 64 65 66 67 68 69 76 62 63 64 65 66 67 68 69 69 70 77 64 65 66 67 68 69 70 70 71 72 78 66 67 68 69 70 70 71 72 73 73 79 67 68 69 70 71 72 73 73 74 75 80 69 70 71 72 73 74 74 75 76 76 81 71 72 73 74 74 75 76 76 77 78 82 73 74 74 75 76 77 77 78 78 79 83 74 75 76 77 77 78 79 79 80 80 84 76 77 77 78 79 79 80 80 81 81 85 78 78 79 79 80 81 81 82 82 83 86 79 80 80 81 81 82 82 83 83 84 87 80 81 81 82 83 83 83 84 84 85 88 82 82 83 83 84 84 85 85 85 86 89 83 83 84 84 85 85 85 86 86 87 90 84 84 85 85 86 86 86 87 87 87 91 85 85 86 86 87 87 87 88 88 88 92 86 86 87 87 87 88 88 88 89 89 93 87 87 87 88 88 88 89 89 89 90 94 87 88 88 88 89 89 89 90 90 90 95 88 88 89 89 89 90 90 90 91 91 96 89 89 89 90 90 90 91 91 91 91 97 89 90 90 90 91 91 91 91 92 92 98 90 90 91 91 91 91 92 92 92 92 99 91 91 91 92 92 92 92 92 93 93 100 91 92 92 92 92 92 93 93 93 93 101 92 92 92 93 93 93 93 93 94 94 102 92 93 93 93 93 94 94 94 94 94 103 93 93 93 94 94 94 94 94 94 95 104 94 94 94 94 94 95 95 95 95 95 105 94 94 95 95 95 95 95 95 95 95 106 95 95 95 95 95 95 96 96 96 96 107 95 95 96 96 96 96 96 96 96 96 108 96 96 96 96 96 96 96 96 97 97 109 96 96 96 97 97 97 97 97 97 97 110 97 97 97 97 97 97 97 97 97 97 111 97 97 97 97 97 97 98 98 98 98 112 97 97 98 98 98 98 98 98 98 98 113 98 98 98 98 98 98 98 98 98 98 114 98 98 98 98 98 98 98 98 98 99 115 98 98 98 99 99 99 99 99 99 99 Table VIII - Temporary Life Annuities;1 One Life - Expected Return Multiples
[See footnote at end of tables]
Age Years - 1 2 3 4 5 6 7 8 9 10 5 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 6 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 7 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 8 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 9 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 10 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 11 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 12 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 13 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 14 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 15 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 16 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 17 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 18 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 19 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 20 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 21 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 22 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 23 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 24 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 25 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 26 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 27 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 28 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 29 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 30 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 31 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 32 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 33 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 34 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 35 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 36 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0 37 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 38 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 39 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9 40 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 41 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 42 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9 43 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 44 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 45 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9 46 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 47 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 48 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9 49 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.8 50 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 51 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8 52 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 53 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8 54 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8 55 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 56 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 57 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7 58 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.7 9.7 59 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.6 60 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6 61 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6 62 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 63 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5 64 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4 65 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.3 66 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3 67 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2 68 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1 69 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.2 9.0 70 1.0 2.0 2.9 3.9 4.8 5.6 6.5 7.3 8.1 8.9 71 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8 72 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.7 73 1.0 2.0 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6 74 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.0 7.7 8.4 75 1.0 1.9 2.9 3.8 4.6 5.4 6.2 6.9 7.6 8.3 76 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.1 77 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9 78 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.7 79 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5 80 1.0 1.9 2.8 3.6 4.4 5.1 5.7 6.3 6.8 7.3 81 1.0 1.9 2.8 3.6 4.3 5.0 5.6 6.1 6.6 7.0 82 1.0 1.9 2.7 3.5 4.2 4.9 5.4 6.0 6.4 6.8 83 1.0 1.9 2.7 3.5 4.1 4.8 5.3 5.8 6.2 6.5 84 1.0 1.8 2.7 3.4 4.1 4.6 5.2 5.6 6.0 6.3 85 1.0 1.8 2.6 3.3 4.0 4.5 5.0 5.4 5.7 6.0 86 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.5 5.7 87 .9 1.8 2.5 3.2 3.8 4.3 4.7 5.0 5.3 5.5 88 .9 1.8 2.5 3.1 3.7 4.1 4.5 4.8 5.0 5.2 89 .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 4.9 90 .9 1.7 2.4 3.0 3.4 3.8 4.1 4.4 4.5 4.7 91 .9 1.7 2.4 2.9 3.3 3.7 4.0 4.2 4.3 4.4 92 .9 1.7 2.3 2.8 3.2 3.5 3.8 4.0 4.1 4.2 93 .9 1.7 2.3 2.7 3.1 3.4 3.6 3.8 3.9 4.0 94 .9 1.6 2.2 2.7 3.0 3.3 3.5 3.6 3.7 3.8 95 .9 1.6 2.2 2.6 2.9 3.1 3.3 3.4 3.5 3.6 96 .9 1.6 2.1 2.5 2.8 3.0 3.2 3.3 3.3 3.4 97 .9 1.6 2.1 2.4 2.7 2.9 3.0 3.1 3.2 3.2 98 .9 1.5 2.0 2.4 2.6 2.8 2.9 3.0 3.0 3.0 99 .9 1.5 2.0 2.3 2.5 2.6 2.7 2.8 2.8 2.8 100 .9 1.5 1.9 2.2 2.4 2.5 2.6 2.6 2.6 2.7 101 .8 1.4 1.8 2.1 2.3 2.4 2.4 2.5 2.5 2.5 102 .8 1.4 1.8 2.0 2.1 2.2 2.3 2.3 2.3 2.3 103 .8 1.4 1.7 1.9 2.0 2.1 2.1 2.1 2.1 2.1 104 .8 1.3 1.6 1.8 1.9 1.9 1.9 1.9 1.9 1.9 105 .8 1.3 1.5 1.7 1.7 1.8 1.8 1.8 1.8 1.8 106 .8 1.2 1.4 1.5 1.6 1.6 1.6 1.6 1.6 1.6 107 .7 1.1 1.3 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 .7 1.1 1.2 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 .7 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 .7 .9 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .6 .8 .9 .9 .9 .9 .9 .9 .9 .9 112 .6 .7 .8 .8 .8 .8 .8 .8 .8 .8 113 .6 .6 .7 .7 .7 .7 .7 .7 .7 .7 114 .5 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIII - Temporary Life Annuities;1 One Life - Expected Return Multiples
[See footnote at end of tables]
Age Years - 11 12 13 14 15 16 17 18 19 20 5 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 6 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 7 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9 8 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 9 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 10 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9 11 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 12 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 13 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9 14 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 15 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 16 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9 17 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 18 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 19 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9 20 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 21 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 22 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9 23 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 24 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 25 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9 26 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9 27 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9 28 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8 29 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8 30 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8 31 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8 32 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8 33 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8 34 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.8 35 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.7 36 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7 37 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7 38 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7 39 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.6 40 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6 41 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6 42 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 43 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5 44 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4 45 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.5 18.5 19.4 46 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.3 47 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3 48 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2 49 10.8 11.8 12.7 13.7 14.6 15.5 16.4 17.4 18.3 19.2 50 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1 51 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0 52 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.0 18.9 53 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.8 54 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.0 17.9 18.7 55 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6 56 10.7 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.6 18.4 57 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.5 18.3 58 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.6 17.4 18.1 59 10.6 11.4 12.3 13.2 14.0 14.9 15.7 16.4 17.2 17.9 60 10.5 11.4 12.3 13.1 13.9 14.7 15.5 16.3 17.0 17.7 61 10.5 11.3 12.2 13.0 13.8 14.6 15.4 16.1 16.8 17.5 62 10.4 11.3 12.1 12.9 13.7 14.5 15.2 15.9 16.6 17.2 63 10.3 11.2 12.0 12.8 13.6 14.3 15.0 15.7 16.3 17.0 64 10.3 11.1 11.9 12.7 13.4 14.1 14.8 15.5 16.1 16.7 65 10.2 11.0 11.8 12.5 13.2 13.9 14.6 15.2 15.8 16.3 66 10.1 10.9 11.6 12.4 13.1 13.7 14.4 14.9 15.5 16.0 67 10.0 10.8 11.5 12.2 12.9 13.5 14.1 14.7 15.2 15.6 68 9.9 10.6 11.4 12.0 12.7 13.3 13.8 14.3 14.8 15.3 69 9.8 10.5 11.2 11.8 12.4 13.0 13.5 14.0 14.4 14.8 70 9.6 10.3 11.0 11.6 12.2 12.7 13.2 13.7 14.0 14.4 71 9.5 10.2 10.8 11.4 11.9 12.4 12.9 13.3 13.6 13.9 72 9.4 10.0 10.6 11.2 11.7 12.1 12.5 12.9 13.2 13.5 73 9.2 9.8 10.4 10.9 11.4 11.8 12.1 12.5 12.7 13.0 74 9.0 9.6 10.1 10.6 11.0 11.4 11.7 12.0 12.3 12.5 75 8.8 9.4 9.9 10.3 10.7 11.0 11.3 11.6 11.8 12.0 76 8.6 9.1 9.6 10.0 10.3 10.6 10.9 11.1 11.3 11.4 77 8.4 8.9 9.3 9.7 10.0 10.2 10.5 10.6 10.8 10.9 78 8.2 8.6 9.0 9.3 9.6 9.8 10.0 10.2 10.3 10.4 79 7.9 8.3 8.7 9.0 9.2 9.4 9.5 9.7 9.8 9.8 80 7.7 8.0 8.3 8.6 8.8 9.0 9.1 9.2 9.3 9.3 81 7.4 7.7 8.0 8.2 8.4 8.5 8.6 8.7 8.8 8.8 82 7.1 7.4 7.6 7.8 8.0 8.1 8.2 8.2 8.3 8.3 83 6.8 7.1 7.3 7.4 7.5 7.6 7.7 7.8 7.8 7.8 84 6.5 6.7 6.9 7.0 7.1 7.2 7.3 7.3 7.3 7.4 85 6.2 6.4 6.6 6.7 6.7 6.8 6.8 6.9 6.9 6.9 86 5.9 6.1 6.2 6.3 6.4 6.4 6.4 6.5 6.5 6.5 87 5.6 5.8 5.9 5.9 6.0 6.0 6.0 6.1 6.1 6.1 88 5.3 5.4 5.5 5.6 5.6 5.6 5.7 5.7 5.7 5.7 89 5.1 5.1 5.2 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 4.8 4.9 4.9 4.9 5.0 5.0 5.0 5.0 5.0 5.0 91 4.5 4.6 4.6 4.6 4.7 4.7 4.7 4.7 4.7 4.7 92 4.3 4.3 4.3 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.0 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.8 3.8 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.6 3.6 3.6 3.6 3.7 3.7 3.7 3.7 3.7 3.7 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIII - Temporary Life Annuities;1 One Life - Expected Return Multiples
[See footnote at end of tables]
Age Years - 21 22 23 24 25 26 27 28 29 30 5 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 6 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 7 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9 8 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8 9 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8 10 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8 11 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8 12 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8 13 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8 14 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8 15 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8 16 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8 17 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8 18 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7 19 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7 20 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7 21 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7 22 20.9 21.9 22.8 23.8 24.8 25.8 26.8 27.7 28.7 29.7 23 20.9 21.9 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.7 24 20.9 21.8 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.6 25 20.9 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6 26 20.8 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6 27 20.8 21.8 22.8 23.8 24.7 25.7 26.7 27.6 28.6 29.5 28 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.6 29.5 29 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.5 29.5 30 20.8 21.8 22.7 23.7 24.7 25.6 26.6 27.5 28.5 29.4 31 20.8 21.8 22.7 23.7 24.6 25.6 26.6 27.5 28.4 29.4 32 20.8 21.7 22.7 23.7 24.6 25.6 26.5 27.5 28.4 29.3 33 20.8 21.7 22.7 23.6 24.6 25.5 26.5 27.4 28.4 29.3 34 20.7 21.7 22.7 23.6 24.6 25.5 26.4 27.4 28.3 29.2 35 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.3 28.2 29.2 36 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1 37 20.7 21.6 22.6 23.5 24.4 25.4 26.3 27.2 28.1 29.0 38 20.6 21.6 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9 39 20.6 21.5 22.5 23.4 24.3 25.2 26.1 27.0 27.9 28.8 40 20.6 21.5 22.4 23.3 24.3 25.2 26.1 27.0 27.8 28.7 41 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.7 28.6 42 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.6 28.5 43 20.4 21.3 22.2 23.2 24.0 24.9 25.8 26.6 27.5 28.3 44 20.4 21.3 22.2 23.1 24.0 24.8 25.7 26.5 27.3 28.2 45 20.3 21.2 22.1 23.0 23.9 24.7 25.6 26.4 27.2 28.0 46 20.2 21.1 22.0 22.9 23.8 24.6 25.4 26.2 27.0 27.8 47 20.2 21.1 21.9 22.8 23.6 24.5 25.3 26.1 26.8 27.6 48 20.1 21.0 21.8 22.7 23.5 24.3 25.1 25.9 26.6 27.4 49 20.0 20.9 21.7 22.6 23.4 24.2 25.0 25.7 26.4 27.1 50 19.9 20.8 21.6 22.4 23.2 24.0 24.8 25.5 26.2 26.9 51 19.8 20.7 21.5 22.3 23.1 23.8 24.6 25.3 25.9 26.6 52 19.7 20.6 21.4 22.1 22.9 23.6 24.3 25.0 25.7 26.3 53 19.6 20.4 21.2 22.0 22.7 23.4 24.1 24.7 25.3 25.9 54 19.5 20.3 21.0 21.8 22.5 23.2 23.8 24.4 25.0 25.6 55 19.3 20.1 20.8 21.6 22.2 22.9 23.5 24.1 24.6 25.2 56 19.2 19.9 20.6 21.3 22.0 22.6 23.2 23.7 24.3 24.7 57 19.0 19.7 20.4 21.1 21.7 22.3 22.8 23.4 23.8 24.3 58 18.8 19.5 20.2 20.8 21.4 21.9 22.5 22.9 23.4 23.8 59 18.6 19.3 19.9 20.5 21.1 21.6 22.0 22.5 22.9 23.2 60 18.4 19.0 19.6 20.2 20.7 21.2 21.6 22.0 22.4 22.7 61 18.1 18.7 19.3 19.8 20.3 20.7 21.1 21.5 21.8 22.1 62 17.8 18.4 18.9 19.4 19.9 20.3 20.6 21.0 21.2 21.5 63 17.5 18.1 18.5 19.0 19.4 19.8 20.1 20.4 20.6 20.8 64 17.2 17.7 18.1 18.6 18.9 19.3 19.5 19.8 20.0 20.2 65 16.8 17.3 17.7 18.1 18.4 18.7 18.9 19.2 19.3 19.5 66 16.5 16.9 17.3 17.6 17.9 18.1 18.3 18.5 18.7 18.8 67 16.1 16.4 16.8 17.1 17.3 17.5 17.7 17.9 18.0 18.1 68 15.6 16.0 16.3 16.5 16.7 16.9 17.1 17.2 17.3 17.4 69 15.2 15.5 15.7 16.0 16.1 16.3 16.4 16.5 16.6 16.7 70 14.7 15.0 15.2 15.4 15.5 15.7 15.8 15.8 15.9 15.9 71 14.2 14.4 14.6 14.8 14.9 15.0 15.1 15.2 15.2 15.2 72 13.7 13.9 14.1 14.2 14.3 14.4 14.4 14.5 14.5 14.5 73 13.2 13.3 13.5 13.6 13.7 13.7 13.8 13.8 13.8 13.9 74 12.6 12.8 12.9 13.0 13.0 13.1 13.1 13.1 13.2 13.2 75 12.1 12.2 12.3 12.4 12.4 12.5 12.5 12.5 12.5 12.5 76 11.5 11.6 11.7 11.8 11.8 11.8 11.8 11.9 11.9 11.9 77 11.0 11.1 11.1 11.2 11.2 11.2 11.2 11.2 11.2 11.2 78 10.4 10.5 10.5 10.6 10.6 10.6 10.6 10.6 10.6 10.6 79 9.9 9.9 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 80 9.4 9.4 9.4 9.4 9.5 9.5 9.5 9.5 9.5 9.5 81 8.8 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82 8.3 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 83 7.8 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 Table VIII - Temporary Life Annuities;1 One Life - Expected Return Multiples
[See footnote at end of tables]
Age Years - 31 32 33 34 35 36 37 38 39 40 5 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7 6 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7 7 30.8 31.8 32.8 33.8 34.8 35.8 36.7 37.7 38.7 39.7 8 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.7 9 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.6 10 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6 11 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6 12 30.8 31.8 32.8 33.7 34.7 35.7 36.7 37.6 38.6 39.6 13 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5 14 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5 15 30.8 31.7 32.7 33.7 34.7 35.6 36.6 37.6 38.5 39.5 16 30.8 31.7 32.7 33.7 34.6 35.6 36.6 37.5 38.5 39.4 17 30.7 31.7 32.7 33.7 34.6 35.6 36.5 37.5 38.5 39.4 18 30.7 31.7 32.7 33.6 34.6 35.6 36.5 37.5 38.4 39.4 19 30.7 31.7 32.6 33.6 34.6 35.5 36.5 37.4 38.4 39.3 20 30.7 31.7 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.3 21 30.7 31.6 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.2 22 30.6 31.6 32.6 33.5 34.5 35.4 36.4 37.3 38.2 39.2 23 30.6 31.6 32.5 33.5 34.4 35.4 36.3 37.3 38.2 39.1 24 30.6 31.5 32.5 33.5 34.4 35.3 36.3 37.2 38.1 39.0 25 30.6 31.5 32.5 33.4 34.3 35.3 36.2 37.1 38.1 39.0 26 30.5 31.5 32.4 33.4 34.3 35.2 36.2 37.1 38.0 38.9 27 30.5 31.4 32.4 33.3 34.2 35.2 36.1 37.0 37.9 38.8 28 30.5 31.4 32.3 33.3 34.2 35.1 36.0 36.9 37.8 38.7 29 30.4 31.4 32.3 33.2 34.1 35.0 35.9 36.8 37.7 38.6 30 30.4 31.3 32.2 33.1 34.1 35.0 35.8 36.7 37.6 38.5 31 30.3 31.2 32.2 33.1 34.0 34.9 35.8 36.6 37.5 38.3 32 30.3 31.2 32.1 33.0 33.9 34.8 35.6 36.5 37.4 38.2 33 30.2 31.1 32.0 32.9 33.8 34.7 35.5 36.4 37.2 38.0 34 30.1 31.0 31.9 32.8 33.7 34.6 35.4 36.2 37.1 37.9 35 30.1 31.0 31.8 32.7 33.6 34.4 35.3 36.1 36.9 37.7 36 30.0 30.9 31.7 32.6 33.5 34.3 35.1 35.9 36.7 37.4 37 29.9 30.8 31.6 32.5 33.3 34.1 34.9 35.7 36.5 37.2 38 29.8 30.7 31.5 32.3 33.2 34.0 34.7 35.5 36.2 37.0 39 29.7 30.5 31.4 32.2 33.0 33.8 34.5 35.3 36.0 36.7 40 29.6 30.4 31.2 32.0 32.8 33.6 34.3 35.0 35.7 36.4 41 29.4 30.2 31.0 31.8 32.6 33.3 34.1 34.7 35.4 36.0 42 29.3 30.1 30.9 31.6 32.4 33.1 33.8 34.4 35.1 35.7 43 29.1 29.9 30.7 31.4 32.1 32.8 33.5 34.1 34.7 35.3 44 28.9 29.7 30.5 31.2 31.9 32.5 33.2 33.8 34.3 34.9 45 28.8 29.5 30.2 30.9 31.6 32.2 32.8 33.4 33.9 34.4 46 28.5 29.3 30.0 30.6 31.3 31.9 32.4 33.0 33.5 33.9 47 28.3 29.0 29.7 30.3 30.9 31.5 32.0 32.5 33.0 33.4 48 28.1 28.7 29.4 30.0 30.6 31.1 31.6 32.1 32.5 32.9 49 27.8 28.4 29.0 29.6 30.2 30.7 31.1 31.5 31.9 32.3 50 27.5 28.1 28.7 29.2 29.7 30.2 30.6 31.0 31.4 31.7 51 27.2 27.8 28.3 28.8 29.3 29.7 30.1 30.4 30.7 31.0 52 26.8 27.4 27.9 28.4 28.8 29.2 29.5 29.8 30.1 30.3 53 26.5 27.0 27.4 27.9 28.3 28.6 28.9 29.2 29.4 29.6 54 26.1 26.5 27.0 27.4 27.7 28.0 28.3 28.5 28.7 28.9 55 25.6 26.1 26.5 26.8 27.1 27.4 27.6 27.8 28.0 28.1 56 25.2 25.6 25.9 26.2 26.5 26.7 26.9 27.1 27.2 27.3 57 24.7 25.0 25.3 25.6 25.8 26.0 26.2 26.3 26.5 26.5 58 24.1 24.4 24.7 25.0 25.2 25.3 25.5 25.6 25.7 25.7 59 23.6 23.8 24.1 24.3 24.4 24.6 24.7 24.8 24.9 24.9 60 23.0 23.2 23.4 23.6 23.7 23.8 23.9 24.0 24.0 24.1 61 22.3 22.5 22.7 22.9 23.0 23.1 23.1 23.2 23.2 23.3 62 21.7 21.9 22.0 22.1 22.2 22.3 22.3 22.4 22.4 22.4 63 21.0 21.1 21.3 21.4 21.4 21.5 21.5 21.6 21.6 21.6 64 20.3 20.4 20.5 20.6 20.6 20.7 20.7 20.7 20.8 20.8 65 19.6 19.7 19.8 19.8 19.9 19.9 19.9 19.9 19.9 20.0 66 18.9 19.0 19.0 19.1 19.1 19.1 19.1 19.1 19.1 19.1 67 18.2 18.2 18.3 18.3 18.3 18.3 18.3 18.3 18.4 18.4 68 17.4 17.5 17.5 17.5 17.5 17.6 17.6 17.6 17.6 17.6 69 16.7 16.7 16.8 16.8 16.8 16.8 16.8 16.8 16.8 16.8 70 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 71 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 72 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 73 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 74 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 76 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 80 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 95 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9 112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8 113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7 114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6 115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 If (a) the terms of the contract involve a life or lives, and are such that the above tables cannot be correctly applied, and (b) the amounts received under the contract are at least partly “amounts received as an annuity” under a contract to which section 72 applies, the taxpayer may submit with his return an actuarial computation based upon the applicable annuity table (described below) with ages set back one year, showing the appropriate factors applied in his case, subject to the approval of the Commissioner upon examination of such return. The applicable annuity table is the 1937 Standard Annuity Table (if the investment in the contract does not include a post-June 1986 investment in the contract) or the gender-neutral version of the 1983 Basic Table (if the investment in the contract includes a post-June 1986 investment in the contract). In the case of a contract to which § 1.72-6(d) (relating to contracts in which amounts were invested both before July 1, 1986, and after June 30, 1986) applies, the actuarial computation shall be based on both tables in accordance with the principles of § 1.72-6(d). Computations involving factors to compensate for the effects of contingencies other than mortality, such as marriage or remarriage, re-employment, recovery from disability, or the like, will not be approved.
[T.D. 6500, 25 FR 11402, Nov. 26, 1960; 25 FR 14021, Dec. 21, 1960, as amended by T.D. 8115, 51 FR 45706, Dec. 19, 1986; 60 FR 16381, Mar. 30, 1995]