The course life table
Questions on this course use this table when they do not give their own values. It is the course's own basis, not one of the official examination tables.
Makeham: mu_x = 0.00025 + 0.00003 x 1.1^x, with l_20 = 100,000. Assurances pay at the end of the year of death.
| x | l_x | d_x | q_x | ä_x at 4% | A_x at 4% | ä_x at 6% | A_x at 6% |
|---|---|---|---|---|---|---|---|
| 20 | 100,000.00 | 46.16 | 0.000462 | 22.9120 | 0.11877 | 16.7886 | 0.04970 |
| 21 | 99,953.84 | 48.26 | 0.000483 | 22.7990 | 0.12312 | 16.7437 | 0.05225 |
| 22 | 99,905.58 | 50.56 | 0.000506 | 22.6819 | 0.12762 | 16.6963 | 0.05492 |
| 23 | 99,855.01 | 53.09 | 0.000532 | 22.5606 | 0.13229 | 16.6465 | 0.05774 |
| 24 | 99,801.92 | 55.88 | 0.000560 | 22.4349 | 0.13712 | 16.5942 | 0.06071 |
| 25 | 99,746.04 | 58.94 | 0.000591 | 22.3048 | 0.14212 | 16.5391 | 0.06383 |
| 26 | 99,687.11 | 62.30 | 0.000625 | 22.1701 | 0.14730 | 16.4812 | 0.06710 |
| 27 | 99,624.81 | 65.99 | 0.000662 | 22.0307 | 0.15267 | 16.4203 | 0.07055 |
| 28 | 99,558.81 | 70.06 | 0.000704 | 21.8864 | 0.15822 | 16.3563 | 0.07417 |
| 29 | 99,488.76 | 74.52 | 0.000749 | 21.7371 | 0.16396 | 16.2892 | 0.07797 |
| 30 | 99,414.24 | 79.42 | 0.000799 | 21.5828 | 0.16989 | 16.2187 | 0.08196 |
| 31 | 99,334.81 | 84.81 | 0.000854 | 21.4232 | 0.17603 | 16.1447 | 0.08615 |
| 32 | 99,250.00 | 90.73 | 0.000914 | 21.2583 | 0.18237 | 16.0671 | 0.09054 |
| 33 | 99,159.27 | 97.23 | 0.000981 | 21.0879 | 0.18893 | 15.9857 | 0.09515 |
| 34 | 99,062.04 | 104.37 | 0.001054 | 20.9119 | 0.19569 | 15.9005 | 0.09997 |
| 35 | 98,957.67 | 112.21 | 0.001134 | 20.7302 | 0.20268 | 15.8112 | 0.10503 |
| 36 | 98,845.46 | 120.82 | 0.001222 | 20.5428 | 0.20989 | 15.7177 | 0.11032 |
| 37 | 98,724.64 | 130.26 | 0.001319 | 20.3493 | 0.21733 | 15.6198 | 0.11586 |
| 38 | 98,594.38 | 140.63 | 0.001426 | 20.1499 | 0.22500 | 15.5175 | 0.12165 |
| 39 | 98,453.75 | 152.00 | 0.001544 | 19.9443 | 0.23291 | 15.4105 | 0.12771 |
| 40 | 98,301.75 | 164.48 | 0.001673 | 19.7326 | 0.24105 | 15.2987 | 0.13403 |
| 41 | 98,137.28 | 178.16 | 0.001815 | 19.5145 | 0.24944 | 15.1821 | 0.14064 |
| 42 | 97,959.12 | 193.16 | 0.001972 | 19.2901 | 0.25807 | 15.0603 | 0.14753 |
| 43 | 97,765.96 | 209.59 | 0.002144 | 19.0593 | 0.26695 | 14.9334 | 0.15471 |
| 44 | 97,556.37 | 227.60 | 0.002333 | 18.8220 | 0.27608 | 14.8011 | 0.16220 |
| 45 | 97,328.77 | 247.32 | 0.002541 | 18.5783 | 0.28545 | 14.6634 | 0.16999 |
| 46 | 97,081.45 | 268.91 | 0.002770 | 18.3280 | 0.29508 | 14.5201 | 0.17811 |
| 47 | 96,812.54 | 292.52 | 0.003022 | 18.0711 | 0.30496 | 14.3711 | 0.18654 |
| 48 | 96,520.02 | 318.35 | 0.003298 | 17.8078 | 0.31508 | 14.2164 | 0.19530 |
| 49 | 96,201.67 | 346.58 | 0.003603 | 17.5380 | 0.32546 | 14.0557 | 0.20439 |
| 50 | 95,855.09 | 377.40 | 0.003937 | 17.2617 | 0.33609 | 13.8891 | 0.21383 |
| 51 | 95,477.69 | 411.05 | 0.004305 | 16.9790 | 0.34696 | 13.7164 | 0.22360 |
| 52 | 95,066.63 | 447.75 | 0.004710 | 16.6900 | 0.35808 | 13.5377 | 0.23371 |
| 53 | 94,618.89 | 487.74 | 0.005155 | 16.3948 | 0.36943 | 13.3529 | 0.24418 |
| 54 | 94,131.15 | 531.27 | 0.005644 | 16.0936 | 0.38102 | 13.1619 | 0.25499 |
| 55 | 93,599.89 | 578.60 | 0.006182 | 15.7864 | 0.39283 | 12.9648 | 0.26615 |
| 56 | 93,021.28 | 630.02 | 0.006773 | 15.4735 | 0.40487 | 12.7615 | 0.27765 |
| 57 | 92,391.26 | 685.81 | 0.007423 | 15.1551 | 0.41711 | 12.5522 | 0.28950 |
| 58 | 91,705.45 | 746.24 | 0.008137 | 14.8314 | 0.42956 | 12.3369 | 0.30168 |
| 59 | 90,959.22 | 811.59 | 0.008923 | 14.5026 | 0.44221 | 12.1158 | 0.31420 |
| 60 | 90,147.62 | 882.16 | 0.009786 | 14.1692 | 0.45503 | 11.8888 | 0.32705 |
| 61 | 89,265.46 | 958.20 | 0.010734 | 13.8313 | 0.46803 | 11.6562 | 0.34022 |
| 62 | 88,307.26 | 1,039.96 | 0.011777 | 13.4893 | 0.48118 | 11.4181 | 0.35369 |
| 63 | 87,267.30 | 1,127.67 | 0.012922 | 13.1437 | 0.49447 | 11.1748 | 0.36746 |
| 64 | 86,139.63 | 1,221.49 | 0.014180 | 12.7948 | 0.50789 | 10.9265 | 0.38152 |
| 65 | 84,918.15 | 1,321.55 | 0.015563 | 12.4430 | 0.52142 | 10.6734 | 0.39584 |
| 66 | 83,596.60 | 1,427.91 | 0.017081 | 12.0889 | 0.53504 | 10.4159 | 0.41042 |
| 67 | 82,168.69 | 1,540.53 | 0.018748 | 11.7329 | 0.54874 | 10.1543 | 0.42523 |
| 68 | 80,628.16 | 1,659.27 | 0.020579 | 11.3754 | 0.56248 | 9.8890 | 0.44025 |
| 69 | 78,968.89 | 1,783.85 | 0.022589 | 11.0172 | 0.57626 | 9.6203 | 0.45546 |
| 70 | 77,185.04 | 1,913.85 | 0.024796 | 10.6586 | 0.59005 | 9.3487 | 0.47083 |
| 71 | 75,271.18 | 2,048.64 | 0.027217 | 10.3004 | 0.60383 | 9.0746 | 0.48634 |
| 72 | 73,222.54 | 2,187.39 | 0.029873 | 9.9430 | 0.61758 | 8.7986 | 0.50197 |
| 73 | 71,035.16 | 2,329.01 | 0.032787 | 9.5871 | 0.63126 | 8.5210 | 0.51768 |
| 74 | 68,706.14 | 2,472.16 | 0.035982 | 9.2334 | 0.64487 | 8.2425 | 0.53344 |
| 75 | 66,233.99 | 2,615.17 | 0.039484 | 8.8823 | 0.65837 | 7.9636 | 0.54923 |
| 76 | 63,618.82 | 2,756.06 | 0.043321 | 8.5346 | 0.67175 | 7.6849 | 0.56501 |
| 77 | 60,862.76 | 2,892.51 | 0.047525 | 8.1908 | 0.68497 | 7.4068 | 0.58074 |
| 78 | 57,970.24 | 3,021.87 | 0.052128 | 7.8516 | 0.69802 | 7.1301 | 0.59641 |
| 79 | 54,948.37 | 3,141.14 | 0.057165 | 7.5175 | 0.71087 | 6.8553 | 0.61197 |
| 80 | 51,807.23 | 3,247.05 | 0.062676 | 7.1892 | 0.72349 | 6.5829 | 0.62738 |
| 81 | 48,560.18 | 3,336.06 | 0.068700 | 6.8671 | 0.73588 | 6.3136 | 0.64263 |
| 82 | 45,224.12 | 3,404.53 | 0.075281 | 6.5519 | 0.74800 | 6.0479 | 0.65767 |
| 83 | 41,819.59 | 3,448.76 | 0.082468 | 6.2441 | 0.75984 | 5.7864 | 0.67247 |
| 84 | 38,370.83 | 3,465.19 | 0.090308 | 5.9440 | 0.77138 | 5.5296 | 0.68701 |
| 85 | 34,905.64 | 3,450.59 | 0.098855 | 5.6522 | 0.78261 | 5.2780 | 0.70125 |
| 86 | 31,455.05 | 3,402.30 | 0.108164 | 5.3691 | 0.79350 | 5.0321 | 0.71516 |
| 87 | 28,052.75 | 3,318.43 | 0.118293 | 5.0949 | 0.80404 | 4.7924 | 0.72873 |
| 88 | 24,734.32 | 3,198.19 | 0.129302 | 4.8301 | 0.81423 | 4.5593 | 0.74193 |
| 89 | 21,536.13 | 3,042.04 | 0.141253 | 4.5748 | 0.82405 | 4.3331 | 0.75473 |
| 90 | 18,494.09 | 2,851.97 | 0.154210 | 4.3293 | 0.83349 | 4.1142 | 0.76712 |
| 91 | 15,642.13 | 2,631.58 | 0.168236 | 4.0938 | 0.84255 | 3.9029 | 0.77908 |
| 92 | 13,010.55 | 2,386.10 | 0.183397 | 3.8683 | 0.85122 | 3.6995 | 0.79059 |
| 93 | 10,624.45 | 2,122.29 | 0.199755 | 3.6530 | 0.85950 | 3.5041 | 0.80165 |
| 94 | 8,502.16 | 1,848.12 | 0.217371 | 3.4479 | 0.86739 | 3.3169 | 0.81225 |
| 95 | 6,654.03 | 1,572.35 | 0.236301 | 3.2529 | 0.87489 | 3.1381 | 0.82237 |
| 96 | 5,081.68 | 1,303.93 | 0.256595 | 3.0679 | 0.88200 | 2.9676 | 0.83202 |
| 97 | 3,777.75 | 1,051.33 | 0.278297 | 2.8930 | 0.88873 | 2.8056 | 0.84120 |
| 98 | 2,726.41 | 821.84 | 0.301437 | 2.7278 | 0.89508 | 2.6519 | 0.84989 |
| 99 | 1,904.57 | 620.96 | 0.326036 | 2.5724 | 0.90106 | 2.5066 | 0.85812 |
| 100 | 1,283.61 | 451.95 | 0.352095 | 2.4263 | 0.90668 | 2.3695 | 0.86587 |
| 101 | 831.66 | 315.70 | 0.379598 | 2.2895 | 0.91194 | 2.2406 | 0.87317 |
| 102 | 515.96 | 210.77 | 0.408504 | 2.1616 | 0.91686 | 2.1197 | 0.88002 |
| 103 | 305.19 | 133.90 | 0.438748 | 2.0424 | 0.92144 | 2.0066 | 0.88642 |
| 104 | 171.29 | 80.55 | 0.470234 | 1.9317 | 0.92571 | 1.9011 | 0.89239 |
| 105 | 90.74 | 45.63 | 0.502832 | 1.8290 | 0.92966 | 1.8030 | 0.89794 |
| 106 | 45.11 | 24.20 | 0.536377 | 1.7341 | 0.93331 | 1.7121 | 0.90309 |
| 107 | 20.92 | 11.94 | 0.570669 | 1.6466 | 0.93667 | 1.6281 | 0.90784 |
| 108 | 8.98 | 5.44 | 0.605468 | 1.5664 | 0.93975 | 1.5509 | 0.91222 |
| 109 | 3.54 | 2.27 | 0.640498 | 1.4930 | 0.94258 | 1.4800 | 0.91622 |
| 110 | 1.27 | 0.86 | 0.675450 | 1.4262 | 0.94515 | 1.4154 | 0.91988 |