1. LawStack
  2. Title 26 - Internal Revenue
  3. Subchapter A - INCOME TAX
  4. Part 1 - INCOME TAXES
  5. Supertopic - COMPUTATION OF TAXABLE INCOME
  6. Topic - Items Specifically Included in Gross Income
  7. 26 CFR § 1.72-9
26 CFR § 1.72-9
Tables
June 25, 2020
CFR

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

Open Table
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

Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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

Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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

Open Table
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
Open Table
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
Open Table
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
Open Table
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
Open Table
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]

Open 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
Open Table
Ages Temporary period—maximum duration of annuity—[Years]
Male Female 11 12 13 14 15 16 17 18 19 20
0 to 8 0 to 13 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
9 14 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
10 15 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
   
11 16 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
12 17 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
13 18 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
14 19 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7
15 20 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7
   
16 21 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
17 22 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
18 23 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7
19 24 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7
20 25 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7
   
21 26 10.9 11.9 12.9 13.8 14.8 15.8 16.8 17.7 18.7 19.6
22 27 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6
23 28 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6
24 29 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6
25 30 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.7 18.6 19.6
   
26 31 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5
27 32 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5
28 33 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.5
29 34 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4
30 35 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.4
   
31 36 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3
32 37 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.4 19.3
33 38 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2
34 39 10.8 11.8 12.7 13.6 14.6 15.5 16.4 17.4 18.3 19.2
35 40 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1
   
36 41 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0
37 42 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.1 18.9
38 43 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.9
39 44 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.1 17.9 18.8
40 45 10.7 11.6 12.5 13.5 14.4 15.2 16.1 17.0 17.8 18.7
   
41 46 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6
42 47 10.6 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.7 18.5
43 48 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.6 18.4
44 49 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.7 17.5 18.3
45 50 10.5 11.4 12.3 13.2 14.1 14.9 15.7 16.6 17.4 18.1
   
46 51 10.5 11.4 12.3 13.2 14.0 14.8 15.7 16.5 17.2 18.0
47 52 10.5 11.4 12.2 13.1 13.9 14.7 15.6 16.3 17.1 17.8
48 53 10.4 11.3 12.2 13.0 13.8 14.7 15.4 16.2 17.0 17.7
49 54 10.4 11.3 12.1 12.9 13.8 14.6 15.3 16.1 16.8 17.5
50 55 10.3 11.2 12.0 12.9 13.7 14.5 15.2 16.0 16.7 17.4
   
51 56 10.3 11.1 12.0 12.8 13.6 14.3 15.1 15.8 16.5 17.2
52 57 10.2 11.1 11.9 12.7 13.5 14.2 14.9 15.6 16.3 17.0
53 58 10.2 11.0 11.8 12.6 13.4 14.1 14.8 15.5 16.1 16.8
54 59 10.1 10.9 11.7 12.5 13.2 14.0 14.6 15.3 15.9 16.5
55 60 10.1 10.9 11.6 12.4 13.1 13.8 14.5 15.1 15.7 16.3
   
56 61 10.0 10.8 11.5 12.3 13.0 13.7 14.3 14.9 15.5 16.1
57 62 9.9 10.7 11.4 12.2 12.8 13.5 14.1 14.7 15.3 15.8
58 63 9.8 10.6 11.3 12.0 12.7 13.3 13.9 14.5 15.0 15.5
59 64 9.8 10.5 11.2 11.9 12.5 13.2 13.7 14.3 14.8 15.3
60 65 9.7 10.4 11.1 11.7 12.4 13.0 13.5 14.0 14.5 15.0
   
61 66 9.6 10.3 11.0 11.6 12.2 12.8 13.3 13.8 14.2 14.7
62 67 9.5 10.2 10.8 11.4 12.0 12.5 13.1 13.5 14.0 14.3
63 68 9.4 10.0 10.7 11.3 11.8 12.3 12.8 13.2 13.7 14.0
64 69 9.3 9.9 10.5 11.1 11.6 12.1 12.5 13.0 13.3 13.7
65 70 9.1 9.8 10.3 10.9 11.4 11.9 12.3 12.7 13.0 13.3
   
66 71 9.0 9.6 10.2 10.7 11.2 11.6 12.0 12.4 12.7 13.0
67 72 8.9 9.5 10.0 10.5 10.9 11.3 11.7 12.0 12.3 12.6
68 73 8.7 9.3 9.8 10.3 10.7 11.1 11.4 11.7 12.0 12.2
69 74 8.6 9.1 9.6 10.0 10.4 10.8 11.1 11.4 11.6 11.8
70 75 8.4 8.9 9.4 9.8 10.2 10.5 10.8 11.0 11.2 11.4
   
71 76 8.3 8.7 9.2 9.6 9.9 10.2 10.4 10.7 10.9 11.0
72 77 8.1 8.6 8.9 9.3 9.6 9.9 10.1 10.3 10.5 10.6
73 78 7.9 8.3 8.7 9.0 9.3 9.6 9.8 9.9 10.1 10.2
74 79 7.7 8.1 8.5 8.8 9.0 9.2 9.4 9.6 9.7 9.8
75 80 7.6 7.9 8.2 8.5 8.7 8.9 9.1 9.2 9.3 9.4
   
76 81 7.4 7.7 8.0 8.2 8.4 8.6 8.7 8.8 8.9 9.0
77 82 7.1 7.5 7.7 7.9 8.1 8.3 8.4 8.5 8.5 8.6
78 83 6.9 7.2 7.4 7.6 7.8 7.9 8.0 8.1 8.2 8.2
79 84 6.7 7.0 7.2 7.3 7.5 7.6 7.7 7.7 7.8 7.8
80 85 6.5 6.7 6.9 7.1 7.2 7.3 7.3 7.4 7.4 7.4
   
81 86 6.3 6.5 6.6 6.8 6.9 6.9 7.0 7.0 7.1
82 87 6.0 6.2 6.4 6.5 6.5 6.6 6.7 6.7
83 88 5.8 6.0 6.1 6.2 6.2 6.3 6.3
84 89 5.6 5.7 5.8 5.9 5.9 6.0
85 90 5.3 5.5 5.5 5.6 5.6
86 91 5.1 5.2 5.3 5.3
Open Table
Ages Temporary period—maximum duration of annuity—[Years]
Male Female 21 22 23 24 25 26 27 28 29 30
0 to 8 0 to 13 20.7 21.7 22.7 23.6 24.6 25.6 26.5 27.5 28.4 29.4
9 14 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4
10 15 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4
   
11 16 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
12 17 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
13 18 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3
14 19 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.3
15 20 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.2
   
16 21 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.3 28.3 29.2
17 22 20.7 21.6 22.6 23.5 24.5 25.4 26.4 27.3 28.2 29.2
18 23 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1
19 24 20.6 21.6 22.5 23.5 24.4 25.4 26.3 27.2 28.1 29.1
20 25 20.6 21.6 22.5 23.5 24.4 25.3 26.3 27.2 28.1 29.0
   
21 26 20.6 21.5 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9
22 27 20.6 21.5 22.5 23.4 24.3 25.3 26.2 27.1 28.0 28.9
23 28 20.6 21.5 22.4 23.4 24.3 25.2 26.1 27.0 27.9 28.8
24 29 20.5 21.5 22.4 23.3 24.2 25.2 26.1 27.0 27.8 28.7
25 30 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.8 28.6
   
26 31 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.7 28.5
27 32 20.4 21.3 22.3 23.2 24.1 25.0 25.8 26.7 27.6 28.4
28 33 20.4 21.3 22.2 23.1 24.0 24.9 25.8 26.6 27.5 28.3
29 34 20.3 21.2 22.1 23.0 23.9 24.8 25.7 26.5 27.4 28.2
30 35 20.3 21.2 22.1 23.0 23.8 24.7 25.6 26.4 27.2 28.1
   
31 36 20.2 21.1 22.0 22.9 23.8 24.6 25.5 26.3 27.1 27.9
32 37 20.2 21.1 21.9 22.8 23.7 24.5 25.4 26.2 27.0 27.8
33 38 20.1 21.0 21.9 22.7 23.6 24.4 25.2 26.0 26.8 27.6
34 39 20.0 20.9 21.8 22.6 23.5 24.3 25.1 25.9 26.7 27.4
35 40 20.0 20.8 21.7 22.5 23.3 24.2 25.0 25.7 26.5 27.2
   
36 41 19.9 20.7 21.6 22.4 23.2 24.0 24.8 25.6 26.3 27.0
37 42 19.8 20.6 21.5 22.3 23.1 23.9 24.6 25.4 26.1 26.8
38 43 19.7 20.5 21.4 22.2 23.0 23.7 24.5 25.2 25.9 26.6
39 44 19.6 20.4 21.2 22.0 22.8 23.6 24.3 25.0 25.7 26.4
40 45 19.5 20.3 21.1 21.9 22.6 23.4 24.1 24.8 25.5 26.1
   
41 46 19.4 20.2 21.0 21.7 22.5 23.2 23.9 24.6 25.2 25.9
42 47 19.3 20.1 20.8 21.6 22.3 23.0 23.7 24.3 25.0 25.6
43 48 19.2 19.9 20.7 21.4 22.1 22.8 23.4 24.1 24.7 25.3
44 49 19.0 19.8 20.5 21.2 21.9 22.6 23.2 23.8 24.4 25.0
45 50 18.9 19.6 20.3 21.0 21.7 22.3 22.9 23.5 24.1 24.6
   
46 51 18.7 19.4 20.1 20.8 21.5 22.1 22.7 23.2 23.8 24.3
47 52 18.6 19.3 19.9 20.6 21.2 21.8 22.4 22.9 23.4 23.9
48 53 18.4 19.1 19.7 20.4 21.0 21.5 22.1 22.6 23.1 23.5
49 54 18.2 18.9 19.5 20.1 20.7 21.2 21.7 22.2 22.7 23.1
50 55 18.0 18.7 19.3 19.8 20.4 20.9 21.4 21.9 22.3 22.7
   
51 56 17.8 18.4 19.0 19.6 20.1 20.6 21.1 21.5 21.9 22.3
52 57 17.6 18.2 18.7 19.3 19.8 20.2 20.7 21.1 21.5 21.8
53 58 17.4 17.9 18.5 19.0 19.4 19.9 20.3 20.7 21.0 21.3
54 59 17.1 17.7 18.2 18.7 19.1 19.5 19.9 20.2 20.6 20.8
55 60 16.9 17.4 17.9 18.3 18.7 19.1 19.5 19.8 20.1 20.3
   
56 61 16.6 17.1 17.5 18.0 18.4 18.7 19.0 19.3 19.6 19.8
57 62 16.3 16.8 17.2 17.6 18.0 18.3 18.6 18.9 19.1 19.3
58 63 16.0 16.5 16.9 17.2 17.6 17.9 18.1 18.4 18.6 18.8
59 64 15.7 16.1 16.5 16.8 17.1 17.4 17.7 17.9 18.1 18.2
60 65 15.4 15.8 16.1 16.4 16.7 17.0 17.2 17.4 17.5 17.7
   
61 66 15.1 15.4 15.7 16.0 16.3 16.5 16.7 16.9 17.0 17.1
62 67 14.7 15.0 15.3 15.6 15.8 16.0 16.2 16.3 16.4 16.5
63 68 14.4 14.6 14.9 15.1 15.3 15.5 15.7 15.8 15.9 16.0
64 69 14.0 14.3 14.5 14.7 14.9 15.0 15.2 15.3 15.3 15.4
65 70 13.6 13.8 14.1 14.2 14.4 14.5 14.6 14.7 14.8 14.9
   
66 71 13.2 13.4 13.6 13.8 13.9 14.0 14.1 14.2 14.2 14.3
67 72 12.8 13.0 13.2 13.3 13.4 13.5 13.6 13.7 13.7 13.7
68 73 12.4 12.6 12.7 12.8 12.9 13.0 13.1 13.1 13.2 13.2
69 74 12.0 12.1 12.3 12.4 12.4 12.5 12.6 12.6 12.6 12.6
70 75 11.6 11.7 11.8 11.9 12.0 12.0 12.0 12.1 12.1 12.1
   
71 76 11.2 11.3 11.3 11.4 11.5 11.5 11.5 11.6 11.6
72 77 10.7 10.8 10.9 10.9 11.0 11.0 11.0 11.0
73 78 10.3 10.4 10.4 10.5 10.5 10.5 10.5
74 79 9.9 9.9 10.0 10.0 10.1 10.1
75 80 9.5 9.5 9.6 9.6 9.6
   
76 81 9.1 9.1 9.1 9.1
77 82 8.6 8.7 8.7
78 83 8.2 8.3
79 84 7.8

Footnote to Table IV:

1The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of §1.72-5.

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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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

Open Table
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]

Open Table
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]

Open Table
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]

Open Table
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]

Open Table
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

1The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of §1.72-5.

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]

Next
§ 1.72-5 Expected return

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