CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
Index of Tables
TABLE 1.1 TOTAL EXPERIENCE--SINGLE LIFE
TABLE 1.2 MALE EXPERIENCE--SINGLE LIFE
TABLE 1.3 FEMALE EXPERIENCE--SINGLE LIFE
TABLE 2.1 TOTAL EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.2 TOTAL EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.3 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 2.4 MALE EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.5 MALE EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.6 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 2.7 FEMALE EXPERIENCE--SINGLE LIFE--RRSP
TABLE 2.8 FEMALE EXPERIENCE--SINGLE LIFE--RPP
TABLE 2.9 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
TABLE 3.1 TOTAL EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.2 TOTAL EXPERIENCE--SINGLE LIFE--REFUND
TABLE 3.3 MALE EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.4 MALE EXPERIENCE--SINGLE LIFE--REFUND
TABLE 3.5 FEMALE EXPERIENCE--SINGLE LIFE--NO REFUND
TABLE 3.6 FEMALE EXPERIENCE--SINGLE LIFE--REFUND
TABLE 4.1 TOTAL EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.2 TOTAL EXPERIENCE--JOINT, ONE SURVIVING
TABLE 4.3 MALE EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.4 MALE EXPERIENCE--JOINT, ONE SURVIVING
TABLE 4.5 FEMALE EXPERIENCE--JOINT, BOTH ALIVE
TABLE 4.6 FEMALE EXPERIENCE--JOINT, ONE SURVIVING
TABLE 5.1 TOTAL EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.2 TOTAL EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.3 TOTAL EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.4 TOTAL EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 5.5 MALE EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.6 MALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.7 MALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.8 MALE EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 5.9 FEMALE EXPERIENCE--SINGLE LIFE--< $1,000
TABLE 5.10 FEMALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
TABLE 5.11 FEMALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
TABLE 5.12 FEMALE EXPERIENCE--SINGLE LIFE--$10,000+
TABLE 6.1 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.2 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.3 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.4 TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.5 TOTAL EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.6 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.7 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.8 TOTAL EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.9 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.10 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.11 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.12 TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 6.13 MALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.14 MALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.15 MALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.16 MALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.17 MALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.18 MALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.19 MALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.20 MALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.21 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.22 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.23 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.24 MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 6.25 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
TABLE 6.26 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
TABLE 6.27 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
TABLE 6.28 FEMALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
TABLE 6.29 FEMALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
TABLE 6.30 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
TABLE 6.31 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
TABLE 6.32 FEMALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
TABLE 6.33 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
TABLE 6.34 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
TABLE 6.35 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
TABLE 6.36 FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
TABLE 7.1 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.2 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.3 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.4 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.5 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.6 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.7 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.8 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.9 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.10 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.11 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.12 TOTAL EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 7.13 MALE EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.14 MALE EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.15 MALE EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.16 MALE EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.17 MALE EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.18 MALE EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.19 MALE EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.20 MALE EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.21 MALE EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.22 MALE EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.23 MALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.24 MALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 7.25 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1
TABLE 7.26 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 2
TABLE 7.27 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 3
TABLE 7.28 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 4
TABLE 7.29 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 5
TABLE 7.30 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 6
TABLE 7.31 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 7
TABLE 7.32 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 8
TABLE 7.33 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 9
TABLE 7.34 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 10
TABLE 7.35 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 1-10 (SELECT)
TABLE 7.36 FEMALE EXPERIENCE--SINGLE LIFE--DURATION 11+ (ULTIMATE)
TABLE 8.1 TOTAL EXPERIENCE BY POLICY YEAR
TABLE 8.2 TOTAL EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.3 TOTAL EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.4 TOTAL EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
TABLE 8.5 MALE EXPERIENCE BY POLICY YEAR
TABLE 8.6 MALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.7 MALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.8 MALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING
TABLE 8.9 FEMALE EXPERIENCE BY POLICY YEAR
TABLE 8.10 FEMALE EXPERIENCE BY POLICY YEAR--SINGLE LIFE
TABLE 8.11 FEMALE EXPERIENCE BY POLICY YEAR--JOINT, BOTH ALIVE
TABLE 8.12 FEMALE EXPERIENCE BY POLICY YEAR--JOINT, ONE SURVIVING



TABLE 1.1     TOTAL EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 48.2 2.5 32.9 380 3,371,701 31,576 325,131,517 788 10,248,496
2 57.5 2.6 43.5 495 4,746,420 31,292 317,707,886 861 10,914,474
3 66.6 2.7 57.5 616 6,303,905 30,825 297,216,276 925 10,962,068
4 73.4 2.8 55.4 713 6,198,550 30,294 284,174,319 971 11,195,410
5 76.4 2.7 64.7 790 7,296,009 30,591 273,894,766 1,034 11,272,603
6 73.4 2.5 62.6 849 7,159,318 32,578 266,593,763 1,157 11,441,212
7 81.4 2.5 56.2 1,059 6,535,622 35,127 262,911,472 1,301 11,626,220
8 79.9 2.3 66.4 1,165 7,965,482 38,141 262,859,354 1,457 11,991,112
9 82.2 2.2 66.0 1,341 8,261,978 41,042 265,759,499 1,631 12,524,746
10 84.8 2.2 72.4 1,525 8,931,435 43,604 257,519,696 1,799 12,327,836
Total 74.9 0.8 58.3 8,933 66,770,420 345,071 2,813,768,550 11,923 114,504,175
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 76 1,278,763 0 460
5-9 2287.9 1320.9 2865.9 3 208,254 386 19,873,686 0 7,267
10-14 451.2 451.2 657.7 1 44,864 516 17,140,653 0 6,821
15-19 561.9 397.3 586.8 2 55,685 722 20,347,668 0 9,489
20-24 0.0 0.0 0.0 0 0 1,372 39,832,444 1 25,931
25-29 424.6 189.9 1380.4 5 429,282 1,521 39,251,198 1 31,097
30-34 73.3 73.3 23.6 1 9,201 1,311 38,952,415 1 38,955
35-39 315.0 105.0 180.6 9 93,714 1,770 31,594,310 3 51,887
40-44 285.8 67.4 253.1 18 206,089 2,462 31,854,232 6 81,417
45-49 182.9 32.9 243.1 31 364,927 4,247 39,299,667 17 150,097
50-54 179.0 19.1 186.2 88 697,348 8,415 66,931,431 49 374,458
55-59 125.2 7.4 125.0 288 1,737,925 26,432 161,406,859 230 1,389,889
60-64 87.2 3.5 68.4 606 2,760,153 48,891 294,864,235 695 4,037,379
65-69 79.9 1.8 70.1 1,983 8,541,077 107,336 532,885,847 2,483 12,183,958
70-74 72.6 1.8 49.0 1,627 8,523,868 61,912 486,139,065 2,242 17,401,529
75-79 65.1 1.7 47.2 1,478 13,870,715 39,372 513,417,175 2,272 29,367,414
80-84 68.4 1.7 50.5 1,686 15,553,931 28,052 352,048,622 2,464 30,772,551
85-89 75.8 2.6 66.9 878 8,490,607 8,752 96,817,554 1,159 12,687,395
90-94 73.9 5.2 79.8 199 4,040,436 1,405 26,332,558 269 5,064,610
95-99 98.6 18.3 137.2 29 1,117,052 119 3,474,874 29 814,457
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 74.9 0.8 58.3 8,933 66,770,420 345,071 2,813,768,550 11,923 114,504,175
Ultimate Experience By Attained Age
5-59 141.2 11.1 213.7 163 2,302,803 28,825 366,474,361 115 1,077,369
60-64 118.5 8.7 117.5 184 1,138,509 17,486 111,770,262 155 968,895
65-69 91.3 4.1 109.6 486 3,027,143 36,980 190,463,076 532 2,761,091
70-74 85.2 2.1 77.2 1,716 7,126,970 85,458 384,625,724 2,013 9,236,362
75-79 83.9 1.0 78.4 6,677 25,644,275 202,627 820,609,725 7,962 32,723,130
80-84 87.0 0.6 80.4 18,379 64,262,136 331,339 1,234,135,197 21,135 79,895,251
85-89 91.5 0.5 87.2 31,473 104,994,063 336,279 1,166,476,415 34,409 120,385,906
90+ 100.6 0.5 96.7 40,649 127,201,064 236,774 774,875,349 40,396 131,571,919
Total 93.4 0.3 88.7 99,727 335,696,963 1,275,766 5,049,430,109 106,719 378,619,923
GRAND TOTAL 91.6 0.3 81.6 108,660 402,467,383 1,620,837 7,863,198,659 118,642 493,124,098

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 1.2     MALE EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 53.9 3.8 29.9 198 1,515,674 13,409 146,477,264 368 5,063,364
2 60.1 3.9 40.0 234 2,130,529 13,142 141,303,372 389 5,324,086
3 72.5 4.2 66.6 299 3,497,919 12,878 131,744,258 412 5,248,998
4 74.0 4.1 46.1 319 2,403,452 12,732 126,055,945 431 5,218,453
5 80.1 4.2 67.6 366 3,518,900 12,866 122,213,139 457 5,209,216
6 73.1 3.8 57.9 374 2,935,789 13,741 117,559,775 512 5,071,784
7 82.6 3.8 57.5 480 2,940,818 14,957 115,628,972 581 5,112,233
8 77.6 3.4 56.0 512 2,934,628 16,383 114,912,783 660 5,241,157
9 83.1 3.3 74.1 628 4,213,672 17,927 119,113,148 755 5,687,354
10 84.4 3.2 69.9 714 3,925,238 19,360 116,642,369 846 5,614,500
Total 76.2 1.2 56.9 4,124 30,016,619 147,396 1,251,651,023 5,411 52,791,144
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 58 990,557 0 414
5-9 0.0 0.0 0.0 0 0 216 13,029,978 0 6,036
10-14 568.3 568.3 919.4 1 44,864 336 9,298,019 0 4,880
15-19 829.7 586.7 1026.4 2 55,685 380 8,484,508 0 5,425
20-24 0.0 0.0 0.0 0 0 803 24,833,287 1 19,442
25-29 584.9 261.6 1809.4 5 429,282 920 25,453,826 1 23,725
30-34 101.5 101.5 32.6 1 9,201 781 23,279,429 1 28,234
35-39 200.3 100.1 72.1 4 29,025 952 20,102,169 2 40,235
40-44 282.3 81.5 248.9 12 144,206 1,227 17,672,622 4 57,936
45-49 122.2 33.9 185.7 13 177,421 1,890 17,823,286 11 95,545
50-54 175.9 24.4 182.5 52 416,098 3,665 29,811,802 30 228,046
55-59 126.5 9.6 121.4 172 1,052,503 11,627 77,182,110 136 866,667
60-64 83.1 4.4 65.5 355 1,671,211 22,981 144,582,348 427 2,550,759
65-69 77.8 2.2 68.2 1,256 5,565,735 56,306 288,336,935 1,614 8,157,185
70-74 72.6 2.6 46.8 802 4,577,091 23,796 215,286,514 1,105 9,776,165
75-79 63.8 2.8 37.9 528 5,350,812 11,266 201,177,456 828 14,110,905
80-84 68.9 3.1 52.1 509 4,977,892 6,999 91,822,326 739 9,561,956
85-89 79.0 4.5 64.7 302 2,734,430 2,565 27,708,239 382 4,224,540
90-94 80.4 8.2 79.9 96 1,987,419 584 12,414,627 119 2,488,188
95-99 129.7 34.7 145.7 14 793,744 44 2,360,986 11 544,862
100+ 0 0 0 0 0 0
Total 76.2 1.2 56.9 4,124 30,016,619 147,396 1,251,651,023 5,411 52,791,144
Ultimate Experience By Attained Age
5-59 118.5 11.9 176.3 100 1,295,673 16,412 196,557,939 84 734,859
60-64 103.3 9.9 110.3 109 697,923 9,489 57,073,774 106 632,838
65-69 86.8 5.0 91.6 303 1,716,041 19,218 103,611,512 349 1,872,542
70-74 78.0 2.4 67.4 1,021 4,245,814 43,346 208,881,047 1,309 6,302,476
75-79 80.6 1.3 74.9 4,007 16,101,089 102,175 442,611,348 4,969 21,500,587
80-84 88.2 0.9 79.4 10,034 37,099,938 146,446 603,278,306 11,376 46,735,242
85-89 94.5 0.8 89.1 15,204 54,677,061 135,260 517,226,239 16,093 61,392,711
90+ 108.4 0.8 99.9 17,465 55,686,435 88,261 308,466,151 16,117 55,727,533
Total 95.7 0.4 88.0 48,243 171,519,974 560,608 2,437,706,315 50,403 194,898,789
GRAND TOTAL 93.8 0.4 81.4 52,367 201,536,593 708,003 3,689,357,338 55,815 247,689,932

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 1.3     FEMALE EXPERIENCE--SINGLE LIFE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 43.3 3.2 35.8 182 1,856,027 18,167 178,654,254 420 5,185,133
2 55.4 3.4 46.8 261 2,615,891 18,149 176,404,514 471 5,590,388
3 61.9 3.5 49.1 317 2,805,986 17,947 165,472,019 512 5,713,070
4 73.0 3.7 63.5 394 3,795,098 17,562 158,118,374 540 5,976,957
5 73.5 3.6 62.3 424 3,777,109 17,725 151,681,627 577 6,063,387
6 73.6 3.4 66.3 475 4,223,529 18,837 149,033,988 645 6,369,427
7 80.4 3.3 55.2 579 3,594,804 20,170 147,282,500 720 6,513,988
8 81.9 3.2 74.5 653 5,030,854 21,758 147,946,571 797 6,749,955
9 81.4 3.0 59.2 713 4,048,306 23,115 146,646,352 876 6,837,392
10 85.1 3.0 74.6 811 5,006,197 24,244 140,877,328 953 6,713,335
Total 73.8 1.1 59.6 4,809 36,753,801 197,675 1,562,117,526 6,512 61,713,032
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 18 288,206 0 47
5-9 9653.6 5573.5 16927.0 3 208,254 170 6,843,708 0 1,230
10-14 0.0 0.0 0.0 0 0 181 7,842,633 0 1,941
15-19 0.0 0.0 0.0 0 0 341 11,863,160 0 4,064
20-24 0.0 0.0 0.0 0 0 569 14,999,157 0 6,489
25-29 0.0 0.0 0.0 0 0 601 13,797,373 0 7,372
30-34 0.0 0.0 0.0 0 0 530 15,672,986 0 10,722
35-39 581.2 259.9 555.2 5 64,689 818 11,492,142 1 11,652
40-44 293.0 119.6 263.5 6 61,883 1,235 14,181,610 2 23,481
45-49 285.5 67.3 343.7 18 187,506 2,357 21,476,381 6 54,552
50-54 183.7 30.6 192.1 36 281,250 4,750 37,119,629 20 146,412
55-59 123.3 11.5 131.0 116 685,422 14,806 84,224,749 94 523,222
60-64 93.5 5.9 73.2 251 1,088,942 25,910 150,281,887 268 1,486,619
65-69 83.7 3.1 73.9 727 2,975,342 51,031 244,548,913 869 4,026,774
70-74 72.6 2.5 51.8 825 3,946,777 38,116 270,852,551 1,137 7,625,364
75-79 65.8 2.1 55.8 950 8,519,903 28,106 312,239,719 1,444 15,256,509
80-84 68.2 2.0 49.9 1,177 10,576,039 21,053 260,226,297 1,725 21,210,595
85-89 74.2 3.1 68.0 576 5,756,177 6,187 69,109,315 777 8,462,855
90-94 68.8 6.8 79.7 103 2,053,017 821 13,917,932 150 2,576,422
95-99 80.6 20.8 119.9 15 323,308 75 1,113,888 19 269,596
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 73.8 1.1 59.6 4,809 36,753,801 197,675 1,562,117,526 6,512 61,713,032
Ultimate Experience By Attained Age
5-59 202.9 25.6 294.0 63 1,007,130 12,413 169,916,422 31 342,510
60-64 150.9 17.4 131.1 75 440,586 7,997 54,696,487 50 336,057
65-69 99.8 7.4 147.6 183 1,311,102 17,761 86,851,564 183 888,549
70-74 98.7 3.7 98.2 695 2,881,156 42,111 175,744,677 704 2,933,886
75-79 89.2 1.7 85.0 2,670 9,543,186 100,451 377,998,378 2,993 11,222,542
80-84 85.5 0.9 81.9 8,345 27,162,198 184,893 630,856,892 9,759 33,160,009
85-89 88.8 0.7 85.3 16,269 50,317,002 201,019 649,250,175 18,316 58,993,195
90+ 95.5 0.6 94.3 23,184 71,514,629 148,513 466,409,198 24,279 75,844,386
Total 91.4 0.4 89.4 51,484 164,176,989 715,159 2,611,723,794 56,316 183,721,134
GRAND TOTAL 89.6 0.4 81.9 56,293 200,930,790 912,834 4,173,841,320 62,828 245,434,166

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.1     TOTAL EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 49.7 4.3 46.9 136 988,079 12,455 78,463,076 273 2,108,241
2 54.0 4.2 52.2 165 1,170,857 12,310 75,265,877 306 2,242,691
3 62.2 4.3 58.0 206 1,355,197 12,151 71,683,167 331 2,336,894
4 78.9 4.8 63.6 275 1,501,543 11,983 67,580,282 348 2,362,176
5 75.1 4.5 74.3 277 1,788,654 12,061 65,332,704 369 2,406,175
6 74.3 4.2 70.1 316 1,774,438 13,255 66,106,653 425 2,532,299
7 83.7 4.2 74.6 400 1,982,582 14,347 67,178,206 478 2,658,203
8 78.5 3.8 72.8 425 2,039,161 15,811 70,742,741 541 2,799,484
9 83.8 3.6 77.6 531 2,477,870 17,709 78,051,178 634 3,192,853
10 87.8 3.5 91.0 630 3,053,535 19,356 81,140,397 717 3,354,768
Total 76.0 1.3 69.8 3,361 18,131,916 141,435 721,544,280 4,424 25,993,784
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 1 25,929 0 13
15-19 0.0 0.0 0.0 0 0 7 8,792 0 5
20-24 0.0 0.0 0.0 0 0 4 1,180 0 1
25-29 0.0 0.0 0.0 0 0 9 13,167 0 11
30-34 0.0 0.0 0.0 0 0 61 269,923 0 284
35-39 0.0 0.0 0.0 0 0 138 418,329 0 532
40-44 367.6 260.0 909.1 2 14,631 264 729,040 1 1,609
45-49 102.4 59.1 98.4 3 12,556 776 3,424,382 3 12,755
50-54 214.9 40.6 220.0 28 155,193 2,196 11,551,732 13 70,547
55-59 132.9 11.7 114.2 129 520,648 10,949 51,960,515 97 455,982
60-64 94.1 5.5 85.1 291 1,253,138 21,301 101,814,828 309 1,472,357
65-69 82.3 2.6 76.8 1,005 4,064,567 51,548 223,009,894 1,221 5,290,198
70-74 76.7 2.6 71.5 852 3,824,102 30,859 149,083,945 1,110 5,348,926
75-79 62.6 2.9 61.1 454 3,222,030 13,067 93,682,230 725 5,269,928
80-84 65.0 3.0 65.4 455 3,776,226 8,380 67,667,639 700 5,773,846
85-89 59.9 5.3 60.7 130 1,212,524 1,728 16,178,301 217 1,996,211
90-94 43.1 13.0 24.4 11 72,227 144 1,689,619 26 296,556
95-99 93.7 93.7 101.2 1 4,074 4 14,836 1 4,024
100+ 0 0 0 0 0 0
Total 76.0 1.3 69.8 3,361 18,131,916 141,435 721,544,280 4,424 25,993,784
Ultimate Experience By Attained Age
5-59 119.4 26.7 65.8 20 55,758 3,051 14,856,103 17 84,687
60-64 108.8 17.9 81.4 37 159,488 3,928 21,763,654 34 196,008
65-69 101.3 7.5 85.7 184 761,680 12,835 60,265,964 182 889,130
70-74 91.8 3.3 81.0 770 3,021,498 36,360 155,195,210 839 3,731,313
75-79 88.6 1.5 83.3 3,404 12,787,301 99,712 386,672,968 3,844 15,345,765
80-84 88.3 0.8 84.8 10,992 37,480,198 196,782 683,896,373 12,444 44,211,840
85-89 92.2 0.6 90.2 20,390 63,679,541 216,664 684,733,283 22,124 70,602,800
90+ 100.9 0.6 98.7 25,760 69,753,015 151,368 422,491,007 25,523 70,638,093
Total 94.7 0.4 91.2 61,557 187,698,479 720,700 2,429,874,563 65,006 205,699,636
GRAND TOTAL 93.5 0.4 88.8 64,918 205,830,395 862,136 3,151,418,843 69,430 231,693,420

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.2     TOTAL EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.5 11.4 51.1 29 167,989 3,246 21,067,186 47 328,575
2 71.1 11.7 90.9 37 328,832 3,256 20,671,772 52 361,786
3 88.5 12.6 66.2 49 246,834 3,205 19,502,929 55 373,018
4 84.0 12.0 58.2 49 226,854 3,135 18,575,142 58 389,645
5 89.9 11.9 81.7 57 333,682 3,131 17,906,938 63 408,611
6 78.1 10.6 84.3 54 370,568 3,219 18,048,037 69 439,449
7 111.2 12.1 102.7 85 472,202 3,457 18,513,996 76 459,871
8 103.4 11.2 78.3 86 392,037 3,687 19,978,830 83 500,472
9 84.3 9.6 64.7 77 348,158 3,763 20,603,571 91 538,170
10 96.0 9.6 94.8 100 577,937 3,873 21,595,049 104 609,551
Total 88.9 3.6 78.6 623 3,465,093 33,972 196,463,450 701 4,409,148
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 2 8,638 0 6
30-34 0.0 0.0 0.0 0 0 29 36,080 0 43
35-39 0.0 0.0 0.0 0 0 70 202,561 0 448
40-44 0.0 0.0 0.0 0 0 156 476,868 0 1,075
45-49 72.0 72.0 34.9 1 2,195 404 1,702,071 1 6,293
50-54 152.4 50.8 120.3 9 42,897 1,060 6,506,757 6 35,660
55-59 160.5 19.0 147.0 71 376,182 5,305 29,740,693 44 255,894
60-64 88.2 8.3 71.8 113 556,984 9,659 57,854,265 128 775,707
65-69 91.7 6.1 96.6 226 1,301,795 12,166 64,107,051 247 1,346,975
70-74 54.9 8.0 53.7 47 306,003 2,502 16,272,214 86 569,738
75-79 77.0 11.5 72.0 45 331,076 1,033 8,276,368 58 459,815
80-84 81.4 8.3 51.4 97 465,874 1,508 10,883,487 119 906,106
85-89 128.1 35.5 138.1 13 67,087 75 380,061 10 48,564
90-94 172.3 172.3 531.1 1 15,000 3 16,337 1 2,824
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 88.9 3.6 78.6 623 3,465,093 33,972 196,463,450 701 4,409,148
Ultimate Experience By Attained Age
5-59 147.3 60.1 138.7 6 15,797 886 2,400,096 4 11,388
60-64 144.3 34.0 101.6 18 53,614 1,448 6,148,157 12 52,772
65-69 99.9 13.0 116.5 59 373,004 4,211 21,848,311 59 320,043
70-74 102.3 6.8 94.8 227 1,159,690 9,628 50,349,019 222 1,222,742
75-79 87.1 3.5 79.1 607 3,081,510 18,049 97,098,769 697 3,894,204
80-84 97.4 2.9 89.0 1,122 5,374,091 18,049 91,648,926 1,152 6,034,954
85-89 97.1 2.7 89.5 1,286 5,051,181 12,703 53,387,262 1,324 5,644,473
90+ 105.2 2.7 104.8 1,513 4,379,275 8,069 24,796,372 1,438 4,177,299
Total 98.6 1.4 91.2 4,838 19,488,162 73,043 347,676,911 4,908 21,357,874
GRAND TOTAL 97.4 1.3 89.1 5,461 22,953,255 107,015 544,140,360 5,608 25,767,022

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.3     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.0 3.1 28.4 215 2,215,633 15,876 225,601,256 467 7,811,680
2 58.3 3.4 39.1 293 3,246,731 15,726 221,770,237 503 8,309,996
3 67.1 3.5 57.0 361 4,701,874 15,470 206,030,180 538 8,252,155
4 69.0 3.5 52.9 389 4,470,153 15,176 198,018,895 564 8,443,589
5 75.8 3.6 61.2 456 5,173,673 15,400 190,655,123 601 8,457,817
6 72.3 3.3 59.2 479 5,014,312 16,104 182,439,074 662 8,469,463
7 76.9 3.2 48.0 574 4,080,838 17,323 177,219,270 747 8,508,147
8 78.5 3.1 63.7 654 5,534,284 18,643 172,137,783 833 8,691,156
9 80.9 3.0 61.8 733 5,435,950 19,570 167,104,749 906 8,793,723
10 81.3 2.9 63.4 795 5,299,963 20,375 154,784,251 977 8,363,517
Total 72.8 1.0 53.7 4,949 45,173,411 169,663 1,895,760,820 6,799 84,101,243
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 76 1,278,763 0 460
5-9 2287.9 1320.9 2865.9 3 208,254 386 19,873,686 0 7,267
10-14 452.1 452.1 658.9 1 44,864 515 17,114,724 0 6,809
15-19 568.7 402.1 587.1 2 55,685 715 20,338,876 0 9,484
20-24 0.0 0.0 0.0 0 0 1,368 39,831,264 1 25,930
25-29 427.9 191.4 1381.2 5 429,282 1,510 39,229,393 1 31,080
30-34 79.0 79.0 23.8 1 9,201 1,221 38,646,413 1 38,629
35-39 357.7 119.2 184.1 9 93,714 1,562 30,973,420 3 50,908
40-44 296.0 74.0 243.2 16 191,458 2,042 30,648,325 5 78,733
45-49 213.8 41.1 267.2 27 350,176 3,068 34,173,214 13 131,049
50-54 168.8 23.6 186.1 51 499,258 5,159 48,872,942 30 268,251
55-59 99.1 10.6 124.1 88 841,095 10,179 79,705,651 89 678,013
60-64 78.3 5.5 53.1 202 950,031 17,932 135,195,142 258 1,789,314
65-69 74.1 2.7 57.2 752 3,174,715 43,622 245,768,902 1,015 5,546,785
70-74 69.6 2.6 38.3 728 4,393,763 28,551 320,782,906 1,047 11,482,865
75-79 65.8 2.1 43.6 979 10,317,609 25,272 411,458,578 1,488 23,637,671
80-84 69.0 2.0 47.0 1,134 11,311,831 18,164 273,497,496 1,644 24,092,600
85-89 78.9 2.9 67.8 735 7,210,996 6,949 80,259,192 932 10,642,619
90-94 76.9 5.6 83.0 187 3,953,209 1,257 24,626,602 243 4,765,231
95-99 98.8 18.7 137.3 28 1,112,978 115 3,460,038 28 810,433
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 72.8 1.0 53.7 4,949 45,173,411 169,663 1,895,760,820 6,799 84,101,243
Ultimate Experience By Attained Age
5-59 144.8 12.4 227.4 137 2,231,248 24,888 349,218,162 95 981,294
60-64 118.7 10.4 128.5 129 925,407 12,110 83,858,451 109 720,115
65-69 83.3 5.3 121.9 243 1,892,459 19,933 108,348,801 292 1,551,918
70-74 75.5 2.8 68.8 719 2,945,782 39,470 179,081,495 953 4,282,307
75-79 77.9 1.5 72.5 2,666 9,775,464 84,866 336,837,988 3,422 13,483,161
80-84 83.1 1.0 72.2 6,265 21,407,847 116,507 458,589,898 7,539 29,648,457
85-89 89.4 0.9 82.2 9,797 36,263,341 106,912 428,355,870 10,961 44,138,633
90+ 99.6 0.9 93.5 13,376 53,068,774 77,336 327,587,970 13,436 56,756,526
Total 90.6 0.5 84.8 33,332 128,510,322 482,023 2,271,878,636 36,805 151,562,412
GRAND TOTAL 87.8 0.4 73.7 38,281 173,683,733 651,686 4,167,639,455 43,604 235,663,656

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.4     MALE EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 53.5 6.3 48.2 72 541,032 5,309 36,348,151 135 1,121,440
2 56.6 6.3 51.8 81 594,978 5,127 34,294,547 143 1,149,393
3 60.7 6.3 60.7 92 705,680 5,005 32,075,343 152 1,161,878
4 86.6 7.3 69.0 140 823,791 5,004 30,722,654 162 1,193,323
5 80.0 6.8 77.7 137 941,789 5,008 29,618,989 171 1,212,704
6 77.9 6.3 72.1 155 902,688 5,476 29,512,503 199 1,252,193
7 88.5 6.3 81.5 200 1,047,217 5,944 29,509,286 226 1,285,367
8 77.8 5.5 62.8 203 866,532 6,592 31,167,960 261 1,378,855
9 88.7 5.3 80.7 279 1,338,542 7,526 35,671,949 315 1,657,740
10 89.1 5.0 96.8 323 1,698,880 8,328 37,417,843 363 1,754,960
Total 79.1 1.9 71.9 1,682 9,461,129 59,319 326,339,224 2,125 13,167,853
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 1 25,929 0 13
15-19 0.0 0.0 0.0 0 0 7 8,792 0 5
20-24 0.0 0.0 0.0 0 0 4 1,180 0 1
25-29 0.0 0.0 0.0 0 0 9 13,167 0 11
30-34 0.0 0.0 0.0 0 0 38 223,581 0 249
35-39 0.0 0.0 0.0 0 0 61 87,892 0 199
40-44 415.8 415.8 1667.3 1 9,103 74 164,345 0 546
45-49 122.2 86.4 175.1 2 11,337 303 1,182,051 2 6,476
50-54 165.4 47.8 124.3 12 53,911 875 5,284,454 7 43,361
55-59 137.9 15.4 124.1 80 351,205 4,883 24,595,314 58 283,073
60-64 92.5 7.0 84.0 175 797,988 10,030 51,561,654 189 949,896
65-69 79.9 3.3 72.2 591 2,508,513 24,482 117,870,847 739 3,473,525
70-74 78.4 3.7 72.8 441 2,146,399 12,171 65,422,945 562 2,948,451
75-79 64.7 5.0 61.1 166 1,316,640 3,565 30,400,058 257 2,155,340
80-84 69.1 5.5 72.3 159 1,673,919 2,272 22,617,184 230 2,316,370
85-89 69.7 9.8 65.3 51 561,583 506 6,124,111 73 859,812
90-94 55.4 27.7 23.4 4 30,531 39 755,719 7 130,526
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 79.1 1.9 71.9 1,682 9,461,129 59,319 326,339,224 2,125 13,167,853
Ultimate Experience By Attained Age
5-59 78.7 24.9 54.1 10 35,159 1,911 9,475,463 13 64,947
60-64 94.3 21.1 48.3 20 65,249 1,895 12,059,860 21 135,143
65-69 102.0 9.6 73.3 113 448,869 6,027 33,591,712 111 612,466
70-74 88.7 4.2 73.5 452 1,845,582 16,771 82,783,519 509 2,512,014
75-79 87.7 2.0 79.8 1,924 7,771,910 44,751 199,092,527 2,193 9,734,736
80-84 91.0 1.2 84.5 5,694 21,274,868 79,999 323,179,300 6,257 25,168,673
85-89 95.4 1.0 93.1 9,577 33,115,409 84,073 299,314,000 10,037 35,587,558
90+ 109.7 1.0 105.8 11,516 33,638,711 57,830 177,438,855 10,498 31,790,708
Total 98.9 0.6 93.0 29,306 98,195,757 293,257 1,136,935,237 29,640 105,606,246
GRAND TOTAL 97.6 0.6 90.6 30,988 107,656,886 352,576 1,463,274,460 31,765 118,774,099

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.5     MALE EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 62.7 15.2 46.0 17 99,857 1,345 10,194,942 27 216,921
2 60.0 14.6 106.6 17 240,436 1,350 9,898,098 28 225,501
3 115.5 19.5 81.0 35 186,907 1,353 9,386,141 30 230,870
4 85.9 16.5 56.9 27 134,635 1,317 8,800,202 31 236,741
5 87.3 15.9 99.1 30 243,823 1,321 8,458,073 34 246,081
6 79.8 14.6 81.0 30 212,266 1,348 8,371,230 38 261,907
7 114.9 16.6 108.6 48 295,847 1,467 8,621,529 42 272,302
8 104.8 15.1 73.1 48 216,563 1,588 9,377,422 46 296,172
9 84.3 12.9 63.8 43 199,635 1,657 9,912,892 51 312,968
10 102.2 13.4 99.4 58 349,431 1,708 10,562,722 57 351,564
Total 91.8 4.9 82.2 353 2,179,400 14,453 93,583,251 385 2,651,028
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 1 605 0 1
30-34 0.0 0.0 0.0 0 0 26 28,571 0 36
35-39 0.0 0.0 0.0 0 0 53 162,648 0 407
40-44 0.0 0.0 0.0 0 0 53 170,741 0 584
45-49 0.0 0.0 0.0 0 0 123 615,436 1 3,430
50-54 175.0 71.4 169.2 6 32,594 447 2,537,668 3 19,269
55-59 167.7 26.2 149.3 41 227,340 2,144 13,122,830 24 152,273
60-64 85.4 10.9 65.6 61 307,440 3,925 26,247,201 71 468,959
65-69 92.0 7.9 109.6 137 972,522 5,552 33,408,971 149 887,317
70-74 60.8 11.5 54.2 28 180,678 1,070 7,846,424 46 333,465
75-79 95.9 18.1 75.8 28 190,655 420 3,799,458 29 251,469
80-84 82.1 12.0 45.3 47 234,964 619 5,530,692 57 518,257
85-89 178.1 89.1 142.9 4 18,207 16 95,668 2 12,737
90-94 172.3 172.3 531.1 1 15,000 3 16,337 1 2,824
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 91.8 4.9 82.2 353 2,179,400 14,453 93,583,251 385 2,651,028
Ultimate Experience By Attained Age
5-59 199.2 89.1 190.1 5 12,086 414 951,190 3 6,359
60-64 158.3 45.7 81.0 12 25,021 670 2,708,539 8 30,895
65-69 81.2 15.1 81.8 29 176,683 1,958 11,771,139 36 216,033
70-74 90.6 8.1 85.0 126 733,898 4,622 28,642,284 139 863,618
75-79 84.9 4.4 74.7 371 2,036,814 9,096 56,776,186 437 2,726,194
80-84 98.4 3.8 87.1 674 3,575,974 8,952 53,809,082 685 4,104,250
85-89 98.7 3.6 90.9 748 3,350,925 6,407 31,405,015 758 3,685,179
90+ 115.3 4.0 109.2 839 2,601,541 3,921 13,464,288 728 2,383,043
Total 100.4 1.9 89.3 2,804 12,512,942 36,040 199,527,723 2,792 14,015,569
GRAND TOTAL 99.4 1.8 88.2 3,157 14,692,342 50,494 293,110,974 3,177 16,666,598

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.6     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 52.9 5.1 23.5 109 874,785 6,755 99,934,171 206 3,725,002
2 62.4 5.4 32.8 136 1,295,115 6,665 97,110,727 218 3,949,192
3 74.6 5.7 67.6 172 2,605,332 6,521 90,282,774 230 3,856,249
4 63.9 5.2 38.1 152 1,445,026 6,412 86,533,089 238 3,788,389
5 79.3 5.6 62.2 199 2,333,288 6,537 84,136,077 251 3,750,431
6 68.7 5.0 51.2 189 1,820,835 6,916 79,676,042 275 3,557,684
7 74.0 4.9 44.9 232 1,597,754 7,545 77,498,157 313 3,554,564
8 73.9 4.6 51.9 261 1,851,533 8,204 74,367,401 353 3,566,131
9 78.5 4.5 72.0 306 2,675,495 8,744 73,528,307 390 3,716,646
10 78.0 4.3 53.5 333 1,876,927 9,325 68,661,804 427 3,507,976
Total 72.0 1.6 49.7 2,089 18,376,090 73,624 831,728,549 2,901 36,972,263
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 58 990,557 0 414
5-9 0.0 0.0 0.0 0 0 216 13,029,978 0 6,036
10-14 569.8 569.8 921.7 1 44,864 335 9,272,090 0 4,867
15-19 844.7 597.3 1027.4 2 55,685 373 8,475,716 0 5,420
20-24 0.0 0.0 0.0 0 0 799 24,832,107 1 19,441
25-29 590.8 264.2 1810.3 5 429,282 910 25,440,054 1 23,713
30-34 110.4 110.4 32.9 1 9,201 717 23,027,277 1 27,949
35-39 227.8 113.9 73.2 4 29,025 838 19,851,629 2 39,629
40-44 287.5 86.7 237.8 11 135,103 1,100 17,337,535 4 56,806
45-49 132.1 39.8 193.9 11 166,084 1,464 16,025,799 8 85,638
50-54 180.2 30.9 199.3 34 329,593 2,343 21,989,680 19 165,416
55-59 95.2 13.3 109.9 51 473,958 4,600 39,463,967 54 431,321
60-64 71.5 6.6 50.0 119 565,783 9,027 66,773,492 166 1,131,905
65-69 72.8 3.2 54.9 528 2,084,700 26,271 137,057,117 726 3,796,343
70-74 67.0 3.7 34.6 333 2,250,014 10,555 142,017,145 497 6,494,250
75-79 61.6 3.4 32.8 334 3,843,517 7,282 166,977,939 542 11,704,096
80-84 67.1 3.9 45.6 303 3,069,009 4,108 63,674,449 452 6,727,329
85-89 80.5 5.1 64.3 247 2,154,640 2,043 21,488,460 307 3,351,990
90-94 81.5 8.5 82.5 91 1,941,888 541 11,642,571 112 2,354,839
95-99 129.7 34.7 145.7 14 793,744 44 2,360,986 11 544,862
100+ 0 0 0 0 0 0
Total 72.0 1.6 49.7 2,089 18,376,090 73,624 831,728,549 2,901 36,972,263
Ultimate Experience By Attained Age
5-59 122.9 13.3 188.1 85 1,248,428 14,086 186,131,286 69 663,553
60-64 100.3 11.4 130.2 77 607,653 6,924 42,305,375 77 466,800
65-69 79.5 6.3 104.4 161 1,090,489 11,234 58,248,661 203 1,044,043
70-74 67.0 3.2 56.9 443 1,666,334 21,953 97,455,244 661 2,926,844
75-79 73.2 1.8 69.6 1,712 6,292,365 48,328 186,742,634 2,339 9,039,657
80-84 82.7 1.4 70.1 3,666 12,249,096 57,496 226,289,923 4,434 17,462,319
85-89 92.1 1.3 82.3 4,879 18,210,727 44,780 186,507,225 5,298 22,119,974
90+ 104.5 1.5 90.2 5,110 19,446,183 26,510 117,563,008 4,891 21,553,782
Total 89.8 0.7 80.8 16,133 60,811,275 231,310 1,101,243,356 17,971 75,276,973
GRAND TOTAL 87.3 0.6 70.5 18,222 79,187,365 304,934 1,932,971,904 20,872 112,249,236

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.7     FEMALE EXPERIENCE--SINGLE LIFE--RRSP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.1 5.8 45.3 64 447,047 7,146 42,114,925 139 986,801
2 51.6 5.6 52.7 84 575,879 7,182 40,971,330 163 1,093,298
3 63.4 5.9 55.3 114 649,517 7,146 39,607,824 180 1,175,016
4 72.3 6.2 58.0 135 677,752 6,979 36,857,628 187 1,168,854
5 70.9 6.0 71.0 140 846,865 7,053 35,713,716 197 1,193,471
6 71.1 5.6 68.1 161 871,750 7,778 36,594,150 226 1,280,106
7 79.3 5.6 68.1 200 935,365 8,403 37,668,920 252 1,372,835
8 79.2 5.3 82.5 222 1,172,629 9,219 39,574,781 280 1,420,629
9 79.0 5.0 74.2 252 1,139,328 10,183 42,379,230 319 1,535,114
10 86.5 4.9 84.7 307 1,354,655 11,028 43,722,554 355 1,599,807
Total 73.1 1.8 67.6 1,679 8,670,787 82,117 395,205,057 2,298 12,825,931
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 23 46,341 0 34
35-39 0.0 0.0 0.0 0 0 77 330,437 0 333
40-44 329.5 329.5 519.8 1 5,528 189 564,694 0 1,064
45-49 77.4 77.4 19.4 1 1,219 473 2,242,331 1 6,279
50-54 277.1 69.3 372.6 16 101,282 1,321 6,267,278 6 27,186
55-59 125.5 17.9 98.0 49 169,443 6,067 27,365,201 39 172,909
60-64 96.6 9.0 87.1 116 455,150 11,271 50,253,174 120 522,461
65-69 85.9 4.2 85.7 414 1,556,054 27,066 105,139,047 482 1,816,674
70-74 75.0 3.7 69.9 411 1,677,703 18,688 83,661,000 548 2,400,475
75-79 61.5 3.6 61.2 288 1,905,390 9,502 63,282,171 468 3,114,587
80-84 62.9 3.7 60.8 296 2,102,307 6,108 45,050,455 470 3,457,476
85-89 55.0 6.2 57.3 79 650,941 1,222 10,054,190 144 1,136,399
90-94 38.2 14.4 25.1 7 41,696 105 933,901 18 166,030
95-99 93.7 93.7 101.2 1 4,074 4 14,836 1 4,024
100+ 0 0 0 0 0 0
Total 73.1 1.8 67.6 1,679 8,670,787 82,117 395,205,057 2,298 12,825,931
Ultimate Experience By Attained Age
5-59 247.1 78.1 104.4 10 20,599 1,140 5,380,640 4 19,740
60-64 132.6 32.2 154.8 17 94,239 2,034 9,703,793 13 60,865
65-69 100.2 11.9 113.1 71 312,811 6,808 26,674,252 71 276,663
70-74 96.5 5.4 96.4 318 1,175,916 19,589 72,411,691 330 1,219,300
75-79 89.7 2.3 89.4 1,480 5,015,391 54,960 187,580,441 1,651 5,611,029
80-84 85.6 1.2 85.1 5,298 16,205,330 116,784 360,717,073 6,187 19,043,167
85-89 89.5 0.9 87.3 10,813 30,564,132 132,591 385,419,283 12,087 35,015,242
90+ 94.8 0.8 93.0 14,244 36,114,304 93,538 245,052,153 15,024 38,847,385
Total 91.2 0.5 89.4 32,251 89,502,722 427,443 1,292,939,326 35,367 100,093,391
GRAND TOTAL 90.1 0.5 86.9 33,930 98,173,509 509,560 1,688,144,383 37,665 112,919,322

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.8     FEMALE EXPERIENCE--SINGLE LIFE--RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 60.0 17.3 61.0 12 68,132 1,901 10,872,244 20 111,654
2 84.3 18.9 64.9 20 88,396 1,906 10,773,674 24 136,285
3 55.8 14.9 42.2 14 59,927 1,852 10,116,788 25 142,148
4 81.7 17.4 60.3 22 92,219 1,818 9,774,940 27 152,903
5 93.1 17.9 55.3 27 89,859 1,810 9,448,865 29 162,531
6 76.1 15.5 89.2 24 158,302 1,872 9,676,806 32 177,542
7 106.6 17.5 94.0 37 176,355 1,990 9,892,467 35 187,569
8 101.7 16.5 85.9 38 175,474 2,099 10,601,409 37 204,300
9 84.3 14.5 66.0 34 148,523 2,106 10,690,679 40 225,201
10 88.5 13.7 88.6 42 228,506 2,165 11,032,327 47 257,987
Total 85.4 5.2 73.1 270 1,285,693 19,519 102,880,199 316 1,758,120
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 1 8,033 0 5
30-34 0.0 0.0 0.0 0 0 3 7,509 0 7
35-39 0.0 0.0 0.0 0 0 17 39,914 0 41
40-44 0.0 0.0 0.0 0 0 103 306,126 0 491
45-49 140.0 140.0 76.7 1 2,195 281 1,086,634 1 2,863
50-54 121.0 69.9 62.9 3 10,303 613 3,969,089 2 16,391
55-59 151.5 27.7 143.6 30 148,842 3,161 16,617,864 20 103,620
60-64 91.7 12.7 81.4 52 249,544 5,734 31,607,064 57 306,748
65-69 91.1 9.7 71.6 89 329,273 6,614 30,698,080 98 459,658
70-74 48.0 11.0 53.0 19 125,325 1,432 8,425,790 40 236,273
75-79 58.2 14.1 67.4 17 140,421 613 4,476,909 29 208,347
80-84 80.8 11.4 59.5 50 230,910 889 5,352,795 62 387,848
85-89 113.8 37.9 136.4 9 48,880 59 284,393 8 35,827
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 85.4 5.2 73.1 270 1,285,693 19,519 102,880,199 316 1,758,120
Ultimate Experience By Attained Age
5-59 64.0 64.0 73.8 1 3,711 471 1,448,906 2 5,029
60-64 122.6 50.1 130.7 6 28,593 778 3,439,618 5 21,877
65-69 128.5 23.5 188.8 30 196,321 2,254 10,077,171 23 104,010
70-74 122.1 12.1 118.6 101 425,792 5,006 21,706,735 83 359,124
75-79 90.9 5.9 89.4 236 1,044,696 8,952 40,322,583 260 1,168,009
80-84 96.0 4.5 93.1 448 1,798,117 9,097 37,839,844 467 1,930,704
85-89 95.1 4.1 86.8 538 1,700,256 6,296 21,982,247 566 1,959,294
90+ 94.9 3.7 99.1 674 1,777,734 4,148 11,332,084 710 1,794,257
Total 96.2 2.1 95.0 2,034 6,975,220 37,003 148,149,188 2,115 7,342,305
GRAND TOTAL 94.8 2.0 90.8 2,304 8,260,913 56,522 251,029,387 2,431 9,100,425

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 2.9     FEMALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 40.6 3.9 32.8 106 1,340,848 9,121 125,667,085 261 4,086,678
2 55.1 4.4 44.8 157 1,951,616 9,061 124,659,510 285 4,360,804
3 61.5 4.5 47.7 189 2,096,542 8,949 115,747,407 307 4,395,906
4 72.6 4.7 65.0 237 3,025,127 8,764 111,485,806 326 4,655,200
5 73.4 4.6 60.3 257 2,840,385 8,863 106,519,047 350 4,707,386
6 74.9 4.4 65.0 290 3,193,477 9,187 102,763,032 387 4,911,779
7 78.9 4.3 50.1 342 2,483,084 9,778 99,721,113 433 4,953,583
8 81.9 4.1 71.9 393 3,682,751 10,440 97,770,382 480 5,125,026
9 82.7 4.0 54.4 427 2,760,455 10,826 93,576,442 516 5,077,077
10 83.9 3.9 70.5 462 3,423,036 11,051 86,122,448 551 4,855,541
Total 73.4 1.4 56.9 2,860 26,797,321 96,039 1,064,032,271 3,898 47,128,981
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 18 288,206 0 47
5-9 9653.6 5573.5 16927.0 3 208,254 170 6,843,708 0 1,230
10-14 0.0 0.0 0.0 0 0 181 7,842,633 0 1,941
15-19 0.0 0.0 0.0 0 0 341 11,863,160 0 4,064
20-24 0.0 0.0 0.0 0 0 569 14,999,157 0 6,489
25-29 0.0 0.0 0.0 0 0 600 13,789,339 0 7,367
30-34 0.0 0.0 0.0 0 0 504 15,619,136 0 10,680
35-39 657.7 294.1 573.6 5 64,689 724 11,121,791 1 11,278
40-44 316.7 141.6 257.0 5 56,355 942 13,310,790 2 21,927
45-49 372.2 93.1 405.4 16 184,092 1,604 18,147,416 4 45,410
50-54 149.9 36.3 165.0 17 169,665 2,816 26,883,262 11 102,835
55-59 105.1 17.3 148.8 37 367,137 5,578 40,241,684 35 246,692
60-64 90.7 10.0 58.4 83 384,248 8,905 68,421,649 92 657,410
65-69 77.5 5.2 62.3 224 1,090,015 17,350 108,711,786 289 1,750,442
70-74 71.9 3.6 43.0 395 2,143,749 17,996 178,765,761 550 4,988,616
75-79 68.2 2.7 54.3 645 6,474,092 17,991 244,480,639 946 11,933,575
80-84 69.7 2.4 47.5 831 8,242,822 14,056 209,823,046 1,193 17,365,271
85-89 78.1 3.5 69.4 488 5,056,356 4,906 58,770,732 625 7,290,629
90-94 73.0 7.5 83.4 96 2,011,321 717 12,984,031 131 2,410,392
95-99 79.8 21.3 120.2 14 319,234 71 1,099,052 18 265,572
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 73.4 1.4 56.9 2,860 26,797,321 96,039 1,064,032,271 3,898 47,128,981
Ultimate Experience By Attained Age
5-59 204.4 28.4 309.3 52 982,820 10,802 163,086,876 25 317,741
60-64 162.6 22.6 125.4 52 317,754 5,186 41,553,076 32 253,315
65-69 91.9 10.2 157.9 82 801,970 8,699 50,100,141 89 507,875
70-74 94.6 5.7 94.4 276 1,279,448 17,517 81,626,251 292 1,355,463
75-79 88.1 2.9 78.4 954 3,483,099 36,538 150,095,354 1,083 4,443,504
80-84 83.7 1.6 75.2 2,599 9,158,751 59,012 232,299,975 3,105 12,186,138
85-89 86.8 1.2 82.0 4,918 18,052,614 62,132 241,848,645 5,663 22,018,659
90+ 96.7 1.1 95.5 8,266 33,622,591 50,827 210,024,962 8,545 35,202,744
Total 91.3 0.7 88.7 17,199 67,699,047 250,713 1,170,635,280 18,834 76,285,439
GRAND TOTAL 88.2 0.6 76.6 20,059 94,496,368 346,752 2,234,667,551 22,732 123,414,420

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.1     TOTAL EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 33.6 4.7 12.9 50 469,291 5,466 103,783,296 149 3,638,565
2 47.2 5.1 30.0 87 1,246,270 5,685 103,764,834 184 4,157,150
3 59.2 5.5 60.4 118 2,591,274 5,605 99,732,702 199 4,292,100
4 59.2 5.2 41.0 128 1,896,013 5,682 100,127,709 216 4,624,144
5 61.7 5.1 39.3 146 1,874,800 5,762 94,204,097 237 4,772,158
6 58.7 4.6 52.6 166 2,757,136 6,269 94,945,441 283 5,243,782
7 72.8 4.7 40.4 236 2,226,583 6,681 93,070,491 324 5,512,377
8 67.8 4.3 49.0 243 2,731,269 7,093 88,475,647 359 5,573,336
9 70.2 4.2 54.8 281 3,213,246 7,397 87,405,600 400 5,858,696
10 75.0 4.1 57.4 334 3,416,445 8,025 83,540,307 445 5,949,220
Total 64.0 1.5 45.2 1,789 22,422,327 63,665 949,050,124 2,797 49,621,528
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 15 4,652 0 2
5-9 0.0 0.0 0.0 0 0 7 192,110 0 39
10-14 0.0 0.0 0.0 0 0 23 440,948 0 218
15-19 0.0 0.0 0.0 0 0 56 1,393,761 0 806
20-24 0.0 0.0 0.0 0 0 101 6,031,304 0 3,589
25-29 1047.8 740.9 5998.4 2 411,891 234 8,195,128 0 6,867
30-34 0.0 0.0 0.0 0 0 227 8,773,654 0 8,430
35-39 197.3 197.3 73.0 1 7,280 283 5,400,176 1 9,977
40-44 573.7 256.6 489.1 5 42,926 328 3,499,161 1 8,777
45-49 273.7 96.8 503.0 8 153,140 735 9,181,489 3 30,445
50-54 132.6 40.0 79.8 11 54,208 1,331 11,789,363 8 67,927
55-59 131.1 19.8 163.8 44 537,098 3,788 35,487,862 34 327,850
60-64 96.0 9.6 48.9 101 492,370 7,295 70,734,600 105 1,006,556
65-69 67.0 4.3 52.7 239 1,684,574 15,256 135,353,246 357 3,193,899
70-74 61.4 3.6 35.6 292 2,533,682 12,770 193,280,129 475 7,116,653
75-79 54.0 2.9 37.7 349 5,627,709 10,723 247,975,846 647 14,933,216
80-84 58.4 2.8 36.9 433 5,579,374 7,777 163,854,502 742 15,108,123
85-89 72.8 4.8 57.5 232 2,522,585 2,178 30,468,488 319 4,389,949
90-94 65.0 8.4 71.3 60 2,091,299 485 14,919,637 92 2,933,502
95-99 88.0 25.4 144.1 12 684,191 54 2,074,068 14 474,702
100+ 0 0 0 0 0 0
Total 64.0 1.5 45.2 1,789 22,422,327 63,665 949,050,124 2,797 49,621,528
Ultimate Experience By Attained Age
5-59 100.5 17.2 118.3 34 193,162 6,747 40,377,567 34 163,228
60-64 103.2 16.1 116.1 41 219,281 4,270 20,531,912 40 188,877
65-69 79.3 8.1 86.0 95 449,535 8,091 35,487,652 120 522,495
70-74 80.6 4.3 67.8 354 1,402,966 18,543 86,314,150 439 2,070,512
75-79 82.1 2.2 76.8 1,448 6,528,281 44,910 211,129,690 1,763 8,497,209
80-84 85.0 1.2 76.4 4,775 18,780,260 87,898 377,624,549 5,615 24,587,677
85-89 90.0 0.9 81.7 9,825 36,342,127 106,417 428,785,383 10,915 44,500,719
90+ 101.6 0.8 96.1 16,901 59,135,592 94,927 356,833,277 16,628 61,559,159
Total 94.1 0.5 86.6 33,473 123,051,204 371,803 1,557,084,179 35,553 142,089,877
GRAND TOTAL 91.9 0.5 75.9 35,262 145,473,531 435,468 2,506,134,303 38,349 191,711,406

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.2     TOTAL EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 51.6 2.8 43.9 330 2,902,410 26,110 221,348,221 639 6,609,931
2 60.3 3.0 51.8 408 3,500,150 25,607 213,943,052 677 6,757,323
3 68.7 3.1 55.7 498 3,712,631 25,220 197,483,575 725 6,669,968
4 77.5 3.2 65.5 585 4,302,537 24,612 184,046,610 754 6,571,266
5 80.8 3.2 83.4 644 5,421,209 24,829 179,690,668 797 6,500,445
6 78.1 3.0 71.0 683 4,402,182 26,309 171,648,322 874 6,197,430
7 84.2 2.9 70.5 823 4,309,039 28,446 169,840,981 977 6,113,843
8 83.9 2.8 81.6 922 5,234,213 31,049 174,383,707 1,099 6,417,776
9 86.1 2.6 75.7 1,060 5,048,732 33,645 178,353,899 1,231 6,666,050
10 88.0 2.5 86.5 1,191 5,514,990 35,580 173,979,390 1,354 6,378,615
Total 78.3 0.9 68.4 7,144 44,348,093 281,406 1,864,718,426 9,127 64,882,647
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 61 1,274,111 0 458
5-9 2312.9 1335.4 2881.5 3 208,254 379 19,681,575 0 7,227
10-14 474.5 474.5 679.4 1 44,864 494 16,699,705 0 6,603
15-19 611.9 432.7 641.3 2 55,685 666 18,953,908 0 8,683
20-24 0.0 0.0 0.0 0 0 1,271 33,801,140 1 22,342
25-29 304.0 175.5 71.8 3 17,391 1,287 31,056,071 1 24,231
30-34 89.3 89.3 30.1 1 9,201 1,084 30,178,761 1 30,525
35-39 340.3 120.3 206.2 8 86,434 1,486 26,194,134 2 41,910
40-44 239.5 66.4 224.6 13 163,163 2,135 28,355,071 5 72,641
45-49 164.0 34.2 177.0 23 211,787 3,512 30,118,178 14 119,652
50-54 188.5 21.5 209.8 77 643,140 7,084 55,142,068 41 306,531
55-59 124.2 8.0 113.1 244 1,200,827 22,644 125,918,997 196 1,062,038
60-64 85.6 3.8 74.8 505 2,267,783 41,597 224,129,634 590 3,030,822
65-69 82.0 2.0 76.3 1,744 6,856,503 92,080 397,532,601 2,126 8,990,059
70-74 75.6 2.1 58.2 1,335 5,990,186 49,142 292,858,936 1,767 10,284,876
75-79 69.5 2.1 57.1 1,129 8,243,006 28,649 265,441,330 1,625 14,434,198
80-84 72.7 2.1 63.7 1,253 9,974,557 20,275 188,194,120 1,722 15,664,428
85-89 76.9 3.0 71.9 646 5,968,022 6,574 66,349,066 840 8,297,446
90-94 78.6 6.7 91.5 139 1,949,137 920 11,412,922 177 2,131,108
95-99 107.8 26.1 127.4 17 432,861 65 1,400,806 16 339,755
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 78.3 0.9 68.4 7,144 44,348,093 281,406 1,864,718,426 9,127 64,882,647
Ultimate Experience By Attained Age
5-59 158.1 13.9 230.8 129 2,109,641 22,078 326,096,794 82 914,141
60-64 123.8 10.4 117.8 143 919,228 13,216 91,238,350 115 780,018
65-69 94.7 4.8 115.1 391 2,577,608 28,888 154,975,424 413 2,238,595
70-74 86.5 2.3 79.9 1,362 5,724,004 66,915 298,311,573 1,574 7,165,850
75-79 84.3 1.2 78.9 5,229 19,115,994 157,716 609,480,036 6,199 24,225,920
80-84 87.7 0.8 82.2 13,604 45,481,876 243,441 856,510,649 15,520 55,307,574
85-89 92.1 0.6 90.5 21,648 68,651,936 229,862 737,691,032 23,494 75,885,187
90+ 99.9 0.6 97.2 23,748 68,065,472 141,847 418,042,072 23,768 70,012,760
Total 93.1 0.4 89.9 66,254 212,645,759 903,963 3,492,345,930 71,166 236,530,046
GRAND TOTAL 91.4 0.3 85.3 73,398 256,993,852 1,185,369 5,357,064,356 80,293 301,412,693

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.3     MALE EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 39.0 7.2 12.6 29 249,188 2,427 49,114,063 74 1,971,330
2 45.9 7.5 33.7 38 734,416 2,358 47,601,140 83 2,181,289
3 66.4 8.7 84.4 58 1,794,178 2,289 44,217,318 87 2,126,381
4 57.5 7.8 28.4 54 635,627 2,307 44,394,497 94 2,240,845
5 70.3 8.2 48.8 73 1,146,903 2,366 43,164,645 104 2,348,458
6 63.8 7.3 52.4 76 1,262,020 2,526 41,876,866 119 2,408,461
7 76.9 7.6 45.6 102 1,158,978 2,681 41,742,512 133 2,540,979
8 73.5 7.0 50.3 110 1,282,578 2,920 39,661,996 150 2,552,036
9 58.7 5.9 64.6 98 1,720,541 3,064 39,004,751 167 2,665,164
10 76.2 6.4 55.2 143 1,498,771 3,381 37,488,363 188 2,713,879
Total 65.2 2.3 48.4 781 11,483,200 26,319 428,266,152 1,198 23,748,820
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 3,952 0 2
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 23 440,948 0 218
15-19 0.0 0.0 0.0 0 0 35 971,309 0 675
20-24 0.0 0.0 0.0 0 0 59 2,349,892 0 1,927
25-29 1283.9 907.9 6931.3 2 411,891 168 6,426,892 0 5,942
30-34 0.0 0.0 0.0 0 0 153 5,425,439 0 6,188
35-39 240.8 240.8 80.8 1 7,280 195 4,467,103 0 9,013
40-44 488.4 282.0 440.5 3 27,778 172 1,943,077 1 6,306
45-49 165.3 95.4 691.7 3 104,603 314 2,964,238 2 15,123
50-54 122.8 46.4 54.2 7 24,551 707 6,002,968 6 45,294
55-59 117.3 23.9 101.1 24 234,271 1,747 20,291,352 20 231,656
60-64 98.4 12.2 45.5 65 313,457 3,543 38,780,362 66 689,155
65-69 63.3 5.3 56.0 145 1,254,629 7,816 77,395,961 229 2,241,588
70-74 61.8 5.0 35.6 151 1,546,330 5,187 93,126,512 244 4,340,927
75-79 49.3 4.4 32.2 128 2,532,581 3,428 107,458,825 260 7,857,595
80-84 62.6 5.4 45.7 134 2,034,936 1,881 39,892,529 214 4,452,684
85-89 76.4 8.4 64.7 82 1,066,784 646 9,739,516 107 1,648,182
90-94 68.8 12.4 72.7 31 1,293,210 225 8,746,185 45 1,779,643
95-99 148.4 66.4 151.4 5 630,899 14 1,839,094 3 416,703
100+ 0 0 0 0 0 0
Total 65.2 2.3 48.4 781 11,483,200 26,319 428,266,152 1,198 23,748,820
Ultimate Experience By Attained Age
5-59 74.7 16.3 62.2 21 79,289 4,689 24,848,193 28 127,473
60-64 86.1 16.9 97.6 26 137,431 2,733 12,726,085 30 140,845
65-69 75.1 9.5 71.5 63 261,567 4,632 20,354,867 84 365,955
70-74 74.6 5.1 58.4 215 811,250 9,544 45,730,376 288 1,389,316
75-79 76.6 2.7 74.6 821 4,177,352 21,886 114,373,387 1,071 5,601,653
80-84 83.6 1.7 72.9 2,455 10,450,347 37,559 184,244,298 2,936 14,340,461
85-89 90.7 1.4 81.6 4,421 18,174,618 40,764 186,412,123 4,876 22,266,124
90+ 108.0 1.3 96.3 6,799 24,202,355 33,695 136,853,956 6,298 25,133,785
Total 94.9 0.8 84.0 14,821 58,294,209 155,501 725,543,287 15,611 69,365,613
GRAND TOTAL 92.8 0.7 74.9 15,602 69,777,409 181,820 1,153,809,439 16,810 93,114,433

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.4     MALE EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.6 4.4 41.0 169 1,266,486 10,982 97,363,201 293 3,092,034
2 63.9 4.6 44.4 196 1,396,113 10,785 93,702,232 307 3,142,797
3 74.1 4.8 54.6 241 1,703,741 10,590 87,526,940 325 3,122,617
4 78.6 4.8 59.4 265 1,767,825 10,425 81,661,448 337 2,977,608
5 83.0 4.9 82.9 293 2,371,997 10,500 79,048,493 353 2,860,758
6 75.9 4.4 62.8 298 1,673,769 11,215 75,682,909 393 2,663,323
7 84.3 4.3 69.3 378 1,781,840 12,275 73,886,460 449 2,571,254
8 78.8 3.9 61.4 402 1,652,050 13,463 75,250,786 510 2,689,121
9 90.1 3.9 82.5 530 2,493,131 14,863 80,108,397 589 3,022,190
10 86.7 3.6 83.7 571 2,426,467 15,979 79,154,005 658 2,900,621
Total 79.3 1.4 63.8 3,343 18,533,419 121,077 823,384,871 4,213 29,042,324
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 50 986,605 0 412
5-9 0.0 0.0 0.0 0 0 216 13,029,978 0 6,036
10-14 605.8 605.8 962.4 1 44,864 313 8,857,072 0 4,662
15-19 917.6 648.8 1172.3 2 55,685 345 7,513,199 0 4,750
20-24 0.0 0.0 0.0 0 0 744 22,483,395 1 17,515
25-29 429.1 247.7 97.8 3 17,391 752 19,026,933 1 17,782
30-34 126.2 126.2 41.7 1 9,201 628 17,853,990 1 22,046
35-39 189.7 109.5 69.6 3 21,745 757 15,635,066 2 31,222
40-44 247.5 82.5 225.5 9 116,428 1,055 15,729,545 4 51,630
45-49 113.3 35.8 90.5 10 72,818 1,576 14,859,048 9 80,422
50-54 188.6 28.1 214.3 45 391,547 2,959 23,808,834 24 182,752
55-59 128.1 10.5 128.9 148 818,232 9,879 56,890,758 116 635,011
60-64 80.4 4.7 72.9 290 1,357,754 19,438 105,801,986 361 1,861,605
65-69 80.2 2.4 72.9 1,111 4,311,106 48,490 210,940,974 1,385 5,915,597
70-74 75.6 3.0 55.8 651 3,030,761 18,609 122,160,002 861 5,435,238
75-79 70.4 3.5 45.1 400 2,818,231 7,838 93,718,631 568 6,253,310
80-84 71.4 3.7 57.6 375 2,942,956 5,119 51,929,797 525 5,109,272
85-89 80.1 5.4 64.7 220 1,667,646 1,919 17,968,724 275 2,576,357
90-94 87.4 10.8 98.0 65 694,209 359 3,668,442 74 708,545
95-99 121.2 40.4 127.1 9 162,845 30 521,892 7 128,158
100+ 0 0 0 0 0 0
Total 79.3 1.4 63.8 3,343 18,533,419 121,077 823,384,871 4,213 29,042,324
Ultimate Experience By Attained Age
5-59 140.4 15.8 200.3 79 1,216,384 11,723 171,709,746 56 607,386
60-64 110.2 12.1 113.9 83 560,492 6,756 44,347,690 75 491,993
65-69 90.5 5.8 96.5 240 1,454,474 14,586 83,256,645 265 1,506,587
70-74 78.9 2.8 69.9 806 3,434,564 33,803 163,150,671 1,021 4,913,159
75-79 81.7 1.4 75.0 3,186 11,923,737 80,290 328,237,960 3,898 15,898,934
80-84 89.8 1.0 82.3 7,579 26,649,591 108,887 419,034,007 8,440 32,394,781
85-89 96.1 0.9 93.3 10,783 36,502,443 94,496 330,814,116 11,217 39,126,587
90+ 108.6 1.1 102.9 10,666 31,484,080 54,566 171,612,195 9,819 30,593,748
Total 96.1 0.5 90.2 33,422 113,225,765 405,107 1,712,163,029 34,792 125,533,175
GRAND TOTAL 94.3 0.5 85.2 36,765 131,759,184 526,184 2,535,547,900 39,005 154,575,499

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.5     FEMALE EXPERIENCE--SINGLE LIFE--NO REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 28.2 6.2 13.2 21 220,103 3,039 54,669,233 74 1,667,235
2 48.3 6.9 25.9 49 511,854 3,327 56,163,694 101 1,975,862
3 53.6 6.9 36.8 60 797,096 3,317 55,515,384 112 2,165,718
4 60.4 7.0 52.9 74 1,260,386 3,375 55,733,211 122 2,383,300
5 54.9 6.4 30.0 73 727,897 3,396 51,039,452 133 2,423,700
6 54.9 5.8 52.7 90 1,495,116 3,743 53,068,575 164 2,835,321
7 69.9 6.0 35.9 134 1,067,605 4,000 51,327,979 192 2,971,399
8 63.7 5.5 47.9 133 1,448,691 4,172 48,813,651 209 3,021,300
9 78.4 5.8 46.7 183 1,492,705 4,333 48,400,849 234 3,193,532
10 74.2 5.4 59.3 191 1,917,674 4,644 46,051,943 257 3,235,342
Total 63.1 2.0 42.3 1,008 10,939,127 37,346 520,783,972 1,598 25,872,708
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 700 0 0
5-9 0.0 0.0 0.0 0 0 7 192,110 0 39
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 21 422,452 0 131
20-24 0.0 0.0 0.0 0 0 42 3,681,411 0 1,662
25-29 0.0 0.0 0.0 0 0 66 1,768,235 0 924
30-34 0.0 0.0 0.0 0 0 74 3,348,215 0 2,242
35-39 0.0 0.0 0.0 0 0 89 933,074 0 964
40-44 777.5 549.8 613.1 2 15,148 155 1,556,085 0 2,471
45-49 451.5 201.9 316.8 5 48,537 421 6,217,251 1 15,323
50-54 154.2 77.1 131.0 4 29,657 624 5,786,395 3 22,633
55-59 152.6 34.1 314.8 20 302,827 2,041 15,196,510 13 96,194
60-64 92.0 15.3 56.4 36 178,913 3,751 31,954,239 39 317,402
65-69 73.7 7.6 45.1 94 429,945 7,440 57,957,285 128 952,312
70-74 61.0 5.1 35.6 141 987,352 7,583 100,153,617 231 2,775,726
75-79 57.1 3.8 43.7 221 3,095,128 7,295 140,517,021 387 7,075,621
80-84 56.7 3.3 33.3 299 3,544,438 5,896 123,961,974 527 10,655,439
85-89 71.0 5.8 53.1 150 1,455,801 1,532 20,728,972 211 2,741,767
90-94 61.3 11.4 69.2 29 798,089 260 6,173,452 47 1,153,859
95-99 68.2 25.8 91.9 7 53,292 40 234,974 10 57,999
100+ 0 0 0 0 0 0
Total 63.1 2.0 42.3 1,008 10,939,127 37,346 520,783,972 1,598 25,872,708
Ultimate Experience By Attained Age
5-59 226.8 62.9 318.5 13 113,873 2,058 15,529,374 6 35,755
60-64 157.2 40.6 170.4 15 81,850 1,537 7,805,827 10 48,032
65-69 89.2 15.8 120.1 32 187,968 3,459 15,132,785 36 156,540
70-74 92.1 7.8 86.9 139 591,716 8,999 40,583,774 151 681,196
75-79 90.6 3.6 81.2 627 2,350,929 23,025 96,756,302 692 2,895,556
80-84 86.6 1.8 81.3 2,320 8,329,913 50,339 193,380,250 2,679 10,247,216
85-89 89.5 1.2 81.7 5,404 18,167,509 65,653 242,373,259 6,039 22,234,595
90+ 97.8 1.0 95.9 10,102 34,933,237 61,232 219,979,320 10,330 36,425,374
Total 93.5 0.7 89.0 18,652 64,756,995 216,302 831,540,892 19,941 72,724,264
GRAND TOTAL 91.3 0.7 76.8 19,660 75,696,122 253,648 1,352,324,864 21,540 98,596,972

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 3.6     FEMALE EXPERIENCE--SINGLE LIFE--REFUND
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.6 3.7 46.5 161 1,635,924 15,128 123,985,020 346 3,517,898
2 57.3 3.9 58.2 212 2,104,037 14,822 120,240,820 370 3,614,526
3 64.2 4.0 56.6 257 2,008,890 14,630 109,956,634 400 3,547,352
4 76.6 4.3 70.5 320 2,534,712 14,186 102,385,163 418 3,593,657
5 79.1 4.2 83.8 351 3,049,212 14,329 100,642,175 444 3,639,687
6 80.0 4.1 77.2 385 2,728,413 15,094 95,965,413 481 3,534,106
7 84.2 4.0 71.3 445 2,527,199 16,170 95,954,521 528 3,542,589
8 88.3 3.9 96.1 520 3,582,163 17,586 99,132,921 589 3,728,654
9 82.5 3.6 70.1 530 2,555,601 18,782 98,245,502 642 3,643,861
10 89.1 3.6 88.8 620 3,088,523 19,600 94,825,384 696 3,477,994
Total 77.4 1.3 72.0 3,801 25,814,674 160,329 1,041,333,554 4,913 35,840,323
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 11 287,506 0 46
5-9 10115.2 5840.0 17487.0 3 208,254 163 6,651,598 0 1,191
10-14 0.0 0.0 0.0 0 0 181 7,842,633 0 1,941
15-19 0.0 0.0 0.0 0 0 321 11,440,708 0 3,933
20-24 0.0 0.0 0.0 0 0 527 11,317,745 0 4,826
25-29 0.0 0.0 0.0 0 0 535 12,029,137 0 6,448
30-34 0.0 0.0 0.0 0 0 456 12,324,771 0 8,479
35-39 650.4 290.9 605.3 5 64,689 729 10,559,068 1 10,688
40-44 223.4 111.7 222.4 4 46,735 1,080 12,625,525 2 21,011
45-49 250.1 69.4 354.2 13 138,969 1,936 15,259,130 5 39,230
50-54 188.2 33.3 203.3 32 251,593 4,125 31,333,234 17 123,779
55-59 118.6 12.1 89.6 96 382,595 12,765 69,028,239 81 427,027
60-64 93.8 6.4 77.8 215 910,029 22,159 118,327,648 229 1,169,218
65-69 85.4 3.4 82.8 633 2,545,397 43,590 186,591,627 741 3,074,462
70-74 75.5 2.9 61.0 684 2,959,425 30,533 170,698,934 906 4,849,638
75-79 69.0 2.6 66.3 729 5,424,775 20,810 171,722,698 1,057 8,180,888
80-84 73.3 2.5 66.6 878 7,031,601 15,157 136,264,323 1,197 10,555,156
85-89 75.4 3.7 75.2 426 4,300,376 4,655 48,380,342 565 5,721,088
90-94 72.2 8.4 88.2 74 1,254,928 561 7,744,480 102 1,422,563
95-99 95.8 33.9 127.6 8 270,016 35 878,914 8 211,597
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 77.4 1.3 72.0 3,801 25,814,674 160,329 1,041,333,554 4,913 35,840,323
Ultimate Experience By Attained Age
5-59 197.5 27.9 291.2 50 893,257 10,356 154,387,049 25 306,755
60-64 149.4 19.3 124.6 60 358,736 6,460 46,890,661 40 288,025
65-69 102.4 8.3 153.4 151 1,123,134 14,302 71,718,779 148 732,009
70-74 100.5 4.3 101.6 556 2,289,440 33,112 135,160,903 553 2,252,691
75-79 88.8 2.0 86.4 2,043 7,192,257 77,427 281,242,076 2,301 8,326,986
80-84 85.1 1.1 82.2 6,025 18,832,285 134,553 437,476,641 7,080 22,912,793
85-89 88.5 0.8 87.5 10,865 32,149,493 135,366 406,876,916 12,277 36,758,600
90+ 93.8 0.8 92.8 13,082 36,581,392 87,281 246,429,878 13,950 39,419,012
Total 90.3 0.5 89.6 32,832 99,419,994 498,856 1,780,182,901 36,374 110,996,870
GRAND TOTAL 88.7 0.5 85.3 36,633 125,234,668 659,186 2,821,516,456 41,288 146,837,194

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.1     TOTAL EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 47.2 2.7 44.8 301 2,650,720 26,353 221,961,521 637 5,914,606
2 58.2 2.9 53.0 396 3,355,217 26,197 216,780,001 680 6,335,324
3 61.4 2.9 64.3 439 4,181,258 25,212 202,684,153 715 6,505,614
4 58.7 2.8 58.4 431 3,733,806 24,189 185,639,093 734 6,388,278
5 66.6 2.9 58.6 517 3,786,212 24,067 175,418,149 776 6,460,326
6 68.9 2.8 82.3 591 5,553,851 25,318 171,257,243 858 6,749,442
7 72.3 2.8 61.4 689 4,266,417 27,332 171,757,251 953 6,948,535
8 71.1 2.6 63.7 760 4,704,011 30,290 182,540,235 1,069 7,382,764
9 73.5 2.5 68.6 861 5,363,503 32,411 190,324,004 1,172 7,814,835
10 73.1 2.4 64.5 919 5,001,492 33,870 191,100,662 1,257 7,758,324
Total 66.7 0.9 62.4 5,904 42,596,486 275,240 1,909,462,310 8,854 68,258,049
Select Experience By Issue Age
0-4 521635.0 521635.0 -219187.2 1 34,793 1 -23,769 0 -16
5-9 5169.4 5169.4 4080.3 1 79,927 54 4,871,958 0 1,959
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 16 736,955 0 380
25-29 0.0 0.0 0.0 0 0 34 230,235 0 133
30-34 0.0 0.0 0.0 0 0 181 4,963,302 0 4,041
35-39 720.9 360.4 153.8 4 8,323 395 3,934,316 1 5,412
40-44 487.2 172.3 6280.6 8 778,935 767 5,975,304 2 12,402
45-49 35.3 20.4 89.9 3 51,315 2,468 16,921,106 9 57,088
50-54 101.4 16.0 81.7 40 198,835 7,686 49,178,684 39 243,359
55-59 82.1 6.0 71.6 184 981,862 26,726 167,302,390 224 1,371,019
60-64 66.2 3.0 49.8 500 2,260,898 54,931 338,533,032 756 4,540,527
65-69 71.6 1.9 67.1 1,412 7,499,808 82,449 484,561,685 1,971 11,175,450
70-74 62.8 1.8 55.1 1,189 7,501,172 48,755 359,463,140 1,894 13,608,795
75-79 59.9 1.8 55.3 1,127 8,825,503 30,497 261,063,889 1,881 15,960,652
80-84 68.4 2.1 66.6 1,013 10,466,608 16,150 172,939,553 1,482 15,725,831
85-89 71.2 3.8 70.6 354 3,235,103 3,620 33,647,422 497 4,580,363
90-94 63.7 8.2 65.7 60 594,787 494 4,870,416 94 905,114
95-99 179.0 63.3 119.6 8 78,618 19 293,371 4 65,708
100+ 0.0 0.0 0.0 0 0 -1 -678 0 -169
Total 66.7 0.9 62.4 5,904 42,596,486 275,240 1,909,462,310 8,854 68,258,049
Ultimate Experience By Attained Age
5-59 123.1 25.7 193.7 23 259,204 4,511 35,635,409 19 133,791
60-64 115.2 13.7 97.5 71 368,390 8,233 50,702,068 62 377,693
65-69 84.1 5.0 77.2 281 1,599,396 26,047 160,768,955 334 2,070,802
70-74 70.4 2.1 71.5 1,084 6,654,422 70,616 421,232,139 1,540 9,303,617
75-79 73.8 1.1 71.1 4,255 22,091,564 150,254 806,247,672 5,764 31,061,121
80-84 75.3 0.8 73.3 9,556 45,327,176 195,271 950,825,617 12,691 61,864,166
85-89 80.2 0.7 80.5 12,038 53,128,947 141,675 622,715,437 15,012 65,979,007
90+ 86.5 0.9 89.0 8,388 35,197,170 57,836 236,249,505 9,700 39,527,428
Total 79.1 0.4 78.3 35,696 164,626,269 654,444 3,284,376,802 45,122 210,317,625
GRAND TOTAL 77.1 0.4 74.4 41,600 207,222,756 929,684 5,193,839,112 53,976 278,575,674

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.2     TOTAL EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 86.0 49.6 100.0 3 35,659 118 1,013,175 3 35,653
2 88.8 24.6 70.8 13 100,637 428 3,547,203 15 142,145
3 51.1 12.8 67.1 16 214,673 795 6,583,965 31 319,765
4 91.5 13.1 67.6 49 336,878 1,242 9,756,629 54 498,322
5 85.6 10.5 82.8 66 532,716 1,701 11,791,490 77 643,632
6 109.5 10.1 104.9 118 844,120 2,303 14,297,407 108 804,914
7 94.5 8.1 101.4 137 1,075,134 3,049 18,403,823 145 1,060,152
8 99.8 7.3 87.1 186 1,059,538 3,954 21,777,337 186 1,217,091
9 92.5 6.3 94.9 216 1,362,853 4,966 25,992,718 233 1,435,357
10 105.7 6.2 147.0 295 2,524,968 5,979 30,937,862 279 1,717,909
Total 97.1 2.9 102.7 1,099 8,087,176 24,535 144,101,608 1,132 7,874,941
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 5 25,305 0 9
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 2 4,507 0 3
30-34 0.0 0.0 0.0 0 0 7 441,356 0 326
35-39 0.0 0.0 0.0 0 0 10 19,166 0 26
40-44 0.0 0.0 0.0 0 0 69 409,444 0 811
45-49 158.2 158.2 56.3 1 2,377 194 1,189,520 1 4,222
50-54 115.3 66.6 81.2 3 9,918 539 2,608,870 3 12,207
55-59 157.3 35.2 155.9 20 102,552 1,446 7,424,234 13 65,769
60-64 117.9 15.1 95.5 61 231,201 3,601 17,349,332 52 242,013
65-69 98.5 8.0 75.4 151 521,936 6,116 27,933,176 153 692,576
70-74 97.8 6.9 107.4 200 1,226,270 4,908 27,537,019 205 1,141,709
75-79 96.9 5.8 137.4 280 2,755,019 4,190 29,024,091 289 2,005,537
80-84 93.9 5.7 84.6 274 1,977,169 2,732 22,536,896 292 2,337,222
85-89 79.8 8.9 92.4 80 895,126 612 6,046,460 100 969,222
90-94 125.8 24.7 94.5 26 343,049 89 1,418,787 21 363,056
95-99 51.4 36.3 53.8 2 21,043 13 131,931 4 39,116
100+ 135.7 135.7 135.7 1 1,516 1 1,516 1 1,117
Total 97.1 2.9 102.7 1,099 8,087,176 24,535 144,101,608 1,132 7,874,941
Ultimate Experience By Attained Age
5-59 296.5 98.8 160.1 9 40,421 821 7,436,305 3 25,247
60-64 122.2 31.5 161.8 15 123,616 1,860 11,523,129 12 76,387
65-69 143.7 15.5 136.5 86 447,731 5,364 29,138,976 60 327,904
70-74 111.6 5.8 107.2 364 1,816,708 17,440 90,074,798 326 1,694,271
75-79 92.6 2.3 84.7 1,599 6,891,078 51,643 242,010,063 1,727 8,131,825
80-84 90.8 1.2 86.6 5,765 23,823,660 108,951 470,628,169 6,349 27,506,496
85-89 94.4 0.9 90.8 11,788 46,242,721 127,628 520,524,039 12,489 50,931,858
90+ 101.0 0.8 100.8 14,361 55,386,272 85,841 333,981,463 14,218 54,945,677
Total 96.6 0.5 93.8 33,987 134,772,207 399,549 1,705,316,942 35,185 143,639,665
GRAND TOTAL 96.6 0.5 94.3 35,086 142,859,383 424,084 1,849,418,550 36,317 151,514,606

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.3     MALE EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 51.8 3.5 48.5 222 1,920,427 13,188 111,662,815 428 3,956,337
2 60.8 3.7 58.3 274 2,421,412 12,892 107,283,700 451 4,156,170
3 59.9 3.5 65.2 285 2,793,904 12,566 101,582,888 476 4,283,676
4 60.6 3.5 60.9 296 2,560,162 12,088 93,490,222 489 4,206,229
5 70.1 3.7 64.4 361 2,726,893 12,042 88,399,772 515 4,235,725
6 74.3 3.6 106.0 422 4,676,900 12,661 86,549,060 568 4,411,651
7 76.6 3.5 67.1 482 2,997,052 13,674 85,453,454 630 4,463,863
8 75.8 3.3 69.0 536 3,301,521 15,172 91,744,638 707 4,787,786
9 75.5 3.1 72.4 585 3,676,643 16,206 95,643,893 774 5,076,023
10 76.6 3.0 72.1 636 3,654,141 16,932 96,319,756 830 5,066,457
Total 69.8 1.1 68.8 4,099 30,729,055 137,422 958,130,197 5,868 44,643,917
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 0 -56,376 0 -22
5-9 6289.4 6289.4 4528.0 1 79,927 35 3,844,811 0 1,765
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 10 245,379 0 167
25-29 0.0 0.0 0.0 0 0 4 17,087 0 15
30-34 0.0 0.0 0.0 0 0 60 1,021,647 0 1,273
35-39 1006.0 580.8 262.7 3 6,756 144 1,261,814 0 2,571
40-44 428.4 247.3 19040.8 3 768,509 189 1,107,414 1 4,036
45-49 31.3 31.3 1.5 1 359 546 4,635,642 3 24,560
50-54 86.9 25.1 61.6 12 51,797 1,676 10,481,781 14 84,049
55-59 92.3 9.3 77.2 99 541,542 9,060 61,606,900 107 701,102
60-64 69.6 4.1 55.6 287 1,446,169 21,933 144,583,276 412 2,601,085
65-69 75.0 2.3 74.0 1,039 5,623,895 47,663 265,441,139 1,386 7,600,557
70-74 67.5 2.3 56.2 849 5,137,391 26,619 197,441,673 1,258 9,147,070
75-79 63.1 2.3 62.4 772 6,419,030 16,662 140,720,789 1,224 10,286,155
80-84 69.7 2.6 77.5 712 7,894,499 9,915 99,038,408 1,022 10,188,261
85-89 72.1 4.4 66.8 265 2,223,073 2,546 23,282,403 368 3,326,451
90-94 71.5 10.1 76.7 50 499,814 348 3,354,878 70 651,586
95-99 208.2 85.0 156.2 6 36,294 12 101,532 3 23,234
100+ 0 0 0 0 0 0
Total 69.8 1.1 68.8 4,099 30,729,055 137,422 958,130,197 5,868 44,643,917
Ultimate Experience By Attained Age
5-59 151.6 45.7 356.8 11 189,280 1,115 10,184,851 7 53,055
60-64 163.5 27.6 148.0 35 185,804 1,892 11,076,925 21 125,513
65-69 91.2 8.0 75.1 131 681,664 7,746 48,891,907 144 908,209
70-74 68.8 2.9 75.8 550 3,846,835 26,195 166,360,273 799 5,073,242
75-79 77.6 1.5 73.4 2,646 13,841,658 70,013 388,311,922 3,410 18,853,705
80-84 80.2 1.0 76.8 6,278 29,975,364 101,012 505,550,483 7,830 39,006,701
85-89 84.8 0.9 85.0 8,343 37,397,669 83,254 373,158,857 9,843 44,020,366
90+ 90.7 1.2 91.8 6,134 25,617,229 38,439 159,650,862 6,764 27,919,724
Total 83.7 0.5 82.2 24,128 111,735,503 329,666 1,663,186,082 28,819 135,960,514
GRAND TOTAL 81.4 0.5 78.9 28,227 142,464,558 467,088 2,621,316,279 34,687 180,604,431

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.4     MALE EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 60.4 60.4 151.4 1 24,036 29 234,793 2 15,879
2 105.7 39.9 93.0 7 49,008 113 845,575 7 52,686
3 42.2 17.2 57.4 6 80,209 227 1,804,878 14 139,715
4 68.9 17.2 49.5 16 107,923 354 2,733,815 23 217,831
5 85.0 16.1 88.7 28 253,042 474 3,488,090 33 285,382
6 119.6 16.1 92.1 55 327,284 648 4,149,703 46 355,167
7 114.1 13.9 139.7 67 635,977 835 5,264,713 59 455,237
8 95.9 11.5 62.8 69 315,777 1,036 5,936,443 72 503,049
9 101.8 10.7 111.0 91 640,181 1,315 7,033,032 89 576,775
10 134.1 11.4 229.8 139 1,635,900 1,552 8,876,141 104 711,925
Total 106.8 4.9 122.8 479 4,069,337 6,582 40,367,184 448 3,313,646
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 1 437 0 1
45-49 0.0 0.0 0.0 0 0 8 168,048 0 1,097
50-54 0.0 0.0 0.0 0 0 35 178,897 0 1,373
55-59 112.2 56.1 69.3 4 15,178 274 1,745,465 4 21,912
60-64 94.7 25.3 73.1 14 47,280 642 2,715,678 15 64,710
65-69 104.8 12.7 71.2 68 215,077 1,833 8,514,501 65 302,106
70-74 100.0 11.4 136.2 77 592,530 1,345 7,705,053 77 434,947
75-79 128.3 11.3 228.4 128 1,636,099 1,117 7,804,980 100 716,419
80-84 111.4 9.6 98.7 134 846,770 977 6,996,624 120 857,712
85-89 80.7 12.6 87.5 41 508,134 286 3,340,776 51 580,821
90-94 84.2 25.4 63.8 11 187,226 51 1,064,795 13 293,431
95-99 51.4 36.3 53.8 2 21,043 13 131,931 4 39,116
100+ 0 0 0 0 0 0
Total 106.8 4.9 122.8 479 4,069,337 6,582 40,367,184 448 3,313,646
Ultimate Experience By Attained Age
5-59 432.0 305.5 289.8 2 9,176 85 554,518 0 3,166
60-64 82.4 82.4 49.6 1 4,707 108 832,605 1 9,492
65-69 157.8 42.2 150.3 14 83,185 477 2,972,401 9 55,361
70-74 117.9 13.1 107.5 81 419,549 2,223 12,658,600 69 390,383
75-79 110.3 5.0 100.5 491 2,247,109 8,967 45,116,406 445 2,236,411
80-84 108.1 2.5 108.9 1,881 8,651,256 21,963 100,946,919 1,739 7,943,268
85-89 110.2 1.7 105.3 4,024 16,085,637 30,395 127,149,307 3,652 15,271,925
90+ 117.4 1.6 119.0 5,311 21,472,575 24,732 99,304,038 4,524 18,047,466
Total 113.1 1.0 111.4 11,805 48,973,194 88,949 389,534,794 10,440 43,957,471
GRAND TOTAL 112.8 1.0 112.2 12,284 53,042,531 95,531 429,901,978 10,889 47,271,117

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.5     FEMALE EXPERIENCE--JOINT, BOTH ALIVE
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 37.8 4.3 37.3 79 730,293 13,165 110,298,705 209 1,958,269
2 53.1 4.8 42.9 122 933,805 13,305 109,496,301 230 2,179,154
3 64.4 5.2 62.4 154 1,387,354 12,646 101,101,265 239 2,221,938
4 54.9 4.7 53.8 135 1,173,644 12,101 92,148,871 246 2,182,049
5 59.7 4.8 47.6 156 1,059,319 12,024 87,018,377 261 2,224,600
6 58.3 4.5 37.5 169 876,951 12,657 84,708,182 290 2,337,791
7 64.0 4.4 51.1 207 1,269,365 13,659 86,303,797 324 2,484,672
8 61.9 4.1 54.0 224 1,402,490 15,118 90,795,598 362 2,594,978
9 69.4 4.2 61.6 276 1,686,860 16,205 94,680,111 398 2,738,812
10 66.3 3.9 50.1 283 1,347,351 16,938 94,780,906 427 2,691,868
Total 60.5 1.4 50.3 1,805 11,867,432 137,818 951,332,113 2,985 23,614,132
Select Experience By Issue Age
0-4 599469.3 599469.3 599469.3 1 34,793 1 32,607 0 6
5-9 0.0 0.0 0.0 0 0 19 1,027,147 0 194
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 6 491,576 0 213
25-29 0.0 0.0 0.0 0 0 30 213,148 0 118
30-34 0.0 0.0 0.0 0 0 120 3,941,655 0 2,767
35-39 389.6 389.6 55.2 1 1,567 250 2,672,502 0 2,841
40-44 531.0 237.5 124.6 5 10,426 578 4,867,891 1 8,366
45-49 37.7 26.7 156.7 2 50,956 1,922 12,285,464 5 32,528
50-54 109.1 20.6 92.3 28 147,038 6,010 38,696,903 26 159,310
55-59 72.6 7.9 65.7 85 440,320 17,667 105,695,491 117 669,917
60-64 62.0 4.2 42.0 213 814,729 32,998 193,949,756 343 1,939,441
65-69 63.8 3.3 52.5 373 1,875,913 34,786 219,120,546 585 3,574,894
70-74 53.4 2.9 53.0 340 2,363,781 22,136 162,021,466 636 4,461,724
75-79 54.1 2.9 42.4 355 2,406,473 13,835 120,343,100 657 5,674,497
80-84 65.5 3.8 46.4 301 2,572,109 6,235 73,901,145 460 5,537,570
85-89 68.6 7.3 80.7 89 1,012,030 1,074 10,365,019 130 1,253,912
90-94 41.1 13.0 37.5 10 94,973 146 1,515,538 24 253,528
95-99 126.0 89.1 99.6 2 42,324 7 191,839 2 42,474
100+ 0.0 0.0 0.0 0 0 -1 -678 0 -169
Total 60.5 1.4 50.3 1,805 11,867,432 137,818 951,332,113 2,985 23,614,132
Ultimate Experience By Attained Age
5-59 105.0 30.3 86.6 12 69,924 3,396 25,450,558 11 80,736
60-64 89.5 14.9 72.4 36 182,586 6,341 39,625,143 40 252,181
65-69 78.8 6.4 78.9 150 917,732 18,302 111,877,048 190 1,162,593
70-74 72.1 3.1 66.4 534 2,807,587 44,422 254,871,866 741 4,230,376
75-79 68.4 1.7 67.6 1,609 8,249,906 80,241 417,935,750 2,354 12,207,417
80-84 67.4 1.2 67.2 3,278 15,351,812 94,260 445,275,134 4,862 22,857,465
85-89 71.5 1.2 71.6 3,695 15,731,278 58,420 249,556,580 5,169 21,958,642
90+ 76.8 1.6 82.5 2,254 9,579,941 19,397 76,598,643 2,936 11,607,704
Total 71.0 0.7 71.1 11,568 52,890,766 324,778 1,621,190,721 16,303 74,357,111
GRAND TOTAL 69.3 0.6 66.1 13,373 64,758,198 462,596 2,572,522,833 19,288 97,971,243

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 4.6     FEMALE EXPERIENCE--JOINT, ONE SURVIVING
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 109.1 77.2 58.8 2 11,623 89 778,383 2 19,774
2 74.9 30.6 57.7 6 51,629 315 2,701,628 8 89,460
3 58.5 18.5 74.7 10 134,464 569 4,779,087 17 180,051
4 108.9 19.0 81.6 33 228,955 887 7,022,814 30 280,491
5 86.0 14.0 78.1 38 279,674 1,228 8,303,399 44 358,251
6 102.0 12.9 114.9 63 516,836 1,655 10,147,703 62 449,747
7 81.1 9.7 72.6 70 439,157 2,214 13,139,109 86 604,915
8 102.3 9.5 104.2 117 743,761 2,918 15,840,894 114 714,042
9 86.8 7.8 84.2 125 722,672 3,651 18,959,686 144 858,581
10 88.9 7.1 88.4 156 889,068 4,427 22,061,720 176 1,005,984
Total 90.7 3.6 88.1 620 4,017,839 17,952 103,734,424 683 4,561,295
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 5 25,305 0 9
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 2 4,507 0 3
30-34 0.0 0.0 0.0 0 0 7 441,356 0 326
35-39 0.0 0.0 0.0 0 0 10 19,166 0 26
40-44 0.0 0.0 0.0 0 0 68 409,007 0 811
45-49 173.5 173.5 76.1 1 2,377 186 1,021,472 1 3,125
50-54 129.5 74.8 91.5 3 9,918 504 2,429,973 2 10,834
55-59 174.9 43.7 199.2 16 87,374 1,172 5,678,768 9 43,856
60-64 127.2 18.6 103.7 47 183,921 2,959 14,633,654 37 177,303
65-69 93.8 10.3 78.6 83 306,859 4,283 19,418,675 88 390,469
70-74 96.4 8.7 89.7 123 633,740 3,563 19,831,966 128 706,763
75-79 80.4 6.5 86.8 152 1,118,920 3,073 21,219,111 189 1,289,118
80-84 81.7 6.9 76.4 140 1,130,399 1,754 15,540,272 171 1,479,510
85-89 78.8 12.6 99.6 39 386,992 326 2,705,684 50 388,401
90-94 197.4 51.0 223.8 15 155,823 38 353,992 8 69,625
95-99 0 0 0 0 0 0
100+ 135.7 135.7 135.7 1 1,516 1 1,516 1 1,117
Total 90.7 3.6 88.1 620 4,017,839 17,952 103,734,424 683 4,561,295
Ultimate Experience By Attained Age
5-59 272.1 102.9 141.5 7 31,245 737 6,881,787 3 22,081
60-64 126.5 33.8 177.8 14 118,909 1,752 10,690,524 11 66,895
65-69 141.3 16.7 133.8 72 364,546 4,887 26,166,575 51 272,543
70-74 109.9 6.5 107.2 283 1,397,159 15,217 77,416,198 258 1,303,888
75-79 86.4 2.6 78.8 1,108 4,643,969 42,676 196,893,657 1,282 5,895,414
80-84 84.2 1.4 77.6 3,884 15,172,404 86,988 369,681,249 4,610 19,563,228
85-89 87.9 1.0 84.6 7,764 30,157,084 97,233 393,374,733 8,837 35,659,933
90+ 93.4 1.0 91.9 9,050 33,913,697 61,109 234,677,425 9,693 36,898,211
Total 89.6 0.6 86.1 22,182 85,799,013 310,600 1,315,782,148 24,744 99,682,194
GRAND TOTAL 89.7 0.6 86.2 22,802 89,816,852 328,552 1,419,516,572 25,428 104,243,489

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.1     TOTAL EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 45.6 9.1 39.1 25 13,875 3,124 1,916,908 55 35,505
2 72.1 10.7 66.8 45 27,135 3,204 1,976,478 62 40,610
3 95.1 11.6 101.7 67 47,142 3,342 2,098,914 70 46,358
4 87.5 10.4 86.5 71 46,135 3,542 2,229,306 81 53,324
5 92.9 9.8 91.8 90 57,511 3,921 2,441,025 97 62,646
6 79.5 7.9 80.8 102 65,906 4,883 2,993,798 128 81,557
7 95.8 7.6 90.0 157 93,559 5,871 3,612,718 164 103,996
8 88.4 6.6 88.0 180 113,730 6,886 4,256,570 204 129,209
9 91.1 6.0 91.6 227 143,720 7,854 4,858,276 249 156,970
10 83.6 5.2 84.0 258 162,591 8,997 5,571,775 308 193,629
Total 86.1 2.5 85.3 1,222 771,304 51,625 31,955,767 1,419 903,804
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 15 4,652 0 2
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 25 20,698 0 10
15-19 0.0 0.0 0.0 0 0 51 23,200 0 11
20-24 0.0 0.0 0.0 0 0 58 27,260 0 15
25-29 0.0 0.0 0.0 0 0 62 29,008 0 17
30-34 0.0 0.0 0.0 0 0 105 56,962 0 61
35-39 0.0 0.0 0.0 0 0 204 106,059 0 162
40-44 0.0 0.0 0.0 0 0 375 191,345 1 507
45-49 23.0 23.0 17.8 1 421 945 497,282 4 2,365
50-54 91.0 28.8 75.2 10 4,867 1,649 966,692 11 6,473
55-59 114.1 16.1 122.9 50 31,992 4,704 2,760,966 44 26,033
60-64 92.2 8.5 94.4 118 75,104 8,276 5,129,265 128 79,521
65-69 86.0 4.0 87.0 451 286,833 21,337 13,390,517 525 329,660
70-74 88.3 4.8 85.0 336 198,196 10,005 6,113,304 381 233,270
75-79 77.7 8.0 76.3 95 63,683 1,924 1,319,250 122 83,467
80-84 74.4 8.1 71.3 85 58,351 1,242 877,920 114 81,791
85-89 82.8 10.3 84.5 65 45,540 598 407,784 79 53,894
90-94 110.1 34.8 96.9 10 5,433 46 30,309 9 5,609
95-99 86.0 86.0 94.5 1 884 4 3,292 1 935
100+ 0 0 0 0 0 0
Total 86.1 2.5 85.3 1,222 771,304 51,625 31,955,767 1,419 903,804
Ultimate Experience By Attained Age
5-59 117.2 21.1 131.1 31 18,260 5,385 2,717,997 26 13,932
60-64 98.7 14.5 97.9 46 26,162 4,905 2,801,137 47 26,717
65-69 91.0 7.8 96.1 135 82,989 9,836 5,723,011 148 86,369
70-74 84.3 4.1 83.0 426 249,757 20,698 12,337,239 505 300,771
75-79 85.7 2.1 84.5 1,606 973,685 46,808 28,761,946 1,875 1,152,703
80-84 91.1 1.4 90.0 4,504 2,737,668 76,905 47,343,364 4,944 3,041,967
85-89 95.1 1.1 94.1 8,116 4,820,916 82,846 49,796,428 8,538 5,122,956
90+ 102.8 0.9 102.6 13,179 7,234,560 72,472 40,600,470 12,818 7,054,214
Total 97.0 0.6 96.1 28,043 16,143,997 319,855 190,081,591 28,901 16,799,629
GRAND TOTAL 96.5 0.6 95.5 29,265 16,915,301 371,480 222,037,358 30,320 17,703,433

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.2     TOTAL EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 52.8 4.3 50.6 152 402,049 13,312 35,778,242 288 794,731
2 63.1 4.4 60.3 206 539,018 13,441 35,789,406 327 893,823
3 69.3 4.4 69.2 253 683,621 13,547 35,776,526 365 988,393
4 80.8 4.5 80.9 319 861,307 13,508 35,411,148 395 1,064,273
5 73.3 4.1 73.2 318 846,746 13,803 35,841,439 434 1,157,522
6 74.2 3.8 74.0 372 980,866 14,936 38,448,527 501 1,326,298
7 86.8 3.9 86.2 503 1,307,510 16,425 41,922,567 579 1,516,916
8 86.7 3.6 85.2 575 1,467,557 18,024 45,682,187 663 1,722,513
9 86.8 3.4 84.4 649 1,619,037 19,449 48,846,046 747 1,917,285
10 88.0 3.2 91.2 745 1,955,249 21,035 52,337,612 847 2,144,353
Total 79.5 1.2 78.8 4,092 10,662,960 157,482 405,833,700 5,145 13,526,106
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 11 22,777 0 7
5-9 0.0 0.0 0.0 0 0 18 59,190 0 15
10-14 0.0 0.0 0.0 0 0 14 30,151 0 15
15-19 3057.9 3057.9 2165.4 1 1,877 63 171,826 0 87
20-24 0.0 0.0 0.0 0 0 107 316,357 0 184
25-29 1359.0 961.0 1693.9 2 5,820 191 460,359 0 344
30-34 0.0 0.0 0.0 0 0 195 454,102 0 484
35-39 428.0 247.1 461.1 3 8,447 419 1,130,578 1 1,832
40-44 330.3 134.8 270.3 6 13,328 717 1,951,922 2 4,931
45-49 257.7 68.9 268.2 14 36,513 1,411 3,552,498 5 13,613
50-54 228.7 35.7 218.5 41 100,503 3,138 8,115,636 18 46,001
55-59 140.0 11.5 137.1 149 368,928 12,316 31,270,307 106 269,178
60-64 94.4 5.3 96.5 317 819,422 23,626 60,339,457 336 849,465
65-69 80.2 2.5 80.7 1,040 2,526,666 56,765 138,070,096 1,296 3,130,708
70-74 76.3 2.7 74.3 790 2,040,020 28,798 76,716,661 1,035 2,746,263
75-79 69.0 2.7 68.2 636 1,758,431 15,838 44,742,365 921 2,579,752
80-84 76.1 2.9 75.8 702 1,963,457 10,367 29,339,131 922 2,591,798
85-89 81.7 4.5 82.9 332 860,588 3,020 7,816,940 407 1,038,645
90-94 56.5 8.2 56.5 47 126,144 421 1,154,500 83 223,332
95-99 100.0 28.9 111.4 12 32,816 48 118,847 12 29,452
100+ 0 0 0 0 0 0
Total 79.5 1.2 78.8 4,092 10,662,960 157,482 405,833,700 5,145 13,526,106
Ultimate Experience By Attained Age
5-59 113.6 16.2 116.4 49 122,236 9,332 23,465,277 43 104,981
60-64 120.5 14.0 123.7 74 180,696 7,038 16,850,761 61 146,065
65-69 87.2 6.1 90.6 204 507,746 16,696 40,214,620 234 560,658
70-74 89.0 3.0 92.9 863 2,179,204 42,241 102,530,483 970 2,346,789
75-79 84.5 1.4 83.5 3,542 8,282,243 108,058 256,458,106 4,191 9,915,953
80-84 88.2 0.9 88.2 10,232 24,147,784 183,423 433,292,879 11,600 27,384,904
85-89 91.2 0.7 91.1 17,521 40,636,088 188,700 438,231,628 19,210 44,617,959
90+ 100.5 0.7 100.3 20,956 47,391,161 124,424 282,579,081 20,853 47,256,468
Total 93.5 0.4 93.3 53,441 123,447,158 679,912 1,593,622,835 57,163 132,333,777
GRAND TOTAL 92.3 0.4 91.9 57,533 134,110,118 837,395 1,999,456,535 62,309 145,859,884

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.3     TOTAL EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 54.6 5.4 55.4 103 750,264 7,281 52,000,671 189 1,353,692
2 54.2 5.2 53.8 109 772,373 7,027 50,145,639 201 1,436,275
3 63.8 5.4 64.7 137 992,737 6,748 48,136,403 215 1,534,794
4 62.7 5.3 62.7 140 996,688 6,527 46,425,566 223 1,588,890
5 81.6 5.9 82.3 192 1,377,014 6,428 45,685,813 235 1,673,646
6 70.9 5.3 70.9 181 1,283,374 6,509 46,142,649 255 1,810,906
7 83.5 5.5 83.9 233 1,654,262 6,703 47,348,943 279 1,972,602
8 71.9 4.9 71.7 218 1,531,637 7,089 49,953,434 303 2,136,320
9 77.2 4.8 77.7 257 1,818,670 7,507 52,756,196 333 2,339,176
10 84.1 4.9 82.8 295 2,028,108 7,607 53,139,694 351 2,448,178
Total 72.2 1.7 72.2 1,865 13,205,127 69,425 491,735,009 2,584 18,294,479
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 51,504 0 21
5-9 10571.3 10571.3 11824.4 1 8,739 44 334,491 0 74
10-14 0.0 0.0 0.0 0 0 88 663,344 0 281
15-19 0.0 0.0 0.0 0 0 93 750,706 0 383
20-24 0.0 0.0 0.0 0 0 228 1,732,618 0 998
25-29 0.0 0.0 0.0 0 0 229 1,546,288 0 1,150
30-34 468.2 468.2 566.3 1 9,201 212 1,610,607 0 1,625
35-39 499.8 353.4 476.9 2 14,180 278 2,046,877 0 2,974
40-44 524.1 214.0 566.4 6 45,255 456 3,162,604 1 7,990
45-49 206.9 84.5 220.3 6 44,956 811 5,728,495 3 20,402
50-54 144.9 38.7 153.1 14 104,975 1,756 12,409,011 10 68,545
55-59 108.3 15.8 107.4 47 328,115 5,096 35,907,579 43 305,578
60-64 82.7 7.8 80.2 112 768,811 9,870 69,892,328 135 958,524
65-69 83.6 4.6 83.2 333 2,329,000 17,742 124,576,978 398 2,798,509
70-74 66.8 3.9 66.1 295 2,067,207 12,401 88,316,077 441 3,127,661
75-79 66.3 3.3 66.2 393 2,802,310 10,456 75,111,230 593 4,234,042
80-84 65.2 3.2 66.4 416 2,953,452 7,340 51,167,620 638 4,445,910
85-89 73.6 5.2 73.3 198 1,418,541 2,048 14,708,983 269 1,933,955
90-94 84.6 13.4 84.6 40 301,760 252 1,899,150 47 356,508
95-99 22.3 22.3 29.4 1 8,625 18 118,520 4 29,348
100+ 0 0 0 0 0 0
Total 72.2 1.7 72.2 1,865 13,205,127 69,425 491,735,009 2,584 18,294,479
Ultimate Experience By Attained Age
5-59 135.7 27.1 136.7 25 178,003 4,666 32,949,670 18 130,239
60-64 151.5 25.3 151.2 36 252,886 2,822 19,833,826 24 167,222
65-69 93.7 10.7 98.0 77 564,650 5,808 40,763,807 82 576,410
70-74 84.4 5.2 84.7 268 1,880,331 13,499 94,224,662 318 2,219,008
75-79 83.4 2.6 83.0 994 6,843,796 30,467 210,411,463 1,193 8,242,816
80-84 81.9 1.6 81.7 2,483 16,929,772 47,454 323,928,895 3,032 20,727,211
85-89 88.9 1.4 89.0 4,003 27,337,565 44,056 300,204,982 4,503 30,723,448
90+ 98.8 1.5 98.9 4,384 30,229,005 26,558 182,549,337 4,438 30,554,229
Total 90.2 0.8 90.2 12,270 84,216,008 175,329 1,204,866,642 13,607 93,340,583
GRAND TOTAL 87.3 0.7 87.3 14,135 97,421,135 244,754 1,696,601,650 16,192 111,635,062

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.4     TOTAL EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 39.0 3.9 27.3 100 2,205,513 7,859 235,435,697 256 8,064,569
2 49.9 4.3 39.9 135 3,407,894 7,619 229,796,363 271 8,543,765
3 58.0 4.6 54.6 159 4,580,405 7,188 211,204,434 274 8,392,522
4 67.4 5.0 50.6 183 4,294,420 6,716 200,108,299 272 8,488,923
5 71.0 5.1 59.9 190 5,014,738 6,440 189,926,489 268 8,378,789
6 71.2 5.1 58.7 194 4,829,172 6,249 179,008,789 272 8,222,450
7 59.5 4.6 43.3 166 3,480,291 6,128 170,027,244 279 8,032,706
8 66.8 4.8 60.6 192 4,852,558 6,143 162,967,163 287 8,003,070
9 68.9 4.8 57.7 208 4,680,551 6,231 159,298,981 302 8,111,315
10 77.4 5.1 63.5 227 4,785,487 5,965 146,470,615 293 7,541,676
Total 63.2 1.5 51.5 1,754 42,131,029 66,539 1,884,244,074 2,774 81,779,786
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 1,199,830 0 430
5-9 1726.9 1221.1 2779.6 2 199,515 324 19,480,005 0 7,178
10-14 603.6 603.6 688.6 1 44,864 390 16,426,460 0 6,515
15-19 396.0 396.0 597.3 1 53,808 515 19,401,937 0 9,008
20-24 0.0 0.0 0.0 0 0 979 37,756,208 1 24,733
25-29 366.0 211.3 1431.3 3 423,462 1,039 37,215,544 1 29,586
30-34 0.0 0.0 0.0 0 0 800 36,830,744 1 36,786
35-39 275.8 137.9 151.5 4 71,087 869 28,310,796 1 46,920
40-44 255.8 104.4 217.0 6 147,506 914 26,548,361 2 67,990
45-49 234.6 74.2 248.9 10 283,037 1,080 29,521,392 4 113,717
50-54 217.6 45.4 192.2 23 487,003 1,871 45,440,092 11 253,439
55-59 115.3 17.8 127.9 42 1,008,890 4,315 91,468,008 36 789,100
60-64 61.5 8.0 51.0 59 1,096,816 7,119 159,503,185 96 2,149,868
65-69 60.4 4.8 57.4 159 3,398,578 11,493 256,848,256 263 5,925,080
70-74 53.5 3.7 37.4 206 4,218,445 10,708 314,993,023 385 11,294,335
75-79 55.7 3.0 41.1 354 9,246,291 11,154 392,244,330 636 22,470,153
80-84 61.2 2.8 44.7 483 10,578,671 9,103 270,663,951 790 23,653,052
85-89 70.0 4.2 63.8 283 6,165,938 3,086 73,883,846 404 9,660,901
90-94 78.7 7.8 80.5 102 3,607,099 686 23,248,600 130 4,479,160
95-99 127.4 32.9 142.4 15 1,074,727 49 3,234,215 12 754,721
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 63.2 1.5 51.5 1,754 42,131,029 66,539 1,884,244,074 2,774 81,779,786
Ultimate Experience By Attained Age
5-59 211.8 27.8 239.6 58 1,984,304 9,442 307,341,417 27 828,217
60-64 119.6 22.6 107.9 28 678,765 2,722 72,284,539 23 628,891
65-69 103.0 12.3 121.7 70 1,871,758 4,640 103,761,639 68 1,537,653
70-74 72.2 5.7 64.5 159 2,817,678 9,020 175,533,339 220 4,369,795
75-79 76.0 3.3 71.2 535 9,544,551 17,293 324,978,210 704 13,411,657
80-84 74.4 2.2 71.1 1,160 20,446,912 23,557 429,570,060 1,558 28,741,170
85-89 84.9 2.0 80.7 1,833 32,199,494 20,677 378,243,377 2,159 39,921,543
90+ 93.1 2.0 90.7 2,130 42,346,338 13,320 269,146,461 2,287 46,707,008
Total 84.8 1.1 82.2 5,973 111,889,800 100,670 2,060,859,041 7,047 136,145,934
GRAND TOTAL 78.7 0.9 70.7 7,727 154,020,829 167,209 3,945,103,115 9,822 217,925,720

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.5     MALE EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 45.4 11.7 32.6 15 6,930 1,556 945,421 33 21,252
2 57.0 12.4 53.0 21 12,715 1,600 978,937 37 23,997
3 93.5 15.0 97.7 39 27,005 1,663 1,053,538 42 27,627
4 80.1 13.0 85.8 38 26,818 1,747 1,106,647 47 31,245
5 94.2 12.9 95.7 53 34,816 1,937 1,216,288 56 36,387
6 82.9 10.5 87.4 62 41,448 2,416 1,491,790 75 47,421
7 94.6 9.9 90.5 91 55,060 2,951 1,830,468 96 60,863
8 85.5 8.5 86.6 102 65,642 3,498 2,189,466 119 75,760
9 91.9 7.9 92.6 136 86,394 4,064 2,538,236 148 93,248
10 89.5 7.0 91.5 165 106,003 4,744 2,964,829 184 115,852
Total 86.2 3.2 86.7 722 462,831 26,177 16,315,619 838 533,652
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 3,952 0 2
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 24 20,191 0 10
15-19 0.0 0.0 0.0 0 0 28 14,168 0 8
20-24 0.0 0.0 0.0 0 0 41 16,639 0 11
25-29 0.0 0.0 0.0 0 0 20 6,548 0 6
30-34 0.0 0.0 0.0 0 0 62 33,223 0 45
35-39 0.0 0.0 0.0 0 0 105 50,587 0 106
40-44 0.0 0.0 0.0 0 0 172 82,159 1 332
45-49 0.0 0.0 0.0 0 0 554 305,394 3 1,865
50-54 90.1 34.0 80.5 7 3,688 904 525,126 8 4,580
55-59 126.6 21.4 132.7 35 21,801 2,209 1,299,713 28 16,434
60-64 93.3 10.4 96.6 80 51,758 4,364 2,710,674 86 53,561
65-69 84.2 4.9 86.4 299 195,384 11,996 7,642,325 355 226,023
70-74 92.9 6.8 93.1 188 115,653 4,166 2,550,732 202 124,166
75-79 70.8 10.9 64.7 42 26,092 759 518,669 59 40,338
80-84 71.5 12.4 68.3 33 22,578 431 308,225 46 33,052
85-89 72.1 12.9 76.5 31 22,854 306 212,041 43 29,865
90-94 109.6 44.7 83.7 6 2,139 25 12,600 5 2,555
95-99 127.5 127.5 127.5 1 884 3 2,652 1 693
100+ 0 0 0 0 0 0
Total 86.2 3.2 86.7 722 462,831 26,177 16,315,619 838 533,652
Ultimate Experience By Attained Age
5-59 103.5 22.1 114.6 22 12,931 3,530 1,817,722 21 11,281
60-64 101.2 16.6 99.4 37 20,894 3,285 1,885,930 37 21,019
65-69 88.7 9.0 90.6 97 57,786 6,049 3,530,945 109 63,778
70-74 84.3 4.8 84.1 303 179,358 11,983 7,096,183 360 213,226
75-79 80.2 2.5 79.2 1,000 607,161 25,745 15,820,630 1,247 766,686
80-84 91.5 1.8 90.7 2,509 1,531,979 35,287 21,744,401 2,742 1,688,375
85-89 98.1 1.6 97.1 3,994 2,367,528 34,094 20,444,228 4,070 2,437,556
90+ 109.4 1.5 109.6 5,694 3,136,435 27,670 15,421,443 5,203 2,860,906
Total 99.0 0.8 98.2 13,656 7,914,072 147,645 87,761,483 13,789 8,062,829
GRAND TOTAL 98.3 0.8 97.4 14,378 8,376,903 173,822 104,077,102 14,627 8,596,481

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.6     MALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 63.3 6.7 60.4 88 224,336 5,623 14,649,913 139 371,220
2 73.1 6.9 67.4 111 269,553 5,639 14,486,881 152 399,792
3 73.7 6.6 72.2 123 311,935 5,668 14,405,015 167 432,265
4 87.9 7.0 93.7 157 432,850 5,667 14,315,559 179 461,739
5 74.0 6.2 72.6 144 359,992 5,749 14,371,591 195 495,985
6 73.2 5.7 71.1 165 406,055 6,231 15,424,109 225 571,053
7 85.6 5.7 87.6 224 573,595 6,875 16,800,993 262 654,618
8 87.8 5.4 88.2 266 661,826 7,585 18,389,498 303 750,522
9 86.2 5.0 84.7 296 711,204 8,220 19,759,968 343 840,058
10 83.4 4.6 87.6 325 824,467 8,924 21,208,091 390 940,929
Total 80.7 1.9 80.7 1,899 4,775,813 66,180 163,811,618 2,354 5,918,181
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 13,401 0 6
5-9 0.0 0.0 0.0 0 0 9 13,401 0 6
10-14 0.0 0.0 0.0 0 0 12 26,861 0 14
15-19 3791.6 3791.6 2921.6 1 1,877 44 103,062 0 64
20-24 0.0 0.0 0.0 0 0 52 157,779 0 120
25-29 1860.8 1315.8 2610.9 2 5,820 119 242,125 0 223
30-34 0.0 0.0 0.0 0 0 116 276,731 0 343
35-39 451.8 319.4 408.1 2 4,435 190 471,543 0 1,087
40-44 337.7 168.8 336.9 4 10,831 334 915,366 1 3,215
45-49 225.7 85.3 260.6 7 19,970 550 1,372,724 3 7,664
50-54 247.0 49.4 241.7 25 61,947 1,256 3,205,474 10 25,634
55-59 138.5 15.1 142.2 84 216,111 5,170 13,009,933 61 151,929
60-64 88.7 6.6 92.0 179 462,981 10,807 27,086,464 202 503,286
65-69 78.8 3.1 79.7 656 1,560,541 29,348 68,880,603 832 1,956,990
70-74 72.1 3.9 67.0 345 832,094 10,281 26,806,809 478 1,242,654
75-79 73.8 4.9 72.4 229 616,608 4,182 11,534,354 310 851,762
80-84 75.4 5.2 79.9 210 604,217 2,594 7,094,074 278 756,598
85-89 94.2 8.4 99.1 125 302,032 903 2,078,556 133 304,831
90-94 62.8 12.3 63.1 26 66,343 191 496,654 41 105,210
95-99 127.0 63.5 152.8 4 10,006 12 25,706 3 6,547
100+ 0 0 0 0 0 0
Total 80.7 1.9 80.7 1,899 4,775,813 66,180 163,811,618 2,354 5,918,181
Ultimate Experience By Attained Age
5-59 94.2 17.2 95.0 30 73,256 5,333 13,291,040 32 77,076
60-64 102.8 16.1 107.9 41 100,241 3,584 8,343,816 40 92,872
65-69 89.1 7.9 90.3 126 300,494 7,762 18,261,907 141 332,906
70-74 78.6 3.7 81.8 462 1,150,708 19,400 46,397,730 588 1,407,115
75-79 83.0 1.8 81.8 2,068 4,773,177 51,126 119,693,584 2,492 5,836,805
80-84 90.8 1.2 90.1 5,412 12,694,808 76,593 181,153,155 5,957 14,084,410
85-89 94.2 1.0 94.0 8,144 19,009,664 72,611 169,969,111 8,643 20,218,410
90+ 109.8 1.2 109.3 8,925 20,266,086 45,103 103,226,190 8,128 18,548,066
Total 96.9 0.6 96.3 25,208 58,368,434 281,512 660,336,533 26,021 60,597,660
GRAND TOTAL 95.5 0.6 94.9 27,107 63,144,247 347,693 824,148,151 28,375 66,515,841

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.7     MALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.1 8.7 63.2 49 363,172 2,847 20,421,944 80 575,013
2 56.7 8.4 57.8 46 334,044 2,670 19,101,716 81 577,955
3 73.5 9.3 72.3 62 433,044 2,520 17,942,961 84 598,545
4 62.3 8.4 62.6 55 392,102 2,479 17,612,957 88 626,696
5 86.0 9.7 88.9 79 578,359 2,425 17,233,804 92 650,729
6 66.4 8.2 65.2 66 458,511 2,444 17,322,932 99 703,606
7 85.2 8.8 86.6 93 666,589 2,523 17,837,440 109 770,114
8 64.1 7.3 63.8 77 540,144 2,696 19,015,356 120 846,438
9 72.4 7.4 74.2 97 701,864 2,882 20,299,737 134 946,235
10 87.3 7.8 84.9 125 852,626 2,989 20,943,686 143 1,004,589
Total 72.6 2.7 72.9 749 5,320,455 26,475 187,732,534 1,032 7,299,921
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 51,504 0 21
5-9 0.0 0.0 0.0 0 0 6 49,569 0 22
10-14 0.0 0.0 0.0 0 0 59 451,112 0 233
15-19 0.0 0.0 0.0 0 0 50 424,991 0 271
20-24 0.0 0.0 0.0 0 0 111 811,419 0 614
25-29 0.0 0.0 0.0 0 0 116 784,172 0 736
30-34 742.9 742.9 912.8 1 9,201 104 774,954 0 1,008
35-39 428.4 428.4 404.7 1 7,280 122 943,697 0 1,799
40-44 519.1 259.5 549.0 4 30,107 232 1,664,398 1 5,484
45-49 140.1 99.1 193.8 2 18,954 275 1,876,960 1 9,778
50-54 77.7 38.8 89.7 4 32,890 649 4,604,794 5 36,686
55-59 113.9 21.2 114.9 29 205,856 2,222 15,658,486 25 179,098
60-64 66.7 9.2 64.8 53 365,226 4,365 30,969,631 79 563,509
65-69 78.2 5.6 77.2 193 1,344,154 8,677 61,360,179 247 1,741,648
70-74 73.1 5.9 72.4 153 1,074,288 4,561 32,477,108 209 1,484,146
75-79 64.1 5.7 64.6 126 904,561 2,676 19,064,374 197 1,399,782
80-84 65.2 6.1 68.1 115 843,525 1,672 11,718,812 176 1,239,535
85-89 71.8 10.1 72.7 51 364,615 478 3,390,485 71 501,234
90-94 89.8 22.5 88.1 16 111,173 88 621,391 18 126,175
95-99 105.9 105.9 105.9 1 8,625 4 34,500 1 8,142
100+ 0 0 0 0 0 0
Total 72.6 2.7 72.9 749 5,320,455 26,475 187,732,534 1,032 7,299,921
Ultimate Experience By Attained Age
5-59 143.1 33.7 145.6 18 130,854 2,450 17,625,179 13 89,891
60-64 105.6 27.3 109.4 15 109,808 1,277 9,026,346 14 100,407
65-69 78.2 12.4 78.8 40 282,804 2,803 19,687,387 51 359,086
70-74 77.1 6.1 77.0 158 1,104,430 6,762 47,305,017 205 1,434,512
75-79 80.3 3.3 80.2 591 4,096,974 15,117 104,960,486 736 5,111,319
80-84 81.8 2.2 81.7 1,366 9,392,421 21,526 148,240,025 1,669 11,492,425
85-89 92.8 2.1 92.7 2,006 13,798,359 18,261 125,712,625 2,161 14,883,402
90+ 104.3 2.4 104.1 1,834 12,715,496 9,791 67,892,454 1,759 12,209,643
Total 91.2 1.2 91.1 6,028 41,631,146 77,988 540,449,520 6,609 45,680,685
GRAND TOTAL 88.7 1.1 88.6 6,777 46,951,601 104,463 728,182,054 7,641 52,980,605

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.8     MALE EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 39.9 5.9 22.5 46 921,236 3,383 110,459,985 115 4,095,879
2 46.8 6.3 35.0 56 1,514,217 3,234 106,735,837 120 4,322,342
3 62.7 7.2 65.0 75 2,725,935 3,027 98,342,744 120 4,190,561
4 59.3 7.1 37.9 69 1,551,682 2,839 93,020,782 116 4,098,773
5 78.9 8.3 63.2 90 2,545,733 2,755 89,391,456 114 4,026,114
6 72.1 8.0 54.1 81 2,029,775 2,649 83,320,944 112 3,749,703
7 63.1 7.4 45.4 72 1,645,574 2,607 79,160,072 114 3,626,637
8 57.1 7.0 46.7 67 1,667,016 2,604 75,318,462 117 3,568,438
9 76.0 7.6 71.3 99 2,714,210 2,762 76,515,207 130 3,807,813
10 76.8 7.7 60.3 99 2,142,142 2,703 71,525,763 129 3,553,130
Total 63.5 2.3 49.8 754 19,457,520 28,563 883,791,252 1,188 39,039,390
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 34 921,700 0 385
5-9 0.0 0.0 0.0 0 0 201 12,967,008 0 6,008
10-14 784.2 784.2 970.5 1 44,864 241 8,799,855 0 4,623
15-19 603.8 603.8 1058.9 1 53,808 258 7,942,287 0 5,081
20-24 0.0 0.0 0.0 0 0 600 23,847,451 0 18,697
25-29 484.7 279.9 1860.6 3 423,462 665 24,420,981 1 22,760
30-34 0.0 0.0 0.0 0 0 499 22,194,521 1 26,838
35-39 89.8 89.8 46.5 1 17,310 535 18,636,341 1 37,243
40-44 245.8 122.9 211.2 4 103,268 490 15,010,699 2 48,905
45-49 144.3 72.1 181.7 4 138,497 511 14,268,208 3 76,238
50-54 245.7 61.4 197.1 16 317,573 856 21,476,409 7 161,146
55-59 107.8 22.0 117.2 24 608,735 2,025 47,213,978 22 519,206
60-64 71.7 10.9 55.3 43 791,246 3,444 83,815,580 60 1,430,403
65-69 60.2 5.8 58.3 108 2,465,656 6,284 150,453,828 180 4,232,524
70-74 53.8 5.0 36.9 116 2,555,056 4,788 153,451,866 216 6,925,199
75-79 50.0 4.4 32.2 131 3,803,551 3,649 170,060,058 262 11,819,024
80-84 63.3 5.2 46.6 151 3,507,572 2,301 72,701,215 238 7,532,771
85-89 70.2 7.2 60.3 95 2,044,929 877 22,027,158 135 3,388,611
90-94 87.8 12.7 80.2 48 1,807,764 279 11,283,982 55 2,254,249
95-99 135.2 47.8 146.2 8 774,229 25 2,298,128 6 529,480
100+ 0 0 0 0 0 0
Total 63.5 2.3 49.8 754 19,457,520 28,563 883,791,252 1,188 39,039,390
Ultimate Experience By Attained Age
5-59 160.8 29.4 193.8 30 1,078,632 5,098 163,823,998 19 556,611
60-64 107.4 26.9 111.6 16 466,980 1,342 37,817,682 15 418,541
65-69 84.8 13.4 96.3 40 1,074,957 2,605 62,131,273 47 1,116,772
70-74 62.5 6.3 55.8 98 1,811,318 5,201 108,082,116 157 3,247,623
75-79 70.5 3.8 67.7 348 6,623,777 10,187 202,136,647 494 9,785,777
80-84 74.2 2.7 69.2 747 13,480,730 13,040 252,140,724 1,007 19,470,032
85-89 87.0 2.7 81.8 1,060 19,501,510 10,293 201,100,275 1,218 23,853,343
90+ 98.5 3.1 88.5 1,012 19,568,418 5,697 121,926,064 1,028 22,108,917
Total 84.1 1.5 79.0 3,351 63,606,322 53,463 1,149,158,779 3,985 80,557,615
GRAND TOTAL 79.4 1.2 69.5 4,105 83,063,842 82,026 2,032,950,031 5,172 119,597,005

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.9     FEMALE EXPERIENCE--SINGLE LIFE--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.1 14.6 48.7 10 6,945 1,568 971,487 22 14,253
2 93.7 19.1 86.8 24 14,420 1,604 997,541 26 16,614
3 97.4 18.4 107.5 28 20,137 1,678 1,045,376 29 18,731
4 98.0 17.1 87.5 33 19,317 1,796 1,122,659 34 22,080
5 91.1 15.0 86.4 37 22,695 1,984 1,224,737 41 26,258
6 74.8 11.8 71.6 40 24,458 2,468 1,502,008 53 34,136
7 97.6 12.0 89.3 66 38,499 2,919 1,782,249 68 43,133
8 92.5 10.5 90.0 78 48,088 3,388 2,067,104 84 53,449
9 90.0 9.4 90.0 91 57,326 3,790 2,320,040 101 63,722
10 74.9 7.8 72.8 93 56,588 4,253 2,606,946 124 77,777
Total 86.0 3.8 83.3 500 308,473 25,448 15,640,148 581 370,151
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 700 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 1 507 0 0
15-19 0.0 0.0 0.0 0 0 23 9,031 0 3
20-24 0.0 0.0 0.0 0 0 17 10,621 0 4
25-29 0.0 0.0 0.0 0 0 42 22,460 0 11
30-34 0.0 0.0 0.0 0 0 43 23,739 0 16
35-39 0.0 0.0 0.0 0 0 99 55,472 0 55
40-44 0.0 0.0 0.0 0 0 203 109,187 0 176
45-49 98.9 98.9 84.2 1 421 392 191,888 1 500
50-54 93.3 53.8 62.3 3 1,179 745 441,566 3 1,893
55-59 92.8 24.0 106.2 15 10,191 2,496 1,461,253 16 9,599
60-64 90.1 14.6 89.9 38 23,346 3,912 2,418,591 42 25,960
65-69 89.7 7.3 88.2 152 91,449 9,340 5,748,192 169 103,637
70-74 83.1 6.8 75.7 148 82,543 5,839 3,562,573 178 109,104
75-79 84.3 11.6 87.2 53 37,591 1,165 800,581 63 43,129
80-84 76.3 10.6 73.4 52 35,773 810 569,695 68 48,739
85-89 95.7 16.4 94.4 34 22,686 292 195,743 36 24,029
90-94 111.0 55.5 107.8 4 3,294 21 17,709 4 3,055
95-99 0.0 0.0 0.0 0 0 1 640 0 242
100+ 0 0 0 0 0 0
Total 86.0 3.8 83.3 500 308,473 25,448 15,640,148 581 370,151
Ultimate Experience By Attained Age
5-59 173.6 57.9 201.1 9 5,329 1,855 900,275 5 2,650
60-64 89.4 29.8 92.5 9 5,268 1,620 915,207 10 5,698
65-69 97.4 15.8 111.6 38 25,203 3,787 2,192,066 39 22,591
70-74 84.6 7.6 80.4 123 70,399 8,715 5,241,056 145 87,545
75-79 96.5 3.9 95.0 606 366,524 21,063 12,941,316 628 386,016
80-84 90.6 2.0 89.1 1,995 1,205,689 41,617 25,598,963 2,202 1,353,592
85-89 92.3 1.4 91.4 4,122 2,453,388 48,751 29,352,199 4,468 2,685,400
90+ 98.3 1.1 97.7 7,485 4,098,125 44,802 25,179,027 7,615 4,193,308
Total 95.2 0.8 94.2 14,387 8,229,925 172,210 102,320,109 15,112 8,736,800
GRAND TOTAL 94.9 0.8 93.8 14,887 8,538,398 197,658 117,960,257 15,693 9,106,951

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.10     FEMALE EXPERIENCE--SINGLE LIFE--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 43.0 5.4 42.0 64 177,713 7,689 21,128,328 149 423,511
2 54.3 5.6 54.5 95 269,465 7,803 21,302,525 175 494,032
3 65.5 5.7 66.8 130 371,686 7,879 21,371,511 198 556,128
4 74.9 5.9 71.1 162 428,457 7,841 21,095,588 216 602,534
5 72.8 5.5 73.6 174 486,754 8,054 21,469,848 239 661,537
6 75.0 5.2 76.1 207 574,811 8,705 23,024,418 276 755,245
7 87.8 5.3 85.1 279 733,915 9,551 25,121,574 318 862,297
8 85.9 4.9 82.9 309 805,731 10,439 27,292,689 360 971,991
9 87.4 4.6 84.3 353 907,833 11,230 29,086,078 404 1,077,227
10 92.0 4.5 94.0 420 1,130,782 12,111 31,129,521 457 1,203,424
Total 78.6 1.7 77.4 2,193 5,887,147 91,302 242,022,082 2,791 7,607,926
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 2 9,376 0 2
5-9 0.0 0.0 0.0 0 0 9 45,789 0 9
10-14 0.0 0.0 0.0 0 0 2 3,290 0 1
15-19 0.0 0.0 0.0 0 0 19 68,763 0 22
20-24 0.0 0.0 0.0 0 0 55 158,579 0 64
25-29 0.0 0.0 0.0 0 0 72 218,234 0 121
30-34 0.0 0.0 0.0 0 0 78 177,371 0 141
35-39 387.3 387.3 538.5 1 4,012 229 659,036 0 745
40-44 316.5 223.8 145.5 2 2,497 383 1,036,556 1 1,716
45-49 300.3 113.5 278.1 7 16,543 861 2,179,774 2 5,949
50-54 204.9 51.2 189.3 16 38,556 1,882 4,910,163 8 20,367
55-59 142.0 17.6 130.3 65 152,817 7,146 18,260,374 46 117,249
60-64 102.8 8.8 103.0 138 356,441 12,819 33,252,993 134 346,179
65-69 82.7 4.2 82.3 384 966,125 27,417 69,189,493 464 1,173,718
70-74 79.9 3.8 80.3 445 1,207,926 18,517 49,909,852 557 1,503,609
75-79 66.6 3.3 66.1 407 1,141,823 11,656 33,208,011 611 1,727,991
80-84 76.4 3.4 74.1 492 1,359,240 7,773 22,245,057 644 1,835,200
85-89 75.6 5.3 76.1 207 558,556 2,117 5,738,384 274 733,814
90-94 50.3 11.0 50.6 21 59,801 230 657,846 42 118,122
95-99 90.4 32.0 99.6 8 22,810 36 93,141 9 22,906
100+ 0 0 0 0 0 0
Total 78.6 1.7 77.4 2,193 5,887,147 91,302 242,022,082 2,791 7,607,926
Ultimate Experience By Attained Age
5-59 168.3 38.6 175.5 19 48,980 3,999 10,174,238 11 27,905
60-64 153.1 26.6 151.2 33 80,455 3,453 8,506,944 22 53,194
65-69 84.2 9.5 91.0 78 207,252 8,934 21,952,713 93 227,752
70-74 104.9 5.2 109.5 401 1,028,496 22,840 56,132,753 382 939,673
75-79 86.7 2.3 86.0 1,474 3,509,066 56,932 136,764,522 1,699 4,079,149
80-84 85.4 1.2 86.1 4,820 11,452,976 106,831 252,139,723 5,643 13,300,493
85-89 88.7 0.9 88.6 9,377 21,626,424 116,089 268,262,517 10,567 24,399,549
90+ 94.5 0.9 94.5 12,031 27,125,075 79,321 179,352,891 12,726 28,708,402
Total 90.7 0.5 90.7 28,233 65,078,724 398,400 933,286,302 31,142 71,736,117
GRAND TOTAL 89.7 0.5 89.4 30,426 70,965,871 489,702 1,175,308,383 33,934 79,344,043

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.11     FEMALE EXPERIENCE--SINGLE LIFE--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 49.8 6.8 49.7 54 387,092 4,434 31,578,726 108 778,679
2 52.5 6.6 51.1 63 438,329 4,356 31,043,923 120 858,319
3 57.4 6.6 59.8 75 559,693 4,228 30,193,442 131 936,249
4 63.0 6.8 62.8 85 604,586 4,048 28,812,610 135 962,194
5 78.7 7.4 78.1 113 798,655 4,002 28,452,009 144 1,022,917
6 73.9 6.9 74.5 115 824,863 4,064 28,819,717 156 1,107,300
7 82.3 7.0 82.1 140 987,673 4,179 29,511,504 170 1,202,489
8 77.0 6.5 76.9 141 991,493 4,393 30,938,077 183 1,289,882
9 80.4 6.4 80.2 160 1,116,806 4,625 32,456,459 199 1,392,941
10 81.9 6.3 81.4 170 1,175,482 4,618 32,196,008 208 1,443,589
Total 71.9 2.2 71.7 1,116 7,884,672 42,950 304,002,475 1,553 10,994,558
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 14332.8 14332.8 16852.3 1 8,739 38 284,922 0 52
10-14 0.0 0.0 0.0 0 0 29 212,231 0 48
15-19 0.0 0.0 0.0 0 0 42 325,715 0 112
20-24 0.0 0.0 0.0 0 0 117 921,200 0 384
25-29 0.0 0.0 0.0 0 0 113 762,116 0 414
30-34 0.0 0.0 0.0 0 0 107 835,652 0 617
35-39 599.9 599.9 587.3 1 6,900 156 1,103,180 0 1,175
40-44 534.6 378.0 604.6 2 15,148 224 1,498,206 0 2,505
45-49 271.6 135.8 244.7 4 26,002 536 3,851,535 1 10,625
50-54 221.6 70.1 226.3 10 72,085 1,107 7,804,218 5 31,859
55-59 100.3 23.6 96.7 18 122,259 2,874 20,249,093 18 126,480
60-64 105.5 13.7 102.2 59 403,585 5,505 38,922,697 56 395,015
65-69 92.5 7.8 93.2 140 984,846 9,065 63,216,799 151 1,056,861
70-74 61.2 5.1 60.4 142 992,919 7,840 55,838,969 232 1,643,514
75-79 67.4 4.1 67.0 267 1,897,749 7,780 56,046,855 396 2,834,261
80-84 65.2 3.8 65.8 301 2,109,927 5,668 39,448,809 461 3,206,375
85-89 74.2 6.1 73.6 147 1,053,926 1,570 11,318,499 198 1,432,721
90-94 81.4 16.6 82.7 24 190,587 163 1,277,759 29 230,334
95-99 0.0 0.0 0.0 0 0 14 84,020 4 21,206
100+ 0 0 0 0 0 0
Total 71.9 2.2 71.7 1,116 7,884,672 42,950 304,002,475 1,553 10,994,558
Ultimate Experience By Attained Age
5-59 119.9 45.3 116.9 7 47,149 2,215 15,324,491 6 40,348
60-64 220.0 48.0 214.1 21 143,078 1,544 10,807,479 10 66,815
65-69 119.4 19.6 129.7 37 281,846 3,005 21,076,419 31 217,324
70-74 97.6 9.3 98.9 110 775,901 6,737 46,919,645 113 784,496
75-79 88.3 4.4 87.7 403 2,746,822 15,350 105,450,977 456 3,131,497
80-84 81.9 2.5 81.6 1,117 7,537,351 25,928 175,688,870 1,363 9,234,786
85-89 85.3 1.9 85.5 1,997 13,539,206 25,795 174,492,357 2,341 15,840,046
90+ 95.2 1.9 95.5 2,550 17,513,509 16,766 114,656,883 2,679 18,344,585
Total 89.2 1.1 89.4 6,242 42,584,862 97,341 664,417,121 6,998 47,659,898
GRAND TOTAL 86.0 1.0 86.0 7,358 50,469,534 140,291 968,419,596 8,551 58,654,456

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 5.12     FEMALE EXPERIENCE--SINGLE LIFE--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 38.3 5.2 32.4 54 1,284,277 4,476 124,975,712 141 3,968,691
2 52.3 5.9 44.9 79 1,893,677 4,386 123,060,526 151 4,221,423
3 54.4 5.9 44.1 84 1,854,470 4,161 112,861,690 154 4,201,961
4 73.4 6.9 62.5 114 2,742,738 3,877 107,087,516 155 4,390,150
5 65.1 6.5 56.7 100 2,469,005 3,685 100,535,033 154 4,352,675
6 70.6 6.6 62.6 113 2,799,397 3,600 95,687,845 160 4,472,747
7 57.0 5.9 41.6 94 1,834,717 3,521 90,867,173 165 4,406,069
8 73.5 6.6 71.8 125 3,185,542 3,539 87,648,701 170 4,434,633
9 63.5 6.1 45.7 109 1,966,341 3,469 82,783,775 172 4,303,502
10 77.9 6.9 66.3 128 2,643,345 3,262 74,944,852 164 3,988,546
Total 63.0 2.0 53.0 1,000 22,673,509 37,975 1,000,452,822 1,587 42,740,396
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 278,130 0 45
5-9 8979.1 6349.2 17061.9 2 199,515 123 6,512,997 0 1,169
10-14 0.0 0.0 0.0 0 0 149 7,626,605 0 1,892
15-19 0.0 0.0 0.0 0 0 257 11,459,650 0 3,927
20-24 0.0 0.0 0.0 0 0 380 13,908,757 0 6,036
25-29 0.0 0.0 0.0 0 0 374 12,794,563 0 6,826
30-34 0.0 0.0 0.0 0 0 301 14,636,223 0 9,948
35-39 890.7 514.2 555.7 3 53,777 334 9,674,454 0 9,677
40-44 278.4 196.8 231.8 2 44,238 425 11,537,662 1 19,085
45-49 402.7 164.4 385.7 6 144,540 569 15,253,184 1 37,479
50-54 172.4 65.2 183.6 7 169,430 1,015 23,963,682 4 92,294
55-59 127.1 30.0 148.3 18 400,155 2,290 44,254,030 14 269,894
60-64 44.4 11.1 42.5 16 305,570 3,674 75,687,606 36 719,465
65-69 60.8 8.5 55.1 51 932,922 5,208 106,394,428 84 1,692,557
70-74 53.0 5.6 38.1 90 1,663,389 5,920 161,541,157 170 4,369,137
75-79 59.7 4.0 51.1 223 5,442,740 7,505 222,184,272 374 10,651,129
80-84 60.2 3.3 43.9 332 7,071,099 6,802 197,962,736 551 16,120,281
85-89 69.9 5.1 65.7 188 4,121,009 2,208 51,856,689 269 6,272,291
90-94 72.1 9.8 80.9 54 1,799,335 407 11,964,618 75 2,224,911
95-99 119.5 45.2 133.4 7 300,498 24 936,087 6 225,241
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 63.0 2.0 53.0 1,000 22,673,509 37,975 1,000,452,822 1,587 42,740,396
Ultimate Experience By Attained Age
5-59 320.6 60.6 333.5 28 905,672 4,344 143,517,419 9 271,606
60-64 140.9 40.7 100.7 12 211,785 1,380 34,466,857 9 210,350
65-69 144.5 26.4 189.3 30 796,801 2,035 41,630,366 21 420,881
70-74 96.0 12.3 89.7 61 1,006,360 3,819 67,451,223 64 1,122,172
75-79 89.2 6.5 80.6 187 2,920,774 7,106 122,841,563 210 3,625,880
80-84 74.9 3.7 75.1 413 6,966,182 10,517 177,429,336 551 9,271,138
85-89 82.2 3.0 79.0 773 12,697,984 10,384 177,143,102 941 16,068,200
90+ 88.8 2.7 92.6 1,118 22,777,920 7,623 147,220,397 1,260 24,598,091
Total 85.6 1.7 86.9 2,622 48,283,478 47,208 911,700,262 3,063 55,588,319
GRAND TOTAL 77.9 1.3 72.2 3,622 70,956,987 85,183 1,912,153,084 4,649 98,328,715

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.1     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 50.3 15.9 37.6 10 4,591 1,342 783,564 20 12,218
2 66.6 17.2 64.7 15 9,005 1,354 797,185 23 13,922
3 88.8 18.5 98.3 23 16,133 1,391 855,837 26 16,419
4 109.9 19.1 108.7 33 20,484 1,493 919,276 30 18,848
5 111.7 17.7 106.7 40 23,358 1,658 1,004,578 36 21,888
6 80.7 12.3 84.8 43 27,274 2,191 1,314,813 53 32,152
7 124.4 13.3 116.6 88 50,537 2,644 1,617,294 71 43,333
8 87.4 10.0 87.4 77 47,509 3,027 1,871,299 88 54,368
9 86.0 8.8 86.6 96 60,210 3,507 2,193,129 112 69,566
10 74.3 7.2 72.8 105 64,677 4,064 2,563,186 141 88,857
Total 88.4 3.8 87.1 530 323,778 22,671 13,920,160 599 371,571
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 4 1,180 0 1
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 14 7,093 0 10
35-39 0.0 0.0 0.0 0 0 56 21,881 0 27
40-44 0.0 0.0 0.0 0 0 78 32,294 0 53
45-49 0.0 0.0 0.0 0 0 194 96,754 1 372
50-54 47.2 47.2 41.2 1 553 367 232,131 2 1,341
55-59 132.7 28.3 132.4 22 13,479 1,841 1,117,979 17 10,179
60-64 107.2 15.0 108.6 51 32,407 3,264 2,042,161 48 29,852
65-69 89.8 6.1 89.6 214 132,796 9,683 6,019,646 238 148,282
70-74 87.0 6.0 83.1 211 120,868 6,497 3,878,873 243 145,431
75-79 63.1 18.2 75.9 12 9,820 343 238,393 19 12,935
80-84 77.2 18.7 81.4 17 12,621 261 181,013 22 15,498
85-89 11.2 11.2 9.0 1 591 61 44,716 9 6,537
90-94 72.8 72.8 61.0 1 643 8 6,048 1 1,053
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 88.4 3.8 87.1 530 323,778 22,671 13,920,160 599 371,571
Ultimate Experience By Attained Age
5-59 262.6 92.9 318.8 8 5,603 540 312,203 3 1,757
60-64 110.2 41.7 113.2 7 4,622 722 461,616 6 4,082
65-69 125.8 19.2 129.5 43 27,454 2,430 1,521,137 34 21,206
70-74 97.1 8.0 96.6 148 91,635 6,694 4,204,565 152 94,858
75-79 97.3 3.8 95.0 665 416,116 18,033 11,582,425 683 438,212
80-84 93.6 1.9 93.2 2,386 1,510,152 40,759 25,931,121 2,549 1,620,774
85-89 95.1 1.4 94.3 4,843 2,983,432 49,888 31,054,712 5,094 3,163,910
90+ 103.6 1.2 102.5 7,940 4,591,946 44,254 26,101,595 7,662 4,480,193
Total 99.1 0.8 98.0 16,040 9,630,960 163,322 101,169,374 16,184 9,824,993
GRAND TOTAL 98.7 0.8 97.6 16,570 9,954,738 185,993 115,089,534 16,784 10,196,564

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.2     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 47.3 6.4 49.2 54 159,413 5,833 15,834,584 114 324,249
2 54.9 6.4 51.0 73 191,641 5,867 15,816,647 133 375,517
3 62.4 6.5 63.7 92 264,434 5,903 15,864,544 147 415,190
4 92.5 7.7 92.2 146 409,781 5,897 15,740,832 158 444,291
5 68.6 6.4 66.7 115 309,072 5,952 15,694,707 168 463,576
6 81.0 6.4 78.5 161 427,581 6,626 17,371,983 199 544,857
7 80.7 6.0 79.3 182 482,416 7,241 18,752,261 225 608,080
8 84.8 5.7 80.0 223 558,568 8,106 20,829,077 263 698,462
9 86.0 5.3 82.9 264 661,617 9,047 22,921,868 307 797,931
10 89.3 5.0 91.4 316 825,850 10,035 25,104,277 354 903,228
Total 78.6 1.9 77.0 1,626 4,290,373 70,507 183,930,780 2,068 5,575,381
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 7 8,792 0 5
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 9 13,167 0 11
30-34 0.0 0.0 0.0 0 0 37 87,923 0 87
35-39 0.0 0.0 0.0 0 0 65 181,293 0 299
40-44 0.0 0.0 0.0 0 0 138 336,796 0 773
45-49 138.4 97.8 74.1 2 2,787 367 919,931 1 3,759
50-54 284.9 69.1 255.9 17 41,399 989 2,652,982 6 16,177
55-59 159.4 17.8 149.1 80 191,162 5,661 14,350,443 50 128,196
60-64 99.0 7.8 99.0 161 417,751 11,117 28,956,490 163 422,048
65-69 80.3 3.5 80.1 518 1,282,617 27,597 68,660,250 645 1,601,192
70-74 78.1 3.9 75.7 406 1,027,167 14,698 38,444,697 520 1,356,562
75-79 65.3 4.5 67.0 210 634,014 5,864 17,227,398 322 946,583
80-84 64.0 4.9 62.5 173 509,492 3,281 9,938,080 270 814,802
85-89 65.7 9.0 65.8 53 164,733 622 1,960,029 81 250,334
90-94 54.6 24.4 49.7 5 15,177 52 177,674 9 30,527
95-99 93.7 93.7 101.2 1 4,074 4 14,836 1 4,024
100+ 0 0 0 0 0 0
Total 78.6 1.9 77.0 1,626 4,290,373 70,507 183,930,780 2,068 5,575,381
Ultimate Experience By Attained Age
5-59 99.1 33.0 114.4 9 26,104 1,659 4,145,996 9 22,825
60-64 96.3 23.3 96.1 17 41,877 2,063 5,077,681 18 43,568
65-69 95.6 10.0 90.9 92 214,741 6,935 16,943,014 96 236,281
70-74 96.3 4.6 100.0 438 1,141,389 20,095 50,122,362 455 1,141,336
75-79 87.6 2.0 87.4 1,937 4,694,120 57,878 139,967,327 2,211 5,370,335
80-84 88.9 1.1 88.8 6,490 15,459,233 116,000 275,839,122 7,297 17,401,577
85-89 91.8 0.8 91.4 12,040 27,850,680 128,806 298,792,699 13,113 30,457,013
90+ 100.1 0.8 100.3 14,297 32,105,729 85,591 192,391,241 14,282 32,019,661
Total 94.2 0.5 94.0 35,320 81,533,873 419,026 983,279,441 37,480 86,692,596
GRAND TOTAL 93.4 0.5 93.0 36,946 85,824,246 489,533 1,167,210,221 39,548 92,267,977

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.3     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 61.7 9.1 61.0 46 323,102 3,088 21,903,250 75 529,727
2 45.2 7.4 44.2 37 255,455 3,002 21,254,653 82 578,440
3 59.8 8.2 61.3 53 384,978 2,905 20,598,439 89 628,314
4 60.7 8.1 60.1 56 393,972 2,803 19,838,906 92 655,458
5 74.1 8.7 74.7 72 518,422 2,757 19,531,337 97 693,566
6 60.6 7.6 58.6 63 433,121 2,801 19,771,815 104 739,292
7 74.9 8.2 75.0 84 596,066 2,864 20,125,839 112 794,536
8 61.8 7.2 61.8 74 522,821 3,054 21,408,500 120 845,336
9 79.8 7.7 80.5 107 761,084 3,344 23,392,943 134 945,982
10 100.2 8.4 98.2 141 967,533 3,453 24,012,582 141 984,942
Total 70.2 2.6 69.7 733 5,156,554 30,071 211,838,262 1,045 7,395,593
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 2 16,522 0 16
35-39 0.0 0.0 0.0 0 0 7 51,013 0 66
40-44 2296.7 1624.0 2625.8 2 14,631 41 254,646 0 557
45-49 228.6 228.6 315.1 1 9,769 129 944,450 0 3,101
50-54 197.4 80.6 206.5 6 44,520 542 3,877,077 3 21,555
55-59 83.0 20.7 83.8 16 113,866 2,168 15,286,355 19 135,829
60-64 92.5 11.9 93.2 60 424,647 4,552 31,945,067 65 455,550
65-69 88.4 6.4 87.5 192 1,328,649 9,255 64,648,293 217 1,518,740
70-74 59.4 5.3 57.7 125 851,217 5,921 41,510,450 210 1,475,461
75-79 64.2 5.3 64.5 148 1,077,822 4,167 30,133,025 231 1,669,905
80-84 61.1 5.1 61.1 141 989,838 2,752 19,293,982 231 1,619,714
85-89 62.6 10.0 62.1 39 277,794 505 3,630,243 62 447,608
90-94 51.9 29.9 50.1 3 23,801 31 247,140 6 47,491
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 70.2 2.6 69.7 733 5,156,554 30,071 211,838,262 1,045 7,395,593
Ultimate Experience By Attained Age
5-59 71.2 50.3 58.8 2 11,353 546 3,740,624 3 19,303
60-64 160.6 53.5 154.9 9 59,516 660 4,532,217 6 38,418
65-69 107.3 18.7 113.2 33 241,003 2,110 14,636,510 31 212,923
70-74 85.9 7.6 87.0 129 905,833 6,280 43,469,797 150 1,041,367
75-79 84.4 3.6 84.1 551 3,777,089 16,566 113,837,938 653 4,492,041
80-84 82.6 2.1 82.4 1,528 10,424,333 28,815 196,733,292 1,850 12,656,456
85-89 89.8 1.8 90.0 2,547 17,369,400 27,674 188,117,921 2,837 19,307,462
90+ 100.4 2.0 100.7 2,622 17,899,017 15,778 107,342,552 2,611 17,780,941
Total 91.2 1.1 91.2 7,421 50,687,544 98,429 672,410,851 8,141 55,548,910
GRAND TOTAL 88.8 1.0 88.7 8,154 55,844,098 128,500 884,249,113 9,186 62,944,503

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.4     TOTAL EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 40.1 7.9 40.3 26 500,973 2,192 39,941,678 65 1,242,048
2 58.6 9.3 56.1 40 714,756 2,086 37,397,392 68 1,274,813
3 54.6 8.9 54.0 38 689,652 1,952 34,364,346 70 1,276,971
4 58.7 9.3 54.5 40 677,306 1,789 31,081,268 68 1,243,579
5 73.3 10.4 76.4 50 937,802 1,695 29,102,082 68 1,227,144
6 70.6 10.1 72.9 49 886,462 1,637 27,648,042 69 1,215,998
7 65.8 9.7 70.4 46 853,563 1,598 26,682,813 70 1,212,254
8 72.7 10.2 75.8 51 910,263 1,623 26,633,865 70 1,201,317
9 78.7 9.8 72.1 64 994,959 1,811 29,543,239 81 1,379,375
10 83.4 10.1 86.8 68 1,195,475 1,804 29,460,352 82 1,377,740
Total 66.4 3.1 66.1 472 8,361,211 18,187 311,855,077 711 12,651,239
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 1 25,929 0 13
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 8 158,384 0 171
35-39 0.0 0.0 0.0 0 0 9 164,142 0 139
40-44 0.0 0.0 0.0 0 0 8 105,304 0 226
45-49 0.0 0.0 0.0 0 0 85 1,463,248 0 5,524
50-54 210.0 105.0 218.3 4 68,721 297 4,789,542 2 31,474
55-59 100.0 30.1 111.2 11 202,141 1,280 21,205,739 11 181,778
60-64 55.6 12.7 67.0 19 378,333 2,369 38,871,110 34 564,907
65-69 66.8 7.4 65.3 81 1,320,505 5,014 83,681,706 121 2,021,984
70-74 80.1 7.6 77.0 110 1,824,850 3,743 65,249,924 137 2,371,472
75-79 54.7 6.0 56.8 84 1,500,374 2,693 46,083,414 154 2,640,504
80-84 69.8 6.3 68.1 124 2,264,275 2,087 38,254,565 178 3,323,832
85-89 56.9 9.4 59.6 37 769,406 540 10,543,313 65 1,291,732
90-94 21.7 15.3 15.0 2 32,606 53 1,258,758 9 217,484
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 66.4 3.1 66.1 472 8,361,211 18,187 311,855,077 711 12,651,239
Ultimate Experience By Attained Age
5-59 55.2 55.2 31.1 1 12,698 306 6,657,281 2 40,801
60-64 90.8 45.4 48.6 4 53,473 484 11,692,141 4 109,940
65-69 77.9 19.5 66.5 16 278,482 1,361 27,165,303 21 418,720
70-74 67.4 9.1 60.7 55 882,641 3,290 57,398,487 82 1,453,753
75-79 84.5 5.3 77.3 251 3,899,976 7,234 121,285,280 297 5,045,177
80-84 78.7 3.2 80.5 588 10,086,480 11,208 185,392,839 748 12,533,033
85-89 88.8 2.9 87.6 960 15,476,029 10,296 166,767,949 1,081 17,674,415
90+ 93.2 3.1 92.7 901 15,156,323 5,745 96,655,618 967 16,357,299
Total 86.7 1.6 85.5 2,776 45,846,102 39,924 673,014,897 3,201 53,633,138
GRAND TOTAL 83.0 1.5 81.8 3,248 54,207,313 58,110 984,869,975 3,913 66,284,376

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.5     TOTAL EXPERIENCE--SINGLE LIFE--RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 24.4 24.4 32.9 1 849 277 172,804 4 2,581
2 87.6 43.8 89.2 4 2,535 290 178,549 5 2,842
3 78.1 39.0 95.1 4 3,064 317 192,797 5 3,222
4 82.0 36.7 68.4 5 2,731 342 211,134 6 3,994
5 106.7 37.7 115.0 8 5,434 374 229,795 7 4,724
6 81.8 30.9 78.5 7 4,315 415 259,748 9 5,495
7 108.0 32.6 111.9 11 7,265 477 298,284 10 6,494
8 114.2 30.5 120.3 14 9,359 559 352,948 12 7,779
9 148.9 33.3 161.5 20 13,013 568 352,888 13 8,056
10 101.6 24.6 103.3 17 10,311 595 369,849 17 9,986
Total 102.8 10.8 106.7 91 58,876 4,213 2,618,796 89 55,174
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 1 605 0 1
30-34 0.0 0.0 0.0 0 0 9 5,202 0 7
35-39 0.0 0.0 0.0 0 0 25 18,310 0 31
40-44 0.0 0.0 0.0 0 0 34 15,492 0 29
45-49 0.0 0.0 0.0 0 0 96 52,818 0 181
50-54 464.4 268.1 409.8 3 1,607 116 71,226 1 392
55-59 180.9 54.5 204.6 11 7,556 719 426,204 6 3,693
60-64 116.2 27.4 119.2 18 11,693 1,107 689,948 15 9,806
65-69 90.7 16.3 101.8 31 21,966 1,553 1,002,731 34 21,586
70-74 82.1 27.4 80.2 9 5,350 287 172,930 11 6,667
75-79 127.2 51.9 135.3 6 3,144 75 39,315 5 2,324
80-84 79.1 23.9 63.0 11 5,718 175 113,648 14 9,069
85-89 103.0 72.8 141.2 2 1,842 15 9,855 2 1,305
90-94 0.0 0.0 0.0 0 0 1 511 0 83
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 102.8 10.8 106.7 91 58,876 4,213 2,618,796 89 55,174
Ultimate Experience By Attained Age
5-59 132.2 93.5 144.9 2 1,240 311 171,682 2 856
60-64 142.2 63.6 91.0 5 1,841 405 228,045 4 2,023
65-69 98.8 27.4 120.2 13 9,328 934 547,644 13 7,759
70-74 107.4 16.0 107.5 45 25,952 1,836 1,068,575 42 24,138
75-79 95.7 9.0 93.4 114 61,977 3,146 1,783,220 119 66,363
80-84 95.1 6.0 95.2 249 134,067 4,093 2,227,807 262 140,787
85-89 98.0 4.9 96.7 401 205,218 3,883 2,018,407 409 212,143
90+ 100.9 3.9 103.3 665 308,335 3,509 1,647,281 659 298,417
Total 99.0 2.6 99.4 1,494 747,958 18,116 9,692,661 1,509 752,486
GRAND TOTAL 99.2 2.5 99.9 1,585 806,834 22,329 12,311,457 1,598 807,660

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.6     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 74.2 18.0 66.4 17 40,907 1,611 4,329,034 23 61,585
2 66.8 16.2 74.6 17 50,877 1,651 4,415,870 25 68,188
3 99.5 19.2 91.4 27 65,560 1,627 4,299,830 27 71,749
4 102.0 18.9 105.5 29 79,273 1,595 4,175,688 28 75,123
5 99.9 17.9 93.6 31 76,344 1,607 4,159,115 31 81,536
6 76.9 15.1 73.7 26 65,556 1,645 4,234,121 34 89,010
7 122.2 17.8 125.2 47 124,962 1,805 4,616,656 38 99,846
8 111.0 16.4 119.0 46 125,456 1,886 4,759,259 41 105,433
9 85.1 13.6 89.0 39 103,528 1,908 4,816,068 46 116,317
10 90.8 13.2 101.6 47 133,817 1,947 4,942,094 52 131,677
Total 94.1 5.2 96.2 326 866,280 17,282 44,747,735 346 900,463
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 20 30,878 0 36
35-39 0.0 0.0 0.0 0 0 32 71,060 0 168
40-44 0.0 0.0 0.0 0 0 92 271,083 0 672
45-49 155.2 155.2 129.9 1 2,195 195 529,321 1 1,689
50-54 106.0 61.2 142.6 3 9,498 505 1,219,608 3 6,661
55-59 181.3 29.4 195.7 38 101,555 2,577 6,426,601 21 51,894
60-64 98.1 12.6 100.7 61 163,133 4,792 12,531,204 62 162,007
65-69 90.0 8.3 96.4 118 327,334 6,677 17,394,718 131 339,522
70-74 58.9 12.6 54.4 22 53,365 1,133 2,957,726 37 98,025
75-79 84.9 17.7 81.5 23 54,930 471 1,208,612 27 67,388
80-84 92.3 12.5 86.7 55 139,264 761 2,026,727 60 160,652
85-89 127.0 56.8 132.3 5 15,006 26 77,896 4 11,344
90-94 0.0 0.0 0.0 0 0 1 2,301 0 405
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 94.1 5.2 96.2 326 866,280 17,282 44,747,735 346 900,463
Ultimate Experience By Attained Age
5-59 160.9 92.9 152.4 3 6,070 431 975,740 2 3,984
60-64 121.4 45.9 80.1 7 10,252 662 1,494,829 6 12,797
65-69 97.4 19.1 104.6 26 65,324 1,938 4,565,236 27 62,456
70-74 102.3 9.8 103.6 109 266,042 4,734 11,413,828 107 256,729
75-79 85.5 4.9 80.9 300 694,161 9,269 22,669,928 351 858,227
80-84 103.2 4.3 103.1 576 1,391,156 8,893 21,547,713 558 1,348,942
85-89 97.4 4.0 97.7 598 1,422,364 5,965 14,167,745 614 1,456,446
90+ 110.2 4.4 108.3 633 1,438,991 3,329 7,700,806 574 1,328,872
Total 100.6 2.1 99.4 2,252 5,294,360 35,222 84,535,824 2,238 5,328,451
GRAND TOTAL 99.8 2.0 98.9 2,578 6,160,640 52,504 129,283,559 2,584 6,228,915

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.7     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 65.2 24.6 67.2 7 51,951 740 5,244,386 11 77,283
2 60.6 22.9 62.7 7 52,168 716 5,087,641 12 83,261
3 110.3 29.5 113.5 14 102,871 709 5,025,844 13 90,652
4 70.0 23.3 72.1 9 65,297 675 4,758,667 13 90,621
5 80.9 24.4 80.3 11 76,420 661 4,654,705 14 95,111
6 53.3 18.8 47.7 8 49,912 669 4,695,143 15 104,693
7 118.2 27.1 115.4 19 129,725 687 4,821,665 16 112,413
8 106.7 25.9 106.3 17 118,718 695 4,878,673 16 111,659
9 47.0 16.6 44.4 8 53,046 714 5,020,003 17 119,513
10 100.8 23.1 95.9 19 126,293 735 5,141,223 19 131,645
Total 82.4 7.6 81.3 119 826,401 7,002 49,327,948 144 1,016,851
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 1 8,033 0 5
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 6 30,792 0 55
40-44 0.0 0.0 0.0 0 0 29 190,292 0 374
45-49 0.0 0.0 0.0 0 0 74 496,500 0 1,625
50-54 79.4 79.4 66.2 1 6,039 209 1,510,544 1 9,129
55-59 129.3 37.3 129.3 12 83,418 1,119 7,820,312 9 64,528
60-64 57.9 14.5 49.0 16 97,040 2,088 15,084,232 28 197,988
65-69 110.0 15.4 110.0 51 358,411 2,323 16,188,413 46 325,956
70-74 45.4 15.1 50.7 9 68,198 590 4,004,050 20 134,444
75-79 45.6 20.4 39.5 5 29,637 201 1,365,010 11 74,940
80-84 78.7 17.6 79.4 20 146,094 335 2,445,228 25 184,079
85-89 148.5 66.4 158.3 5 37,564 26 184,543 3 23,728
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 82.4 7.6 81.3 119 826,401 7,002 49,327,948 144 1,016,851
Ultimate Experience By Attained Age
5-59 198.3 198.3 256.9 1 8,487 113 726,246 1 3,304
60-64 307.7 137.6 263.4 5 31,494 202 1,467,345 2 11,959
65-69 117.8 35.5 132.0 11 87,061 677 4,772,927 9 65,937
70-74 106.1 16.6 108.2 41 294,518 1,661 11,656,664 39 272,189
75-79 89.3 8.6 85.6 107 721,175 3,068 21,570,710 120 842,464
80-84 91.0 7.2 92.8 162 1,132,043 2,787 19,158,305 178 1,220,385
85-89 101.0 7.6 101.3 176 1,204,855 1,671 11,398,560 174 1,189,462
90+ 105.6 9.2 106.8 132 915,442 752 5,150,737 125 857,113
Total 98.1 3.9 98.5 635 4,395,075 10,930 75,901,494 647 4,462,813
GRAND TOTAL 95.3 3.5 95.3 754 5,221,476 17,932 125,229,443 792 5,479,664

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.8     TOTAL EXPERIENCE--SINGLE LIFE--RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 42.5 21.3 39.7 4 74,282 617 11,320,963 9 187,126
2 86.0 28.7 107.6 9 223,252 600 10,989,712 10 207,495
3 38.3 19.1 36.3 4 75,339 551 9,984,459 10 207,395
4 54.6 22.3 36.2 6 79,553 523 9,429,652 11 219,907
5 62.2 23.5 77.2 7 175,484 490 8,863,323 11 227,241
6 110.5 30.6 104.4 13 250,785 491 8,859,024 12 240,251
7 68.1 24.1 87.2 8 210,250 488 8,777,391 12 241,118
8 66.6 22.2 50.3 9 138,504 548 9,987,951 14 275,600
9 66.4 21.0 60.7 10 178,571 573 10,414,612 15 294,283
10 100.8 24.4 91.5 17 307,516 596 11,141,883 17 336,243
Total 71.6 7.7 70.3 87 1,713,536 5,476 99,768,970 121 2,436,660
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 7 82,400 0 194
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 39 623,431 0 2,798
50-54 170.8 120.8 132.2 2 25,753 230 3,705,379 1 19,477
55-59 126.4 40.0 135.3 10 183,653 891 15,067,576 8 135,778
60-64 78.8 18.6 70.2 18 285,118 1,671 29,548,881 23 405,906
65-69 74.6 14.6 90.0 26 594,084 1,613 29,521,189 35 659,912
70-74 40.0 15.1 54.2 7 179,090 491 9,137,507 17 330,601
75-79 70.2 21.2 77.2 11 243,365 287 5,663,431 16 315,164
80-84 54.2 16.4 31.6 11 174,798 238 6,297,884 20 552,306
85-89 110.3 110.3 104.0 1 12,675 8 107,767 1 12,188
90-94 642.2 642.2 642.2 1 15,000 1 13,525 0 2,336
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 71.6 7.7 70.3 87 1,713,536 5,476 99,768,970 121 2,436,660
Ultimate Experience By Attained Age
5-59 0.0 0.0 0.0 0 0 31 526,428 0 3,245
60-64 63.7 63.7 38.6 1 10,027 179 2,957,937 2 25,993
65-69 90.8 30.3 114.9 9 211,291 663 11,962,503 10 183,891
70-74 91.9 16.3 85.6 32 573,178 1,396 26,209,953 35 669,686
75-79 80.6 8.7 75.4 86 1,604,197 2,566 51,074,911 107 2,127,150
80-84 87.6 7.5 81.7 135 2,716,825 2,276 48,715,101 154 3,324,839
85-89 87.7 8.3 79.6 111 2,218,744 1,183 25,802,550 127 2,786,422
90+ 104.8 11.5 101.4 83 1,716,507 480 10,297,548 79 1,692,898
Total 89.1 4.2 83.7 457 9,050,769 8,774 177,546,932 513 10,814,124
GRAND TOTAL 85.7 3.7 81.2 544 10,764,305 14,250 277,315,902 634 13,250,783

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.9     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 45.5 12.2 40.7 14 8,435 1,504 960,539 31 20,706
2 73.5 14.4 65.4 26 15,595 1,560 1,000,745 35 23,846
3 101.4 16.0 104.6 40 27,945 1,634 1,050,279 39 26,718
4 73.3 12.8 75.2 33 22,920 1,708 1,098,896 45 30,482
5 78.4 12.1 79.7 42 28,719 1,889 1,206,652 54 36,034
6 78.3 10.9 78.2 52 34,317 2,278 1,419,237 66 43,911
7 69.9 9.2 66.0 58 35,757 2,749 1,697,140 83 54,169
8 86.2 9.1 84.8 89 56,862 3,299 2,032,323 103 67,061
9 89.5 8.5 88.8 111 70,497 3,780 2,312,259 124 79,348
10 90.5 7.8 92.4 136 87,603 4,338 2,638,740 150 94,785
Total 82.2 3.4 81.5 601 388,650 24,741 15,416,810 731 477,059
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 15 4,652 0 2
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 25 20,698 0 10
15-19 0.0 0.0 0.0 0 0 51 23,200 0 11
20-24 0.0 0.0 0.0 0 0 54 26,080 0 15
25-29 0.0 0.0 0.0 0 0 61 28,403 0 17
30-34 0.0 0.0 0.0 0 0 82 44,667 0 44
35-39 0.0 0.0 0.0 0 0 123 65,868 0 104
40-44 0.0 0.0 0.0 0 0 263 143,559 1 425
45-49 30.3 30.3 23.2 1 421 655 347,710 3 1,812
50-54 72.9 29.8 57.1 6 2,707 1,166 663,335 8 4,740
55-59 80.4 19.5 90.1 17 10,957 2,145 1,216,783 21 12,160
60-64 75.5 10.8 77.8 49 31,004 3,905 2,397,155 65 39,863
65-69 81.7 5.7 82.7 206 132,071 10,101 6,368,140 252 159,792
70-74 91.3 8.5 88.7 116 71,978 3,221 2,061,501 127 81,171
75-79 78.2 8.9 74.4 77 50,719 1,506 1,041,543 99 68,208
80-84 72.7 9.6 69.9 57 40,012 806 583,259 78 57,224
85-89 91.6 11.6 93.6 62 43,107 522 353,214 68 46,053
90-94 120.0 40.0 107.1 9 4,790 37 23,750 7 4,473
95-99 86.0 86.0 94.5 1 884 4 3,292 1 935
100+ 0 0 0 0 0 0
Total 82.2 3.4 81.5 601 388,650 24,741 15,416,810 731 477,059
Ultimate Experience By Attained Age
5-59 95.9 20.9 100.9 21 11,417 4,534 2,234,112 22 11,318
60-64 92.5 15.9 95.6 34 19,699 3,779 2,111,476 37 20,612
65-69 78.2 8.8 80.5 79 46,207 6,472 3,654,230 101 57,404
70-74 75.0 4.9 72.7 233 132,170 12,168 7,064,099 311 181,774
75-79 77.1 2.7 76.5 827 495,592 25,629 15,396,302 1,072 648,128
80-84 87.6 2.0 85.4 1,869 1,093,449 32,052 19,184,436 2,133 1,280,406
85-89 94.6 1.8 93.4 2,872 1,632,266 29,075 16,723,308 3,035 1,746,903
90+ 101.7 1.5 102.6 4,574 2,334,279 24,709 12,851,594 4,497 2,275,605
Total 93.8 0.9 92.7 10,509 5,765,079 138,417 79,219,557 11,208 6,222,150
GRAND TOTAL 93.1 0.9 91.9 11,110 6,153,729 163,158 94,636,367 11,939 6,699,209

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.10     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 53.7 6.0 49.3 81 201,729 5,868 15,614,624 151 408,897
2 69.0 6.4 65.9 116 296,500 5,924 15,556,890 168 450,118
3 70.3 6.1 70.5 134 353,627 6,017 15,612,152 191 501,454
4 69.0 5.8 68.3 144 372,253 6,016 15,494,627 209 544,859
5 73.2 5.6 75.3 172 461,330 6,245 15,987,617 235 612,410
6 68.9 5.1 70.4 185 487,729 6,666 16,842,422 269 692,431
7 86.9 5.2 86.5 274 700,132 7,379 18,553,650 315 808,990
8 85.3 4.9 85.3 306 783,533 8,032 20,093,852 359 918,618
9 87.7 4.7 85.1 346 853,892 8,494 21,108,110 395 1,003,037
10 86.6 4.4 89.7 382 995,582 9,053 22,291,241 441 1,109,448
Total 78.4 1.7 78.1 2,140 5,506,307 69,694 177,155,185 2,731 7,050,262
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 11 22,777 0 7
5-9 0.0 0.0 0.0 0 0 18 59,190 0 15
10-14 0.0 0.0 0.0 0 0 14 30,151 0 15
15-19 3517.2 3517.2 2308.2 1 1,877 56 163,034 0 81
20-24 0.0 0.0 0.0 0 0 107 316,357 0 184
25-29 1433.6 1013.7 1750.9 2 5,820 182 447,192 0 332
30-34 0.0 0.0 0.0 0 0 138 335,301 0 361
35-39 581.1 335.5 619.3 3 8,447 321 878,226 1 1,364
40-44 471.7 192.6 382.4 6 13,328 487 1,344,043 1 3,485
45-49 329.0 99.2 386.2 11 31,531 850 2,103,246 3 8,164
50-54 229.9 50.2 214.2 21 49,606 1,644 4,243,046 9 23,162
55-59 87.9 15.8 85.5 31 76,211 4,079 10,493,263 35 89,088
60-64 85.4 8.8 89.9 95 238,538 7,718 18,851,763 111 265,410
65-69 77.6 3.9 77.0 404 916,715 22,491 52,015,128 520 1,189,995
70-74 75.8 4.0 74.3 362 959,488 12,967 35,314,237 478 1,291,677
75-79 70.4 3.5 68.3 403 1,069,487 9,503 26,306,356 572 1,565,781
80-84 80.0 3.7 81.3 474 1,314,701 6,326 17,374,324 593 1,616,343
85-89 85.1 5.1 87.6 274 680,849 2,373 5,779,015 322 776,967
90-94 56.9 8.8 57.7 42 110,967 367 974,525 74 192,400
95-99 100.7 30.4 113.0 11 28,742 44 104,011 11 25,429
100+ 0 0 0 0 0 0
Total 78.4 1.7 78.1 2,140 5,506,307 69,694 177,155,185 2,731 7,050,262
Ultimate Experience By Attained Age
5-59 114.9 18.9 115.2 37 90,062 7,242 18,343,542 32 78,172
60-64 131.6 18.6 143.3 50 128,567 4,312 10,278,251 38 89,700
65-69 77.4 8.3 86.9 86 227,681 7,823 18,706,370 111 261,922
70-74 77.3 4.3 81.3 316 771,773 17,412 40,994,294 409 948,724
75-79 80.1 2.2 78.5 1,305 2,893,962 40,911 93,820,852 1,630 3,687,391
80-84 84.5 1.5 84.5 3,166 7,297,395 58,531 135,906,044 3,745 8,634,385
85-89 89.1 1.3 89.4 4,883 11,363,044 53,929 125,271,184 5,483 12,704,500
90+ 100.5 1.3 99.6 6,026 13,846,441 35,504 82,487,034 5,997 13,907,936
Total 91.0 0.7 90.8 15,869 36,618,925 225,663 525,807,569 17,445 40,312,730
GRAND TOTAL 89.3 0.7 88.9 18,009 42,125,232 295,357 702,962,754 20,176 47,362,992

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.11     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 48.4 6.8 50.3 50 375,211 3,453 24,853,035 103 746,682
2 60.4 7.5 60.0 65 464,750 3,309 23,803,345 108 774,574
3 61.6 7.4 61.9 70 504,888 3,134 22,512,120 114 815,828
4 63.5 7.3 63.8 75 537,419 3,049 21,827,994 118 842,811
5 87.5 8.4 88.4 109 782,172 3,010 21,499,771 125 884,969
6 80.7 7.7 82.8 110 800,341 3,038 21,675,691 136 966,921
7 86.1 7.6 87.1 130 928,471 3,152 22,401,440 151 1,065,654
8 75.8 6.7 75.5 127 890,098 3,339 23,666,261 168 1,179,324
9 78.1 6.6 78.9 142 1,004,540 3,449 24,343,251 182 1,273,681
10 70.6 6.1 70.2 135 934,282 3,419 23,985,890 191 1,331,591
Total 72.6 2.3 73.1 1,013 7,222,172 32,352 230,568,798 1,395 9,882,034
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 51,504 0 21
5-9 10571.3 10571.3 11824.4 1 8,739 44 334,491 0 74
10-14 0.0 0.0 0.0 0 0 88 663,344 0 281
15-19 0.0 0.0 0.0 0 0 93 750,706 0 383
20-24 0.0 0.0 0.0 0 0 228 1,732,618 0 998
25-29 0.0 0.0 0.0 0 0 228 1,538,255 0 1,145
30-34 471.7 471.7 571.8 1 9,201 210 1,594,084 0 1,609
35-39 526.4 372.2 497.1 2 14,180 265 1,965,072 0 2,853
40-44 400.0 200.0 433.8 4 30,624 386 2,717,665 1 7,059
45-49 224.7 100.5 224.5 5 35,187 608 4,287,545 2 15,677
50-54 130.5 49.3 143.7 7 54,416 1,005 7,021,391 5 37,860
55-59 128.1 29.4 124.3 19 130,831 1,810 12,800,912 15 105,221
60-64 84.0 14.0 81.0 36 247,124 3,230 22,863,029 43 304,986
65-69 66.8 7.0 67.3 90 641,940 6,165 43,740,273 135 953,813
70-74 76.3 6.0 75.6 161 1,147,792 5,890 42,801,577 211 1,517,756
75-79 68.4 4.4 68.1 240 1,694,851 6,089 43,613,194 351 2,489,197
80-84 66.8 4.2 68.8 255 1,817,520 4,253 29,428,410 382 2,642,118
85-89 75.7 6.1 75.4 154 1,103,183 1,517 10,894,197 203 1,462,618
90-94 89.1 14.7 89.9 37 277,959 221 1,652,010 42 309,017
95-99 22.3 22.3 29.4 1 8,625 18 118,520 4 29,348
100+ 0 0 0 0 0 0
Total 72.6 2.3 73.1 1,013 7,222,172 32,352 230,568,798 1,395 9,882,034
Ultimate Experience By Attained Age
5-59 145.6 31.1 146.9 22 158,163 4,007 28,482,800 15 107,633
60-64 133.1 28.4 138.5 22 161,876 1,960 13,834,264 17 116,845
65-69 78.5 13.7 79.5 33 236,586 3,021 21,354,369 42 297,550
70-74 76.0 7.7 75.1 98 679,980 5,557 39,098,202 129 905,452
75-79 80.0 4.4 80.6 336 2,345,532 10,833 75,002,815 420 2,908,312
80-84 79.0 2.8 78.4 793 5,373,396 15,852 108,037,298 1,004 6,850,369
85-89 85.9 2.4 85.7 1,280 8,763,310 14,711 100,688,500 1,491 10,226,524
90+ 95.8 2.4 95.8 1,630 11,414,546 10,028 70,056,048 1,702 11,916,175
Total 87.4 1.3 87.4 4,214 29,133,389 65,970 456,554,297 4,819 33,328,860
GRAND TOTAL 84.1 1.2 84.1 5,227 36,355,561 98,322 687,123,095 6,215 43,210,895

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.12     TOTAL EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 38.4 4.6 24.6 70 1,630,258 5,050 184,173,057 182 6,635,395
2 44.8 4.8 35.0 86 2,469,886 4,933 181,409,258 192 7,061,458
3 60.3 5.6 55.2 117 3,815,414 4,685 166,855,629 194 6,908,156
4 71.2 6.1 50.4 137 3,537,561 4,404 159,597,378 193 7,025,437
5 70.6 6.1 56.3 133 3,901,452 4,256 151,961,084 188 6,924,404
6 69.0 6.0 54.6 132 3,691,925 4,121 142,501,723 191 6,766,201
7 56.7 5.4 36.7 112 2,416,478 4,042 134,567,040 197 6,579,335
8 64.8 5.6 58.3 132 3,803,791 3,972 126,345,348 204 6,526,153
9 65.2 5.6 54.5 134 3,507,021 3,847 119,341,130 205 6,437,657
10 72.9 6.1 56.3 142 3,282,496 3,565 105,868,380 195 5,827,692
Total 61.6 1.8 48.1 1,195 32,056,282 42,876 1,472,620,027 1,941 66,691,888
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 43 1,199,830 0 430
5-9 1726.9 1221.1 2779.6 2 199,515 324 19,480,005 0 7,178
10-14 605.4 605.4 690.0 1 44,864 389 16,400,531 0 6,502
15-19 396.0 396.0 597.3 1 53,808 515 19,401,937 0 9,008
20-24 0.0 0.0 0.0 0 0 979 37,756,208 1 24,733
25-29 366.0 211.3 1431.3 3 423,462 1,039 37,215,544 1 29,586
30-34 0.0 0.0 0.0 0 0 792 36,672,360 1 36,615
35-39 280.3 140.2 152.6 4 71,087 853 28,064,254 1 46,587
40-44 257.6 105.2 217.7 6 147,506 907 26,443,058 2 67,764
45-49 265.9 84.1 268.5 10 283,037 956 27,434,713 4 105,395
50-54 226.8 55.0 193.9 17 392,529 1,345 36,945,171 7 202,489
55-59 120.0 26.2 132.1 21 623,096 2,145 55,194,692 18 471,544
60-64 56.4 12.0 36.8 22 433,365 3,078 91,083,194 39 1,179,055
65-69 48.4 6.7 45.8 52 1,483,989 4,866 143,645,361 107 3,243,185
70-74 38.6 4.1 25.8 89 2,214,505 6,473 240,605,591 231 8,592,262
75-79 55.5 3.5 38.4 259 7,502,552 8,174 340,497,485 466 19,514,485
80-84 58.8 3.2 41.2 348 8,139,598 6,779 226,111,503 592 19,776,915
85-89 72.4 4.6 64.4 245 5,383,857 2,537 63,232,766 339 8,356,981
90-94 82.4 8.3 83.6 99 3,559,493 632 21,976,317 120 4,259,341
95-99 127.4 32.9 142.4 15 1,074,727 49 3,234,215 12 754,721
100+ 355.5 355.5 355.5 1 25,292 1 25,292 0 7,114
Total 61.6 1.8 48.1 1,195 32,056,282 42,876 1,472,620,027 1,941 66,691,888
Ultimate Experience By Attained Age
5-59 224.5 29.7 251.4 57 1,971,606 9,105 300,157,708 25 784,171
60-64 131.9 27.5 124.8 23 615,265 2,059 57,634,461 17 492,958
65-69 120.0 17.9 147.8 45 1,381,985 2,616 64,633,832 37 935,042
70-74 69.3 8.2 60.6 72 1,361,859 4,333 91,924,899 104 2,246,357
75-79 66.0 4.7 64.8 198 4,040,378 7,493 152,618,020 300 6,239,330
80-84 66.6 3.2 59.3 437 7,643,607 10,073 195,462,121 657 12,883,298
85-89 80.1 2.9 74.5 762 14,504,721 9,198 185,672,878 952 19,460,706
90+ 92.4 2.7 88.9 1,146 25,473,508 7,096 162,193,294 1,241 28,656,811
Total 82.2 1.6 79.5 2,740 56,992,929 51,972 1,210,297,213 3,333 71,698,672
GRAND TOTAL 74.6 1.2 64.3 3,935 89,049,211 94,849 2,682,917,239 5,274 138,390,560

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.13     MALE EXPERIENCE--SINGLE LIFE--RRSP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 45.5 20.3 26.9 5 1,768 588 321,552 11 6,576
2 41.2 18.4 47.4 5 3,447 578 318,650 12 7,271
3 79.3 23.9 80.5 11 7,024 568 343,708 14 8,725
4 87.4 23.3 95.2 14 9,438 607 366,949 16 9,913
5 110.6 24.1 118.0 21 13,445 669 399,419 19 11,390
6 95.9 18.5 95.4 27 15,985 881 523,215 28 16,763
7 122.5 18.1 114.2 46 26,122 1,072 654,566 38 22,878
8 98.0 14.6 105.6 45 30,003 1,221 762,398 46 28,409
9 88.5 12.4 92.3 51 33,283 1,429 899,795 58 36,043
10 81.6 10.5 84.5 60 39,449 1,694 1,078,623 74 46,699
Total 90.5 5.4 92.4 285 179,964 9,307 5,668,875 315 194,668
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0.0 0.0 0.0 0 0 4 1,180 0 1
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 12 6,213 0 9
35-39 0.0 0.0 0.0 0 0 29 8,629 0 14
40-44 0.0 0.0 0.0 0 0 23 5,540 0 19
45-49 0.0 0.0 0.0 0 0 99 45,286 1 243
50-54 0.0 0.0 0.0 0 0 143 80,906 1 677
55-59 154.3 39.8 157.8 15 9,256 790 464,326 10 5,866
60-64 124.3 21.6 135.4 33 22,237 1,337 814,000 27 16,429
65-69 88.2 8.2 90.0 116 74,685 4,060 2,559,291 132 82,967
70-74 91.3 8.6 92.3 113 68,248 2,582 1,531,053 124 73,922
75-79 12.5 12.5 9.8 1 494 115 73,509 8 5,058
80-84 71.5 29.2 74.6 6 4,401 85 58,979 8 5,901
85-89 0.0 0.0 0.0 0 0 21 13,916 4 2,508
90-94 72.8 72.8 61.0 1 643 8 6,048 1 1,053
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 90.5 5.4 92.4 285 179,964 9,307 5,668,875 315 194,668
Ultimate Experience By Attained Age
5-59 124.2 71.7 184.6 3 2,541 357 202,058 2 1,377
60-64 145.4 59.4 139.3 6 3,719 371 239,423 4 2,670
65-69 121.9 24.4 127.7 25 15,890 1,111 676,426 21 12,444
70-74 109.7 11.0 107.1 99 58,524 2,990 1,805,309 90 54,640
75-79 96.3 5.1 94.2 351 218,812 7,444 4,738,729 365 232,199
80-84 99.4 2.9 99.2 1,173 745,198 15,019 9,558,967 1,180 750,876
85-89 97.0 2.1 97.0 2,122 1,309,761 18,199 11,257,749 2,187 1,350,759
90+ 111.2 1.9 111.1 3,419 1,952,070 16,534 9,519,635 3,074 1,757,131
Total 104.0 1.2 103.5 7,198 4,306,515 62,024 37,998,296 6,924 4,162,096
GRAND TOTAL 103.4 1.2 103.0 7,483 4,486,479 71,331 43,667,171 7,239 4,356,764

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.14     MALE EXPERIENCE--SINGLE LIFE--RRSP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 55.0 10.0 56.4 30 84,879 2,375 6,343,447 55 150,621
2 59.9 10.0 55.7 36 90,870 2,349 6,190,911 60 163,104
3 55.6 9.3 54.9 36 96,293 2,362 6,232,759 65 175,242
4 110.5 12.5 117.5 78 224,353 2,404 6,306,646 71 190,915
5 72.1 9.8 73.2 54 145,120 2,409 6,220,293 75 198,124
6 79.5 9.4 78.3 72 186,744 2,692 6,927,453 91 238,580
7 86.1 9.1 84.0 90 227,451 2,973 7,548,241 105 270,720
8 86.7 8.3 84.7 108 270,521 3,353 8,481,674 125 319,295
9 96.3 8.1 89.8 143 338,165 3,788 9,528,209 149 376,598
10 86.0 7.0 89.3 150 388,469 4,227 10,515,538 174 434,918
Total 82.4 2.9 81.5 797 2,052,865 28,931 74,295,172 967 2,518,118
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0.0 0.0 0.0 0 0 7 8,792 0 5
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 9 13,167 0 11
30-34 0.0 0.0 0.0 0 0 16 42,462 0 53
35-39 0.0 0.0 0.0 0 0 32 79,263 0 185
40-44 0.0 0.0 0.0 0 0 46 107,167 0 391
45-49 121.9 121.9 71.3 1 1,568 145 377,532 1 2,199
50-54 335.4 101.1 325.6 11 29,678 385 1,061,428 3 9,115
55-59 157.6 23.2 144.1 46 109,973 2,434 6,377,061 29 76,294
60-64 95.1 9.8 96.8 95 251,103 5,262 13,607,886 100 259,273
65-69 80.6 4.6 81.7 309 774,064 12,820 31,744,487 384 947,466
70-74 74.2 5.4 68.7 187 447,852 5,495 14,229,499 252 651,732
75-79 77.7 9.0 77.4 74 222,183 1,334 4,034,776 95 286,988
80-84 64.5 9.0 66.8 51 146,646 787 2,171,819 79 219,666
85-89 96.7 20.6 108.8 22 67,829 153 427,532 23 62,356
90-94 89.7 89.7 82.6 1 1,969 5 12,300 1 2,383
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 82.4 2.9 81.5 797 2,052,865 28,931 74,295,172 967 2,518,118
Ultimate Experience By Attained Age
5-59 72.1 32.3 81.5 5 14,604 1,049 2,733,710 7 17,908
60-64 93.7 29.6 96.2 10 25,526 955 2,376,902 11 26,533
65-69 110.6 14.2 100.1 61 137,497 3,001 7,465,608 55 137,294
70-74 89.9 5.9 92.3 235 615,413 8,593 21,930,304 261 667,111
75-79 89.1 2.7 87.8 1,082 2,639,174 24,751 61,307,252 1,214 3,007,074
80-84 91.9 1.6 90.2 3,271 7,828,312 45,453 111,012,905 3,559 8,680,081
85-89 95.4 1.3 94.9 5,550 13,068,974 48,725 115,448,105 5,818 13,767,017
90+ 109.8 1.4 109.4 6,352 14,407,918 32,090 73,374,343 5,783 13,175,943
Total 99.1 0.8 98.1 16,566 38,737,418 164,617 395,649,129 16,708 39,478,962
GRAND TOTAL 98.2 0.7 97.1 17,363 40,790,283 193,548 469,944,301 17,675 41,997,080

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.15     MALE EXPERIENCE--SINGLE LIFE--RRSP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 64.4 13.7 65.1 22 157,813 1,262 9,014,812 34 242,593
2 51.6 12.2 50.0 18 123,253 1,186 8,433,218 35 246,313
3 57.0 12.4 57.2 21 148,964 1,140 8,095,368 37 260,438
4 65.4 12.8 62.7 26 177,017 1,129 8,012,960 40 282,410
5 74.5 13.4 76.0 31 226,749 1,100 7,839,734 42 298,215
6 68.8 12.4 65.1 31 210,333 1,124 7,995,141 45 322,950
7 83.5 13.0 85.4 41 298,648 1,154 8,159,183 49 349,522
8 49.7 9.6 47.3 27 182,260 1,253 8,833,598 54 385,437
9 74.3 10.8 75.0 47 337,879 1,406 9,898,006 63 450,384
10 103.3 12.3 99.1 71 480,348 1,501 10,491,065 69 484,663
Total 71.6 3.9 70.5 335 2,343,264 12,255 86,773,086 468 3,322,925
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 2 16,522 0 16
35-39 0 0 0 0 0 0
40-44 6128.4 6128.4 8013.8 1 9,103 5 36,991 0 114
45-49 564.4 564.4 856.1 1 9,769 35 231,405 0 1,141
50-54 0.0 0.0 0.0 0 0 177 1,215,176 1 10,149
55-59 105.9 29.4 109.0 13 93,848 1,051 7,359,304 12 86,121
60-64 78.4 14.1 78.6 31 220,376 2,142 15,222,692 40 280,377
65-69 80.0 7.6 77.7 110 751,389 4,658 32,843,371 138 967,222
70-74 69.6 8.2 66.3 72 484,512 2,246 15,861,469 103 730,440
75-79 66.7 9.0 67.6 55 408,315 1,124 8,228,275 83 603,723
80-84 56.9 9.2 57.1 38 272,161 651 4,619,530 67 476,836
85-89 59.9 16.6 59.2 13 87,323 153 1,045,081 22 147,604
90-94 45.1 45.1 33.7 1 6,468 11 93,270 2 19,181
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 71.6 3.9 70.5 335 2,343,264 12,255 86,773,086 468 3,322,925
Ultimate Experience By Attained Age
5-59 52.3 52.3 40.1 1 5,316 297 2,074,677 2 13,263
60-64 90.7 52.4 102.4 3 23,070 294 2,003,090 3 22,533
65-69 89.2 21.0 93.2 18 129,436 1,092 7,517,499 20 138,857
70-74 85.2 9.3 85.4 84 586,973 3,235 22,552,469 99 687,339
75-79 81.4 4.5 80.9 329 2,262,076 8,248 57,109,604 404 2,797,240
80-84 84.6 2.9 84.1 869 5,963,818 13,206 91,171,888 1,027 7,089,664
85-89 94.9 2.6 95.0 1,327 9,116,293 11,807 81,014,310 1,399 9,596,938
90+ 108.4 3.1 108.6 1,225 8,394,614 6,330 43,278,286 1,130 7,727,185
Total 94.4 1.5 94.3 3,856 26,481,596 44,508 306,721,823 4,084 28,073,019
GRAND TOTAL 92.1 1.4 91.8 4,191 28,824,860 56,764 393,494,909 4,552 31,395,944

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.16     MALE EXPERIENCE--SINGLE LIFE--RRSP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 42.9 11.1 41.1 15 296,572 1,084 20,668,340 35 721,650
2 61.2 13.0 51.5 22 377,408 1,015 19,351,767 36 732,704
3 66.4 13.6 63.2 24 453,399 935 17,403,507 36 717,472
4 62.2 13.3 58.2 22 412,983 863 16,036,099 35 710,084
5 86.5 15.5 78.9 31 556,475 829 15,159,542 36 704,975
6 70.9 14.2 72.7 25 489,626 780 14,066,694 35 673,900
7 66.4 13.8 77.1 23 494,996 745 13,147,296 35 642,247
8 63.7 13.3 59.4 23 383,748 765 13,090,290 36 645,714
9 83.8 13.6 79.2 38 629,215 903 15,345,938 45 794,714
10 91.6 14.1 100.2 42 790,614 906 15,332,616 46 788,680
Total 70.6 4.3 68.5 265 4,885,036 8,826 159,602,090 376 7,132,142
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 1 25,929 0 13
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 8 158,384 0 171
35-39 0 0 0 0 0 0
40-44 0.0 0.0 0.0 0 0 1 14,647 0 22
45-49 0.0 0.0 0.0 0 0 24 527,829 0 2,893
50-54 73.8 73.8 103.5 1 24,233 170 2,926,944 1 23,420
55-59 88.1 36.0 120.3 6 138,128 608 10,394,622 7 114,792
60-64 69.1 17.3 77.3 16 304,272 1,288 21,917,076 23 393,816
65-69 64.6 8.6 61.5 56 908,375 2,944 50,723,697 87 1,475,869
70-74 83.1 10.0 76.8 69 1,145,787 1,848 33,800,925 83 1,492,357
75-79 50.8 8.5 54.4 36 685,648 992 18,063,498 71 1,259,571
80-84 84.3 10.5 77.5 64 1,250,711 749 15,766,856 76 1,613,967
85-89 64.0 16.0 62.8 16 406,431 178 4,637,583 25 647,344
90-94 39.7 39.7 19.9 1 21,451 15 644,101 3 107,908
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 70.6 4.3 68.5 265 4,885,036 8,826 159,602,090 376 7,132,142
Ultimate Experience By Attained Age
5-59 69.4 69.4 39.2 1 12,698 208 4,465,018 1 32,399
60-64 32.3 32.3 15.5 1 12,934 275 7,440,446 3 83,407
65-69 60.1 20.0 51.3 9 166,046 823 17,932,179 15 323,871
70-74 57.5 9.9 53.0 34 584,672 1,953 36,495,436 59 1,102,924
75-79 77.1 6.1 71.7 162 2,651,848 4,309 75,936,943 210 3,698,223
80-84 77.7 4.0 77.9 381 6,737,540 6,321 111,435,541 491 8,648,052
85-89 91.2 3.8 88.5 578 9,620,381 5,342 91,593,835 634 10,872,844
90+ 101.8 4.5 97.3 520 8,884,109 2,876 51,266,590 511 9,130,449
Total 87.6 2.1 84.6 1,686 28,670,228 22,107 396,565,989 1,924 33,892,170
GRAND TOTAL 84.8 1.9 81.8 1,951 33,555,264 30,933 556,168,079 2,300 41,024,312

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.17     MALE EXPERIENCE--SINGLE LIFE--RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 0.0 0.0 0.0 0 0 112 71,736 2 1,471
2 43.3 43.3 53.3 1 817 123 77,876 2 1,533
3 156.7 78.3 183.3 4 3,064 132 83,242 3 1,671
4 99.2 57.3 77.3 3 1,560 144 91,098 3 2,018
5 78.5 45.3 68.6 3 1,680 159 101,351 4 2,451
6 129.3 52.8 128.3 6 3,862 178 113,805 5 3,011
7 123.2 46.6 118.7 7 4,218 203 126,583 6 3,553
8 131.2 43.7 136.5 9 5,919 239 150,347 7 4,337
9 102.8 36.3 89.7 8 4,074 245 149,060 8 4,542
10 116.6 35.2 106.4 11 5,829 256 154,321 9 5,477
Total 107.3 14.9 103.2 52 31,023 1,791 1,119,419 48 30,064
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0.0 0.0 0.0 0 0 1 605 0 1
30-34 0.0 0.0 0.0 0 0 9 5,202 0 7
35-39 0.0 0.0 0.0 0 0 20 14,315 0 26
40-44 0.0 0.0 0.0 0 0 5 1,936 0 5
45-49 0.0 0.0 0.0 0 0 38 23,021 0 111
50-54 647.1 457.5 700.0 2 1,154 40 20,514 0 165
55-59 212.6 80.4 213.8 7 4,341 290 176,839 3 2,031
60-64 116.5 36.8 101.3 10 5,676 456 294,245 9 5,605
65-69 80.4 19.5 85.6 17 11,118 726 453,663 21 12,994
70-74 110.8 45.2 98.9 6 3,348 110 70,505 5 3,384
75-79 274.5 122.8 256.9 5 2,184 19 9,663 2 850
80-84 58.5 29.3 53.6 4 2,338 71 45,407 7 4,360
85-89 172.3 172.3 195.6 1 864 4 2,994 1 442
90-94 0.0 0.0 0.0 0 0 1 511 0 83
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 107.3 14.9 103.2 52 31,023 1,791 1,119,419 48 30,064
Ultimate Experience By Attained Age
5-59 180.0 127.3 184.8 2 1,240 194 114,376 1 671
60-64 226.8 101.4 138.9 5 1,841 196 117,885 2 1,325
65-69 85.9 32.5 92.9 7 4,543 449 269,851 8 4,890
70-74 108.1 20.4 105.7 28 15,368 869 488,487 26 14,537
75-79 100.6 12.1 99.1 69 35,847 1,421 749,914 69 36,182
80-84 91.6 7.8 90.2 137 69,753 1,921 996,034 150 77,339
85-89 101.8 6.6 98.4 238 118,630 1,959 1,010,595 234 120,546
90+ 115.0 6.1 113.3 358 163,589 1,617 765,442 311 144,394
Total 105.4 3.6 102.7 844 410,811 8,625 4,512,584 801 399,885
GRAND TOTAL 105.5 3.5 102.8 896 441,834 10,416 5,632,003 849 429,949

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.18     MALE EXPERIENCE--SINGLE LIFE--RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 81.6 25.8 74.5 10 24,805 611 1,666,804 12 33,304
2 45.8 18.7 46.6 6 16,584 626 1,696,554 13 35,604
3 125.8 29.6 106.9 18 41,001 637 1,688,257 14 38,369
4 107.2 26.8 116.3 16 46,636 626 1,641,656 15 40,096
5 90.8 23.5 82.4 15 36,312 636 1,658,472 17 44,081
6 62.4 18.8 58.0 11 27,553 637 1,653,720 18 47,472
7 118.4 24.2 133.9 24 72,017 724 1,865,819 20 53,770
8 118.0 23.1 132.9 26 74,945 777 1,976,838 22 56,393
9 99.8 20.0 114.9 25 72,631 802 2,019,263 25 63,232
10 93.4 18.7 108.1 25 73,046 807 2,024,411 27 67,554
Total 96.2 7.3 101.2 176 485,530 6,884 17,891,793 183 479,875
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0.0 0.0 0.0 0 0 17 23,369 0 29
35-39 0.0 0.0 0.0 0 0 23 57,391 0 152
40-44 0.0 0.0 0.0 0 0 41 121,077 0 428
45-49 0.0 0.0 0.0 0 0 42 94,828 0 572
50-54 110.6 78.2 137.7 2 5,687 237 545,409 2 4,129
55-59 198.6 42.3 237.0 22 64,063 977 2,411,297 11 27,035
60-64 104.4 17.9 109.7 34 92,952 1,792 4,673,088 33 84,709
65-69 83.2 10.6 93.7 62 182,203 2,801 7,378,031 75 194,540
70-74 59.6 18.0 50.9 11 25,752 439 1,224,415 18 50,640
75-79 92.1 25.5 83.3 13 27,241 198 461,414 14 32,707
80-84 103.5 18.9 96.7 30 79,679 311 885,071 29 82,362
85-89 320.8 226.8 366.6 2 7,953 4 14,103 1 2,169
90-94 0.0 0.0 0.0 0 0 1 2,301 0 405
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 96.2 7.3 101.2 176 485,530 6,884 17,891,793 183 479,875
Ultimate Experience By Attained Age
5-59 189.0 133.7 118.7 2 2,359 173 337,282 1 1,988
60-64 138.8 62.1 100.6 5 7,630 319 666,781 4 7,588
65-69 85.7 23.8 94.6 13 32,908 831 1,907,042 15 34,796
70-74 87.9 11.9 91.1 55 136,818 2,078 4,973,044 63 150,229
75-79 86.0 6.4 82.3 179 418,015 4,331 10,564,044 208 507,638
80-84 111.2 6.0 115.3 346 866,066 4,084 9,885,661 311 751,357
85-89 97.9 5.5 99.0 322 773,453 2,782 6,607,466 329 781,256
90+ 117.8 6.3 116.7 352 819,217 1,634 3,836,202 299 701,751
Total 103.6 2.9 104.1 1,274 3,056,466 16,231 38,777,522 1,229 2,936,602
GRAND TOTAL 102.7 2.7 103.7 1,450 3,541,996 23,115 56,669,315 1,412 3,416,477

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.19     MALE EXPERIENCE--SINGLE LIFE--RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 66.4 33.2 63.5 4 27,960 309 2,234,178 6 44,001
2 47.5 27.4 54.7 3 25,261 302 2,184,419 6 46,163
3 131.4 43.8 136.8 9 67,503 304 2,173,711 7 49,349
4 60.1 30.1 64.9 4 30,656 289 2,049,438 7 47,234
5 85.9 35.1 89.7 6 44,039 278 1,963,269 7 49,093
6 75.6 30.9 66.9 6 36,901 289 2,007,455 8 55,191
7 119.2 37.7 117.7 10 69,217 293 2,047,052 8 58,786
8 94.1 33.3 107.0 8 63,603 297 2,070,080 9 59,434
9 22.5 15.9 19.4 2 12,056 308 2,134,359 9 62,135
10 115.9 33.5 115.2 12 83,093 331 2,286,008 10 72,156
Total 83.2 10.4 84.7 64 460,289 2,999 21,149,969 77 543,541
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 4 19,698 0 48
40-44 0.0 0.0 0.0 0 0 6 47,728 0 151
45-49 0.0 0.0 0.0 0 0 16 105,150 0 530
50-54 0.0 0.0 0.0 0 0 106 754,912 1 6,078
55-59 119.9 48.9 127.9 6 44,129 437 3,035,221 5 34,514
60-64 32.4 14.5 25.7 5 27,728 839 5,882,323 15 108,036
65-69 126.6 20.8 126.3 37 264,020 1,131 8,090,680 29 209,007
70-74 51.3 21.0 58.9 6 47,247 275 1,901,321 12 80,269
75-79 59.6 34.4 51.1 3 17,515 78 517,940 5 34,250
80-84 68.4 27.9 78.5 6 50,260 101 743,570 9 64,050
85-89 127.8 127.8 142.1 1 9,390 6 51,426 1 6,608
90-94 0 0 0 0 0 0
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 83.2 10.4 84.7 64 460,289 2,999 21,149,969 77 543,541
Ultimate Experience By Attained Age
5-59 496.5 496.5 635.6 1 8,487 29 185,074 0 1,335
60-64 120.4 120.4 88.0 1 5,523 73 548,654 1 6,277
65-69 56.1 32.4 54.9 3 20,834 291 2,074,214 5 37,966
70-74 85.1 18.6 86.5 21 151,447 815 5,774,214 25 175,167
75-79 85.2 10.4 83.4 67 461,966 1,643 11,577,293 79 554,101
80-84 82.2 8.7 85.9 89 635,121 1,422 9,726,286 108 739,257
85-89 101.3 9.7 100.7 108 735,073 907 6,198,588 107 729,869
90+ 106.0 12.3 105.1 74 515,409 395 2,776,169 70 490,338
Total 92.3 4.8 92.7 364 2,533,860 5,575 38,860,492 394 2,734,311
GRAND TOTAL 90.8 4.4 91.3 428 2,994,149 8,574 60,010,461 471 3,277,852

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.20     MALE EXPERIENCE--SINGLE LIFE--RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 46.0 26.6 34.1 3 47,092 312 6,222,225 7 138,145
2 106.1 40.1 139.1 7 197,774 300 5,939,249 7 142,201
3 60.6 30.3 53.3 4 75,339 279 5,440,932 7 141,480
4 58.5 29.3 37.8 4 55,783 258 5,018,010 7 147,393
5 85.0 34.7 107.5 6 161,792 247 4,734,982 7 150,457
6 94.6 35.8 92.1 7 143,950 244 4,596,250 7 156,234
7 94.1 35.6 96.3 7 150,395 248 4,582,074 7 156,193
8 59.5 26.6 41.0 5 72,096 275 5,180,156 8 176,009
9 86.2 30.5 60.6 8 110,874 302 5,610,209 9 183,059
10 98.0 31.0 90.8 10 187,463 314 6,097,983 10 206,377
Total 79.9 10.2 75.3 61 1,202,558 2,779 53,422,070 76 1,597,548
Select Experience By Issue Age
0-4 0 0 0 0 0 0
5-9 0 0 0 0 0 0
10-14 0 0 0 0 0 0
15-19 0 0 0 0 0 0
20-24 0 0 0 0 0 0
25-29 0 0 0 0 0 0
30-34 0 0 0 0 0 0
35-39 0.0 0.0 0.0 0 0 6 71,244 0 181
40-44 0 0 0 0 0 0
45-49 0.0 0.0 0.0 0 0 27 392,438 0 2,217
50-54 428.1 302.7 289.5 2 25,753 65 1,216,833 0 8,897
55-59 118.4 48.4 129.4 6 114,807 439 7,499,472 5 88,694
60-64 80.7 23.3 66.9 12 181,084 838 15,397,546 15 270,609
65-69 87.7 19.1 109.4 21 515,181 894 17,486,597 24 470,777
70-74 47.7 21.3 52.4 5 104,331 246 4,650,183 10 199,172
75-79 85.0 32.1 78.3 7 143,715 125 2,810,442 8 183,661
80-84 55.2 20.9 27.9 7 102,687 137 3,856,645 13 367,486
85-89 0.0 0.0 0.0 0 0 2 27,145 0 3,518
90-94 642.2 642.2 642.2 1 15,000 1 13,525 0 2,336
95-99 0 0 0 0 0 0
100+ 0 0 0 0 0 0
Total 79.9 10.2 75.3 61 1,202,558 2,779 53,422,070 76 1,597,548
Ultimate Experience By Attained Age
5-59 0.0 0.0 0.0 0 0 19 314,457 0 2,365
60-64 106.1 106.1 63.8 1 10,027 83 1,375,219 1 15,704
65-69 85.0 34.7 85.6 6 118,398 386 7,520,032 7 138,382
70-74 84.7 18.1 82.2 22 430,265 861 17,406,539 26 523,684
75-79 68.5 9.2 68.8 56 1,120,986 1,702 33,884,935 82 1,628,272
80-84 88.1 8.7 79.1 102 2,005,034 1,524 33,201,101 116 2,536,296
85-89 90.2 10.1 83.9 80 1,723,769 759 17,588,366 89 2,053,509
90+ 115.1 15.5 105.4 55 1,103,326 277 6,086,475 48 1,046,559
Total 87.5 4.9 82.0 322 6,511,805 5,609 117,377,124 368 7,944,772
GRAND TOTAL 86.2 4.4 80.8 383 7,714,363 8,388 170,799,195 444 9,542,320

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.21     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--< $1,000
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 50.7 16.0 39.1 10 5,162 856 552,133 20 13,205
2 66.9 17.3 55.6 15 8,451 900 582,410 22 15,193
3 95.0 19.4 98.2 24 16,917 963 626,587 25 17,231
4 74.0 16.1 81.9 21 15,820 996 648,600 28 19,313
5 86.6 16.1 87.3 29 19,691 1,109 715,518 33 22,547
6 69.0 12.8 78.1 29 21,601 1,357 854,770 42 27,648
7 71.7 11.6 71.8 38 24,720 1,677 1,049,319 53 34,432
8 72.1 10.4 69.1 48 29,720 2,039 1,276,721 67 43,014
9 93.2 10.6 93.1 77 49,037 2,389 1,489,381 83 52,663
10 92.8 9.6 95.4 94 60,725 2,794 1,731,885 101 63,676
Total 81.1 4.1 81.5 385 251,844 15,079 9,527,325 475 308,921
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 8 3,952 0 2
5-9 0 0 0 0 0 0
10-14 0.0 0.0 0.0 0 0 24 20,191 0 10
15-19 0.0 0.0 0.0 0 0 28 14,168 0 8
20-24 0.0 0.0 0.0 0 0 37 15,459 0 10
25-29 0.0 0.0 0.0 0 0 19 5,943 0 6
30-34 0.0 0.0 0.0 0 0 41 21,808 0 29
35-39 0.0 0.0 0.0 0 0 56 27,643 0 66
40-44 0.0 0.0 0.0 0 0 144 74,682 1 307
45-49 0.0 0.0 0.0 0 0 417 237,087 3 1,511
50-54 79.1 35.4 67.8 5 2,534 721 423,706 6 3,738
55-59 88.9 24.7 96.1 13 8,204 1,129 658,548 15 8,538
60-64 73.0 12.0 75.6 37 23,845 2,571 1,602,429 51 31,527
65-69 81.9 6.4 84.3 166 109,581 7,210 4,629,371 203 130,062
70-74 94.3 11.4 94.0 69 44,057 1,474 949,174 73 46,859
75-79 72.7 12.1 68.0 36 23,414 625 435,497 50 34,430
80-84 74.3 15.5 69.5 23 15,839 276 203,840 31 22,791
85-89 77.6 14.2 81.7 30 21,990 281 195,131 39 26,915
90-94 128.4 57.4 105.5 5 1,496 16 6,041 4 1,418
95-99 127.5 127.5 127.5 1 884 3 2,652 1 693
100+ 0 0 0 0 0 0
Total 81.1 4.1 81.5 385 251,844 15,079 9,527,325 475 308,921
Ultimate Experience By Attained Age
5-59 95.9 23.2 99.1 17 9,150 2,979 1,501,288 18 9,234
60-64 86.0 16.9 90.1 26 15,334 2,719 1,528,623 30 17,024
65-69 80.6 10.0 80.4 65 37,353 4,489 2,584,667 81 46,445
70-74 72.3 5.4 73.2 176 105,466 8,125 4,802,387 243 144,048
75-79 71.3 3.0 70.7 580 352,502 16,881 10,331,987 814 498,305
80-84 84.9 2.5 83.4 1,199 717,028 18,347 11,189,401 1,412 860,159
85-89 99.1 2.5 97.2 1,634 939,137 13,936 8,175,884 1,649 966,252
90+ 105.5 2.4 106.4 1,917 1,020,776 9,520 5,136,366 1,817 959,381
Total 92.6 1.2 91.3 5,614 3,196,746 76,996 45,250,603 6,064 3,500,848
GRAND TOTAL 91.7 1.2 90.5 5,999 3,448,590 92,075 54,777,927 6,539 3,809,769

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.22     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$1,000-$4,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 66.3 9.6 61.2 48 114,652 2,637 6,639,663 72 187,296
2 87.8 10.6 80.6 69 162,099 2,664 6,599,417 79 201,084
3 78.6 9.5 79.9 69 174,641 2,669 6,483,999 88 218,653
4 67.6 8.5 70.2 63 161,861 2,637 6,367,257 93 230,728
5 72.7 8.4 70.4 75 178,560 2,704 6,492,826 103 253,780
6 70.0 7.7 67.3 82 191,758 2,902 6,842,936 117 285,001
7 80.5 7.7 83.0 110 274,127 3,177 7,386,932 137 330,128
8 84.3 7.3 84.4 132 316,360 3,455 7,930,986 157 374,834
9 75.4 6.7 75.1 128 300,408 3,630 8,212,495 170 400,228
10 79.5 6.5 82.8 150 362,952 3,890 8,668,142 189 438,457
Total 76.9 2.5 76.6 926 2,237,418 30,365 71,624,653 1,204 2,920,187
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 9 13,401 0 6
5-9 0.0 0.0 0.0 0 0 9 13,401 0 6
10-14 0.0 0.0 0.0 0 0 12 26,861 0 14
15-19 4524.1 4524.1 3187.7 1 1,877 37 94,270 0 59
20-24 0.0 0.0 0.0 0 0 52 157,779 0 120
25-29 2003.5 1416.7 2749.0 2 5,820 110 228,958 0 212
30-34 0.0 0.0 0.0 0 0 83 210,899 0 261
35-39 649.9 459.6 591.1 2 4,435 135 334,888 0 750
40-44 457.8 228.9 452.1 4 10,831 247 687,122 1 2,396
45-49 295.5 120.6 376.1 6 18,402 363 900,365 2 4,893
50-54 238.5 68.8 214.5 12 26,582 634 1,598,636 5 12,390
55-59 78.5 19.6 86.6 16 42,075 1,759 4,221,575 20 48,600
60-64 72.1 10.2 74.7 50 118,926 3,753 8,805,490 69 159,304
65-69 76.2 4.5 74.1 285 604,274 13,727 29,758,084 374 814,984
70-74 70.8 5.8 66.4 147 358,490 4,347 11,352,895 208 540,282
75-79 70.7 5.9 69.0 142 367,184 2,650 7,038,165 201 532,066
80-84 75.7 6.7 83.1 129 377,892 1,497 4,037,184 170 454,570
85-89 92.4 9.2 94.2 101 226,250 746 1,636,921 109 240,305
90-94 62.3 12.5 62.9 25 64,374 184 482,054 40 102,422
95-99 127.0 63.5 152.8 4 10,006 12 25,706 3 6,547
100+ 0 0 0 0 0 0
Total 76.9 2.5 76.6 926 2,237,418 30,365 71,624,653 1,204 2,920,187
Ultimate Experience By Attained Age
5-59 96.4 20.1 98.4 23 56,293 4,112 10,220,047 24 57,180
60-64 101.6 19.9 114.2 26 67,085 2,310 5,300,133 26 58,750
65-69 73.1 10.1 80.9 52 130,089 3,929 8,889,257 71 160,817
70-74 65.2 5.0 67.6 172 398,477 8,729 19,494,382 264 589,775
75-79 75.5 2.7 73.9 807 1,715,988 22,045 47,822,289 1,069 2,322,093
80-84 86.0 2.0 86.0 1,795 4,000,430 27,055 60,254,589 2,088 4,652,973
85-89 91.0 1.9 91.1 2,272 5,167,237 21,105 47,913,539 2,496 5,670,137
90+ 108.6 2.3 107.9 2,221 5,038,951 11,379 26,015,645 2,046 4,670,372
Total 91.1 1.1 91.2 7,368 16,574,550 100,664 225,909,882 8,084 18,182,096
GRAND TOTAL 89.3 1.0 89.1 8,294 18,811,968 131,029 297,534,535 9,287 21,102,284

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.23     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$5,000-$9,999
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 57.5 12.0 61.5 23 177,399 1,276 9,172,955 40 288,418
2 62.6 12.5 65.0 25 185,530 1,183 8,484,079 40 285,479
3 78.8 13.9 75.0 32 216,577 1,076 7,673,882 41 288,757
4 59.6 11.9 62.1 25 184,429 1,061 7,550,559 42 297,053
5 97.2 15.0 101.4 42 307,571 1,046 7,430,801 43 303,422
6 62.4 11.6 64.9 29 211,277 1,032 7,320,336 46 325,466
7 81.3 12.5 82.6 42 298,724 1,077 7,631,205 52 361,806
8 73.3 11.3 73.3 42 294,281 1,145 8,111,679 57 401,568
9 77.6 11.2 81.1 48 351,929 1,168 8,267,371 62 433,715
10 65.5 10.1 64.6 42 289,185 1,158 8,166,612 64 447,771
Total 71.9 3.8 73.3 350 2,516,902 11,221 79,809,479 487 3,433,455
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 7 51,504 0 21
5-9 0.0 0.0 0.0 0 0 6 49,569 0 22
10-14 0.0 0.0 0.0 0 0 59 451,112 0 233
15-19 0.0 0.0 0.0 0 0 50 424,991 0 271
20-24 0.0 0.0 0.0 0 0 111 811,419 0 614
25-29 0.0 0.0 0.0 0 0 116 784,172 0 736
30-34 751.8 751.8 927.2 1 9,201 102 758,432 0 992
35-39 446.3 446.3 415.8 1 7,280 118 924,000 0 1,751
40-44 409.5 236.4 402.4 3 21,004 220 1,579,679 1 5,220
45-49 85.3 85.3 113.3 1 9,185 224 1,540,405 1 8,106
50-54 141.4 70.7 160.8 4 32,890 366 2,634,706 3 20,459
55-59 122.2 38.7 116.1 10 67,879 734 5,263,960 8 58,463
60-64 69.5 16.9 66.9 17 117,122 1,384 9,864,615 24 175,095
65-69 57.4 8.5 58.1 46 328,745 2,888 20,426,128 80 565,419
70-74 79.7 9.2 80.6 75 542,529 2,040 14,714,319 94 673,438
75-79 62.4 7.6 62.8 68 478,731 1,474 10,318,159 109 761,808
80-84 70.5 8.4 74.6 71 521,104 920 6,355,711 101 698,649
85-89 76.2 12.5 77.2 37 267,902 319 2,293,978 49 347,021
90-94 96.2 24.8 97.9 15 104,705 77 528,121 16 106,993
95-99 105.9 105.9 105.9 1 8,625 4 34,500 1 8,142
100+ 0 0 0 0 0 0
Total 71.9 3.8 73.3 350 2,516,902 11,221 79,809,479 487 3,433,455
Ultimate Experience By Attained Age
5-59 152.8 38.2 155.5 16 117,051 2,124 15,365,428 10 75,293
60-64 109.2 32.9 113.4 11 81,215 910 6,474,603 10 71,597
65-69 74.2 17.0 72.7 19 132,534 1,419 10,095,674 26 182,262
70-74 64.8 8.9 64.0 53 366,010 2,712 18,978,335 82 572,006
75-79 76.9 5.5 78.0 195 1,372,932 5,226 36,273,589 254 1,759,977
80-84 76.4 3.8 76.3 408 2,793,482 6,898 47,341,851 534 3,663,504
85-89 87.1 3.6 86.6 571 3,946,993 5,547 38,499,727 656 4,556,596
90+ 95.7 4.1 95.3 535 3,805,473 3,067 21,837,999 559 3,992,120
Total 84.9 2.0 84.8 1,808 12,615,690 27,904 194,867,205 2,131 14,873,355
GRAND TOTAL 82.4 1.8 82.7 2,158 15,132,592 39,125 274,676,684 2,618 18,306,810

Thomson Data Analysis Fri Apr 10 13:39:42 2015


TABLE 6.24     MALE EXPERIENCE--SINGLE LIFE--NEITHER RRSP NOR RPP--$10,000+
CANADIAN ANNUITY EXPERIENCE
BETWEEN POLICY ANNIVERSARIES IN 2003 AND 2012
EXPECTED SOA MORTALITY TABLES FROM 1983
RATIO A/E ACTUAL DEATHS EXPOSURES EXPECTED DEATHS
NUMBER %   S.D.   AMOUNT % NUMBER $ NUMBER $ NUMBER $
Select Experience By Duration
1 37.9 7.2 17.8 28 577,572 1,986 83,569,420 74 3,236,083
2 35.1 6.8 27.2 27 939,035 1,919 81,444,821 77 3,447,437
3 61.2 8.9 66.0 47 2,197,197 1,813 75,498,305 77 3,331,608
4 57.9 8.8 33.4 43 1,082,916 1,718 71,966,673 74 3,241,295
5 74.4 10.2 57.6 53 1,827,466 1,678 69,496,932 71 3,170,682
6 70.4 10.1 47.8 49 1,396,199 1,626 64,658,000 70 2,919,569
7 58.3 9.0 35.4 42 1,000,183 1,614 61,430,702 72 2,828,198
8 53.6 8.6 44.1 39 1,211,172 1,565 57,048,016 73 2,746,715
9 70.1 9.6 69.8 53 1,974,121 1,557 55,559,059 76 2,830,040
10 64.6 9.4 45.5 47 1,164,065 1,483 50,095,164 73 2,558,072
Total 58.2 2.8 44.1 428 13,369,926 16,959 670,767,092 736 30,309,700
Select Experience By Issue Age
0-4 0.0 0.0 0.0 0 0 34 921,700 0 385
5-9 0.0 0.0 0.0 0 0 201 12,967,008 0 6,008
10-14 787.2 787.2 973.1 1 44,864 240 8,773,926 0 4,610
15-19 603.8 603.8 1058.9 1 53,808 258 7,942,287 0 5,081
20-24 0.0 0.0 0.0 0 0 600 23,847,451 0 18,697
25-29 484.7 279.9 1860.6 3 423,462 665 24,420,981 1 22,760
30-34 0.0 0.0 0.0 0 0 491 22,036,137 1 26,667
35-39 91.0 91.0 46.7 1 17,310 529 18,565,097 1 37,062
40-44 246.0 123.0 211.3 4 103,268 489 14,996,052 2 48,884
45-49 161.7 80.8 194.7 4 138,497 460 13,347,941 2 71,127
50-54 277.2 76.9 207.7 13 267,587 622 17,332,632 5 128,829
55-59 115.5 33.3 112.7 12 355,800 978 29,319,884 10 315,720
60-64 68.3 17.6 39.9 15 305,890 1,318 46,500,958 22 765,979
65-69 45.0 8.1 45.6 31 1,042,100 2,446 82,243,534 69 2,285,877
70-74 34.4 5.3 24.9 42 1,304,938 2,695 115,000,758 122 5,233,670
75-79 48.1 5.1 28.7 88 2,974,188 2,532 149,186,118 183 10,375,791
80-84 53.4 6.0 38.8 80 2,154,174 1,415 53,077,715 150 5,551,318
85-89 71.7 8.1 59.8 79 1,638,498 697 17,362,430 110 2,737,749
90-94 88.4 13.0 82.6 46 1,771,313 263 10,626,356 52 2,144,006
95-99 135.2 47.8 146.2 8 774,229 25 2,298,128 6 529,480
100+ 0 0 0 0 0 0
Total 58.2 2.8 44.1 428 13,369,926 16,959 670,767,092 736 30,309,700
Ultimate Experience By Attained Age
5-59 169.8 31.5 204.3 29 1,065,934 4,871 159,044,523 17 521,847
60-64 129.0 34.5 139.0 14 444,019 985 29,002,017 11 319,429
65-69 99.4 19.9 120.8 25 790,513 1,396 36,679,062 25 654,519
70-74 58.6 9.0 49.1 42 796,381 2,387 54,180,141 72 1,621,015
75-79 64.4 5.6 63.9 130 2,850,943 4,176 92,314,769 202 4,459,282
80-84 65.9