{"data":{"id":"us/26-cfr-1.72-9","jurisdiction":"us","citation":"26 CFR 1.72-9","heading":"-9 Tables.","body":"The following tables are to be used in connection with computations under section 72 and the regulations thereunder. Tables I, II, IIA, III, and IV are to be used if the investment in the contract does not include a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)). Tables V, VI, VIA, VII, and VIII are to be used if the investment in the contract includes a post-June 1986 investment in the contract (as defined in § 1.72-6(d)(3)).\nIn the case of a contract under which amounts are received as an annuity after June 30, 1986, a taxpayer receiving such amounts may elect to treat the entire investment in the contract as post-June 1986 investment in the contract and thus apply Tables V through VIII. A taxpayer may make the election for any taxable year in which such amounts are received by attaching to the taxpayer's return for such taxable year a statement that the taxpayer is electing under § 1.72-9 to treat the entire investment in the contract as post-June 1986 investment in the contract. The statement must contain the taxpayer's name, address, and taxpayer identification number. The election is irrevocable and applies with respect to all amounts that the taxpayer receives as an annuity under the contract in the taxable year for which the election is made or in any subsequent taxable year. (Note that for purposes of the examples in §§ 1.72-4 through 1.72-11 the election described in this section is disregarded (i.e., it assumed that the taxpayer does not make an election under this section).) See also § 1.72-6(d)(3) for rules treating the entire investment in a contract as post-June 1986 investment in a contract if the annuity starting date of the contract is after June 30, 1986, and the contract provides for a disqualifying form of payment or settlement, such as an option to receive a lump sum in full discharge of the obligation under the contract. In addition, see § 1.72-6(d) for special rules concerning the tables to be used and the separate computations required if the investment in the contract includes both a pre-July 1986 investment in the contract and a post-June 1986 investment in the contract and the election described in § 1.72-6(d)(6) is made with respect to the contract.\nTable I—Ordinary Life Annuities—One Life—Expected Return Multiples\nAges Multiples\nMale Female\n6 11 65.0\n7 12 64.1\n8 13 63.2\n9 14 62.3\n10 15 61.4\n11 16 60.4\n12 17 59.5\n13 18 58.6\n14 19 57.7\n15 20 56.7\n16 21 55.8\n17 22 54.9\n18 23 53.9\n19 24 53.0\n20 25 52.1\n21 26 51.1\n22 27 50.2\n23 28 49.3\n24 29 48.3\n25 30 47.4\n26 31 46.5\n27 32 45.6\n28 33 44.6\n29 34 43.7\n30 35 42.8\n31 36 41.9\n32 37 41.0\n33 38 40.0\n34 39 39.1\n35 40 38.2\n36 41 37.3\n37 42 36.5\n38 43 35.6\n39 44 34.7\n40 45 33.8\n41 46 33.0\n42 47 32.1\n43 48 31.2\n44 49 30.4\n45 50 29.6\n46 51 28.7\n47 52 27.9\n48 53 27.1\n49 54 26.3\n50 55 25.5\n51 56 24.7\n52 57 24.0\n53 58 23.2\n54 59 22.4\n55 60 21.7\n56 61 21.0\n57 62 20.3\n58 63 19.6\n59 64 18.9\n60 65 18.2\n61 66 17.5\n62 67 16.9\n63 68 16.2\n64 69 15.6\n65 70 15.0\n66 71 14.4\n67 72 13.8\n68 73 13.2\n69 74 12.6\n70 75 12.1\n71 76 11.6\n72 77 11.0\n73 78 10.5\n74 79 10.1\n75 80 9.6\n76 81 9.1\n77 82 8.7\n78 83 8.3\n79 84 7.8\n80 85 7.5\n81 86 7.1\n82 87 6.7\n83 88 6.3\n84 89 6.0\n85 90 5.7\n86 91 5.4\n87 92 5.1\n88 93 4.8\n89 94 4.5\n90 95 4.2\n91 96 4.0\n92 97 3.7\n93 98 3.5\n94 99 3.3\n95 100 3.1\n96 101 2.9\n97 102 2.7\n98 103 2.5\n99 104 2.3\n100 105 2.1\n101 106 1.9\n102 107 1.7\n103 108 1.5\n104 109 1.3\n105 110 1.2\n106 111 1.0\n107 112 .8\n108 113 .7\n109 114 .6\n110 115 .5\n111 116 0\nTable II—Ordinary Joint Life and Last Survivor Annuities—Two Lives—Expected Return Multiples\nMale Female Ages\nMale 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20\nFemale 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25\n6 11 73.5 73.0 72.6 72.2 71.8 71.4 71.0 70.7 70.4 70.0 69.7 69.5 69.2 68.9 68.7\n7 12 73.0 72.6 72.1 71.7 71.3 70.9 70.5 70.1 69.8 69.4 69.1 68.8 68.5 68.3 68.0\n8 13 72.6 72.1 71.6 71.2 70.8 70.4 70.0 69.6 69.2 68.9 68.5 68.2 67.9 67.6 67.3\n9 14 72.2 71.7 71.2 70.7 70.3 69.9 69.4 69.0 68.7 68.3 67.9 67.6 67.3 67.0 66.7\n10 15 71.8 71.3 70.8 70.3 69.8 69.4 68.9 68.5 68.1 67.7 67.4 67.0 66.7 66.4 66.1\n11 16 71.4 70.9 70.4 69.9 69.4 68.9 68.5 68.0 67.6 67.2 66.8 66.5 66.1 65.8 65.4\n12 17 71.0 70.5 70.0 69.4 68.9 68.5 68.0 67.5 67.1 66.7 66.3 65.9 65.5 65.2 64.8\n13 18 70.7 70.1 69.6 69.0 68.5 68.0 67.5 67.1 66.6 66.2 65.8 65.4 65.0 64.6 64.2\n14 19 70.4 69.8 69.2 68.7 68.1 67.6 67.1 66.6 66.1 65.7 65.3 64.8 64.4 64.0 63.7\n15 20 70.0 69.4 68.9 68.3 67.7 67.2 66.7 66.2 65.7 65.2 64.8 64.3 63.9 63.5 63.1\n16 21 69.7 69.1 68.5 67.9 67.4 66.8 66.3 65.8 65.3 64.8 64.3 63.8 63.4 63.0 62.6\n17 22 69.5 68.8 68.2 67.6 67.0 66.5 65.9 65.4 64.8 64.3 63.8 63.4 62.9 62.5 62.0\n18 23 69.2 68.5 67.9 67.3 66.7 66.1 65.5 65.0 64.4 63.9 63.4 62.9 62.4 62.0 61.5\n19 24 68.9 68.3 67.6 67.0 66.4 65.8 65.2 64.6 64.0 63.5 63.0 62.5 62.0 61.5 61.0\n20 25 68.7 68.0 67.3 66.7 66.1 65.4 64.8 64.2 63.7 63.1 62.6 62.0 61.5 61.0 60.6\nMale Female Ages\nMale 21 22 23 24 25 26 27 28 29 30 31 32 33 34\nFemale 26 27 28 29 30 31 32 33 34 35 36 37 38 39\n6 11 68.4 68.2 68.0 67.8 67.6 67.5 67.3 67.1 67.0 66.8 66.7 66.6 66.5 66.4\n7 12 67.8 67.5 67.3 67.1 66.9 66.7 66.5 66.4 66.2 66.1 65.9 65.8 65.7 65.6\n8 13 67.1 66.8 66.6 66.4 66.2 66.0 65.8 65.6 65.4 65.3 65.1 65.0 64.9 64.7\n9 14 66.4 66.2 65.9 65.7 65.4 65.2 65.0 64.8 64.7 64.5 64.3 64.2 64.1 63.9\n10 15 65.8 65.5 65.2 65.0 64.7 64.5 64.3 64.1 63.9 63.7 63.6 63.4 63.3 63.1\n11 16 65.1 64.8 64.6 64.3 64.1 63.8 63.6 63.4 63.2 63.0 62.8 62.6 62.5 62.3\n12 17 64.5 64.2 63.9 63.6 63.4 63.1 62.9 62.7 62.4 62.2 62.0 61.9 61.7 61.5\n13 18 63.9 63.6 63.3 63.0 62.7 62.4 62.2 61.9 61.7 61.5 61.3 61.1 60.9 60.8\n14 19 63.3 63.0 62.7 62.3 62.0 61.8 61.5 61.2 61.0 60.8 60.6 60.4 60.2 60.0\n15 20 62.7 62.4 62.0 61.7 61.4 61.1 60.8 60.6 60.3 60.1 59.8 59.6 59.4 59.2\n16 21 62.2 61.8 61.4 61.1 60.8 60.5 60.2 59.9 59.6 59.4 59.1 58.9 58.7 58.5\n17 22 61.6 61.2 60.9 60.5 60.2 59.8 59.5 59.2 58.9 58.7 58.4 58.2 57.9 57.7\n18 23 61.1 60.7 60.3 59.9 59.6 59.2 58.9 58.6 58.3 58.0 57.7 57.5 57.2 57.0\n19 24 60.6 60.2 59.7 59.4 59.0 58.6 58.3 57.9 57.6 57.3 57.0 56.8 56.5 56.3\n20 25 60.1 59.6 59.2 58.8 58.4 58.0 57.7 57.3 57.0 56.7 56.4 56.1 55.8 55.6\n21 26 59.6 59.1 58.7 58.3 57.9 57.5 57.1 56.7 56.4 56.0 55.7 55.4 55.1 54.9\n22 27 59.1 58.7 58.2 57.7 57.3 56.9 56.5 56.1 55.8 55.4 55.1 54.8 54.5 54.2\n23 28 58.7 58.2 57.7 57.2 56.8 56.4 55.9 55.5 55.2 54.8 54.4 54.1 53.8 53.5\n24 29 58.3 57.7 57.2 56.8 56.3 55.8 55.4 55.0 54.6 54.2 53.8 53.5 53.2 52.8\n25 30 57.9 57.3 56.8 56.3 55.8 55.3 54.9 54.4 54.0 53.6 53.2 52.9 52.5 52.2\n26 31 57.5 56.9 56.4 55.8 55.3 54.8 54.4 53.9 53.5 53.1 52.7 52.3 51.9 51.6\n27 32 57.1 56.5 55.9 55.4 54.9 54.4 53.9 53.4 53.0 52.5 52.1 51.7 51.3 50.9\n28 33 56.7 56.1 55.5 55.0 54.4 53.9 53.4 52.9 52.4 52.0 51.6 51.1 50.7 50.3\n29 34 56.4 55.8 55.2 54.6 54.0 53.5 53.0 52.4 52.0 51.5 51.0 50.6 50.2 49.3\n30 35 56.0 55.4 54.8 54.2 53.6 53.1 52.5 52.0 51.5 51.0 50.5 50.1 49.6 49.2\n31 36 55.7 55.1 54.4 53.8 53.2 52.7 52.1 51.6 51.0 50.5 50.0 49.5 49.1 48.7\n32 37 55.4 54.8 54.1 53.5 52.9 52.3 51.7 51.1 50.6 50.1 49.5 49.1 48.6 48.1\n33 38 55.1 54.5 53.8 53.2 52.5 51.9 51.3 50.7 50.2 49.6 49.1 48.6 48.1 47.6\n34 39 54.9 54.2 53.5 52.8 52.2 51.6 50.9 50.3 49.8 49.2 48.7 48.1 47.6 47.1\nMale Female Ages\nMale 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49\nFemale 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54\n6 11 66.3 66.2 66.1 66.0 65.9 65.9 65.8 65.7 65.7 65.6 65.6 65.5 65.5 65.5 65.4\n7 12 65.4 65.3 65.3 65.2 65.1 65.0 64.9 64.9 64.8 64.8 64.7 64.7 64.6 64.6 64.5\n8 13 64.6 64.5 64.4 64.3 64.2 64.2 64.1 64.0 64.0 63.9 63.8 63.8 63.7 63.7 63.7\n9 14 63.8 63.7 63.6 63.5 63.4 63.3 63.2 63.2 63.1 63.0 63.0 62.9 62.9 62.8 62.8\n10 15 63.0 62.9 62.8 62.7 62.6 62.5 62.4 62.3 62.2 62.2 62.1 62.0 62.0 61.9 61.9\n11 16 62.2 62.1 61.9 61.8 61.7 61.6 61.5 61.4 61.4 61.3 61.2 61.2 61.1 61.0 61.0\n12 17 61.4 61.3 61.1 61.0 60.9 60.8 60.7 60.6 60.5 60.4 60.4 60.3 60.2 60.2 60.1\n13 18 60.6 60.5 60.3 60.2 60.1 60.0 59.9 59.8 59.7 59.6 59.5 59.4 59.4 59.3 59.2\n14 19 59.8 59.7 59.5 59.4 59.3 59.1 59.0 58.9 58.8 58.7 58.6 58.6 58.5 58.4 58.4\n15 20 59.0 58.9 58.7 58.6 58.4 58.3 58.2 58.1 58.0 57.9 57.8 57.7 57.6 57.6 57.5\n16 21 58.3 58.1 57.9 57.8 57.6 57.5 57.4 57.2 57.1 57.0 56.9 56.8 56.8 56.7 56.6\n17 22 57.5 57.3 57.2 57.0 56.8 56.7 56.6 56.4 56.3 56.2 56.1 56.0 55.9 55.8 55.7\n18 23 56.8 56.6 56.4 56.2 56.0 55.9 55.7 55.6 55.5 55.4 55.2 55.1 55.1 55.0 54.9\n19 24 56.0 55.8 55.6 55.4 55.3 55.1 54.9 54.8 54.7 54.5 54.4 54.3 54.2 54.1 54.0\n20 25 55.3 55.1 54.9 54.7 54.5 54.3 54.1 54.0 53.8 53.7 53.6 53.5 53.4 53.3 53.2\n21 26 54.6 54.4 54.1 53.9 53.7 53.5 53.4 53.2 53.0 52.9 52.8 52.6 52.5 52.4 52.3\n22 27 53.9 53.6 53.4 53.2 53.0 52.8 52.6 52.4 52.2 52.1 51.9 51.8 51.7 51.6 51.5\n23 28 53.2 52.9 52.7 52.5 52.2 52.0 51.8 51.6 51.5 51.3 51.1 51.0 50.9 50.7 50.6\n24 29 52.5 52.3 52.0 51.7 51.5 51.3 51.1 50.9 50.7 50.5 50.3 50.2 50.0 49.9 49.8\n25 30 51.9 51.6 51.3 51.0 50.8 50.5 50.3 50.1 49.9 49.7 49.6 49.4 49.2 49.1 49.0\n26 31 51.2 50.9 50.6 50.3 50.1 49.8 49.6 49.4 49.2 49.0 48.8 48.6 48.4 48.3 48.1\n27 32 50.6 50.3 50.0 49.7 49.4 49.1 48.9 48.6 48.4 48.2 48.0 47.8 47.6 47.5 47.3\n28 33 50.0 49.6 49.3 49.0 48.7 48.4 48.2 47.9 47.7 47.5 47.2 47.1 46.9 46.7 46.5\n29 34 49.4 49.0 48.7 48.3 48.0 47.7 47.5 47.2 47.0 46.7 46.5 46.3 46.1 45.9 45.7\n30 35 48.8 48.4 48.1 47.7 47.4 47.1 46.8 46.5 46.2 46.0 45.8 45.5 45.3 45.2 45.0\n31 36 48.2 47.8 47.5 47.1 46.8 46.4 46.1 45.8 45.6 45.3 45.0 44.8 44.6 44.4 44.2\n32 37 47.7 47.3 46.9 46.5 46.1 45.8 45.5 45.2 44.9 44.6 44.3 44.1 43.9 43.7 43.4\n33 38 47.2 46.7 46.3 45.9 45.5 45.2 44.8 44.5 44.2 43.9 43.7 43.4 43.2 42.9 42.7\n34 39 46.7 46.2 45.8 45.4 45.0 44.6 44.2 43.9 43.6 43.3 43.0 42.7 42.5 42.2 42.0\nMale Female Ages\nMale 50 51 52 53 54 55 56 57 58 59 60 61 62 63\nFemale 55 56 57 58 59 60 61 62 63 64 65 66 67 68\n6 11 65.4 65.4 65.3 65.3 65.3 65.3 65.3 65.2 65.2 65.2 65.2 65.2 65.2 65.2\n7 12 64.5 64.5 64.4 64.4 64.4 64.4 64.3 64.3 64.3 64.3 64.3 64.3 64.3 64.2\n8 13 63.6 63.6 63.5 63.5 63.5 63.5 63.4 63.4 63.4 63.4 63.4 63.4 63.3 63.3\n9 14 62.7 62.7 62.7 62.6 62.6 62.6 62.5 62.5 62.5 62.5 62.5 62.4 62.4 62.4\n10 15 61.8 61.8 61.8 61.7 61.7 61.7 61.6 61.6 61.6 61.6 61.6 61.5 61.5 61.5\n11 16 61.0 60.9 60.9 60.8 60.8 60.8 60.7 60.7 60.7 60.7 60.6 60.6 60.6 60.6\n12 17 60.1 60.0 60.0 59.9 59.9 59.9 59.8 59.8 59.8 59.8 59.7 59.7 59.7 59.7\n13 18 59.2 59.1 59.1 59.0 59.0 59.0 58.9 58.9 58.9 58.9 58.8 58.8 58.8 58.8\n14 19 58.3 58.2 58.2 58.2 58.1 58.1 58.0 58.0 58.0 57.9 57.9 57.9 57.9 57.9\n15 20 57.4 57.4 57.3 57.3 57.2 57.2 57.1 57.1 57.1 57.0 57.0 57.0 57.0 56.9\n16 21 56.5 56.5 56.4 56.4 56.3 56.3 56.2 56.2 56.2 56.1 56.1 56.1 56.1 56.0\n17 22 55.7 55.6 55.5 55.5 55.4 55.4 55.3 55.3 55.3 55.2 55.2 55.2 55.1 55.1\n18 23 54.8 54.7 54.7 54.6 54.6 54.5 54.5 54.4 54.4 54.3 54.3 54.3 54.2 54.2\n19 24 53.9 53.9 53.8 53.7 53.7 53.6 53.6 53.5 53.5 53.4 53.4 53.4 53.3 53.3\n20 25 53.1 53.0 52.9 52.8 52.8 52.7 52.7 52.6 52.6 52.5 52.5 52.4 52.4 52.4\n21 26 52.2 52.1 52.0 52.0 51.9 51.8 51.8 51.7 51.7 51.6 51.6 51.5 51.5 51.5\n22 27 51.4 51.3 51.2 51.1 51.0 51.0 50.9 50.8 50.8 50.7 50.7 50.6 50.6 50.6\n23 28 50.5 50.4 50.3 50.2 50.2 50.1 50.0 50.0 49.9 49.8 49.8 49.7 49.7 49.7\n24 29 49.7 49.6 49.5 49.4 49.3 49.2 49.1 49.1 49.0 49.0 48.9 48.9 48.8 48.8\n25 30 48.8 48.7 48.6 48.5 48.4 48.3 48.3 48.2 48.1 48.1 48.0 48.0 47.9 47.9\n26 31 48.0 47.9 47.8 47.7 47.6 47.5 47.4 47.3 47.3 47.2 47.1 47.1 47.0 47.0\n27 32 47.2 47.1 46.9 46.8 46.7 46.6 46.5 46.5 46.4 46.3 46.2 46.2 46.1 46.1\n28 33 46.4 46.3 46.1 46.0 45.9 45.8 45.7 45.6 45.5 45.4 45.4 45.3 45.2 45.2\n29 34 45.6 45.4 45.3 45.2 45.1 44.9 44.8 44.7 44.7 44.6 44.5 44.4 44.4 44.3\n30 35 44.8 44.6 44.5 44.4 44.2 44.1 44.0 43.9 43.8 43.7 43.6 43.6 43.5 43.4\n31 36 44.0 43.9 43.7 43.6 43.4 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.6 42.0\n32 37 43.3 43.1 42.9 42.8 42.6 42.5 42.4 42.2 42.1 42.0 41.9 41.9 41.8 41.7\n33 38 42.5 42.3 42.1 42.0 41.8 41.7 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8\n34 39 41.8 41.6 41.4 41.2 41.0 40.9 40.7 40.6 40.5 40.4 40.3 40.2 40.1 40.0\nMale Female Ages\nMale 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78\nFemale 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83\n6 11 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1\n7 12 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.2 64.1 64.1\n8 13 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.3 63.2 63.2 63.2 63.2 63.2 63.2\n9 14 62.4 62.4 62.4 62.4 62.4 62.4 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3\n10 15 61.5 61.5 61.5 61.5 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4\n11 16 60.6 60.6 60.6 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5 60.5\n12 17 59.7 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.6 59.5 59.5\n13 18 58.8 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.7 58.6 58.6 58.6 58.6 58.6\n14 19 57.8 57.8 57.8 57.8 57.8 57.8 57.8 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7\n15 20 56.9 56.9 56.9 56.9 56.9 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8 56.8\n16 21 56.0 56.0 56.0 56.0 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.9 55.8\n17 22 55.1 55.1 55.1 55.0 55.0 55.0 55.0 55.0 55.0 55.0 55.0 54.9 54.9 54.9 54.9\n18 23 54.2 54.2 54.1 54.1 54.1 54.1 54.1 54.1 54.0 54.0 54.0 54.0 54.0 54.0 54.0\n19 24 53.3 53.2 53.2 53.2 53.2 53.2 53.2 53.1 53.1 53.1 53.1 53.1 53.1 53.1 53.1\n20 25 52.4 52.3 52.3 52.3 52.3 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.2 52.1 52.1\n21 26 51.4 51.4 51.4 51.4 51.3 51.3 51.3 51.3 51.3 51.3 51.3 51.2 51.2 51.2 51.2\n22 27 50.5 50.5 50.5 50.5 50.4 50.4 50.4 50.4 50.4 50.3 50.3 50.3 50.3 50.3 50.3\n23 28 49.6 49.6 49.6 49.5 49.5 49.5 49.5 49.5 49.4 49.4 49.4 49.4 49.4 49.4 49.4\n24 29 48.7 48.7 48.7 48.6 48.6 48.6 48.6 48.5 48.5 48.5 48.5 48.5 48.5 48.4 48.4\n25 30 47.8 47.8 47.8 47.7 47.7 47.7 47.6 47.6 47.6 47.6 47.6 47.5 47.5 47.5 47.5\n26 31 46.9 46.9 46.8 46.8 46.8 46.8 46.7 46.7 46.7 46.7 46.6 46.6 46.6 46.6 46.6\n27 32 46.0 46.0 45.9 45.9 45.9 45.8 45.8 45.8 45.8 45.7 45.7 45.7 45.7 45.7 45.7\n28 33 45.1 45.1 45.1 45.0 45.0 44.9 44.9 44.9 44.9 44.8 44.8 44.8 44.8 44.8 44.8\n29 34 44.3 44.2 44.2 44.1 44.1 44.0 44.0 44.0 44.0 43.9 43.9 43.9 43.9 43.9 43.8\n30 35 43.4 43.3 43.3 43.2 43.2 43.1 43.1 43.1 43.1 43.0 43.0 43.0 43.0 42.9 42.9\n31 36 42.5 42.4 42.4 42.3 42.3 42.3 42.2 42.2 42.2 42.1 42.1 42.1 42.1 42.0 42.0\n32 37 41.6 41.6 41.5 41.5 41.4 41.4 41.3 41.3 41.3 41.2 41.2 41.2 41.2 41.1 41.1\n33 38 40.8 40.7 40.7 40.6 40.5 40.5 40.5 40.4 40.4 40.3 40.3 40.3 40.3 40.2 40.2\n34 39 39.9 39.9 39.8 39.7 39.7 39.6 39.6 39.5 39.5 39.5 39.4 39.4 39.4 39.3 39.3\nMale Female Ages\nMale 79 80 81 82 83 84 85 86 87 88 89 90 91 92\nFemale 84 85 86 87 88 89 90 91 92 93 94 95 96 97\n6 11 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.1 65.0 65.0 65.0 65.0 65.0\n7 12 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1\n8 13 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2\n9 14 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3\n10 15 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4\n11 16 60.5 60.5 60.5 60.5 60.5 60.5 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4\n12 17 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5\n13 18 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6\n14 19 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7\n15 20 56.8 56.8 56.8 56.8 56.8 56.8 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7\n16 21 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8\n17 22 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9\n18 23 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 54.0 53.9\n19 24 53.1 53.1 53.1 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0\n20 25 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1\n21 26 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2 51.2\n22 27 50.3 50.3 50.3 50.3 50.3 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2\n23 28 49.4 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3\n24 29 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4\n25 30 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.5 47.4 47.4 47.4 47.4 47.4 47.4\n26 31 46.6 46.6 46.6 46.6 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5\n27 32 45.7 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6\n28 33 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7 44.7\n29 34 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.8 43.7 43.7 43.7 43.7 43.7\n30 35 42.9 42.9 42.9 42.9 42.9 42.9 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8\n31 36 42.0 42.0 42.0 42.0 42.0 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9\n32 37 41.1 41.1 41.1 41.1 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0\n33 38 40.2 40.2 40.2 40.2 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1\n34 39 39.3 39.3 39.3 39.3 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2\nMale Female Ages\nMale 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108\nFemale 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113\n6 11 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0 65.0\n7 12 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1 64.1\n8 13 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2 63.2\n9 14 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3 62.3\n10 15 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4 61.4\n11 16 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4 60.4\n12 17 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5 59.5\n13 18 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6 58.6\n14 19 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7 57.7\n15 20 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7 56.7\n16 21 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8 55.8\n17 22 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9 54.9\n18 23 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9 53.9\n19 24 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0 53.0\n20 25 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1 52.1\n21 26 51.2 51.2 51.2 51.2 51.2 51.2 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1 51.1\n22 27 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2 50.2\n23 28 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3 49.3\n24 29 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.4 48.3 48.3\n25 30 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4 47.4\n26 31 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5 46.5\n27 32 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6 45.6\n28 33 44.7 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6 44.6\n29 34 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7 43.7\n30 35 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8 42.8\n31 36 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9 41.9\n32 37 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0 41.0\n33 38 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.1 40.0\n34 39 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.1 39.1\nMale Female Ages\nMale 35 36 37 38 39 40 41 42 43 44 45 46 47\nFemale 40 41 42 43 44 45 46 47 48 49 50 51 52\n35 40 46.2 45.7 45.3 44.8 44.4 44.0 43.6 43.3 43.0 42.6 42.3 42.0 41.8\n36 41 45.7 45.2 44.8 44.3 43.9 43.5 43.1 42.7 42.3 42.0 41.7 41.4 41.1\n37 42 45.3 44.8 44.3 43.8 43.4 42.9 42.5 42.1 41.8 41.4 41.1 40.7 40.4\n38 43 44.8 44.3 43.8 43.3 42.9 42.4 42.0 41.6 41.2 40.8 40.5 40.1 39.8\n39 44 44.4 43.9 43.4 42.9 42.4 41.9 41.5 41.0 40.6 40.2 39.9 39.5 39.2\n40 45 44.0 43.5 42.9 42.4 41.9 41.4 41.0 40.5 40.1 39.7 39.3 38.9 38.6\n41 46 43.6 43.1 42.5 42.0 41.5 41.0 40.5 40.0 39.6 39.2 38.8 38.4 38.0\n42 47 43.3 42.7 42.1 41.6 41.0 40.5 40.0 39.6 39.1 38.7 38.2 37.8 37.5\n43 48 43.0 42.3 41.8 41.2 40.6 40.1 39.6 39.1 38.6 38.2 37.7 37.3 36.9\n44 49 42.6 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.2 37.7 37.2 36.8 36.4\n45 50 42.3 41.7 41.1 40.5 39.9 39.3 38.8 38.2 37.7 37.2 36.8 36.3 35.9\n46 51 42.0 41.4 40.7 40.1 39.5 38.9 38.4 37.8 37.3 36.8 36.3 35.9 35.4\n47 52 41.8 41.1 40.4 39.8 39.2 38.6 38.0 37.5 36.9 36.4 35.9 35.4 35.0\nMale Female Ages\nMale 48 49 50 51 52 53 54 55 56 57 58 59 60\nFemale 53 54 55 56 57 58 59 60 61 62 63 64 65\n35 40 41.5 41.3 41.0 40.8 40.6 40.4 40.3 40.1 40.0 39.8 39.7 39.6 39.5\n36 41 40.8 40.6 40.3 40.1 39.9 39.7 39.5 39.3 39.2 39.0 38.9 38.8 38.6\n37 42 40.2 39.9 39.6 39.4 39.2 39.0 38.8 38.6 38.4 38.3 38.1 38.0 37.9\n38 43 39.5 39.2 39.0 38.7 38.5 38.3 38.1 37.9 37.7 37.5 37.3 37.2 37.1\n39 44 38.9 38.6 38.3 38.0 37.8 37.6 37.3 37.1 36.9 36.8 36.6 36.4 36.3\n40 45 38.3 38.0 37.7 37.4 37.1 36.9 36.6 36.4 36.2 36.0 35.9 35.7 35.5\n41 46 37.7 37.3 37.0 36.7 36.5 36.2 36.0 35.7 35.5 35.3 35.1 35.0 34.8\n42 47 37.1 36.8 36.4 36.1 35.8 35.6 35.3 35.1 34.8 34.6 34.4 34.2 34.1\n43 48 36.5 36.2 35.8 35.5 35.2 34.9 34.7 34.4 34.2 33.9 33.7 33.5 33.3\n44 49 36.0 35.6 35.3 34.9 34.6 34.3 34.0 33.8 33.5 33.3 33.0 32.8 32.6\n45 50 35.5 35.1 34.7 34.4 34.0 33.7 33.4 33.1 32.9 32.6 32.4 32.2 31.9\n46 51 35.0 34.6 34.2 33.8 33.5 33.1 32.8 32.5 32.2 32.0 31.7 31.5 31.3\n47 52 34.5 34.1 33.7 33.3 32.9 32.6 32.2 31.9 31.6 31.4 31.1 30.9 30.6\n48 53 34.0 33.6 33.2 32.8 32.4 32.0 31.7 31.4 31.1 30.8 30.5 30.2 30.0\n49 54 33.6 33.1 32.7 32.3 31.9 31.5 31.2 30.8 30.5 30.2 29.9 29.6 29.4\n50 55 33.2 32.7 32.3 31.8 31.4 31.0 30.6 30.3 29.9 29.6 29.3 29.0 28.8\n51 56 32.8 32.3 31.8 31.4 30.9 30.5 30.1 29.8 29.4 29.1 28.8 28.5 28.2\n52 57 32.4 31.9 31.4 30.9 30.5 30.1 29.7 29.3 28.9 28.6 28.2 27.9 27.6\n53 58 32.0 31.5 31.0 30.5 30.1 29.6 29.2 28.8 28.4 28.1 27.7 27.4 27.1\n54 59 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.3 27.9 27.6 27.2 26.9 26.5\n55 60 31.4 30.8 30.3 29.8 29.3 28.8 28.3 27.9 27.5 27.1 26.7 26.4 26.0\n56 61 31.1 30.5 29.9 29.4 28.9 28.4 27.9 27.5 27.1 26.7 26.3 25.9 25.5\n57 62 30.8 30.2 29.6 29.1 28.6 28.1 27.6 27.1 26.7 26.2 25.8 25.4 25.1\n58 63 30.5 29.9 29.3 28.8 28.2 27.7 27.2 26.7 26.3 25.8 25.4 25.0 24.6\n59 64 30.2 29.6 29.0 28.5 27.9 27.4 26.9 26.4 25.9 25.4 25.0 24.6 24.2\n60 65 30.0 29.4 28.8 28.2 27.6 27.1 26.5 26.0 25.5 25.1 24.6 24.2 23.8\nMale Female Ages\nMale 61 62 63 64 65 66 67 68 69 70 71 72 73\nFemale 66 67 68 69 70 71 72 73 74 75 76 77 78\n35 40 39.4 39.3 39.2 39.1 39.0 38.9 38.9 38.8 38.8 38.7 38.7 38.6 38.6\n36 41 38.5 38.4 38.3 38.2 38.2 38.1 38.0 38.0 37.9 37.9 37.8 37.8 37.7\n37 42 37.7 37.6 37.5 37.4 37.3 37.3 37.2 37.1 37.1 37.0 36.9 36.9 36.9\n38 43 36.9 36.8 36.7 36.6 36.5 36.4 36.4 36.3 36.2 36.2 36.1 36.0 36.0\n39 44 36.2 36.0 35.9 35.8 35.7 35.6 35.5 35.5 35.4 35.3 35.3 35.2 35.2\n40 45 35.4 35.3 35.1 35.0 34.9 34.8 34.7 34.6 34.6 34.5 34.4 34.4 34.3\n41 46 34.6 34.5 34.4 34.2 34.1 34.0 33.9 33.8 33.8 33.7 33.6 33.5 33.5\n42 47 33.9 33.7 33.6 33.5 33.4 33.2 33.1 33.0 33.0 32.9 32.8 32.7 32.7\n43 48 33.2 33.0 32.9 32.7 32.6 32.5 32.4 32.3 32.2 32.1 32.0 31.9 31.9\n44 49 32.5 32.3 32.1 32.0 31.8 31.7 31.6 31.5 31.4 31.3 31.2 31.1 31.1\n45 50 31.8 31.6 31.4 31.3 31.1 31.0 30.8 30.7 30.6 30.5 30.4 30.4 30.3\n46 51 31.1 30.9 30.7 30.5 30.4 30.2 30.1 30.0 29.9 29.8 29.7 29.6 29.5\n47 52 30.4 30.2 30.0 29.8 29.7 29.5 29.4 29.3 29.1 29.0 28.9 28.8 28.7\n48 53 29.8 29.5 29.3 29.2 29.0 28.8 28.7 28.5 28.4 28.3 28.2 28.1 28.0\n49 54 29.1 28.9 28.7 28.5 28.3 28.1 28.0 27.8 27.7 27.6 27.5 27.4 27.3\n50 55 28.5 28.3 28.1 27.8 27.6 27.5 27.3 27.1 27.0 26.9 26.7 26.6 26.5\n51 56 27.9 27.7 27.4 27.2 27.0 26.8 26.6 26.5 26.3 26.2 26.0 25.9 25.8\n52 57 27.3 27.1 26.8 26.6 26.4 26.2 26.0 25.8 25.7 25.5 25.4 25.2 25.1\n53 58 26.8 26.5 26.2 26.0 25.8 25.6 25.4 25.2 25.0 24.8 24.7 24.6 24.4\n54 59 26.2 25.9 25.7 25.4 25.2 25.0 24.7 24.6 24.4 24.2 24.0 23.9 23.8\n55 60 25.7 25.4 25.1 24.9 24.6 24.4 24.1 23.9 23.8 23.6 23.4 23.3 23.1\n56 61 25.2 24.9 24.6 24.3 24.1 23.8 23.6 23.4 23.2 23.0 22.8 22.6 22.5\n57 62 24.7 24.4 24.1 23.8 23.5 23.3 23.0 22.8 22.6 22.4 22.2 22.0 21.9\n58 63 24.3 23.9 23.6 23.3 23.0 22.7 22.5 22.2 22.0 21.8 21.6 21.4 21.3\n59 64 23.8 23.5 23.1 22.8 22.5 22.2 21.9 21.7 21.5 21.2 21.0 20.9 20.7\n60 65 23.4 23.0 22.7 22.3 22.0 21.7 21.4 21.2 20.9 20.7 20.5 20.3 20.1\n61 66 23.0 22.6 22.2 21.9 21.6 21.3 21.0 20.7 20.4 20.2 20.0 19.8 19.6\n62 67 22.6 22.2 21.8 21.5 21.1 20.8 20.5 20.2 19.9 19.7 19.5 19.2 19.0\n63 68 22.2 21.8 21.4 21.1 20.7 20.4 20.1 19.8 19.5 19.2 19.0 18.7 18.5\n64 69 21.9 21.5 21.1 20.7 20.3 20.0 19.6 19.3 19.0 18.7 18.5 18.2 18.0\n65 70 21.6 21.1 20.7 20.3 19.9 19.6 19.2 18.9 18.6 18.3 18.0 17.8 17.5\n66 71 21.3 20.8 20.4 20.0 19.6 19.2 18.8 18.5 18.2 17.9 17.6 17.3 17.1\n67 72 21.0 20.5 20.1 19.6 19.2 18.8 18.5 18.1 17.8 17.5 17.2 16.9 16.7\n68 73 20.7 20.2 19.8 19.3 18.9 18.5 18.1 17.8 17.4 17.1 16.8 16.5 16.2\n69 74 20.4 19.9 19.5 19.0 18.6 18.2 17.8 17.4 17.1 16.7 16.4 16.1 15.8\n70 75 20.2 19.7 19.2 18.7 18.3 17.9 17.5 17.1 16.7 16.4 16.1 15.8 15.5\n71 76 20.0 19.5 19.0 18.5 18.0 17.6 17.2 16.8 16.4 16.1 15.7 15.4 15.1\n72 77 19.8 19.2 18.7 18.2 17.8 17.3 16.9 16.5 16.1 15.8 15.4 15.1 14.8\n73 78 19.6 19.0 18.5 18.0 17.5 17.1 16.7 16.2 15.8 15.5 15.1 14.8 14.4\nMale Female Ages\nMale 74 75 76 77 78 79 80 81 82 83 84 85\nFemale 79 80 81 82 83 84 85 86 87 88 89 90\n35 40 38.6 38.5 38.5 38.5 38.4 38.4 38.4 38.4 38.4 38.4 38.3 38.3\n36 41 37.7 37.6 37.6 37.6 37.6 27.5 37.5 37.5 37.5 37.5 37.5 37.4\n37 42 36.8 36.8 36.7 36.7 36.7 36.7 36.6 36.6 36.6 36.6 36.6 36.6\n38 43 36.0 35.9 35.9 35.9 35.8 35.8 35.8 35.8 35.7 35.7 35.7 35.7\n39 44 35.1 35.1 35.0 35.0 35.0 34.9 34.9 34.9 34.9 34.8 34.8 34.8\n40 45 34.3 34.2 34.2 34.1 34.1 34.1 34.1 34.0 34.0 34.0 34.0 34.0\n41 46 33.4 33.4 33.3 33.3 33.3 33.2 33.2 33.2 33.2 33.1 33.1 33.1\n42 47 32.6 32.6 32.5 32.5 32.4 32.4 32.4 32.3 32.3 32.3 32.3 32.3\n43 48 31.8 31.8 31.7 31.7 31.6 31.6 31.5 31.5 31.5 31.5 31.4 31.4\n44 49 31.0 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.7 30.6 30.6 30.6\n45 50 30.2 30.1 30.1 30.0 30.0 29.9 29.9 29.9 29.8 29.8 29.8 29.8\n46 51 29.4 29.4 29.3 29.2 29.2 29.2 29.1 29.1 29.0 29.0 29.0 28.9\n47 52 28.7 28.6 28.5 28.5 28.4 28.4 28.3 28.3 28.2 28.2 28.2 28.1\n48 53 27.9 27.8 27.8 27.7 27.6 27.6 27.5 27.5 27.5 27.4 27.4 27.4\n49 54 27.2 27.1 27.0 26.9 26.9 26.8 26.8 26.7 26.7 26.6 26.6 26.6\n50 55 26.4 26.3 26.3 26.2 26.1 26.1 26.0 26.0 25.9 25.9 25.8 25.8\n51 56 25.7 25.6 25.5 25.5 25.4 25.3 25.3 25.2 25.2 25.1 25.1 25.0\n52 57 25.0 24.9 24.8 24.7 24.7 24.6 24.5 24.5 24.4 24.4 24.3 24.3\n53 58 24.3 24.2 24.1 24.0 23.9 23.9 23.8 23.7 23.7 23.6 23.6 23.5\n54 59 23.6 23.5 23.4 23.3 23.2 23.2 23.1 23.0 23.0 22.9 22.9 22.8\n55 60 23.0 22.9 22.8 22.7 22.6 22.5 22.4 22.3 22.3 22.2 22.2 22.1\n56 61 22.3 22.2 22.1 22.0 21.9 21.8 21.7 21.6 21.6 21.5 21.5 21.4\n57 62 21.7 21.6 21.5 21.3 21.2 21.1 21.1 21.0 20.9 20.8 20.8 20.7\n58 63 21.1 21.0 20.8 20.7 20.6 20.5 20.4 20.3 20.2 20.2 20.1 20.0\n59 64 20.5 20.4 20.2 20.1 20.0 19.9 19.8 19.7 19.6 19.5 19.4 19.4\n60 65 19.9 19.8 19.6 19.5 19.4 19.3 19.1 19.0 19.0 18.9 18.8 18.7\n61 66 19.4 19.2 19.1 18.9 18.8 18.7 18.5 18.4 18.3 18.3 18.2 18.1\n62 67 18.8 18.7 18.5 18.3 18.2 18.1 18.0 17.8 17.7 17.7 17.6 17.5\n63 68 18.3 18.1 18.0 17.8 17.6 17.5 17.4 17.3 17.2 17.1 17.0 16.9\n64 69 17.8 17.6 17.4 17.3 17.1 17.0 16.8 16.7 16.6 16.5 16.4 16.3\n65 70 17.3 17.1 16.9 16.7 16.6 16.4 16.3 16.2 16.0 15.9 15.8 15.8\n66 71 16.9 16.6 16.4 16.3 16.1 15.9 15.8 15.6 15.5 15.4 15.3 15.2\n67 72 16.4 16.2 16.0 15.8 15.6 15.4 15.3 15.1 15.0 14.9 14.8 14.7\n68 73 16.0 15.7 15.5 15.3 15.1 15.0 14.8 14.6 14.5 14.4 14.3 14.2\n69 74 15.6 15.3 15.1 14.9 14.7 14.5 14.3 14.2 14.0 13.9 13.8 13.7\n70 75 15.2 14.9 14.7 14.5 14.3 14.1 13.9 13.7 13.6 13.4 13.3 13.2\n71 76 14.8 14.5 14.3 14.1 13.8 13.6 13.5 13.3 13.1 13.0 12.8 12.7\n72 77 14.5 14.2 13.9 13.7 13.5 13.2 13.0 12.9 12.7 12.5 12.4 12.3\n73 78 14.1 13.8 13.6 13.3 13.1 12.9 12.7 12.5 12.3 12.1 12.0 11.8\n74 79 13.8 13.5 13.2 13.0 12.7 12.5 12.3 12.1 11.9 11.7 11.6 11.4\n75 80 13.5 13.2 12.9 12.6 12.4 12.2 11.9 11.7 11.5 11.4 11.2 11.0\n76 81 13.2 12.9 12.6 12.3 12.1 11.8 11.6 11.4 11.2 11.0 10.8 10.7\n77 82 13.0 12.6 12.3 12.1 11.8 11.5 11.3 11.1 10.8 10.7 10.5 10.3\n78 83 12.7 12.4 12.1 11.8 11.5 11.2 11.0 10.7 10.5 10.3 10.1 10.0\n79 84 12.5 12.2 11.8 11.5 11.2 11.0 10.7 10.5 10.2 10.0 9.8 9.6\n80 85 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.2 10.0 9.7 9.5 9.3\n81 86 12.1 11.7 11.4 11.1 10.7 10.5 10.2 9.9 9.7 9.5 9.3 9.1\n82 87 11.9 11.5 11.2 10.8 10.5 10.2 10.0 9.7 9.4 9.2 9.0 8.8\n83 88 11.7 11.4 11.0 10.7 10.3 10.0 9.7 9.5 9.2 9.0 8.7 8.5\n84 89 11.6 11.2 10.8 10.5 10.1 9.8 9.5 9.3 9.0 8.7 8.5 8.3\n85 90 11.4 11.0 10.7 10.3 10.0 9.6 9.3 9.1 8.8 8.5 8.3 8.1\nMale Female Ages\nMale 86 87 88 89 90 91 92 93 94 95 96 97\nFemale 91 92 93 94 95 96 97 98 99 100 101 102\n35 40 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3 38.3\n36 41 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4\n37 42 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5\n38 43 35.7 35.7 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6\n39 44 34.8 34.8 34.8 34.8 34.8 34.8 34.7 34.7 34.7 34.7 34.7 34.7\n40 45 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9 33.9\n41 46 33.1 33.1 33.1 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0\n42 47 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.2 32.1 32.1 32.1\n43 48 31.4 31.4 31.4 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3\n44 49 30.6 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.5 30.4\n45 50 29.7 29.7 29.7 29.7 29.7 29.7 29.7 29.6 29.6 29.6 29.6 29.6\n46 51 28.9 28.9 28.9 28.9 28.9 28.8 28.8 28.8 28.8 28.8 28.8 28.8\n47 52 28.1 28.1 28.1 28.1 28.0 28.0 28.0 28.0 28.0 28.0 28.0 28.0\n48 53 27.3 27.3 27.3 27.3 27.2 27.2 27.2 27.2 27.2 27.2 27.2 27.2\n49 54 26.5 26.5 26.5 26.5 26.5 26.4 26.4 26.4 26.4 26.4 26.4 26.4\n50 55 25.8 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6 25.6\n51 56 25.0 25.0 24.9 24.9 24.9 24.9 24.9 24.9 24.8 24.8 24.8 24.8\n52 57 24.3 24.2 24.2 24.2 24.1 24.1 24.1 24.1 24.1 24.1 24.1 24.0\n53 58 23.5 23.5 23.4 23.4 23.4 23.4 23.4 23.3 23.3 23.3 23.3 23.3\n54 59 22.8 22.7 22.7 22.7 22.7 22.6 22.6 22.6 22.6 22.6 22.6 22.5\n55 60 22.1 22.0 22.0 22.0 21.9 21.9 21.9 21.9 21.8 21.8 21.8 21.8\n56 61 21.4 21.3 21.3 21.3 21.2 21.2 21.2 21.1 21.1 21.1 21.1 21.1\n57 62 20.7 20.6 20.6 20.6 20.5 20.5 20.5 20.4 20.4 20.4 20.4 20.4\n58 63 20.0 19.9 19.9 19.9 19.8 19.8 19.8 19.8 19.7 19.7 19.7 19.7\n59 64 19.3 19.3 19.2 19.2 19.2 19.1 19.1 19.1 19.0 19.0 19.0 19.0\nMale Female Ages\nMale 98 99 100 101 102 103 104 105 106 107 108\nFemale 103 104 105 106 107 108 109 110 111 112 113\n35 40 38.3 38.3 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.2 38.2\n36 41 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.4 37.3\n37 42 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5 36.5\n38 43 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6 35.6\n39 44 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7 34.7\n40 45 33.9 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8 33.8\n41 46 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0 33.0\n42 47 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1 32.1\n43 48 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3 31.3\n44 49 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4 30.4\n45 50 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6 29.6\n46 51 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.8 28.7\n47 52 28.0 28.0 28.0 28.0 28.0 28.0 28.0 27.9 27.9 27.9 27.9\n48 53 27.2 27.2 27.2 27.2 27.2 27.1 27.1 27.1 27.1 27.1 27.1\n49 54 26.4 26.4 26.4 26.4 26.4 26.3 26.3 26.3 26.3 26.3 26.3\n50 55 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.6 25.5 25.5 25.5\n51 56 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7\n52 57 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0 24.0\n53 58 23.3 23.3 23.3 23.3 23.3 23.3 23.2 23.2 23.2 23.2 23.2\n54 59 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5 22.5\n55 60 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.8 21.7 21.7\n56 61 21.1 21.1 21.1 21.1 21.1 21.0 21.0 21.0 21.0 21.0 21.0\n57 62 20.4 20.4 20.4 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3\n58 63 19.7 19.7 19.7 19.6 19.6 19.6 19.6 19.6 19.6 19.6 19.6\n59 64 19.0 19.0 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.9\nMale Female Ages\nMale 86 87 88 89 90 91 92 93 94 95 96 97\nFemale 91 92 93 94 95 96 97 98 99 100 101 102\n60 65 18.7 18.6 18.6 18.5 18.5 18.5 18.4 18.4 18.4 18.4 18.3 18.3\n61 66 18.1 18.0 17.9 17.9 17.9 17.8 17.8 17.8 17.7 17.7 17.7 17.7\n62 67 17.4 17.4 17.3 17.3 17.2 17.2 17.1 17.1 17.1 17.1 17.0 17.0\n63 68 16.8 16.8 16.7 16.7 16.6 16.6 16.5 16.5 16.5 16.4 16.4 16.4\n64 69 16.2 16.2 16.1 16.1 16.0 16.0 15.9 15.9 15.9 15.8 15.8 15.8\n65 70 15.7 15.6 15.5 15.5 15.4 15.4 15.3 15.3 15.3 15.2 15.2 15.2\n66 71 15.1 15.0 15.0 14.9 14.8 14.8 14.7 14.7 14.7 14.6 14.6 14.6\n67 72 14.6 14.5 14.4 14.4 14.3 14.2 14.2 14.1 14.1 14.1 14.1 14.0\n68 73 14.1 14.0 13.9 13.8 13.8 13.7 13.6 13.6 13.6 13.5 13.5 13.5\n69 74 13.6 13.5 13.4 13.3 13.2 13.2 13.1 13.1 13.0 13.0 13.0 12.9\n70 75 13.1 13.0 12.9 12.8 12.7 12.7 12.6 12.5 12.5 12.5 12.4 12.4\n71 76 12.6 12.5 12.4 12.3 12.2 12.2 12.1 12.1 12.0 12.0 11.9 11.9\n72 77 12.1 12.0 11.9 11.8 11.8 11.7 11.6 11.6 11.5 11.5 11.4 11.4\n73 78 11.7 11.6 11.5 11.4 11.3 11.2 11.2 11.1 11.0 11.0 11.0 10.9\n74 79 11.3 11.2 11.1 11.0 10.9 10.8 10.7 10.7 10.6 10.6 10.5 10.5\n75 80 10.9 10.8 10.7 10.5 10.5 10.4 10.3 10.2 10.2 10.1 10.1 10.0\n76 81 10.5 10.4 10.3 10.2 10.1 10.0 9.9 9.8 9.7 9.7 9.7 9.6\n77 82 10.2 10.0 9.9 9.8 9.7 9.6 9.5 9.4 9.3 9.3 9.2 9.2\n78 83 9.8 9.7 9.5 9.4 9.3 9.2 9.1 9.0 9.0 8.9 8.9 8.8\n79 84 9.5 9.3 9.2 9.2 8.9 8.8 8.8 8.7 8.6 8.5 8.5 8.4\n80 85 9.2 9.0 8.9 8.7 8.6 8.5 8.4 8.3 8.3 8.2 8.1 8.1\n81 86 8.9 8.7 8.6 8.4 8.3 8.2 8.1 8.0 7.9 7.9 7.8 7.7\n82 87 8.6 8.4 8.3 8.1 8.0 7.9 7.8 7.7 7.6 7.5 7.5 7.4\n83 88 8.3 8.2 8.0 7.9 7.7 7.6 7.5 7.4 7.3 7.2 7.2 7.1\n84 89 8.1 7.9 7.8 7.6 7.5 7.3 7.2 7.1 7.0 7.0 6.9 6.8\nMale Female Ages\nMale 98 99 100 101 102 103 104 105 106 107 108\nFemale 103 104 105 106 107 108 109 110 111 112 113\n60 65 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2\n61 66 17.7 17.7 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.6 17.5\n62 67 17.0 17.0 17.0 17.0 17.0 17.0 16.9 16.9 16.9 16.9 16.9\n63 68 16.4 16.4 16.4 16.3 16.3 16.3 16.3 16.3 16.3 16.3 16.2\n64 69 15.8 15.8 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.7 15.6\n65 70 15.2 15.2 15.1 15.1 15.1 15.1 15.1 15.1 15.1 15.0 15.0\n66 71 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4\n67 72 14.0 14.0 14.0 14.0 13.9 13.9 13.9 13.9 13.9 13.9 13.8\n68 73 13.5 13.4 13.4 13.4 13.4 13.4 13.3 13.3 13.3 13.3 13.2\n69 74 12.9 12.9 12.9 12.8 12.8 12.8 12.8 12.8 12.8 12.7 12.7\n70 75 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2 12.2 12.2 12.1\n71 76 11.9 11.9 11.8 11.8 11.8 11.8 11.7 11.7 11.7 11.7 11.6\n72 77 11.4 11.4 11.3 11.3 11.3 11.3 11.2 11.2 11.2 11.2 11.1\n73 78 10.9 10.9 10.9 10.8 10.8 10.8 10.7 10.7 10.7 10.7 10.6\n74 79 10.5 10.4 10.4 10.4 10.3 10.3 10.3 10.3 10.2 10.2 10.1\n75 80 10.0 10.0 9.9 9.9 9.9 9.8 9.8 9.8 9.8 9.7\n76 81 9.6 9.5 9.5 9.5 9.4 9.4 9.4 9.4 9.3 9.3\n77 82 9.2 9.1 9.1 9.1 9.0 9.0 9.0 8.9 8.9 8.9\n78 83 8.8 8.7 8.7 8.7 8.6 8.6 8.5 8.5 8.5 8.4\n79 84 8.4 8.4 8.3 8.3 8.2 8.2 8.2 8.1 8.1 8.0\n80 85 8.0 8.0 7.9 7.9 7.9 7.8 7.8 7.7 7.7 7.6\n81 86 7.7 7.6 7.6 7.6 7.5 7.5 7.4 7.4 7.3 7.3\n82 87 7.4 7.3 7.3 7.2 7.2 7.1 7.1 7.0 7.0 6.9\n83 88 7.1 7.0 6.9 6.9 6.8 6.8 6.7 6.7 6.7 6.6\n84 89 6.8 6.7 6.6 6.6 6.5 6.5 6.4 6.4 6.3\nMale Female Ages\nMale 86 87 88 89 90 91 92 93 94 95 96\nFemale 91 92 93 94 95 96 97 98 99 100 101\n85 90 7.9 7.7 7.5 7.4 7.2 7.1 7.0 6.9 6.8 6.7 6.6\n86 91 7.7 7.5 7.3 7.1 7.0 6.8 6.7 6.6 6.5 6.4 6.4\n87 92 7.5 7.3 7.1 6.9 6.8 6.6 6.5 6.4 6.3 6.2 6.1\n88 93 7.3 7.1 6.9 6.7 6.6 6.4 6.3 6.2 6.1 6.0 5.9\n89 94 7.1 6.9 6.7 6.5 6.4 6.2 6.1 6.0 5.9 5.8 5.7\n90 95 7.0 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.6 5.5\n91 96 6.8 6.6 6.4 6.2 6.1 5.9 5.8 5.7 5.5 5.4 5.3\n92 97 6.7 6.5 6.3 6.1 5.9 5.8 5.6 5.5 5.4 5.3 5.2\n93 98 6.6 6.4 6.2 6.0 5.8 5.7 5.5 5.4 5.2 5.1 5.0\n94 99 6.5 6.3 6.1 5.9 5.7 5.5 5.4 5.2 5.1 5.0 4.9\n95 100 6.4 6.2 6.0 5.8 5.6 5.4 5.3 5.1 5.0 4.9 4.7\n96 101 6.4 6.1 5.9 5.7 5.5 5.3 5.2 5.0 4.9 4.7 4.6\n97 102 6.3 6.1 5.8 5.6 5.4 5.2 5.1 4.9 4.8 4.6 4.5\n98 103 6.2 6.0 5.8 5.5 5.3 5.1 5.0 4.8 4.7 4.5 4.4\n99 104 6.2 5.9 5.7 5.5 5.2 5.1 4.9 4.7 4.6 4.4 4.3\nMale Female Ages\nMale 97 98 99 100 101 102 103 104 105 106\nFemale 102 103 104 105 106 107 108 109 110 111\n85 90 6.6 6.5 6.4 6.4 6.3 6.2 6.2 6.1 6.1 6.0\n86 91 6.3 6.2 6.2 6.1 6.0 6.0 5.9 5.9 5.8 5.7\n87 92 6.1 6.0 5.9 5.8 5.8 5.7 5.6 5.6 5.5 5.4\n88 93 5.8 5.8 5.7 5.6 5.5 5.5 5.4 5.3 5.3 5.1\n89 94 5.6 5.5 5.5 5.4 5.3 5.2 5.2 5.1 5.0\n90 95 5.4 5.3 5.2 5.2 5.1 5.0 4.9 4.9 4.8\n91 96 5.2 5.1 5.1 5.0 4.9 4.8 4.7 4.6 4.5\n92 97 5.1 5.0 4.9 4.8 4.7 4.6 4.5 4.4\n93 98 4.9 4.8 4.7 4.6 4.5 4.4 4.3 4.2\n94 99 4.8 4.7 4.6 4.5 4.4 4.3 4.1\n95 100 4.6 4.5 4.4 4.3 4.2 4.1 4.0\n96 101 4.5 4.4 4.3 4.2 4.1 3.9\n97 102 4.4 4.3 4.1 4.0 3.9 3.7\n98 103 4.3 4.1 4.0 3.9 3.7\n99 104 4.1 4.0 3.9 3.7\nTable IIa—Annuities for Joint Life Only—Two Lives—Expected Return Multiples\nMale Female Ages\nMale 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20\nFemale 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25\n6 11 56.6 56.1 55.7 55.1 54.6 54.1 53.5 52.9 52.3 51.7 51.1 50.5 49.8 49.1 48.4\n7 12 56.1 55.7 55.2 54.7 54.2 53.7 53.1 52.6 52.0 51.4 50.8 50.2 49.5 48.9 48.2\n8 13 55.7 55.2 54.8 54.3 53.8 53.3 52.8 52.2 51.6 51.1 50.5 49.9 49.2 48.6 47.9\n9 14 55.1 54.7 54.3 53.8 53.3 52.9 52.3 51.8 51.3 50.7 50.1 49.5 48.9 48.3 47.7\n10 15 54.6 54.2 53.8 53.3 52.9 52.4 51.9 51.4 50.9 50.3 49.8 49.2 48.6 48.0 47.4\n11 16 54.1 53.7 53.3 52.9 52.4 52.0 51.5 51.0 50.5 50.0 49.4 48.8 48.3 47.7 47.1\n12 17 53.5 53.1 52.8 52.3 51.9 51.5 51.0 50.6 50.1 49.6 49.0 48.5 47.9 47.3 46.7\n13 18 52.9 52.6 52.2 51.8 51.4 51.0 50.6 50.1 49.6 49.1 48.6 48.1 47.5 47.0 46.4\n14 19 52.3 52.0 51.6 51.3 50.9 50.5 50.1 49.6 49.2 48.7 48.2 47.7 47.2 46.6 46.1\n15 20 51.7 51.4 51.1 50.7 50.3 50.0 49.6 49.1 48.7 48.2 47.8 47.3 46.8 46.2 45.7\n16 21 51.1 50.8 50.5 50.1 49.8 49.4 49.0 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.3\n17 22 50.5 50.2 49.9 49.5 49.2 48.8 48.5 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.9\n18 23 49.8 49.5 49.2 48.9 48.6 48.3 47.9 47.5 47.2 46.8 46.3 45.9 45.4 45.0 44.5\n19 24 49.1 48.9 48.6 48.3 48.0 47.7 47.3 47.0 46.6 46.2 45.8 45.4 45.0 44.5 44.0\n20 25 48.4 48.2 47.9 47.7 47.4 47.1 46.7 46.4 46.1 45.7 45.3 44.9 44.5 44.0 43.6\nMale Female Ages\nMale 21 22 23 24 25 26 27 28 29 30 31 32 33 34\nFemale 26 27 28 29 30 31 32 33 34 35 36 37 38 39\n6 11 47.7 47.0 46.3 45.6 44.8 44.1 43.3 42.5 41.8 41.0 40.2 39.4 38.6 37.8\n7 12 47.5 46.8 46.1 45.4 44.6 43.9 43.2 42.4 41.6 40.9 40.1 39.3 38.5 37.7\n8 13 47.3 46.6 45.9 45.2 44.5 43.7 43.0 42.2 41.5 40.7 39.9 39.2 38.4 37.6\n9 14 47.0 46.3 45.6 45.0 44.2 43.5 42.8 42.1 41.3 40.6 39.8 39.0 38.3 37.5\n10 15 46.7 46.1 45.4 44.7 44.0 43.3 42.6 41.9 41.1 40.4 39.7 38.9 38.1 37.4\n11 16 46.4 45.8 45.1 44.5 43.8 43.1 42.4 41.7 41.0 40.2 39.5 38.8 38.0 37.2\n12 17 46.1 45.5 44.9 44.2 43.6 42.9 42.2 41.5 40.8 40.1 39.3 38.6 37.9 37.1\n13 18 45.8 45.2 44.6 43.9 43.3 42.6 42.0 41.3 40.6 39.9 39.2 38.4 37.7 37.0\n14 19 45.5 44.9 44.3 43.7 43.0 42.4 41.7 41.0 40.4 39.7 39.0 38.3 37.5 36.8\n15 20 45.1 44.6 44.0 43.4 42.7 42.1 41.5 40.8 40.1 39.5 38.8 38.1 37.4 36.6\n16 21 44.8 44.2 43.6 43.0 42.4 41.8 41.2 40.5 39.9 39.2 38.6 37.9 37.2 36.5\n17 22 44.4 43.8 43.3 42.7 42.1 41.5 40.9 40.3 39.6 39.0 38.3 37.7 37.0 36.3\n18 23 44.0 43.5 42.9 42.4 41.8 41.2 40.6 40.0 39.4 38.7 38.1 37.4 36.8 36.1\n19 24 43.6 43.1 42.5 42.0 41.4 40.9 40.3 39.7 39.1 38.5 37.8 37.2 36.5 35.9\n20 25 43.1 42.6 42.1 41.6 41.1 40.5 40.0 39.4 38.8 38.2 37.6 36.9 36.3 35.7\n21 26 42.7 42.2 41.7 41.2 40.7 40.2 39.6 39.1 38.5 37.9 37.3 36.7 36.1 35.4\n22 27 42.2 41.8 41.3 40.8 40.3 39.8 39.3 38.7 38.2 37.6 37.0 36.4 35.8 35.2\n23 28 41.7 41.3 40.8 40.4 39.9 39.4 38.9 38.4 37.8 37.3 36.7 36.1 35.5 34.9\n24 29 41.2 40.8 40.4 39.9 39.5 39.0 38.5 38.0 37.5 36.9 36.4 35.8 35.2 34.6\n25 30 40.7 40.3 39.9 39.5 39.0 38.6 38.1 37.6 37.1 36.6 36.0 35.5 34.9 34.4\n26 31 40.2 39.8 39.4 39.0 38.6 38.1 37.7 37.2 36.7 36.2 35.7 35.2 34.6 34.1\n27 32 39.6 39.3 38.9 38.5 38.1 37.7 37.2 36.8 36.3 35.8 35.3 34.8 34.3 33.7\n28 33 39.1 38.7 38.4 38.0 37.6 37.2 36.8 36.3 35.9 35.4 34.9 34.5 33.9 33.4\n29 34 38.5 38.2 37.8 37.5 37.1 36.7 36.3 35.9 35.5 35.0 34.6 34.1 33.6 33.1\n30 35 37.9 37.6 37.3 36.9 36.6 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2 32.7\n31 36 37.3 37.0 36.7 36.4 36.0 35.7 35.3 34.9 34.6 34.1 33.7 33.3 32.8 32.3\n32 37 36.7 36.4 36.1 35.8 35.5 35.2 34.8 34.5 34.1 33.7 33.3 32.9 32.4 32.0\n33 38 36.1 35.8 35.5 35.2 34.9 34.6 34.3 33.9 33.6 33.2 32.8 32.4 32.0 31.6\n34 39 35.4 35.2 34.9 34.6 34.4 34.1 33.7 33.4 33.1 32.7 32.3 32.0 31.6 31.1\nMale Female Ages\nMale 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49\nFemale 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54\n6 11 37.0 36.2 35.4 34.6 33.8 33.0 32.2 31.4 30.6 29.8 29.0 28.2 27.5 26.7 25.9\n7 12 36.9 36.1 35.3 34.5 33.7 32.9 32.1 31.3 30.5 29.8 29.0 28.2 27.4 26.7 25.9\n8 13 36.8 36.0 35.2 34.4 33.7 32.9 32.1 31.3 30.5 29.7 28.9 28.2 27.4 26.6 25.9\n9 14 36.7 35.9 35.1 34.4 33.6 32.8 32.0 31.2 30.4 29.7 28.9 28.1 27.3 26.6 25.8\n10 15 36.6 35.8 35.1 34.3 33.5 32.7 31.9 31.2 30.4 29.6 28.8 28.1 27.3 26.5 25.8\n11 16 36.5 35.7 34.9 34.2 33.4 32.6 31.9 31.1 30.3 29.5 28.8 28.0 27.3 26.5 25.7\n12 17 36.4 35.6 34.8 34.1 33.3 32.5 31.8 31.0 30.2 29.5 28.7 28.0 27.2 26.4 25.7\n13 18 36.2 35.5 34.7 34.0 33.2 32.4 31.7 30.9 30.2 29.4 28.7 27.9 27.1 26.4 25.7\n14 19 36.1 35.3 34.6 33.8 33.1 32.3 31.6 30.8 30.1 29.3 28.6 27.8 27.1 26.3 25.6\n15 20 35.9 35.2 34.5 33.7 33.0 32.2 31.5 30.7 30.0 29.3 28.5 27.8 27.0 26.3 25.6\n16 21 35.8 35.0 34.3 33.6 32.9 32.1 31.4 30.6 29.9 29.2 28.4 27.7 27.0 26.2 25.5\n17 22 35.6 34.9 34.2 33.4 32.7 32.0 31.3 30.5 29.8 29.1 28.3 27.6 26.9 26.2 25.4\n18 23 35.4 34.7 34.0 33.3 32.6 31.9 31.2 30.4 29.7 29.0 28.3 27.5 26.8 26.1 25.4\n19 24 35.2 34.5 33.8 33.1 32.4 31.7 31.0 30.3 29.6 28.9 28.2 27.4 26.7 26.0 25.3\n20 25 35.0 34.3 33.7 33.0 32.3 31.6 30.9 30.2 29.5 28.8 28.1 27.3 26.6 25.9 25.2\n21 26 34.8 34.1 33.5 32.8 32.1 31.4 30.7 30.0 29.3 28.6 27.9 27.2 26.5 25.8 25.1\n22 27 34.5 33.9 33.3 32.6 31.9 31.3 30.6 29.9 29.2 28.5 27.8 27.1 26.4 25.7 25.1\n23 28 34.3 33.7 33.0 32.4 31.7 31.1 30.4 29.7 29.1 28.4 27.7 27.0 26.3 25.6 25.0\n24 29 34.0 33.4 32.8 32.2 31.5 30.9 30.2 29.6 28.9 28.2 27.6 26.9 26.2 25.5 24.9\n25 30 33.8 33.2 32.6 32.0 31.3 30.7 30.1 29.4 28.8 28.1 27.4 26.8 26.1 25.4 24.8\n26 31 33.5 32.9 32.3 31.7 31.1 30.5 29.9 29.2 28.6 27.9 27.3 26.6 26.0 25.3 24.6\n27 32 33.2 32.6 32.1 31.5 30.9 30.3 29.6 29.0 28.4 27.8 27.1 26.5 25.8 25.2 24.5\n28 33 32.9 32.3 31.8 31.2 30.6 30.0 29.4 28.8 28.2 27.6 27.0 26.3 25.7 25.0 24.4\n29 34 32.6 32.0 31.5 30.9 30.4 29.8 29.2 28.6 28.0 27.4 26.8 26.2 25.5 24.9 24.3\n30 35 32.2 31.7 31.2 30.6 30.1 29.5 29.0 28.4 27.8 27.2 26.6 26.0 25.4 24.7 24.1\n31 36 31.9 31.4 30.9 30.3 29.8 29.3 28.7 28.1 27.6 27.0 26.4 25.8 25.2 24.6 24.0\n32 37 31.5 31.0 30.5 30.0 29.5 29.0 28.4 27.9 27.3 26.8 26.2 25.6 25.0 24.4 23.8\n33 38 31.1 30.7 30.2 29.7 29.2 28.7 28.2 27.6 27.1 26.5 26.0 25.4 24.8 24.2 23.6\n34 39 30.7 30.3 29.8 29.3 28.9 28.4 27.9 27.3 26.8 26.3 25.7 25.2 24.6 24.0 23.5\nMale Female Ages\nMale 50 51 52 53 54 55 56 57 58 59 60 61 62 63\nFemale 55 56 57 58 59 60 61 62 63 64 65 66 67 68\n6 11 25.2 24.4 23.7 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1\n7 12 25.1 24.4 23.6 22.9 22.2 21.5 20.8 20.1 19.4 18.7 18.0 17.4 16.7 16.1\n8 13 25.1 24.4 23.6 22.9 22.2 21.4 20.7 20.0 19.4 18.7 18.0 17.4 16.7 16.1\n9 14 25.1 24.3 23.6 22.9 22.1 21.4 20.7 20.0 19.3 18.7 18.0 17.3 16.7 16.1\n10 15 25.0 24.3 23.6 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1\n11 16 25.0 24.3 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.1\n12 17 25.0 24.2 23.5 22.8 22.1 21.4 20.7 20.0 19.3 18.6 18.0 17.3 16.7 16.0\n13 18 24.9 24.2 23.5 22.7 22.0 21.3 20.6 19.9 19.3 18.6 17.9 17.3 16.7 16.0\n14 19 24.9 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.6 17.9 17.3 16.6 16.0\n15 20 24.8 24.1 23.4 22.7 22.0 21.3 20.6 19.9 19.2 18.5 17.9 17.3 16.6 16.0\n16 21 24.8 24.0 23.3 22.6 21.9 21.2 20.5 19.9 19.2 18.5 17.9 17.2 16.6 16.0\n17 22 24.7 24.0 23.3 22.6 21.9 21.2 20.5 19.8 19.2 18.5 17.8 17.2 16.6 16.0\n18 23 24.7 23.9 23.2 22.5 21.8 21.1 20.5 19.8 19.1 18.5 17.8 17.2 16.6 15.9\n19 24 24.6 23.9 23.2 22.5 21.8 21.1 20.4 19.8 19.1 18.4 17.8 17.2 16.5 15.9\n20 25 24.5 23.8 23.1 22.4 21.7 21.1 20.4 19.7 19.1 18.4 17.8 17.1 16.5 15.9\n21 26 24.4 23.7 23.1 22.4 21.7 21.0 20.3 19.7 19.0 18.4 17.7 17.1 16.5 15.9\n22 27 24.4 23.7 23.0 22.3 21.6 21.0 20.3 19.6 19.0 18.3 17.7 17.1 16.5 15.9\n23 28 24.3 23.6 22.9 22.2 21.6 20.9 20.2 19.6 18.9 18.3 17.7 17.0 16.4 15.8\n24 29 24.2 23.5 22.8 22.2 21.5 20.8 20.2 19.5 18.9 18.3 17.6 17.0 16.4 15.8\n25 30 24.1 23.4 22.8 22.1 21.4 20.8 20.1 19.5 18.8 18.2 17.6 17.0 16.4 15.8\n26 31 24.0 23.3 22.7 22.0 21.4 20.7 20.1 19.4 18.8 18.2 17.5 16.9 16.3 15.7\n27 32 23.9 23.2 22.6 21.9 21.3 20.6 20.0 19.4 18.7 18.1 17.5 16.9 16.3 15.7\n28 33 23.8 23.1 22.5 21.8 21.2 20.6 19.9 19.3 18.7 18.1 17.4 16.8 16.2 15.6\n29 34 23.6 23.0 22.4 21.7 21.1 20.5 19.8 19.2 18.6 18.0 17.4 16.8 16.2 15.6\n30 35 23.5 22.9 22.3 21.6 21.0 20.4 19.8 19.1 18.5 17.9 17.3 16.7 16.1 15.6\n31 36 23.4 22.7 22.1 21.5 20.9 20.3 19.7 19.1 18.5 17.9 17.3 16.7 16.1 15.5\n32 37 23.2 22.6 22.0 21.4 20.8 20.2 19.6 19.0 18.4 17.8 17.2 16.6 16.0 15.5\n33 38 23.1 22.5 21.9 21.3 20.7 20.1 19.5 18.9 18.3 17.7 17.1 16.5 16.0 15.4\n34 39 22.9 22.3 21.7 21.1 20.5 20.0 19.4 18.8 18.2 17.6 17.0 16.5 15.9 15.3\nMale Female Ages\nMale 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78\nFemale 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83\n6 11 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2\n7 12 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2\n8 13 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.6 9.1 8.7 8.2\n9 14 15.5 14.9 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2\n10 15 15.4 14.8 14.3 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2\n11 16 15.4 14.8 14.2 13.7 13.1 12.6 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.7 8.2\n12 17 15.4 14.8 14.2 13.7 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2\n13 18 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2\n14 19 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2\n15 20 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2\n16 21 15.4 14.8 14.2 13.6 13.1 12.5 12.0 11.5 11.0 10.5 10.0 9.5 9.1 8.6 8.2\n17 22 15.4 14.8 14.2 13.6 13.0 12.5 12.0 11.5 10.9 10.5 10.0 9.5 9.1 8.6 8.2\n18 23 15.3 14.7 14.2 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2\n19 24 15.3 14.7 14.1 13.6 13.0 12.5 12.0 11.4 10.9 10.4 10.0 9.5 9.1 8.6 8.2\n20 25 15.3 14.7 14.1 13.6 13.0 12.5 11.9 11.4 10.9 10.4 10.0 9.5 9.0 8.6 8.2\n21 26 15.3 14.7 14.1 13.5 13.0 12.5 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2\n22 27 15.3 14.7 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2\n23 28 15.2 14.6 14.1 13.5 13.0 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2\n24 29 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2\n25 30 15.2 14.6 14.0 13.5 12.9 12.4 11.9 11.4 10.9 10.4 9.9 9.5 9.0 8.6 8.2\n26 31 15.1 14.6 14.0 13.4 12.9 12.4 11.9 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2\n27 32 15.1 14.5 14.0 13.4 12.9 12.4 11.8 11.3 10.8 10.4 9.9 9.4 9.0 8.6 8.2\n28 33 15.1 14.5 13.9 13.4 12.9 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.6 8.1\n29 34 15.0 14.5 13.9 13.4 12.8 12.3 11.8 11.3 10.8 10.3 9.9 9.4 9.0 8.5 8.1\n30 35 15.0 14.4 13.9 13.3 12.8 12.3 11.8 11.3 10.8 10.3 9.8 9.4 9.0 8.5 8.1\n31 36 14.9 14.4 13.8 13.3 12.8 12.2 11.7 11.2 10.8 10.3 9.8 9.4 8.9 8.5 8.1\n32 37 14.9 14.3 13.8 13.3 12.7 12.2 11.7 11.2 10.7 10.3 9.8 9.4 8.9 8.5 8.1\n33 38 14.8 14.3 13.8 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1\n34 39 14.8 14.2 13.7 13.2 12.7 12.2 11.7 11.2 10.7 10.2 9.8 9.3 8.9 8.5 8.1\nMale Female Ages\nMale 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93\nFemale 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98\n6 11 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n7 12 7.8 7.4 7.1 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n8 13 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n9 14 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n10 15 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n11 16 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n12 17 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.4 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n13 18 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.1 4.8 4.5 4.2 4.0 3.7 3.5\n14 19 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n15 20 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n16 21 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n17 22 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n18 23 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n19 24 7.8 7.4 7.0 6.7 6.3 6.0 5.7 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n20 25 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n21 26 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n22 27 7.8 7.4 7.0 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n23 28 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.2 4.0 3.7 3.5\n24 29 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n25 30 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n26 31 7.8 7.4 7.0 6.6 6.3 6.0 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n27 32 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n28 33 7.7 7.4 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n29 34 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n30 35 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n31 36 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n32 37 7.7 7.3 7.0 6.6 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2 4.0 3.7 3.5\n33 38 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.5 4.2 3.9 3.7 3.5\n34 39 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.0 4.7 4.4 4.2 3.9 3.7 3.5\nMale Female Ages\nMale 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108\nFemale 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113\n6 11 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n7 12 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n8 13 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n9 14 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n10 15 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n11 16 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n12 17 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n13 18 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n14 19 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n15 20 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n16 21 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n17 22 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n18 23 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n19 24 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n20 25 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n21 26 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n22 27 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n23 28 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n24 29 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n25 30 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n26 31 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n27 32 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n28 33 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n29 34 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n30 35 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n31 36 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n32 37 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n33 38 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n34 39 3.3 3.1 2.9 2.7 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\nMale Female Ages\nMale 35 36 37 38 39 40 41 42 43 44 45 46 47\nFemale 40 41 42 43 44 45 46 47 48 49 50 51 52\n35 40 30.3 29.9 29.4 29.0 28.5 28.0 27.5 27.0 26.5 26.0 25.5 24.9 24.4\n36 41 29.9 29.5 29.0 28.6 28.2 27.7 27.2 26.7 26.2 25.7 25.2 24.7 24.2\n37 42 29.4 29.0 28.6 28.2 27.8 27.3 26.9 26.4 25.9 25.5 25.0 24.4 23.9\n38 43 29.0 28.6 28.2 27.8 27.4 27.0 26.5 26.1 25.6 25.2 24.7 24.2 23.7\n39 44 28.5 28.2 27.8 27.4 27.0 26.6 26.2 25.8 25.3 24.8 24.4 23.9 23.4\n40 45 28.0 27.7 27.3 27.0 26.6 26.2 25.8 25.4 25.0 24.5 24.1 23.6 23.1\n41 46 27.5 27.2 26.9 26.5 26.2 25.8 25.4 25.0 24.6 24.2 23.8 23.3 22.9\n42 47 27.0 26.7 26.4 26.1 25.8 25.4 25.0 24.6 24.2 23.8 23.4 23.0 22.6\n43 48 26.5 26.2 25.9 25.6 25.3 25.0 24.6 24.2 23.9 23.5 23.1 22.7 22.2\n44 49 26.0 25.7 25.5 25.2 24.8 24.5 24.2 23.8 23.5 23.1 22.7 22.3 21.9\n45 50 25.5 25.2 25.0 24.7 24.4 24.1 23.8 23.4 23.1 22.7 22.4 22.0 21.6\n46 51 24.9 24.7 24.4 24.2 23.9 23.6 23.3 23.0 22.7 22.3 22.0 21.6 21.2\n47 52 24.4 24.2 23.9 23.7 23.4 23.1 22.9 22.6 22.2 21.9 21.6 21.2 20.9\nMale Female Ages\nMale 48 49 50 51 52 53 54 55 56 57 58 59 60\nFemale 53 54 55 56 57 58 59 60 61 62 63 64 65\n35 40 23.8 23.3 22.7 22.1 21.6 21.0 20.4 19.8 19.3 18.7 18.1 17.5 17.0\n36 41 23.6 23.1 22.5 22.0 21.4 20.8 20.3 19.7 19.1 18.6 18.0 17.4 16.9\n37 42 23.4 22.9 22.3 21.8 21.2 20.7 20.1 19.6 19.0 18.4 17.9 17.3 16.8\n38 43 23.2 22.6 22.1 21.6 21.1 20.5 20.0 19.4 18.9 18.3 17.8 17.2 16.7\n39 44 22.9 22.4 21.9 21.4 20.9 20.3 19.8 19.3 18.7 18.2 17.7 17.1 16.6\n40 45 22.7 22.2 21.7 21.2 20.7 20.1 19.6 19.1 18.6 18.0 17.5 17.0 16.5\n41 46 22.4 21.9 21.4 20.9 20.4 19.9 19.4 18.9 18.4 17.9 17.4 16.9 16.3\n42 47 22.1 21.6 21.2 20.7 20.2 19.7 19.2 18.7 18.2 17.7 17.2 16.7 16.2\n43 48 21.8 21.4 20.9 20.5 20.0 19.5 19.0 18.6 18.1 17.6 17.1 16.6 16.1\n44 49 21.5 21.1 20.6 20.2 19.8 19.3 18.8 18.4 17.9 17.4 16.9 16.4 15.9\n45 50 21.2 20.8 20.4 19.9 19.5 19.1 18.6 18.1 17.7 17.2 16.7 16.3 15.8\n46 51 20.9 20.5 20.1 19.7 19.2 18.8 18.4 17.9 17.5 17.0 16.6 16.1 15.6\n47 52 20.5 20.1 19.8 19.4 19.0 18.5 18.1 17.7 17.3 16.8 16.4 15.9 15.5\n48 53 20.2 19.8 19.4 19.1 18.7 18.3 17.9 17.5 17.0 16.6 16.2 15.7 15.3\n49 54 19.8 19.5 19.1 18.8 18.4 18.0 17.6 17.2 16.8 16.4 16.0 15.5 15.1\n50 55 19.4 19.1 18.8 18.4 18.1 17.7 17.3 16.9 16.6 16.2 15.8 15.3 14.9\n51 56 19.1 18.8 18.4 18.1 17.8 17.4 17.0 16.7 16.3 15.9 15.5 15.1 14.7\n52 57 18.7 18.4 18.1 17.8 17.4 17.1 16.8 16.4 16.0 15.7 15.3 14.9 14.5\n53 58 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.1 15.8 15.4 15.1 14.7 14.3\n54 59 17.9 17.6 17.3 17.0 16.8 16.4 16.1 15.8 15.5 15.1 14.8 14.4 14.1\n55 60 17.5 17.2 16.9 16.7 16.4 16.1 15.8 15.5 15.2 14.9 14.5 14.2 13.9\n56 61 17.0 16.8 16.6 16.3 16.0 15.8 15.5 15.2 14.9 14.6 14.3 13.9 13.6\n57 62 16.6 16.4 16.2 15.9 15.7 15.4 15.1 14.9 14.6 14.3 14.0 13.7 13.4\n58 63 16.2 16.0 15.8 15.5 15.3 15.1 14.8 14.5 14.3 14.0 13.7 13.4 13.1\n59 64 15.7 15.5 15.3 15.1 14.9 14.7 14.4 14.2 13.9 13.7 13.4 13.1 12.8\n60 65 15.3 15.1 14.9 14.7 14.5 14.3 14.1 13.9 13.6 13.4 13.1 12.8 12.6\nMale Female Ages\nMale 61 62 63 64 65 66 67 68 69 70 71 72 73\nFemale 66 67 68 69 70 71 72 73 74 74 76 77 78\n35 40 16.4 15.8 15.3 14.7 14.2 13.7 13.1 12.6 12.1 11.6 11.1 10.7 10.2\n36 41 16.3 15.8 15.2 14.7 14.1 13.6 13.1 12.6 12.1 11.6 11.1 10.6 10.2\n37 42 16.2 15.7 15.1 14.6 14.1 13.6 13.0 12.5 12.0 11.5 11.1 10.6 10.1\n38 43 16.1 15.6 15.1 14.5 14.0 13.5 13.0 12.5 12.0 11.5 11.0 10.6 10.1\n39 44 16.0 15.5 15.0 14.5 13.9 13.4 12.9 12.4 11.9 11.5 11.0 10.5 10.1\n40 45 15.9 15.4 14.9 14.4 13.9 13.4 12.9 12.4 11.9 11.4 11.0 10.5 10.0\n41 46 15.8 15.3 14.8 14.3 13.8 13.3 12.8 12.3 11.8 11.4 10.9 10.5 10.0\n42 47 15.7 15.2 14.7 14.2 13.7 13.2 12.7 12.3 11.8 11.3 10.9 10.4 10.0\n43 48 15.6 15.1 14.6 14.1 13.6 13.1 12.7 12.2 11.7 11.3 10.8 10.4 9.9\n44 49 15.5 15.0 14.5 14.0 13.5 13.1 12.6 12.1 11.7 11.2 10.8 10.3 9.9\n45 50 15.3 14.8 14.4 13.9 13.4 13.0 12.5 12.0 11.6 11.1 10.7 10.3 9.8\n46 51 15.2 14.7 14.2 13.8 13.3 12.9 12.4 12.0 11.5 11.1 10.6 10.2 9.8\n47 52 15.0 14.6 14.1 13.7 13.2 12.8 12.3 11.9 11.4 11.0 10.6 10.1 9.7\n48 53 14.9 14.4 14.0 13.5 13.1 12.6 12.2 11.8 11.3 10.9 10.5 10.1 9.7\n49 54 14.7 14.3 13.8 13.4 13.0 12.5 12.1 11.7 11.3 10.8 10.4 10.0 9.6\n50 55 14.5 14.1 13.7 13.3 12.8 12.4 12.0 11.6 11.2 10.7 10.3 9.9 9.5\n51 56 14.3 13.9 13.5 13.1 12.7 12.3 11.9 11.5 11.1 10.7 10.3 9.9 9.5\n52 57 14.1 13.7 13.3 12.9 12.5 12.1 11.7 11.3 10.9 10.6 10.2 9.8 9.4\n53 58 13.9 13.6 13.2 12.8 12.4 12.0 11.6 11.2 10.8 10.5 10.1 9.7 9.3\n54 59 13.7 13.4 13.0 12.6 12.2 11.9 11.5 11.1 10.7 10.3 10.0 9.6 9.2\n55 60 13.5 13.2 12.8 12.4 12.1 11.7 11.3 11.0 10.6 10.2 9.9 9.5 9.1\n56 61 13.3 12.9 12.6 12.2 11.9 11.5 11.2 10.8 10.5 10.1 9.8 9.4 9.0\n57 62 13.0 12.7 12.4 12.1 11.7 11.4 11.0 10.7 10.3 10.0 9.6 9.3 8.9\n58 63 12.8 12.5 12.2 11.8 11.5 11.2 10.9 10.5 10.2 9.8 9.5 9.2 8.8\n59 64 12.6 12.3 11.9 11.6 11.3 11.0 10.7 10.4 10.0 9.7 9.4 9.1 8.7\n60 65 12.3 12.0 11.7 11.4 11.1 10.8 10.5 10.2 9.9 9.6 9.3 8.9 8.6\n61 66 12.0 11.8 11.5 11.2 10.9 10.6 10.3 10.0 9.7 9.4 9.1 8.8 8.5\n62 67 11.8 11.5 11.2 11.0 10.7 10.4 10.1 9.8 9.6 9.3 9.0 8.7 8.4\n63 68 11.5 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4 9.1 8.8 8.5 8.2\n64 69 11.2 11.0 10.7 10.5 10.2 10.0 9.7 9.5 9.2 8.9 8.7 8.4 8.1\n65 70 10.9 10.7 10.5 10.2 10.0 9.8 9.5 9.3 9.0 8.8 8.5 8.2 8.0\n66 71 10.6 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8 8.6 8.3 8.1 7.8\n67 72 10.3 10.1 9.9 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.1 7.9 7.7\n68 73 10.0 9.8 9.7 9.5 9.3 9.1 8.9 8.6 8.4 8.2 8.0 7.7 7.5\n69 74 9.7 9.6 9.4 9.2 9.0 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.3\n70 75 9.4 9.3 9.1 8.9 8.8 8.6 8.4 8.2 8.0 7.8 7.6 7.4 7.2\n71 76 9.1 9.0 8.8 8.7 8.5 8.3 8.1 8.0 7.8 7.6 7.4 7.2 7.0\n72 77 8.8 8.7 8.5 8.4 8.2 8.1 7.9 7.7 7.6 7.4 7.2 7.0 6.8\n73 78 8.5 8.4 8.2 8.1 8.0 7.8 7.7 7.5 7.3 7.2 7.0 6.8 6.7\nMale Female Ages\nMale 74 75 76 77 78 79 80 81 82 83 84 85 86\nFemale 79 80 81 82 83 84 85 86 87 88 89 90 91\n35 40 9.7 9.3 8.9 8.5 8.1 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3\n36 41 9.7 9.3 8.9 8.4 8.0 7.7 7.3 6.9 6.6 6.2 5.9 5.6 5.3\n37 42 9.7 9.3 8.8 8.4 8.0 7.6 7.3 6.9 6.5 6.2 5.9 5.6 5.3\n38 43 9.7 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3\n39 44 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.6 5.3\n40 45 9.6 9.2 8.8 8.4 8.0 7.6 7.2 6.9 6.5 6.2 5.9 5.5 5.2\n41 46 9.6 9.2 8.7 8.3 7.9 7.6 7.2 6.8 6.5 6.2 5.8 5.5 5.2\n42 47 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.2 5.8 5.5 5.2\n43 48 9.5 9.1 8.7 8.3 7.9 7.5 7.2 6.8 6.5 6.1 5.8 5.5 5.2\n44 49 9.5 9.0 8.6 8.2 7.9 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2\n45 50 9.4 9.0 8.6 8.2 7.8 7.5 7.1 6.8 6.4 6.1 5.8 5.5 5.2\n46 51 9.4 9.0 8.6 8.2 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2\n47 52 9.3 8.9 8.5 8.1 7.8 7.4 7.1 6.7 6.4 6.1 5.8 5.5 5.2\n48 53 9.3 8.9 8.5 8.1 7.7 7.4 7.0 6.7 6.4 6.0 5.7 5.4 5.1\n49 54 9.2 8.8 8.4 8.1 7.7 7.3 7.0 6.7 6.3 6.0 5.7 5.4 5.1\n50 55 9.1 8.8 8.4 8.0 7.7 7.3 7.0 6.6 6.3 6.0 5.7 5.4 5.1\n51 56 9.1 8.7 8.3 8.0 7.6 7.3 6.9 6.6 6.3 6.0 5.7 5.4 5.1\n52 57 9.0 8.6 8.3 7.9 7.6 7.2 6.9 6.6 6.2 5.9 5.6 5.4 5.1\n53 58 8.9 8.6 8.2 7.9 7.5 7.2 6.9 6.5 6.2 5.9 5.6 5.3 5.1\n54 59 8.9 8.5 8.2 7.8 7.5 7.1 6.8 6.5 6.2 5.9 5.6 5.3 5.0\n55 60 8.8 8.4 8.1 7.7 7.4 7.1 6.8 6.4 6.1 5.8 5.6 5.3 5.0\n56 61 8.7 8.4 8.0 7.7 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.3 5.0\n57 62 8.6 8.3 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.8 5.5 5.2 5.0\n58 63 8.5 8.2 7.9 7.5 7.2 6.9 6.6 6.3 6.0 5.7 5.5 5.2 4.9\n59 64 8.4 8.1 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.7 5.4 5.2 4.9\n60 65 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9 5.6 5.4 5.1 4.9\n61 66 8.2 7.9 7.6 7.3 7.0 6.7 6.4 6.1 5.9 5.6 5.3 5.1 4.8\n62 67 8.1 7.8 7.5 7.2 6.9 6.6 6.4 6.1 5.8 5.5 5.3 5.0 4.8\n63 68 8.0 7.7 7.4 7.1 6.8 6.6 6.3 6.0 5.7 5.5 5.2 5.0 4.7\n64 69 7.8 7.6 7.3 7.0 6.7 6.5 6.2 5.9 5.7 5.4 5.2 4.9 4.7\n65 70 7.7 7.4 7.2 6.9 6.6 6.4 6.1 5.9 5.6 5.4 5.1 4.9 4.7\n66 71 7.6 7.3 7.1 6.8 6.5 6.3 6.0 5.8 5.5 5.3 5.1 4.8 4.6\n67 72 7.4 7.2 6.9 6.7 6.4 6.2 6.0 5.7 5.5 5.2 5.0 4.8 4.6\n68 73 7.3 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4 5.2 4.9 4.7 4.5\n69 74 7.1 6.9 6.7 6.4 6.2 6.0 5.8 5.5 5.3 5.1 4.9 4.7 4.5\n70 75 7.0 6.8 6.5 6.3 6.1 5.9 5.7 5.4 5.2 5.0 4.8 4.6 4.4\n71 76 6.8 6.6 6.4 6.2 6.0 5.8 5.6 5.3 5.1 4.9 4.7 4.5 4.3\n72 77 6.6 6.4 6.3 6.1 5.9 5.7 5.5 5.3 5.0 4.9 4.7 4.5 4.3\n73 78 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1 5.0 4.8 4.6 4.4 4.2\n74 79 6.3 6.1 6.0 5.8 5.6 5.4 5.2 5.0 4.9 4.7 4.5 4.3 4.1\n75 80 6.1 6.0 5.8 5.6 5.5 5.3 5.1 4.9 4.8 4.6 4.4 4.2 4.1\n76 81 6.0 5.8 5.6 5.5 5.3 5.2 5.0 4.8 4.7 4.5 4.3 4.1 4.0\n77 82 5.8 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.5 4.4 4.2 4.1 3.9\n78 83 5.6 5.5 5.3 5.2 5.0 4.9 4.7 4.6 4.4 4.3 4.1 4.0 3.8\n79 84 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.0 3.9 3.7\n80 85 5.2 5.1 5.0 4.9 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.6\n81 86 5.0 4.9 4.8 4.7 4.6 4.5 4.3 4.2 4.1 3.9 3.8 3.7 3.6\n82 87 4.9 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0 3.8 3.7 3.6 3.5\n83 88 4.7 4.6 4.5 4.4 4.3 4.2 4.1 3.9 3.8 3.7 3.6 3.5 3.4\n84 89 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3\n85 90 4.3 4.2 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.5 3.4 3.3 3.2\n86 91 4.1 4.1 4.0 3.9 3.8 3.7 3.6 3.6 3.5 3.4 3.3 3.2 3.1\nMale Female Ages\nMale 87 88 89 90 91 92 93 94 95 96 97\nFemale 92 93 94 95 96 97 98 99 100 101 102\n35 40 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7\n36 41 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7\n37 42 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7\n38 43 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.8 2.6\n39 44 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6\n40 45 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.3 3.0 2.8 2.6\n41 46 5.0 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6\n42 47 4.9 4.7 4.4 4.2 3.9 3.7 3.5 3.2 3.0 2.8 2.6\n43 48 4.9 4.7 4.4 4.1 3.9 3.7 3.5 3.2 3.0 2.8 2.6\n44 49 4.9 4.7 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6\n45 50 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6\n46 51 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6\n47 52 4.9 4.6 4.4 4.1 3.9 3.7 3.4 3.2 3.0 2.8 2.6\n48 53 4.9 4.6 4.4 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6\n49 54 4.9 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6\n50 55 4.8 4.6 4.3 4.1 3.9 3.6 3.4 3.2 3.0 2.8 2.6\n51 56 4.8 4.6 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6\n52 57 4.8 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.8 2.6\n53 58 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6\n54 59 4.8 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6\n55 60 4.7 4.5 4.3 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6\n56 61 4.7 4.5 4.2 4.0 3.8 3.6 3.3 3.1 2.9 2.8 2.6\n57 62 4.7 4.5 4.2 4.0 3.8 3.5 3.3 3.1 2.9 2.7 2.6\n58 63 4.7 4.4 4.2 4.0 3.7 3.5 3.3 3.1 2.9 2.7 2.5\n59 64 4.6 4.4 4.2 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5\nMale Female Ages\nMale 98 99 100 101 102 103 104 105 106 107 108\nFemale 103 104 105 106 107 108 109 110 111 112 113\n35 40 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n36 41 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.2 1.0 0.8 0.7\n37 42 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n38 43 2.5 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n39 44 2.4 2.3 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n40 45 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n41 46 2.4 2.2 2.1 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n42 47 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n43 48 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n44 49 2.4 2.2 2.0 1.9 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n45 50 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n46 51 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n47 52 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n48 53 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n49 54 2.4 2.2 2.0 1.8 1.7 1.5 1.3 1.1 1.0 0.8 0.7\n50 55 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7\n51 56 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7\n52 57 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7\n53 58 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7\n54 59 2.4 2.2 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7\n55 60 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7\n56 61 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7\n57 62 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7\n58 63 2.4 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7\n59 64 2.3 2.2 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7\nMale Female Ages\nMale 87 88 89 90 91 92 93 94 95 96 97\nFemale 92 93 94 95 96 97 98 99 100 101 102\n60 65 4.6 4.4 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5\n61 66 4.6 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5\n62 67 4.5 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.7 2.5\n63 68 4.5 4.3 4.1 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5\n64 69 4.5 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5\n65 70 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.5\n66 71 4.4 4.2 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.4\n67 72 4.3 4.1 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.4\n68 73 4.3 4.1 3.9 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4\n69 74 4.2 4.0 3.8 3.6 3.5 3.3 3.1 2.9 2.7 2.6 2.4\n70 75 4.2 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.5 2.4\n71 76 4.1 3.9 3.8 3.6 3.4 3.2 3.0 2.9 2.7 2.5 2.3\n72 77 4.1 3.9 3.7 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.3\n73 78 4.0 3.8 3.7 3.5 3.3 3.1 3.0 2.8 2.6 2.5 2.3\n74 79 3.9 3.8 3.6 3.4 3.3 3.1 2.9 2.8 2.6 2.4 2.3\n75 80 3.9 3.7 3.5 3.4 3.2 3.0 2.9 2.7 2.6 2.4 2.2\n76 81 3.8 3.6 3.5 3.3 3.2 3.0 2.8 2.7 2.5 2.4 2.2\n77 82 3.7 3.6 3.4 3.3 3.1 3.0 2.8 2.6 2.5 2.3 2.2\n78 83 3.7 3.5 3.4 3.2 3.1 2.9 2.7 2.6 2.4 2.3 2.1\n79 84 3.6 3.4 3.3 3.1 3.0 2.8 2.7 2.5 2.4 2.2 2.1\n80 85 3.5 3.4 3.2 3.1 2.9 2.8 2.6 2.5 2.3 2.2 2.0\n81 86 3.4 3.3 3.1 3.0 2.9 2.7 2.6 2.4 2.3 2.1 2.0\n82 87 3.3 3.2 3.1 2.9 2.8 2.7 2.5 2.4 2.2 2.1 2.0\n83 88 3.2 3.1 3.0 2.9 2.7 2.6 2.5 2.3 2.2 2.0 1.9\n84 89 3.1 3.0 2.9 2.8 2.7 2.5 2.4 2.3 2.1 2.0 1.9\nMale Female Ages\nMale 98 99 100 101 102 103 104 105 106 107 108\nFemale 103 104 105 106 107 108 109 110 111 112 113\n60 65 2.3 2.1 2.0 1.8 1.6 1.4 1.3 1.1 0.9 0.8 0.7\n61 66 2.3 2.1 2.0 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7\n62 67 2.3 2.1 1.9 1.8 1.6 1.4 1.2 1.1 0.9 0.8 0.7\n63 68 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7\n64 69 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7\n65 70 2.3 2.1 1.9 1.7 1.6 1.4 1.2 1.1 0.9 0.8 0.7\n66 71 2.3 2.1 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7\n67 72 2.2 2.1 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7\n68 73 2.2 2.0 1.9 1.7 1.5 1.4 1.2 1.0 0.9 0.7 0.7\n69 74 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6\n70 75 2.2 2.0 1.8 1.7 1.5 1.3 1.2 1.0 0.9 0.7 0.6\n71 76 2.2 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.7 0.6\n72 77 2.1 2.0 1.8 1.6 1.5 1.3 1.1 1.0 0.8 0.7 0.6\n73 78 2.1 1.9 1.8 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6\n74 79 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7 0.6\n75 80 2.1 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.8 0.7\n76 81 2.0 1.9 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7\n77 82 2.0 1.8 1.7 1.5 1.4 1.2 1.1 0.9 0.8 0.7\n78 83 2.0 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7\n79 84 1.9 1.8 1.6 1.5 1.3 1.2 1.0 0.9 0.8 0.7\n80 85 1.9 1.7 1.6 1.4 1.3 1.1 1.0 0.9 0.7 0.7\n81 86 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.8 0.7 0.6\n82 87 1.8 1.7 1.5 1.4 1.2 1.1 1.0 0.8 0.7 0.6\n83 88 1.8 1.6 1.5 1.3 1.2 1.1 0.9 0.8 0.7 0.6\n84 89 1.7 1.6 1.4 1.3 1.2 1.0 0.9 0.8 0.7\nMale Female Ages\nMale 87 88 89 90 91 92 93 94 95 96\nFemale 92 93 94 95 96 97 98 99 100 101\n85 90 3.1 2.9 2.8 2.7 2.6 2.5 2.3 2.2 2.1 1.9\n86 91 3.0 2.8 2.7 2.6 2.5 2.4 2.3 2.1 2.0 1.9\n87 92 2.9 2.8 2.6 2.5 2.4 2.3 2.2 2.1 1.9 1.8\n88 93 2.8 2.7 2.6 2.4 2.3 2.2 2.1 2.0 1.9 1.7\n89 94 2.6 2.6 2.5 2.4 2.2 2.1 2.0 1.9 1.8 1.7\n90 95 2.5 2.4 2.4 2.3 2.2 2.0 1.9 1.8 1.7 1.6\n91 96 2.4 2.3 2.2 2.2 2.1 2.0 1.9 1.7 1.6 1.5\n92 97 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.7 1.6 1.5\n93 98 2.2 2.1 2.0 1.9 1.9 1.8 1.7 1.6 1.5 1.4\n94 99 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.5 1.4 1.3\n95 100 1.9 1.9 1.8 1.7 1.6 1.6 1.5 1.4 1.3 1.2\n96 101 1.8 1.7 1.7 1.6 1.5 1.5 1.4 1.3 1.2 1.1\n97 102 1.7 1.6 1.6 1.5 1.4 1.4 1.3 1.2 1.1 1.1\n98 103 1.6 1.5 1.4 1.4 1.3 1.3 1.2 1.1 1.0 1.0\n99 104 1.4 1.4 1.3 1.3 1.2 1.1 1.1 1.0 1.0 0.9\nMale Female Ages\nMale 97 98 99 100 101 102 103 104 105 106\nFemale 102 103 104 105 106 107 108 109 110 111\n85 90 1.8 1.7 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7\n86 91 1.7 1.6 1.5 1.3 1.2 1.1 1.0 0.8 0.7 0.7\n87 92 1.7 1.6 1.4 1.3 1.2 1.1 0.9 0.8 0.7 0.6\n88 93 1.6 1.5 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.6\n89 94 1.6 1.4 1.3 1.2 1.1 1.0 0.9 0.7 0.7\n90 95 1.5 1.4 1.3 1.2 1.0 0.9 0.8 0.7 0.6\n91 96 1.4 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6\n92 97 1.4 1.3 1.1 1.0 0.9 0.8 0.7 0.7\n93 98 1.3 1.2 1.1 1.0 0.9 0.8 0.7 0.6\n94 99 1.2 1.1 1.0 0.9 0.8 0.7 0.7\n95 100 1.1 1.0 1.0 0.9 0.8 0.7 0.6\n96 101 1.1 1.0 0.9 0.8 0.7 0.7\n97 102 1.0 0.9 0.8 0.7 0.7 0.6\n98 103 0.9 0.8 0.7 0.7 0.6\n99 104 0.8 0.7 0.7 0.6\nTable III—Percent Value of Refund Feature\nAges Duration of guaranteed amount—[Years]\nMale Female 1 2 3 4 5 6 7 8 9 10 11 12 13\n6 11 1 1 1 1 1\n7 12 1 1 1 1 1\n8 13 1 1 1 1 1 1\n9 14 1 1 1 1 1 1\n10 15 1 1 1 1 1 1\n11 16 1 1 1 1 1 1\n12 17 1 1 1 1 1 1\n13 18 1 1 1 1 1 1\n14 19 1 1 1 1 1 1\n15 20 1 1 1 1 1 1\n16 21 1 1 1 1 1 1\n17 22 1 1 1 1 1 1\n18 23 1 1 1 1 1 1\n19 24 1 1 1 1 1 1\n20 25 1 1 1 1 1 1\n21 26 1 1 1 1 1 1\n22 27 1 1 1 1 1 1 1\n23 28 1 1 1 1 1 1 1\n24 29 1 1 1 1 1 1 1\n25 30 1 1 1 1 1 1 1\n26 31 1 1 1 1 1 1 1 1\n27 32 1 1 1 1 1 1 1 1\n28 33 1 1 1 1 1 1 1 1\n29 34 1 1 1 1 1 1 1 2\n30 35 1 1 1 1 1 1 1 2 2\n31 36 1 1 1 1 1 1 1 2 2\n32 37 1 1 1 1 1 1 2 2 2\n33 38 1 1 1 1 1 1 1 2 2 2\n34 39 1 1 1 1 1 1 2 2 2 2\n35 40 1 1 1 1 1 2 2 2 2 2\n36 41 1 1 1 1 1 2 2 2 2 3\n37 42 1 1 1 1 1 2 2 2 2 3 3\n38 43 1 1 1 1 1 2 2 2 2 3 3\n39 44 1 1 1 1 2 2 2 2 3 3 3\n40 45 1 1 1 1 2 2 2 3 3 3 4\n41 46 1 1 1 1 2 2 2 3 3 3 4\n42 47 1 1 1 2 2 2 3 3 3 4 4\n43 48 1 1 1 1 2 2 2 3 3 4 4 4\n44 49 1 1 1 1 2 2 3 3 3 4 4 5\n45 50 1 1 1 2 2 2 3 3 4 4 5 5\n46 51 1 1 1 2 2 3 3 3 4 4 5 5\n47 52 1 1 1 2 2 3 3 4 4 5 5 6\n48 53 1 1 2 2 2 3 3 4 5 5 6 6\n49 54 1 1 2 2 3 3 4 4 5 5 6 7\n50 55 1 1 2 2 3 3 4 5 5 6 7 7\n51 56 1 1 2 3 3 4 4 5 6 6 7 8\n52 57 1 1 2 2 3 3 4 5 5 6 7 8 8\n53 58 1 1 2 2 3 4 4 5 6 7 7 8 9\n54 59 1 1 2 2 3 4 5 5 6 7 8 9 10\n55 60 1 1 2 3 3 4 5 6 7 8 8 9 10\n56 61 1 1 2 3 4 4 5 6 7 8 9 10 11\n57 62 1 1 2 3 4 5 6 7 8 9 10 11 12\n58 63 1 2 2 3 4 5 6 7 8 9 10 12 13\n59 64 1 2 3 4 5 6 7 8 9 10 11 12 14\n60 65 1 2 3 4 5 6 7 8 10 11 12 13 15\n61 66 1 2 3 4 5 6 8 9 10 12 13 14 16\n62 67 1 2 3 4 6 7 8 10 11 12 14 15 17\n63 68 1 2 4 5 6 7 9 10 12 13 15 16 18\n64 69 1 3 4 5 7 8 9 11 13 14 16 17 19\n65 70 1 3 4 6 7 9 10 12 13 15 17 19 20\n66 71 1 3 4 6 8 9 11 13 14 16 18 20 22\n67 72 2 3 5 6 8 10 12 14 15 17 19 21 23\n68 73 2 3 5 7 9 11 13 14 16 18 21 23 25\n69 74 2 4 6 7 9 11 13 16 18 20 22 24 26\n70 75 2 4 6 8 10 12 14 17 19 21 23 26 28\n71 76 2 4 6 9 11 13 15 18 20 22 25 27 29\n72 77 2 5 7 9 12 14 16 19 21 24 26 29 31\n73 78 2 5 7 10 12 15 18 20 23 25 28 30 33\n74 79 3 5 8 11 13 16 19 22 24 27 30 32 35\n75 80 3 6 8 11 14 17 20 23 26 29 31 34 37\n76 81 3 6 9 12 15 18 21 24 27 30 33 36 39\n77 82 3 7 10 13 16 20 23 26 29 32 35 38 41\n78 83 4 7 11 14 17 21 24 28 31 34 37 40 43\n79 84 4 8 11 15 19 22 26 29 33 36 39 42 45\n80 85 4 8 12 16 20 24 27 31 34 38 41 44 47\n81 86 4 9 13 17 21 25 29 33 36 40 43 46 49\n82 87 5 9 14 18 23 27 31 35 38 42 45 48 51\n83 88 5 10 15 19 24 28 33 37 40 44 47 50 53\n84 89 5 11 16 21 26 30 34 38 42 46 49 52 55\n85 90 6 11 17 22 27 32 36 41 44 48 51 55 57\nAges Duration of guaranteed amount—[Years]\nMale Female 14 15 16 17 18 19 20 21 22 23 24 25 26\n6 11 1 1 1 1 1 1 1 1 1 1 2 2 2\n7 12 1 1 1 1 1 1 1 1 1 1 2 2 2\n8 13 1 1 1 1 1 1 1 1 1 1 2 2 2\n9 14 1 1 1 1 1 1 1 1 1 1 2 2 2\n10 15 1 1 1 1 1 1 1 1 1 2 2 2 2\n11 16 1 1 1 1 1 1 1 1 1 2 2 2 2\n12 17 1 1 1 1 1 1 1 1 1 2 2 2 2\n13 18 1 1 1 1 1 1 1 1 2 2 2 2 2\n14 19 1 1 1 1 1 1 1 1 2 2 2 2 2\n15 20 1 1 1 1 1 1 1 1 2 2 2 2 2\n16 21 1 1 1 1 1 1 1 2 2 2 2 2 2\n17 22 1 1 1 1 1 1 1 2 2 2 2 2 2\n18 23 1 1 1 1 1 1 2 2 2 2 2 2 2\n19 24 1 1 1 1 1 2 2 2 2 2 2 2 2\n20 25 1 1 1 1 1 2 2 2 2 2 2 2 3\n21 26 1 1 1 1 2 2 2 2 2 2 2 3 3\n22 27 1 1 1 1 2 2 2 2 2 2 3 3 3\n23 28 1 1 1 2 2 2 2 2 2 2 3 3 3\n24 29 1 1 2 2 2 2 2 2 2 3 3 3 3\n25 30 1 1 2 2 2 2 2 2 3 3 3 3 3\n26 31 1 2 2 2 2 2 2 3 3 3 3 3 4\n27 32 2 2 2 2 2 2 3 3 3 3 3 4 4\n28 33 2 2 2 2 2 3 3 3 3 3 4 4 4\n29 34 2 2 2 2 2 3 3 3 3 4 4 4 5\n30 35 2 2 2 2 3 3 3 3 4 4 4 5 5\n31 36 2 2 2 3 3 3 3 4 4 4 5 5 5\n32 37 2 2 3 3 3 3 4 4 4 5 5 5 6\n33 38 2 3 3 3 3 4 4 4 5 5 5 6 6\n34 39 3 3 3 3 4 4 4 5 5 5 6 6 7\n35 40 3 3 3 4 4 4 5 5 5 6 6 7 7\n36 41 3 3 4 4 4 5 5 5 6 6 7 7 8\n37 42 3 3 4 4 4 5 5 6 6 7 7 8 8\n38 43 3 4 4 4 5 5 6 6 7 7 8 8 9\n39 44 4 4 4 5 5 6 6 7 7 8 8 9 9\n40 45 4 4 5 5 6 6 7 7 8 8 9 9 10\n41 46 4 5 5 6 6 7 7 8 8 9 9 10 11\n42 47 5 5 5 6 6 7 8 8 9 9 10 11 12\n43 48 5 6 6 7 8 8 9 9 10 11 12 12\n44 49 5 6 6 7 7 8 9 9 10 11 12 12 13\n45 50 6 6 7 7 8 9 9 10 11 12 12 13 14\n46 51 6 7 7 8 9 9 10 11 12 12 13 14 15\n47 52 7 7 8 9 9 10 11 12 12 13 14 15 16\n48 53 7 8 8 9 10 11 12 12 13 14 15 16 17\n49 54 8 8 9 10 11 11 12 13 14 15 16 17 18\n50 55 8 9 10 11 11 12 13 14 15 16 17 18 20\n51 56 9 10 10 11 12 13 14 15 16 17 18 20 21\n52 57 9 10 11 12 13 14 15 16 17 18 20 21 22\n53 58 10 11 12 13 14 15 16 17 19 20 21 22 24\n54 59 11 12 13 14 15 16 17 18 20 21 22 24 25\n55 60 11 13 14 15 16 17 18 20 21 22 24 25 26\n56 61 12 13 15 16 17 18 20 21 22 24 25 27 28\n57 62 13 14 16 17 18 20 21 22 24 25 27 28 30\n58 63 14 15 17 18 19 21 22 24 25 27 28 30 31\n59 64 15 16 18 19 21 22 24 25 27 28 30 31 33\n60 65 16 18 19 20 22 24 25 27 28 30 32 33 35\n61 66 17 19 20 22 23 25 27 28 30 32 33 35 37\n62 67 18 20 22 23 25 27 28 30 32 33 35 37 38\n63 68 20 21 23 25 26 28 30 32 33 35 37 39 40\n64 69 21 23 24 26 28 30 32 33 35 37 39 41 42\n65 70 22 24 26 28 30 32 33 35 37 39 41 42 44\n66 71 24 26 28 29 31 33 35 37 39 41 43 44 46\n67 72 25 27 29 31 33 35 37 39 41 43 45 46 48\n68 73 27 29 31 33 35 37 39 41 43 45 47 48 50\n69 74 28 30 33 35 37 39 41 43 45 47 48 50 52\n70 75 30 32 34 37 39 41 43 45 47 49 50 52 54\n71 76 32 34 36 39 41 43 45 47 49 51 52 54 56\n72 77 34 36 38 41 43 45 47 49 51 53 54 56 58\n73 78 35 38 40 43 45 47 49 51 53 55 56 58 59\n74 79 37 40 42 45 47 49 51 53 55 57 58 60 61\n75 80 39 42 44 47 49 51 53 55 57 58 60 62 63\n76 81 41 44 46 49 51 53 55 57 59 60 62 63 65\n77 82 43 46 48 51 53 55 57 59 61 62 64 65 66\n78 83 45 48 50 53 55 57 59 61 62 64 65 67 68\n79 84 48 50 53 55 57 59 61 63 64 66 67 68 70\n80 85 50 52 55 57 59 61 63 64 66 67 69 70 71\n81 86 52 54 57 59 61 63 65 66 68 69 70 72 73\n82 87 54 56 59 61 63 65 66 68 69 71 72 73 74\n83 88 56 58 61 63 65 66 68 70 71 72 73 74 75\n84 89 58 60 63 65 67 68 70 71 73 74 75 76 77\n85 90 60 62 65 67 68 70 71 73 74 75 76 77\nAges Duration of guaranteed amount—[Years]\nMale Female 27 28 29 30 31 32 33 34 35\n6 11 2 2 2 2 2 2 2 2 2\n7 12 2 2 2 2 2 2 2 2 3\n8 13 2 2 2 2 2 2 2 2 3\n9 14 2 2 2 2 2 2 2 3 3\n10 15 2 2 2 2 2 2 3 3 3\n11 16 2 2 2 2 2 2 3 3 3\n12 17 2 2 2 2 2 3 3 3 3\n13 18 2 2 2 2 2 3 3 3 3\n14 19 2 2 2 2 3 3 3 3 3\n15 20 2 2 2 3 3 3 3 3 3\n16 21 2 2 3 3 3 3 3 3 4\n17 22 2 2 3 3 3 3 3 4 4\n18 23 2 3 3 3 3 3 4 4 4\n19 24 3 3 3 3 3 4 4 4 4\n20 25 3 3 3 3 4 4 4 4 5\n21 26 3 3 3 4 4 4 4 5 5\n22 27 3 3 4 4 4 4 5 5 5\n23 28 3 3 4 4 4 5 5 5 5\n24 29 3 4 4 4 5 5 5 5 6\n25 30 4 4 4 5 5 5 6 6 6\n26 31 4 4 5 5 5 6 6 6 7\n27 32 4 5 5 5 6 6 6 7 7\n28 33 5 5 5 6 6 6 7 7 8\n29 34 5 5 6 6 6 7 7 8 8\n30 35 5 6 6 6 7 7 8 8 9\n31 36 6 6 6 7 7 8 8 9 9\n32 37 6 7 7 7 8 8 9 10 10\n33 38 7 7 7 8 8 9 10 10 11\n34 39 7 8 8 9 9 10 10 11 12\n35 40 8 8 9 9 10 10 11 12 12\n36 41 8 9 9 10 10 11 12 13 13\n37 42 9 9 10 11 11 12 13 13 14\n38 43 9 10 11 11 12 13 13 14 15\n39 44 10 11 11 12 13 14 14 15 16\n40 45 11 11 12 13 14 15 15 16 17\n41 46 11 12 13 14 15 16 16 17 18\n42 47 12 13 14 15 16 17 18 18 19\n43 48 13 14 15 16 17 18 19 20 21\n44 49 14 15 16 17 18 19 20 21 22\n45 50 15 16 17 18 19 20 21 22 23\n46 51 16 17 18 19 20 21 22 24 25\n47 52 17 18 19 20 21 23 24 25 26\n48 53 18 19 20 22 23 24 25 26 28\n49 54 19 21 22 23 24 25 27 28 29\n50 55 21 22 23 24 26 27 28 29 31\n51 56 22 23 25 26 27 28 30 31 32\n52 57 23 25 26 27 29 30 31 33 34\n53 58 25 26 28 29 30 32 33 34 36\n54 59 26 28 29 31 32 33 35 36 38\n55 60 28 29 31 32 34 35 36 38 39\n56 61 29 31 32 34 35 37 38 40 41\n57 62 31 33 34 36 37 39 40 41 43\n58 63 33 34 36 37 39 40 42 43 45\n59 64 35 36 38 39 41 42 44 45 47\n60 65 36 38 40 41 43 44 46 47 48\n61 66 38 40 41 43 44 46 47 49 50\n62 67 40 42 43 45 46 48 49 51 52\n63 68 42 44 45 47 48 50 51 52 54\n64 69 44 46 47 49 50 52 53 54 55\n65 70 46 47 49 50 52 53 55 56 57\n66 71 48 49 51 52 54 55 56 58 59\n67 72 50 51 53 54 56 57 58 59 61\n68 73 52 53 55 56 57 59 60 61 62\n69 74 53 55 56 58 59 60 62 63 64\n70 75 55 57 58 60 61 62 62 64 65\n71 76 57 59 60 61 63 64 65 66 67\n72 77 59 60 62 63 64 65 66 67 68\n73 78 61 62 64 65 66 67 68 69 70\n74 79 63 64 65 66 67 68 69 70 71\n75 80 64 66 67 68 69 70 71 72 72\n76 81 66 67 68 69 70 71 72 73\n77 82 68 69 70 71 72 73 74\n78 83 69 70 71 72 73 74\n79 84 71 72 73 74 75\n80 85 72 73 74 75\n81 86 74 75 75\n82 87 75 76\n83 88 76\n84 89\n85 90\nAges Duration of guaranteed amount—[Years]\nMale Female 1 2 3 4 5 6 7 8 9 10 11 12 13 14\n86 91 6 12 18 24 29 34 38 43 47 50 54 57 59 62\n87 92 7 13 19 25 31 36 40 45 49 52 56 59 61 64\n88 93 7 14 21 27 32 38 42 47 51 55 58 61 63 66\n89 94 8 15 22 28 34 40 45 49 53 57 60 63 65 68\n90 95 8 16 23 30 36 42 47 51 55 59 62 65 67 70\n91 96 9 17 25 32 38 44 49 53 57 61 64 67 69 71\n92 97 9 18 26 34 40 46 51 55 59 63 66 69 71 73\n93 98 10 20 28 36 42 48 53 58 62 65 68 70 73 75\n94 99 11 21 30 37 44 50 55 60 64 67 70 72 74 76\n95 100 12 22 31 39 46 52 58 62 66 69 72 74 76 78\n96 101 12 24 33 42 49 55 60 64 68 71 73 76 78 79\n97 102 13 25 35 44 51 57 62 66 70 73 75 77 79\n98 103 14 27 37 46 54 60 65 69 72 75 77 79\n99 104 15 29 40 49 56 62 67 71 74 77 79\n100 105 17 31 43 52 59 65 70 74 76 79\n101 106 18 33 46 55 63 68 73 76 79\n102 107 20 36 49 59 66 71 75 78\n103 108 22 40 53 62 69 74 78\n104 109 24 43 57 66 73 77\n105 110 27 48 61 70 76\n106 111 53 66 74\n107 112 35 53 71\n108 113 40 64\nAges Duration of guaranteed amount—[Years]\nMale Female 15 16 17 18 19 20 21 22 23 24 25\n86 91 64 66 68 70 72 73 74 75 76 77\n87 92 66 68 70 72 73 74 76 77 78\n88 93 68 70 72 73 75 76 77 78\n89 94 70 72 73 75 76 77 78\n90 95 72 73 75 76 77 79\n91 96 73 75 76 78 79\n92 97 75 76 78 79\n93 98 76 78 79\n94 99 78 79\n95 100 79\nTable IV—Temporary Life Annuities 1—One Life—Expected Return Multiples\n[See footnote at end of table]\nAges Temporary period—maximum duration of annuity—[Years]\nMale Female 1 2 3 4 5 6 7 8 9 10\n0 to 8 0 to 13 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n9 14 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n10 15 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n11 16 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n12 17 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n13 18 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n14 19 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n15 20 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n16 21 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n17 22 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n18 23 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n19 24 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n20 25 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n21 26 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n22 27 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n23 28 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n24 29 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n25 30 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n26 31 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n27 32 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n28 33 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n29 34 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n30 35 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n31 36 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n32 37 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n33 38 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n34 39 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8\n35 40 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8\n36 41 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8\n37 42 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8\n38 43 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8\n39 44 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8\n40 45 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n41 46 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n42 47 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n43 48 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n44 49 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.7\n45 50 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6\n46 51 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6\n47 52 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6\n48 53 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.6 9.5\n49 54 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5\n50 55 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5\n51 56 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.7 8.6 9.4\n52 57 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4\n53 58 1.0 2.0 2.9 3.9 4.9 5.8 6.7 7.6 8.5 9.3\n54 59 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3\n55 60 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.5 8.4 9.2\n56 61 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2\n57 62 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1\n58 63 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.3 9.1\n59 64 1.0 2.0 2.9 3.9 4.8 5.7 6.5 7.4 8.2 9.0\n60 65 1.0 2.0 2.9 3.8 4.8 5.6 6.5 7.3 8.1 8.9\n61 66 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8\n62 67 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.8\n63 68 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 7.9 8.7\n64 69 1.0 1.9 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6\n65 70 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.1 7.8 8.5\n66 71 1.0 1.9 2.9 3.8 4.6 5.4 6.2 7.0 7.7 8.4\n67 72 1.0 1.9 2.9 3.7 4.6 5.4 6.2 6.9 7.6 8.3\n68 73 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.2\n69 74 1.0 1.9 2.8 3.7 4.5 5.3 6.1 6.8 7.4 8.0\n70 75 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9\n71 76 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.8\n72 77 1.0 1.9 2.8 3.6 4.4 5.2 5.8 6.5 7.1 7.6\n73 78 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5\n74 79 1.0 1.9 2.8 3.6 4.3 5.0 5.7 6.3 6.8 7.3\n75 80 1.0 1.9 2.7 3.5 4.3 5.0 5.6 6.2 6.7 7.1\n76 81 1.0 1.9 2.7 3.5 4.2 4.9 5.5 6.1 6.5 7.0\n77 82 1.0 1.9 2.7 3.5 4.2 4.8 5.4 5.9 6.4 6.8\n78 83 1.0 1.9 2.7 3.4 4.1 4.7 5.3 5.8 6.2 6.6\n79 84 1.0 1.8 2.7 3.4 4.1 4.7 5.2 5.7 6.1 6.4\n80 85 1.0 1.8 2.6 3.4 4.0 4.6 5.1 5.5 5.9 6.2\n81 86 1.0 1.8 2.6 3.3 3.9 4.5 5.0 5.4 5.7 6.0\n82 87 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.6 5.8\n83 88 .9 1.8 2.6 3.2 3.8 4.3 4.7 5.1 5.4 5.6\n84 89 .9 1.8 2.5 3.2 3.7 4.2 4.6 4.9 5.2 5.4\n85 90 .9 1.8 2.5 3.1 3.6 4.1 4.5 4.8 5.0 5.2\n86 91 .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 5.0\nAges Temporary period—maximum duration of annuity—[Years]\nMale Female 11 12 13 14 15 16 17 18 19 20\n0 to 8 0 to 13 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n9 14 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n10 15 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n11 16 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n12 17 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n13 18 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n14 19 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n15 20 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7\n16 21 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7\n17 22 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7\n18 23 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7\n19 24 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7\n20 25 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.7\n21 26 10.9 11.9 12.9 13.8 14.8 15.8 16.8 17.7 18.7 19.6\n22 27 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6\n23 28 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6\n24 29 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6\n25 30 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.7 18.6 19.6\n26 31 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5\n27 32 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5\n28 33 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.5\n29 34 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4\n30 35 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.4\n31 36 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3\n32 37 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.4 19.3\n33 38 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2\n34 39 10.8 11.8 12.7 13.6 14.6 15.5 16.4 17.4 18.3 19.2\n35 40 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1\n36 41 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0\n37 42 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.1 18.9\n38 43 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.9\n39 44 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.1 17.9 18.8\n40 45 10.7 11.6 12.5 13.5 14.4 15.2 16.1 17.0 17.8 18.7\n41 46 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6\n42 47 10.6 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.7 18.5\n43 48 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.6 18.4\n44 49 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.7 17.5 18.3\n45 50 10.5 11.4 12.3 13.2 14.1 14.9 15.7 16.6 17.4 18.1\n46 51 10.5 11.4 12.3 13.2 14.0 14.8 15.7 16.5 17.2 18.0\n47 52 10.5 11.4 12.2 13.1 13.9 14.7 15.6 16.3 17.1 17.8\n48 53 10.4 11.3 12.2 13.0 13.8 14.7 15.4 16.2 17.0 17.7\n49 54 10.4 11.3 12.1 12.9 13.8 14.6 15.3 16.1 16.8 17.5\n50 55 10.3 11.2 12.0 12.9 13.7 14.5 15.2 16.0 16.7 17.4\n51 56 10.3 11.1 12.0 12.8 13.6 14.3 15.1 15.8 16.5 17.2\n52 57 10.2 11.1 11.9 12.7 13.5 14.2 14.9 15.6 16.3 17.0\n53 58 10.2 11.0 11.8 12.6 13.4 14.1 14.8 15.5 16.1 16.8\n54 59 10.1 10.9 11.7 12.5 13.2 14.0 14.6 15.3 15.9 16.5\n55 60 10.1 10.9 11.6 12.4 13.1 13.8 14.5 15.1 15.7 16.3\n56 61 10.0 10.8 11.5 12.3 13.0 13.7 14.3 14.9 15.5 16.1\n57 62 9.9 10.7 11.4 12.2 12.8 13.5 14.1 14.7 15.3 15.8\n58 63 9.8 10.6 11.3 12.0 12.7 13.3 13.9 14.5 15.0 15.5\n59 64 9.8 10.5 11.2 11.9 12.5 13.2 13.7 14.3 14.8 15.3\n60 65 9.7 10.4 11.1 11.7 12.4 13.0 13.5 14.0 14.5 15.0\n61 66 9.6 10.3 11.0 11.6 12.2 12.8 13.3 13.8 14.2 14.7\n62 67 9.5 10.2 10.8 11.4 12.0 12.5 13.1 13.5 14.0 14.3\n63 68 9.4 10.0 10.7 11.3 11.8 12.3 12.8 13.2 13.7 14.0\n64 69 9.3 9.9 10.5 11.1 11.6 12.1 12.5 13.0 13.3 13.7\n65 70 9.1 9.8 10.3 10.9 11.4 11.9 12.3 12.7 13.0 13.3\n66 71 9.0 9.6 10.2 10.7 11.2 11.6 12.0 12.4 12.7 13.0\n67 72 8.9 9.5 10.0 10.5 10.9 11.3 11.7 12.0 12.3 12.6\n68 73 8.7 9.3 9.8 10.3 10.7 11.1 11.4 11.7 12.0 12.2\n69 74 8.6 9.1 9.6 10.0 10.4 10.8 11.1 11.4 11.6 11.8\n70 75 8.4 8.9 9.4 9.8 10.2 10.5 10.8 11.0 11.2 11.4\n71 76 8.3 8.7 9.2 9.6 9.9 10.2 10.4 10.7 10.9 11.0\n72 77 8.1 8.6 8.9 9.3 9.6 9.9 10.1 10.3 10.5 10.6\n73 78 7.9 8.3 8.7 9.0 9.3 9.6 9.8 9.9 10.1 10.2\n74 79 7.7 8.1 8.5 8.8 9.0 9.2 9.4 9.6 9.7 9.8\n75 80 7.6 7.9 8.2 8.5 8.7 8.9 9.1 9.2 9.3 9.4\n76 81 7.4 7.7 8.0 8.2 8.4 8.6 8.7 8.8 8.9 9.0\n77 82 7.1 7.5 7.7 7.9 8.1 8.3 8.4 8.5 8.5 8.6\n78 83 6.9 7.2 7.4 7.6 7.8 7.9 8.0 8.1 8.2 8.2\n79 84 6.7 7.0 7.2 7.3 7.5 7.6 7.7 7.7 7.8 7.8\n80 85 6.5 6.7 6.9 7.1 7.2 7.3 7.3 7.4 7.4 7.4\n81 86 6.3 6.5 6.6 6.8 6.9 6.9 7.0 7.0 7.1\n82 87 6.0 6.2 6.4 6.5 6.5 6.6 6.7 6.7\n83 88 5.8 6.0 6.1 6.2 6.2 6.3 6.3\n84 89 5.6 5.7 5.8 5.9 5.9 6.0\n85 90 5.3 5.5 5.5 5.6 5.6\n86 91 5.1 5.2 5.3 5.3\nAges Temporary period—maximum duration of annuity—[Years]\nMale Female 21 22 23 24 25 26 27 28 29 30\n0 to 8 0 to 13 20.7 21.7 22.7 23.6 24.6 25.6 26.5 27.5 28.4 29.4\n9 14 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4\n10 15 20.7 21.7 22.7 23.6 24.6 25.5 26.5 27.5 28.4 29.4\n11 16 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3\n12 17 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3\n13 18 20.7 21.7 22.6 23.6 24.6 25.5 26.5 27.4 28.4 29.3\n14 19 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.3\n15 20 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.4 28.3 29.2\n16 21 20.7 21.6 22.6 23.6 24.5 25.5 26.4 27.3 28.3 29.2\n17 22 20.7 21.6 22.6 23.5 24.5 25.4 26.4 27.3 28.2 29.2\n18 23 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1\n19 24 20.6 21.6 22.5 23.5 24.4 25.4 26.3 27.2 28.1 29.1\n20 25 20.6 21.6 22.5 23.5 24.4 25.3 26.3 27.2 28.1 29.0\n21 26 20.6 21.5 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9\n22 27 20.6 21.5 22.5 23.4 24.3 25.3 26.2 27.1 28.0 28.9\n23 28 20.6 21.5 22.4 23.4 24.3 25.2 26.1 27.0 27.9 28.8\n24 29 20.5 21.5 22.4 23.3 24.2 25.2 26.1 27.0 27.8 28.7\n25 30 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.8 28.6\n26 31 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.7 28.5\n27 32 20.4 21.3 22.3 23.2 24.1 25.0 25.8 26.7 27.6 28.4\n28 33 20.4 21.3 22.2 23.1 24.0 24.9 25.8 26.6 27.5 28.3\n29 34 20.3 21.2 22.1 23.0 23.9 24.8 25.7 26.5 27.4 28.2\n30 35 20.3 21.2 22.1 23.0 23.8 24.7 25.6 26.4 27.2 28.1\n31 36 20.2 21.1 22.0 22.9 23.8 24.6 25.5 26.3 27.1 27.9\n32 37 20.2 21.1 21.9 22.8 23.7 24.5 25.4 26.2 27.0 27.8\n33 38 20.1 21.0 21.9 22.7 23.6 24.4 25.2 26.0 26.8 27.6\n34 39 20.0 20.9 21.8 22.6 23.5 24.3 25.1 25.9 26.7 27.4\n35 40 20.0 20.8 21.7 22.5 23.3 24.2 25.0 25.7 26.5 27.2\n36 41 19.9 20.7 21.6 22.4 23.2 24.0 24.8 25.6 26.3 27.0\n37 42 19.8 20.6 21.5 22.3 23.1 23.9 24.6 25.4 26.1 26.8\n38 43 19.7 20.5 21.4 22.2 23.0 23.7 24.5 25.2 25.9 26.6\n39 44 19.6 20.4 21.2 22.0 22.8 23.6 24.3 25.0 25.7 26.4\n40 45 19.5 20.3 21.1 21.9 22.6 23.4 24.1 24.8 25.5 26.1\n41 46 19.4 20.2 21.0 21.7 22.5 23.2 23.9 24.6 25.2 25.9\n42 47 19.3 20.1 20.8 21.6 22.3 23.0 23.7 24.3 25.0 25.6\n43 48 19.2 19.9 20.7 21.4 22.1 22.8 23.4 24.1 24.7 25.3\n44 49 19.0 19.8 20.5 21.2 21.9 22.6 23.2 23.8 24.4 25.0\n45 50 18.9 19.6 20.3 21.0 21.7 22.3 22.9 23.5 24.1 24.6\n46 51 18.7 19.4 20.1 20.8 21.5 22.1 22.7 23.2 23.8 24.3\n47 52 18.6 19.3 19.9 20.6 21.2 21.8 22.4 22.9 23.4 23.9\n48 53 18.4 19.1 19.7 20.4 21.0 21.5 22.1 22.6 23.1 23.5\n49 54 18.2 18.9 19.5 20.1 20.7 21.2 21.7 22.2 22.7 23.1\n50 55 18.0 18.7 19.3 19.8 20.4 20.9 21.4 21.9 22.3 22.7\n51 56 17.8 18.4 19.0 19.6 20.1 20.6 21.1 21.5 21.9 22.3\n52 57 17.6 18.2 18.7 19.3 19.8 20.2 20.7 21.1 21.5 21.8\n53 58 17.4 17.9 18.5 19.0 19.4 19.9 20.3 20.7 21.0 21.3\n54 59 17.1 17.7 18.2 18.7 19.1 19.5 19.9 20.2 20.6 20.8\n55 60 16.9 17.4 17.9 18.3 18.7 19.1 19.5 19.8 20.1 20.3\n56 61 16.6 17.1 17.5 18.0 18.4 18.7 19.0 19.3 19.6 19.8\n57 62 16.3 16.8 17.2 17.6 18.0 18.3 18.6 18.9 19.1 19.3\n58 63 16.0 16.5 16.9 17.2 17.6 17.9 18.1 18.4 18.6 18.8\n59 64 15.7 16.1 16.5 16.8 17.1 17.4 17.7 17.9 18.1 18.2\n60 65 15.4 15.8 16.1 16.4 16.7 17.0 17.2 17.4 17.5 17.7\n61 66 15.1 15.4 15.7 16.0 16.3 16.5 16.7 16.9 17.0 17.1\n62 67 14.7 15.0 15.3 15.6 15.8 16.0 16.2 16.3 16.4 16.5\n63 68 14.4 14.6 14.9 15.1 15.3 15.5 15.7 15.8 15.9 16.0\n64 69 14.0 14.3 14.5 14.7 14.9 15.0 15.2 15.3 15.3 15.4\n65 70 13.6 13.8 14.1 14.2 14.4 14.5 14.6 14.7 14.8 14.9\n66 71 13.2 13.4 13.6 13.8 13.9 14.0 14.1 14.2 14.2 14.3\n67 72 12.8 13.0 13.2 13.3 13.4 13.5 13.6 13.7 13.7 13.7\n68 73 12.4 12.6 12.7 12.8 12.9 13.0 13.1 13.1 13.2 13.2\n69 74 12.0 12.1 12.3 12.4 12.4 12.5 12.6 12.6 12.6 12.6\n70 75 11.6 11.7 11.8 11.9 12.0 12.0 12.0 12.1 12.1 12.1\n71 76 11.2 11.3 11.3 11.4 11.5 11.5 11.5 11.6 11.6\n72 77 10.7 10.8 10.9 10.9 11.0 11.0 11.0 11.0\n73 78 10.3 10.4 10.4 10.5 10.5 10.5 10.5\n74 79 9.9 9.9 10.0 10.0 10.1 10.1\n75 80 9.5 9.5 9.6 9.6 9.6\n76 81 9.1 9.1 9.1 9.1\n77 82 8.6 8.7 8.7\n78 83 8.2 8.3\n79 84 7.8\nFootnote to Table IV:\n1 The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of § 1.72-5.\nTable V—Ordinary Life Annuities One Life—Expected Return Multiples\nAge Multiple\n5 76.6\n6 75.6\n7 74.7\n8 73.7\n9 72.7\n10 71.7\n11 70.7\n12 69.7\n13 68.8\n14 67.8\n15 66.8\n16 65.8\n17 64.8\n18 63.9\n19 62.9\n20 61.9\n21 60.9\n22 59.9\n23 59.0\n24 58.0\n25 57.0\n26 56.0\n27 55.1\n28 54.1\n29 53.1\n30 52.2\n31 51.2\n32 50.2\n33 49.3\n34 48.3\n35 47.3\n36 46.4\n37 45.4\n38 44.4\n39 43.5\n40 42.5\n41 41.5\n42 40.6\n43 39.6\n44 38.7\n45 37.7\n46 36.8\n47 35.9\n48 34.9\n49 34.0\n50 33.1\n51 32.2\n52 31.3\n53 30.4\n54 29.5\n55 28.6\n56 27.7\n57 26.8\n58 25.9\n59 25.0\n60 24.2\n61 23.3\n62 22.5\n63 21.6\n64 20.8\n65 20.0\n66 19.2\n67 18.4\n68 17.6\n69 16.8\n70 16.0\n71 15.3\n72 14.6\n73 13.9\n74 13.2\n75 12.5\n76 11.9\n77 11.2\n78 10.6\n79 10.0\n80 9.5\n81 8.9\n82 8.4\n83 7.9\n84 7.4\n85 6.9\n86 6.5\n87 6.1\n88 5.7\n89 5.3\n90 5.0\n91 4.7\n92 4.4\n93 4.1\n94 3.9\n95 3.7\n96 3.4\n97 3.2\n98 3.0\n99 2.8\n100 2.7\n101 2.5\n102 2.3\n103 2.1\n104 1.9\n105 1.8\n106 1.6\n107 1.4\n108 1.3\n109 1.1\n110 1.0\n111 .9\n112 .8\n113 .7\n114 .6\n115 .5\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 5 6 7 8 9 10 11 12 13 14\n5 83.8 83.3 82.8 82.4 82.0 81.6 81.2 80.9 80.6 80.3\n6 83.3 82.8 82.3 81.8 81.4 81.0 80.6 80.3 79.9 79.6\n7 82.8 82.3 81.8 81.3 80.9 80.4 80.0 79.6 79.3 78.9\n8 82.4 81.8 81.3 80.8 80.3 79.9 79.4 79.0 78.6 78.3\n9 82.0 81.4 80.9 80.3 79.8 79.3 78.9 78.4 78.0 77.6\n10 81.6 81.0 80.4 79.9 79.3 78.8 78.3 77.9 77.4 77.0\n11 81.2 80.6 80.0 79.4 78.9 78.3 77.8 77.3 76.9 76.4\n12 80.9 80.3 79.6 79.0 78.4 77.9 77.3 76.8 76.3 75.9\n13 80.6 79.9 79.3 78.6 78.0 77.4 76.9 76.3 75.8 75.3\n14 80.3 79.6 78.9 78.3 77.6 77.0 76.4 75.9 75.3 74.8\n15 80.0 79.3 78.6 77.9 77.3 76.6 76.0 75.4 74.9 74.3\n16 79.8 79.0 78.3 77.6 76.9 76.3 75.6 75.0 74.4 73.9\n17 79.5 78.8 78.0 77.3 76.6 75.9 75.3 74.6 74.0 73.4\n18 79.3 78.5 77.8 77.0 76.3 75.6 74.9 74.3 73.6 73.0\n19 79.1 78.3 77.5 76.8 76.0 75.3 74.6 73.9 73.3 72.6\n20 78.9 78.1 77.3 76.5 75.8 75.0 74.3 73.6 72.9 72.3\n21 78.7 77.9 77.1 76.3 75.5 74.8 74.0 73.3 72.6 71.9\n22 78.6 77.7 76.9 76.1 75.3 74.5 73.8 73.0 72.3 71.6\n23 78.4 77.6 76.7 75.9 75.1 74.3 73.5 72.8 72.0 71.3\n24 78.3 77.4 76.6 75.7 74.9 74.1 73.3 72.6 71.8 71.1\n25 78.2 77.3 76.4 75.6 74.8 73.9 73.1 72.3 71.6 70.8\n26 78.0 77.2 76.3 75.4 74.6 73.8 72.9 72.1 71.3 70.6\n27 77.9 77.1 76.2 75.3 74.4 73.6 72.8 71.9 71.1 70.3\n28 77.8 76.9 76.1 75.2 74.3 73.4 72.6 71.8 70.9 70.1\n29 77.7 76.8 76.0 75.1 74.2 73.3 72.5 71.6 70.8 70.0\n30 77.7 76.8 75.9 75.0 74.1 73.2 72.3 71.5 70.6 69.8\n31 77.6 76.7 75.8 74.9 74.0 73.1 72.2 71.3 70.5 69.6\n32 77.5 76.6 75.7 74.8 73.9 73.0 72.1 71.2 70.3 69.5\n33 77.5 76.5 75.6 74.7 73.8 72.9 72.0 71.1 70.2 69.3\n34 77.4 76.5 75.5 74.6 73.7 72.8 71.9 71.0 70.1 69.2\n35 77.3 76.4 75.5 74.5 73.6 72.7 71.8 70.9 70.0 69.1\n36 77.3 76.3 75.4 74.5 73.5 72.6 71.7 70.8 69.9 69.0\n37 77.2 76.3 75.4 74.4 73.5 72.6 71.6 70.7 69.8 68.9\n38 77.2 76.2 75.3 74.4 73.4 72.5 71.6 70.6 69.7 68.8\n39 77.2 76.2 75.3 74.3 73.4 72.4 71.5 70.6 69.6 68.7\n40 77.1 76.2 75.2 74.3 73.3 72.4 71.4 70.5 69.6 68.6\n41 77.1 76.1 75.2 74.2 73.3 72.3 71.4 70.4 69.5 68.6\n42 77.0 76.1 75.1 74.2 73.2 72.3 71.3 70.4 69.4 68.5\n43 77.0 76.1 75.1 74.1 73.2 72.2 71.3 70.3 69.4 68.5\n44 77.0 76.0 75.1 74.1 73.1 72.2 71.2 70.3 69.3 68.4\n45 77.0 76.0 75.0 74.1 73.1 72.2 71.2 70.2 69.3 68.4\n46 76.9 76.0 75.0 74.0 73.1 72.1 71.2 70.2 69.3 68.3\n47 76.9 75.9 75.0 74.0 73.1 72.1 71.1 70.2 69.2 68.3\n48 76.9 75.9 75.0 74.0 73.0 72.1 71.1 70.1 69.2 68.2\n49 76.9 75.9 74.9 74.0 73.0 72.0 71.1 70.1 69.1 68.2\n50 76.9 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.2\n51 76.8 75.9 74.9 73.9 73.0 72.0 71.0 70.1 69.1 68.1\n52 76.8 75.9 74.9 73.9 72.9 72.0 71.0 70.0 69.1 68.1\n53 76.8 75.8 74.9 73.9 72.9 71.9 71.0 70.0 69.0 68.1\n54 76.8 75.8 74.8 73.9 72.9 71.9 71.0 70.0 69.0 68.1\n55 76.8 75.8 74.8 73.9 72.9 71.9 70.9 70.0 69.0 68.0\n56 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0\n57 76.8 75.8 74.8 73.8 72.9 71.9 70.9 69.9 69.0 68.0\n58 76.8 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0\n59 76.7 75.8 74.8 73.8 72.8 71.9 70.9 69.9 68.9 68.0\n60 76.7 75.8 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9\n61 76.7 75.7 74.8 73.8 72.8 71.8 70.9 69.9 68.9 67.9\n62 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9\n63 76.7 75.7 74.8 73.8 72.8 71.8 70.8 69.9 68.9 67.9\n64 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9\n65 76.7 75.7 74.7 73.8 72.8 71.8 70.8 69.8 68.9 67.9\n66 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.9 67.9\n67 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9\n68 76.7 75.7 74.7 73.7 72.8 71.8 70.8 69.8 68.8 67.9\n69 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8\n70 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8\n71 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8\n72 76.7 75.7 74.7 73.7 72.7 71.8 70.8 69.8 68.8 67.8\n73 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8\n74 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8\n75 76.7 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8\n76 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8\n77 76.6 75.7 74.7 73.7 72.7 71.7 70.8 69.8 68.8 67.8\n78 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n79 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n80 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n81 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n82 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n83 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n84 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n85 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n86 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n87 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n88 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.8 68.8 67.8\n89 76.6 75.7 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n90 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n91 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n92 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n93 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n94 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n95 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n96 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n97 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n98 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n99 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n100 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n101 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n102 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n103 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n104 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n105 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n106 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n107 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n108 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n109 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n110 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n111 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n112 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n113 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n114 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\n115 76.6 75.6 74.7 73.7 72.7 71.7 70.7 69.7 68.8 67.8\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 15 16 17 18 19 20 21 22 23 24\n15 73.8 73.3 72.9 72.4 72.0 71.6 71.3 70.9 70.6 70.3\n16 73.3 72.8 72.3 71.9 71.4 71.0 70.7 70.3 70.0 69.6\n17 72.9 72.3 71.8 71.3 70.9 70.5 70.0 69.7 69.3 69.0\n18 72.4 71.9 71.3 70.8 70.4 69.0 69.5 69.9 68.7 68.3\n19 72.0 71.4 70.9 70.4 69.8 69.4 68.9 68.5 68.1 67.7\n20 71.6 71.0 70.5 69.9 69.4 68.8 68.4 67.9 67.5 67.1\n21 71.3 70.7 70.0 69.5 68.9 68.4 67.9 67.4 66.9 66.5\n22 70.9 70.3 69.7 69.0 68.5 67.9 67.4 66.9 66.4 65.9\n23 70.6 70.0 69.3 68.7 68.1 67.5 66.9 66.4 65.9 65.4\n24 70.3 69.6 69.0 68.3 67.7 67.1 66.5 65.9 65.4 64.9\n25 70.1 69.3 68.6 68.0 67.3 66.7 66.1 65.5 64.9 64.4\n26 69.8 69.1 68.3 67.6 67.0 66.3 65.7 65.1 64.5 63.9\n27 69.6 68.8 68.1 67.3 66.7 66.0 65.3 64.7 64.1 63.5\n28 69.3 68.6 67.8 67.1 66.4 65.7 65.0 64.3 63.7 63.1\n29 69.1 68.4 67.6 66.8 66.1 65.4 64.7 64.0 63.3 62.7\n30 69.0 68.2 67.4 66.6 65.8 65.1 64.4 63.7 63.0 62.3\n31 68.8 68.0 67.2 66.4 65.6 64.8 64.1 63.4 62.7 62.0\n32 68.6 67.8 67.0 66.2 65.4 64.6 63.8 63.1 62.4 61.7\n33 68.5 67.6 66.8 66.0 65.2 64.4 63.6 62.8 62.1 61.4\n34 68.3 67.5 66.6 65.8 65.0 64.2 63.4 62.6 61.9 61.1\n35 68.2 67.4 66.5 65.6 64.8 64.0 63.2 62.4 61.6 60.9\n36 68.1 67.2 66.4 65.5 64.7 63.8 63.0 62.2 61.4 60.6\n37 68.0 67.1 66.2 65.4 64.5 63.7 62.8 62.0 61.2 60.4\n38 67.9 67.0 66.1 65.2 64.4 63.5 62.7 61.8 61.0 60.2\n39 67.8 66.9 66.0 65.1 64.2 63.4 62.5 61.7 60.8 60.0\n40 67.7 66.8 65.9 65.0 64.1 63.3 62.4 61.5 60.7 59.9\n41 67.7 66.7 65.8 64.9 64.0 63.1 62.3 61.4 60.5 59.7\n42 67.6 66.7 65.7 64.8 63.9 63.0 62.2 61.3 60.4 59.6\n43 67.5 66.6 65.7 64.8 63.8 62.9 62.1 61.2 60.3 59.4\n44 67.5 66.5 65.6 64.7 63.8 62.9 62.0 61.1 60.2 59.3\n45 67.4 66.5 65.5 64.6 63.7 62.8 61.9 61.0 60.1 59.2\n46 67.4 66.4 65.4 64.6 63.6 62.7 61.8 60.9 60.0 59.1\n47 67.3 66.4 65.4 64.5 63.6 62.6 61.7 60.8 59.9 59.0\n48 67.3 66.3 65.4 64.4 63.5 62.6 61.6 60.7 59.8 58.9\n49 67.2 66.3 65.3 64.4 63.5 62.5 61.6 60.7 59.7 58.8\n50 67.2 66.2 65.3 64.3 63.4 62.5 61.5 60.6 59.7 58.8\n51 67.2 66.2 65.3 64.3 63.4 62.4 61.5 60.5 59.6 58.7\n52 67.1 66.2 65.2 64.3 63.3 62.4 61.4 60.5 59.6 58.6\n53 67.1 66.2 65.2 64.2 63.3 62.3 61.4 60.4 59.5 58.6\n54 67.1 66.1 65.2 64.2 63.2 62.3 61.3 60.4 59.5 58.5\n55 67.1 66.1 65.1 64.2 63.2 62.3 61.3 60.4 59.4 58.5\n56 67.0 66.1 65.1 64.1 63.2 62.2 61.3 60.3 59.4 58.4\n57 67.0 66.1 65.1 64.1 63.2 62.2 61.2 60.3 59.3 58.4\n58 67.0 66.0 65.1 64.1 63.1 62.2 61.2 60.3 59.3 58.4\n59 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.3 58.3\n60 67.0 66.0 65.0 64.1 63.1 62.1 61.2 60.2 59.2 58.3\n61 67.0 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.3\n62 66.9 66.0 65.0 64.0 63.1 62.1 61.1 60.2 59.2 58.2\n63 66.9 66.0 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2\n64 66.9 65.9 65.0 64.0 63.0 62.1 61.1 60.1 59.2 58.2\n65 66.9 65.9 65.0 64.0 63.0 62.0 61.1 60.1 59.1 58.2\n66 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.2\n67 66.9 65.9 64.9 64.0 63.0 62.0 61.1 60.1 59.1 58.1\n68 66.9 65.9 64.9 64.0 63.0 62.0 61.0 60.1 59.1 58.1\n69 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1\n70 66.9 65.9 64.9 63.9 63.0 62.0 61.0 60.0 59.1 58.1\n71 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.1 58.1\n72 66.9 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1\n73 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1\n74 66.8 65.9 64.9 63.9 62.9 62.0 61.0 60.0 59.0 58.1\n75 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.1\n76 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0\n76 66.8 65.9 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0\n77 66.8 65.9 64.9 63.9 63.9 62.9 61.0 60.0 59.0 58.0\n78 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0\n79 66.8 65.8 64.9 63.9 62.9 61.9 61.0 60.0 59.0 58.0\n80 66.8 65.9 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n81 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n82 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n83 66.8 65.8 64.9 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n84 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n85 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n86 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n87 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n88 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n89 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n90 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n91 66.8 65.8 64.8 63.9 62.9 61.9 60.9 60.0 59.0 58.0\n92 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n93 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n94 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n95 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n96 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n97 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n98 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n99 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n100 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n101 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n102 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n103 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n104 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n105 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n106 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n107 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n108 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n109 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n110 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n111 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n112 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n113 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n114 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\n115 66.8 65.8 64.8 63.9 62.9 61.9 60.9 59.9 59.0 58.0\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 25 26 27 28 29 30 31 32 33 34\n25 63.9 63.4 62.9 62.5 62.1 61.7 61.3 61.0 60.7 60.4\n26 63.4 62.9 62.4 61.9 61.5 61.1 60.7 60.4 60.0 59.7\n27 62.9 62.4 61.9 61.4 60.9 60.5 60.1 59.7 59.4 59.0\n28 62.5 61.9 61.4 60.9 60.4 60.0 59.5 59.1 58.7 58.4\n29 62.1 61.5 60.9 60.4 59.9 59.4 59.0 58.5 58.1 57.7\n30 61.7 61.1 60.5 60.0 59.4 58.9 58.4 58.0 57.5 57.1\n31 61.3 60.7 60.1 59.5 59.0 58.4 57.9 57.4 57.0 56.5\n32 61.0 60.4 59.7 59.1 58.5 58.0 57.4 56.9 56.4 56.0\n33 60.7 60.0 59.4 58.7 58.1 57.5 57.0 56.4 55.9 55.5\n34 60.4 59.7 59.0 58.4 57.7 57.1 56.5 56.0 55.5 54.9\n35 60.1 59.4 58.7 58.0 57.4 56.7 56.1 55.6 55.0 54.5\n36 59.9 59.1 58.4 57.7 57.0 56.4 55.8 55.1 54.6 54.0\n37 59.6 58.9 58.1 57.4 56.7 56.0 55.4 54.8 54.2 53.6\n38 59.4 58.6 57.9 57.9 56.4 55.7 55.1 54.4 53.8 53.2\n39 59.2 58.4 57.7 56.9 56.2 55.4 54.7 54.1 53.4 52.8\n40 59.0 58.2 57.4 56.7 55.9 55.2 54.5 53.8 53.1 52.4\n41 58.9 58.0 57.2 56.4 55.7 54.9 54.2 53.5 52.8 52.1\n42 58.7 57.9 57.1 56.2 55.5 54.7 53.9 53.2 52.5 51.8\n43 58.6 57.7 56.9 56.1 55.3 54.5 53.7 52.9 52.2 51.5\n44 58.4 57.6 56.7 55.9 55.1 54.3 53.5 52.7 52.0 51.2\n45 58.3 57.4 56.6 55.7 54.9 54.1 53.3 52.5 51.7 51.0\n46 58.2 57.3 56.5 55.6 54.8 53.9 53.1 52.3 51.5 50.7\n47 58.1 57.2 56.3 55.5 54.6 53.8 52.9 52.1 51.3 50.5\n48 58.0 57.1 56.2 55.3 54.5 53.6 52.8 51.9 51.1 50.3\n49 57.9 57.0 56.1 55.2 54.4 53.5 52.6 51.8 51.0 50.1\n50 57.8 56.9 56.0 55.1 54.2 53.4 52.5 51.7 50.8 50.0\n51 57.8 56.9 55.9 55.0 54.1 53.3 52.4 51.5 50.7 49.8\n52 57.7 56.8 55.9 55.0 54.1 53.2 52.3 51.4 50.5 49.7\n53 57.6 56.7 55.8 54.9 54.0 53.1 52.2 51.3 50.4 49.6\n54 57.6 56.7 55.7 54.8 53.9 53.0 52.1 51.2 50.3 49.4\n55 57.5 56.6 55.7 54.7 53.8 52.9 52.0 51.1 40.2 49.3\n56 57.5 56.5 55.6 54.7 53.8 52.8 51.9 51.0 50.1 49.2\n57 57.4 56.5 55.6 54.6 53.7 52.8 51.9 50.9 50.0 49.1\n58 57.4 56.5 55.5 54.6 53.6 52.7 51.8 50.9 50.0 49.1\n59 57.4 56.4 55.5 54.5 53.6 52.7 51.7 50.8 49.9 49.0\n60 57.3 56.4 55.4 54.5 53.6 52.6 51.7 50.8 49.8 48.9\n61 57.3 56.4 55.4 54.5 53.5 52.6 51.6 50.7 49.8 48.9\n62 57.3 56.3 55.4 54.4 53.5 52.5 51.6 50.7 49.7 48.8\n63 57.3 56.3 55.3 54.4 53.4 52.5 51.6 50.6 49.7 48.7\n64 57.2 56.3 55.3 54.4 53.4 52.5 51.5 50.6 49.6 48.7\n65 57.2 56.3 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.7\n66 57.2 56.2 55.3 54.3 53.4 52.4 51.5 50.5 49.6 48.6\n67 57.2 56.2 55.3 54.3 53.3 52.4 51.4 50.5 49.5 48.6\n68 57.2 56.2 55.2 54.3 53.3 52.4 51.4 50.4 49.5 48.6\n69 57.1 56.2 55.2 54.3 53.3 52.3 51.4 50.4 49.5 48.5\n70 57.1 56.2 55.2 54.2 53.3 52.3 51.4 50.4 49.4 48.5\n71 57.1 56.2 55.2 54.2 53.3 52.3 51.3 50.4 49.4 48.5\n72 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.4 49.4 48.5\n73 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4\n74 57.1 56.1 55.2 54.2 53.2 52.3 51.3 50.3 49.4 48.4\n75 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.4 48.4\n76 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4\n77 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4\n78 57.1 56.1 55.1 54.2 53.2 52.2 51.3 50.3 49.3 48.4\n79 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.4\n80 57.1 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3\n81 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3\n82 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3\n83 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3\n84 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.3 49.3 48.3\n85 57.0 56.1 55.1 54.1 53.2 52.2 51.2 50.2 49.3 48.3\n86 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n87 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n88 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n89 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n90 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n91 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n92 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n93 57.0 56.1 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n94 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n95 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n96 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n97 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n98 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n99 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n100 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n101 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n102 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n103 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n104 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n105 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n106 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n107 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n108 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n109 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n110 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n111 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n112 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n113 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n114 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\n115 57.0 56.0 55.1 54.1 53.1 52.2 51.2 50.2 49.3 48.3\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 35 36 37 38 39 40 41 42 43 44\n35 54.0 53.5 53.0 52.6 52.2 51.8 51.4 51.1 50.8 50.5\n36 53.5 53.0 52.5 52.0 51.6 51.2 50.8 50.4 50.1 49.8\n37 53.0 52.5 52.0 51.5 51.0 50.6 50.2 49.8 49.5 49.1\n38 52.6 52.0 51.5 51.0 50.5 50.0 49.6 49.2 48.8 48.5\n39 52.2 51.6 51.0 50.5 50.0 49.5 49.1 48.6 48.2 47.8\n40 51.8 51.2 50.6 50.0 49.5 49.0 48.5 48.1 47.6 47.2\n41 51.4 50.8 50.2 49.6 49.1 48.5 48.0 47.5 47.1 46.7\n42 51.1 50.4 49.8 49.2 48.6 48.1 47.5 47.0 46.6 46.1\n43 50.8 50.1 49.5 48.8 48.2 47.6 47.1 46.6 46.0 45.6\n44 50.5 49.8 49.1 48.5 47.8 47.2 46.7 46.1 45.6 45.1\n45 50.2 49.5 48.8 48.1 47.5 46.9 46.3 45.7 45.1 44.6\n46 50.0 49.2 48.5 47.8 47.2 46.5 45.9 45.3 44.7 44.1\n47 49.7 49.0 48.3 47.5 46.8 46.2 45.5 44.9 44.3 43.7\n48 49.5 48.8 48.0 47.3 46.6 45.9 45.2 44.5 43.9 43.3\n49 49.3 48.5 47.8 47.0 46.3 45.6 44.9 44.2 43.6 42.9\n50 49.2 48.4 47.6 46.8 46.0 45.3 44.6 43.9 43.2 42.6\n51 49.0 48.2 47.4 46.6 45.8 45.1 44.3 43.6 42.9 44.2\n52 48.8 48.0 47.2 46.4 45.6 44.8 44.1 43.3 42.6 41.9\n53 48.7 47.9 47.0 46.2 45.4 44.6 43.9 43.1 42.4 41.7\n54 48.6 47.7 46.9 46.0 45.2 44.4 43.6 42.9 42.1 41.4\n55 48.5 47.6 46.7 45.9 45.1 44.2 43.4 42.7 41.9 41.2\n56 48.3 47.5 46.6 45.8 44.9 44.1 43.3 42.5 41.7 40.9\n57 48.3 47.4 46.5 45.6 44.8 43.9 43.1 42.3 41.5 40.7\n58 48.2 47.3 46.4 45.5 44.7 43.8 43.0 42.1 41.3 40.5\n59 48.1 47.2 46.3 45.4 44.5 43.7 42.8 42.0 41.2 40.4\n60 48.0 47.1 46.2 45.3 44.4 43.6 42.7 41.9 41.0 40.2\n61 47.9 47.0 46.1 45.2 44.3 43.5 42.6 41.7 40.9 40.0\n62 47.9 47.0 46.0 45.1 44.2 43.4 42.5 41.6 40.8 39.9\n63 47.8 46.9 46.0 45.1 44.2 43.3 42.4 41.5 40.6 39.8\n64 47.8 46.8 45.9 45.0 44.1 43.2 42.3 41.4 40.5 39.7\n65 47.7 46.8 45.9 44.9 44.0 43.1 42.2 41.3 40.4 39.6\n66 47.7 46.7 45.8 44.9 44.0 43.1 42.2 41.3 40.4 39.5\n67 47.6 46.7 45.8 44.8 43.9 43.0 42.1 41.2 40.3 39.4\n68 47.6 46.7 45.7 44.8 43.9 42.9 42.0 41.1 40.2 39.3\n69 47.6 46.6 45.7 44.8 43.8 42.9 42.0 41.1 40.2 39.3\n70 47.5 46.6 45.7 44.7 43.8 42.9 41.9 41.0 40.1 39.2\n71 47.5 46.6 45.6 44.7 43.8 42.8 41.9 41.0 40.1 39.1\n72 47.5 46.6 45.6 44.7 43.7 42.8 41.9 40.9 40.0 39.1\n73 47.5 46.5 45.6 44.6 43.7 42.8 41.8 40.9 40.0 39.0\n74 47.5 46.5 45.6 44.6 43.7 42.7 41.8 40.9 39.9 39.0\n75 47.4 46.5 45.5 44.6 43.6 42.7 41.8 40.8 39.9 39.0\n76 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.9 38.9\n77 47.4 46.5 45.5 44.6 43.6 42.7 41.7 40.8 39.8 38.9\n78 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9\n79 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.9\n80 47.4 46.4 45.5 44.5 43.6 42.6 41.7 40.7 39.8 38.8\n81 47.4 46.4 45.5 44.5 43.5 42.6 41.6 40.7 39.8 38.8\n82 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8\n83 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8\n84 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8\n85 47.4 46.4 45.4 44.5 43.5 42.6 41.6 40.7 39.7 38.8\n86 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.8\n87 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7\n88 47.3 46.4 45.4 44.5 43.5 42.5 41.6 40.6 39.7 38.7\n89 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7\n90 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7\n91 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 39.7\n92 47.3 46.4 45.4 44.4 44.4 43.5 42.5 41.6 40.6 38.7\n93 47.3 46.4 45.4 43.5 42.5 41.6 40.6 39.7 39.7 38.7\n94 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7\n95 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7\n96 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.7 38.7\n97 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7\n98 47.3 46.4 45.4 44.4 43.5 42.5 41.6 40.6 39.6 38.7\n99 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n100 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n101 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n102 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n103 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n104 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n105 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n106 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n107 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n108 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n109 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n110 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n111 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n112 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n113 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n114 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n114 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\n115 47.3 46.4 45.4 44.4 43.5 42.5 41.5 40.6 39.6 38.7\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 45 46 47 48 49 50 51 52 53 54\n45 44.1 43.6 43.2 42.7 42.3 42.0 41.6 41.3 41.0 40.7\n46 43.6 43.1 42.6 42.2 41.8 41.4 41.0 40.6 40.3 40.0\n47 43.2 42.6 42.1 41.7 41.2 40.8 40.4 40.0 39.7 39.3\n48 42.7 42.2 41.7 41.2 40.7 40.2 39.8 39.4 39.0 38.7\n49 42.3 41.8 41.2 40.7 40.2 39.7 39.3 38.8 38.4 38.1\n50 42.0 41.4 40.8 40.2 39.7 39.2 38.7 38.3 37.9 37.5\n51 41.6 41.0 40.4 39.8 39.3 38.7 38.2 37.8 37.3 36.9\n52 41.3 40.6 40.0 39.4 38.8 38.3 37.8 37.3 36.8 36.4\n53 41.0 40.3 39.7 39.0 38.4 37.9 37.3 36.8 36.3 35.8\n54 40.7 40.0 39.3 38.7 38.1 37.5 36.9 36.4 35.8 35.3\n55 40.4 39.7 39.0 38.4 37.7 37.1 36.5 35.9 35.4 34.9\n56 40.2 39.5 38.7 38.1 37.4 36.8 36.1 35.6 35.0 34.4\n57 40.0 39.2 38.5 37.8 37.1 36.4 35.8 35.2 34.6 34.0\n58 39.7 39.0 38.2 37.5 36.8 36.1 35.5 34.8 34.2 33.6\n59 39.6 38.8 38.0 37.3 36.6 35.9 35.2 34.5 33.9 33.3\n60 39.4 38.6 37.8 37.1 36.3 35.6 34.9 34.2 33.6 32.9\n61 39.2 38.4 37.6 36.9 36.1 35.4 34.6 33.9 33.3 32.6\n62 39.1 38.3 37.5 36.7 35.9 35.1 34.4 33.7 33.0 32.3\n63 38.9 38.1 37.3 36.5 35.7 34.9 34.2 33.5 32.7 32.0\n64 38.8 38.0 37.2 36.3 35.5 34.8 34.0 33.2 32.5 31.8\n65 38.7 37.9 37.0 36.2 35.4 34.6 33.8 33.0 32.3 31.6\n66 38.6 37.8 36.9 36.1 35.2 34.4 33.6 32.9 32.1 31.4\n67 38.5 37.7 36.8 36.0 35.1 34.3 33.5 32.7 31.9 31.2\n68 38.4 37.6 36.7 35.8 35.0 34.2 33.4 32.5 31.8 31.0\n69 38.4 37.5 36.6 35.7 34.9 34.1 33.2 32.4 31.6 30.8\n70 38.3 37.4 36.5 35.7 34.8 34.0 33.1 32.3 31.5 30.7\n71 38.2 37.3 36.5 35.6 34.7 33.9 33.0 32.2 31.4 30.5\n72 38.2 37.3 36.4 35.5 34.6 33.8 32.9 32.1 31.2 30.4\n73 38.1 37.2 36.3 35.4 34.6 33.7 32.8 32.0 31.1 30.3\n74 38.1 37.2 36.3 35.4 34.5 33.6 32.8 31.9 31.1 30.2\n75 38.1 37.1 36.2 35.3 34.5 33.6 32.7 31.8 31.0 30.1\n76 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.8 30.9 30.1\n77 38.0 37.1 36.2 35.3 34.4 33.5 32.6 31.7 30.8 30.0\n78 38.0 37.0 36.1 35.2 34.3 33.4 32.5 31.7 30.8 29.9\n79 37.9 37.0 36.1 35.2 34.3 33.4 32.5 31.6 30.7 29.9\n80 37.9 37.0 36.1 35.2 34.2 33.4 32.5 31.6 30.7 29.8\n81 37.9 37.0 36.0 35.1 34.2 33.3 32.4 31.5 30.7 29.8\n82 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7\n83 37.9 36.9 36.0 35.1 34.2 33.3 32.4 31.5 30.6 29.7\n84 37.8 36.9 36.9 35.0 34.2 33.2 32.3 31.4 30.6 29.7\n85 37.8 36.9 36.0 35.1 34.1 33.2 32.3 31.4 30.5 29.6\n86 38.8 36.9 36.0 35.0 34.1 33.2 32.3 31.4 30.5 29.6\n87 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6\n88 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6\n89 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.4 30.5 29.6\n90 37.8 36.9 35.9 35.0 34.1 33.2 32.3 31.3 30.5 29.6\n91 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5\n92 37.8 36.8 35.9 35.0 34.1 33.2 32.2 31.3 30.4 29.5\n93 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5\n94 37.8 36.8 35.9 35.0 34.1 33.1 32.2 31.3 30.4 29.5\n95 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n96 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n97 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n98 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n99 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n101 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n102 37.8 36.8 35.9 35.0 34.0 33.1 32.2 31.3 30.4 29.5\n103 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n104 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n105 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n106 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n107 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n108 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n109 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n110 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n111 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n112 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n113 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n114 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\n115 37.7 36.8 35.9 34.9 34.0 33.1 32.2 31.3 30.4 29.5\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 55 56 57 58 59 60 61 62 63 64\n55 34.4 33.9 33.5 33.1 32.7 32.3 32.0 31.7 31.4 31.1\n56 33.9 33.4 33.0 32.5 32.1 31.7 31.4 31.0 30.7 30.4\n57 33.5 33.0 32.5 32.0 31.6 31.2 30.8 30.4 30.1 29.8\n58 33.1 32.5 32.0 31.5 31.1 30.6 30.2 29.9 29.5 29.2\n59 32.7 32.1 31.6 31.1 30.6 30.1 29.7 29.3 28.9 28.6\n60 32.3 31.7 31.2 30.6 30.1 29.7 29.2 28.8 28.4 28.0\n61 32.0 31.4 30.8 30.2 29.7 29.2 28.7 28.3 27.8 27.4\n62 31.7 31.0 30.4 29.9 29.3 28.8 28.3 27.8 27.3 26.9\n63 31.4 30.7 30.1 29.5 28.9 28.4 27.8 27.3 26.9 26.4\n64 31.1 30.4 29.8 29.2 28.6 28.0 27.4 26.9 26.4 25.9\n65 30.9 30.2 29.5 28.9 28.2 27.6 27.1 26.5 26.0 25.5\n66 30.6 29.9 29.2 28.6 27.9 27.3 26.7 26.1 25.6 25.1\n67 30.4 29.7 29.0 28.3 27.6 27.0 26.4 25.8 25.2 24.7\n68 30.2 29.5 28.8 28.1 27.4 26.7 26.1 25.5 24.9 24.3\n69 30.1 29.3 28.6 27.8 27.1 26.5 25.8 25.2 24.6 24.0\n70 29.9 29.1 28.4 27.6 26.9 26.2 25.6 24.9 24.3 23.7\n71 29.7 29.0 28.2 27.5 26.7 26.0 25.3 24.7 24.0 23.4\n72 29.6 28.8 28.1 27.3 26.5 25.8 25.1 24.4 23.8 23.1\n73 29.5 28.7 27.9 27.1 26.4 25.6 24.9 24.2 23.5 22.9\n74 29.4 28.6 27.8 27.0 26.2 25.5 24.7 24.0 23.3 22.7\n75 29.3 28.5 27.7 26.9 26.1 25.3 24.6 23.8 23.1 22.4\n76 29.2 28.4 27.6 26.8 26.0 25.2 24.4 23.7 23.0 22.3\n77 29.1 28.3 27.5 26.7 25.9 25.1 24.3 23.6 22.8 22.1\n78 29.1 28.2 27.4 26.6 25.8 25.0 24.2 23.4 22.7 21.9\n79 29.0 28.2 27.3 26.5 25.7 24.9 24.1 23.3 22.6 21.8\n80 29.0 28.1 27.3 26.4 25.6 24.8 24.0 23.2 22.4 21.7\n81 28.9 28.1 27.2 26.4 25.5 24.7 23.9 23.1 22.3 21.6\n82 28.9 28.0 27.2 26.3 25.5 24.6 23.8 23.0 22.3 21.5\n83 28.8 28.0 27.1 26.3 25.4 24.6 23.8 23.0 22.2 21.4\n84 28.8 27.9 27.1 26.2 25.4 24.5 23.7 22.9 22.1 21.3\n85 28.8 27.9 27.0 26.2 25.3 24.5 23.7 22.8 22.0 21.3\n86 28.7 27.9 27.0 26.1 25.3 24.5 23.6 22.8 22.0 21.2\n87 28.7 27.8 27.0 26.1 25.3 24.4 23.6 22.8 21.9 21.1\n88 28.7 27.8 27.0 26.1 25.2 24.4 23.5 22.7 21.9 21.1\n89 28.7 27.8 26.9 26.1 25.2 24.4 23.5 22.7 21.9 21.1\n90 28.7 27.8 26.9 26.1 25.2 24.3 23.5 22.7 21.8 21.0\n91 28.7 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0\n92 28.6 27.8 26.9 26.0 25.2 24.3 23.5 22.6 21.8 21.0\n93 28.6 27.8 26.9 26.0 25.1 24.3 23.4 22.6 21.8 20.9\n94 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9\n95 28.6 27.7 26.9 26.0 25.1 24.3 23.4 22.6 21.7 20.9\n96 28.6 27.7 26.9 26.0 25.1 24.2 23.4 22.6 21.7 20.9\n97 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9\n98 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9\n99 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.9\n100 28.6 27.7 26.8 26.0 25.1 24.2 23.4 22.5 21.7 20.8\n101 28.6 27.7 26.8 25.9 25.1 24.2 23.4 22.5 21.7 20.8\n102 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8\n103 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.7 20.8\n104 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n105 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n106 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n107 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n108 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n109 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n110 28.6 27.7 26.8 25.9 25.1 24.2 23.3 22.5 21.6 20.8\n111 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8\n112 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8\n113 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8\n114 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8\n115 28.6 27.7 26.8 25.9 25.0 24.2 23.3 22.5 21.6 20.8\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 65 66 67 68 69 70 71 72 73 74\n65 25.0 24.6 24.2 23.8 23.4 23.1 22.8 22.5 22.2 22.0\n66 24.6 24.1 23.7 23.3 22.9 22.5 22.2 21.9 21.6 21.4\n67 24.2 23.7 23.2 22.8 22.4 22.0 21.7 21.3 21.0 20.8\n68 23.8 23.3 22.8 22.3 21.9 21.5 21.2 20.8 20.5 20.2\n69 23.4 22.9 22.4 21.9 21.5 21.1 20.7 20.3 20.0 19.6\n70 23.1 22.5 22.0 21.5 21.1 20.6 20.2 19.8 19.4 19.1\n71 22.8 22.2 21.7 21.2 20.7 20.2 19.8 19.4 19.0 18.6\n72 22.5 21.9 21.3 20.8 20.3 19.8 19.4 18.9 18.5 18.2\n73 22.2 21.6 21.0 20.5 20.0 19.4 19.0 18.5 18.1 17.7\n74 22.0 21.4 20.8 20.2 19.6 19.1 18.6 18.2 17.7 17.3\n75 21.8 21.1 20.5 19.9 19.3 18.8 18.3 17.8 17.3 16.9\n76 21.6 20.9 20.3 19.7 19.1 18.5 18.0 17.5 17.0 16.5\n77 21.4 20.7 20.1 19.4 18.8 18.3 17.7 17.2 16.7 16.2\n78 21.2 20.5 19.9 19.2 18.6 18.0 17.5 16.9 16.4 15.9\n79 21.1 20.4 19.7 19.0 18.4 17.8 17.2 16.7 16.1 15.6\n80 21.0 20.2 19.5 18.9 18.2 17.6 17.0 16.4 15.9 15.4\n81 20.8 20.1 19.4 18.7 18.1 17.4 16.8 16.2 15.7 15.1\n82 20.7 20.0 19.3 18.6 17.9 17.3 16.6 16.0 15.5 14.9\n83 20.6 19.9 19.2 18.5 17.8 17.1 16.5 15.9 15.3 14.7\n84 20.5 19.8 19.1 18.4 17.7 17.0 16.3 15.7 15.1 14.5\n85 20.5 19.7 19.0 18.3 17.6 16.9 16.2 15.6 15.0 14.4\n86 20.4 19.6 18.9 18.2 17.5 16.8 16.1 15.5 14.8 14.2\n87 20.4 19.6 18.8 18.1 17.4 16.7 16.0 15.4 14.7 14.1\n88 20.3 19.5 18.8 18.0 17.3 16.6 15.9 15.3 14.6 14.0\n89 20.3 19.5 18.7 18.0 17.2 16.5 15.8 15.2 14.5 13.9\n90 20.2 19.4 18.7 17.9 17.2 16.5 15.8 15.1 14.5 13.8\n91 20.2 19.4 18.6 17.9 17.1 16.4 15.7 15.0 14.4 13.7\n92 20.2 19.4 18.6 17.8 17.1 16.4 15.7 15.0 14.3 13.7\n93 20.1 19.3 18.6 17.8 17.1 16.3 15.6 14.9 14.3 13.6\n94 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.6\n95 20.1 19.3 18.5 17.8 17.0 16.3 15.6 14.9 14.2 13.5\n96 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.2 13.5\n97 20.1 19.3 18.5 17.7 17.0 16.2 15.5 14.8 14.1 13.5\n98 20.1 19.3 18.5 17.7 16.9 16.2 15.5 14.8 14.1 13.4\n99 20.0 19.2 18.5 17.7 16.9 16.2 15.5 14.7 14.1 13.4\n100 20.0 19.2 18.4 17.7 16.9 16.2 15.4 14.7 14.0 13.4\n101 20.0 19.2 18.4 17.7 16.9 16.1 15.4 14.7 14.0 13.3\n102 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3\n103 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3\n104 20.0 19.2 18.4 17.6 16.9 16.1 15.4 14.7 14.0 13.3\n105 20.0 19.2 18.4 17.6 16.8 16.1 15.4 14.6 13.9 13.3\n106 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.3\n107 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2\n108 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2\n109 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2\n110 20.0 19.2 18.4 17.6 16.8 16.1 15.3 14.6 13.9 13.2\n111 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2\n112 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2\n113 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2\n114 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2\n115 20.0 19.2 18.4 17.6 16.8 16.0 15.3 14.6 13.9 13.2\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 75 76 77 78 79 80 81 82 83 84\n75 16.5 16.1 15.8 15.4 15.1 14.9 14.6 14.4 14.2 14.0\n76 16.1 15.7 15.4 15.0 14.7 14.4 14.1 13.9 13.7 13.5\n77 15.8 15.4 15.0 14.6 14.3 14.0 13.7 13.4 13.2 13.0\n78 15.4 15.0 14.6 14.2 13.9 13.5 13.2 13.0 12.7 12.5\n79 15.1 14.7 14.3 13.9 13.5 13.2 12.8 12.5 12.3 12.0\n80 14.9 14.4 14.0 13.5 13.2 12.8 12.5 12.2 11.9 11.6\n81 14.6 14.1 13.7 13.2 12.8 12.5 12.1 11.8 11.5 11.2\n82 14.4 13.9 13.4 13.0 12.5 12.2 11.8 11.5 11.1 10.9\n83 14.2 13.7 13.2 12.7 12.3 11.9 11.5 11.1 10.8 10.5\n84 14.0 13.5 13.0 12.5 12.0 11.6 11.2 10.9 10.5 10.2\n85 13.8 13.3 12.8 12.3 11.8 11.4 11.0 10.6 10.2 9.9\n86 13.7 13.1 12.6 12.1 11.6 11.2 10.8 10.4 10.0 9.7\n87 13.5 13.0 12.4 11.9 11.4 11.0 10.6 10.1 9.8 9.4\n88 13.4 12.8 12.3 11.8 11.3 10.8 10.4 10.0 9.6 9.2\n89 13.3 12.7 12.2 11.6 11.1 10.7 10.2 9.8 9.4 9.0\n90 13.2 12.6 12.1 11.5 11.0 10.5 10.1 9.6 9.2 8.8\n91 13.1 12.5 12.0 11.4 10.9 10.4 9.9 9.5 9.1 8.7\n92 13.1 12.5 11.9 11.3 10.8 10.3 9.8 9.4 8.9 8.5\n93 13.0 12.4 11.8 11.3 10.7 10.2 9.7 9.3 8.8 8.4\n94 12.9 12.3 11.7 11.2 10.6 10.1 9.6 9.2 8.7 8.3\n95 12.9 12.3 11.7 11.1 10.6 10.1 9.6 9.1 8.6 8.2\n96 12.9 12.2 11.6 11.1 10.5 10.0 9.5 9.0 8.5 8.1\n97 12.8 12.2 11.6 11.0 10.5 9.9 9.4 8.9 8.5 8.0\n98 12.8 12.2 11.5 11.0 10.4 9.9 9.4 8.9 8.4 8.0\n99 12.7 12.1 11.5 10.9 10.4 9.8 9.3 8.8 8.3 7.9\n100 12.7 12.1 11.5 10.9 10.3 9.8 9.2 8.7 8.3 7.8\n101 12.7 12.1 11.4 10.8 10.3 9.7 9.2 8.7 8.2 7.8\n102 12.7 12.0 11.4 10.8 10.2 9.7 9.2 8.7 8.2 7.7\n103 12.6 12.0 11.4 10.8 10.2 9.7 9.1 8.6 8.1 7.7\n104 12.6 12.0 11.4 10.8 10.2 9.6 9.1 8.6 8.1 7.6\n105 12.6 12.0 11.3 10.7 10.2 9.6 9.1 8.5 8.0 7.6\n106 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5\n107 12.6 11.9 11.3 10.7 10.1 9.6 9.0 8.5 8.0 7.5\n108 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.5 8.0 7.5\n109 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.5\n110 12.6 11.9 11.3 10.7 10.1 9.5 9.0 8.4 7.9 7.4\n111 12.5 11.9 11.3 10.7 10.1 9.5 8.9 8.4 7.9 7.4\n112 12.5 11.9 11.3 10.6 10.1 9.5 8.9 8.4 7.9 7.4\n113 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4\n114 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4\n115 12.5 11.9 11.2 10.6 10.0 9.5 8.9 8.4 7.9 7.4\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 85 86 87 88 89 90 91 92 93 94\n85 9.6 9.3 9.1 8.9 8.7 8.5 8.3 8.2 8.0 7.9\n86 9.3 9.1 8.8 8.6 8.3 8.2 8.0 7.8 7.7 7.6\n87 9.1 8.8 8.5 8.3 8.1 7.9 7.7 7.5 7.4 7.2\n88 8.9 8.6 8.3 8.0 7.8 7.6 7.4 7.2 7.1 6.9\n89 8.7 8.3 8.1 7.8 7.5 7.3 7.1 6.9 6.8 6.6\n90 8.5 8.2 7.9 7.6 7.3 7.1 6.9 6.7 6.5 6.4\n91 8.3 8.0 7.7 7.4 7.1 6.9 6.7 6.5 6.3 6.2\n92 8.2 7.8 7.5 7.2 6.9 6.7 6.5 6.3 6.1 5.9\n93 8.0 7.7 7.4 7.1 6.8 6.5 6.3 6.1 5.9 5.8\n94 7.9 7.6 7.2 6.9 6.6 6.4 6.2 5.9 5.8 5.6\n95 7.8 7.5 7.1 6.8 6.5 6.3 6.0 5.8 5.6 5.4\n96 7.7 7.3 7.0 6.7 6.4 6.1 5.9 5.7 5.5 5.3\n97 7.6 7.3 6.9 6.6 6.3 6.0 5.8 5.5 5.3 5.1\n98 7.6 7.2 6.8 6.5 6.2 5.9 5.6 5.4 5.2 5.0\n99 7.5 7.1 6.7 6.4 6.1 5.8 5.5 5.3 5.1 4.9\n100 7.4 7.0 6.6 6.3 6.0 5.7 5.4 5.2 5.0 4.8\n101 7.3 6.9 6.6 6.2 5.9 5.6 5.3 5.1 4.9 4.7\n102 7.3 6.9 6.5 6.2 5.8 5.5 5.3 5.0 4.8 4.6\n103 7.2 6.8 6.4 6.1 5.8 5.5 5.2 4.9 4.7 4.5\n104 7.2 6.8 6.4 6.0 5.7 5.4 5.1 4.8 4.6 4.4\n105 7.1 6.7 6.3 6.0 5.6 5.3 5.0 4.8 4.5 4.3\n106 7.1 6.7 6.3 5.9 5.6 5.3 5.0 4.7 4.5 4.2\n107 7.1 6.6 6.2 5.9 5.5 5.2 4.9 4.6 4.4 4.2\n108 7.0 6.6 6.2 5.8 5.5 5.2 4.9 4.6 4.3 4.1\n109 7.0 6.6 6.2 5.8 5.5 5.1 4.8 4.5 4.3 4.1\n110 7.0 6.6 6.2 5.8 5.4 5.1 4.8 4.5 4.3 4.0\n111 7.0 6.5 6.1 5.7 5.4 5.1 4.8 4.5 4.2 4.0\n112 7.0 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9\n113 6.9 6.5 6.1 5.7 5.4 5.0 4.7 4.4 4.2 3.9\n114 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9\n115 6.9 6.5 6.1 5.7 5.3 5.0 4.7 4.4 4.1 3.9\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 95 96 97 98 99 100 101 102 103 104\n95 5.3 5.1 5.0 4.8 4.7 4.6 4.5 4.4 4.3 4.2\n96 5.1 5.0 4.8 4.7 4.5 4.4 4.3 4.2 4.1 4.0\n97 5.0 4.8 4.7 4.5 4.4 4.3 4.1 4.0 3.9 3.8\n98 4.8 4.7 4.5 4.4 4.2 4.1 4.0 3.9 3.8 3.7\n99 4.7 4.5 4.4 4.2 4.1 4.0 3.8 3.7 3.6 3.5\n100 4.6 4.4 4.3 4.1 4.0 3.8 3.7 3.6 3.5 3.3\n101 4.5 4.3 4.1 4.0 3.8 3.7 3.6 3.4 3.3 3.2\n102 4.4 4.2 4.0 3.9 3.7 3.6 3.4 3.3 3.2 3.1\n103 4.3 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.0 2.9\n104 4.2 4.0 3.8 3.7 3.5 3.3 3.2 3.1 2.9 2.8\n105 4.1 3.9 3.7 3.6 3.4 3.2 3.1 2.9 2.8 2.7\n106 4.0 3.8 3.6 3.5 3.3 3.1 3.0 2.8 2.7 2.5\n107 4.0 3.8 3.6 3.4 3.2 3.1 2.9 2.7 2.6 2.4\n108 3.9 3.7 3.5 3.3 3.1 3.0 2.8 2.7 2.5 2.3\n109 3.8 3.6 3.4 3.3 3.1 2.9 2.7 2.6 2.4 2.3\n110 3.8 3.6 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.2\n111 3.8 3.5 3.3 3.2 3.0 2.8 2.6 2.4 2.3 2.1\n112 3.7 3.5 3.3 3.1 2.9 2.8 2.6 2.4 2.2 2.1\n113 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.4 2.2 2.0\n114 3.7 3.5 3.3 3.1 2.9 2.7 2.5 2.3 2.1 2.0\n115 3.7 3.4 3.2 3.0 2.8 2.7 2.5 2.3 2.1 1.9\nTable VI—Ordinary Joint Life and Last Survivor Annuities; Two Lives—Expected Return Multiples\nAges 105 106 107 108 109 110 111 112 113 114 115\n105 2.5 2.4 2.3 2.2 2.1 2.0 2.0 1.9 1.8 1.8 1.8\n106 2.4 2.3 2.2 2.1 2.0 1.9 1.8 1.7 1.7 1.6 1.6\n107 2.3 2.2 2.1 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4\n108 2.2 2.1 1.9 1.8 1.7 1.6 1.5 1.5 1.4 1.3 1.3\n109 2.1 2.0 1.8 1.7 1.6 1.5 1.4 1.3 1.3 1.2 1.1\n110 2.0 1.9 1.7 1.6 1.5 1.4 1.3 1.2 1.1 1.1 1.0\n111 2.0 1.8 1.7 1.5 1.4 1.3 1.2 1.1 1.0 .9 .9\n112 1.9 1.7 1.6 1.5 1.3 1.2 1.1 1.0 .9 .8 .8\n113 1.8 1.7 1.5 1.4 1.3 1.1 1.0 .9 .8 .7 .7\n114 1.8 1.6 1.5 1.3 1.2 1.1 .9 .8 .7 .6 .6\n115 1.8 1.6 1.4 1.3 1.1 1.0 .9 .8 .7 .6 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 5 6 7 8 9 10 11 12 13 14\n5 69.5 69.0 68.4 67.9 67.3 66.7 66.1 65.5 64.8 64.1\n6 69.0 68.5 68.0 67.5 66.9 66.4 65.8 65.1 64.5 63.8\n7 68.4 68.0 67.5 67.0 66.5 66.0 65.4 64.8 64.2 63.5\n8 67.9 67.5 67.0 66.6 66.1 65.5 65.0 64.4 63.8 63.2\n9 67.3 66.9 66.5 66.1 65.6 65.1 64.6 64.0 63.4 62.8\n10 66.7 66.4 66.0 65.5 65.1 64.6 64.1 63.6 63.0 62.5\n11 66.1 65.8 65.4 65.0 64.6 64.1 63.6 63.1 62.6 62.1\n12 65.5 65.1 64.8 64.4 64.0 63.6 63.1 62.7 62.2 61.7\n13 64.8 64.5 64.2 63.8 63.4 63.0 62.6 62.2 61.7 61.2\n14 64.1 63.8 63.5 63.2 62.8 62.5 62.1 61.7 61.2 60.7\n15 63.4 63.1 62.9 62.6 62.2 61.9 61.5 61.1 60.7 60.2\n16 62.7 62.4 62.2 61.9 61.6 61.3 60.9 60.5 60.1 59.7\n17 61.9 61.7 61.5 61.2 60.9 60.6 60.3 59.9 59.6 59.2\n18 61.2 61.0 60.7 60.5 60.2 60.0 59.7 59.3 59.0 58.6\n19 60.4 60.2 60.0 59.8 59.5 59.3 59.0 58.7 58.4 58.0\n20 59.6 59.4 59.2 59.0 58.8 58.6 58.3 58.0 57.7 57.4\n21 58.8 58.7 58.5 58.3 58.1 57.8 57.6 57.3 57.1 56.8\n22 58.0 57.8 57.7 57.5 57.3 57.1 56.9 56.6 56.4 56.1\n23 57.2 57.0 56.9 56.7 56.5 56.4 56.1 55.9 55.7 55.4\n24 56.3 56.2 56.1 55.9 55.8 55.6 55.4 55.2 55.0 54.7\n25 55.5 55.4 55.2 55.1 55.0 54.8 54.6 54.4 54.2 54.0\n26 54.6 54.5 54.4 54.3 54.1 54.0 53.8 53.7 53.5 53.3\n27 53.8 53.7 53.6 53.4 53.3 53.2 53.0 52.9 52.7 52.5\n28 52.9 52.8 52.7 52.6 52.5 52.4 52.2 52.1 51.9 51.7\n29 52.0 51.9 51.8 51.7 51.6 51.5 51.4 51.3 51.1 51.0\n30 51.1 51.0 51.0 50.9 50.8 50.7 50.6 50.4 50.3 50.2\n31 50.2 50.2 50.1 50.0 49.9 49.8 49.7 49.6 49.5 49.3\n32 49.3 49.3 49.2 49.1 49.0 49.0 48.9 48.8 48.6 48.5\n33 48.4 48.4 48.3 48.2 48.2 48.1 48.0 47.9 47.8 47.7\n34 47.5 47.5 47.4 47.4 47.3 47.2 47.1 47.0 47.0 46.8\n35 46.6 46.6 46.5 46.5 46.4 46.3 46.3 46.2 46.1 46.0\n36 45.7 45.7 45.6 45.6 45.5 45.4 45.4 45.3 45.2 45.1\n37 44.8 44.7 44.7 44.6 44.6 44.5 44.5 44.4 44.3 44.3\n38 43.9 43.8 43.8 43.7 43.7 43.6 43.6 43.5 43.5 43.4\n39 42.9 42.9 42.9 42.8 42.8 42.7 42.7 42.6 42.6 42.5\n40 42.0 42.0 42.0 41.9 41.9 41.8 41.8 41.7 41.7 41.6\n41 41.1 41.1 41.0 41.0 41.0 40.9 40.9 40.8 40.8 40.7\n42 40.2 40.1 40.1 40.1 40.1 40.0 40.0 39.9 39.9 39.8\n43 39.2 39.2 39.2 39.2 39.1 39.1 39.1 39.0 39.0 39.0\n44 38.3 38.3 38.3 38.3 38.2 38.2 38.2 38.1 38.1 38.1\n45 37.4 37.4 37.4 37.3 37.3 37.3 37.3 37.2 37.2 37.2\n46 36.5 36.5 36.5 36.4 36.4 36.4 36.4 36.3 36.3 36.3\n47 35.6 35.6 35.5 35.5 35.5 35.5 35.5 35.4 35.4 35.4\n48 34.7 34.7 34.6 34.6 34.6 34.6 34.6 34.5 34.5 34.5\n49 33.8 33.8 33.7 33.7 33.7 33.7 33.7 33.7 33.6 33.6\n50 32.9 32.9 32.8 32.8 32.8 32.8 32.8 32.8 32.7 32.7\n51 32.0 32.0 31.9 31.9 31.9 31.9 31.9 31.9 31.9 31.8\n52 31.1 31.1 31.1 31.0 31.0 31.0 31.0 31.0 31.0 30.9\n53 30.2 30.2 30.2 30.2 30.1 30.1 30.1 30.1 30.1 30.1\n54 29.3 29.3 29.3 29.3 29.3 29.2 29.2 29.2 29.2 29.2\n55 28.4 28.4 28.4 28.4 28.4 28.4 28.4 28.3 28.3 28.3\n56 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5 27.5\n57 26.7 26.7 26.7 26.6 26.6 26.6 26.6 26.6 26.6 26.6\n58 25.8 25.8 25.8 25.8 25.8 25.8 25.8 25.7 25.7 25.7\n59 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9 24.9\n60 24.1 24.1 24.1 24.1 24.1 24.0 24.0 24.0 24.0 24.0\n61 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2 23.2\n62 22.4 22.4 22.4 22.4 22.4 22.4 22.3 22.3 22.3 22.3\n63 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5 21.5\n64 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7 20.7\n65 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9 19.9\n66 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1 19.1\n67 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3 18.3\n68 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5\n69 16.8 16.8 16.8 16.7 16.7 16.7 16.7 16.7 16.7 16.7\n70 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0\n71 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.2\n72 14.6 14.6 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5\n73 13.9 13.9 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8\n74 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2\n75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5\n76 11.9 11.9 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8\n77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2\n78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6\n79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0\n80 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.4 9.4\n81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9\n82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4\n83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9\n84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5\n87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.7 3.7 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 15 16 17 18 19 20 21 22 23 24\n15 59.8 59.3 58.8 58.2 57.6 57.0 56.4 55.8 55.1 54.5\n16 59.3 58.8 58.3 57.8 57.2 56.7 56.1 55.5 54.8 54.2\n17 58.8 58.3 57.8 57.3 56.8 56.3 55.7 55.1 54.5 53.9\n18 58.2 57.8 57.3 56.9 56.4 55.9 55.3 54.7 54.2 53.5\n19 57.6 57.2 56.8 56.4 55.9 55.4 54.9 54.4 53.8 53.2\n20 57.0 56.7 56.3 55.9 55.4 54.9 54.5 53.9 53.4 52.8\n21 56.4 56.1 55.7 55.3 54.9 54.5 54.0 53.5 53.0 52.4\n22 55.8 55.5 55.1 54.7 54.4 53.9 53.5 53.0 52.5 52.0\n23 55.1 54.8 54.5 54.2 53.8 53.4 53.0 52.5 52.1 51.6\n24 54.5 54.2 53.9 53.5 53.2 52.8 52.4 52.0 51.6 51.1\n25 53.8 53.5 53.2 52.9 52.6 52.2 51.9 51.5 51.1 50.6\n26 53.0 52.8 52.5 52.3 52.0 51.6 51.3 50.9 50.5 50.1\n27 52.3 52.1 51.8 51.6 51.3 51.0 50.7 50.3 50.0 49.6\n28 51.5 51.3 51.1 50.9 50.6 50.3 50.0 49.7 49.4 49.0\n29 50.8 50.6 50.4 50.2 49.9 49.7 49.4 49.1 48.8 48.4\n30 50.0 49.8 49.6 49.4 49.2 49.0 48.7 48.4 48.1 47.8\n31 49.2 49.0 48.9 48.7 48.5 48.3 48.0 47.8 47.5 47.2\n32 48.4 48.2 48.1 47.9 47.7 47.5 47.3 47.1 46.8 46.5\n33 47.6 47.4 47.3 47.1 47.0 46.8 46.6 46.3 46.1 45.9\n34 46.7 46.6 46.5 46.3 46.2 46.0 45.8 45.6 45.4 45.2\n35 45.9 45.8 45.7 45.5 45.4 45.2 45.1 44.9 44.7 44.4\n36 45.0 44.9 44.8 44.7 44.6 44.4 44.3 44.1 43.9 43.7\n37 44.2 44.1 44.0 43.9 43.8 43.6 43.5 43.3 43.2 43.0\n38 43.3 43.2 43.1 43.0 42.9 42.8 42.7 42.5 42.4 42.2\n39 42.4 42.4 42.3 42.2 42.1 42.0 41.9 41.7 41.6 41.4\n40 41.6 41.5 41.4 41.3 41.2 41.1 41.0 40.9 40.8 40.6\n41 40.7 40.6 40.5 40.5 40.4 40.3 40.2 40.1 40.0 39.8\n42 39.8 39.7 39.7 39.6 39.5 39.4 39.4 39.3 39.1 39.0\n43 38.9 38.9 38.8 38.7 38.7 38.6 38.5 38.4 38.3 38.2\n44 38.0 38.0 37.9 37.9 37.8 37.7 37.7 37.6 37.5 37.4\n45 37.1 37.1 37.0 37.0 36.9 36.9 36.8 36.7 36.6 36.5\n46 36.2 36.2 36.2 36.1 36.1 36.0 35.9 35.9 35.8 35.7\n47 35.3 35.3 35.3 35.2 35.2 35.1 35.1 35.0 34.9 34.9\n48 34.5 34.4 34.4 34.4 34.3 34.3 34.2 34.2 34.1 34.0\n49 33.6 33.5 33.5 33.5 33.4 33.4 33.4 33.3 33.2 33.2\n50 32.7 32.7 32.6 32.6 32.6 32.5 32.5 32.4 32.4 32.3\n51 31.8 31.8 31.8 31.7 31.7 31.7 31.6 31.6 31.5 31.5\n52 30.9 30.9 30.9 30.9 30.8 30.8 30.8 30.7 30.7 30.6\n53 30.0 30.0 30.0 30.0 30.0 29.9 29.9 29.9 29.8 29.8\n54 29.2 29.2 29.1 29.1 29.1 29.1 29.0 29.0 29.0 28.9\n55 28.3 28.3 28.3 28.3 28.2 28.2 28.2 28.2 28.1 28.1\n56 27.4 27.4 27.4 27.4 27.4 27.3 27.3 27.3 27.3 27.2\n57 26.6 26.6 26.5 26.5 26.5 26.5 26.5 26.5 26.4 26.4\n58 25.7 25.7 25.7 25.7 25.7 25.6 25.6 25.6 25.6 25.6\n59 24.9 24.8 24.8 24.8 24.8 24.8 24.8 24.8 24.7 24.7\n60 24.0 24.0 24.0 24.0 24.0 23.9 23.9 23.9 23.9 23.9\n61 23.2 23.2 23.1 23.1 23.1 23.1 23.1 23.1 23.1 23.0\n62 22.3 22.3 22.3 22.3 22.3 22.3 22.3 22.2 22.2 22.2\n63 21.5 21.5 21.5 21.5 21.5 21.4 21.4 21.4 21.4 21.4\n64 20.7 20.7 20.7 20.6 20.6 20.6 20.6 20.6 20.6 20.6\n65 19.9 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8 19.8\n66 19.1 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0 19.0\n67 18.3 18.3 18.3 18.3 18.2 18.2 18.2 18.2 18.2 18.2\n68 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.5 17.4 17.4\n69 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7 16.7\n70 16.0 16.0 16.0 16.0 16.0 16.0 15.9 15.9 15.9 15.9\n71 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.2\n72 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.5\n73 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8\n74 13.2 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1\n75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5\n76 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8\n77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2\n78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6\n79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0\n80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4\n81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9\n82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4\n83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.8 7.8\n84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5\n87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 25 26 27 28 29 30 31 32 33 34\n25 50.2 49.7 49.2 48.6 48.1 47.5 46.9 46.2 45.6 44.9\n26 49.7 49.2 48.7 48.2 47.7 47.1 46.5 45.9 45.3 44.6\n27 49.2 48.7 48.3 47.8 47.3 46.7 46.2 45.6 45.0 44.3\n28 48.6 48.2 47.8 47.3 46.8 46.3 45.8 45.2 44.6 44.0\n29 48.1 47.7 47.3 46.8 46.4 45.9 45.4 44.8 44.3 43.7\n30 47.5 47.1 46.7 46.3 45.9 45.4 44.9 44.4 43.9 43.3\n31 46.9 46.5 46.2 45.8 45.4 44.9 44.5 44.0 43.5 42.9\n32 46.2 45.9 45.6 45.2 44.8 44.4 44.0 43.5 43.0 42.5\n33 45.6 45.3 45.0 44.6 44.3 43.9 43.5 43.0 42.6 42.1\n34 44.9 44.6 44.3 44.0 43.7 43.3 42.9 42.5 42.1 41.6\n35 44.2 44.0 43.7 43.4 43.1 42.7 42.4 42.0 41.6 41.1\n36 43.5 43.3 43.0 42.7 42.4 42.1 41.8 41.4 41.0 40.6\n37 42.8 42.5 42.3 42.1 41.8 41.5 41.2 40.8 40.5 40.1\n38 42.0 41.8 41.6 41.4 41.1 40.8 40.6 40.2 39.9 39.5\n39 41.3 41.1 40.9 40.7 40.4 40.2 39.9 39.6 39.3 39.0\n40 40.5 40.3 40.1 39.9 39.7 39.5 39.2 39.0 38.7 38.4\n41 39.7 39.5 39.4 39.2 39.0 38.8 38.5 38.3 38.0 37.7\n42 38.9 38.8 38.6 38.4 38.3 38.1 37.8 37.6 37.4 37.1\n43 38.1 38.0 37.8 37.7 37.5 37.3 37.1 36.9 36.7 36.4\n44 37.3 37.2 37.0 36.9 36.7 36.6 36.4 36.2 36.0 35.8\n45 36.5 36.3 36.2 36.1 36.0 35.8 35.6 35.5 35.3 35.1\n46 35.6 35.5 35.4 35.3 35.2 35.0 34.9 34.7 34.5 34.4\n47 34.8 34.7 34.6 34.5 34.4 34.3 34.1 34.0 33.8 33.6\n48 34.0 33.9 33.8 33.7 33.6 33.5 33.4 33.2 33.1 32.9\n49 33.1 33.0 33.0 32.9 32.8 32.7 32.6 32.4 32.3 32.2\n50 32.3 32.2 32.1 32.1 32.0 31.9 31.8 31.7 31.5 31.4\n51 31.4 31.4 31.3 31.2 31.2 31.1 31.0 30.9 30.8 30.6\n52 30.6 30.5 30.5 30.4 30.3 30.3 30.2 30.1 30.0 29.9\n53 29.7 29.7 29.6 29.6 29.5 29.5 29.4 29.3 29.2 29.1\n54 28.9 28.9 28.8 28.8 28.7 28.6 28.6 28.5 28.4 28.3\n55 28.1 28.0 28.0 27.9 27.9 27.8 27.8 27.7 27.6 27.5\n56 27.2 27.2 27.1 27.1 27.0 27.0 26.9 26.9 26.8 26.7\n57 26.4 26.3 26.3 26.3 26.2 26.2 26.1 26.1 26.0 25.9\n58 25.5 25.5 25.5 25.4 25.4 25.4 25.3 25.3 25.2 25.1\n59 24.7 24.7 24.6 24.6 24.6 24.5 24.5 24.5 24.4 24.3\n60 23.9 23.8 23.8 23.8 23.8 23.7 23.7 23.6 23.6 23.5\n61 23.0 23.0 23.0 23.0 22.9 22.9 22.9 22.8 22.8 22.7\n62 22.2 22.2 22.2 22.1 22.1 22.1 22.1 22.0 22.0 21.9\n63 21.4 21.4 21.3 21.3 21.3 21.3 21.3 21.2 21.2 21.2\n64 20.6 20.6 20.5 20.5 20.5 20.5 20.5 20.4 20.4 20.4\n65 19.8 19.8 19.7 19.7 19.7 19.7 19.7 19.6 19.6 19.6\n66 19.0 19.0 19.0 18.9 18.9 18.9 18.9 18.9 18.8 18.8\n67 18.2 18.2 18.2 18.2 18.2 18.1 18.1 18.1 18.1 18.1\n68 17.4 17.4 17.4 17.4 17.4 17.4 17.4 17.3 17.3 17.3\n69 16.7 16.7 16.7 16.6 16.6 16.6 16.6 16.6 16.6 16.6\n70 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.9 15.8 15.8\n71 15.2 15.2 15.2 15.2 15.2 15.2 15.2 15.1 15.1 15.1\n72 14.5 14.5 14.5 14.5 14.5 14.5 14.5 14.4 14.4 14.4\n73 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.8 13.7 13.7\n74 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1 13.1\n75 12.5 12.5 12.5 12.4 12.4 12.4 12.4 12.4 12.4 12.4\n76 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8 11.8\n77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.1\n78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.5\n79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0\n80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.4\n81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9\n82 8.4 8.4 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3\n83 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8\n84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5\n87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 35 36 37 38 39 40 41 42 43 44\n35 40.7 40.2 39.7 39.2 38.6 38.0 37.4 36.8 36.2 35.5\n36 40.2 39.7 39.3 38.7 38.2 37.7 37.1 36.5 35.9 35.2\n37 39.7 39.3 38.8 38.3 37.8 37.3 36.7 36.2 35.6 34.9\n38 39.2 38.7 38.3 37.9 37.4 36.9 36.3 35.8 35.2 34.6\n39 38.6 38.2 37.8 37.4 36.9 36.4 35.9 35.4 34.9 34.3\n40 38.0 37.7 37.3 36.9 36.4 36.0 35.5 35.0 34.5 34.0\n41 37.4 37.1 36.7 36.3 35.9 35.5 35.1 34.6 34.1 33.6\n42 36.8 36.5 36.2 35.8 35.4 35.0 34.6 34.1 33.7 33.2\n43 36.2 35.9 35.6 35.2 34.9 34.5 34.1 33.7 33.2 32.8\n44 35.5 35.2 34.9 34.6 34.3 34.0 33.6 33.2 32.8 32.3\n45 34.8 34.6 34.3 34.0 33.7 33.4 33.0 32.7 32.3 31.8\n46 34.1 33.9 33.7 33.4 33.1 32.8 32.5 32.1 31.8 31.4\n47 33.4 33.2 33.0 32.8 32.5 32.2 31.9 31.6 31.2 30.8\n48 32.7 32.5 32.3 32.1 31.8 31.6 31.3 31.0 30.7 30.3\n49 32.0 31.8 31.6 31.4 31.2 30.9 30.7 30.4 30.1 29.8\n50 31.3 31.1 30.9 30.7 30.5 30.3 30.0 29.8 29.5 29.2\n51 30.5 30.4 30.2 30.0 29.8 29.6 29.4 29.2 28.9 28.6\n52 29.7 29.6 29.5 29.3 29.1 28.9 28.7 28.5 28.3 28.0\n53 29.0 28.9 28.7 28.6 28.4 28.2 28.1 27.9 27.6 27.4\n54 28.2 28.1 28.0 27.8 27.7 27.5 27.4 27.2 27.0 26.8\n55 27.4 27.3 27.2 27.1 27.0 26.8 26.7 26.5 26.3 26.1\n56 26.7 26.6 26.5 26.3 26.2 26.1 26.0 25.8 25.6 25.4\n57 25.9 25.8 25.7 25.6 25.5 25.4 25.2 25.1 24.9 24.8\n58 25.1 25.0 24.9 24.8 24.7 24.6 24.5 24.4 24.2 24.1\n59 24.3 24.2 24.1 24.1 24.0 23.9 23.8 23.6 23.5 23.4\n60 23.5 23.4 23.4 23.3 23.2 23.1 23.0 22.9 22.8 22.7\n61 22.7 22.6 22.6 22.5 22.4 22.4 22.3 22.2 22.1 22.0\n62 21.9 21.9 21.8 21.7 21.7 21.6 21.5 21.4 21.3 21.2\n63 21.1 21.1 21.0 21.0 20.9 20.8 20.8 20.7 20.6 20.5\n64 20.3 20.3 20.2 20.2 20.1 20.1 20.0 20.0 19.9 19.8\n65 19.6 19.5 19.5 19.4 19.4 19.3 19.3 19.2 19.1 19.1\n66 18.8 18.8 18.7 18.7 18.6 18.6 18.5 18.5 18.4 18.4\n67 18.0 18.0 18.0 17.9 17.9 17.9 17.8 17.8 17.7 17.6\n68 17.3 17.3 17.2 17.2 17.2 17.1 17.1 17.0 17.0 16.9\n69 16.5 16.5 16.5 16.5 16.4 16.4 16.4 16.3 16.3 16.2\n70 15.8 15.8 15.8 15.7 15.7 15.7 15.6 15.6 15.6 15.5\n71 15.1 15.1 15.1 15.0 15.0 15.0 15.0 14.9 14.9 14.9\n72 14.4 14.4 14.4 14.3 14.3 14.3 14.3 14.2 14.2 14.2\n73 13.7 13.7 13.7 13.7 13.7 13.6 13.6 13.6 13.6 13.5\n74 13.1 13.0 13.0 13.0 13.0 13.0 13.0 12.9 12.9 12.9\n75 12.4 12.4 12.4 12.4 12.3 12.3 12.3 12.3 12.3 12.2\n76 11.8 11.8 11.7 11.7 11.7 11.7 11.7 11.7 11.6 11.6\n77 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.1 11.0 11.0\n78 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.5 10.4\n79 10.0 10.0 9.9 9.9 9.9 9.9 9.9 9.9 9.9 9.9\n80 9.4 9.4 9.4 9.4 9.4 9.4 9.4 9.3 9.3 9.3\n81 8.9 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8 8.8\n82 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3\n83 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8 7.8\n84 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3 7.3\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.4 6.4 6.4 6.4 6.4 6.4\n87 6.1 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.6 5.6 5.6\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.6 4.6\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.6 2.6\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 45 46 47 48 49 50 51 52 53 54\n45 31.4 30.9 30.5 30.0 29.4 28.9 28.3 27.7 27.1 26.5\n46 30.9 30.5 30.0 29.6 29.1 28.5 28.0 27.4 26.9 26.3\n47 30.5 30.0 29.6 29.2 28.7 28.2 27.7 27.1 26.6 26.0\n48 30.0 29.6 29.2 28.7 28.3 27.8 27.3 26.8 26.3 25.7\n49 29.4 29.1 28.7 28.3 27.9 27.4 26.9 26.5 25.9 25.4\n50 28.9 28.5 28.2 27.4 27.4 27.0 26.5 26.1 25.6 25.1\n51 28.3 28.0 27.7 27.3 26.9 26.5 26.1 25.7 25.2 24.7\n52 27.7 27.4 27.1 26.8 26.5 26.1 25.7 25.3 24.8 24.4\n53 27.1 26.9 26.6 26.3 25.9 25.6 25.2 24.8 24.4 24.0\n54 26.5 26.3 26.0 25.7 25.4 25.1 24.7 24.4 24.0 23.6\n55 25.9 25.7 25.4 25.1 24.9 24.6 24.2 23.9 23.5 23.2\n56 25.2 25.0 24.8 24.6 24.3 24.0 23.7 23.4 23.1 22.7\n57 24.6 24.4 24.2 24.0 23.7 23.5 23.2 22.9 22.6 22.2\n58 23.9 23.7 23.5 23.3 23.1 22.9 22.6 22.4 22.1 21.7\n59 23.2 23.1 22.9 22.7 22.5 22.3 22.1 21.8 21.5 21.2\n60 22.5 22.4 22.2 22.1 21.9 21.7 21.5 21.2 21.0 20.7\n61 21.8 21.7 21.6 21.4 21.2 21.1 20.9 20.6 20.4 20.2\n62 21.1 21.0 20.9 20.7 20.6 20.4 20.2 20.0 19.8 19.6\n63 20.4 20.3 20.2 20.1 19.9 19.8 19.6 19.4 19.2 19.0\n64 19.7 19.6 19.5 19.4 19.3 19.1 19.0 18.8 18.6 18.5\n65 19.0 18.9 18.8 18.7 18.6 18.5 18.3 18.2 18.0 17.9\n66 18.3 18.2 18.1 18.0 17.9 17.8 17.7 17.6 17.4 17.3\n67 17.6 17.5 17.4 17.3 17.3 17.2 17.1 16.9 16.8 16.7\n68 16.9 16.8 16.7 16.7 16.6 16.5 16.4 16.3 16.2 16.1\n69 16.2 16.1 16.1 16.0 15.9 15.8 15.8 15.7 15.6 15.4\n70 15.5 15.4 15.4 15.3 15.3 15.2 15.1 15.0 14.9 14.8\n71 14.8 14.8 14.7 14.7 14.6 14.5 14.5 14.4 14.3 14.2\n72 14.1 14.1 14.1 14.0 14.0 13.9 13.8 13.8 13.7 13.6\n73 13.5 13.5 13.4 13.4 13.3 13.3 13.2 13.2 13.1 13.0\n74 12.8 12.8 12.8 12.7 12.7 12.7 12.6 12.6 12.5 12.4\n75 12.2 12.2 12.2 12.1 12.1 12.1 12.0 12.0 11.9 11.9\n76 11.6 11.6 11.6 11.5 11.5 11.5 11.4 11.4 11.3 11.3\n77 11.0 11.0 11.0 10.9 10.9 10.9 10.8 10.8 10.8 10.7\n78 10.4 10.4 10.4 10.4 10.3 10.3 10.3 10.2 10.2 10.2\n79 9.9 9.8 9.8 9.8 9.8 9.8 9.7 9.7 9.7 9.6\n80 9.3 9.3 9.3 9.3 9.2 9.2 9.2 9.2 9.1 9.1\n81 8.8 8.8 8.7 8.7 8.7 8.7 8.7 8.7 8.6 8.6\n82 8.3 8.2 8.2 8.2 8.2 8.2 8.2 8.2 8.1 8.1\n83 7.8 7.8 7.7 7.7 7.7 7.7 7.7 7.7 7.7 7.6\n84 7.3 7.3 7.3 7.3 7.3 7.2 7.2 7.2 7.2 7.2\n85 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.8 6.7\n86 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.3 6.3\n87 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 5.9\n88 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.2 5.2 5.2 5.2\n90 5.0 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9\n91 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6\n92 4.4 4.4 4.4 4.3 4.3 4.3 4.3 4.3 4.3 4.3\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8\n95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 55 56 57 58 59 60 61 62 63 64\n55 22.7 22.3 21.9 21.4 20.9 20.4 19.9 19.4 18.8 18.3\n56 22.3 21.9 21.5 21.1 20.6 20.1 19.6 19.1 18.6 18.0\n57 21.9 21.5 21.1 20.7 20.3 19.8 19.3 18.8 18.3 17.8\n58 21.4 21.1 20.7 20.3 19.9 19.5 19.0 18.5 18.0 17.5\n59 20.9 20.6 20.3 19.9 19.5 19.1 18.7 18.2 17.7 17.3\n60 20.4 20.1 19.8 19.5 19.1 18.7 18.3 17.9 17.4 17.0\n61 29.9 19.6 19.3 19.0 18.7 18.3 17.9 17.5 17.1 16.7\n62 19.4 19.1 18.8 18.5 18.2 17.9 17.5 17.1 16.8 16.3\n63 18.8 18.6 18.3 18.0 17.7 17.4 17.1 16.8 16.4 16.0\n64 18.3 18.0 17.8 17.5 17.3 17.0 16.7 16.3 16.0 15.6\n65 17.7 17.5 17.3 17.0 16.8 16.5 16.2 15.9 15.6 15.3\n66 17.1 16.9 16.7 16.5 16.3 16.0 15.8 15.5 15.2 14.9\n67 16.5 16.3 16.2 16.0 15.8 15.5 15.3 15.0 14.7 14.5\n68 15.9 15.8 15.6 15.4 15.2 15.0 14.8 14.6 14.3 14.0\n69 15.3 15.2 15.0 14.9 14.7 14.5 14.3 14.1 13.9 13.6\n70 14.7 14.6 14.5 14.3 14.2 14.0 13.8 13.6 13.4 13.2\n71 14.1 14.0 13.9 13.8 13.6 13.5 13.3 13.1 12.9 12.7\n72 13.5 13.4 13.3 13.2 13.1 12.9 12.8 12.6 12.4 12.3\n73 13.0 12.9 12.8 12.7 12.5 12.4 12.3 12.1 12.0 11.8\n74 12.4 12.3 12.2 12.1 12.0 11.9 11.8 11.6 11.5 11.3\n75 11.8 11.7 11.7 11.6 11.5 11.4 11.3 11.1 11.0 10.9\n76 11.2 11.2 11.1 11.0 10.9 10.9 10.8 10.6 10.5 10.4\n77 10.7 10.6 10.6 10.5 10.4 10.3 10.3 10.2 10.0 9.9\n78 10.1 10.1 10.0 10.0 9.9 9.8 9.8 9.7 9.6 9.5\n79 9.6 9.6 9.5 9.5 9.4 9.3 9.3 9.2 9.1 9.0\n80 9.1 9.0 9.0 9.0 8.9 8.9 8.8 8.7 8.7 8.6\n81 8.6 8.5 8.5 8.5 8.4 8.4 8.3 8.3 8.2 8.1\n82 8.1 8.1 8.0 8.0 8.0 7.9 7.9 7.8 7.8 7.7\n83 7.6 7.6 7.6 7.5 7.5 7.5 7.4 7.4 7.3 7.3\n84 7.2 7.1 7.1 7.1 7.1 7.0 7.0 7.0 6.9 6.9\n85 6.7 6.7 6.7 6.7 6.6 6.6 6.6 6.5 6.5 6.5\n86 6.3 6.3 6.3 6.3 6.2 6.2 6.2 6.2 6.1 6.1\n87 5.9 5.9 5.9 5.9 5.9 5.8 5.8 5.8 5.8 5.7\n88 5.6 5.5 5.5 5.5 5.5 5.5 5.5 5.4 5.4 5.4\n89 5.2 5.2 5.2 5.2 5.2 5.1 5.1 5.1 5.1 5.1\n90 4.9 4.9 4.9 4.9 4.9 4.8 4.8 4.8 4.8 4.8\n91 4.6 4.6 4.6 4.6 4.6 4.5 4.5 4.5 4.5 4.5\n92 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.2 4.2 4.2\n93 4.1 4.1 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0\n94 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.7\n95 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.5 3.5\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.3 3.3 3.3\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.1 3.1\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6\n101 2.5 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.2\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.7 1.7 1.7 1.7\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 65 66 67 68 69 70 71 72 73 74\n65 14.9 14.5 14.1 13.7 13.3 12.9 12.5 12.0 11.6 11.2\n66 14.5 14.2 13.8 13.4 13.1 12.6 12.2 11.8 11.4 11.0\n67 14.1 13.8 13.5 13.1 12.8 12.4 12.0 11.6 11.2 10.8\n68 13.7 13.4 13.1 12.8 12.5 12.1 11.7 11.4 11.0 10.6\n69 13.3 13.1 12.8 12.5 12.1 11.8 11.4 11.1 10.7 10.4\n70 12.9 12.6 12.4 12.1 11.8 11.5 11.2 10.8 10.5 10.1\n71 12.5 12.2 12.0 11.7 11.4 11.2 10.9 10.5 10.2 9.9\n72 12.0 11.8 11.6 11.4 11.1 10.8 10.5 10.2 9.9 9.6\n73 11.6 11.4 11.2 11.0 10.7 10.5 10.2 9.9 9.7 9.4\n74 11.2 11.0 10.8 10.6 10.4 10.1 9.9 9.6 9.4 9.1\n75 10.7 10.5 10.4 10.2 10.0 9.8 9.5 9.3 9.1 8.8\n76 10.3 10.1 9.9 9.8 9.6 9.4 9.2 9.0 8.8 8.5\n77 9.8 9.7 9.5 9.4 9.2 9.0 8.8 8.6 8.4 8.2\n78 9.4 9.2 9.1 9.0 8.8 8.7 8.5 8.3 8.1 7.9\n79 8.9 8.8 8.7 8.6 8.4 8.3 8.1 8.0 7.8 7.6\n80 8.5 8.4 8.3 8.2 8.0 7.9 7.8 7.6 7.5 7.3\n81 8.0 8.0 7.9 7.9 7.7 7.5 7.4 7.3 7.1 7.0\n82 7.6 7.5 7.5 7.4 7.3 7.2 7.1 6.9 6.8 6.7\n83 7.2 7.1 7.1 7.0 6.9 6.8 6.7 6.6 6.5 6.4\n84 6.8 6.7 6.7 6.6 6.5 6.4 6.4 6.3 6.2 6.0\n85 6.4 6.4 6.3 6.2 6.2 6.1 6.0 5.9 5.8 5.7\n86 6.0 6.0 5.9 5.9 5.8 5.8 5.7 5.6 5.5 5.4\n87 5.7 5.6 5.6 5.6 5.5 5.4 5.4 5.3 5.2 5.2\n88 5.3 5.3 5.3 5.2 5.2 5.1 5.1 5.0 5.0 4.9\n89 5.0 5.0 5.0 4.9 4.9 4.8 4.8 4.7 4.7 4.6\n90 4.7 4.7 4.7 4.6 4.6 4.6 4.5 4.5 4.4 4.4\n91 4.5 4.4 4.4 4.4 4.3 4.3 4.3 4.2 4.2 4.1\n92 4.2 4.2 4.1 4.1 4.1 4.1 4.0 4.0 3.9 3.9\n93 3.9 3.9 3.9 3.9 3.9 3.8 3.8 3.8 3.7 3.7\n94 3.7 3.7 3.7 3.7 3.6 3.6 3.6 3.6 3.5 3.5\n95 3.5 3.5 3.5 3.5 3.4 3.4 3.4 3.4 3.3 3.3\n96 3.3 3.3 3.3 3.3 3.3 3.2 3.2 3.2 3.2 3.1\n97 3.1 3.1 3.1 3.1 3.1 3.1 3.0 3.0 3.0 3.0\n98 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.9 2.8 2.8\n99 2.8 2.8 2.8 2.7 2.7 2.7 2.7 2.7 2.7 2.6\n100 2.6 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.5 2.5\n101 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.3 2.3\n102 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2 2.2\n103 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0 2.0\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 .19 1.9\n105 1.7 1.7 1.7 1.7 .17 1.7 1.7 1.7 1.7 1.7\n106 1.6 1.6 .16 1.6 1.6 1.6 1.6 1.6 1.5 1.5\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .6 .6 .6 .6 .6\n114 .6 .6 .6 .6 .6 .6 .5 .5 .5 .5\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 75 76 77 78 79 80 81 82 83 84\n75 8.6 8.3 8.0 7.7 7.4 7.1 6.8 6.5 6.2 5.9\n76 8.3 8.0 7.8 7.5 7.2 6.9 6.7 6.4 6.1 5.8\n77 8.0 7.8 7.5 7.3 7.0 6.8 6.5 6.2 5.9 5.7\n78 7.7 7.5 7.3 7.0 6.8 6.6 6.3 6.0 5.8 5.5\n79 7.4 7.2 7.0 6.8 6.6 6.3 6.1 5.9 5.6 5.4\n80 7.1 6.9 6.8 6.6 6.3 6.1 5.9 5.7 5.5 5.2\n81 6.8 6.7 6.5 6.3 6.1 5.9 5.7 5.5 5.3 5.1\n82 6.5 6.4 6.2 6.0 5.9 5.7 5.5 5.3 5.1 4.9\n83 6.2 6.1 5.9 5.8 5.6 5.5 5.3 5.1 4.9 4.7\n84 5.9 5.8 5.7 5.5 5.4 5.2 5.1 4.9 4.7 4.6\n85 5.6 5.5 5.4 5.3 5.2 5.0 4.9 4.7 4.6 4.4\n86 5.4 5.3 5.1 5.0 4.9 4.8 4.7 4.5 4.4 4.2\n87 5.1 5.0 4.9 4.8 4.7 4.6 4.4 4.3 4.2 4.1\n88 4.8 4.7 4.6 4.5 4.4 4.3 4.2 4.1 4.0 3.9\n89 4.5 4.5 4.4 4.3 4.2 4.1 4.0 3.9 3.8 3.7\n90 4.3 4.2 4.2 4.1 4.0 3.9 3.8 3.8 3.7 3.5\n91 4.1 4.0 4.0 3.9 3.8 3.7 3.7 3.6 3.5 3.4\n92 3.9 3.8 3.7 3.7 3.6 3.6 3.5 3.4 3.3 3.2\n93 3.7 3.6 3.6 3.5 3.4 3.4 3.3 3.2 3.2 3.1\n94 3.5 3.4 3.4 3.3 3.3 3.2 3.2 3.1 3.0 3.0\n95 3.3 3.2 3.2 3.2 3.1 3.1 3.0 3.0 2.9 2.8\n96 3.1 3.1 3.0 3.0 3.0 2.9 2.9 2.8 2.8 2.7\n97 2.9 2.9 2.9 2.9 2.8 2.8 2.7 2.7 2.6 2.6\n98 2.8 2.8 2.7 2.7 2.7 2.6 2.6 2.6 2.5 2.5\n99 2.6 2.6 2.6 2.6 2.5 2.5 2.5 2.4 2.4 2.3\n100 2.5 2.5 2.4 2.4 2.4 2.4 2.3 2.3 2.3 2.2\n101 2.3 2.3 2.3 2.3 2.2 2.2 2.2 2.2 2.1 2.1\n102 2.2 2.1 2.1 2.1 2.1 2.1 2.0 2.0 2.0 2.0\n103 2.0 2.0 2.0 2.0 1.9 1.9 1.9 1.9 1.9 1.8\n104 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.7 1.7 1.7\n105 1.7 1.7 1.7 1.7 1.6 1.6 1.6 1.6 1.6 1.6\n106 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.4\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3\n108 1.3 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .8 .8\n112 .8 .8 .8 .7 .7 .7 .7 .7 .7 .7\n113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 85 86 87 88 89 90 91 92 93 94\n85 4.2 4.1 3.9 3.8 3.6 3.4 3.3 3.2 3.0 2.9\n86 4.1 3.9 3.8 3.6 3.5 3.3 3.2 3.1 2.9 2.8\n87 3.9 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.8 2.7\n88 3.8 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.6\n89 3.6 3.5 3.4 3.2 3.1 3.0 2.9 2.8 2.7 2.6\n90 3.4 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5\n91 3.3 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4\n92 3.2 3.1 3.0 2.9 2.8 2.7 2.6 2.5 2.4 2.3\n93 3.0 2.9 2.8 2.8 2.7 2.6 2.5 2.4 2.3 2.3\n94 2.9 2.8 2.7 2.6 2.6 2.5 2.4 2.3 2.3 2.2\n95 2.8 2.7 2.6 2.5 2.5 2.4 2.3 2.2 2.2 2.1\n96 2.6 2.6 2.5 2.4 2.4 2.3 2.2 2.2 2.1 2.0\n97 2.5 2.5 2.4 2.3 2.3 2.2 2.2 2.1 2.0 2.0\n98 2.4 2.4 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9\n99 2.3 2.2 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.8\n100 2.2 2.1 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8\n101 2.1 2.0 2.0 1.9 1.9 1.9 1.8 1.8 1.7 1.7\n102 1.9 1.9 1.9 1.8 1.8 1.8 1.7 1.7 1.6 1.6\n103 1.8 1.8 1.8 1.7 1.7 1.7 1.6 1.6 1.5 1.5\n104 1.7 1.7 1.6 1.6 1.6 1.5 1.5 1.5 1.5 1.4\n105 1.6 1.5 1.5 1.5 1.5 1.4 1.4 1.4 1.4 1.3\n106 1.4 1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 1.2\n107 1.3 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.2 1.2\n108 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n109 1.1 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n110 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n111 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n112 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 95 96 97 98 99 100 101 102 103 104\n95 2.0 2.0 1.9 1.8 1.8 1.7 1.6 1.6 1.5 1.4\n96 2.0 1.9 1.9 1.8 1.7 1.7 1.6 1.5 1.5 1.4\n97 1.9 1.9 1.8 1.7 1.7 1.6 1.6 1.5 1.4 1.3\n98 1.8 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.3\n99 1.8 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3\n100 1.7 1.7 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3\n101 1.6 1.6 1.6 1.5 1.5 1.4 1.4 1.3 1.3 1.2\n102 1.6 1.5 1.5 1.5 1.4 1.4 1.3 1.3 1.2 1.2\n103 1.5 1.5 1.4 1.4 1.4 1.3 1.3 1.2 1.2 1.1\n104 1.4 1.4 1.3 1.3 1.3 1.3 1.2 1.2 1.1 1.1\n105 1.3 1.3 1.3 1.2 1.2 1.2 1.2 1.1 1.1 1.0\n106 1.2 1.2 1.2 1.2 1.1 1.1 1.1 1.1 1.0 1.0\n107 1.1 1.1 1.1 1.1 1.1 1.0 1.0 1.0 1.0 9\n108 1.0 1.0 1.0 1.0 1.0 1.0 1.0 .9 .9 .9\n109 1.0 .9 .9 .9 .9 .9 .9 .9 .8 .8\n110 .9 .9 .8 .8 .8 .8 .8 .8 .8 .8\n111 .8 .8 .8 .8 .8 .7 .7 .7 .7 .7\n112 .7 .7 .7 .7 .7 .7 .7 .7 .6 .6\n113 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIaa—Annuities for Joint Life Only; Two Lives—Expected Return Multiples\nAges 105 106 107 108 109 110 111 112 113 114 115\n105 1.0 1.0 .9 .9 .8 .7 .7 .6 .6 .5 .5\n106 1.0 .9 .9 .8 .8 .7 .7 .6 .6 .5 .5\n107 .9 .9 .8 .8 .7 .7 .7 .6 .6 .5 .5\n108 .9 .8 .8 .8 .7 .7 .6 .6 .5 .5 .5\n109 .8 .8 .7 .7 .7 .7 .6 .6 .5 .5 .5\n110 .7 .7 .7 .7 .7 .6 .6 .6 .5 .5 .5\n111 .7 .7 .7 .6 .6 .6 .6 .5 .5 .5 .5\n112 .6 .6 .6 .6 .6 .6 .5 .5 .5 .5 .5\n113 .6 .6 .6 .5 .5 .5 .5 .5 .5 .5 .5\n114 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VII—Percent Value of Refund Feature; Duration of Guaranteed Amount\nAge Years—\n1 2 3 4 5 6 7 8 9 10\n5 0 0 0 0 0 0 0 0 0 0\n6 0 0 0 0 0 0 0 0 0 0\n7 0 0 0 0 0 0 0 0 0 0\n8 0 0 0 0 0 0 0 0 0 0\n9 0 0 0 0 0 0 0 0 0 0\n10 0 0 0 0 0 0 0 0 0 0\n11 0 0 0 0 0 0 0 0 0 0\n12 0 0 0 0 0 0 0 0 0 0\n13 0 0 0 0 0 0 0 0 0 0\n14 0 0 0 0 0 0 0 0 0 0\n15 0 0 0 0 0 0 0 0 0 0\n16 0 0 0 0 0 0 0 0 0 0\n17 0 0 0 0 0 0 0 0 0 0\n18 0 0 0 0 0 0 0 0 0 0\n19 0 0 0 0 0 0 0 0 0 0\n20 0 0 0 0 0 0 0 0 0 0\n21 0 0 0 0 0 0 0 0 0 0\n22 0 0 0 0 0 0 0 0 0 0\n23 0 0 0 0 0 0 0 0 0 0\n24 0 0 0 0 0 0 0 0 0 0\n25 0 0 0 0 0 0 0 0 0 0\n26 0 0 0 0 0 0 0 0 0 0\n27 0 0 0 0 0 0 0 0 0 0\n28 0 0 0 0 0 0 0 0 0 0\n29 0 0 0 0 0 0 0 0 0 0\n30 0 0 0 0 0 0 0 0 0 0\n31 0 0 0 0 0 0 0 0 0 0\n32 0 0 0 0 0 0 0 0 0 0\n33 0 0 0 0 0 0 0 0 0 0\n34 0 0 0 0 0 0 0 0 0 0\n35 0 0 0 0 0 0 0 0 0 0\n36 0 0 0 0 0 0 0 0 0 0\n37 0 0 0 0 0 0 0 0 0 1\n38 0 0 0 0 0 0 0 0 0 1\n39 0 0 0 0 0 0 0 0 1 1\n40 0 0 0 0 0 0 0 1 1 1\n41 0 0 0 0 0 0 0 1 1 1\n42 0 0 0 0 0 0 1 1 1 1\n43 0 0 0 0 0 0 1 1 1 1\n44 0 0 0 0 0 1 1 1 1 1\n45 0 0 0 0 0 1 1 1 1 1\n46 0 0 0 0 1 1 1 1 1 1\n47 0 0 0 0 1 1 1 1 1 1\n48 0 0 0 0 1 1 1 1 1 1\n49 0 0 0 1 1 1 1 1 1 2\n50 0 0 0 1 1 1 1 1 1 2\n51 0 0 0 1 1 1 1 1 2 2\n52 0 0 0 1 1 1 1 1 2 2\n53 0 0 1 1 1 1 1 2 2 2\n54 0 0 1 1 1 1 1 2 2 2\n55 0 0 1 1 1 1 2 2 2 2\n56 0 0 1 1 1 1 2 2 2 3\n57 0 0 1 1 1 2 2 2 3 3\n58 0 1 1 1 1 2 2 2 3 3\n59 0 1 1 1 1 2 2 3 3 4\n60 0 1 1 1 2 2 2 3 3 4\n61 0 1 1 1 2 2 3 3 4 4\n62 0 1 1 2 2 2 3 4 4 5\n63 0 1 1 2 2 3 3 4 5 5\n64 0 1 1 2 2 3 4 4 5 6\n65 0 1 2 2 3 3 4 5 6 6\n66 1 1 2 2 3 4 5 5 6 7\n67 1 1 2 3 3 4 5 6 7 8\n68 1 1 2 3 4 5 6 7 8 9\n69 1 1 2 3 4 5 6 7 8 10\n70 1 2 3 4 5 6 7 8 9 11\n71 1 2 3 4 5 6 8 9 10 12\n72 1 2 3 4 6 7 8 10 11 13\n73 1 2 4 5 6 8 9 11 13 14\n74 1 3 4 5 7 9 10 12 14 16\n75 1 3 4 6 8 9 11 13 15 17\n76 2 3 5 7 9 10 12 15 17 19\n77 2 4 5 7 9 12 14 16 18 21\n78 2 4 6 8 10 13 15 18 20 23\n79 2 4 7 9 11 14 17 19 22 25\n80 2 5 7 10 13 15 18 21 24 27\n81 3 5 8 11 14 17 20 23 26 29\n82 3 6 9 12 15 19 22 25 28 32\n83 3 7 10 13 17 20 24 27 31 34\n84 4 7 11 15 19 22 26 30 33 37\n85 4 8 12 16 20 24 28 32 36 40\n86 4 9 13 18 22 27 31 35 39 42\n87 5 10 15 20 24 29 33 37 41 45\n88 5 11 16 21 26 31 36 40 44 48\n89 6 12 18 23 28 33 38 43 47 50\n90 7 13 19 25 31 36 41 45 49 53\n91 7 14 21 27 33 38 43 48 52 55\n92 8 15 22 29 35 40 45 50 54 58\n93 9 17 24 31 37 43 48 52 56 60\n94 9 18 26 33 39 45 50 54 58 62\n95 10 19 27 35 41 47 52 57 60 64\n96 11 20 29 36 43 49 54 59 62 66\n97 11 21 30 38 45 51 56 61 64 68\n98 12 23 32 40 47 53 58 63 66 69\n99 13 24 34 42 49 55 60 65 68 71\n100 14 26 36 44 52 58 63 67 70 73\n101 14 27 38 47 54 60 65 69 72 75\n102 15 29 40 49 56 62 67 71 74 77\n103 17 31 42 52 59 65 69 73 76 78\n104 18 33 45 55 62 67 72 75 78 80\n105 19 36 48 58 65 70 74 77 80 82\n106 21 38 51 61 68 73 77 79 82 84\n107 23 42 55 64 71 75 79 81 84 85\n108 25 45 58 67 73 78 81 83 85 87\n109 28 49 62 71 76 80 83 85 87 88\n110 31 52 66 74 79 82 85 87 88 89\n111 34 57 70 77 82 85 87 88 90 91\n112 37 61 73 80 84 87 88 90 91 92\n113 41 66 77 83 86 88 90 91 92 93\n114 45 70 80 85 88 90 92 93 93 94\n115 50 75 83 88 90 92 93 94 94 95\nTable VII—Percent Value of Refund Feature; Duration of Guaranteed Amount\nAge Years—\n11 12 13 14 15 16 17 18 19 20\n5 0 0 0 0 0 0 0 0 0 0\n6 0 0 0 0 0 0 0 0 0 0\n7 0 0 0 0 0 0 0 0 0 0\n8 0 0 0 0 0 0 0 0 0 0\n9 0 0 0 0 0 0 0 0 0 0\n10 0 0 0 0 0 0 0 0 0 0\n11 0 0 0 0 0 0 0 0 0 0\n12 0 0 0 0 0 0 0 0 0 0\n13 0 0 0 0 0 0 0 0 0 0\n14 0 0 0 0 0 0 0 0 0 0\n15 0 0 0 0 0 0 0 0 0 0\n16 0 0 0 0 0 0 0 0 0 0\n17 0 0 0 0 0 0 0 0 0 0\n18 0 0 0 0 0 0 0 0 0 0\n19 0 0 0 0 0 0 0 0 0 0\n20 0 0 0 0 0 0 0 0 0 1\n21 0 0 0 0 0 0 0 0 0 1\n22 0 0 0 0 0 0 0 0 1 1\n23 0 0 0 0 0 0 0 1 1 1\n24 0 0 0 0 0 0 0 1 1 1\n25 0 0 0 0 0 0 1 1 1 1\n26 0 0 0 0 0 0 1 1 1 1\n27 0 0 0 0 0 1 1 1 1 1\n28 0 0 0 0 1 1 1 1 1 1\n29 0 0 0 0 1 1 1 1 1 1\n30 0 0 0 1 1 1 1 1 1 1\n31 0 0 0 1 1 1 1 1 1 1\n32 0 0 1 1 1 1 1 1 1 1\n33 0 0 1 1 1 1 1 1 1 1\n34 0 1 1 1 1 1 1 1 1 1\n35 0 1 1 1 1 1 1 1 1 1\n36 1 1 1 1 1 1 1 1 1 1\n37 1 1 1 1 1 1 1 1 1 1\n38 1 1 1 1 1 1 1 1 1 2\n39 1 1 1 1 1 1 1 1 2 2\n40 1 1 1 1 1 1 1 2 2 2\n41 1 1 1 1 1 1 2 2 2 2\n42 1 1 1 1 1 2 2 2 2 2\n43 1 1 1 1 2 2 2 2 2 3\n44 1 1 1 2 2 2 2 2 3 3\n45 1 1 2 2 2 2 2 3 3 3\n46 1 2 2 2 2 2 3 3 3 3\n47 1 2 2 2 2 2 3 3 3 4\n48 2 2 2 2 2 3 3 3 4 4\n49 2 2 2 2 3 3 3 4 4 4\n50 2 2 2 3 3 3 3 4 4 5\n51 2 2 3 3 3 3 4 4 4 5\n52 2 2 3 3 3 4 4 5 5 5\n53 2 3 3 3 4 4 5 5 5 6\n54 3 3 3 4 4 4 5 5 6 7\n55 3 3 4 4 4 5 5 6 7 7\n56 3 3 4 4 5 5 6 7 7 8\n57 3 4 4 5 5 6 6 7 8 9\n58 4 4 5 5 6 6 7 8 9 9\n59 4 5 5 6 6 7 8 9 9 10\n60 4 5 6 6 7 8 9 10 10 11\n61 5 6 6 7 8 9 10 10 11 13\n62 5 6 7 8 9 10 11 12 13 14\n63 6 7 8 9 10 11 12 13 14 15\n64 7 8 8 9 10 12 13 14 15 17\n65 7 8 9 10 12 13 14 15 17 18\n66 8 9 10 12 13 14 15 17 18 20\n67 9 10 11 13 14 15 17 18 20 22\n68 10 11 13 14 15 17 19 20 22 24\n69 11 12 14 15 17 19 20 22 24 26\n70 12 14 15 17 19 20 22 24 26 28\n71 13 15 17 18 20 22 24 26 28 30\n72 15 17 18 20 22 24 26 28 30 32\n73 16 18 20 22 24 26 28 31 33 35\n74 18 20 22 24 26 28 31 33 35 37\n75 19 22 24 26 28 31 33 35 38 40\n76 21 24 26 28 31 33 36 38 40 43\n77 23 26 28 31 33 36 38 41 43 45\n78 25 28 31 33 36 38 41 43 46 48\n79 28 30 33 36 38 41 44 46 48 51\n80 30 33 36 38 41 44 46 49 51 53\n81 32 35 38 41 44 47 49 51 54 56\n82 35 38 41 44 47 49 52 54 56 58\n83 38 41 44 47 49 52 54 57 59 61\n84 40 44 47 49 52 55 57 59 61 63\n85 43 46 49 52 55 57 59 62 63 65\n86 46 49 52 55 57 60 62 64 66 67\n87 48 52 55 57 60 62 64 66 68 69\n88 51 54 57 60 62 64 66 68 70 71\n89 54 57 60 62 65 67 68 70 72 73\n90 56 59 62 64 67 69 70 72 74 75\n91 59 62 64 67 69 71 72 74 75 76\n92 61 64 66 69 71 72 74 75 77 78\n93 63 66 68 70 72 74 75 77 78 79\n94 65 68 70 72 74 75 77 78 79 80\n95 67 69 72 74 75 77 78 79 81 82\n96 69 71 73 75 77 78 80 81 82 83\n97 70 73 75 77 78 80 81 82 83 84\n98 72 74 76 78 79 81 82 83 84 85\n99 74 76 78 79 81 82 83 84 85 86\n100 75 78 79 81 82 83 84 85 86 86\n101 77 79 81 82 83 84 85 86 87 87\n102 79 81 82 83 84 85 86 87 88 88\n103 80 82 83 85 86 87 87 88 89 89\n104 82 84 85 86 87 88 88 89 90 90\n105 84 85 86 87 88 89 89 90 90 91\n106 85 86 87 88 89 90 90 91 91 92\n107 87 88 89 89 90 91 91 92 92 93\n108 88 89 90 90 91 92 92 93 93 93\n109 89 90 91 92 92 93 93 93 94 94\n110 90 91 92 92 93 93 94 94 94 95\n111 92 92 93 93 94 94 95 95 95 95\n112 93 93 94 94 95 95 95 96 96 96\n113 94 94 95 95 95 96 96 96 96 97\n114 95 95 95 96 96 96 97 97 97 97\n115 95 96 96 96 97 97 97 97 97 98\nTable VII—Percent Value of Refund Feature; Duration of Guaranteed Amount\nAge Years—\n21 22 23 24 25 26 27 28 29 30\n5 0 0 0 0 0 0 0 0 0 0\n6 0 0 0 0 0 0 0 0 0 0\n7 0 0 0 0 0 0 0 0 0 0\n8 0 0 0 0 0 0 0 0 0 1\n9 0 0 0 0 0 0 0 0 1 1\n10 0 0 0 0 0 0 0 1 1 1\n11 0 0 0 0 0 0 1 1 1 1\n12 0 0 0 0 0 0 1 1 1 1\n13 0 0 0 0 0 1 1 1 1 1\n14 0 0 0 0 1 1 1 1 1 1\n15 0 0 0 1 1 1 1 1 1 1\n16 0 0 1 1 1 1 1 1 1 1\n17 0 0 1 1 1 1 1 1 1 1\n18 0 1 1 1 1 1 1 1 1 1\n19 1 1 1 1 1 1 1 1 1 1\n20 1 1 1 1 1 1 1 1 1 1\n21 1 1 1 1 1 1 1 1 1 1\n22 1 1 1 1 1 1 1 1 1 1\n23 1 1 1 1 1 1 1 1 1 1\n24 1 1 1 1 1 1 1 1 1 1\n25 1 1 1 1 1 1 1 1 1 1\n26 1 1 1 1 1 1 1 1 1 1\n27 1 1 1 1 1 1 1 1 1 2\n28 1 1 1 1 1 1 1 1 2 2\n29 1 1 1 1 1 1 1 2 2 2\n30 1 1 1 1 1 1 2 2 2 2\n31 1 1 1 1 1 2 2 2 2 2\n32 1 1 1 1 2 2 2 2 2 2\n33 1 1 1 2 2 2 2 2 2 2\n34 1 1 2 2 2 2 2 2 2 3\n35 1 2 2 2 2 2 2 2 3 3\n36 2 2 2 2 2 2 2 3 3 3\n37 2 2 2 2 2 2 3 3 3 3\n38 2 2 2 2 2 3 3 3 3 4\n39 2 2 2 2 3 3 3 3 4 4\n40 2 2 3 3 3 3 3 4 4 4\n41 2 3 3 3 3 3 4 4 4 5\n42 3 3 3 3 3 4 4 4 5 5\n43 3 3 3 4 4 4 4 5 5 6\n44 3 3 4 4 4 4 5 5 6 6\n45 3 4 4 4 5 5 5 6 6 7\n46 4 4 4 5 5 5 6 6 7 7\n47 4 4 5 5 5 6 6 7 7 8\n48 4 5 5 5 6 6 7 7 8 9\n49 5 5 5 6 6 7 8 8 9 10\n50 5 5 6 6 7 8 8 9 10 10\n51 5 6 6 7 8 8 9 10 11 11\n52 6 7 7 8 8 9 10 11 11 12\n53 7 7 8 8 9 10 11 12 13 14\n54 7 8 8 9 10 11 12 13 14 15\n55 8 9 9 10 11 12 13 14 15 16\n56 9 9 10 11 12 13 14 15 16 18\n57 9 10 11 12 13 14 15 17 18 19\n58 10 11 12 13 14 16 17 18 19 21\n59 11 12 13 15 16 17 18 20 21 22\n60 12 14 15 16 17 19 20 21 23 24\n61 14 15 16 17 19 20 22 23 25 26\n62 15 16 18 19 20 22 23 25 27 28\n63 16 18 19 21 22 24 25 27 29 30\n64 18 19 21 23 24 26 28 29 31 33\n65 20 21 23 25 26 28 30 31 33 35\n66 21 23 25 27 28 30 32 34 35 37\n67 23 25 27 29 31 32 34 36 38 40\n68 25 27 29 31 33 35 37 38 40 42\n69 28 29 31 33 35 37 39 41 43 44\n70 30 32 34 36 38 40 42 43 45 47\n71 32 34 36 38 40 42 44 46 47 49\n72 35 37 39 41 43 45 46 48 50 51\n73 37 39 41 43 45 47 49 51 52 54\n74 40 42 44 46 48 50 51 53 54 56\n75 42 44 46 48 50 52 54 55 57 58\n76 45 47 49 51 53 54 56 58 59 60\n77 47 50 51 53 55 57 58 60 61 62\n78 50 52 54 56 57 59 61 62 63 64\n79 53 55 56 58 60 61 63 64 65 66\n80 55 57 59 60 62 63 65 66 67 68\n81 58 59 61 63 64 66 67 68 69 70\n82 60 62 63 65 66 68 69 70 71 72\n83 62 64 66 67 68 70 71 72 73 74\n84 65 66 68 69 70 71 72 73 74 75\n85 67 68 70 71 72 73 74 75 76 77\n86 69 70 72 73 74 75 76 77 77 78\n87 71 72 73 75 76 76 77 78 79 80\n88 73 74 75 76 77 78 79 80 80 81\n89 74 76 77 78 79 79 80 81 81 82\n90 76 77 78 79 80 81 81 82 83 83\n91 78 79 79 80 81 82 83 83 84 84\n92 79 80 81 82 82 83 84 84 85 85\n93 80 81 82 83 83 84 85 85 86 86\n94 81 82 83 84 84 85 85 86 86 87\n95 82 83 84 85 85 86 86 87 87 88\n96 83 84 85 86 86 87 87 88 88 88\n97 84 85 86 86 87 87 88 88 89 89\n98 85 86 87 87 88 88 89 89 89 90\n99 86 87 87 88 88 89 89 90 90 90\n100 87 88 88 89 89 90 90 90 91 91\n101 88 89 89 90 90 90 91 91 91 92\n102 89 89 90 90 91 91 91 92 92 92\n103 90 90 91 91 91 92 92 92 93 93\n104 91 91 91 92 92 92 93 93 93 93\n105 91 92 92 92 93 93 93 94 94 94\n106 92 93 93 93 93 94 94 94 94 95\n107 93 93 94 94 94 94 95 95 95 95\n108 94 94 94 94 95 95 95 95 95 96\n109 94 95 95 95 95 95 96 96 96 96\n110 95 95 95 96 96 96 96 96 96 96\n111 96 96 96 96 96 96 97 97 97 97\n112 96 96 96 97 97 97 97 97 97 97\n113 97 97 97 97 97 97 97 98 98 98\n114 97 97 97 98 98 98 98 98 98 98\n115 98 98 98 98 98 98 98 98 98 98\nTable VII—Percent Value of Refund Feature; Duration of Guaranteed Amount\nAge Years—\n31 32 33 34 35 36 37 38 39 40\n5 0 1 1 1 1 1 1 1 1 1\n6 0 1 1 1 1 1 1 1 1 1\n7 1 1 1 1 1 1 1 1 1 1\n8 1 1 1 1 1 1 1 1 1 1\n9 1 1 1 1 1 1 1 1 1 1\n10 1 1 1 1 1 1 1 1 1 1\n11 1 1 1 1 1 1 1 1 1 1\n12 1 1 1 1 1 1 1 1 1 1\n13 1 1 1 1 1 1 1 1 1 1\n14 1 1 1 1 1 1 1 1 1 1\n15 1 1 1 1 1 1 1 1 1 1\n16 1 1 1 1 1 1 1 1 1 1\n17 1 1 1 1 1 1 1 1 1 1\n18 1 1 1 1 1 1 1 1 1 2\n19 1 1 1 1 1 1 1 1 2 2\n20 1 1 1 1 1 1 1 2 2 2\n21 1 1 1 1 1 1 2 2 2 2\n22 1 1 1 1 1 2 2 2 2 2\n23 1 1 1 2 2 2 2 2 2 2\n24 1 1 2 2 2 2 2 2 2 2\n25 1 2 2 2 2 2 2 2 2 3\n26 2 2 2 2 2 2 2 2 3 3\n27 2 2 2 2 2 2 2 3 3 3\n28 2 2 2 2 2 2 3 3 3 3\n29 2 2 2 2 2 3 3 3 3 4\n30 2 2 2 3 3 3 3 3 4 4\n31 2 2 3 3 3 3 3 4 4 4\n32 2 3 3 3 3 3 4 4 4 5\n33 3 3 3 3 3 4 4 4 5 5\n34 3 3 3 3 4 4 4 5 5 5\n35 3 3 3 4 4 4 5 5 5 6\n36 3 4 4 4 4 5 5 5 6 6\n37 4 4 4 4 5 5 6 6 6 7\n38 4 4 5 5 5 6 6 7 7 8\n39 4 5 5 5 6 6 7 7 8 8\n40 5 5 5 6 6 7 7 8 8 9\n41 5 5 6 6 7 7 8 9 9 10\n42 6 6 6 7 7 8 9 9 10 11\n43 6 7 7 8 8 9 9 10 11 12\n44 7 7 8 8 9 10 10 11 12 13\n45 7 8 8 9 10 10 11 12 13 14\n46 8 9 9 10 11 11 12 13 14 15\n47 9 9 10 11 12 12 13 14 15 16\n48 9 10 11 12 13 14 15 16 17 18\n49 10 11 12 13 14 15 16 17 18 19\n50 11 12 13 14 15 16 17 18 20 21\n51 12 13 14 15 16 17 19 20 21 22\n52 13 14 15 17 18 19 20 21 23 24\n53 15 16 17 18 19 20 22 23 24 26\n54 16 17 18 19 21 22 23 25 26 28\n55 17 18 20 21 22 24 25 27 28 30\n56 19 20 21 23 24 26 27 29 30 32\n57 20 22 23 25 26 28 29 31 32 34\n58 22 24 25 27 28 30 31 33 34 36\n59 24 25 27 28 30 32 33 35 36 38\n60 26 27 29 31 32 34 35 37 38 40\n61 28 29 31 33 34 36 37 39 40 42\n62 30 32 33 35 36 38 40 41 42 44\n63 32 34 35 37 39 40 42 43 45 46\n64 34 36 38 39 41 42 44 45 47 48\n65 37 38 40 42 43 45 46 47 49 50\n66 39 41 42 44 45 47 48 50 51 52\n67 41 43 45 46 48 49 50 52 53 54\n68 44 45 47 48 50 51 52 54 55 56\n69 46 48 49 51 52 53 54 56 57 58\n70 48 50 51 53 54 55 57 58 59 60\n71 51 52 54 55 56 57 59 60 61 62\n72 53 54 56 57 58 59 60 62 62 63\n73 55 57 58 59 60 61 62 63 64 65\n74 57 59 60 61 62 63 64 65 66 67\n75 59 61 62 63 64 65 66 67 68 69\n76 62 63 64 65 66 67 68 69 69 70\n77 64 65 66 67 68 69 70 70 71 72\n78 66 67 68 69 70 70 71 72 73 73\n79 67 68 69 70 71 72 73 73 74 75\n80 69 70 71 72 73 74 74 75 76 76\n81 71 72 73 74 74 75 76 76 77 78\n82 73 74 74 75 76 77 77 78 78 79\n83 74 75 76 77 77 78 79 79 80 80\n84 76 77 77 78 79 79 80 80 81 81\n85 78 78 79 79 80 81 81 82 82 83\n86 79 80 80 81 81 82 82 83 83 84\n87 80 81 81 82 83 83 83 84 84 85\n88 82 82 83 83 84 84 85 85 85 86\n89 83 83 84 84 85 85 85 86 86 87\n90 84 84 85 85 86 86 86 87 87 87\n91 85 85 86 86 87 87 87 88 88 88\n92 86 86 87 87 87 88 88 88 89 89\n93 87 87 87 88 88 88 89 89 89 90\n94 87 88 88 88 89 89 89 90 90 90\n95 88 88 89 89 89 90 90 90 91 91\n96 89 89 89 90 90 90 91 91 91 91\n97 89 90 90 90 91 91 91 91 92 92\n98 90 90 91 91 91 91 92 92 92 92\n99 91 91 91 92 92 92 92 92 93 93\n100 91 92 92 92 92 92 93 93 93 93\n101 92 92 92 93 93 93 93 93 94 94\n102 92 93 93 93 93 94 94 94 94 94\n103 93 93 93 94 94 94 94 94 94 95\n104 94 94 94 94 94 95 95 95 95 95\n105 94 94 95 95 95 95 95 95 95 95\n106 95 95 95 95 95 95 96 96 96 96\n107 95 95 96 96 96 96 96 96 96 96\n108 96 96 96 96 96 96 96 96 97 97\n109 96 96 96 97 97 97 97 97 97 97\n110 97 97 97 97 97 97 97 97 97 97\n111 97 97 97 97 97 97 98 98 98 98\n112 97 97 98 98 98 98 98 98 98 98\n113 98 98 98 98 98 98 98 98 98 98\n114 98 98 98 98 98 98 98 98 98 99\n115 98 98 98 99 99 99 99 99 99 99\nTable VIII—Temporary Life Annuities; 1 One Life—Expected Return Multiples\n[See footnote at end of tables]\nTemporary Period—Maximum Duration of Annuity\nAge Years—\n1 2 3 4 5 6 7 8 9 10\n5 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n6 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n7 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n8 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n9 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n10 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n11 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n12 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n13 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n14 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n15 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n16 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n17 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n18 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n19 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n20 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n21 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n22 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n23 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n24 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n25 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n26 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n27 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n28 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n29 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n30 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n31 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n32 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n33 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n34 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n35 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n36 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 10.0\n37 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9\n38 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9\n39 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 9.0 9.9\n40 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n41 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n42 1.0 2.0 3.0 4.0 5.0 6.0 7.0 8.0 8.9 9.9\n43 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n44 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n45 1.0 2.0 3.0 4.0 5.0 6.0 7.0 7.9 8.9 9.9\n46 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n47 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n48 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.9\n49 1.0 2.0 3.0 4.0 5.0 6.0 6.9 7.9 8.9 9.8\n50 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8\n51 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.9 9.8\n52 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8\n53 1.0 2.0 3.0 4.0 5.0 5.9 6.9 7.9 8.8 9.8\n54 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.9 8.8 9.8\n55 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n56 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n57 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.8 9.7\n58 1.0 2.0 3.0 4.0 4.9 5.9 6.9 7.8 8.7 9.7\n59 1.0 2.0 3.0 4.0 4.9 5.9 6.8 7.8 8.7 9.6\n60 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.8 8.7 9.6\n61 1.0 2.0 3.0 3.9 4.9 5.9 6.8 7.7 8.7 9.6\n62 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5\n63 1.0 2.0 3.0 3.9 4.9 5.8 6.8 7.7 8.6 9.5\n64 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.4\n65 1.0 2.0 3.0 3.9 4.9 5.8 6.7 7.6 8.5 9.3\n66 1.0 2.0 2.9 3.9 4.8 5.8 6.7 7.6 8.4 9.3\n67 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.4 9.2\n68 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.5 8.3 9.1\n69 1.0 2.0 2.9 3.9 4.8 5.7 6.6 7.4 8.2 9.0\n70 1.0 2.0 2.9 3.9 4.8 5.6 6.5 7.3 8.1 8.9\n71 1.0 2.0 2.9 3.8 4.7 5.6 6.5 7.3 8.1 8.8\n72 1.0 2.0 2.9 3.8 4.7 5.6 6.4 7.2 8.0 8.7\n73 1.0 2.0 2.9 3.8 4.7 5.5 6.3 7.1 7.9 8.6\n74 1.0 1.9 2.9 3.8 4.6 5.5 6.3 7.0 7.7 8.4\n75 1.0 1.9 2.9 3.8 4.6 5.4 6.2 6.9 7.6 8.3\n76 1.0 1.9 2.8 3.7 4.6 5.4 6.1 6.8 7.5 8.1\n77 1.0 1.9 2.8 3.7 4.5 5.3 6.0 6.7 7.3 7.9\n78 1.0 1.9 2.8 3.7 4.5 5.2 5.9 6.6 7.2 7.7\n79 1.0 1.9 2.8 3.6 4.4 5.1 5.8 6.4 7.0 7.5\n80 1.0 1.9 2.8 3.6 4.4 5.1 5.7 6.3 6.8 7.3\n81 1.0 1.9 2.8 3.6 4.3 5.0 5.6 6.1 6.6 7.0\n82 1.0 1.9 2.7 3.5 4.2 4.9 5.4 6.0 6.4 6.8\n83 1.0 1.9 2.7 3.5 4.1 4.8 5.3 5.8 6.2 6.5\n84 1.0 1.8 2.7 3.4 4.1 4.6 5.2 5.6 6.0 6.3\n85 1.0 1.8 2.6 3.3 4.0 4.5 5.0 5.4 5.7 6.0\n86 1.0 1.8 2.6 3.3 3.9 4.4 4.8 5.2 5.5 5.7\n87 .9 1.8 2.5 3.2 3.8 4.3 4.7 5.0 5.3 5.5\n88 .9 1.8 2.5 3.1 3.7 4.1 4.5 4.8 5.0 5.2\n89 .9 1.8 2.5 3.1 3.6 4.0 4.3 4.6 4.8 4.9\n90 .9 1.7 2.4 3.0 3.4 3.8 4.1 4.4 4.5 4.7\n91 .9 1.7 2.4 2.9 3.3 3.7 4.0 4.2 4.3 4.4\n92 .9 1.7 2.3 2.8 3.2 3.5 3.8 4.0 4.1 4.2\n93 .9 1.7 2.3 2.7 3.1 3.4 3.6 3.8 3.9 4.0\n94 .9 1.6 2.2 2.7 3.0 3.3 3.5 3.6 3.7 3.8\n95 .9 1.6 2.2 2.6 2.9 3.1 3.3 3.4 3.5 3.6\n96 .9 1.6 2.1 2.5 2.8 3.0 3.2 3.3 3.3 3.4\n97 .9 1.6 2.1 2.4 2.7 2.9 3.0 3.1 3.2 3.2\n98 .9 1.5 2.0 2.4 2.6 2.8 2.9 3.0 3.0 3.0\n99 .9 1.5 2.0 2.3 2.5 2.6 2.7 2.8 2.8 2.8\n100 .9 1.5 1.9 2.2 2.4 2.5 2.6 2.6 2.6 2.7\n101 .8 1.4 1.8 2.1 2.3 2.4 2.4 2.5 2.5 2.5\n102 .8 1.4 1.8 2.0 2.1 2.2 2.3 2.3 2.3 2.3\n103 .8 1.4 1.7 1.9 2.0 2.1 2.1 2.1 2.1 2.1\n104 .8 1.3 1.6 1.8 1.9 1.9 1.9 1.9 1.9 1.9\n105 .8 1.3 1.5 1.7 1.7 1.8 1.8 1.8 1.8 1.8\n106 .8 1.2 1.4 1.5 1.6 1.6 1.6 1.6 1.6 1.6\n107 .7 1.1 1.3 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 .7 1.1 1.2 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 .7 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 .7 .9 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .6 .8 .9 .9 .9 .9 .9 .9 .9 .9\n112 .6 .7 .8 .8 .8 .8 .8 .8 .8 .8\n113 .6 .6 .7 .7 .7 .7 .7 .7 .7 .7\n114 .5 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples\n[See footnote at end of tables]\nTemporary Period—Maximum Duration of Annuity\nAge Years—\n11 12 13 14 15 16 17 18 19 20\n5 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9\n6 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9\n7 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 19.0 19.9\n8 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9\n9 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9\n10 11.0 12.0 13.0 14.0 15.0 16.0 17.0 18.0 18.9 19.9\n11 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9\n12 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9\n13 11.0 12.0 13.0 14.0 15.0 16.0 17.0 17.9 18.9 19.9\n14 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9\n15 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9\n16 11.0 12.0 13.0 14.0 15.0 16.0 16.9 17.9 18.9 19.9\n17 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9\n18 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9\n19 11.0 12.0 13.0 14.0 15.0 15.9 16.9 17.9 18.9 19.9\n20 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9\n21 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9\n22 11.0 12.0 13.0 14.0 14.9 15.9 16.9 17.9 18.9 19.9\n23 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9\n24 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9\n25 11.0 12.0 13.0 13.9 14.9 15.9 16.9 17.9 18.9 19.9\n26 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9\n27 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.9\n28 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8\n29 11.0 12.0 12.9 13.9 14.9 15.9 16.9 17.9 18.9 19.8\n30 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8\n31 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.9 18.8 19.8\n32 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8\n33 11.0 11.9 12.9 13.9 14.9 15.9 16.9 17.8 18.8 19.8\n34 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.8\n35 10.9 11.9 12.9 13.9 14.9 15.9 16.8 17.8 18.8 19.7\n36 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.8 19.7\n37 10.9 11.9 12.9 13.9 14.9 15.8 16.8 17.8 18.7 19.7\n38 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.8 18.7 19.7\n39 10.9 11.9 12.9 13.9 14.8 15.8 16.8 17.7 18.7 19.6\n40 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.7 19.6\n41 10.9 11.9 12.9 13.8 14.8 15.8 16.7 17.7 18.6 19.6\n42 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5\n43 10.9 11.9 12.8 13.8 14.8 15.7 16.7 17.6 18.6 19.5\n44 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.6 18.5 19.4\n45 10.9 11.8 12.8 13.8 14.7 15.7 16.6 17.5 18.5 19.4\n46 10.9 11.8 12.8 13.7 14.7 15.6 16.6 17.5 18.4 19.3\n47 10.8 11.8 12.8 13.7 14.7 15.6 16.5 17.5 18.4 19.3\n48 10.8 11.8 12.7 13.7 14.6 15.6 16.5 17.4 18.3 19.2\n49 10.8 11.8 12.7 13.7 14.6 15.5 16.4 17.4 18.3 19.2\n50 10.8 11.7 12.7 13.6 14.6 15.5 16.4 17.3 18.2 19.1\n51 10.8 11.7 12.7 13.6 14.5 15.4 16.3 17.2 18.1 19.0\n52 10.8 11.7 12.6 13.6 14.5 15.4 16.3 17.2 18.0 18.9\n53 10.7 11.7 12.6 13.5 14.4 15.3 16.2 17.1 18.0 18.8\n54 10.7 11.6 12.6 13.5 14.4 15.3 16.2 17.0 17.9 18.7\n55 10.7 11.6 12.5 13.4 14.3 15.2 16.1 16.9 17.8 18.6\n56 10.7 11.6 12.5 13.4 14.3 15.1 16.0 16.8 17.6 18.4\n57 10.6 11.5 12.4 13.3 14.2 15.1 15.9 16.7 17.5 18.3\n58 10.6 11.5 12.4 13.3 14.1 15.0 15.8 16.6 17.4 18.1\n59 10.6 11.4 12.3 13.2 14.0 14.9 15.7 16.4 17.2 17.9\n60 10.5 11.4 12.3 13.1 13.9 14.7 15.5 16.3 17.0 17.7\n61 10.5 11.3 12.2 13.0 13.8 14.6 15.4 16.1 16.8 17.5\n62 10.4 11.3 12.1 12.9 13.7 14.5 15.2 15.9 16.6 17.2\n63 10.3 11.2 12.0 12.8 13.6 14.3 15.0 15.7 16.3 17.0\n64 10.3 11.1 11.9 12.7 13.4 14.1 14.8 15.5 16.1 16.7\n65 10.2 11.0 11.8 12.5 13.2 13.9 14.6 15.2 15.8 16.3\n66 10.1 10.9 11.6 12.4 13.1 13.7 14.4 14.9 15.5 16.0\n67 10.0 10.8 11.5 12.2 12.9 13.5 14.1 14.7 15.2 15.6\n68 9.9 10.6 11.4 12.0 12.7 13.3 13.8 14.3 14.8 15.3\n69 9.8 10.5 11.2 11.8 12.4 13.0 13.5 14.0 14.4 14.8\n70 9.6 10.3 11.0 11.6 12.2 12.7 13.2 13.7 14.0 14.4\n71 9.5 10.2 10.8 11.4 11.9 12.4 12.9 13.3 13.6 13.9\n72 9.4 10.0 10.6 11.2 11.7 12.1 12.5 12.9 13.2 13.5\n73 9.2 9.8 10.4 10.9 11.4 11.8 12.1 12.5 12.7 13.0\n74 9.0 9.6 10.1 10.6 11.0 11.4 11.7 12.0 12.3 12.5\n75 8.8 9.4 9.9 10.3 10.7 11.0 11.3 11.6 11.8 12.0\n76 8.6 9.1 9.6 10.0 10.3 10.6 10.9 11.1 11.3 11.4\n77 8.4 8.9 9.3 9.7 10.0 10.2 10.5 10.6 10.8 10.9\n78 8.2 8.6 9.0 9.3 9.6 9.8 10.0 10.2 10.3 10.4\n79 7.9 8.3 8.7 9.0 9.2 9.4 9.5 9.7 9.8 9.8\n80 7.7 8.0 8.3 8.6 8.8 9.0 9.1 9.2 9.3 9.3\n81 7.4 7.7 8.0 8.2 8.4 8.5 8.6 8.7 8.8 8.8\n82 7.1 7.4 7.6 7.8 8.0 8.1 8.2 8.2 8.3 8.3\n83 6.8 7.1 7.3 7.4 7.5 7.6 7.7 7.8 7.8 7.8\n84 6.5 6.7 6.9 7.0 7.1 7.2 7.3 7.3 7.3 7.4\n85 6.2 6.4 6.6 6.7 6.7 6.8 6.8 6.9 6.9 6.9\n86 5.9 6.1 6.2 6.3 6.4 6.4 6.4 6.5 6.5 6.5\n87 5.6 5.8 5.9 5.9 6.0 6.0 6.0 6.1 6.1 6.1\n88 5.3 5.4 5.5 5.6 5.6 5.6 5.7 5.7 5.7 5.7\n89 5.1 5.1 5.2 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 4.8 4.9 4.9 4.9 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.5 4.6 4.6 4.6 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.3 4.3 4.3 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.0 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.8 3.8 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.6 3.6 3.6 3.6 3.7 3.7 3.7 3.7 3.7 3.7\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIII—Temporary Life Annuities; 1 One Life—Expected Return Multiples\n[See footnote at end of tables]\nTemporary Period—Maximum Duration of Annuity\nAge Years—\n21 22 23 24 25 26 27 28 29 30\n5 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9\n6 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9\n7 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.9\n8 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8\n9 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.9 29.8\n10 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8\n11 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.9 28.8 29.8\n12 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8\n13 20.9 21.9 22.9 23.9 24.9 25.9 26.9 27.8 28.8 29.8\n14 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8\n15 20.9 21.9 22.9 23.9 24.9 25.9 26.8 27.8 28.8 29.8\n16 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8\n17 20.9 21.9 22.9 23.9 24.9 25.8 26.8 27.8 28.8 29.8\n18 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7\n19 20.9 21.9 22.9 23.9 24.8 25.8 26.8 27.8 28.8 29.7\n20 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7\n21 20.9 21.9 22.9 23.8 24.8 25.8 26.8 27.8 28.7 29.7\n22 20.9 21.9 22.8 23.8 24.8 25.8 26.8 27.7 28.7 29.7\n23 20.9 21.9 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.7\n24 20.9 21.8 22.8 23.8 24.8 25.8 26.7 27.7 28.7 29.6\n25 20.9 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6\n26 20.8 21.8 22.8 23.8 24.8 25.7 26.7 27.7 28.6 29.6\n27 20.8 21.8 22.8 23.8 24.7 25.7 26.7 27.6 28.6 29.5\n28 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.6 29.5\n29 20.8 21.8 22.8 23.7 24.7 25.7 26.6 27.6 28.5 29.5\n30 20.8 21.8 22.7 23.7 24.7 25.6 26.6 27.5 28.5 29.4\n31 20.8 21.8 22.7 23.7 24.6 25.6 26.6 27.5 28.4 29.4\n32 20.8 21.7 22.7 23.7 24.6 25.6 26.5 27.5 28.4 29.3\n33 20.8 21.7 22.7 23.6 24.6 25.5 26.5 27.4 28.4 29.3\n34 20.7 21.7 22.7 23.6 24.6 25.5 26.4 27.4 28.3 29.2\n35 20.7 21.7 22.6 23.6 24.5 25.5 26.4 27.3 28.2 29.2\n36 20.7 21.6 22.6 23.5 24.5 25.4 26.3 27.3 28.2 29.1\n37 20.7 21.6 22.6 23.5 24.4 25.4 26.3 27.2 28.1 29.0\n38 20.6 21.6 22.5 23.4 24.4 25.3 26.2 27.1 28.0 28.9\n39 20.6 21.5 22.5 23.4 24.3 25.2 26.1 27.0 27.9 28.8\n40 20.6 21.5 22.4 23.3 24.3 25.2 26.1 27.0 27.8 28.7\n41 20.5 21.4 22.4 23.3 24.2 25.1 26.0 26.9 27.7 28.6\n42 20.5 21.4 22.3 23.2 24.1 25.0 25.9 26.8 27.6 28.5\n43 20.4 21.3 22.2 23.2 24.0 24.9 25.8 26.6 27.5 28.3\n44 20.4 21.3 22.2 23.1 24.0 24.8 25.7 26.5 27.3 28.2\n45 20.3 21.2 22.1 23.0 23.9 24.7 25.6 26.4 27.2 28.0\n46 20.2 21.1 22.0 22.9 23.8 24.6 25.4 26.2 27.0 27.8\n47 20.2 21.1 21.9 22.8 23.6 24.5 25.3 26.1 26.8 27.6\n48 20.1 21.0 21.8 22.7 23.5 24.3 25.1 25.9 26.6 27.4\n49 20.0 20.9 21.7 22.6 23.4 24.2 25.0 25.7 26.4 27.1\n50 19.9 20.8 21.6 22.4 23.2 24.0 24.8 25.5 26.2 26.9\n51 19.8 20.7 21.5 22.3 23.1 23.8 24.6 25.3 25.9 26.6\n52 19.7 20.6 21.4 22.1 22.9 23.6 24.3 25.0 25.7 26.3\n53 19.6 20.4 21.2 22.0 22.7 23.4 24.1 24.7 25.3 25.9\n54 19.5 20.3 21.0 21.8 22.5 23.2 23.8 24.4 25.0 25.6\n55 19.3 20.1 20.8 21.6 22.2 22.9 23.5 24.1 24.6 25.2\n56 19.2 19.9 20.6 21.3 22.0 22.6 23.2 23.7 24.3 24.7\n57 19.0 19.7 20.4 21.1 21.7 22.3 22.8 23.4 23.8 24.3\n58 18.8 19.5 20.2 20.8 21.4 21.9 22.5 22.9 23.4 23.8\n59 18.6 19.3 19.9 20.5 21.1 21.6 22.0 22.5 22.9 23.2\n60 18.4 19.0 19.6 20.2 20.7 21.2 21.6 22.0 22.4 22.7\n61 18.1 18.7 19.3 19.8 20.3 20.7 21.1 21.5 21.8 22.1\n62 17.8 18.4 18.9 19.4 19.9 20.3 20.6 21.0 21.2 21.5\n63 17.5 18.1 18.5 19.0 19.4 19.8 20.1 20.4 20.6 20.8\n64 17.2 17.7 18.1 18.6 18.9 19.3 19.5 19.8 20.0 20.2\n65 16.8 17.3 17.7 18.1 18.4 18.7 18.9 19.2 19.3 19.5\n66 16.5 16.9 17.3 17.6 17.9 18.1 18.3 18.5 18.7 18.8\n67 16.1 16.4 16.8 17.1 17.3 17.5 17.7 17.9 18.0 18.1\n68 15.6 16.0 16.3 16.5 16.7 16.9 17.1 17.2 17.3 17.4\n69 15.2 15.5 15.7 16.0 16.1 16.3 16.4 16.5 16.6 16.7\n70 14.7 15.0 15.2 15.4 15.5 15.7 15.8 15.8 15.9 15.9\n71 14.2 14.4 14.6 14.8 14.9 15.0 15.1 15.2 15.2 15.2\n72 13.7 13.9 14.1 14.2 14.3 14.4 14.4 14.5 14.5 14.5\n73 13.2 13.3 13.5 13.6 13.7 13.7 13.8 13.8 13.8 13.9\n74 12.6 12.8 12.9 13.0 13.0 13.1 13.1 13.1 13.2 13.2\n75 12.1 12.2 12.3 12.4 12.4 12.5 12.5 12.5 12.5 12.5\n76 11.5 11.6 11.7 11.8 11.8 11.8 11.8 11.9 11.9 11.9\n77 11.0 11.1 11.1 11.2 11.2 11.2 11.2 11.2 11.2 11.2\n78 10.4 10.5 10.5 10.6 10.6 10.6 10.6 10.6 10.6 10.6\n79 9.9 9.9 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0\n80 9.4 9.4 9.4 9.4 9.5 9.5 9.5 9.5 9.5 9.5\n81 8.8 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9\n82 8.3 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4\n83 7.8 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9\n84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5\n87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\nTable VIII—Temporary Life Annuities;1 One Life—Expected Return Multiples\n[See footnote at end of tables]\nTemporary Period—Maximum Duration of Annuity\nAge Years—\n31 32 33 34 35 36 37 38 39 40\n5 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7\n6 30.8 31.8 32.8 33.8 34.8 35.8 36.8 37.7 38.7 39.7\n7 30.8 31.8 32.8 33.8 34.8 35.8 36.7 37.7 38.7 39.7\n8 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.7\n9 30.8 31.8 32.8 33.8 34.8 35.7 36.7 37.7 38.7 39.6\n10 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6\n11 30.8 31.8 32.8 33.8 34.7 35.7 36.7 37.7 38.6 39.6\n12 30.8 31.8 32.8 33.7 34.7 35.7 36.7 37.6 38.6 39.6\n13 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5\n14 30.8 31.8 32.7 33.7 34.7 35.7 36.6 37.6 38.6 39.5\n15 30.8 31.7 32.7 33.7 34.7 35.6 36.6 37.6 38.5 39.5\n16 30.8 31.7 32.7 33.7 34.6 35.6 36.6 37.5 38.5 39.4\n17 30.7 31.7 32.7 33.7 34.6 35.6 36.5 37.5 38.5 39.4\n18 30.7 31.7 32.7 33.6 34.6 35.6 36.5 37.5 38.4 39.4\n19 30.7 31.7 32.6 33.6 34.6 35.5 36.5 37.4 38.4 39.3\n20 30.7 31.7 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.3\n21 30.7 31.6 32.6 33.6 34.5 35.5 36.4 37.4 38.3 39.2\n22 30.6 31.6 32.6 33.5 34.5 35.4 36.4 37.3 38.2 39.2\n23 30.6 31.6 32.5 33.5 34.4 35.4 36.3 37.3 38.2 39.1\n24 30.6 31.5 32.5 33.5 34.4 35.3 36.3 37.2 38.1 39.0\n25 30.6 31.5 32.5 33.4 34.3 35.3 36.2 37.1 38.1 39.0\n26 30.5 31.5 32.4 33.4 34.3 35.2 36.2 37.1 38.0 38.9\n27 30.5 31.4 32.4 33.3 34.2 35.2 36.1 37.0 37.9 38.8\n28 30.5 31.4 32.3 33.3 34.2 35.1 36.0 36.9 37.8 38.7\n29 30.4 31.4 32.3 33.2 34.1 35.0 35.9 36.8 37.7 38.6\n30 30.4 31.3 32.2 33.1 34.1 35.0 35.8 36.7 37.6 38.5\n31 30.3 31.2 32.2 33.1 34.0 34.9 35.8 36.6 37.5 38.3\n32 30.3 31.2 32.1 33.0 33.9 34.8 35.6 36.5 37.4 38.2\n33 30.2 31.1 32.0 32.9 33.8 34.7 35.5 36.4 37.2 38.0\n34 30.1 31.0 31.9 32.8 33.7 34.6 35.4 36.2 37.1 37.9\n35 30.1 31.0 31.8 32.7 33.6 34.4 35.3 36.1 36.9 37.7\n36 30.0 30.9 31.7 32.6 33.5 34.3 35.1 35.9 36.7 37.4\n37 29.9 30.8 31.6 32.5 33.3 34.1 34.9 35.7 36.5 37.2\n38 29.8 30.7 31.5 32.3 33.2 34.0 34.7 35.5 36.2 37.0\n39 29.7 30.5 31.4 32.2 33.0 33.8 34.5 35.3 36.0 36.7\n40 29.6 30.4 31.2 32.0 32.8 33.6 34.3 35.0 35.7 36.4\n41 29.4 30.2 31.0 31.8 32.6 33.3 34.1 34.7 35.4 36.0\n42 29.3 30.1 30.9 31.6 32.4 33.1 33.8 34.4 35.1 35.7\n43 29.1 29.9 30.7 31.4 32.1 32.8 33.5 34.1 34.7 35.3\n44 28.9 29.7 30.5 31.2 31.9 32.5 33.2 33.8 34.3 34.9\n45 28.8 29.5 30.2 30.9 31.6 32.2 32.8 33.4 33.9 34.4\n46 28.5 29.3 30.0 30.6 31.3 31.9 32.4 33.0 33.5 33.9\n47 28.3 29.0 29.7 30.3 30.9 31.5 32.0 32.5 33.0 33.4\n48 28.1 28.7 29.4 30.0 30.6 31.1 31.6 32.1 32.5 32.9\n49 27.8 28.4 29.0 29.6 30.2 30.7 31.1 31.5 31.9 32.3\n50 27.5 28.1 28.7 29.2 29.7 30.2 30.6 31.0 31.4 31.7\n51 27.2 27.8 28.3 28.8 29.3 29.7 30.1 30.4 30.7 31.0\n52 26.8 27.4 27.9 28.4 28.8 29.2 29.5 29.8 30.1 30.3\n53 26.5 27.0 27.4 27.9 28.3 28.6 28.9 29.2 29.4 29.6\n54 26.1 26.5 27.0 27.4 27.7 28.0 28.3 28.5 28.7 28.9\n55 25.6 26.1 26.5 26.8 27.1 27.4 27.6 27.8 28.0 28.1\n56 25.2 25.6 25.9 26.2 26.5 26.7 26.9 27.1 27.2 27.3\n57 24.7 25.0 25.3 25.6 25.8 26.0 26.2 26.3 26.5 26.5\n58 24.1 24.4 24.7 25.0 25.2 25.3 25.5 25.6 25.7 25.7\n59 23.6 23.8 24.1 24.3 24.4 24.6 24.7 24.8 24.9 24.9\n60 23.0 23.2 23.4 23.6 23.7 23.8 23.9 24.0 24.0 24.1\n61 22.3 22.5 22.7 22.9 23.0 23.1 23.1 23.2 23.2 23.3\n62 21.7 21.9 22.0 22.1 22.2 22.3 22.3 22.4 22.4 22.4\n63 21.0 21.1 21.3 21.4 21.4 21.5 21.5 21.6 21.6 21.6\n64 20.3 20.4 20.5 20.6 20.6 20.7 20.7 20.7 20.8 20.8\n65 19.6 19.7 19.8 19.8 19.9 19.9 19.9 19.9 19.9 20.0\n66 18.9 19.0 19.0 19.1 19.1 19.1 19.1 19.1 19.1 19.1\n67 18.2 18.2 18.3 18.3 18.3 18.3 18.3 18.3 18.4 18.4\n68 17.4 17.5 17.5 17.5 17.5 17.6 17.6 17.6 17.6 17.6\n69 16.7 16.7 16.8 16.8 16.8 16.8 16.8 16.8 16.8 16.8\n70 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0 16.0\n71 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3 15.3\n72 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6 14.6\n73 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9 13.9\n74 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2 13.2\n75 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5 12.5\n76 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9 11.9\n77 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2 11.2\n78 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6 10.6\n79 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0 10.0\n80 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5 9.5\n81 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9 8.9\n82 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4 8.4\n83 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9 7.9\n84 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.4\n85 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9 6.9\n86 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5 6.5\n87 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1 6.1\n88 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7 5.7\n89 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3\n90 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0 5.0\n91 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7 4.7\n92 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.4\n93 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1\n94 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9\n95 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7\n96 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4 3.4\n97 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2\n98 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0\n99 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8\n100 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7\n101 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5\n102 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3\n103 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1\n104 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9\n105 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8\n106 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6 1.6\n107 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4\n108 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3\n109 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1\n110 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0\n111 .9 .9 .9 .9 .9 .9 .9 .9 .9 .9\n112 .8 .8 .8 .8 .8 .8 .8 .8 .8 .8\n113 .7 .7 .7 .7 .7 .7 .7 .7 .7 .7\n114 .6 .6 .6 .6 .6 .6 .6 .6 .6 .6\n115 .5 .5 .5 .5 .5 .5 .5 .5 .5 .5\n1 The multiples in this table are not applicable to annuities for a term certain; for such cases see paragraph (c) of § 1.72-5.\nIf (a) the terms of the contract involve a life or lives, and are such that the above tables cannot be correctly applied, and (b) the amounts received under the contract are at least partly “amounts received as an annuity” under a contract to which section 72 applies, the taxpayer may submit with his return an actuarial computation based upon the applicable annuity table (described below) with ages set back one year, showing the appropriate factors applied in his case, subject to the approval of the Commissioner upon examination of such return. The applicable annuity table is the 1937 Standard Annuity Table (if the investment in the contract does not include a post-June 1986 investment in the contract) or the gender-neutral version of the 1983 Basic Table (if the investment in the contract includes a post-June 1986 investment in the contract). In the case of a contract to which § 1.72-6(d) (relating to contracts in which amounts were invested both before July 1, 1986, and after June 30, 1986) applies, the actuarial computation shall be based on both tables in accordance with the principles of § 1.72-6(d). Computations involving factors to compensate for the effects of contingencies other than mortality, such as marriage or remarriage, re-employment, recovery from disability, or the like, will not be approved.","path":["Title 26—Internal Revenue","CHAPTER I—INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY","SUBCHAPTER A—INCOME TAX","PART 1—INCOME TAXES"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-26.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:25:11Z","sha256":"a131224a51d92a7e9a3212f8e5125d1f286010a01622abcff3985cb8773987ac","source_id":"us-cfr","stale":true,"prev":"us/26-cfr-1.72-8","next":"us/26-cfr-1.72-10"},"notice":"GroundRules: Original legal text. Not legal advice."}