1963 Reports of Mortality and Morbidity Experience - I. Mortality … · 2011. 11. 3. · 2...

TRANSACTIONS OF SOCIETY OF ACTUARIES 1963 REPORTS

TRANSACTIONS 1963 REPORTS OF M O R T A L I T Y AND M O R B I D I T Y E X P E R I E N C E

R E P O R T S OF T H E C O M M I T T E E ON M O R T A L I T Y U N D E R O R D I N A R Y I N S U R A N C E S

AND A N N U I T I E S

I. M O R T A L I T Y U N D E R S T A N D A R D O R D I N A R Y I N S U R A N C E ISSUES B E T W E E N 1961

AND 1962 A N N I V E R S A R I E S

T HIS report covers the intercompany experience under standard Ordinary insurance issues between 1961 and 1962 anniversaries. I t reviews in turn the mortality experience under:

1. Standard Ordinary insurance issued subject to a medical examination during each of the first fifteen policy years;

2. Standard Ordinary insurance issued without a medical examination during each of the first fifteen policy years; and

3. Standard Ordinary insurance--medical and nonmedical issues combined-during the sixteenth and subsequent policy years.

In addition, for those companies which subdivided their contributions by sex, the experience in the above categories in the five-year period between 1957 and 1962 anniversaries was analyzed by sex.

An analysis by cause of death is not included this year. Since annual changes in the distribution by cause of death are small and of relatively minor importance, the data will be accumulated and published every few years.

The names of the eighteen contributing companies and their pro- portionate contributions to the total exposures are given in Table A of the Appendix.

EXPERIENCE UNDER STANDARD ISSUES DURING THE

FIRST FIFTEEN YEARS OF INSURANCE

Medically Examined Issues

The current experience during the first fifteen policy years is based on an exposure of $90,495,737,000 (an increase of 4.6 per cent over last year) and actual claims of $278,775,000.

1

2 COMMITTEE ON MORTALITY--ORDINARY

Expected deaths and mortality ratios were calculated on the 1955-60 Male and Female Combined Select Basic Table (TSA, 1962 Reports, 44) and on the 1946--49 Select Basic Table (TSA, I I , 506). The results by age groups at issue are shown in Table 1 for the first fifteen policy years combined. The experience by year of issue is presented in Table 2. The detailed

TABLE 1

S T A N D A R D M E D I C A L L Y E X A M I N E D IssuEs oF 1947 TO 1961 EX.~ 'ERIENCE B E T W E E N 1961 A N D 1962 A N N I V E R S A R I E S

BY AGE AT ISSUE POLICY YEARS 1 TO 15 COMBINED

Expected Deaths on 1946--49 Select Basic Table and 1955-60 Male and Female Combined Select Basic Table

(Amounts Shown in $1,000 Units)

AGES A1 ISSUE

10-14 " i I 15-19. 20-24. 25-.29. 30-34. 35-39. 40-44 . . . . . 45-49 . . . . . 50-54 . . . . . 55-59 . . . . . 60-64 . . . . 65-69 . . . . . 70 and over 65 and over

All ages.

EXPOSED T O RISK

$ 905,650 2,128,870 6,784,477

13,415,398 18,945,173 18,740,499 14,225,633 8,464,914 4,296,158 1,838,396

587,953 147,463 15,153

162,616

$90,495,737

ACTUAL

$ 826 1,917 5,437

14,122 28,610 46,618 55,847 49,113 39,055 25,360 8,509 3,024

337 3,361

$278,775

1955-60 MALE AN'D 1946 49 SELf;Or ] FEMALE COMBINED

~ELE~T ~'i~S~C ['ABLE ! I i

Expected Morta~it~ ~ Expected Mor ta l i t y Deaths R a t i - Deaths Ra t io

. _ _ _ _ _ . . _ _

$ 772 107.0% $ 681 --121-3% 2,214 86.6 I 1,918 999 6,894 78.9 5,724 95.0

17,312 81.6 13,853 101.9 34,204 83.6 28,472 100.5 54,438 85.6 46,487 100.3

I 56,972 98.0 64,929 86.0 60,860 80.7 51,830 94.8 44,257 88.2 38,935 100.3 27,142 93.4 t 23,723 106.9 12,558 67.8 10,610 80.2

. . . . . . . . . . . . . . . . . . 3,378 89.5

. . . . 41563 " 7 3 : 7 . . . . . . .480 ..... 7,0.12..,

84.4% $283,063 98.5%

experience by age groups at issue for each year of issue is set forth in Table B of the Appendix.

The aggregate mortality ratio for the period from 1961 to 1962 anniversaries was 98.5 per cent on the 1955-60 Table and 84.4 per cent on the 1946--49 Table. The latter ratio is 0.8 percentage points lower than tha t for the period from 1960 to 1961 anniversaries and is the second lowest ratio experienced on the 1946-49 Table; the lowest ratio, 83.6 per cent, was reported for the period from 1959 to 1960 anniversaries.

STANDARD ORDINARY INSURANCE

The relatively high mortal i ty ratios in issue age groups 10--14 and 55-59 are due to large individual claims. Issue age group 60-64 has shown relatively low mortal i ty for four successive years.

The analysis by year of issue, as presented in Table 2, shows that the mortal i ty ratio in policy year 1 is the highest (89.6 per cent) of all policy

TABLE 2

STANDARD MEDICALLY E X A M I N E D ISSUES OF 1947 TO 1961 EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES

BY YEAR OF ISSUE

ALL AGES COMBINED

Expected Deaths on 1946-49 Select Basic Table and 1955-60 Male and Female Combined Select Basic Table


YEAR O F ISSUrE

t947 . . . . . [948 . . . . . [949 . . . . . t950 . . . . . [951 . . . . . [952 . . . . . [953 . . . . . 1954 . . . . . 1955 . . . . . 1956 . . . . . 1957 . . . . . 1958 . . . . . 1959 . . . . . 1960 . . . . . 1961 . . . . .

All vears of issue

POLICE EXX~O SED ACTUAL

YEAR TO RISK DEATBS

15 14 13 12 11 10 9 8 7 6 5 4 3 2 1

$ 3,047,148 2,668,596 2,822,917 3,355,641 3,090,820 3,538,175 4,181,611 5,071,733 6,541,408 7,269,915 8,835,720 9,568,536

10,273,956 9,557,059

10,672,502

290,495,737

$ 22,656 17,594 16,299 16,903 17,188 16,552 18,821 19,732 21,074 19,664 21,795 22,579 20,497 15,088 12,333

$278,775

1946-49 SELECT BASIC TABLE

Expected Mortality Deaths Ratio

$ 27,547 82.2% 21,074 83.5 19,533 83.4 20,657 81.8 19,413 88.5 19,775 83.7 21,045 89.4 22,783 86.6 25,567 82.4 25,779 76.3 26,379 82.6 25,284 89.3 23,912 85.7 17,634 85.6 13,761 89.6

~330,143 84.4%

1955-60 MALE AND FEMALE COM-

BINED SELECT BASIC TABLE

Expected Mortal i ty Deaths Ratio

$ 22,676 99.9% 18,141 97.0 16,946 96.2 17,676 95.6 16,461 104.4 17,075 96.9 18,087 104.1 19,522 101.1 22,654 93.0 21,091 93.2 21,015 103.7 21,656 104.3 20,850 98.3 15,920 94.8 13,293 92.8

$283,063 98.5%

years when calculated on the 1946-49 Table, bu t is the lowest (92.8 per cent) when calculated on the 1955-60 Table. The reason for this is tha t the lat ter table, which closely reflects the experience from 1955 to 1960

anniversaries, shows much less improvement over the 1946-49 Table in

policy year 1 than in the later years.

The following table gives an indication of the variat ion in the aggre-

4 COMMITTEE ON M O R T A L I T Y - - O R D I N A R Y

gate mortal i ty ratios of the contributing companies from the average of 84.4 per cent calculated on the 1946-49 Select Basic Table:*

Number of Proportion of Companies Actual Deaths

Percentage points bel¢nv average: 11-23 . . . . . . . . . . . . . . . . . . . . . . (6-10 . . . . . . . . . . . . . . . . . . . . . . 1- ~ . . . . . . . . . . . . . . . . . . . . . .

Percentage points above average: 0-.5 . . . . . . . . . . . . . . . . . . . . . . 6-10 . . . . . . . . . . . . . . . . . . . .

11-16 . . . . . . . . . . . . . . . . . . . .

10.8% 13.8 11.8

26.4 27.8 9.4

N o n m e d i c a l I s s u e s

The current experience during lhe first fifteen policy )'ears of insurance is based on an exposure of $!o,264,15~,0oo (ar~ im:rea~e ~f 1112 per ~enl over last year) and actual claims of $45,043,000. Expected deaths were calculated on the 1955-00 Maie and Femaie Combined Sele{t Basic Tabi~ and on the 1946-49 Select Basic Table, which were based on experience under medical issues except that nonmedical issues were included in the 1955-60 Table for issue ages under 25.

Nonmedical business now comprises .30.3 per cent of the total experience on recent Ordinary issues as measured by the exposures, 1.1 percentage points more than last year. The proportion of nonmedical issues for 1961 was 40.3 per cent, compared with 39.4 per cent in 1960.

The mortali ty ratios for nonmedical issues are presented in Table 3 by age group at issue for all years of issue combined. The aggregate mortali ty ratio for the period from 1961 to 1962 anniversaries was 105.8 per cent on the 1955-60 Table and 89.3 per cent on the 1946-49 Table. The latter ratio is 1.3 percentage points higher than that for the period from 1960 to 1961 anniversaries. The high mortal i ty ratio at ages 50 and over cannot be ascribed to any one company since five of the ten companies experiencing deaths in this group had mortal i ty ratios exceeding the average of 109.6 per cent.

The mortali ty ratios in Table 3 understate somewhat the death rates on nonmedical business, because, in calculating the expected deaths, no adjustment was made for the fact that the average age of the exposures under nonmedical issues for issue age groups 35-39, 40--44, 45-49, and 50

* Since the 1955-60 Table had not yet been published when the instructions for the current study were sent out, companies were asked to calculate expected deaths on the 1946-49 Table only. The Committee later calculated expected deaths on the 1955-60 Table for all companies combined, but not for individual companies.

STANDARD ORDINARY INSURANCE 5

and over are younger than the average ages of the exposures for these age groups in the medical experience entering into the Basic Tables. This s i tuat ion arises because the age limits for nonmedical issues of the con- t r ibut ing companies are variously set at 35, 40, 45, or 50, so tha t the nonmedical exposures beyond these ages tend to fall off sharply. I t is likely that a further unders ta tement arises from the general practice of reduc- ing nonmedical amount limits in steps of $5,000 or $10,000 beyond ages ending in 0 and 5, such as 30 and 35.

TABLE 3

STANDARD NONMEDICAL ISSUES OF 1947 TO 1961 EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES

BY AGE AT ISSUE POLICY YEARS 1 TO 15 COMBINED

Expected Deaths on 1946-49 Select Basic Table and 1955-60 Maie and Female Combined Select Basic Table


AGES AT Issue

10-14 . . . . . . . . 15-19 . . . . . . . . ~0-24 . . . . . . . . ~5-29 . . . . . . . . 30.-34 . . . . . . . . 35-39 . . . . . . . . t0-44 . . . . . . . . t5-49 . . . . . . . . 50 and over...

All ages . . . .

EXPOSED TO PdSK

$ 1,667,608 6,709,898

10,841,023 9,983,312 6,365,626 3,008,650

616,208 59,684 12,144

~9,264,153

ACTUAL DEATIIS

$ 1,011 6,281 8,660 8,838 9,169 7,511 2,840

550 183

$45,043

1946 49 SELECT BASIC TABLE

Expected. Mortality Deaths* Ratio*

$ 1,236 81.8% 6,324 99.3 9,875 87.7

11,036 80.1 9,978 91.9 8,124 92.5 3,095 91.8

598 92.0 167 109.6

$50,433 89.3%

1955 60 MALE AND FE~t~,LE CO~tBn, mD

SELECT BASIC TABt.E

Expected Mortality Deaths* Ratio*

$ 1,103 91.7~ 5,770 108.9 8,455 102.4 8,758 100.9 8,236 111.3 6,903 108.8 2,702 105.1

495 111.1 147 124.5

$42,569 105.8o~

* Not adjusted for distribution of exposures by age within each five-year age group at issue.

An indication of the extent to which Table 3 understates the true morta l i ty on nonmedical business is given in the first table on page 6, which shows mortal i ty ratios adjusted for the distr ibution of exposures by age within each five-year age group at issue. Only the nonmedical age limits of the contr ibuting companies were considered in making this ad jus tment ; the reductions in amount limits mentioned above were not considered.

The unadjus ted mortal i ty ratios understate the true mortal i ty on nonmedical business to a significant degree at ages 40-44. Except for one company, whose limit for nonmedical issues was age 50 in the years 1951-

MORTALITY RATIOS ON NONMEDICAL ISSUES OF 1947 TO 1961

EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES BY AGE AT ISSUE

POLICY YEARS 1-15 COMBINED Expected Deaths on 1955-60 Male and Female

Combined Select Basic Table

AGES AT iSSUE

35-39 . . . . . . . . . . . . . . . . . . . 4 0 - - 4 4 . . . . . . . . . . . . . . . . . . .

45.-49 . . . . . . . . . . . . . . . . . . . 50 and over . . . . . . . . . . . . .

Ages 35 and over . . . . . .

MORTALITY RATIOS

Unadjusted Adjusted

108.8% 109.3% 105.1 116.1 111.1 115.1 124.5 129.8 108.2% 111 5%

TAt~I,E 4

~I'A~\IDARIJ N t )NMED[C~LL ISSUES o l 19t7 r o 1961 EXPERIENCE I~ETWEEN 1961 AN I) 1962 kS N IVLR>ARIES

BY YEAR ()F ISSUE ALL AGES COMBINED

Expected Deaths on 194(>49 Select Basic Table and 1955 60 Male and Female Combined Select Basic Table


~EAR OF

I s s u z

1947 . . . . . . 1948 . . . . . . 1949 . . . . . . 1950 . . . . . . 1951 . . . . . . 1952 . . . . . . 1953 . . . . . . 1954 . . . . . . 1955 . . . . . . 1956 . . . . . . 1957 . . . . . . 1958 . . . . . . 1959 . . . . . . 1960 . . . . . . 1961 . . . . . .

All years of issue

POLICY YEAR

15 14 13 12 11 10 9 8 7 6 5 4 3 2 1

EXPOSED TO RiSK

657,678 563,843 609,053 752,875

1,133,560 1,288,443 1,515,297 1,537,210 1,746,338 2 ,599,256 4 ,474,626 4 ,645,063 4 ,981,896 5,550,268 7,208,747

$39,264,153

ACTr-A L

DEATYIS

1,942 1,504 1,491 1,631 2,238 2,352 2,456 2,263 2,195 3,252 4,804 4,791 4,693 4,331 5,100

45,043

1 9 4 6 - 4 9 SELE~Yr BASI¢? TABLE

1 9 5 5 - 6 0 MALE

AND FEMALE COM- BLNED SELECT BASIC ~ B L E

Expected Mortality Expected Deaths* Ratio* Deaths*

$ 2,335 8 3 . 2 % $ 1 , 8 7 8 1,704 88.3 1,439 1,644 90.7 1,419 1,820 89.6 1,570 2,676 83.6 2,297 2,685 87.6 2,324 2,800 87.7 2,383 2,524 89.7 2,072 2,520 87.1 2,091 3,751 86.7 2,966 5,852 82.1 4,590 5,290 90 .6 4 ,376 5,115 91.7 4,348 4,780 90 .6 4,137 4,937 103.3 4,679

$50,433 89 .3%$42 ,569

MortMi(y Ratio*

103 4% 104.5 105.1 103.9 97.4

101.2 103.1 109.2 105.0 109.6 104.7 109.5 107.9 104.7 109.0

105,8%

* Not adjusted for distribution of exposures by age within each five-year age group at issue.


53, nonmedical issues at ages 45-49 and especially at ages 50 and over are largely business issued under special circumstances (such as pension trust and salary allotment plans), which do not appreciably affect the distribution of exposures by age within each five-year age group at issue. So- called "policyholder's nonmedical," issued on the basis of a previous medical examination within six or twelve months, is also included for some companies; others include it in their medical issues.

The mortality ratios by year of issue for the experience on nonmedical business during the period from 1961 to 1962 anniversaries are presented in Table 4 on an unadjusted basis. The mortality ratio on the 1946-49 Table for the first policy year is markedly higher than those for the later durations; this has been a consistent feature of the nonmedical data.

The details of the unadjusted experience by age groups at issue for each year of issue are set forth in Table C of the Appendix.

The following table gives an indication of the variation in the aggregate mortality ratios of the contributing companies from the average of 89.3 per cent calculated on the 1946-49 Select Basic Table:

Percentage points below average: 21-33 . . . . . . . . . . . . . . . . . . . . . 1 1 - 2 0 . . . . . . . . . . . . . . . . . . . . . 6-10 . . . . . . . . . . . . . . . . . . . . . 1-5 . . . . . . . . . . . . . . . . . . . . .

Percentage points above average: 0 - 5 . . . . . . . . . . . . . . . . . . . . . 6-10 . . . . . . . . . . . . . . . . . . . . .

11-21 . . . . . . . . . . . . . . . . . . . . .

Number of Proportion of

- - Companies i Actual 4.5 1.3~0 Deaths

5 8.2 1 7.3

4 75.8 0 0.0 2 2.9

Comparison of Medical and Nonmedical Experience

I t would be desirable to compare the nonmedical experience with an experience on strictly comparable policies issued with a medical examination, but data for such a comparison are not available. Table 5 presents side by side the experience on medical and nonmedical issues as reported to the Committee for the five-year period from 1957 to 1962 anniversaries. The normledical mortality ratios shown in this table have been adjusted so as to reflect the approximate distribution of nonmedical exposures by age for issue age groups 35-39 and over. The lower half of Table 5 shows that, for policy years 1-15 combined, nonmedical mortality is about 8 per cent higher than medical mortality at issue ages 15-39, and at least 20 per cent higher at issue ages 40 and over.

Additional data furnished to the Committee indicate that, as in prior

8 COMMITTEE ON M O R T A L I T Y - - O R D I N A R Y

years, females continue to constitute a higher proportion of nonmedical issues (11.3 per cent for 1961 issues) than of medical issues (7.1 per cent for 1961 issues) by amounts of insurance. In former years the proportion of females was much higher for nonmedical issues; in 1955, for example, it was 21.2 per cent. Because females constitute a higher proportion of the nonmedical than of the medical experience, Table 5 understates the excess of nonmedical mortality over medical mortality. A more accurate

TABLE 5

COMPARISON OF MEDICAL AND NONMEDICAL EXPERIENCE BETWEEN 1957 AND 1962 ANNIVERSARIES

BY AGE GROUP AT ISSUE AND DURATION (FIRST FIFTEEN POLICY YEARS)

POLICY YEARS

t 2 3 5 6 - 1 0 11 15 I - 1 5

t I

3.~31: GR~:ZT M q r t M i t y R a t i o ~ (m l o g 5 - 6 0 M a l e and F e m a l e

AT iSSIE Combined ,%l(~t Basic Table

10--14.. , 15-19... 20-24. . . 25-29..• 30-34. . . 3 5 - 3 9 . 40-44•.. 4 5 - 4 9 . . 50 and ove

All ages

10-14. 15-19. 20-24. 25-29. 30-34. 35-39. 40-44. 45-49. 50 and ove

N o n - ~edi- medi- cal cal % %

73 59 88 107 86 110 98 108

105 116 100 111" 99 127"

100 135" 97 132"

99 109"

I Non- Medi- medi-

;~1 cal

154 73 100 118 94 99 99 100

106 115 103 119" 100 130" 100 112" 102 126"

102 109"

Medi- cal

,o

92 107 101 98

i00 100 98 97 99

99

N o n -

medical o~

105 95

102 109 111 108" 121" 1.33" 109" I

108"

Non- ~ledi- cal medi-

cal % %

108 103 99 92

100 98 99 95 98 I00

101 99* 101 115" 97 132" 97

99 101'

Ratios of Nonmedical to Medical Mortality Ratios

81% 122 128 110 110 111 128 135 136

47% 118 105 101 108 116 130 112 124

114% 89

101 111 111 108 123 137 I10

95% 93 98 96

102 98

114 136 144

i o n - Medi- medical cal

109 88 99 106 95 103 99 103

I01 I i0 101 109" 100 121" 98 130" 99 122"

99 107"

81% 107 108 104 109 108 121 133 123

* Adjusted for distribution of exposures by age within each five-year age group at issue.


picture is given in Table 9 in a later section of this report, which analyz- es the experience by sex.

EXPERIENCE UNDER STANDARD ISSUES DURING THE SIXTEENTH AND SUBSEQUENT POLICY YEARS

The current experience during the sixteenth and subsequent pol icy years is based on an exposure of $40,049,868,000 (an increase of 11.0 per cent over last year) and ac tua l claims of $711,226,000. Mor t a l i t y rat ios based on (i) the 1955-60 Male and Female Combined Ul t imate Basic Table , (ii) the 1946--49 Ul t imate Basic Table, (iii) the Commissioners 1941 S tandard Ordinary Mor t a l i t y Table, and (iv) the Commissioners 1958 S tandard Ordinary Mor t a l i t y Table are presented in Table 6 by a t t a ined age groups. This year ' s report adds the experience for age groups 15-19 and 20--24. Since the exposure a t these ages is small, this addi t ion

TABLE 6

STANDARD ISSUES DURING S I X T E E N T H AND SUBSEQUENT POLICY YEARS

EX PERIE NCE BETWEEN 1961 AND 1962 ANNIVERSARIES

BY ATTAINED AGE ALL POLICY YEARS COMBINED

(Amounts Shown in 51,000 Units)

ATTAINED AGES

15-19... $ 705,9395 20-24... 362,520 25-29... 416,834 30-34... 978,519 35-39... 2,099,813 ,1.0-44... 3,589,468 45-49... 5,269,734 50-54... 6,332,101 55-59... 6,471,889 60--64... 5,295,037 65-69... 3,876,822 70-74... 2,527,865 75-79... 1,372,676 80-84... 557,571 85-89... 161,729 90--95... 31,351

All ages $40,049,86815~

EXPOSED ACTUAL TO RISK DEATHS

1955-60 MALE AND FEMALE CoMBw,rED ULTI-

MATE BASIC TABLE

1946-49 ULTIMATE

BASIC TABLE

Expected Mot- Mor- tality Expected tality

Deaths Deaths Ratio Ratio

MOR- MOR- TALITY TALITY RATIO RATIO

ON 1941 ON 1958 CSO CSO

TABLE TABLE

i $711,22~ $734,739 96.8%$842,604 84.4% 63.9% 81.70~

4885 521 93.7%$ 584 83.6% 30.7~ 43.0~ 429 340 126.2 389 110.3 46.0 63.7 375 431 87.0 498 75.3 28.6 44.9

1,039 1,113[ 93.4 1,456 71.4 26.6 46.6 3,235 3,347! 96.7 4,261 75.9 29.3 53.3 9,680 9,731, 99.5 11,864 81.6 37.7 63.3

24,615 25,565 96.3 29,957 82.2 46.5 72.1 50,723 51,507 98.5 59,903 84.7 55.4 79.4 81,205 84,190 96.5 101,917 79.7 59.5 80.3

105,658 110,823 95.3 132,969 79.5 63.9 82.0 118,1691 126,347 93.5 144,410 81.8 65.7 80.4 121,2931 123,797 98.0 138,516! 87.6 69.6 82.9 99,40? 100,248 99.2 111,235 89.4 71.0 85.9 61,71~ 61,366 100.6 68,0~ 90.7 73.7 88.2 26,2~ 27,453 95.4 28,93~ 90.5 74.9 i 91.0 6,992 7,960 87.8 7,63~ 91.5 71.0 8 6 . 0

10 C O M M I T T E E O N M O R T A L I T Y - - - O R D I N A R Y

has a negligible effect on the comparability of this year 's aggregate mortality ratios with those of previous years. The aggregate mortality ratio on the 1946-49 Ultimate Basic Table for the period from 1961 to 1962 anniversaries (84.4 per cent) is .3 percentage points lower than the ratio for the period from 1960 to 1961 anniversaries.

The following table gives an indication of the variation in the aggregate mortality ratios of the contributing companies from the average of 84.4 per cent calculated on the 1946-49 Ultimate Basic Table:

Percentage points below average: 1 1 - 1 2 . . . . . . . . . . . . . .

6 - 1 0 . . . . . . . . . . . . . . . . . . . . . 1 - 5 . . . . . . . . . . . . .

Percentage pc, in%" above average: 0 5 . . . . . . . .

Number of Proport ion of Companies Actual Dea ths

1 1 .4% ,-1- 7 . 6 5 1 9 . 1

i

E X P E R I E N C E BY S E X D U R I N G T H E F I R S T F I F T E E N

Y E A R S O F I N S U R A N C E

Sixteen of the eighteen companies which contributed their experience on medical issues, and fifteen of the seventeen companies which contributed their experience on nonmedical issues, submitted data separately for males and females. One company's sex-distinct contribution was, how- ever, limited to issues of 1952 and later. For the period from 1961 to 1962 anniversaries the sex-distinct data comprise 91.6 per cent of the medical exposures and 96.1 per cent of the nonmedical exposures.

For the period from 1957 to 1962 anniversaries, the sex-distinct data comprise 85.6 per cent of the medical exposures and 89.1 per cent of the nonmedical exposures. The detailed experience for the period from 1961 to 1962 anniversaries by age group at issue for each year of issue is presented in Table D of the Appendix for medical issues and in Table E for nonmedical issues. Expected deaths were calculated on the 1955-60 Male Select and the 1955-60 Female Select Basic Tables.

The mortality ratios by age group at issue and sex for the first fifteen policy ),ears combined, covering the experience from 1957 to 1962 anniversaries, are presented in Table 7 for standard medically examined issues and in Table 8 for standard nonmedical issues. For the purpose of comparing male and female mortality in the right-hand column of these tables, mortality ratios for females were calculated on the male table. The ratios of female to male mortality are under 40 per cent for ages below

T A B L E 7

COMPARISON OF MALE AND FEMALE MORTALITY EXPERIENCE* STANDARD MEDICALLY EXAMINED ISSUES

OBSERVED BETWEEN 1957 AND 1962 ANNIVERSARIES BY AGE AT ISSUE--POLICY YEARS 1 TO 15 COMBINED

Expected Dea ths on 1955-60 Male Select Basic Table and 1955-60 Female Select Basic Table


I MORTALITY , RATIO OF EX.~OSED TO RISK ACTUAL DEATHS

AGES AT 1RATIO i FEMALE TO MALE

I s s v ~ [ I M o R -

10-14 . . . . . 15-19 . . . . . 20-24 . . . . . 25-29 . . . . . 30-34 . . . . . 35-39 . . . . . 40-44 . . . . . 45-49 . . . . . 50-54 . . . . . 55-59 . . . . . 60-64 . . . . . 65-69 . . . . . 70 and over

All ages. .

Male Female

3,145,466 ~ 719,734 I 7,315,966 944,602 ! 24,480,1381 1,672,908

49,947,872! 2,030,993 69,185,2051 2,825,518 66,681,260. 3,457,421 49,608,544 3,952,044 28,879,017 2,945,035 14,351,671 1,730,558

6,007,114 812,572 1,835,127 299,129

417,746 80,639 33,361 7,124

$321,888,487 $21,478,277

Male

$ 2,913 6,869

19,239 46,312 96,403

155,117 191,938 171,071 133,454

79,320 31,159

9,267 905

$943,967

Female

$ 171 361!

1,021 1,634 3,45C 5,85~ 9,952 9,865 7,161 5,289 2,634

874 88

$48,358

Male

106.4% 92.8 91 .4 97.1

100.3 100.0 99.5 98.O

101.1 102.8 95 .5 95 .9 82.8

9 9 . 4 %

Female

7 8 . 4 ~ 96.5

102.5 116.9 107.6 110.1 109.0 102.0 96.1

103.8 94.5 82.9 81.5

103 .3~

TALITY ~

24 .9% 39.5 69.5 73.3 76.6 67 .4 64.2 57.2 46 .0 51 .0 54.2 53.1 52.7

57.6o~

* Based on data from 16 companies. t Female mortality ratios calculated on 1955-60 Male Select Basic Table.

T A B L E 8

COMPARISON OF MALE AND FEMALE MORTALITY EXTERIENCE* STANDARD NONMEDICAL ISSUES

OBSERVED BETWEEN 1957 AND 1962 ANNIVERSARIES BY AGE AT ISSUE--POLICY YEARS 1 TO 15 COMBINED

Expected Dea ths on 1955-60 Male Select Basic Table and 1955-60 Female Select Basic Table


AGES AT

ISSUE

10-14 . . . . . . 15-19 . . . . . . 20-24 . . . . . . 25-29 . . . . . . 30-34 . . . . . . 35-39 . . . . . . 4 0 - 4 4 . . . . . .

45-.49 . . . . . . 50 and over.

All a g e s .

EXPOSED TO RISK

Male

$ 4,603,694 18,933,583 33,830,383 33,256,463 21,379,395

9,514,661 1,910,692

208,17C 42,213

Female

$ 1,338,731 3,510,028 4,880,313 3,080,319 2,528,400 1,908,591

442,150 41,457

7,768

S17,737,757

ACTUAL DEATHS

Male

$ 2,988 19,196 28,402 29,539 28,961 22,929

9,021 1,831

601

Female

$ 354 1,23£ 2 , 7 K 2,35£ 2,85C 3,24~ 1,107

19~ 42

$14,091

MORTALITY

RnTto t

M a l e

86 .0% 105.4 102.3 103.6 111.8 112.6 113.4 119.1 125.2

$123,679,254 $143,468 106.9%

Female

102.0°~ 98.8

102.3 124.7 111.5 118.7 107.1 133.6 140.0

111.5%

RATIO OF FEMALE

TO MALE MOR-

TALITY~

39 .1% 33.3 60.3 74.0 72.6 65.9 55.7 61.0 39.9

59 .9%

* Based on data from 15 companies. t Not adjusted for distribution of exposures by age within each five-year age group at issue. $ Female mortality ratios calculated on the 1955 60 Male Select Basic Table.

i:" ~i ) i . - ! ....... 2

12 C O M M I T T E E ON M O R T A L I T Y - - O R D I N A R Y

20, in t h e r a n g e of 60 70 p e r c e n t for a g e s 20--24, a b o u t 75 p e r c e n t for

a g e s 2 5 - 3 4 , a b o u t 65 p e r c e n t fo r a g e s 35---44, a n d g e n e r a l l y in t h e r a n g e

o f 5 0 - 6 0 p e r c e n t for a g e s 45 a n d o v e r .

T AB L E 9

Ct)MPARISON BY SEX OF MEDICAL AND NONMEDICAL EXPERIENCE* BETWEEN 1957 AND 1962 ANNIVERSARIES

BY AGE GROUP AT ISSUE AND DURATION (FIRST FIFTEEN 'POLICY YEARS)

POLICY YEARS

I - 2 3 5 6 10 . 11-1.5 I 1 - 1 5 AGE GROUP _ _ _

aa" Issl ~: [ Medi- N o n.- I Xon- Non Non Non- Medi . Medi- medi- Medl- medi- Medi-cal n-tedi- cal iI medl- cal I me(h- cal cal ,:a) t cal [ cal cal cal ' I i ~ ! ! !

. \ l o r t a l i I 5 lC/t!i fill M a l e Select. Bas i c ' f ab l e

10 14. . , 15-19 . . . 2 0 - 2 4 . . 25 - 2 9 . . 30.34. 3 5 - 3 9 . . 40~-14... 4 5 - 4 9 . . . 50 and ove

All ages

no 14 . . . . . 15-19 . . . . . 20-24 . . . . 25--29 . . . . 30-34 . . . . . 35-39 . . . . . 40-44 . . . . . 45-.49 . . . . . 50 and over

A]] ages

72 84 82

10(I I00 100 99

98

58 144 107 90 107 90 108 96 116 107 l l 0 t 101 1271 98 1311" 100 183t 104

108t 101

72 114 98 99

115 123f 140f l13f 144f

108t

94 101 99 98 99 98 99 98

101

99

107 93

101 111 113 l13t 127t 137t 118t

110t

104 95 99 96 96

101 101 96 97

98

107 94 99 95

101 103t l l S t 105f 126f

106 93 91 97

100 100 99 98

101

86 105 102 104 112 113t 125t 123t 131t

108t

E e m a l e Exper i ence M o r t a l i l y Ra t i o s on 1955 6':) F e m a l e Se l ec t B a s i c T a b l e

57 67 71 9,3 85 114

116 150 89 99 94 146t

112 148t 161 180t 90

109 121t

49 128

78 122

79 122 110 99 99

102

88 [100

89 116

~117 123t

1 1 2 ~ 169t | 5 5 t

11ot

47 125 (64 99

115 105 107 122 122 119 108 105t 103 108f 96 114t 97 l17t

120 111 111 122 118 110 I14 87 99

104

100 102 103 119 105 119t 132t 152f 200f

78 97

103 117 108 110 109 102 97

103

102 99

102 125 111 119f 1~9f 13st 1401-

113f

* Based on data from 16 companies for medical issues and 15 companies for nonmedical issues. t Adjusted for distribution of exposures by age within each five-year age group at issue.

STANDARD O R D I N A R Y I N S U R A N C E

TABLE 9 - - C o n t i n u e d

13

POLICY YEARS

AgE GROUP AT ISSUE ]

1-2 3-5 6-10 11-15 1-15

Male Experience Ratios of Nonmedical to Medical Mortality Ratios

10-14 . . . . 15-19 . . . . 20-24 . . . . 25-29 . . . . 30-34 . . . . 35-39 . . . . 4 0 - 4 4 . . . .

45--49 . . . . 50 and o r e

10-14 . . . . . 15-19 . . . . . 20-24 . . . . . 25-29 . . . . . 30-34 . . . . . 35-39 . . . . . 40--44 . . . . . 45-49 . . . . . 50 and ove~

81% 127 130 108 116 110t 128t 134t 183t

so% 127 109 103 107 122t 143t l 1 3 t 138t

114% 92

102 113 114 n5t 128t 140t l 1 7 t

103% 99

100 99

105 102t 114t 109t 130t

Female Experience Ratios of Nonmedical to Medical Mortality Ratios

118% 131 134 129 111 155t 132t 112t

180% 78

114 95

148 lOlt 102t 171t 157t

266% 155

9 t 114 98 97 t

lO5t 119t 121t

83% 92 93 98 89

108t 116t 175t 2o2t

81% 113 112 107 112 n3t 126t 126t 13ot

131% 102 99

107 103 lO8t lO9t 132t 144t

Table 9 presents side by side the experience for the five-year period from 1957 to 1962 anniversaries on medical and nonmedical issues, separately for each sex. The nonmedical mortality ratios shown in this table have been adjusted approximately to reflect the distribution of nonmedical exposures by age for issue age groups 35-39 and over. For both sexes nonmedical mortality is generally higher than medical mortality.

EXPERIENCE BY SEX DURING THE SIXTEENTH AND

SUBSEQUENT POLICY YEARS

Nine of the eighteen contributing companies submitted data separately for males and females. The experience for the period between 1957 and 1962 anniversaries is shown in Table 10. The high female mortality ratio at ages 85-89 is partly due to four large claims for a total of $450,000.

T A B L E 10

COMPARISON OF MALE AND FEMALE MORTALITY EXPERIENCE* STANDARD ISSUES DURING SIXTEENTH AND SUBSEQUENT POLICY YEARS

EXPERIENCE BETWEEN 1957 AND 1962 ANNIVERSARIES BY ATTAINED AGE

ALL POLICY YEARS COMBINED Expected Dea ths on 1955-60 Male Ult imate Basic Table

and 1955-60 Female Ult imate Basic Table (Amounts Shown in $1,000 Units)

• ~IORT&I,t r ' , R A T I O OF EXPOSI ;D 1'O R I S K Ac ' rCAi . DEATHS R, :TI ,~ b ' E ~ L ~ :

c \TTAINI :D } AGES I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [ 'r(~ ~IA l,[: I ; M,) r.-

j blaLe F . . . . te Male Female i Male j Female TALITY,

15 19 IS 2 0 - 2 4 . . . . . . I 25-29 . . . . . . 30-34 . . . . . 35-39 . . . . . . 40-44 . . . . . . 45-49 . . . . . . 50~54 . . . . . . 55-59 . . . . . . 60-64 . . . . . . 65-69 . . . . . . 70--74 . . . . . . 75-79 . . . . . . 80-~84 . . . . . . 85-89 . . . . . 90-95 . . . . .

Al lages . .

099,$64 560,893 311,453 202,786 542,712 219,092

1,288,153 486,4781 2,606,201 1,152,0601 5 ,144,230 1,342,002 7 ,785,296 1,329,877 9 ,511,176 1,249,720! 9 ,364,177 988,533 7,789,112 724,564 5 ,513,802 489,977 3 ,504,428 296,144 1 , 8 1 6 , 2 7 5 151,601

725,332 67,766 198,204 20,051 41,583 3,730

$56,841,998 $9,285,274

" 653 41• 582

1,603 4,388

14,658 39,639 79,435

124,135 165,18f 178,337 172,76C 132,568 7,413 I

79,4361 5,838 I 32,448 3,181

. . . . 9 ,404 676

1,035,642 $62,831

207 93.8~i'.:~: 1t~1 5rj~:: 92.3 i 9 1 . 6

... . . 91.1 90.5 . . . . . 97.7 86.4

1 ,338100 .8 190 .9 2,311 101.8 97.8 3.998J 98.2 103.8 5.4751 98.7 97.5 6,3511 99.4 96.1 7. 724] 98.5 106.5 8,2491 98.3 100.0 9,4361 99.7 98.2

99 .0 9 9 . 4 98.7 110.8 94.9 123.1 88,4 80.6 ]

I

3 2 7 5 6 5 68.3 69.7 62.1 59 .9 52 .9 48 .7 50 .4 52 .2 64 .7 66 .9 77.9 97 .4 78.7

59 4%

* Based on data from 9 companies. t Female mortality ratios calculated on 1955 60 MMe Ultimate Basic Table.

14

A P P E N D I X

T A B L E A

C O N T R I B U T I N G C O M P A N I E S

P R O P O R T I O N O F T O T A L E X P O S U R E S C O N T R I B U T E D B Y E A C H

FIRST FIFTEEN PoucY YEARS

COMPANY

M e d i - cal

I s sues

P r u d e n t i a l . . . . . . . . . . . . . . 2 0 . 2 %

N o n - med i -

cal I s sues

3 6 . 6 % M e t r o p o l i t a n . . . . . . . . . . . . N e w Y o r k Li fe . . . . . . . . . . . E q u i t a b l e , N . Y . . . . . . . . . . . N o r t h w e s t e r n M u t u a l . . . . . M a s s a c h u s e t t s M u t u a l . . . . J o h n H a n c o c k . . . . . . . . . N e w E n g l a n d Li fe . . . . . . . M u t u a l B e n e f i t . . . . . . . . . . T r a v e l e r s . . . . . . . . . . . . . . . . M u t u a l L i fe , N . Y . . . . . . . . . C o n n e c t i c u t M u t u a l . . . . . . P e n n M u t u a l . . . . . . . . . . . . A e t n a . . . . . . . . . . . . . . . . . . . L i n c o l n N a t i o n a l . . . . . . . . C o n n e c t i c u t Genera l . . . . . . S u n Life C a n a d a . . . . . . . . P rov d e n t M u t u a l . . . .

T o t a l . . . . . . . . . . . . . . .

16 .5 2 4 . 7 1 0 .8 9 5

8 5 5 . 7 7 .1 . . . . . . . 4 . 7 2 . 1 4 3 5 . 7 3 8 1 .5 ,3 4 1 0 3 . 3 1 .6 3 0 2 9 2 9 1 .7 2 . 7 1 .7 2 . 4 1 .0 2 . 0 1 .4 1 .9 .2 1 .3 2 . 1 1 .2 .6

1 0 0 0 % 1 0 O .0 %

S i x - [ TEENTHi

O~rmcr I PoLIcY I YEARS ]

16o%' 2 4 . 0 1 1 .3

8 . 0 7 . 0 3 2 4 8 1 9 2 5 3 5 5 .1 1.8 2 . 9 2 .1 1 .9

.7 1 . 8 1 .5

lOO.O%

FIRST FIFTEEN POLICY YEARS BY SEX

M e d i c a l I s sues

M a l e F e m a l e

2 0 . 9 ~ 1 . 3 % 13.2 .7 1 0 .8 1 .0

8 . 8 .5 7 .1 .7 4 . 8 .3 4 , 3 ,3 3 . 8 .3

3 . 0 .2 2 . 9 .2 2 . 8 .2 2 . 4 .2 2 1 .1 1 9 .2 1 .3 ,1

N o n m e d i c a l J.ssues

M a l e F e m a l e M a l e F e m a

3 2 8 % 5 . 1 % 2 8 . 6 % 2 0 2 2 . 8

8 .2 1 .8 i 4 1 S ; J i 2 5 1 .8 . . . . . . . . . . . . .

. . . . . . . . . . . . 1 4 2 ] 1 0 1 9 .3 . . . . . . . . . . 4 . 5 1 .4 8 1 2 3 1 .4 .3 . . . . . . . . . . . .

2 . 5 ,6 . . . . . . . . . . . . 1 .6 .2 . . . . . . . . . . . . 1 .5 .3 . . . . . . . . . . . .

.8 .2 3 9 .6 1 3 .2 3 . 5 ,6

2 : .1 1 5 .2 I 8 : .4 3 6 .4

SIXTEENTH AND SUBSE-

QUENT PO~CY YEARS BY SEX

F e m a l e

6 . l %

. . . . . . . . . . . . . . . . . . . . . [ . . . . . . . . . . . . . . . . . . . . .

9 3 . 5 % 6 . 5 % 8 5 3 % ] 1 4 . 7 % 8 5 . 1 % 1 4 9 ~

15

TABLE B

STANDARD i~{EDICALLY EXAMINED ISSUES OF 1947 TO 1961 EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES

BY YEAR OF ISSUE AND AGE AT ISSUE Expected Deaths on 1955-60 Male and Female Combined Select Basic Table

(Amounts Shown in $1,OO0 Units)

Issue Year (Policy Ages at Exposed Actual Expected Mortality

Issue to Risk Deaths Deaths Ratio Year)

1947 . . . . . . (15)

1948 . . . . . (14)

1949 . . . . . (13)

10-14 15-19 20-24 25-29 3O-34 35-39 40-44 45-49 50-54 55-59

65 -69 70 and over

I All ages ]

10 14 15-19 20-24 25-29 30-34 35-39 40-44 45--49 50-54 55 59 60-64 65 69 70 and over

All ages

10 14 15-19 2(~24 25-29 30-34 35-39 40-44 4549 50-54 55-59 6O-64 65-69 70 and over

All ages

$ 62,131 127,904 277,826 465,357 625,840 612,808 464,88O 250,444 110,694 39,165

8,672 1,375

52

$ 3,047,148

$ 45,425 99,749

246,847 431,480 550,944 514,686 402,854 225,668 102,969 36,091 10,284 1,556

43

$ 2,668,596

$ 43 609 98 581

269 037 477 245 574 956 547 993 416 579 233 320 109 730 39 989 9 953 1 859

66

$ 2,822,917

$ 90 107 50O 993

2,381 4,323 5,374 4,015 2,533 1,651

377 303

9

$22,656

$ 37 99

361 1,162 1,801 3,101 3,633 3,331 2,172 1,271

514 106

6

$17,594

$ 25 92

306 836

2,005 2,619 3,534 3,083 2,290 1,001

379 123

6

$16,299

$ 62 129 378

1,089 2,616 4,351 4,909 4,330 2,761 1,496

447 loo

8

$22,676

$ 44 99

311 915

2,061 3,181 3,924 3,448 2,309 I, 246

493 104

6

$18,141

$ 41 97

312 916

1,909 2,981 3,624 3,124 2,163 1,212

442 117

8

$16,946

145% 83

132 91 91 99

109 93 92

110 84

303 113

100%

84% I00 116 127 87 97 93 97 94

102 104 102 100

97%

61% 95 98 91

105 88 98 99

106 83 86

105 75

96%

16

TABLE B--Continued



1950 . . . . . (12)

1951 . . . . . (11)

1952 . . . . . (10)

1953 . . . . . (09)

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45-49 50-54 55-59 6O-64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45---49 50-54 55--59 60-64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45--49 50-54 55-59 6O--64 65-69 70 and over

$ 47,029 119,980 317,059 584,582 706,260 641,801 468,094 273,030 134,557 49,205 11,807 2,188

49

$ 3,355,641

$ 40,667 86,169

198,912 466,913 623,459 627,898 502,982 309,247 154,037 60,158 16,309 3,905

164

$ 3,090,820

$ 43,118 81,315

200,642 531,357 726,807 736,524 579,704 362,229 171,065

78,030 22,719 4,389

276

$ 41 75

271 793

2,093 3,023 3,296 2,860 2,246 1,664

357 174

10

$16,903

$ 89 260 164 768

1,484 2,570 3,713 3,680 2,500 1,204

614 124

18

$17,188

$ 28 34

155 638

1,496 2,799 3,135 2,964 2,339 1,958

619 375

12

$ 44 115 339

1,000 2,076 3,138 3,590 3,145 2,305 1,319

472 127

6

$17,676

$ 37 82

197 696

1,633 2,738 3,440 3,123 2,344 1,397

559 199

16

$16,461

$ 40 76

185 696

1,664 2,814 3,501 3,271 2,373 1,574

669 188 24

93% 65 80 79

101 96 92 91 97

126 76

137 167

96%

241% 317

83 110 91 94

108 118 107 86

110 62

113

i 104%

7O% 45 84 92 9O 99 9O 91 99

124 93

199 50

All ages $ 3,538,175 $16,552 $17,075 97%

$ 34 132 251 735

1,701 3,379 3,386 3,034 2,998 2,134

848 182

7

$ 46,858 95,696

227,556 639,243 864,694 868,250 673,739 426,777 211,741

91,238 30,247

5,247 325

10-14 15-19 20-24 25-29 30-34 35-39 4O-44 45-49 50-54 55-59 60--64 65-69 70 and over

$ 42 89

198 748

1,721 2,891 3,631 3,504 2,655 1,616

777 190 25

81% 148 127 98 99

117 93 87

113 132 109 96 28

All ages $ 4,181,611 $18,821 $18,087 104%

17

TABLE B--Continued

Issue Year (Policy Year)

1954 . . . . . (O8)

1955 . . . . {,07)

1956 . . . . . (06)

1957 . . . . . (05)

Ages at Issue

10-14 15-19 20-24 25-29 30-34 35-39 40-44 4549 50-54 55-59 6O-64 65--~ 70 and over

All ages

10-14 t5 10 20 24

30-34 35 39 40 4~ 45-49 50-54 55-59 60 64 65- 69 70 and over

Exposed to Risk

64,997 117,462 308,068 790,30O

1,085,988 1,010,463

793,574 488,046 252,798 112,343 37,673

9,276 745

5,071,733

$ 79,065 148,842 453,871

!,o22,795 1,385,970 1,292,012 1,002,098

618,772 32,{,256 148,152 52,749 11,670

1,156

Actual Deaths

$ 86 95

30O 911

1,715 2,916 4,090 3,810 3,342 1,610

640 168 49

$19,732

$ 26 137 280 821

2,156 3,831 4,001 3,706 3,183 1,967

717 21l

29

Expected Deaths

$ 56 108 253 822

1,846 2,961 3,833 3,685 2,922 1,842

854 292

48

$19,522

$ 65 137 363 !)7 ?

2,010 3,3~o 4,309 4,245 3,470 2,252 1,071

339 62

Mortality Ratio

154% 88

119 111 93 98

107 103 114 87 75 58

102

lO1%

40% 100 8O M

107

93 87 92 87 67 62 47

All ages $ 6,541,408 $21,074 $22,654 93%

$ 68 144 497 932

1,860 2,673 4,231 3,389 2,704 2,267

618 223

58

$19,664

$ 16 161 5O3 959

2,363 3,704 4,123 3,572 2,550 2,684

917 222

21

$21,795

$ 83,060 164,992 562,070

1,133,270 1,511,317 1,443,206 1,135,286

675,559 348,133 147,564 53,116 11,313

1,029

$ 7,269,915

$ 73,686 181,053 774,969

1,414,048 1,965,927 1,811,351 1,322,597

710,772 361,451 152,689 50,872 15,148

1,157

$ 8,835,720

$ 62 150 444 975

1,904 3,233 4,201 3,857 3,081 1,867

977 295 45

110% 96

112 96 98 83

101 88 88

121 63 76

129

$21,091 93%

$ 49 165 604

1,174 2,202 3,568 4,166 3,490 2,671 1,675

866 343

42

10-14 15-19 20-24 25-29 30 34 35 39 40-44 45 49 50-54 55-59 60--64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30--34 35-39 40--44 45-49 50-54 55-59 6O-64 65-69 70 and over

All ages $21,015

33% 98 83 82

107 104 99

102 95

160 106

65 50

104%

18

1958 . . . . . (O4)

Ages at Issue

1959 . . . . . (03)

All ages

1960 . . . . . (02)

1961 . . . . . (01)

Exposed to Risk

10-14 15-19 20 24 25-29 30-34 35 39 40-44 45--49 50-54 55-59 60-64 65-69 70 and over

$ 9,568,536

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55 59 (6O-64 65-69 70 and over

Actual Deaths

66,192 187,965 774,147

1,431,233 2,093,068 2,023,735 1,466,443

826,810 434,189 188,001 59,611 15,618

1,524

$22,579

$ 40

All ages $10,672,502 $12,333

19

10-14 15-19 20-24 25-29 30-34 35-39 4O--44 45--49 50-54 55-59 60-64 65-69 70 and over

All ages $ 9,557,059 $15,088 $15,920

10-14 15-19 20-24 25 29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70 and over

$ 63,434 187,506 634,596

1,225,187 1,962,827 2,096,649 1,580,514

980,666 500,728 225,710 77,012 19,898 2,332

$ 59,438 207,178 740,406

1,345,504 2,140,642 2,314,500 1,818,068 1,101,226

584,453 255,466

77,833 23,734 4,054

All ages $10,273,956 $20,497 $20,850

$21,656

$ 52 197 445

1,294 2,043 3,737 4,067 3,369 2,644 1,595

774 251

29

$ 16 156 556 743

2,259 2,167 2,258 2,933 2,475 1,097

278 143

7

$ 50 154 300

1,168 1,031 2,008 2,440 2,480 1,384

980 195 100 43


$ 48

TABLE B--Continued

$ 30

$ 21

Expected Mortality Deaths Ratio

420% 169 44 6O4 89

1,188 115 2,135 104 3,481 108 4,194 109 3,688 78 2,996 123 1,895 120

927 71 296 108 43 77

104%

lO8% 193 102 615 72

1,166 111 1,956 104 3,232 116 3,916 104 3,723 90 2,923 90 1,841 87

864 90 322 78 51 57

98%

53% 154 101 432 129 796 93

1,433 158 2,453 88 3,098 73 2,873 102 2,238 111 1,413 78

704 39 253 57 43 16

95%

238% 155 99 489 61 700 167

1,306 79 2,106 95 2,636 93 2,324 107 1,724 80 1,078 91

488 40 213 47 53 81

$13,293 93%

$ 86,941 224,478 798,471

1,456,884 2,126,474 2,198,623 1,598,221

982,348 495,357 214,595 69,096 20,287 2,181

$ 168 74

539 1,369 2,222 3,768 4,566 2,887 3,695 2,277

662 319

33

TABLE C

STANDARD NONMEDICAL ISSUES OF 1947 TO 1961 EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES

BY YEAR OF ISSUE AND AGE AT ISSUE Expected Deaths on 1955-60 Male and Female Combined Select Basic Table


Issue Year (.Policy Ages at Exposed Ac tua l E x p e c t e d Mortality


$ 1947 . . . . . . (15)

1948 . . . . (14)

1949 . . . . (13)

1950 . . . . . (12)

1951 . . . . . (11)

10 14 15-19 20---24 25-29 30-34 35-39 40-44 45-49 50 and over

36,723 113,832 179,589 144,365 93,317 63,462 23,270

2,695 425

$ 42 118 290 312 411 479 243 40

7

$ 36 115 244 338 390 451 246

47 11

All ages $ 657,678 S 1,942 $ 1,878

117% 103 119 92

105 106 99 85 64

1o3%

10 .-14 15-10 20-24 25-29 30-.34 35 30 4 044 45.-49 50 and over

All ages

40-44

$ 33,598

! 5 0 , 5 9 0

$ 563,843

10 14 $ 37,178 15-19 101,655 2 0 - 2 4 168,122 25 29 134,228 30-34 86,172 35-39 56,227

22,411 45-49 2,658 50 and o v e r 402

All ages $ 609,053

$ 46 $ 33 139% 99,005 99 ! 9~ 1131

157,726 22~ 10o 11 123,026 265 261 1(12

76,237 315 285 l l l 3(92 313 *~¢~

20,809 2(i)5 203 1Ol 2 491 30 38 79

361 17 9 189

S 1,504 $ 1,43!) ] 105~j i

i

S 35 120% 100 112 195 107 258 92 286 110 306 99 195 106 36 128

S 263

42 112 209 237 314 303 207 46 21

8 1,491 $ 1,419 105%

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45-49 50 and over

$ 44,661 127,832 201,101 169,942 113,791 66,253 25,960

2,886 449

$ 33 $ 42 114 123 223 215 311 291 351 335 306 324 226 199 48 33 19 8

79% 93

104 107 105 94

114 145 238

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45--49 50 and over

All ages

$ 752,875

$ 57,340 164,906 256,268 285,048 210,595 110,911 38,724

8,523 1,245

$ 1,133,560

$ 1,63l

S 63 128 287 390 536 414 300 98 22

$ 2,238

s 1,570

S 53 157 254 425 552 484 265

86 21

$ 2,297

104%

119% 82

113 92 97 86

113 114 105

97%

20

TABLE C--Continued


1952. 30)

1953. . :09)

1954. ',08)

1955. 107)

1956. .. 106)

Ages at Issue

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45---49 50 and over

Exposed to Risk

$ 66,640 179,975 274,611 341,826 249,155 125,787 40,737 8,314 1,398

Actual Deaths

$ 99 149 185 510 499 467 335

97 11

Expected Deaths

61 169 253 448 571 481 246

75 20

Mortality Ratio

162% 88 73

114 87 97

136 129 55

All ages $ 1,288,443 $ 2,352 $ 2,324 101%

$ 85,064 228,453 311,720 403,016 299,958 139,431 38,152 8,202 1,301

$ 1,515,297

$ 94,119 229,256 342,670 399,277 302,534 136,877 28,852 2,937

688

$ 1,537,210

10-14 15-19 20-24 25-29 30-34 35 39 40-44 45--49 50 and over

All ages

$ 76 181 293 511 586 502 221

74 12

$ 2,456

123 196 309 399 572 499 129 21 15

$ 2,263

$ 88 244 267 377 670 403 130

4 12

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

$ 77 212 271 472 597 464 206 67 17

$ 2,383

$ 81 211 281 415 514 401 139 22 8

$ 2,072

$ 98 260 337 404 467 383 116 17 9

10-14 15 19 20-24 25-29 30-34 35-39 4O-44 45--49 50 and over

$ 119,223 282,398 420,812 424,790 321,761 147,160 26,973

2,486 735

99% 85

108 108 98

108 107 110 71

103%

152% 93

110 96

11l 124 93 95

188

109%

90% 94 79 93

143 105 112 24

133

All ages $ 1,746,338 $ 2,195 $ 2,091 105%

$ 94 293 468 578 692 646 172 16 7

10--14 15-19 20-24 25-29 30-34 35-39 4O-44 45--49 50 and over

All ages

$ 125,584 322,324 592,265 671,671 549,211 288,289 46,374

2,741 797

$ 73 323 439 667 850 695 181 18 6

$ 3,252 $ 2,599,256 $ 2,966

78% 110 94

115 123 108 105 113 86

11o%

21 RUSH~©RE MUTUAL LIFE

LIBRARY

TABLE C--Continued

Issue Year Ages at Exposed Actual Expected Mor t a l i t y (Policy Issue to Risk Deaths Deaths Rat io Year)

1957 . . . . . (05)

1958 . . . . . (04)

1959 . . . . . . (03)

1960 . . . . . . (02)

1961 . . . . . (01)

10-14 15 19 2(~24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

$ 145,051 867,864

1,175,110 1,224,983

865,790 423,754

68,326 2,986

762

$ 4,474,626

10 14 $ 176,632 15-19 735,021 20-24 1,346,672 25-29 1,228,868 30-34 i 758,145

,339 5 ~ 35-39 i ' - - 40 ~1 56,383 45.-40 i 3,066 50 and overl 754

$ 63 $ 97 583 517 863 917

1,031 1,017 1,037 970

974 835 235 215

17 15 1 7

$ 4,804 8 4,590

$ 73 $ 106 826 662

1,115 1,050 1,007 1,020

761 773 7S6 584 !!)I !6! 2,I 14

8 6 . . . . . . . . . . I . . . . . . . . . .

Al]ages ] $ 4,645,063 $ 4,70l S 4,376

10-14 15-19 20-24 25-29 30-34 35--39 40 44 45--49 50 and over

$ 196,754 966,588

1,491,860 1,228,488

725,928 318,733 49,564

3,069 912

$ 73 1,156 1,038

953 776 580

81 6

30

8 108

65% 113 94

101 107 117 109 113

14

105%

69% 125 106 09 OS

135

171 133

68% 831 139

1,149 90 983 97 668 116 469 124 121 67

12 50 7 429

All ages $ 7,208,747 $ 5,100 $ 4,679 109%

22

$ 238,04l 1,457,834 2,272,912 1,805,614

952,265 407,583

70,480 3,218

800

10-14 15-19 20 24 25-29 30 34 35-39 40-44 45--49 50 and over

$ 41 999

1,161 960 715 354

82 17 2

$ 4,331

$ 76 1,053 1,756

908 776 447

74 10 0

All ages

$ 99 929

1,122 9(~ 555 391 116 10 6

$ 4,137

$ 83 1,093 1,500

939 581 371 102

7 3

$ 5,550,268

211,000 1,132,955 1,649,585 1,398,170

760,767 334,071

59,193 3,412 1,115

10-14 $ 15-19 20-24 25 29 30-34 35-39 40-44 45-49 50 and over

41% 108 103 106 129 9l 71

170 33

105%

92% 96

117 97

134 120

73 143

0

All ages $ 4,981,896 8 4,693 $ 4,348 108%

TABLE D

STANDARD MEDICALLY EXAMINED ISSUES OF 1947 TO 1961 MALE LIVES

EXPERIENCE BETWEEN 1961 AND 1962 ANNIVERSARIES BY YEAR OF ISSUE AND AGE AT ISSUE

Expected Deaths on 1955-60 Male Select Basic Table (Amounts Shown in $I,000 Units)



1947 . . . . . . (15)

1948 . . . . . . (14)

1949 . . . . . . (13)

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70 and over

$ 37,013 63,257

124,258 265,975 409,537 420,347 330,224 180,000 81,437 29,036

5,918 1,040

31

$ 52 51

272 511

1,515 2,966 3,753 3,005 1,893 1,337

233 255

8

$ 45 77

189 652

1,867 3,052 3,517 3,208 2,042 1,121

308 77 5

116% 66

144 78 81 97

107 94 93

119 76

331 160

All ages $ 1,948,073 $15,851 $16,160 98%

$ $ 25 52

193 616

1,105 2,243 2,612 2,409 1,679

966 388

82 3

$ 30,396 48,986

122,525 261,805 366,395 353,076 285,222 161,571 74,064 24,673

7,030 1,091

35

36 56

173 573

1,447 2,196 2,787 2,537 1,695

860 347

74 5

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 54 55-59 6064 65-69 70 and over

69% 93

112 108 76

102 94 95 99

112 112 111 60

All ages $ 1,736,869 $12,373 $12,786 97%

$ 33 54

173 574

1,300 2,056 2,554 2,276 1,560

880 304

75 6

$ 28,732 47,629

134,817 291,565 384,492 376,599 292,235 166,145 77,095 28,689

6,608 1,189

47

$ 21 48

174 479

1,203 1,789 2,699 2,441 1,626

681 170 97

4

10-14 15-19 20-24 25-29 30-34 35-39 40 44 45--49 50-54 55-59 60-64 65,-69 70 and over

64% 89

101 83 93 87

106 107 104 77 56

129 67

All ages $ 1,835,842 $11,432 $11,845 97%

23

TABLE D--MALE LiVES--Continued

Issue Year Ages at Exposed Actual Expected Mortality (Policy Issue to Risk Deaths Deaths Ratio Year)

1950 . . . . . . (12)

1951 ..... (11)

1952 . . . . . (10)

1953 . . . . . (09)

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45--49 50-54 55-59 60-64 65-69 70 and over

All ages

$ 32,155 65,084

171,934 372,277 483,561 450,933 332,061 197,631 96,167 35,391

7,928 1,131

31

i $ 2,246,284

$ 40 38

170 558

1,432 2,190 2,429 2,071 1,496 1,206

206 131

1

$11,968

9 36 73

199 648

1,431 2,228 2,564 2,340 1,702

963 329 66 4

S12,583

111% 52 85 86

100 98 95 89 88

125 63

198 25

95%

10 14 15 19 20 24 25-2O 30-34 35-39 40-44 45-49 50-54 55 59 60--64 65 -69 70 and over

All ages

10-14 15-19 20-24 25 29 30-34 35-39 4 0 4 t 45-49 50-54 55-59 60-64 65-69 70 and over

: $

1 I

28,689 $ 22 69~ 53,65l 191 318

126,975 105 77 ,~,~;14~ ~5(I 11o 459,737 1,100 91 457,790 1,926 96 303,632 2,521 10() 223,994 2,819 121 110,611 1,957 112 42,863 936 91 10,060 354 101 2,744 84 60

131 4 31

$ 2,214,026

$ 30,403 68,061

172,481 481,663 659,869 662,078 510,189 310,114 144,782 65,239 19,411 3,633

240

$12,569

9 22 27

140 594

1,396 2,634 2,932 2,683 1,932 1,646

545 344

12

S 32 60

I 136 :q0o

1,209 2,001 2,51o 2,339 1,752 1,024

350 140 13

912,072

32 76

174 641

,531 ,536 ,112 ,869 ,092 ,380 573 156 22

lO4%

U7 69/o 36 80 93 91

104 94 94 92

119 95

221 55

All ages $ 3,128,163 $14,907 $15,194 98%

$ 34 88

190 693

1,582 2,626 3,210 3,050 2,320 1,398

663 157 19

10.-14 15-19 20-24 25-29 3004 35-39 40.-44 45-49 50 54 55-59 60-64 65-69 70 and over

9 34 112 177 673

1,508 3,098 2,961 2,809 2,625 2,016

669 172

6

$ 33,082 81,15l

199,550 587,308 791,200 786,188 594,430 365,251 177,385 74,798 25,758 4,331

251

100% 127 93 97 95

118 92 92

113 144 101 110 32

All ages $ 3,720,683 916,860 $16,030 105%

24

TABLE D--MALE LiVES--Contlnued

Issue Year Ages at Exposed Actual Expected Mortality

(Policy Issue to Risk Deaths Deaths Ratio Year)

$ 1954 . . . . . (08)

1955 . . . . . (07)

1056 . . . . . (06)

1957 . . . . . (05)

10-14 15-19 20-24 25-29 30-34 35--39 4 0 4 4 45-49 50-54 55-59 60-64 65-69 70 and over

All ages

10-14 15-19 2 0 2 4 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70 and over

51,071 102,352 278,026 729,655 998,975 919,910 698,755 422,317 214,521

93,843 30,619

7,528 686

$ 4,548,258

$ 60,312 130,890 413,476 952,906

1,279,959 1,174,915

890,189 530,841 275,954 123,599 43,810

9,492 832

$ 86 75

298 878

1,439 2,828 3,755 3,551 3,100 1,478

601 154 49

$18,292

$ 26 129 258 762

2,048 3,466 3,695 3,329 2,941 1,807

636 194 26

$ 51 110 250 766

1,718 2,705 3,396 3,235 2,596 1,605

695 237 45

$17,409

169% 68

119 115 84

105 11l 110 119 92 86 65

109

105%

57 46% 136 95 356 72 915 83

1,869 I10 3,067 113 3,881 95 3,663 91 3,058 96 1,923 94

891 71 276 70 46 57

All ages $ 5,887,175 $19,317 $20,138 96%

$ 98% 10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55--59 60-64 65-69 70 and over

$ 58 136 476 893

1,742 2,451 3,925 2,920 2,350 1,849

525 213

57

$ 66,578 144,129 518,491

1,060,589 1,407,168 1,328,979 1,016,873

589,720 294,347 124,905 43,444

9,153 892

59 147 93 436 109 955 94

1,829 95 3,017 81 3,976 99 3,52l 83 2,790 84 1,661 111

813 65 243 88

41 139

All ages $ 6,605,268 $17,595 $19,488 90%

$ 56,300 161,987 728,225

1,337,533 1,850,871 1,679,867 1,193,581

624,928 306,449 128,047 40,798 12,159

1,041

$ 16 161 468 931

2,143 3,355 3,897 3,2¢:~ 2,400 2,487

846 213

5

10--14 15-19 20-24 25-29 30--34 35-39 40-44 45--49 50-54 55-59 60-64 65-69 70 and over

$ 46 165 612

1,164 2,091 3,343 3,963 3,262 2,424 1,479

722 298

39

35% 98 76 80

102 100 98

100 99

168 117

71 13

All ages $ 8,121,786 $20,182 $19,608 103%

25

TABLE D--MALE LivEs--Continued



1958 . . . . . . (04)

1959 . . . . . ( 03 )

1960 . . . . . (02)

1961 . . . . . . (01)

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45--,49 50-54 55-59 6O-64 65-69 70 and over

All ages

$ 48,267 165,751 718,668

1,339,666 1,939,854 1,851,602 1,303,575

714,121 363,141 155,252 46,801 12,190

1,226

$ 8,660,114

10 14 $ 65,107 15-19 199,768 20-24 737,557 25-29 1,34~,233 30-34 1,956,050 ,35-3~ 1,992,659 40-44 ~ 1,407,235 45-49 836,346 50-54 414,510 55-59 176,881 60-64 55,522 65-69 15,428 70 and over 1,700

$ 68 67

524 1,185 2,167 3,375 3,970 2,605 3,335 1,940

643 283

20

$20,182

S 50 185 406 924

1,927 3,514 3,336 2,982 2,282 1,478

480 208

21

$ 35 167 604

1,139 2,017 3,222 3,859 3,256 2,618 1,630

765 260

36

$19,608

$ 42 202 597

1,092 1,819 2,989 3,504 3,195 2,541 1,542

728 279 41

194% 40 87

104 107 105 103 80

127 119 84

109 56

103%

119% 92 68 ~5

106 118 95 93 90 06 66 75 51

All ages $ 9,206,996 $17,793 518,571 96%

8 15 150 534 678

1,700 2,048 1,989 2,502 2,305

941 272

95 3

8 25 153 429 738

1,363 2,227 2,809 2,478 1,921 1,167

580 223

30

$ 47,293 162,821 572,243

1,118,536 1,793,535 1,887,547 1,377,054

834,300 419,492 184,076 60,642 15,673

1,560

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50--54 55-59 60-64 65-69 70 and over

60% 98

124 92

125 92 71

101 120 81 47 43 10

All ages $ 8,474,772 $13,232 $14,143 94%

$ 20 145 469 649

1,209 1,912 2,401 2,011 1,565

902 420 187 45

$ 45,120 181,205 670,428

1,225,025 1,949,800 2,078,451 1,579,705

935,183 484,492 207,931

62,578 18,395 3,049

8 50 124 286

1,107 948

1,889 2,298 1,761 1,192

829 174

76 30

10 14 15-19 20--24 25-29 30-34 35-39 4O-44 45-49 50-54 55-59 60-64 65-69 70 and over

250% 86 61

171 78 99 96 88 76 92 41 41 67

All ages 8 9,441,362 810,764 811,935 90%

26

TABLE D--Continued

STANDARD MEDICALLY EXAMINED ISSUES OF 1947 TO 1961 FEMALE LIVES


Expected Deaths on 1955-60 Female Select Basic Table (Amounts Shown in $1,000 Units)


1947 . . . . . . (15)

1948 . . . . . (14)

1949 . . . . . (13)

Ages at Issue

10-14 15-19 20-24 25-29 30-34 35-39 4O-44 45---.49 50-54 55-59 60--64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 4O-44 45--49 50-54 55-59 60-64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45--49 50-54 55-59 6O-64 65-69 70 and over

All ages

Exposed to Risk

9,622 11,478 21,629 21,691 23,876 27,537 25,551 17,689 7,592 2,957

845 110

1

170,578

7,684 9,544

17,357 17,013 19,905 21,607 22,771 15,463 7,951 3,321

994 192

3

143,805

7,260 8,291

16,435 18,041 20,819 22,794 26,037 17,528 9,717 3,347 1,069

219 4

151,561

Actual Deaths

$ 6 7

17 68 82

100 198 69

119 117 38

3 0

$ 824

$ 1 1

15 50 63 51 89 66 26 56 14 5 1

$ 438

$ 0 7 7

48 15 41 74 60

204 31 39

1 2

$ 529

Expected Deaths

$ 5 7

22 30 63 88

148 157 101 60 23 4 0

$ 708

$ 3 5

16 21 47 63

120 117 93 61 24

7 0

$ 577

$ 3 4

13 20 45 65

121 121 I00 56 24

7 0

$ 579

Mortality Ratio

120% 100 77

227 130 114 134 44

118 195 165 75

116%

33% 20 94

238 134 81 74 56 28 92 58 71

76%

0% 175 54

240 33 63 61 50

204 55

163 14

91%

27

TABLE D--FEMALE LiVES--Continued


1950 . . . . . . (12)

1951 . . . . . . (11)

1952 . . . . . . (10)

1953 . . . . . . (O9)

Ages at Issue

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70 and over

All ages

10-14 15....19 20-24 25-29 30-34 35-39 4O-44 45-.49 50-54 55-59 60-64 65-69 70 and over

Exposed to Risk

7,199 7,935

14,450 18,495 21,397 22,729 26,553 18,817 11,498 4,930 1,206

437 0

155,646

Actual _. Deaths

$ o 0 3 9

52 118 130 175 105 102 51 33 0

$ 778

6,534 S 37 7,705 2

14,336 9 17,021 25 21,374 27 24,380 94 30.158 329 22,102 S~ 11,752 4¢) 6,027 96 2,114 33

238 9

0 10

Expected Dea th s

$ 3 4

11 18 42 62

106 114 102 70 24 14 0

S 570

$ 3 4

10 16 3s 64

113 t24 92 75 37

7 1

Mor ta l i t y Ra t io

o% 0

27 5O

124 190 123 154 103 146 213 236

136%

1233% 50 90

156 71

147 291

71 43

128 89 0

1000

All ages $ 163,750 $ 790 $ 584 135%

$ $ 10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 6064 65-69 70 and over

8,603 8,359

16,752 23,100 30,233 35,326 41,478 31,825 16,959 7,591 2,162

461 35

1 7

15 34 49 89

119 226 189 105 39

6 0

$ 3 4

11 19 49 87

146 165 113

7S 34 13 2

33% 175 136 179 100 102 82

137 167 135 115 46 0

AI1 ages $ 222,884 $ 879 $ 724 121%

$ $ 8,444 9,494

17,528 23,293 33,148 40,790 48,537 39,722 22,866 I0,842 3,157

634 73

$ 3 4

11 18 48 93

160 188 145 96 47 16 3

$ 832 $ 258,528

0 10 65 23

154 93

119 94

130 90 79 10

1

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45--49 50-54 55-59 6O-64 65-69 70 and over

All ages $ 868

0% 250 591 128 321 100 74 50 90 94

168 63 33

104%

28

TABLE D--FEMALE LiVEs--Continued

Issue Year Ages ~t Exposed Actual Expected Mortality

(Policy Issue to Risk Deaths Deaths Ratio Year)

$ 1954 . . . . . (08)

1955 . . . . . (07)

1956 . . . . . (06)

1957 . . . . . (05)

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45--49 50-54 55-59 60-64 65-69 70 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40--44 45--49 50-54 55-59 6O-64 65-69 70 and over

All ages

10-14 15-19 20 24 25-29 30-34 35-39 40-44 45--49 50-54 55-59 60-64 65-69 70 and over

9,221 10,777 19,284 30,052 44,083 47,426 61,571 45,144 27,213 13,363 5,198 1,429

59

$ 314,820

11,643 13,193 23,795 34,940 51,623 65,829 73,216 60,673 33,603 18,123 6,983 1,854

308

395,783

11,152 15,200 23,931 31,357 46,998 57,523 73,204 58,043 36,639 16,198 6,457 1,774

117

$ 0 5 2

28 27 61

172 215 227 98 30 11 0

$ 876

$ 0 0 1

28 68 73

250 285 202 140 29 11 3

$ 1,090

$ 0 2

21 19 70 61

102 103 289 302

28 10

1

$ 3 5

12 21 58

100 188 195 157 105

72 32

2

$ 950

$ 4 5

14 23 61

126 206 240 179 132 89 38 10

$ 1,127

$ 3 6

13 19 49 92

184 202 167 105 74 32

3

0% 100

17 133 47 61 91

110 145 93 42 34

0

92%

0% 0 7

122 111 58

121 119 113 106 33 29 30

97%

0% 33

162 100 143 66 55 51

173 288 38 31 33

All ages $ 378,593 $ 1,008 $ 949 106%

$ $ 0 0

10 9

20 106 105 125 85 90 37 9

16

$ 3 5

12 18 50 97

180 175 155 101 67 38 2

$ 903 $ 612

10,850 13,345 22,464 30,806 53,250 69,115 81,723 57,454 38,319 16,820 6,562 2,361

80

10-14 15-19 20--24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70 and over

$ 403,149 All ages

0% 0

83 50 40

109 58 71 55 89 55 24

800

68%

29

T A B L E D--FEMALE LiVEs--Continued



1958 . . . . . . (04)

1959 . . . . . . (03:1

1960 . . . . . . (02)

1961 . . . . . . (01)

10-14 15-10 20 24 25 29 30-34 35-39 40-44 45--49 50-54 55-59 60-64 65--69 70 and over!

$ 9,542 15,181 27,541 36,320 63,169 80,098 94,292 71,903 45,709 21,631

8,545 2,238

271

$ 0 8 5

41 25 88

243 257 171 184

19 36

3

S 2 5

14 19 54

100 184 192 161 118

76 30

4

o% 160 36

216 46 88

132 134 106 156

25 120

75

All ages i 8 476,440 8 1,08{} P~ 959 ] 113~;~: . . . . . . . . . . . . . . . . . . . . . , . . . . . . . i . . . . . . . . .

10 1 4 15 10 20-24 2S 29 30 34 35 39 4(} 4.4 45-49 50-54 55 5!} 60-(64 65-69 70 and over

8 $ 13,373 18,173 30,024 41 ,(}7{} 73,372 99,067

I10,987 90,367 52,415 25,286 10,36l 3 ,900

344

0 12 1{) 45 75 83

306 281

80 85

253 33

8

S 3 ~ 07 0 /o 6 200

14 7l 2{:) 22,5 55 130

100 83 17~ 176 200 130 149 58 116 73

75 337 40 83

4 200

All ages $ 568,739 S 1,277 S 96'2 133~,

$ 8 1 4 3 5

45 58

166 238 135 46

4 48

4

11,240 18,070 31,608 37,962 71,616

108,650 130,656 97,007 56,904 29,808 12,202 3,390

653

10 14 15-19 20-24 25-29 30-34 35-39 40 .-44 45-49 50-54 55-59 60-64 65 69 70 and over

S 2 5

12 15 42 83

148 153 114 98 61 27

7

50% 80 25 33

107 70

112 156 118 47

7 178

57

All ages $ 609,766 $ 757 $ 767 99%

$ 10,717 21,205 39,214 47,196 84,205

129,313 153,889 114,177 68,477 33,842 11,999 4,633

9O3

$ 0 5

15 13 56 59

104 615 135

51 10 2 3

$ 1 4

12 15 38 66

112 134 97 75 39 24

7

10 14 15-19 2 0 2 4 25-29 30-34 35-39 4 0 4 4 45 -.49 50-54 55-59 60.-64 65-69 70 and over

0% 125 125 87

147 89 93

459 139

68 26

8 43

All ages $ 719,770 $ 1,068 $ 624 171%

30

TABLE E--STANDARD NONMEDICAL ISSUES OF 1947 TO 1961 MALE LIVES


Expected Deaths on 1955-60 Male Select Basic Table (Amounts Shown in $1,000 Units)


1947 . . . . . . (15)

1948 . . . . . (14)

1949 . . . . . (13)

1950 . . . . . . (12)

1951 . . . . . . (1l)

Ages at Issue

10-14 15-19 20 24 25-29 30-34 35-39 40-44 4549 50 and over

Exposed to Risk

19,889 62,436

111,505 104,973 66,583 43,118 14,630 1,853

362

Actual Deaths

8 35 66

205 237 312 351 135 24 4

Expected Deaths

$ 24 76

169 257 304 313 156 33 9

Mortality Ratio

146% 87

121 92

103 112 87 73 44

All ages $ 425,349 $ 1,369 $ 1,341 102%

15,649 54,817 98,729 89,554 52,063 32,228 12,421 1,557

227

$ 18 63

139 196 206 200 121 24 6

$ 25 70

155 176 215 202 112

12 12

10-14 15-19 20-24 25-29 30-34 35-39 40-44 4549 50 and over

139% 111 112 90

104 101 93 50

200

All ages $ 357,245 $ 979 $ 973 101%

$ 18,312 57,029

109,434 100,498 61,922 36,171 13,023

1,632 273

$ 398,294

23,541 79,422

139,443 133,735 86,668 44,335 15,795

1,665 322

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

$ 22 74

152 178 246 190 113 21 10

$ 1,006

$ 21 71

176 268 260 194 146 13 19

$ 1,168

$ 34 76

162 216 271 189 114 21

4

$ 1,087

524,926 All ages

10-14 15-19 20-24 25-29 30--34 35-39 40-44 45-49 50 and over

$ 21 64

140 198 209 197 114 22 6

$ 971

$ 26 89

162 233 257 219 122 20 6

$ 1,134

$ 34 100 129 222 263 211 114 18 7

$ 1,098 All ages

30,872 89,323

120,374 148,287 99,814 48,344 16,545 1,713

299

555,571

105% 116 109 90

118 96 99 95

167

104%

81% 80

lO9 115 lOl 89

12o 65

317

103%

100% 76

126 97

103 90

100 117 57

99%

31

T A B L E E--MALE LiVES--Continued


1952 . . . . . (1o)

1953 . . . . . (09}

1954 . . . . . (08)

1955 . . . . . (07)

1956 . . . . . . (06)

Ages at Issue

10-14 15-19 20 24 25 29 30-34 35-39 4 0 4 4 45--t9 50 and over

All ages

Exposed to Risk

50,328 137,883 210,715 302,520 217,297 100,030 32,416

6,455 828

Actual Expected Deaths Deaths

$ 85 $ 53 117 154 139 213 47(1 402 441 504 388 383 293 198

92 60 9 12

$ 1,058,472 S 2,034 $ 1,979

Mortal i ty Ratio

16o% 76 65

117 88

1Ol 148 153

75

103%

10-14 [ 8 64,857 : 8 ¢}~ 8 67 97% 15 19 180,885 158 197 8{} 20 24 241,524 237 22 {} 112 25-29 356 160 ! 481 420 115 30 34 261,586 ~ 52,~ 523 : lOO 35-39 111, t53 [ 4{l-1 371 I(}9 • t0-41 29 ; 25 194 101 ! 21J 45-49 6,510 66 54 122

-A 2[ge~ -s 1 25;,3& I ~ 2716(; ~-; 218;; i{i;~; I } ' ..

10 14 15 19 20-24 25-29 30 34 35-39 40-44 45-49 50 and over

S 71,209 181,281 268,956 348,016 260,039 106,522

21,363 2,225

463

S 113 166 267 371 482 404 106

11 13

i All ages ] $ 1,260,074 $ 1,933

$ 92,040 226,748 343,868 370,230 274,214 112,739

19,863 1,624

496

10-14 15-19 20-24 25-29 30-34 35-39 40-44 48 49 50 and over

8 86 227 229 329 570 365 104

4 11

All ages $ 1,441,822 8 1,925

$ 97,766 267,172 516,096 616,752 499,013 251,055

38,313 1,871

401

$ 2 ,288,439

10-14 15-19 20-24 25-29 30-34 35 39 40-44 45-49 50 and over

All ages

$ 67 297 382 599 800 624 164

17 5

$ 2,955

' $ 70 I61% 1{}4 86 242 110 365 102 447 108 313 129 104 102

17 65 6 217

I s 1,758 11o%

$ 87 99% 236 96 296 77 355 93 400 143 294 124

87 120 11 36 6 183

8 1,772 109%

8 86 78% 273 109 434 88 558 108 649 123 57O 109 150 109

11 155 4 125

$ 2,732 108%

32

TABLE E--MALE LIVES--Contlnued


1957 . . . . . . (05)

1958 . . . . . (04)

1959.. . (03)

1960 . . . . (02)

1961 . . . . (Ol)

Ages at Issue

10-14 15-19 20-24 25-29 30-34 35 39 40-44 45-49 50 and over

All ages

10 14 15-19 20--24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

All ages

10-14 15-19 20-24 25-29 30-34 35-39 4044 45-49 50 and over

All ages

Exposed to Risk

$ 115,793 504,461

1,084,715 1,153,930

801,724 377,748 58,076

1,944 403

$ 4,098,794

$ 141,418 655,139

1,222,081 1,133,507

677,337 283,956 45,117

2,365 491

$ 4,161,411

$ 159,393 863,958

1,351,254 1,122,895

637,219 256,540 37,942

2,102 582

$ 4,431,885

$ 169,868 987,831

1,473,614 1,266,017

652,398 260,953 44,551

2,572 745

$ 4,858,549

$ 187,037 1,262,326 2,011,006 1,619,028

810,636 314,418

51,661 2,536

523

$ 6,259,171

Actual Deaths

$ 59 564 81l 985 992 925 217

4 1

$ 4,558

$ 69 814

1,066 95l 692 696 182 24 8

$ 4,502

$ 66 1,112

996 893 666 486

73 6

3O

$ 4,328

$ 38 954

1,078 895 664 289 43 16 2

$ 3,979

$ 74 1,012 1,601

843 711 396

52 7 0

$ 4,696

Expected Deaths

$ 95 515 911

1,004 906 752 193 10 4

$ 4,390

$ 103 662

1,027 963 704 494 134 11 4

$ 4,102

$ 104 873

1,095 910 593 385 94

8 5

i: $ 4,067

$ 90 929

1,105 836 496 308 91

8 4

$ 3,867

$ 84 1,010 1,408

858 503 289

79 5 2

$ 4,238

Mortality Ratio

62% 110 89 98

109 123 112 40 25

104%

67% 123 104 99 98

141 136 218 200

110%

63% 127 91 98

112 126

78 75

600

lO6%

42% lO3 98

lO7 134 94 47

200 50

lO3%

88% lOO 114 98

141 137 66

14o o

111%

33

TABLE E--Continued: STANDARD NONMEDICAL ISSUES OF 1947 TO 1961 FEMALE LIVES


Expected Dea ths on 1955-60 Female Select Basic Table (Amounts Shown in $I,00O Units)


$ 1947 . . . . . . (15)

1048 ,14)

1949 . . . . . (13)

1950 . . . . . . (12)

1951 . . . . . . (11)

10-14 15-19 20-24 25-29 30-34 35-39 4(~44 45-49 50 and over

All ages

7,757 25,908 41,970 23,620 15,139 10,849 2,506

111 20

$ 127,880

$ 4 20 46 44 44 45 17

3 0

$ 223

$ 4 15 43 32 40 35 15

1 0

$ 185

lOO% 133 107 138 110 129 113 30O

j . . . . . . .

121%

10-14 15.-..19

s 5,861 ] s o s ,~ o!~, : 18 630 q 10 90

3i ,03(} 125 16,808 ~: 181 11 , 506 i 9 . 8,638 132 2,423 138

199 100 18 ~-

20-.2,i 25-29 30-34 35-39 40.44 45-49 50 and over

,~5 2;'q 38 21 26 27 38 25 18 13 2 2 0 0

All ages $ 95,212 129%

$ 6,170 17,653 30,294 16,696 12,024 9,589 2,741

180 30

10-14 15-19 20 24 25-29 30-34 35 39 40-44 45-49 50 and over

0% 111 92 72

131 I00

85 60o

All ages I $ 95,377 102%

10-14 15-19 20--24 25-29 30-34 35-39 40-44 4 5 4 9 50 and over

All ages

$ 7,403 18,197 31,809 19,187 13,916 10,936 3,399

191 45

$ 105,083

$ 8,559 19,919 33,355 19,896 15,560 12,505 3,677

423 74

$ 113,968

10--14 15-19 20-24 25-29 30-34 35-39 40--44 45--49 50 and over

$ 166 $ 129

$ 0 $ 3 10 9 22 24 13 18 34 26 27 27 11 13

6 1 0 0

$ 123 $ 121

$ 4 $ 3 14 9 20 24 13 19 35 27 35 30 10 14

2 1 0 0

$ 133 $ 127

$ 5 $ 3 11 9 37 23 17 18 24 28 57 33 17 14

2 2 1 1

$ 171 $ 131 All ages

133% 156 83 68

130 117

71 200

105%

167% 122 161 94 86

173 121 100 100

131%

34

TABLE E--FEMALE LiVES--Continued


8 1952 . . . . . . (10)

1953 . . . . . (09)

1954 . . . . . (08)

1955 . . . . . (07)

1956 . . . . . (06)

10-14 15-19 20-24 25 29 30 34 35-39 40-44 45-49 50 and over

All ages

10-14 15-19 20-24 25 29 30 34 35 39 40-44 45.49 50 and over

All ages

10-14

15,943 40,567 61,374 36,344 29,045 24,275

7,685 1,424

154

$ 216,811

19,593 44,854 64,636 39,836 33,289 26,248

7,837 1,423

174

237,890

22,037

$ 14 33 43 40 58 73 32

S 6 18 40 31 47 59 27

5 7 2 1

300 $ 236

11 $ 7 21 20 31 40 29 31 63 49 90 6O 27 26

8 7 0 1

280 $ 241

10 $ 8

233% 183 108 129 123 124 119

71 200

127%

157% 105 78 94

129 150 104 114

0

116%

125% 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over

44,647 65,419 41,093 35,273 27,705

6,879 597 113

27 40 23 58 69 18 4 2

19 39 29 47 58 21 3 1

142 103 79

123 119 86

133 200

All ages $ 243,763

$ 10 14 15--19 20-24 25 29 30-34 35-39 40-44 45-49 50 and over

All ages $

10-14 $ 15 19 20-24 25-29 3O-34 35-39 40-44 45 49 50 and over

All ages $

26,550 52,404 69,765 45,210 39,254 31,094 6,491

496 97

271,361

27,216 51,397 68,994 45,844 42,043 33,908

7,395 479

92

$ 225 112%

$ 9 21 40 30 46 59 18 2 1

251 $

3 $ 17 38 38 70 37 18 0 1

222 $

7 $ 20 54 48 45 66 15

1 0

256 $

226

8 20 39 28 44 54 19 2 0

33% 81 95

127 152 63

100 0

100

98%

88% 100 138 171 102 122

79 50

277,368 $ 214 120%

35

T A B L E E--FEMALE LivEs--Continued


s 1957 . . . . . . (05)

1958 . . . . . (O4)

1959 . . . . . (03)

1960 . . . . . (02)

1961 . . . . . (01)

10-14 15-19 20-24 25--29 30-34 35-39 40-44 45-40 50 and over

28,647 57,854 78,135 57,728 54,364 42,307

9,211 413

68

$ 3 19 37 19 45 43 17

2 0

$ 7 22 42 33 51 59 20

1 0

43% 86 88 58 88 73 85

2O0

All ages $ 328,727 $ 185 [ $ 235 79%

$ 34,285 ! $ 4 $ 8 72,269 ' 7 ~ 26 98 '497 i 4 0 1 51 7 l , 588 49 , 38 67,727 i 61 i 58 5 i , 163 : 90 64 10,317 S 20

451 0 i 1 82 0 i 0

10-14 15-19 20-24 25-2~) 30-34 35-3O 40 44 4 5 ~ 9 50 and over

50% 27 78

129 105 141 40

0

All ages S

10-d4 8 15-19 20-24 25 29 30-34 35--30 40-44 45-49 50 and over

All ages $

10-14 S 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50 and over.]

All ages $

10-14 $ 15-19 20-24 25-20 30-34 35-39 4O-44 45-49 50 and over

All ages $

406,379

36,509 93,100

111,791 78,646 73,284 56,753 10,766

652 160

$ 259

7 42 41 50

100 93

8 0 0

461,661 $ 341

37,792 134,557 143,890 99,087 89,872 66,707 13,357

459 113

585,834

44,515 180,653 212,507 138,586 118,792

85,365 17,393

457 112

$ 3 44 70 60 51 55 39

0 0

$ 322

2 24

108 51 65 52 21

3 0

798,380 $ 326

36

$ 266 97%

s 7 lOO% 32 131 54 76 38 t32 55 182 57 163 17 47

1 0 1 0

$ 262 130%

$ 6 50% 34 129 56 125 40 150 53 96 51 108 15 260

1 0 0

$ 256 126%

$ 5 40% 38 63 66 164 44 116 53 123 44 118 13 162

1 300 0

$ 264 123%

1963 Reports of Mortality and Morbidity Experience - I. Mortality … · 2011. 11. 3. · 2...

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Transcript of 1963 Reports of Mortality and Morbidity Experience - I. Mortality … · 2011. 11. 3. · 2...