SURRENDER CHARGE FACTORS
Issue Male Male Female Female Unisex Unisex Issue Male Male Female Female Unisex Unisex
Age NS Smoker NS Smoker NS Smoker Age NS Smoker NS Smoker NS Smoker
0 $5.13 n/a $4.72 n/a $5.06 n/a 41 $21.06 $25.40 $18.42 $20.53 $20.52 $24.42
1 5.13 n/a 4.72 n/a 5.06 n/a 42 22.89 27.09 19.35 21.59 22.18 26.00
2 5.13 n/a 4.72 n/a 5.06 n/a 43 24.12 28.92 20.23 22.62 23.34 27.66
3 5.24 n/a 4.78 n/a 5.16 n/a 44 26.01 30.85 21.50 24.05 25.12 29.50
4 5.35 n/a 4.87 n/a 5.26 n/a 45 27.51 32.85 22.80 25.55 26.56 31.40
5 5.46 n/a 4.94 n/a 5.36 n/a 46 28.74 34.64 23.44 26.28 27.68 32.96
6 5.57 n/a 5.02 n/a 5.46 n/a 47 29.73 36.11 24.45 27.44 28.68 34.38
7 5.73 n/a 5.18 n/a 5.62 n/a 48 31.60 37.96 25.46 28.61 30.38 36.08
8 5.86 n/a 5.24 n/a 5.74 n/a 49 33.95 39.50 26.54 29.84 32.48 37.56
9 6.01 n/a 5.33 n/a 5.88 n/a 50 35.60 41.50 27.64 31.07 34.02 39.42
10 6.19 n/a 5.49 n/a 6.04 n/a 51 37.19 44.03 28.67 32.26 35.28 41.68
11 6.37 n/a 5.55 n/a 6.20 n/a 52 38.63 46.36 29.47 33.16 36.59 43.72
12 6.54 n/a 5.64 n/a 6.36 n/a 53 40.18 49.27 30.81 34.70 37.98 45.51
13 6.72 n/a 5.77 n/a 6.52 n/a 54 41.83 51.91 32.13 36.22 39.47 47.35
14 6.89 n/a 5.93 n/a 6.70 n/a 55 43.58 54.11 33.14 37.39 41.05 49.30
15 7.05 n/a 6.08 n/a 6.86 n/a 56 45.45 53.92 35.23 40.33 42.73 51.35
16 7.22 n/a 6.23 n/a 7.02 n/a 57 47.45 53.72 37.89 43.08 44.51 53.53
17 7.38 n/a 6.39 n/a 7.18 n/a 58 49.58 53.52 40.29 44.72 46.42 54.01
18 7.53 $9.60 6.41 $7.86 7.30 $9.26 59 51.86 53.31 43.26 46.47 48.46 53.82
19 7.69 9.80 6.56 8.02 7.46 9.44 60 53.98 53.11 45.37 48.36 50.64 53.62
20 7.84 9.89 6.63 8.12 7.60 9.52 61 53.75 52.90 47.36 50.38 52.97 53.42
21 8.02 10.24 6.78 8.28 7.76 9.84 62 53.53 52.70 49.51 52.58 53.72 53.22
22 8.19 10.48 6.87 8.35 7.92 10.06 63 53.30 52.51 51.83 54.01 53.50 53.02
23 8.39 10.74 7.03 8.52 8.12 10.30 64 53.07 52.32 53.97 53.80 53.27 52.83
24 8.61 11.03 7.18 8.70 8.32 10.56 65 52.84 52.12 53.74 53.60 53.04 52.64
25 8.94 11.38 7.40 8.94 8.64 10.90 66 52.61 51.93 53.50 53.38 52.81 52.45
26 9.34 11.69 7.82 9.40 9.04 11.24 67 52.37 51.73 53.25 53.16 52.57 52.26
27 9.73 12.06 8.30 9.86 9.44 11.62 68 52.12 51.52 52.98 52.92 52.32 52.06
28 10.04 12.61 8.81 10.37 9.80 12.16 69 51.87 51.31 52.71 52.67 52.07 51.85
29 10.59 13.27 9.34 10.92 10.34 12.80 70 51.63 51.10 52.42 52.40 51.83 51.63
30 11.16 14.00 9.93 11.47 10.92 13.50 71 51.39 50.91 52.14 52.13 51.59 51.42
31 11.56 14.77 10.52 12.06 11.36 14.22 72 51.16 50.73 51.86 51.86 51.34 51.22
32 12.24 15.61 11.18 12.72 12.02 15.02 73 50.94 50.57 51.59 51.61 51.12 51.03
33 13.12 16.49 11.89 13.38 12.88 15.86 74 50.74 50.62 51.33 51.37 50.90 50.86
34 13.89 17.06 12.64 14.11 13.64 16.46 75 50.54 50.29 51.07 51.14 50.89 50.70
35 14.90 17.72 13.45 14.86 14.62 17.14 76 50.34 50.16 50.81 50.91 50.48 50.55
36 15.61 18.64 14.26 15.78 15.34 18.08 77 50.13 50.02 50.54 50.68 50.26 50.40
37 16.42 19.98 14.95 16.57 16.12 19.30 78 49.91 49.86 50.26 50.44 50.03 50.24
38 17.30 21.02 15.65 17.39 16.98 20.30 79 49.69 49.70 49.98 50.20 49.80 50.06
39 18.58 22.49 16.44 18.29 18.14 21.66 80 49.48 49.35 49.71 49.94 49.57 49.87
40 19.50 23.72 17.28 19.24 19.06 22.82
SURRENDER CHARGE PERCENTAGES
Male
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
- -------------------------------------------------------------------------------------------------
0-47 100% 100% 100% 100% 100% 91% 82% 73% 64% 55% 46% 37% 28% 18% 0%
48-55 100 97 95 92 89 86 82 73 64 55 46 37 28 18 0
56-65 100 96 93 89 86 82 79 75 67 57 48 38 29 19 0
66-70 100 96 92 88 84 80 76 73 69 66 63 39 46 30 0
71-80 100 95 90 85 81 77 73 69 65 62 58 54 50 35 0
Female
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
- -------------------------------------------------------------------------------------------------
0-52 100% 100% 100% 100% 100% 91% 82% 73% 64% 55% 46% 37% 28% 18% 0%
53-60 100 97 95 92 89 87 82 73 64 55 46 37 28 18 0
61-65 100 97 94 90 87 84 80 74 65 56 46 37 28 18 0
66-70 100 96 92 88 84 80 76 73 69 65 57 46 34 23 0
71-80 100 94 89 84 79 74 70 65 61 57 53 49 39 25 0
Unisex
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
- -------------------------------------------------------------------------------------------------
0-45 100% 100% 100% 100% 100% 91% 82% 73% 64% 55% 46% 37% 28% 18% 0%
46-55 100 98 95 93 90 87 82 73 64 55 46 37 28 18 0
56-65 100 97 93 90 86 83 79 76 67 58 48 39 29 19 0
66-70 100 96 92 88 84 80 77 73 69 66 53 59 43 28 0
71-80 100 95 90 85 81 76 72 68 64 61 57 53 49 35 0