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CMI Working Paper 12

CMI Working Paper 12 makes available the proposed new tables of mortality (the 00 series) for assured lives and temporary assurances

The tables given are as follows:

Table Investigation Sex Lives / Amounts Select period
AM00 Assured Lives - combined Male Lives 2
AMS00 Assured Lives - smokers Male Lives 2
AMN00 Assured Lives - non-smokers Male Lives 2
AF00 Assured Lives - combined Female Lives 2
AFS00 Assured Lives - smokers Female Lives 2
AFN00 Assured Lives - non-smokers Female Lives 2
TM00 Temporary Assured Lives - combined Male Lives 5
TMS00 Temporary Assured Lives - smokers Male Lives 5
TMN00 Temporary Assured Lives - non-smokers Male Lives 5
TF00 Temporary Assured Lives - combined Female Lives 5
TFS00 Temporary Assured Lives - smokers Female Lives 5
TFN00 Temporary Assured Lives - non-smokers Female Lives 5

These tables are based on the ‘all office’ mortality experience for 1999-2002, as detailed in CMI Report 21 which was published in September 2004

The CMI consulted the profession about these, and other, proposed mortality tables CMI Working Paper 8 which was published in May 2004.  That paper was discussed at a seminar held in Staple Inn in June 2004.

The 00 series of tables of mortality for pensioners and annuitants requires a projection of future mortality improvements to be incorporated in them. Matters being considered by the CMI in relation to these projections were described in Working Paper 3, which was published in March 2004. That paper was also discussed at the seminar in June. Work on the projections continues and is not expected to be completed until mid 2005. At that point the full proposed tables, including the projections, will be made available.

The proposed new tables of mortality for assured lives and temporary assurances are significantly lighter than the previous 92 series of tables

However, the new tables are consistent with the results disclosed in the CMI’s regular annual reports on industry mortality experience, the quadrennium report in CMI Report 21 (2004) and with the information contained in CMI Working Paper 8. That paper gave a detailed comparison of the 1999-2002 experience with the 92 series tables, including confidence intervals for mortality rates at particular ages. In this way information as to the shape and level of mortality that the new tables will be required to describe was disclosed.

The CMI is aware that some offices are required, for some purposes, to use the latest published mortality tables. It should be noted that the information that is now being made available does not constitute ‘publication’ of the tables.

Erratum (added 5 May 2011)

Formula (1) on page 17 of Working paper 12 is incorrect. This Erratum gives the corrected formula.

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