Social Security
Disability Insurance Program
Worker Experience
ACTUARIAL STUDY NO. 118
by Tim Zayatz, A.S.A.
by Tim Zayatz, A.S.A.
Social Security |
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ACTUARIAL STUDY NO. 118
by Tim Zayatz, A.S.A. |
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Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
33.936
|
30.517
|
27.622
|
25.154
|
23.038
|
21.211
|
19.626
|
18.241
|
17.025
|
15.953
|
15.001
|
14.153
|
13.394
|
12.711
|
12.095
|
11.537
|
11.029
|
|
17
|
33.246
|
29.941
|
27.136
|
24.741
|
22.683
|
20.904
|
19.357
|
18.004
|
16.814
|
15.763
|
14.830
|
13.997
|
13.251
|
12.580
|
11.974
|
11.424
|
10.923
|
|
18
|
32.519
|
29.332
|
26.622
|
24.303
|
22.305
|
20.576
|
19.069
|
17.750
|
16.588
|
15.561
|
14.647
|
13.831
|
13.100
|
12.441
|
11.845
|
11.304
|
10.812
|
|
19
|
31.857
|
28.780
|
26.158
|
23.910
|
21.970
|
20.286
|
18.818
|
17.530
|
16.394
|
15.388
|
14.493
|
13.693
|
12.974
|
12.326
|
11.740
|
11.208
|
10.723
|
|
20
|
31.308
|
28.329
|
25.783
|
23.596
|
21.705
|
20.062
|
18.626
|
17.364
|
16.251
|
15.263
|
14.382
|
13.594
|
12.886
|
12.248
|
11.669
|
11.143
|
10.664
|
|
21
|
30.813
|
27.927
|
25.455
|
23.326
|
21.483
|
19.877
|
18.472
|
17.235
|
16.142
|
15.171
|
14.305
|
13.528
|
12.830
|
12.199
|
11.628
|
11.108
|
10.633
|
|
22
|
30.270
|
27.478
|
25.082
|
23.014
|
21.219
|
19.654
|
18.281
|
17.071
|
16.000
|
15.047
|
14.196
|
13.432
|
12.745
|
12.124
|
11.560
|
11.046
|
10.578
|
|
23
|
29.510
|
26.831
|
24.528
|
22.536
|
20.803
|
19.289
|
17.959
|
16.785
|
15.745
|
14.817
|
13.988
|
13.244
|
12.573
|
11.965
|
11.414
|
10.911
|
10.452
|
|
24
|
28.768
|
26.202
|
23.989
|
22.071
|
20.400
|
18.937
|
17.649
|
16.511
|
15.500
|
14.599
|
13.791
|
13.065
|
12.410
|
11.817
|
11.278
|
10.786
|
10.336
|
|
25
|
27.897
|
25.452
|
23.340
|
21.505
|
19.903
|
18.497
|
17.258
|
16.162
|
15.186
|
14.315
|
13.533
|
12.830
|
12.194
|
11.618
|
11.094
|
10.616
|
10.178
|
|
26
|
26.973
|
24.653
|
22.644
|
20.896
|
19.366
|
18.021
|
16.834
|
15.781
|
14.843
|
14.004
|
13.250
|
12.571
|
11.957
|
11.399
|
10.892
|
10.428
|
10.003
|
|
27
|
26.245
|
24.029
|
22.104
|
20.426
|
18.955
|
17.659
|
16.513
|
15.495
|
14.587
|
13.773
|
13.042
|
12.382
|
11.784
|
11.241
|
10.746
|
10.293
|
9.878
|
|
28
|
25.539
|
23.422
|
21.581
|
19.971
|
18.557
|
17.310
|
16.204
|
15.221
|
14.342
|
13.553
|
12.844
|
12.202
|
11.621
|
11.092
|
10.609
|
10.167
|
9.762
|
|
29
|
24.904
|
22.877
|
21.110
|
19.562
|
18.200
|
16.996
|
15.927
|
14.974
|
14.121
|
13.356
|
12.665
|
12.041
|
11.474
|
10.957
|
10.486
|
10.054
|
9.657
|
|
30
|
24.281
|
22.341
|
20.647
|
19.159
|
17.847
|
16.685
|
15.652
|
14.729
|
13.903
|
13.159
|
12.488
|
11.880
|
11.327
|
10.823
|
10.362
|
9.940
|
9.552
|
|
31
|
23.691
|
21.834
|
20.208
|
18.777
|
17.512
|
16.391
|
15.391
|
14.498
|
13.696
|
12.973
|
12.320
|
11.728
|
11.189
|
10.697
|
10.247
|
9.833
|
9.453
|
|
32
|
23.233
|
21.445
|
19.876
|
18.492
|
17.267
|
16.179
|
15.207
|
14.337
|
13.555
|
12.849
|
12.210
|
11.630
|
11.102
|
10.619
|
10.177
|
9.771
|
9.396
|
|
33
|
22.790
|
21.069
|
19.555
|
18.218
|
17.031
|
15.975
|
15.030
|
14.183
|
13.420
|
12.731
|
12.106
|
11.538
|
11.020
|
10.547
|
10.112
|
9.712
|
9.344
|
|
34
|
22.358
|
20.701
|
19.240
|
17.947
|
16.798
|
15.772
|
14.854
|
14.029
|
13.285
|
12.612
|
12.001
|
11.444
|
10.937
|
10.472
|
10.045
|
9.652
|
9.289
|
|
35
|
21.806
|
20.222
|
18.823
|
17.582
|
16.477
|
15.489
|
14.602
|
13.805
|
13.084
|
12.432
|
11.838
|
11.298
|
10.803
|
10.350
|
9.934
|
9.550
|
9.195
|
|
36
|
21.457
|
19.929
|
18.576
|
17.374
|
16.301
|
15.340
|
14.476
|
13.697
|
12.993
|
12.354
|
11.773
|
11.242
|
10.756
|
10.310
|
9.900
|
9.522
|
9.172
|
|
37
|
20.922
|
19.463
|
18.168
|
17.014
|
15.983
|
15.058
|
14.225
|
13.473
|
12.792
|
12.173
|
11.608
|
11.093
|
10.620
|
10.186
|
9.786
|
9.417
|
9.075
|
|
38
|
20.479
|
19.078
|
17.832
|
16.720
|
15.725
|
14.830
|
14.023
|
13.293
|
12.630
|
12.027
|
11.477
|
10.974
|
10.512
|
10.088
|
9.696
|
9.334
|
8.999
|
|
39
|
19.969
|
18.633
|
17.441
|
16.375
|
15.419
|
14.558
|
13.780
|
13.075
|
12.435
|
11.851
|
11.318
|
10.829
|
10.381
|
9.967
|
9.586
|
9.233
|
8.905
|
|
40
|
19.444
|
18.170
|
17.033
|
16.014
|
15.097
|
14.270
|
13.522
|
12.843
|
12.225
|
11.661
|
11.145
|
10.672
|
10.236
|
9.835
|
9.464
|
9.120
|
8.801
|
|
41
|
19.006
|
17.787
|
16.697
|
15.718
|
14.836
|
14.038
|
13.316
|
12.659
|
12.060
|
11.513
|
11.011
|
10.550
|
10.126
|
9.734
|
9.372
|
9.036
|
8.724
|
|
42
|
18.517
|
17.356
|
16.314
|
15.377
|
14.531
|
13.765
|
13.069
|
12.436
|
11.858
|
11.329
|
10.843
|
10.397
|
9.985
|
9.604
|
9.252
|
8.925
|
8.621
|
|
43
|
17.971
|
16.869
|
15.878
|
14.985
|
14.178
|
13.445
|
12.779
|
12.171
|
11.616
|
11.107
|
10.639
|
10.208
|
9.810
|
9.442
|
9.101
|
8.784
|
8.489
|
|
44
|
17.497
|
16.449
|
15.504
|
14.651
|
13.878
|
13.175
|
12.535
|
11.951
|
11.415
|
10.924
|
10.472
|
10.055
|
9.669
|
9.312
|
8.981
|
8.672
|
8.385
|
|
45
|
17.090
|
16.089
|
15.185
|
14.367
|
13.625
|
12.949
|
12.332
|
11.767
|
11.250
|
10.774
|
10.336
|
9.931
|
9.556
|
9.208
|
8.886
|
8.585
|
8.305
|
|
46
|
16.578
|
15.631
|
14.774
|
13.996
|
13.289
|
12.644
|
12.055
|
11.515
|
11.019
|
10.562
|
10.141
|
9.751
|
9.390
|
9.054
|
8.742
|
8.452
|
8.180
|
|
47
|
16.157
|
15.255
|
14.438
|
13.695
|
13.019
|
12.401
|
11.835
|
11.315
|
10.837
|
10.397
|
9.990
|
9.613
|
9.263
|
8.938
|
8.635
|
8.352
|
8.088
|
|
48
|
15.609
|
14.759
|
13.988
|
13.286
|
12.645
|
12.058
|
11.520
|
11.025
|
10.570
|
10.149
|
9.759
|
9.398
|
9.063
|
8.751
|
8.460
|
8.188
|
7.934
|
|
49
|
15.378
|
14.560
|
13.815
|
13.135
|
12.514
|
11.944
|
11.421
|
10.939
|
10.494
|
10.083
|
9.702
|
9.349
|
9.020
|
8.713
|
8.427
|
8.160
|
7.910
|
|
50
|
15.425
|
14.620
|
13.886
|
13.215
|
12.601
|
12.037
|
11.518
|
11.039
|
10.597
|
10.188
|
9.808
|
9.455
|
9.126
|
8.819
|
8.533
|
8.265
|
8.013
|
|
51
|
14.646
|
13.904
|
13.226
|
12.606
|
12.036
|
11.512
|
11.030
|
10.584
|
10.171
|
9.788
|
9.433
|
9.102
|
8.793
|
8.505
|
8.236
|
7.983
|
7.746
|
|
52
|
14.147
|
13.450
|
12.812
|
12.226
|
11.688
|
11.192
|
10.734
|
10.311
|
9.918
|
9.553
|
9.214
|
8.898
|
8.603
|
8.327
|
8.068
|
7.826
|
7.598
|
|
53
|
13.720
|
13.061
|
12.457
|
11.902
|
11.391
|
10.919
|
10.482
|
10.078
|
9.702
|
9.353
|
9.028
|
8.724
|
8.441
|
8.175
|
7.926
|
7.692
|
7.473
|
|
54
|
13.498
|
12.864
|
12.281
|
11.745
|
11.250
|
10.793
|
10.369
|
9.976
|
9.611
|
9.270
|
8.953
|
8.657
|
8.379
|
8.119
|
7.875
|
7.646
|
7.430
|
|
55
|
13.622
|
12.993
|
12.415
|
11.882
|
11.389
|
10.932
|
10.509
|
10.116
|
9.750
|
9.409
|
9.090
|
8.793
|
8.513
|
8.252
|
8.006
|
7.774
|
7.557
|
|
56
|
12.948
|
12.369
|
11.836
|
11.343
|
10.887
|
10.464
|
10.071
|
9.705
|
9.364
|
9.046
|
8.748
|
8.469
|
8.208
|
7.962
|
7.731
|
7.514
|
7.309
|
|
57
|
12.579
|
12.032
|
11.527
|
11.060
|
10.626
|
10.224
|
9.849
|
9.500
|
9.174
|
8.869
|
8.584
|
8.316
|
8.065
|
7.828
|
7.606
|
7.396
|
7.198
|
|
58
|
12.206
|
11.690
|
11.212
|
10.769
|
10.358
|
9.975
|
9.619
|
9.286
|
8.975
|
8.683
|
8.410
|
8.154
|
7.912
|
7.685
|
7.471
|
7.269
|
7.079
|
|
59
|
11.847
|
11.360
|
10.908
|
10.489
|
10.099
|
9.735
|
9.395
|
9.078
|
8.781
|
8.503
|
8.241
|
7.995
|
7.764
|
7.546
|
7.340
|
7.146
|
6.962
|
|
60
|
11.571
|
11.108
|
10.678
|
10.279
|
9.906
|
9.558
|
9.233
|
8.929
|
8.644
|
8.376
|
8.124
|
7.887
|
7.664
|
7.453
|
7.254
|
7.066
|
6.887
|
|
61
|
10.951
|
10.528
|
10.135
|
9.769
|
9.427
|
9.107
|
8.808
|
8.527
|
8.263
|
8.015
|
7.782
|
7.562
|
7.355
|
7.159
|
6.973
|
6.797
|
6.631
|
|
62
|
10.454
|
10.063
|
9.699
|
9.360
|
9.042
|
8.744
|
8.465
|
8.203
|
7.957
|
7.725
|
7.507
|
7.300
|
7.105
|
6.921
|
6.746
|
6.581
|
6.424
|
|
63
|
9.574
|
9.234
|
8.917
|
8.620
|
8.341
|
8.080
|
7.835
|
7.604
|
7.387
|
7.182
|
6.988
|
6.805
|
6.632
|
6.468
|
6.312
|
6.165
|
6.024
|
|
64
|
8.707
|
8.414
|
8.140
|
7.884
|
7.642
|
7.416
|
7.203
|
7.001
|
6.812
|
6.633
|
6.463
|
6.302
|
6.150
|
6.006
|
5.869
|
5.738
|
5.614
|
| 1Present value of annual payments of $1 payable at the beginning of each year, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8A and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
32.936
|
29.517
|
26.622
|
24.154
|
22.038
|
20.211
|
18.626
|
17.241
|
16.025
|
14.953
|
14.001
|
13.153
|
12.394
|
11.711
|
11.095
|
10.537
|
10.029
|
|
17
|
32.246
|
28.941
|
26.136
|
23.741
|
21.683
|
19.904
|
18.357
|
17.004
|
15.814
|
14.763
|
13.830
|
12.997
|
12.251
|
11.580
|
10.974
|
10.424
|
9.923
|
|
18
|
31.519
|
28.332
|
25.622
|
23.303
|
21.305
|
19.576
|
18.069
|
16.750
|
15.588
|
14.561
|
13.647
|
12.831
|
12.100
|
11.441
|
10.845
|
10.304
|
9.812
|
|
19
|
30.857
|
27.780
|
25.158
|
22.910
|
20.970
|
19.286
|
17.818
|
16.530
|
15.394
|
14.388
|
13.493
|
12.693
|
11.974
|
11.326
|
10.740
|
10.208
|
9.723
|
|
20
|
30.308
|
27.329
|
24.783
|
22.596
|
20.705
|
19.062
|
17.626
|
16.364
|
15.251
|
14.263
|
13.382
|
12.594
|
11.886
|
11.248
|
10.669
|
10.143
|
9.664
|
|
21
|
29.813
|
26.927
|
24.455
|
22.326
|
20.483
|
18.877
|
17.472
|
16.235
|
15.142
|
14.171
|
13.305
|
12.528
|
11.830
|
11.199
|
10.628
|
10.108
|
9.633
|
|
22
|
29.270
|
26.478
|
24.082
|
22.014
|
20.219
|
18.654
|
17.281
|
16.071
|
15.000
|
14.047
|
13.196
|
12.432
|
11.745
|
11.124
|
10.560
|
10.046
|
9.578
|
|
23
|
28.510
|
25.831
|
23.528
|
21.536
|
19.803
|
18.289
|
16.959
|
15.785
|
14.745
|
13.817
|
12.988
|
12.244
|
11.573
|
10.965
|
10.414
|
9.911
|
9.452
|
|
24
|
27.768
|
25.202
|
22.989
|
21.071
|
19.400
|
17.937
|
16.649
|
15.511
|
14.500
|
13.599
|
12.791
|
12.065
|
11.410
|
10.817
|
10.278
|
9.786
|
9.336
|
|
25
|
26.897
|
24.452
|
22.340
|
20.505
|
18.903
|
17.497
|
16.258
|
15.162
|
14.186
|
13.315
|
12.533
|
11.830
|
11.194
|
10.618
|
10.094
|
9.616
|
9.178
|
|
26
|
25.973
|
23.653
|
21.644
|
19.896
|
18.366
|
17.021
|
15.834
|
14.781
|
13.843
|
13.004
|
12.250
|
11.571
|
10.957
|
10.399
|
9.892
|
9.428
|
9.003
|
|
27
|
25.245
|
23.029
|
21.104
|
19.426
|
17.955
|
16.659
|
15.513
|
14.495
|
13.587
|
12.773
|
12.042
|
11.382
|
10.784
|
10.241
|
9.746
|
9.293
|
8.878
|
|
28
|
24.539
|
22.422
|
20.581
|
18.971
|
17.557
|
16.310
|
15.204
|
14.221
|
13.342
|
12.553
|
11.844
|
11.202
|
10.621
|
10.092
|
9.609
|
9.167
|
8.762
|
|
29
|
23.904
|
21.877
|
20.110
|
18.562
|
17.200
|
15.996
|
14.927
|
13.974
|
13.121
|
12.356
|
11.665
|
11.041
|
10.474
|
9.957
|
9.486
|
9.054
|
8.657
|
|
30
|
23.281
|
21.341
|
19.647
|
18.159
|
16.847
|
15.685
|
14.652
|
13.729
|
12.903
|
12.159
|
11.488
|
10.880
|
10.327
|
9.823
|
9.362
|
8.940
|
8.552
|
|
31
|
22.691
|
20.834
|
19.208
|
17.777
|
16.512
|
15.391
|
14.391
|
13.498
|
12.696
|
11.973
|
11.320
|
10.728
|
10.189
|
9.697
|
9.247
|
8.833
|
8.453
|
|
32
|
22.233
|
20.445
|
18.876
|
17.492
|
16.267
|
15.179
|
14.207
|
13.337
|
12.555
|
11.849
|
11.210
|
10.630
|
10.102
|
9.619
|
9.177
|
8.771
|
8.396
|
|
33
|
21.790
|
20.069
|
18.555
|
17.218
|
16.031
|
14.975
|
14.030
|
13.183
|
12.420
|
11.731
|
11.106
|
10.538
|
10.020
|
9.547
|
9.112
|
8.712
|
8.344
|
|
34
|
21.358
|
19.701
|
18.240
|
16.947
|
15.798
|
14.772
|
13.854
|
13.029
|
12.285
|
11.612
|
11.001
|
10.444
|
9.937
|
9.472
|
9.045
|
8.652
|
8.289
|
|
35
|
20.806
|
19.222
|
17.823
|
16.582
|
15.477
|
14.489
|
13.602
|
12.805
|
12.084
|
11.432
|
10.838
|
10.298
|
9.803
|
9.350
|
8.934
|
8.550
|
8.195
|
|
36
|
20.457
|
18.929
|
17.576
|
16.374
|
15.301
|
14.340
|
13.476
|
12.697
|
11.993
|
11.354
|
10.773
|
10.242
|
9.756
|
9.310
|
8.900
|
8.522
|
8.172
|
|
37
|
19.922
|
18.463
|
17.168
|
16.014
|
14.983
|
14.058
|
13.225
|
12.473
|
11.792
|
11.173
|
10.608
|
10.093
|
9.620
|
9.186
|
8.786
|
8.417
|
8.075
|
|
38
|
19.479
|
18.078
|
16.832
|
15.720
|
14.725
|
13.830
|
13.023
|
12.293
|
11.630
|
11.027
|
10.477
|
9.974
|
9.512
|
9.088
|
8.696
|
8.334
|
7.999
|
|
39
|
18.969
|
17.633
|
16.441
|
15.375
|
14.419
|
13.558
|
12.780
|
12.075
|
11.435
|
10.851
|
10.318
|
9.829
|
9.381
|
8.967
|
8.586
|
8.233
|
7.905
|
|
40
|
18.444
|
17.170
|
16.033
|
15.014
|
14.097
|
13.270
|
12.522
|
11.843
|
11.225
|
10.661
|
10.145
|
9.672
|
9.236
|
8.835
|
8.464
|
8.120
|
7.801
|
|
41
|
18.006
|
16.787
|
15.697
|
14.718
|
13.836
|
13.038
|
12.316
|
11.659
|
11.060
|
10.513
|
10.011
|
9.550
|
9.126
|
8.734
|
8.372
|
8.036
|
7.724
|
|
42
|
17.517
|
16.356
|
15.314
|
14.377
|
13.531
|
12.765
|
12.069
|
11.436
|
10.858
|
10.329
|
9.843
|
9.397
|
8.985
|
8.604
|
8.252
|
7.925
|
7.621
|
|
43
|
16.971
|
15.869
|
14.878
|
13.985
|
13.178
|
12.445
|
11.779
|
11.171
|
10.616
|
10.107
|
9.639
|
9.208
|
8.810
|
8.442
|
8.101
|
7.784
|
7.489
|
|
44
|
16.497
|
15.449
|
14.504
|
13.651
|
12.878
|
12.175
|
11.535
|
10.951
|
10.415
|
9.924
|
9.472
|
9.055
|
8.669
|
8.312
|
7.981
|
7.672
|
7.385
|
|
45
|
16.090
|
15.089
|
14.185
|
13.367
|
12.625
|
11.949
|
11.332
|
10.767
|
10.250
|
9.774
|
9.336
|
8.931
|
8.556
|
8.208
|
7.886
|
7.585
|
7.305
|
|
46
|
15.578
|
14.631
|
13.774
|
12.996
|
12.289
|
11.644
|
11.055
|
10.515
|
10.019
|
9.562
|
9.141
|
8.751
|
8.390
|
8.054
|
7.742
|
7.452
|
7.180
|
|
47
|
15.157
|
14.255
|
13.438
|
12.695
|
12.019
|
11.401
|
10.835
|
10.315
|
9.837
|
9.397
|
8.990
|
8.613
|
8.263
|
7.938
|
7.635
|
7.352
|
7.088
|
|
48
|
14.609
|
13.759
|
12.988
|
12.286
|
11.645
|
11.058
|
10.520
|
10.025
|
9.570
|
9.149
|
8.759
|
8.398
|
8.063
|
7.751
|
7.460
|
7.188
|
6.934
|
|
49
|
14.378
|
13.560
|
12.815
|
12.135
|
11.514
|
10.944
|
10.421
|
9.939
|
9.494
|
9.083
|
8.702
|
8.349
|
8.020
|
7.713
|
7.427
|
7.160
|
6.910
|
|
50
|
14.425
|
13.620
|
12.886
|
12.215
|
11.601
|
11.037
|
10.518
|
10.039
|
9.597
|
9.188
|
8.808
|
8.455
|
8.126
|
7.819
|
7.533
|
7.265
|
7.013
|
|
51
|
13.646
|
12.904
|
12.226
|
11.606
|
11.036
|
10.512
|
10.030
|
9.584
|
9.171
|
8.788
|
8.433
|
8.102
|
7.793
|
7.505
|
7.236
|
6.983
|
6.746
|
|
52
|
13.147
|
12.450
|
11.812
|
11.226
|
10.688
|
10.192
|
9.734
|
9.311
|
8.918
|
8.553
|
8.214
|
7.898
|
7.603
|
7.327
|
7.068
|
6.826
|
6.598
|
|
53
|
12.720
|
12.061
|
11.457
|
10.902
|
10.391
|
9.919
|
9.482
|
9.078
|
8.702
|
8.353
|
8.028
|
7.724
|
7.441
|
7.175
|
6.926
|
6.692
|
6.473
|
|
54
|
12.498
|
11.864
|
11.281
|
10.745
|
10.250
|
9.793
|
9.369
|
8.976
|
8.611
|
8.270
|
7.953
|
7.657
|
7.379
|
7.119
|
6.875
|
6.646
|
6.430
|
|
55
|
12.622
|
11.993
|
11.415
|
10.882
|
10.389
|
9.932
|
9.509
|
9.116
|
8.750
|
8.409
|
8.090
|
7.793
|
7.513
|
7.252
|
7.006
|
6.774
|
6.557
|
|
56
|
11.948
|
11.369
|
10.836
|
10.343
|
9.887
|
9.464
|
9.071
|
8.705
|
8.364
|
8.046
|
7.748
|
7.469
|
7.208
|
6.962
|
6.731
|
6.514
|
6.309
|
|
57
|
11.579
|
11.032
|
10.527
|
10.060
|
9.626
|
9.224
|
8.849
|
8.500
|
8.174
|
7.869
|
7.584
|
7.316
|
7.065
|
6.828
|
6.606
|
6.396
|
6.198
|
|
58
|
11.206
|
10.690
|
10.212
|
9.769
|
9.358
|
8.975
|
8.619
|
8.286
|
7.975
|
7.683
|
7.410
|
7.154
|
6.912
|
6.685
|
6.471
|
6.269
|
6.079
|
|
59
|
10.847
|
10.360
|
9.908
|
9.489
|
9.099
|
8.735
|
8.395
|
8.078
|
7.781
|
7.503
|
7.241
|
6.995
|
6.764
|
6.546
|
6.340
|
6.146
|
5.962
|
|
60
|
10.571
|
10.108
|
9.678
|
9.279
|
8.906
|
8.558
|
8.233
|
7.929
|
7.644
|
7.376
|
7.124
|
6.887
|
6.664
|
6.453
|
6.254
|
6.066
|
5.887
|
|
61
|
9.951
|
9.528
|
9.135
|
8.769
|
8.427
|
8.107
|
7.808
|
7.527
|
7.263
|
7.015
|
6.782
|
6.562
|
6.355
|
6.159
|
5.973
|
5.797
|
5.631
|
|
62
|
9.454
|
9.063
|
8.699
|
8.360
|
8.042
|
7.744
|
7.465
|
7.203
|
6.957
|
6.725
|
6.507
|
6.300
|
6.105
|
5.921
|
5.746
|
5.581
|
5.424
|
|
63
|
8.574
|
8.234
|
7.917
|
7.620
|
7.341
|
7.080
|
6.835
|
6.604
|
6.387
|
6.182
|
5.988
|
5.805
|
5.632
|
5.468
|
5.312
|
5.165
|
5.024
|
|
64
|
7.707
|
7.414
|
7.140
|
6.884
|
6.642
|
6.416
|
6.203
|
6.001
|
5.812
|
5.633
|
5.463
|
5.302
|
5.150
|
5.006
|
4.869
|
4.738
|
4.614
|
| 1Present value of annual payments of $1 payable at the end of each year, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8A and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
401.720
|
360.679
|
325.930
|
296.316
|
270.914
|
248.991
|
229.958
|
213.339
|
198.747
|
185.869
|
174.447
|
164.266
|
155.152
|
146.957
|
139.558
|
132.852
|
126.753
|
|
17
|
393.431
|
353.765
|
320.107
|
291.362
|
266.659
|
245.302
|
226.730
|
210.490
|
196.212
|
183.595
|
172.392
|
162.397
|
153.440
|
145.381
|
138.099
|
131.495
|
125.484
|
|
18
|
384.716
|
346.466
|
313.936
|
286.097
|
262.126
|
241.365
|
223.281
|
207.444
|
193.501
|
181.165
|
170.198
|
160.404
|
151.619
|
143.707
|
136.553
|
130.061
|
124.147
|
|
19
|
376.762
|
339.841
|
308.369
|
281.379
|
258.094
|
237.890
|
220.263
|
204.801
|
191.171
|
179.095
|
168.346
|
158.737
|
150.109
|
142.332
|
135.294
|
128.902
|
123.076
|
|
20
|
370.176
|
334.419
|
303.872
|
277.619
|
254.925
|
235.200
|
217.961
|
202.817
|
189.447
|
177.587
|
167.018
|
157.560
|
149.059
|
141.389
|
134.442
|
128.128
|
122.370
|
|
21
|
364.242
|
329.597
|
299.932
|
274.383
|
252.254
|
232.983
|
216.113
|
201.269
|
188.145
|
176.488
|
166.086
|
156.767
|
148.382
|
140.809
|
133.945
|
127.700
|
122.001
|
|
22
|
357.719
|
324.209
|
295.451
|
270.630
|
249.090
|
230.297
|
213.818
|
199.295
|
186.436
|
174.999
|
164.781
|
155.616
|
147.361
|
139.899
|
133.128
|
126.965
|
121.335
|
|
23
|
348.597
|
316.454
|
288.806
|
264.893
|
244.099
|
225.925
|
209.960
|
195.869
|
183.373
|
172.244
|
162.290
|
153.350
|
145.291
|
137.997
|
131.374
|
125.339
|
119.823
|
|
24
|
339.705
|
308.896
|
282.336
|
259.315
|
239.257
|
221.692
|
206.237
|
192.573
|
180.439
|
169.616
|
159.924
|
151.209
|
143.343
|
136.218
|
129.741
|
123.835
|
118.432
|
|
25
|
329.247
|
299.901
|
274.544
|
252.518
|
233.289
|
216.420
|
201.549
|
188.381
|
176.669
|
166.209
|
156.828
|
148.383
|
140.753
|
133.833
|
127.538
|
121.792
|
116.531
|
|
26
|
318.160
|
290.317
|
266.202
|
245.211
|
226.848
|
210.707
|
196.454
|
183.812
|
172.550
|
162.477
|
153.431
|
145.278
|
137.902
|
131.207
|
125.109
|
119.538
|
114.432
|
|
27
|
309.427
|
282.819
|
259.723
|
239.575
|
221.915
|
206.362
|
192.605
|
180.382
|
169.478
|
159.711
|
150.928
|
143.003
|
135.824
|
129.301
|
123.355
|
117.917
|
112.929
|
|
28
|
300.953
|
275.545
|
253.440
|
234.116
|
217.143
|
202.168
|
188.898
|
177.089
|
166.537
|
157.072
|
148.549
|
140.848
|
133.866
|
127.513
|
121.716
|
116.410
|
111.539
|
|
29
|
293.328
|
269.002
|
247.791
|
229.208
|
212.855
|
198.399
|
185.567
|
174.129
|
163.893
|
154.698
|
146.408
|
138.908
|
132.099
|
125.899
|
120.235
|
115.045
|
110.277
|
|
30
|
285.852
|
262.572
|
242.228
|
224.367
|
208.617
|
194.669
|
182.265
|
171.191
|
161.266
|
152.337
|
144.276
|
136.974
|
130.337
|
124.287
|
118.754
|
113.681
|
109.015
|
|
31
|
278.780
|
256.487
|
236.961
|
219.782
|
204.604
|
191.138
|
179.141
|
168.413
|
158.782
|
150.107
|
142.264
|
135.150
|
128.678
|
122.770
|
117.363
|
112.399
|
107.830
|
|
32
|
273.278
|
251.816
|
232.976
|
216.367
|
201.664
|
188.594
|
176.931
|
166.483
|
157.091
|
148.618
|
140.948
|
133.982
|
127.637
|
121.839
|
116.527
|
111.646
|
107.150
|
|
33
|
267.962
|
247.303
|
229.129
|
213.073
|
198.830
|
186.147
|
174.809
|
164.636
|
155.476
|
147.201
|
139.700
|
132.879
|
126.658
|
120.968
|
115.749
|
110.949
|
106.523
|
|
34
|
262.783
|
242.891
|
225.353
|
209.827
|
196.028
|
183.716
|
172.692
|
162.785
|
153.851
|
145.768
|
138.431
|
131.751
|
125.652
|
120.068
|
114.940
|
110.219
|
105.863
|
|
35
|
256.151
|
237.142
|
220.345
|
205.444
|
192.174
|
180.313
|
169.673
|
160.096
|
151.445
|
143.607
|
136.483
|
129.989
|
124.052
|
118.609
|
113.606
|
108.996
|
104.738
|
|
36
|
251.971
|
233.629
|
217.385
|
202.946
|
190.062
|
178.524
|
168.156
|
158.808
|
150.352
|
142.679
|
135.695
|
129.321
|
123.486
|
118.131
|
113.204
|
108.658
|
104.456
|
|
37
|
245.543
|
228.026
|
212.480
|
198.632
|
186.251
|
175.143
|
165.145
|
156.114
|
147.933
|
140.498
|
133.722
|
127.529
|
121.853
|
116.638
|
111.834
|
107.398
|
103.293
|
|
38
|
240.226
|
223.410
|
208.455
|
195.106
|
183.149
|
172.403
|
162.713
|
153.947
|
145.994
|
138.756
|
132.151
|
126.106
|
120.560
|
115.458
|
110.754
|
106.406
|
102.379
|
|
39
|
234.114
|
218.065
|
203.760
|
190.965
|
179.482
|
169.143
|
159.804
|
151.341
|
143.651
|
136.643
|
130.238
|
124.369
|
118.977
|
114.012
|
109.428
|
105.187
|
101.255
|
|
40
|
227.807
|
212.519
|
198.863
|
186.624
|
175.619
|
165.691
|
156.708
|
148.555
|
141.134
|
134.361
|
128.162
|
122.475
|
117.243
|
112.420
|
107.963
|
103.834
|
100.002
|
|
41
|
222.551
|
207.924
|
194.832
|
183.073
|
172.480
|
162.906
|
154.229
|
146.340
|
139.149
|
132.576
|
126.553
|
121.018
|
115.922
|
111.217
|
106.865
|
102.829
|
99.080
|
|
42
|
216.691
|
202.747
|
190.239
|
178.983
|
168.823
|
159.625
|
151.273
|
143.669
|
136.726
|
130.371
|
124.539
|
119.173
|
114.226
|
109.654
|
105.420
|
101.490
|
97.835
|
|
43
|
210.132
|
196.900
|
185.006
|
174.282
|
164.583
|
155.787
|
147.787
|
140.491
|
133.819
|
127.703
|
122.083
|
116.906
|
112.127
|
107.705
|
103.605
|
99.796
|
96.250
|
|
44
|
204.448
|
191.856
|
180.514
|
170.267
|
160.983
|
152.547
|
144.862
|
137.841
|
131.411
|
125.509
|
120.077
|
115.067
|
110.436
|
106.146
|
102.164
|
98.461
|
95.010
|
|
45
|
199.567
|
187.543
|
176.691
|
166.866
|
157.948
|
149.830
|
142.422
|
135.644
|
129.427
|
123.711
|
118.444
|
113.580
|
109.078
|
104.903
|
101.023
|
97.411
|
94.041
|
|
46
|
193.423
|
182.043
|
171.750
|
162.413
|
153.922
|
146.179
|
139.101
|
132.614
|
126.654
|
121.168
|
116.104
|
111.422
|
107.083
|
103.054
|
99.305
|
95.811
|
92.549
|
|
47
|
188.361
|
177.534
|
167.721
|
158.803
|
150.677
|
143.254
|
136.456
|
130.217
|
124.477
|
119.183
|
114.292
|
109.763
|
105.561
|
101.654
|
98.015
|
94.620
|
91.446
|
|
48
|
181.786
|
171.586
|
162.323
|
153.889
|
146.189
|
139.143
|
132.680
|
126.738
|
121.263
|
116.207
|
111.529
|
107.190
|
103.160
|
99.409
|
95.911
|
92.644
|
89.587
|
|
49
|
179.021
|
169.188
|
160.240
|
152.078
|
144.614
|
137.772
|
131.486
|
125.698
|
120.357
|
115.418
|
110.841
|
106.593
|
102.642
|
98.960
|
95.523
|
92.309
|
89.300
|
|
50
|
179.579
|
169.911
|
161.097
|
153.042
|
145.663
|
138.888
|
132.653
|
126.904
|
121.591
|
116.672
|
112.108
|
107.866
|
103.916
|
100.231
|
96.788
|
93.565
|
90.544
|
|
51
|
170.232
|
161.321
|
153.181
|
145.728
|
138.887
|
132.595
|
126.795
|
121.437
|
116.479
|
111.881
|
107.609
|
103.632
|
99.925
|
96.462
|
93.222
|
90.186
|
87.337
|
|
52
|
164.246
|
155.872
|
148.207
|
141.174
|
134.708
|
128.750
|
123.249
|
118.160
|
113.442
|
109.061
|
104.984
|
101.185
|
97.638
|
94.321
|
91.214
|
88.299
|
85.561
|
|
53
|
159.124
|
151.210
|
143.952
|
137.282
|
131.137
|
125.466
|
120.222
|
115.362
|
110.851
|
106.656
|
102.747
|
99.100
|
95.690
|
92.498
|
89.505
|
86.694
|
84.051
|
|
54
|
156.458
|
148.839
|
141.840
|
135.396
|
129.450
|
123.954
|
118.864
|
114.141
|
109.751
|
105.663
|
101.849
|
98.287
|
94.953
|
91.828
|
88.896
|
86.139
|
83.544
|
|
55
|
157.946
|
150.395
|
143.446
|
137.037
|
131.116
|
125.633
|
120.549
|
115.824
|
111.427
|
107.328
|
103.499
|
99.918
|
96.564
|
93.417
|
90.461
|
87.679
|
85.059
|
|
56
|
149.857
|
142.907
|
136.498
|
130.577
|
125.095
|
120.011
|
115.288
|
110.893
|
106.795
|
102.969
|
99.392
|
96.040
|
92.897
|
89.944
|
87.167
|
84.551
|
82.083
|
|
57
|
145.429
|
138.860
|
132.792
|
127.175
|
121.966
|
117.127
|
112.625
|
108.428
|
104.510
|
100.847
|
97.416
|
94.199
|
91.178
|
88.336
|
85.660
|
83.137
|
80.755
|
|
58
|
140.951
|
134.750
|
129.010
|
123.688
|
118.745
|
114.145
|
109.859
|
105.858
|
102.117
|
98.615
|
95.331
|
92.247
|
89.348
|
86.618
|
84.044
|
81.615
|
79.319
|
|
59
|
136.648
|
130.793
|
125.365
|
120.324
|
115.633
|
111.261
|
107.181
|
103.367
|
99.796
|
96.448
|
93.304
|
90.349
|
87.567
|
84.945
|
82.470
|
80.131
|
77.919
|
|
60
|
133.330
|
127.770
|
122.606
|
117.801
|
113.323
|
109.143
|
105.235
|
101.577
|
98.147
|
94.927
|
91.899
|
89.049
|
86.363
|
83.829
|
81.434
|
79.168
|
77.023
|
|
61
|
125.891
|
120.813
|
116.088
|
111.684
|
107.572
|
103.727
|
100.126
|
96.750
|
93.581
|
90.600
|
87.794
|
85.149
|
82.652
|
80.293
|
78.062
|
75.948
|
73.945
|
|
62
|
119.927
|
115.233
|
110.857
|
106.772
|
102.951
|
99.373
|
96.018
|
92.867
|
89.905
|
87.116
|
84.486
|
82.005
|
79.660
|
77.442
|
75.341
|
73.349
|
71.459
|
|
63
|
109.371
|
105.283
|
101.464
|
97.891
|
94.543
|
91.401
|
88.450
|
85.673
|
83.058
|
80.591
|
78.262
|
76.060
|
73.976
|
72.001
|
70.129
|
68.351
|
66.661
|
|
64
|
98.960
|
95.441
|
92.147
|
89.058
|
86.157
|
83.430
|
80.863
|
78.443
|
76.159
|
74.001
|
71.960
|
70.027
|
68.194
|
66.454
|
64.802
|
63.230
|
61.735
|
| 1Present value of monthly payments of $1 payable at the beginning of each month, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8A and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
400.720
|
359.679
|
324.930
|
295.316
|
269.914
|
247.991
|
228.958
|
212.339
|
197.747
|
184.869
|
173.447
|
163.266
|
154.152
|
145.957
|
138.558
|
131.852
|
125.753
|
|
17
|
392.431
|
352.765
|
319.107
|
290.362
|
265.659
|
244.302
|
225.730
|
209.490
|
195.212
|
182.595
|
171.392
|
161.397
|
152.440
|
144.381
|
137.099
|
130.495
|
124.484
|
|
18
|
383.716
|
345.466
|
312.936
|
285.097
|
261.126
|
240.365
|
222.281
|
206.444
|
192.501
|
180.165
|
169.198
|
159.404
|
150.619
|
142.707
|
135.553
|
129.061
|
123.147
|
|
19
|
375.762
|
338.841
|
307.369
|
280.379
|
257.094
|
236.890
|
219.263
|
203.801
|
190.171
|
178.095
|
167.346
|
157.737
|
149.109
|
141.332
|
134.294
|
127.902
|
122.076
|
|
20
|
369.176
|
333.419
|
302.872
|
276.619
|
253.925
|
234.200
|
216.961
|
201.817
|
188.447
|
176.587
|
166.018
|
156.560
|
148.059
|
140.389
|
133.442
|
127.128
|
121.370
|
|
21
|
363.242
|
328.597
|
298.932
|
273.383
|
251.254
|
231.983
|
215.113
|
200.269
|
187.145
|
175.488
|
165.086
|
155.767
|
147.382
|
139.809
|
132.945
|
126.700
|
121.001
|
|
22
|
356.719
|
323.209
|
294.451
|
269.630
|
248.090
|
229.297
|
212.818
|
198.295
|
185.436
|
173.999
|
163.781
|
154.616
|
146.361
|
138.899
|
132.128
|
125.965
|
120.335
|
|
23
|
347.597
|
315.454
|
287.806
|
263.893
|
243.099
|
224.925
|
208.960
|
194.869
|
182.373
|
171.244
|
161.290
|
152.350
|
144.291
|
136.997
|
130.374
|
124.339
|
118.823
|
|
24
|
338.705
|
307.896
|
281.336
|
258.315
|
238.257
|
220.692
|
205.237
|
191.573
|
179.439
|
168.616
|
158.924
|
150.209
|
142.343
|
135.218
|
128.741
|
122.835
|
117.432
|
|
25
|
328.247
|
298.901
|
273.544
|
251.518
|
232.289
|
215.420
|
200.549
|
187.381
|
175.669
|
165.209
|
155.828
|
147.383
|
139.753
|
132.833
|
126.538
|
120.792
|
115.531
|
|
26
|
317.160
|
289.317
|
265.202
|
244.211
|
225.848
|
209.707
|
195.454
|
182.812
|
171.550
|
161.477
|
152.431
|
144.278
|
136.902
|
130.207
|
124.109
|
118.538
|
113.432
|
|
27
|
308.427
|
281.819
|
258.723
|
238.575
|
220.915
|
205.362
|
191.605
|
179.382
|
168.478
|
158.711
|
149.928
|
142.003
|
134.824
|
128.301
|
122.355
|
116.917
|
111.929
|
|
28
|
299.953
|
274.545
|
252.440
|
233.116
|
216.143
|
201.168
|
187.898
|
176.089
|
165.537
|
156.072
|
147.549
|
139.848
|
132.866
|
126.513
|
120.716
|
115.410
|
110.539
|
|
29
|
292.328
|
268.002
|
246.791
|
228.208
|
211.855
|
197.399
|
184.567
|
173.129
|
162.893
|
153.698
|
145.408
|
137.908
|
131.099
|
124.899
|
119.235
|
114.045
|
109.277
|
|
30
|
284.852
|
261.572
|
241.228
|
223.367
|
207.617
|
193.669
|
181.265
|
170.191
|
160.266
|
151.337
|
143.276
|
135.974
|
129.337
|
123.287
|
117.754
|
112.681
|
108.015
|
|
31
|
277.780
|
255.487
|
235.961
|
218.782
|
203.604
|
190.138
|
178.141
|
167.413
|
157.782
|
149.107
|
141.264
|
134.150
|
127.678
|
121.770
|
116.363
|
111.399
|
106.830
|
|
32
|
272.278
|
250.816
|
231.976
|
215.367
|
200.664
|
187.594
|
175.931
|
165.483
|
156.091
|
147.618
|
139.948
|
132.982
|
126.637
|
120.839
|
115.527
|
110.646
|
106.150
|
|
33
|
266.962
|
246.303
|
228.129
|
212.073
|
197.830
|
185.147
|
173.809
|
163.636
|
154.476
|
146.201
|
138.700
|
131.879
|
125.658
|
119.968
|
114.749
|
109.949
|
105.523
|
|
34
|
261.783
|
241.891
|
224.353
|
208.827
|
195.028
|
182.716
|
171.692
|
161.785
|
152.851
|
144.768
|
137.431
|
130.751
|
124.652
|
119.068
|
113.940
|
109.219
|
104.863
|
|
35
|
255.151
|
236.142
|
219.345
|
204.444
|
191.174
|
179.313
|
168.673
|
159.096
|
150.445
|
142.607
|
135.483
|
128.989
|
123.052
|
117.609
|
112.606
|
107.996
|
103.738
|
|
36
|
250.971
|
232.629
|
216.385
|
201.946
|
189.062
|
177.524
|
167.156
|
157.808
|
149.352
|
141.679
|
134.695
|
128.321
|
122.486
|
117.131
|
112.204
|
107.658
|
103.456
|
|
37
|
244.543
|
227.026
|
211.480
|
197.632
|
185.251
|
174.143
|
164.145
|
155.114
|
146.933
|
139.498
|
132.722
|
126.529
|
120.853
|
115.638
|
110.834
|
106.398
|
102.293
|
|
38
|
239.226
|
222.410
|
207.455
|
194.106
|
182.149
|
171.403
|
161.713
|
152.947
|
144.994
|
137.756
|
131.151
|
125.106
|
119.560
|
114.458
|
109.754
|
105.406
|
101.379
|
|
39
|
233.114
|
217.065
|
202.760
|
189.965
|
178.482
|
168.143
|
158.804
|
150.341
|
142.651
|
135.643
|
129.238
|
123.369
|
117.977
|
113.012
|
108.428
|
104.187
|
100.255
|
|
40
|
226.807
|
211.519
|
197.863
|
185.624
|
174.619
|
164.691
|
155.708
|
147.555
|
140.134
|
133.361
|
127.162
|
121.475
|
116.243
|
111.420
|
106.963
|
102.834
|
99.002
|
|
41
|
221.551
|
206.924
|
193.832
|
182.073
|
171.480
|
161.906
|
153.229
|
145.340
|
138.149
|
131.576
|
125.553
|
120.018
|
114.922
|
110.217
|
105.865
|
101.829
|
98.080
|
|
42
|
215.691
|
201.747
|
189.239
|
177.983
|
167.823
|
158.625
|
150.273
|
142.669
|
135.726
|
129.371
|
123.539
|
118.173
|
113.226
|
108.654
|
104.420
|
100.490
|
96.835
|
|
43
|
209.132
|
195.900
|
184.006
|
173.282
|
163.583
|
154.787
|
146.787
|
139.491
|
132.819
|
126.703
|
121.083
|
115.906
|
111.127
|
106.705
|
102.605
|
98.796
|
95.250
|
|
44
|
203.448
|
190.856
|
179.514
|
169.267
|
159.983
|
151.547
|
143.862
|
136.841
|
130.411
|
124.509
|
119.077
|
114.067
|
109.436
|
105.146
|
101.164
|
97.461
|
94.010
|
|
45
|
198.567
|
186.543
|
175.691
|
165.866
|
156.948
|
148.830
|
141.422
|
134.644
|
128.427
|
122.711
|
117.444
|
112.580
|
108.078
|
103.903
|
100.023
|
96.411
|
93.041
|
|
46
|
192.423
|
181.043
|
170.750
|
161.413
|
152.922
|
145.179
|
138.101
|
131.614
|
125.654
|
120.168
|
115.104
|
110.422
|
106.083
|
102.054
|
98.305
|
94.811
|
91.549
|
|
47
|
187.361
|
176.534
|
166.721
|
157.803
|
149.677
|
142.254
|
135.456
|
129.217
|
123.477
|
118.183
|
113.292
|
108.763
|
104.561
|
100.654
|
97.015
|
93.620
|
90.446
|
|
48
|
180.786
|
170.586
|
161.323
|
152.889
|
145.189
|
138.143
|
131.680
|
125.738
|
120.263
|
115.207
|
110.529
|
106.190
|
102.160
|
98.409
|
94.911
|
91.644
|
88.587
|
|
49
|
178.021
|
168.188
|
159.240
|
151.078
|
143.614
|
136.772
|
130.486
|
124.698
|
119.357
|
114.418
|
109.841
|
105.593
|
101.642
|
97.960
|
94.523
|
91.309
|
88.300
|
|
50
|
178.579
|
168.911
|
160.097
|
152.042
|
144.663
|
137.888
|
131.653
|
125.904
|
120.591
|
115.672
|
111.108
|
106.866
|
102.916
|
99.231
|
95.788
|
92.565
|
89.544
|
|
51
|
169.232
|
160.321
|
152.181
|
144.728
|
137.887
|
131.595
|
125.795
|
120.437
|
115.479
|
110.881
|
106.609
|
102.632
|
98.925
|
95.462
|
92.222
|
89.186
|
86.337
|
|
52
|
163.246
|
154.872
|
147.207
|
140.174
|
133.708
|
127.750
|
122.249
|
117.160
|
112.442
|
108.061
|
103.984
|
100.185
|
96.638
|
93.321
|
90.214
|
87.299
|
84.561
|
|
53
|
158.124
|
150.210
|
142.952
|
136.282
|
130.137
|
124.466
|
119.222
|
114.362
|
109.851
|
105.656
|
101.747
|
98.100
|
94.690
|
91.498
|
88.505
|
85.694
|
83.051
|
|
54
|
155.458
|
147.839
|
140.840
|
134.396
|
128.450
|
122.954
|
117.864
|
113.141
|
108.751
|
104.663
|
100.849
|
97.287
|
93.953
|
90.828
|
87.896
|
85.139
|
82.544
|
|
55
|
156.946
|
149.395
|
142.446
|
136.037
|
130.116
|
124.633
|
119.549
|
114.824
|
110.427
|
106.328
|
102.499
|
98.918
|
95.564
|
92.417
|
89.461
|
86.679
|
84.059
|
|
56
|
148.857
|
141.907
|
135.498
|
129.577
|
124.095
|
119.011
|
114.288
|
109.893
|
105.795
|
101.969
|
98.392
|
95.040
|
91.897
|
88.944
|
86.167
|
83.551
|
81.083
|
|
57
|
144.429
|
137.860
|
131.792
|
126.175
|
120.966
|
116.127
|
111.625
|
107.428
|
103.510
|
99.847
|
96.416
|
93.199
|
90.178
|
87.336
|
84.660
|
82.137
|
79.755
|
|
58
|
139.951
|
133.750
|
128.010
|
122.688
|
117.745
|
113.145
|
108.859
|
104.858
|
101.117
|
97.615
|
94.331
|
91.247
|
88.348
|
85.618
|
83.044
|
80.615
|
78.319
|
|
59
|
135.648
|
129.793
|
124.365
|
119.324
|
114.633
|
110.261
|
106.181
|
102.367
|
98.796
|
95.448
|
92.304
|
89.349
|
86.567
|
83.945
|
81.470
|
79.131
|
76.919
|
|
60
|
132.330
|
126.770
|
121.606
|
116.801
|
112.323
|
108.143
|
104.235
|
100.577
|
97.147
|
93.927
|
90.899
|
88.049
|
85.363
|
82.829
|
80.434
|
78.168
|
76.023
|
|
61
|
124.891
|
119.813
|
115.088
|
110.684
|
106.572
|
102.727
|
99.126
|
95.750
|
92.581
|
89.600
|
86.794
|
84.149
|
81.652
|
79.293
|
77.062
|
74.948
|
72.945
|
|
62
|
118.927
|
114.233
|
109.857
|
105.772
|
101.951
|
98.373
|
95.018
|
91.867
|
88.905
|
86.116
|
83.486
|
81.005
|
78.660
|
76.442
|
74.341
|
72.349
|
70.459
|
|
63
|
108.371
|
104.283
|
100.464
|
96.891
|
93.543
|
90.401
|
87.450
|
84.673
|
82.058
|
79.591
|
77.262
|
75.060
|
72.976
|
71.001
|
69.129
|
67.351
|
65.661
|
|
64
|
97.960
|
94.441
|
91.147
|
88.058
|
85.157
|
82.430
|
79.863
|
77.443
|
75.159
|
73.001
|
70.960
|
69.027
|
67.194
|
65.454
|
63.802
|
62.230
|
60.735
|
| 1Present value of monthly payments of $1 payable at the end of each month, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8A and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
36.764
|
32.771
|
29.435
|
26.627
|
24.246
|
22.211
|
20.461
|
18.946
|
17.625
|
16.468
|
15.448
|
14.543
|
13.738
|
13.017
|
12.368
|
11.783
|
11.252
|
|
17
|
35.902
|
32.054
|
28.832
|
26.113
|
23.803
|
21.827
|
20.124
|
18.647
|
17.359
|
16.229
|
15.231
|
14.346
|
13.557
|
12.850
|
12.214
|
11.639
|
11.117
|
|
18
|
35.016
|
31.313
|
28.205
|
25.577
|
23.341
|
21.423
|
19.769
|
18.332
|
17.078
|
15.975
|
15.001
|
14.136
|
13.364
|
12.672
|
12.049
|
11.486
|
10.974
|
|
19
|
34.316
|
30.734
|
27.721
|
25.168
|
22.991
|
21.122
|
19.506
|
18.102
|
16.873
|
15.792
|
14.836
|
13.987
|
13.228
|
12.547
|
11.934
|
11.379
|
10.875
|
|
20
|
33.771
|
30.292
|
27.359
|
24.870
|
22.743
|
20.913
|
19.329
|
17.950
|
16.742
|
15.678
|
14.737
|
13.899
|
13.150
|
12.477
|
11.871
|
11.322
|
10.823
|
|
21
|
33.478
|
30.072
|
27.194
|
24.747
|
22.651
|
20.846
|
19.281
|
17.916
|
16.719
|
15.663
|
14.728
|
13.895
|
13.150
|
12.480
|
11.876
|
11.328
|
10.830
|
|
22
|
33.049
|
29.730
|
26.921
|
24.526
|
22.472
|
20.699
|
19.159
|
17.815
|
16.634
|
15.592
|
14.667
|
13.843
|
13.105
|
12.441
|
11.842
|
11.298
|
10.804
|
|
23
|
32.454
|
29.241
|
26.515
|
24.186
|
22.185
|
20.455
|
18.950
|
17.634
|
16.477
|
15.454
|
14.545
|
13.734
|
13.008
|
12.353
|
11.762
|
11.226
|
10.738
|
|
24
|
31.699
|
28.609
|
25.980
|
23.730
|
21.793
|
20.115
|
18.653
|
17.372
|
16.245
|
15.247
|
14.360
|
13.567
|
12.855
|
12.215
|
11.635
|
11.109
|
10.629
|
|
25
|
31.035
|
28.054
|
25.513
|
23.334
|
21.454
|
19.822
|
18.398
|
17.149
|
16.048
|
15.072
|
14.203
|
13.426
|
12.728
|
12.098
|
11.529
|
11.011
|
10.539
|
|
26
|
30.502
|
27.615
|
25.148
|
23.028
|
21.196
|
19.603
|
18.210
|
16.987
|
15.907
|
14.948
|
14.094
|
13.329
|
12.642
|
12.021
|
11.459
|
10.948
|
10.482
|
|
27
|
29.978
|
27.182
|
24.788
|
22.726
|
20.940
|
19.385
|
18.023
|
16.825
|
15.766
|
14.824
|
13.985
|
13.232
|
12.555
|
11.943
|
11.388
|
10.883
|
10.422
|
|
28
|
29.629
|
26.906
|
24.568
|
22.551
|
20.801
|
19.274
|
17.935
|
16.755
|
15.710
|
14.780
|
13.950
|
13.205
|
12.534
|
11.927
|
11.376
|
10.875
|
10.417
|
|
29
|
29.075
|
26.444
|
24.182
|
22.225
|
20.523
|
19.036
|
17.730
|
16.577
|
15.555
|
14.644
|
13.830
|
13.098
|
12.439
|
11.842
|
11.299
|
10.805
|
10.353
|
|
30
|
28.546
|
26.004
|
23.812
|
21.913
|
20.259
|
18.810
|
17.535
|
16.409
|
15.408
|
14.515
|
13.716
|
12.997
|
12.349
|
11.761
|
11.227
|
10.739
|
10.294
|
|
31
|
28.081
|
25.618
|
23.491
|
21.643
|
20.031
|
18.616
|
17.370
|
16.266
|
15.284
|
14.408
|
13.622
|
12.914
|
12.275
|
11.695
|
11.168
|
10.687
|
10.246
|
|
32
|
27.635
|
25.249
|
23.183
|
21.385
|
19.813
|
18.431
|
17.212
|
16.131
|
15.167
|
14.306
|
13.533
|
12.836
|
12.206
|
11.634
|
11.113
|
10.638
|
10.202
|
|
33
|
27.070
|
24.772
|
22.778
|
21.039
|
19.515
|
18.174
|
16.988
|
15.935
|
14.995
|
14.154
|
13.398
|
12.715
|
12.097
|
11.536
|
11.025
|
10.557
|
10.128
|
|
34
|
26.599
|
24.378
|
22.446
|
20.758
|
19.276
|
17.968
|
16.811
|
15.781
|
14.861
|
14.036
|
13.294
|
12.623
|
12.016
|
11.463
|
10.959
|
10.497
|
10.074
|
|
35
|
26.019
|
23.884
|
22.023
|
20.393
|
18.960
|
17.694
|
16.570
|
15.569
|
14.673
|
13.869
|
13.144
|
12.489
|
11.894
|
11.353
|
10.859
|
10.406
|
9.990
|
|
36
|
25.571
|
23.508
|
21.706
|
20.125
|
18.731
|
17.497
|
16.401
|
15.423
|
14.546
|
13.758
|
13.047
|
12.403
|
11.818
|
11.285
|
10.798
|
10.352
|
9.941
|
|
37
|
24.925
|
22.951
|
21.223
|
19.704
|
18.362
|
17.172
|
16.113
|
15.166
|
14.316
|
13.551
|
12.860
|
12.234
|
11.664
|
11.144
|
10.668
|
10.232
|
9.831
|
|
38
|
24.411
|
22.513
|
20.847
|
19.379
|
18.080
|
16.926
|
15.898
|
14.976
|
14.149
|
13.402
|
12.727
|
12.115
|
11.557
|
11.047
|
10.580
|
10.152
|
9.757
|
|
39
|
24.031
|
22.194
|
20.579
|
19.152
|
17.888
|
16.763
|
15.758
|
14.856
|
14.045
|
13.313
|
12.650
|
12.047
|
11.498
|
10.995
|
10.535
|
10.112
|
9.722
|
|
40
|
23.464
|
21.704
|
20.153
|
18.781
|
17.562
|
16.475
|
15.503
|
14.629
|
13.842
|
13.131
|
12.485
|
11.898
|
11.362
|
10.872
|
10.421
|
10.007
|
9.625
|
|
41
|
22.866
|
21.184
|
19.699
|
18.382
|
17.209
|
16.163
|
15.224
|
14.380
|
13.618
|
12.928
|
12.301
|
11.730
|
11.209
|
10.731
|
10.292
|
9.888
|
9.515
|
|
42
|
22.342
|
20.730
|
19.303
|
18.036
|
16.905
|
15.894
|
14.986
|
14.167
|
13.428
|
12.757
|
12.147
|
11.590
|
11.082
|
10.615
|
10.186
|
9.790
|
9.424
|
|
43
|
21.876
|
20.328
|
18.955
|
17.732
|
16.640
|
15.661
|
14.780
|
13.985
|
13.266
|
12.613
|
12.018
|
11.474
|
10.977
|
10.520
|
10.099
|
9.711
|
9.352
|
|
44
|
21.340
|
19.860
|
18.545
|
17.372
|
16.322
|
15.379
|
14.529
|
13.761
|
13.064
|
12.431
|
11.853
|
11.325
|
10.841
|
10.396
|
9.986
|
9.607
|
9.256
|
|
45
|
20.791
|
19.379
|
18.122
|
16.998
|
15.991
|
15.084
|
14.265
|
13.524
|
12.851
|
12.238
|
11.678
|
11.166
|
10.696
|
10.263
|
9.863
|
9.494
|
9.152
|
|
46
|
20.219
|
18.875
|
17.676
|
16.602
|
15.636
|
14.766
|
13.979
|
13.266
|
12.617
|
12.025
|
11.484
|
10.987
|
10.531
|
10.111
|
9.723
|
9.364
|
9.031
|
|
47
|
19.688
|
18.408
|
17.262
|
16.233
|
15.307
|
14.471
|
13.714
|
13.026
|
12.399
|
11.827
|
11.303
|
10.822
|
10.379
|
9.971
|
9.593
|
9.244
|
8.919
|
|
48
|
19.167
|
17.947
|
16.854
|
15.871
|
14.985
|
14.182
|
13.454
|
12.792
|
12.188
|
11.635
|
11.128
|
10.662
|
10.233
|
9.837
|
9.470
|
9.130
|
8.814
|
|
49
|
18.801
|
17.630
|
16.578
|
15.630
|
14.773
|
13.996
|
13.290
|
12.647
|
12.059
|
11.521
|
11.027
|
10.572
|
10.152
|
9.764
|
9.405
|
9.071
|
8.760
|
|
50
|
18.825
|
17.673
|
16.636
|
15.700
|
14.852
|
14.082
|
13.381
|
12.742
|
12.157
|
11.620
|
11.126
|
10.672
|
10.252
|
9.863
|
9.503
|
9.168
|
8.856
|
|
51
|
18.056
|
16.978
|
16.006
|
15.127
|
14.330
|
13.604
|
12.942
|
12.338
|
11.783
|
11.274
|
10.805
|
10.372
|
9.972
|
9.602
|
9.257
|
8.937
|
8.639
|
|
52
|
17.592
|
16.566
|
15.638
|
14.798
|
14.034
|
13.338
|
12.702
|
12.119
|
11.585
|
11.093
|
10.640
|
10.221
|
9.833
|
9.473
|
9.139
|
8.827
|
8.537
|
|
53
|
17.047
|
16.078
|
15.200
|
14.403
|
13.677
|
13.014
|
12.407
|
11.851
|
11.339
|
10.868
|
10.432
|
10.030
|
9.656
|
9.310
|
8.987
|
8.686
|
8.405
|
|
54
|
16.641
|
15.717
|
14.878
|
14.115
|
13.418
|
12.781
|
12.197
|
11.661
|
11.167
|
10.711
|
10.290
|
9.899
|
9.537
|
9.200
|
8.886
|
8.593
|
8.319
|
|
55
|
16.559
|
15.658
|
14.838
|
14.091
|
13.408
|
12.782
|
12.208
|
11.679
|
11.191
|
10.741
|
10.324
|
9.937
|
9.578
|
9.243
|
8.931
|
8.640
|
8.367
|
|
56
|
15.861
|
15.022
|
14.258
|
13.559
|
12.919
|
12.332
|
11.792
|
11.294
|
10.834
|
10.409
|
10.014
|
9.648
|
9.307
|
8.989
|
8.692
|
8.415
|
8.155
|
|
57
|
15.355
|
14.564
|
13.842
|
13.181
|
12.575
|
12.017
|
11.504
|
11.029
|
10.590
|
10.184
|
9.806
|
9.455
|
9.128
|
8.822
|
8.537
|
8.269
|
8.018
|
|
58
|
14.911
|
14.163
|
13.479
|
12.852
|
12.275
|
11.743
|
11.253
|
10.799
|
10.379
|
9.989
|
9.626
|
9.288
|
8.973
|
8.678
|
8.403
|
8.144
|
7.901
|
|
59
|
14.394
|
13.692
|
13.048
|
12.457
|
11.912
|
11.409
|
10.944
|
10.513
|
10.114
|
9.742
|
9.397
|
9.074
|
8.773
|
8.491
|
8.226
|
7.978
|
7.745
|
|
60
|
13.991
|
13.327
|
12.718
|
12.156
|
11.638
|
11.159
|
10.716
|
10.304
|
9.922
|
9.566
|
9.234
|
8.924
|
8.634
|
8.362
|
8.107
|
7.867
|
7.642
|
|
61
|
13.231
|
12.625
|
12.067
|
11.552
|
11.075
|
10.634
|
10.225
|
9.845
|
9.491
|
9.160
|
8.852
|
8.564
|
8.293
|
8.040
|
7.802
|
7.578
|
7.366
|
|
62
|
12.629
|
12.070
|
11.554
|
11.077
|
10.635
|
10.225
|
9.844
|
9.489
|
9.158
|
8.849
|
8.560
|
8.289
|
8.035
|
7.796
|
7.572
|
7.360
|
7.161
|
|
63
|
11.741
|
11.242
|
10.780
|
10.353
|
9.956
|
9.586
|
9.243
|
8.922
|
8.622
|
8.342
|
8.080
|
7.833
|
7.602
|
7.384
|
7.179
|
6.985
|
6.803
|
|
64
|
10.969
|
10.521
|
10.106
|
9.720
|
9.362
|
9.028
|
8.716
|
8.425
|
8.153
|
7.897
|
7.658
|
7.432
|
7.221
|
7.021
|
6.833
|
6.655
|
6.486
|
| 1Present value of annual payments of $1 payable at the beginning of each year, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8B and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
35.764
|
31.771
|
28.435
|
25.627
|
23.246
|
21.211
|
19.461
|
17.946
|
16.625
|
15.468
|
14.448
|
13.543
|
12.738
|
12.017
|
11.368
|
10.783
|
10.252
|
|
17
|
34.902
|
31.054
|
27.832
|
25.113
|
22.803
|
20.827
|
19.124
|
17.647
|
16.359
|
15.229
|
14.231
|
13.346
|
12.557
|
11.850
|
11.214
|
10.639
|
10.117
|
|
18
|
34.016
|
30.313
|
27.205
|
24.577
|
22.341
|
20.423
|
18.769
|
17.332
|
16.078
|
14.975
|
14.001
|
13.136
|
12.364
|
11.672
|
11.049
|
10.486
|
9.974
|
|
19
|
33.316
|
29.734
|
26.721
|
24.168
|
21.991
|
20.122
|
18.506
|
17.102
|
15.873
|
14.792
|
13.836
|
12.987
|
12.228
|
11.547
|
10.934
|
10.379
|
9.875
|
|
20
|
32.771
|
29.292
|
26.359
|
23.870
|
21.743
|
19.913
|
18.329
|
16.950
|
15.742
|
14.678
|
13.737
|
12.899
|
12.150
|
11.477
|
10.871
|
10.322
|
9.823
|
|
21
|
32.478
|
29.072
|
26.194
|
23.747
|
21.651
|
19.846
|
18.281
|
16.916
|
15.719
|
14.663
|
13.728
|
12.895
|
12.150
|
11.480
|
10.876
|
10.328
|
9.830
|
|
22
|
32.049
|
28.730
|
25.921
|
23.526
|
21.472
|
19.699
|
18.159
|
16.815
|
15.634
|
14.592
|
13.667
|
12.843
|
12.105
|
11.441
|
10.842
|
10.298
|
9.804
|
|
23
|
31.454
|
28.241
|
25.515
|
23.186
|
21.185
|
19.455
|
17.950
|
16.634
|
15.477
|
14.454
|
13.545
|
12.734
|
12.008
|
11.353
|
10.762
|
10.226
|
9.738
|
|
24
|
30.699
|
27.609
|
24.980
|
22.730
|
20.793
|
19.115
|
17.653
|
16.372
|
15.245
|
14.247
|
13.360
|
12.567
|
11.855
|
11.215
|
10.635
|
10.109
|
9.629
|
|
25
|
30.035
|
27.054
|
24.513
|
22.334
|
20.454
|
18.822
|
17.398
|
16.149
|
15.048
|
14.072
|
13.203
|
12.426
|
11.728
|
11.098
|
10.529
|
10.011
|
9.539
|
|
26
|
29.502
|
26.615
|
24.148
|
22.028
|
20.196
|
18.603
|
17.210
|
15.987
|
14.907
|
13.948
|
13.094
|
12.329
|
11.642
|
11.021
|
10.459
|
9.948
|
9.482
|
|
27
|
28.978
|
26.182
|
23.788
|
21.726
|
19.940
|
18.385
|
17.023
|
15.825
|
14.766
|
13.824
|
12.985
|
12.232
|
11.555
|
10.943
|
10.388
|
9.883
|
9.422
|
|
28
|
28.629
|
25.906
|
23.568
|
21.551
|
19.801
|
18.274
|
16.935
|
15.755
|
14.710
|
13.780
|
12.950
|
12.205
|
11.534
|
10.927
|
10.376
|
9.875
|
9.417
|
|
29
|
28.075
|
25.444
|
23.182
|
21.225
|
19.523
|
18.036
|
16.730
|
15.577
|
14.555
|
13.644
|
12.830
|
12.098
|
11.439
|
10.842
|
10.299
|
9.805
|
9.353
|
|
30
|
27.546
|
25.004
|
22.812
|
20.913
|
19.259
|
17.810
|
16.535
|
15.409
|
14.408
|
13.515
|
12.716
|
11.997
|
11.349
|
10.761
|
10.227
|
9.739
|
9.294
|
|
31
|
27.081
|
24.618
|
22.491
|
20.643
|
19.031
|
17.616
|
16.370
|
15.266
|
14.284
|
13.408
|
12.622
|
11.914
|
11.275
|
10.695
|
10.168
|
9.687
|
9.246
|
|
32
|
26.635
|
24.249
|
22.183
|
20.385
|
18.813
|
17.431
|
16.212
|
15.131
|
14.167
|
13.306
|
12.533
|
11.836
|
11.206
|
10.634
|
10.113
|
9.638
|
9.202
|
|
33
|
26.070
|
23.772
|
21.778
|
20.039
|
18.515
|
17.174
|
15.988
|
14.935
|
13.995
|
13.154
|
12.398
|
11.715
|
11.097
|
10.536
|
10.025
|
9.557
|
9.128
|
|
34
|
25.599
|
23.378
|
21.446
|
19.758
|
18.276
|
16.968
|
15.811
|
14.781
|
13.861
|
13.036
|
12.294
|
11.623
|
11.016
|
10.463
|
9.959
|
9.497
|
9.074
|
|
35
|
25.019
|
22.884
|
21.023
|
19.393
|
17.960
|
16.694
|
15.570
|
14.569
|
13.673
|
12.869
|
12.144
|
11.489
|
10.894
|
10.353
|
9.859
|
9.406
|
8.990
|
|
36
|
24.571
|
22.508
|
20.706
|
19.125
|
17.731
|
16.497
|
15.401
|
14.423
|
13.546
|
12.758
|
12.047
|
11.403
|
10.818
|
10.285
|
9.798
|
9.352
|
8.941
|
|
37
|
23.925
|
21.951
|
20.223
|
18.704
|
17.362
|
16.172
|
15.113
|
14.166
|
13.316
|
12.551
|
11.860
|
11.234
|
10.664
|
10.144
|
9.668
|
9.232
|
8.831
|
|
38
|
23.411
|
21.513
|
19.847
|
18.379
|
17.080
|
15.926
|
14.898
|
13.976
|
13.149
|
12.402
|
11.727
|
11.115
|
10.557
|
10.047
|
9.580
|
9.152
|
8.757
|
|
39
|
23.031
|
21.194
|
19.579
|
18.152
|
16.888
|
15.763
|
14.758
|
13.856
|
13.045
|
12.313
|
11.650
|
11.047
|
10.498
|
9.995
|
9.535
|
9.112
|
8.722
|
|
40
|
22.464
|
20.704
|
19.153
|
17.781
|
16.562
|
15.475
|
14.503
|
13.629
|
12.842
|
12.131
|
11.485
|
10.898
|
10.362
|
9.872
|
9.421
|
9.007
|
8.625
|
|
41
|
21.866
|
20.184
|
18.699
|
17.382
|
16.209
|
15.163
|
14.224
|
13.380
|
12.618
|
11.928
|
11.301
|
10.730
|
10.209
|
9.731
|
9.292
|
8.888
|
8.515
|
|
42
|
21.342
|
19.730
|
18.303
|
17.036
|
15.905
|
14.894
|
13.986
|
13.167
|
12.428
|
11.757
|
11.147
|
10.590
|
10.082
|
9.615
|
9.186
|
8.790
|
8.424
|
|
43
|
20.876
|
19.328
|
17.955
|
16.732
|
15.640
|
14.661
|
13.780
|
12.985
|
12.266
|
11.613
|
11.018
|
10.474
|
9.977
|
9.520
|
9.099
|
8.711
|
8.352
|
|
44
|
20.340
|
18.860
|
17.545
|
16.372
|
15.322
|
14.379
|
13.529
|
12.761
|
12.064
|
11.431
|
10.853
|
10.325
|
9.841
|
9.396
|
8.986
|
8.607
|
8.256
|
|
45
|
19.791
|
18.379
|
17.122
|
15.998
|
14.991
|
14.084
|
13.265
|
12.524
|
11.851
|
11.238
|
10.678
|
10.166
|
9.696
|
9.263
|
8.863
|
8.494
|
8.152
|
|
46
|
19.219
|
17.875
|
16.676
|
15.602
|
14.636
|
13.766
|
12.979
|
12.266
|
11.617
|
11.025
|
10.484
|
9.987
|
9.531
|
9.111
|
8.723
|
8.364
|
8.031
|
|
47
|
18.688
|
17.408
|
16.262
|
15.233
|
14.307
|
13.471
|
12.714
|
12.026
|
11.399
|
10.827
|
10.303
|
9.822
|
9.379
|
8.971
|
8.593
|
8.244
|
7.919
|
|
48
|
18.167
|
16.947
|
15.854
|
14.871
|
13.985
|
13.182
|
12.454
|
11.792
|
11.188
|
10.635
|
10.128
|
9.662
|
9.233
|
8.837
|
8.470
|
8.130
|
7.814
|
|
49
|
17.801
|
16.630
|
15.578
|
14.630
|
13.773
|
12.996
|
12.290
|
11.647
|
11.059
|
10.521
|
10.027
|
9.572
|
9.152
|
8.764
|
8.405
|
8.071
|
7.760
|
|
50
|
17.825
|
16.673
|
15.636
|
14.700
|
13.852
|
13.082
|
12.381
|
11.742
|
11.157
|
10.620
|
10.126
|
9.672
|
9.252
|
8.863
|
8.503
|
8.168
|
7.856
|
|
51
|
17.056
|
15.978
|
15.006
|
14.127
|
13.330
|
12.604
|
11.942
|
11.338
|
10.783
|
10.274
|
9.805
|
9.372
|
8.972
|
8.602
|
8.257
|
7.937
|
7.639
|
|
52
|
16.592
|
15.566
|
14.638
|
13.798
|
13.034
|
12.338
|
11.702
|
11.119
|
10.585
|
10.093
|
9.640
|
9.221
|
8.833
|
8.473
|
8.139
|
7.827
|
7.537
|
|
53
|
16.047
|
15.078
|
14.200
|
13.403
|
12.677
|
12.014
|
11.407
|
10.851
|
10.339
|
9.868
|
9.432
|
9.030
|
8.656
|
8.310
|
7.987
|
7.686
|
7.405
|
|
54
|
15.641
|
14.717
|
13.878
|
13.115
|
12.418
|
11.781
|
11.197
|
10.661
|
10.167
|
9.711
|
9.290
|
8.899
|
8.537
|
8.200
|
7.886
|
7.593
|
7.319
|
|
55
|
15.559
|
14.658
|
13.838
|
13.091
|
12.408
|
11.782
|
11.208
|
10.679
|
10.191
|
9.741
|
9.324
|
8.937
|
8.578
|
8.243
|
7.931
|
7.640
|
7.367
|
|
56
|
14.861
|
14.022
|
13.258
|
12.559
|
11.919
|
11.332
|
10.792
|
10.294
|
9.834
|
9.409
|
9.014
|
8.648
|
8.307
|
7.989
|
7.692
|
7.415
|
7.155
|
|
57
|
14.355
|
13.564
|
12.842
|
12.181
|
11.575
|
11.017
|
10.504
|
10.029
|
9.590
|
9.184
|
8.806
|
8.455
|
8.128
|
7.822
|
7.537
|
7.269
|
7.018
|
|
58
|
13.911
|
13.163
|
12.479
|
11.852
|
11.275
|
10.743
|
10.253
|
9.799
|
9.379
|
8.989
|
8.626
|
8.288
|
7.973
|
7.678
|
7.403
|
7.144
|
6.901
|
|
59
|
13.394
|
12.692
|
12.048
|
11.457
|
10.912
|
10.409
|
9.944
|
9.513
|
9.114
|
8.742
|
8.397
|
8.074
|
7.773
|
7.491
|
7.226
|
6.978
|
6.745
|
|
60
|
12.991
|
12.327
|
11.718
|
11.156
|
10.638
|
10.159
|
9.716
|
9.304
|
8.922
|
8.566
|
8.234
|
7.924
|
7.634
|
7.362
|
7.107
|
6.867
|
6.642
|
|
61
|
12.231
|
11.625
|
11.067
|
10.552
|
10.075
|
9.634
|
9.225
|
8.845
|
8.491
|
8.160
|
7.852
|
7.564
|
7.293
|
7.040
|
6.802
|
6.578
|
6.366
|
|
62
|
11.629
|
11.070
|
10.554
|
10.077
|
9.635
|
9.225
|
8.844
|
8.489
|
8.158
|
7.849
|
7.560
|
7.289
|
7.035
|
6.796
|
6.572
|
6.360
|
6.161
|
|
63
|
10.741
|
10.242
|
9.780
|
9.353
|
8.956
|
8.586
|
8.243
|
7.922
|
7.622
|
7.342
|
7.080
|
6.833
|
6.602
|
6.384
|
6.179
|
5.985
|
5.803
|
|
64
|
9.969
|
9.521
|
9.106
|
8.720
|
8.362
|
8.028
|
7.716
|
7.425
|
7.153
|
6.897
|
6.658
|
6.432
|
6.221
|
6.021
|
5.833
|
5.655
|
5.486
|
| 1Present value of annual payments of $1 payable at the end of each year, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8B and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
435.648
|
387.731
|
347.698
|
313.994
|
285.408
|
260.988
|
239.982
|
221.794
|
205.946
|
192.054
|
179.807
|
168.952
|
159.280
|
150.622
|
142.836
|
135.804
|
129.426
|
|
17
|
425.313
|
379.125
|
340.451
|
307.825
|
280.100
|
256.375
|
235.936
|
218.213
|
202.750
|
189.181
|
177.205
|
166.580
|
157.107
|
148.619
|
140.981
|
134.078
|
127.815
|
|
18
|
414.679
|
370.230
|
332.928
|
301.396
|
274.549
|
251.537
|
231.680
|
214.437
|
199.374
|
186.139
|
174.447
|
164.064
|
154.797
|
146.489
|
139.007
|
132.241
|
126.099
|
|
19
|
406.279
|
363.281
|
327.118
|
296.484
|
270.355
|
247.918
|
228.528
|
211.666
|
196.918
|
183.944
|
172.470
|
162.271
|
153.162
|
144.988
|
137.622
|
130.957
|
124.903
|
|
20
|
399.731
|
357.976
|
322.780
|
292.904
|
267.373
|
245.411
|
226.401
|
209.847
|
195.348
|
182.578
|
171.273
|
161.213
|
152.221
|
144.146
|
136.863
|
130.269
|
124.276
|
|
21
|
396.215
|
355.335
|
320.800
|
291.425
|
266.275
|
244.605
|
225.817
|
209.434
|
195.065
|
182.396
|
171.167
|
161.167
|
152.220
|
144.179
|
136.922
|
130.348
|
124.369
|
|
22
|
391.070
|
351.241
|
317.518
|
288.776
|
264.121
|
242.840
|
224.361
|
208.223
|
194.051
|
181.540
|
170.440
|
160.545
|
151.683
|
143.713
|
136.515
|
129.989
|
124.051
|
|
23
|
383.931
|
345.370
|
312.649
|
284.702
|
260.683
|
239.915
|
221.851
|
206.052
|
192.159
|
179.879
|
168.972
|
159.238
|
150.513
|
142.658
|
135.559
|
129.119
|
123.255
|
|
24
|
374.875
|
337.780
|
306.231
|
279.229
|
255.977
|
235.834
|
218.286
|
202.915
|
189.379
|
177.399
|
166.745
|
157.227
|
148.687
|
140.992
|
134.032
|
127.713
|
121.955
|
|
25
|
366.907
|
331.128
|
300.629
|
274.472
|
251.903
|
232.318
|
215.227
|
200.234
|
187.012
|
175.295
|
164.863
|
155.533
|
147.154
|
139.597
|
132.756
|
126.540
|
120.873
|
|
26
|
360.506
|
325.852
|
296.247
|
270.803
|
248.807
|
229.686
|
212.973
|
198.288
|
185.321
|
173.815
|
163.559
|
154.377
|
146.123
|
138.672
|
131.921
|
125.783
|
120.183
|
|
27
|
354.222
|
320.659
|
291.922
|
267.173
|
245.737
|
227.069
|
210.725
|
196.343
|
183.626
|
172.327
|
162.244
|
153.208
|
145.076
|
137.729
|
131.067
|
125.005
|
119.471
|
|
28
|
350.036
|
317.344
|
289.290
|
265.080
|
244.070
|
225.741
|
209.667
|
195.501
|
182.957
|
171.798
|
161.828
|
152.883
|
144.825
|
137.539
|
130.927
|
124.905
|
119.404
|
|
29
|
343.388
|
311.810
|
284.651
|
261.163
|
240.740
|
222.891
|
207.212
|
193.372
|
181.099
|
170.167
|
160.388
|
151.604
|
143.683
|
136.514
|
130.002
|
124.067
|
118.641
|
|
30
|
337.037
|
306.521
|
280.217
|
257.421
|
237.561
|
220.172
|
204.872
|
191.345
|
179.333
|
168.619
|
159.022
|
150.393
|
142.603
|
135.546
|
129.131
|
123.279
|
117.924
|
|
31
|
331.452
|
301.893
|
276.357
|
254.182
|
234.826
|
217.848
|
202.884
|
189.634
|
177.852
|
167.328
|
157.892
|
149.396
|
141.720
|
134.759
|
128.425
|
122.644
|
117.350
|
|
32
|
326.099
|
297.458
|
272.661
|
251.083
|
232.212
|
215.629
|
200.990
|
188.009
|
176.448
|
166.109
|
156.826
|
148.461
|
140.894
|
134.025
|
127.771
|
122.056
|
116.821
|
|
33
|
319.321
|
291.737
|
267.802
|
246.930
|
228.641
|
212.540
|
198.303
|
185.657
|
174.378
|
164.278
|
155.198
|
147.006
|
139.588
|
132.847
|
126.704
|
121.086
|
115.934
|
|
34
|
313.676
|
287.009
|
263.819
|
243.555
|
225.764
|
210.074
|
196.176
|
183.813
|
172.770
|
162.868
|
153.956
|
145.905
|
138.607
|
131.969
|
125.914
|
120.372
|
115.286
|
|
35
|
306.716
|
281.085
|
258.746
|
239.185
|
221.978
|
206.775
|
193.285
|
181.266
|
170.515
|
160.861
|
152.160
|
144.291
|
137.150
|
130.649
|
124.712
|
119.274
|
114.280
|
|
36
|
301.340
|
276.573
|
254.940
|
235.958
|
219.228
|
204.419
|
191.257
|
179.512
|
168.990
|
159.529
|
150.991
|
143.260
|
136.237
|
129.837
|
123.987
|
118.624
|
113.693
|
|
37
|
293.586
|
269.890
|
249.147
|
230.907
|
214.799
|
200.515
|
187.797
|
176.430
|
166.231
|
157.047
|
148.749
|
141.225
|
134.383
|
128.140
|
122.429
|
117.187
|
112.365
|
|
38
|
287.419
|
264.626
|
244.629
|
227.009
|
211.419
|
197.569
|
185.216
|
174.157
|
164.220
|
155.260
|
147.154
|
139.795
|
133.095
|
126.976
|
121.372
|
116.224
|
111.485
|
|
39
|
282.861
|
260.805
|
241.413
|
224.291
|
209.113
|
195.605
|
183.537
|
172.716
|
162.978
|
154.186
|
146.222
|
138.984
|
132.386
|
126.354
|
120.824
|
115.741
|
111.057
|
|
40
|
276.050
|
254.921
|
236.303
|
219.830
|
205.199
|
192.153
|
180.478
|
169.993
|
160.543
|
151.999
|
144.248
|
137.195
|
130.759
|
124.868
|
119.463
|
114.489
|
109.901
|
|
41
|
268.879
|
248.685
|
230.851
|
215.041
|
200.969
|
188.400
|
177.132
|
166.996
|
157.847
|
149.563
|
142.038
|
135.183
|
128.919
|
123.180
|
117.908
|
113.052
|
108.570
|
|
42
|
262.592
|
243.236
|
226.106
|
210.888
|
197.318
|
185.175
|
174.271
|
164.445
|
155.564
|
147.511
|
140.186
|
133.504
|
127.392
|
121.787
|
116.632
|
111.880
|
107.489
|
|
43
|
256.999
|
238.410
|
221.923
|
207.246
|
194.134
|
182.379
|
171.805
|
162.262
|
153.623
|
145.778
|
138.634
|
132.108
|
126.132
|
120.645
|
115.594
|
110.934
|
106.623
|
|
44
|
250.564
|
232.800
|
217.010
|
202.925
|
190.317
|
178.994
|
168.790
|
159.566
|
151.203
|
143.597
|
136.661
|
130.318
|
124.502
|
119.156
|
114.229
|
109.679
|
105.466
|
|
45
|
243.970
|
227.026
|
211.933
|
198.442
|
186.342
|
175.454
|
165.625
|
156.726
|
148.645
|
141.285
|
134.564
|
128.409
|
122.759
|
117.559
|
112.762
|
108.327
|
104.216
|
|
46
|
237.111
|
220.980
|
206.579
|
193.681
|
182.090
|
171.641
|
162.193
|
153.625
|
145.832
|
138.724
|
132.224
|
126.264
|
120.786
|
115.739
|
111.078
|
106.764
|
102.763
|
|
47
|
230.743
|
215.364
|
201.606
|
189.259
|
178.141
|
168.101
|
159.007
|
150.747
|
143.222
|
136.349
|
130.055
|
124.277
|
118.960
|
114.056
|
109.522
|
105.321
|
101.420
|
|
48
|
224.483
|
209.844
|
196.719
|
184.916
|
174.268
|
164.635
|
155.893
|
147.940
|
140.683
|
134.046
|
127.959
|
122.364
|
117.208
|
112.447
|
108.040
|
103.953
|
100.154
|
|
49
|
220.098
|
206.036
|
193.403
|
182.019
|
171.730
|
162.404
|
153.927
|
146.202
|
139.144
|
132.678
|
126.740
|
121.275
|
116.234
|
111.572
|
107.254
|
103.244
|
99.514
|
|
50
|
220.385
|
206.552
|
194.099
|
182.856
|
172.676
|
163.433
|
155.019
|
147.338
|
140.311
|
133.865
|
127.938
|
122.476
|
117.432
|
112.764
|
108.434
|
104.411
|
100.665
|
|
51
|
211.149
|
198.213
|
186.544
|
175.986
|
166.408
|
157.696
|
149.750
|
142.486
|
135.828
|
129.712
|
124.080
|
118.883
|
114.077
|
109.624
|
105.488
|
101.642
|
98.056
|
|
52
|
205.581
|
193.263
|
182.128
|
172.034
|
162.859
|
154.498
|
146.860
|
139.866
|
133.446
|
127.539
|
122.093
|
117.061
|
112.401
|
108.079
|
104.060
|
100.318
|
96.827
|
|
53
|
199.047
|
187.411
|
176.869
|
167.293
|
158.572
|
150.611
|
143.325
|
136.641
|
130.496
|
124.835
|
119.607
|
114.770
|
110.285
|
106.119
|
102.242
|
98.627
|
95.251
|
|
54
|
194.178
|
183.081
|
173.007
|
163.838
|
155.473
|
147.822
|
140.808
|
134.365
|
128.431
|
122.956
|
117.894
|
113.204
|
108.850
|
104.801
|
101.028
|
97.507
|
94.215
|
|
55
|
193.186
|
182.366
|
172.524
|
163.549
|
155.346
|
147.831
|
140.930
|
134.580
|
128.725
|
123.315
|
118.306
|
113.659
|
109.341
|
105.320
|
101.570
|
98.066
|
94.788
|
|
56
|
184.815
|
174.741
|
165.558
|
157.167
|
149.483
|
142.430
|
135.943
|
129.963
|
124.440
|
119.329
|
114.590
|
110.187
|
106.091
|
102.271
|
98.704
|
95.368
|
92.243
|
|
57
|
178.739
|
169.246
|
160.575
|
152.636
|
145.351
|
138.653
|
132.482
|
126.783
|
121.512
|
116.626
|
112.089
|
107.869
|
103.936
|
100.266
|
96.834
|
93.620
|
90.606
|
|
58
|
173.415
|
164.435
|
156.216
|
148.677
|
141.746
|
135.362
|
129.469
|
124.020
|
118.970
|
114.284
|
109.925
|
105.866
|
102.078
|
98.538
|
95.224
|
92.117
|
89.201
|
|
59
|
167.211
|
158.779
|
151.046
|
143.938
|
137.392
|
131.351
|
125.766
|
120.592
|
115.792
|
111.329
|
107.173
|
103.296
|
99.674
|
96.285
|
93.109
|
90.128
|
87.327
|
|
60
|
162.373
|
154.403
|
147.079
|
140.334
|
134.110
|
128.356
|
123.027
|
118.083
|
113.488
|
109.210
|
105.220
|
101.493
|
98.007
|
94.740
|
91.675
|
88.795
|
86.086
|
|
61
|
153.255
|
145.973
|
139.266
|
133.077
|
127.355
|
122.055
|
117.137
|
112.566
|
108.311
|
104.343
|
100.636
|
97.169
|
93.920
|
90.873
|
88.009
|
85.315
|
82.777
|
|
62
|
146.029
|
139.312
|
133.112
|
127.380
|
122.070
|
117.142
|
112.562
|
108.297
|
104.320
|
100.605
|
97.130
|
93.874
|
90.819
|
87.949
|
85.249
|
82.705
|
80.306
|
|
63
|
135.377
|
129.378
|
123.830
|
118.689
|
113.916
|
109.479
|
105.347
|
101.493
|
97.892
|
94.522
|
91.365
|
88.403
|
85.620
|
83.000
|
80.533
|
78.205
|
76.007
|
|
64
|
126.108
|
120.724
|
115.734
|
111.100
|
106.790
|
102.775
|
99.029
|
95.529
|
92.253
|
89.182
|
86.300
|
83.592
|
81.043
|
78.641
|
76.375
|
74.234
|
72.210
|
| 1Present value of monthly payments of $1 payable at the beginning of each month, starting with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the stated annual effective interest rate, and survivorship experience shown in tables 8B and 8C. |
|
Select
age |
Actuarial present value of $1 annuity
|
||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
1.0%
|
1.5%
|
2.0%
|
2.5%
|
3.0%
|
3.5%
|
4.0%
|
4.5%
|
5.0%
|
5.5%
|
6.0%
|
6.5%
|
7.0%
|
7.5%
|
8.0%
|
8.5%
|
9.0%
|
|
|
16
|
434.648
|
386.731
|
346.698
|
312.994
|
284.408
|
259.988
|
238.982
|
220.794
|
204.946
|
191.054
|
178.807
|
167.952
|
158.280
|
149.622
|
141.836
|
134.804
|
128.426
|
|
17
|
424.313
|
378.125
|
339.451
|
306.825
|
279.100
|
255.375
|
234.936
|
217.213
|
201.750
|
188.181
|
176.205
|
165.580
|
156.107
|
147.619
|
139.981
|
133.078
|
126.815
|
|
18
|
413.679
|
369.230
|
331.928
|
300.396
|
273.549
|
250.537
|
230.680
|
213.437
|
198.374
|
185.139
|
173.447
|
163.064
|
153.797
|
145.489
|
138.007
|
131.241
|
125.099
|
|
19
|
405.279
|
362.281
|
326.118
|
295.484
|
269.355
|
246.918
|
227.528
|
210.666
|
195.918
|
182.944
|
171.470
|
161.271
|
152.162
|
143.988
|
136.622
|
129.957
|
123.903
|
|
20
|
398.731
|
356.976
|
321.780
|
291.904
|
266.373
|
244.411
|
225.401
|
208.847
|
194.348
|
181.578
|
170.273
|
160.213
|
151.221
|
143.146
|
135.863
|
129.269
|
123.276
|
|
21
|
395.215
|
354.335
|
319.800
|
290.425
|
265.275
|
243.605
|
224.817
|
208.434
|
194.065
|
181.396
|
170.167
|
160.167
|
151.220
|
143.179
|
135.922
|
129.348
|
123.369
|
|
22
|
390.070
|
350.241
|
316.518
|
287.776
|
263.121
|
241.840
|
223.361
|
207.223
|
193.051
|
180.540
|
169.440
|
159.545
|
150.683
|
142.713
|
135.515
|
128.989
|
123.051
|
|
23
|
382.931
|
344.370
|
311.649
|
283.702
|
259.683
|
238.915
|
220.851
|
205.052
|
191.159
|
178.879
|
167.972
|
158.238
|
149.513
|
141.658
|
134.559
|
128.119
|
122.255
|
|
24
|
373.875
|
336.780
|
305.231
|
278.229
|
254.977
|
234.834
|
217.286
|
201.915
|
188.379
|
176.399
|
165.745
|
156.227
|
147.687
|
139.992
|
133.032
|
126.713
|
120.955
|
|
25
|
365.907
|
330.128
|
299.629
|
273.472
|
250.903
|
231.318
|
214.227
|
||||||||||