Institute and Faculty of Actuaries

On the Graduation of the British Offices Annuity Experience, (1863-1893), by the Graphic
Method
Author(s): James Chatham
Source: Journal of the Institute of Actuaries (1886-1994), Vol. 37, No. 5 (APRIL 1903), pp. 526-
540
Published by: Cambridge University Press on behalf of the Institute and Faculty of Actuaries
Stable URL: http://www.jstor.org/stable/41136562 .
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526 On the Graduationof the [April

On the Graduationof the British OfficesAnnuity Experience,

(1863-1893), by the Graphic Method,by James Chatham,
F.I.A., F.F.A.*
1-HE Joint Committee on Mortality Investigation asked
Dr. Spraguesometime ago to graduate the AnnuityExperience
by the GraphicMethodwith the viewof determiningthe period
duringwhich selectionlasts ; but as he was too fullyoccupied
to allow of his personallyundertakingthe proposed graduation,
the workwas undertakenby the writeron principlesarrangedin
consultationwithDr. Sprague.
As the investigationwas to a great extentexperimental, the
femaleannuityexperience,in which class the observationsare
mostnumerous,was dealt with first. The numbersenteringat
each age are, comparativelyspeaking,small,and the numbersat
riskand the deaths,forfive ages at entry,were thereforeadded
togetherforeach of the 20 yearsfollowingthe date of purchase;
the groups so dealt with being those for ages at entry50-54,
55-59 . . . 80-84, and the results have been treatedas if they
wereforages at entry52, 57 ... 82. The numbersat risk and
the deaths thus obtained were then grouped in the manner
describedin Dr. Sprague's Paper on " The Graphic Method of
Adjusting MortalityTables" (J.I.A., xxvi,77), so as to bring
out the law which they follow. The results showed that,
although selectionenduresat some ages at entryfor a longer
period than 10 years,yet for all practicalpurposesit may be
taken as ceasing after that period. As a rule, the period
diminishesas the age at entrybecomes greater. The graduation
was thereforeproceededwithon the assumptionthat the period
duringwhich selection endureswas 10 years,and the ultimate
curveformed.
What may be called the initial curve,showingthe rate of
mortalityin the yearimmediatelyfollowingthe date of purchase,
was so regularthatverylittle adjustmentof it was necessary.
The partialcurvesshowinghow the adjusted mortality proceeds
duringthe 2nd, 3rd .... 10th yearsafterdate of purchasewere
thenformed. The high death-ratein the secondyearafterentry
as it occursin mostof the partial
is a featureof the observations,
curves. A referenceto the observationsshowed that in fourof
* Thismemorandum wasprepared of
at therequestof the JointCommittee
andspaceis gladlyfoundforit in theJournalof
andtheFaculty,
theInstitute
- Ed. J.I.A.
ofActuaries,
theInstitute

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1903.] BritishOffices
AnnuityExperience. 527
the sevengroupsof ages at entry,the death-rateforthe second
yearafterentryis actuallyhigherthanthe rateforthe thirdyear,
while in a fifthit is only a little less. The rates of mortality
during each year followingpurchase were thus obtained for
quinquennialages at entry.
As the assumed age at entrywas not the true average age,
beforeinterpolatingfor the intermediateages, it was necessary
firstof all to correctthe rates so as to obtain the rates during
each year forexact quinquennial ages at entry. This was done
by first differences. Dr. Sprague's formulaof interpolation
(J.I. A.yxxii, 270) was then applied to the correctedrates so
found,and the rates at intermediateages obtained. When the
data weretoo scantyto admitof its application,the interpolation
proceededon theassumptionofconstantfourthorthirddifferences,
as thereexplained. It was found necessary,however,to slightly
adjust some of the figuresthus obtained,in order to have a
smootherprogressionin the ratesof mortality.
The maleannuityexperiencewas dealtwithin a similarmanner.
The regularity in the ratesobservedamongthe femaleannuitants
was not experiencedin thisinstance,as the numbersat riskand
the deathsare muchsmaller,being onlyabout one-third ; but the
same featureswerefound to be commonto both,namely,a rapid
increase in the rate of mortality immediatelyafterentry,and a
slackening of it althoughtheywerenotso pronounced
afterwards,
as in the case of the females.
Tables of l[x-t]+t, d[x_t]+t,p[x_t]+t, ?[*-«+& ei*-t]+t> iov both
males and femalesare appended.
The rates of Mortalityfor males and femalesmay now be
compared,and this is done in thefollowingTable forquinquennial
aees :
New AnnuityExperience - Males and Females.

Difference
First Year Ultimate between First
Qm q Year & Ultimate
^C ] qx χ 10,000
Age
""
χ
Males Females Males Females Males Females
™f$$? D^JJe
(1) 09 (3) (4) (5) (6) (7) (8) (9)

52 -0100 -0085 15 Ό224 Ό152 72 124 67

57 -0146 -0098 48 Ό314 -0172 142 168 74
62 -0228 Ό139 89 Ό417 Ό236 181 189 97
67 Ό336 -0214 122 Ό524 Ό371 153 188 157
72 Ό479 Ό341 138 *O7l9 0561 158 240 220
77 -0743 -0529 214 -1112 Ό861 251 369 332
82 -1055 -0761 294 Ί653 -1355 298 598 594

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528 On the Graduationof the [April
Thisis a severetestofthemethodofgraduationadopted,butthe
differences show that the rates proceed with great regularity.
The superiority of female annuitantlife to male is well-known^
and is clearlyshownin the aboveTable ; but it is not so generally
known that, as shown by the last two columns,the difference
betweenthe firstyear's rate and the ultimateis greaterin the
case of males than females. If insteadof the difference between
these two rates the ratio is compared,the above featurestill
holds good at the lower ages, but not at the higher. The
difference betweenthe two sexesforthe firstyear,given in the
fourthcolumn,steadilyincreasesthroughout, and is in everycase
less thanthe difference betweenthe ultimateratesin the seventh
column.
It will be interestingto see how the GovernmentAnnuity
Rates comparewith those of the new experience,and the same
particularsrelatingto themare givenin the followingTable :
Government Experience (1883)- -Males and Females.
Difference
First Year Ultimate between
n First Year
2M 2* and Ultimate
Α=β χ 10,000
χ _ _ ._

Males Females^o^f Males Females Males Females

^o^oT
(1) ('->) (3) (4) (5) (6) (7) (8) (9)

52 -0152 -0082 70 -0229 -0151 78 77 69

57 -0196 -0093 103 "0263 Ό194 69 67 101
62 -0252 Ό125 127 Ό301 "0248 53 49 123
67 Ό324 -0220 104 -0490 -0375 115 166 155
72 -0422 Ό359 63 '0734 -0565 169 312 206
77 -0562 -0523 39 Ί085 Ό921 164 523 398

The ratesforGovernment males in thefirstyearare verymuch

higher at the younger ages, and considerablyless at the older
ages, than in the new experience ; but this is probablydue to the
methodof adjustmentadopted. It is hardlylikelythatthe rate
for males at age 52 at entryis 85 per-cent greaterthanthatfor
females, while at age 77 it is only 7' per-centgreater. The
ultimaterate formales is, as was to be expected,almostinvariably
less than that of the new experience,because it appliesto four
years and upwards from purchase; but at age 62 it is very
considerablyless, and this is due to a suddenbreak in the curve
of mortalityat that age, caused probably by the joining
of two differentmethodsof graduation. The ratesforfemales,on

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1903.] British Offices
AnnuityExperience. 529
the otherhand,agreeverycloselywiththoseofthenewexperience,
notwithstanding the greater period during which selectionhas
been given effectto in it. The result is, however,that the
differences betweeen the two sexes do not run regularly - for
instance,thosein the fourthcolumnattain a maximumand then
diminish; but on the wholethe resultsofthe new experienceare
confirmed.
It will also be interesting
to see how the rates of Mortality
among assured lives compare with those of annuitants. The
graduatedratesforthe formerare not publishedyet; but it will
be sufficient to use in the meantimerates obtained from the
Unadjusted Whole-Life Assurance Experiencerecentlypublished,
relating to males and females who effectedpolicies with
participationin profits. The method by which they were
obtained is similar to that employed in the New Annuity
Experience,and they are given in the followingTable along
with those for annuitants. The ultimate rate for assured
liveshas been takenfromthe " AggregateTables", excludingthe
firstten yearsof assurance.
JVeivExperience- Annuitantsand AssuredLives.
Difference
First Year Ultimate between First
qllX}, Q
*X
Year and
A,Aq ULTIMATE
' '
X
Annui- Assured Difference Annui- Assured Difference Annui- Assured
tants Lives χ 10,000 tants Lives χ 10,000 tants Lives

(1) (2) (3) (4) (5) (6) (7) (8) (0)

Males

52 -0100 -0O91 9 Ό224 Ό171 53 124 80

57 -0146 -0123 23 Ό314 Ό241 73 168 118
62 -0228 -0172 56 Ό417 '0332 85 189 160
67 -0336 -0232 104 -0524 -0487 37 188 255
72 -0479 -0366 113 Ό719 -0745 -26 240 379
77 -0743 -0266 477 Ί112 -1091 21 369 825
82 ... ... ... -1653 -1629 24

Females

52 Ό085 -0089 - 4 Ό152 Ό190 - 38 67 101

57 -ΟΟ98 -0125 -27 Ό172 Ό228 - 56 74 103
62 0139 -0186 -47 Ό236 0280 - 44 97 94
67 -0214 -0225 -11 Ό371 Ό441 - 70 157 216
72 -0341 -0312 29 Ό561 -0647 - 86 220 335
77 ... ... ... -0861 -0952 - 91
82 ... ... ... -1355 -1564 -209

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530 On the Graduationof the [April

Dealing firstwithmales,it willbe seen thatboththefirstyear's

and the ultimaterateamong assuredlives,is, withone exception,
less thanthatforannuitants,showingthatthe medicalexamination
in the case of assured lives is much more efficacious than the
self-selectionin the case of annuitants. Withfemalesit is exactly
the opposite. In their case the rate, whetherfirstyear's or
ultimate,is, withone exception,greateramongassured lives than
annuitants. These results maybe somewhatmodifiedwhen the
adjustedratesare obtained,but it is probablethat the rates for
males and femaleswill be similarlyaffected.

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 1903.] BritishOffices
Annuity
Experience. 531
British Offices Annuity Experience, 1863-1893.
Graduatedby the GraphicMethod.- Males.
_- Years elapsed since Purchase
e§ .
%$ I ! io
-£0123456789 and
upwards
x h
1'X' '[as-l]+l|^[Ä-2j+2 '[as-3j+3!^Tx-4]+4?[x-5]+5 '[χ-β]+6 fe-7]+7 f[as-8]+8?[ζ-9]+9
"5Õ~Í00ÕÕ0" !lO5O5O
51 97382 99117 Í103010
52 94622 96472 97861 100850
53 91785 93681 95192 96276 98594
54 88908 90807 92374 93579 94395 96228
55 86038 87890 89471 90738 91662 92327 93754
56 83199 84975 86515 87807 88797 89549 90157 91176
57 80421 82082 83556 84824 85846 86650 87325 87835 88495
58 77718 79245 80612 81831 82846 83676 84382 84957 85369 ... 85716
59 75090 76477 77714 78848 79831 80655 81371 81980 82448 82735 82853
60 72484 73777 74881 75903 76823 77621 78320 78944 79444 79776 79921
61 69852 71097 72106 73015 73845 74593 75258 75872 76387 76749 76924
62 67151 68393 69351 70176 70917 71593 72205 72790 73298 73677 73877
63 64369 65624 66575 67357 68028 68637 69182 69717 70200 70578 70796
64 61508 62778 63744 64518 65155 65714 66202 66673 67110 67471 67696
65 58550 59859 60847 61631 62269 62804 63253 63666 64049 64372 64588
66 55493 56851 57884 58687 59342 59884 60316 60686 61017 61297 61488
67 52352 53758 54843 55681 56366 56930 57371 57717 58007 58248 58408
68 49330 50593 51726 52607 53336 53932 54395 54741 55002 55214 55348
69 46309 47554 48547 49469 50244 50884 51378 51739 51996 52184 52299
70 43288 44531 45497 46281 47096 47778 48314 48702 48971 49150 49249
71 40271 41511 42470 43226 43906 44623 45195 45622 45916 46097 46191
72 37281 38492 39450 40201 40845 41434 42033 42493 42821 43017 43115
73 34584 35494 36436 37190 37819 38371 38843 39328 39685 39906 40015
74 31943 32778 33443 34185 34810 35343 35775 36142 36520 36765 36889
75 29305 30120 30721 31203 31811 32335 32743 33077 33343 33610 33747
76 26612 27477 28063 28480 28841 29343 29749 30059 30287 30462 30605
77 23919 24799 25433 25826 26119 26386 26779 27080 27285 27389 27489
78 21221 22143 22788 23210 23471 23668 23859 24144 24334 24379 24432
79 18632 19510 20186 20601 20873 21032 21125 21276 21444 21453 21471
80 16177 17009 17633 18056 18301 18460 18481 18544 18643 18643 18643
81 13854 14664 15231 15587 15813 15938 15942 15950 15985 15985 15985
82 11672 12472 13002 13288 13432 13526 13526 13526 13526 13526 13526
83 ... 10440 10943 11180 11243 11290 11290 11290 11290 11290 11290
84 ... ... 9060 9261 9276 9292 9292 9292 9292 9292 9292
85 ... 7536 7536 7536 7536 7536 7536 7536 7536
86 ... 6021 6021 6021 6021 6021 6021 6021
87 ... 4739 4739 4739 4739 4739 4739
88 ... 3672 3672 3672 3672 3672
89 ... 2802 2802 2802 2802
90 ... 2104 2104 2104
91 ... 1553 1553
92 ... 1127
93 ... 804
94 ... 563
95 ... 386
96 ... 260
97 ... 171
98 ... 109
99 ... 68
100 ... 41
101 ... 22
102 ... 8_

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 532 OntheGraduation
ofthe [April
British Offices Annuity Experience, 1863-1893.
- Females.
Graduatedhy the Graphic Method.
r-3 Years elapsed since Purchase
^ ""■" " """ " , . " """ ""
9S I io
£0 123456789 and
upwards
X hx] i^x-ll+l hx-'2]+2 kx-3]+3 fe-4]+4 ^C-5]-f5fe-6]+6 kx-7]+7 ^[x-8]+8 ^-9J+9 b
50 100000 Í102750
51 98401 99159 101210
52 96857 97571 98078 99683
53 95389 96037 96505 96863 ! 98168
54 94580 94986 95308 95550 ' i 96656
93990
55 92640 94013 ! ... ! 95139
93177 93545 93806 94202 ...
56 91142 91816 92157 92383 92529 92679 92847 ! 93607
57 89495 90296 90778 91012 91126 91201 91327 91485 92053
58 87712 88622 189220 89607 89741 89782 89842 89954 90103 ... 90471
59 85773 86802 87490 87995 88288 88349 88383 88438 88532 88671 88842
60 83680 84824 85609 86201 86612 86824 86880 86908 86954 87036 87155
61 81424 82686 83562 84246 84742 85067 85218 85265 85283 85316 85385
62 79037 80380 81352 82120 82705 83109 83357 83462 83491 83503 83524
63 76528 77940 78975 79833 80495 80980 81294 81476 81542 81549 81553
64 73923 75375 76463 77378 78125 78683 79066 79296 79418 79446 79449
65 71234 72713 73828 74793 75594 76229 76678 76959 177112 77177 77193
66 68487 69963 71095 72088 72936 73622 74140 74475 74662 74752 74784
67 65692 67152 68276 69288 70160 70891 71458 71852 72076 72190 72234
68 62913 64288 65394 66403 67293 68047 68656 69096 69363 69501 69554
69 60152 61437 62458 63459 64343 65113 65749 66225 66527 66688 66751
70 57413 58602 59533 60459 61337 62098 62752 63254 63583 63756 63828
71 54733 55788 56621 57470 58279 59028 59675 60194 60541 60717 60790
72 52026 53031 53727 54493 55227 55907 56537 57051 57409 57582 57647
73 49247 50249 50879 51523 52178 52787 53343 53838 54193 54361 54414
74 46454 47396 47999 48578 49126 49660 50140 50563 50900 51062 51100
75 43636 44540 45046 45580 46085 46518 46918 47264 47538 47694 47717
76 40787 41674 42092 42497 42976 43373 43671 43934 44144 44265 44276
77 37739 38794 39135 39409 39775 40149 40412 40568 40711 40787 40792
78 34423 35741 36175 36320 36555 36829 37072 37181 37238 37279 37279
79 31025 32454 33070 33240 33328 33484 33645 33716 33747 33761 33761
80 27650 29112 29776 30050 30104 30132 30213 30250 30266 30266 30266
81 24342 25817 26467 26726 26791 26793 26817 26827 26834 26834 26834
82 21142 22610 23241 23437 23502 23504 23504 23504 23504 23504 23504
83 ... 19534 20142 20284 20317 20319 20319 20319 20319 20319 20319
84 ... ... 17210! 17308 17322 j 17322 17322 17322 17322 17322 17322
85 ... 14547 14547 14547 14547 14547 14547 14547 14547
86 ... ! ! ... 12022 12022 12022 12022 12022 12022 12022
87 ... i 9764 9764 9764 9764 9764 9764
88 ... .. . | 7784 7784 7784 7784 7784
89 ... 6082 6082 6082 6082
90 ' ' . 4652 4652 4652
91 i . . 3477 3477
92 '.'.'. - 2537
93 ··. 1804
94 , 1249
95 '.!'. '.'.'. '..'. '.'.'. '.'. '.'.I ''. ... 841
96 550
97 349
98 214
99 127
100 73
101 I 40
102 21
103 10
104 . 3_

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 1903.1 BritishOffices
AnnuityExperience. 533
British Offices Annuity Experience, 1863-1893.
Graduatedhy the GraphicMethod.- Males.

^ Years elapsed since Purchase

-
11 j- 3 ; lT"
3 O 1 2 j 4 5 6 7 8 9 and
j upwards
X d[x' 'd[x-i]+i'cl[x-2)+2'd[x-3}+^ ^x
~5(Γ 883 ... ... j I ... i 2040
51 910 1256 ... Í | | ... ! 2160
52 941 1280 1585 | ! I ... j 2256
53 978 1307 1613 1881 I 2366
54 1018 1336 1636 1917 2068 2A74
55 1063 1375 1664 1941 2113 2170 ·■· 2578
56 1117 1419 1691 1961 2147 2224 2322 ... | 2681
57 1176 1470 1725 1978 2170 2268 2368 2466 I 2779
58 1241 1531 1764 2000 2191 2305 2402 2509 263^ ■·· 2863
|
59 1313 1596 1811 ' 2025 2210 2335 2427 2536 2672 2814 2932
I 60 1387 1671 1866 2058 2230 2363 2448 2557 26^5 2852 2997
; 61 1459 1746 1930 2098 2252 2388 2468 2574 27l0 2872 3047
62 1527 1818 1994 2148 2280 2411 2488 2590 2720 2881 308I
63 1591 1880 2057 2202 2314 2435 2509 2607 2?29 2^82 3100
! 64 1649 1931 2113 2249 2351 2461 2536 2624 2738 2883 3108
65 1699 1975 2160 2289 2385 2488 2567 2649 2752 2884 3100
i 66 1735 2008 2203 2321 2412 2513 2599 2679 2769 2889 3Ο8Ο
I 67 1759 2032 2236 2345 2434 2535 2630 2715 2793 2900 3Ο6Ο
! 68 1776 2046 2257 2363 2452 2554 2656 2745 2818 2915 3049
: 69 1778 2057 2266 I 2373 2466 2570 2676 2768 2846 2935 3050
' 2874 2959 3058
! 70 1777 2061 2271 2375 2473 2583 2692 2786
I 71 1779 2061 2269 2381 2472 2590 2702 2801 2899 2982 3076
72 1787 2056 2260 2382 2474 2591 2705 2808 2915 3002 3100
; 73 1806 2051 2251 2380 2476 2596 2701 2808 2920 3017 3126
! 74 1823 2057 2240 2374 2475 2595 2698 2799 2910 3018 3142
75 1828 2057 2241 2362 2468 2586 2689 2790 2881 3005 3142
76 1813 2044 2237 2361 2455 2564 2669 2774 2898 2973 3II6
! 77 1776 2011 2223 2355 2451 2527 2635 2746 2906 2957 3057
I 78 1711 1957 2187 2337 2439 2543 2583 2700 2881 2908 2961
79 1623 1877 2130 2300 2413 2551 2581 2633 2801 2810 2828
80 1513 1778 2016 2243 2363 2518 2531 2559 2658 2658 2658
81 1382 1662 1943 2155 2287 2412 2416 2424 2459 2459 2459
i 82 1232 1529 1822 2045 2142 2236 2236 2236 2236 2236 2236
I 83 ... 3380 1682 I 1904 1951 1998 1998 1998 1998 1998 1998
84 ... ... 1524 ! 1725 1740 1756 1756 1756 1756 1756 1756
85 ... I ! 1515 1515 1515 1515 1515 1515 1515 1515
86 . ... 1282 3282 1282 1282 1282 1282 1282
87 ... ! 1067 1067 1067 1067 1067 1067
88 ... ! ... 870 870 870 870 870
89 ... ... : ... ! 698 698 698 698
90 ... ... 551 551 551
91 . i ... ... I 426 426
92 ... i ... ... i 323
93 | ... ! ... ... : ... ... I 241
94 , ... ... ; ... | 177
95 ... ... ! ... ... Í ... ' .. 126
96 |< j ' ... 89
97 ... ■ ... ... Í ... ... ... -. 62
98 ... ... ]| ... 41
99 ... ... , ... 27
' I
100 ... ... ... ... ! ... 19
101 ... ... ! ... i ... | ... í 14
... ! 1 ^ ... !
102 ... i ..^ '_ .„ 8_
VOL. XXXVII. 2 Ρ

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 534 On the Graduationof the [April
British Offices Annuity Experience, 1863-1893.
Graduatedby the GraphicMethod.- Females.

,_, Years elapsed sincePurchase

f! iI Ι ι 10
t| 0 1 2 3 4 5 6 7 8 9 and
ι , upwards j

χ Sx^ - άχ Ι
j<%; 11+1|^[ζ- 121+2^-^μ^ί?^.^^
50 841 i 1540 j
51 830 1081 1527 !
52 820 1066 1215 1515 ;
53 809 1051 1197 1313 | 1512 j
54 813 1035 1180 1295 1348 ... | ... 1517 !
55 824 1020 1162 1277 1334 1355 1532
56 846 1038 1145 1257 1328 1352 1362 ... 1554
57 873 1076 1171 1271 1344 1359 1373 1382 ... ... 1582
58 910 1132 1225 j 1319 1392 1399 1404 1422 1432 j ... ! 1629
59 949 1193 1289 1383 1464 1469 1475 1484 1496 1516 ! 1687
60 994 1262 1363 1459 1545 1606 1615 1625 1638 1651 1770 I
61 1044 1334 1442 1541 1633 1710 1756 1774 1780 1792 186L
62 1097 1405 1519 1625 1725 1815 1881 1920 1942 1950 1971
63 1153 1177 1597 1708 1812 1914 1998 2058 2096 2100 2104
64 1210 1547 1670 1784 1896 2005 2107 2184 2241 2253 2256
65 1271 1618 1740 1857 1972 2089 2203 2297 2360 2393 2409
66 1335 1687 1807 1928 2045 2164 2288 2399 2472 2518 2550
67 1404 1758 1873 1995 2113 2235 2362 2489 2575 2636 2680
68 1476 1830 1935 2060 2180 2298 2431 2569 2675 2750 2803
69 1550 1904 1999 2122 2245 2361 2495 2642 2771 2860 2923
70 1625 1981 2063 2180 2309 2423 2558 2713 2866 2966 3038
71 1702 2061 2128 2243 2372 2491 2624 2785 2959 3070 3143
72 1777 2L52 2204 2315 2440 2564 2699 2858 3048 3168 3233
73 1851 2250 2301 2397 2518 2647 2780 2938 3131 3261 3314
74 1914 2350 2419 2493 2608 2742 2876 3025 3206 3345 3383
75 1962 2448 2549 2604 2712 2847 2984 3120 3273 3418 3441
76 1993 2539 2683 2722 2827 2961 3103 3223 3357 3473 3484
77 1998 2619 2815 2854 2946 3077 3231 3330 3432 3508 3513
78 1969 2671 2935 2992 3071 3184 3356 3434 3477 3518 3518
79 1913 2678 3020 3136 3196 3271 3395 3450 3481 3495 3495
80 1833 2645 3050 3259 3311 3315 3386 3416 3432 3432 3432
81 1732 2576 3030 3224 3287 3289 3313 3323 3330 3330 3330
82 1608 2468 ! 2957 3120 3183 3185 3185 3185 3185 3185 3185
83 ... 2324 ! 2834 2962 2995 2997 2997 2997 2997 2997 2997
84 ... . ... | 2663 2761 2775 2775 2775 2775 2775 2775 2775
85 ... ... ... 2525 2525 2525 2525 2525 2525 2525 2525
86 ... i ... ... I ... 2258 2258 2258 2258 2258 2258 2258
87 ... 1980 1980 1980 1980 1980 1980
88 1702 1702 1702 1702 1702
89 ... ! ... 1430 1430 1430 1430
90 ... ... ! 1175 1175 1175
,
91 ... ' I ... 940 940
! ! ! '
92 ... ! ... ... ... ... ... I 733
93 ... ι I ! I 555
94 ... i ... | I ! 408
95 ... 291
96 ... ! 201
97 ... , ... ! ! 135
98 ... ... ! j 87
99 ... ... : ! i 54
100 ... ... ! ! 33
101 19
102 ... 11
103 ... 7
104 ... 3

This content downloaded from 195.34.79.211 on Fri, 20 Jun 2014 19:55:19 PM

All use subject to JSTOR Terms and Conditions
 1903.] BritishOffices
Annuity
Experience, 535
Bbitish Offices Annuity Expekience, 1863-1893.
- Males.
Graduatedhy the GraphicMethod.
^ Years elapsed since Purchase

|| I ^~
■SO123456789and
■ upwards
x P[x] Ρίχ-Ώ+ΐ'Ρ[χ-2]+2Ρ[χ-·ο]+3Ρ[χ-4]+^Ρίχ-5]+οΡ[ζ~ΰ)Μ^Ρ[χ-7]+7]Ρ[χ-8]+8Ρ'χ-9]+ϋ Ρχ
50 -99117 ... -98050
51 -99065 -98732 -97910
52 -99005 -98673 -98381 j -97760
53 -98936 -98606 '98306 '98047 j -97600
54 -98856 '98528 '98228 '97952 -97810 ! -97430
55 '98764 '98436 '98142 '97861 -97695 -97650 ... j j ... -97250
56 -98658 -98330 '98046 '97767 '97583 '97518 -97424 ... '97060
57 -98538 '98208 "97936 '97667 -97471 '97383 '97288 '97191 ... ... '96860
58 -98403 '98069 '97811 -97556 -97355 '97246 '97154 -97047 '96915 ... -96660
59 -98252 '97912 '97669 '97431 -97232 '97104 «97017 -96905 '96759 96599 -96460
60 -98086 '97735 '97508 '97289 '97098 '96955 -96874 '96760 «96607 -96426 -96250
61 -97910 -97543 '97325 '97127 '96950 -96799 '96721 '96607 '96452 '96259 -96040
62 -97725 -97342 '97124 '96940 -96785 '96632 '96555 -96442 '96289 '96091 -95830
63 -97529 '97136 '96910 '96732 '96598 '96452 '96373 '96262 '96113 '95915 -95620
64 -97319 -96923 '96686 '96513 '96391 '96254 '96171 '96063 -95920 -95727 -95410
65 '97099 '96701 -96449 '96286 '96170 '96038 '95943 '95839 '95704 '95519 '95200
66 '96872 -96467 '96194 '96046 '95936 '95803 '95690 -95584 «95461 '95286 -94990
67 -96640 -96220 -95922 -95787 '95682 -95547 '95415 '95298 '95186 '95022 -94760
68 '96401 -95956 -95635 -95507 '95402 '95264 '95118 '94987 '94876 '94720 -94490
69 -96158 '95673 '95332 -95202 -95093 -94948 '94791 '94649 '94525 '94375 -94170
70 -95893 -95371 '95007 '94867 '94751 '94594 '94428 '94277 '94130 '93981 '93790
71 '95582 -95037 '94658 '94494 '94371 '94195 '94022 -93861 93687 '93531 -93340
72 -95208 '94658 '94271 '94075 '93942 '93745 .93564 '93392 '93192 '93020 -92810
73 -94777 -94220 '93824 '93599 '93452 "93235 -93047 -92861 '92642 '92441 -92190
74 -94294 "93725 '93303 '93055 '92890 '92658 '92460 '92256 -92033 -91789 -91480
75 "93762 -93173 -92705 '92430 '92241 '92003 '91791 '91564 '91361 '91058 -90690
76 -93186 '92562 '92026 '91711 '91489 '91262 '91030 '90771 '90431 *90241 -89820
77 -92575 -91892 '91260 '90883 '90618 "90423 '90162 -89861 «89348 '89206 88880
78 -91939 '91164 '90402 '89930 '89608 '89252 '89175 '88818 '88158 '88073 -87880
79 '91291 '90380 '89448 '88834 '88440 '87869 '87785 '87623 -86939 '86905 86830
80 -90647 "89545 '88396 '87575 «87091 '86361 «86305 -86196 '85740 '85740 '85740
81 "90026 '88662 '87243 '86175 '85538 '84866 '84844 -84802 -84620 '84620 -84620
82 89447 '87739 '85988 '84612 '84055 '83470 '83470 "83470 '83470 '83470 "83470
83 ... "86781 '84631 '82968 '82643 '82300 '82300 '82300 '82300 '82300 '82300
84 I '83172 '81371-81240 '81100 "81100 -81100 '81100 '81100 '81100
85 -79900 ' '79900 '79900 «79900 '79900 -79900 -79900 -79900
86 -78700 -78700 -78700 «78700 '78700 "78700 -78700
87 ' ... ... j -77500 -77500 -77500 «77500 "77500 -77500
88 ι ... -76300 -76300 -76300 '76300 '76300
89 ... -75080 -75080 '75080 -75080
| |
90 -73840 -73840 73840
91 ... | -72580 -72580
92 | ... ! -71300
93 ! -70000
94 -68650
95 -67230
96 -65730
97 -64100
98 -62300
99 -60000
100 -53000
101 -36000
102 ::.

This content downloaded from 195.34.79.211 on Fri, 20 Jun 2014 19:55:19 PM

All use subject to JSTOR Terms and Conditions
 536 On theGraduation
ofthe [April
British Offices Annuity Experience, 1863-1893.
- Females.
Graduatedby the Graphic Method.
^ Years elapsed since Purchase

l| ! i14 i j! UT"
3 O 1 2 3 5 6 I 7 8 9 and
1 j I upwards
X Άχ] P[x-l]+lP'x-2]+2P[x-3]+3'p[x-4,]+4P[x-o]+5P[x-61+6P[x-7]+7P[x- Px
50 -99158 ... ; ... I ... i ... -98500
51 -99156 -98909 '98490
52 l -984S0
-99154 -98907 '98761 I
53 -99151 '98905 -98759 -98644 '98460 j!
54 -99136 -98905 '98757 '98642 '98590; ; j «98430
'
55 -99110 '98905 -98757 -98640 '98580 ; -98561 ... j | -98390
56 -99072 -98870-98757 '98640 «98565 ' «98541 '98532! -98340
! 57 '99023 -98807 ! -98709 -98603 '98525 -98511 -98497 '98490 ... i ... '98280
I 58 -98963 '98724-98628 -98529 -98448 '98443 '98437 '98420 '98410 1 ... '98200
59 -98893 '98625 '98526 -98429 '98343 ! '98337 '98330 '98322 -98310 '98290 -98100
60 -98812 -98513 '98407 -98308 '98216 '98150 '98140 '98129 '98117 '98103 -97970
61 -98718 -98388 '98274 '98171 '98072 «97989 '97939 '97919 '97912 '97900 «97820
62 -98613 -98252 ! '98131 -98022 '97916 '97817 '97743 '97700 ! '97675 '97666 -97640
63 -98495 -98105 '97978 «97862 '97749 -97637 '97541 -97475-97430 -97425 -97420
64 -98363 '97946 '97816 «97694 '97574 -97451 -97335 '97246 '97179 -97165 -97160
65 -98216 -97775 '97643 -97516 '97391 '97259 '97127 '97015 -96939 '96899 '96880
66 «98050 -97588 «97458 -97326 -97197 '97059 '96914 '96779 '96690 -96631 '96590
67 -97863 -97383 '97257 '97120 «96989 «96848 «96693 '96537 '96427 '96348 '96290
68 -97654 «97154 «97039 «96897 '96762 -96622 '96459 -96283 «96143 -96043 «95970
69 «97423 -96901 «96799 '96656 «96512 «96374 «96206 '96010 '95833 '95711 '95620
70 '97169 -96621 "96533 '96393 '96237 '96096 '95923 '95711 '95492 '95347 '95240
71 -96890 -96306 '96240 '96096 '95932 '95780 '95602 '95375 -95114 '94944 «94830 i
72 «96586 «95943 '95898 -95753 «95583 '95413 '95228 '94990 '94692 '94497 '94390
73 -96240 -95522 '95478 -95348 '95175 '94984 '94788 '94543 '94223 '94000 '93910 j
74 -95881 -95043 '94959 -94867 '94692 -94478 *94265 -94018 '93699 '93448 '93380 j
75 '95506 -94505 ι'94341 -94289 '94115 -93880 -93640 '93398 ! '93116 '92834 -92790 !
76 -95115 «93907 '93625 «93595 «93423 -93172 92894 -92663 ! «92395 «92153 «92130
77 -94706 «93248 -92806 «92760 -92593 -92335 '92004 '91793 '91572 '91400 '91390 j
78 -94279 -92528 '91887 '91761 '91598 '91355 '90947 '90765 '90660 '90560 '90560
79 '93834 «91749 '90868 '90568 -90411 '90229 -89911 *89768 '89685 '89650 '89650
80 -93370 -90913 '89755 «89153 «89001 «88997 «88796 -88708 '88660 '88660 -88660 I
81 '92889 -90023 -88554 «87939 '87730 «87724 -87645 -87611 '87590 '87590 '87590 |
82 '92392 -89085 -87275 -86689 -86457 '86450 '86450 '86450 -86450 -86450 '86450
83 ... -88102 «85929 «85396 -85256 '85250 '85250 '85250 '85250 -85250 -85250
84 -84530 -84049 '83983 -83980 '83980 '83980 '83980 '83980 '83980
85 ... ... j ... «82640 -82640 -82640 '82640 '82640 -82640 -82640 -82640
86 ... ... ! ... ... «81220 «81220 '81220 '81220 -81220 '81220 -81220
87 ... i 1 .. . -79720 «79720 '79720 -79720 '79720 -79720
88 -78140 -78140 '78140 '78140 '78140
89 ... I I -76480 -76480 '76480 -76480
90 ... ... i ... I . -74750 -74750 -74750
91 ... ... ! ... Í ... . -72960 '72960
92 ! ... -71120
93 ... ... . ι 1 -69240
94 ... i -67330
95 .. ! . . ... -65330
96 ... -63420
97 ; ... ... ! ... ... -61430
98 ... I ... ! ... ... i -59430
99 ... . 1 ! ... ! -57330
1 ... ...
100 ... I ... .....;.. . . i '55000
101 ... ! ... ... i ... ! -52000
102 ... ! ... ; ... t ... I ... -48000
103 ... ! ...I.! i . -30000
104 ... Í ... ! Ι ι I

This content downloaded from 195.34.79.211 on Fri, 20 Jun 2014 19:55:19 PM

All use subject to JSTOR Terms and Conditions
 1903.] BritishOffices Experience.
Annuity 537
British Offices Annuity Experience, 1863-1893.
Graduatedby the GraphicMethod.- Males.

-3 Years elapsed since Purchase

<s ! ίο
■SO 1 213 4 5 6 7 8 9 and
j upwards
X 9W ^Γχ-1]+1ï[^-2]+2|?[x-3]+3?[a;-4]+4^[x-5]+5!?tx-6]+6^[x-7]+7 3'[x-8]+8j2r[x-9]+9| Çx
50 -00883 ! ... ! Ό1950
51 Ό0935 -01268 j ... ι· ... ! -02090
52 -00995 "01327 "01619 ... | ... ... ... ! -02240
53 -01064 -01394 -01694 -01953 ... I ... -02400
54 -01144 -01472 -01772 -02048 -02190; ... ... I ... -02570
55 -01236 -01564 -01858 -02139 -02305 -02350- ... -02750
56 -01342 -01670 -01954 -02233 -02417 Ό2482 '02576 -02940
57 -01462 -01792 -02064 Ό2333 -02529 '02617 -02712 -02809 ! -03140
58 -01597 -01931 -02189 Ό2444 -02645 -02754 -02846 -02953 -03085 ... i -03340!
59 -01748 -02088 Ό2331 -02569 Ό2768 Ό2896 -02983 Ό3095 -03241 Ό3401 ' Ό3540 j
'
60 -01914 -02265 -02492 Ό2711 Ό2902 Ό3045 -03126 -03240 -03393j Ό3574 Ό375Ο
61 -02090 -02457 -02675 "02873 -03050 -03201 -03279 Ό3393 Ό3548 Ό3741 ί -03960
62 -02275 -02658 Ό2876 Ό3060 Ό3215 -03368 -03445 -03558 -03711 Ό3909 ! Ό4170
63 -02471 -02864 -03090 -03268 -03402 Ό3548 -03627 Ό3738 -03887 -04085 -04380
64 -02681 -03077 -03314 Ό3487 Ό3609 -03746 -03829 -03937 -04080 -04273 -04590
65 -02901 -03299 -03551 -03714 -03830 -03962 -04057 '04161 '04296 '04481 j -04800
66 -03128 -03533 -03806 -03954 -04064 -04197 Ό4310 -04416 -04539 '04714 -05010
67 -03360 -03780 -04078 Ό4213 Ό4318 -04453 Ό4585 -04702 -04814 -04978 -05240
68 -03599 -04044 -04365 -04493 Ό4598 -04736 -04882 -05013 -05124 -05280 -05510
69 -03842 -04327 -04668 Ό4798 -04907 '05052 -05209 -05351 Ό5475 '05625 -05830
70 -04107 -04629 -04993 -05133 -05249 -05406 Ό5572 -05723 Ό587Ο -06019 '06210
71 -04418 -04963 -05342 Ό5506 Ό5629 "05805 -05978 Ό6139 -06313 Ό6469 '06660
72 -04792 -05342 -05729 Ό5925 Ό6058 -06255 -06436 -06608 -06808 Ό6980 -07190
73 -05223 -05780 -06176' '06401 Ό6548 -06765 -06953-07139 Ό7358 Ό7559 Ό781Ο
74 Ό57Ο6 -06275 -06697 '06945 -07110 -07342 ·07540 ! -07744 -07967 -08211 -08520
75 -06238 -06827 '07295 Ό757Ο Ό7759 -07997 -08209 -08436 Ό8639 Ό8942 -09310
76 -06814 -07438 -07974 -08289 '08511 -08738 -08970 -09229 Ό9569 '09759 1 Ί0180
77 -07425 -08108 Ό8740 j -09117 '09382 Ό9577 '09838 -10139 -10652 -10794i -11120
78 -08061 -08836 -09598 *10070 -10392 -10748 '10825-11182 -11842 -11927 Ί2120
79 -08709 -09620 -10552 -11166 -11560 -12131 -12215j -12377 -13061 -13095 -13170
80 -09353 -10455 -11604 -12425 -12909 -13639 -13695-13804 -14260 Ί4260 -14260
81 -09974 -11338 -12757! -13825 -14462 -15134 -15156 -15198 -15380 Ί5380 -15380
82 -10553 -12261I -14012 -15388 -15945 -16530 -16530 -16530 -16530 Ί6530 -16530
83 ... -13219! -15369 -17032 -17357 Ί77ΟΟ Ί77ΟΟ Ί77ΟΟ -17700 Ί77ΟΟ -17700
i 84 j -16828; -18629 Ί8760 -18900 -18900 -18900 -18900 -18900 -18900
| 85 | ... -20100 '20100 '20100 '20100 -20100 '20100 '20100 '20100
! 86 ... ... ... ... -21300 -21300 '21300 '21300 -21300 '21300 -21300
i 87 ! ... ! -22500 -22500 -22500 '22500 '22500 -22500
88 ! ... : '23700 -23700 '23700 -23700 '23700
89 ... .. : ... -24920 '24920 '24920 '24920
90 ... ... I '26160 -26160 '26160
91 j ... ι '27420 -27420
92 ... ! ... | ! '28700
93 ... ; ... i! '30000
94 j ... -31350
95 ... ! ... ! -32770
96 ... '34270
97 ! -35900
98 ... I -37700
99 '40000
|
100 ... ! -47000
101 i ! '64000
102 ... I ... ... ; ... I , ... I 1-00000

This content downloaded from 195.34.79.211 on Fri, 20 Jun 2014 19:55:19 PM

All use subject to JSTOR Terms and Conditions
 538 On the Graduationof the ΓApril
British Offices Annuity Experience, 1863-1893.
- Females.
Graduatedhy the Graphic Method.

*ü Years elapsed singe Purchase

ts Ο 1 2 j 3 4 5 6 7 8 9 and
j j upwards
X 9. 9.x
j ^ta-l]+iy[x-î2]+l>î[x-3]+3Ï[«-4J+4!2[x-5]+51ïrx-<y+6?LA-7]+72[x-8]+8|^[x-9jW j
50 -00842 I ... | ... ... ! ! Ό1500;
51 -00844 -01091 I' ... ! ! -01510!
52 -00846 -01093 '01239^ ... j ··· -01520j
53 -00849 -01095 Ό1241 -01356 i I ··· Ό1540 j
54 -00864 -01095 -01243 Ό1358 Ό1410 ... ! ... I ... -01570;
55 -00890 -01095 Ό1243 -01360! -01420 -01439 ... ··· j -01610
56 -00928 -01130 -01243 Ό1360 ! Ό1435 -01459 -01468 , ... '01660 Í
57 -00977 -01193 Ό1291 -01397 Ό1475 -01489 -01503-01510 ... ... -01720;
| 58 -01037 -01276 "01372 Ό1471 Ό1552 -01557 -01563j -01580 Ό1590 , ... Ό1800
i 59 -01107 -01375 -01474! 01571 -01657 Ό1663 -01670j -01.678 Ό1690 ; -01710 -01900·
j
60 -01188 -01487 -01593 -01692 Ό1784 -01850 "01860 "01871 "01883j -01897 -02030!
61 -01282 ! -01612 "01726 Ό1829 -01928 Ό2011 Ό2061 ! -02081 Ό2088 ; Ό2100 -02180
62 -01387 Í -01748 -01869 Ό1978 "02084 -02183 "022571Ό2300 Ό2325 j -02334 Ό2360
03 -01505 ' -01895 -02022 Ό2138 Ό2251 Ό2363 j Ό2459 | '02525 ! Ό257Οj -02575 -02580
f 64 -01637 -02054
-02184 Ό2306 -02426 -02549 Ό2665 ! Ό2754 ; Ό2821 ! Ό2835 -02840
! 65 -01784 -02225 -02357 Ό2484 ! Ό2609 Ό2741 -02873! -02985| -03061 -03101 -03120
! 6(5 -01950 ' -02412! -02512 -02674 -02803 -0294-1Ό3086 -03221j "03310 -03369 -03410
I 67 Ό2137 i Ό2617 | "02743 -02880 -03011 -03152 Ό3307 ! "03463j -03573 -03652 -03710
1 68 -02346 -02846 -02961 "03103 Ό3238 -03378 '03541 Ό3717 Ό3857 -03957 Ό4Ο3Ο
j
69 -02577 -03099i -03201 -03341 Ό3488 -03626 Ό3794 -03990 Ό4167 -04289 -04380
70 -02831 -03379j Ό3467 Ό36Ο7 Ό3763 -03904 -04077 Ό4289 -04508 -04653 -04760
71 -03110 -03694-03760 -03904 -04068 -042201-04398 -04625 Ό4886 -05056 -05170
72 -03414 -04057 -04102 Ό4247 -04417 Ό4587 Ό4772 Ό5010 Ό5308 -05503 -05610
73 -03760 -04478 Ό4522 -04652 -04825 -05016 Ό5212 -05457 -05777 Ό6000 -06090
74 -01119 ! -04957 Ό5041 "05133 Ό5308 Ό5522 | 05735 -05982; Ό63Ο1 06552 -06620
! 75 -04494 -05495 -05659 Ό5711 '05885 Ό6120 ! OG360 Ό6602 -06884 -07166 "07210
, 76 -04885 -06093 Ό6375 i "06405 "06577 -06828 -07106 Ό7337 -07605 -07847 Ό787Ο
77 -05294 -06752 -07194J-07240 -07407 -07665 -07996 -08207 "08428 -08600 -08610
78 -05721 -07472 Ό8113 -08239 -08402 "08645 -09053 "09235 "09340 -09440 Ό9440
i 79 -06166 -08251 -09132 -09432 -09589 -09771 '10089 *10232 -10315 -10350 -10350
80 -06630 -09087! -10245 Ί0847 -10999 «11003 -11204 Ί1292 Ί1340 -11340 -11340
81 ' -07111 "09977-11446 -12061 -12270 -12276 -12355 Ί2389 Ί2410 -12410 -12410
82 i 07608 -10915j -12725 Ί3311 Ί3543 ! "13550 Ί3550 Ί355Ο -13550 -13550 -13550
83 ... -11898-14071 -14604 -14744 -14750 -14750 Ί4750 -14750 -14750 -14750
84 ... -15470 -15951 -16017 -16020 Ί6020 -16020 -16020 -16020 -16020
I 85 ... ... ... -17360 -17360 -17360 -17360 -17360 -17360 -17360 -17360
! 86 ... ... . ... -18780 Ί8780 -18780 -18780 -18780 -18780 -18780
87 ... . -20280 -20280 -20280 -20280 -20280 -20280
88 ... | ... i ... ι ... -21860 -21860 -21860 -21860 -21860
I 89 ... ... ... j -23520 -23520 -23520 '23520
90 ... . . ... i -25250 -25250 '25250
91 II -27040 -27040
92 . ' ! -28880
93 ... . . ; ... ! -30760
94 ... ... I ... I -32670
95 .. -34670
96 ... ... -36580
97 ... ... ·· -38570
98 .. i -40570
99 ! -42670
100 ... -45000
101 .... . -48000
102 -52000
103 ... . -70000
104 ! ... I ... I 1-00000

This content downloaded from 195.34.79.211 on Fri, 20 Jun 2014 19:55:19 PM

All use subject to JSTOR Terms and Conditions
 1903.] BritishOffices
Annuity
Experience. 539
British Offices Annuity Experience, 1863-1893.
- Males.
Graduatedhy the Graphic Method.
^ Years elapsed since Purchase

<B 10
"Š O 1 2 3 4 5 6 7 8 j 9 and
! upwards
x e[x' eYx- 1]+1 'eix - 21+2 fix - 3]+3 e[x - 4]+4 'β[χ- 5]+5 ;*% - 6J+6f{x - 7]+7 e[x - 8]+8 ß[x - 9]+9 ' ex

50 19-411 !187618^
51 18-855 18-584 | j 17*988
52 18-316 18-033 17*823 ... ... ... : ... ... 17*372
53 17-786 17-500 17*275 17*116 ... ... ... 16*770
54 17-259 16-977 16*748 16-573 16-457 ... ; 16-182
55 16-730 16-459 16*230 16-050 15*920 15-826 15-609
56 16-199 15-939 15*721 15*538 15-401 15*296 15-207i ... ... ... 15*050
57 15-661 15*420 15-209 15*034 14-893 14*783 14*686 14-609 14-506
58 15-114 14-894. 14*701 14530 14-393 14'279 14-180 14Ό95 14Ό31 ... 13976
59 14-559 14-359 14*187 14Ό30 13*894 13'784 13-684-13596 13*524 13*478' 13-459
60 14-003 13-818 13*665 13*525 13*400 13-290 13195 13*105 13-030 12*977Í 12953
61 13-452 13-276 13*138 13*014 12'902 12-800 12-708 12*621 12*544! 12*487| 12*458
62 12-911 12-739 12*610 12*499j 12*399 12*308 12-223 12*139 12*064 12*005 11-972
63 12-381 12-211 12*087 11-983 11*894 11*811 11*737 11*659 11*587 11*529 11-493
64 11-863 11-695 11*571 11*472 11*388 11*313 11*246 11179 11112 11-056 11-020
65 11*356 11190 11-066 10968 10886 10-814 10'753 10*694 10*637 10-585 10-550
66 10-864 10-695 10*572 10*474 10*391 10*319 10-260 10*208! 10*158 10114 10Ό82
67 10-385 10-215 10*087 9*990 9*905 9*831 9*771 9'722 9-679! 9*641 9*614
68 9-905 9*746 9*616 9-516 9'429 9*352 9'289 9*240 9*202 9168 9146
69 9-437 9-275 9*157 9Ό55 8*964 8*883 8*817 8-766 8*728 8*698 8*679
70 8-978 8-814 8-695 8-605 8511 8*426 8*356 8*301j 8'262 8'233 8*217
71 8-526 8-362 8-242 8152 8Ό70 7'982 7'908 7*849I 7*805 7*777I 7*761
72 8-080 7-920 7*799 7*7071 7*627 7*552 7*4741 7*411 7*362j 7*331I 7*314
73 7*619 7*487 7*367 7*273 7192 7*119 7*056 6*988 6935 ! 6 900: 6*881
74 7170 7*039 6*946 6*852 6770 6*696 6*635 6*583j 6*5261 6-486j 6-464 j
75 6-739 6-604 6-511 6'444 6'363 6*288 6*227 6-176 I 6135 1 6*091! 6066 j
76 6*332 6187 6-088 6*023 5*972 5*899 5*835 5*784 5*746j 5*7161 5*689 ;
77 5-949 5-796 5685 5-616 5*567 5*528 5*464 5*410 5-372j 5-353I 5*334 !
78 5-595 5*426 5-307 5*229 5179 5144 5113 5*060 5Ό21 5*012 5-001
79 5-262 5*086 4*952 4*870 4*815 4*780 4*763 4*734 4-697 4-695 4*691
80 4-952 4-764 4-627 4'536 4-482 4-444 4-439 4*426 4-403 4*403! 4*403
81 4-668 ! 4-463 4-321 4-234 4180 4-147 4146 4144 4135 4135, 4135
82 4-411 ! 4185 4*033 3*953 3-914 3'886 3'886 3-886 3'886 3*886: 3'886
I 83 ... 3 931 3-769 3-691 3-671 3-656 3*656 3-656 3-656 3*656' 3*656
I 84 3*530 3-454 3*448 3*442 3-442 3'442 3*442 3*442, 3'442
85 ... 3245 3-245 3245 3*245 3*245 3*245 3-245 3245
86 ... ... ... ... 3061 3-061 3Ό61 3Ό61 3*061 3Ό61 3*061
87 2-889 2-889 2'889 2-889 2'889 2-889
88 .. ... ... j 2-728 2-728 2-728 2'728 2*728
89 ! I ... ... ! 2-575 2-575 2-575 2*575
90 i 2-430 2-430 2*430
91 2-291 2*291
92 2157
93 ... ... ... I 2*025
94 ... ... i | ... : 1*892
95 ... ... ; ... ; ... i 1-756
96 ... ... 'ι ... ; ... I 1-612
97 ... ... j ... i ... 1-453
98 ... ... j | | ... 1*266
99 ... i ... 1*033
j
100 j -721
101 ... I ! -360
102 ... i i ... ... I -000

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 540 BritishOffices
Annuity
Experience» [April
British Offices Annuitt Experience, 1863-1893.
- Females.
Graduatedhy the Graphic Method.
t-j Years elapsed since Purchase
■■■■ ■

!
g,§

<S 10
^01234567 8 9 and
upwards
Λ" e[x] ^Tx-lJ+l eix-2]+2 é?[x-5]+5 £[a:_6]+6 ^[χ-7'Λ-7 e[x- 8]+8 6[χ-9]+ϋ Čx
β[χ-3]4-3|β[χ-4]4-4
~5(Γ 23-005 I i 22-475
51 22-352 22-200 ! 21817
52 21-684 21-542 21445 | 21*152
53 21-000 20-869 20*780 20-714 ! ! ... 120-479
54 20-296 20-179 20-100 20Ό41 19-999 ... | ... | ... 119-799 1
55 19-576 19-473 19402 19*353 19317 19285 j ... ; 19115 I
56 18-869 18-752 18-689 18-646 18-620 18-595 18-567 ... ... ... 18-428 |
57 18-183 18-046 17*966 17*924 17-903 17'891 17-870 17'844 17*739 !
58 17-505 17-362 17*264 17-201 17*178 17-171 17*162 17*143 17*117 ... 17*049 |
59 16*848 16-689 16*586 16*504 16*458 16*448 16443 16-434 16*418 16*394 16*362 I
60 16*209 16*037 15*922 15*834 15*768 15*735 15*726 15*722 15*714 15*700 15*679
61 15-585 ! 15*404 15*279 15*180 15*106 15*055 15*032 15*024 15*022 15*016 15*004
62 14*975 14*787 14*656 14*547 14*463 14*403 14*364 14348 14*343 14-342 14*338
63 14*379 14-186 14Ό50 13*935 13*841 13771 13*724 13*696 13*686 13*685 13*685
64 13-791 13-599 13-460 13'340 13*240 13*160 13*105 13Ό7Ο 13Ό51 13*047 13*047
65 13*213 13*021 12*884 12*760 12*655 12*569 12*504 12*464 12*440 12*430 12-428
66 12-643 12-453 12317 12195 12Ό85 11994 11*923 11*874 11*847 11*833 11*828
67 12*076 11*894 11*761 11638 11*530 11*434 11*357 11*302 11*269 11*253 11*246
! 68 11*511 11*340 11*214 11*093 10*983 10*888 10*806 10*745 10*708 10*687 10*679
1 69 10*948 10*788 10*672 10*556 10-448 10-351 10*268 10203 10*160 10*137 10127
70 10*387 10*238 10*133 10*025 9921 9-826 9*741 9*673 9627 9*602 9*591
71 9*824 9689 9*596 9*497 9*400 9*309 9*225 9*155 9*106 9081 9Ό7Ο
72 9*267 9*139 9*061 8*971 8883 8-799 8'719 8*650 8*599 8*574 8*565
73 8*723 8*595 8*526 8*448 8*368 8*293 8*222 8*156 8*106 8*081 8074
! 74 8-189 8-063 7*998 7*929 7*861 7*793 7*731 7*674 7*626 7*603 7*597
75 7*670 7*541 7*484 7*423 7*358 7*301 7*248 7*201 7*162 7*139 7*136
76 7*169 7*031 6980 6*933 6872 6*818 6*777 6*741 6*710 6*692 6*690
77 6*703 6*537 6*488 6*455 6*407 6*356 6*318 6*296 6*274 6*263 6*262
78 6*282 6-077 6*011 5*990 5*959 5*920 5*883 5867 5*858 5*852 5*852
79 5*892 5*663 5*568 5*541 5*528 5*505 5*480 5*469 5*464 5*462 5*462
80 5*527 5*279 5*173 5*128 5*118 5*115 5*101 5095 5*092 5*092 5Ό92
81 5*185 4*919 4*807 4*763 4*751 4*751 4*747 4*745 4*744 4*744 4*744
82 4*867 4*582 4*464 4*428 4*416 4*416 4*416 4*416 4*416 4*416 4*416
83 ... 4*267 4-143 4115 4*108 4*108 4*108 4Ί08 4*108 4*108 4*108
84 3-844 3-822 3'819 3*819 3*819 3*819 3*819 3*819 3*819
85 ... ι 3*547 3*547 3*547 3*547 3*547 3*547 3*547 3*547
ι' 86 3*292 3*292 3*292 3*292 3*292 3*292 3*292
87 3Ό53 3-053 3Ό53 3*053 3*053 3053
88 ... 2*830 2-830 2-830 2-830 2*830
89 2*622 2*622 2*622 2*622
90 i ! ... 2*428 2*428 2*428
91 . ... j ! 2*248 2-248
92 2-082
93 1-927
94 j 1*783
95 Í I 1-648
96 i 1-523
97 Í ! 1*401
98 I 1-281
99 1-155
100 ... ... ... ... j ... ... ... ... ... ... 1-015
101 ! *844
102 ... ... ... ... ! ... ... ... ... ... ... -624
103 ... ... ... ... ... ... ... ... ... ... -300
104 -000

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