Tata AIA Life Guaranteed Return Insurance Plan (UIN 20110N152V10) TandC

Policy Document - Tata AIA Life Guaranteed Return Insurance Plan
Individual, Non-Linked, Non-Participating Life Insurance Savings Plan (UIN:110N152V10)
2. PART B
Tata AIA Life Guaranteed Return Insurance Plan is an Individual, Non-linked, Non-participating Life
Insurance Savings plan. This insurance plan can also be availed under Point of Sale variant of the plan. If the
Policy is availed under Point of Sale norms, no Rider can be attached to the Policy.
2.1. Basic definitions

• “Age” means age as on the last birthday; i.e. the age of the Life Insured in completed years as on Date
of Commencement of Policy and is as shown in the Policy Schedule.
• “Annualised Premium” shall be the Premium payable in a year chosen by the Policyholder, excluding
Extra Premiums, loading for Modal Premiums, taxes and rider premiums, if any; as specified in the
Policy Schedule.
• “Assignee” is the person to whom the rights and benefits are transferred by virtue of an Assignment.
• “Assignment” is the process of transferring the rights and benefits to an "Assignee". Assignment should
be in accordance with the provisions of Section 38 of Insurance Act, 1938 as amended from time to time
• “Claimant” means the person entitled to receive the Policy benefits and includes the Policyholder,
surviving Life Insured, the nominee, the assignee, the legal heir, the legal representative(s) or the
holder(s) of succession certificate as the case may be;
• “Date of Inception/Commencement of Policy” is the date mentioned on the Policy Schedule.
• “Date of Commencement of Risk” means the date as specified in the Policy Schedule.
• “Date of Maturity of Policy” means the date specified in the Policy Schedule on which the Policy Term
expires.
• “Extra Premium” means an additional amount charged by Us, as per Our Underwriting Policy, which
is determined on the basis of disclosures made by You in the Proposal Form or any other information
received by Us including medical examination report of the Life Insured.
• “Grace Period” means a period of 15 (Fifteen) days from the due date of the unpaid Premium for
monthly Premium payment mode and 30 (Thirty) days from the due date of unpaid Premium for all other
Premium payment modes except Single Pay.
• “Guaranteed Addition/s” shall refer to the amount of benefit payable at the rate of 5% of the
Guaranteed Maturity Benefit and shall accrue at a simple rate at the end of each completed Policy Year,
throughout the Policy Term and shall be payable shall be payable on death or maturity whichever is
earlier, provided all due Premiums are paid.
• “Guaranteed Surrender Value” shall be the minimum Surrender Value computed in accordance with
Clause 4.2.1 of Part D, which is guaranteed by Us. The Guaranteed Surrender Value will be determined
in the Policy Year in which the Surrender is effected.
• “Income Term” shall commence and applicable as per the plan option and Policy Term chosen,
• “IRDAI/Authority” means the Insurance Regulatory and Development Authority of India.
• “Lapsed Policy” means a Policy where the due Premium has not been received till the expiry of the
Grace Period and at least first 2 (two) full years’ Premiums have not been paid except in case of Single
Pay Policy,.
• “Life Insured” means the person whose life is insured or assured under the Policy and is shown in the
Policy Schedule.
• “Nominee” means the person named in the Policy Schedule who has been nominated by the Life
Assured in accordance with Section 39 of the Insurance Act, 1938 as amended from time to time to
receive benefits in respect of this Policy.
• “Paid-up Policy” means a Policy wherein all the due Premiums have been received by the Company.
• “Policy” means the contract of insurance entered into between You and Us as evidenced by this
document, the Proposal Form, the Policy Schedule and any additional information/document(s) provided
Page 1 of 106
Date of Filing: 08/02/2019
Date of Modification: 03/06/2021
Policy Document Date: 03/06/2021
to Us in respect of the Proposal Form along with any written instructions from You subject to Our
acceptance of the same and any endorsement issued by Us.
• “Policy Anniversary” refers to the annual anniversary of the Date of Commencement of Policy.
• “Policy Schedule” means the policy schedule and any endorsements attached to and forming part of the
Policy and if any updated Schedule is issued, then, the Schedule latest in time.
• “Policy Year” means a period of 12 (Twelve) months commencing from the Date of Commencement
of Policy and every Policy Anniversary thereafter.
• “Premium” means the amount specified in the Policy Schedule, payable by you, by the due dates to
secure the benefits under the Policy, excluding applicable tax, cesses or levies, if any.
• “Proposal Form” means the form filled in and completed by You for the purpose of obtaining insurance
coverage under the Policy;
• “Reduced Paid Up” means a Policy which has acquired Surrender Value , if subsequent Premiums
remain unpaid at the end of Grace Period, the Policy will be converted into a Reduced Paid-up Policy
by default;
• “Revival Period” means a period of 5 (five) years from the due date of the first unpaid Premium.
• “Special Surrender Value” means the Special Surrender Value computed in accordance with Clause
4.2.1 of Part D.
• "Special Surrender Value Factors” are factors determined by Us in consultation with and approved
by the IRDAI to compute the Special Surrender Value, which can be revised by Us on the basis of Our
experience from time to time in consultation with and approval of the IRDAI.
• “Surrender Value” means an amount payable on Surrender of this Policy, which will be the higher of
the Guaranteed Surrender Value or the Special Surrender Value;
• “Total Premiums Paid" means amount equal to the total Premiums paid excluding any Extra
Premiums, any rider premiums and taxes, if any;
• “Total Premiums Payable" refers to an amount equal to the Annualised Premium multiplied by the
Premium Payment Term of the Policy.
• “Underwriting Policy” means our then prevailing Underwriting Policy as approved by Our board of
directors;
• “Waiting Period” means a period of first 90 days from the Date of Commencement of Risk;
• “We”, “Us”, “Our” or “Company” refers to Tata AIA Life Insurance Company Limited.
• “You” or “Your” means the Policyholder of this Policy.
Whenever the context requires, the masculine form shall apply to feminine and singular terms shall include
the plural.
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3. PART C
3.1. Benefits
The benefits shall depend on the plan option chosen by You at the inception of the Policy and cannot be
changed once chosen.
3.1.1. Maturity Benefit

As per the plan option chosen by you, provided the Policy is in force, We shall pay at Date of Maturity of
Policy –
3.1.1.1. Option I – Endowment:

a) Guaranteed Maturity Benefit, and
b) Guaranteed Additions.
“Guaranteed Maturity Benefit” shall refer to the amount of benefit which is guaranteed to be paid
on Date of Maturity of Policy, and shall be –
Guaranteed Maturity Benefit = (Guaranteed Maturity Benefit Factor as per Annexure A) x Total
Premiums Payable
Guaranteed Addition/s shall not accrue once the Policy has been converted to a Reduced Paid-up
Policy.
Upon payment of this benefit, the Policy shall terminate and no other benefit shall be payable.
3.1.1.2. Option II - Regular Income:
A Guaranteed Annual Income (GAI) defined as a percentage of one Annualised Premiums shall
commence from the end of the year following maturity for a defined Income Period, provided the
Policy is in force.
o For Policy Term 6, the GAI shall commence from the end of the 7th year to the end of the 11th
year.
year.
year.
o For Policy Term 9, the GAI shall commence from the end of the 10th year to the end of the 17tht
year.
o For Policy Term 10, the GAI shall commence from the end of the 11th year to the end of the
19th year.
21st year.
25th year.
Where, Guaranteed Annual Income percentage factor shall be as per below table
Premium
Payment 5 6 7 8 9 10 12
Term
Page 3 of 106
Guaranteed
Annul Income
(As a % of
130.00% 140.00% 158.50% 168.10% 178.15% 195.25% 213.25%
one
Annualised
Premium)
You may opt to receive commuted value of the future GAI in lump sum at the Date of Maturity of
Policy, discounted at 7.45% per annum for Premium Paying Term between 5 to 10 years and 7.20%
per annum for Premium Paying Term of 12 years. This discounting rate is not guaranteed and is
subject to change based on prevailing bond yields (aligned to 10 year G-sec). However, any change
in the methodology/formula shall be subject to IRDAI approval. Any change in SSV factors shall be
filed with the Authority and shall be intimated to You from time to time.
3.1.1.3. Option III - Whole Life Income:
A Guaranteed Annual Income (GAI) defined as a percentage of Total Premiums Paid shall commence
from the end of the year following maturity and shall be payable until the death of the Life Insured
(in case of Single Life) or last surviving Life Insured (in case of Joint Life). Where, Guaranteed
Annual Income percentage factor shall be as follows:
GAI for Single Life = Rate A * (Total Premiums Payable up to Rs.125,000) + Rate B * (Total
Premiums Payable in excess of Rs. 125,000).
GAI for Joint Life = Rate A * (Total Premiums Payable up to Rs.150,000) + Rate B * (Total
Premiums Payable in excess of Rs. 150,000).
Please refer Company’s website or visit nearest branch for more details on the applicable Rate A or
Rate B.
At proposal stage, You may also opt to receive the GAI on monthly basis payable at the end of the
each month after the Date of Maturity of Policy, where the Monthly Guaranteed Annual Income shall
be equal to –
Monthly Guaranteed Annual Income = 96% of GAI x 1/12
This option to receive the GAI on monthly basis cannot be altered once chosen.
After the Policy Term, the Claimant shall have the option to receive a commuted value of the future
GAI in lump sum, which shall be:
Commuted Value = (F1 * Guaranteed Annual Income + F2 * Total Premiums Paid)
The factors F1 & F2 depend on the age of the surviving life assured and the prevailing interest rate
at the time of commutation. . Kindly refer the F1 & F2 factors basis prevailing interest rate as on 31st
March 2022 at Annexure C. In case of Joint Life, when both Life Insured are alive, the age of the
older of the two Life Insured will be considered.
Page 4 of 106
3.1.2. Death Benefit
3.1.2.1. Option I – Endowment or Option II - Regular Income:
On death of the Life Insured during the Policy Term, provided the Policy is in force, We shall pay Sum
Assured on Death, plus Guaranteed Additions (if any, only under Option I), to the Claimant.
“Sum Assured on Death” means highest of the following:

a) 10 times the Single Premium/Annualised Premium for Age less than 45 years or 7 times the Single
Premium/Annualised Premium for Age 45 and above;
b) 105% of the Total Premiums Paid up to the date of death;
c) Guaranteed Maturity Benefit; and
d) Basic Sum Assured.
“Basic Sum Assured” is equal to the ‘Death Benefit Multiple’ times the Single Premium/Annualised
Premium.
Death Benefit Multiple Basic Sum Assured under Option I will be as follows:
Age Single Pay 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 11 Pay 12 Pay
0 23.50 23.50 23.50 23.50 23.50 23.50 23.50 23.50 23.50
1 23.25 23.25 23.25 23.25 23.25 23.25 23.25 23.25 23.25
2 23.00 23.00 23.00 23.00 23.00 23.00 23.00 23.00 23.00
3 22.75 22.75 22.75 22.75 22.75 22.75 22.75 22.75 22.75
4 22.50 22.50 22.50 22.50 22.50 22.50 22.50 22.50 22.50
5 22.25 22.25 22.25 22.25 22.25 22.25 22.25 22.25 22.25
6 22.00 22.00 22.00 22.00 22.00 22.00 22.00 22.00 22.00
7 21.75 21.75 21.75 21.75 21.75 21.75 21.75 21.75 21.75
8 21.50 21.50 21.50 21.50 21.50 21.50 21.50 21.50 21.50
9 21.25 21.25 21.25 21.25 21.25 21.25 21.25 21.25 21.25
10 21.00 21.00 21.00 21.00 21.00 21.00 21.00 21.00 21.00
11 20.75 20.75 20.75 20.75 20.75 20.75 20.75 20.75 20.75
12 20.50 20.50 20.50 20.50 20.50 20.50 20.50 20.50 20.50
13 20.25 20.25 20.25 20.25 20.25 20.25 20.25 20.25 20.25
14 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00
15 19.75 19.75 19.75 19.75 19.75 19.75 19.75 19.75 19.75
16 19.50 19.50 19.50 19.50 19.50 19.50 19.50 19.50 19.50
17 19.25 19.25 19.25 19.25 19.25 19.25 19.25 19.25 19.25
18 19.00 19.00 19.00 19.00 19.00 19.00 19.00 19.00 19.00
19 18.75 18.75 18.75 18.75 18.75 18.75 18.75 18.75 18.75
20 18.50 18.50 18.50 18.50 18.50 18.50 18.50 18.50 18.50
21 18.25 18.25 18.25 18.25 18.25 18.25 18.25 18.25 18.25
22 18.00 18.00 18.00 18.00 18.00 18.00 18.00 18.00 18.00
23 17.75 17.75 17.75 17.75 17.75 17.75 17.75 17.75 17.75
24 17.50 17.50 17.50 17.50 17.50 17.50 17.50 17.50 17.50
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Age Single Pay 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 11 Pay 12 Pay
25 17.25 17.25 17.25 17.25 17.25 17.25 17.25 17.25 17.25
26 17.00 17.00 17.00 17.00 17.00 17.00 17.00 17.00 17.00
27 16.75 16.75 16.75 16.75 16.75 16.75 16.75 16.75 16.75
28 16.50 16.50 16.50 16.50 16.50 16.50 16.50 16.50 16.50
29 16.25 16.25 16.25 16.25 16.25 16.25 16.25 16.25 16.25
30 16.00 16.00 16.00 16.00 16.00 16.00 16.00 16.00 16.00
31 15.75 15.75 15.75 15.75 15.75 15.75 15.75 15.75 15.75
32 15.50 15.50 15.50 15.50 15.50 15.50 15.50 15.50 15.50
33 15.25 15.25 15.25 15.25 15.25 15.25 15.25 15.25 15.25
34 15.00 15.00 15.00 15.00 15.00 15.00 15.00 15.00 15.00
35 14.75 14.75 14.75 14.75 14.75 14.75 14.75 14.75 14.75
36 14.50 14.50 14.50 14.50 14.50 14.50 14.50 14.50 14.50
37 14.25 14.25 14.25 14.25 14.25 14.25 14.25 14.25 14.25
38 14.00 14.00 14.00 14.00 14.00 14.00 14.00 14.00 14.00
39 13.75 13.75 13.75 13.75 13.75 13.75 13.75 13.75 13.75
40 13.50 13.50 13.50 13.50 13.50 13.50 13.50 13.50 13.50
41 13.25 13.25 13.25 13.25 13.25 13.25 13.25 13.25 13.25
42 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00
43 12.75 12.75 12.75 12.75 12.75 12.75 12.75 12.75 12.75
44 12.50 12.50 12.50 12.50 12.50 12.50 12.50 12.50 12.50
45 12.25 12.25 12.25 12.25 12.25 12.25 12.25 12.25 12.25
46 NA 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00
47 NA 11.75 11.75 11.75 11.75 11.75 11.75 11.75 11.75
48 NA 11.50 11.50 11.50 11.50 11.50 11.50 11.50 11.50
49 NA 11.25 11.25 11.25 11.25 11.25 11.25 11.25 11.25
50 NA 11.00 11.00 11.00 11.00 11.00 11.00 11.00 11.00
51 NA 10.80 10.80 10.80 10.80 10.80 10.80 10.80 10.80
52 NA 10.60 10.60 10.60 10.60 10.60 10.60 10.60 10.60
53 NA 10.40 10.40 10.40 10.40 10.40 10.40 10.40 10.40
54 NA 10.20 10.20 10.20 10.20 10.20 10.20 10.20 10.20
55 NA 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
56 NA 9.80 9.80 9.80 9.80 9.80 9.80 9.80 9.80
57 NA 9.60 9.60 9.60 9.60 9.60 9.60 9.60 9.60
58 NA 9.40 9.40 9.40 9.40 9.40 9.40 9.40 9.40
59 NA 9.20 9.20 9.20 9.20 9.20 9.20 9.20 9.20
60 NA 9.00 9.00 9.00 9.00 9.00 9.00 9.00 9.00
61 NA 8.80 8.80 8.80 8.80 8.80 8.80 8.80 8.80
62 NA 8.60 8.60 8.60 8.60 8.60 8.60 8.60 8.60
63 NA 8.40 8.40 8.40 8.40 8.40 8.40 8.40 8.40
64 NA 8.20 8.20 8.20 8.20 8.20 8.20 8.20 8.20
65 NA 8.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00
Death Benefit Multiple Basic Sum Assured under Option II will be as follow:
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Age 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 12 Pay

0 23.50 23.50 23.50 23.50 23.50 23.50 23.50
1 23.25 23.25 23.25 23.25 23.25 23.25 23.25
2 23.00 23.00 23.00 23.00 23.00 23.00 23.00
3 22.75 22.75 22.75 22.75 22.75 22.75 22.75
4 22.50 22.50 22.50 22.50 22.50 22.50 22.50
5 22.25 22.25 22.25 22.25 22.25 22.25 22.25
6 22.00 22.00 22.00 22.00 22.00 22.00 22.00
7 21.75 21.75 21.75 21.75 21.75 21.75 21.75
8 21.50 21.50 21.50 21.50 21.50 21.50 21.50
9 21.25 21.25 21.25 21.25 21.25 21.25 21.25
10 21.00 21.00 21.00 21.00 21.00 21.00 21.00
11 20.75 20.75 20.75 20.75 20.75 20.75 20.75
12 20.50 20.50 20.50 20.50 20.50 20.50 20.50
13 20.25 20.25 20.25 20.25 20.25 20.25 20.25
14 20.00 20.00 20.00 20.00 20.00 20.00 20.00
15 19.75 19.75 19.75 19.75 19.75 19.75 19.75
16 19.50 19.50 19.50 19.50 19.50 19.50 19.50
17 19.25 19.25 19.25 19.25 19.25 19.25 19.25
18 19.00 19.00 19.00 19.00 19.00 19.00 19.00
19 18.75 18.75 18.75 18.75 18.75 18.75 18.75
20 18.50 18.50 18.50 18.50 18.50 18.50 18.50
21 18.25 18.25 18.25 18.25 18.25 18.25 18.25
22 18.00 18.00 18.00 18.00 18.00 18.00 18.00
23 17.75 17.75 17.75 17.75 17.75 17.75 17.75
24 17.50 17.50 17.50 17.50 17.50 17.50 17.50
25 17.25 17.25 17.25 17.25 17.25 17.25 17.25
26 17.00 17.00 17.00 17.00 17.00 17.00 17.00
27 16.75 16.75 16.75 16.75 16.75 16.75 16.75
28 16.50 16.50 16.50 16.50 16.50 16.50 16.50
29 16.25 16.25 16.25 16.25 16.25 16.25 16.25
30 16.00 16.00 16.00 16.00 16.00 16.00 16.00
31 15.75 15.75 15.75 15.75 15.75 15.75 15.75
32 15.50 15.50 15.50 15.50 15.50 15.50 15.50
33 15.25 15.25 15.25 15.25 15.25 15.25 15.25
34 15.00 15.00 15.00 15.00 15.00 15.00 15.00
35 14.75 14.75 14.75 14.75 14.75 14.75 14.75
36 14.50 14.50 14.50 14.50 14.50 14.50 14.50
37 14.25 14.25 14.25 14.25 14.25 14.25 14.25
38 14.00 14.00 14.00 14.00 14.00 14.00 14.00
39 13.75 13.75 13.75 13.75 13.75 13.75 13.75
40 13.50 13.50 13.50 13.50 13.50 13.50 13.50
41 13.25 13.25 13.25 13.25 13.25 13.25 13.25
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Age 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 12 Pay

42 13.00 13.00 13.00 13.00 13.00 13.00 13.00
43 12.75 12.75 12.75 12.75 12.75 12.75 12.75
44 12.50 12.50 12.50 12.50 12.50 12.50 12.50
45 12.25 12.25 12.25 12.25 12.25 12.25 12.25
46 12.00 12.00 12.00 12.00 12.00 12.00 12.00
47 11.75 11.75 11.75 11.75 11.75 11.75 11.75
48 11.50 11.50 11.50 11.50 11.50 11.50 11.50
49 11.25 11.25 11.25 11.25 11.25 11.25 11.25
50 11.00 11.00 11.00 11.00 11.00 11.00 11.00
51 10.80 10.80 10.80 10.80 10.80 10.80 10.80
52 10.60 10.60 10.60 10.60 10.60 10.60 10.60
53 10.40 10.40 10.40 10.40 10.40 10.40 10.40
54 10.20 10.20 10.20 10.20 10.20 10.20 10.20
55 10.00 10.00 10.00 10.00 10.00 10.00 10.00
The “Guaranteed Maturity Benefit” for plan option II shall be equal to the commuted value of the future GAI
in lump sum at Date of Maturity of Policy, discounted at 7.45% per annum for Premium Paying Term between
5 to 10 years and 7.20% per annum for Premium Paying Term of 12 years.
On death of the Life Insured during the Income Term under Option II, We shall pay all the future GAI to the
Claimant. The Claimant also has the option to receive the commuted value of the future GAI in lump sum,
discounted at 7.45% per annum for Premium Paying Term between 5 to 10 years and 7.20% per annum for
Premium Paying Term of 12 years. This discounting rate is not guaranteed and is subject to change based on
prevailing bond yields (aligned to 10 year G-sec). However, any change in the methodology/formula shall be
subject to IRDAI approval.
The Policy will terminate on payment of Death Benefit for Life Insured and no other benefits shall be payable
under the Policy.
3.1.2.2. Option III - Whole Life Income:
I) Death during Policy Term:

On death of the Life Insured during the Policy Term, provided the Policy is in force, We shall pay
Sum Assured on Death, to the Claimant.
“Sum Assured on Death” means highest of the following:

Single Life/Joint Life –
a) 1.25 times the Single Premium in case of Single Pay and 7 times the Annualised Premium
in case of Premium Paying Term of 5/6/7/8/9/10/11/12 years;
b) 105% of all the Total Premiums paid up to the date of death;
c) Guaranteed Maturity Benefit; and
d) Basic Sum Assured.
Where,
Page 8 of 106
“Basic Sum Assured” is equal to the ‘Death Benefit Multiple’ times the Annualised Premium.
Death Benefit Multiple for Basic Sum Assured will be as follows:

Death Benefit Multiple
Joint Life
Premium Payment Term Single Life
First Death Second Death
Single Premium 1.25 Times 1.25 Times 10 Times
5 to 12 years 11 Times 7 Times 11 Times
“Guaranteed Maturity Benefit” in case of Option III shall be equal to the Guaranteed Annual
Income multiplied by the GMB factors provided in Annexure A.
II) Death after Policy Term:

• Single Life - On death of the Life Insured after the Policy Term, We shall pay Total Premiums
Paid to the Claimant.
• Joint Life – On death of the last surviving Life Insured after the Policy Term, We shall pay
Total Premiums Paid to the Claimant.
The Policy will terminate on payment of Death Benefit for Life Insured (in case of Single Life) or last
surviving Life Insured (in case of Joint Life) and no other benefits shall be payable under the Policy.
3.1.3. Premium details
3.1.3.1. Payment of Premium

 You can pay Premium at any of Our offices or through our website www.tataaia.com or by any other
means, as informed by Us. Any Premium paid by You will be deemed to have been received by Us
only after the same has been realized and credited to Our bank account.
 Collection of advance premium shall be allowed within the same financial year for the Premium due
in that financial year. However, where the Premium due in one financial year is being collected in
advance in earlier financial year, the Company may collect the same for a maximum period of three
months in advance of the due date of the Premium.
 The Premium so collected in advance shall only be adjusted on the due date of the Premium.
3.1.3.2. Change of frequency of Premium payment

You may change the frequency of Premium payments by written request. Subject to our minimum Premium
requirements, Premiums may be paid on monthly, quarterly, half-yearly or annual mode at the Premium rates
applicable on the Date of Commencement of Policy. Alteration in the frequency of Premium payment may
Page 9 of 106
lead to a change in the Premium. No alterations are permissible under the Policy except change in frequency
of Premium payment.
The loading on Premium shall be applicable as below:
Mode Modal Loading

Single Premium Multiply Annual Premium Rate by 1
Annual Multiply Annual Premium Rate by 1
Half - Yearly Multiply Annual Premium Rate by 0.51
Quarterly Multiply Annual Premium Rate by 0.26
Monthly Multiply Annual Premium Rate by 0.0883
3.1.3.3. Default in Premium Payment

After payment of the first Premium, failure to pay a subsequent Premium on or before its due date will
constitute a default in Premium payment.
3.1.3.4. Grace period

 The Premium is due and payable by the due date specified in the Schedule. If the Premium is not
paid by the due date, You may pay the same during the Grace Period without any interest. The Policy
will remain in force during this period.
 During the Grace Period, if the overdue Premium is not paid and the Life Insured dies, then We shall
pay the Death Benefit after deducting the due Premium (without interest) for the Policy Year.
3.1.4. Payment of benefits

 The benefit under the Policy shall be payable to the Claimant.
 Once the benefits under this Policy are paid to a Claimant, the same shall constitute a valid discharge
of Our liability under this Policy.
3.1.5. Change in address of Policyholder or Nominee

In order to provide better services, We request you to intimate us in the event of any change in the address of
the Policyholder or the Nominee.
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4. PART D
4.1. Free look period

You have a free look period of 15 days from the date of receipt of the policy document and period of 30 days
in case of Policy obtained through distribution channels like Web Aggregators Online mode and direct sales
(other than in person), to review the terms and conditions of the Policy. If You disagree to any of those terms
or conditions, You have the option to return the Policy for cancellation, stating the reasons for objection and
be entitled to a refund of the premiums paid without interest after deduction of proportionate risk premium,
stamp duty and medical examination cost along with applicable taxes and cesses or levies, if any.
4.2. Non forfeiture provisions

4.2.1. Surrender Benefit:
The Policy may be surrendered at any point during the Policy Term, however it shall acquire a Surrender Value
only if:
 Single Premium – throughout the Policy Term;
 at least first 2 (two) full years’ Premiums have been paid, in case of Policy other than Single Premium
Guaranteed Surrender Value (GSV) is equal to GSV Factor on Premiums multiplied by Total Premiums Paid
plus GSV Factor on Guaranteed Additions multiplied by accrued Guaranteed Additions (if any)
Special Surrender Value (SSV) is equal to SSV Factor x [Reduced Paid Up Factor x Guaranteed Maturity
Benefit plus accrued Guaranteed Additions (if any)]
GSV Factor on Premiums, SSV factors and GSV Factor on Guaranteed Additions will be as applicable at the
time of surrender and are as per table annexed as ‘Annexure B’ herein.
4.2.2. Lapsation of Policy

If the Premium is not paid within the Grace Period and if the Policy has not acquired Surrender Value, the
Policy will lapse from the due date of first unpaid Premium and no benefits will be payable.
4.3. Reduced Paid-up:

Provided the Policy has acquired Surrender Value, if subsequent Premium remain unpaid at the end of Grace
Period, the Policy will be converted into a Reduced Paid-up Policy by default.
Reduced Paid-up policy is a default non forfeiture benefit. Reduced Paid-Up Policy, shall continue as Reduced
Paid-up Policy unless revived within Revival Period by payment of all due Premiums together with interest as
mentioned in Clause 4.4 (“Revival”) of Part D.
In case of Reduced Paid-up Policy, the benefit shall be payable as under:
a. Maturity Benefit: The benefit shall be payable as -
i) Option I - Endowment: Maturity benefit (As Clause 3.1.1.1 of Part C) x Reduced Paid up
Factor.
Page 11 of 106
ii) Option II – Regular Income: Maturity benefit (As per Clause 3.1.1.2 of Part C) x Reduced
Paid up Factor.
iii) Option III - Whole Life Income: Maturity benefit (As per Clause 3.1.1.3 of Part C) x
Reduced Paid up Factor.
b. Death Benefit:
 Death during Policy Term – On death of the Life Insured during the Policy Term, We shall pay
-
i) Option I - Endowment: Sum Assured on Death (As per Clause 3.1.2.1 of Part C) multiplied
by Reduced Paid up factor, along with the accrued Guaranteed Addition, if any.
ii) Option II– Regular Income: Sum Assured on Death (As per Clause 3.1.2.1 of Part C)
multiplied by Reduced Paid up factor.
iii) Option III - Whole Life Income: Sum Assured on Death (As per Clause 3.1.2.2 ‘I’ of Part
C) multiplied by Reduced Paid up factor.
This benefit shall be subject to a minimum of 105% of Total Premiums Paid up to the date of death.
 Death after Policy Term -
i) Option I - Endowment: No benefit shall be payable.
ii) Option II – Regular Income: All the future GAI shall be payable to the Claimant. The
Claimant also has the option to receive the commuted value of the future GAI in lump sum,
discounted at 7.45% per annum for Premium Paying Term between 5 to 10 years and 7.20%
per annum for Premium Paying Term of 12 years. This discounting rate is not guaranteed
and is subject to change based on prevailing bond yields (aligned to 10 year G-sec).
However, any change in the methodology/formula shall be subject to IRDAI approval. Any
change in SSV factors shall be filed with the Authority and shall be intimated to You from
time to time.
iii) Option III - Whole Life Income: This benefit is same as Clause 3.1.2.2 ‘II’ of Part C.
Where, “Reduced Paid Up Factor” shall be equal to -

(Number of Premiums paid) divided by (Number of Premiums Payable during the entire Premium
Payment Term)
c. Surrender Benefit – This benefit is same as per Clause 4.2.1 of Part D.
Page 12 of 106
4.4. Revival
If there is default in Premium Payment beyond the Grace Period and subject to the Policy not having been
surrendered, it may be revived, in accordance with Underwriting Policy within Revival Period but before the
Date of Maturity of Policy, subject to: (i) Your written application for revival; (ii) production of Insured’s
current health certificate and other evidence of insurability; and (iii) payment of all overdue Premiums with
interest.
The applicable interest rate for revival is determined using the SBI (State Bank of India) [or any other public
sector undertaking bank] domestic term deposit rate for tenure ‘1 year to less than 2 years’, plus 2%. Any
alteration in the formula will be subject to prior approval of IRDAI. The simple interest rate applicable as on
1stApril 2022, is 7.10 % p.a. [i.e. SBI interest rate of 5.10 % (which rate may be revised from time to time) +
2%].
Upon revival, the benefits of the Policy shall be restored with effect from the date of revival.
4.5. Loan
You may apply for a loan up to 80% of Surrender Value provided the Policy acquires Surrender Value. On
availing loan, the Policy must be assigned to Us. The Policyholder shall be liable to pay interest on the loan as
below:
 Daily interest shall accrue on loan at the prevailing SBI (State Bank of India) [or any other public
sector undertaking bank] domestic term deposit interest rate for tenure ‘1 year to less than 2 years’
+ 2%. This formula will be reviewed annually and only altered subject to prior approval of IRDAI.
The interest rate applicable as on 1stApril 2022, is 7.10% p.a. [i.e. SBI interest rate of 5.10% (which
rate may be revised from time to time) + 2%] compounded annually;
 Interest shall be payable on each Policy Anniversary after the loan date and until the loan is repaid;
 Any unpaid interest shall be added to the principal loan and bear interest at the same rate. At any
time while this Policy is in-force, You may repay the principal loan and accrued interest, or any part
of the loan;
 When the loan with accrued interest exceeds the Surrender Value, the Policy will be terminated.
Residual amount, if any, will be refunded to the Policyholder.
 There shall be no discretion of the Company in granting the loan to identical/similar Policyholders.
Further, there shall be no discretion of the Company in the quantum of loan granted (subject to the
quantum being within permissible limits).
4.6. Auto Vesting

Where the Policy is issued on the life of a minor, the Policy shall automatically vest in the Life Insured on
his/her attaining age of majority. On vesting, the Company shall recognize the Life Insured to be the holder
of the Policy.
Page 13 of 106
5. PART E
Not Applicable for this Product
Page 14 of 106
6. PART F
6.1. Fraud, Misrepresentation and Forfeiture
Any fraud, mis-statement or suppression of a material fact under the Policy shall be dealt in accordance with
Section 45 of the Insurance Act, 1938 as amended from time to time.
The simplified version of the provisions of Section 45 of the Insurance Act, 1938 is enclosed in Annexure 4
for reference.
6.2. Exclusions
6.2.1. Suicide
In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or
from the date of revival of the Policy, as applicable, the Claimant of the Policyholder shall be entitled to at
least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of
death whichever is higher, provided the Policy is in force.
6.2.2. Waiting Period (Applicable only if the Policy is availed under Point of Sale product norms)
If death of the Life Assured occurs during the Waiting Period, We shall refund Total Premiums Paid and the
Policy will terminate with immediate effect. Waiting period shall not be applicable in case of death due to
accident provided all due Premiums have been paid.
6.3. Misstatement of Age
Declaration of the correct Age of the Life Insured is important for Our underwriting process and calculation of
Premiums payable under the Policy. If the Age declared in the Proposal Form is found to be incorrect at any
time during the Policy Term or at the time of claim, We may revise the Premium with interest and/or
applicable benefits payable under the Policy in accordance with the Premium and benefits that would have
been payable, if the correct Age would have made the Life Insured eligible to be covered under the Policy on
the Date of Commencement of Policy. If at the correct Age the Life Insured is not insurable under this Policy
pursuant to our Underwriting Policy, the Policy shall be void ab-initio and the Company will refund the Total
Premiums Paid without interest after deducting all charges incurred by the Company under the Policy.
6.4. Nomination
Nomination allowed as per provisions of Section 39 of the Insurance Act 1938 as amended from time to time.
The simplified version of the provisions of Section 39 is enclosed in Annexure 3 for reference.
6.5. Assignment
Assignment shall be as per Section 38 of the Insurance Act 1938 as amended from time to time. The simplified
version of the provisions of Section 38 is enclosed in ‘Annexure 2’ for reference.
6.6. Loss of Policy document
Page 15 of 106
If the Policy document is lost or destroyed, then at the request of the Policyholder, the Company will issue a
duplicate Policy document duly endorsed to show that it is issued following the loss or destruction of the
original Policy document. Upon the issuance of the duplicate Policy document, the original Policy document
immediately and automatically ceases to have any validity. The Company will charge a fee of Rs. 250/- along
with the applicable tax and surcharge/cess, for the issuance of a duplicate Policy document. These charges are
subject to revision by the Company from time to time.
6.7. Taxes
All Premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses
or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium
or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable
tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
6.8. Termination of Policy:
This Policy will terminate upon the happening of any of the following events:
1. On the date of refund of premium under Freelook request.
2. On the date of payment of the death claim in accordance with the provisions of this Policy;
3. On the expiry of the Revival Period, if the Lapsed Policy has not been revived;
4. On the date of payment of Surrender Benefit of this Policy; or
5. On the date of payment of last Guaranteed Annual Income payout in accordance with the provisions of
this Policy.
6.9. Claims
Notice of Claim – All cases of death must be notified, within a period of 90 days, to us in writing. However,
We may condone delay on merit for delayed claims where the reason for delay is proved to be for reasons
beyond the control of the Claimant. In case of any delay on the part of the Company to process the claim
within extant regulatory timeline, We shall pay interest as may be prescribed by the IRDAI from time to time.
Please note that all death claims will be payable to the Claimant. Appropriate forms and supporting documents
must be submitted, at the Claimant’s expenses, within 90 days after the date the Insured event happens, unless
specified otherwise. A list of primary claim documents listing the normally required documents is attached to
the Policy. Submission of the listed documents, forms or other proof, however, shall not be construed as an
admission of liabilities by the Company.
We reserve the right to require any additional proof and documents in support of the claim.
6.9.1. Claims requirements
Death claims requirements

For processing the claim request under this Policy, we will require the following documents:
Type of Claim Requirement
Page 16 of 106
Death a) Claim Forms
(all causes of death other Part I: Application Form for Death Claim (Claimant's Statement) along
than the Accidental with NEFT form
Death)
Part II: Physician's Statement - to be filled by last attending physician
b) Death Certificate issued by a local government body like Municipal
Corporation
c) Medical Records (Admission Notes, Discharge/Death Summary, Indoor
Case Papers, Test Reports etc)#
d) Claimant's Photo ID with age proof & relationship with the Insured along
with Address proof of the claimant and Cancelled cheque with name and
account number printed or cancelled cheque with copy of Bank Passbook
/ Bank Statement
If no nomination - Proof of legal title to the claim proceeds (e.g. legal
succession paper)
In case of an unnatural Copy of the First Information Report (FIR) or Panchanama/Police
death (to be submitted in complaint/Inquest#
addition to the above) Copy of Post Mortem report (PMR)/Autopsy and Viscera report#
Copy of the Final Police Investigation report (FPIR)/Charge sheet#
# Medical records shall be required if Life Assured was in hospital at the time of death or any time prior to
the date of death. Please submit copies certified/attested by the issuing or competent authority. Original
Seen Verified (OSV) by Branch Personnel will also be accepted.
Copies of other documents to be submitted by self-attestation of the Claimant.
Maturity Claim Requirements

To ensure processing the maturity payout on or before the Maturity Date, We shall consider the bank account
details available in Your Policy record. If there is any change, please submit below documents sufficiently in
advance, to enable us release the maturity payout on or before the Maturity Date:
- NEFT Form;
- a cancelled cheque or copy of passbook with pre-printed name and bank account number, for payout
through NEFT, and
- a self-attested photo ID proof.
Note-
In case the claim warrants any additional requirement, We reserve the right to call for the same.
Notification of claim & submission of the claim requirements does not mean admission of the claim liability
by the Company.
No agent is authorized to admit any liabilities on behalf of the Company, nor to alter this list of documents or
any claims requirements called for by the Company.
6.10. Claims Intimation Process
Mentioned below is a list of various mediums through which Claimant can contact us.
a. Online at www.tataaia.com
Page 17 of 106
b. Email - [email protected]
c. Call our helpline number 1-860-266-9966 (local charges apply)
d. Walk into any office of the Company
e. Write directly to us on following address:
Tata AIA Life Insurance Company Limited
B - Wing, 9th Floor, I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) – 400 607, Maharashtra.
6.11. Governing Law and Jurisdiction
The Policy will be governed by and enforced in accordance with the laws of India. The competent courts in
India will have exclusive jurisdiction in all matters and causes arising out of the Policy.
Page 18 of 106
7. PART G
CONSUMER INFORMATION
POLICYHOLDER'S SERVICING
With regards to any query or issue related to the Policy, the Policyholder can contact the Company through
the following service avenues:
• Contact your Tata AIA Life Agent / Distributor
• Call our helpline number 1-860-266-9966 (local charges apply)
• E-mail us at [email protected]
• Visit the nearest Tata AIA Life branch or CAMS Service Center
• Log on to Online Customer Portal by visiting www.tataaia.com
• Write to us on the following address:
B- Wing, 9th Floor, I-Think Techno Campus,
GRIEVANCE REDRESSAL PROCEDURE

1) Resolution of Grievances
Customers can register their grievances through Multiple Service Avenues:
• Call our helpline number 1-860-266-9966 (local charges apply)
• Email us at [email protected]
• Login to online Policy account on www.tataaia.com
• Visit any of the nearest Tata AIA Life branches or CAMS Service Centers
• Contact your Tata AIA Life Agent / Distributor
• Write to us on the following address:
Grievance Redressal Department
B- Wing, 9th Floor, I-Think Techno Campus,
- We shall acknowledge a customer's grievance within 3 (three) business days by providing the customer
with the name of the Grievance Redressal Executive who is responsible to handle the grievance.
- We shall provide the customer with an equitable resolution within 2 (two) weeks of receipt of the
grievance.
- In case customer wishes to contact us during the course of the assessment, they can contact us at any of
the above mentioned touch points.
- All Tata AIA Life branches have a Grievance Redressal Officer who can be contacted for any support
during the grievance redressal process.
2) Escalation Mechanism
Page 19 of 106
In case customers are not satisfied with the decision of the above offices, or has not received any response
within the stipulated timelines, they may contact the following officials for resolution:
 1st level of Escalation: Head - Customer Service
 2nd level of Escalation: Grievance Redressal Officer (GRO)
For escalations, customers can email to [email protected] or write to –

Grievance Redressal Officer
Tata AIA Life Insurance Company Limited,
B-Wing, 9th Floor, I-Think Techno Campus,
Thane (West) – 400 607, Maharashtra
We request our customers to follow the escalation mechanism in case of non-receipt of response or
unsatisfactory response from the concerned persons mentioned above.
If you are not satisfied with the response or do not receive a response from us within 15 (fifteen) days, you
may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI)
on the following contact details:
IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255 or 18004254732 (Toll free).
Email ID: [email protected]
You can also register your complaint online at http://www.igms.irda.gov.in /
Address for communication for complaints by fax/paper:
Consumer Affairs Department - Grievance Redressal Cell.
Insurance Regulatory and Development Authority of India
Sy.No.115/1, Financial District, Nanakramguda,
Gachibowli, Hyderabad – 500 032.
3) Insurance Ombudsman:
Where the redressal provided by the Company is not satisfactory despite the escalation above, the customer
may represent the case to the Ombudsman for Redressal of the grievance, if it pertains to the following:
- Delay in settlement of claim
- Partial or total rejection of claim
- Dispute with regard to premium
- Misrepresentation of policy terms and conditions
- Legal construction of the policy in so far as dispute relates to claim
- Grievance relating to policy servicing
- Issuance of policy which is not in conformity with proposal form
- Non- issuance of your insurance document and
- Any other matter resulting from the violation of provisions of the Insurance Act, 1938 or the regulations,
circulars, guidelines or instructions issued by the IRDAI from time to time or the terms and conditions of
the policy contract, in so far as they relate to issues mentioned herein above.
Page 20 of 106
Please refer to our website www.tataaia.com for further details in this regard.
The list of Ombudsman address is attached as Annexure 1

The complaint should be made in writing duly signed by the complainant or through his legal heirs, nominee
or assignee, and shall state clearly the name and address of the complainant, the name of the branch or office
of the insurer against whom the complaint is made, the facts giving rise to the complaint, supported by
documents, the nature and extent of the loss caused to the complainant and the relief sought from the Insurance
Ombudsman. As per provision 14(3) of the Insurance Ombudsman Rules, 2017, the complaint to the
Ombudsman can be made, within a period of one year provided it is not simultaneously under any litigation:
• Only if the grievance has been rejected by the Grievance Redressal Machinery of the Insurer; or
• the complainant had not received any reply within a period of one month after the Insurer received his
representation; or
• the complainant is not satisfied with the reply given to him by the insurer.
Page 21 of 106
ANNEXURE A
Guaranteed Maturity Benefit Factors
For Option I:
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
Single
10 109.70% 109.70% 109.70% 109.70% 109.70% 109.70% 109.70% 109.70% 109.70% 109.60%
Pay
5 10 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31%
5 11 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
5 12 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17%
5 13 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88%
5 14 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86%
5 15 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34%
5 16 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44%
5 17 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66%
5 18 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06%
5 19 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71%
5 20 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83%
5 21 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84%
5 22 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97%
5 23 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40%
5 24 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04%
5 25 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75%
5 26 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51%
5 27 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01%
5 28 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75%
5 29 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30%
5 30 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74%
5 31 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47%
5 32 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97%
5 33 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35%
5 34 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76%
5 35 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80%
5 36 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06%
5 37 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39%
5 38 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64%
5 39 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99%
5 40 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30%
6 11 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10%
6 12 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
6 13 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
Page 22 of 106
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
6 14 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45%
6 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
6 16 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85%
6 17 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75%
6 18 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00%
6 19 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30%
6 20 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95%
6 21 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45%
6 22 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10%
6 23 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90%
6 24 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25%
6 25 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45%
6 26 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90%
6 27 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90%
6 28 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80%
6 29 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90%
6 30 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25%
6 31 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30%
6 32 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20%
6 33 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90%
6 34 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
6 35 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70%
6 36 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50%
6 37 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65%
6 38 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25%
6 39 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30%
6 40 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85%
7 12 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50%
7 13 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
7 14 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65%
7 15 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30%
7 16 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80%
7 17 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75%
7 18 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70%
7 19 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95%
7 20 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70%
7 21 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45%
7 22 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25%
7 23 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35%
7 24 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95%
Page 23 of 106
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
7 25 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55%
7 26 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45%
7 27 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05%
7 28 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60%
7 29 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50%
7 30 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20%
7 31 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80%
7 32 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40%
7 33 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85%
7 34 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35%
7 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
7 36 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30%
7 37 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
7 38 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30%
7 39 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80%
7 40 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05%
8 13 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90%
8 14 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35%
8 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
8 16 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55%
8 17 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75%
8 18 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30%
8 19 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60%
8 20 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40%
8 21 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30%
8 22 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95%
8 23 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40%
8 24 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15%
8 25 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90%
8 26 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95%
8 27 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30%
8 28 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40%
8 29 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45%
8 30 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
8 31 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20%
8 32 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00%
8 33 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70%
8 34 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80%
8 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
8 36 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45%
Page 24 of 106
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
8 37 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85%
8 38 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95%
8 39 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70%
8 40 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20%
9 14 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25%
9 15 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
9 16 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40%
9 17 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40%
9 18 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95%
9 19 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15%
9 20 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
9 21 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40%
9 22 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95%
9 23 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10%
9 24 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55%
9 25 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05%
9 26 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80%
9 27 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85%
9 28 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60%
9 29 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30%
9 30 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80%
9 31 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25%
9 32 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05%
9 33 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25%
9 34 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25%
9 35 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25%
9 36 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40%
9 37 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15%
9 38 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
9 39 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55%
9 40 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25%
10 10 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20%
10 15 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10%
10 16 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20%
10 17 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95%
10 18 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00%
10 19 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20%
10 20 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45%
10 21 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10%
10 22 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20%
Page 25 of 106
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
10 23 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85%
10 24 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05%
10 25 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80%
10 26 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00%
10 27 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10%
10 28 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15%
10 29 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95%
10 30 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65%
10 31 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75%
10 32 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65%
10 33 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40%
10 34 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95%
10 35 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40%
10 36 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00%
10 37 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15%
10 38 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85%
10 39 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15%
10 40 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15%
11 16 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45%
11 17 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35%
11 18 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05%
11 19 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20%
11 20 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90%
11 21 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55%
11 22 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25%
11 23 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
11 24 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30%
11 25 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10%
11 26 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85%
11 27 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85%
11 28 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45%
11 29 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35%
11 30 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15%
11 31 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25%
11 32 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20%
11 33 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90%
11 34 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85%
11 35 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65%
11 36 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85%
11 37 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55%
Page 26 of 106
Age --->
PPT PT 0 1 2 3 4 5 6 7 8 9
11 38 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75%
11 39 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45%
11 40 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65%
12 12 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15%
12 17 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35%
12 18 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10%
12 19 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45%
12 20 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60%
12 21 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20%
12 22 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50%
12 23 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70%
12 24 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25%
12 25 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40%
12 26 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80%
12 27 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45%
12 28 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00%
12 29 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10%
12 30 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15%
12 31 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80%
12 32 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90%
12 33 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70%
12 34 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25%
12 35 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50%
12 36 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60%
12 37 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10%
12 38 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00%
12 39 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35%
12 40 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10%
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
Single
10 109.25% 108.75% 108.25% 107.70% 107.25% 106.85% 106.60% 106.55% 106.50% 106.45%
Pay
5 10 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31%
5 11 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
5 12 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17%
5 13 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88%
5 14 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86%
5 15 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34%
5 16 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44%
5 17 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66%
Page 27 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
5 18 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06%
5 19 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71%
5 20 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83%
5 21 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84%
5 22 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97%
5 23 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40%
5 24 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04%
5 25 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75%
5 26 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51%
5 27 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01%
5 28 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75%
5 29 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30%
5 30 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74%
5 31 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47%
5 32 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97%
5 33 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35%
5 34 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76%
5 35 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80%
5 36 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06%
5 37 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39%
5 38 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64%
5 39 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99%
5 40 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30%
6 11 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10%
6 12 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
6 13 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
6 14 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45%
6 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
6 16 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85%
6 17 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75%
6 18 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00%
6 19 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30%
6 20 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95%
6 21 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45%
6 22 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10%
6 23 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90%
6 24 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25%
6 25 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45%
6 26 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90%
Page 28 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
6 27 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90%
6 28 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80%
6 29 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90%
6 30 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25%
6 31 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30%
6 32 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20%
6 33 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90%
6 34 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
6 35 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70%
6 36 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50%
6 37 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65%
6 38 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25%
6 39 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30%
6 40 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85%
7 12 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50%
7 13 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
7 14 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65%
7 15 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30%
7 16 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80%
7 17 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75%
7 18 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70%
7 19 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95%
7 20 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70%
7 21 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45%
7 22 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25%
7 23 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35%
7 24 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95%
7 25 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55%
7 26 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45%
7 27 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05%
7 28 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60%
7 29 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50%
7 30 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20%
7 31 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80%
7 32 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40%
7 33 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85%
7 34 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35%
7 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
7 36 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30%
Page 29 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
7 37 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
7 38 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30%
7 39 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80%
7 40 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05%
8 13 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90%
8 14 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35%
8 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
8 16 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55%
8 17 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75%
8 18 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30%
8 19 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60%
8 20 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40%
8 21 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30%
8 22 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95%
8 23 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40%
8 24 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15%
8 25 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90%
8 26 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95%
8 27 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30%
8 28 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40%
8 29 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45%
8 30 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
8 31 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20%
8 32 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00%
8 33 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70%
8 34 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80%
8 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
8 36 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45%
8 37 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85%
8 38 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95%
8 39 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70%
8 40 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20%
9 14 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25%
9 15 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
9 16 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40%
9 17 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40%
9 18 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95%
9 19 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15%
9 20 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
Page 30 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
9 21 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40%
9 22 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95%
9 23 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10%
9 24 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55%
9 25 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05%
9 26 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80%
9 27 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85%
9 28 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60%
9 29 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30%
9 30 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80%
9 31 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25%
9 32 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05%
9 33 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25%
9 34 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25%
9 35 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25%
9 36 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40%
9 37 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15%
9 38 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
9 39 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55%
9 40 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25%
10 10 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20%
10 15 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10%
10 16 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20%
10 17 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95%
10 18 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00%
10 19 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20%
10 20 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45%
10 21 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10%
10 22 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20%
10 23 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85%
10 24 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05%
10 25 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80%
10 26 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00%
10 27 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10%
10 28 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15%
10 29 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95%
10 30 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65%
10 31 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75%
10 32 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65%
Page 31 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
10 33 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40%
10 34 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95%
10 35 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40%
10 36 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00%
10 37 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15%
10 38 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85%
10 39 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15%
10 40 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15%
11 16 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45%
11 17 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35%
11 18 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05%
11 19 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20%
11 20 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90%
11 21 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55%
11 22 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25%
11 23 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
11 24 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30%
11 25 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10%
11 26 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85%
11 27 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85%
11 28 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45%
11 29 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35%
11 30 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15%
11 31 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25%
11 32 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20%
11 33 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90%
11 34 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85%
11 35 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65%
11 36 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85%
11 37 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55%
11 38 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75%
11 39 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45%
11 40 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65%
12 12 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15%
12 17 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35%
12 18 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10%
12 19 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45%
12 20 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60%
12 21 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20%
Page 32 of 106
Age --->
PPT PT 10 11 12 13 14 15 16 17 18 19
12 22 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50%
12 23 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70%
12 24 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25%
12 25 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40%
12 26 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80%
12 27 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45%
12 28 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00%
12 29 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10%
12 30 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15%
12 31 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80%
12 32 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90%
12 33 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70%
12 34 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25%
12 35 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50%
12 36 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60%
12 37 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10%
12 38 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00%
12 39 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35%
12 40 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10%
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
Single
10 106.40% 106.35% 106.30% 106.25% 106.20% 106.20% 106.20% 106.15% 106.15% 106.10%
Pay
5 10 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31% 95.31%
5 11 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
5 12 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17% 107.17%
5 13 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88% 111.88%
5 14 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86% 117.86%
5 15 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34% 124.34%
5 16 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44% 128.44%
5 17 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66% 132.66%
5 18 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06% 137.06%
5 19 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71% 141.71%
5 20 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83% 146.83%
5 21 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84% 151.84%
5 22 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97% 156.97%
5 23 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40% 162.40%
Page 33 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
5 24 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04% 168.04%
5 25 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75% 172.75%
5 26 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51% 180.51%
5 27 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01% 187.01%
5 28 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75% 193.75%
5 29 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30% 201.30%
5 30 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74% 208.74%
5 31 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47% 216.47%
5 32 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97% 224.97%
5 33 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35% 233.35%
5 34 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76% 242.76%
5 35 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80% 251.80%
5 36 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06% 263.06%
5 37 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39% 274.39%
5 38 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64% 284.64%
5 39 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99% 294.99%
5 40 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30% 308.30%
6 11 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10%
6 12 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
6 13 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95% 102.95%
6 14 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45% 106.45%
6 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
6 16 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85% 111.85%
6 17 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75% 114.75%
6 18 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00% 118.00%
6 19 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30% 121.30%
6 20 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95% 124.95%
6 21 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45% 128.45%
6 22 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10%
6 23 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90% 135.90%
6 24 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25% 140.25%
6 25 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45% 144.45%
6 26 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90% 148.90%
6 27 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90% 153.90%
6 28 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80% 158.80%
6 29 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90% 163.90%
6 30 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25% 169.25%
6 31 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30% 175.30%
6 32 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20% 181.20%
Page 34 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
6 33 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90% 187.90%
6 34 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
6 35 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70% 201.70%
6 36 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50% 209.50%
6 37 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65% 217.65%
6 38 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25% 226.25%
6 39 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30% 235.30%
6 40 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85% 244.85%
7 12 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50%
7 13 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
7 14 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65% 107.65%
7 15 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30% 114.30%
7 16 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80% 117.80%
7 17 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75% 121.75%
7 18 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70%
7 19 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95% 129.95%
7 20 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70% 134.70%
7 21 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45%
7 22 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25%
7 23 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35% 149.35%
7 24 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95% 154.95%
7 25 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55% 160.55%
7 26 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45% 166.45%
7 27 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05% 173.05%
7 28 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60% 179.60%
7 29 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50% 186.50%
7 30 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20% 194.20%
7 31 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80% 201.80%
7 32 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40% 210.40%
7 33 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85% 218.85%
7 34 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35% 228.35%
7 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
7 36 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30% 248.30%
7 37 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
7 38 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30% 271.30%
7 39 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80% 283.80%
7 40 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05% 297.05%
8 13 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90% 100.90%
8 14 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35% 103.35%
Page 35 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
8 15 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85% 108.85%
8 16 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55% 115.55%
8 17 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75% 119.75%
8 18 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30%
8 19 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60% 128.60%
8 20 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40% 133.40%
8 21 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30% 138.30%
8 22 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95% 142.95%
8 23 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40% 148.40%
8 24 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15% 154.15%
8 25 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90% 159.90%
8 26 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95% 165.95%
8 27 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30% 172.30%
8 28 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40% 179.40%
8 29 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45% 186.45%
8 30 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35% 194.35%
8 31 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20% 202.20%
8 32 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00% 211.00%
8 33 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70% 219.70%
8 34 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80% 228.80%
8 35 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70% 237.70%
8 36 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45% 248.45%
8 37 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85% 259.85%
8 38 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95% 271.95%
8 39 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70% 284.70%
8 40 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20% 298.20%
9 14 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25%
9 15 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65% 101.65%
9 16 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40% 106.40%
9 17 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40% 111.40%
9 18 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95% 116.95%
9 19 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15% 122.15%
9 20 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
9 21 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40% 132.40%
9 22 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95% 137.95%
9 23 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10% 143.10%
9 24 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55% 148.55%
9 25 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05% 154.05%
9 26 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80% 159.80%
Page 36 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
9 27 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85% 165.85%
9 28 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60% 172.60%
9 29 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30% 179.30%
9 30 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80% 186.80%
9 31 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25% 194.25%
9 32 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05% 202.05%
9 33 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25% 210.25%
9 34 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25% 218.25%
9 35 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25% 227.25%
9 36 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40% 237.40%
9 37 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15% 248.15%
9 38 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50% 259.50%
9 39 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55% 271.55%
9 40 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25% 284.25%
10 10 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20%
10 15 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10%
10 16 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20%
10 17 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95% 103.95%
10 18 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00% 110.00%
10 19 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20% 116.20%
10 20 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45% 122.45%
10 21 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10% 127.10%
10 22 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20% 133.20%
10 23 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85% 137.85%
10 24 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05% 143.05%
10 25 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80% 148.80%
10 26 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00% 154.00%
10 27 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10% 160.10%
10 28 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15% 166.15%
10 29 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95% 172.95%
10 30 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65% 179.65%
10 31 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75% 186.75%
10 32 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65% 193.65%
10 33 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40% 201.40%
10 34 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95% 208.95%
10 35 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40% 217.40%
10 36 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00% 227.00%
10 37 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15% 237.15%
10 38 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85% 247.85%
Page 37 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
10 39 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15% 259.15%
10 40 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15% 271.15%
11 16 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45%
11 17 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35%
11 18 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05% 101.05%
11 19 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20% 106.20%
11 20 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90% 111.90%
11 21 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55% 116.55%
11 22 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25%
11 23 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65% 127.65%
11 24 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30% 133.30%
11 25 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10%
11 26 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85% 142.85%
11 27 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85% 147.85%
11 28 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45% 153.45%
11 29 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35% 159.35%
11 30 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15% 165.15%
11 31 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25% 171.25%
11 32 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20% 177.20%
11 33 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90% 183.90%
11 34 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85% 190.85%
11 35 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65% 197.65%
11 36 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85% 205.85%
11 37 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55% 214.55%
11 38 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75% 223.75%
11 39 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45% 233.45%
11 40 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65% 243.65%
12 12 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15%
12 17 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35%
12 18 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10%
12 19 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45%
12 20 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60% 102.60%
12 21 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20% 107.20%
12 22 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50% 112.50%
12 23 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70% 118.70%
12 24 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25% 124.25%
12 25 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40% 128.40%
12 26 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80% 132.80%
12 27 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45% 137.45%
Page 38 of 106
Age --->
PPT PT 20 21 22 23 24 25 26 27 28 29
12 28 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00% 142.00%
12 29 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10% 147.10%
12 30 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15%
12 31 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80% 157.80%
12 32 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90%
12 33 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70% 168.70%
12 34 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25% 174.25%
12 35 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50% 180.50%
12 36 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60% 187.60%
12 37 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10% 195.10%
12 38 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00% 203.00%
12 39 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35% 211.35%
12 40 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10% 220.10%
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
Singl
106.05 105.80 105.50 105.05 104.55 103.90 103.75 103.60 103.40 103.15
e 10
% % % % % % % % % %
Pay
95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31
5 10
% % % % % % % % % %
102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95
5 11
% % % % % % % % % %
107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17
5 12
% % % % % % % % % %
111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88
5 13
% % % % % % % % % %
117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86
5 14
% % % % % % % % % %
124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34
5 15
% % % % % % % % % %
128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44
5 16
% % % % % % % % % %
132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66
5 17
% % % % % % % % % %
137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06
5 18
% % % % % % % % % %
141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71
5 19
% % % % % % % % % %
146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83
5 20
% % % % % % % % % %
151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84
5 21
% % % % % % % % % %
156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97
5 22
% % % % % % % % % %
162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40
5 23
% % % % % % % % % %
Page 39 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04
5 24
% % % % % % % % % %
172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75
5 25
% % % % % % % % % %
180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51
5 26
% % % % % % % % % %
187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01
5 27
% % % % % % % % % %
193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75
5 28
% % % % % % % % % %
201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30
5 29
% % % % % % % % % %
208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74
5 30
% % % % % % % % % %
216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47
5 31
% % % % % % % % % %
224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97
5 32
% % % % % % % % % %
233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35
5 33
% % % % % % % % % %
242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76
5 34
% % % % % % % % % %
251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80
5 35
% % % % % % % % % %
263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06
5 36
% % % % % % % % % %
274.39 274.39 274.39 274.39 274.39 274.39 274.39 274.39 274.39 274.39
5 37
% % % % % % % % % %
284.64 284.64 284.64 284.64 284.64 284.64 284.64 284.64 284.64 284.64
5 38
% % % % % % % % % %
294.99 294.99 294.99 294.99 294.99 294.99 294.99 294.99 294.99 294.99
5 39
% % % % % % % % % %
308.30 308.30 308.30 308.30 308.30 308.30 308.30 308.30 308.30 308.30
5 40
% % % % % % % % % %
6 11 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10%
6 12 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95
6 13
% % % % % % % % % %
106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45
6 14
% % % % % % % % % %
108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85
6 15
% % % % % % % % % %
111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85
6 16
% % % % % % % % % %
114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75
6 17
% % % % % % % % % %
118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00
6 18
% % % % % % % % % %
121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30
6 19
% % % % % % % % % %
124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95
6 20
% % % % % % % % % %
Page 40 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45
6 21
% % % % % % % % % %
132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10
6 22
% % % % % % % % % %
135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90
6 23
% % % % % % % % % %
140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25
6 24 % % % % % % % % % %
144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45
6 25 % % % % % % % % % %
148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90
6 26 % % % % % % % % % %
153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90
6 27 % % % % % % % % % %
158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80
6 28 % % % % % % % % % %
163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90
6 29 % % % % % % % % % %
169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25
6 30 % % % % % % % % % %
175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30
6 31 % % % % % % % % % %
181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20
6 32 % % % % % % % % % %
187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90
6 33 % % % % % % % % % %
194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35
6 34 % % % % % % % % % %
201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70
6 35 % % % % % % % % % %
209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50
6 36 % % % % % % % % % %
217.65 217.65 217.65 217.65 217.65 217.65 217.65 217.65 217.65 217.65
6 37 % % % % % % % % % %
226.25 226.25 226.25 226.25 226.25 226.25 226.25 226.25 226.25 226.25
6 38 % % % % % % % % % %
235.30 235.30 235.30 235.30 235.30 235.30 235.30 235.30 235.30 235.30
6 39 % % % % % % % % % %
244.85 244.85 244.85 244.85 244.85 244.85 244.85 244.85 244.85 244.85
6 40 % % % % % % % % % %
7 12 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50%
101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65
7 13 % % % % % % % % % %
107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65
7 14 % % % % % % % % % %
114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30
7 15 % % % % % % % % % %
117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80
7 16 % % % % % % % % % %
121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75
7 17 % % % % % % % % % %
125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70
7 18 % % % % % % % % % %
Page 41 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95
7 19 % % % % % % % % % %
134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70
7 20 % % % % % % % % % %
139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45
7 21 % % % % % % % % % %
144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25
7 22 % % % % % % % % % %
149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35
7 23 % % % % % % % % % %
154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95
7 24 % % % % % % % % % %
160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55
7 25 % % % % % % % % % %
166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45
7 26 % % % % % % % % % %
173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05
7 27 % % % % % % % % % %
179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60
7 28 % % % % % % % % % %
186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50
7 29 % % % % % % % % % %
194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20
7 30 % % % % % % % % % %
201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80
7 31 % % % % % % % % % %
210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40
7 32 % % % % % % % % % %
218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85
7 33 % % % % % % % % % %
228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35
7 34 % % % % % % % % % %
237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70
7 35 % % % % % % % % % %
248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30
7 36 % % % % % % % % % %
259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50
7 37 % % % % % % % % % %
271.30 271.30 271.30 271.30 271.30 271.30 271.30 271.30 271.30 271.30
7 38 % % % % % % % % % %
283.80 283.80 283.80 283.80 283.80 283.80 283.80 283.80 283.80 283.80
7 39 % % % % % % % % % %
297.05 297.05 297.05 297.05 297.05 297.05 297.05 297.05 297.05 297.05
7 40 % % % % % % % % % %
100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90
8 13 % % % % % % % % % %
103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35
8 14 % % % % % % % % % %
108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85
8 15 % % % % % % % % % %
115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55
8 16 % % % % % % % % % %
119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75
8 17 % % % % % % % % % %
Page 42 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30
8 18 % % % % % % % % % %
128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60
8 19 % % % % % % % % % %
133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40
8 20 % % % % % % % % % %
138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30
8 21 % % % % % % % % % %
142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95
8 22 % % % % % % % % % %
148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40
8 23 % % % % % % % % % %
154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15
8 24 % % % % % % % % % %
159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90
8 25 % % % % % % % % % %
165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95
8 26 % % % % % % % % % %
172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30
8 27 % % % % % % % % % %
179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40
8 28 % % % % % % % % % %
186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45
8 29 % % % % % % % % % %
194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35
8 30 % % % % % % % % % %
202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20
8 31 % % % % % % % % % %
211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00
8 32 % % % % % % % % % %
219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70
8 33 % % % % % % % % % %
228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80
8 34 % % % % % % % % % %
237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70
8 35 % % % % % % % % % %
248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45
8 36 % % % % % % % % % %
259.85 259.85 259.85 259.85 259.85 259.85 259.85 259.85 259.85 259.85
8 37 % % % % % % % % % %
271.95 271.95 271.95 271.95 271.95 271.95 271.95 271.95 271.95 271.95
8 38 % % % % % % % % % %
284.70 284.70 284.70 284.70 284.70 284.70 284.70 284.70 284.70 284.70
8 39 % % % % % % % % % %
298.20 298.20 298.20 298.20 298.20 298.20 298.20 298.20 298.20 298.20
8 40 % % % % % % % % % %
9 14 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25%
101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65
9 15 % % % % % % % % % %
106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40
9 16 % % % % % % % % % %
111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40
9 17 % % % % % % % % % %
Page 43 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95
9 18 % % % % % % % % % %
122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15
9 19 % % % % % % % % % %
127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65
9 20 % % % % % % % % % %
132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40
9 21 % % % % % % % % % %
137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95
9 22 % % % % % % % % % %
143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10
9 23 % % % % % % % % % %
148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55
9 24 % % % % % % % % % %
154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05
9 25 % % % % % % % % % %
159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80
9 26 % % % % % % % % % %
165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85
9 27 % % % % % % % % % %
172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60
9 28 % % % % % % % % % %
179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30
9 29 % % % % % % % % % %
186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80
9 30 % % % % % % % % % %
194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25
9 31 % % % % % % % % % %
202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05
9 32 % % % % % % % % % %
210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25
9 33 % % % % % % % % % %
218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25
9 34 % % % % % % % % % %
227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25
9 35 % % % % % % % % % %
237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40
9 36 % % % % % % % % % %
248.15 248.15 248.15 248.15 248.15 248.15 248.15 248.15 248.15 248.15
9 37 % % % % % % % % % %
259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50
9 38 % % % % % % % % % %
271.55 271.55 271.55 271.55 271.55 271.55 271.55 271.55 271.55 271.55
9 39 % % % % % % % % % %
284.25 284.25 284.25 284.25 284.25 284.25 284.25 284.25 284.25 284.25
9 40 % % % % % % % % % %
10 10 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20%
10 15 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10%
10 16 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20%
103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95
10 17 % % % % % % % % % %
110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00
10 18 % % % % % % % % % %
Page 44 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20
10 19 % % % % % % % % % %
122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45
10 20 % % % % % % % % % %
127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10
10 21 % % % % % % % % % %
133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20
10 22 % % % % % % % % % %
137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85
10 23 % % % % % % % % % %
143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05
10 24 % % % % % % % % % %
148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80
10 25 % % % % % % % % % %
154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00
10 26 % % % % % % % % % %
160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10
10 27 % % % % % % % % % %
166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15
10 28 % % % % % % % % % %
172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95
10 29 % % % % % % % % % %
179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65
10 30 % % % % % % % % % %
186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75
10 31 % % % % % % % % % %
193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65
10 32 % % % % % % % % % %
201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40
10 33 % % % % % % % % % %
208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95
10 34 % % % % % % % % % %
217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40
10 35 % % % % % % % % % %
227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00
10 36 % % % % % % % % % %
237.15 237.15 237.15 237.15 237.15 237.15 237.15 237.15 237.15 237.15
10 37 % % % % % % % % % %
247.85 247.85 247.85 247.85 247.85 247.85 247.85 247.85 247.85 247.85
10 38 % % % % % % % % % %
259.15 259.15 259.15 259.15 259.15 259.15 259.15 259.15 259.15 259.15
10 39 % % % % % % % % % %
271.15 271.15 271.15 271.15 271.15 271.15 271.15 271.15 271.15 271.15
10 40 % % % % % % % % % %
11 16 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45%
11 17 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35%
101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05
11 18 % % % % % % % % % %
106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20
11 19 % % % % % % % % % %
111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90
11 20 % % % % % % % % % %
116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55
11 21 % % % % % % % % % %
Page 45 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25
11 22 % % % % % % % % % %
127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65
11 23 % % % % % % % % % %
133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30
11 24 % % % % % % % % % %
138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10
11 25 % % % % % % % % % %
142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85
11 26 % % % % % % % % % %
147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85
11 27 % % % % % % % % % %
153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45
11 28 % % % % % % % % % %
159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35
11 29 % % % % % % % % % %
165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15
11 30 % % % % % % % % % %
171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25
11 31 % % % % % % % % % %
177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20
11 32 % % % % % % % % % %
183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90
11 33 % % % % % % % % % %
190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85
11 34 % % % % % % % % % %
197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65
11 35 % % % % % % % % % %
205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85
11 36 % % % % % % % % % %
214.55 214.55 214.55 214.55 214.55 214.55 214.55 214.55 214.55 214.55
11 37 % % % % % % % % % %
223.75 223.75 223.75 223.75 223.75 223.75 223.75 223.75 223.75 223.75
11 38 % % % % % % % % % %
233.45 233.45 233.45 233.45 233.45 233.45 233.45 233.45 233.45 233.45
11 39 % % % % % % % % % %
243.65 243.65 243.65 243.65 243.65 243.65 243.65 243.65 243.65 243.65
11 40 % % % % % % % % % %
12 12 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15%
12 17 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35%
12 18 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10%
12 19 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45%
102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60
12 20 % % % % % % % % % %
107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20
12 21 % % % % % % % % % %
112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50
12 22 % % % % % % % % % %
118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70
12 23 % % % % % % % % % %
124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25
12 24 % % % % % % % % % %
Page 46 of 106
Age --->
PPT PT 30 31 32 33 34 35 36 37 38 39
128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40
12 25 % % % % % % % % % %
132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80
12 26 % % % % % % % % % %
137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45
12 27 % % % % % % % % % %
142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00
12 28 % % % % % % % % % %
147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10
12 29 % % % % % % % % % %
152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15
12 30 % % % % % % % % % %
157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80
12 31 % % % % % % % % % %
162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90
12 32 % % % % % % % % % %
168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70
12 33 % % % % % % % % % %
174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25
12 34 % % % % % % % % % %
180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50
12 35 % % % % % % % % % %
187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60
12 36 % % % % % % % % % %
195.10 195.10 195.10 195.10 195.10 195.10 195.10 195.10 195.10 195.10
12 37 % % % % % % % % % %
203.00 203.00 203.00 203.00 203.00 203.00 203.00 203.00 203.00 203.00
12 38 % % % % % % % % % %
211.35 211.35 211.35 211.35 211.35 211.35 211.35 211.35 211.35 211.35
12 39 % % % % % % % % % %
220.10 220.10 220.10 220.10 220.10 220.10 220.10 220.10 220.10 220.10
12 40 % % % % % % % % % %
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
Singl
102.90 102.65 102.40 102.15 102.00 101.90 100.50
e 10 99.05% 97.55% 96.05%
% % % % % % %
Pay
95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31 95.31
5 10
% % % % % % % % % %
102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95
5 11
% % % % % % % % % %
107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17 107.17
5 12
% % % % % % % % % %
111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88 111.88
5 13
% % % % % % % % % %
117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86 117.86
5 14
% % % % % % % % % %
124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34 124.34
5 15
% % % % % % % % % %
128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44 128.44
5 16
% % % % % % % % % %
Page 47 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66 132.66
5 17
% % % % % % % % % %
137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06 137.06
5 18
% % % % % % % % % %
141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71 141.71
5 19
% % % % % % % % % %
146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83 146.83
5 20
% % % % % % % % % %
151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84 151.84
5 21
% % % % % % % % % %
156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97 156.97
5 22
% % % % % % % % % %
162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40 162.40
5 23
% % % % % % % % % %
168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04 168.04
5 24
% % % % % % % % % %
172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75 172.75
5 25
% % % % % % % % % %
180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51 180.51
5 26
% % % % % % % % % %
187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01 187.01
5 27
% % % % % % % % % %
193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75 193.75
5 28
% % % % % % % % % %
201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30 201.30
5 29
% % % % % % % % % %
208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74 208.74
5 30
% % % % % % % % % %
216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47 216.47
5 31
% % % % % % % % % %
224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97 224.97
5 32
% % % % % % % % % %
233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35 233.35
5 33
% % % % % % % % % %
242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76 242.76
5 34
% % % % % % % % % %
251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80 251.80
5 35
% % % % % % % % % %
263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06 263.06
5 36
% % % % % % % % % %
274.39 274.39 274.39 274.39 274.39 274.39 274.39 274.39 274.39
5 37 NA
% % % % % % % % %
284.64 284.64 284.64 284.64 284.64 284.64 284.64 284.64
5 38 NA NA
% % % % % % % %
294.99 294.99 294.99 294.99 294.99 294.99 294.99
5 39 NA NA NA
% % % % % % %
308.30 308.30 308.30 308.30 308.30 308.30
5 40 NA NA NA NA
% % % % % %
6 11 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10% 98.10%
6 12 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95 102.95
6 13
% % % % % % % % % %
Page 48 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45 106.45
6 14
% % % % % % % % % %
108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85
6 15
% % % % % % % % % %
111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85 111.85
6 16
% % % % % % % % % %
114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75 114.75
6 17
% % % % % % % % % %
118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00 118.00
6 18
% % % % % % % % % %
121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30 121.30
6 19
% % % % % % % % % %
124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95 124.95
6 20
% % % % % % % % % %
128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45 128.45
6 21
% % % % % % % % % %
132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10 132.10
6 22
% % % % % % % % % %
135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90 135.90
6 23
% % % % % % % % % %
140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25 140.25
6 24 % % % % % % % % % %
144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45 144.45
6 25 % % % % % % % % % %
148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90 148.90
6 26 % % % % % % % % % %
153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90 153.90
6 27 % % % % % % % % % %
158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80 158.80
6 28 % % % % % % % % % %
163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90 163.90
6 29 % % % % % % % % % %
169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25 169.25
6 30 % % % % % % % % % %
175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30 175.30
6 31 % % % % % % % % % %
181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20 181.20
6 32 % % % % % % % % % %
187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90 187.90
6 33 % % % % % % % % % %
194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35
6 34 % % % % % % % % % %
201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70 201.70
6 35 % % % % % % % % % %
209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50 209.50
6 36 % % % % % % % % % %
217.65 217.65 217.65 217.65 217.65 217.65 217.65 217.65 217.65
6 37 % % % % % % % % % NA
226.25 226.25 226.25 226.25 226.25 226.25 226.25 226.25
6 38 % % % % % % % % NA NA
235.30 235.30 235.30 235.30 235.30 235.30 235.30
6 39 % % % % % % % NA NA NA
244.85 244.85 244.85 244.85 244.85 244.85
6 40 % % % % % % NA NA NA NA
7 12 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50% 99.50%
Page 49 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65
7 13 % % % % % % % % % %
107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65 107.65
7 14 % % % % % % % % % %
114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30 114.30
7 15 % % % % % % % % % %
117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80 117.80
7 16 % % % % % % % % % %
121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75 121.75
7 17 % % % % % % % % % %
125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70 125.70
7 18 % % % % % % % % % %
129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95 129.95
7 19 % % % % % % % % % %
134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70 134.70
7 20 % % % % % % % % % %
139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45 139.45
7 21 % % % % % % % % % %
144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25 144.25
7 22 % % % % % % % % % %
149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35 149.35
7 23 % % % % % % % % % %
154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95 154.95
7 24 % % % % % % % % % %
160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55 160.55
7 25 % % % % % % % % % %
166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45 166.45
7 26 % % % % % % % % % %
173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05 173.05
7 27 % % % % % % % % % %
179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60 179.60
7 28 % % % % % % % % % %
186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50 186.50
7 29 % % % % % % % % % %
194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20 194.20
7 30 % % % % % % % % % %
201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80 201.80
7 31 % % % % % % % % % %
210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40 210.40
7 32 % % % % % % % % % %
218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85 218.85
7 33 % % % % % % % % % %
228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35 228.35
7 34 % % % % % % % % % %
237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70
7 35 % % % % % % % % % %
248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30 248.30
7 36 % % % % % % % % % %
259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50
7 37 % % % % % % % % % NA
271.30 271.30 271.30 271.30 271.30 271.30 271.30 271.30
7 38 % % % % % % % % NA NA
283.80 283.80 283.80 283.80 283.80 283.80 283.80
7 39 % % % % % % % NA NA NA
Page 50 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
297.05 297.05 297.05 297.05 297.05 297.05
7 40 % % % % % % NA NA NA NA
100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90 100.90
8 13 % % % % % % % % % %
103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35 103.35
8 14 % % % % % % % % % %
108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85 108.85
8 15 % % % % % % % % % %
115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55 115.55
8 16 % % % % % % % % % %
119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75 119.75
8 17 % % % % % % % % % %
124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30 124.30
8 18 % % % % % % % % % %
128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60 128.60
8 19 % % % % % % % % % %
133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40 133.40
8 20 % % % % % % % % % %
138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30 138.30
8 21 % % % % % % % % % %
142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95 142.95
8 22 % % % % % % % % % %
148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40 148.40
8 23 % % % % % % % % % %
154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15 154.15
8 24 % % % % % % % % % %
159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90 159.90
8 25 % % % % % % % % % %
165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95 165.95
8 26 % % % % % % % % % %
172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30 172.30
8 27 % % % % % % % % % %
179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40 179.40
8 28 % % % % % % % % % %
186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45 186.45
8 29 % % % % % % % % % %
194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35 194.35
8 30 % % % % % % % % % %
202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20 202.20
8 31 % % % % % % % % % %
211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00 211.00
8 32 % % % % % % % % % %
219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70 219.70
8 33 % % % % % % % % % %
228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80 228.80
8 34 % % % % % % % % % %
237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70 237.70
8 35 % % % % % % % % % %
248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45 248.45
8 36 % % % % % % % % % %
259.85 259.85 259.85 259.85 259.85 259.85 259.85 259.85 259.85
8 37 % % % % % % % % % NA
271.95 271.95 271.95 271.95 271.95 271.95 271.95 271.95
8 38 % % % % % % % % NA NA
Page 51 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
284.70 284.70 284.70 284.70 284.70 284.70 284.70
8 39 % % % % % % % NA NA NA
298.20 298.20 298.20 298.20 298.20 298.20
8 40 % % % % % % NA NA NA NA
9 14 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25% 99.25%
101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65 101.65
9 15 % % % % % % % % % %
106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40 106.40
9 16 % % % % % % % % % %
111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40 111.40
9 17 % % % % % % % % % %
116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95 116.95
9 18 % % % % % % % % % %
122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15 122.15
9 19 % % % % % % % % % %
127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65
9 20 % % % % % % % % % %
132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40 132.40
9 21 % % % % % % % % % %
137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95 137.95
9 22 % % % % % % % % % %
143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10 143.10
9 23 % % % % % % % % % %
148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55 148.55
9 24 % % % % % % % % % %
154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05 154.05
9 25 % % % % % % % % % %
159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80 159.80
9 26 % % % % % % % % % %
165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85 165.85
9 27 % % % % % % % % % %
172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60 172.60
9 28 % % % % % % % % % %
179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30 179.30
9 29 % % % % % % % % % %
186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80 186.80
9 30 % % % % % % % % % %
194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25 194.25
9 31 % % % % % % % % % %
202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05 202.05
9 32 % % % % % % % % % %
210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25 210.25
9 33 % % % % % % % % % %
218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25 218.25
9 34 % % % % % % % % % %
227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25 227.25
9 35 % % % % % % % % % %
237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40 237.40
9 36 % % % % % % % % % %
248.15 248.15 248.15 248.15 248.15 248.15 248.15 248.15 248.15
9 37 % % % % % % % % % NA
259.50 259.50 259.50 259.50 259.50 259.50 259.50 259.50
9 38 % % % % % % % % NA NA
Page 52 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
271.55 271.55 271.55 271.55 271.55 271.55 271.55
9 39 % % % % % % % NA NA NA
284.25 284.25 284.25 284.25 284.25 284.25
9 40 % % % % % % NA NA NA NA
10 10 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20% 84.20%
10 15 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10% 96.10%
10 16 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20% 98.20%
103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95 103.95
10 17 % % % % % % % % % %
110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00 110.00
10 18 % % % % % % % % % %
116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20 116.20
10 19 % % % % % % % % % %
122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45 122.45
10 20 % % % % % % % % % %
127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10 127.10
10 21 % % % % % % % % % %
133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20 133.20
10 22 % % % % % % % % % %
137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85 137.85
10 23 % % % % % % % % % %
143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05 143.05
10 24 % % % % % % % % % %
148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80 148.80
10 25 % % % % % % % % % %
154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00 154.00
10 26 % % % % % % % % % %
160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10 160.10
10 27 % % % % % % % % % %
166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15 166.15
10 28 % % % % % % % % % %
172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95 172.95
10 29 % % % % % % % % % %
179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65 179.65
10 30 % % % % % % % % % %
186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75 186.75
10 31 % % % % % % % % % %
193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65 193.65
10 32 % % % % % % % % % %
201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40 201.40
10 33 % % % % % % % % % %
208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95 208.95
10 34 % % % % % % % % % %
217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40 217.40
10 35 % % % % % % % % % %
227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00 227.00
10 36 % % % % % % % % % %
237.15 237.15 237.15 237.15 237.15 237.15 237.15 237.15 237.15
10 37 % % % % % % % % % NA
247.85 247.85 247.85 247.85 247.85 247.85 247.85 247.85
10 38 % % % % % % % % NA NA
259.15 259.15 259.15 259.15 259.15 259.15 259.15
10 39 % % % % % % % NA NA NA
Page 53 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
271.15 271.15 271.15 271.15 271.15 271.15
10 40 % % % % % % NA NA NA NA
11 16 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45% 93.45%
11 17 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35% 95.35%
101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05 101.05
11 18 % % % % % % % % % %
106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20 106.20
11 19 % % % % % % % % % %
111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90 111.90
11 20 % % % % % % % % % %
116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55 116.55
11 21 % % % % % % % % % %
122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25 122.25
11 22 % % % % % % % % % %
127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65 127.65
11 23 % % % % % % % % % %
133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30 133.30
11 24 % % % % % % % % % %
138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10 138.10
11 25 % % % % % % % % % %
142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85 142.85
11 26 % % % % % % % % % %
147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85 147.85
11 27 % % % % % % % % % %
153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45 153.45
11 28 % % % % % % % % % %
159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35 159.35
11 29 % % % % % % % % % %
165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15 165.15
11 30 % % % % % % % % % %
171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25 171.25
11 31 % % % % % % % % % %
177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20 177.20
11 32 % % % % % % % % % %
183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90 183.90
11 33 % % % % % % % % % %
190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85 190.85
11 34 % % % % % % % % % %
197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65 197.65
11 35 % % % % % % % % % %
205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85 205.85
11 36 % % % % % % % % % %
214.55 214.55 214.55 214.55 214.55 214.55 214.55 214.55 214.55
11 37 % % % % % % % % % NA
223.75 223.75 223.75 223.75 223.75 223.75 223.75 223.75
11 38 % % % % % % % % NA NA
233.45 233.45 233.45 233.45 233.45 233.45 233.45
11 39 % % % % % % % NA NA NA
243.65 243.65 243.65 243.65 243.65 243.65
11 40 % % % % % % NA NA NA NA
12 12 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15% 84.15%
12 17 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35% 91.35%
12 18 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10% 93.10%
Page 54 of 106
Age --->
PPT PT 40 41 42 43 44 45 46 47 48 49
12 19 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45% 97.45%
102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60 102.60
12 20 % % % % % % % % % %
107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20 107.20
12 21 % % % % % % % % % %
112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50 112.50
12 22 % % % % % % % % % %
118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70 118.70
12 23 % % % % % % % % % %
124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25 124.25
12 24 % % % % % % % % % %
128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40 128.40
12 25 % % % % % % % % % %
132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80 132.80
12 26 % % % % % % % % % %
137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45 137.45
12 27 % % % % % % % % % %
142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00 142.00
12 28 % % % % % % % % % %
147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10 147.10
12 29 % % % % % % % % % %
152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15 152.15
12 30 % % % % % % % % % %
157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80 157.80
12 31 % % % % % % % % % %
162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.90
12 32 % % % % % % % % % %
168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70 168.70
12 33 % % % % % % % % % %
174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25 174.25
12 34 % % % % % % % % % %
180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50 180.50
12 35 % % % % % % % % % %
187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60 187.60
12 36 % % % % % % % % % %
195.10 195.10 195.10 195.10 195.10 195.10 195.10 195.10 195.10
12 37 % % % % % % % % % NA
203.00 203.00 203.00 203.00 203.00 203.00 203.00 203.00
12 38 % % % % % % % % NA NA
211.35 211.35 211.35 211.35 211.35 211.35 211.35
12 39 % % % % % % % NA NA NA
220.10 220.10 220.10 220.10 220.10 220.10
12 40 % % % % % % NA NA NA NA
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
Single
10 94.55% NA NA NA NA NA NA NA NA NA
Pay
5 10 95.31% 94.78% 94.78% 94.78% 94.78% 94.78% 93.78% 93.78% 93.78% 93.78%
5 11 102.95% 97.48% 97.48% 97.48% 97.48% 97.48% 97.48% 97.48% 97.48% 97.48%
5 12 107.17% 100.40% 100.40% 100.40% 100.40% 100.40% 100.40% 100.40% 100.40% 100.40%
5 13 111.88% 103.50% 103.50% 103.50% 103.50% 103.50% 103.50% 103.50% 103.50% 103.50%
Page 55 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
5 14 117.86% 107.44% 107.44% 107.44% 107.44% 107.44% 107.44% 107.44% 107.44% 107.44%
5 15 124.34% 113.19% 113.19% 113.19% 113.19% 113.19% 113.19% 113.19% 113.19% 113.19%
5 16 128.44% 114.48% 114.48% 114.48% 114.48% 114.48% 114.48% 114.48% 114.48% 114.48%
5 17 132.66% 117.20% 117.20% 117.20% 117.20% 117.20% 117.20% 117.20% 117.20% 117.20%
5 18 137.06% 120.11% 120.11% 120.11% 120.11% 120.11% 120.11% 120.11% 120.11% 120.11%
5 19 141.71% 123.43% 123.43% 123.43% 123.43% 123.43% 123.43% 123.43% 123.43% 123.43%
5 20 146.83% 126.66% 126.66% 126.66% 126.66% 126.66% 126.66% 126.66% 126.66% 126.66%
5 21 151.84% 129.70% 129.70% 129.70% 129.70% 129.70% 129.70% 129.70% 129.70% 129.70%
5 22 156.97% 133.09% 133.09% 133.09% 133.09% 133.09% 133.09% 133.09% 133.09% 133.09%
5 23 162.40% 136.82% 136.82% 136.82% 136.82% 136.82% 136.82% 136.82% 136.82% 136.82%
5 24 168.04% 140.46% 140.46% 140.46% 140.46% 140.46% 140.46% 140.46% 140.46% 140.46%
5 25 172.75% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25% 144.25%
5 26 180.51% 148.53% 148.53% 148.53% 148.53% 148.53% 148.53% 148.53% 148.53% 148.53%
5 27 187.01% 152.63% 152.63% 152.63% 152.63% 152.63% 152.63% 152.63% 152.63% NA
5 28 193.75% 157.35% 157.35% 157.35% 157.35% 157.35% 157.35% 157.35% NA NA
5 29 201.30% 161.68% 161.68% 161.68% 161.68% 161.68% 161.68% NA NA NA
5 30 208.74% 166.36% 166.36% 166.36% 166.36% 166.36% NA NA NA NA
5 31 216.47% 173.46% 173.46% 173.46% 173.46% NA NA NA NA NA
5 32 224.97% 181.50% 181.50% 181.50% NA NA NA NA NA NA
5 33 233.35% 189.26% 189.26% NA NA NA NA NA NA NA
5 34 242.76% 198.00% NA NA NA NA NA NA NA NA
5 35 251.80% NA NA NA NA NA NA NA NA NA
5 36 NA NA NA NA NA NA NA NA NA NA
6 11 98.10% 95.60% 95.60% 95.60% 95.60% 95.60% 95.60% 95.60% 95.60% 95.60%
6 12 97.55% 96.55% 96.55% 96.55% 96.55% 96.55% 95.55% 95.55% 95.55% 95.55%
6 13 102.95% 99.80% 99.80% 99.80% 99.80% 99.80% 99.80% 99.80% 99.80% 99.80%
6 14 106.45% 102.20% 102.20% 102.20% 102.20% 102.20% 102.20% 102.20% 102.20% 102.20%
6 15 108.85% 104.65% 104.65% 104.65% 104.65% 104.65% 104.65% 104.65% 104.65% 104.65%
6 16 111.85% 106.75% 106.75% 106.75% 106.75% 106.75% 106.75% 106.75% 106.75% 106.75%
6 17 114.75% 108.95% 108.95% 108.95% 108.95% 108.95% 108.95% 108.95% 108.95% 108.95%
6 18 118.00% 111.50% 111.50% 111.50% 111.50% 111.50% 111.50% 111.50% 111.50% 111.50%
6 19 121.30% 113.80% 113.80% 113.80% 113.80% 113.80% 113.80% 113.80% 113.80% 113.80%
6 20 124.95% 116.25% 116.25% 116.25% 116.25% 116.25% 116.25% 116.25% 116.25% 116.25%
6 21 128.45% 119.00% 119.00% 119.00% 119.00% 119.00% 119.00% 119.00% 119.00% 119.00%
6 22 132.10% 121.85% 121.85% 121.85% 121.85% 121.85% 121.85% 121.85% 121.85% 121.85%
6 23 135.90% 124.90% 124.90% 124.90% 124.90% 124.90% 124.90% 124.90% 124.90% 124.90%
Page 56 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
6 24 140.25% 128.05% 128.05% 128.05% 128.05% 128.05% 128.05% 128.05% 128.05% 128.05%
6 25 144.45% 131.35% 131.35% 131.35% 131.35% 131.35% 131.35% 131.35% 131.35% 131.35%
6 26 148.90% 135.15% 135.15% 135.15% 135.15% 135.15% 135.15% 135.15% 135.15% 135.15%
6 27 153.90% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% 139.45% NA
6 28 158.80% 143.65% 143.65% 143.65% 143.65% 143.65% 143.65% 143.65% NA NA
6 29 163.90% 148.10% 148.10% 148.10% 148.10% 148.10% 148.10% NA NA NA
6 30 169.25% 152.75% 152.75% 152.75% 152.75% 152.75% NA NA NA NA
6 31 175.30% 158.80% 158.80% 158.80% 158.80% NA NA NA NA NA
6 32 181.20% 164.70% 164.70% 164.70% NA NA NA NA NA NA
6 33 187.90% 171.40% 171.40% NA NA NA NA NA NA NA
7 12 99.50% 96.75% 96.75% 96.75% 96.75% 96.75% 96.75% 96.75% 96.75% 96.75%
7 13 101.65% 98.50% 98.50% 98.50% 98.50% 98.50% 98.50% 98.50% 98.50% 98.50%
7 14 107.65% 103.80% 103.80% 103.80% 103.80% 103.80% 103.80% 103.80% 103.80% 103.80%
7 15 114.30% 109.65% 109.65% 109.65% 109.65% 109.65% 109.65% 109.65% 109.65% 109.65%
7 16 117.80% 112.35% 112.35% 112.35% 112.35% 112.35% 112.35% 112.35% 112.35% 112.35%
7 17 121.75% 115.50% 115.50% 115.50% 115.50% 115.50% 115.50% 115.50% 115.50% 115.50%
7 18 125.70% 119.05% 119.05% 119.05% 119.05% 119.05% 119.05% 119.05% 119.05% 119.05%
7 19 129.95% 122.40% 122.40% 122.40% 122.40% 122.40% 122.40% 122.40% 122.40% 122.40%
7 20 134.70% 126.00% 126.00% 126.00% 126.00% 126.00% 126.00% 126.00% 126.00% 126.00%
7 21 139.45% 129.75% 129.75% 129.75% 129.75% 129.75% 129.75% 129.75% 129.75% 129.75%
7 22 144.25% 133.90% 133.90% 133.90% 133.90% 133.90% 133.90% 133.90% 133.90% 133.90%
7 23 149.35% 138.05% 138.05% 138.05% 138.05% 138.05% 138.05% 138.05% 138.05% 138.05%
7 24 154.95% 142.45% 142.45% 142.45% 142.45% 142.45% 142.45% 142.45% 142.45% 142.45%
7 25 160.55% 147.30% 147.30% 147.30% 147.30% 147.30% 147.30% 147.30% 147.30% 147.30%
7 26 166.45% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15% 152.15%
7 27 173.05% 157.55% 157.55% 157.55% 157.55% 157.55% 157.55% 157.55% 157.55% NA
7 28 179.60% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% 162.90% NA NA
7 29 186.50% 168.45% 168.45% 168.45% 168.45% 168.45% 168.45% NA NA NA
7 30 194.20% 174.30% 174.30% 174.30% 174.30% 174.30% NA NA NA NA
7 31 201.80% 181.90% 181.90% 181.90% 181.90% NA NA NA NA NA
7 32 210.40% 190.50% 190.50% 190.50% NA NA NA NA NA NA
7 33 218.85% 198.95% 198.95% NA NA NA NA NA NA NA
Page 57 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
8 13 100.90% 97.20% 97.20% 97.20% 97.20% 97.20% 97.20% 97.20% 97.20% 97.20%
8 14 103.35% 99.20% 99.20% 99.20% 99.20% 99.20% 99.20% 99.20% 99.20% 99.20%
8 15 108.85% 103.75% 103.75% 103.75% 103.75% 103.75% 103.75% 103.75% 103.75% 103.75%
8 16 115.55% 109.45% 109.45% 109.45% 109.45% 109.45% 109.45% 109.45% 109.45% 109.45%
8 17 119.75% 112.95% 112.95% 112.95% 112.95% 112.95% 112.95% 112.95% 112.95% 112.95%
8 18 124.30% 115.90% 115.90% 115.90% 115.90% 115.90% 115.90% 115.90% 115.90% 115.90%
8 19 128.60% 119.20% 119.20% 119.20% 119.20% 119.20% 119.20% 119.20% 119.20% 119.20%
8 20 133.40% 122.65% 122.65% 122.65% 122.65% 122.65% 122.65% 122.65% 122.65% 122.65%
8 21 138.30% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05%
8 22 142.95% 130.35% 130.35% 130.35% 130.35% 130.35% 130.35% 130.35% 130.35% 130.35%
8 23 148.40% 134.35% 134.35% 134.35% 134.35% 134.35% 134.35% 134.35% 134.35% 134.35%
8 24 154.15% 138.60% 138.60% 138.60% 138.60% 138.60% 138.60% 138.60% 138.60% 138.60%
8 25 159.90% 143.35% 143.35% 143.35% 143.35% 143.35% 143.35% 143.35% 143.35% 143.35%
8 26 165.95% 148.05% 148.05% 148.05% 148.05% 148.05% 148.05% 148.05% 148.05% 148.05%
8 27 172.30% 153.30% 153.30% 153.30% 153.30% 153.30% 153.30% 153.30% 153.30% NA
8 28 179.40% 158.45% 158.45% 158.45% 158.45% 158.45% 158.45% 158.45% NA NA
8 29 186.45% 163.85% 163.85% 163.85% 163.85% 163.85% 163.85% NA NA NA
8 30 194.35% 169.95% 169.95% 169.95% 169.95% 169.95% NA NA NA NA
8 31 202.20% 177.80% 177.80% 177.80% 177.80% NA NA NA NA NA
8 32 211.00% 186.60% 186.60% 186.60% NA NA NA NA NA NA
8 33 219.70% 195.30% 195.30% NA NA NA NA NA NA NA
9 14 99.25% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80%
9 15 101.65% 96.60% 96.60% 96.60% 96.60% 96.60% 96.60% 96.60% 96.60% 96.60%
9 16 106.40% 100.80% 100.80% 100.80% 100.80% 100.80% 100.80% 100.80% 100.80% 100.80%
9 17 111.40% 104.85% 104.85% 104.85% 104.85% 104.85% 104.85% 104.85% 104.85% 104.85%
9 18 116.95% 108.80% 108.80% 108.80% 108.80% 108.80% 108.80% 108.80% 108.80% 108.80%
9 19 122.15% 112.90% 112.90% 112.90% 112.90% 112.90% 112.90% 112.90% 112.90% 112.90%
Page 58 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
9 20 127.65% 117.40% 117.40% 117.40% 117.40% 117.40% 117.40% 117.40% 117.40% 117.40%
9 21 132.40% 120.55% 120.55% 120.55% 120.55% 120.55% 120.55% 120.55% 120.55% 120.55%
9 22 137.95% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30% 124.30%
9 23 143.10% 128.20% 128.20% 128.20% 128.20% 128.20% 128.20% 128.20% 128.20% 128.20%
9 24 148.55% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10% 132.10%
9 25 154.05% 136.20% 136.20% 136.20% 136.20% 136.20% 136.20% 136.20% 136.20% 136.20%
9 26 159.80% 140.75% 140.75% 140.75% 140.75% 140.75% 140.75% 140.75% 140.75% 140.75%
9 27 165.85% 145.25% 145.25% 145.25% 145.25% 145.25% 145.25% 145.25% 145.25% NA
9 28 172.60% 150.30% 150.30% 150.30% 150.30% 150.30% 150.30% 150.30% NA NA
9 29 179.30% 155.25% 155.25% 155.25% 155.25% 155.25% 155.25% NA NA NA
9 30 186.80% 160.85% 160.85% 160.85% 160.85% 160.85% NA NA NA NA
9 31 194.25% 168.30% 168.30% 168.30% 168.30% NA NA NA NA NA
9 32 202.05% 176.10% 176.10% 176.10% NA NA NA NA NA NA
9 33 210.25% 184.30% 184.30% NA NA NA NA NA NA NA
10 10 84.20% 83.70% 83.70% 83.70% 83.70% 83.70% 83.70% 83.70% 83.70% 83.70%
10 15 96.10% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00%
10 16 98.20% 93.65% 93.65% 93.65% 93.65% 93.65% 93.65% 93.65% 93.65% 93.65%
10 17 103.95% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
10 18 110.00% 102.55% 102.55% 102.55% 102.55% 102.55% 102.55% 102.55% 102.55% 102.55%
10 19 116.20% 107.35% 107.35% 107.35% 107.35% 107.35% 107.35% 107.35% 107.35% 107.35%
10 20 122.45% 121.10% 121.10% 121.10% 121.10% 121.10% 121.10% 121.10% 121.10% 121.10%
10 21 127.10% 115.45% 115.45% 115.45% 115.45% 115.45% 115.45% 115.45% 115.45% 115.45%
10 22 133.20% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85%
10 23 137.85% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25% 122.25%
10 24 143.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05% 126.05%
10 25 148.80% 129.80% 129.80% 129.80% 129.80% 129.80% 129.80% 129.80% 129.80% 129.80%
10 26 154.00% 133.70% 133.70% 133.70% 133.70% 133.70% 133.70% 133.70% 133.70% 133.70%
10 27 160.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% 138.10% NA
10 28 166.15% 142.75% 142.75% 142.75% 142.75% 142.75% 142.75% 142.75% NA NA
10 29 172.95% 147.30% 147.30% 147.30% 147.30% 147.30% 147.30% NA NA NA
10 30 179.65% 152.40% 152.40% 152.40% 152.40% 152.40% NA NA NA NA
10 31 186.75% 159.50% 159.50% 159.50% 159.50% NA NA NA NA NA
10 32 193.65% 166.40% 166.40% 166.40% NA NA NA NA NA NA
Page 59 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
10 33 201.40% 174.15% 174.15% NA NA NA NA NA NA NA
11 16 93.45% 89.65% 89.65% 89.65% 89.65% 89.65% 89.65% 89.65% 89.65% 89.65%
11 17 95.35% 91.15% 91.15% 91.15% 91.15% 91.15% 91.15% 91.15% 91.15% 91.15%
11 18 101.05% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80% 94.80%
11 19 106.20% 98.15% 98.15% 98.15% 98.15% 98.15% 98.15% 98.15% 98.15% 98.15%
11 20 111.90% 101.40% 101.40% 101.40% 101.40% 101.40% 101.40% 101.40% 101.40% 101.40%
11 21 116.55% 104.60% 104.60% 104.60% 104.60% 104.60% 104.60% 104.60% 104.60% 104.60%
11 22 122.25% 107.90% 107.90% 107.90% 107.90% 107.90% 107.90% 107.90% 107.90% 107.90%
11 23 127.65% 111.70% 111.70% 111.70% 111.70% 111.70% 111.70% 111.70% 111.70% 111.70%
11 24 133.30% 115.60% 115.60% 115.60% 115.60% 115.60% 115.60% 115.60% 115.60% 115.60%
11 25 138.10% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85% 118.85%
11 26 142.85% 122.30% 122.30% 122.30% 122.30% 122.30% 122.30% 122.30% 122.30% 122.30%
11 27 147.85% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% 125.70% NA
11 28 153.45% 129.50% 129.50% 129.50% 129.50% 129.50% 129.50% 129.50% NA NA
11 29 159.35% 133.50% 133.50% 133.50% 133.50% 133.50% 133.50% NA NA NA
11 30 165.15% 137.75% 137.75% 137.75% 137.75% 137.75% NA NA NA NA
11 31 171.25% 143.85% 143.85% 143.85% 143.85% NA NA NA NA NA
11 32 177.20% 149.80% 149.80% 149.80% NA NA NA NA NA NA
11 33 183.90% 156.50% 156.50% NA NA NA NA NA NA NA
12 12 84.15% 83.60% 83.60% 83.60% 83.60% 83.60% 83.60% 83.60% 83.60% 83.60%
12 17 91.35% 87.35% 87.35% 87.35% 87.35% 87.35% 87.35% 87.35% 87.35% 87.35%
12 18 93.10% 88.70% 88.70% 88.70% 88.70% 88.70% 88.70% 88.70% 88.70% 88.70%
12 19 97.45% 92.35% 92.35% 92.35% 92.35% 92.35% 92.35% 92.35% 92.35% 92.35%
12 20 102.60% 95.75% 95.75% 95.75% 95.75% 95.75% 95.75% 95.75% 95.75% 95.75%
12 21 107.20% 99.00% 99.00% 99.00% 99.00% 99.00% 99.00% 99.00% 99.00% 99.00%
12 22 112.50% 102.05% 102.05% 102.05% 102.05% 102.05% 102.05% 102.05% 102.05% 102.05%
Page 60 of 106
Age --->
PPT PT 50 51 52 53 54 55 56 57 58 59
12 23 118.70% 105.05% 105.05% 105.05% 105.05% 105.05% 105.05% 105.05% 105.05% 105.05%
12 24 124.25% 107.85% 107.85% 107.85% 107.85% 107.85% 107.85% 107.85% 107.85% 107.85%
12 25 128.40% 111.05% 111.05% 111.05% 111.05% 111.05% 111.05% 111.05% 111.05% 111.05%
12 26 132.80% 114.00% 114.00% 114.00% 114.00% 114.00% 114.00% 114.00% 114.00% 114.00%
12 27 137.45% 116.90% 116.90% 116.90% 116.90% 116.90% 116.90% 116.90% 116.90% NA
12 28 142.00% 119.90% 119.90% 119.90% 119.90% 119.90% 119.90% 119.90% NA NA
12 29 147.10% 122.75% 122.75% 122.75% 122.75% 122.75% 122.75% NA NA NA
12 30 152.15% 125.65% 125.65% 125.65% 125.65% 125.65% NA NA NA NA
12 31 157.80% 131.30% 131.30% 131.30% 131.30% NA NA NA NA NA
12 32 162.90% 136.40% 136.40% 136.40% NA NA NA NA NA NA
12 33 168.70% 142.20% 142.20% NA NA NA NA NA NA NA
Age --->
PPT PT 60 61 62 63 64 65
Single
10 NA NA NA NA NA NA
Pay
5 10 93.78% 93.78% 93.78% 93.78% 93.78% 93.78%
5 11 97.48% 97.48% 97.48% 97.48% 97.48% 97.48%
5 12 100.40% 100.40% 100.40% 100.40% 100.40% 100.40%
5 13 103.50% 103.50% 103.50% 103.50% 103.50% 103.50%
5 14 107.44% 107.44% 107.44% 107.44% 107.44% 107.44%
5 15 113.19% 113.19% 113.19% 113.19% 113.19% 113.19%
5 16 114.48% 114.48% 114.48% 114.48% 114.48% 114.48%
5 17 117.20% 117.20% 117.20% 117.20% 117.20% 117.20%
5 18 120.11% 120.11% 120.11% 120.11% 120.11% 120.11%
5 19 123.43% 123.43% 123.43% 123.43% 123.43% 123.43%
5 20 126.66% 126.66% 126.66% 126.66% 126.66% 126.66%
5 21 129.70% 129.70% 129.70% 129.70% 129.70% NA
5 22 133.09% 133.09% 133.09% 133.09% NA NA
5 23 136.82% 136.82% 136.82% NA NA NA
5 24 140.46% 140.46% NA NA NA NA
5 25 144.25% NA NA NA NA NA
5 26 NA NA NA NA NA NA
Page 61 of 106
Age --->
PPT PT 60 61 62 63 64 65
6 11 95.60% 95.60% 95.60% 95.60% 95.60% 95.60%
6 12 95.55% 95.55% 95.55% 95.55% 95.55% 95.55%
6 13 99.80% 99.80% 99.80% 99.80% 99.80% 99.80%
6 14 102.20% 102.20% 102.20% 102.20% 102.20% 102.20%
6 15 104.65% 104.65% 104.65% 104.65% 104.65% 104.65%
6 16 106.75% 106.75% 106.75% 106.75% 106.75% 106.75%
6 17 108.95% 108.95% 108.95% 108.95% 108.95% 108.95%
6 18 111.50% 111.50% 111.50% 111.50% 111.50% 111.50%
6 19 113.80% 113.80% 113.80% 113.80% 113.80% 113.80%
6 20 116.25% 116.25% 116.25% 116.25% 116.25% 116.25%
6 21 119.00% 119.00% 119.00% 119.00% 119.00% NA
6 22 121.85% 121.85% 121.85% 121.85% NA NA
6 23 124.90% 124.90% 124.90% NA NA NA
6 24 128.05% 128.05% NA NA NA NA
6 25 131.35% NA NA NA NA NA
Page 62 of 106
Age --->
PPT PT 60 61 62 63 64 65
7 12 96.75% 96.75% 96.75% 96.75% 96.75% 96.75%
7 13 98.50% 98.50% 98.50% 98.50% 98.50% 98.50%
7 14 103.80% 103.80% 103.80% 103.80% 103.80% 103.80%
7 15 109.65% 109.65% 109.65% 109.65% 109.65% 109.65%
7 16 112.35% 112.35% 112.35% 112.35% 112.35% 112.35%
7 17 115.50% 115.50% 115.50% 115.50% 115.50% 115.50%
7 18 119.05% 119.05% 119.05% 119.05% 119.05% 119.05%
7 19 122.40% 122.40% 122.40% 122.40% 122.40% 122.40%
7 20 126.00% 126.00% 126.00% 126.00% 126.00% 126.00%
7 21 129.75% 129.75% 129.75% 129.75% 129.75% NA
7 22 133.90% 133.90% 133.90% 133.90% NA NA
7 23 138.05% 138.05% 138.05% NA NA NA
7 24 142.45% 142.45% NA NA NA NA
7 25 147.30% NA NA NA NA NA
8 13 97.20% 97.20% 97.20% 97.20% 97.20% 97.20%
8 14 99.20% 99.20% 99.20% 99.20% 99.20% 99.20%
8 15 103.75% 103.75% 103.75% 103.75% 103.75% 103.75%
8 16 109.45% 109.45% 109.45% 109.45% 109.45% 109.45%
8 17 112.95% 112.95% 112.95% 112.95% 112.95% 112.95%
Page 63 of 106
Age --->
PPT PT 60 61 62 63 64 65
8 18 115.90% 115.90% 115.90% 115.90% 115.90% 115.90%
8 19 119.20% 119.20% 119.20% 119.20% 119.20% 119.20%
8 20 122.65% 122.65% 122.65% 122.65% 122.65% 122.65%
8 21 126.05% 126.05% 126.05% 126.05% 126.05% NA
8 22 130.35% 130.35% 130.35% 130.35% NA NA
8 23 134.35% 134.35% 134.35% NA NA NA
8 24 138.60% 138.60% NA NA NA NA
8 25 143.35% NA NA NA NA NA
9 14 94.80% 94.80% 94.80% 94.80% 94.80% 94.80%
9 15 96.60% 96.60% 96.60% 96.60% 96.60% 96.60%
9 16 100.80% 100.80% 100.80% 100.80% 100.80% 100.80%
9 17 104.85% 104.85% 104.85% 104.85% 104.85% 104.85%
9 18 108.80% 108.80% 108.80% 108.80% 108.80% 108.80%
9 19 112.90% 112.90% 112.90% 112.90% 112.90% 112.90%
9 20 117.40% 117.40% 117.40% 117.40% 117.40% 117.40%
9 21 120.55% 120.55% 120.55% 120.55% 120.55% NA
9 22 124.30% 124.30% 124.30% 124.30% NA NA
9 23 128.20% 128.20% 128.20% NA NA NA
9 24 132.10% 132.10% NA NA NA NA
9 25 136.20% NA NA NA NA NA
Page 64 of 106
Age --->
PPT PT 60 61 62 63 64 65
10 10 83.70% 83.70% 83.70% 83.70% 83.70% 83.70%
10 15 92.00% 92.00% 92.00% 92.00% 92.00% 92.00%
10 16 93.65% 93.65% 93.65% 93.65% 93.65% 93.65%
10 17 97.55% 97.55% 97.55% 97.55% 97.55% 97.55%
10 18 102.55% 102.55% 102.55% 102.55% 102.55% 102.55%
10 19 107.35% 107.35% 107.35% 107.35% 107.35% 107.35%
10 20 121.10% 121.10% 121.10% 121.10% 121.10% 121.10%
10 21 115.45% 115.45% 115.45% 115.45% 115.45% NA
10 22 118.85% 118.85% 118.85% 118.85% NA NA
10 23 122.25% 122.25% 122.25% NA NA NA
10 24 126.05% 126.05% NA NA NA NA
10 25 129.80% NA NA NA NA NA
11 16 89.65% 89.65% 89.65% 89.65% 89.65% 89.65%
Page 65 of 106
Age --->
PPT PT 60 61 62 63 64 65
11 17 91.15% 91.15% 91.15% 91.15% 91.15% 91.15%
11 18 94.80% 94.80% 94.80% 94.80% 94.80% 94.80%
11 19 98.15% 98.15% 98.15% 98.15% 98.15% 98.15%
11 20 101.40% 101.40% 101.40% 101.40% 101.40% 101.40%
11 21 104.60% 104.60% 104.60% 104.60% 104.60% NA
11 22 107.90% 107.90% 107.90% 107.90% NA NA
11 23 111.70% 111.70% 111.70% NA NA NA
11 24 115.60% 115.60% NA NA NA NA
11 25 118.85% NA NA NA NA NA
12 12 83.60% 83.60% 83.60% 83.60% 83.60% 83.60%
12 17 87.35% 87.35% 87.35% 87.35% 87.35% 87.35%
12 18 88.70% 88.70% 88.70% 88.70% 88.70% 88.70%
12 19 92.35% 92.35% 92.35% 92.35% 92.35% 92.35%
12 20 95.75% 95.75% 95.75% 95.75% 95.75% 95.75%
12 21 99.00% 99.00% 99.00% 99.00% 99.00% NA
12 22 102.05% 102.05% 102.05% 102.05% NA NA
12 23 105.05% 105.05% 105.05% NA NA NA
12 24 107.85% 107.85% NA NA NA NA
12 25 111.05% NA NA NA NA NA
Page 66 of 106
Age --->
PPT PT 60 61 62 63 64 65
For Option III:

Single Life
Premium Payment Term 1 Premium Payment Term 5 Premium Payment Term 10
Single
Year, Policy Term 5 Years Years, Policy Term 5 Years Years, Policy Term 10 Years
Life
Age GMB Factor

45 13.33 11.72 12.12
46 13.24 11.65 12.01
47 13.16 11.57 11.9
48 13.07 11.49 11.78
49 12.97 11.4 11.66
50 12.88 11.32 11.54
51 12.77 11.23 11.41
52 12.67 11.14 11.28
53 12.56 11.04 11.14
54 12.44 10.95 11
55 12.32 10.84 10.86
56 12.2 10.74 10.71
57 12.07 10.63 10.56
58 11.94 10.52 10.41
59 11.8 10.4 10.25
60 11.65 10.28 10.09
61 11.5 10.15 9.93
62 11.35 10.02 9.76
63 11.19 9.89 9.59
64 11.02 9.75 9.41
65 10.85 9.61 9.24
Page 67 of 106
Premium Payment Term Premium Payment Term Premium Payment Term Premium Payment Term
Single
6 Years, Policy Term 6 7 Years, Policy Term 7 8 Years, Policy Term 8 9 Years, Policy Term 9
Life
Years Years Years Years
Age GMB Factor
45 11.67 12.39 12.33 12.26
46 11.59 12.29 12.22 12.15
47 11.51 12.19 12.12 12.04
48 11.43 12.09 12.01 11.93
49 11.34 11.98 11.9 11.81
50 11.25 11.88 11.79 11.69
51 11.15 11.76 11.67 11.57
52 11.06 11.65 11.55 11.44
53 10.96 11.53 11.42 11.31
54 10.86 11.4 11.29 11.18
55 10.75 11.28 11.16 11.04
56 10.64 11.15 11.02 10.9
57 10.52 11.01 10.88 10.75
58 10.41 10.87 10.74 10.6
59 10.28 10.73 10.59 10.45
60 10.16 10.58 10.44 10.29
61 10.03 10.43 10.28 10.13
62 9.89 10.28 10.12 9.96
63 9.76 10.12 9.96 9.8
64 9.61 9.95 9.79 9.62
65 9.47 9.79 9.62 9.45
Premium Payment Term 11 Premium Payment Term 12

Single
Year, Policy Term 11 Years Years, Policy Term 12 Years
Life
Age GMB Factor
45 12.24 12.17
46 12.12 12.04
47 12 11.91
48 11.87 11.77
49 11.74 11.64
50 11.61 11.5
51 11.47 11.35
52 11.33 11.21
53 11.18 11.05
54 11.03 10.9
55 10.88 10.74
56 10.72 10.58
57 10.56 10.42
Page 68 of 106
58 10.4 10.25
59 10.23 10.07
60 10.06 9.9
61 9.89 9.72
62 9.71 9.54
63 9.53 9.35
64 9.35 9.17
65 9.16 8.98
For Option III:

Joint Life - Premium Payment Term 1 Year, Policy Term 5 Years
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 14.26 14.22 14.18 14.15 14.11 14.08 14.04 14.01 13.98 13.95
46 14.22 14.20 14.16 14.13 14.09 14.05 14.02 13.98 13.95 13.91
47 14.18 14.16 14.14 14.10 14.06 14.03 13.99 13.95 13.91 13.88
48 14.15 14.13 14.10 14.08 14.04 14.00 13.96 13.92 13.88 13.84
49 14.11 14.09 14.06 14.04 14.02 13.97 13.93 13.89 13.85 13.81
50 14.08 14.05 14.03 14.00 13.97 13.95 13.90 13.86 13.82 13.77
51 14.04 14.02 13.99 13.96 13.93 13.90 13.88 13.83 13.78 13.74
52 14.01 13.98 13.95 13.92 13.89 13.86 13.83 13.80 13.75 13.70
53 13.98 13.95 13.91 13.88 13.85 13.82 13.78 13.75 13.72 13.67
54 13.95 13.91 13.88 13.84 13.81 13.77 13.74 13.70 13.67 13.64
55 13.92 13.88 13.84 13.81 13.77 13.73 13.69 13.66 13.62 13.58
56 13.89 13.85 13.81 13.77 13.73 13.69 13.65 13.61 13.57 13.53
57 13.86 13.82 13.78 13.73 13.69 13.65 13.61 13.56 13.52 13.48
58 13.83 13.79 13.74 13.70 13.65 13.61 13.57 13.52 13.47 13.43
59 13.80 13.76 13.71 13.67 13.62 13.57 13.52 13.48 13.43 13.38
60 13.78 13.73 13.68 13.63 13.58 13.53 13.48 13.43 13.38 13.33
61 13.75 13.70 13.65 13.60 13.55 13.50 13.45 13.39 13.34 13.28
62 13.73 13.68 13.62 13.57 13.52 13.46 13.41 13.35 13.29 13.24
63 13.70 13.65 13.60 13.54 13.48 13.43 13.37 13.31 13.25 13.19
64 13.68 13.62 13.57 13.51 13.45 13.39 13.33 13.27 13.21 13.15
65 13.66 13.60 13.54 13.48 13.42 13.36 13.30 13.24 13.17 13.11
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 13.92 13.89 13.86 13.83 13.80 13.78 13.75 13.73 13.70 13.68 13.66
46 13.88 13.85 13.82 13.79 13.76 13.73 13.70 13.68 13.65 13.62 13.60
47 13.84 13.81 13.78 13.74 13.71 13.68 13.65 13.62 13.60 13.57 13.54
48 13.81 13.77 13.73 13.70 13.67 13.63 13.60 13.57 13.54 13.51 13.48
49 13.77 13.73 13.69 13.65 13.62 13.58 13.55 13.52 13.48 13.45 13.42
Page 69 of 106
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
50 13.73 13.69 13.65 13.61 13.57 13.53 13.50 13.46 13.43 13.39 13.36
51 13.69 13.65 13.61 13.57 13.52 13.48 13.45 13.41 13.37 13.33 13.30
52 13.66 13.61 13.56 13.52 13.48 13.43 13.39 13.35 13.31 13.27 13.24
53 13.62 13.57 13.52 13.47 13.43 13.38 13.34 13.29 13.25 13.21 13.17
54 13.58 13.53 13.48 13.43 13.38 13.33 13.28 13.24 13.19 13.15 13.11
55 13.55 13.49 13.44 13.38 13.33 13.28 13.23 13.18 13.13 13.08 13.04
56 13.49 13.45 13.40 13.34 13.28 13.23 13.18 13.12 13.07 13.02 12.97
57 13.44 13.40 13.35 13.29 13.24 13.18 13.12 13.07 13.01 12.96 12.90
58 13.38 13.34 13.29 13.25 13.19 13.13 13.07 13.01 12.95 12.89 12.84
59 13.33 13.28 13.24 13.19 13.14 13.08 13.01 12.95 12.89 12.83 12.77
60 13.28 13.23 13.18 13.13 13.08 13.03 12.96 12.89 12.83 12.76 12.70
61 13.23 13.18 13.12 13.07 13.01 12.96 12.90 12.83 12.76 12.69 12.63
62 13.18 13.12 13.07 13.01 12.95 12.89 12.83 12.78 12.70 12.63 12.56
63 13.13 13.07 13.01 12.95 12.89 12.83 12.76 12.70 12.64 12.56 12.49
64 13.08 13.02 12.96 12.89 12.83 12.76 12.69 12.63 12.56 12.50 12.42
65 13.04 12.97 12.90 12.84 12.77 12.70 12.63 12.56 12.49 12.42 12.35
Joint Life - Premium Payment Term 5 Years, Policy Term 5 Years
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 12.43 12.40 12.38 12.35 12.33 12.30 12.28 12.25 12.23 12.21
46 12.40 12.37 12.35 12.32 12.29 12.27 12.24 12.22 12.19 12.17
47 12.38 12.35 12.32 12.29 12.26 12.23 12.21 12.18 12.15 12.13
48 12.35 12.32 12.29 12.26 12.23 12.20 12.17 12.14 12.12 12.09
49 12.33 12.29 12.26 12.23 12.20 12.17 12.14 12.11 12.08 12.05
50 12.30 12.27 12.23 12.20 12.17 12.13 12.10 12.07 12.04 12.01
51 12.28 12.24 12.21 12.17 12.14 12.10 12.07 12.04 12.00 11.97
52 12.25 12.22 12.18 12.14 12.11 12.07 12.04 12.00 11.97 11.93
53 12.23 12.19 12.15 12.12 12.08 12.04 12.00 11.97 11.93 11.90
54 12.21 12.17 12.13 12.09 12.05 12.01 11.97 11.93 11.90 11.86
55 12.19 12.14 12.10 12.06 12.02 11.98 11.94 11.90 11.86 11.82
56 12.16 12.12 12.08 12.04 11.99 11.95 11.91 11.87 11.83 11.78
57 12.14 12.10 12.05 12.01 11.97 11.92 11.88 11.83 11.79 11.75
58 12.12 12.08 12.03 11.99 11.94 11.89 11.85 11.80 11.76 11.71
59 12.10 12.06 12.01 11.96 11.91 11.87 11.82 11.77 11.72 11.68
60 12.08 12.03 11.99 11.94 11.89 11.84 11.79 11.74 11.69 11.64
61 12.06 12.01 11.96 11.91 11.86 11.81 11.76 11.71 11.66 11.61
62 12.05 11.99 11.94 11.89 11.84 11.79 11.73 11.68 11.63 11.57
Page 70 of 106
63 12.03 11.98 11.92 11.87 11.82 11.76 11.71 11.65 11.60 11.54
64 12.01 11.96 11.90 11.85 11.79 11.74 11.68 11.62 11.57 11.51
65 11.99 11.94 11.88 11.83 11.77 11.71 11.65 11.60 11.54 11.48
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.19 12.16 12.14 12.12 12.10 12.08 12.06 12.05 12.03 12.01 11.99
46 12.14 12.12 12.10 12.08 12.06 12.03 12.01 11.99 11.98 11.96 11.94
47 12.10 12.08 12.05 12.03 12.01 11.99 11.96 11.94 11.92 11.90 11.88
48 12.06 12.04 12.01 11.99 11.96 11.94 11.91 11.89 11.87 11.85 11.83
49 12.02 11.99 11.97 11.94 11.91 11.89 11.86 11.84 11.82 11.79 11.77
50 11.98 11.95 11.92 11.89 11.87 11.84 11.81 11.79 11.76 11.74 11.71
51 11.94 11.91 11.88 11.85 11.82 11.79 11.76 11.73 11.71 11.68 11.65
52 11.90 11.87 11.83 11.80 11.77 11.74 11.71 11.68 11.65 11.62 11.60
53 11.86 11.83 11.79 11.76 11.72 11.69 11.66 11.63 11.60 11.57 11.54
54 11.82 11.78 11.75 11.71 11.68 11.64 11.61 11.57 11.54 11.51 11.48
55 11.78 11.74 11.70 11.67 11.63 11.59 11.56 11.52 11.48 11.45 11.42
56 11.74 11.70 11.66 11.62 11.58 11.54 11.50 11.47 11.43 11.39 11.36
57 11.70 11.66 11.62 11.58 11.54 11.49 11.45 11.41 11.37 11.33 11.29
58 11.67 11.62 11.58 11.53 11.49 11.44 11.40 11.36 11.32 11.27 11.23
59 11.63 11.58 11.54 11.49 11.44 11.40 11.35 11.30 11.26 11.22 11.17
60 11.59 11.54 11.49 11.44 11.40 11.35 11.30 11.25 11.20 11.16 11.11
61 11.56 11.50 11.45 11.40 11.35 11.30 11.25 11.20 11.15 11.10 11.05
62 11.52 11.47 11.41 11.36 11.30 11.25 11.20 11.14 11.09 11.04 10.99
63 11.48 11.43 11.37 11.32 11.26 11.20 11.15 11.09 11.03 10.98 10.92
64 11.45 11.39 11.33 11.27 11.22 11.16 11.10 11.04 10.98 10.92 10.86
65 11.42 11.36 11.29 11.23 11.17 11.11 11.05 10.99 10.92 10.86 10.80
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 12.41 12.38 12.35 12.33 12.30 12.27 12.25 12.22 12.20 12.17
46 12.38 12.35 12.32 12.29 12.26 12.24 12.21 12.18 12.16 12.13
47 12.35 12.32 12.29 12.26 12.23 12.20 12.17 12.14 12.11 12.09
48 12.33 12.29 12.26 12.23 12.20 12.16 12.13 12.10 12.07 12.05
49 12.30 12.26 12.23 12.20 12.16 12.13 12.10 12.07 12.03 12.00
50 12.27 12.24 12.20 12.16 12.13 12.09 12.06 12.03 11.99 11.96
Page 71 of 106
51 12.25 12.21 12.17 12.13 12.10 12.06 12.02 11.99 11.95 11.92
52 12.22 12.18 12.14 12.10 12.07 12.03 11.99 11.95 11.91 11.88
53 12.20 12.16 12.11 12.07 12.03 11.99 11.95 11.91 11.88 11.84
54 12.17 12.13 12.09 12.05 12.00 11.96 11.92 11.88 11.84 11.80
55 12.15 12.10 12.06 12.02 11.97 11.93 11.89 11.84 11.80 11.76
56 12.13 12.08 12.03 11.99 11.94 11.90 11.85 11.81 11.76 11.72
57 12.10 12.06 12.01 11.96 11.91 11.87 11.82 11.77 11.73 11.68
58 12.08 12.03 11.98 11.93 11.89 11.84 11.79 11.74 11.69 11.64
59 12.06 12.01 11.96 11.91 11.86 11.81 11.76 11.70 11.65 11.60
60 12.04 11.99 11.94 11.88 11.83 11.78 11.72 11.67 11.62 11.57
61 12.02 11.97 11.91 11.86 11.80 11.75 11.69 11.64 11.58 11.53
62 12.00 11.94 11.89 11.83 11.78 11.72 11.66 11.61 11.55 11.49
63 11.98 11.92 11.87 11.81 11.75 11.69 11.63 11.58 11.52 11.46
64 11.96 11.90 11.85 11.79 11.73 11.67 11.61 11.55 11.48 11.42
65 11.94 11.88 11.82 11.76 11.70 11.64 11.58 11.52 11.45 11.39
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.15 12.13 12.10 12.08 12.06 12.04 12.02 12.00 11.98 11.96 11.94
46 12.10 12.08 12.06 12.03 12.01 11.99 11.97 11.94 11.92 11.90 11.88
47 12.06 12.03 12.01 11.98 11.96 11.94 11.91 11.89 11.87 11.85 11.82
48 12.02 11.99 11.96 11.93 11.91 11.88 11.86 11.83 11.81 11.79 11.76
49 11.97 11.94 11.91 11.89 11.86 11.83 11.80 11.78 11.75 11.73 11.70
50 11.93 11.90 11.87 11.84 11.81 11.78 11.75 11.72 11.69 11.67 11.64
51 11.89 11.85 11.82 11.79 11.76 11.72 11.69 11.66 11.63 11.61 11.58
52 11.84 11.81 11.77 11.74 11.70 11.67 11.64 11.61 11.58 11.55 11.52
53 11.80 11.76 11.73 11.69 11.65 11.62 11.58 11.55 11.52 11.48 11.45
54 11.76 11.72 11.68 11.64 11.60 11.57 11.53 11.49 11.46 11.42 11.39
55 11.71 11.67 11.63 11.59 11.55 11.51 11.47 11.43 11.40 11.36 11.32
56 11.67 11.63 11.59 11.54 11.50 11.46 11.42 11.38 11.34 11.30 11.26
57 11.63 11.59 11.54 11.50 11.45 11.41 11.36 11.32 11.28 11.23 11.19
58 11.59 11.54 11.50 11.45 11.40 11.35 11.31 11.26 11.22 11.17 11.13
59 11.55 11.50 11.45 11.40 11.35 11.30 11.25 11.20 11.16 11.11 11.06
60 11.51 11.46 11.41 11.35 11.30 11.25 11.20 11.15 11.09 11.04 10.99
61 11.47 11.42 11.36 11.31 11.25 11.20 11.14 11.09 11.03 10.98 10.93
62 11.43 11.38 11.32 11.26 11.20 11.15 11.09 11.03 10.97 10.92 10.86
63 11.40 11.34 11.28 11.22 11.16 11.09 11.03 10.97 10.91 10.85 10.80
64 11.36 11.30 11.23 11.17 11.11 11.04 10.98 10.92 10.85 10.79 10.73
65 11.32 11.26 11.19 11.13 11.06 10.99 10.93 10.86 10.80 10.73 10.66
Page 72 of 106
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 13.28 13.24 13.20 13.17 13.13 13.10 13.07 13.03 13.00 12.97
46 13.24 13.20 13.16 13.13 13.09 13.05 13.02 12.98 12.95 12.92
47 13.20 13.16 13.12 13.08 13.05 13.01 12.97 12.93 12.90 12.86
48 13.17 13.13 13.08 13.04 13.00 12.96 12.92 12.88 12.85 12.81
49 13.13 13.09 13.05 13.00 12.96 12.92 12.88 12.84 12.80 12.76
50 13.10 13.05 13.01 12.96 12.92 12.87 12.83 12.79 12.75 12.70
51 13.07 13.02 12.97 12.92 12.88 12.83 12.78 12.74 12.69 12.65
52 13.03 12.98 12.93 12.88 12.84 12.79 12.74 12.69 12.65 12.60
53 13.00 12.95 12.90 12.85 12.80 12.75 12.69 12.65 12.60 12.55
54 12.97 12.92 12.86 12.81 12.76 12.70 12.65 12.60 12.55 12.50
55 12.94 12.89 12.83 12.77 12.72 12.66 12.61 12.55 12.50 12.45
56 12.91 12.86 12.80 12.74 12.68 12.62 12.57 12.51 12.45 12.40
57 12.89 12.83 12.77 12.71 12.65 12.59 12.53 12.47 12.41 12.35
58 12.86 12.80 12.73 12.67 12.61 12.55 12.49 12.42 12.36 12.30
59 12.83 12.77 12.70 12.64 12.57 12.51 12.45 12.38 12.32 12.25
60 12.81 12.74 12.67 12.61 12.54 12.47 12.41 12.34 12.27 12.21
61 12.78 12.71 12.64 12.58 12.51 12.44 12.37 12.30 12.23 12.16
62 12.76 12.69 12.62 12.55 12.48 12.40 12.33 12.26 12.19 12.12
63 12.73 12.66 12.59 12.52 12.44 12.37 12.30 12.22 12.15 12.07
64 12.71 12.64 12.56 12.49 12.41 12.34 12.26 12.19 12.11 12.03
65 12.69 12.61 12.54 12.46 12.38 12.31 12.23 12.15 12.07 11.99
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.94 12.91 12.89 12.86 12.83 12.81 12.78 12.76 12.73 12.71 12.69
46 12.89 12.86 12.83 12.80 12.77 12.74 12.71 12.69 12.66 12.64 12.61
47 12.83 12.80 12.77 12.73 12.70 12.67 12.64 12.62 12.59 12.56 12.54
48 12.77 12.74 12.71 12.67 12.64 12.61 12.58 12.55 12.52 12.49 12.46
49 12.72 12.68 12.65 12.61 12.57 12.54 12.51 12.48 12.44 12.41 12.38
50 12.66 12.62 12.59 12.55 12.51 12.47 12.44 12.40 12.37 12.34 12.31
51 12.61 12.57 12.53 12.49 12.45 12.41 12.37 12.33 12.30 12.26 12.23
52 12.55 12.51 12.47 12.42 12.38 12.34 12.30 12.26 12.22 12.19 12.15
53 12.50 12.45 12.41 12.36 12.32 12.27 12.23 12.19 12.15 12.11 12.07
54 12.45 12.40 12.35 12.30 12.25 12.21 12.16 12.12 12.07 12.03 11.99
Page 73 of 106
55 12.39 12.34 12.29 12.24 12.19 12.14 12.09 12.05 12.00 11.95 11.91
56 12.34 12.29 12.23 12.18 12.13 12.08 12.02 11.97 11.93 11.88 11.83
57 12.29 12.23 12.18 12.12 12.06 12.01 11.96 11.90 11.85 11.80 11.75
58 12.24 12.18 12.12 12.06 12.00 11.94 11.89 11.83 11.78 11.72 11.67
59 12.19 12.13 12.06 12.00 11.94 11.88 11.82 11.76 11.70 11.64 11.59
60 12.14 12.08 12.01 11.94 11.88 11.81 11.75 11.69 11.63 11.57 11.50
61 12.09 12.02 11.96 11.89 11.82 11.75 11.68 11.62 11.55 11.49 11.42
62 12.05 11.97 11.90 11.83 11.76 11.69 11.62 11.55 11.48 11.41 11.34
63 12.00 11.93 11.85 11.78 11.70 11.63 11.55 11.48 11.41 11.33 11.26
64 11.95 11.88 11.80 11.72 11.64 11.57 11.49 11.41 11.33 11.26 11.18
65 11.91 11.83 11.75 11.67 11.59 11.50 11.42 11.34 11.26 11.18 11.10
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 13.25 13.21 13.17 13.13 13.09 13.06 13.02 12.99 12.95 12.92
46 13.21 13.17 13.12 13.09 13.05 13.01 12.97 12.93 12.90 12.86
47 13.17 13.12 13.08 13.04 13.00 12.96 12.92 12.88 12.84 12.81
48 13.13 13.09 13.04 13.00 12.95 12.91 12.87 12.83 12.79 12.75
49 13.09 13.05 13.00 12.95 12.91 12.86 12.82 12.77 12.73 12.69
50 13.06 13.01 12.96 12.91 12.86 12.81 12.77 12.72 12.68 12.63
51 13.02 12.97 12.92 12.87 12.82 12.77 12.72 12.67 12.62 12.58
52 12.99 12.93 12.88 12.83 12.77 12.72 12.67 12.62 12.57 12.52
53 12.95 12.90 12.84 12.79 12.73 12.68 12.62 12.57 12.52 12.47
54 12.92 12.86 12.81 12.75 12.69 12.63 12.58 12.52 12.47 12.41
55 12.89 12.83 12.77 12.71 12.65 12.59 12.53 12.47 12.42 12.36
56 12.86 12.80 12.73 12.67 12.61 12.55 12.49 12.43 12.37 12.31
57 12.83 12.76 12.70 12.64 12.57 12.51 12.44 12.38 12.32 12.25
58 12.80 12.73 12.67 12.60 12.53 12.47 12.40 12.33 12.27 12.20
59 12.77 12.70 12.63 12.57 12.50 12.43 12.36 12.29 12.22 12.15
60 12.74 12.67 12.60 12.53 12.46 12.39 12.32 12.25 12.18 12.10
61 12.72 12.64 12.57 12.50 12.43 12.35 12.28 12.20 12.13 12.06
62 12.69 12.62 12.54 12.47 12.39 12.32 12.24 12.16 12.09 12.01
63 12.67 12.59 12.51 12.44 12.36 12.28 12.20 12.12 12.04 11.96
64 12.64 12.56 12.48 12.41 12.33 12.24 12.16 12.08 12.00 11.92
65 12.62 12.54 12.46 12.38 12.29 12.21 12.13 12.04 11.96 11.87
Page 74 of 106
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.89 12.86 12.83 12.80 12.77 12.74 12.72 12.69 12.67 12.64 12.62
46 12.83 12.80 12.76 12.73 12.70 12.67 12.64 12.62 12.59 12.56 12.54
47 12.77 12.73 12.70 12.67 12.63 12.60 12.57 12.54 12.51 12.48 12.46
48 12.71 12.67 12.64 12.60 12.57 12.53 12.50 12.47 12.44 12.41 12.38
49 12.65 12.61 12.57 12.53 12.50 12.46 12.43 12.39 12.36 12.33 12.29
50 12.59 12.55 12.51 12.47 12.43 12.39 12.35 12.32 12.28 12.24 12.21
51 12.53 12.49 12.44 12.40 12.36 12.32 12.28 12.24 12.20 12.16 12.13
52 12.47 12.43 12.38 12.33 12.29 12.25 12.20 12.16 12.12 12.08 12.04
53 12.42 12.37 12.32 12.27 12.22 12.18 12.13 12.09 12.04 12.00 11.96
54 12.36 12.31 12.25 12.20 12.15 12.10 12.06 12.01 11.96 11.92 11.87
55 12.30 12.25 12.19 12.14 12.09 12.03 11.98 11.93 11.88 11.84 11.79
56 12.25 12.19 12.13 12.07 12.02 11.96 11.91 11.86 11.80 11.75 11.70
57 12.19 12.13 12.07 12.01 11.95 11.89 11.84 11.78 11.72 11.67 11.62
58 12.14 12.07 12.01 11.95 11.88 11.82 11.76 11.70 11.64 11.59 11.53
59 12.09 12.02 11.95 11.88 11.82 11.75 11.69 11.63 11.56 11.50 11.44
60 12.03 11.96 11.89 11.82 11.75 11.69 11.62 11.55 11.49 11.42 11.36
61 11.98 11.91 11.84 11.76 11.69 11.62 11.55 11.48 11.41 11.34 11.27
62 11.93 11.86 11.78 11.70 11.63 11.55 11.48 11.40 11.33 11.26 11.19
63 11.88 11.80 11.72 11.64 11.56 11.49 11.41 11.33 11.25 11.18 11.10
64 11.84 11.75 11.67 11.59 11.50 11.42 11.34 11.26 11.18 11.09 11.02
65 11.79 11.70 11.62 11.53 11.44 11.36 11.27 11.19 11.10 11.02 10.93
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 13.21 13.17 13.13 13.09 13.05 13.01 12.97 12.94 12.90 12.87
46 13.17 13.13 13.08 13.04 13.00 12.96 12.92 12.88 12.84 12.80
47 13.13 13.08 13.04 12.99 12.95 12.91 12.86 12.82 12.78 12.74
48 13.09 13.04 12.99 12.95 12.90 12.85 12.81 12.77 12.72 12.68
49 13.05 13.00 12.95 12.90 12.85 12.80 12.76 12.71 12.66 12.62
50 13.01 12.96 12.91 12.85 12.80 12.75 12.70 12.65 12.61 12.56
51 12.97 12.92 12.86 12.81 12.76 12.70 12.65 12.60 12.55 12.50
52 12.94 12.88 12.82 12.77 12.71 12.65 12.60 12.55 12.49 12.44
53 12.90 12.84 12.78 12.72 12.66 12.61 12.55 12.49 12.44 12.38
54 12.87 12.80 12.74 12.68 12.62 12.56 12.50 12.44 12.38 12.32
Page 75 of 106
55 12.83 12.77 12.70 12.64 12.58 12.51 12.45 12.39 12.33 12.27
56 12.80 12.73 12.67 12.60 12.53 12.47 12.40 12.34 12.27 12.21
57 12.77 12.70 12.63 12.56 12.49 12.42 12.36 12.29 12.22 12.15
58 12.74 12.67 12.59 12.52 12.45 12.38 12.31 12.24 12.17 12.10
59 12.71 12.63 12.56 12.49 12.41 12.34 12.27 12.19 12.12 12.05
60 12.68 12.60 12.53 12.45 12.37 12.30 12.22 12.15 12.07 12.00
61 12.65 12.57 12.49 12.42 12.34 12.26 12.18 12.10 12.02 11.94
62 12.62 12.54 12.46 12.38 12.30 12.22 12.14 12.06 11.98 11.89
63 12.59 12.51 12.43 12.35 12.27 12.18 12.10 12.01 11.93 11.84
64 12.57 12.49 12.40 12.32 12.23 12.15 12.06 11.97 11.88 11.80
65 12.54 12.46 12.37 12.29 12.20 12.11 12.02 11.93 11.84 11.75
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.83 12.80 12.77 12.74 12.71 12.68 12.65 12.62 12.59 12.57 12.54
46 12.77 12.73 12.70 12.67 12.63 12.60 12.57 12.54 12.51 12.49 12.46
47 12.70 12.67 12.63 12.59 12.56 12.53 12.49 12.46 12.43 12.40 12.37
48 12.64 12.60 12.56 12.52 12.49 12.45 12.42 12.38 12.35 12.32 12.29
49 12.58 12.53 12.49 12.45 12.41 12.37 12.34 12.30 12.27 12.23 12.20
50 12.51 12.47 12.42 12.38 12.34 12.30 12.26 12.22 12.18 12.15 12.11
51 12.45 12.40 12.36 12.31 12.27 12.22 12.18 12.14 12.10 12.06 12.02
52 12.39 12.34 12.29 12.24 12.19 12.15 12.10 12.06 12.01 11.97 11.93
53 12.33 12.27 12.22 12.17 12.12 12.07 12.02 11.98 11.93 11.88 11.84
54 12.27 12.21 12.15 12.10 12.05 12.00 11.94 11.89 11.84 11.80 11.75
55 12.21 12.15 12.09 12.03 11.98 11.92 11.87 11.81 11.76 11.71 11.66
56 12.15 12.08 12.02 11.96 11.90 11.84 11.79 11.73 11.68 11.62 11.57
57 12.09 12.02 11.96 11.89 11.83 11.77 11.71 11.65 11.59 11.53 11.48
58 12.03 11.96 11.89 11.83 11.76 11.70 11.63 11.57 11.51 11.44 11.38
59 11.98 11.90 11.83 11.76 11.69 11.62 11.55 11.49 11.42 11.36 11.29
60 11.92 11.84 11.77 11.70 11.62 11.55 11.48 11.41 11.34 11.27 11.20
61 11.87 11.79 11.71 11.63 11.55 11.48 11.40 11.33 11.25 11.18 11.11
62 11.81 11.73 11.65 11.57 11.49 11.41 11.33 11.25 11.17 11.09 11.02
63 11.76 11.68 11.59 11.51 11.42 11.34 11.25 11.17 11.09 11.01 10.93
64 11.71 11.62 11.53 11.44 11.36 11.27 11.18 11.09 11.01 10.92 10.84
65 11.66 11.57 11.48 11.38 11.29 11.20 11.11 11.02 10.93 10.84 10.75

Primary
Life Age / 45 46 47 48 49 50 51 52 53 54
Page 76 of 106
Secondary
Life Age
45 13.11 13.06 13.02 12.98 12.93 12.89 12.85 12.81 12.78 12.74
46 13.06 13.01 12.97 12.92 12.88 12.84 12.79 12.75 12.71 12.67
47 13.02 12.97 12.92 12.87 12.83 12.78 12.74 12.69 12.65 12.61
48 12.98 12.92 12.87 12.82 12.77 12.73 12.68 12.63 12.59 12.54
49 12.93 12.88 12.83 12.77 12.72 12.67 12.62 12.57 12.53 12.48
50 12.89 12.84 12.78 12.73 12.67 12.62 12.57 12.51 12.46 12.41
51 12.85 12.79 12.74 12.68 12.62 12.57 12.51 12.46 12.40 12.35
52 12.81 12.75 12.69 12.63 12.57 12.51 12.46 12.40 12.34 12.29
53 12.78 12.71 12.65 12.59 12.53 12.46 12.40 12.34 12.28 12.23
54 12.74 12.67 12.61 12.54 12.48 12.41 12.35 12.29 12.23 12.17
55 12.70 12.64 12.57 12.50 12.43 12.37 12.30 12.23 12.17 12.11
56 12.67 12.60 12.53 12.46 12.39 12.32 12.25 12.18 12.11 12.05
57 12.63 12.56 12.49 12.42 12.34 12.27 12.20 12.13 12.06 11.99
58 12.60 12.53 12.45 12.38 12.30 12.23 12.15 12.08 12.00 11.93
59 12.57 12.49 12.42 12.34 12.26 12.18 12.11 12.03 11.95 11.88
60 12.54 12.46 12.38 12.30 12.22 12.14 12.06 11.98 11.90 11.82
61 12.51 12.43 12.35 12.26 12.18 12.10 12.02 11.93 11.85 11.77
62 12.48 12.40 12.31 12.23 12.14 12.06 11.97 11.89 11.80 11.71
63 12.45 12.37 12.28 12.19 12.11 12.02 11.93 11.84 11.75 11.66
64 12.43 12.34 12.25 12.16 12.07 11.98 11.89 11.80 11.71 11.61
65 12.40 12.31 12.22 12.13 12.04 11.94 11.85 11.75 11.66 11.56
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.70 12.67 12.63 12.60 12.57 12.54 12.51 12.48 12.45 12.43 12.40
46 12.64 12.60 12.56 12.53 12.49 12.46 12.43 12.40 12.37 12.34 12.31
47 12.57 12.53 12.49 12.45 12.42 12.38 12.35 12.31 12.28 12.25 12.22
48 12.50 12.46 12.42 12.38 12.34 12.30 12.26 12.23 12.19 12.16 12.13
49 12.43 12.39 12.34 12.30 12.26 12.22 12.18 12.14 12.11 12.07 12.04
50 12.37 12.32 12.27 12.23 12.18 12.14 12.10 12.06 12.02 11.98 11.94
51 12.30 12.25 12.20 12.15 12.11 12.06 12.02 11.97 11.93 11.89 11.85
52 12.23 12.18 12.13 12.08 12.03 11.98 11.93 11.89 11.84 11.80 11.75
53 12.17 12.11 12.06 12.00 11.95 11.90 11.85 11.80 11.75 11.71 11.66
54 12.11 12.05 11.99 11.93 11.88 11.82 11.77 11.71 11.66 11.61 11.56
55 12.04 11.98 11.92 11.86 11.80 11.74 11.68 11.63 11.57 11.52 11.47
56 11.98 11.91 11.85 11.79 11.72 11.66 11.60 11.54 11.48 11.43 11.37
57 11.92 11.85 11.78 11.71 11.65 11.58 11.52 11.46 11.40 11.34 11.28
58 11.86 11.79 11.71 11.64 11.57 11.51 11.44 11.37 11.31 11.24 11.18
59 11.80 11.72 11.65 11.57 11.50 11.43 11.36 11.29 11.22 11.15 11.08
Page 77 of 106
60 11.74 11.66 11.58 11.51 11.43 11.35 11.28 11.20 11.13 11.06 10.99
61 11.68 11.60 11.52 11.44 11.36 11.28 11.20 11.12 11.04 10.97 10.89
62 11.63 11.54 11.46 11.37 11.29 11.20 11.12 11.04 10.96 10.88 10.80
63 11.57 11.48 11.40 11.31 11.22 11.13 11.04 10.96 10.87 10.79 10.70
64 11.52 11.43 11.34 11.24 11.15 11.06 10.97 10.88 10.79 10.70 10.61
65 11.47 11.37 11.28 11.18 11.08 10.99 10.89 10.80 10.70 10.61 10.52
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 13.29 13.24 13.20 13.15 13.10 13.06 13.01 12.97 12.93 12.89
46 13.24 13.19 13.14 13.09 13.04 12.99 12.95 12.90 12.86 12.81
47 13.20 13.14 13.09 13.03 12.98 12.93 12.88 12.83 12.79 12.74
48 13.15 13.09 13.03 12.98 12.93 12.87 12.82 12.77 12.72 12.67
49 13.10 13.04 12.98 12.93 12.87 12.81 12.76 12.70 12.65 12.60
50 13.06 12.99 12.93 12.87 12.81 12.75 12.69 12.64 12.58 12.53
51 13.01 12.95 12.88 12.82 12.76 12.69 12.63 12.57 12.52 12.46
52 12.97 12.90 12.83 12.77 12.70 12.64 12.57 12.51 12.45 12.39
53 12.93 12.86 12.79 12.72 12.65 12.58 12.52 12.45 12.38 12.32
54 12.89 12.81 12.74 12.67 12.60 12.53 12.46 12.39 12.32 12.25
55 12.85 12.77 12.70 12.62 12.55 12.47 12.40 12.33 12.26 12.19
56 12.81 12.73 12.65 12.58 12.50 12.42 12.35 12.27 12.20 12.12
57 12.77 12.69 12.61 12.53 12.45 12.37 12.29 12.21 12.13 12.06
58 12.74 12.65 12.57 12.49 12.40 12.32 12.24 12.16 12.08 11.99
59 12.70 12.62 12.53 12.44 12.36 12.27 12.19 12.10 12.02 11.93
60 12.67 12.58 12.49 12.40 12.31 12.23 12.14 12.05 11.96 11.87
61 12.63 12.54 12.45 12.36 12.27 12.18 12.09 12.00 11.91 11.81
62 12.60 12.51 12.42 12.32 12.23 12.14 12.04 11.95 11.85 11.76
63 12.57 12.48 12.38 12.29 12.19 12.09 12.00 11.90 11.80 11.70
64 12.54 12.45 12.35 12.25 12.15 12.05 11.95 11.85 11.75 11.65
65 12.52 12.42 12.32 12.22 12.11 12.01 11.91 11.80 11.70 11.59
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.85 12.81 12.77 12.74 12.70 12.67 12.63 12.60 12.57 12.54 12.52
46 12.77 12.73 12.69 12.65 12.62 12.58 12.54 12.51 12.48 12.45 12.42
47 12.70 12.65 12.61 12.57 12.53 12.49 12.45 12.42 12.38 12.35 12.32
Page 78 of 106
48 12.62 12.58 12.53 12.49 12.44 12.40 12.36 12.32 12.29 12.25 12.22
49 12.55 12.50 12.45 12.40 12.36 12.31 12.27 12.23 12.19 12.15 12.11
50 12.47 12.42 12.37 12.32 12.27 12.23 12.18 12.14 12.09 12.05 12.01
51 12.40 12.35 12.29 12.24 12.19 12.14 12.09 12.04 12.00 11.95 11.91
52 12.33 12.27 12.21 12.16 12.10 12.05 12.00 11.95 11.90 11.85 11.80
53 12.26 12.20 12.13 12.08 12.02 11.96 11.91 11.85 11.80 11.75 11.70
54 12.19 12.12 12.06 11.99 11.93 11.87 11.81 11.76 11.70 11.65 11.59
55 12.12 12.05 11.98 11.91 11.85 11.79 11.72 11.66 11.60 11.55 11.49
56 12.05 11.98 11.90 11.83 11.77 11.70 11.63 11.57 11.51 11.44 11.38
57 11.98 11.90 11.83 11.76 11.68 11.61 11.54 11.47 11.41 11.34 11.28
58 11.91 11.83 11.76 11.68 11.60 11.53 11.45 11.38 11.31 11.24 11.17
59 11.85 11.77 11.68 11.60 11.52 11.44 11.37 11.29 11.21 11.14 11.07
60 11.79 11.70 11.61 11.53 11.44 11.36 11.28 11.20 11.12 11.04 10.96
61 11.72 11.63 11.54 11.45 11.37 11.28 11.19 11.11 11.02 10.94 10.86
62 11.66 11.57 11.47 11.38 11.29 11.20 11.11 11.02 10.93 10.84 10.76
63 11.60 11.51 11.41 11.31 11.21 11.12 11.02 10.93 10.84 10.75 10.66
64 11.55 11.44 11.34 11.24 11.14 11.04 10.94 10.84 10.75 10.65 10.55
65 11.49 11.38 11.28 11.17 11.07 10.96 10.86 10.76 10.66 10.55 10.46
Primary
Life Age /
Secondary
Life Age 45 46 47 48 49 50 51 52 53 54
45 13.25 13.20 13.15 13.10 13.05 13.00 12.95 12.91 12.86 12.82
46 13.20 13.14 13.09 13.04 12.98 12.93 12.88 12.83 12.79 12.74
47 13.15 13.09 13.03 12.98 12.92 12.87 12.81 12.76 12.71 12.66
48 13.10 13.04 12.98 12.92 12.86 12.80 12.75 12.69 12.64 12.59
49 13.05 12.98 12.92 12.86 12.80 12.74 12.68 12.62 12.57 12.51
50 13.00 12.93 12.87 12.80 12.74 12.68 12.61 12.55 12.49 12.44
51 12.95 12.88 12.81 12.75 12.68 12.61 12.55 12.48 12.42 12.36
52 12.91 12.83 12.76 12.69 12.62 12.55 12.48 12.42 12.35 12.29
53 12.86 12.79 12.71 12.64 12.57 12.49 12.42 12.35 12.28 12.21
54 12.82 12.74 12.66 12.59 12.51 12.44 12.36 12.29 12.21 12.14
55 12.78 12.70 12.62 12.54 12.46 12.38 12.30 12.22 12.15 12.07
56 12.74 12.65 12.57 12.49 12.41 12.32 12.24 12.16 12.08 12.00
57 12.70 12.61 12.53 12.44 12.35 12.27 12.18 12.10 12.02 11.94
58 12.66 12.57 12.48 12.39 12.30 12.22 12.13 12.04 11.96 11.87
59 12.62 12.53 12.44 12.35 12.26 12.17 12.07 11.98 11.89 11.80
60 12.59 12.49 12.40 12.30 12.21 12.12 12.02 11.93 11.83 11.74
Page 79 of 106
61 12.55 12.46 12.36 12.26 12.16 12.07 11.97 11.87 11.78 11.68
62 12.52 12.42 12.32 12.22 12.12 12.02 11.92 11.82 11.72 11.62
63 12.49 12.39 12.28 12.18 12.08 11.98 11.87 11.77 11.66 11.56
64 12.46 12.35 12.25 12.14 12.04 11.93 11.83 11.72 11.61 11.50
65 12.43 12.32 12.22 12.11 12.00 11.89 11.78 11.67 11.56 11.45
Primary
Life Age /
Secondary
Life Age 55 56 57 58 59 60 61 62 63 64 65
45 12.78 12.74 12.70 12.66 12.62 12.59 12.55 12.52 12.49 12.46 12.43
46 12.70 12.65 12.61 12.57 12.53 12.49 12.46 12.42 12.39 12.35 12.32
47 12.62 12.57 12.53 12.48 12.44 12.40 12.36 12.32 12.28 12.25 12.22
48 12.54 12.49 12.44 12.39 12.35 12.30 12.26 12.22 12.18 12.14 12.11
49 12.46 12.41 12.35 12.30 12.26 12.21 12.16 12.12 12.08 12.04 12.00
50 12.38 12.32 12.27 12.22 12.17 12.12 12.07 12.02 11.98 11.93 11.89
51 12.30 12.24 12.18 12.13 12.07 12.02 11.97 11.92 11.87 11.83 11.78
52 12.22 12.16 12.10 12.04 11.98 11.93 11.87 11.82 11.77 11.72 11.67
53 12.15 12.08 12.02 11.96 11.89 11.83 11.78 11.72 11.66 11.61 11.56
54 12.07 12.00 11.94 11.87 11.80 11.74 11.68 11.62 11.56 11.50 11.45
55 12.00 11.93 11.85 11.78 11.72 11.65 11.58 11.52 11.46 11.40 11.34
56 11.93 11.85 11.77 11.70 11.63 11.56 11.49 11.42 11.35 11.29 11.23
57 11.85 11.77 11.69 11.62 11.54 11.46 11.39 11.32 11.25 11.18 11.11
58 11.78 11.70 11.62 11.53 11.45 11.37 11.30 11.22 11.15 11.07 11.00
59 11.72 11.63 11.54 11.45 11.37 11.28 11.20 11.12 11.04 10.97 10.89
60 11.65 11.56 11.46 11.37 11.28 11.20 11.11 11.03 10.94 10.86 10.78
61 11.58 11.49 11.39 11.30 11.20 11.11 11.02 10.93 10.84 10.76 10.67
62 11.52 11.42 11.32 11.22 11.12 11.03 10.93 10.84 10.74 10.65 10.56
63 11.46 11.35 11.25 11.15 11.04 10.94 10.84 10.74 10.65 10.55 10.46
64 11.40 11.29 11.18 11.07 10.97 10.86 10.76 10.65 10.55 10.45 10.35
65 11.34 11.23 11.11 11.00 10.89 10.78 10.67 10.56 10.46 10.35 10.25
Page 80 of 106
ANNEXURE B
Surrender Value Factors
GSV factors on Premiums:
GSV Factors on Premiums - Limited / Regular Pay
Year\
5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23
PT
1 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
2 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30%
3 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35%
4 90% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
5 90% 90% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
6 90% 90% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
7 90% 90% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
8 90% 90% 70% 63% 60% 58% 57% 56% 55% 54% 54% 54% 53% 53% 53% 53%
9 90% 90% 77% 70% 66% 63% 61% 60% 59% 58% 57% 57% 56% 56% 55%
10 90% 90% 80% 74% 70% 67% 65% 63% 62% 61% 60% 59% 59% 58%
11 90% 90% 82% 77% 73% 70% 68% 66% 65% 63% 62% 61% 61%
12 90% 90% 83% 79% 75% 72% 70% 68% 67% 65% 64% 63%
13 90% 90% 84% 80% 77% 74% 72% 70% 68% 67% 66%
14 90% 90% 85% 81% 78% 75% 73% 72% 70% 69%
15 90% 90% 86% 82% 79% 77% 75% 73% 71%
16 90% 90% 86% 83% 80% 78% 76% 74%
17 90% 90% 86% 83% 81% 79% 77%
18 90% 90% 87% 84% 81% 79%
19 90% 90% 87% 84% 82%
20 90% 90% 87% 85%
21 90% 90% 87%
22 90% 90%
23 90%
24
25
26
27
28
29
30
31
32
Page 81 of 106
33
34
35
36
37
38
39
40
Year\
24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
PT
1 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
2 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30% 30%
3 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35% 35%
4 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
5 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
6 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
7 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50% 50%
8 53% 52% 52% 52% 52% 52% 52% 52% 52% 52% 52% 51% 51% 51% 51% 51% 51%
9 55% 55% 54% 54% 54% 54% 54% 53% 53% 53% 53% 53% 53% 53% 53% 53% 53%
10 58% 57% 57% 56% 56% 56% 55% 55% 55% 55% 55% 54% 54% 54% 54% 54% 54%
11 60% 59% 59% 58% 58% 58% 57% 57% 57% 56% 56% 56% 56% 56% 55% 55% 55%
12 63% 62% 61% 61% 60% 60% 59% 59% 58% 58% 58% 57% 57% 57% 57% 56% 56%
13 65% 64% 63% 63% 62% 61% 61% 60% 60% 60% 59% 59% 59% 58% 58% 58% 58%
14 68% 66% 66% 65% 64% 63% 63% 62% 62% 61% 61% 60% 60% 60% 59% 59% 59%
15 70% 69% 68% 67% 66% 65% 65% 64% 63% 63% 62% 62% 61% 61% 61% 60% 60%
16 73% 71% 70% 69% 68% 67% 66% 66% 65% 64% 64% 63% 63% 62% 62% 62% 61%
17 75% 74% 72% 71% 70% 69% 68% 67% 67% 66% 65% 65% 64% 64% 63% 63% 63%
18 78% 76% 74% 73% 72% 71% 70% 69% 68% 68% 67% 66% 66% 65% 65% 64% 64%
19 80% 78% 77% 75% 74% 73% 72% 71% 70% 69% 68% 68% 67% 67% 66% 65% 65%
20 83% 81% 79% 77% 76% 75% 74% 73% 72% 71% 70% 69% 69% 68% 67% 67% 66%
21 85% 83% 81% 79% 78% 77% 75% 74% 73% 72% 72% 71% 70% 69% 69% 68% 68%
22 88% 85% 83% 82% 80% 79% 77% 76% 75% 74% 73% 72% 71% 71% 70% 69% 69%
23 90% 88% 86% 84% 82% 80% 79% 78% 77% 76% 75% 74% 73% 72% 71% 71% 70%
24 90% 90% 88% 86% 84% 82% 81% 80% 78% 77% 76% 75% 74% 73% 73% 72% 71%
25 90% 90% 88% 86% 84% 83% 81% 80% 79% 78% 77% 76% 75% 74% 73% 73%
26 90% 90% 88% 86% 85% 83% 82% 80% 79% 78% 77% 76% 75% 75% 74%
27 90% 90% 88% 86% 85% 83% 82% 81% 80% 79% 78% 77% 76% 75%
28 90% 90% 88% 87% 85% 84% 82% 81% 80% 79% 78% 77% 76%
29 90% 90% 88% 87% 85% 84% 83% 81% 80% 79% 78% 78%
30 90% 90% 88% 87% 85% 84% 83% 82% 81% 80% 79%
31 90% 90% 88% 87% 86% 84% 83% 82% 81% 80%
Page 82 of 106
32 90% 90% 88% 87% 86% 84% 83% 82% 81%
33 90% 90% 89% 87% 86% 85% 84% 83%
34 90% 90% 89% 87% 86% 85% 84%
35 90% 90% 89% 87% 86% 85%
36 90% 90% 89% 87% 86%
37 90% 90% 89% 88%
38 90% 90% 89%
39 90% 90%
40 90%
GSV Factors on Premiums - Single Pay

Year\
5 10
PT
1 75% 75%
2 75% 75%
3 75% 75%
4 90% 90%
5 90% 90%
6 90%
7 90%
8 90%
9 90%
10 90%
GSV Factors on Guaranteed Addition - Limited / Regular Pay
Year\ PT 10 11 12 13 14 15 16 17 18
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00%
3 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70%
4 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40%
5 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20%
6 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10%
7 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10%
8 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10%
9 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20%
10 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50%
Page 83 of 106
11 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90%
12 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40%
13 30.00% 27.40% 25.00% 22.80% 20.80% 19.00%
14 30.00% 27.40% 25.00% 22.80% 20.80%
15 30.00% 27.40% 25.00% 22.80%
16 30.00% 27.40% 25.00%
17 30.00% 27.40%
18 30.00%
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Year\
19 20 21 22 23 24 25 26 27 28 29
PT
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60%
3 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80%
4 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10%
5 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40%
6 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70%
7 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00%
8 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40%
9 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80%
Page 84 of 106
10 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30%
11 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80%
12 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40%
13 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00%
14 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70%
15 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40%
16 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20%
17 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10%
18 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10%
19 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10%
20 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20%
21 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50%
22 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90%
23 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40%
24 30.00% 27.40% 25.00% 22.80% 20.80% 19.00%
25 30.00% 27.40% 25.00% 22.80% 20.80%
26 30.00% 27.40% 25.00% 22.80%
27 30.00% 27.40% 25.00%
28 30.00% 27.40%
29 30.00%
30
31
32
33
34
35
36
37
38
39
40
Year\
30 31 32 33 34 35 36 37 38 39 40
PT
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 2.40% 2.20% 2.00% 1.80% 1.60% 1.50% 1.40% 1.30% 1.20% 1.10% 1.00%
3 2.60% 2.40% 2.20% 2.00% 1.80% 1.60% 1.50% 1.40% 1.30% 1.20% 1.10%
4 2.80% 2.60% 2.40% 2.20% 2.00% 1.80% 1.60% 1.50% 1.40% 1.30% 1.20%
5 3.10% 2.80% 2.60% 2.40% 2.20% 2.00% 1.80% 1.60% 1.50% 1.40% 1.30%
6 3.40% 3.10% 2.80% 2.60% 2.40% 2.20% 2.00% 1.80% 1.60% 1.50% 1.40%
7 3.70% 3.40% 3.10% 2.80% 2.60% 2.40% 2.20% 2.00% 1.80% 1.60% 1.50%
8 4.00% 3.70% 3.40% 3.10% 2.80% 2.60% 2.40% 2.20% 2.00% 1.80% 1.60%
Page 85 of 106
9 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60% 2.40% 2.20% 2.00% 1.80%
10 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60% 2.40% 2.20% 2.00%
11 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60% 2.40% 2.20%
12 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60% 2.40%
13 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80% 2.60%
14 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10% 2.80%
15 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40% 3.10%
16 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70% 3.40%
17 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00% 3.70%
18 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40% 4.00%
19 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80% 4.40%
20 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30% 4.80%
21 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80% 5.30%
22 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40% 5.80%
23 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00% 6.40%
24 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70% 7.00%
25 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40% 7.70%
26 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20% 8.40%
27 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10% 9.20%
28 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10% 10.10%
29 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10% 11.10%
30 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20% 12.10%
31 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50% 13.20%
32 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90% 14.50%
33 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40% 15.90%
34 30.00% 27.40% 25.00% 22.80% 20.80% 19.00% 17.40%
35 30.00% 27.40% 25.00% 22.80% 20.80% 19.00%
36 30.00% 27.40% 25.00% 22.80% 20.80%
37 30.00% 27.40% 25.00% 22.80%
38 30.00% 27.40% 25.00%
39 30.00% 27.40%
40 30.00%
GSV Factors on Guaranteed Addition - Single Pay

PT 10
1 13.20%
2 14.50%
3 15.90%
4 17.40%
5 19.00%
6 20.80%
Page 86 of 106
PT 10
7 22.80%
8 25.00%
9 27.40%
10 30.00%
SSV Factors:
SSV Factors for Limited Pay - Option 1
Premium Payment Term 5

Year\
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
PT
1* 44% 40% 37% 34% 31% 28% 26% 24% 22% 20% 19% 17% 16% 15% 14%
2 48% 44% 40% 37% 34% 31% 28% 26% 24% 22% 20% 19% 17% 16% 15%
3 53% 48% 44% 40% 37% 34% 31% 28% 26% 24% 22% 20% 19% 17% 16%
4 58% 53% 48% 44% 40% 37% 34% 31% 29% 26% 24% 22% 20% 19% 17%
5 63% 58% 53% 48% 44% 41% 37% 34% 31% 29% 26% 24% 22% 21% 19%
6 69% 63% 58% 53% 48% 44% 41% 37% 34% 31% 29% 26% 24% 22% 21%
7 76% 69% 63% 58% 53% 48% 44% 41% 37% 34% 31% 29% 27% 24% 23%
8 83% 76% 69% 63% 58% 53% 48% 44% 41% 37% 34% 31% 29% 27% 25%
9 91% 83% 76% 69% 63% 58% 53% 49% 44% 41% 37% 34% 32% 29% 27%
10 100% 91% 83% 76% 69% 63% 58% 53% 49% 44% 41% 37% 34% 32% 29%
11 100% 91% 83% 76% 69% 63% 58% 53% 49% 45% 41% 37% 34% 32%
12 100% 91% 83% 76% 69% 63% 58% 53% 49% 45% 41% 38% 35%
13 100% 91% 83% 76% 69% 63% 58% 53% 49% 45% 41% 38%
14 100% 91% 83% 76% 69% 64% 58% 53% 49% 45% 41%
15 100% 91% 83% 76% 69% 64% 58% 53% 49% 45%
16 100% 91% 83% 76% 70% 64% 58% 53% 49%
17 100% 91% 83% 76% 70% 64% 58% 53%
18 100% 91% 83% 76% 70% 64% 58%
19 100% 91% 83% 76% 70% 64%
20 100% 91% 83% 76% 70%
21 100% 91% 83% 76%
22 100% 91% 83%
23 100% 91%
24 100%
25
26
27
28
29
Page 87 of 106
30
31
32
33
34
35
36
37
38
39
40
Year\
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
PT
1* 13% 12% 11% 10% 10% 9% 8% 8% 8% 7% 7% 6% 6% 6% 6% 6%
2 14% 13% 12% 11% 10% 10% 9% 9% 8% 8% 7% 7% 7% 6% 6% 6%
3 15% 14% 13% 12% 11% 11% 10% 9% 9% 8% 8% 8% 7% 7% 7% 6%
4 16% 15% 14% 13% 12% 11% 11% 10% 10% 9% 9% 8% 8% 7% 7% 7%
5 18% 16% 15% 14% 13% 12% 12% 11% 10% 10% 9% 9% 8% 8% 8% 7%
6 19% 18% 16% 15% 14% 13% 13% 12% 11% 10% 10% 9% 9% 9% 8% 8%
7 21% 19% 18% 17% 16% 14% 14% 13% 12% 11% 11% 10% 10% 9% 9% 9%
8 23% 21% 19% 18% 17% 16% 15% 14% 13% 12% 12% 11% 10% 10% 10% 9%
9 25% 23% 21% 20% 18% 17% 16% 15% 14% 13% 12% 12% 11% 11% 10% 10%
10 27% 25% 23% 21% 20% 18% 17% 16% 15% 14% 13% 13% 12% 12% 11% 11%
11 29% 27% 25% 23% 21% 20% 19% 17% 16% 15% 14% 14% 13% 12% 12% 11%
12 32% 29% 27% 25% 23% 22% 20% 19% 18% 17% 16% 15% 14% 13% 13% 12%
13 35% 32% 29% 27% 25% 23% 22% 20% 19% 18% 17% 16% 15% 14% 14% 13%
14 38% 35% 32% 30% 27% 25% 24% 22% 21% 19% 18% 17% 16% 15% 15% 14%
15 41% 38% 35% 32% 30% 28% 26% 24% 22% 21% 20% 18% 17% 16% 16% 15%
16 45% 41% 38% 35% 32% 30% 28% 26% 24% 22% 21% 20% 19% 18% 17% 16%
17 49% 45% 41% 38% 35% 32% 30% 28% 26% 24% 23% 21% 20% 19% 18% 17%
18 53% 49% 45% 41% 38% 35% 33% 30% 28% 26% 25% 23% 22% 20% 19% 18%
19 58% 53% 49% 45% 42% 38% 35% 33% 31% 28% 27% 25% 23% 22% 21% 20%
20 64% 58% 54% 49% 45% 42% 39% 36% 33% 31% 29% 27% 25% 24% 22% 21%
21 70% 64% 58% 54% 49% 45% 42% 39% 36% 33% 31% 29% 27% 26% 24% 23%
22 76% 70% 64% 58% 54% 49% 45% 42% 39% 36% 34% 31% 29% 28% 26% 25%
23 83% 76% 70% 64% 59% 54% 49% 46% 42% 39% 36% 34% 32% 30% 28% 26%
24 91% 83% 76% 70% 64% 59% 54% 50% 46% 42% 39% 37% 34% 32% 30% 28%
25 100% 91% 83% 76% 70% 64% 59% 54% 50% 46% 43% 40% 37% 34% 32% 30%
26 100% 91% 83% 76% 70% 64% 59% 54% 50% 46% 43% 40% 37% 35% 33%
27 100% 91% 83% 76% 70% 64% 59% 54% 50% 46% 43% 40% 37% 35%
Page 88 of 106
28 100% 91% 83% 76% 70% 64% 59% 54% 50% 47% 43% 40% 38%
29 100% 91% 83% 76% 70% 64% 59% 55% 50% 47% 44% 41%
30 100% 91% 83% 76% 70% 64% 59% 55% 51% 47% 44%
31 100% 91% 83% 76% 70% 64% 59% 55% 51% 47%
32 100% 91% 83% 76% 70% 64% 59% 55% 51%
33 100% 91% 83% 76% 70% 65% 60% 55%
34 100% 91% 83% 76% 70% 65% 60%
35 100% 91% 83% 76% 70% 65%
36 100% 91% 83% 77% 70%
37 100% 91% 83% 77%
38 100% 91% 83%
39 100% 91%
40 100%
Premium Payment Terms 6 to 8

Year\
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
PT
1* 45% 41% 38% 35% 32% 29% 27% 25% 23% 21% 20% 18% 17% 15% 14%
2 49% 45% 41% 38% 35% 32% 30% 27% 25% 23% 21% 20% 18% 17% 16%
3 54% 49% 45% 42% 38% 35% 32% 30% 27% 25% 23% 21% 20% 18% 17%
4 59% 54% 49% 45% 42% 38% 35% 32% 30% 27% 25% 23% 21% 20% 18%
5 64% 59% 54% 49% 45% 42% 38% 35% 32% 30% 27% 25% 23% 22% 20%
6 70% 64% 59% 54% 49% 45% 42% 38% 35% 32% 30% 27% 25% 23% 22%
7 77% 70% 64% 59% 54% 49% 45% 42% 38% 35% 32% 30% 28% 25% 24%
8 84% 77% 70% 64% 59% 54% 50% 45% 42% 38% 35% 33% 30% 28% 26%
9 91% 84% 77% 70% 64% 59% 54% 50% 46% 42% 38% 35% 33% 30% 28%
10 100% 91% 84% 77% 70% 64% 59% 54% 50% 46% 42% 39% 35% 33% 30%
11 100% 91% 84% 77% 70% 64% 59% 54% 50% 46% 42% 39% 36% 33%
12 100% 91% 84% 77% 70% 64% 59% 54% 50% 46% 42% 39% 36%
13 100% 91% 84% 77% 70% 64% 59% 54% 50% 46% 42% 39%
14 100% 91% 84% 77% 70% 64% 59% 54% 50% 46% 42%
15 100% 91% 84% 77% 70% 64% 59% 54% 50% 46%
16 100% 91% 84% 77% 70% 64% 59% 54% 50%
17 100% 91% 84% 77% 70% 64% 59% 54%
18 100% 91% 84% 77% 70% 64% 59%
19 100% 91% 84% 77% 70% 65%
20 100% 91% 84% 77% 70%
21 100% 91% 84% 77%
22 100% 91% 84%
23 100% 91%
24 100%
Page 89 of 106
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Year\
25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
PT
1* 13% 12% 12% 11% 10% 10% 9% 9% 8% 8% 7% 7% 7% 6% 6% 6%
2 14% 13% 13% 12% 11% 10% 10% 9% 9% 8% 8% 8% 7% 7% 7% 6%
3 16% 15% 14% 13% 12% 11% 11% 10% 9% 9% 8% 8% 8% 7% 7% 7%
4 17% 16% 15% 14% 13% 12% 11% 11% 10% 10% 9% 9% 8% 8% 8% 7%
5 19% 17% 16% 15% 14% 13% 12% 12% 11% 10% 10% 9% 9% 9% 8% 8%
6 20% 19% 17% 16% 15% 14% 13% 12% 12% 11% 11% 10% 10% 9% 9% 9%
7 22% 20% 19% 18% 16% 15% 14% 13% 13% 12% 11% 11% 10% 10% 9% 9%
8 24% 22% 20% 19% 18% 17% 15% 15% 14% 13% 12% 12% 11% 11% 10% 10%
9 26% 24% 22% 21% 19% 18% 17% 16% 15% 14% 13% 12% 12% 11% 11% 10%
10 28% 26% 24% 22% 21% 19% 18% 17% 16% 15% 14% 13% 13% 12% 12% 11%
11 30% 28% 26% 24% 22% 21% 20% 18% 17% 16% 15% 14% 14% 13% 12% 12%
12 33% 30% 28% 26% 24% 23% 21% 20% 18% 17% 16% 16% 15% 14% 13% 13%
13 36% 33% 31% 28% 26% 24% 23% 21% 20% 19% 18% 17% 16% 15% 14% 14%
14 39% 36% 33% 31% 28% 26% 25% 23% 22% 20% 19% 18% 17% 16% 15% 15%
15 42% 39% 36% 33% 31% 29% 27% 25% 23% 22% 20% 19% 18% 17% 16% 16%
16 46% 42% 39% 36% 33% 31% 29% 27% 25% 23% 22% 21% 20% 19% 18% 17%
17 50% 46% 42% 39% 36% 34% 31% 29% 27% 25% 24% 22% 21% 20% 19% 18%
18 54% 50% 46% 43% 39% 36% 34% 31% 29% 27% 26% 24% 23% 21% 20% 19%
19 59% 54% 50% 46% 43% 39% 37% 34% 32% 29% 28% 26% 24% 23% 22% 21%
20 65% 59% 55% 50% 46% 43% 40% 37% 34% 32% 30% 28% 26% 25% 23% 22%
21 70% 65% 59% 55% 50% 46% 43% 40% 37% 34% 32% 30% 28% 27% 25% 24%
22 77% 70% 65% 59% 55% 50% 47% 43% 40% 37% 35% 32% 30% 29% 27% 25%
Page 90 of 106
23 84% 77% 70% 65% 59% 55% 51% 47% 43% 40% 37% 35% 33% 31% 29% 27%
24 91% 84% 77% 70% 65% 60% 55% 51% 47% 43% 40% 38% 35% 33% 31% 29%
25 100% 91% 84% 77% 70% 65% 60% 55% 51% 47% 44% 41% 38% 35% 33% 31%
26 100% 91% 84% 77% 71% 65% 60% 55% 51% 47% 44% 41% 38% 36% 34%
27 100% 91% 84% 77% 71% 65% 60% 55% 51% 47% 44% 41% 39% 36%
28 100% 91% 84% 77% 71% 65% 60% 55% 51% 48% 44% 41% 39%
29 100% 91% 84% 77% 71% 65% 60% 55% 51% 48% 45% 42%
30 100% 91% 84% 77% 71% 65% 60% 56% 52% 48% 45%
31 100% 91% 84% 77% 71% 65% 60% 56% 52% 48%
32 100% 91% 84% 77% 71% 65% 60% 56% 52%
33 100% 91% 84% 77% 71% 65% 61% 56%
34 100% 91% 84% 77% 71% 66% 61%
35 100% 91% 84% 77% 71% 66%
36 100% 91% 84% 77% 71%
37 100% 91% 84% 77%
38 100% 91% 84%
39 100% 91%
40 100%
*applicable provided the Policy has acquired a Surrender Value and used for interpolation purposes only.
SSV Factors for Limited / Regular Pay - Option 1

Premium Payment Terms 9 to 12
Year\
10 12 14 15 16 17 18 19 20 21 22 23 24 25 26
PT
1* 46% 38% 32% 30% 27% 25% 23% 21% 20% 18% 17% 16% 15% 14% 13%
2 50% 42% 35% 32% 30% 28% 25% 23% 22% 20% 18% 17% 16% 15% 14%
3 54% 46% 38% 35% 33% 30% 28% 25% 23% 22% 20% 19% 17% 16% 15%
4 59% 50% 42% 39% 35% 33% 30% 28% 26% 24% 22% 20% 19% 17% 16%
5 65% 54% 46% 42% 39% 35% 33% 30% 28% 26% 24% 22% 20% 19% 18%
6 70% 59% 50% 46% 42% 39% 36% 33% 30% 28% 26% 24% 22% 20% 19%
7 77% 65% 54% 50% 46% 42% 39% 36% 33% 30% 28% 26% 24% 22% 21%
8 84% 70% 59% 54% 50% 46% 42% 39% 36% 33% 30% 28% 26% 24% 22%
9 92% 77% 65% 59% 54% 50% 46% 42% 39% 36% 33% 30% 28% 26% 24%
10 100% 84% 70% 65% 59% 54% 50% 46% 42% 39% 36% 33% 31% 28% 26%
11 92% 77% 70% 65% 59% 54% 50% 46% 42% 39% 36% 33% 31% 28%
12 100% 84% 77% 70% 65% 59% 54% 50% 46% 42% 39% 36% 33% 31%
13 92% 84% 77% 70% 65% 59% 55% 50% 46% 42% 39% 36% 33%
14 100% 92% 84% 77% 70% 65% 59% 55% 50% 46% 43% 39% 36%
15 100% 92% 84% 77% 71% 65% 59% 55% 50% 46% 43% 39%
16 100% 92% 84% 77% 71% 65% 59% 55% 50% 46% 43%
17 100% 92% 84% 77% 71% 65% 59% 55% 50% 46%
Page 91 of 106
18 100% 92% 84% 77% 71% 65% 60% 55% 50%
19 100% 92% 84% 77% 71% 65% 60% 55%
20 100% 92% 84% 77% 71% 65% 60%
21 100% 92% 84% 77% 71% 65%
22 100% 92% 84% 77% 71%
23 100% 92% 84% 77%
24 100% 92% 84%
25 100% 92%
26 100%
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Year\
27 28 29 30 31 32 33 34 35 36 37 38 39 40
PT
1* 12% 11% 10% 10% 9% 9% 8% 8% 7% 7% 7% 7% 6% 6%
2 13% 12% 11% 11% 10% 9% 9% 8% 8% 8% 7% 7% 7% 7%
3 14% 13% 12% 11% 11% 10% 10% 9% 9% 8% 8% 8% 7% 7%
4 15% 14% 13% 12% 12% 11% 10% 10% 9% 9% 9% 8% 8% 8%
5 16% 15% 14% 13% 13% 12% 11% 11% 10% 10% 9% 9% 8% 8%
6 18% 16% 15% 14% 14% 13% 12% 11% 11% 10% 10% 9% 9% 9%
7 19% 18% 17% 16% 15% 14% 13% 12% 12% 11% 11% 10% 10% 9%
8 21% 19% 18% 17% 16% 15% 14% 13% 12% 12% 11% 11% 10% 10%
9 22% 21% 19% 18% 17% 16% 15% 14% 13% 13% 12% 12% 11% 11%
10 24% 23% 21% 20% 18% 17% 16% 15% 14% 14% 13% 12% 12% 11%
11 26% 24% 23% 21% 20% 19% 17% 16% 16% 15% 14% 13% 13% 12%
12 29% 26% 25% 23% 21% 20% 19% 18% 17% 16% 15% 14% 14% 13%
13 31% 29% 27% 25% 23% 22% 20% 19% 18% 17% 16% 15% 15% 14%
14 33% 31% 29% 27% 25% 23% 22% 21% 19% 18% 17% 16% 16% 15%
15 36% 34% 31% 29% 27% 25% 24% 22% 21% 20% 19% 18% 17% 16%
16 39% 36% 34% 31% 29% 27% 25% 24% 22% 21% 20% 19% 18% 17%
Page 92 of 106
17 43% 40% 37% 34% 32% 29% 27% 26% 24% 23% 21% 20% 19% 18%
18 46% 43% 40% 37% 34% 32% 30% 28% 26% 24% 23% 22% 21% 20%
19 50% 47% 43% 40% 37% 34% 32% 30% 28% 26% 25% 23% 22% 21%
20 55% 51% 47% 43% 40% 37% 35% 32% 30% 28% 27% 25% 24% 22%
21 60% 55% 51% 47% 43% 40% 37% 35% 32% 30% 29% 27% 25% 24%
22 65% 60% 55% 51% 47% 43% 40% 38% 35% 33% 31% 29% 27% 26%
23 71% 65% 60% 55% 51% 47% 44% 41% 38% 35% 33% 31% 29% 28%
24 77% 71% 65% 60% 55% 51% 47% 44% 41% 38% 36% 33% 31% 30%
25 84% 77% 71% 65% 60% 55% 51% 47% 44% 41% 38% 36% 34% 32%
26 92% 84% 77% 71% 65% 60% 55% 51% 48% 44% 41% 39% 36% 34%
27 100% 92% 84% 77% 71% 65% 60% 56% 51% 48% 44% 42% 39% 37%
28 100% 92% 84% 77% 71% 65% 60% 56% 52% 48% 45% 42% 39%
29 100% 92% 84% 77% 71% 65% 60% 56% 52% 48% 45% 42%
30 100% 92% 84% 77% 71% 65% 60% 56% 52% 48% 45%
31 100% 92% 84% 77% 71% 65% 61% 56% 52% 49%
32 100% 92% 84% 77% 71% 66% 61% 56% 52%
33 100% 92% 84% 77% 71% 66% 61% 57%
34 100% 92% 84% 77% 71% 66% 61%
35 100% 92% 84% 77% 71% 66%
36 100% 92% 84% 77% 71%
37 100% 92% 84% 77%
38 100% 92% 84%
39 100% 92%
40 100%
*applicable provided the Policy has acquired a Surrender Value and used for interpolation purposes only.
SSV Factors for Single Pay - Option 1

Year\
10
PT
1 46%
2 50%
3 55%
4 59%
5 65%
6 71%
7 77%
8 84%
9 92%
10 100%
SSV Factors - Option 2

Year\PT 6 7 8 9 10 11 13
Page 93 of 106
1* 64% 58% 53% 49% 45% 41% 35%
2 70% 64% 58% 53% 49% 45% 38%
3 76% 70% 64% 58% 53% 49% 42%
4 83% 76% 70% 64% 58% 53% 46%
5 91% 83% 76% 70% 64% 58% 50%
6 100% 91% 83% 76% 70% 64% 54%
7 100% 91% 83% 76% 70% 59%
8 100% 91% 83% 76% 65%
9 100% 91% 83% 70%
10 100% 91% 77%
11 100% 84%
12 92%
13 100%
*Used for interpolation purposes only
SSV Factors for Regular Pay - Option 3

Year\PT 5 6 7 8 9 10 11 12
1* 69% 62% 59% 54% 49% 45% 41% 38%
2 75% 69% 64% 59% 54% 49% 45% 41%
3 83% 75% 70% 64% 59% 54% 49% 45%
4 91% 83% 77% 70% 64% 59% 54% 49%
5 100% 91% 84% 77% 70% 64% 59% 54%
6 100% 91% 84% 77% 70% 64% 59%
7 100% 91% 84% 77% 70% 64%
8 100% 91% 84% 77% 70%
9 100% 91% 84% 77%
10 100% 91% 84%
11 100% 91%
12 100%
*Used for interpolation purposes only
SSV Factors for Single Pay - Option 3

Year\ PT 5
1 72%
2 78%
3 85%
4 92%
5 100%
Page 94 of 106
The Company may revise the SSV factors from time to time. However, any change in the
methodology/formula for calculating SSV factors shall be subject to IRDAI approval. Any change in SSV
factors shall be filed with the Authority and shall be intimated to You from time to time.
Basis of calculation of SSV and GSV-

 GSV: Calculated in line with the Section 35 of the IRDAI (NLIP) Regulation, 2019.
 SSV: Ax:n factors based on an average age of 45 years determined on the following basis –
o Mortality: 35% of IALM 06-08 Ult
o Interest Rate: Pricing Interest Rate + 2%
The SSV factors are applicable at the end of the year and shall be interpolated, on a daily basis, to arrive at
the factors applicable at the time of surrender.
Page 95 of 106
ANNEXURE C
Commutation Factors for Whole Life Option
Age at time
Age at time of Age at time of
F1 F2 of F1 F2 F1 F2
commutation commutation
commutation
50 11.48 6.50% 73 9.67 20.17% 96 6.3 41.33%
51 11.44 6.87% 74 9.55 21.03% 97 6.12 42.15%
52 11.39 7.26% 75 9.43 21.89% 98 5.94 42.93%
53 11.33 7.66% 76 9.31 22.78% 99 5.76 43.69%
54 11.28 8.08% 77 9.19 23.68% 100 5.57 44.41%
55 11.22 8.51% 78 9.06 24.59% 101 5.37 45.10%
Page 96 of 106
Age at time
Age at time of Age at time of
F1 F2 of F1 F2 F1 F2
commutation commutation
commutation
56 11.16 8.97% 79 8.92 25.52% 102 5.17 45.74%
57 11.1 9.44% 80 8.79 26.45% 103 4.96 46.33%
58 11.04 9.94% 81 8.65 27.40% 104 4.75 46.87%
59 10.97 10.46% 82 8.51 28.35% 105 4.53 47.35%
60 10.9 11.00% 83 8.37 29.31% 106 4.29 47.75%
61 10.82 11.57% 84 8.23 30.27% 107 4.05 48.06%
62 10.75 12.16% 85 8.08 31.23% 108 3.79 48.25%
63 10.67 12.77% 86 7.93 32.19% 109 3.52 48.27%
64 10.58 13.41% 87 7.78 33.15% 110 3.24 48.05%
65 10.49 14.07% 88 7.62 34.11% 111 2.93 47.48%
66 10.4 14.76% 89 7.47 35.05% 112 2.6 46.31%
67 10.31 15.47% 90 7.31 36.00% 113 2.24 44.10%
68 10.21 16.20% 91 7.15 36.92% 114 1.84 40.00%
69 10.11 16.95% 92 6.98 37.84% 115 1.37 32.31%
70 10 17.73% 93 6.82 38.74% 116 0.79 16.73%
71 9.9 18.52% 94 6.65 39.63%
72 9.79 19.34% 95 6.48 40.49%
* The above factors are applicable as on 31st March 2022.
Annexure 1
NAMES OF OMBUDSMAN AND ADDRESSES OF OMBUDSMAN CENTRES
Office of the Jurisdiction of Office
Details
Ombudsman Union Territory,District)
AHMEDABAD Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor,
Gujarat,
Tilak Marg, Relief Road,
Dadra & Nagar Haveli,
Ahmedabad – 380 001.
Daman and Diu.
Tel.: 079 - 25501201/02/05/06
Email: [email protected]
BENGALURU Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase, Karnataka.
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
BHOPAL Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Near New Market, Madhya Pradesh
Bhopal – 462 003. Chattisgarh.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal.bhopal@ cioins.co.in
BHUBANESHWAR Office of the Insurance Ombudsman,
62, Forest park, Orissa.
Bhubneshwar – 751 009.
Page 97 of 106
Details
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
CHANDIGARH Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor, Punjab,
Batra Building, Sector 17 – D, Haryana,
Chandigarh – 160 017. Himachal Pradesh,
Tel.: 0172 - 2706196 / 2706468 Jammu & Kashmir,
Fax: 0172 - 2708274 Chandigarh.
CHENNAI Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453,
Tamil Nadu,
Anna Salai, Teynampet,
Pondicherry Town and
CHENNAI – 600 018.
Karaikal (which are part of
Tel.: 044 - 24333668 / 24335284
Pondicherry).
Fax: 044 - 24333664
DELHI Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building,
Asaf Ali Road,
Delhi.
New Delhi – 110 002.
Tel.: 011 - 23232481/23213504
GUWAHATI Office of the Insurance Ombudsman,
Assam,
Jeevan Nivesh, 5th Floor,
Meghalaya,
Nr. Panbazar over bridge, S.S. Road,
Manipur,
Guwahati – 781001(ASSAM).
Mizoram,
Tel.: 0361 - 2132204 / 2132205
Arunachal Pradesh,
Fax: 0361 - 2732937
Nagaland and Tripura.
HYDERABAD Office of the Insurance Ombudsman,
6-2-46, 1st floor, "Moin Court",
Lane Opp. Saleem Function Palace, Andhra Pradesh,
A. C. Guards, Lakdi-Ka-Pool, Telangana,
Hyderabad - 500 004. Yanam and
Tel.: 040 - 67504123 / 23312122 part of Territory of Pondicherry.
Fax: 040 - 23376599
JAIPUR Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg,
Rajasthan.
Jaipur - 302 005.
Tel.: 0141 - 2740363
ERNAKULAM Office of the Insurance Ombudsman,
2nd Floor, Pulinat Bldg.,
Opp. Cochin Shipyard, M. G. Road, Kerala,
Ernakulam - 682 015. Lakshadweep,
Tel.: 0484 - 2358759 / 2359338 Mahe-a part of Pondicherry.
Fax: 0484 - 2359336
KOLKATA Office of the Insurance Ombudsman, West Bengal,
Hindustan Bldg. Annexe, 4th Floor, Sikkim,
4, C.R. Avenue, Andaman & Nicobar Islands.
Page 98 of 106
Details
KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
LUCKNOW Districts of Uttar Pradesh :
Laitpur, Jhansi, Mahoba, Hamirpur,
Banda, Chitrakoot, Allahabad,
Mirzapur, Sonbhabdra, Fatehpur,
Office of the Insurance Ombudsman, Pratapgarh, Jaunpur,Varanasi,
6th Floor, Jeevan Bhawan, Phase-II, Gazipur, Jalaun, Kanpur, Lucknow,
Nawal Kishore Road, Hazratganj, Unnao, Sitapur, Lakhimpur, Bahraich,
Lucknow - 226 001. Barabanki, Raebareli, Sravasti, Gonda,
Tel.: 0522 - 2231330 / 2231331 Faizabad, Amethi, Kaushambi,
Fax: 0522 - 2231310 Balrampur, Basti, Ambedkarnagar,
Email: [email protected] Sultanpur, Maharajgang,
Santkabirnagar, Azamgarh,
Kushinagar, Gorkhpur, Deoria, Mau,
Ghazipur, Chandauli, Ballia,
Sidharathnagar.
MUMBAI Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W), Goa,
Mumbai - 400 054. Mumbai Metropolitan Region
Tel.: 022 - 26106552 / 26106960 excluding Navi Mumbai & Thane.
Fax: 022 - 26106052
NOIDA State of Uttaranchal and the following
Districts of Uttar Pradesh:
Office of the Insurance Ombudsman, Agra, Aligarh, Bagpat, Bareilly,
Bhagwan Sahai Palace Bijnor, Budaun, Bulandshehar, Etah,
4th Floor, Main Road, Kanooj, Mainpuri, Mathura, Meerut,
Naya Bans, Sector 15, Moradabad, Muzaffarnagar, Oraiyya,
Distt: Gautam Buddh Nagar, Pilibhit, Etawah, Farrukhabad,
U.P-201301. Firozbad, Gautambodhanagar,
Tel.: 0120-2514250 / 2514252 / 2514253 Ghaziabad, Hardoi, Shahjahanpur,
Email: [email protected] Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur.
PATNA Office of the Insurance Ombudsman,
1st Floor,Kalpana Arcade Building,,
Bazar Samiti Road,
Bihar,
Bahadurpur,
Jharkhand.
Patna 800 006.
Tel.: 0612-2680952
PUNE Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
Maharashtra,
C.T.S. No.s. 195 to 198,
Area of Navi Mumbai and Thane
N.C. Kelkar Road, Narayan Peth,
excluding Mumbai Metropolitan
Pune – 411 030.
Region.
Tel.: 020-41312555
Page 99 of 106
For further information or latest updated list of Ombudsman Office addresses, kindly visit the IRDAI website
http://www.Policyholder.gov.in/ - Ombudsman / List of Insurance Ombudsmen OR our website
www.tataaia.com
Page 100 of 106

Annexure 2
A. Section 38 - Assignment and Transfer of Insurance Policies
Assignment or transfer of a Policy should be in accordance with Section 38 of the Insurance Act, 1938 as
amended by Insurance Laws (Amendment) Act, 2015.The extant provisions in this regard are as follows:
01. This Policy may be transferred/assigned, wholly or in part, with or without consideration.
02. An Assignment may be effected in a Policy by an endorsement upon the Policy itself or by a separate
instrument under notice to the Insurer.
03. The instrument of assignment should indicate the fact of transfer or assignment and the reasons for the
assignment or transfer, antecedents of the assignee and terms on which assignment is made.
04. The assignment must be signed by the transferor or assignor or duly authorized agent and attested by at
least one witness.
05. The transfer of assignment shall not be operative as against an insurer until a notice in writing of the transfer
or assignment and either the said endorsement or instrument itself or copy there of certified to be correct by
both transferor and transferee or their duly authorised agents have been delivered to the insurer.
06. Fee to be paid for assignment or transfer can be specified by the Authority through Regulations.
07. On receipt of notice with fee, the insurer should Grant a written acknowledgement of receipt of notice.
Such notice shall be conclusive evidence against the insurer of duly receiving the notice.
08. If the insurer maintains one or more places of business, such notices shall be delivered only at the place
where the Policy is being serviced.
09. The insurer may accept or decline to act upon any transfer or assignment or endorsement, if it has sufficient
reasons to believe that it is
a. not bonafide or
b. not in the interest of the Policyholder or
c. not in public interest or
d. is for the purpose of trading of the Insurance Policy.
10. Before refusing to act upon endorsement, the Insurer should record the reasons in writing and communicate
the same in writing to Policyholder within 30 days from the date of Policyholder giving a notice of transfer or
assignment.
11. In case of refusal to act upon the endorsement by the Insurer, any person aggrieved by the refusal may
prefer a claim to IRDAI within 30 days of receipt of the refusal letter from the Insurer.
12. The priority of claims of persons interested in an Insurance Policy would depend on the date on which the
notices of assignment or transfer is delivered to the insurer; where there are more than one instruments of
transfer or assignment, the priority will depend on dates of delivery of such notices. Any dispute in this regard
as to priority should be referred to Authority.
Page 101 of 106

13. Every assignment or transfer shall be deemed to be absolute assignment or transfer and the assignee or
transferee shall be deemed to be absolute assignee or transferee, except
a. where assignment or transfer is subject to terms and conditions of transfer or assignment OR
b. where the transfer or assignment is made upon condition that
i. the proceeds under the Policy shall become payable to Policyholder or nominee(s) in the event of assignee
or transferee dying before the Life Assured OR
ii. the Life Assured surviving the term of the Policy
Such conditional assignee will not be entitled to obtain a loan on Policy or surrender the Policy. This provision
will prevail notwithstanding any law or custom having force of law which is contrary to the above position.
14. In other cases, the insurer shall, subject to terms and conditions of assignment, recognize the transferee or
assignee named in the notice as the absolute transferee or assignee and such person
a. shall be subject to all liabilities and equities to which the transferor or assignor was subject to at the date of
transfer or assignment and
b. may institute any proceedings in relation to the Policy
c. obtain loan under the Policy or surrender the Policy without obtaining the consent of the transferor or
assignor or making him a party to the proceedings
15. Any rights and remedies of an assignee or transferee of a life Insurance Policy under an assignment or
transfer effected before commencement of the Insurance Laws (Amendment) Act, 2015 shall not be affected
by this section.
[Disclaimer: This is not a comprehensive list of amendments of Insurance Laws (Amendment) Act, 2015
and only a simplified version prepared for general information. Policyholders are advised to refer to
Insurance Laws (Amendment) Act, 2015 for complete and accurate details. ]
Page 102 of 106

Annexure 3
B. Section 39 - Nomination by Policyholder
Nomination of a life Insurance Policy is as below in accordance with Section 39 of the Insurance Act, 1938 as
amended by Insurance Laws (Amendment) Act, 2015. The extant provisions in this regard are as follows:
01. The Policyholder of a life Insurance on his own life may nominate a person or persons to whom money
secured by the Policy shall be paid in the event of his death.
02. Where the nominee is a minor, the Policyholder may appoint any person to receive the money secured by
the Policy in the event of Policyholder’s death during the minority of the nominee. The manner of appointment
to be laid down by the insurer.
03. Nomination can be made at any time before the maturity of the Policy.
04. Nomination may be incorporated in the text of the Policy itself or may be endorsed on the Policy
communicated to the insurer and can be registered by the insurer in the records relating to the Policy.
05. Nomination can be cancelled or changed at any time before Policy matures, by an endorsement or a further
endorsement or a will as the case may be.
06. A notice in writing of Change or Cancellation of nomination must be delivered to the insurer for the insurer
to be liable to such nominee. Otherwise, insurer will not be liable if a bonafide payment is made to the person
named in the text of the Policy or in the registered records of the insurer.
07. Fee to be paid to the insurer for registering change or cancellation of a nomination can be specified by the
Authority through Regulations.
08. On receipt of notice with fee, the insurer should grant a written acknowledgement to the Policyholder of
having registered a nomination or cancellation or change thereof.
09. A transfer or assignment made in accordance with Section 38 shall automatically cancel the nomination
except in case of assignment to the insurer or other transferee or assignee for purpose of loan or against security
or its reassignment after repayment. In such case, the nomination will not get cancelled to the extent of insurer’s
or transferee’s or assignee’s interest in the Policy. The nomination will get revived on repayment of the loan.
10. The right of any creditor to be paid out of the proceeds of any Policy of life Insurance shall not be affected
by the nomination.
11. In case of nomination by Policyholder whose life is insured, if the nominees die before the Policyholder,
the proceeds are payable to Policyholder or his heirs or legal representatives or holder of succession certificate.
12. In case nominee(s) survive the person whose life is insured, the amount secured by the Policy shall be paid
to such survivor(s).
13. Where the Policyholder whose life is Life Assured nominates his
a. parents or
b. spouse or
c. children or
Page 103 of 106
d. spouse and children
e. or any of them
the nominees are beneficially entitled to the amount payable by the insurer to the Policyholder unless it is
proved that Policyholder could not have conferred such beneficial title on the nominee having regard to the
nature of his title.
14. If nominee(s) die after the Policyholder but before his share of the amount secured under the Policy is paid,
the share of the expired nominee(s) shall be payable to the heirs or legal representative of the nominee or
holder of succession certificate of such nominee(s).
15. The provisions of sub-section 7 and 8 (13 and 14 above) shall apply to all life Insurance policies maturing
for payment after the commencement of Insurance Laws (Amendment) Act, 2015.
16. If Policyholder dies after maturity but the proceeds and benefit of the Policy has not been paid to him
because of his death, his nominee(s) shall be entitled to the proceeds and benefit of the Policy.
17. The provisions of Section 39 are not applicable to any life Insurance Policy to which Section 6 of Married
Women’s Property Act, 1874 applies or has at any time applied except where before or after Insurance Laws
(Amendment) Act, 2015., a nomination is made in favour of spouse or children or spouse and children whether
or not on the face of the Policy it is mentioned that it is made under Section 39. Where nomination is intended
to be made to spouse or children or spouse and children under Section 6 of MWP Act, it should be specifically
mentioned on the Policy. In such a case only, the provisions of Section 39 will not apply.
[Disclaimer: This is not a comprehensive list of amendments of Insurance Laws (Amendment) Act, 2015
Insurance Laws (Amendment) Act, 2015 for complete and accurate details. ]
Page 104 of 106

Annexure 4
C. Section 45 – Policy shall not be called in question on the ground of mis-statement after three years
Provisions regarding Policy not being called into question in terms of Section 45 of the Insurance Act, 1938,
as amended by Insurance Laws (Amendment) Act, 2015 are as follows:
01. No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs
from
a. the date of issuance of Policy or
b. the date of commencement of risk or
c. the date of revival of Policy or
d. the date of rider to the Policy
whichever is later.
02. On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years from
a. the date of issuance of Policy or
b. the date of commencement of risk or
c. the date of revival of Policy or
d. the date of rider to the Policy
whichever is later.
For this, the insurer should communicate in writing to the Life Assured or legal representative or nominee or
assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.
03. Fraud means any of the following acts committed by Life Assured or by his agent, with the intent to deceive
the insurer or to induce the insurer to issue a life Insurance Policy:
a. The suggestion, as a fact of that which is not true and which the Life Assured does not believe to be true;
b. The active concealment of a fact by the Life Assured having knowledge or belief of the fact;
c. Any other act fitted to deceive; and
d. Any such act or omission as the law specifically declares to be fraudulent.
04. Mere silence is not fraud unless, depending on circumstances of the case, it is the duty of the Life Assured
or his agent keeping silence to speak or silence is in itself equivalent to speak.
05. No Insurer shall repudiate a life Insurance Policy on the ground of Fraud, if the Life Assured/ beneficiary
can prove that the misstatement was true to the best of his knowledge and there was no deliberate intention to
suppress the fact or that such mis-statement of or suppression of material fact are within the knowledge of the
insurer. Onus of disproving is upon the Policyholder, if alive, or beneficiaries.
06. Life Insurance Policy can be called in question within 3 years on the ground that any statement of or
suppression of a fact material to expectancy of life of the Life Assured was incorrectly made in the proposal
or other document basis which Policy was issued or revived or rider issued. For this, the insurer should
communicate in writing to the Life Assured or legal representative or nominee or assignees of insured, as
applicable, mentioning the ground and materials on which decision to repudiate the Policy of life Insurance is
based.
07. In case repudiation is on ground of mis-statement and not on fraud, the premium collected on Policy till
the date of repudiation shall be paid to the Life Assured or legal representative or nominee or assignees of
insured, within a period of 90 days from the date of repudiation.
Page 105 of 106
08. Fact shall not be considered material unless it has a direct bearing on the risk undertaken by the insurer.
The onus is on insurer to show that if the insurer had been aware of the said fact, no life Insurance Policy
would have been issued to the insured.
09. The insurer can call for proof of age at any time if he is entitled to do so and no Policy shall be deemed to
be called in question merely because the terms of the Policy are adjusted on subsequent proof of age of Life
Insured. So, this Section will not be applicable for questioning age or adjustment based on proof of age
submitted subsequently.
[Disclaimer: This is not a comprehensive list of amendments of Insurance Laws (Amendment) Act, 2015.
Insurance Laws (Amendment) Act, 2015 for complete and accurate details.]
Page 106 of 106


Tata AIA Life Guaranteed Return Insurance Plan (UIN 20110N152V10) TandC

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Policy Document - Tata AIA Life Guaranteed Return Insurance Plan

Individual, Non-Linked, Non-Participating Life Insurance Savings Plan (UIN:110N152V10)

2.1. Basic definitions

3.1.1. Maturity Benefit

3.1.1.1. Option I – Endowment:

3.1.1.2. Option II - Regular Income:

3.1.1.3. Option III - Whole Life Income:

Monthly Guaranteed Annual Income = 96% of GAI x 1/12

Commuted Value = (F1 * Guaranteed Annual Income + F2 * Total Premiums Paid)

3.1.2. Death Benefit

3.1.2.1. Option I – Endowment or Option II - Regular Income:

“Sum Assured on Death” means highest of the following:

Age 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 12 Pay

Age 5 Pay 6 Pay 7 Pay 8 Pay 9 Pay 10 Pay 12 Pay

3.1.2.2. Option III - Whole Life Income:

I) Death during Policy Term:

“Sum Assured on Death” means highest of the following:

Death Benefit Multiple for Basic Sum Assured will be as follows:

II) Death after Policy Term:

3.1.3. Premium details

3.1.3.1. Payment of Premium

3.1.3.2. Change of frequency of Premium payment

The loading on Premium shall be applicable as below:

Mode Modal Loading

3.1.3.3. Default in Premium Payment

3.1.3.4. Grace period

3.1.4. Payment of benefits

3.1.5. Change in address of Policyholder or Nominee

4.1. Free look period

4.2. Non forfeiture provisions

4.2.2. Lapsation of Policy

4.3. Reduced Paid-up:

In case of Reduced Paid-up Policy, the benefit shall be payable as under:

a. Maturity Benefit: The benefit shall be payable as -

 Death after Policy Term -

i) Option I - Endowment: No benefit shall be payable.

Where, “Reduced Paid Up Factor” shall be equal to -

c. Surrender Benefit – This benefit is same as per Clause 4.2.1 of Part D.

4.6. Auto Vesting

Not Applicable for this Product

6.1. Fraud, Misrepresentation and Forfeiture

6.3. Misstatement of Age

6.6. Loss of Policy document

6.8. Termination of Policy:

6.9.1. Claims requirements

Death claims requirements

Copies of other documents to be submitted by self-attestation of the Claimant.

Maturity Claim Requirements

6.10. Claims Intimation Process

6.11. Governing Law and Jurisdiction

GRIEVANCE REDRESSAL PROCEDURE

For escalations, customers can email to [email protected] or write to –

The list of Ombudsman address is attached as Annexure 1

For Option III:

Age GMB Factor

Premium Payment Term 11 Premium Payment Term 12

For Option III:

Joint Life - Premium Payment Term 5 Years, Policy Term 5 Years

Joint Life - Premium Payment Term 6 Years, Policy Term 6 Years

Joint Life - Premium Payment Term 7 Years, Policy Term 7 Years