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Comutações UNB 10062011
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Para imprimir- TÁBUA DE COMUTAÇÃO – SEGUROS POR SOBREVIVÊNCIA Bases Técnicas: AT 2000 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 0 0.002080 * 100,000 * 208 $100,000.00 $2,036,022.58 198.10 $3,025.40 1 0.000815 * 99,792 * 81 $95,040.00 $1,936,043.73 73.77 $2,832.61 2 0.000454 * 99,711 * 45 $90,440.52 $1,841,044.14 39.10 $2,771.75 3 0.000367 * 99,665 * 37 $86,094.72 $1,750,603.63 30.09 $2,732.64 4 0.000321 * 99,629 * 32 $81,964.88 $1,664,508.91 25.06 $2,702.55 5 0.000291 * 99,597 * 29 $78,036.73 $1,582,544.03 21.63 $2,677.49 6 0.000270 * 99,568 * 27 $74,299.07 $1,504,507.29 19.11 $2,655.87 7 0.000257 * 99,541 * 26 $70,741.91 $1,430,208.22 17.31 $2,636.76 8 0.000294 * 99,515 * 29 $67,355.94 $1,359,466.31 18.86 $2,619.45 9 0.000325 * 99,486 * 32 $64,129.65 $1,292,110.37 19.85 $2,600.59 10 0.000350 * 99,454 * 35 $61,056.01 $1,227,980.72 20.35 $2,580.74 11 0.000371 * 99,419 * 37 $58,128.23 $1,166,924.71 20.54 $2,560.38 12 0.000388 * 99,382 * 39 $55,339.68 $1,108,796.49 20.45 $2,539.85 13 0.000402 * 99,344 * 40 $52,684.01 $1,053,456.81 20.17 $2,519.40 14 0.000414 * 99,304 * 41 $50,155.07 $1,000,772.80 19.78 $2,499.23 15 0.000425 * 99,263 * 42 $47,746.96 $950,617.73 19.33 $2,479.45 16 0.000437 * 99,220 * 43 $45,453.97 $902,870.77 18.92 $2,460.12 17 0.000449 * 99,177 * 45 $43,270.58 $857,416.80 18.50 $2,441.21 18 0.000463 * 99,132 * 46 $41,191.57 $814,146.22 18.16 $2,422.70 19 0.000480 * 99,087 * 48 $39,211.90 $772,954.65 17.93 $2,404.54 20 0.000499 * 99,039 * 49 $37,326.74 $733,742.75 17.74 $2,386.61 21 0.000519 * 98,990 * 51 $35,531.54 $696,416.00 17.56 $2,368.88 22 0.000542 * 98,938 * 54 $33,822.00 $660,884.46 17.46 $2,351.31 23 0.000566 * 98,885 * 56 $32,193.97 $627,062.46 17.35 $2,333.85 24 0.000592 * 98,829 * 59 $30,643.57 $594,868.49 17.28 $2,316.50 25 0.000616 * 98,770 * 61 $29,167.08 $564,224.92 17.11 $2,299.22 26 0.000639 * 98,709 * 63 $27,761.06 $535,057.84 16.89 $2,282.11 27 0.000659 * 98,646 * 65 $26,422.21 $507,296.78 16.58 $2,265.22 28 0.000675 * 98,581 * 67 $25,147.42 $480,874.58 16.17 $2,248.63 29 0.000687 * 98,515 * 68 $23,933.76 $455,727.15 15.66 $2,232.47 30 0.000694 * 98,447 * 68 $22,778.40 $431,793.39 15.06 $2,216.81 31 0.000699 * 98,379 * 69 $21,678.66 $409,015.00 14.43 $2,201.75 32 0.000700 * 98,310 * 69 $20,631.91 $387,336.34 13.75 $2,187.32 33 0.000701 * 98,241 * 69 $19,635.68 $366,704.43 13.11 $2,173.57 34 0.000702 * 98,172 * 69 $18,687.54 $347,068.75 12.49 $2,160.46 35 0.000704 * 98,103 * 69 $17,785.16 $328,381.21 11.92 $2,147.96 36 0.000719 * 98,034 * 70 $16,926.33 $310,596.05 11.59 $2,136.04 37 0.000749 * 97,964 * 73 $16,108.72 $293,669.72 11.49 $2,124.45 38 0.000796 * 97,890 * 78 $15,330.15 $277,561.00 11.62 $2,112.96 39 0.000864 * 97,812 * 85 $14,588.52 $262,230.85 12.00 $2,101.34 40 0.000953 * 97,728 * 93 $13,881.82 $247,642.33 12.60 $2,089.33 41 0.001065 * 97,635 * 104 $13,208.18 $233,760.51 13.40 $2,076.73 42 0.001201 * 97,531 * 117 $12,565.83 $220,552.33 14.37 $2,063.33 43 0.001362 * 97,414 * 133 $11,953.08 $207,986.50 15.50 $2,048.96 44 0.001547 * 97,281 * 150 $11,368.38 $196,033.42 16.75 $2,033.46 45 0.001752 * 97,130 * 170 $10,810.28 $184,665.04 18.04 $2,016.71 46 0.001974 * 96,960 * 191 $10,277.47 $173,854.76 19.32 $1,998.67 47 0.002211 * 96,769 * 214 $9,768.74 $163,577.29 20.57 $1,979.35 48 0.002460 * 96,555 * 238 $9,282.99 $153,808.55 21.75 $1,958.78 49 0.002721 * 96,317 * 262 $8,819.20 $144,525.55 22.85 $1,937.03 50 0.002994 * 96,055 * 288 $8,376.38 $135,706.35 23.88 $1,914.17 51 0.003279 * 95,768 * 314 $7,953.62 $127,329.97 24.84 $1,890.29 52 0.003576 * 95,454 * 341 $7,550.04 $119,376.35 25.71 $1,865.45 53 0.003884 * 95,112 * 369 $7,164.80 $111,826.31 26.50 $1,839.74 54 0.004203 * 94,743 * 398 $6,797.12 $104,661.51 27.21 $1,813.24 55 0.004534 * 94,345 * 428 $6,446.24 $97,864.39 27.84 $1,786.03 56 0.004876 * 93,917 * 458 $6,111.44 $91,418.15 28.38 $1,758.19 57 0.005228 * 93,459 * 489 $5,792.04 $85,306.71 28.84 $1,729.81 58 0.005593 * 92,970 * 520 $5,487.39 $79,514.68 29.23 $1,700.97 TÁBUA DE COMUTAÇÃO – SEGUROS POR SOBREVIVÊNCIA Bases Técnicas: AT 2000 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 59 0.005988 * 92,450 * 554 $5,196.85 $74,027.29 29.64 $1,671.74 60 0.006428 * 91,897 * 591 $4,919.75 $68,830.44 30.12 $1,642.11 61 0.006933 * 91,306 * 633 $4,655.36 $63,910.69 30.74 $1,611.99 62 0.007520 * 90,673 * 682 $4,402.93 $59,255.34 31.53 $1,581.25 63 0.008207 * 89,991 * 739 $4,161.74 $54,852.40 32.53 $1,549.72 64 0.009008 * 89,253 * 804 $3,931.03 $50,690.67 33.72 $1,517.19 65 0.009940 * 88,449 * 879 $3,710.11 $46,759.64 35.12 $1,483.46 66 0.011016 * 87,570 * 965 $3,498.32 $43,049.52 36.70 $1,448.34 67 0.012251 * 86,605 * 1,061 $3,295.03 $39,551.21 38.45 $1,411.64 68 0.013657 * 85,544 * 1,168 $3,099.68 $36,256.18 40.32 $1,373.19 69 0.015233 * 84,376 * 1,285 $2,911.76 $33,156.50 42.24 $1,332.88 70 0.016979 * 83,090 * 1,411 $2,730.86 $30,244.74 44.16 $1,290.63 71 0.018891 * 81,680 * 1,543 $2,556.66 $27,513.88 46.00 $1,246.48 72 0.020967 * 80,137 * 1,680 $2,388.92 $24,957.22 47.70 $1,200.48 73 0.023209 * 78,456 * 1,821 $2,227.46 $22,568.30 49.24 $1,152.77 74 0.025644 * 76,635 * 1,965 $2,072.15 $20,340.85 50.61 $1,103.54 75 0.028304 * 74,670 * 2,113 $1,922.87 $18,268.70 51.83 $1,052.93 76 0.031220 * 72,557 * 2,265 $1,779.47 $16,345.83 52.91 $1,001.10 77 0.034425 * 70,291 * 2,420 $1,641.82 $14,566.36 53.83 $948.19 78 0.037948 * 67,872 * 2,576 $1,509.81 $12,924.53 54.57 $894.36 79 0.041812 * 65,296 * 2,730 $1,383.35 $11,414.72 55.09 $839.79 80 0.046037 * 62,566 * 2,880 $1,262.39 $10,031.37 55.35 $784.71 81 0.050643 * 59,686 * 3,023 $1,146.93 $8,768.98 55.32 $729.36 82 0.055651 * 56,663 * 3,153 $1,036.99 $7,622.05 54.96 $674.04 83 0.061080 * 53,510 * 3,268 $932.65 $6,585.06 54.25 $619.08 84 0.066948 * 50,241 * 3,364 $833.99 $5,652.40 53.17 $564.82 85 0.073275 * 46,878 * 3,435 $741.10 $4,818.42 51.72 $511.65 86 0.080076 * 43,443 * 3,479 $654.09 $4,077.32 49.88 $459.93 87 0.087370 * 39,964 * 3,492 $573.06 $3,423.23 47.68 $410.05 88 0.095169 * 36,472 * 3,471 $498.09 $2,850.17 45.15 $362.36 89 0.103455 * 33,001 * 3,414 $429.22 $2,352.08 42.29 $317.22 90 0.112208 * 29,587 * 3,320 $366.49 $1,922.86 39.17 $274.93 91 0.121402 * 26,267 * 3,189 $309.88 $1,556.37 35.83 $235.76 92 0.131017 * 23,078 * 3,024 $259.29 $1,246.49 32.35 $199.94 93 0.141030 * 20,055 * 2,828 $214.59 $987.20 28.82 $167.58 94 0.151422 * 17,226 * 2,608 $175.55 $772.61 25.32 $138.76 95 0.162179 * 14,618 * 2,371 $141.87 $597.06 21.91 $113.44 96 0.173279 * 12,247 * 2,122 $113.20 $455.18 18.68 $91.53 97 0.184706 * 10,125 * 1,870 $89.13 $341.98 15.68 $72.85 98 0.196946 * 8,255 * 1,626 $69.21 $252.85 12.98 $57.17 99 0.210484 * 6,629 * 1,395 $52.93 $183.64 10.61 $44.19 100 0.225806 * 5,234 * 1,182 $39.80 $130.71 $8.56 $33.58 101 0.243398 * 4,052 * 986 $29.35 $90.91 $6.80 $25.02 102 0.263745 * 3,066 * 809 $21.15 $61.56 $5.31 $18.21 103 0.287334 * 2,257 * 649 $14.83 $40.41 $4.06 $12.90 104 0.314649 * 1,609 * 506 $10.06 $25.59 $3.02 $8.85 105 0.346177 * 1,102 * 382 $6.57 $15.52 $2.17 $5.83 106 0.382403 * 721 * 276 $4.09 $8.95 $1.49 $3.66 107 0.423813 * 445 * 189 $2.41 $4.86 $0.97 $2.17 108 0.470893 * 257 * 121 $1.32 $2.46 $0.59 $1.20 109 0.524128 * 136 * 71 $0.67 $1.14 $0.33 $0.61 110 0.584004 * 65 * 38 $0.30 $0.47 $0.17 $0.28 111 0.651007 * 27 * 17 $0.12 $0.17 $0.07 $0.11 112 0.725622 * 9 * 7 $0.04 $0.05 $0.03 $0.04 113 0.808336 * 3 * 2 $0.01 $0.01 $0.01 $0.01 114 0.899633 $0.49 * 0 $0.00 $0.00 $0.00 $0.00 115 1.000000 * 0.049 * 0 $0.00 $0.00 $0.00 $0.00 TÁBUA DE COMUTAÇÃO – SEGUROS POR MORTE Bases Técnicas: CSO 80 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 0 0.004180 * 100,000 * 418 $100,000.00 $1,986,263.23 398.10 $5,416.04 1 0.001070 * 99,582 * 107 $94,840.00 $1,886,263.23 96.65 $5,017.94 2 0.000990 * 99,475 * 98 $90,227.16 $1,791,423.23 85.07 $4,921.29 3 0.000980 * 99,377 * 97 $85,845.56 $1,701,196.07 80.12 $4,836.22 4 0.000950 * 99,280 * 94 $81,677.55 $1,615,350.51 73.90 $4,756.10 5 0.000900 * 99,185 * 89 $77,714.25 $1,533,672.96 66.61 $4,682.20 6 0.000860 * 99,096 * 85 $73,946.96 $1,455,958.71 60.57 $4,615.59 7 0.000800 * 99,011 * 79 $70,365.11 $1,382,011.75 53.61 $4,555.02 8 0.000760 * 98,932 * 75 $66,960.78 $1,311,646.65 48.47 $4,501.41 9 0.000740 * 98,856 * 73 $63,723.70 $1,244,685.87 44.91 $4,452.95 10 0.000730 * 98,783 * 72 $60,644.33 $1,180,962.17 42.16 $4,408.04 11 0.000770 * 98,711 * 76 $57,714.34 $1,120,317.84 42.32 $4,365.87 12 0.000850 * 98,635 * 84 $54,923.72 $1,062,603.50 44.46 $4,323.55 13 0.000990 * 98,551 * 98 $52,263.84 $1,007,679.78 49.28 $4,279.09 14 0.001150 * 98,454 * 113 $49,725.81 $955,415.94 54.46 $4,229.81 15 0.001330 * 98,340 * 131 $47,303.45 $905,690.14 59.92 $4,175.35 16 0.001510 * 98,210 * 148 $44,990.99 $858,386.69 64.70 $4,115.43 17 0.001670 * 98,061 * 164 $42,783.86 $813,395.70 68.05 $4,050.73 18 0.001780 * 97,898 * 174 $40,678.48 $770,611.84 68.96 $3,982.68 19 0.001860 * 97,723 * 182 $38,672.45 $729,933.36 68.51 $3,913.72 20 0.001900 * 97,542 * 185 $36,762.40 $691,260.90 66.52 $3,845.22 21 0.001910 * 97,356 * 186 $34,945.29 $654,498.50 63.57 $3,778.69 22 0.001890 * 97,170 * 184 $33,217.66 $619,553.21 59.79 $3,715.13 23 0.001860 * 96,987 * 180 $31,576.08 $586,335.55 55.93 $3,655.34 24 0.001820 * 96,806 * 176 $30,016.52 $554,759.47 52.03 $3,599.40 25 0.001770 * 96,630 * 171 $28,535.13 $524,742.95 48.10 $3,547.37 26 0.001730 * 96,459 * 167 $27,128.21 $496,207.82 44.70 $3,499.27 27 0.001710 * 96,292 * 165 $25,791.70 $469,079.60 42.00 $3,454.57 28 0.001700 * 96,128 * 163 $24,521.52 $443,287.91 39.70 $3,412.57 29 0.001710 * 95,964 * 164 $23,314.13 $418,766.39 37.97 $3,372.87 30 0.001730 * 95,800 * 166 $22,165.96 $395,452.26 36.52 $3,334.90 31 0.001780 * 95,634 * 170 $21,073.92 $373,286.30 35.73 $3,298.38 32 0.001830 * 95,464 * 175 $20,034.67 $352,212.39 34.92 $3,262.65 33 0.001910 * 95,289 * 182 $19,045.72 $332,177.72 34.65 $3,227.74 34 0.002000 * 95,107 * 190 $18,104.14 $313,131.99 34.48 $3,193.09 35 0.002110 * 94,917 * 200 $17,207.55 $295,027.86 34.58 $3,158.61 36 0.002240 * 94,717 * 212 $16,353.57 $277,820.30 34.89 $3,124.03 37 0.002400 * 94,505 * 227 $15,539.94 $261,466.74 35.52 $3,089.14 38 0.002580 * 94,278 * 243 $14,764.42 $245,926.80 36.28 $3,053.62 39 0.002790 * 94,035 * 262 $14,025.07 $231,162.38 37.27 $3,017.34 40 0.003020 * 93,772 * 283 $13,319.95 $217,137.31 38.31 $2,980.08 41 0.003290 * 93,489 * 308 $12,647.35 $203,817.36 39.63 $2,941.76 42 0.003560 * 93,182 * 332 $12,005.47 $191,170.01 40.70 $2,902.14 43 0.003870 * 92,850 * 359 $11,393.08 $179,164.54 41.99 $2,861.43 44 0.004190 * 92,490 * 388 $10,808.56 $167,771.46 43.13 $2,819.44 45 0.004550 * 92,103 * 419 $10,250.73 $156,962.90 44.42 $2,776.31 46 0.004920 * 91,684 * 451 $9,718.18 $146,712.17 45.54 $2,731.89 47 0.005320 * 91,233 * 485 $9,209.88 $136,993.99 46.66 $2,686.35 48 0.005740 * 90,747 * 521 $8,724.65 $127,784.11 47.69 $2,639.69 49 0.006210 * 90,227 * 560 $8,261.49 $119,059.46 48.86 $2,591.99 50 0.006710 * 89,666 * 602 $7,819.23 $110,797.97 49.97 $2,543.13 51 0.007300 * 89,065 * 650 $7,396.91 $102,978.74 51.43 $2,493.17 52 0.007960 * 88,414 * 704 $6,993.25 $95,581.83 53.02 $2,441.74 53 0.008710 * 87,711 * 764 $6,607.23 $88,588.57 54.81 $2,388.72 54 0.009560 * 86,947 * 831 $6,237.79 $81,981.35 56.79 $2,333.91 55 0.010470 * 86,115 * 902 $5,883.96 $75,743.56 58.67 $2,277.12 56 0.011460 * 85,214 * 977 $5,545.10 $69,859.60 60.52 $2,218.45 57 0.012490 * 84,237 * 1,052 $5,220.52 $64,314.50 62.10 $2,157.93 58 0.013590 * 83,185 * 1,130 $4,909.83 $59,093.98 63.55 $2,095.83 TÁBUA DE COMUTAÇÃO – SEGUROS POR MORTE Bases Técnicas: CSO 80 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 59 0.014770 * 82,055 * 1,212 $4,612.48 $54,184.15 64.88 $2,032.28 60 0.016080 * 80,843 * 1,300 $4,327.96 $49,571.67 66.28 $1,967.40 61 0.017540 * 79,543 * 1,395 $4,055.58 $45,243.71 67.75 $1,901.12 62 0.019190 * 78,148 * 1,500 $3,794.71 $41,188.13 69.35 $1,833.37 63 0.021060 * 76,648 * 1,614 $3,544.66 $37,393.42 71.10 $1,764.02 64 0.023140 * 75,034 * 1,736 $3,304.77 $33,848.76 72.83 $1,692.92 65 0.025420 * 73,297 * 1,863 $3,074.57 $30,543.99 74.43 $1,620.09 66 0.027850 * 71,434 * 1,989 $2,853.73 $27,469.42 75.69 $1,545.66 67 0.030440 * 69,445 * 2,114 $2,642.14 $24,615.69 76.60 $1,469.97 68 0.033190 * 67,331 * 2,235 $2,439.73 $21,973.55 77.12 $1,393.37 69 0.036170 * 65,096 * 2,355 $2,246.43 $19,533.82 77.38 $1,316.25 70 0.039510 * 62,742 * 2,479 $2,062.08 $17,287.38 77.59 $1,238.87 71 0.043300 * 60,263 * 2,609 $1,886.29 $15,225.31 77.79 $1,161.28 72 0.047650 * 57,653 * 2,747 $1,718.68 $13,339.02 78.00 $1,083.49 73 0.052640 * 54,906 * 2,890 $1,558.84 $11,620.34 78.15 $1,005.49 74 0.058190 * 52,016 * 3,027 $1,406.46 $10,061.50 77.94 $927.34 75 0.064190 * 48,989 * 3,145 $1,261.54 $8,655.03 77.12 $849.40 76 0.070530 * 45,844 * 3,233 $1,124.35 $7,393.49 75.52 $772.28 77 0.077120 * 42,611 * 3,286 $995.28 $6,269.15 73.10 $696.75 78 0.083900 * 39,325 * 3,299 $874.79 $5,273.86 69.90 $623.65 79 0.091050 * 36,026 * 3,280 $763.23 $4,399.08 66.18 $553.75 80 0.098840 * 32,745 * 3,237 $660.70 $3,635.85 62.19 $487.57 81 0.107480 * 29,509 * 3,172 $567.05 $2,975.14 58.04 $425.37 82 0.117250 * 26,337 * 3,088 $482.00 $2,408.09 53.82 $367.33 83 0.128260 * 23,249 * 2,982 $405.23 $1,926.09 49.50 $313.51 84 0.140250 * 20,267 * 2,842 $336.43 $1,520.87 44.94 $264.01 85 0.152950 * 17,425 * 2,665 $275.47 $1,184.44 40.13 $219.07 86 0.166090 * 14,760 * 2,451 $222.23 $908.97 35.15 $178.94 87 0.179550 * 12,308 * 2,210 $176.49 $686.74 30.18 $143.79 88 0.193270 * 10,098 * 1,952 $137.91 $510.25 25.38 $113.61 89 0.207290 * 8,147 * 1,689 $105.96 $372.34 20.92 $88.23 90 0.221770 * 6,458 * 1,432 $79.99 $266.38 16.90 $67.31 91 0.236980 * 5,026 * 1,191 $59.29 $186.39 13.38 $50.41 92 0.253450 * 3,835 * 972 $43.08 $127.10 10.40 $37.03 93 0.272110 * 2,863 * 779 $30.63 $84.02 7.94 $26.63 94 0.295900 * 2,084 * 617 $21.24 $53.38 5.98 $18.69 95 0.329960 * 1,467 * 484 $14.24 $32.15 4.47 $12.71 96 0.384550 * 983 * 378 $9.09 $17.91 3.33 $8.23 97 0.480200 * 605 * 291 $5.33 $8.82 2.44 $4.91 98 0.657980 * 315 * 207 $2.64 $3.50 1.65 $2.47 99 1.000000 * 108 * 108 $0.86 $0.86 0.82 $0.82 100 0.0 0.0 0.0 0.0 0.00 0.0 Comutação_AT - 2000 M TÁBUA DE COMUTAÇÃO – SEGUROS POR SOBREVIVÊNCIA Bases Técnicas: AT 2000 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 0 0.002080 * 100,000 * 208 $100,000.00 $2,036,022.58 198.10 $3,025.40 1 0.000815 * 99,792 * 81 $95,040.00 $1,936,043.73 73.77 $2,832.61 2 0.000454 * 99,711 * 45 $90,440.52 $1,841,044.14 39.10 $2,771.75 3 0.000367 * 99,665 * 37 $86,094.72 $1,750,603.63 30.09 $2,732.64 4 0.000321 * 99,629 * 32 $81,964.88 $1,664,508.91 25.06 $2,702.55 5 0.000291 * 99,597 * 29 $78,036.73 $1,582,544.03 21.63 $2,677.49 6 0.000270 * 99,568 * 27 $74,299.07 $1,504,507.29 19.11 $2,655.87 7 0.000257 * 99,541 * 26 $70,741.91 $1,430,208.22 17.31 $2,636.76 8 0.000294 * 99,515 * 29 $67,355.94 $1,359,466.31 18.86 $2,619.45 9 0.000325 * 99,486 * 32 $64,129.65 $1,292,110.37 19.85 $2,600.59 10 0.000350 * 99,454 * 35 $61,056.01 $1,227,980.72 20.35 $2,580.74 11 0.000371 * 99,419 * 37 $58,128.23 $1,166,924.71 20.54 $2,560.38 12 0.000388 * 99,382 * 39 $55,339.68 $1,108,796.49 20.45 $2,539.85 13 0.000402 * 99,344 * 40 $52,684.01 $1,053,456.81 20.17 $2,519.40 14 0.000414 * 99,304 * 41 $50,155.07 $1,000,772.80 19.78 $2,499.23 15 0.000425 * 99,263 * 42 $47,746.96 $950,617.73 19.33 $2,479.45 16 0.000437 * 99,220 * 43 $45,453.97 $902,870.77 18.92 $2,460.12 17 0.000449 * 99,177 * 45 $43,270.58 $857,416.80 18.50 $2,441.21 18 0.000463 * 99,132 * 46 $41,191.57 $814,146.22 18.16 $2,422.70 19 0.000480 * 99,087 * 48 $39,211.90 $772,954.65 17.93 $2,404.54 20 0.000499 * 99,039 * 49 $37,326.74 $733,742.75 17.74 $2,386.61 21 0.000519 * 98,990 * 51 $35,531.54 $696,416.00 17.56 $2,368.88 22 0.000542 * 98,938 * 54 $33,822.00 $660,884.46 17.46 $2,351.31 23 0.000566 * 98,885 * 56 $32,193.97 $627,062.46 17.35 $2,333.85 24 0.000592 * 98,829 * 59 $30,643.57 $594,868.49 17.28 $2,316.50 25 0.000616 * 98,770 * 61 $29,167.08 $564,224.92 17.11 $2,299.22 26 0.000639 * 98,709 * 63 $27,761.06 $535,057.84 16.89 $2,282.11 27 0.000659 * 98,646 * 65 $26,422.21 $507,296.78 16.58 $2,265.22 28 0.000675 * 98,581 * 67 $25,147.42 $480,874.58 16.17 $2,248.63 29 0.000687 * 98,515 * 68 $23,933.76 $455,727.15 15.66 $2,232.47 30 0.000694 * 98,447 * 68 $22,778.40 $431,793.39 15.06 $2,216.81 31 0.000699 * 98,379 * 69 $21,678.66 $409,015.00 14.43 $2,201.75 32 0.000700 * 98,310 * 69 $20,631.91 $387,336.34 13.75 $2,187.32 33 0.000701 * 98,241 * 69 $19,635.68 $366,704.43 13.11 $2,173.57 34 0.000702 * 98,172 * 69 $18,687.54 $347,068.75 12.49 $2,160.46 35 0.000704 * 98,103 * 69 $17,785.16 $328,381.21 11.92 $2,147.96 36 0.000719 * 98,034 * 70 $16,926.33 $310,596.05 11.59 $2,136.04 37 0.000749 * 97,964 * 73 $16,108.72 $293,669.72 11.49 $2,124.45 38 0.000796 * 97,890 * 78 $15,330.15 $277,561.00 11.62 $2,112.96 39 0.000864 * 97,812 * 85 $14,588.52 $262,230.85 12.00 $2,101.34 40 0.000953 * 97,728 * 93 $13,881.82 $247,642.33 12.60 $2,089.33 41 0.001065 * 97,635 * 104 $13,208.18 $233,760.51 13.40 $2,076.73 42 0.001201 * 97,531 * 117 $12,565.83 $220,552.33 14.37 $2,063.33 43 0.001362 * 97,414 * 133 $11,953.08 $207,986.50 15.50 $2,048.96 44 0.001547 * 97,281 * 150 $11,368.38 $196,033.42 16.75 $2,033.46 45 0.001752 * 97,130 * 170 $10,810.28 $184,665.04 18.04 $2,016.71 46 0.001974 * 96,960 * 191 $10,277.47 $173,854.76 19.32 $1,998.67 47 0.002211 * 96,769 * 214 $9,768.74 $163,577.29 20.57 $1,979.35 48 0.002460 * 96,555 * 238 $9,282.99 $153,808.55 21.75 $1,958.78 49 0.002721 * 96,317 * 262 $8,819.20 $144,525.55 22.85 $1,937.03 50 0.002994 * 96,055 * 288 $8,376.38 $135,706.35 23.88 $1,914.17 51 0.003279 * 95,768 * 314 $7,953.62 $127,329.97 24.84 $1,890.29 52 0.003576 * 95,454 * 341 $7,550.04 $119,376.35 25.71 $1,865.45 53 0.003884 * 95,112 * 369 $7,164.80 $111,826.31 26.50 $1,839.74 54 0.004203 * 94,743 * 398 $6,797.12 $104,661.51 27.21 $1,813.24 55 0.004534 * 94,345 * 428 $6,446.24 $97,864.39 27.84 $1,786.03 56 0.004876 * 93,917 * 458 $6,111.44 $91,418.15 28.38 $1,758.19 57 0.005228 * 93,459 * 489 $5,792.04 $85,306.71 28.84 $1,729.81 58 0.005593 * 92,970 * 520 $5,487.39 $79,514.68 29.23 $1,700.97 59 0.005988 * 92,450 * 554 $5,196.85 $74,027.29 29.64 $1,671.74 60 0.006428 * 91,897 * 591 $4,919.75 $68,830.44 30.12 $1,642.11 61 0.006933 * 91,306 * 633 $4,655.36 $63,910.69 30.74 $1,611.99 62 0.007520 * 90,673 * 682 $4,402.93 $59,255.34 31.53 $1,581.25 63 0.008207 * 89,991 * 739 $4,161.74 $54,852.40 32.53 $1,549.72 64 0.009008 * 89,253 * 804 $3,931.03 $50,690.67 33.72 $1,517.19 65 0.009940 * 88,449 * 879 $3,710.11 $46,759.64 35.12 $1,483.46 66 0.011016 * 87,570 * 965 $3,498.32 $43,049.52 36.70 $1,448.34 67 0.012251 * 86,605 * 1,061 $3,295.03 $39,551.21 38.45 $1,411.64 68 0.013657 * 85,544 * 1,168 $3,099.68 $36,256.18 40.32 $1,373.19 69 0.015233 * 84,376 * 1,285 $2,911.76 $33,156.50 42.24 $1,332.88 70 0.016979 * 83,090 * 1,411 $2,730.86 $30,244.74 44.16 $1,290.63 71 0.018891 * 81,680 * 1,543 $2,556.66 $27,513.88 46.00 $1,246.48 72 0.020967 * 80,137 * 1,680 $2,388.92 $24,957.22 47.70 $1,200.48 73 0.023209 * 78,456 * 1,821 $2,227.46 $22,568.30 49.24 $1,152.77 74 0.025644 * 76,635 * 1,965 $2,072.15 $20,340.85 50.61 $1,103.54 75 0.028304 * 74,670 * 2,113 $1,922.87 $18,268.70 51.83 $1,052.93 76 0.031220 * 72,557 * 2,265 $1,779.47 $16,345.83 52.91 $1,001.10 77 0.034425 * 70,291 * 2,420 $1,641.82 $14,566.36 53.83 $948.19 78 0.037948 * 67,872 * 2,576 $1,509.81 $12,924.53 54.57 $894.36 79 0.041812 * 65,296 * 2,730 $1,383.35 $11,414.72 55.09 $839.79 80 0.046037 * 62,566 * 2,880 $1,262.39 $10,031.37 55.35 $784.71 81 0.050643 * 59,686 * 3,023 $1,146.93 $8,768.98 55.32 $729.36 82 0.055651 * 56,663 * 3,153 $1,036.99 $7,622.05 54.96 $674.04 83 0.061080 * 53,510 * 3,268 $932.65 $6,585.06 54.25 $619.08 84 0.066948 * 50,241 * 3,364 $833.99 $5,652.40 53.17 $564.82 85 0.073275 * 46,878 * 3,435 $741.10 $4,818.42 51.72 $511.65 86 0.080076 * 43,443 * 3,479 $654.09 $4,077.32 49.88 $459.93 87 0.087370 * 39,964 * 3,492 $573.06 $3,423.23 47.68 $410.05 88 0.095169 * 36,472 * 3,471 $498.09 $2,850.17 45.15 $362.36 89 0.103455 * 33,001 * 3,414 $429.22 $2,352.08 42.29 $317.22 90 0.112208 * 29,587 * 3,320 $366.49 $1,922.86 39.17 $274.93 eox eox 91 0.121402 * 26,267 * 3,189 $309.88 $1,556.37 35.83 $235.76 5.495399 5.495399 92 0.131017 * 23,078 * 3,024 $259.29 $1,246.49 32.35 $199.94 5.185648 5.185648 93 0.141030 * 20,055 * 2,828 $214.59 $987.20 28.82 $167.58 4.892106 4.892106 94 0.151422 * 17,226 * 2,608 $175.55 $772.61 25.32 $138.76 4.613224 4.613224 95 0.162179 * 14,618 * 2,371 $141.87 $597.06 21.91 $113.44 4.347196 4.347196 96 0.173279 * 12,247 * 2,122 $113.20 $455.18 18.68 $91.53 4.091907 4.091907 97 0.184706 * 10,125 * 1,870 $89.13 $341.98 15.68 $72.85 3.844763 3.844763 98 0.196946 * 8,255 * 1,626 $69.21 $252.85 12.98 $57.17 3.602524 3.602524 99 0.210484 * 6,629 * 1,395 $52.93 $183.64 10.61 $44.19 3.363406 3.363406 100 0.225806 * 5,234 * 1,182 $39.80 $130.71 $8.56 $33.58 3.126787 3.126787 101 0.243398 * 4,052 * 986 $29.35 $90.91 $6.80 $25.02 2.892931 2.892931 102 0.263745 * 3,066 * 809 $21.15 $61.56 $5.31 $18.21 2.662734 2.662734 103 0.287334 * 2,257 * 649 $14.83 $40.41 $4.06 $12.90 2.437479 2.437479 104 0.314649 * 1,609 * 506 $10.06 $25.59 $3.02 $8.85 2.218636 2.218636 105 0.346177 * 1,102 * 382 $6.57 $15.52 $2.17 $5.83 2.007672 2.007672 106 0.382403 * 721 * 276 $4.09 $8.95 $1.49 $3.66 1.805933 1.805933 107 0.423813 * 445 * 189 $2.41 $4.86 $0.97 $2.17 1.614539 1.614539 108 0.470893 * 257 * 121 $1.32 $2.46 $0.59 $1.20 1.434336 1.434336 109 0.524128 * 136 * 71 $0.67 $1.14 $0.33 $0.61 1.265874 1.265874 110 0.584004 * 65 * 38 $0.30 $0.47 $0.17 $0.28 1.109411 1.109411 111 0.651007 * 27 * 17 $0.12 $0.17 $0.07 $0.11 0.964944 0.964944 112 0.725622 * 9 * 7 $0.04 $0.05 $0.03 $0.04 0.832245 0.832245 113 0.808336 * 3 * 2 $0.01 $0.01 $0.01 $0.01 0.710901 0.710901 114 0.899633 $0.49 * 0 $0.00 $0.00 $0.00 $0.00 0.600367 0.600367 115 1.000000 * 0.049 * 0 $0.00 $0.00 $0.00 $0.00 0.500000 0.500000 1 - Na raiz da tábua, por convenção, fixamos o número de vivos como sendo 100.000, 1.000.000, etc. O número de pessoas vivas para as idades seguintes pode ser obtido pelas seguinte fórmula: 2 - A função biométrica que indica o número de pessoas mortas entre as idades “x” e “x+1” tem a seguinte fórmula: 3 - As demais colunas são calculadas pelas seguintes fórmulas: Comutação_CSO 80 M TÁBUA DE COMUTAÇÃO – SEGUROS POR MORTE Bases Técnicas: CSO 80 M e Juros i = 5.0% a.a. x qx lx dx Dx Nx Cx Mx 0 0.004180 * 100,000 * 418 $100,000.00 $1,986,263.23 398.10 $5,416.04 1 0.001070 * 99,582 * 107 $94,840.00 $1,886,263.23 96.65 $5,017.94 2 0.000990 * 99,475 * 98 $90,227.16 $1,791,423.23 85.07 $4,921.29 3 0.000980 * 99,377 * 97 $85,845.56 $1,701,196.07 80.12 $4,836.22 4 0.000950 * 99,280 * 94 $81,677.55 $1,615,350.51 73.90 $4,756.10 5 0.000900 * 99,185 * 89 $77,714.25 $1,533,672.96 66.61 $4,682.20 6 0.000860 * 99,096 * 85 $73,946.96 $1,455,958.71 60.57 $4,615.59 7 0.000800 * 99,011 * 79 $70,365.11 $1,382,011.75 53.61 $4,555.02 8 0.000760 * 98,932 * 75 $66,960.78 $1,311,646.65 48.47 $4,501.41 9 0.000740 * 98,856 * 73 $63,723.70 $1,244,685.87 44.91 $4,452.95 10 0.000730 * 98,783 * 72 $60,644.33 $1,180,962.17 42.16 $4,408.04 11 0.000770 * 98,711 * 76 $57,714.34 $1,120,317.84 42.32 $4,365.87 12 0.000850 * 98,635 * 84 $54,923.72 $1,062,603.50 44.46 $4,323.55 13 0.000990 * 98,551 * 98 $52,263.84 $1,007,679.78 49.28 $4,279.09 14 0.001150 * 98,454 * 113 $49,725.81 $955,415.94 54.46 $4,229.81 15 0.001330 * 98,340 * 131 $47,303.45 $905,690.14 59.92 $4,175.35 16 0.001510 * 98,210 * 148 $44,990.99 $858,386.69 64.70 $4,115.43 17 0.001670 * 98,061 * 164 $42,783.86 $813,395.70 68.05 $4,050.73 18 0.001780 * 97,898 * 174 $40,678.48 $770,611.84 68.96 $3,982.68 19 0.001860 * 97,723 * 182 $38,672.45 $729,933.36 68.51 $3,913.72 20 0.001900 * 97,542 * 185 $36,762.40 $691,260.90 66.52 $3,845.22 21 0.001910 * 97,356 * 186 $34,945.29 $654,498.50 63.57 $3,778.69 22 0.001890 * 97,170 * 184 $33,217.66 $619,553.21 59.79 $3,715.13 23 0.001860 * 96,987 * 180 $31,576.08 $586,335.55 55.93 $3,655.34 24 0.001820 * 96,806 * 176 $30,016.52 $554,759.47 52.03 $3,599.40 25 0.001770 * 96,630 * 171 $28,535.13 $524,742.95 48.10 $3,547.37 26 0.001730 * 96,459 * 167 $27,128.21 $496,207.82 44.70 $3,499.27 27 0.001710 * 96,292 * 165 $25,791.70 $469,079.60 42.00 $3,454.57 28 0.001700 * 96,128 * 163 $24,521.52 $443,287.91 39.70 $3,412.57 29 0.001710 * 95,964 * 164 $23,314.13 $418,766.39 37.97 $3,372.87 30 0.001730 * 95,800 * 166 $22,165.96 $395,452.26 36.52 $3,334.90 31 0.001780 * 95,634 * 170 $21,073.92 $373,286.30 35.73 $3,298.38 32 0.001830 * 95,464 * 175 $20,034.67 $352,212.39 34.92 $3,262.65 33 0.001910 * 95,289 * 182 $19,045.72 $332,177.72 34.65 $3,227.74 34 0.002000 * 95,107 * 190 $18,104.14 $313,131.99 34.48 $3,193.09 35 0.002110 * 94,917 * 200 $17,207.55 $295,027.86 34.58 $3,158.61 36 0.002240 * 94,717 * 212 $16,353.57 $277,820.30 34.89 $3,124.03 37 0.002400 * 94,505 * 227 $15,539.94 $261,466.74 35.52 $3,089.14 38 0.002580 * 94,278 * 243 $14,764.42 $245,926.80 36.28 $3,053.62 39 0.002790 * 94,035 * 262 $14,025.07 $231,162.38 37.27 $3,017.34 40 0.003020 * 93,772 * 283 $13,319.95 $217,137.31 38.31 $2,980.08 41 0.003290 * 93,489 * 308 $12,647.35 $203,817.36 39.63 $2,941.76 42 0.003560 * 93,182 * 332 $12,005.47 $191,170.01 40.70 $2,902.14 43 0.003870 * 92,850 * 359 $11,393.08 $179,164.54 41.99 $2,861.43 44 0.004190 * 92,490 * 388 $10,808.56 $167,771.46 43.13 $2,819.44 45 0.004550 * 92,103 * 419 $10,250.73 $156,962.90 44.42 $2,776.31 46 0.004920 * 91,684 * 451 $9,718.18 $146,712.17 45.54 $2,731.89 47 0.005320 * 91,233 * 485 $9,209.88 $136,993.99 46.66 $2,686.35 48 0.005740 * 90,747 * 521 $8,724.65 $127,784.11 47.69 $2,639.69 49 0.006210 * 90,227 * 560 $8,261.49 $119,059.46 48.86 $2,591.99 50 0.006710 * 89,666 * 602 $7,819.23 $110,797.97 49.97 $2,543.13 51 0.007300 * 89,065 * 650 $7,396.91 $102,978.74 51.43 $2,493.17 52 0.007960 * 88,414 * 704 $6,993.25 $95,581.83 53.02 $2,441.74 53 0.008710 * 87,711 * 764 $6,607.23 $88,588.57 54.81 $2,388.72 54 0.009560 * 86,947 * 831 $6,237.79 $81,981.35 56.79 $2,333.91 55 0.010470 * 86,115 * 902 $5,883.96 $75,743.56 58.67 $2,277.12 56 0.011460 * 85,214 * 977 $5,545.10 $69,859.60 60.52 $2,218.45 57 0.012490 * 84,237 * 1,052 $5,220.52 $64,314.50 62.10 $2,157.93 58 0.013590 * 83,185 * 1,130 $4,909.83 $59,093.98 63.55 $2,095.83 59 0.014770 * 82,055 * 1,212 $4,612.48 $54,184.15 64.88 $2,032.28 60 0.016080 * 80,843 * 1,300 $4,327.96 $49,571.67 66.28 $1,967.40 61 0.017540 * 79,543 * 1,395 $4,055.58 $45,243.71 67.75 $1,901.12 62 0.019190 * 78,148 * 1,500 $3,794.71 $41,188.13 69.35 $1,833.37 63 0.021060 * 76,648 * 1,614 $3,544.66 $37,393.42 71.10 $1,764.02 64 0.023140 * 75,034 * 1,736 $3,304.77 $33,848.76 72.83 $1,692.92 65 0.025420 * 73,297 * 1,863 $3,074.57 $30,543.99 74.43 $1,620.09 66 0.027850 * 71,434 * 1,989 $2,853.73 $27,469.42 75.69 $1,545.66 67 0.030440 * 69,445 * 2,114 $2,642.14 $24,615.69 76.60 $1,469.97 68 0.033190 * 67,331 * 2,235 $2,439.73 $21,973.55 77.12 $1,393.37 69 0.036170 * 65,096 * 2,355 $2,246.43 $19,533.82 77.38 $1,316.25 70 0.039510 * 62,742 * 2,479 $2,062.08 $17,287.38 77.59 $1,238.87 71 0.043300 * 60,263 * 2,609 $1,886.29 $15,225.31 77.79 $1,161.28 72 0.047650 * 57,653 * 2,747 $1,718.68 $13,339.02 78.00 $1,083.49 73 0.052640 * 54,906 * 2,890 $1,558.84 $11,620.34 78.15 $1,005.49 74 0.058190 * 52,016 * 3,027 $1,406.46 $10,061.50 77.94 $927.34 75 0.064190 * 48,989 * 3,145 $1,261.54 $8,655.03 77.12 $849.40 76 0.070530 * 45,844 * 3,233 $1,124.35 $7,393.49 75.52 $772.28 77 0.077120 * 42,611 * 3,286 $995.28 $6,269.15 73.10 $696.75 78 0.083900 * 39,325 * 3,299 $874.79 $5,273.86 69.90 $623.65 79 0.091050 * 36,026 * 3,280 $763.23 $4,399.08 66.18 $553.75 80 0.098840 * 32,745 * 3,237 $660.70 $3,635.85 62.19 $487.57 81 0.107480 * 29,509 * 3,172 $567.05 $2,975.14 58.04 $425.37 82 0.117250 * 26,337 * 3,088 $482.00 $2,408.09 53.82 $367.33 83 0.128260 * 23,249 * 2,982 $405.23 $1,926.09 49.50 $313.51 84 0.140250 * 20,267 * 2,842 $336.43 $1,520.87 44.94 $264.01 85 0.152950 * 17,425 * 2,665 $275.47 $1,184.44 40.13 $219.07 86 0.166090 * 14,760 * 2,451 $222.23 $908.97 35.15 $178.94 87 0.179550 * 12,308 * 2,210 $176.49 $686.74 30.18 $143.79 88 0.193270 * 10,098 * 1,952 $137.91 $510.25 25.38 $113.61 89 0.207290 * 8,147 * 1,689 $105.96 $372.34 20.92 $88.23 90 0.221770 * 6,458 * 1,432 $79.99 $266.38 16.90 $67.31 eox eox 91 0.236980 * 5,026 * 1,191 $59.29 $186.39 13.38 $50.41 2.9392063544 2.9392063544 92 0.253450 * 3,835 * 972 $43.08 $127.10 10.40 $37.03 2.6967790549 2.6967790549 93 0.272110 * 2,863 * 779 $30.63 $84.02 7.94 $26.63 2.4425745829 2.4425745829 94 0.295900 * 2,084 * 617 $21.24 $53.38 5.98 $18.69 2.1687749288 2.1687749288 95 0.329960 * 1,467 * 484 $14.24 $32.15 4.47 $12.71 1.8700822735 1.8700822735 96 0.384550 * 983 * 378 $9.09 $17.91 3.33 $8.23 1.5447768394 1.5447768394 97 0.480200 * 605 * 291 $5.33 $8.82 2.44 $4.91 1.197581996 1.197581996 98 0.657980 * 315 * 207 $2.64 $3.50 1.65 $2.47 0.84202 0.84202 99 1.000000 * 108 * 108 $0.86 $0.86 0.82 $0.82 0.5 0.5 100 0.0 0.0 0.0 0.0 0.00 0.0 0 0 1 - Na raiz da tábua, por convenção, fixamos o número de vivos como sendo 100.000, 1.000.000, etc. O número de pessoas vivas para as idades seguintes pode ser obtido pelas seguinte fórmula: 2 - A função biométrica que indica o número de pessoas mortas entre as idades “x” e “x+1” tem a seguinte fórmula: 3 - As demais colunas são calculadas pelas seguintes fórmulas: MBD0024A3C4.unknown MBD0024A3C6.unknown MBD0024A3C7.unknown MBD0024A3C5.unknown MBD000A54EF.unknown MBD0024A3C2.unknown MBD0024A3C3.unknown MBD000A54F0.unknown MBD000A54ED.unknown MBD000A54EE.unknown MBD000A54E9.unknown MBD000A54EC.unknown
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