Mortality and Other Rate Tables

Table Information

Table Identity	300
Provider Domain	soa.org
Provider Name	Stephen J. Strommen
Table Reference	Sheppard Homans, “Schedule - Table of Mortality Based on American Experience”, State Legislature of New York (New York, May, 1868) reprinted by Nelson and Warren, Inc, “Principal Mortality Tables, Old and New”, (St. Louis, MO, 1957) p. 2-3. Accessed January, 2013 from http://books.google.com/books?id=V2hZAAAAYAAJ&pg=PA346&lpg=PA346&dq=1868#v=onepage&q=1868%20american%20experience&f=false. James M. Craig,
Content Type	Insured Lives Mortality
Table Name	American Experience Table with Craig’s Extension
Table Description	American Experience Table with Craig’s Extension for ages 0-9. Minimum Age: 0. Maximum Age: 95.
Comments	Study Data: Primarily based on experience from insured lives of Mutual Life Insurance Company of New York observed from 1843 to 1860. Data adjusted such that the table would represent death rates among insured lives after the effect of medical selection were eliminated. The American Experience Table is generally regarded as the first mortality table not derived from British experience. The table was adopted and published by the state of New York for the setting of reserves. The table was also subsequently adopted by other states for valuation purposes. Study Methodology: To a certain extent an empirical table, Mr. Homans never gave full details regarding his construction techniques. All that is known is mortality statistics were deduced from the experience of Mutual Life Insurance Company of New York and that data was inadequate at the very young and very old ages. Mr. Homans collated data and then drew a curve to which he employed a simple method of adjustment. Mr. Homans made the limiting age 96 because in the records of other countries he could find no instance of an insured attaining the age of 100. The table commenced at age 10 but was extended to age 0 by James Craig. Mr. Craig adopted ages 0 to 5 of the Actuaries' Table (SOA Table 252) and extended them into the American Experience Table rates at age 10. Note the original data published in 1868 was simply a schedule of the number of deaths, not a table of death rates per 1000. Nelson & Warren printed the table as Rates per 1000 with two decimals. Using the original data, additional decimal positions can be determined; this table reflects the increased precision. Data Transcription Errors: None. Data Certified: 01/2013

Table Data

Table Description

American Experience Table with Craig’s Extension for ages 0-9. Minimum Age: 0. Maximum Age: 95

Nation

United States of America

Scaling Factor

Data Type

Floating Point

Table Values

Row\Column	1
0	0.154701
1	0.063494
2	0.035503
3	0.023905
4	0.017699
5	0.013601
6	0.011372
7	0.009749
8	0.008626
9	0.007897
10	0.007490
11	0.007516
12	0.007543
13	0.007569
14	0.007596
15	0.007634
16	0.007661
17	0.007688
18	0.007727
19	0.007765
20	0.007805
21	0.007855
22	0.007906
23	0.007958
24	0.008011
25	0.008065
26	0.008130
27	0.008197
28	0.008264
29	0.008345
30	0.008427
31	0.008510
32	0.008607
33	0.008718
34	0.008831
35	0.008946
36	0.009089
37	0.009234
38	0.009408
39	0.009586
40	0.009794
41	0.010008
42	0.010252
43	0.010517
44	0.010829
45	0.011163
46	0.011562
47	0.012000
48	0.012509
49	0.013106
50	0.013781
51	0.014541
52	0.015389
53	0.016333
54	0.017396
55	0.018571
56	0.019885
57	0.021335
58	0.022936
59	0.024720
60	0.026693
61	0.028880
62	0.031292
63	0.033943
64	0.036873
65	0.040129
66	0.043707
67	0.047647
68	0.052002
69	0.056762
70	0.061993
71	0.067665
72	0.073733
73	0.080178
74	0.087028
75	0.094371
76	0.102311
77	0.111064
78	0.120827
79	0.131734
80	0.144466
81	0.158605
82	0.174297
83	0.191561
84	0.211359
85	0.235552
86	0.265681
87	0.303020
88	0.346692
89	0.395863
90	0.454545
91	0.532468
92	0.634259
93	0.734177
94	0.857143
95	1.000000