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{"sheet":"Updates","index":0,"n_rows":2,"n_cols":1,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
["6/26/2023 Update:"]
["The Reserve Factor Calculator has been updated to correct an error in which the formula for the death and recovery rates in duration 9 was using the ultimate rates rather than select rates."]

{"sheet":"Information","index":1,"n_rows":39,"n_cols":3,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
[]
["Society of Actuaries (\"SOA\") Group Life Experience Committee"]
["Calculation Spreadsheet for Reserve Factors for Group Term Life Waiver of Premium (NAIC Version)"]
["General Information"]
[]
[]
["This Microsoft® Excel workbook has been developed by the SOA's Group Life Experience Committee to assist "]
["companies wishing to develop reserve factors consistent with the NAIC Guideline for Group Term Life Waiver Reserves"]
[]
["Description of the sheets:"]
[]
[null,"Input"]
[null,null,"\"Assumptions\" contains the basic assumptions include mortality and recovery factors, "]
[null,null,"valuation interest rate, and benefit pattern code. The benefit patterns are also shown. "]
[null,null,"Input items are shown in red. "]
[null,null,"\"2023 Rates - Males\" and \"2023 Rates - Females\" contain the select & ultimate mortality and"]
[null,null,"recovery rates for males and females respectively."]
[]
[null,"Interim Calculations"]
[null,null,"\"M-xx\" and \"F-xx\" contain the reserve calculations for each central age (\"xx\") for males and"]
[null,null,"females respectively. "]
[]
[null,"Results"]
[null,null,"\"Reserve Factor Tables\" contains the summary of the reserve factors that are calculated in sheets"]
[null,null,"M-xx and F-xx. "]
[]
[]
[null,"This workbook was developed from the Krieger.wk1 that had previously been posted on the SOA website. "]
[null,"The Committee would like to thank that author and others who worked on updating the workbook. "]
[]
[null,"The Report of the Group Life Experience Committee of June of 2023 can be found on the SOA website"]
[null,"https://www.soa.org/resources/experience-studies/2023/group-life-waiver/"]
[]
[null,"If you have questions, please contact Patrick Nolan, Experience Studies Actuary, at the Society of Actuaries"]
[null,"research@soa.org"]
[]
[]
[null,"Group Life Experience Committee"]
[null,"June 2023"]

{"sheet":"Assumptions","index":2,"n_rows":98,"n_cols":8,"rows_kept":98,"cut":false,"hidden":false,"merged":[]}
[]
["Society of Actuaries (\"SOA\") Group Life Experience Committee"]
["Calculation Spreadsheet for Reserve Factors for Group Term Life Waiver of Premium (NAIC Version)"]
["General Assumptions"]
[]
[]
[]
["1. Input Items"]
[]
[]
[]
["Valuation Interest Rate",null,3.2500000000000001E-2]
["Benefit Pattern","Selects benefit reduction pattern.",5,{"$f":"VLOOKUP(Benefit_Option,DB_DESC,2,FALSE)","v":"Pattern 5 - No coverage after age 65"}]
["To Age XX input","Must be between 65 and 80",65]
["Diagnosis Category",null,"Invalid"]
["Diagnosis Group - Death",null,{"$f":"VLOOKUP(ClaimDiagnosisBucket,$A$82:$C$98,3,FALSE)","v":"Unclassified"}]
["Diagnosis Group - Recovery",null,{"$f":"VLOOKUP(ClaimDiagnosisBucket,$A$82:$C$98,2,FALSE)","v":"Unclassified"}]
["Own Experience Exemption","Per AG44 Section VI.D","No"]
[]
[]
["Experience Adjustment Factors (Tm and Tg) Based on Company's Experience relative to SOA Table valuation table (Sm and Sg)"]
[]
["Duration Months","5-year Mortality Actual # - C(m)","5-year Mortality Expected # - N(m)","Company Mortality A/E - F(m)","Mortality Credibility - Z(m)","Margin To be Applied - M(m)","Valuation Mortality Adjustment - T(m)"]
["0-24 months",500,600,{"$f":"B24/C24","v":0.83333333333333337},{"$f":"MIN(1,SQRT(C24/800))","v":0.8660254037844386},{"$f":"MIN(15%,MAX(5%,3%+1.65*SQRT(1/B24)))","v":0.10379024325749306},{"$f":"MAX(75%,IF(CompanyExemption=\"No\",(E24*D24+(1-E24))*(1+F24),115%))","v":0.94447184473909407}]
["25-60 months",800,900,{"$f":"B25/C25","v":0.88888888888888884},{"$f":"MIN(1,SQRT(C25/800))","v":1},{"$f":"MIN(15%,MAX(5%,3%+1.65*SQRT(1/B25)))","v":8.8336309447890171E-2},{"$f":"MAX(75%,IF(CompanyExemption=\"No\",(E25*D25+(1-E25))*(1+F25),115%))","v":0.96741005284256898}]
["61+ months",650,700,0.9285714285714286,0.93541434669348533,9.4718324595600728E-2,{"$f":"MAX(75%,IF(CompanyExemption=\"No\",(E26*D26+(1-E26))*(1+F26),115%))","v":1.0215743798516734}]
[]
["Duration Months","5-year Recovery Actual # - C(g)","5-year Recovery Expected # - N(g)","Company Recovery A/E - F(g)","Recovery Credibility - Z(g)","Margin To be Applied - M(g)","Valuation Recovery Adjustment - T(g)"]
["0-24 months",1000,600,{"$f":"B29/C29","v":1.6666666666666667},{"$f":"MIN(1,SQRT(C29/1700))","v":0.59408852578600457},{"$f":"MIN(15%,MAX(5%,3%+1.65*SQRT(2/B29)))","v":0.10379024325749306},{"$f":"IF(CompanyExemption=\"No\",(E29*D29+(1-E29))*(1-F29),85%)","v":1.2511617121946335}]
["25-60 months",1500,900,{"$f":"B30/C30","v":1.6666666666666667},{"$f":"MIN(1,SQRT(C30/1700))","v":0.72760687510899891},{"$f":"MIN(15%,MAX(5%,3%+1.65*SQRT(2/B30)))","v":9.0249481325568259E-2},{"$f":"IF(CompanyExemption=\"No\",(E30*D30+(1-E30))*(1-F30),85%)","v":1.3510443400220946}]
["61+ months",900,700,1.2857142857142858,0.64168894791974784,0.10778174593052021,{"$f":"IF(CompanyExemption=\"No\",(E31*D31+(1-E31))*(1-F31),85%)","v":1.0557972805748053}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["2. Death Benefit Reduction Patterns"]
[]
["It is common for death benefits to reduce or terminate at older certain ages. Below are common patterns. "]
["The death benefit payable is multiplied by the applicable factor shown below based on the benefit"]
["pattern input above. "]
[null,"Death Benefit Pattern Descriptions"]
[null,"Code","Description"]
[null,1,"Pattern 1 - No reduction, lifetime benefits"]
[null,2,"Pattern 2 - 50% starting at age 65"]
[null,3,"Pattern 3 - Decreases to 50% at age 69, 50% ultimate"]
[null,4,"Pattern 4 - Decreases to 65% at age 70, 50% at age 75"]
[null,5,{"$f":"\"Pattern 5 - No coverage after age \"&C14","v":"Pattern 5 - No coverage after age 65"}]
[null,6,"Pattern 6 - Decreases to 65% at 65, 35% at 70, 25% at 80"]
[]
[]
[null,"Att","Pattern","Pattern","Pattern","Pattern","Pattern","Pattern"]
[null,"Age",1,2,3,4,5,6]
[null,17,1,1,1,1,1,1]
[null,64,1,1,1,1,{"$f":"IF(ToAgeXX>B60,100%,0%)","v":1},1]
[null,65,1,0.5,0.9,1,0,0.65]
[null,66,1,0.5,0.8,1,0,0.65]
[null,67,1,0.5,0.7,1,0,0.65]
[null,68,1,0.5,0.6,1,0,0.65]
[null,69,1,0.5,0.5,1,0,0.65]
[null,70,1,0.5,0.5,0.65,0,0.35]
[null,71,1,0.5,0.5,0.65,0,0.35]
[null,72,1,0.5,0.5,0.65,0,0.35]
[null,73,1,0.5,0.5,0.65,0,0.35]
[null,74,1,0.5,0.5,0.65,0,0.35]
[null,75,1,0.5,0.5,0.5,0,0.25]
[null,76,1,0.5,0.5,0.5,0,0.25]
[null,77,1,0.5,0.5,0.5,0,0.25]
[null,78,1,0.5,0.5,0.5,0,0.25]
[null,79,1,0.5,0.5,0.5,0,0.25]
[null,80,1,0.5,0.5,0.5,0,0.25]
[]
[]
["3. Diagnosis Looks ups"]
[]
[]
["Diagnosis Category","Recovery Grouping","Mortality Grouping"]
["Back","Medium","Low Non-Cancer"]
["Cancer","Medium","Cancer"]
["Circulatory","Low","Low Non-Cancer"]
["Diabetes","Low","High Non-Cancer"]
["Diagnosis not provided","Unclassified","Unclassified"]
["Digestive","Medium","High Non-Cancer"]
["Ill-defined and Misc Conditions","Low","Low Non-Cancer"]
["Injury other than back","High","Low Non-Cancer"]
["Invalid","Unclassified","Unclassified"]
["Maternity","High","Low Non-Cancer"]
["Mental and Nervous","High","Low Non-Cancer"]
["Nervous System","Low","Low Non-Cancer"]
["Other","Low","High Non-Cancer"]
["Other Musculoskeletal","High","Low Non-Cancer"]
["Respiratory","Low","High Non-Cancer"]
["Unknown","Unclassified","Unclassified"]

{"sheet":"2023 Rates - Males","index":3,"n_rows":208,"n_cols":71,"rows_kept":208,"cut":false,"hidden":false,"merged":[[9,53,9,56]]}
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculation Spreadsheet for Reserve Factors for Group Term Life Waiver of Premium "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 Mortality and Recovery Rates Males"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES - MALES",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ultimate Period","Recovery Diagnosis Group Adjustments",null,null,null,null,null,"Ultimate Period","Death Diagnosis Group Adjustments"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table With No Margin",null,null,null,null,null,"Att",null,null,null,null,null,null,"Att"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET",null,null,"NAIC Table with Diag and Company Adjustment",null,null,null,null,"NAIC Table With Diagnosis Adjustment",null,null,null,null,"MALES",null,null,null,null,null,"Age","Unclassified","Low","Medium","High",null,null,"Age","Unclassified","Low Non-Cancer","High Non-Cancer","Cancer"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,0,null,27,{"$f":"AT13+AU13","v":91.453299338129838},{"$f":"MIN(1000-AU13,AY13*CompanyRecovAdj61)","v":75.103394403287268},{"$f":"MIN(1000,AZ13*CompanyMortAdj61)","v":16.349904934842574},null,27,{"$f":"AY13+AZ13","v":87.138909514961611},{"$f":"BD13*INDEX(UltimateRecovDiagnosisAdj,MATCH(AW13,$BG$10:$BG$16,1),MATCH(RecovDiagGroup,$BG$10:$BL$10,0))","v":71.134294229663951},{"$f":"MIN(1000,BE13*INDEX(UltimateMortDiagnosisAdj,MATCH(AW13,$BN$10:$BN$45,1),MATCH(MortDiagGroup,$BN$10:$BS$10,0)))","v":16.004615285297664},null,27,{"$f":"BD13+BE13","v":87.138909514961611},71.134294229663951,16.004615285297664,null,50,"50-54",1,0.75,1.3,1.1000000000000001,null,60,"60-64",1,0.8,1.55,2]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,93,216.46530472486543,0,216.46530472486543,null,93,211.89382681689307,0,211.89382681689307,null,93,211.89382681689307,0,211.89382681689307]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,{"$f":"AA142*INDEX(SelectRecovDiagnosisAdj,MATCH($Z96,$Z$193:$Z$208,0),MATCH(RecovDiagGroup,$Z$193:$AD$193,0))","v":77.996891878783174},77.996891878783174,74.369129465816513,53.816697247126449,39.888250407386217,30.16003379799249,22.459521267605762,16.478905795294995,11.993757027841161,9.4504264759892607,3.7801705903957044,1.8900852951978522,null,null,null,null,null,110,501.66453071376128,0,501.66453071376128,null,110,491.07,0,491.07,null,110,491.07,0,491.07]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,{"$f":"AA143*INDEX(SelectRecovDiagnosisAdj,MATCH($Z97,$Z$193:$Z$208,0),MATCH(RecovDiagGroup,$Z$193:$AD$193,0))","v":74.030334689638622},74.030334689638622,68.185834582561881,49.342199412984471,36.978210287409027,27.348521264318613,20.253626703359455,14.697086144316353,10.696904419619308,8.4285773426654753,4.2142886713327377,0,null,null,null,null,null,111,508.03915484403569,0,508.03915484403569,null,111,497.31,0,497.31,null,111,497.31,0,497.31]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,112,510.78718992583674,0,510.78718992583674,null,112,500,0,500,null,112,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,113,510.78718992583674,0,510.78718992583674,null,113,500,0,500,null,113,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,114,510.78718992583674,0,510.78718992583674,null,114,500,0,500,null,114,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with Diagnosis Adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,115,510.78718992583674,0,510.78718992583674,null,115,500,0,500,null,115,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,116,510.78718992583674,0,510.78718992583674,null,116,500,0,500,null,116,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,null,null,null,null,null,117,510.78718992583674,0,510.78718992583674,null,117,500,0,500,null,117,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,118,510.78718992583674,0,510.78718992583674,null,118,500,0,500,null,118,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,119,510.78718992583674,0,510.78718992583674,null,119,500,0,500,null,119,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",{"$f":"AA152*INDEX(SelectMortDiagnosisAdj,MATCH($Z106,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":11.299108570475715},13.293068906442018,13.293068906442018,15.247107833359378,17.504411422024301,20.102750605777157,23.080561575015388,26.47034184567708,30.347596900461497,31.864976745484572,29.281329982337173,26.697683219189777,null,null,null,null,null,120,510.78718992583674,0,510.78718992583674,null,120,500,0,500,null,120,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA153*INDEX(SelectMortDiagnosisAdj,MATCH($Z107,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":14.400330603906534},16.941565416360628,16.941565416360628,19.431921747128062,22.30877860246413,25.6202737557097,29.415392827759156,33.735552800350064,38.67698285001395,40.610831992514647,37.318061830959408,34.025291669404169,null,null,null,null,null,121,{"$f":"AT107+AU107","v":1000},0,1000,null,121,{"$f":"AY107+AZ107","v":1000},0,1000,null,121,{"$f":"BD107+BE107","v":1000},0,1000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA154*INDEX(SelectMortDiagnosisAdj,MATCH($Z108,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":13.421365375550119},15.789841618294258,15.789841618294258,18.110898207194843,20.792180189578431,23.878552830149268,27.415671602677769,31.442137874031268,36.047638955809916,37.850020903600416,34.781100289794978,31.712179675989535]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",{"$f":"AA155*INDEX(SelectMortDiagnosisAdj,MATCH($Z109,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":12.048417632529482},13.19588597848467,13.769620151462265,15.793710598460834,18.131937624981827,20.823426237336701,23.907990548095466,27.419293096246143,31.435546206078875,33.007323516382819,29.706591164744538,26.405858813106256]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",{"$f":"AA156*INDEX(SelectMortDiagnosisAdj,MATCH($Z110,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":10.952863326391904},11.948578174245714,11.948578174245714,13.704981231968263,15.733976085000089,18.069513429971739,20.746141934983587,23.793072244499147,27.278173047755342,28.642081700143109,27.581263859397065,24.398810337158942]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",{"$f":"AA157*INDEX(SelectMortDiagnosisAdj,MATCH($Z111,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":9.7100724234242275},10.486878217298166,10.486878217298166,12.028416021898856,13.809198774204258,15.859023895779089,18.208213628287165,20.88240520376316,23.941164762078799,25.138223000182737,25.138223000182737,21.859324347984991]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (annual)",{"$f":"(1-(1-AA108/1000)*(1-AA109/1000)*(1-AA110/1000)*(1-AA111/1000))*1000","v":45.34441187411187},{"$f":"(1-(1-AB108/1000)*(1-AB109/1000)*(1-AB110/1000)*(1-AB111/1000))*1000","v":50.445492298601401},50.997569314122693,58.327540523401169,66.742587659216255,76.359583423281862,87.290206426337676,99.615601131465169,113.56120232755451,118.97488839960791,112.17931543900039,100.3862983993623]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"AA159*INDEX(SelectMortDiagnosisAdj,MATCH($Z113,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":28.661230351372268},32.907338551575563,31.845811501524739,36.661666090253583,42.17341750289463,48.446325272059688,55.748876126851378,64.105798669014064,73.288032804156558,81.261928716096349,81.261928716096349,81.261928716096349]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,{"$f":"AA160*INDEX(SelectMortDiagnosisAdj,MATCH($Z114,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":12.724780219931098},19.087170329896647,23.328763736540346,26.856635333865153,30.894288652069623,35.489529796449112,40.839039685916035,46.960933346605039,53.687411982644164,59.528718107956806,61.305694767895815,64.859648087773834]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,{"$f":"AA161*INDEX(SelectMortDiagnosisAdj,MATCH($Z115,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.830530917175162},11.310766880364124,20.881415779133768,24.03918935303944,27.653265034956824,31.766433740543825,36.554743205977701,42.034408066411842,48.055232775120714,53.28374566476014,55.153350775804356,57.957758442370675]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,{"$f":"AA162*INDEX(SelectMortDiagnosisAdj,MATCH($Z116,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.2302320968616058},10.845348145292407,19.883138266369414,22.889948209141345,26.331245832288793,30.24777634684391,34.807171177654403,40.024869787068205,45.757857024478504,50.736410481379608,56.133900958122119,59.372395244167627]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,{"$f":"AA163*INDEX(SelectMortDiagnosisAdj,MATCH($Z117,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.7575468699025834},11.636320304853875,19.393867174756458,22.326687530811032,25.683303982300064,29.503459109100969,33.950659373033751,39.039964312387269,44.631877998617,49.487922510909918,63.298505537210353,70.203797050360578]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,{"$f":"AA164*INDEX(SelectMortDiagnosisAdj,MATCH($Z118,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":10.431539896299769},15.647309844449653,19.12448980988291,22.01657381294287,25.326567459065352,29.093661310763519,33.479090754190601,38.497706153327748,45.112247882093008,50.020557672951988,67.885042556149131,75.030836509427999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,{"$f":"AA165*INDEX(SelectMortDiagnosisAdj,MATCH($Z119,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":11.378138280001732},17.067207420002596,18.963563800002884,21.831311910002327,25.113453097026877,28.848848148473433,33.197375710127105,38.173761185259259,45.823683911505107,50.809399475578047,68.482234075779104,75.109547050854502]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,{"$f":"AA166*INDEX(SelectMortDiagnosisAdj,MATCH($Z120,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":12.574251025649406},18.861376538474111,18.861376538474108,21.71367147051577,24.978126476641513,28.69339293859608,33.018487978393935,37.968057649841796,46.661918824029179,51.7388361530626,70.063007290605611,80.841931489160316]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with no Margin",null,null,null,null,null,null,null,"MALES"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",166.93031757786778,166.93031757786778,136.82812916218671,112.29901904912496,92.045692491496311,75.408079487184835,61.801775662085511,50.730853067492525,41.66363700792899,35.878808463944772,26.909106347958577,22.42425528996548]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",165.32113579907249,165.32113579907249,135.50912770415778,111.21647432116599,91.158386618464476,74.681157564040916,61.206016349243903,50.241815692116603,41.262006156899034,35.532942442344861,26.649706831758646,22.208089026465537]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",140.77229934801784,140.77229934801784,116.50121325353201,95.616099164060799,78.3715666923284,64.205604528601839,52.620626255301666,43.194377997699526,35.474169600207311,30.548723729066428,26.730133262933123,19.092952330666517]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",125.88732112748886,125.88732112748886,102.13499638645324,83.825306791919019,68.707264563006319,56.288162186327995,46.131772557099993,37.867911565087383,31.099712035142765,26.781642015083175,22.955693155785578,19.129744296487981]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",113.23615242566422,113.23615242566422,92.437675449521819,75.866419717382513,62.183776838533269,50.943819962967744,41.751740054009218,34.272500543888235,28.146915253226705,24.238829198449885,20.199024332041571,16.159219465633257]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",102.49639679511313,102.49639679511313,85.810936851722616,70.427653225547132,57.725901495726042,47.291722737174965,38.758611267551693,31.815548861656662,26.129098937417286,22.501178568079546,18.000942854463638,13.500707140847728]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (annual)",{"$f":"(1-(1-AA131/1000)*(1-AA132/1000)*(1-AA133/1000)*(1-AA134/1000))*1000","v":402.24960833106019},{"$f":"(1-(1-AB131/1000)*(1-AB132/1000)*(1-AB133/1000)*(1-AB134/1000))*1000","v":402.24960833106019},341.84303466317476,288.21462328447967,241.53232819537541,201.50591628429237,167.61775185739779,139.26171667646537,115.50587078398966,100.09626655728144,85.051869011215871,66.184628776440718]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,434.41668579140389,434.41668579140389,353.12233523394821,290.16368891145692,244.21061790066153,186.70279366008876,142.92825169380509,115.19700212660776,89.591060696337365,72.570386065993986,54.427789549495486,49.892140420370865]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,259.03697543658762,259.03697543658762,195.11876071846859,163.01068085262378,129.81962548989935,99.249111112482126,76.823365418768148,58.91406031565208,45.06540722024031,35.705833845876171,22.953750329491825,20.403333626214955]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,189.05080361714283,189.05080361714283,139.14139146221711,113.70367439155089,86.159133118914511,65.507024913867355,51.552975287442365,38.034816892035721,28.774397377163908,22.672655963644477,16.489204337195982,14.428053795046484]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,135.79433169490696,135.79433169490696,116.13988894959148,87.358221065682372,64.748800562966537,49.228690425277065,38.316400523453524,28.425755621677169,21.03478367369048,16.392106744169421,11.474474720918595,9.8352640465016528]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,107.49414733138393,107.49414733138393,96.744732598245534,71.178827298770088,52.17702787831562,39.670337217053877,30.706661028505707,22.529962609071397,16.671953983054404,12.992215825158562,8.1201348907241009,6.4961079125792809]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,91.596371810707936,91.596371810707936,82.955204658754354,60.697027119588242,44.987863257612368,34.204395663668905,25.612402098869378,18.89634921290336,13.82943701298252,10.896842198164856,5.4484210990824282,3.6322807327216187]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,77.996891878783174,77.996891878783174,74.369129465816513,53.816697247126449,39.888250407386217,30.16003379799249,22.459521267605762,16.478905795294995,11.993757027841161,9.4504264759892607,3.7801705903957044,1.8900852951978522]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,74.030334689638636,74.030334689638636,68.185834582561895,49.342199412984478,36.978210287409034,27.348521264318617,20.253626703359458,14.697086144316355,10.69690441961931,8.4285773426654771,4.2142886713327385,0]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with no Margin",null,null,null,null,null,null,null,"MALES"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",11.299108570475715,13.293068906442018,13.293068906442018,15.247107833359378,17.504411422024301,20.102750605777157,23.080561575015388,26.47034184567708,30.347596900461497,31.864976745484572,29.281329982337173,26.697683219189777]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",14.40033060390653,16.941565416360625,16.941565416360625,19.431921747128058,22.308778602464127,25.620273755709693,29.415392827759149,33.735552800350057,38.676982850013943,40.61083199251464,37.318061830959401,34.025291669404162]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",13.421365375550119,15.789841618294258,15.789841618294258,18.110898207194843,20.792180189578431,23.878552830149268,27.415671602677769,31.442137874031268,36.047638955809916,37.850020903600416,34.781100289794978,31.712179675989535]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",12.048417632529484,13.195885978484672,13.769620151462266,15.793710598460835,18.13193762498183,20.823426237336705,23.907990548095469,27.419293096246147,31.435546206078879,33.007323516382826,29.706591164744541,26.40585881310626]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",10.952863326391906,11.948578174245716,11.948578174245716,13.704981231968265,15.733976085000091,18.069513429971742,20.746141934983591,23.79307224449915,27.278173047755345,28.642081700143112,27.581263859397069,24.398810337158945]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",9.7100724234242293,10.486878217298168,10.486878217298168,12.02841602189886,13.809198774204262,15.859023895779092,18.208213628287169,20.882405203763163,23.941164762078802,25.138223000182744,25.138223000182744,21.859324347984995]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,11.378138280001734,17.0672074200026,18.963563800002888,21.831311910002331,25.113453097026881,28.848848148473436,33.197375710127112,38.173761185259266,45.823683911505114,50.809399475578054,68.482234075779118,75.109547050854516]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,12.574251025649406,18.861376538474111,18.861376538474108,21.71367147051577,24.978126476641513,28.69339293859608,33.018487978393935,37.968057649841796,46.661918824029179,51.7388361530626,70.063007290605611,80.841931489160316]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Death Diagnosis Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Diagnosis Group -->","Unclassified","Low Non-Cancer","High Non-Cancer","Cancer"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",1,0.2,0.5,3.6500000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",1.0000000000000002,0.2,0.5,3.95]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",1,0.2,0.60000000000000009,4.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",0.99999999999999989,0.25,0.60000000000000009,4.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",0.99999999999999989,0.30000000000000004,0.65,4.7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",0.99999999999999978,0.35000000000000003,0.75,4.7249999999999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,0.4,0.9,4.75]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1,0.5,1.25,4.6000000000000005]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1,0.60000000000000009,1.35,4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.0000000000000002,0.65,1.4500000000000002,3.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,1,0.70000000000000007,1.55,3.0500000000000003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,0.99999999999999978,0.70000000000000007,1.6500000000000001,2.6500000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,0.99999999999999989,0.75,1.6,2.3000000000000003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1,0.75,1.5675000000000001,2.15]
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[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Diagnosis Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Diagnosis Group -->","Unclassified","Low","Medium","High"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",0.99999999999999978,0.55000000000000004,1.1500000000000001,1.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",0.99999999999999989,0.55000000000000004,1.1500000000000001,1.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",1.0000000000000002,0.60000000000000009,1.1500000000000001,1.4000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",1,0.65,1.1500000000000001,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",1,0.65,1.1500000000000001,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",1,0.65,1.1500000000000001,1.375]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,0.65,1.1500000000000001,1.4000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1.0000000000000002,0.67500000000000004,1.125,1.4750000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1,0.70000000000000007,1.1000000000000001,1.55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1,0.70000000000000007,1.1500000000000001,1.4500000000000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,0.99999999999999978,0.70000000000000007,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,1,0.7,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,1,0.70000000000000007,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,0.99999999999999989,0.70000000000000007,1.2,1.25]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Society of Actuaries (\"SOA\") Group Life Experience Committee"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Calculation Spreadsheet for Reserve Factors for Group Term Life Waiver of Premium "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 Mortality and Recovery Rates Females"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES - Females",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ultimate Period","Recovery Diagnosis Group Adjustments",null,null,null,null,null,"Ultimate Period","Death Diagnosis Group Adjustments"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,0,null,27,{"$f":"AT13+AU13","v":87.891391276900308},{"$f":"MIN(1000-AU13,AY13*CompanyRecovAdj61)","v":77.097099208015948},{"$f":"MIN(1000,AZ13*CompanyMortAdj61)","v":10.794292068884355},null,27,{"$f":"AY13+AZ13","v":83.588964818309591},{"$f":"BD13*INDEX(UltimateRecovDiagnosisAdj,MATCH(AW13,$BG$10:$BG$16,1),MATCH(RecovDiagGroup,$BG$10:$BL$10,0))","v":73.02263476757787},{"$f":"MIN(1000,BE13*INDEX(UltimateMortDiagnosisAdj,MATCH(AW13,$BN$10:$BN$45,1),MATCH(MortDiagGroup,$BN$10:$BS$10,0)))","v":10.566330050731716},null,27,{"$f":"BD13+BE13","v":83.588964818309591},73.02263476757787,10.566330050731716,null,50,"50-54",1,0.75,1.3,1.1000000000000001,null,60,"60-64",1,0.8,1.55,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",{"$f":"AA37+AA60","v":311.24032792415301},312.34650942539702,259.27099852251416,220.35556838685665,144.19484425386287,124.37416473949958,108.72457168074709,96.944940198199447,88.166836487984796,81.087128573209966,66.734857364677055,56.626849320810337,{"$error":"#N/A"},null,18,0,null,28,86.939575237295159,76.145283168410799,{"$f":"MIN(1000,AZ14*CompanyMortAdj61)","v":10.794292068884355},null,28,82.687450808833319,72.121120758101597,10.566330050731716,null,28,82.687450808833319,72.121120758101597,10.566330050731716,null,55,"55-59",1,0.75,1.25,1.2000000000000002,null,65,"65-69",1,0.75,1.55,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",237.07557108895432,238.48210883398366,199.69168432207715,171.2401321449322,147.36175306107609,128.21553930163037,113.35663041959754,102.48533634027011,94.78923583314149,88.037042039227003,73.264833723816338,62.730290865758342,{"$error":"#N/A"},null,19,0,null,29,85.999510012993795,75.205217944109435,10.794292068884355,null,29,81.797066601943172,71.23073655121145,10.566330050731716,null,29,81.797066601943172,71.23073655121145,10.566330050731716,null,60,"60-64",1,0.77,1.2000000000000002,1.05,null,70,70,1,0.75,1.55,2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",197.12884696030508,198.45941833956698,168.92743601685214,145.24513560980566,125.45307935718263,109.68864497284248,97.5859798647503,88.893831491041595,82.956778156517089,77.4414092919653,68.374415919644349,59.307422547323398,{"$error":"#N/A"},null,20,1,null,30,86.420337040812854,74.276758463317961,12.1435785774949,null,30,82.238466049010427,70.35134474193724,11.887121307073182,null,30,82.238466049010427,70.35134474193724,11.887121307073182,null,65,"65+",1,0.8,1.2,1.2000000000000002,null,71,71,1,0.7583333333333333,1.5316666666666667,1.9666666666666666]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with Diagnosis and Company Adjustment",null,null,null,null,null,null,null,"Females",null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,34.91268580819402,17.748373908828096,null,46,50.441153794538593,33.067603460000001,17.373550334538592,null,46,50.441153794538593,33.067603460000001,17.373550334538592,null,null,null,null,null,null,null,null,87,87,1,0.89166666666666616,1.2383333333333337,1.4333333333333316]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,32.083364795637969,18.297292689513501,null,47,48.298684393544946,30.387807760000005,17.910876633544941,null,47,48.298684393544946,30.387807760000005,17.910876633544941,null,null,null,null,null,null,null,null,88,88,1,0.89999999999999947,1.2200000000000004,1.3999999999999981]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,29.325238664276704,18.863188339704642,null,48,46.240265671695823,27.775444400000001,18.464821271695818,null,48,46.240265671695823,27.775444400000001,18.464821271695818,null,null,null,null,null,null,null,null,89,89,1,0.90833333333333277,1.2016666666666671,1.3666666666666647]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,27.025944462586505,20.048026718784829,null,50,45.222301738394961,25.597664399999999,19.624637338394962,null,50,45.222301738394961,25.597664399999999,19.624637338394962,null,null,null,null,null,null,null,null,91,91,1,0.92499999999999938,1.1650000000000005,1.2999999999999978]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",{"$f":"MIN(CompanyRecovAdj0*AA86,1000-AA63)","v":166.89425966101649},166.89425966101649,135.77838074116596,113.80947052575047,94.803192696103494,78.848082360435924,65.570484528347166,54.751216774038753,45.621502154176589,39.694375492191121,32.477216311792738,25.260057131394351,{"$f":"NA()","v":{"$error":"#N/A"}},null,44,5,null,54,44.868569696645736,22.222924671261609,22.645645025384123,null,54,43.215874078335794,21.048476900000001,22.167397178335793,null,54,43.215874078335794,21.048476900000001,22.167397178335793,null,null,null,null,null,null,null,null,95,95,1,0.95833333333333259,1.0916666666666672,1.1666666666666641]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,9,null,70,47.722444735682409,6.5983959931005742,41.124048742581834,null,70,46.505240800000003,6.249680800000001,40.255560000000003,null,70,46.505240800000003,6.249680800000001,40.255560000000003]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,112,510.78718992583674,0,510.78718992583674,null,112,500,0,500,null,112,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,113,510.78718992583674,0,510.78718992583674,null,113,500,0,500,null,113,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,114,510.78718992583674,0,510.78718992583674,null,114,500,0,500,null,114,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with Diagnosis Adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,115,510.78718992583674,0,510.78718992583674,null,115,500,0,500,null,115,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,116,510.78718992583674,0,510.78718992583674,null,116,500,0,500,null,116,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,null,null,null,null,null,117,510.78718992583674,0,510.78718992583674,null,117,500,0,500,null,117,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,118,510.78718992583674,0,510.78718992583674,null,118,500,0,500,null,118,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,119,510.78718992583674,0,510.78718992583674,null,119,500,0,500,null,119,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",{"$f":"AA152*INDEX(SelectMortDiagnosisAdj,MATCH($Z106,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":5.856085109395611},7.027302131274733,9.369736175032978,11.06668190208636,13.147914542721773,15.643510376666246,18.614851403964053,22.06568576524257,26.207952843646222,27.435129566734251,25.720433968813364,24.005738370892477,null,null,null,null,null,120,510.78718992583674,0,510.78718992583674,null,120,500,0,500,null,120,500,0,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA153*INDEX(SelectMortDiagnosisAdj,MATCH($Z107,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.4461602686414379},8.9353923223697258,11.9138564298263,14.07156582352223,16.717905743281104,19.891118939156645,23.669254176049176,28.057077309525909,33.324074623452248,34.884460852026514,32.704182048774861,30.523903245523208,null,null,null,null,null,121,{"$f":"AT107+AU107","v":1000},0,1000,null,121,{"$f":"AY107+AZ107","v":1000},0,1000,null,121,{"$f":"BD107+BE107","v":1000},0,1000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA154*INDEX(SelectMortDiagnosisAdj,MATCH($Z108,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.0439970586389631},8.4527964703667564,11.270395293822343,13.311567935055974,15.814980423965702,18.816810039736225,22.390890174418416,26.541729282220391,31.52425883418309,33.000369421099478,30.93784633228076,28.875323243462041]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",{"$f":"AA155*INDEX(SelectMortDiagnosisAdj,MATCH($Z109,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":6.4246537136635435},7.8523545389221088,9.9939057768099566,11.803894381368728,14.02376936200643,16.685610544674812,19.854888921659587,23.535602317826712,27.953808562977713,29.262734269415013,26.235554862234149,23.208375455053286]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",{"$f":"AA156*INDEX(SelectMortDiagnosisAdj,MATCH($Z110,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":5.6606417733483951},6.918562167425816,8.8054427585419468,10.400189738049972,12.356079908485826,14.701378202342399,17.493769881497521,20.736777354687199,24.629575931734411,25.782845798452797,24.79119788312769,21.816254137152367]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",{"$f":"AA157*INDEX(SelectMortDiagnosisAdj,MATCH($Z111,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":4.8192841960287307},6.0241052450359129,7.8313368185466867,9.2496642189232361,10.989183187450854,13.075031836066861,15.558513969698417,18.44276232881418,21.904918367934691,22.930607253390306,22.930607253390303,19.803706264291627]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (annual)",{"$f":"(1-(1-AA108/1000)*(1-AA109/1000)*(1-AA110/1000)*(1-AA111/1000))*1000","v":23.735731260434378},{"$f":"(1-(1-AB108/1000)*(1-AB109/1000)*(1-AB110/1000)*(1-AB111/1000))*1000","v":28.930269637068573},37.369049974151245,44.023962999317433,52.139049685170804,61.801994796471526,73.211069104207709,86.331132788014415,101.89666874907732,106.46989030597354,100.85741442520313,90.483850027854757]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"AA159*INDEX(SelectMortDiagnosisAdj,MATCH($Z113,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":18.483822424728917},20.794300227820031,27.725733637093377,29.11749,34.437130000000003,40.784710000000004,48.267200000000003,57.039319999999996,67.119120000000009,76.151579999999996,76.151579999999996,76.151579999999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,{"$f":"AA160*INDEX(SelectMortDiagnosisAdj,MATCH($Z114,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":12.479027586206897},19.134508965517242,24.12612,25.337185555983204,26.340820000000001,31.196060000000003,36.919380000000004,43.62914,51.339129999999997,58.248019999999997,65.798689259259262,69.03469037037037]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,{"$f":"AA161*INDEX(SelectMortDiagnosisAdj,MATCH($Z115,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":11.581542000000002},16.407184500000003,19.302570000000003,20.271506475030165,21.074480000000001,24.959009999999999,29.538070000000001,{"$f":"AH161*INDEX(SelectMortDiagnosisAdj,MATCH($Z115,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":34.90634},41.074869999999997,46.602460000000001,52.816121333333335,55.922952000000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,{"$f":"AA162*INDEX(SelectMortDiagnosisAdj,MATCH($Z116,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":7.1755957894736859},13.454242105263161,17.042040000000004,17.897504021885329,18.606450000000002,22.036060000000003,26.078860000000006,30.818450000000009,36.264590000000005,41.144840000000009,45.158970731707328,47.16603609756099]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,{"$f":"AA163*INDEX(SelectMortDiagnosisAdj,MATCH($Z117,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":9.158651428571428},14.882808571428571,16.027639999999998,16.832183902944134,17.498920000000002,20.72439,24.52655,28.984030000000001,35.811279000000006,38.695750000000004,47.625538461538468,49.609935897435903]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,{"$f":"AA164*INDEX(SelectMortDiagnosisAdj,MATCH($Z118,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":10.161800999999999},13.972476374999998,15.242701499999997,16.007843626739955,17.068639999999995,20.214799999999997,23.923469999999995,28.271339999999991,34.930727999999995,39.631473,50.530128074999993,52.511701724999995]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,{"$f":"AA165*INDEX(SelectMortDiagnosisAdj,MATCH($Z119,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":9.8598219999999976},13.557255249999997,14.789732999999996,15.532137340958595,16.997239999999998,20.130239999999997,23.823389999999996,28.153079999999996,35.7784452,41.345006999999995,55.462814268292675,57.479643878048776]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,{"$f":"AA166*INDEX(SelectMortDiagnosisAdj,MATCH($Z120,$Z$171:$Z$186,0),MATCH(MortDiagGroup,$Z$171:$AD$171,0))","v":9.4111320000000003},11.763915000000001,14.116698,14.825317815868315,17.125070000000001,20.28163,24.002559999999999,28.364799999999999,36.047527199999998,42.602669999999996,59.846607857142857,62.889655714285716]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with no Margin",null,null,null,null,null,null,null,"FEMALES"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",244.34045370657591,244.34045370657591,200.15122271708876,167.76680174097223,105.32372263860245,87.598036742675646,72.846993116364317,60.827086152256442,50.684225948440975,44.099352308246786,33.922578698651371,27.138062958921093]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",183.86342878115636,183.86342878115636,150.61153208669191,126.24262145631543,105.15999690620124,87.461865589935329,72.733752461719718,60.732530443622004,50.605437316528764,44.030799862755835,33.869846048273715,27.09587683861897]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",152.23930544508599,152.23930544508599,126.50871860929682,106.03963755659963,88.330928403965501,73.465081920768469,61.093952741159271,51.013322139902854,42.506897983695843,36.984419405370581,31.29450872762126,25.604598049871939]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",133.39143776088798,133.39143776088798,108.52184766987497,90.963038124080654,75.772133827378269,63.019897101974408,52.407681508517008,43.760303916270686,36.463313822281997,31.726015194761793,25.957648795714196,20.189282396666595]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",116.32834795135882,116.32834795135882,96.574477544524314,80.948749687887215,67.430240029392451,56.081920536838858,46.638023307539299,38.942651444337613,32.449000432070989,28.233239737350022,21.95918646238335,18.822159824900012]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",107.15241908055903,107.15241908055903,88.517215762200934,74.195150975573441,61.804498013742069,51.402975058594457,42.746987369750279,35.693644613934183,29.741762477453193,25.877725016371631,21.564770846976359,17.251816677581086]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (annual)",{"$f":"(1-(1-AA131/1000)*(1-AA132/1000)*(1-AA133/1000)*(1-AA134/1000))*1000","v":420.35178580507682},{"$f":"(1-(1-AB131/1000)*(1-AB132/1000)*(1-AB133/1000)*(1-AB134/1000))*1000","v":420.35178580507682},358.77550440979144,308.55285704951984,262.7904451166001,222.66500016796752,188.05196260087774,159.0092538680029,133.90583383349409,117.31226666293392,97.060480366748408,79.407584864163994]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,429.66174085817704,429.66174085817704,349.77488451771194,294.9756619325106,275.80750528774826,213.53491320013885,174.48271893415503,134.91980442521262,106.49717223863719,86.113116447323804,66.541953618386572,58.713488486811684]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,285.66702684618491,285.66702684618491,214.62030514350678,187.43064731324358,151.5855533759314,117.36014199016937,94.236258830703633,70.367007892933913,54.264603605568553,42.371674824439594,25.893801281601974,21.185837412219797]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,201.0904790273905,201.0904790273905,147.13937489809061,125.54050770956022,99.773445906428691,75.908719835360571,59.896708887473885,44.725376827803451,32.729789095191279,25.408176453568093,19.05613234017607,15.880110283480057]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,143.53752133265243,143.53752133265243,122.22006766938722,93.358117175918551,72.911672120479949,55.471990983570606,42.268108341059573,31.561952375444445,22.696920755387861,17.41565528078052,11.610436853853681,9.2883494830829445]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,114.2336963139104,114.2336963139104,102.04876870709329,75.274018071406516,57.101372088175516,43.191126737532073,31.966130134400917,24.008764802699538,17.265251074441593,13.247861429714984,8.8319076198099893,6.623930714857492]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,95.938153452686137,95.938153452686137,86.653816021781026,63.547184987164705,47.370900953609734,35.623035908654352,25.757970116769382,19.233693155931217,13.831388001626095,10.737323907617638,5.9651799486764654,3.5791079692058796]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,81.5155104896577,81.5155104896577,76.524764949474573,55.147332621098712,40.633331141783053,30.378967248001771,21.966138219068597,16.212401434201144,11.65870812519462,9.050669785987564,3.8788584797089558,1.2929528265696519]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,76.307439103217106,76.307439103217106,69.04006395052977,49.753506245665811,36.234660505764161,27.09035990443704,19.817683705294211,14.207020286725731,10.09830934026666,7.8851083618432884,4.7310650171059727,0]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NAIC Table with no Margin",null,null,null,null,null,null,null,"FEMALES"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",5.856085109395611,7.027302131274733,9.369736175032978,11.06668190208636,13.147914542721773,15.643510376666246,18.614851403964053,22.06568576524257,26.207952843646222,27.435129566734251,25.720433968813364,24.005738370892477]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",7.4461602686414361,8.935392322369724,11.913856429826298,14.071565823522226,16.717905743281101,19.891118939156641,23.669254176049172,28.057077309525901,33.32407462345224,34.884460852026507,32.704182048774854,30.523903245523201]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",7.0439970586389631,8.4527964703667564,11.270395293822343,13.311567935055974,15.814980423965702,18.816810039736225,22.390890174418416,26.541729282220391,31.52425883418309,33.000369421099478,30.93784633228076,28.875323243462041]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",6.4246537136635444,7.8523545389221097,9.9939057768099584,11.80389438136873,14.023769362006432,16.685610544674816,19.85488892165959,23.535602317826715,27.953808562977716,29.262734269415017,26.235554862234153,23.208375455053289]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",5.660641773348396,6.9185621674258169,8.8054427585419486,10.400189738049974,12.356079908485828,14.701378202342401,17.493769881497524,20.736777354687202,24.629575931734415,25.782845798452801,24.791197883127694,21.81625413715237]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",4.8192841960287316,6.0241052450359147,7.8313368185466885,9.2496642189232379,10.989183187450855,13.075031836066865,15.558513969698421,18.442762328814183,21.904918367934695,22.93060725339031,22.930607253390306,19.80370626429163]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (annual)",{"$f":"(1-(1-AA154/1000)*(1-AA155/1000)*(1-AA156/1000)*(1-AA157/1000))*1000","v":23.735731260434378},{"$f":"(1-(1-AB154/1000)*(1-AB155/1000)*(1-AB156/1000)*(1-AB157/1000))*1000","v":28.930269637068573},37.369049974151359,44.023962999317433,52.139049685170804,61.801994796471526,73.211069104207709,86.331132788014415,101.89666874907732,106.46989030597354,100.85741442520313,90.483850027854757]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,18.483822424728917,20.794300227820031,27.725733637093377,29.11749,34.437130000000003,40.784710000000004,48.267200000000003,57.039319999999996,67.119120000000009,76.151579999999996,76.151579999999996,76.151579999999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,12.479027586206897,19.134508965517242,24.12612,25.337185555983204,26.340820000000001,31.196060000000003,36.919380000000004,43.62914,51.339129999999997,58.248019999999997,65.798689259259262,69.03469037037037]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,11.581542000000002,16.407184500000003,19.302570000000003,20.271506475030165,21.074480000000001,24.959009999999999,29.538070000000001,34.90634,41.074869999999997,46.602460000000001,52.816121333333335,55.922952000000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,7.1755957894736841,13.454242105263157,17.04204,17.897504021885325,18.606449999999999,22.036059999999999,26.078859999999999,30.818450000000002,36.264589999999998,41.144840000000002,45.158970731707321,47.166036097560983]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,9.158651428571428,14.882808571428571,16.027639999999998,16.832183902944134,17.498920000000002,20.72439,24.52655,28.984030000000001,35.811279000000006,38.695750000000004,47.625538461538468,49.609935897435903]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,10.161801000000001,13.972476375000001,15.242701500000001,16.007843626739959,17.068639999999998,20.2148,23.923469999999998,28.271339999999999,34.930728000000002,39.631473000000007,50.530128075000007,52.511701725000009]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,9.8598219999999994,13.557255249999999,14.789732999999998,15.532137340958597,16.997240000000001,20.130240000000001,23.82339,28.153079999999999,35.778445200000007,41.345007000000003,55.462814268292682,57.479643878048783]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,9.4111320000000003,11.763915000000001,14.116698,14.825317815868315,17.125070000000001,20.28163,24.002559999999999,28.364799999999999,36.047527199999998,42.602669999999996,59.846607857142857,62.889655714285716]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Death Diagnosis Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Diagnosis Group -->","Unclassified","Low Non-Cancer","High Non-Cancer","Cancer"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",1,0.2,0.5,3.6500000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",1.0000000000000002,0.2,0.5,3.95]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",1,0.2,0.60000000000000009,4.2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",0.99999999999999989,0.25,0.60000000000000009,4.5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",0.99999999999999989,0.30000000000000004,0.65,4.7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",0.99999999999999978,0.35000000000000003,0.75,4.7249999999999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,0.4,0.9,4.75]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1,0.5,1.25,4.6000000000000005]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1,0.60000000000000009,1.35,4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1.0000000000000002,0.65,1.4500000000000002,3.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,1,0.70000000000000007,1.55,3.0500000000000003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,0.99999999999999978,0.70000000000000007,1.6500000000000001,2.6500000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,0.99999999999999989,0.75,1.6,2.3000000000000003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,1,0.75,1.5675000000000001,2.15]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Diagnosis Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Diagnosis Group -->","Unclassified","Low","Medium","High"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year of Dis."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (3rd qtr.)",0.99999999999999978,0.55000000000000004,1.1500000000000001,1.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 (4th qtr.)",0.99999999999999989,0.55000000000000004,1.1500000000000001,1.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",1.0000000000000002,0.60000000000000009,1.1500000000000001,1.4000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (2nd qtr.)",1,0.65,1.1500000000000001,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (3rd qtr.)",1,0.65,1.1500000000000001,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (4th qtr.)",1,0.65,1.1500000000000001,1.375]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,0.65,1.1500000000000001,1.4000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1.0000000000000002,0.67500000000000004,1.125,1.4750000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,1,0.70000000000000007,1.1000000000000001,1.55]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,1,0.70000000000000007,1.1500000000000001,1.4500000000000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,0.99999999999999978,0.70000000000000007,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,1,0.7,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,1,0.70000000000000007,1.2,1.35]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,0.99999999999999989,0.70000000000000007,1.2,1.25]

{"sheet":"Weighted Reserve","index":5,"n_rows":33,"n_cols":14,"rows_kept":33,"cut":false,"hidden":false,"merged":[[50,16,50,17],[51,16,51,17],[52,16,52,17]]}
[]
[]
[]
[]
[]
[]
[]
[null,"Duration",1,"Weighted Reserve",null,{"$f":"N27*N28+N32*N33","v":187.14758006275801}]
[]
[null,"Age Gender Distribution"]
[null,null,27,32,37,42,47,52,57,62,"Total"]
[null,"Male",3860,9728,16609,25171,36447,50545,58882,5296,{"$f":"SUM(C12:J12)","v":206538},"Total"]
[null,"Female",4344,10613,18522,26579,33959,39141,38334,3068,{"$f":"SUM(C13:J13)","v":174560},{"$f":"SUM(K12:K13)","v":381098}]
[null,"Male",{"$f":"C12/$K12","v":1.8689054798632698E-2},4.7100291471787271E-2,8.041619459857266E-2,0.12187103583844135,0.1764663161258461,0.2447249416572253,0.28509039498784727,2.5641770521647348E-2,{"$f":"SUM(C14:J14)","v":1},{"$f":"K12/(K12+K13)","v":0.54195508766773903}]
[null,"Female",2.4885426214482125E-2,6.0798579285059579E-2,0.10610678276810266,0.15226283226397799,0.19454055912007331,0.22422662694775436,0.21960357470210815,1.7575618698441795E-2,{"$f":"SUM(C15:J15)","v":0.99999999999999989},{"$f":"1-L14","v":0.45804491233226097}]
[null,"Male",{"$f":"C12/$L$13","v":1.0128628331820162E-2},2.5526242593768532E-2,4.3581965793575407E-2,6.6048627911980642E-2,9.5636817826385861E-2,0.13262992721032385,0.15450619000886912,1.3896687991015434E-2,0.54195508766773903]
[null,"Female",{"$f":"C13/$L$13","v":1.1398642868763416E-2},2.7848479918551133E-2,4.8601672010873842E-2,6.9743215655815566E-2,8.9108313347223023E-2,0.10270586568284273,0.10058830012227826,8.0504227259130205E-3,0.45804491233226097]
[]
[null,"Input to Assumptions"]
[null,null,null,null,"Female","Male"]
[null,null,"Mortality Factor",null,{"$f":"Assumptions!C37","v":0},{"$f":"Assumptions!A37","v":0}]
[null,null,"Recovery Factor",null,{"$f":"Assumptions!G37","v":0},{"$f":"Assumptions!E37","v":0}]
[]
[null,null,null,null,null,null,"Female",null,null,null,null,null,null,"Fem Avg"]
[null,null,null,null,"Age",27,32,37,42,47,52,57,62]
[null,null,"Mortality @","Recovery @","Column",2,3,4,5,6,7,8,9]
[null,null,{"$f":"E21","v":0},{"$f":"E22","v":0},"Reserve",{"$f":"VLOOKUP(Dur,ResvFact,F26)","v":42.661202158088116},68.381329276417162,92.068396656459981,118.60639162993566,156.2938355129462,188.64498565547186,213.41383672633665,217.9334276848634,{"$f":"SUMPRODUCT(F27:M27,F$28:M$28)/N28","v":156.44903158064781}]
[null,null,null,null,"Weights",{"$f":"C17","v":1.1398642868763416E-2},2.7848479918551133E-2,4.8601672010873842E-2,6.9743215655815566E-2,8.9108313347223023E-2,0.10270586568284273,0.10058830012227826,8.0504227259130205E-3,{"$f":"SUM(F28:M28)","v":0.45804491233226097}]
[]
[null,null,"Mortality @","Recovery @","Age",27,32,37,42,47,52,57,62,"Male Avg"]
[null,null,{"$f":"F21","v":0},{"$f":"F22","v":0},"Column",12,13,14,15,16,17,18,19]
[null,null,null,null,"Reserve",{"$f":"VLOOKUP(Dur,ResvFact,F31)","v":66.09830638227227},87.734983386096204,122.18806032852096,162.19760254553742,206.91288439951043,244.39606000024062,264.20377814541484,253.00286445883739,{"$f":"SUMPRODUCT(F32:M32,F$33:M$33)/N33","v":213.09311368386969}]
[null,null,null,null,"Weights",{"$f":"C16","v":1.0128628331820162E-2},2.5526242593768532E-2,4.3581965793575407E-2,6.6048627911980642E-2,{"$f":"G16","v":9.5636817826385861E-2},0.13262992721032385,0.15450619000886912,1.3896687991015434E-2,{"$f":"SUM(F33:M33)","v":0.54195508766773892}]

{"sheet":"Reserve Factor Tables","index":6,"n_rows":108,"n_cols":20,"rows_kept":108,"cut":false,"hidden":false,"merged":[]}
[]
["Society of Actuaries (\"SOA\") Group Life Experience Committee"]
["Calculation Spreadsheet for Reserve Factors for Group Term Life Waiver of Premium "]
["Tables of Reserve Factors Per Thousand for Group Life Waiver of Premium "]
[]
[]
["Summary of Assumptions",null,null,"DurGrp1","DurGrp2","DurGrp3"]
[null,"Mortality Multiple",null,{"$f":"CompanyMortAdj0","v":0.94447184473909407},{"$f":"CompanyMortAdj25","v":0.96741005284256898},{"$f":"CompanyMortAdj61","v":1.0215743798516734}]
[null,"Recovery Multiple",null,{"$f":"CompanyRecovAdj0","v":1.2511617121946335},{"$f":"CompanyRecovAdj25","v":1.3510443400220946},{"$f":"CompanyRecovAdj61","v":1.0557972805748053}]
[null,"Valuation Interest Rate",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2}]
[null,"Benefit Pattern",null,{"$f":"Benefit_Option","v":5},{"$f":"OFFSET(Assumptions!C48,D11,0)","v":"Pattern 5 - No coverage after age 65"}]
[]
[]
[null,null,null,null,"FEMALES",null,null,null,null,null,null,null,null,null,"MALES"]
[null,"Central Age",null,null,null,null,null,null,null,null,null,"Central Age"]
[]
[null,22,27,32,37,42,47,52,57,62,null,22,27,32,37,42,47,52,57,62]
["Duration","F22","F27","F32","F37","F42","F47","F52","F57","F62","Duration","M22","M27","M32","M37","M42","M47","M52","M57","M62"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":145.45386523706102},"Attained age:",{"$f":"DISAGE+10","v":32},null,null,null,null,null,1,23,1,5236604.3599532172,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":7.9834282755713932},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":190.4759900639956},41806.055315230951,997447.40003552497,19403.395811214981,107056.11148116439,2509449.009065669,42.661202158088116,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,23.25,1,4197350.9046024615,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":7.4163277769211629},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":166.89425966101649},31128.930103288403,700513.77176112565,14332.773286912156,87652.715669949408,1995406.468520507,43.927248434219756,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,23.5,1,3465708.2027380476,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":6.5343871732107655},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":145.54557499959517},22646.279226062834,504418.49314832268,10344.044489489872,73319.942383037254,1634464.8170197741,44.858685007809633,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,23.75,1,2938643.4303636621,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":5.6895977936815214},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":134.06500412262915},16719.699177813789,{"$f":"O20*Q20/1000","v":393969.24360664142},7576.1657267396758,62975.897893547379,1374858.3637222527,45.805371342432842,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,24,1,2527954.4875792069,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.116615082219621},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":580.49206311047999},50853.887372000652,1467457.5159442502,22859.811696248526,55399.732166807706,1173296.5749908022,47.21716004944615,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},25,1,1009643.0842629562,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.510916329447646},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":385.94881975147797},18689.418655397043,389670.55674152996,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":8136.8109187385407},32539.920470559176,453854.20819133648,71.696857456130388,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,26,1,601283.10886602919,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.872475224142782},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":271.68215352228765},9543.8512481715952,163357.88989329894,4024.3156064245686,24403.109551820635,261780.58588576375,93.219707142338294,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,27,1,428381.36772455857,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.744509035058487},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":151.54652468346254},5887.8915791409072,64919.707517805255,2404.5738235327344,20378.793945396064,180633.76919938004,112.81829547000343,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,28,1,357573.76862761239,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.203895936808312},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":120.60762591823473},5436.5143679465909,43126.123324812492,2150.3482044422681,17974.220121863331,146030.63124836973,123.08527305680597,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,29,1,309011.13093485328,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.273923887782781},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":101.29124151871439},4410.8013634417748,31300.121095493298,1689.7236796905695,15823.871917421064,122225.65518748286,129.46440657772467,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,30,1,273300.20847591816,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.849744624509592},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":86.063854299647616},3785.1380932166981,23521.269322334741,1404.396887578441,14134.148237730495,104697.94395043477,134.99929133681715,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,31,1,245993.80106036674,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.0177141707528},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":80.565186692804161},2956.2831889205145,19818.536507700974,1062.3413920402834,12729.751350152053,91270.891593595297,139.47219237031462,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,32,1,223218.98136374523,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":12.1435785774949},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":72.454085378026988},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":2710.6772401790099},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":16173.127133725011},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":943.42160672740988},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":11667.40995811177},80213.818581556392,{"$f":"U29/V29*1000","v":145.45386523706108},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":33},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":204335.17698984122},12.1435785774949,71.559590496816782,2481.3602779224643,14622.141589487615,836.42648200785072,10723.98835138436,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":71116.626549738212},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,34,1,187231.67512243113,12.1435785774949,70.676138762288176,2273.6625590452395,13232.811851648601,742.29049372020927,9887.5618693765082,63112.774366731996,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
[null,null,null,null,null,null,null,null,null,null,null,13,35,1,171725.20071173727,13.492865086105443,69.803593839296965,2317.064965087849,11987.036162453858,732.64913085422995,9145.2713756562989,56063.721291186201,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Females'!AA38","v":230.04288236380759},{"$f":"'2023 Rates - Females'!AB38","v":230.04288236380759},{"$f":"'2023 Rates - Females'!AC38","v":188.43938236184238},{"$f":"'2023 Rates - Females'!AD38","v":157.94993441322256},{"$f":"'2023 Rates - Females'!AE38","v":131.57216178354508},{"$f":"'2023 Rates - Females'!AF38","v":109.42893750324036},{"$f":"'2023 Rates - Females'!AG38","v":91.001686264345864},{"$f":"'2023 Rates - Females'!AH38","v":75.986216775754798},{"$f":"'2023 Rates - Females'!AI38","v":63.315585599306317},{"$f":"'2023 Rates - Females'!AJ38","v":55.089650945584815},{"$f":"'2023 Rates - Females'!AK38","v":42.376654573526771},{"$f":"'2023 Rates - Females'!AL38","v":33.901323658821418},{"$f":"'2023 Rates - Females'!AM38","v":{"$error":"#N/A"}},null,42,5,null,52,45.946913363269388,{"$f":"'2023 Rates - Females'!AT38","v":24.639625958885471},{"$f":"'2023 Rates - Females'!AU38","v":21.307287404383921}]
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[null,null,null,null,null,null,null,null,null,null,null,96,118,0,8.0380246346467583E-3,510.78718992583674,0,4.1057200156858686E-3,0,0,0,1.8455346950647459E-4]
[null,null,null,null,null,null,null,null,null,null,null,97,119,0,3.9323046189608897E-3,510.78718992583674,0,2.0085708262514213E-3,0,0,0,8.7443991696076342E-5]
[null,null,null,null,null,null,null,null,null,null,null,98,120,0,1.9237337927094683E-3,510.78718992583674,0,9.8261857814344153E-4,0,0,0,4.143217520749568E-5]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":22},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":2285278.4222516492}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":55.577393330810018},null,null,null,null,null,null,null,0.5,27.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":8.8494520099520191},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":250.42154651256212},{"$f":"O15*P15/1000","v":88494.520099520189},{"$f":"O15*Q15/1000","v":2504215.4651256213},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":35567.19852980358},{"$f":"U16+T15","v":234350.85640969555},4149763.447581124,56.473304893149383,null,null,"4",{"$f":"AA39+AA62","v":398.02115648807427},404.45973608092561,313.30139954203594,277.73856321683087,230.28117798578586,188.73813763308769,163.03354347479419,137.27621637091428,122.97987603103748,113.59573155499081,98.637987116436989,95.407859183578296,{"$error":"#N/A"},null,25,2,null,35,83.296458925402405,{"$f":"'2023 Rates - Females'!AT21","v":69.803593839296965},{"$f":"'2023 Rates - Females'!AU21","v":13.492865086105443}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":65.188427251098062},null,null,null,null,null,null,null,0.75,27.75,1,{"$f":"O15-R15-S15","v":7407290.014774858},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.252301960234762},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":188.43938236184238},{"$f":"O16*P16/1000","v":83349.063953278514},{"$f":"O16*Q16/1000","v":1395825.1553592165},33232.383612821272,{"$f":"U17+T16","v":198783.65787989198},3049370.360082488,{"$f":"U16/V16*1000","v":65.188427251098062},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":175.47442222613927},"Attained age:",{"$f":"DISAGE+10","v":37},null,null,null,null,null,1,28,1,5928115.7954623625,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":10.644571034095193},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":158.28286498275693},63102.24968314085,938319.15205531789,24959.339775213604,165551.27426707072,2421001.1127140345,68.381329276417162,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,28.25,1,4926694.3937239042,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.4389626251723886},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":135.77838074116596},46502.884248006267,668938.58718641207,18247.174503326347,140591.93449185713,1996004.0549837826,70.43669783175838,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,28.5,1,4211252.922289486,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":8.3164927659046093},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":120.83028867890923},35022.854463615156,508846.90630013874,13633.104377284368,122344.75998853077,1692562.0770398162,72.283765333147485,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,28.75,1,3667383.1615257324,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":7.3964771317859768},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":110.74935123173712},27125.715687722033,{"$f":"O20*Q20/1000","v":406160.30585717183},10474.948844172965,108711.6556112464,1462234.5866696497,74.346248271178879,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,29,1,3234097.1399808386,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":26.822153442959497},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":472.5613780095365},86745.449738002513,1528309.4010860459,33231.113453120219,98236.70676707344,1279208.4242345907,76.794918565247087,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},30,1,1619042.2891567904,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.339851024086162},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":289.96154851794978},37788.205830614919,469460.00927994912,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":14020.529066243203},65005.593313953221,620235.1611395044,104.8079783070087,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,31,1,1111794.0740462262,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.673500263697388},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":198.79181965045439},20761.0869348794,221015.56705624133,7460.5038100976471,50985.064247710019,412508.10373783775,123.59772762212855,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,32,1,870017.42005510547,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.409711444407417},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":129.03961507700771},15146.752234767186,112266.71299420214,5271.6616785709111,43524.560437612374,312641.06246131589,139.21575142739866,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,33,1,742603.95482613612,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.373426393485872},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":107.74281248695635},12158.971193857247,80010.238656904592,4098.5928528797867,38252.898759041462,258455.19556505227,148.00591907394386,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,34,1,650434.74497537431,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.571553332126669},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":91.488863307225898},10128.279320452251,59507.535473322358,3306.6144434694443,34154.305906161673,219251.04965850737,155.77716028889452,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,35,1,580798.93018159969,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.108812317646827},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":80.794638730281434},8775.182030403852,46925.439738956295,2774.6867630098086,30847.69146269223,189615.43916072854,162.68554712226793,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,36,1,525098.30841223954,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.421257004903358},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":72.892311769679964},7572.5776584529131,38275.629606516522,2319.0574292525948,28073.00469968242,166034.54157215127,169.07930382355491,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,37,1,479250.10114727012,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":13.492865086105443},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":68.090687482319865},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":6466.456957282503},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":32632.468863088954},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":1917.9801079726658},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":25753.947270429824},146767.52853039693,{"$f":"U29/V29*1000","v":175.47442222613935},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":38},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":440151.17532689869},13.910170191861281,63.119506897920289,6122.5777589449353,27782.125147173905,1758.8222730422945,23835.967162457157,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":130550.81080019318},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,39,1,406246.47242077987,14.340381641094105,58.51126340986194,5825.729454862194,23769.994357139465,1620.8689361638808,22077.144889414863,116701.71816023742,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
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[null,null,null,null,null,null,null,null,null,null,null,30,57,1,151522.06992680163,24.812441066388644,18.653720456728422,3759.6324303159845,2826.4503354394142,588.19575798383494,4066.1632303159536,24476.113353513811,null,null,null,null,null,"            (d)",null,null,null,null,null,null,null,null,null,null,null,null,59,8,null,69,47.13148257389792,{"$f":"'2023 Rates - Females'!AT55","v":7.2641542019220235},{"$f":"'2023 Rates - Females'!AU55","v":39.867328371975894}]
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[null,null,null,null,null,null,null,null,null,null,null,94,121,0,3.1225189181015413E-3,1000,0,3.1225189181015413E-3,0,0,0,6.5134004305286979E-5]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,98,"               *"," "," "," "," "," "," "," "," "," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":27},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":1260252.66609782}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":77.376544802910004},null,null,null,null,null,null,null,0.5,32.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":10.45216947120425},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":209.90339891565239},{"$f":"O15*P15/1000","v":104521.69471204252},{"$f":"O15*Q15/1000","v":2099033.9891565237},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":35800.52716869142},{"$f":"U16+T15","v":278052.88284038234},3536494.9261021749,78.623860248781526,null,null,"4",{"$f":"AA39+AA62","v":398.02115648807427},404.45973608092561,313.30139954203594,277.73856321683087,230.28117798578586,188.73813763308769,163.03354347479419,137.27621637091428,122.97987603103748,113.59573155499081,98.637987116436989,95.407859183578296,{"$error":"#N/A"},null,25,2,null,35,83.296458925402405,{"$f":"'2023 Rates - Females'!AT21","v":69.803593839296965},{"$f":"'2023 Rates - Females'!AU21","v":13.492865086105443}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":88.566789738400956},null,null,null,null,null,null,null,0.75,32.75,1,{"$f":"O15-R15-S15","v":7796444.3161314335},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.290197731709629},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":157.94993441322256},{"$f":"O16*P16/1000","v":103616.2865656504},{"$f":"O16*Q16/1000","v":1231447.8683893017},35207.767510114878,{"$f":"U17+T16","v":242252.35567169092},2735250.4972487977,{"$f":"U16/V16*1000","v":88.566789738400956},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":205.34488364854511},"Attained age:",{"$f":"DISAGE+10","v":42},null,null,null,null,null,1,33,1,6461380.1611764813,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.572401123992089},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":132.67273448581358},81235.063200915378,857248.9745356706,27383.028064637303,207044.58816157604,2248812.7922345954,92.068396656459981,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,33.25,1,5522896.123439895,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.14844590147675},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":113.80947052575047},61571.708651645327,628557.88357741432,20589.539785658759,179661.56009693875,1906875.632403319,94.217764936512083,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,33.5,1,4832766.531210836,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.8226863875326522},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":101.27997625951177},47470.750020248073,489462.47954879655,15747.768148713731,159072.02031127998,1655307.9241320612,96.098144636555944,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,33.75,1,4295833.3016417921,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":8.7360474280636211},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":92.830132131137802},37528.603466197834,{"$f":"O20*Q20/1000","v":398782.77300474956},12350.450719678654,143324.25216256626,1459680.7621607322,98.188765569813114,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,34,1,3859521.9251708444,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.168552539542976},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":398.5251984981893},108717.14612669298,1538116.7413368244,35493.263392665729,130973.80144288762,1300982.5194774433,100.67299097569349,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},35,1,2212688.0377073269,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.511448017595686},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":253.22711519923519},54236.187815418954,560312.60862448288,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":17149.323157759161},95480.53805022189,722383.93046691874,132.17422761398811,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,36,1,1598139.241267425,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.610859150207411},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":169.61079238450145},31340.883562914813,271061.66305213392,9597.961505853611,78331.214892462725,505326.93029356858,155.010964578825,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,37,1,1295736.6946523762,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.283631572050336},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":98.567246233918823},23690.77233941033,127717.19783612485,7026.7892278051058,68733.253386609111,396811.75203724438,173.21375446601661,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,38,1,1144328.724476841,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.195327832199474},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":79.474103577729736},19677.107565181948,90944.499576043818,5652.6084955195256,61706.46415880401,339413.02710699069,181.80346430649149,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,39,1,1033707.1173356152,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.353202925749432},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":67.092945097632594},16904.422255580794,69354.454870430491,4703.2484309754836,56053.855663284485,296951.24722850841,188.7645065863293,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,40,1,947448.24020960391,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.867233571860798},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":58.224403812310271},15033.38252465426,55164.608929226721,4051.0185770758012,51350.607232309005,263604.65810803912,194.80159266101742,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,41,1,877250.24875572289,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.145164853849639},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":52.529616593235545},13286.099635486027,46081.619223458634,3467.4880352865716,47299.588655233201,236391.04829706519,200.09043910915483,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,42,1,817882.52989677829,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":15.712507810677105},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":46.60871297618268},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":12850.98563921948},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":38120.452084193086},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":3248.357682503382},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":43832.100619946628},213456.01527120001,{"$f":"U29/V29*1000","v":205.34488364854508},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":43},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":766911.09217336564},16.198461660491859,43.664337215150027,12422.7799235762,33486.664542696839,3041.2781170488952,40583.742937443247,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":193852.95478469759},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,44,1,721001.64770709269,16.699445010816355,40.720836182164334,12040.327368592581,29359.789983351082,2854.8650276359645,37542.464820394351,176511.74270312089,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
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[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,98,"               *"," "," "," "," "," "," "," "," "," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":32},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":734331.96196192387}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":108.43537890841768},null,null,null,null,null,null,null,0.5,37.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.417835102636396},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":131.77700915122648},{"$f":"O15*P15/1000","v":124178.35102636395},{"$f":"O15*Q15/1000","v":1317770.0915122647},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":36247.542344435875},{"$f":"U16+T15","v":332076.97879556817},3013857.6620883234,110.18336498528257,null,null,"4",{"$f":"AA39+AA62","v":398.02115648807427},404.45973608092561,313.30139954203594,277.73856321683087,230.28117798578586,188.73813763308769,163.03354347479419,137.27621637091428,122.97987603103748,113.59573155499081,98.637987116436989,95.407859183578296,{"$error":"#N/A"},null,25,2,null,35,83.296458925402405,{"$f":"'2023 Rates - Females'!AT21","v":69.803593839296965},{"$f":"'2023 Rates - Females'!AU21","v":13.492865086105443}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":115.61555413591849},null,null,null,null,null,null,null,0.75,37.75,1,{"$f":"O15-R15-S15","v":8558051.5574613716},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.789591277531001},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":131.57216178354508},{"$f":"O16*P16/1000","v":135128.13622435267},{"$f":"O16*Q16/1000","v":1126001.3440702276},39129.64871055157,{"$f":"U17+T16","v":295829.43645113229},2558733.8888965845,{"$f":"U16/V16*1000","v":115.61555413591849},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":217.75228522097939},"Attained age:",{"$f":"DISAGE+10","v":47},null,null,null,null,null,1,38,1,7296922.077166792,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.936803735535547},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":110.51627562164708},108992.69294013675,806428.65146984672,31310.141494226835,256699.78774058071,2164299.7836196795,118.60639162993566,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,38.25,1,6381500.7327568084,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.245055319529801},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":94.803192696103494},84523.33022698389,604986.64365786931,24087.500244326635,225389.64624635386,1877707.823960236,120.03446083054021,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,38.5,1,5691990.7588719549,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.669969584911264},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":84.366134568869768},66425.359033631699,480211.25832775451,18779.175796819236,201302.14600202724,1661486.6790471836,121.1578452843621,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,38.75,1,5145354.1415105686,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":10.378974117227546},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":77.327421556203348},53403.497458707752,{"$f":"O20*Q20/1000","v":397876.96875654452},14977.516350468228,182522.970205208,1489962.8284254069,122.50169381614594,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,39,1,4694073.6752953166,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":33.314825753046421},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":372.62816895462623},156382.24656442567,1749144.0785634064,43509.594392895509,167545.45385473978,1348458.3873759762,124.24962863019731,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},40,1,2788547.350167485,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.482374068116599},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":204.79880391766926},71058.806683623174,571091.16198208695,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":19148.088959228811},124035.85946184429,775846.1514439648,159.87172099906039,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,41,1,2146397.3815017748,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.387663810429665},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":134.79834937638111},43760.028217644729,289330.82413222583,11420.761429728285,104887.77050261547,578385.84576630511,181.34567308376879,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,42,1,1813306.5291519039,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.007872619991172},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":76.979945146964582},34467.099527117702,139588.23714874632,8712.2864102213407,93467.009072887187,473247.89566891099,197.5011615017886,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,43,1,1639251.1924760398,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.876448347074046},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":60.287473367785786},29303.989270177462,98826.312609510336,7174.0449285823406,84754.722662665852,414355.31515820656,204.54600088888768,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,44,1,1511120.8905963521,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.436885322911461},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":50.014068405199609},26349.241678384427,75577.303590812109,6247.6315028252175,77580.677734083511,369944.48304314225,209.70897334624178,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,45,1,1409194.3453271557,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.363944912190057},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":42.900560520190098},24469.17298283046,60455.227296417303,5619.2262160867276,71333.046231258297,334132.08216506481,213.48756985274767,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,46,1,1324269.9450479078,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.494532765166497},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.256456024537094},23167.483943565861,50661.87491734144,5152.8326177187573,65713.820015171572,304112.13315670291,216.0841770206865,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,47,1,1250440.5861870006,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":18.297292689513501},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":32.083364795637969},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":22879.677396310381},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":40118.341481908923},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":4928.6389044889065},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":60560.987397452809},278118.72254747775,{"$f":"U29/V29*1000","v":217.75228522097939},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":48},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":1187442.5673087812},18.863188339704642,29.325238664276704,22398.952789727944,34822.036686451465,4673.2041995695163,55632.348492963902,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":255793.62561414554},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,49,1,1130221.577832602,19.446585917221281,28.190123873940625,21978.951018819094,31861.086284101675,4441.2369537693639,50959.144293394384,235803.71250184468,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
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[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":37},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":465518.0902602367}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":153.36467824607686},null,null,null,null,null,null,null,0.75,42.75,1,{"$f":"O15-R15-S15","v":8756258.3526050039},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.786601798390009},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":109.42893750324036},{"$f":"O16*P16/1000","v":164500.3389142167},{"$f":"O16*Q16/1000","v":958188.04802943929},40595.384358799914,{"$f":"U17+T16","v":342171.50160595396},2231097.1829962865,{"$f":"U16/V16*1000","v":153.36467824607686},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":206.47693350368976},"Attained age:",{"$f":"DISAGE+10","v":52},null,null,null,null,null,1,43,1,7633569.9656613469,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.771947290334779},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":91.916697682507703},135663.40306681613,701652.5427719648,33212.384149901111,301576.11724715406,1929545.821544406,156.2938355129462,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,43.25,1,6796254.0198225658,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.7590893717271},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":78.848082360435924},107102.77449134339,535871.59669741336,26011.509255176108,268363.73309725296,1704215.43227951,157.47054510490923,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,43.5,1,6153279.6486338088,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.885037790973431},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":70.167551722034688},85438.520459708161,431760.56800565618,20584.770739182673,242352.22384207684,1530696.2867629386,158.32809286719746,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,43.75,1,5636080.5601684451,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.348999438232452},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":64.313434286209073},69599.955671352975,{"$f":"O20*Q20/1000","v":362475.69673817372},16635.228217793574,221767.45310289416,1390871.6427417935,159.44494537664815,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,44,1,5204004.9077589177,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.455538456268854},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":288.49513587615684},205326.81576469383,1501330.102964096,48684.751470424271,205132.22488510059,1274016.4717033894,161.01222350040268,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},45,1,3497347.9890301283,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.179382053079955},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":158.55875558000773},105547.80113351112,554535.14497085963,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":24238.537673336927},156447.47341467632,829251.24522774376,188.66112570227125,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,46,1,2837265.0429257574,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.145597182998205},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":102.5560462918868},68507.458827887443,290978.68508464616,15237.194909264259,132208.9357413394,651564.07706880441,202.91010568923414,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,47,1,2477778.8990132236,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.511474328874268},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":58.56717722852396},55778.45607776253,145116.51591160442,12015.548291844312,116971.74083207514,551099.11639224237,212.25172995708638,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,48,1,2276883.9270238569,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.171505862054222},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":45.601074154448114},48205.061408202622,103828.35279728593,10057.260155333139,104956.19254023083,490476.26456240733,213.98832139995713,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,49,1,2124850.5128183682,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.650921773825605},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":37.610704438175901},43880.121721285344,79917.124612918138,8866.7570148186733,94898.932384897693,443318.061928057,214.06511607528,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,50,1,2001053.2664841646,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.564537444265348},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":32.074031007111344},41150.734826583088,64181.844516094534,8053.497311561533,86032.175370079014,404348.31061595696,212.7674905801471,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,51,1,1895720.6871414869,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.719193589631097},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.601928316897364},39277.803908752954,54221.267202480223,7444.9890021950969,77978.678058517486,371006.28996552096,210.18155262479334,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,52,1,1802221.6160302537,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":21.307287404383921},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":24.639625958885471},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":38400.453939149855},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":44406.066514003563},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":7049.5786610218229},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":70533.689056322386},341605.65957389114,{"$f":"U29/V29*1000","v":206.47693350368971},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":53},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":1719415.0955771003},21.966275674622597,23.431680054961049,37769.145988554148,40288.784401232886,6715.4312483825197,63484.110395300559,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":315651.26772789063},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,54,1,1641357.1651873132,22.645645025384123,22.222924671261609,37169.591722702666,36475.756640593157,6400.8031730245248,56768.679146918039,291836.65418846777,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
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[null,null,null,null,null,null,null,null,null,null,null,83,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,84,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":42},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":310288.46626978484}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":187.58005815807257},null,null,null,null,null,null,null,0.75,47.75,1,{"$f":"O15-R15-S15","v":8912754.2831925303},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.354944155251673},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":91.001686264345864},{"$f":"O16*P16/1000","v":199244.12427024916},{"$f":"O16*Q16/1000","v":811075.66903029149},41902.996616565717,{"$f":"U17+T16","v":363034.76754837681},1935359.0734173332,{"$f":"U16/V16*1000","v":187.58005815807257},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":166.12781496749403},"Attained age:",{"$f":"DISAGE+10","v":57},null,null,null,null,null,1,48,1,7902434.4898919892,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.147565348383417},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":76.438414516366876},167117.24978630981,604049.56322679808,34866.497592692875,321131.77093181107,1702307.4841666024,188.64498565547186,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,48.25,1,7131267.6768788807,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.75238356692963},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":65.570484528347166},133728.26679527995,467600.67687428888,27678.193726092497,286265.27333911823,1523952.1376145573,187.84400525019726,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,48.5,1,6529938.733209311,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.522373111419167},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":58.351709094834092},107890.08414479207,381033.08536731917,22152.540822895291,258587.07961302574,1384334.9405922468,186.79516931241864,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,48.75,1,6041015.5636971993,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.69457839036003},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":53.483393908699128},88770.176758133486,{"$f":"O20*Q20/1000","v":323094.01500179939},18081.588580703712,236434.53879013043,1270484.9172007556,186.09787144192461,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,49,1,5629151.3719372666,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.694174502562845},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":235.73388984765612},262848.57646257977,1326981.7494480419,53113.217734173893,218352.95020942672,1174437.6658275572,185.92127667803146,null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},50,1,4039321.0460266448,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.716179356714889},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":127.3173641180793},144269.11495924086,514275.70840679528,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":28234.512320665715},165239.73247525282,816216.47377035429,202.44596597267855,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,51,1,3380776.2226606086,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.575425859567503},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":80.923109528372677},96607.120298426889,273582.92455728253,18311.58762914559,137005.22015458712,661642.43080781796,207.06837073207893,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,52,1,3010586.1778048989,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":26.641495231738617},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":44.626553841531944},80206.517300727399,134352.08615838218,14724.36116859621,118693.63252544153,570647.50962115766,207.9981609036374,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,53,1,2796027.5743457894,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.05569510615106},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":33.749753266400816},70056.414411199206,94365.240760223547,12456.17347633897,103969.27135684532,513296.44058299018,202.55209881985434,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,54,1,2631605.9191743666,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.439604029150107},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":27.195194802412214},64315.406625389121,71567.035615127956,11075.458182950952,91513.09788050635,467904.90387067565,195.58054878988759,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,55,1,2495723.4769338495,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.337364865214553},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.191788996422922},60739.33286082097,57880.29227046881,10130.401054669017,80437.639697555394,429776.97654916398,187.16135132090724,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,56,1,2377103.8518025596,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.520400346852583},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.923456563341254},58287.538112244089,49737.229189742044,9415.4758486452847,70307.238642886383,396464.93027076928,177.3353284863542,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,57,1,2269079.0845005736,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":24.812441066388644},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":18.653720456728422},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":56301.391059145579},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":42326.766936482949},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":8808.3715638113936},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":60891.762794241098},366535.62683741841,{"$f":"U29/V29*1000","v":166.12781496749406},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":58},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":2170450.9265049449},25.579836150916126,17.501575233937753,55519.779073600592,37986.310181796194,8412.6761315625063,52083.391230429705,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":339567.77731460164},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
[null,null,null,null,null,null,null,null,null,null,null,12,59,1,2076944.8372495482,26.370965104037243,16.376357698469231,54771.039826118147,34012.791574787567,8037.9882382278201,43670.7150988672,314710.62296084355,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Females'!AA37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AB37","v":305.70942041793302},{"$f":"'2023 Rates - Females'!AC37","v":250.42154651256212},{"$f":"'2023 Rates - Females'!AD37","v":209.90339891565239},{"$f":"'2023 Rates - Females'!AE37","v":131.77700915122648},{"$f":"'2023 Rates - Females'!AF37","v":109.59930963585445},{"$f":"'2023 Rates - Females'!AG37","v":91.143368635701037},{"$f":"'2023 Rates - Females'!AH37","v":76.104521258067635},{"$f":"'2023 Rates - Females'!AI37","v":63.41416291891106},{"$f":"'2023 Rates - Females'!AJ37","v":55.175421140660404},{"$f":"'2023 Rates - Females'!AK37","v":42.442631646661845},{"$f":"'2023 Rates - Females'!AL37","v":33.954105317329464},{"$f":"'2023 Rates - Females'!AM37","v":{"$error":"#N/A"}},null,41,5,null,51,46.508112599292346,{"$f":"'2023 Rates - Females'!AT37","v":25.840043817039941},{"$f":"'2023 Rates - Females'!AU37","v":20.668068782252401}]
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[null,null,null,null,null,null,null,null,null,null,null,83,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,84,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":47},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":210169.6977413483}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Mortality Rate Factor:",null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},null,"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age","Col.",null,"Age","Rate","Rate","Rate"]
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[null,null,null,null,null,null,null,null,null,null,null,6,58,1,3319281.138574305,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.609342472852298},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.348388588650266},98281.731995725713,84138.428135558977,14892.213094598035,82477.05692027272,519302.65031283081,158.8227151750296,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,59,1,3136860.9784430205,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.881276628075799},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.306880929442421},90596.549662229387,63699.862381456667,13295.602985097352,67584.843825674689,475315.21057376551,142.18952459798464,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,60,1,2982564.566399334,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.760465241914545},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.117009345816641},85779.944543693971,51052.585557558952,12192.480820673281,54289.240840577331,437709.7637836106,124.03022580829646,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
[null,null,null,null,null,null,null,null,null,null,null,9,61,1,2845732.0362980808,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.976752969616747},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.999733383796116},82460.074233533916,42685.221826198424,11351.675845638483,42096.760019904053,404483.0462167809,104.07546228116192,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
[null,null,null,null,null,null,null,null,null,null,null,10,62,1,2720586.7402383485,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":28.894209759724731},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":13.201055401199836},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":78609.203941972577},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":35914.616281656112},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":10480.924622468227},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":30745.084174265568},374523.29593669914,{"$f":"U29/V29*1000","v":82.091246413312604},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,47.636709791161906,{"$f":"'2023 Rates - Females'!AT35","v":28.190123873940625},{"$f":"'2023 Rates - Females'!AU35","v":19.446585917221281}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":63},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":2606062.9200147199},30.467934876142433,12.219761511526073,79401.355330138074,31845.467366611127,10253.309209236171,20264.15955179734,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":347465.02516736108},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
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[null,null,null,null,null,null,null,null,null,null,null,13,65,0,2386628.9461727976,33.719575479978921,10.386189942690498,80476.1148931762,24787.981557673931,0,0,298490.82222264603,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Females'!AA38","v":230.04288236380759},{"$f":"'2023 Rates - Females'!AB38","v":230.04288236380759},{"$f":"'2023 Rates - Females'!AC38","v":188.43938236184238},{"$f":"'2023 Rates - Females'!AD38","v":157.94993441322256},{"$f":"'2023 Rates - Females'!AE38","v":131.57216178354508},{"$f":"'2023 Rates - Females'!AF38","v":109.42893750324036},{"$f":"'2023 Rates - Females'!AG38","v":91.001686264345864},{"$f":"'2023 Rates - Females'!AH38","v":75.986216775754798},{"$f":"'2023 Rates - Females'!AI38","v":63.315585599306317},{"$f":"'2023 Rates - Females'!AJ38","v":55.089650945584815},{"$f":"'2023 Rates - Females'!AK38","v":42.376654573526771},{"$f":"'2023 Rates - Females'!AL38","v":33.901323658821418},{"$f":"'2023 Rates - Females'!AM38","v":{"$error":"#N/A"}},null,42,5,null,52,45.946913363269388,{"$f":"'2023 Rates - Females'!AT38","v":24.639625958885471},{"$f":"'2023 Rates - Females'!AU38","v":21.307287404383921}]
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[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":52},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":143921.8637785051}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
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{"sheet":"F-57","index":14,"n_rows":243,"n_cols":47,"rows_kept":243,"cut":false,"hidden":false,"merged":[]}
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,null,null,null,null,null,null,null,null,null,null,9,66,0,3156817.6974279894,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":36.825230244526324},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":10.661767539856694},116250.53854778114,33657.256455682887,0,0,382389.11471944954,0,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,48.188427003981346,{"$f":"'2023 Rates - Females'!AT34","v":29.325238664276704},{"$f":"'2023 Rates - Females'!AU34","v":18.863188339704642}]
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[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":68},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":0},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":2869575.3944460582},38.45898593191238,7.9755405906586176,110360.95972556288,22886.415036359751,0,0,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":326057.00681670144},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,47.073971181371334,{"$f":"'2023 Rates - Females'!AT36","v":27.025944462586505},{"$f":"'2023 Rates - Females'!AU36","v":20.048026718784829}]
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[null,null,null,null,null,null,null,null,null,null,null,17,74,{"$f":"IF($M36<>\"               *\",VLOOKUP(TRUNC(M36),DBTABLE,DBOPT+1),\" \")","v":0},2124124.6556122224,51.339792541098568,3.6486316019609792,109052.11915056394,7750.1483449712359,0,0,199212.01838666372,null,null,null,"2 (4th qtr.)",{"$f":"'2023 Rates - Females'!AA42","v":134.06500412262915},{"$f":"'2023 Rates - Females'!AB42","v":134.06500412262915},{"$f":"'2023 Rates - Females'!AC42","v":110.74935123173712},{"$f":"'2023 Rates - Females'!AD42","v":92.830132131137802},{"$f":"'2023 Rates - Females'!AE42","v":77.327421556203348},{"$f":"'2023 Rates - Females'!AF42","v":64.313434286209073},{"$f":"'2023 Rates - Females'!AG42","v":53.483393908699128},{"$f":"'2023 Rates - Females'!AH42","v":44.65852150963665},{"$f":"'2023 Rates - Females'!AI42","v":37.211754464976437},{"$f":"'2023 Rates - Females'!AJ42","v":32.37721873918543},{"$f":"'2023 Rates - Females'!AK42","v":26.981015615987857},{"$f":"'2023 Rates - Females'!AL42","v":21.584812492790284},{"$f":"'2023 Rates - Females'!AM42","v":{"$error":"#N/A"}},null,46,6,null,56,43.896220338711728,{"$f":"'2023 Rates - Females'!AT42","v":19.82815250431474},{"$f":"'2023 Rates - Females'!AU42","v":24.068067834396984}]
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[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":57},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":98234.539618963303}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
[null,"Age at Disability:",null,62,null,null,null,null,null,null,null,"Age at Disability:",null,null,{"$f":"DISAGE","v":62},null,"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2},null,null,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,"Dis",null,null,"Att","Term.","Recov","Death"]
[null,"Mortality Rate Factor:",null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},null,"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age","Col.",null,"Age","Rate","Rate","Rate"]
[null,"Recovery Rate Factor:",null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},null,"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"},null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,0,null,27,{"$f":"AT7+AU7","v":87.891391276900308},{"$f":"'2023 Rates - Females'!AT13","v":77.097099208015948},{"$f":"'2023 Rates - Females'!AU13","v":10.794292068884355}]
[null,"Valuation Interest Rate:",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2},null,null,null,null,null,null,null,"Reserve at duration 3/4:",null,null,{"$f":"$W$16","v":162.29257667250607},null,"   Death Benefit Option:",null,null,{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA31+AA54","v":311.24032792415301},312.34650942539702,259.27099852251416,220.35556838685665,144.19484425386287,124.37416473949958,108.72457168074709,96.944940198199447,88.166836487984796,81.087128573209966,66.734857364677055,56.626849320810337,{"$error":"#N/A"},null,18,0,null,28,{"$f":"AT8+AU8","v":86.939575237295159},{"$f":"'2023 Rates - Females'!AT14","v":76.145283168410799},{"$f":"'2023 Rates - Females'!AU14","v":10.794292068884355}]
[null,"Sex (1=Male,2=female):",null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA33+AA56","v":197.12884696030508},198.45941833956698,168.92743601685214,145.24513560980566,125.45307935718263,109.68864497284248,97.5859798647503,88.893831491041595,82.956778156517089,77.4414092919653,68.374415919644349,59.307422547323398,{"$error":"#N/A"},null,19,0,null,29,85.999510012993795,{"$f":"'2023 Rates - Females'!AT15","v":75.205217944109435},{"$f":"'2023 Rates - Females'!AU15","v":10.794292068884355}]
[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",172.96216420577016,174.31058743793764,145.21734336633835,124.95791642722722,108.04824801563329,94.607171732163025,84.322868095276789,76.979930512202245,72.023087295135639,67.332204109735429,57.255959210280736,47.179714310826043,{"$error":"#N/A"},null,20,1,null,30,86.420337040812854,{"$f":"'2023 Rates - Females'!AT16","v":74.276758463317961},{"$f":"'2023 Rates - Females'!AU16","v":12.1435785774949}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",150.8918917776767,152.07996217280595,129.14678144481383,111.10266264704443,96.036104153781025,84.052589513008115,74.874082206253263,68.308856820621557,63.860887954981138,59.675520504472729,50.889081730646303,44.15440350393613,{"$error":"#N/A"},null,21,1,null,31,85.50334002274721,{"$f":"'2023 Rates - Females'!AT17","v":73.359761445252317},{"$f":"'2023 Rates - Females'!AU17","v":12.1435785774949}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",138.61668235757438,139.75460191631066,118.14582836352309,101.56617955920143,87.70639567343089,76.662433724441527,68.177972299059164,62.077191268416449,57.900333124798976,54.03453167278262,48.638328549585047,40.288855480896949,{"$error":"#N/A"},null,22,1,null,32,84.597663955521881,{"$f":"'2023 Rates - Females'!AT18","v":72.454085378026988},{"$f":"'2023 Rates - Females'!AU18","v":12.1435785774949}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":62},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":234434.00918079502},{"$f":"O13*(1+IRATE)^(-M13)","v":1376626.9253517254},{"$f":"U13/V13*1000","v":170.29596389806017},null,null,"2 (annual)",523.42481772966323,528.33636974120896,466.61523877642804,414.97075245089275,369.07651672450817,330.68046288331891,300.07150583069119,277.48112577396455,261.77532473236374,245.87941317031971,215.760226375738,184.21747669437804,{"$error":"#N/A"},null,23,1,null,33,83.703169074311688,{"$f":"'2023 Rates - Females'!AT19","v":71.559590496816782},{"$f":"'2023 Rates - Females'!AU19","v":12.1435785774949}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,62.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":234434.00918079502},1365663.6331761412,171.66306803935964,null,null,"3",{"$f":"AA38+AA61","v":598.37349873911967},600.60867819269959,499.38353145249602,426.69375103773228,405.94299470767265,327.95067433242571,282.42806435021896,237.46304970087564,208.81411320731564,190.01244260966547,163.57093384197901,152.99433033490448,{"$error":"#N/A"},null,24,1,null,34,82.819717339783068,{"$f":"'2023 Rates - Females'!AT20","v":70.676138762288176},{"$f":"'2023 Rates - Females'!AU20","v":12.1435785774949}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":170.29596389806017},null,null,null,null,null,null,null,0.5,62.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.911707432549559},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":55.175421140660404},{"$f":"O15*P15/1000","v":259117.0743254956},{"$f":"O15*Q15/1000","v":551754.21140660404},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":33999.865622240788},{"$f":"U16+T15","v":234434.00918079502},1354787.6513481266,{"$f":"U15/V15*1000","v":173.04114703696456},null,null,"4",{"$f":"AA39+AA62","v":398.02115648807427},404.45973608092561,313.30139954203594,277.73856321683087,230.28117798578586,188.73813763308769,163.03354347479419,137.27621637091428,122.97987603103748,113.59573155499081,98.637987116436989,95.407859183578296,{"$error":"#N/A"},null,25,2,null,35,83.296458925402405,{"$f":"'2023 Rates - Females'!AT21","v":69.803593839296965},{"$f":"'2023 Rates - Females'!AU21","v":13.492865086105443}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":162.29257667250607},null,null,null,null,null,null,null,0.75,62.75,1,{"$f":"O15-R15-S15","v":9189128.7142679002},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":32.947391093642189},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":55.089650945584815},{"$f":"O16*P16/1000","v":302757.81755880191},{"$f":"O16*Q16/1000","v":506225.89336306916},{"$f":"N16*R16*(1+IRATE)^(-M16-1)","v":39409.780864857654},{"$f":"U17+T16","v":200434.14355855423},1235017.3228379688,{"$f":"U16/V16*1000","v":162.29257667250607},null,null,"5",282.88625368050606,287.55462874643041,217.46531991415176,189.22165153470885,155.18601318681078,126.701643474885,109.49853538794018,94.19471144249988,83.955638464376705,79.411261279069535,76.840526470926406,75.555159066854841,{"$error":"#N/A"},null,26,2,null,36,82.434686161954303,{"$f":"'2023 Rates - Females'!AT22","v":68.941821075848864},{"$f":"'2023 Rates - Females'!AU22","v":13.492865086105443}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":0},"Attained age:",{"$f":"DISAGE+10","v":72},null,null,null,null,null,1,63,1,{"$f":"O16-R16-S16","v":8380145.0033460287},{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":31.167919784217414},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.27348950774789},261191.68724439939,387778.55188573839,{"$f":"N17*R17*(1+IRATE)^(-M17-1)","v":33728.380593302361},161024.36269369657,1117320.4116181955,144.11654975539901,null,null,"6",158.87692950216041,165.29103371852102,146.44932652141512,116.85087780596916,95.987817766955757,81.078651557398231,71.268049073270561,64.806362434365582,61.010323250785561,60.419915891972657,58.391515176567999,57.990228201694883,{"$error":"#N/A"},null,27,2,null,37,81.583552568425304,{"$f":"'2023 Rates - Females'!AT23","v":68.090687482319865},{"$f":"'2023 Rates - Females'!AU23","v":13.492865086105443}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,63.25,1,7731174.7642158912,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":27.637828617544304},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.694375492191121},213672.88314568231,306884.15408653772,{"$f":"N18*R18*(1+IRATE)^(-M18-1)","v":27372.409843097263},127295.98210039421,1022584.4278177989,124.48456932993255,null,null,"7",129.96386957165524,135.81152185504305,124.11623888044222,96.669431409929217,78.163921714859839,66.772580016502332,58.805448372551879,54.957731061502564,54.812490268956921,53.517642880070326,57.977733966231469,57.673767534366817,{"$error":"#N/A"},null,28,2,null,38,77.029677089781572,{"$f":"'2023 Rates - Females'!AT24","v":63.119506897920289},{"$f":"'2023 Rates - Females'!AU24","v":13.910170191861281}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,63.5,1,7210617.7269836711,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.351171933888313},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.324348570584419},175586.99201932229,254710.37399720633,22314.309261367769,99923.572257296939,946136.16030115006,105.61225376429097,null,null,"8",111.67227707346549,115.56516540649717,107.06041663935257,83.446148023382023,67.450953728111074,58.261626212001502,51.634798831562321,49.188157557518224,50.287478633059301,51.822934834896884,57.918305019995721,57.423421585444103,{"$error":"#N/A"},null,29,2,null,39,72.851645050956051,{"$f":"'2023 Rates - Females'!AT25","v":58.51126340986194},{"$f":"'2023 Rates - Females'!AU25","v":14.340381641094105}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,63.75,1,6780320.3609671425,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.657312933597193},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":32.37721873918543},146843.51984750608,{"$f":"O20*Q20/1000","v":219527.91544878591},18512.854154801484,77609.262995929166,882589.72724081576,87.933567093007156,null,null,"9",96.136395844745493,99.913598924157213,95.903451047928257,74.091637384171065,60.264505432380155,52.638568451376692,47.529153861637475,45.877474587731186,48.859575300842948,51.792672433414317,60.754678325570872,60.084827627016466,{"$error":"#N/A"},null,30,3,null,40,69.023358222142619,{"$f":"'2023 Rates - Females'!AT26","v":54.239459623076534},{"$f":"'2023 Rates - Females'!AU26","v":14.783898599066088}]
[null,null,null,null,null,null,null,null,null,null,null,2,64,1,6413948.925670851,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":73.669804031845118},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":116.34263857782037},472514.36042443512,746215.74171592307,{"$f":"N21*R21*(1+IRATE)^(-M21-1)","v":59096.408841127675},{"$f":"U22+T21","v":59096.408841127675},828250.3656734121,{"$f":"U21/V21*1000","v":71.350899788711985},null,null,"10",90.179358029406401,92.582900863556958,87.313568774583317,67.674781447085181,55.750988789703591,49.321121906528461,45.443856910193837,43.976486353412866,47.486997784383021,51.846872150747288,66.132806887170076,64.246461035406682,{"$error":"#N/A"},null,31,3,null,41,65.520665246770747,{"$f":"'2023 Rates - Females'!AT27","v":50.27953267041395},{"$f":"'2023 Rates - Females'!AU27","v":15.241132576356792}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},65,0,5195218.8235304933,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":56.349720106175013},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":57.2460114488158},292749.12659627513,297405.55625092995,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":0},0,649755.4388372479,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,62.321220786859783,{"$f":"'2023 Rates - Females'!AT28","v":46.60871297618268},{"$f":"'2023 Rates - Females'!AU28","v":15.712507810677105}]
[null,null,null,null,null,null,null,null,null,null,null,4,66,0,4605064.1406832887,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":45.08368829119371},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":34.327572987875826},207613.2762795192,158080.67540315527,0,0,557816.94375854405,0,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,59.862798875641886,{"$f":"'2023 Rates - Females'!AT29","v":43.664337215150027},{"$f":"'2023 Rates - Females'!AU29","v":16.198461660491859}]
[null,null,null,null,null,null,null,null,null,null,null,5,67,0,4239370.189000614,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":42.032514407096336},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.387401484876321},178191.38854618301,77951.001708170297,0,0,497355.92899936304,0,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,57.420281192980688,{"$f":"'2023 Rates - Females'!AT30","v":40.720836182164334},{"$f":"'2023 Rates - Females'!AU30","v":16.699445010816355}]
[null,null,null,null,null,null,null,null,null,null,null,6,68,0,3983227.7987462608,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.530586809145397},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.987056070924927},157459.33227894019,55713.630564330822,0,0,452596.34440760053,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,55.013450470515565,{"$f":"'2023 Rates - Females'!AT31","v":37.797527778952315},{"$f":"'2023 Rates - Females'!AU31","v":17.215922691563254}]
[null,null,null,null,null,null,null,null,null,null,null,7,69,0,3770054.8359029898,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":40.486497452583336},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.336437382313544},152636.31550988587,42738.990575102609,0,0,414890.51319977659,0,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,52.661059717022113,{"$f":"'2023 Rates - Females'!AT32","v":34.91268580819402},{"$f":"'2023 Rates - Females'!AU32","v":17.748373908828096}]
[null,null,null,null,null,null,null,null,null,null,null,8,70,0,3574679.5298180012,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":42.236999885988091},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.5556725474262247},150983.73889336688,34158.46704892836,0,0,381006.94350664178,0,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,50.380657485151474,{"$f":"'2023 Rates - Females'!AT33","v":32.083364795637969},{"$f":"'2023 Rates - Females'!AU33","v":18.297292689513501}]
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[null,null,null,null,null,null,null,null,null,null,null,32,94,0,322419.90866655885,194.84282585469515,0,62821.206116405039,0,0,0,15949.834451908551,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,49.055272158690769,{"$f":"'2023 Rates - Females'!AT57","v":5.8880746564055819},{"$f":"'2023 Rates - Females'!AU57","v":43.167197502285184}]
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[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":62},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":65737.54124442664}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",{"$f":"AA36+AA59","v":137.41045732225595},138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":22},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":309157.4797876068},{"$f":"O13*(1+IRATE)^(-M13)","v":4947874.4693315933},{"$f":"U13/V13*1000","v":62.482886682727582},null,null,"2 (annual)",{"$f":"AA37+AA60","v":523.50047482566777},528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,22.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":309157.4797876068},4908470.188871555,62.984487608486695,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},{"$f":"AB38+AB61","v":618.75109467672087},507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":62.482886682727582},null,null,null,null,null,null,null,0.5,22.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.554929312311184},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":208.85682195791892},{"$f":"O15*P15/1000","v":125549.29312311184},{"$f":"O15*Q15/1000","v":2088568.2195791893},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":59210.38079585239},{"$f":"U16+T15","v":309157.4797876068},4869379.7193879671,63.490115292644461,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":66.456754532714058},null,null,null,null,null,null,null,0.75,22.75,1,{"$f":"O15-R15-S15","v":7785882.4872976998},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.00083154155816},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":206.84347532832902},{"$f":"O16*P16/1000","v":124580.59408161834},{"$f":"O16*Q16/1000","v":1610458.9921706307},58285.625932304305,{"$f":"U17+T16","v":249947.09899175441},3761048.8316686493,{"$f":"U16/V16*1000","v":66.456754532714058},null,null,"5",{"$f":"AA40+AA63","v":262.99135253193919},266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":192.05043966211264},"Attained age:",{"$f":"DISAGE+10","v":32},null,null,null,null,null,1,23,1,{"$f":"O16-R16-S16","v":6050842.9010454509},{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.9130608413685},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":176.12891108184152},90236.588324853496,1065728.3712884262,41881.402747005872,191661.4730594501,2899642.7223263048,66.09830638227227,null,null,"6",{"$f":"AA41+AA64","v":150.75750599149092},154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,23.25,1,4894877.9414321715,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.463142773066162},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":157.50539624546462},61005.562640801341,770969.68973845837,28088.947987285817,149780.07031244424,2327008.4700905355,64.365932585804828,null,null,"7",{"$f":"AA42+AA65","v":121.41693956297361},125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,23.5,1,4062902.6890529119,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.285095670239127},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":141.67673835122653},45850.245544833924,575618.80122344405,20942.821336582638,121691.12232515843,1916108.0828979257,63.509529243837086,null,null,"8",{"$f":"AA43+AA66","v":107.36379416872461},112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,23.75,1,3441433.6422846336,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.9045612154458205},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":128.23956730795427},34085.890178902824,{"$f":"O20*Q20/1000","v":441327.96120561851},15445.275072980274,100748.30098857579,1610091.1656725341,62.573041288934277,null,null,"9",{"$f":"AA44+AA67","v":93.972520896165747},99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,24,1,2966019.7909001121,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":31.834890127088023},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":586.91620454963288},94422.914158073661,1740805.0782941894,42444.936837867644,85303.025915595514,1376615.314522746,61.965768516216841,null,null,"10",{"$f":"AA45+AA68","v":91.006558738990194},97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},25,1,1130791.798447849,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.465120457460429},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":349.97043952004412},20880.206770647845,395743.70270845486,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":9090.6141902847976},42858.089077727869,508312.91207075887,84.314382066615451,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,26,1,714167.88896874641,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":10.942149585423037},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":255.41601820356937},7814.5318702018139,182409.91852924603,3295.1207792745249,33767.474887443073,310927.22486021585,108.60250305396698,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,27,1,523943.4385692986,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.079329805802587},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":143.37128612095586},5804.9421554955261,75118.444642316375,2370.6978579016018,30472.354108168551,220929.02559877266,137.92825105520149,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,28,1,443020.0517714867,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.887366699186533},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":113.49202843018259},5266.3418105002647,50279.244310790535,2083.0384856438477,28101.656250266948,180926.29687064755,155.32101599558024,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,29,1,387474.4656501959,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.98489085069064},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":96.707200268264188},6193.7370408480601,37471.57074847215,2372.7443793866769,26018.617764623101,153260.88833511781,169.76684689267367,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,30,1,343809.15786087571,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.435421835889031},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":82.348906338906389},5994.4576983461311,28312.308139143533,2224.1190484872409,23645.873385236424,131709.05408414989,179.53111537896933,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,31,1,309502.39202338608,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.268299040440592},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":78.16102604536313},5963.5846432382777,24191.02452404207,2143.0162154936052,21421.754336749182,114834.4354555208,186.54469150977403,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
[null,null,null,null,null,null,null,null,null,null,null,10,32,1,279347.78285610571,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":17.984895428326833},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":71.458302797524567},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":5024.0406628020128},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":19961.718453148744},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":1748.5624788185796},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":19278.738121255577},100383.72291765624,{"$f":"U29/V29*1000","v":192.05043966211269},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":33},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":254362.02374015498},17.984895428326833,70.750794849034222,4574.6743979042749,17996.31535902488,1542.0488701359066,17530.175642436996,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":88527.924155044442},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,56.505890043954444,{"$f":"'2023 Rates - Males'!AT36","v":28.872762697582541},{"$f":"'2023 Rates - Males'!AU36","v":27.633127346371904}]
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[null,null,null,null,null,null,null,null,null,null,null,32,54,1,54303.416914740708,30.703947227406733,22.9484775367495,1667.3292472180649,1246.18074323667,287.12304444150038,2462.4289981471911,9655.2583676026534,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
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[null,null,null,null,null,null,null,null,null,null,null,34,56,1,48659.84967798608,32.36505111060756,20.307050959332301,1574.8785218625003,988.1380470843128,254.39795824952992,1905.1156827861932,8115.7261576686205,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,9,null,73,64.252002187237338,{"$f":"'2023 Rates - Males'!AT59","v":5.3570132995325439},{"$f":"'2023 Rates - Males'!AU59","v":58.894988887704798}]
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[null,null,null,null,null,null,null,null,null,null,null,96,118,0,3.0279264388253365E-3,510.78718992583674,0,1.5466260369897398E-3,0,0,0,6.9521350716805533E-5]
[null,null,null,null,null,null,null,null,null,null,null,97,119,0,1.4813004018355968E-3,510.78718992583674,0,7.566292696896173E-4,0,0,0,3.2940179510237166E-5]
[null,null,null,null,null,null,null,null,null,null,null,98,120,0,7.2467113214597946E-4,510.78718992583674,0,3.7015273120921953E-4,0,0,0,1.5607513590847939E-5]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":22},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":2234649.7819079291}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,"Valuation Interest Rate:",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2},null,null,null,null,null,null,null,"Reserve at duration 3/4:",null,null,{"$f":"$W$16","v":86.384329965864922},null,"   Death Benefit Option:",null,null,{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA31+AA54","v":219.52851187338342},221.4117512702301,183.74904567126111,154.90469701358975,131.6964699646326,113.33418379346347,99.122956022412552,88.472993578879368,80.790398243073412,74.985764798628594,61.323035316771453,53.271579763570898,{"$error":"#N/A"},null,18,0,null,28,{"$f":"AT8+AU8","v":90.709701373740842},{"$f":"'2023 Rates - Males'!AT14","v":74.359796438898272},{"$f":"'2023 Rates - Males'!AU14","v":16.349904934842574}]
[null,"Sex (1=Male,2=female):",null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA33+AA56","v":188.80501279700474},191.04197192321001,160.67491828840977,136.73643578310947,117.69313234994831,102.88421493568799,91.7302427756794,83.7393658932112,78.429902838760825,73.969672552456345,66.293489253200249,53.839631768166683,{"$error":"#N/A"},null,19,0,null,29,89.973465765434909,{"$f":"'2023 Rates - Males'!AT15","v":73.623560830592339},{"$f":"'2023 Rates - Males'!AU15","v":16.349904934842574}]
[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":27},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":340734.94416965754},{"$f":"O13*(1+IRATE)^(-M13)","v":4216657.9316662597},{"$f":"U13/V13*1000","v":80.806873521991449},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,27.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":340734.94416965754},4183076.9722516076,81.455575986270105,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":80.806873521991449},null,null,null,null,null,null,null,0.5,27.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.554929312311184},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":171.19411635894994},{"$f":"O15*P15/1000","v":125549.29312311184},{"$f":"O15*Q15/1000","v":1711941.1635894994},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":50460.035590502441},{"$f":"U16+T15","v":340734.94416965754},4149763.447581124,82.109486112580754,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":86.384329965864922},null,null,null,null,null,null,null,0.75,27.75,1,{"$f":"O15-R15-S15","v":8162509.543287389},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.00083154155816},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":169.54383223633525},{"$f":"O16*P16/1000","v":130606.94015850234},{"$f":"O16*Q16/1000","v":1383903.1486346025},52074.729240836466,{"$f":"U17+T16","v":290274.9085791551},3360272.7334211916,{"$f":"U16/V16*1000","v":86.384329965864922},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":226.12953338586064},"Attained age:",{"$f":"DISAGE+10","v":37},null,null,null,null,null,1,28,1,6647999.4544942845,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.9130608413685},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":145.76185744704128},99142.020338257862,969024.74879400409,39214.439802846486,238200.17933831865,2714996.574286323,87.734983386096204,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,28.25,1,5579832.6853620224,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.005018545808168},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":127.78739695386753},72565.827555639698,713032.29430052137,28473.961127321145,198985.73953547215,2260616.9118793919,88.022759844808419,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,28.5,1,4794234.563505861,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.285095670239127},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":115.65448028671555},54103.395714730759,554474.70681487897,21060.454729945715,170511.778408151,1926870.6392994351,88.491554612169026,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,28.75,1,4185656.4609762509,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.9045612154458205},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":107.36335867642684},41457.090644565593,{"$f":"O20*Q20/1000","v":449386.13591609662},16009.196171241541,149451.32367820528,1668877.0645417091,89.552026841022098,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,29,1,3694813.2344155889,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.807958187504539},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":477.0839323532104},113829.65163651387,1762736.0271856731,43606.73763623336,133442.12750696373,1461439.162419803,91.308711945295514,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},30,1,1818247.5555934019,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.568480559118303},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":263.61409730081249},41035.084610074067,479315.68803716352,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":15225.216012906702},89835.38987073036,696548.24533478974,128.97224344819327,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,31,1,1297896.7829461643,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.200891542319454},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":187.98618939782702},26218.672145420798,243986.67045774803,9421.6889534810452,74610.173857823655,481557.64927948482,154.9350819563488,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,32,1,1027691.4403429956,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":20.312104643971413},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":122.62017891923855},20874.576077960628,126015.70828862808,7265.1682064230681,65188.484904342607,369301.27648580144,176.51843915803232,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,33,1,880801.15597640676,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.812277831977553},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":102.14282558716432},17450.677216931566,89967.518851870831,5882.3415056169897,57923.316697919538,306553.22199988132,188.95027858471494,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,34,1,773382.95990760438,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.537088817510782},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":87.583879488239262},15109.651577664246,67735.879958805395,4932.9003043593557,52040.975192302547,260694.90761008681,199.62405736800429,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,35,1,690537.4283711348,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.372690928765589},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":78.518724648724699},13377.568174578602,54220.118197911594,4229.9477328969169,47108.074887943192,225442.14690025794,208.95859774075498,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
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[null,null,null,null,null,null,null,null,null,null,null,32,59,1,133455.256620145,36.162946434476751,16.746984459103029,4826.1352965536526,2234.9731086031748,708.26515021348598,3810.150757887302,20221.907772930768,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
[null,null,null,null,null,null,null,null,null,null,null,33,60,1,126394.14821498818,37.760453802457405,15.665826083210989,4772.7003945730148,1980.0687438715975,678.37602755747105,3101.8856076738161,18549.121578817096,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,9,null,72,61.938104528900574,{"$f":"'2023 Rates - Males'!AT58","v":6.1078387807507957},{"$f":"'2023 Rates - Males'!AU58","v":55.830265748149777}]
[null,null,null,null,null,null,null,null,null,null,null,34,61,1,119641.37907654357,39.41943951661753,14.6362560740424,4716.1961061925185,1751.10186121587,649.24425450235867,2423.5095801163452,17005.434399722933,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,9,null,73,64.252002187237338,{"$f":"'2023 Rates - Males'!AT59","v":5.3570132995325439},{"$f":"'2023 Rates - Males'!AU59","v":58.894988887704798}]
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[null,null,null,null,null,null,null,null,null,null,null,36,63,1,106975.18208334906,42.820914434746854,12.728097389581434,4580.7751186325549,1361.5905358250736,591.52773292129916,1153.851244054119,14262.945859597268,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Males'!AA61","v":13.600706810324438},{"$f":"'2023 Rates - Males'!AB61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AC61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AD61","v":18.352902979335759},{"$f":"'2023 Rates - Males'!AE61","v":21.070013280545325},{"$f":"'2023 Rates - Males'!AF61","v":24.197627216775739},{"$f":"'2023 Rates - Males'!AG61","v":27.782010327758808},{"$f":"'2023 Rates - Males'!AH61","v":31.862279786639736},{"$f":"'2023 Rates - Males'!AI61","v":36.529321341294981},{"$f":"'2023 Rates - Males'!AJ61","v":38.355787408359731},{"$f":"'2023 Rates - Males'!AK61","v":35.245858699573809},{"$f":"'2023 Rates - Males'!AL61","v":32.135929990787886},{"$f":"'2023 Rates - Males'!AM61","v":{"$error":"#N/A"}},null,65,10,null,75,68.856643449381949,{"$f":"'2023 Rates - Males'!AT61","v":3.8322082825671111},{"$f":"'2023 Rates - Males'!AU61","v":65.02443516681484}]
[null,null,null,null,null,null,null,null,null,null,null,37,64,1,101032.81642889143,44.501812919354798,11.847325325512829,4496.1434954340421,1196.9686447858942,562.3235111328197,562.3235111328197,13046.637589726626,null,null,null,"2 (1st qtr.)",{"$f":"'2023 Rates - Males'!AA62","v":12.676101715163226},{"$f":"'2023 Rates - Males'!AB62","v":14.9130608413685},{"$f":"'2023 Rates - Males'!AC62","v":14.9130608413685},{"$f":"'2023 Rates - Males'!AD62","v":17.105233439631267},{"$f":"'2023 Rates - Males'!AE62","v":19.637628779798789},{"$f":"'2023 Rates - Males'!AF62","v":22.552620841190993},{"$f":"'2023 Rates - Males'!AG62","v":25.893329933342269},{"$f":"'2023 Rates - Males'!AH62","v":29.696213960427247},{"$f":"'2023 Rates - Males'!AI62","v":34.045980063082624},{"$f":"'2023 Rates - Males'!AJ62","v":35.748279066236755},{"$f":"'2023 Rates - Males'!AK62","v":32.849769952758102},{"$f":"'2023 Rates - Males'!AL62","v":29.951260839279442},{"$f":"'2023 Rates - Males'!AM62","v":{"$error":"#N/A"}},null,66,10,null,76,72.202653906165295,{"$f":"'2023 Rates - Males'!AT62","v":3.0919212199437562},{"$f":"'2023 Rates - Males'!AU62","v":69.110732686221539}]
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[null,null,null,null,null,null,null,null,null,null,null,94,121,0,1.143046966120374E-3,1000,0,1.143046966120374E-3,0,0,0,2.3843322639561533E-5]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,98,"               *"," "," "," "," "," "," "," "," "," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":27},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":1196947.0583378486}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
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[null,"Valuation Interest Rate:",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2},null,null,null,null,null,null,null,"Reserve at duration 3/4:",null,null,{"$f":"$W$16","v":119.89849330665309},null,"   Death Benefit Option:",null,null,{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA31+AA54","v":219.52851187338342},221.4117512702301,183.74904567126111,154.90469701358975,131.6964699646326,113.33418379346347,99.122956022412552,88.472993578879368,80.790398243073412,74.985764798628594,61.323035316771453,53.271579763570898,{"$error":"#N/A"},null,18,0,null,28,{"$f":"AT8+AU8","v":90.709701373740842},{"$f":"'2023 Rates - Males'!AT14","v":74.359796438898272},{"$f":"'2023 Rates - Males'!AU14","v":16.349904934842574}]
[null,"Sex (1=Male,2=female):",null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA33+AA56","v":188.80501279700474},191.04197192321001,160.67491828840977,136.73643578310947,117.69313234994831,102.88421493568799,91.7302427756794,83.7393658932112,78.429902838760825,73.969672552456345,66.293489253200249,53.839631768166683,{"$error":"#N/A"},null,19,0,null,29,89.973465765434909,{"$f":"'2023 Rates - Males'!AT15","v":73.623560830592339},{"$f":"'2023 Rates - Males'!AU15","v":16.349904934842574}]
[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":32},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":404808.03507079592},{"$f":"O13*(1+IRATE)^(-M13)","v":3593503.4776833975},{"$f":"U13/V13*1000","v":112.64996335324575},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,32.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":404808.03507079592},3564885.2458049557,113.55429618587617,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":112.64996335324575},null,null,null,null,null,null,null,0.5,32.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.400464062308822},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":140.50423295128093},{"$f":"O15*P15/1000","v":144004.6406230882},{"$f":"O15*Q15/1000","v":1405042.3295128092},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":49324.133743217295},{"$f":"U16+T15","v":404808.03507079592},3536494.9261021749,114.46588883331552,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":119.89849330665309},null,null,null,null,null,null,null,0.75,32.75,1,{"$f":"O15-R15-S15","v":8450953.0298641026},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.352902979335759},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":139.14979443592051},{"$f":"O16*P16/1000","v":155099.52104001946},{"$f":"O16*Q16/1000","v":1175948.3768932095},52701.250534078128,{"$f":"U17+T16","v":355483.90132757864},2964873.7988590975,{"$f":"U16/V16*1000","v":119.89849330665309},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":261.87665071240406},"Attained age:",{"$f":"DISAGE+10","v":42},null,null,null,null,null,1,33,1,7119905.1319308737,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.105233439631267},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":119.63120234347819},121787.63934970625,851762.81150439114,41052.646663064996,302782.65079350054,2478005.2157258564,122.18806032852096,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,33.25,1,6146354.6810767762,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.916714984203685},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":104.87901437101783},91683.420969448402,644623.62092602393,30658.877024445133,261730.00413043555,2122135.5078019202,123.33331362120792,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,33.5,1,5410047.6391813047,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.943968906271728},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":94.921159591677011},70027.488423011571,513527.99535730411,23230.655745947664,231071.12710599042,1853036.9032383279,124.6986105361288,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,33.75,1,4826492.1554009896,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.360500269492087},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":88.116383195525444},54831.365432134393,{"$f":"O20*Q20/1000","v":425293.03225551115},18044.691624941952,207840.47136004275,1639993.2802946481,126.73251400316791,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,34,1,4346367.7577133439,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.466864329668837},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":392.02400958375569},154152.03558966613,1703880.5155043425,50326.549184096322,189795.7797351008,1465090.38830117,129.54544050703689,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},35,1,2488335.2066193353,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.981379007508092},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":220.23465772908543},64650.380100902905,548017.65254504245,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":20442.260145488104},139469.23055100447,812375.41679820302,171.6807619569428,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,36,1,1875667.1739733899,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.255753442316408},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":153.61870572642002},43620.053337771547,288137.56363932404,13358.385125893861,119026.97040551636,593080.44681056764,200.69279141744167,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,37,1,1543909.5569962943,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.383784646590492},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":92.232572237000113},36102.448594614274,142398.74974305555,10708.148018459133,105668.58527962249,472813.2334502624,223.48906038125583,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,38,1,1365408.3586586246,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.808371968430372},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":75.150412296545156},31142.741733089897,102611.00110634464,8946.3212980411772,94960.437261163359,404986.23720328574,234.4781835474999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,39,1,1231654.6158191902,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.491567739415704},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":64.08375617183647},27701.843223261341,78929.054088073914,7707.3708113224329,86014.115963122182,353815.28112620325,243.10458182964007,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,40,1,1125023.7185078547,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.302308925809079},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":56.819522603033711},25090.626519024649,63923.310602706093,6761.1260454757294,78306.745151799754,313010.75889389968,250.17269511283209,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
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[null,null,null,null,null,null,null,null,null,null,null,10,42,1,959057.57476942032,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":22.382144410020011},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":48.927877673338287},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":21465.765136012727},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":46924.651700006689},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":5425.924909415372},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":65547.921338247164},250300.74716448327,{"$f":"U29/V29*1000","v":261.87665071240411},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
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[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,98,"               *"," "," "," "," "," "," "," "," "," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":32},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":670211.37870040885}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
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[null,"Valuation Interest Rate:",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2},null,null,null,null,null,null,null,"Reserve at duration 3/4:",null,null,{"$f":"$W$16","v":159.57044327715096},null,"   Death Benefit Option:",null,null,{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA31+AA54","v":219.52851187338342},221.4117512702301,183.74904567126111,154.90469701358975,131.6964699646326,113.33418379346347,99.122956022412552,88.472993578879368,80.790398243073412,74.985764798628594,61.323035316771453,53.271579763570898,{"$error":"#N/A"},null,18,0,null,28,{"$f":"AT8+AU8","v":90.709701373740842},{"$f":"'2023 Rates - Males'!AT14","v":74.359796438898272},{"$f":"'2023 Rates - Males'!AU14","v":16.349904934842574}]
[null,"Sex (1=Male,2=female):",null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA33+AA56","v":188.80501279700474},191.04197192321001,160.67491828840977,136.73643578310947,117.69313234994831,102.88421493568799,91.7302427756794,83.7393658932112,78.429902838760825,73.969672552456345,66.293489253200249,53.839631768166683,{"$error":"#N/A"},null,19,0,null,29,89.973465765434909,{"$f":"'2023 Rates - Males'!AT15","v":73.623560830592339},{"$f":"'2023 Rates - Males'!AU15","v":16.349904934842574}]
[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":37},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":462519.1700697855},{"$f":"O13*(1+IRATE)^(-M13)","v":3062441.2635292551},{"$f":"U13/V13*1000","v":151.02956441253136},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,37.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":462519.1700697855},3038052.3476041523,152.24200150288198,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":151.02956441253136},null,null,null,null,null,null,null,0.5,37.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":16.532423746831359},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":115.16404621780123},{"$f":"O15*P15/1000","v":165324.2374683136},{"$f":"O15*Q15/1000","v":1151640.4621780124},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":48257.987392037423},{"$f":"U16+T15","v":462519.1700697855},3013857.6620883234,153.46417181138631,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":159.57044327715096},null,null,null,null,null,null,null,0.75,37.75,1,{"$f":"O15-R15-S15","v":8683035.3003536742},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.070013280545325},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":114.05388308245836},{"$f":"O16*P16/1000","v":182951.66909389579},{"$f":"O16*Q16/1000","v":990333.89294739661},52978.119455206834,{"$f":"U17+T16","v":414261.18267774809},2596102.2240079632,{"$f":"U16/V16*1000","v":159.57044327715096},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":278.88972987000903},"Attained age:",{"$f":"DISAGE+10","v":47},null,null,null,null,null,1,38,1,7509749.7383123823,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.637628779798789},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":98.055503570149526},147473.67759016968,736372.29227601923,42364.507082674601,361283.06322254124,2227425.421538583,162.19760254553742,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,38.25,1,6625903.7684461931,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.125104577360773},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":85.963898770860652},113469.29495416991,569588.52081617271,32336.53551738042,318918.55613986665,1949621.5495135258,163.57972459806055,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,38.5,1,5942845.9526758511,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.860297418080822},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":77.801960700028275},88312.458366601015,462365.06725640863,24966.898257576613,286582.02062248625,1734711.0710975977,165.20446856960348,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,38.75,1,5392168.4270528415,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.042399440641532},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":72.224437753371348},70326.814476838903,{"$f":"O20*Q20/1000","v":389446.33291537227},19723.820795026415,261615.12236490962,1561433.9265983307,167.54799412796959,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,39,1,4932395.27966063,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":40.798988055027017},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":329.93937308798718},201236.73609754568,1627391.4063933755,55989.276001014739,241891.30156988322,1416920.620508499,170.71619826033319,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},40,1,3103767.1371697094,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.887445417432254},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":175.3920702419166},92763.670900579658,544376.14373702207,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":24996.859720672644},185902.02556886847,863548.46662608755,215.27688688417669,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,41,1,2466627.3225321081,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":26.752046588737148},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":116.40480914151965},65987.329049430933,287127.28270260768,17221.779170486367,160905.16584819581,664677.63258955057,242.08000684680391,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,42,1,2113512.7107800697,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":26.899326131842386},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":68.361607554860484},56852.067691067365,144483.12649655645,14370.559273436205,143683.38667770944,551597.55218769948,260.48590336894097,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,43,1,1912177.5165924458,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":26.237405338260203},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":55.088364142401417},50170.57658154377,105338.73133895748,12282.490522721118,129312.82740427322,483343.20033607702,267.53831917850454,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,44,1,1756668.2086719444,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.872972445766258},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":47.498063686258341},45450.228159322789,83438.338451125368,10776.639446581192,117030.33688155211,430058.05583099258,272.12683333048312,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,45,1,1627779.6420614962,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.655260273529318},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":42.113906307005237},41761.110385040076,68552.15933422836,9590.2352912854403,106253.69743497092,385960.53334406653,275.29679398657714,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,46,1,1517466.3723422277,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.51701406523172},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.041493861969741},38721.210766572782,59244.154061544577,8612.2393921404346,96663.46214368548,348478.75028218934,277.38696280737304,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
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[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":48},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":1334107.4151477753},26.214884718446715,32.145175856182746,34973.472090123862,42885.117470962636,7296.6882951798561,80243.583864959422,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":287387.51841513329},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,56.505890043954444,{"$f":"'2023 Rates - Males'!AT36","v":28.872762697582541},{"$f":"'2023 Rates - Males'!AU36","v":27.633127346371904}]
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[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,98,"               *"," "," "," "," "," "," "," "," "," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":37},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":404742.92821311957}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
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[null,"Valuation Interest Rate:",null,{"$f":"Assumptions!C12","v":3.2500000000000001E-2},null,null,null,null,null,null,null,"Reserve at duration 3/4:",null,null,{"$f":"$W$16","v":204.55448794474822},null,"   Death Benefit Option:",null,null,{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,"1 (4th qtr.)",{"$f":"AA31+AA54","v":219.52851187338342},221.4117512702301,183.74904567126111,154.90469701358975,131.6964699646326,113.33418379346347,99.122956022412552,88.472993578879368,80.790398243073412,74.985764798628594,61.323035316771453,53.271579763570898,{"$error":"#N/A"},null,18,0,null,28,{"$f":"AT8+AU8","v":90.709701373740842},{"$f":"'2023 Rates - Males'!AT14","v":74.359796438898272},{"$f":"'2023 Rates - Males'!AU14","v":16.349904934842574}]
[null,"Sex (1=Male,2=female):",null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 (1st qtr.)",{"$f":"AA33+AA56","v":188.80501279700474},191.04197192321001,160.67491828840977,136.73643578310947,117.69313234994831,102.88421493568799,91.7302427756794,83.7393658932112,78.429902838760825,73.969672552456345,66.293489253200249,53.839631768166683,{"$error":"#N/A"},null,19,0,null,29,89.973465765434909,{"$f":"'2023 Rates - Males'!AT15","v":73.623560830592339},{"$f":"'2023 Rates - Males'!AU15","v":16.349904934842574}]
[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":42},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":509366.01111241902},{"$f":"O13*(1+IRATE)^(-M13)","v":2609861.5322929011},{"$f":"U13/V13*1000","v":195.16974552474213},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,42.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":509366.01111241902},2589076.9072144437,196.73653173185949,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":195.16974552474213},null,null,null,null,null,null,null,0.5,42.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":18.986481948968294},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":94.347701844495177},{"$f":"O15*P15/1000","v":189864.81948968294},{"$f":"O15*Q15/1000","v":943477.01844495174},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":47230.97125031524},{"$f":"U16+T15","v":509366.01111241902},2568457.8084040666,198.31589580555269,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":204.55448794474822},null,null,null,null,null,null,null,0.75,42.75,1,{"$f":"O15-R15-S15","v":8866658.1620653663},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":24.197627216775739},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":93.43820496650261},{"$f":"O16*P16/1000","v":214552.08886423966},{"$f":"O16*Q16/1000","v":828484.62271497701},52947.152388355782,{"$f":"U17+T16","v":462135.03986210376},2259227.0866573704,{"$f":"U16/V16*1000","v":204.55448794474822},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":268.54665682151335},"Attained age:",{"$f":"DISAGE+10","v":52},null,null,null,null,null,1,43,1,7823621.4504861506,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.552620841190993},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":80.331594094497007},176443.16817782287,628483.98270945332,43195.866753108647,409187.88747374795,1977585.3430358737,206.91288439951043,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,43.25,1,7018694.2995988745,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.667139792165848},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":70.42559337733536},138037.64194868863,494295.71078337193,33524.504086504392,365992.02072063932,1759994.1239602035,207.9507060495817,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,43.5,1,6386360.946866814,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.066146682743245},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":63.738957010601872},108990.57268817209,407059.98584653053,26259.185428852059,332467.51663413492,1588677.8345052649,209.2730882329391,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,43.75,1,5870310.3883321118,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.978401554607851},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":59.169592792477708},87927.866246624326,{"$f":"O20*Q20/1000","v":347343.87524306274},21015.819731595962,306208.33120528288,1448674.866524562,211.37132857139355,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,44,1,5435038.6468424248,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.867462091471545},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":252.24375264077594},254726.46774657015,1370954.5440271781,60397.83322502207,285192.5114736869,1330576.9081996663,214.33748753355857,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},45,1,3809357.6350686769,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":34.33292789574076},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":134.08994982074299},130786.40101390243,510796.57413562306,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":30034.459023222003},224794.67824866486,903231.41200327966,248.8782777716865,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,46,1,3167774.6599191516,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.731167343559466},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":88.502895241566833},97349.413180662639,280357.22887571465,21652.123846293267,194760.21922544285,727463.9984017089,267.72489037718037,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,47,1,2790068.017862774,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.900353363419182},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.975517477266479},86214.087659934259,145015.22902518886,18571.857425939583,173108.09537914957,620557.39514562057,278.9558173559883,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,48,1,2558838.7011776511,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.13997794285903},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":41.883834153250966},77123.342012828449,107173.97578504485,16090.6239306183,154536.23795320999,551213.71488261467,280.35630061585044,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,49,1,2374541.3833797779,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.721339011157866},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":36.11290792540629},70574.549451454164,85751.594343060788,14260.839689348484,138445.61402259168,495412.30204078509,279.45534144445622,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,50,1,2218215.2395852632,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.471244156711844},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":31.842881665964686},65373.562917956355,70634.365383753044,12794.080480595794,124184.77433324319,448229.73967343377,277.05607937509978,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,51,1,2082207.311283554,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.312435097086677},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.874494378609828},61034.566670678534,60122.683304757258,11568.917617506688,111390.6938526474,407503.07507760904,273.34933320793476,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
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[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":53},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":1},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":1853323.8358237746},29.905644599494156,24.349914657197107,55424.84396191706,45128.277234458095,9854.6503855654537,89335.347550131555,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":340234.31560704205},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,56.505890043954444,{"$f":"'2023 Rates - Males'!AT36","v":28.872762697582541},{"$f":"'2023 Rates - Males'!AU36","v":27.633127346371904}]
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[null,null,null,null,null,null,null,null,null,null,null,31,73,0,585835.76761267136,58.894988887704798,5.3570132995325439,34502.791023568287,3138.3299984429373,0,0,56728.523430297428,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,9,null,70,59.250199854344423,{"$f":"'2023 Rates - Males'!AT56","v":7.5062316256013375},{"$f":"'2023 Rates - Males'!AU56","v":51.743968228743086}]
[null,null,null,null,null,null,null,null,null,null,null,32,74,0,548194.64659066021,61.959712027259819,4.5929056972308651,33965.982437642779,2517.8063155177042,0,0,51412.689800266562,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
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[null,null,null,null,null,null,null,null,null,null,null,36,78,0,408658.72831478034,77.283327725034923,1.7403938714042422,31582.506428047178,711.22714625489493,0,0,33723.766497059107,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Males'!AA61","v":13.600706810324438},{"$f":"'2023 Rates - Males'!AB61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AC61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AD61","v":18.352902979335759},{"$f":"'2023 Rates - Males'!AE61","v":21.070013280545325},{"$f":"'2023 Rates - Males'!AF61","v":24.197627216775739},{"$f":"'2023 Rates - Males'!AG61","v":27.782010327758808},{"$f":"'2023 Rates - Males'!AH61","v":31.862279786639736},{"$f":"'2023 Rates - Males'!AI61","v":36.529321341294981},{"$f":"'2023 Rates - Males'!AJ61","v":38.355787408359731},{"$f":"'2023 Rates - Males'!AK61","v":35.245858699573809},{"$f":"'2023 Rates - Males'!AL61","v":32.135929990787886},{"$f":"'2023 Rates - Males'!AM61","v":{"$error":"#N/A"}},null,65,10,null,75,68.856643449381949,{"$f":"'2023 Rates - Males'!AT61","v":3.8322082825671111},{"$f":"'2023 Rates - Males'!AU61","v":65.02443516681484}]
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[null,null,null,null,null,null,null,null,null,null,null,83,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,84,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":42},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":256362.06636793332}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":47},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":523635.870265793},{"$f":"O13*(1+IRATE)^(-M13)","v":2224165.8309856369},{"$f":"U13/V13*1000","v":235.43022870454956},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,47.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":523635.870265793},2206452.8403394483,237.32021853919844,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":235.43022870454956},null,null,null,null,null,null,null,0.5,47.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.798940568369034},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":77.324015454043519},{"$f":"O15*P15/1000","v":217989.40568369033},{"$f":"O15*Q15/1000","v":773240.15454043518},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":46213.351042967231},{"$f":"U16+T15","v":523635.870265793},2188880.9138321187,239.22538085868405,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":244.05502854651772},null,null,null,null,null,null,null,0.75,47.75,1,{"$f":"O15-R15-S15","v":9008770.4397758748},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":27.782010327758808},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":76.578624212132723},{"$f":"O16*P16/1000","v":250281.75339826162},{"$f":"O16*Q16/1000","v":689879.24612096627},52636.711392354358,{"$f":"U17+T16","v":477422.51922282577},1956208.4914461304,{"$f":"U16/V16*1000","v":244.05502854651772},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":221.68441556075709},"Attained age:",{"$f":"DISAGE+10","v":57},null,null,null,null,null,1,48,1,8068609.4402566468,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.893329933342269},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":65.836912842337128},208923.16633984545,531212.33647703542,43588.672537158593,424785.80783047143,1738104.1569575763,244.39606000024062,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,48.25,1,7328473.9374397658,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.58042393696455},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":57.718307539114633},165480.04831838573,422987.11251353472,34249.967825957712,381197.13529331284,1566095.121996861,243.40611878495901,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,48.5,1,6740006.776607845,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.594146944553028},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":52.238178573079431},132064.68318813731,352085.67758020607,27116.192454366203,346947.16746735515,1428868.97747371,242.8124432239895,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,48.75,1,6255856.4158395017,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.197145114911891},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":48.49329043579619},107582.87060124449,{"$f":"O20*Q20/1000","v":303367.06209794397},21913.544340943918,319830.97501298896,1315668.0589038872,243.09397256284186,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,49,1,5844906.4831403131,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":53.932023199791125},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":193.10240548016873},315227.6320493329,1128665.5017010276,63697.33510520967,297917.43067204504,1219451.720779941,244.30440795270027,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},50,1,4401013.3493899517,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.508097540591805},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":103.79177303047584},173875.66468514485,456788.97866397613,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":34028.728866907135},234220.09556683537,889302.81998476922,263.37496104065747,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,51,1,3770348.7060408304,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.363426056541428},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":69.650355473397923},133332.44767345156,262606.1276344097,25272.762419983177,200191.36669992824,737884.59175057255,271.30444101697549,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,52,1,3374410.1307329689,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.558114310203337},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":40.454351474077278},119987.66115811109,136509.57344635858,22027.407723526077,174918.60427994508,639609.24013382022,273.47729411061709,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,53,1,3117912.8961284994,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":34.683123794562356},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":32.42000920942867},108138.95895708719,101082.76480668236,19227.327627901654,152891.19655641899,572388.34348943201,267.11095411963402,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,54,1,2908691.1723647299,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":34.201381375210154},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":27.041504484974723},99481.256088753275,78655.385382907232,17131.206185416162,133663.86892851733,517171.22745406948,258.45186629294489,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,55,1,2730554.5308930697,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":33.913588503776104},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.712701477350166},92602.902747828964,64748.824458693278,15444.762059069793,116532.66274310116,470216.14431082632,247.8278641706307,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,56,1,2573202.8036865476,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":33.730841380167718},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":21.38372399518417},86796.295610153786,55024.658537667208,14020.637198564573,101087.90068403137,429171.26627115102,235.54209852475046,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
[null,null,null,null,null,null,null,null,null,null,null,10,57,1,2431381.8495387267,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":33.229005247030344},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":19.067046404461593},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":80792.400235856694},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":46359.270552120557},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":12639.998185160097},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":87067.263485466799},392753.19947605539,{"$f":"U29/V29*1000","v":221.68441556075715},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
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[null,null,null,null,null,null,null,null,null,null,null,31,78,0,667797.68397937459,77.283327725034923,1.7403938714042422,51609.627264997311,1162.2309965356505,0,0,55108.704651109663,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,9,null,70,59.250199854344423,{"$f":"'2023 Rates - Males'!AT56","v":7.5062316256013375},{"$f":"'2023 Rates - Males'!AU56","v":51.743968228743086}]
[null,null,null,null,null,null,null,null,null,null,null,32,79,0,615025.82571784162,81.369625244441607,1.1622710394656157,50044.420954314031,714.82670575527436,0,0,49156.232171641619,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
[null,null,null,null,null,null,null,null,null,null,null,33,80,0,564266.57805777225,86.477497143699978,0.67060892175115516,48796.361392276362,378.40220149153669,0,0,43679.685342706078,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,9,null,72,61.938104528900574,{"$f":"'2023 Rates - Males'!AT58","v":6.1078387807507957},{"$f":"'2023 Rates - Males'!AU58","v":55.830265748149777}]
[null,null,null,null,null,null,null,null,null,null,null,34,81,0,515091.81446400436,94.260419774435263,0,48552.770653752574,0,0,0,38617.99853903574,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,9,null,73,64.252002187237338,{"$f":"'2023 Rates - Males'!AT59","v":5.3570132995325439},{"$f":"'2023 Rates - Males'!AU59","v":58.894988887704798}]
[null,null,null,null,null,null,null,null,null,null,null,35,82,0,466539.04381025181,99.13040960299989,0,46248.206508702177,0,0,0,33876.852092879133,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Males'!AA60","v":10.671689915464507},{"$f":"'2023 Rates - Males'!AB60","v":12.554929312311184},{"$f":"'2023 Rates - Males'!AC60","v":12.554929312311184},{"$f":"'2023 Rates - Males'!AD60","v":14.400464062308822},{"$f":"'2023 Rates - Males'!AE60","v":16.532423746831359},{"$f":"'2023 Rates - Males'!AF60","v":18.986481948968294},{"$f":"'2023 Rates - Males'!AG60","v":21.798940568369034},{"$f":"'2023 Rates - Males'!AH60","v":25.000492593861068},{"$f":"'2023 Rates - Males'!AI60","v":28.662450827977285},{"$f":"'2023 Rates - Males'!AJ60","v":30.095573369376147},{"$f":"'2023 Rates - Males'!AK60","v":27.655391744832134},{"$f":"'2023 Rates - Males'!AL60","v":25.215210120288123},{"$f":"'2023 Rates - Males'!AM60","v":{"$error":"#N/A"}},null,64,9,null,74,66.552617724490688,{"$f":"'2023 Rates - Males'!AT60","v":4.5929056972308651},{"$f":"'2023 Rates - Males'!AU60","v":61.959712027259819}]
[null,null,null,null,null,null,null,null,null,null,null,36,83,0,420290.83730154962,104.8378556263831,0,44062.39012211153,0,0,0,29557.991156272907,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Males'!AA61","v":13.600706810324438},{"$f":"'2023 Rates - Males'!AB61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AC61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AD61","v":18.352902979335759},{"$f":"'2023 Rates - Males'!AE61","v":21.070013280545325},{"$f":"'2023 Rates - Males'!AF61","v":24.197627216775739},{"$f":"'2023 Rates - Males'!AG61","v":27.782010327758808},{"$f":"'2023 Rates - Males'!AH61","v":31.862279786639736},{"$f":"'2023 Rates - Males'!AI61","v":36.529321341294981},{"$f":"'2023 Rates - Males'!AJ61","v":38.355787408359731},{"$f":"'2023 Rates - Males'!AK61","v":35.245858699573809},{"$f":"'2023 Rates - Males'!AL61","v":32.135929990787886},{"$f":"'2023 Rates - Males'!AM61","v":{"$error":"#N/A"}},null,65,10,null,75,68.856643449381949,{"$f":"'2023 Rates - Males'!AT61","v":3.8322082825671111},{"$f":"'2023 Rates - Males'!AU61","v":65.02443516681484}]
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[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":47},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":165761.55892838232}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Mortality Rate Factor:",null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},null,"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age","Col.",null,"Age","Rate","Rate","Rate"]
[null,"Recovery Rate Factor:",null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},null,"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"},null,null,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,0,null,27,{"$f":"AT7+AU7","v":91.453299338129838},{"$f":"'2023 Rates - Males'!AT13","v":75.103394403287268},{"$f":"'2023 Rates - Males'!AU13","v":16.349904934842574}]
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[null,"Benefit Option (1-6)@:",null,{"$f":"Benefit_Option","v":5},{"$f":"VLOOKUP(DBOPT,DB_DESC,2)","v":"Pattern 5 - No coverage after age 65"},null,null,null,null,null,null,"",null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)##","Col (8)","Col (9)","Col (10)",null,null,"2 (2nd qtr.)",168.88478747304677,169.96853901853078,140.79241549967568,119.79572935522151,103.08900334822142,90.092733169501201,80.298731476079183,73.275631403063187,68.600757274285613,64.682652810393364,56.778323311683664,48.873993812973957,{"$error":"#N/A"},null,20,1,null,30,90.879510112081647,{"$f":"'2023 Rates - Males'!AT16","v":72.89461468375481},{"$f":"'2023 Rates - Males'!AU16","v":17.984895428326833}]
[null,"Diagnosis Group - Death",null,{"$f":"Assumptions!C16","v":"Unclassified"},null,null,null,null,null,null,null,null,"Att","Dth Ben","    (T)","  (d)","  (r)","   (d)","   (r)","   (d)","   (d)","    (T)","Disability",null,null,"2 (3rd qtr.)",152.02140938227907,152.96183402146565,126.93957595695468,107.86512849794875,92.662258118109094,80.805103693345117,71.832325517632455,65.352327296455357,60.979809100750089,57.378334782027849,51.321973025458647,43.261786102926337,{"$error":"#N/A"},null,21,1,null,31,90.157781253826641,{"$f":"'2023 Rates - Males'!AT17","v":72.172885825499804},{"$f":"'2023 Rates - Males'!AU17","v":17.984895428326833}]
[null,"Diagnosis Group - Recovery",null,{"$f":"Assumptions!C17","v":"Unclassified"},null,null,null,null,null,null,null,"Dur#","Age","Factor","L[x]+t","q[x]+t","q[x]+t","d[x]+t","d[x]+t","C[x]+t","M[x]+t","D[x]+t","Res/$1000",null,null,"2 (4th qtr.)",137.41045732225595,138.1441285234001,117.26791989187267,99.476883465017536,85.266837194012879,74.147994347085557,65.690435550708088,59.529240353549824,55.303484212685149,51.894956954080911,46.26443433335379,37.537084253872933,{"$error":"#N/A"},null,22,1,null,32,89.443198225851404,{"$f":"'2023 Rates - Males'!AT18","v":71.458302797524567},{"$f":"'2023 Rates - Males'!AU18","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"DISAGE+L13","v":52},{"$f":"VLOOKUP(TRUNC(M13),DBTABLE,DBOPT+1)","v":1},10000000,0,0,0,0,0,{"$f":"U14+T13","v":497458.81558287545},{"$f":"O13*(1+IRATE)^(-M13)","v":1895469.772060245},{"$f":"U13/V13*1000","v":262.44618770267806},null,null,"2 (annual)",523.50047482566777,528.32801810378294,460.05423687363304,404.76928028799142,357.76686463118301,319.18727382035905,288.79137358437367,266.12211885977342,250.39927775480231,236.67435699009675,211.74826614037033,177.29942578321612,{"$error":"#N/A"},null,23,1,null,33,88.735690277361059,{"$f":"'2023 Rates - Males'!AT19","v":70.750794849034222},{"$f":"'2023 Rates - Males'!AU19","v":17.984895428326833}]
[null,null,null,null,null,null,null,null,null,null,null,0.25,52.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":497458.81558287545},1880374.4775121058,264.55305660235052,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":262.44618770267806},null,null,null,null,null,null,null,0.5,52.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.000492593861068},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":63.4725009850183},{"$f":"O15*P15/1000","v":250004.92593861069},{"$f":"O15*Q15/1000","v":634725.00985018304},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":45167.945652685703},{"$f":"U16+T15","v":497458.81558287545},1865399.4000842022,266.6768390514228,null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":268.13219475769671},null,null,null,null,null,null,null,0.75,52.75,1,{"$f":"O15-R15-S15","v":9115270.0642112065},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":31.862279786639736},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":62.860636145115805},{"$f":"O16*P16/1000","v":290433.28511667904},{"$f":"O16*Q16/1000","v":572991.67487084703},52054.184201716751,{"$f":"U17+T16","v":452290.86993018974},1686820.4519002722,{"$f":"U16/V16*1000","v":268.13219475769671},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":113.88206370196411},"Attained age:",{"$f":"DISAGE+10","v":62},null,null,null,null,null,1,53,1,8251845.1042236816,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.696213960427247},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":54.04315193278395},245048.55778333053,445955.71869335987,43570.133749064502,400236.68572847301,1514878.7369277785,264.20377814541484,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,53.25,1,7560840.8277469911,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.8967503320535},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":47.378881071009694},195801.20721656055,358224.17837465915,34536.60092664713,356666.55197940848,1376969.6969517623,259.02280403771528,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,53.5,1,7006815.442155771,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.471886834772647},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":42.88044046168271},157456.36368826195,300455.33239335957,27551.923865511217,322129.95105276135,1265908.8932007847,254.46535116620637,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,53.75,1,6548903.7460741494,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.722843765387449},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.806396588162372},129163.00541838106,{"$f":"O20*Q20/1000","v":260688.25973392979},22421.121845880742,294578.02718725015,1173756.1064342328,250.97038948078588,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,54,1,6159052.4809218384,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":62.016594077905985},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":155.6362577106666},381963.45761384949,958571.87917427171,65776.157287755515,272156.90534136939,1095092.1025152293,248.52421519274407,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},55,1,4818517.1441337178,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":45.430479010375542},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":79.595507737182061},218907.54197770156,383532.31862763973,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":36510.463478540347},206380.74805361388,829774.51179820404,248.71907381966486,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,56,1,4216077.2835283764,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":40.664508928733589},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.386724085761614},171444.71234027052,216650.40009292,27694.316841950538,169870.28457507351,703177.85441419901,241.57513424052362,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,57,1,3827982.1710951859,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":40.888381531368182},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.011835483650739},156519.99550701509,114884.77115325689,24487.605930438651,142175.96773312299,618352.99359504599,229.92686896609868,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,58,1,3556577.4044349142,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.882227331858488},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.787073254109622},141844.22856702446,84600.567253204354,21493.053034015171,117688.36180268433,556427.73090292548,211.50700309581853,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,59,1,3330132.6086146855,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":39.328270289297748},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":19.95071411177523},130968.35533080254,66438.523628771858,19220.414713160713,96195.308768669158,504600.83917646407,190.6364423128291,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,60,1,3132725.7296551112,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.997336409437111},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.398383925520854},122167.95915785972,54504.364977897079,17364.554230671889,76974.894055508441,459746.84155172296,167.42886975733256,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,61,1,2956053.4055193542,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.787194947809716},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":15.517143583542856},114657.01971601599,45869.505134064653,15783.994052165126,59610.339824836556,420163.76489171124,141.87406151075385,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
[null,null,null,null,null,null,null,null,null,null,null,10,62,1,2795526.8806692734,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":41.115773990105026},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":13.657359266514455},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":114940.25140886115},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":38179.514948498749},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":15324.924445146233},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":43826.345772671426},384839.75744738418,{"$f":"U29/V29*1000","v":113.88206370196411},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
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[null,null,null,null,null,null,null,null,null,null,null,30,82,0,704446.31840030861,99.13040960299989,0,69832.052086347874,0,0,0,51152.039796966063,null,null,null,null,null,"            (d)",null,null,null,null,null,null,null,null,null,null,null,null,59,8,null,69,59.230506438417478,{"$f":"'2023 Rates - Males'!AT55","v":8.1246544303049522},{"$f":"'2023 Rates - Males'!AU55","v":51.105852008112528}]
[null,null,null,null,null,null,null,null,null,null,null,31,83,0,634614.26631396078,104.8378556263831,0,66531.598830266055,0,0,0,44630.815631829406,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,9,null,70,59.250199854344423,{"$f":"'2023 Rates - Males'!AT56","v":7.5062316256013375},{"$f":"'2023 Rates - Males'!AU56","v":51.743968228743086}]
[null,null,null,null,null,null,null,null,null,null,null,32,84,0,568082.66748369473,111.61943024746842,0,63409.063677992061,0,0,0,38694.253390926831,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
[null,null,null,null,null,null,null,null,null,null,null,33,85,0,504673.60380570265,119.41141397317183,0,60263.788625375266,0,0,0,33293.194066421704,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,9,null,72,61.938104528900574,{"$f":"'2023 Rates - Males'!AT58","v":6.1078387807507957},{"$f":"'2023 Rates - Males'!AU58","v":55.830265748149777}]
[null,null,null,null,null,null,null,null,null,null,null,34,86,0,444409.81518032739,128.35945135911393,0,57044.200055152047,0,0,0,28394.776452558908,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,9,null,73,64.252002187237338,{"$f":"'2023 Rates - Males'!AT59","v":5.3570132995325439},{"$f":"'2023 Rates - Males'!AU59","v":58.894988887704798}]
[null,null,null,null,null,null,null,null,null,null,null,35,87,0,387365.61512517533,138.54546746783134,0,53667.750228481455,0,0,0,23970.981622899526,null,null,null,"1 (3rd qtr.)",{"$f":"'2023 Rates - Males'!AA60","v":10.671689915464507},{"$f":"'2023 Rates - Males'!AB60","v":12.554929312311184},{"$f":"'2023 Rates - Males'!AC60","v":12.554929312311184},{"$f":"'2023 Rates - Males'!AD60","v":14.400464062308822},{"$f":"'2023 Rates - Males'!AE60","v":16.532423746831359},{"$f":"'2023 Rates - Males'!AF60","v":18.986481948968294},{"$f":"'2023 Rates - Males'!AG60","v":21.798940568369034},{"$f":"'2023 Rates - Males'!AH60","v":25.000492593861068},{"$f":"'2023 Rates - Males'!AI60","v":28.662450827977285},{"$f":"'2023 Rates - Males'!AJ60","v":30.095573369376147},{"$f":"'2023 Rates - Males'!AK60","v":27.655391744832134},{"$f":"'2023 Rates - Males'!AL60","v":25.215210120288123},{"$f":"'2023 Rates - Males'!AM60","v":{"$error":"#N/A"}},null,64,9,null,74,66.552617724490688,{"$f":"'2023 Rates - Males'!AT60","v":4.5929056972308651},{"$f":"'2023 Rates - Males'!AU60","v":61.959712027259819}]
[null,null,null,null,null,null,null,null,null,null,null,36,88,0,333697.86489669385,149.96946229932408,0,50044.489368989671,0,0,0,19999.913577038365,null,null,null,"1 (4th qtr.)",{"$f":"'2023 Rates - Males'!AA61","v":13.600706810324438},{"$f":"'2023 Rates - Males'!AB61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AC61","v":16.00083154155816},{"$f":"'2023 Rates - Males'!AD61","v":18.352902979335759},{"$f":"'2023 Rates - Males'!AE61","v":21.070013280545325},{"$f":"'2023 Rates - Males'!AF61","v":24.197627216775739},{"$f":"'2023 Rates - Males'!AG61","v":27.782010327758808},{"$f":"'2023 Rates - Males'!AH61","v":31.862279786639736},{"$f":"'2023 Rates - Males'!AI61","v":36.529321341294981},{"$f":"'2023 Rates - Males'!AJ61","v":38.355787408359731},{"$f":"'2023 Rates - Males'!AK61","v":35.245858699573809},{"$f":"'2023 Rates - Males'!AL61","v":32.135929990787886},{"$f":"'2023 Rates - Males'!AM61","v":{"$error":"#N/A"}},null,65,10,null,75,68.856643449381949,{"$f":"'2023 Rates - Males'!AT61","v":3.8322082825671111},{"$f":"'2023 Rates - Males'!AU61","v":65.02443516681484}]
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[null,null,null,null,null,null,null,null,null,null,null,84,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":52},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":107568.25273281799}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,null,null,null,null,null,null,null,null,null,null,0.25,57.25,1,10000000,0,0,0,0,0,{"$f":"U15+T14","v":427189.41841682454},{"$f":"O14*(1+IRATE)^(-M14)","v":1602485.2700386581},266.57931052715327,null,null,"3",{"$f":"AA38+AA61","v":614.64336691838696},618.75109467672087,507.89189054071494,427.49087391342454,370.73836114301417,299.1112147322475,247.03442867995986,217.65285178857258,191.94107515815955,176.65941610100731,152.14796376408742,146.02010067985748,{"$error":"#N/A"},null,24,1,null,34,88.035187358063681,{"$f":"'2023 Rates - Males'!AT20","v":70.050291929736844},{"$f":"'2023 Rates - Males'!AU20","v":17.984895428326833}]
[null,"Reserve at duration 0:",null,{"$f":"VLOOKUP(0,RESERVES_SEL,12)","v":264.45630478358328},null,null,null,null,null,null,null,0.5,57.5,{"$f":"VLOOKUP(TRUNC(M15),DBTABLE,DBOPT+1)","v":1},10000000,{"$f":"INDEX(DEATH,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.662450827977285},{"$f":"INDEX(RECOVERY,4,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":52.127947415096124},{"$f":"O15*P15/1000","v":286624.50827977282},{"$f":"O15*Q15/1000","v":521279.47415096121},{"$f":"N15*R15*(1+IRATE)^(-M15-1)","v":44131.104143729681},{"$f":"U16+T15","v":427189.41841682454},{"$f":"O15*(1+IRATE)^(-M15)","v":1589723.2690208321},{"$f":"U15/V15*1000","v":268.7193593636872},null,null,"4",{"$f":"AA39+AA62","v":362.28051982501773},368.43555997750457,286.1825778599308,246.21603673659351,205.27951565934885,168.42287771648375,143.29987057106763,125.0259867475576,112.82310541880707,105.82884505370924,90.319279879900719,90.311683997223909,{"$error":"#N/A"},null,25,2,null,35,88.976610604718857,{"$f":"'2023 Rates - Males'!AT21","v":69.356724682907767},{"$f":"'2023 Rates - Males'!AU21","v":19.61988592181109}]
[null,"Reserve at duration 3/4:",null,{"$f":"VLOOKUP(0.75,RESERVES_SEL,12)","v":264.24168185124392},null,null,null,null,null,null,null,0.75,57.75,1,{"$f":"O15-R15-S15","v":9192096.0175692663},{"$f":"INDEX(DEATH,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":36.529321341294981},{"$f":"INDEX(RECOVERY,5,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.625442271851291},{"$f":"O16*P16/1000","v":335781.02922582562},{"$f":"O16*Q16/1000","v":474546.02231233631},51287.922977325747,{"$f":"U17+T16","v":383058.31427309487},1449651.363060652,{"$f":"U16/V16*1000","v":264.24168185124392},null,null,"5",262.99135253193919,266.35816778899238,208.18708094014647,176.87445916873642,143.15685573025681,119.2340625851263,105.01378152993935,92.05123301449521,85.364601992305381,82.178994722145674,75.633552179702036,75.561858574702512,{"$error":"#N/A"},null,26,2,null,36,88.289910360333621,{"$f":"'2023 Rates - Males'!AT22","v":68.670024438522532},{"$f":"'2023 Rates - Males'!AU22","v":19.61988592181109}]
[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":0},"Attained age:",{"$f":"DISAGE+10","v":67},null,null,null,null,null,1,58,1,8381768.9660311034,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":34.045980063082624},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":44.383922775678201},285365.53911085962,372015.7865119006,43240.227171399383,{"$f":"U18+T17","v":331770.39129576914},1311330.5732937539,253.00286445883739,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,58.25,1,7724387.6404083427,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":29.689988315636345},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.910768958649271},229336.97878916949,300561.86282297503,34473.7090922559,288530.16412436974,1198858.8294259598,240.67067534759232,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,58.5,1,7194488.7987961983,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":25.763466419525724},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.216342681224369},185354.97057343982,253363.58295463721,27640.484237981713,254056.45503211382,1107723.6079570025,229.35004111781583,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,58.75,1,6755770.2452681214,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.611756048043159},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":32.691728164641987},152759.82870263144,{"$f":"O20*Q20/1000","v":220857.80440108216},22598.419072501845,226415.97079413212,1031891.005845935,219.41849430940465,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,59,1,6382152.612164408,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":70.899579687797029},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":121.04149547036253},452491.93770583242,772505.29649646056,66405.985439005584,203817.55172163027,967060.45744830125,210.75988595317608,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},60,1,5157155.3779621152,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.937742063110562},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":60.885363355696519},267851.00579997979,313995.27906900784,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":38071.466103021412},137411.5662826247,756844.39080167795,181.55854486425301,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
[null,null,null,null,null,null,null,null,null,null,null,4,61,1,4575309.093093127,{"$f":"INDEX(DEATH,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.48911527834148},{"$f":"INDEX(RECOVERY,13,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.875486713963902},212702.0718628504,177867.36786082009,29281.13992044975,99340.100179603294,650319.47342627356,152.75584422563878,null,null,"Age Range","19 and","20-24","25-29","30-34","35-39","40-44","45-49","50-54","55-59","60-64","65-69","70-74","75+",null,33,3,null,43,68.791533776065179,{"$f":"'2023 Rates - Males'!AT29","v":45.811919392061057},{"$f":"'2023 Rates - Males'!AU29","v":22.979614384004119}]
[null,null,null,null,null,null,null,null,null,null,null,5,62,1,4184739.6533694565,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.745054413123164},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":22.208467400161719},195615.8828015094,92936.654170019625,26081.364773947251,70058.960259153551,576082.52824154403,121.61271488827158,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,63,1,3896187.1163979275,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":45.594783088052708},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.60220367717713},177645.80644262908,68581.47918722975,22939.877733913585,43977.595485206301,519476.61894836649,84.657506961978328,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,64,1,3649959.8307680688,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.085516653864133},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":14.601081990187502},168210.28456679697,53293.36274993547,21037.717751292716,21037.717751292716,471329.06725020835,44.634882957737666,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,65,0,3428456.1834513363,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":46.812301474414937},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":12.662976053869656},160493.92445154602,43414.458552785625,0,0,428790.03323653247,0,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,66,0,3224547.8004470048,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":47.668620785346732},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.293762596802681},153709.74630373219,36417.277340290741,0,0,390593.34334956639,0,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
[null,null,null,null,null,null,null,null,null,null,null,10,67,0,3034420.7768029822,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":49.004667607889807},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":9.4831136331711114},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":148700.78154970493},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":28775.757037278036},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":0},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":0},355993.24832200859,{"$f":"U29/V29*1000","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":68},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":0},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":2856944.2382159992},50.1770161504638,8.7831017708570602,143352.93718193867,25092.831997914818,0,0,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":324621.78507588978},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,56.505890043954444,{"$f":"'2023 Rates - Males'!AT36","v":28.872762697582541},{"$f":"'2023 Rates - Males'!AU36","v":27.633127346371904}]
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[null,null,null,null,null,null,null,null,null,null,null,31,88,0,484033.16638647718,149.96946229932408,0,72590.193698019255,0,0,0,29010.139154311641,null,null,null,"PROBABILITY OF DEATH (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,9,null,70,59.250199854344423,{"$f":"'2023 Rates - Males'!AT56","v":7.5062316256013375},{"$f":"'2023 Rates - Males'!AU56","v":51.743968228743086}]
[null,null,null,null,null,null,null,null,null,null,null,32,89,0,411442.97268845793,162.42207180488748,0,66827.42005362107,0,0,0,23883.29703061594,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
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[null,null,null,null,null,null,null,null,null,null,null,34,91,0,284093.78687569965,189.2661839627138,0,53769.346929480176,0,0,0,15469.14270591346,null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,9,null,73,64.252002187237338,{"$f":"'2023 Rates - Males'!AT59","v":5.3570132995325439},{"$f":"'2023 Rates - Males'!AU59","v":58.894988887704798}]
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[null,null,null,null,null,null,null,null,null,null,null,83,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,84,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,85,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,86,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,87,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,88,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,89,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,90,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,91,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,92,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,93,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,94,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,95,"               *",{"$f":"IF($M114<>\"               *\",VLOOKUP(TRUNC(M114),DBTABLE,DBOPT+1),\" \")","v":" "}," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,96,"               *"," "," "," "," "," "," "," "," "," "]
[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":57},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":68600.02127104855}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Att","Dth Ben",null,"    (d)","    (r)","     (d)","     (r)","     (d)","     (d)","      (T)","Disability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Age","Factor","Lx","qx","qx","dx","dx","Cx","Mx","Dx","Res/$1000"]
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[null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ASSUMPTIONS",null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - SELECT PERIOD",null,null,null,null,null,null,null,null,null,null,null,null,null,"2023 GRP LIFE DISABILITY VALUATION TABLE - TERMINATION RATES PER 1,000 LIVES"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PROBABILITY OF DEATH OR RECOVERY - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COL OFFSET@@",null,null,"ULTIMATE PERIOD@@@"]
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[null,"Reserve at duration 10:",null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,11)","v":0},"Attained age:",{"$f":"DISAGE+10","v":72},null,null,null,null,null,1,63,1,8484108.0516286008,{"$f":"INDEX(DEATH,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":35.748279066236755},{"$f":"INDEX(RECOVERY,6,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":38.22139348621959},303292.26225772541,324274.43222090061,39164.940356085484,181106.10545709849,1131181.751231506,160.10345398511788,null,null,"6",150.75750599149092,154.45061592675845,142.93228356320998,115.61635688359061,95.26093368670287,82.875870840685664,76.012465784280607,70.900217015018924,68.95352181328488,69.137758796801322,69.459674266319055,71.037362885900592,{"$error":"#N/A"},null,27,2,null,37,87.610009128269041,{"$f":"'2023 Rates - Males'!AT23","v":67.990123206457952},{"$f":"'2023 Rates - Males'!AU23","v":19.61988592181109}]
[null,null,null,null,null,null,null,null,null,null,null,1.25,63.25,1,7856541.3571499754,{"$f":"INDEX(DEATH,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":31.174487731418161},{"$f":"INDEX(RECOVERY,7,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":33.508165078975196},244923.65214985129,263258.2847451772,31375.766958426,141941.165101013,1039166.3742376803,136.59137614526767,null,null,"7",121.41693956297361,125.37939512936912,121.95510341914188,97.95878426497552,81.32576948066162,72.023812096109992,67.103133003991019,63.669300585968109,63.196986765229838,64.272739886073822,73.237347875240474,78.576973503376522,{"$error":"#N/A"},null,28,2,null,38,83.803811163128643,{"$f":"'2023 Rates - Males'!AT24","v":63.660191120201453},{"$f":"'2023 Rates - Males'!AU24","v":20.143620042927193}]
[null,null,null,null,null,null,null,null,null,null,null,1.5,63.5,1,7348359.4202549467,{"$f":"INDEX(DEATH,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":27.051639740502011},{"$f":"INDEX(RECOVERY,8,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":30.326695041525834},198785.17172046105,222851.45519359535,25262.428311639047,110565.398142587,964209.84021589148,114.66943556376778,null,null,"8",107.36379416872461,112.69209111895483,107.12096830575004,86.57532391125217,73.371036132024599,65.834246936564156,61.242885860184877,59.278984401072975,60.686598644051635,62.604576544256027,75.102048430340133,80.484532396762958,{"$error":"#N/A"},null,29,2,null,39,80.287344300902561,{"$f":"'2023 Rates - Males'!AT25","v":59.606009554570747},{"$f":"'2023 Rates - Males'!AU25","v":20.681334746331821}]
[null,null,null,null,null,null,null,null,null,null,null,1.75,63.75,1,6926722.7933408907,{"$f":"INDEX(DEATH,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":23.742343850445312},{"$f":"INDEX(RECOVERY,9,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":28.152613103635595},164456.63431621646,{"$f":"O20*Q20/1000","v":195005.3468770601},20733.374472685959,85302.969830947957,901646.83309675613,94.607962563313365,null,null,"9",93.972520896165747,99.784328174795419,97.891415577490292,79.12183152884279,67.769166580534559,61.31412582267653,57.62628998112627,56.395720334957964,59.475277528284593,61.883315333521189,73.950789636269818,78.725535864141094,{"$error":"#N/A"},null,30,3,null,40,77.043420644674654,{"$f":"'2023 Rates - Males'!AT26","v":55.810017414354512},{"$f":"'2023 Rates - Males'!AU26","v":21.233403230320146}]
[null,null,null,null,null,null,null,null,null,null,null,2,64,1,6567260.8121476145,{"$f":"INDEX(DEATH,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":78.613606753327844},{"$f":"INDEX(RECOVERY,11,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":98.045809347679452},516276.05893271306,643892.40152431151,64569.595358261991,64569.595358261991,848047.93929116253,76.139086443901078,null,null,"10",91.006558738990194,97.429325085803725,91.258717766432937,74.277490424603883,64.558507927201461,58.186929475696502,55.114565375351887,54.30433853135257,58.962383382149412,61.7539384948129,76.024007742194016,82.586046027050415,{"$error":"#N/A"},null,31,3,null,41,74.05598063316512,{"$f":"'2023 Rates - Males'!AT27","v":52.255771977805637},{"$f":"'2023 Rates - Males'!AU27","v":21.800208655359491}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"L21+1","v":3},65,0,5407092.3516905895,{"$f":"INDEX(DEATH,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":57.58868033046889},{"$f":"INDEX(RECOVERY,12,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":48.240164723240348},311387.3129588326,260839.02571932707,{"$f":"N22*R22*(1+IRATE)^(-M22-1)","v":0},0,676254.0295499498,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,3,null,42,71.310022083358291,{"$f":"'2023 Rates - Males'!AT28","v":48.927877673338287},{"$f":"'2023 Rates - Males'!AU28","v":22.382144410020011}]
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[null,null,null,null,null,null,null,null,null,null,null,5,67,0,4437541.5844467999,{"$f":"INDEX(DEATH,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.831017073415317},{"$f":"INDEX(RECOVERY,14,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":17.306741723386001},230002.29362745254,76799.386088805855,0,0,520605.07075607119,0,null,null,null,"Under",null,null,null,null,null,null,null,null,null,null,null,null,null,34,3,null,44,66.416292576425022,{"$f":"'2023 Rates - Males'!AT30","v":42.823259327960834},{"$f":"'2023 Rates - Males'!AU30","v":23.593033248464184}]
[null,null,null,null,null,null,null,null,null,null,null,6,68,0,4130739.9047305421,{"$f":"INDEX(DEATH,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":50.555593749230468},{"$f":"INDEX(RECOVERY,15,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":13.717146136843356},208832.00850729225,56661.962926479253,0,0,469357.48469321674,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,4,null,45,64.185308397475993,{"$f":"'2023 Rates - Males'!AT31","v":39.962481653672931},{"$f":"'2023 Rates - Males'!AU31","v":24.222826743803065}]
[null,null,null,null,null,null,null,null,null,null,null,7,69,0,3865245.9332967708,{"$f":"INDEX(DEATH,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.099720184580789},{"$f":"INDEX(RECOVERY,16,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":11.504856359675239},197512.98563605381,44469.099257398208,0,0,425366.19192827871,0,null,null,null,null,"                     (r)",null,null,null,null,null,null,null,null,null,null,null,null,36,4,null,46,62.099048328997313,{"$f":"'2023 Rates - Males'!AT32","v":37.229616353840157},{"$f":"'2023 Rates - Males'!AU32","v":24.869431975157156}]
[null,null,null,null,null,null,null,null,null,null,null,8,70,0,3623263.8484033188,{"$f":"INDEX(DEATH,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":51.905580759899586},{"$f":"INDEX(RECOVERY,17,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":9.9777345736216017},188067.61429772302,36151.964969567052,0,0,386185.2993766258,0,null,null,"PROBABILITY OF RECOVERY (1,000Q[X]+T) - SELECT PERIOD@",null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,4,null,47,60.15747217811402,{"$f":"'2023 Rates - Males'!AT33","v":34.624174462346922},{"$f":"'2023 Rates - Males'!AU33","v":25.533297715767098}]
[null,null,null,null,null,null,null,null,null,null,null,9,71,0,3399044.2691360288,{"$f":"INDEX(DEATH,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":52.855069457312268},{"$f":"INDEX(RECOVERY,18,VLOOKUP(DISAGE,COLTABLE,2)+1)","v":8.8988690375006279},179656.72093366404,30247.649803708558,0,0,350883.16970279103,0,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,38,4,null,48,58.360060574629458,{"$f":"'2023 Rates - Males'!AT34","v":32.145175856182746},{"$f":"'2023 Rates - Males'!AU34","v":26.214884718446715}]
[null,null,null,null,null,null,null,null,null,null,null,10,72,0,3189139.8983986559,{"$f":"IF($M29<>\"               *\",MINA(VLOOKUP(M29,ULTRATES,4),1000),\" \")","v":55.830265748149777},{"$f":"IF($M29<>\"               *\",VLOOKUP(M29,ULTRATES,3),\" \")","v":6.1078387807507957},{"$f":"IF($M29<>\"               *\",O29*P29/1000,\" \")","v":178050.52803562436},{"$f":"IF($M29<>\"               *\",O29*Q29/1000,\" \")","v":19478.752348678961},{"$f":"IF($M29<>\"               *\",N29*R29*(1+IRATE)^(-M29-1),\" \")","v":0},{"$f":"IF($M29<>\"               *\",U30+T29,\" \")","v":0},318852.06006983033,{"$f":"U29/V29*1000","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,4,null,49,57.398673255513842,{"$f":"'2023 Rates - Males'!AT35","v":30.484007220147607},{"$f":"'2023 Rates - Males'!AU35","v":26.914666035366235}]
[null,null,null,null,null,null,null,null,null,null,null,11,{"$f":"IF(DISAGE+L30<=121,DISAGE+L30,\"               *\")","v":73},{"$f":"IF($M30<>\"               *\",VLOOKUP(TRUNC(M30),DBTABLE,DBOPT+1),\" \")","v":0},{"$f":"IF($M30<>\"               *\",O29-R29-S29,\" \")","v":2991610.6180143524},58.894988887704798,5.3570132995325439,176190.87410429496,16026.097867725659,0,0,{"$f":"IF($M30<>\"               *\",O30*(1+IRATE)^(-M30),\" \")","v":289688.10444936552},null,null,null,"Year of Dis.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,5,null,50,56.505890043954444,{"$f":"'2023 Rates - Males'!AT36","v":28.872762697582541},{"$f":"'2023 Rates - Males'!AU36","v":27.633127346371904}]
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[null,null,null,null,null,null,null,null,null,null,null,32,94,0,205228.94999843446,229.42767017510099,0,47085.199850623118,0,0,0,10152.498928344117,null,null,null," Central Age =>",17,22,27,32,37,42,47,52,57,62,67,72,73,null,61,9,null,71,60.616418454475976,{"$f":"'2023 Rates - Males'!AT57","v":6.829301466029551},{"$f":"'2023 Rates - Males'!AU57","v":53.787116988446428}]
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[null,null,null,null,null,null,null,null,null,null,null,97,"               *"," "," "," "," "," "," "," "," "," "]
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[]
[null,null,null,null,null,null,null,null,null,null,null,"FOOTNOTES:"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Duration, in years, following disablement."]
[null,null,null,null,null,null,null,null,null,null,null,"Col(7) = Col(1) x Col(5)"]
[null,null,null,null,null,null,null,null,null,null,null,"Exceeds maximum age, per the mortality table."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null," 2023 GRP LIFE DISABILITY VALUATION TABLE - ULTIMATE PERIOD"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Central Age at Disability:",null,null,{"$f":"DISAGE","v":62},"    Valuation Interest Rate:",null,null,{"$f":"IRATE","v":3.2500000000000001E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Mortality Rate Factor:",null,null,{"$f":"MORT","v":0},"Diagnosis Group - Death",null,null,{"$f":"MortDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Recovery Rate Factor:",null,null,{"$f":"RECOV","v":0},"Diagnosis Group - Recovery",null,null,{"$f":"RecovDiagGroup","v":"Unclassified"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reserve at duration 10:",null,null,{"$f":"VLOOKUP(DISAGE+10,RESERVES_ULT,10)","v":43063.394960618672}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Col (1)","Col (2)","Col (3)","Col (4)","Col (5)","Col (6)","Col (7)#","Col (8)","Col (9)","Col (10)"]
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