diff --git a/pymort/table_xml/t28001.xml b/pymort/table_xml/t28001.xml
new file mode 100644
index 0000000..16983a2
--- /dev/null
+++ b/pymort/table_xml/t28001.xml
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+ Ecuadorian Social Security Institute
+ "Life Tables for the Ecuadorian Social Security Institute (IESS)", Ecuadorian Social Security Institute, IESS. (2024). Accessed: November 2024 from https://www.iess.gob.ec/documents/10162/28917097/Tablas_Mortalidad_IESS_2020_es-signed-signed.pdf
+ Life Table
+ 2020 Ecuadorian Social Security Institute Life Tables - IESS 2020, Female Active Employees
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 1: Life Table IESS 2020, Female Active Employees - Rates by Attained Age. Minimum Age: 15. Maximum Age: 105.
+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
+ Life Table
+ Ecuador
+
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+ 2020 Ecuadorian Social Security Institute Life Tables - Table 1: Life Table IESS 2020, Female Active Employees - Rates by Attained Age. Rates - ux. Minimum Age: 15. Maximum Age: 105.
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\ No newline at end of file
diff --git a/pymort/table_xml/t28002.xml b/pymort/table_xml/t28002.xml
new file mode 100644
index 0000000..97e84cb
--- /dev/null
+++ b/pymort/table_xml/t28002.xml
@@ -0,0 +1,565 @@
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+ 28002
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+ Life Table
+ 2020 Ecuadorian Social Security Institute Life Tables - IESS 2020, Male Active Employees
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 2: Life Table IESS 2020, Male Active Employees - Rates by Attained Age. Minimum Age: 15. Maximum Age: 105.
+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
+ Life Table
+ Ecuador
+
+
+
+ 0
+ Floating Point
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+ 2020 Ecuadorian Social Security Institute Life Tables - Table 2: Life Table IESS 2020, Male Active Employees - Rates by Attained Age. Rates - ux. Minimum Age: 15. Maximum Age: 105.
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diff --git a/pymort/table_xml/t28003.xml b/pymort/table_xml/t28003.xml
new file mode 100644
index 0000000..f4da7d3
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+++ b/pymort/table_xml/t28003.xml
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+ Life Table
+ 2020 Ecuadorian Social Security Institute Life Tables - IESS 2020, Female Old Age Pensioners
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 3: Life Table IESS 2020, Female Old Age Pensioners - Rates by Attained Age. Minimum Age: 55. Maximum Age: 105.
+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
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diff --git a/pymort/table_xml/t28004.xml b/pymort/table_xml/t28004.xml
new file mode 100644
index 0000000..eeaa635
--- /dev/null
+++ b/pymort/table_xml/t28004.xml
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+ Life Table
+ 2020 Ecuadorian Social Security Institute Life Tables - IESS 2020, Male Old Age Pensioners
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 4: Life Table IESS 2020, Male Old Age Pensioners - Rates by Attained Age. Minimum Age: 55. Maximum Age: 105.
+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
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diff --git a/pymort/table_xml/t28005.xml b/pymort/table_xml/t28005.xml
new file mode 100644
index 0000000..d4bf7d7
--- /dev/null
+++ b/pymort/table_xml/t28005.xml
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+ Life Table
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+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 5: Life Table IESS 2020, Female Disability Pensioners - Rates by Attained Age. Rates - qx. Minimum Age: 15. Maximum Age: 105.
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 5: Life Table IESS 2020, Female Disability Pensioners - Rates by Attained Age. Rates - px. Minimum Age: 15. Maximum Age: 105.
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 5: Life Table IESS 2020, Female Disability Pensioners - Rates by Attained Age. - ex. Minimum Age: 15. Maximum Age: 105.
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\ No newline at end of file
diff --git a/pymort/table_xml/t28006.xml b/pymort/table_xml/t28006.xml
new file mode 100644
index 0000000..1334bda
--- /dev/null
+++ b/pymort/table_xml/t28006.xml
@@ -0,0 +1,565 @@
+
+
+
+ 28006
+ soa.org
+ Ecuadorian Social Security Institute
+ "Life Tables for the Ecuadorian Social Security Institute (IESS)", Ecuadorian Social Security Institute, IESS. (2024). Accessed: November 2024 from https://www.iess.gob.ec/documents/10162/28917097/Tablas_Mortalidad_IESS_2020_es-signed-signed.pdf
+ Life Table
+ 2020 Ecuadorian Social Security Institute Life Tables - IESS 2020, Male Disability Pensioners
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. Minimum Age: 15. Maximum Age: 105.
+ Study Data: The raw data from IESS was thoroughly processed and stored in binary files for further analysis using R. The project required extensive effort to obtain and process data from a public institution in Ecuador, highlighting differences in cultural values regarding transparency and standardization compared to more developed countries.
+ Life Table
+ Ecuador
+
+
+
+ 0
+ Floating Point
+ Ecuador
+ 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. Rates - ux. Minimum Age: 15. Maximum Age: 105.
+
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. Rates - lx. Minimum Age: 15. Maximum Age: 105.
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. Rates - qx. Minimum Age: 15. Maximum Age: 105.
+
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. Rates - px. Minimum Age: 15. Maximum Age: 105.
+
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+ 2020 Ecuadorian Social Security Institute Life Tables - 2020 Ecuadorian Social Security Institute Life Tables - Table 6: Life Table IESS 2020, Male Disability Pensioners - Rates by Attained Age. - ex. Minimum Age: 15. Maximum Age: 105.
+
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\ No newline at end of file
diff --git a/pymort/table_xml/t2843.xml b/pymort/table_xml/t2843.xml
index aea478c..bd33a9c 100644
--- a/pymort/table_xml/t2843.xml
+++ b/pymort/table_xml/t2843.xml
@@ -5,7 +5,7 @@
soa.org
Susie Lee
Anthony J. Houghton and Ronald M. Wolf, "Development of the 1974 Medical Expense Tables", Transactions of the Society of Actuaries, Vol. 30 (1978) Accessed: July, 2014 from https://www.soa.org/Library/Research/Transactions-Of-Society-Of-Actuaries/1978/January/tsa78v303.pdf
- Claim Cost (in Disability)
+ Claim Cost
1974 Medical Expense Tables: $10 Daily Hospital Benefit - Male
1974 Medical Expense Tables: $10 Daily Hospital Benefit - Male. Minimum Age: 15. Maximum Age: 99
Study Data: The sources of hospital frequency rates used in the 1974 Medical Expense Tables are the crude frequencies of hospitalization for individually underwritten lives for a daily hospital benefit with a 90-day maximum benefit period and no deductible. These frequencies, displayed in Transactions of the Society of Actuaries 1972 Reports and 1974 Reports, are based on the aggregate experience for all durations combined. Methodology: In order to eliminate the effects of selection and to bring the frequencies to an ultimate level of experience, each set of the crude frequencies were divided by ratios of aggregate experience for all durations to ultimate experience for durations 3 and later with one exception. The ratio of 100% for females in the 1972 Reports appeared to be illogical and was adjusted empirically to 98%. The two sets of crude frequency rates, adjusted to reflect experience in durations 3 and later, were combined into one set of crude frequency rates by weighting the two sets by the respective amounts of daily hospital benefits in force on claims in the two reports. For male lives the graduation method that gives a satisfactory combination of smoothness and fidelity to the crude data is to interpolate separately the crude frequency rates for every tenth attained age. Interpolations were then performed by passing a different cubic polynomial through each pair of consecutive points and then fitting these curves together to produce one smooth, continuous curve. The curve between each pair of consecutive points is determined by the three points on each side of the interval of interpolation. The exact method employed is taken from a paper written by Hiroshi Akima for
@@ -36,7 +36,7 @@ then averaged to produce final graduated frequency rates. The resulting frequenc
6.11
5.72
5.39
- 512
+ 5.12
4.89
4.72
4.6
diff --git a/pymort/table_xml/t3601.xml b/pymort/table_xml/t3601.xml
index d2d8e41..b9fefb2 100644
--- a/pymort/table_xml/t3601.xml
+++ b/pymort/table_xml/t3601.xml
@@ -1771,108 +1771,107 @@
0
Floating Point
United States of America
- 1975-80 Mortality Tables with Manulife Extensions – Male, Age Nearest Birthday. Minimum Age: 0. Maximum Age: 90.
+ 1975-80 Mortality Tables with Manulife Extensions – Male, Age Nearest Birthday. Minimum Age: 15. Maximum Age: 104.
Age
Age
- 0
- 90
+ 15
+ 104
1
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- 0.03157
- 0.03468
- 0.038
- 0.0416
- 0.04554
- 0.0499
- 0.05471
- 0.06003
- 0.06585001
- 0.07218
- 0.07902
- 0.08636001
- 0.09412001
- 0.10235
- 0.11141
- 0.12131
- 0.13205
- 0.14363
- 0.15605
- 0.16912
- 0.18261
- 0.19652
- 0.21085
- 0.2256
- 0.24077
- 0.25636
- 0.27237
- 0.2888
- 0.30565
- 0.32292
- 0.34061
- 0.35872
- 0.37725
- 0.3962
- 0.41557
- 0.43536
+ 0.00068
+ 0.00101
+ 0.00114
+ 0.00122
+ 0.00131
+ 0.00137
+ 0.0014
+ 0.00141
+ 0.0014
+ 0.00138
+ 0.00134
+ 0.00129
+ 0.00124
+ 0.0012
+ 0.00117
+ 0.00114
+ 0.00112
+ 0.00111
+ 0.00112
+ 0.00114
+ 0.00117
+ 0.00122
+ 0.00128
+ 0.00136
+ 0.00145
+ 0.00156
+ 0.0017
+ 0.00187
+ 0.00207
+ 0.00231
+ 0.00258
+ 0.00289
+ 0.00324
+ 0.00361
+ 0.00402
+ 0.00445
+ 0.00492
+ 0.005440001
+ 0.006
+ 0.006610001
+ 0.00727
+ 0.008010001
+ 0.00882
+ 0.00973
+ 0.01075
+ 0.01189
+ 0.01317
+ 0.01457
+ 0.01607
+ 0.01771
+ 0.0195
+ 0.02147
+ 0.02365
+ 0.02605
+ 0.02869
+ 0.03157
+ 0.03468
+ 0.038
+ 0.0416
+ 0.04554
+ 0.0499
+ 0.05471
+ 0.06003
+ 0.06585001
+ 0.07218
+ 0.07902
+ 0.08636001
+ 0.09412001
+ 0.10235
+ 0.11141
+ 0.12131
+ 0.13205
+ 0.14363
+ 0.15605
+ 0.16912
+ 0.18261
+ 0.19652
+ 0.21085
+ 0.2256
+ 0.24077
+ 0.25636
+ 0.27237
+ 0.2888
+ 0.30565
+ 0.32292
+ 0.34061
+ 0.35872
+ 0.37725
+ 0.3962
+ 0.41557
diff --git a/pymort/table_xml/t3602.xml b/pymort/table_xml/t3602.xml
index 46e68ca..cba0010 100644
--- a/pymort/table_xml/t3602.xml
+++ b/pymort/table_xml/t3602.xml
@@ -1771,108 +1771,107 @@
0
Floating Point
United States of America
- 1975-80 Mortality Tables with Manulife Extensions – Female, Age Nearest Birthday. Minimum Age: 0. Maximum Age: 90.
+ 1975-80 Mortality Tables with Manulife Extensions – Female, Age Nearest Birthday. Minimum Age: 15. Maximum Age: 104.
Age
Age
- 0
- 90
+ 15
+ 104
1
- 0.00036
- 0.0004
- 0.00044
- 0.00047
- 0.00049
- 0.00051
- 0.00052
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00054
- 0.00055
- 0.00058
- 0.00061
- 0.00065
- 0.0007
- 0.00077
- 0.00084
- 0.00093
- 0.00103
- 0.00115
- 0.00129
- 0.00145
- 0.00162
- 0.00179
- 0.00196
- 0.00214
- 0.00233
- 0.00252
- 0.00272
- 0.00293
- 0.00317
- 0.00343
- 0.00371
- 0.00404
- 0.004400001
- 0.0048
- 0.00523
- 0.0057
- 0.00622
- 0.00678
- 0.00737
- 0.008
- 0.00867
- 0.009380001
- 0.01015
- 0.01099
- 0.01191
- 0.01292
- 0.01403
- 0.01525
- 0.01663
- 0.01821
- 0.02004
- 0.02217
- 0.02465
- 0.02753
- 0.03086
- 0.03469
- 0.03907
- 0.044
- 0.04948
- 0.05551
- 0.06209
- 0.06922001
- 0.07690001
- 0.08513
- 0.09391001
- 0.10324
- 0.11312
- 0.12355
- 0.13453
- 0.14606
- 0.15814
- 0.17077
- 0.18395
- 0.19768
- 0.21196
- 0.22679
- 0.24217
- 0.2581
- 0.27458
- 0.29161
- 0.30919
- 0.32732
- 0.346
- 0.36523
+ 0.00036
+ 0.0004
+ 0.00044
+ 0.00047
+ 0.00049
+ 0.00051
+ 0.00052
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00054
+ 0.00055
+ 0.00058
+ 0.00061
+ 0.00065
+ 0.0007
+ 0.00077
+ 0.00084
+ 0.00093
+ 0.00103
+ 0.00115
+ 0.00129
+ 0.00145
+ 0.00162
+ 0.00179
+ 0.00196
+ 0.00214
+ 0.00233
+ 0.00252
+ 0.00272
+ 0.00293
+ 0.00317
+ 0.00343
+ 0.00371
+ 0.00404
+ 0.004400001
+ 0.0048
+ 0.00523
+ 0.0057
+ 0.00622
+ 0.00678
+ 0.00737
+ 0.008
+ 0.00867
+ 0.009380001
+ 0.01015
+ 0.01099
+ 0.01191
+ 0.01292
+ 0.01403
+ 0.01525
+ 0.01663
+ 0.01821
+ 0.02004
+ 0.02217
+ 0.02465
+ 0.02753
+ 0.03086
+ 0.03469
+ 0.03907
+ 0.044
+ 0.04948
+ 0.05551
+ 0.06209
+ 0.06922001
+ 0.07690001
+ 0.08513
+ 0.09391
+ 0.10324
+ 0.11312
+ 0.12355
+ 0.13453
+ 0.14606
+ 0.15814
+ 0.17077
+ 0.18395
+ 0.19768
+ 0.21196
+ 0.22679
+ 0.24217
+ 0.2581
+ 0.27458
+ 0.29161
+ 0.30919
+ 0.32732
+ 0.346
diff --git a/pymort/table_xml/t3603.xml b/pymort/table_xml/t3603.xml
index c0af548..5b8b0a3 100644
--- a/pymort/table_xml/t3603.xml
+++ b/pymort/table_xml/t3603.xml
@@ -1771,108 +1771,107 @@
0
Floating Point
United States of America
- 1975-80 Mortality Tables with Manulife Extensions – Male, Age Last Birthday. Minimum Age: 0. Maximum Age: 90.
+ 1975-80 Mortality Tables with Manulife Extensions – Male, Age Last Birthday. Minimum Age: 15. Maximum Age: 104.
Age
Age
- 0
- 90
+ 15
+ 104
1
- 0.00085
- 0.00108
- 0.00118
- 0.00127
- 0.00134
- 0.00139
- 0.00141
- 0.00141
- 0.00139
- 0.00136
- 0.00132
- 0.00127
- 0.00122
- 0.00119
- 0.00116
- 0.00113
- 0.00112
- 0.00112
- 0.00113
- 0.00116
- 0.0012
- 0.00125
- 0.00132
- 0.00141
- 0.00151
- 0.00163
- 0.00179
- 0.00197
- 0.00219
- 0.00245
- 0.00274
- 0.00307
- 0.00343
- 0.00382
- 0.00424
- 0.004690001
- 0.00518
- 0.00572
- 0.00631
- 0.00694
- 0.00764
- 0.008420001
- 0.00928
- 0.01024
- 0.01132
- 0.01253
- 0.01387
- 0.01532
- 0.01689
- 0.01861
- 0.02049
- 0.02256
- 0.02485
- 0.02737
- 0.03013
- 0.03313
- 0.03634
- 0.0398
- 0.04357
- 0.04772001
- 0.05231001
- 0.05737
- 0.06294
- 0.06902
- 0.07560001
- 0.08269001
- 0.09024001
- 0.09824001
- 0.10688
- 0.11636
- 0.12668
- 0.13784
- 0.14984
- 0.16259
- 0.17587
- 0.18957
- 0.20369
- 0.21823
- 0.23319
- 0.24857
- 0.26437
- 0.28059
- 0.29723
- 0.31429
- 0.33177
- 0.34967
- 0.36799
- 0.38673
- 0.40589
- 0.42547
- 0.44547
+ 0.00085
+ 0.00108
+ 0.00118
+ 0.00127
+ 0.00134
+ 0.00139
+ 0.00141
+ 0.00141
+ 0.00139
+ 0.00136
+ 0.00132
+ 0.00127
+ 0.00122
+ 0.00119
+ 0.00116
+ 0.00113
+ 0.00112
+ 0.00112
+ 0.00113
+ 0.00116
+ 0.0012
+ 0.00125
+ 0.00132
+ 0.00141
+ 0.00151
+ 0.00163
+ 0.00179
+ 0.00197
+ 0.00219
+ 0.00245
+ 0.00274
+ 0.00307
+ 0.00343
+ 0.00382
+ 0.00424
+ 0.004690001
+ 0.00518
+ 0.00572
+ 0.00631
+ 0.00694
+ 0.00764
+ 0.008420001
+ 0.00928
+ 0.01024
+ 0.01132
+ 0.01253
+ 0.01387
+ 0.01532
+ 0.01689
+ 0.01861
+ 0.02049
+ 0.02256
+ 0.02485
+ 0.02737
+ 0.03013
+ 0.03313
+ 0.03634
+ 0.0398
+ 0.04357
+ 0.04772001
+ 0.05231001
+ 0.05737
+ 0.06294
+ 0.06902
+ 0.07560001
+ 0.08269001
+ 0.09024001
+ 0.09824001
+ 0.10688
+ 0.11636
+ 0.12668
+ 0.13784
+ 0.14984
+ 0.16259
+ 0.17587
+ 0.18957
+ 0.20369
+ 0.21823
+ 0.23319
+ 0.24857
+ 0.26437
+ 0.28059
+ 0.29723
+ 0.31429
+ 0.33177
+ 0.34967
+ 0.36799
+ 0.38673
+ 0.40589
+ 0.42547
diff --git a/pymort/table_xml/t3604.xml b/pymort/table_xml/t3604.xml
index 1d2771d..848b0f6 100644
--- a/pymort/table_xml/t3604.xml
+++ b/pymort/table_xml/t3604.xml
@@ -1771,108 +1771,107 @@
0
Floating Point
United States of America
- 1975-80 Mortality Tables with Manulife Extensions – Female, Age Last Birthday. Minimum Age: 0. Maximum Age: 90.
+ 1975-80 Mortality Tables with Manulife Extensions – Female, Age Last Birthday. Minimum Age: 15. Maximum Age: 104.
Age
Age
- 0
- 90
+ 15
+ 104
1
- 0.00038
- 0.00042
- 0.00046
- 0.00048
- 0.0005
- 0.00052
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00053
- 0.00054
- 0.00055
- 0.00057
- 0.0006
- 0.00063
- 0.00068
- 0.00074
- 0.00081
- 0.00089
- 0.00098
- 0.00109
- 0.00122
- 0.00137
- 0.00154
- 0.00171
- 0.00188
- 0.00205
- 0.00224
- 0.00243
- 0.00262
- 0.00283
- 0.00305
- 0.0033
- 0.00357
- 0.00388
- 0.00422
- 0.0046
- 0.00502
- 0.00547
- 0.00596
- 0.0065
- 0.00708
- 0.007690001
- 0.00834
- 0.009030001
- 0.009770001
- 0.01057
- 0.01145
- 0.01242
- 0.01348
- 0.01464
- 0.01594
- 0.01742
- 0.01913
- 0.02111
- 0.02341
- 0.02609
- 0.0292
- 0.03278
- 0.03688
- 0.04154
- 0.04674
- 0.0525
- 0.0588
- 0.06566
- 0.07306
- 0.08102
- 0.08952
- 0.09858001
- 0.10818
- 0.11834
- 0.12904
- 0.1403
- 0.1521
- 0.16446
- 0.17736
- 0.19082
- 0.20482
- 0.21938
- 0.23448
- 0.25014
- 0.26634
- 0.2831
- 0.3004
- 0.31826
- 0.33666
- 0.35562
- 0.37512
+ 0.00038
+ 0.00042
+ 0.00046
+ 0.00048
+ 0.0005
+ 0.00052
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00053
+ 0.00054
+ 0.00055
+ 0.00057
+ 0.0006
+ 0.00063
+ 0.00068
+ 0.00074
+ 0.00081
+ 0.00089
+ 0.00098
+ 0.00109
+ 0.00122
+ 0.00137
+ 0.00154
+ 0.00171
+ 0.00188
+ 0.00205
+ 0.00224
+ 0.00243
+ 0.00262
+ 0.00283
+ 0.00305
+ 0.0033
+ 0.00357
+ 0.00388
+ 0.00422
+ 0.0046
+ 0.00502
+ 0.00547
+ 0.00596
+ 0.0065
+ 0.00708
+ 0.007690001
+ 0.00834
+ 0.009030001
+ 0.009770001
+ 0.01057
+ 0.01145
+ 0.01242
+ 0.01348
+ 0.01464
+ 0.01594
+ 0.01742
+ 0.01913
+ 0.02111
+ 0.02341
+ 0.02609
+ 0.0292
+ 0.03278
+ 0.03688
+ 0.04154
+ 0.04674
+ 0.0525
+ 0.0588
+ 0.06566
+ 0.07306
+ 0.08102
+ 0.08952
+ 0.09858
+ 0.10818
+ 0.11834
+ 0.12904
+ 0.1403
+ 0.1521
+ 0.16446
+ 0.17736
+ 0.19082
+ 0.20482
+ 0.21938
+ 0.23448
+ 0.25014
+ 0.26634
+ 0.2831
+ 0.3004
+ 0.31826
+ 0.33666
+ 0.35562
diff --git a/pymort/table_xml/t3611.xml b/pymort/table_xml/t3611.xml
new file mode 100644
index 0000000..dc77e50
--- /dev/null
+++ b/pymort/table_xml/t3611.xml
@@ -0,0 +1,9231 @@
+
+
+
+ 3611
+ soa.org
+ Retirement Plans Experience Committee
+ Retirement Plans Experience Committee, "Mortality Improvement Scale MP-2021", Society of Actuaries, (2021). Accessed: October, 2024 from https://www.soa.org/resources/experience-studies/2021/mortality-improvement-scale-mp-2021/
+ Projection Scale
+ Scale MP-2021 Female
+ Scale MP-2021 Female
+ This update to Scale MP-2021 and its predecessors reflects historical U.S. population mortality experience through 2018. Rates for years beyond 2037 are equal to the rates for the year 2037.
+ Generational
+ Projection Scale
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ Scale MP-2021 Female
+
+ Age
+ Age
+ 20
+ 120
+ 1
+
+
+ Ordinal Date
+ Year
+ 1951
+ 2036
+ 1
+
+
+
+
+
+ 0.0667
+ 0.0602
+ 0.0537
+ 0.0468
+ 0.0398
+ 0.0331
+ 0.0269
+ 0.0209
+ 0.0149
+ 0.0088
+ 0.0025
+ -0.0035
+ -0.0089
+ -0.0131
+ -0.016
+ -0.0173
+ -0.0165
+ -0.0135
+ -0.0084
+ -0.0019
+ 0.0051
+ 0.0115
+ 0.0167
+ 0.0198
+ 0.021
+ 0.0209
+ 0.0207
+ 0.0215
+ 0.0231
+ 0.0247
+ 0.0251
+ 0.0236
+ 0.02
+ 0.0152
+ 0.0105
+ 0.007
+ 0.0055
+ 0.0058
+ 0.0074
+ 0.0096
+ 0.0117
+ 0.0136
+ 0.0148
+ 0.0154
+ 0.0152
+ 0.0141
+ 0.0118
+ 0.0087
+ 0.005
+ 0.0017
+ -0.0005
+ -0.0008
+ 0.0014
+ 0.0061
+ 0.0124
+ 0.0192
+ 0.0251
+ 0.0286
+ 0.0286
+ 0.025
+ 0.0182
+ 0.0092
+ -0.0003
+ -0.0088
+ -0.0146
+ -0.0167
+ -0.0154
+ -0.0149
+ -0.0135
+ -0.0114
+ -0.0088
+ -0.0059
+ -0.0029
+ 0
+ 0.0026
+ 0.0048
+ 0.0063
+ 0.0074
+ 0.0084
+ 0.0094
+ 0.0104
+ 0.0112
+ 0.012
+ 0.0126
+ 0.0131
+ 0.0134
+ 0.0135
+
+
+
+
+ 0.0691
+ 0.0618
+ 0.0544
+ 0.0468
+ 0.0393
+ 0.0322
+ 0.0257
+ 0.0196
+ 0.0137
+ 0.0079
+ 0.0023
+ -0.003
+ -0.0075
+ -0.0111
+ -0.0134
+ -0.0143
+ -0.0135
+ -0.0107
+ -0.0061
+ -0.0002
+ 0.0063
+ 0.0123
+ 0.0171
+ 0.0201
+ 0.0212
+ 0.0212
+ 0.021
+ 0.0215
+ 0.0229
+ 0.0243
+ 0.0247
+ 0.0234
+ 0.0201
+ 0.0156
+ 0.0111
+ 0.0076
+ 0.0059
+ 0.006
+ 0.0074
+ 0.0094
+ 0.0116
+ 0.0136
+ 0.0151
+ 0.016
+ 0.016
+ 0.0147
+ 0.0122
+ 0.0085
+ 0.0042
+ 0.0002
+ -0.0026
+ -0.0036
+ -0.0021
+ 0.0019
+ 0.0074
+ 0.0135
+ 0.0189
+ 0.0223
+ 0.0225
+ 0.0194
+ 0.0134
+ 0.0053
+ -0.0035
+ -0.0112
+ -0.0165
+ -0.0182
+ -0.0166
+ -0.0155
+ -0.014
+ -0.0119
+ -0.0092
+ -0.0062
+ -0.0031
+ -0.0001
+ 0.0026
+ 0.0048
+ 0.0063
+ 0.0074
+ 0.0084
+ 0.0094
+ 0.0104
+ 0.0112
+ 0.012
+ 0.0126
+ 0.0131
+ 0.0134
+ 0.0135
+
+
+
+
+ 0.071
+ 0.0631
+ 0.0551
+ 0.0468
+ 0.0388
+ 0.0313
+ 0.0244
+ 0.0182
+ 0.0125
+ 0.0071
+ 0.0022
+ -0.0023
+ -0.006
+ -0.0088
+ -0.0105
+ -0.0111
+ -0.0103
+ -0.0079
+ -0.0037
+ 0.0018
+ 0.0078
+ 0.0135
+ 0.018
+ 0.0209
+ 0.022
+ 0.0219
+ 0.0215
+ 0.0217
+ 0.0227
+ 0.0237
+ 0.024
+ 0.0228
+ 0.0197
+ 0.0154
+ 0.0109
+ 0.0073
+ 0.0054
+ 0.0053
+ 0.0067
+ 0.0088
+ 0.0111
+ 0.0134
+ 0.0153
+ 0.0167
+ 0.0171
+ 0.016
+ 0.0133
+ 0.0093
+ 0.0044
+ -0.0004
+ -0.0039
+ -0.0056
+ -0.0049
+ -0.0018
+ 0.0029
+ 0.0083
+ 0.0132
+ 0.0164
+ 0.0168
+ 0.0142
+ 0.0088
+ 0.0014
+ -0.0066
+ -0.0138
+ -0.0186
+ -0.02
+ -0.0181
+ -0.0168
+ -0.0147
+ -0.0124
+ -0.0097
+ -0.0066
+ -0.0034
+ -0.0003
+ 0.0025
+ 0.0048
+ 0.0063
+ 0.0074
+ 0.0084
+ 0.0094
+ 0.0104
+ 0.0112
+ 0.012
+ 0.0126
+ 0.0131
+ 0.0134
+ 0.0135
+
+
+
+
+ 0.0724
+ 0.0641
+ 0.0556
+ 0.0469
+ 0.0383
+ 0.0303
+ 0.0232
+ 0.0169
+ 0.0113
+ 0.0064
+ 0.0021
+ -0.0016
+ -0.0045
+ -0.0065
+ -0.0077
+ -0.0081
+ -0.0073
+ -0.005
+ -0.0012
+ 0.0039
+ 0.0096
+ 0.015
+ 0.0194
+ 0.0222
+ 0.0232
+ 0.023
+ 0.0223
+ 0.022
+ 0.0225
+ 0.0231
+ 0.0231
+ 0.0218
+ 0.0188
+ 0.0145
+ 0.0099
+ 0.0061
+ 0.0041
+ 0.004
+ 0.0054
+ 0.0077
+ 0.0103
+ 0.013
+ 0.0154
+ 0.0174
+ 0.0183
+ 0.0177
+ 0.0151
+ 0.0109
+ 0.0054
+ 0
+ -0.0044
+ -0.0068
+ -0.0069
+ -0.0047
+ -0.0009
+ 0.0037
+ 0.0081
+ 0.0111
+ 0.0116
+ 0.0094
+ 0.0045
+ -0.0023
+ -0.0097
+ -0.0165
+ -0.0209
+ -0.022
+ -0.0198
+ -0.0184
+ -0.0161
+ -0.0131
+ -0.0102
+ -0.007
+ -0.0037
+ -0.0005
+ 0.0024
+ 0.0047
+ 0.0063
+ 0.0074
+ 0.0084
+ 0.0094
+ 0.0104
+ 0.0112
+ 0.012
+ 0.0126
+ 0.0131
+ 0.0134
+ 0.0135
+
+
+
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\ No newline at end of file
diff --git a/pymort/table_xml/t3612.xml b/pymort/table_xml/t3612.xml
new file mode 100644
index 0000000..4978319
--- /dev/null
+++ b/pymort/table_xml/t3612.xml
@@ -0,0 +1,9231 @@
+
+
+
+ 3612
+ soa.org
+ Retirement Plans Experience Committee
+ Retirement Plans Experience Committee, "Mortality Improvement Scale MP-2021", Society of Actuaries, (2021). Accessed: October, 2024 from https://www.soa.org/resources/experience-studies/2021/mortality-improvement-scale-mp-2021/
+ Projection Scale
+ Scale MP-2021 Male
+ Scale MP-2021 Male
+ This update to Scale MP-2021 and its predecessors reflects historical U.S. population mortality experience through 2018. Rates for years beyond 2037 are equal to the rates for the year 2037.
+ Generational
+ Projection Scale
+ United States of America
+
+
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+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3700.xml b/pymort/table_xml/t3700.xml
new file mode 100644
index 0000000..05ab083
--- /dev/null
+++ b/pymort/table_xml/t3700.xml
@@ -0,0 +1,297 @@
+
+
+
+ 3700
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Male, Select Period, Disabled Recovery Rates
+ 2023 Group Term Life Waiver Study - Select Period Recovery Rates for Disabled - Male. Years 1-10 (Appendix A - Figure A.1) Central Ages. Minimum Age: 17. Maximum Age: 72
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Select
+ United States of America
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Third Quarter Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 6
+ 6
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1669
+ 0.1669
+ 0.1368
+ 0.1123
+ 0.092
+ 0.0754
+ 0.0618
+ 0.0507
+ 0.0417
+ 0.0359
+ 0.0269
+ 0.0224
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Fourth Quarter Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 9
+ 9
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1653
+ 0.1653
+ 0.1355
+ 0.1112
+ 0.0912
+ 0.0747
+ 0.0612
+ 0.0502
+ 0.0413
+ 0.0355
+ 0.0266
+ 0.0222
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. First Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 12
+ 12
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1408
+ 0.1408
+ 0.1165
+ 0.0956
+ 0.0784
+ 0.0642
+ 0.0526
+ 0.0432
+ 0.0355
+ 0.0305
+ 0.0267
+ 0.0191
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Second Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 15
+ 15
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1259
+ 0.1259
+ 0.1021
+ 0.0838
+ 0.0687
+ 0.0563
+ 0.0461
+ 0.0379
+ 0.0311
+ 0.0268
+ 0.023
+ 0.0191
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Third Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 18
+ 18
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1132
+ 0.1132
+ 0.0924
+ 0.0759
+ 0.0622
+ 0.0509
+ 0.0418
+ 0.0343
+ 0.0281
+ 0.0242
+ 0.0202
+ 0.0162
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Fourth Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 21
+ 21
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1025
+ 0.1025
+ 0.0858
+ 0.0704
+ 0.0577
+ 0.0473
+ 0.0388
+ 0.0318
+ 0.0261
+ 0.0225
+ 0.018
+ 0.0135
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Recovery Rates for Disabled. Annual Recovery Rates for Year 2 -10 following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Year
+ 2
+ 10
+ 1
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.4022
+ 0.4022
+ 0.3418
+ 0.2882
+ 0.2415
+ 0.2015
+ 0.1676
+ 0.1393
+ 0.1155
+ 0.1001
+ 0.0851
+ 0.0662
+
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3701.xml b/pymort/table_xml/t3701.xml
new file mode 100644
index 0000000..0c28764
--- /dev/null
+++ b/pymort/table_xml/t3701.xml
@@ -0,0 +1,297 @@
+
+
+
+ 3701
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Male, Select Period, Disabled Death Rates
+ 2023 Group Term Life Waiver Study - Select Period Death Rates for Disabled - Male. Years 1-10 (Appendix A - Figure A.2) Central Ages. Minimum Age: 17. Maximum Age: 72
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Select
+ United States of America
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Third Quarter Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 6
+ 6
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0113
+ 0.0133
+ 0.0133
+ 0.0152
+ 0.0175
+ 0.0201
+ 0.0231
+ 0.0265
+ 0.0303
+ 0.0319
+ 0.0293
+ 0.0267
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Fourth Quarter Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 9
+ 9
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0144
+ 0.0169
+ 0.0169
+ 0.0194
+ 0.0223
+ 0.0256
+ 0.0294
+ 0.0337
+ 0.0387
+ 0.0406
+ 0.0373
+ 0.034
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. First Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 12
+ 12
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0134
+ 0.0158
+ 0.0158
+ 0.0181
+ 0.0208
+ 0.0239
+ 0.0274
+ 0.0314
+ 0.036
+ 0.0379
+ 0.0348
+ 0.0317
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Second Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 15
+ 15
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.012
+ 0.0132
+ 0.0138
+ 0.0158
+ 0.0181
+ 0.0208
+ 0.0239
+ 0.0274
+ 0.0314
+ 0.033
+ 0.0297
+ 0.0264
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Third Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 18
+ 18
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.011
+ 0.0119
+ 0.0119
+ 0.0137
+ 0.0157
+ 0.0181
+ 0.0207
+ 0.0238
+ 0.0273
+ 0.0286
+ 0.0276
+ 0.0244
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Fourth Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 21
+ 21
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0097
+ 0.0105
+ 0.0105
+ 0.012
+ 0.0138
+ 0.0159
+ 0.0182
+ 0.0209
+ 0.0239
+ 0.0251
+ 0.0251
+ 0.0219
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Male. Select Period Death Rates for Disabled. Annual Death Rates for Year 2 -10 following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Year
+ 2
+ 10
+ 1
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0453
+ 0.0504
+ 0.051
+ 0.0583
+ 0.0667
+ 0.0764
+ 0.0873
+ 0.0996
+ 0.1136
+ 0.119
+ 0.1122
+ 0.1004
+
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3702.xml b/pymort/table_xml/t3702.xml
new file mode 100644
index 0000000..2ef63d5
--- /dev/null
+++ b/pymort/table_xml/t3702.xml
@@ -0,0 +1,297 @@
+
+
+
+ 3702
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Female, Select Period, Disabled Recovery Rates
+ 2023 Group Term Life Waiver Study - Select Period Recovery Rates for Disabled - Female. Years 1-10 (Appendix A - Figure A.3) Central Ages. Minimum Age: 17. Maximum Age: 72
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Select
+ United States of America
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Third Quarter Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 6
+ 6
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.2443
+ 0.2443
+ 0.2002
+ 0.1678
+ 0.1053
+ 0.0876
+ 0.0728
+ 0.0608
+ 0.0507
+ 0.0441
+ 0.0339
+ 0.0271
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Fourth Quarter Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 9
+ 9
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1839
+ 0.1839
+ 0.1506
+ 0.1262
+ 0.1052
+ 0.0875
+ 0.0727
+ 0.0607
+ 0.0506
+ 0.044
+ 0.0339
+ 0.0271
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. First Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 12
+ 12
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1522
+ 0.1522
+ 0.1265
+ 0.106
+ 0.0883
+ 0.0735
+ 0.0611
+ 0.051
+ 0.0425
+ 0.037
+ 0.0313
+ 0.0256
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Second Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 15
+ 15
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1334
+ 0.1334
+ 0.1085
+ 0.091
+ 0.0758
+ 0.063
+ 0.0524
+ 0.0438
+ 0.0365
+ 0.0317
+ 0.026
+ 0.0202
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Third Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 18
+ 18
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1163
+ 0.1163
+ 0.0966
+ 0.0809
+ 0.0674
+ 0.0561
+ 0.0466
+ 0.0389
+ 0.0324
+ 0.0282
+ 0.022
+ 0.0188
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Fourth Quarter for Year 2 Recovery Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 21
+ 21
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.1072
+ 0.1072
+ 0.0885
+ 0.0742
+ 0.0618
+ 0.0514
+ 0.0427
+ 0.0357
+ 0.0297
+ 0.0259
+ 0.0216
+ 0.0173
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Recovery Rates for Disabled. Annual Recovery Rates for Year 2 -10 following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Year
+ 2
+ 10
+ 1
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.4204
+ 0.4204
+ 0.3588
+ 0.3086
+ 0.2628
+ 0.2227
+ 0.1881
+ 0.159
+ 0.1339
+ 0.1173
+ 0.0971
+ 0.0794
+
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3703.xml b/pymort/table_xml/t3703.xml
new file mode 100644
index 0000000..cee84f9
--- /dev/null
+++ b/pymort/table_xml/t3703.xml
@@ -0,0 +1,297 @@
+
+
+
+ 3703
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Female, Select Period, Disabled Death Rates
+ 2023 Group Term Life Waiver Study - Select Period Death Rates for Disabled - Female. Years 1-10 (Appendix A - Figure A.4) Central Ages. Minimum Age: 17. Maximum Age: 72
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Select
+ United States of America
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Third Quarter Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 6
+ 6
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0059
+ 0.007
+ 0.0094
+ 0.0111
+ 0.0131
+ 0.0156
+ 0.0186
+ 0.0221
+ 0.0262
+ 0.0274
+ 0.0257
+ 0.024
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Fourth Quarter Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 9
+ 9
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0074
+ 0.0089
+ 0.0119
+ 0.0141
+ 0.0167
+ 0.0199
+ 0.0237
+ 0.0281
+ 0.0333
+ 0.0349
+ 0.0327
+ 0.0305
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. First Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 12
+ 12
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.007
+ 0.0085
+ 0.0113
+ 0.0133
+ 0.0158
+ 0.0188
+ 0.0224
+ 0.0265
+ 0.0315
+ 0.033
+ 0.0309
+ 0.0289
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Second Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 15
+ 15
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0064
+ 0.0079
+ 0.01
+ 0.0118
+ 0.014
+ 0.0167
+ 0.0199
+ 0.0235
+ 0.028
+ 0.0293
+ 0.0262
+ 0.0232
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Third Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 18
+ 18
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0057
+ 0.0069
+ 0.0088
+ 0.0104
+ 0.0124
+ 0.0147
+ 0.0175
+ 0.0207
+ 0.0246
+ 0.0258
+ 0.0248
+ 0.0218
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Fourth Quarter for Year 2 Death Rates Following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Month
+ 21
+ 21
+ 0
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0048
+ 0.006
+ 0.0078
+ 0.0092
+ 0.011
+ 0.0131
+ 0.0156
+ 0.0184
+ 0.0219
+ 0.0229
+ 0.0229
+ 0.0198
+
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Female. Select Period Death Rates for Disabled. Annual Death Rates for Year 2 -10 following 9-month Waiting Period. Central Ages. Minimum Age: 17. Maximum Age: 72
+
+ Unknown
+ Year
+ 2
+ 10
+ 1
+
+
+ Age
+ Age
+ 17
+ 72
+ 5
+
+
+
+
+
+ 0.0237
+ 0.0289
+ 0.0374
+ 0.044
+ 0.0521
+ 0.0618
+ 0.0732
+ 0.0863
+ 0.1019
+ 0.1065
+ 0.1009
+ 0.0905
+
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3704.xml b/pymort/table_xml/t3704.xml
new file mode 100644
index 0000000..f6936df
--- /dev/null
+++ b/pymort/table_xml/t3704.xml
@@ -0,0 +1,549 @@
+
+
+
+ 3704
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Unclassified.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Low Non-Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.2
+ 0.25
+ 0.25
+ 0.25
+ 0.3
+ 0.3
+ 0.3
+ 0.35
+ 0.35
+ 0.35
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.4
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+ 0.75
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - High Non-Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.6
+ 0.65
+ 0.65
+ 0.65
+ 0.75
+ 0.75
+ 0.75
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 0.9
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.65
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.6
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+ 1.57
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Death Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 3.65
+ 3.65
+ 3.65
+ 3.98
+ 3.98
+ 3.98
+ 4.2
+ 4.2
+ 4.2
+ 4.5
+ 4.5
+ 4.5
+ 4.7
+ 4.7
+ 4.7
+ 4.73
+ 4.73
+ 4.73
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.75
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4.6
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 4
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.6
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 3.05
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.65
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.3
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+ 2.15
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3705.xml b/pymort/table_xml/t3705.xml
new file mode 100644
index 0000000..bce05e1
--- /dev/null
+++ b/pymort/table_xml/t3705.xml
@@ -0,0 +1,549 @@
+
+
+
+ 3705
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.6). Factors by Year of Disability.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Recovery
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Unclassified.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+ 1
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Low Non-Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 0.55
+ 0.55
+ 0.55
+ 0.55
+ 0.55
+ 0.55
+ 0.6
+ 0.6
+ 0.6
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.65
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.68
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+ 0.7
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - High Non-Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.13
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.15
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+ 1.2
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Select Table Recovery Diagnosis Adjustment. Years 1-10 (Appendix A - Figure A.5). Factors by Year of Disability - Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
+ 1
+
+
+
+
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.38
+ 1.38
+ 1.38
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.4
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.48
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.55
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.45
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.35
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3706.xml b/pymort/table_xml/t3706.xml
new file mode 100644
index 0000000..f1a1f5a
--- /dev/null
+++ b/pymort/table_xml/t3706.xml
@@ -0,0 +1,131 @@
+
+
+
+ 3706
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Male
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Male. Years 11 and over (Appendix A - Figure A.7) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Male. Years 11 and over (Appendix A - Figure A.7) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+
+ Age
+ Age
+ 27
+ 99
+ 1
+
+
+
+
+ 0.016
+ 0.016
+ 0.016
+ 0.01761
+ 0.01761
+ 0.01761
+ 0.01761
+ 0.01761
+ 0.01921
+ 0.01921
+ 0.01921
+ 0.01972
+ 0.02024
+ 0.02078
+ 0.02134
+ 0.02191
+ 0.02249
+ 0.02309
+ 0.02371
+ 0.02434
+ 0.02499
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+ 0.02635
+ 0.02705
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+ 0.02851
+ 0.02927
+ 0.03006
+ 0.03086
+ 0.03168
+ 0.03253
+ 0.03392
+ 0.0354
+ 0.03696
+ 0.03859
+ 0.04025
+ 0.04192
+ 0.04356
+ 0.04515
+ 0.04663
+ 0.04797
+ 0.04912
+ 0.05003
+ 0.05065
+ 0.05265
+ 0.05465
+ 0.05765
+ 0.06065
+ 0.06365
+ 0.06765
+ 0.07165
+ 0.07565
+ 0.07965
+ 0.08465
+ 0.09227
+ 0.09704
+ 0.10262
+ 0.10926
+ 0.11689
+ 0.12565
+ 0.13562
+ 0.1468
+ 0.15899
+ 0.17191
+ 0.18527
+ 0.19868
+ 0.21189
+ 0.22458
+ 0.23617
+ 0.24839
+ 0.26285
+ 0.27854
+ 0.29557
+ 0.31552
+ 0.33699
+ 0.35854
+ 0.37981
+ 0.40044
+ 0.42009
+ 0.4384
+ 0.45501
+ 0.46956
+ 0.4817
+ 0.49107
+ 0.49731
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 1
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3707.xml b/pymort/table_xml/t3707.xml
new file mode 100644
index 0000000..678d5fa
--- /dev/null
+++ b/pymort/table_xml/t3707.xml
@@ -0,0 +1,131 @@
+
+
+
+ 3707
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Male
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Male. Years 11 and over (Appendix A - Figure A.7) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Male. Years 11 and over (Appendix A - Figure A.7) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+
+ Age
+ Age
+ 27
+ 99
+ 1
+
+
+
+
+ 0.07302
+ 0.07212
+ 0.07123
+ 0.07035
+ 0.06948
+ 0.06862
+ 0.06778
+ 0.06694
+ 0.06611
+ 0.0653
+ 0.06449
+ 0.05978
+ 0.05542
+ 0.05137
+ 0.04762
+ 0.04415
+ 0.04136
+ 0.03857
+ 0.0358
+ 0.03307
+ 0.03039
+ 0.02778
+ 0.0267
+ 0.0256
+ 0.02447
+ 0.02334
+ 0.02219
+ 0.02105
+ 0.01991
+ 0.01878
+ 0.01767
+ 0.01658
+ 0.01551
+ 0.01447
+ 0.01347
+ 0.0125
+ 0.01157
+ 0.01068
+ 0.00984
+ 0.00903
+ 0.00827
+ 0.00755
+ 0.00688
+ 0.00625
+ 0.00558
+ 0.00488
+ 0.00416
+ 0.00346
+ 0.00277
+ 0.00212
+ 0.00152
+ 0.00099
+ 0.00055
+ 0.0002
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+ 0
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3708.xml b/pymort/table_xml/t3708.xml
new file mode 100644
index 0000000..96a4904
--- /dev/null
+++ b/pymort/table_xml/t3708.xml
@@ -0,0 +1,131 @@
+
+
+
+ 3708
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Female
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Female. Years 11 and over (Appendix A - Figure A.8) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Death Following Disability - Female. Years 11 and over (Appendix A - Figure A.8) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+
+ Age
+ Age
+ 27
+ 99
+ 1
+
+
+
+
+ 0.01057
+ 0.01057
+ 0.01057
+ 0.01189
+ 0.01189
+ 0.01189
+ 0.01189
+ 0.01189
+ 0.01321
+ 0.01321
+ 0.01321
+ 0.01362
+ 0.01404
+ 0.01447
+ 0.01492
+ 0.01538
+ 0.01586
+ 0.01635
+ 0.01685
+ 0.01737
+ 0.01791
+ 0.01846
+ 0.01904
+ 0.01962
+ 0.02023
+ 0.02086
+ 0.0215
+ 0.02217
+ 0.02285
+ 0.02356
+ 0.02429
+ 0.02504
+ 0.02581
+ 0.02661
+ 0.02744
+ 0.02828
+ 0.02982
+ 0.03141
+ 0.03301
+ 0.0346
+ 0.03616
+ 0.03765
+ 0.03903
+ 0.04026
+ 0.04226
+ 0.04426
+ 0.04726
+ 0.05026
+ 0.05326
+ 0.05726
+ 0.06126
+ 0.06526
+ 0.06926
+ 0.07426
+ 0.08074
+ 0.08485
+ 0.08951
+ 0.09483
+ 0.10094
+ 0.10793
+ 0.11571
+ 0.12422
+ 0.13356
+ 0.14373
+ 0.15454
+ 0.16599
+ 0.1782
+ 0.19073
+ 0.20352
+ 0.21816
+ 0.23517
+ 0.25355
+ 0.27315
+ 0.29921
+ 0.32314
+ 0.34698
+ 0.37036
+ 0.39292
+ 0.4143
+ 0.43413
+ 0.45205
+ 0.46769
+ 0.48068
+ 0.49065
+ 0.49723
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 0.5
+ 1
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3709.xml b/pymort/table_xml/t3709.xml
new file mode 100644
index 0000000..7c2e614
--- /dev/null
+++ b/pymort/table_xml/t3709.xml
@@ -0,0 +1,131 @@
+
+
+
+ 3709
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Female
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Female. Years 11 and over (Appendix A - Figure A.8) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Probability of Recovery Following Disability - Female. Years 11 and over (Appendix A - Figure A.8) Central Ages. Rates by Attained Age. Minimum Age: 27. Maximum Age: 121.
+
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\ No newline at end of file
diff --git a/pymort/table_xml/t3710.xml b/pymort/table_xml/t3710.xml
new file mode 100644
index 0000000..40eb6d9
--- /dev/null
+++ b/pymort/table_xml/t3710.xml
@@ -0,0 +1,479 @@
+
+
+
+ 3710
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disabled Lives Mortality
+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment
+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Death
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Unclassified.
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+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Low Non-Cancer.
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+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - High Non-Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
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+
+
+
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+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Death Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Cancer.
+
+ Age
+ Unknown
+ 6
+ 99
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+
+
+
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+
\ No newline at end of file
diff --git a/pymort/table_xml/t3711.xml b/pymort/table_xml/t3711.xml
new file mode 100644
index 0000000..f37662c
--- /dev/null
+++ b/pymort/table_xml/t3711.xml
@@ -0,0 +1,374 @@
+
+
+
+ 3711
+ www.soa.org
+ Society of Actuaries
+ Group Life Insurance Experience Committee, “2023 Group Term Life Waiver Experience Table Report”, Society of Actuaries (2023). Accessed: November, 2024 from https://www.soa.org/4a0146/globalassets/assets/files/resources/experience-studies/2023/group-life-waiver.pdf
+ Disability Recovery
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age.
+ Study Data: The data used was the same set analyzed in the 2019 GLWP Report. Covers the most recent 10 years of the data, 2006-2015, provided the most relevant and credible data to determine termination rates at the time of table creation. Observation cells with at least 300 observed claim terminations were deemed fully credible and used for the core graduation of rates in the table. The actual variable groupings were selected so that over 80% of the observation cells had this credible number of terminations, and the relatively small number of cells with few terminations did not have a significant impact on the final expectations.
+Methodology: The GLM model provided core rates for most of the Table as published. For the select period tables, rates for disabled ages 27 through 62 were provided from the GLM model. Some small adjustments were made to smooth the durational slope of termination rates in ages 27-32 and 57-62. The Table was extended to disabled ages 17 and 72 by using the termination rate relationships of the 2005 Table. For the ultimate period tables, rates for attained ages 37 to 70 were provided from the GLM model. Modest adjustments were made to ensure a smooth progression of termination rates across attained ages, as well as ensure smooth transition from the select table to the ultimate table. The ultimate recovery table was extended back to age 27 by increasing rates by 1%-1.25% for each age prior to age 37. The recovery rates beyond age 70 were extended down to 0 by attained age 80, consistent with the underlying data. The ultimate mortality table was extended back to age 27 by using the mortality rate slope from the 2005 Table as was done for the select period. To extend mortality rates beyond age 100 to age 120, the sex-specific rates from 2017 Unloaded CSO Composite Mortality Table were used. The mortality rates between ages 70 and 100 were interpolated to ensure an appropriate and smooth exponential rate curve for those 30 ages.
+ Ultimate
+ Claim Recovery
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Unclassified.
+
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+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Low Non-Cancer.
+
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+
+
+
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+ 0.77
+ 0.8
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - High Non-Cancer.
+
+ Age
+ Age
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+ 65
+ 1
+
+
+
+
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+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
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+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.3
+ 1.3
+ 1.3
+ 1.3
+ 1.3
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.25
+ 1.2
+ 1.2
+ 1.2
+ 1.2
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+ 1.2
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+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2023 Group Term Life Waiver Study - Ultimate Table Recovery Diagnosis Adjustment. Years 11+ (Appendix A - Figure A.5). Factors by Attained Age - Cancer.
+
+ Age
+ Age
+ 0
+ 65
+ 1
+
+
+
+
+ 1.1
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+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
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+ 1.1
+ 1.1
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+ 1.1
+ 1.1
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+ 1.1
+ 1.1
+ 1.1
+ 1.1
+ 1.1
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+ 1.05
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+ 1.05
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+ 1.1
+ 1.1
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+ 1.05
+ 1.05
+ 1.05
+ 1.05
+ 1.05
+ 1.2
+
+
+
+
\ No newline at end of file
diff --git a/pymort/table_xml/t3720.xml b/pymort/table_xml/t3720.xml
new file mode 100644
index 0000000..15cdc21
--- /dev/null
+++ b/pymort/table_xml/t3720.xml
@@ -0,0 +1,470 @@
+
+
+
+ 3720
+ soa.org
+ Society of Actuaries
+ The Society of Actuaries, "2016 Group Life Insurance Experience Committee Report", https://www.soa.org/4937f3/globalassets/assets/files/research/exp-study/research-2016-group-life-committee.pdf
+ Group Life
+ 2016 Group Term Life Mortality Table
+ 2016 Group Term Life Mortality Table
+ This study was based on data collected on policies in force during the study period of 2010-2013. Data Certified: .
+ Aggregate
+ Group Life
+ United States of America
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2016 Group Term Life Mortality Table, Basic Life Rates by Central Age Based on Lives, Mortality Rates per Thousand (Lives), Male
+
+ Age
+ Age
+ 22
+ 97
+ 5
+
+
+
+
+ 0.641546
+ 0.457066
+ 0.493221
+ 0.597331
+ 0.842183
+ 1.264725
+ 1.989966
+ 3.045471
+ 4.716225
+ 6.459539
+ 15.580671
+ 33.60568
+ 65.38771
+ 120.223165
+ 190.724603
+ 239.222891
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2016 Group Term Life Mortality Table, Basic Life Rates by Central Age Based on Amount in Millions ($), Mortality Rates per Thousand (Amount), Male
+
+ Age
+ Age
+ 22
+ 97
+ 5
+
+
+
+
+ 0.581561
+ 0.350981
+ 0.367743
+ 0.43569
+ 0.585768
+ 0.969977
+ 1.466498
+ 2.363808
+ 3.661189
+ 5.142269
+ 11.110561
+ 23.928838
+ 46.322248
+ 86.439902
+ 134.99197
+ 188.485122
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2016 Group Term Life Mortality Table, Basic Disability Rates by Central Age Based on Lives, Disability Rates per Thousand (Lives), Male
+
+ Age
+ Age
+ 22
+ 72
+ 5
+
+
+
+
+ 0.113477
+ 0.122319
+ 0.173922
+ 0.261923
+ 0.410524
+ 0.630907
+ 1.063599
+ 1.603776
+ 0.444121
+ 0.265641
+ 0.27257
+
+
+
+
+
+ 0
+ Floating Point
+ United States of America
+ 2016 Group Term Life Mortality Table, Basic Disability Rates by Central Age Based on Amount in Millions ($), Disability Rates per Thousand (Amount), Male
+
+ Age
+ Age
+ 22
+ 72
+ 5
+
+
+
+
+ 0.115865
+ 0.108066
+ 0.156367
+ 0.234458
+ 0.381838
+ 0.515088
+ 0.938331
+ 1.487585
+ 0.370851
+ 0.25021
+ 0.238256
+
+
+
+
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\ No newline at end of file
diff --git a/pymort/table_xml/t3721.xml b/pymort/table_xml/t3721.xml
new file mode 100644
index 0000000..aeadba9
--- /dev/null
+++ b/pymort/table_xml/t3721.xml
@@ -0,0 +1,472 @@
+
+
+
+ 3721
+ soa.org
+ Society of Actuaries
+ The Society of Actuaries, "2016 Group Life Insurance Experience Committee Report", https://www.soa.org/4937f3/globalassets/assets/files/research/exp-study/research-2016-group-life-committee.pdf
+ Group Life
+ 2016 Group Term Life Mortality Table
+ 2016 Group Term Life Mortality Table
+ This study was based on data collected on policies in force during the study period of 2010-2013. Data Certified: .
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+
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+
\ No newline at end of file
diff --git a/pyproject.toml b/pyproject.toml
index a452d55..44fcbfe 100644
--- a/pyproject.toml
+++ b/pyproject.toml
@@ -1,6 +1,6 @@
[tool.poetry]
name = "pymort"
-version = "2.0.1"
+version = "2.0.2"
description = ""
authors = ["Matthew Caseres "]