SFC - Resolución 1112 de 2007 (anexo)

SUPERINTENDENCIA FINANCIERA DE COLOMBIA

ANEXO 4

TABLAS COLOMBIANAS DE MORTALIDAD DE LOS ASEGURADOS

EXPERIENCIA 1998-2003

CONVENCIONES APLICABLES x = edad actuarial para el sexo masculino l(x) = número de sobrevivientes a edad x d(x) = número de muertos entre las edades x y x+1. q(x) = probabilidad de morir entre las edades x y x+1 p(x) = probabilidad de sobrevivir a la edad x eo(x) = vida probable o esperanza de vida a la edad x. µ(x) = fuerza de mortalidad a la edad x y = edad actuarial para el sexo femenino l(y) = número de sobrevivientes a edad y d(y) = número de muertos entre las edades “y” y “y+1”. q(y) = probabilidad de morir entre las edades “y” y “y+1”. p(y) = probabilidad de sobrevivir a la edad y eo(y) = vida probable o esperanza de vida a la edad y µ(y) = fuerza de mortalidad a la edad y TABLA DE MORTALIDAD ASEGURADOS HOMBRES Experiencia 1998-2003 x l(x) d(x) q(x) µ(x) e0(x) 20 100,000 356 0.003560 54.31 21 99,644 358 0.003593 53.50 22 99,286 361 0.003636 0.00362 52.69 23 98,925 364 0.003680 0.00367 51.88 24 98,561 366 0.003713 0.00371 51.07 25 98,195 366 0.003727 0.00373 50.26

26 97,829 367 0.003751 0.00375 49.45 27 97,462 367 0.003766 0.00377 48.63 28 97,095 367 0.003780 0.00378 47.81 29 96,728 367 0.003794 0.00380 46.99 30 96,361 366 0.003798 0.00380 46.17 31 95,995 366 0.003813 0.00381 45.34 32 95,629 366 0.003827 0.00383 44.51 33 95,263 365 0.003831 0.00384 43.68 34 94,898 366 0.003857 0.00385 42.85 35 94,532 366 0.003872 0.00387 42.01 36 94,166 365 0.003876 0.00388 41.18 37 93,801 365 0.003891 0.00389 40.33 38 93,436 365 0.003906 0.00391 39.49 39 93,071 365 0.003922 0.00392 38.64 40 92,706 366 0.003948 0.00394 37.79 41 92,340 367 0.003974 0.00397 36.94 42 91,973 368 0.004001 0.00400 36.09 43 91,605 369 0.004028 0.00402 35.23 44 91,236 371 0.004066 0.00406 34.37 45 90,865 372 0.004094 0.00409 33.51

46 90,493 374 0.004133 0.00412 32.64 47 90,119 376 0.004172 0.00416 31.78 48 89,743 379 0.004223 0.00420 30.91 49 89,364 384 0.004297 0.00426 30.04 50 88,980 392 0.004405 0.00435 29.16 TITULO VI – Anexo 4 Página 1 Tablas Colombianas de Mortalidad de los Asegurados Resolución 1112 de 2007

SUPERINTENDENCIA FINANCIERA DE COLOMBIA

TABLA DE MORTALIDAD ASEGURADOS HOMBRES Experiencia 1998-2003 x l(x) d(x) q(x) µ(x) e0(x) 51 88,588 404 0.004560 0.00448 28.29 52 88,184 422 0.004785 0.00467 27.42 53 87,762 445 0.005071 0.00493 26.55 54 87,317 476 0.005451 0.00526 25.68 55 86,841 513 0.005907 0.00568 24.82 56 86,328 560 0.006487 0.00620 23.96 57 85,768 615 0.007171 0.00683 23.12 58 85,153 679 0.007974 0.00758 22.28 59 84,474 750 0.008878 0.00845 21.45 60 83,724 826 0.009866 0.00941 20.64 61 82,898 903 0.010893 0.01043 19.84

62 81,995 979 0.011940 0.01148 19.06 63 81,016 1,054 0.013010 0.01256 18.28 64 79,962 1,119 0.013994 0.01360 17.51 65 78,843 1,179 0.014954 0.01459 16.76 66 77,664 1,232 0.015863 0.01553 16.00 67 76,432 1,281 0.016760 0.01641 15.25 68 75,151 1,357 0.018057 0.01754 14.50 69 73,794 1,413 0.019148 0.01878 13.76 70 72,381 1,477 0.020406 0.01994 13.02 71 70,904 1,558 0.021973 0.02136 12.28 72 69,346 1,656 0.023880 0.02311 11.55 73 67,690 1,790 0.026444 0.02537 10.82 74 65,900 1,957 0.029697 0.02834 10.10 75 63,943 2,160 0.033780 0.03210 9.39 76 61,783 2,397 0.038797 0.03679 8.70 77 59,386 2,666 0.044893 0.04253 8.03 78 56,720 2,971 0.052380 0.04952 7.39 79 53,749 3,359 0.062494 0.05865 6.77

80 50,390 3,818 0.075769 0.07116 6.18 81 46,572 4,241 0.091063 0.08704 5.65 82 42,331 4,412 0.104226 0.10278 5.17 83 37,919 4,545 0.119861 0.11843 4.71 84 33,374 4,567 0.136843 0.13710 4.28 85 28,807 4,466 0.155032 0.15731 3.88 86 24,341 4,305 0.176862 0.18066 3.50 87 20,036 4,062 0.202735 0.20961 3.15 88 15,974 3,706 0.232002 0.24422 2.82 89 12,268 3,257 0.265487 0.28498 2.52 90 9,011 2,725 0.302408 0.33320 2.25 91 6,286 2,138 0.340121 0.38710 2.01 92 4,148 1,584 0.381871 0.44664 1.79 93 2,564 1,097 0.427847 0.51765 1.59 94 1,467 702 0.478528 0.60219 1.41 95 765 408 0.533333 0.70381 1.24 96 357 212 0.593838 0.82680 1.09 97 145 96 0.662069 0.98391 0.94 98 49 36 0.734694 1.19218 0.81 99 13 11 0.846154 0.65

100 2 2 1.000000 0.50 TITULO VI – Anexo 4 Página 2 Tablas Colombianas de Mortalidad de los Asegurados Resolución 1112 de 2007

SUPERINTENDENCIA FINANCIERA DE COLOMBIA

TABLA DE MORTALIDAD ASEGURADOS MUJERES Experiencia 1998-2003 y l(y) d(y) q(y) µ(y) e0(y) 20 100,000 130 0.001300 57.39 21 99,870 134 0.001342 56.47 22 99,736 138 0.001384 0.00136 55.54 23 99,598 141 0.001416 0.00140 54.62 24 99,457 145 0.001458 0.00144 53.69 25 99,312 148 0.001490 0.00148 52.77 26 99,164 152 0.001533 0.00151 51.85 27 99,012 155 0.001565 0.00155 50.93 28 98,857 159 0.001608 0.00159 50.01 29 98,698 162 0.001641 0.00163 49.09 30 98,536 166 0.001685 0.00166 48.17 31 98,370 170 0.001728 0.00171 47.25 32 98,200 174 0.001772 0.00175 46.33 33 98,026 179 0.001826 0.00180 45.41 34 97,847 184 0.001880 0.00185 44.49 35 97,663 189 0.001935 0.00191 43.58

36 97,474 194 0.001990 0.00196 42.66 37 97,280 199 0.002046 0.00202 41.74 38 97,081 204 0.002101 0.00207 40.83 39 96,877 210 0.002168 0.00214 39.91 40 96,667 217 0.002245 0.00221 39.00 41 96,450 223 0.002312 0.00228 38.08 42 96,227 230 0.002390 0.00235 37.17 43 95,997 236 0.002458 0.00243 36.26 44 95,761 243 0.002538 0.00250 35.35 45 95,518 250 0.002617 0.00258 34.44 46 95,268 257 0.002698 0.00266 33.53 47 95,011 264 0.002779 0.00274 32.61 48 94,747 272 0.002871 0.00283 31.70 49 94,475 282 0.002985 0.00293 30.79 50 94,193 294 0.003121 0.00305 29.88 51 93,899 309 0.003291 0.00320 28.98 52 93,590 329 0.003515 0.00340 28.07 53 93,261 353 0.003785 0.00365 27.17 54 92,908 384 0.004133 0.00395 26.27 55 92,524 421 0.004550 0.00434 25.38

56 92,103 467 0.005070 0.00481 24.49 57 91,636 521 0.005686 0.00538 23.61 58 91,115 584 0.006409 0.00605 22.74 59 90,531 655 0.007235 0.00683 21.89 60 89,876 731 0.008133 0.00770 21.04 61 89,145 811 0.009098 0.00865 20.21 62 88,334 891 0.010087 0.00963 19.39 63 87,443 972 0.011116 0.01066 18.59 64 86,471 1,045 0.012085 0.01167 17.79 65 85,426 1,116 0.013064 0.01266 17.00 66 84,310 1,180 0.013996 0.01363 16.22 67 83,130 1,242 0.014940 0.01454 15.44 68 81,888 1,332 0.016266 0.01571 14.67 69 80,556 1,403 0.017416 0.01699 13.90 70 79,153 1,483 0.018736 0.01820 13.14 TITULO VI – Anexo 4 Página 3 Tablas Colombianas de Mortalidad de los Asegurados Resolución 1112 de 2007

SUPERINTENDENCIA FINANCIERA DE COLOMBIA

TABLA DE MORTALIDAD ASEGURADOS MUJERES Experiencia 1998-2003 y l(y) d(y) q(y) µ(y) e0(y)

71 77,670 1,582 0.020368 0.01969 12.38 72 76,088 1,699 0.022329 0.02150 11.63 73 74,389 1,855 0.024936 0.02380 10.88 74 72,534 2,050 0.028263 0.02683 10.15 75 70,484 2,285 0.032419 0.03066 9.43 76 68,199 2,561 0.037552 0.03543 8.73 77 65,638 2,875 0.043801 0.04130 8.05 78 62,763 3,235 0.051543 0.04849 7.40 79 59,528 3,691 0.062004 0.05792 6.77 80 55,837 4,230 0.075756 0.07091 6.18 81 51,607 4,700 0.091073 0.08708 5.65 82 46,907 4,889 0.104228 0.10279 5.17 83 42,018 5,036 0.119853 0.11843 4.71 84 36,982 5,061 0.136850 0.13710 4.28 85 31,921 4,949 0.155039 0.15733 3.88 86 26,972 4,770 0.176850 0.18065 3.50 87 22,202 4,501 0.202729 0.20960 3.15 88 17,701 4,106 0.231964 0.24420 2.82

89 13,595 3,609 0.265465 0.28494 2.52 90 9,986 3,019 0.302323 0.33314 2.25 91 6,967 2,369 0.340032 0.38696 2.01 92 4,598 1,756 0.381905 0.44657 1.79 93 2,842 1,216 0.427868 0.51774 1.59 94 1,626 778 0.478475 0.60219 1.41 95 848 452 0.533019 0.70352 1.24 96 396 235 0.593434 0.82597 1.09 97 161 106 0.658385 0.98085 0.95 98 55 40 0.727273 1.17424 0.83 99 15 12 0.800000 0.70 100 3 3 1.000000 0.50 TITULO VI – Anexo 4 Página 4 Tablas Colombianas de Mortalidad de los Asegurados Resolución 1112 de 2007