CIR N° 491 de 1985

CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 1 REF.: IMPARTE NUEVAS TABLAS DE MORTALIDAD PARA EL CÁLCULO DE RESERVAS TECNICAS. Para todas las entidades de seguros del segundo grupo. VISTAS: Las facultades que le confieren los artículos 3°, letra f) y 24° número 2 del D.F.L. N° 251, de 1931, el artículo 4°, letra a) del D.L. N° 3.538, de 1980, y el artículo 68° del D.L. N° 3.500, de 1980, esta Superintendencia ha estimado conveniente aprobar las tablas de mortalidad que a continuación se señalan, las que serán de uso obligatorio para el cálculo de las reservas técnicas que se indican. - Tablas de mortalidad B-85-H (para hombres) y B-85-M (para mujeres). Estas tablas se utilizarán en el cálculo de las reservas correspondientes a los beneficiarios no inválidos de los afiliados al nuevo sistema previsional que fallezcan, se invalidez o se acojan a pensión de vejez. - Tablas de mortalidad RV-85-H (para hombres) y RV-85-M (para mujeres). Estas tablas se utilizarán en el cálculo de las reservas de los afiliados no inválidos que contraten una renta vitalicia, de acuerdo al artículo 62° del D.L. N° 3.500, de 1980. Las tablas descritas precedentemente fueron confeccionadas mediante la ecuación de Makeham: Los valores de conmutación deberán ser calculados con una tasa de interés técnico obligatorio de 3%. La presente circular rige a partir de esta fecha. Saluda atentamente a Ud., SUPERINTENDENTE CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 2 TABLA DE MORTALIDAD B-85-H EDAD q (x) I (x) e (x) D(x) N(x) EDAD 0 16.100 100000.000 71.66 100000.0000 2938465.3735 0 1 1.280 98390.000 71.82 95524.2705 2838465.3735 1 2 0.700 98264.061 70.91 92623.3007 2742941.1030 2 3 0.470 98195.276 69.96 89862.5861 2650317.8022 3 4 0.400 98149.124 68.99 87204.2249 2560455.2161 4 5 0.380 98109.865 68.02 84630.4316 2473250.9912 5 6 0.370 98072.583 67.05 82134.2425 2388620.5597 6 7 0.360 98036.296 66.07 79712.4805 2306486.3172 7 8 0.350 98001.003 65.09 77362.8952 2226773.8366 8 9 0.340 97966.703 64.12 75083.3196 2149410.9414 9 10 0.334 97933.394 63.14 72871.6405 2074327.6217 10 11 0.356 97900.704 62.16 70725.5467 2001455.9813 11 12 0.379 97865.889 61.18 68641.1612 1930730.4346 12 13 0.405 97828.754 60.20 66616.6225 1862089.2734 13 14 0.433 97789.102 59.23 64650.1151 1795472.6509 14 15 0.464 97746.721 58.25 62739.8975 1730822.5359 15 16 0.497 97701.364 57.28 60884.2580 1668082.6383 16 17 0.533 97652.779 56.31 59081.5338 1607198.3803 17 18 0.573 97600.685 55.34 57330.1151 1548116.8465 18 19 0.616 97544.780 54.37 55628.4202 1490786.7314 19 20 0.662 97484.739 53.40 53974.9321 1435158.3112 20 21 0.713 97420.203 52.44 52368.1575 1381183.3790 21 22 0.768 97350.785 51.48 50806.6436 1328815.2215 22 23 0.827 97276.068 50.51 49288.9815 1278008.5780 23 24 0.892 97195.593 49.56 47813.7880 1228719.5964 24 25 0.963 97108.870 48.60 46379.7356 1180905.8084 25 26 1.040 97015.367 47.65 44985.5106 1134526.0728 26 27 1.123 96914.500 46.70 43629.8414 1089540.5622 27 28 1.214 96805.646 45.75 42311.4941 1045910.7208 28 29 1.313 96688.127 44.80 41029.2546 1003599.2267 29 30 1.420 96561.197 43.86 39781.9325 962569.9721 30 31 1.537 96464.074 42.92 38568.3858 922788.0396 31 32 1.664 96275.893 41.99 37387.4931 884219.6538 32 33 1.802 96115.730 41.06 36238.1513 846832.1607 33 34 1.952 95942.566 40.13 35119.2849 810594.0095 34 35 2.115 95755.327 39.21 34029.8504 775474.7246 35 36 2.292 95552.845 38.29 32968.8268 741444.8742 36 37 2.485 95333.848 37.38 31935.2120 708476.0474 37 38 2.694 95096.979 36.47 30928.0222 676540.8354 38 39 2.922 94840.770 35.57 2994.3069 645612.8131 39 40 3.169 94563.659 34.67 28989.1347 615666.5062 40 41 3.439 94263.940 33.78 28055.5866 586677.3715 41 42 3.731 93939.794 32.89 27144.7683 558621.7849 42 43 4.049 93589.279 32.01 26255.8086 531477.0166 43 44 4.395 93210.302 31.14 25387.8520 505221.2080 44 45 4.771 92800.633 30.28 24540.0722 479833.3560 45 46 5.179 92357.893 29.42 23711.6437 455293.2837 46 47 5.623 91879.537 28.57 22901.7778 431581.6400 47 48 6.106 91362.862 27.73 22109.7010 408679.8622 48 49 6.630 90805.009 26.90 21334.6618 386570.1612 49 50 7.200 90202.942 26.07 20575.9284 365235.4994 50 51 7.820 89553.456 25.26 19832.7912 344659.5710 51 52 8.493 88853.180 24.45 19104.5688 324826.7798 52 53 9.224 88098.582 23.66 18390.6035 305722.2110 53 54 10.019 87285.962 22.87 17690.2610 287331.6075 54 55 10.882 86411.487 22.10 17002.9435 269641.3465 55 56 11.820 85471.174 21.34 16328.0763 252638.4030 56 57 12.838 84460.938 20.59 15665.1324 236310.3267 57 58 13,945 83376.594 19.85 15013.6069 220645.1943 58 59 15.147 82213.912 19.12 14373.0507 205631.5874 59 60 16.452 80968.633 18.41 13743.0540 191258.5367 60 61 17.869 79636.547 17.71 13123.2582 177515.4827 61 62 19.408 78213.504 17.02 12513.3550 164392.2245 62 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 3 63 21.078 76695.544 16.35 11913.1030 151878.8695 63 64 22.891 75078.932 15.69 11322.3262 139965.7665 64 65 24.859 73360.271 15.04 10740.9147 128643.4404 65 66 26.994 71536.603 14.41 10168.8407 117902.5256 66 67 29.311 69605.528 13.80 9606.1559 107733.6849 67 68 31.823 67565.350 13.20 9053.0041 98127.5291 68 69 34.547 65415.218 12.62 8509.6220 89074.5250 69 70 37.501 63155.288 12.05 7976.3448 80564.9031 70 71 40.486 60786.916 11.50 7453.6179 72588.5582 71 72 43.731 58325.924 10.97 6943.5471 65134.9403 72 73 47.259 55775.268 10.45 6446.5034 58191.3932 73 74 51.092 53139.392 9.94 5962.9599 51744.8898 74 75 55.257 50424.377 9.45 5493.4934 45781.9298 75 76 59.778 47638.099 8.97 5038.7786 40288.4365 76 77 64.686 44790.374 8.51 4599.5817 35249.6579 77 78 70.011 41893.057 8.06 4176.7498 30650.0762 78 79 75.785 38960.092 7.63 3771.1963 26473.3263 79 80 82.042 36007.515 7.22 3383.8814 22702.1300 80 81 88.820 33053.382 6.82 3015.7868 19318.2486 81 82 96.156 30117.585 6.44 2667.8885 16302.4619 82 83 104.092 27221.585 6.07 2341.1200 13634.5734 83 84 112.670 24388.031 5.71 2036.3376 11293.4533 84 85 121.933 21640.242 5.38 1754.2762 9257.1157 85 86 131.927 19001.592 5.05 1495.5075 7502.8395 86 87 142.700 16494.769 4.74 1260.3978 6007.3320 87 88 154.299 14140.969 4.45 1049.0673 4746.9342 88 89 166.773 11959.032 4.17 861.3566 3697.8669 89 90 180.171 9964.587 3.91 696.8014 2836.5103 90 91 194.540 8169.259 3.65 554.6195 2139.7089 91 92 209.928 6580.008 3.42 433.7122 1585.0894 92 93 226.379 5198.678 3.19 332.6833 1151.3772 93 94 243.935 4021.804 2.98 249.8744 818.6939 94 95 262.631 3040.746 2.78 183.4187 568.8196 95 96 282.499 2242.151 2.59 131.3080 385.4008 96 97 303.563 1608.744 2.41 91.4695 254.0928 97 98 325.836 1120.389 2.25 61.8473 162.6234 98 99 349.320 755.326 2.09 40.4808 100.7761 99 100 374.007 491.475 1.95 25.5729 60.2952 100 101 399.870 307.660 1.81 15.5422 34.7224 101 102 426.865 184.636 1.68 9.0557 19.1802 102 103 454.930 105.821 1.57 5.0389 10.1246 103 104 483.981 57.680 1.46 2.6666 5.0856 104 105 513.908 29.764 1.35 1.3359 2.4190 105 106 544.578 14.468 1.25 0.6305 1.0831 106 107 575.832 6.589 1.15 0.2788 0.4526 107 108 607.485 2.795 1.03 0.1148 0.1739 108 109 639.326 1.097 0.86 0.0437 0.0591 109 110 1000.000 0.396 0.50 0.0153 0.0153 110 CONSTANTES TABLA DE MORTALIDAD B-85-H 10 ≤ x ≤ 70 70 ≤ x ≤ 110 ______ C 1.087362757 1.090857469 G 0.998759634 0.999145888 S 0.999916758 0.995970826 TABLA DE MORTALIDAD B-85-M EDAD q (y) I (y) e (y) D(y) N(y) EDAD 0 12.000 100000.000 78.18 100000.0000 3030891.8060 0 1 1.000 98800.000 78.12 95922.3288 2930891.8060 1 2 0.610 98701.200 77.20 93035.3464 2834969.4772 2 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 4 3 0.360 98640.992 76.25 90270.4796 2741934.1308 3 4 0.270 98605.482 75.28 87609.6925 2651663.6512 4 5 0.260 98578.858 74.30 85034.9895 2564053.9587 5 6 0.250 98553.228 73.32 82536.7749 2479018.9692 6 7 0.240 98528.589 72.33 80112.7600 2396482.1943 7 8 0.220 98504.942 71.35 77760.7097 2316369.4343 8 9 0.210 98483.271 70.37 75479.2266 2238608.7245 9 10 0.200 98462.590 69.38 73265.4119 2163129.4979 10 11 0.208 98442.888 68.40 71117.2320 2089864.0860 11 12 0.218 98422.368 67.41 69031.4646 2018746.8540 12 13 0.228 98400.950 66.42 67006.2604 1949715.3894 13 14 0.239 98378.545 65.44 65039.8066 1882709.1289 14 15 0.251 98355.061 64.45 63130.3677 1817669.3224 15 16 0.264 98330.386 63.47 61276.2437 1754538.9547 16 17 0.279 98304.417 62.49 59475.7853 1693262.7110 17 18 0.295 98277.030 61.50 57727.3965 1633786.9257 18 19 0.312 98248.082 60.52 56029.5034 1576059.5292 19 20 0.331 98217.421 59.54 54380.6003 1520030.0259 20 21 0.352 98184.896 58.56 52779.2179 1465649.4256 21 22 0.375 98150.316 57.58 51223.9127 1412870.2077 22 23 0.400 98113.491 56.60 49713.2967 1361646.2950 23 24 0.428 98074.200 55.63 48246.0044 1311932.9983 24 25 0.458 98032.213 54.65 46820.7290 1263686.9939 25 26 0.492 97987.275 53.67 45436.1794 1216866.2649 26 27 0.528 97939.094 52.70 44091.1023 1171430.0855 27 28 0.568 97887.370 51.73 42784.2905 1127338.9832 28 29 0.612 97831.759 50.76 41514.5507 1084554.6927 29 30 0.660 97771.894 49.79 40280.7239 1043040.1420 30 31 0.713 97707.364 48.82 39081.6852 1002759.4181 31 32 0.770 97637.734 47.85 37916.3462 963677.7329 32 33 0.834 97562.515 46.89 36783.6271 925761.3867 33 34 0.903 97481.185 45.93 35682.4884 888977.7596 34 35 0.979 97393.148 44.97 34611.9048 853295.2712 35 36 1.062 97297.790 44.01 33570.8896 818683.3664 36 37 1.154 97194.414 43.06 32558.4697 785112.4768 37 38 1.254 97082.255 42.11 31573.6860 752554.0071 38 39 1.364 96960.500 41.16 30615.6192 720980.3211 39 40 1.484 96828.248 40.22 29683.3598 690364.7020 40 41 1.616 96684.513 39.28 28776.0168 660681.3422 41 42 1.761 96528.228 38.34 27892.7201 631905.3254 42 43 1.920 96358.234 37.41 27032.6193 604012.6053 43 44 2.094 96173.252 36.48 26194.8458 576979.9860 44 45 2.284 95971.900 35.55 25378.6776 550785.1101 45 46 2.493 95752.677 34.63 24583.2089 525406.4326 46 47 2.722 95513.954 33.72 23807.6880 500823.2237 47 48 2.973 95253.950 32.81 23051.3393 477015.5357 48 49 3.248 94970.748 31.91 22313.4032 453964.1964 49 50 3.550 94662.255 31.01 21593.1292 431650.7932 50 51 3.880 91326.223 30.12 20889.7834 410057.6640 51 52 4.243 93960.213 29.23 20202.6460 389167.8806 52 53 4.639 93561.586 28.35 19531.0071 368965.2347 53 54 5.074 93127.514 27.48 18874.1694 349434.2276 54 55 5.551 92654.940 26.62 18231.4500 330560.0582 55 56 6.073 92140.598 25.77 17602.1769 312328.6082 56 57 6.646 91580.985 24.92 16985.7014 294726.4313 57 58 7.273 90972.352 24.08 16381.3736 277740.7300 58 59 7.960 90310.716 23.26 15788.5747 261359.3564 59 60 8.713 89591.831 22.44 15206.6963 245570.7816 60 61 9.537 88811.236 21.63 14635.1497 230364.0854 61 62 10.441 87964.206 20.84 14073.3669 215728.9356 62 63 11.430 87045.800 20.05 13520.8061 201655.5687 63 64 12.514 86050.855 19.28 12976.9540 188134.7626 64 65 13.700 84974.048 18.52 12441.3254 175157.8085 65 66 14.999 83809.885 17.77 11913.4728 162716.4832 66 67 16.422 82552.783 17.03 11392.9875 150803.0104 67 68 17.979 81197.108 16.30 10879.5077 139410.0229 68 69 19.684 79737.256 15.59 10372.7225 128530.5153 69 70 21.550 78167.745 14.90 9872.3782 118157.7928 70 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 5 71 23.690 76483.249 14.21 9378.2832 108285.4145 71 72 26.047 74671.387 13.55 8889.4314 98907.1313 72 73 28.644 72726.395 12.90 8405.7140 90017.6999 73 74 31.504 70643.202 12.26 7927.1246 81611.9858 74 75 34.652 68417.661 11.64 7453.7752 73684.8612 75 76 38.117 66046.841 11.04 6985.9087 66231.0860 76 77 41.928 63529.346 10.46 6523.9111 59245.1774 77 78 46.120 60865.668 9.90 6068.3245 52721.2662 78 79 50.727 58058.563 9.35 5619.8595 46652.9417 79 80 55.789 55113.434 8.82 5179.3999 41033.0822 80 81 61.347 52038.723 8.32 4748.0070 35853.6823 81 82 67.447 48846.294 7.83 4326.9229 31105.6753 82 83 74.137 45551.744 7.36 3917.5567 26778.7524 83 84 81.470 42174.657 6.91 3521.4751 22861.1956 84 85 89.499 38738.709 6.47 3140.3713 19339.7206 85 86 98.284 35271.638 6.06 2776.0305 16199.3493 86 87 107.887 31804.999 5.67 2430.2826 13423.3188 87 88 118.373 28373.654 5.29 2104.9386 10993.0361 88 89 129.809 25014.993 4.94 1801.7202 8888.0975 89 90 142.265 21767.833 4.60 1522.1761 7086.3774 90 91 155.813 18671.035 4.28 1267.5959 5564.2013 91 92 170.526 15761.842 3.98 1038.9203 4296.6053 92 93 186.475 13074.039 3.69 836.6578 3257.6850 93 94 203.732 10636.054 3.42 660.8172 2421.0272 94 95 222.363 8469.150 3.17 510.8618 1760.2100 95 96 242.431 6585.923 2.93 385.6941 1249.3483 96 97 263.991 4989.289 2.71 283.6794 863.6542 97 98 287.087 3672.161 2.50 202.7093 579.9748 98 99 311.751 2617.930 2.31 140.3049 377.2655 99 100 337.996 1801.788 2.13 93.7521 236.9606 100 101 365.818 1192.790 1.97 60.2565 143.2085 101 102 395.184 756.446 1.81 37.1006 82.9520 102 103 426.036 457.511 1.67 21.7855 45.8514 103 104 458.279 262.595 1.54 12.1399 24.0659 104 105 491.785 142.253 1.41 6.3849 11.9260 105 106 526.383 72.295 1.30 3.1504 5.5411 106 107 561.859 34.240 1.18 1.4486 2.3907 107 108 597.955 15.002 1.05 0.6162 0.9421 108 109 634.371 6.031 0.87 0.2405 0.3259 109 110 1000.000 2.202 0.50 0.0854 0.0854 110 CONSTANTES TABLA DE MORTALIDAD B-85-H 10 ≤ y ≤ 70 70 ≤ y ≤ 110 _______ C 1.096346428 1.104287825 G 0.999640543 0.999805878 S 0.999886798 0.999209499 TABLA DE MORTALIDAD RV-85-H EDAD q (x) I (x) e (x) D(x) N(x) EDAD 20 0.655 100000.000 56.08 55367.5711 1504486.1090 20 21 0.690 99934.535 55.12 53719.7353 1449118.5379 21 22 0.728 99865.582 54.15 52119.0972 1395398.8026 22 23 0.770 99792.844 53.19 50564.2113 1343279.7054 23 24 0.816 99715.973 52.23 49053.6479 1292715.4941 24 25 0.866 99634.609 51.28 47586.0426 1243661.8462 25 26 0.920 99548.349 50.32 46160.0408 1196075.8037 26 27 0.979 99456.776 49.37 44774.3462 1149915.7628 27 28 1.043 99359.409 48.41 43427.6844 1105141.4167 28 29 1.114 99255.743 47.46 42118.8130 1061713.7322 29 30 1.190 99145.218 46.52 40846.5148 1019594.9192 30 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 6 31 1.273 99027.241 45.57 29609.6192 978748.4044 31 32 1.364 98901.156 44.63 38406.9797 939138.7852 32 33 1.463 98766.249 43.69 37237.4666 900731.8055 33 34 1.571 98621.763 42.75 36099.9912 863494.3390 34 35 1.688 98466.857 41.82 34993.4830 827394.3478 35 36 1.816 98300.635 40.89 33916.9033 792400.8648 36 37 1.955 98122.123 39.96 32869.2364 758483.9614 37 38 2.107 97930.253 39.04 31849.4771 725614.7250 38 39 2.273 97723.884 38.12 30856.6603 693765.2479 39 40 2.453 97501.778 37.21 29889.8352 662908.5875 40 41 2.650 97262.602 36.30 28948.0724 633018.7523 41 42 2.863 97004.904 35.39 28030.4600 604070.6799 42 43 3.097 96727.131 34.49 27136.1108 576040.2200 43 44 3.351 96427.599 33.60 26264.1530 548904.1091 44 45 3.627 96104.494 32.71 25413.7407 522639.9562 45 46 3.929 95755.877 31.82 24584.0302 497226.2154 46 47 4.258 95379.645 30.95 23774.2104 472642.1852 47 48 4.615 94973.559 30.08 22983.4851 448867.9748 48 49 5.005 94535.222 29.22 22211.0764 425884.4897 49 50 5.430 94062.062 2836 21456.2208 403673.4132 50 51 5.892 93551.333 27.51 20718.1738 382217.1924 51 52 6.396 93000.108 26.67 19996.2111 361499.0186 52 53 6.945 92405.285 25.84 19289.6289 341502.8075 53 54 7.542 91763.559 25.02 18597.7363 323313.1786 54 55 8.193 91071.466 24.20 17919.8743 303615.4424 55 56 8.902 90325.321 23.40 17255.3935 285695.5680 56 57 9.673 89521.282 22.61 16603.6842 268440.1745 57 58 10.514 88655.318 21.82 15964.1457 251836.4903 58 59 11.428 87723.237 21.05 15336.2186 235872.3446 59 60 12.424 86720.700 20.29 14719.3699 220536.1260 60 61 13.509 85643.254 19.54 14113.0998 205816.7561 61 62 14.689 84486.338 18.80 13516.9438 191703.6562 62 63 15.973 83245.348 18.07 12930.4827 178186.7124 63 64 17.371 81915.658 17.35 12353.3429 165256.2296 64 65 18.892 80492.706 16.65 11785.1977 152902.8867 65 66 20.547 78972.048 15.96 11225.7801 141117.6890 66 67 22.347 77349.440 15.29 10674.8817 129891.9089 67 68 24.305 75620.937 14.62 10132.3629 119217.0272 68 69 26.434 73783.005 13.98 9598.1562 109084.6643 69 70 28.751 71832.651 1334 9072.2727 99486.5081 70 71 31.393 69767.390 12.72 8554.7923 90414.2354 71 72 34.281 67577.177 12.12 8044.8844 81859.4426 72 73 37.437 65260.563 11.53 7542.8134 73814.5582 73 74 40.885 62817.408 10.96 7048.9645 66271.7448 74 75 44.650 60249.140 10.41 6563.8540 59222.7804 75 76 48.760 57559.021 9.87 6088.1347 52658.9263 76 77 53.246 54752.419 9.35 5622.5971 46570.7917 77 78 58.139 51837.070 8.85 5168.1707 40948.1946 78 79 63.474 48823.314 8.36 4725.9207 35780.0239 79 80 69.287 45724.318 7.90 4297.0382 31054.1032 80 81 75.618 42556.226 7.45 3882.8251 26757.0650 81 82 82.508 39338.217 7.01 3484.6744 22874.2398 82 83 90.003 36092.482 6.60 3104.0380 19389.5654 83 84 98.148 32844.048 6.20 2742.3933 16285.5274 84 85 106.994 29620.458 5.82 2401.1961 13543.1341 85 86 116.590 26451.259 5.46 2081.9285 11141.9381 86 87 126.992 23367.302 5.12 1785.5416 9060.1095 87 88 138.253 20399.852 4.79 1513.3911 7274.5679 88 89 150.431 17579.508 4.48 1266.1748 5761.1768 89 90 163.583 14935.002 4.18 1044.3714 4495.0020 90 91 177.767 12491.884 3.90 848.0870 3450.6306 91 92 193.039 10271.238 3.64 677.0146 2602.5436 92 93 209.455 8288.488 3.39 530.4120 1925.5289 93 94 227.066 6552.424 3.15 407.1016 1395.1169 94 95 245.922 5064.588 2.93 303.4975 988.0153 95 96 266.064 3819.094 2.72 223.6592 682.5178 96 97 287.526 2802.972 2.53 159.3705 458.8587 97 98 310.332 1997.046 2.34 110.2402 299.4882 98 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 7 99 334.494 1377.299 2.17 73.8147 189.2480 99 100 360.010 916.600 2.01 47.6933 115.4333 100 101 386.858 586.615 1.87 29.6342 67.7400 101 102 414.997 359.678 1.73 17.6407 38.1058 102 103 444.362 210.413 1.60 10.0193 20.4651 103 104 474.861 116.913 1.48 5.4050 10.4458 104 105 506.374 61.396 1.37 2.7557 5.0408 105 106 538.750 30.307 1.26 1.3207 2.2852 106 107 571.807 13.979 1.16 0.5914 0.9645 107 108 605.329 5.986 1.04 0.2459 0.3731 108 109 639.068 2.362 0.86 0.0942 0.1272 109 110 1000.000 0.853 0.50 0.0330 0.0330 110 CONSTANTES TABLA DE MORTALIDAD RV-85-H 20 ≤ x ≤ 70 70 ≤ x ≤ 110 _______ C 1.089736350 1.096209882 G 0.999214025 0.999525667 S 0.999738701 0.999140668 TABLA DE MORTALIDAD RV-85-M EDAD q (y) I (y) e (y) D(y) N(y) EDAD 20 0.316 100000.000 61.93 55367.5711 1572347.1853 20 21 0.331 99968.408 60.95 53737.9434 1516979.6142 21 22 0.347 99935.348 59.97 52155.5076 1463241.6708 22 23 0.365 99900.668 58.99 50618.8446 1411086.1632 23 24 0.384 99864.219 58.01 49126.5752 1360467.3186 24 25 0.406 99825.826 57.03 47677.3687 1311340.7434 25 26 0.430 99785.294 56.05 46269.9111 1263663.3747 26 27 0.456 99742.423 55.08 44902.9413 1217393.4636 27 28 0.484 99696.968 54.10 43575.2234 1172490.5223 28 29 0.516 99648.693 53.13 42285.5598 1128915.2989 29 30 0.550 99597.312 52.15 41032.7716 1086629.7391 30 31 0.588 99542.526 51.18 39815.7266 1045596.9675 31 32 0.630 99484.004 50.21 38633.3213 1005781.2409 32 33 0.675 99421.378 49.24 37484.4674 967147.9195 33 34 0.725 99354.247 48.28 36368.1133 929663.4521 34 35 0.781 99282.176 47.31 35283.2339 893295.3388 35 36 0.841 99204.684 46.35 34228.8296 858012.1049 36 37 0.908 99121.246 45.39 33203.9255 823783.2753 37 38 0.981 99031.286 44.43 32207.5616 790579.3498 38 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 8 39 1.061 98934.172 43.47 31238.8129 758371.7882 39 40 1.149 98829.211 42.52 30296.7687 727132.9753 40 41 1.246 98715.651 41.56 29380.5402 696836.2066 41 42 1.352 98592.655 40.62 28489.2553 667455.6664 42 43 1.469 98459.331 39.67 27622.0672 638966.4112 43 44 1.597 98314.675 38.73 26778.1389 611344.3440 44 45 1.738 98157.622 37.79 25956.6670 584566.2051 45 46 1.893 97986.980 36.85 25156.8360 558609.5381 46 47 2.063 97801.464 35.92 24377.8698 533452.7021 47 48 2.250 97599.670 35.00 23619.0008 509074.8322 48 49 2.455 97380.058 34.07 22879.4714 485455.8314 49 50 2.681 97140.966 33.16 22158.5406 462576.3600 50 51 2.928 96880.577 32.24 21455.4786 440417.8194 51 52 3.200 96596.915 31.34 20769.5706 418962.3408 52 53 3.498 96287.833 30.44 20100.1118 398192.7702 53 54 3.826 95950.996 29.54 19446.4049 378092.6584 54 55 4.186 95583.894 28.65 18807.7720 358646.2535 55 56 4.581 95183.802 27.77 18183.5386 339838.4815 56 57 5.015 94747.765 26.90 17573.0502 321654.9429 57 58 5.492 94272.603 26.03 16975.6491 304081.8927 58 59 6.015 93754.900 25.17 16390.7044 287106.2436 59 60 6.589 93190.979 24.32 15817.5902 270715.5391 60 61 7.220 92576.917 23.48 15255.6940 254897.9489 61 62 7.912 91908.520 22.65 14704.4164 239642.2549 62 63 8.672 91181.313 21.82 14163.1745 224937.8385 63 64 9.507 90390.561 21.01 13631.4062 210774.6640 64 65 10.422 89531.258 20.21 13108.5612 197143.2577 65 66 11.427 88598.147 19.41 12594.1183 184034.6965 66 67 12.530 87585.730 18.63 12087.5769 171440.5783 67 68 13.740 86488.297 17.86 11588.4681 159353.0013 68 69 15.067 85299.969 17.10 11096.3550 147764.5332 69 70 16.522 84014.739 16.36 10610.8381 136668.1782 70 71 18.234 82626.652 15.62 10131.5798 126057.3401 71 72 20.135 81120.065 14.90 9657.1295 115925.7603 72 73 22.247 79486.708 14.20 9187.0707 106268.6308 73 74 24.591 77718.395 13.51 8721.0571 97081.5601 74 75 27.194 75807.202 12.84 8258.8301 88360.5029 75 76 30.082 73745.729 12.19 7800.2357 80101.6728 76 77 33.285 71527.336 11.55 7345.2352 72301.4371 77 78 36.838 69146.520 10.93 6893.9278 64956.2020 78 79 40.777 66599.281 10.33 6446.5702 58062.2741 79 80 45.140 63883.589 9.75 6003.5936 51615.7039 80 81 49.973 60999.854 9.18 5565.6196 45612.1104 81 82 55.323 57951.485 8.64 5133.4827 40046.4907 82 83 61.241 54745.440 8.12 4708.2361 34913.0080 83 84 67.782 51392.795 7.61 4291.1658 30204.7720 84 85 75.009 47909.265 7.13 3883.7866 25913.6062 85 86 82.985 44315.640 6.67 3487.8326 22029.8195 86 87 91.780 40638.104 6.22 3105.2376 18541.9869 87 88 101.469 36908.327 5.80 2738.0951 15436.7493 88 89 112.129 33163.283 5.40 2388.6058 12698.6542 89 90 123.844 29444.711 5.02 2059.0031 10310.0485 90 91 136.699 25798.168 4.66 1751.4644 8251.0454 91 92 150.782 22271.597 4.32 1468.0018 6499.5809 92 93 166.185 18913.435 4.00 1210.3431 5031.5791 93 94 182.998 15770.302 3.69 979.8076 3821.2360 94 95 201.310 12884.369 3.41 777.1891 2841.4284 95 96 221.205 10290.622 3.14 602.6539 2064.2392 96 97 242.764 8014.281 2.89 455.6734 1461.5853 97 98 266.055 6068.701 2.66 335.0022 1005.9119 98 99 291.132 4454.095 2.45 238.7119 670.9097 99 100 318.033 3157.366 2.25 164.2867 432.1978 100 101 346.771 2153.220 2.06 108.7749 267.9111 101 102 377.330 1406.546 1.89 68.9853 159.1362 102 103 409.660 875.813 1.73 41.7040 90.1509 103 104 443.668 517.028 1.58 23.9024 48.4469 104 105 479.216 287.639 1.45 12.9104 24.5445 105 106 516.111 149.798 1.32 6.5277 11.6341 106 CIRCULAR N° 491 FECHA : 29.3.85 SUPERINTENDENCIA DE VALORES Y SEGUROS DE CHILE 9 107 554.105 72.485 1.19 3.0667 5.1064 107 108 592.889 32.321 1.06 1.3276 2.0398 108 109 632.097 13.158 0.87 0.5247 0.7122 109 110 1000.000 4.841 0.50 0.1874 0.1874 110 CONSTANTES TABLA DE MORTALIDAD RV-85-M 20 < y < 70 70 < y < 110 ______ C 1.098531565 1.112837803 G 0.999767311 0.999923115 S 0.999834258 0.998779052