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["Life Expectancy Calculator"]
[null,"Input",{"$nulls":6},"Life expectancy"]
[{"$nulls":8},{"$f":"life_expect","v":{"v":16.214281821854378,"d":"16.2"}}]
[{"$nulls":9},"Number of Future Years","Probability of Survival"]
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[null,"Age:",67,"Sex:","M",{"$nulls":4},{"$f":"IF(display2,IF(opt_display=\"pct\",t_pct_2,IF(couple?,yrs_c_2,yrs_2)),\"\")","v":{"v":18.804085957543133,"d":"19"}},{"$f":"IF(display2,IF(opt_display=\"pct\",1-pct_2,prob_yrs_2),\"\")","v":{"v":0.4,"d":"40%"}}]
[null,{"$f":"IF(couple?,\"Person 2\",\"\")","v":""},{"$nulls":7},{"$f":"IF(display3,IF(opt_display=\"pct\",t_pct_3,IF(couple?,yrs_c_3,yrs_3)),\"\")","v":{"v":21.115243856862296,"d":"21"}},{"$f":"IF(display3,IF(opt_display=\"pct\",1-pct_3,prob_yrs_3),\"\")","v":{"v":0.30000000000000004,"d":"30%"}}]
[null,{"$f":"IF(couple?,\"Age:\",\"\")","v":""},85,{"$f":"IF(couple?,\"Sex:\",\"\")","v":""},"F",{"$nulls":4},{"$f":"IF(display4,IF(opt_display=\"pct\",t_pct_4,IF(couple?,yrs_c_4,yrs_4)),\"\")","v":{"v":23.612743113734204,"d":"24"}},{"$f":"IF(display4,IF(opt_display=\"pct\",1-pct_4,prob_yrs_4),\"\")","v":{"v":0.19999999999999996,"d":"20%"}}]
[{"$nulls":9},{"$f":"IF(display5,IF(opt_display=\"pct\",t_pct_5,IF(couple?,yrs_c_5,yrs_5)),\"\")","v":{"v":26.74142730118313,"d":"27"}},{"$f":"IF(display5,IF(opt_display=\"pct\",1-pct_5,prob_yrs_5),\"\")","v":{"v":0.09999999999999998,"d":"10%"}}]
[{"$nulls":8},{"$f":"table_source_text","v":"Table source: Social Security 2011 tables with no mortality improvement"}]
[]
[]
[]
[]
[null,"Click here for disclaimer"]
[null,"Created by Mary Pat Campbell, FSA, updated May 2014"]
[null,"Updated October 2015 by Retirement Rocket Science"]

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["Simple Life Expectancy Calculator"]
[]
[{"$f":"\"Results for a\"&IF(couple?,\" couple:\",\"n individual:\")","v":"Results for an individual:"},{"$nulls":4},{"$f":"\"     \"&IndividualString1&\"\n\n     \"&IndividualString2","v":"     The calculations presented in this tool are intended for educational purposes, as most people do not have a good feel for how long they may live in retirement. The calculations presented are based on public mortality tables, which were developed with certain populations in mind, and reflect probabilities based on averages in large populations.\n\n     An individual's survival probabilities are dependent on factors such as family history, personal lifestyle (such as smoking or diet), existing disease (such as diabetes), and the like; one needs to take that into consideration when trying to consider how to use these numbers for their own retirement planning."}]
[{"$f":"IF(couple?,\"Age of first person:\",\"Age:\")","v":"Age:"},{"$f":"_age1","v":67},{"$f":"IF(couple?,\"Sex of first person:\",\"Sex:\")","v":"Sex:"},{"$f":"IF(_sex1=\"M\",\"Male\",\"Female\")","v":"Male"}]
[{"$f":"IF(couple?,\"Age of second person:\",\"\")","v":""},{"$f":"IF(couple?,_age2,\"\")","v":""},{"$f":"IF(couple?,\"Sex of second person:\",\"\")","v":""},{"$f":"IF(couple?,IF(_sex2=\"M\",\"Male\",\"Female\"),\"\")","v":""}]
[]
["Mortality tables used:",{"$f":"Explanations!B17","v":"Social Security Calendar Year 2011"}]
["Mortality improvement:",{"$f":"IF(mort_improve_rate=0,\"none\",TEXT(proj_rate,\"0%\")&\" per year\")","v":"none"}]
[]
["Life expectancy:",null,{"$f":"life_expect","v":{"v":16.214281821854378,"d":"16.2"}}]
[]
["Survival probabilities for set number of years"]
["Number of future years",null,"Probability of survival"]
[{"$f":"IF(displayy1,years1,\"\")","v":10},null,{"$f":"IF(A14=\"\",\"\",prob_yrs_1)","v":{"v":0.7510112790584232,"d":"75%"}}]
[{"$f":"IF(displayy2,years2,\"\")","v":15},null,{"$f":"IF(A15=\"\",\"\",prob_yrs_2)","v":{"v":0.5641759743488866,"d":"56%"}}]
[{"$f":"IF(displayy3,years3,\"\")","v":20},null,{"$f":"IF(A16=\"\",\"\",prob_yrs_3)","v":{"v":0.3477942896316461,"d":"35%"}}]
[{"$f":"IF(displayy4,years4,\"\")","v":25},null,{"$f":"IF(A17=\"\",\"\",prob_yrs_4)","v":{"v":0.1509478723157642,"d":"15%"}}]
[{"$f":"IF(displayy5,years5,\"\")","v":""},null,{"$f":"IF(A18=\"\",\"\",prob_yrs_5)","v":""},null,null,{"$f":"\"     \"&IF(couple?,couple_calc_explain,single_calc_explain)","v":"     All probabilities and averages are computed taking into account your age and sex, using the Social Security Calendar Year 2011 mortality table, with mortality rates assumed to be constant."}]
[]
["Number of Future Years for set percentiles"]
["Number of future years ",null,"Probability of survival"]
[{"$f":"IF(C22=\"\",\"\",t_pct_1)","v":{"v":16.510026532052674,"d":"17"}},null,{"$f":"IF(displayp1,1-pct_1,\"\")","v":{"v":0.5,"d":"50%"}}]
[{"$f":"IF(C23=\"\",\"\",t_pct_2)","v":{"v":18.804085957543133,"d":"19"}},null,{"$f":"IF(displayp2,1-pct_2,\"\")","v":{"v":0.4,"d":"40%"}},null,null,{"$f":"\"     \"&IF(couple?,couple_expect_explain&couple_expect_example,single_expect_explain&single_expect_example)","v":"     The life expectancy is the average number of years until death.  In this illustration, life expectancy is 16.2, which means on average you would expect to live 16.2 more years."}]
[{"$f":"IF(C24=\"\",\"\",t_pct_3)","v":{"v":21.115243856862296,"d":"21"}},null,{"$f":"IF(displayp3,1-pct_3,\"\")","v":{"v":0.30000000000000004,"d":"30%"}}]
[{"$f":"IF(C25=\"\",\"\",t_pct_4)","v":{"v":23.612743113734204,"d":"24"}},null,{"$f":"IF(displayp4,1-pct_4,\"\")","v":{"v":0.19999999999999996,"d":"20%"}}]
[{"$f":"IF(C26=\"\",\"\",t_pct_5)","v":{"v":26.74142730118313,"d":"27"}},null,{"$f":"IF(displayp5,1-pct_5,\"\")","v":{"v":0.09999999999999998,"d":"10%"}}]
[]
[{"$nulls":5},{"$f":"\"     \"&IF(couple?,couple_prob_explain&couple_prob_example,single_prob_explain&single_prob_example)","v":"     The ages and probabilities displayed indicate the probability of surviving to that many years.  For example, the information in the first row means that, of people currently age 67, 50% will be expected to be alive in 17 more years."}]
["Description of Social Security Mortality Tables:"]
[{"$f":"\"     \"&Method_string3","v":"     The Social Security 2011 tables are a calendar year mortality table for the general U.S. population, reflecting mortality patterns by age and sex in the year 2011. As these tables were developed with the entire U.S. population in mind, the underlying numbers include people who have severe disabilities and chronic disease; someone who is actively working and in good health likely has better survival probabilities than the broad population. This table was developed in 2005 by the Office of the Chief Actuary of the SSA, using mortality patterns and trends observed and projected."}]
[]
[]
[]
[]
[]
[]
[{"$nulls":5},"Explanation of Mortality Improvement"]
[{"$nulls":5},{"$f":"\"     \"&Method_string5","v":"     A mortality improvement option is provided for extra conservatism in estimating life expectancy. Mortality rates do not remain static; with improved medical treatment, improved safety regulations, improvement in lifestyles (most especially a reduction in smoking), probabilities of death for a given age and sex tends to decline from year to year. According to the 2003 Technical Panel on Assumptions and Methods for the Social Security Advisory Board, the U.S. population has seen about a 1% improvement in mortality per year over the past 50 years. It is difficult to project how mortality is likely to improve in the future, as much depends on breakthroughs yet to come, but it is prudent to assume some improvement in mortality when trying to plan for how long one's retirement income needs to last."}]
[]
[{"$f":"Explanations!A36","v":"Explanation of 2012 IAM Tables:"}]
[{"$f":"\"     \"&Method_string4","v":"     The 2012 Individual Annuitant Mortality tables were developed from a population of people buying individual immediate annuities. Those who buy annuities tend to have longer life expectancies than the broad population; an important reason for buying an annuity is to prevent outliving one's retirement savings, so those who are in ill health or have other reasons to believe they will not be long-lived generally do not buy annuities.  As with the Social Security tables, these tables are by age and sex and reflect mortality rates in the year 2012; also, there will have been some mortality improvement in the annuitant population since this table was published."}]
{"$rows_empty":11}
["Click here for disclaimer"]
[{"$f":"'Life expectancy results'!B16","v":"Created by Mary Pat Campbell, FSA, updated May 2014"}]
["Updated October 2015 by Retirement Rocket Science"]

{"sheet":"Explanations","index":2,"n_rows":47,"n_cols":2,"rows_kept":47,"merged":[[1,0,5,0],[9,0,13,0]]}
["Explanation of cals:"]
["Explanation of calcs for single:",{"$f":"\"All probabilities and averages are computed taking into account your age and sex, using \"&table_string&\" mortality table,\"&mort_improve_text&\".\"","v":"All probabilities and averages are computed taking into account your age and sex, using the Social Security Calendar Year 2011 mortality table, with mortality rates assumed to be constant."}]
[null,{"$f":"\"The life expectancy is the average number of years until death.\"","v":"The life expectancy is the average number of years until death."}]
[null,{"$f":"\"  In this illustration, life expectancy is \"&ROUND(life_expect,1)&\", which means on average you would expect to live \"&ROUND(life_expect,1)&\" more years.\"","v":"  In this illustration, life expectancy is 16.2, which means on average you would expect to live 16.2 more years."}]
[null,{"$f":"\"The ages and probabilities displayed indicate the probability of surviving to that many years.\"","v":"The ages and probabilities displayed indicate the probability of surviving to that many years."}]
[null,{"$f":"IF(display1,\"  For example, the information in the first row means that, of people currently age \"&_age1&\", \"&ROUND('Life expectancy results'!K5*100,0)&\"% will be expected to be alive in \"&ROUND('Life expectancy results'!J5,0)&\" more years.\",\"\")","v":"  For example, the information in the first row means that, of people currently age 67, 50% will be expected to be alive in 17 more years."}]
[]
[]
[]
["Explanation of calcs for Couple:",{"$f":"\"All probabilities and averages are computed taking into account your ages and sexes, using \"&table_string&\" mortality table,\"&mort_improve_text&\".\"","v":"All probabilities and averages are computed taking into account your ages and sexes, using the Social Security Calendar Year 2011 mortality table, with mortality rates assumed to be constant."}]
[null,{"$f":"\"The life expectancy is the average number of years until the last death in the couple.\"","v":"The life expectancy is the average number of years until the last death in the couple."}]
[null,{"$f":"\"  In this illustration, life expectancy is \"&ROUND(life_expect,1)&\", which means on average you would expect the last person in the couple to die in \"&ROUND(life_expect,1)&\" more years.\"","v":"  In this illustration, life expectancy is 16.2, which means on average you would expect the last person in the couple to die in 16.2 more years."}]
[null,{"$f":"\"The ages and probabilities displayed indicate the probability of at least one member of the couple surviving to that age.\"","v":"The ages and probabilities displayed indicate the probability of at least one member of the couple surviving to that age."}]
[null,{"$f":"IF(display1,\"  For example, the information in the first row means that, of couples currently aged \"&_age1&\" and \"&_age2&\", \"&ROUND('Life expectancy results'!K5*100,0)&\"% will be expected to have at least one member alive in \"&ROUND('Life expectancy results'!J5,0)&\" years from now.\",\"\")","v":"  For example, the information in the first row means that, of couples currently aged 67 and 85, 50% will be expected to have at least one member alive in 17 years from now."}]
[]
[]
["Table name:",{"$f":"IF(table_set = \"ann\",\"2012 Individual Annuitant Mortality\", \"Social Security Calendar Year 2011\")","v":"Social Security Calendar Year 2011"}]
[null,{"$f":"\"the \"&B17","v":"the Social Security Calendar Year 2011"}]
[]
["Begin table source:",{"$f":"IF(table_set=\"ann\",\"Table source: 2012 Individual Annuitant Mortality tables\",\"Table source: Social Security 2011 tables\")","v":"Table source: Social Security 2011 tables"}]
["mortality improvement:",{"$f":"IF(mort_improve_rate=0,\"no\", TEXT(mort_improve_rate,\"0%\"))","v":"no"}]
["mortality improvement phrase:",{"$f":"IF(mort_improve_rate=0,\" with mortality rates assumed to be constant\",\" with mortality rates assumed to decline by \"&B21&\" per year\")","v":" with mortality rates assumed to be constant"}]
["Table footnote:",{"$f":"B20&IF(mort_improve_rate=0,\" with no mortality improvement\",\" with \"&B21&\" mortality improvement\")","v":"Table source: Social Security 2011 tables with no mortality improvement"}]
[]
[]
["Explanation of methods:"]
["The calculations presented in this tool are intended for educational purposes, as most people do not have a good feel for how long they may live in retirement. The calculations presented are based on public mortality tables, which were developed with certain populations in mind, and reflect probabilities based on averages in large populations."]
["An individual's survival probabilities are dependent on factors such as family history, personal lifestyle (such as smoking or diet), existing disease (such as diabetes), and the like; one needs to take that into consideration when trying to consider how to use these numbers for their own retirement planning."]
[]
[]
["Explanation of Social Security Table"]
["The Social Security 2011 tables are a calendar year mortality table for the general U.S. population, reflecting mortality patterns by age and sex in the year 2011. As these tables were developed with the entire U.S. population in mind, the underlying numbers include people who have severe disabilities and chronic disease; someone who is actively working and in good health likely has better survival probabilities than the broad population. This table was developed in 2005 by the Office of the Chief Actuary of the SSA, using mortality patterns and trends observed and projected."]
["Source:"]
["http://www.ssa.gov/OACT/NOTES/pdf_studies/study120.pdf"]
[]
["Explanation of 2012 IAM Tables:"]
["The 2012 Individual Annuitant Mortality tables were developed from a population of people buying individual immediate annuities. Those who buy annuities tend to have longer life expectancies than the broad population; an important reason for buying an annuity is to prevent outliving one's retirement savings, so those who are in ill health or have other reasons to believe they will not be long-lived generally do not buy annuities.  As with the Social Security tables, these tables are by age and sex and reflect mortality rates in the year 2012; also, there will have been some mortality improvement in the annuitant population since this table was published."]
["Source:"]
["http://www.actuary.org/files/publications/Payout_Annuity_Report_09-28-11.pdf"]
["Explanation of mortality improvement:"]
["A mortality improvement option is provided for extra conservatism in estimating life expectancy. Mortality rates do not remain static; with improved medical treatment, improved safety regulations, improvement in lifestyles (most especially a reduction in smoking), probabilities of death for a given age and sex tends to decline from year to year. According to the 2003 Technical Panel on Assumptions and Methods for the Social Security Advisory Board, the U.S. population has seen about a 1% improvement in mortality per year over the past 50 years. It is difficult to project how mortality is likely to improve in the future, as much depends on breakthroughs yet to come, but it is prudent to assume some improvement in mortality when trying to plan for how long one's retirement income needs to last."]
["Source:"]
["http://www.ssab.gov/documents/mort.projection.ssab.pdf"]
[]
[]
[null,"Click here for disclaimer"]
[null,"Created by Mary Pat Campbell, FSA, 2007"]

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[{"$nulls":6},"Table set","ss"]
["Male mortality table:",{"$f":"IF(table_set=\"ann\",\"2581\",\"SSM\")","v":"SSM"}]
["Female mortality table:",{"$f":"IF(table_set=\"ann\",\"2582\",\"SSF\")","v":"SSF"}]
[{"$nulls":6},"Type","Assumption"]
["Interpolation choice:","lin",{"$nulls":4},"linear","uniform distribution of deaths"]
[{"$nulls":6},"exponential","constant force of mortality"]
["Show:","pct",{"$nulls":4},"harmonic","hyperbolic; Balducci's assumption"]
["Percentiles to show:",1,2,3,4,5]
[null,{"$f":"IF(couple?,30%,50%)","v":{"v":0.5,"d":"50%"}},{"$f":"IF(couple?,40%,60%)","v":{"v":0.6,"d":"60%"}},{"$f":"IF(couple?,50%,70%)","v":{"v":0.7,"d":"70%"}},{"$f":"IF(couple?,60%,80%)","v":{"v":0.8,"d":"80%"}},{"$f":"IF(couple?,70%,90%)","v":{"v":0.9,"d":"90%"}}]
[]
["Years to show:",1,2,3,4,5]
["individual",10,15,20,25,30]
["couple",10,15,20,25,30]

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["2nd entered?",{"$f":"OR(AND(couple?,enter1?,enter2?),AND(NOT(couple?),enter1?))","v":true},null,"person2 in range",{"$f":"IF(_sex2=\"M\",AND(_age2<=age_max_M,_age2>=age_min_M),AND(_age2<=age_max_F,_age2>=age_min_F))","v":true},"projected future improvement",{"v":0.01,"d":"1.00%"},{"$nulls":4},"life expectancy:",{"$f":"IF(exists_2nd,SUM(M5:M160),\"\")","v":16.214281821854378},null,"Percentiles","prob","where occurs","prob","prob next","actually where"]
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["Year","Age","mort improvement factor","Qx","S(x)","Age","mort improvement factor","Qy","S(y)","S(x,y)","death prob","S-bar(x,y)","e-circle bit",null,{"$f":"pct_2","v":0.6},{"$f":"1-O4","v":0.4},{"$f":"LOOKUP(O4,death_array,yrs_array)","v":18},{"$f":"LOOKUP(Q4,yrs_array,surv_array)","v":0.4352345781405133},{"$f":"LOOKUP(Q4+1,yrs_array,surv_array)","v":0.39141516081332645},{"$f":"IF(exists_2nd,InterpSolve(opt_interp, R4,S4,P4)+Q4,\"\")","v":18.804085957543133}]
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{"sheet":"working tables","index":5,"n_rows":140,"n_cols":10,"rows_kept":140,"hidden":true}
[null,"Male mortality table:",null,"New Male Mortality Table",null,null,"Female mortality table:",null,"New Female Mortality Table"]
[null,{"$f":"opt_table_M","v":"SSM"},null,"min age:",{"$f":"MIN(D5:D140)","v":6},null,{"$f":"opt_table_F","v":"SSF"},null,"min age:",{"$f":"MIN(I5:I140)","v":6}]
[{"$nulls":3},"max age:",{"$f":"MAX(D6:D141)","v":140},{"$nulls":3},"max age:",{"$f":"MAX(I6:I141)","v":140}]
["Age:","q_x","q_(x-1)","New age","qnew_x","Age:","q_x","q_(x-1)"]
[{"$f":"'Mortality tables'!C3","v":5},{"$f":"HLOOKUP(opt_table_M,MORT_TABLES,A5-2,FALSE)","v":0.000158},null,null,{"$f":"B5","v":0.000158},{"$f":"'Mortality tables'!C3","v":5},{"$f":"HLOOKUP(opt_table_F,MORT_TABLES,A5-2,FALSE)","v":1.27E-4},null,null,{"$f":"G5","v":1.27E-4}]
[{"$f":"'Mortality tables'!C4","v":6},{"$f":"HLOOKUP(opt_table_M,MORT_TABLES,A6-2,FALSE)","v":1.47E-4},{"$f":"B5","v":0.000158},{"$f":"A6+setback_yrs_M","v":6},{"$f":"B6","v":1.47E-4},{"$f":"'Mortality tables'!C4","v":6},1.16E-4,{"$f":"G5","v":1.27E-4},{"$f":"F6+setback_yrs_F","v":6},{"$f":"G6","v":1.16E-4}]
[{"$f":"'Mortality tables'!C5","v":7},1.36E-4,{"$f":"B6","v":1.47E-4},7,1.36E-4,{"$f":"'Mortality tables'!C5","v":7},1.06E-4,{"$f":"G6","v":1.16E-4},7,1.06E-4]
[{"$f":"'Mortality tables'!C6","v":8},1.21E-4,1.36E-4,8,1.21E-4,{"$f":"'Mortality tables'!C6","v":8},9.8e-05,1.06E-4,8,9.8e-05]
[{"$f":"'Mortality tables'!C7","v":9},0.000104,1.21E-4,9,0.000104,{"$f":"'Mortality tables'!C7","v":9},9.1e-05,9.8e-05,9,9.1e-05]
[{"$f":"'Mortality tables'!C8","v":10},9.2E-5,0.000104,10,9.2E-5,{"$f":"'Mortality tables'!C8","v":10},8.6e-05,9.1e-05,10,8.6e-05]
[{"$f":"'Mortality tables'!C9","v":11},9.7E-5,9.2E-5,11,9.7E-5,{"$f":"'Mortality tables'!C9","v":11},8.9e-05,8.6e-05,11,8.9e-05]
[{"$f":"'Mortality tables'!C10","v":12},1.34E-4,9.7E-5,12,1.34E-4,{"$f":"'Mortality tables'!C10","v":12},1.02E-4,8.9e-05,12,1.02E-4]
[{"$f":"'Mortality tables'!C11","v":13},0.00021,1.34E-4,13,0.00021,{"$f":"'Mortality tables'!C11","v":13},0.000128,1.02E-4,13,0.000128]
[{"$f":"'Mortality tables'!C12","v":14},0.000317,0.00021,14,0.000317,{"$f":"'Mortality tables'!C12","v":14},1.64E-4,0.000128,14,1.64E-4]
[{"$f":"'Mortality tables'!C13","v":15},0.000433,0.000317,15,0.000433,{"$f":"'Mortality tables'!C13","v":15},2.05E-4,1.64E-4,15,2.05E-4]
[{"$f":"'Mortality tables'!C14","v":16},0.000547,0.000433,16,0.000547,{"$f":"'Mortality tables'!C14","v":16},0.000246,2.05E-4,16,0.000246]
[{"$f":"'Mortality tables'!C15","v":17},0.000672,0.000547,17,0.000672,{"$f":"'Mortality tables'!C15","v":17},0.000285,0.000246,17,0.000285]
[{"$f":"'Mortality tables'!C16","v":18},0.000805,0.000672,18,0.000805,{"$f":"'Mortality tables'!C16","v":18},3.19E-4,0.000285,18,3.19E-4]
[{"$f":"'Mortality tables'!C17","v":19},9.41E-4,0.000805,19,9.41E-4,{"$f":"'Mortality tables'!C17","v":19},3.5E-4,3.19E-4,19,3.5E-4]
[{"$f":"'Mortality tables'!C18","v":20},0.001084,9.41E-4,20,0.001084,{"$f":"'Mortality tables'!C18","v":20},0.000383,3.5E-4,20,0.000383]
[{"$f":"'Mortality tables'!C19","v":21},1.219E-3,0.001084,21,1.219E-3,{"$f":"'Mortality tables'!C19","v":21},4.17E-4,0.000383,21,4.17E-4]
[{"$f":"'Mortality tables'!C20","v":22},0.001314,1.219E-3,22,0.001314,{"$f":"'Mortality tables'!C20","v":22},4.46E-4,4.17E-4,22,4.46E-4]
[{"$f":"'Mortality tables'!C21","v":23},0.001357,0.001314,23,0.001357,{"$f":"'Mortality tables'!C21","v":23},0.000469,4.46E-4,23,0.000469]
[{"$f":"'Mortality tables'!C22","v":24},0.001362,0.001357,24,0.001362,{"$f":"'Mortality tables'!C22","v":24},0.000487,0.000469,24,0.000487]
[{"$f":"'Mortality tables'!C23","v":25},1.353E-3,0.001362,25,1.353E-3,{"$f":"'Mortality tables'!C23","v":25},0.000505,0.000487,25,0.000505]
[{"$f":"'Mortality tables'!C24","v":26},0.00135,1.353E-3,26,0.00135,{"$f":"'Mortality tables'!C24","v":26},0.000525,0.000505,26,0.000525]
[{"$f":"'Mortality tables'!C25","v":27},1.353E-3,0.00135,27,1.353E-3,{"$f":"'Mortality tables'!C25","v":27},0.000551,0.000525,27,0.000551]
[{"$f":"'Mortality tables'!C26","v":28},1.371E-3,1.353E-3,28,1.371E-3,{"$f":"'Mortality tables'!C26","v":28},0.000585,0.000551,28,0.000585]
[{"$f":"'Mortality tables'!C27","v":29},0.001399,1.371E-3,29,0.001399,{"$f":"'Mortality tables'!C27","v":29},0.000626,0.000585,29,0.000626]
[{"$f":"'Mortality tables'!C28","v":30},0.001432,0.001399,30,0.001432,{"$f":"'Mortality tables'!C28","v":30},0.000672,0.000626,30,0.000672]
[{"$f":"'Mortality tables'!C29","v":31},1.464E-3,0.001432,31,1.464E-3,{"$f":"'Mortality tables'!C29","v":31},0.00072,0.000672,31,0.00072]
[{"$f":"'Mortality tables'!C30","v":32},0.001497,1.464E-3,32,0.001497,{"$f":"'Mortality tables'!C30","v":32},0.000766,0.00072,32,0.000766]
[{"$f":"'Mortality tables'!C31","v":33},0.00153,0.001497,33,0.00153,{"$f":"'Mortality tables'!C31","v":33},0.000806,0.000766,33,0.000806]
[{"$f":"'Mortality tables'!C32","v":34},0.001568,0.00153,34,0.001568,{"$f":"'Mortality tables'!C32","v":34},0.000846,0.000806,34,0.000846]
[{"$f":"'Mortality tables'!C33","v":35},0.001617,0.001568,35,0.001617,{"$f":"'Mortality tables'!C33","v":35},0.000891,0.000846,35,0.000891]
[{"$f":"'Mortality tables'!C34","v":36},0.001682,0.001617,36,0.001682,{"$f":"'Mortality tables'!C34","v":36},0.000946,0.000891,36,0.000946]
[{"$f":"'Mortality tables'!C35","v":37},0.001759,0.001682,37,0.001759,{"$f":"'Mortality tables'!C35","v":37},{"$f":"HLOOKUP(opt_table_F,MORT_TABLES,A37-2,FALSE)","v":1.013E-3},0.000946,37,1.013E-3]
[{"$f":"'Mortality tables'!C36","v":38},0.001852,0.001759,{"$f":"A38+setback_yrs_M","v":38},0.001852,{"$f":"'Mortality tables'!C36","v":38},0.001094,1.013E-3,{"$f":"F38+setback_yrs_F","v":38},0.001094]
[{"$f":"'Mortality tables'!C37","v":39},0.001963,0.001852,39,0.001963,{"$f":"'Mortality tables'!C37","v":39},0.00119,0.001094,39,0.00119]
[{"$f":"'Mortality tables'!C38","v":40},0.002092,0.001963,40,0.002092,{"$f":"'Mortality tables'!C38","v":40},0.001296,0.00119,40,0.001296]
[{"$f":"'Mortality tables'!C39","v":41},0.002246,0.002092,41,0.002246,{"$f":"'Mortality tables'!C39","v":41},1.413E-3,0.001296,41,1.413E-3]
[{"$f":"'Mortality tables'!C40","v":42},0.002436,0.002246,42,0.002436,{"$f":"'Mortality tables'!C40","v":42},1.549E-3,1.413E-3,42,1.549E-3]
[{"$f":"'Mortality tables'!C41","v":43},0.002669,0.002436,43,0.002669,{"$f":"'Mortality tables'!C41","v":43},0.001706,1.549E-3,43,0.001706]
[{"$f":"'Mortality tables'!C42","v":44},0.002942,0.002669,44,0.002942,{"$f":"'Mortality tables'!C42","v":44},0.001881,0.001706,44,0.001881]
[{"$f":"'Mortality tables'!C43","v":45},0.003244,0.002942,45,0.003244,{"$f":"'Mortality tables'!C43","v":45},0.002069,0.001881,45,0.002069]
[{"$f":"'Mortality tables'!C44","v":46},3.571E-3,0.003244,46,3.571E-3,{"$f":"'Mortality tables'!C44","v":46},0.00227,0.002069,46,0.00227]
[{"$f":"'Mortality tables'!C45","v":47},0.003926,3.571E-3,47,0.003926,{"$f":"'Mortality tables'!C45","v":47},0.002486,0.00227,47,0.002486]
[{"$f":"'Mortality tables'!C46","v":48},0.004309,0.003926,48,0.004309,{"$f":"'Mortality tables'!C46","v":48},0.002716,0.002486,48,0.002716]
[{"$f":"'Mortality tables'!C47","v":49},0.004719,0.004309,49,0.004719,{"$f":"'Mortality tables'!C47","v":49},2.96E-3,0.002716,49,2.96E-3]
[{"$f":"'Mortality tables'!C48","v":50},5.156E-3,0.004719,50,5.156E-3,{"$f":"'Mortality tables'!C48","v":50},0.003226,2.96E-3,50,0.003226]
[{"$f":"'Mortality tables'!C49","v":51},0.005622,5.156E-3,51,0.005622,{"$f":"'Mortality tables'!C49","v":51},0.003505,0.003226,51,0.003505]
[{"$f":"'Mortality tables'!C50","v":52},0.006121,0.005622,52,0.006121,{"$f":"'Mortality tables'!C50","v":52},0.003779,0.003505,52,0.003779]
[{"$f":"'Mortality tables'!C51","v":53},0.006656,0.006121,53,0.006656,{"$f":"'Mortality tables'!C51","v":53},0.00404,0.003779,53,0.00404]
[{"$f":"'Mortality tables'!C52","v":54},0.007222,0.006656,54,0.007222,{"$f":"'Mortality tables'!C52","v":54},0.004301,0.00404,54,0.004301]
[{"$f":"'Mortality tables'!C53","v":55},0.007844,0.007222,55,0.007844,{"$f":"'Mortality tables'!C53","v":55},0.004592,0.004301,55,0.004592]
[{"$f":"'Mortality tables'!C54","v":56},0.008493,0.007844,56,0.008493,{"$f":"'Mortality tables'!C54","v":56},0.00492,0.004592,56,0.00492]
[{"$f":"'Mortality tables'!C55","v":57},0.009116,0.008493,57,0.009116,{"$f":"'Mortality tables'!C55","v":57},0.005266,0.00492,57,0.005266]
[{"$f":"'Mortality tables'!C56","v":58},0.00969,0.009116,58,0.00969,{"$f":"'Mortality tables'!C56","v":58},0.00563,0.005266,58,0.00563]
[{"$f":"'Mortality tables'!C57","v":59},0.010253,0.00969,59,0.010253,{"$f":"'Mortality tables'!C57","v":59},0.006028,0.00563,59,0.006028]
[{"$f":"'Mortality tables'!C58","v":60},0.010872,0.010253,60,0.010872,{"$f":"'Mortality tables'!C58","v":60},0.006479,0.006028,60,0.006479]
[{"$f":"'Mortality tables'!C59","v":61},0.011591,0.010872,61,0.011591,{"$f":"'Mortality tables'!C59","v":61},0.007001,0.006479,61,0.007001]
[{"$f":"'Mortality tables'!C60","v":62},0.012403,0.011591,62,0.012403,{"$f":"'Mortality tables'!C60","v":62},0.007602,0.007001,62,0.007602]
[{"$f":"'Mortality tables'!C61","v":63},0.013325,0.012403,63,0.013325,{"$f":"'Mortality tables'!C61","v":63},0.008294,0.007602,63,0.008294]
[{"$f":"'Mortality tables'!C62","v":64},0.01437,0.013325,64,0.01437,{"$f":"'Mortality tables'!C62","v":64},0.009082,0.008294,64,0.009082]
[{"$f":"'Mortality tables'!C63","v":65},0.015553,0.01437,65,0.015553,{"$f":"'Mortality tables'!C63","v":65},0.00999,0.009082,65,0.00999]
[{"$f":"'Mortality tables'!C64","v":66},0.016878,0.015553,66,0.016878,{"$f":"'Mortality tables'!C64","v":66},0.011005,0.00999,66,0.011005]
[{"$f":"'Mortality tables'!C65","v":67},0.018348,0.016878,67,0.018348,{"$f":"'Mortality tables'!C65","v":67},0.012097,0.011005,67,0.012097]
[{"$f":"'Mortality tables'!C66","v":68},0.019969,0.018348,68,0.019969,{"$f":"'Mortality tables'!C66","v":68},0.013261,0.012097,68,0.013261]
[{"$f":"'Mortality tables'!C67","v":69},0.021766,0.019969,69,0.021766,{"$f":"'Mortality tables'!C67","v":69},{"$f":"HLOOKUP(opt_table_F,MORT_TABLES,A69-2,FALSE)","v":0.014529},0.013261,69,0.014529]
[{"$f":"'Mortality tables'!C68","v":70},{"$f":"HLOOKUP(opt_table_M,MORT_TABLES,A70-2,FALSE)","v":0.02384},0.021766,{"$f":"A70+setback_yrs_M","v":70},{"$f":"B70","v":0.02384},{"$f":"'Mortality tables'!C68","v":70},0.015991,0.014529,{"$f":"F70+setback_yrs_F","v":70},{"$f":"G70","v":0.015991}]
[{"$f":"'Mortality tables'!C69","v":71},0.026162,{"$f":"B70","v":0.02384},71,0.026162,{"$f":"'Mortality tables'!C69","v":71},0.017662,{"$f":"G70","v":0.015991},71,0.017662]
[{"$f":"'Mortality tables'!C70","v":72},0.028625,0.026162,72,0.028625,{"$f":"'Mortality tables'!C70","v":72},0.019486,0.017662,72,0.019486]
[{"$f":"'Mortality tables'!C71","v":73},0.031204,0.028625,73,0.031204,{"$f":"'Mortality tables'!C71","v":73},0.021467,0.019486,73,0.021467]
[{"$f":"'Mortality tables'!C72","v":74},0.033997,0.031204,74,0.033997,{"$f":"'Mortality tables'!C72","v":74},0.023658,0.021467,74,0.023658]
[{"$f":"'Mortality tables'!C73","v":75},0.0372,0.033997,75,0.0372,{"$f":"'Mortality tables'!C73","v":75},0.026223,0.023658,75,0.026223]
[{"$f":"'Mortality tables'!C74","v":76},0.040898,0.0372,76,0.040898,{"$f":"'Mortality tables'!C74","v":76},0.029159,0.026223,76,0.029159]
[{"$f":"'Mortality tables'!C75","v":77},0.04504,0.040898,77,0.04504,{"$f":"'Mortality tables'!C75","v":77},0.032331,0.029159,77,0.032331]
[{"$f":"'Mortality tables'!C76","v":78},0.049664,0.04504,78,0.049664,{"$f":"'Mortality tables'!C76","v":78},0.035725,0.032331,78,0.035725]
[{"$f":"'Mortality tables'!C77","v":79},0.054844,0.049664,79,0.054844,{"$f":"'Mortality tables'!C77","v":79},0.039469,0.035725,79,0.039469]
[{"$f":"'Mortality tables'!C78","v":80},0.060801,0.054844,80,0.060801,{"$f":"'Mortality tables'!C78","v":80},0.043828,0.039469,80,0.043828]
[{"$f":"'Mortality tables'!C79","v":81},0.067509,0.060801,81,0.067509,{"$f":"'Mortality tables'!C79","v":81},0.048896,0.043828,81,0.048896]
[{"$f":"'Mortality tables'!C80","v":82},0.074779,0.067509,82,0.074779,{"$f":"'Mortality tables'!C80","v":82},0.054577,0.048896,82,0.054577]
[{"$f":"'Mortality tables'!C81","v":83},0.082589,0.074779,83,0.082589,{"$f":"'Mortality tables'!C81","v":83},0.060909,0.054577,83,0.060909]
[{"$f":"'Mortality tables'!C82","v":84},0.091135,0.082589,84,0.091135,{"$f":"'Mortality tables'!C82","v":84},0.068019,0.060909,84,0.068019]
[{"$f":"'Mortality tables'!C83","v":85},0.10068,0.091135,85,0.10068,{"$f":"'Mortality tables'!C83","v":85},0.076054,0.068019,85,0.076054]
[{"$f":"'Mortality tables'!C84","v":86},0.111444,0.10068,86,0.111444,{"$f":"'Mortality tables'!C84","v":86},0.085148,0.076054,86,0.085148]
[{"$f":"'Mortality tables'!C85","v":87},0.123571,0.111444,87,0.123571,{"$f":"'Mortality tables'!C85","v":87},0.095395,0.085148,87,0.095395]
[{"$f":"'Mortality tables'!C86","v":88},0.137126,0.123571,88,0.137126,{"$f":"'Mortality tables'!C86","v":88},0.106857,0.095395,88,0.106857]
[{"$f":"'Mortality tables'!C87","v":89},0.152092,0.137126,89,0.152092,{"$f":"'Mortality tables'!C87","v":89},0.119557,0.106857,89,0.119557]
[{"$f":"'Mortality tables'!C88","v":90},0.168426,0.152092,90,0.168426,{"$f":"'Mortality tables'!C88","v":90},0.133502,0.119557,90,0.133502]
[{"$f":"'Mortality tables'!C89","v":91},0.186063,0.168426,91,0.186063,{"$f":"'Mortality tables'!C89","v":91},0.148685,0.133502,91,0.148685]
[{"$f":"'Mortality tables'!C90","v":92},0.204925,0.186063,92,0.204925,{"$f":"'Mortality tables'!C90","v":92},0.165088,0.148685,92,0.165088]
[{"$f":"'Mortality tables'!C91","v":93},0.224931,0.204925,93,0.224931,{"$f":"'Mortality tables'!C91","v":93},0.182685,0.165088,93,0.182685]
[{"$f":"'Mortality tables'!C92","v":94},0.245995,0.224931,94,0.245995,{"$f":"'Mortality tables'!C92","v":94},0.201442,0.182685,94,0.201442]
[{"$f":"'Mortality tables'!C93","v":95},0.266884,0.245995,95,0.266884,{"$f":"'Mortality tables'!C93","v":95},0.220406,0.201442,95,0.220406]
[{"$f":"'Mortality tables'!C94","v":96},0.287218,0.266884,96,0.287218,{"$f":"'Mortality tables'!C94","v":96},0.239273,0.220406,96,0.239273]
[{"$f":"'Mortality tables'!C95","v":97},0.306593,0.287218,97,0.306593,{"$f":"'Mortality tables'!C95","v":97},0.257714,0.239273,97,0.257714]
[{"$f":"'Mortality tables'!C96","v":98},0.324599,0.306593,98,0.324599,{"$f":"'Mortality tables'!C96","v":98},0.275376,0.257714,98,0.275376]
[{"$f":"'Mortality tables'!C97","v":99},0.340829,0.324599,99,0.340829,{"$f":"'Mortality tables'!C97","v":99},0.291899,0.275376,99,0.291899]
[{"$f":"'Mortality tables'!C98","v":100},0.35787,0.340829,100,0.35787,{"$f":"'Mortality tables'!C98","v":100},0.309413,0.291899,100,0.309413]
[{"$f":"'Mortality tables'!C99","v":101},0.375764,0.35787,101,0.375764,{"$f":"'Mortality tables'!C99","v":101},{"$f":"HLOOKUP(opt_table_F,MORT_TABLES,A101-2,FALSE)","v":0.327978},0.309413,101,0.327978]
[{"$f":"'Mortality tables'!C100","v":102},0.394552,0.375764,{"$f":"A102+setback_yrs_M","v":102},0.394552,{"$f":"'Mortality tables'!C100","v":102},0.347656,0.327978,{"$f":"F102+setback_yrs_F","v":102},0.347656]
[{"$f":"'Mortality tables'!C101","v":103},0.41428,0.394552,103,0.41428,{"$f":"'Mortality tables'!C101","v":103},0.368516,0.347656,103,0.368516]
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{"sheet":"Notes","index":7,"n_rows":26,"n_cols":2,"rows_kept":26,"merged":[[7,5,10,5],[11,0,11,5],[12,0,12,5],[13,0,13,5]]}
["date","2014-05-23"]
["by","Mary Pat Campbell"]
[null,"marypat.campbell@gmail.com"]
[]
[]
["Table Source, Social Security"]
["Actuarial Study No. 120, published August 2005"]
["Life Tables for the"]
["United States Social Security"]
["Area 1900-2100"]
[]
["ACTUARIAL STUDY NO. 120 "]
["by Felicitie C. Bell"]
["and Michael L. Miller"]
[]
["Table 6 -- Calendar Year 2010"]
["http://www.ssa.gov/oact/NOTES/as120/LifeTables_Tbl_6_2010.html"]
[]
[]
[]
["Table Source, Annuitant mortality"]
["NEW annuitant mortality study"]
["Details here:"]
["http://www.actuary.org/files/publications/Payout_Annuity_Report_09-28-11.pdf"]
["http://mort.soa.org/ViewTable.aspx?&TableIdentity=2582"]
["Using BASIC table -- doesn't have the margin in it"]

{"sheet":"Version control","index":8,"n_rows":13,"n_cols":2,"rows_kept":13}
["Version","Notes"]
["1.0","Original"]
["1.01","Fixed VBA code for explanations of results form"]
["1.5","Added: mortality improvement, explanations of methods, new Social Security table (not that different from before), printable explanations sheet "]
["1.6","Looking at projection scale G"]
["1.7 ","Implemented projection scale G, looking at calculation comparisons"]
["1.8","Removed projection scale G stuff, explanation sheet wording edited, cleaning up VBA"]
["1.8.1","Fixed text areas on \"Printable Explanations\" sheet and ExplanationForm user form"]
["2.0","Switched out 2000 Soc. Sec. Table, replaced with 2010 table; explanations updated; input changed"]
["2.1","Updated links, fixed code for recalculation"]
["2.1.0","Added a file name in display page, content management policy for SOA, converted to .xlsm, removed setback stuff as it wasn't being used"]
["3.0","New mortality table for annuitants, added notes page to document data sources, remove unused names, unhid sheet tabs, removed all sheet protection"]
[3.1,"Updated Soc. Sec. Table with 2011 data"]