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LIFE EXPECTANCIES WITH 25 YR TREND IMPROVEMENT FACTORS INCORPORATED

BASE YEAR 2003 – 7% P.A. DISCOUNT RATE

Age	MALE				FEMALE
	Life Expectancy	Annuities $1 p.w.			Life Expectancy	Annuities $1 p.w.
		To 60	To 65	To death		To 60	To 65	To death
15	73.48	725.6	735.6	754.8	77.48	731.1	741.3	762.1
16	72.32	722.6	733.3	753.8	76.35	728.4	739.3	761.6
17	71.16	719.5	730.9	752.7	75.22	725.5	737.2	761.0
18	70.02	716.3	728.5	751.8	74.10	722.5	735.0	760.4
19	68.90	713.0	726.1	750.9	72.98	719.3	732.7	759.8
20	67.78	709.6	723.6	750.1	71.86	715.9	730.2	759.1
21	66.67	706.0	720.9	749.2	70.74	712.3	727.6	758.5
22	65.55	702.1	718.1	748.3	69.62	708.4	724.8	757.7
23	64.44	698.0	715.1	747.3	68.50	704.2	721.7	756.9
24	63.33	693.7	712.0	746.3	67.37	699.7	718.5	756.0
25	62.21	689.0	708.6	745.3	66.25	694.9	715.0	755.0
26	61.10	684.0	705.0	744.1	65.12	689.8	711.2	754.0
27	59.98	678.8	701.2	742.9	63.99	684.3	707.2	752.8
28	58.87	673.1	697.1	741.6	62.87	678.4	702.9	751.6
29	57.75	667.0	692.7	740.1	61.74	672.1	698.3	750.3
30	56.63	660.5	688.0	738.6	60.61	665.4	693.5	748.9
31	55.51	653.6	683.0	736.9	59.48	658.2	688.2	747.4
32	54.39	646.1	677.5	735.0	58.36	650.6	682.7	745.9
33	53.27	638.1	671.7	733.0	57.23	642.4	676.7	744.2
34	52.14	629.5	665.5	730.9	56.11	633.6	670.4	742.3
35	51.01	620.3	658.8	728.5	54.98	624.3	663.6	740.4
36	49.88	610.5	651.7	726.0	53.85	614.3	656.3	738.2
37	48.75	600.0	644.0	723.2	52.73	603.6	648.5	736.0
38	47.62	588.7	635.8	720.2	51.60	592.1	640.2	733.5
39	46.48	576.6	627.0	716.9	50.48	579.9	631.3	730.9
40	45.35	563.6	617.6	713.4	49.35	566.8	621.8	728.1
41	44.22	549.8	607.5	709.6	48.23	552.8	611.7	725.1
42	43.08	535.0	596.7	705.6	47.11	537.9	600.9	721.