Life expectancy factors are used for the calculation of pension deductible amounts - the tax free return of capital component in each pension payment. They are also used for the calculation of duration options in market-linked pensions and life expectancy defined pensions. The above are ALT 1990-92, ALT 1995-97 and ALT 2000-02 respectively.

	Pension Commenced
Age	From 1/1/96 to 31/12/99		From 1/1/2000 to 31/12/2004 *		From 1/1/2005 onwards
	Male	Female	Male	Female	Male	Female
0	74.32	80.39	75.69	81.37	77.64	82.87
1	73.92	79.91	75.15	80.78	77.08	82.25
2	72.97	78.95	74.20	79.81	76.12	81.29
3	72.01	77.98	73.22	78.83	75.14	80.30
4	71.03	76.99	72.25	77.85	74.16	79.32
5	70.05	76.01	71.26	76.87	73.17	78.33
6	69.06	75.02	70.28	75.88	72.18	77.34
7	68.08	74.03	69.29	74.89	71.20	76.35
8	67.09	73.04	68.30	73.90	70.21	75.35
9	66.10	72.05	67.31	72.91	69.21	74.36
10	65.11	71.06	66.32	71.91	68.22	73.37
11	64.13	70.07	65.33	70.92	67.23	72.37
12	63.14	69.08	64.34	69.93	66.24	71.38
13	62.15	68.09	63.35	68.94	65.25	70.39
14	61.16	67.10	62.36	67.96	64.26	69.39
15	60.18	66.11	61.38	66.97	63.28	68.41
16	59.21	65.13	60.41	65.98	62.30	67.42
17	58.24	64.15	59.44	65.00	61.33	66.44
18	57.29	63.17	58.49	64.02	60.37	65.45
19	56.35	62.20	57.55	63.04	59.43	64.48
20	55.42	61.22	56.61	62.07	58.48	63.50
21	54.48	60.25	55.68	61.09	57.54	62.52
22	53.55	59.28	54.75	60.12	56.59	61.54
23	52.62	58.30	53.81	59.14	55.65	60.57
24	51.69	57.33	52.88	58.16	54.71	59.59
25	50.76	56.35	51.94	57.18	53.77	58.61
26	49.82	55.38	51.01	56.21	52.83	57.63
27	48.89	54.40	50.07	55.23	51.89	56.65
28	47.95	53.30	49.14	54.25	50.85	55.68
29	47.01	52.45	48.20	53.27	50.01	54.70
30	46.07	51.48	47.26	52.30	49.07	53.72
31	45.13	50.50	46.32	51.32	48.13	52.75
32	44.19	49.53	45.38	50.35	47.19	51.77
33	43.25	48.56	44.44	49.38	46.24	50.80
34	42.31	47.58	43.50	48.41	45.30	49.82
35	41.37	46.61	42.57	47.44	44.35	48.85
36	40.42	45.64	41.63	46.47	43.41	47.88
37	39.48	44.67	40.69	45.50	42.47	46.91
38	38.54	43.70	39.75	44.53	41.53	45.94
39	37.60	42.74	38.81	43.56	40.58	44.98
40	36.66	41.77	37.88	42.60	39.65	44.01
41	35.73	40.81	36.94	41.64	38.71	43.05
42	34.79	39.85	36.01	40.68	37.77	42.09
43	33.86	38.90	35.08	39.72	36.84	41.14
44	32.94	37.95	34.15	38.76	35.91	40.18
45	32.01	37.00	33.22	37.81	34.98	39.23
46	31.09	36.05	32.30	36.86	34.06	38.28
47	30.18	35.11	31.38	35.92	33.13	37.33
48	29.27	34.18	30.46	34.98	32.22	36.39
49	28.37	33.25	29.55	34.04	31.30	35.45
50	27.48	32.32	28.64	33.11	30.38	34.51
51	26.59	31.10	27.74	32.18	29.49	33.58
52	25.71	30.49	26.85	31.26	28.59	32.66
53	24.84	29.58	25.97	30.34	27.69	31.73
54	23.98	28.68	25.09	29.43	26.80	30.82
55	23.13	27.78	24.22	28.53	25.92	29.91
56	22.30	26.90	23.36	27.63	25.05	29.00
57	21.47	26.02	22.51	26.74	24.19	28.10
58	20.66	25.14	21.68	25.86	23.34	27.21
59	19.87	24.27	20.86	24.98	22.49	26.32
60	19.09	23.42	20.05	24.11	21.66	25.44
61	18.32	22.57	19.25	23.25	20.84	24.57
62	17.57	21.72	18.46	22.39	20.04	23.71
63	16.83	20.89	17.70	21.54	19.24	22.85
64	16.12	20.07	16.94	20.70	18.46	22.00
65	15.41	19.26	16.21	19.88	17.70	21.15
66	14.73	18.45	15.49	19.06	16.95	20.32
67	14.06	17.66	14.79	18.25	16.21	19.49
68	13.40	16.89	14.11	17.46	15.48	18.67
69	12.76	16.12	13.44	16.67	14.78	17.87
70	12.14	15.37	12.80	15.90	14.08	17.08
71	11.54	14.64	12.17	15.14	13.41	16.29
72	10.95	13.92	11.56	14.40	12.75	15.53
73	10.39	13.22	10.96	13.67	12.11	14.78
74	9.84	12.53	10.38	12.96	11.50	14.05
75	9.31	11.87	9.82	12.26	10.90	13.33
76	8.80	11.22	9.27	11.58	10.32	12.63
77	8.32	10.60	8.74	10.92	9.77	11.94
78	7.86	9.99	8.24	10.28	9.24	11.27
79	7.42	9.41	7.76	9.67	8.73	10.61
80	7.00	8.85	7.30	9.09	8.24	9.98
81	6.60	8.31	6.87	8.53	7.77	9.38
82	6.23	7.80	6.46	8.00	7.32	8.81
83	5.87	7.31	6.08	7.46	6.89	8.27
84	5.54	6.84	5.73	7.00	6.48	7.76
85	5.23	6.40	5.40	6.53	6.11	7.28
86	4.93	5.99	5.10	6.10	5.77	6.83
87	4.66	5.60	4.82	5.69	5.47	6.41
88	4.40	5.24	4.57	5.32	5.20	6.02
89	4.15	4.90	4.35	4.98	4.95	5.66
90	3.93	4.59	4.16	4.67	4.74	5.33
91	3.72	4.30	3.99	4.39	4.54	5.03
92	3.52	4.04	3.86	4.15	4.36	4.75
93	3.34	3.81	3.73	3.93	4.19	4.50
94	3.19	3.60	3.62	3.72	4.03	4.28
95	3.05	3.41	3.50	3.54	3.87	4.07
96	2.93	3.24	3.39	3.37	3.73	3.88
97	2.84	3.09	3.28	3.21	3.60	3.71
98	2.76	2.94	3.18	3.07	3.47	3.55
99	2.70	2.82	3.07	2.93	3.35	3.40
100	2.64	2.69	2.98	2.81	3.24	3.26
101	2.59	2.58	2.88	2.70	3.14	3.13
102	2.55	2.47	2.79	2.59	3.04	3.01
103	2.51	2.36	2.71	2.50	2.94	2.90
104	2.47	2.26	2.64	2.41	2.85	2.79
105	2.44	2.16	2.57	2.32	2.77	2.69
106	2.40	2.07	2.51	2.24	2.69	2.80
107	2.37	1.98	2.45	2.17	2.61	2.52
108	2.34	1.89	2.40	2.10	2.54	2.43
109	2.31	1.81	2.36	2.03	2.47	2.35

* Optional from 1/7/2004 to 31/12/2004.

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