One Year Term Permiums for $1,000 of Joint and Survivor Life Insurance Protection*
| (Second-to-Die) | ||||||||||
| AGE
| 5
| 10
| 15
| 20
| 25
| 30
| 35
| 40
| 45
| 50
|
|
| ||||||||||
| 5
| .00
| .00
| .00
| .00
| .00
| .00
| .00
| .01
| .01
| .01
|
| 10
| .00
| .00
| .00
| .00
| .00
| .00
| .00
| .00
| .01
| .01
|
| 15
| .00
| .00
| .00
| .00
| .00
| .00
| .00
| .01
| .01
| .01
|
| 20
| .00
| .00
| .00
| .00
| .00
| .00
| .01
| .01
| .01
| .02
|
| 25
| .00
| .00
| .00
| .00
| .00
| .00
| .01
| .01
| .01
| .02
|
| 30
| .00
| .00
| .00
| .00
| .00
| .01
| .01
| .01
| .02
| .02
|
| 35
| .00
| .00
| .00
| .01
| .01
| .01
| .01
| .01
| .02
| .03
|
| 40
| .01
| .00
| .01
| .01
| .01
| .01
| .01
| .02
| .03
| .04
|
| 45
| .01
| .01
| .01
| .01
| .01
| .02
| .02
| .03
| .04
| .06
|
| 50
| .01
| .01
| .01
| .02
| .02
| .02
| .03
| .04
| .06
| .09
|
| 55
| .02
| .01
| .02
| .02
| .03
| .03
| .05
| .06
| .09
| .13
|
| 60
| .03
| .02
| .03
| .03
| .04
| .05
| .07
| .09
| .13
| .20
|
| 65
| .04
| .03
| .04
| .05
| .06
| .08
| .10
| .14
| .20
| .30
|
| 70
| .06
| .04
| .06
| .08
| .10
| .12
| .16
| .22
| .31
| .45
|
| 75
| .09
| .06
| .10
| .12
| .14
| .18
| .24
| .33
| .47
| .69
|
| 80
| .14
| .09
| .14
| .18
| .22
| .28
| .37
| .50
| .72
| 1.05
|
| 85
| .21
| .14
| .22
| .28
| .33
| .42
| .55
| .76
| 1.08
| 1.58
|
| 90
| .31
| .21
| .32
| .41
| .49
| .61
| .81
| 1.12
| 1.59
| 2.33
|
| 95
| .44
| .30
| .46
| .59
| .70
| .88
| 1.17
| 1.61
| 2.29
| 3.36
|
| 100
| .61
| .42
| .64
| .81
| .98
| 1.23
| 1.62
| 2.23
| 3.18
| 4.66
|
|
| ||||||||||
| AGE
| 55
| 60
| 65
| 70
| 75
| 80
| 85
| 90
| 95
| 100
|
|
| ||||||||||
| 5
| .02
| .03
| .04
| .06
| .09
| .14
| .21
| .31
| .44
| .61
|
| 10
| .01
| .02
| .03
| .04
| .06
| .09
| .14
| .21
| .30
| .42
|
| 15
| .02
| .03
| .04
| .06
| .10
| .14
| .22
| .32
| .46
| .64
|
| 20
| .02
| .03
| .05
| .08
| .12
| .18
| .28
| .41
| .59
| .81
|
| 25
| .03
| .04
| .06
| .10
| .14
| .22
| .33
| .49
| .70
| .98
|
| 30
| .03
| .05
| .08
| .12
| .18
| .28
| .42
| .61
| .88
| 1.23
|
| 35
| .05
| .07
| .10
| .16
| .24
| .37
| .55
| .81
| 1.17
| 1.62
|
| 40
| .06
| .09
| .14
| .22
| .33
| .50
| .76
| 1.12
| 1.61
| 2.23
|
| 45
| .09
| .13
| .20
| .31
| .47
| .72
| 1.08
| 1.59
| 2.29
| 3.18
|
| 50
| .13
| .20
| .30
| .45
| .69
| 1.05
| 1.58
| 2.33
| 3.36
| 4.66
|
| 55
| .19
| .29
| .44
| .68
| 1.03
| 1.56
| 2.35
| 3.47
| 5.00
| 6.94
|
| 60
| .29
| .44
| .67
| 1.02
| 1.56
| 2.36
| 3.54
| 5.24
| 7.55
| 10.47
|
| 65
| .44
| .67
| 1.02
| 1.55
| 2.37
| 3.59
| 5.39
| 7.96
| 11.47
| 15.92
|
| 70
| .68
| 1.02
| 1.55
| 2.37
| 3.61
| 5.47
| 8.22
| 12.14
| 17.49
| 24.28
|
| 75
| 1.03
| 1.56
| 2.37
| 3.61
| 5.50
| 8.33
| 12.52
| 18.50
| 26.65
| 37.00
|
| 80
| 1.56
| 2.36
| 3.59
| 5.47
| 8.33
| 12.64
| 18.98
| 28.05
| 40.42
| 56.10
|
| 85
| 2.35
| 3.54
| 5.39
| 8.22
| 12.52
| 18.98
| 28.51
| 42.13
| 60.70
| 84.26
|
| 90
| 3.47
| 5.24
| 7.96
| 12.14
| 18.50
| 28.05
| 42.13
| 62.26
| 89.70
| 124.52
|
| 95
| 5.00
| 7.55
| 11.47
| 17.49
| 26.65
| 40.42
| 60.70
| 89.70
| 129.26
| 179.42
|
| 100
| 6.94
| 10.47
| 15.92
| 24.28
| 37.00
| 56.10
| 84.26
| 124.52
| 179.42
| 249.05
|
|
| ||||||||||
| * Rates are derived from U.S. Life Table 38. They are based on the underlying actuarial assumptions of the P.S. 58 rates. The method for deriving the rates is also based upon an unofficial informational letter of Norman Greenberg, Chief, Actuarial Branch, Department of the Treasury. The letter indicates that after the first death, the single life regular P.S. 58 rates are to be used. Due to space limitations, the table is presented in 5-year age increments. For planning purposes, it is suggested that each actual age be rounded to the nearest corresponding age in the table, or do the calculation described earlier in this appendix.
| ||||||||||