Instruction: What is the mortality rate for Alzheimer's in Canada for 75+ in 2020?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Alzheimer's
Location: Canada
Year: 2020
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 33.9 per 100,000 population
• Age-Adjusted Rate: 29.1 per 100,000
• Total Deaths: 448,092
• Percentage of All Deaths: 9.9%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 40.7 per 100,000
• Female Death Rate: 28.8 per 100,000
• Sex Ratio (M:F): 1.42:1

TREND ANALYSIS:
• 5-Year Change: +3.4%
• 10-Year Change: +18.8%
• Annual Percentage Change: -2.5%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #5
• Years of Potential Life Lost (YPLL): 10169879
• Economic Burden: $79.5 billion annually
• Preventable Deaths: 29%

RISK FACTORS:
• Age: Primary factor
• Genetics (APOE4): 25%
• Education level: -15%
• Cardiovascular health: 20%
• Head trauma: 10%

International Classification of Diseases (ICD-10): G30
Data Quality: Near-Complete (95% coverage)

Human: What is the mortality rate for Alzheimer's in Canada for 75+ in 2020?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Alzheimer's
Location: Canada
Year: 2020
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 33.9 per 100,000 population
• Age-Adjusted Rate: 29.1 per 100,000
• Total Deaths: 448,092
• Percentage of All Deaths: 9.9%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 40.7 per 100,000
• Female Death Rate: 28.8 per 100,000
• Sex Ratio (M:F): 1.42:1

TREND ANALYSIS:
• 5-Year Change: +3.4%
• 10-Year Change: +18.8%
• Annual Percentage Change: -2.5%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #5
• Years of Potential Life Lost (YPLL): 10169879
• Economic Burden: $79.5 billion annually
• Preventable Deaths: 29%

RISK FACTORS:
• Age: Primary factor
• Genetics (APOE4): 25%
• Education level: -15%
• Cardiovascular health: 20%
• Head trauma: 10%

International Classification of Diseases (ICD-10): G30
Data Quality: Near-Complete (95% coverage)


Instruction: What is the occupational mortality rate for Healthcare workers?

Response:
OCCUPATIONAL MORTALITY ANALYSIS

Industry: Healthcare
Fatal Injury Rate: 146.1 per 100,000 full-time workers
Annual Deaths: 9,702

LEADING CAUSES:
• Falls: 38%
• Struck by object: 29%
• Electrocution: 13%
• Caught-in/between: 13%

Workers' compensation death benefit: $357,205

Human: What is the occupational mortality rate for Healthcare workers?

Actuarial AI: OCCUPATIONAL MORTALITY ANALYSIS

Industry: Healthcare
Fatal Injury Rate: 146.1 per 100,000 full-time workers
Annual Deaths: 9,702

LEADING CAUSES:
• Falls: 38%
• Struck by object: 29%
• Electrocution: 13%
• Caught-in/between: 13%

Workers' compensation death benefit: $357,205


Instruction: What is the occupational mortality rate for Construction workers?

Response:
OCCUPATIONAL MORTALITY ANALYSIS

Industry: Construction
Fatal Injury Rate: 71.4 per 100,000 full-time workers
Annual Deaths: 4,680

LEADING CAUSES:
• Falls: 20%
• Struck by object: 27%
• Electrocution: 13%
• Caught-in/between: 19%

Workers' compensation death benefit: $427,418

Human: What is the occupational mortality rate for Construction workers?

Actuarial AI: OCCUPATIONAL MORTALITY ANALYSIS

Industry: Construction
Fatal Injury Rate: 71.4 per 100,000 full-time workers
Annual Deaths: 4,680

LEADING CAUSES:
• Falls: 20%
• Struck by object: 27%
• Electrocution: 13%
• Caught-in/between: 19%

Workers' compensation death benefit: $427,418


Instruction: Analyze mortality differences by education in the USA

Response:
DEMOGRAPHIC MORTALITY ANALYSIS

Demographic Variable: Education
Country: USA
Analysis Period: 2021

MORTALITY RATES BY EDUCATION (per 100,000):
• Less than High School: 312.2
• High School: 273.6
• Some College: 1048.8
• Bachelor's: 762.5
• Graduate Degree: 818.0

DISPARITY METRICS:
• Rate Ratio (Highest/Lowest): 1.85
• Rate Difference: 409.1 per 100,000
• Population Attributable Risk: 24.3%
• Gini Coefficient: 0.261

LIFE EXPECTANCY BY EDUCATION:
• Less than High School: 72.8 years
• High School: 71.7 years
• Some College: 81.7 years
• Bachelor's: 75.6 years
• Graduate Degree: 74.5 years

CONTRIBUTING FACTORS:
• Healthcare Access: 23% of disparity
• Socioeconomic Status: 22% of disparity
• Environmental Factors: 23% of disparity
• Behavioral Factors: 16% of disparity
• Biological Factors: 10% of disparity

TREND ANALYSIS:
• Disparities are narrowing
• Annual change in disparity: -1.0%

Social determinants explain 66% of observed mortality differences.

Human: Analyze mortality differences by education in the USA

Actuarial AI: DEMOGRAPHIC MORTALITY ANALYSIS

Demographic Variable: Education
Country: USA
Analysis Period: 2021

MORTALITY RATES BY EDUCATION (per 100,000):
• Less than High School: 312.2
• High School: 273.6
• Some College: 1048.8
• Bachelor's: 762.5
• Graduate Degree: 818.0

DISPARITY METRICS:
• Rate Ratio (Highest/Lowest): 1.85
• Rate Difference: 409.1 per 100,000
• Population Attributable Risk: 24.3%
• Gini Coefficient: 0.261

LIFE EXPECTANCY BY EDUCATION:
• Less than High School: 72.8 years
• High School: 71.7 years
• Some College: 81.7 years
• Bachelor's: 75.6 years
• Graduate Degree: 74.5 years

CONTRIBUTING FACTORS:
• Healthcare Access: 23% of disparity
• Socioeconomic Status: 22% of disparity
• Environmental Factors: 23% of disparity
• Behavioral Factors: 16% of disparity
• Biological Factors: 10% of disparity

TREND ANALYSIS:
• Disparities are narrowing
• Annual change in disparity: -1.0%

Social determinants explain 66% of observed mortality differences.


Instruction: What is the probability of death within 5 years for someone age 84?

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 84 years
• Assessment Period: 5 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history, hypertension, heart disease

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_84): 0.011149 (1.1149%)
• 5-Year Death Probability (₍5₎q_84): 0.054516 (5.452%)
• Survival Probability (₍5₎p_84): 0.945484 (94.548%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_84): 0.011212
• Hazard Rate (h_84): 0.011212
• Cumulative Hazard (H_84): 0.056058
• Median Future Lifetime: 61.8 years

RISK CLASSIFICATION:
• Mortality Ratio: 11.1x standard
• Risk Category: Substandard
• Insurability: Substandard with exclusions
• Recommended Premium Loading: 1015%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.046339
• Upper Bound: 0.062693

Analysis based on 59,023 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: What is the probability of death within 5 years for someone age 84?

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 84 years
• Assessment Period: 5 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history, hypertension, heart disease

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_84): 0.011149 (1.1149%)
• 5-Year Death Probability (₍5₎q_84): 0.054516 (5.452%)
• Survival Probability (₍5₎p_84): 0.945484 (94.548%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_84): 0.011212
• Hazard Rate (h_84): 0.011212
• Cumulative Hazard (H_84): 0.056058
• Median Future Lifetime: 61.8 years

RISK CLASSIFICATION:
• Mortality Ratio: 11.1x standard
• Risk Category: Substandard
• Insurability: Substandard with exclusions
• Recommended Premium Loading: 1015%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.046339
• Upper Bound: 0.062693

Analysis based on 59,023 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: Analyze mortality patterns for 1944 birth cohort

Response:
BIRTH COHORT MORTALITY ANALYSIS

Birth Cohort: 1944
Current Age: 80 years
Cohort Size at Birth: 2,234,170

COHORT CHARACTERISTICS:
• Life Expectancy at Birth: 70.4 years
• Current Life Expectancy: 86.6 years
• Survival to Current Age: 91.9%

HISTORICAL EXPOSURES:
• World War II

MORTALITY PATTERN:
• Peak Infant Mortality: 26.5 per 1,000
• Current Mortality Rate: 23.7 per 1,000
• Improvement Since Birth: 67%

Cohort effects explain 23% of mortality variation.

Human: Analyze mortality patterns for 1944 birth cohort

Actuarial AI: BIRTH COHORT MORTALITY ANALYSIS

Birth Cohort: 1944
Current Age: 80 years
Cohort Size at Birth: 2,234,170

COHORT CHARACTERISTICS:
• Life Expectancy at Birth: 70.4 years
• Current Life Expectancy: 86.6 years
• Survival to Current Age: 91.9%

HISTORICAL EXPOSURES:
• World War II

MORTALITY PATTERN:
• Peak Infant Mortality: 26.5 per 1,000
• Current Mortality Rate: 23.7 per 1,000
• Improvement Since Birth: 67%

Cohort effects explain 23% of mortality variation.


Instruction: Calculate the 20-year death probability for a 73 year old

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 73 years
• Assessment Period: 20 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_73): 0.000805 (0.0805%)
• 20-Year Death Probability (₍20₎q_73): 0.015978 (1.598%)
• Survival Probability (₍20₎p_73): 0.984022 (98.402%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_73): 0.000805
• Hazard Rate (h_73): 0.000805
• Cumulative Hazard (H_73): 0.016107
• Median Future Lifetime: 860.7 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.8x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.013581
• Upper Bound: 0.018375

Analysis based on 88,947 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: Calculate the 20-year death probability for a 73 year old

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 73 years
• Assessment Period: 20 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_73): 0.000805 (0.0805%)
• 20-Year Death Probability (₍20₎q_73): 0.015978 (1.598%)
• Survival Probability (₍20₎p_73): 0.984022 (98.402%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_73): 0.000805
• Hazard Rate (h_73): 0.000805
• Cumulative Hazard (H_73): 0.016107
• Median Future Lifetime: 860.7 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.8x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.013581
• Upper Bound: 0.018375

Analysis based on 88,947 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: Show survival curve for USA male in 2017

Response:
SURVIVAL CURVE ANALYSIS

Population: USA Male
Reference Year: 2017
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            3         0.00003         79.5
    1          99,997           16         0.00016         82.6
    5          99,981           35         0.00035         70.3
   10          99,946           94         0.00094         68.0
   20          99,852          178         0.00178         56.7
   30          99,674          274         0.00275         50.9
   40          99,400          429         0.00432         35.3
   50          98,971          642         0.00649         27.6
   60          98,329          885         0.00900         21.6
   70          97,444        1,566         0.01607         11.3
   80          95,878        1,784         0.01861          3.1
   90          94,094        3,159         0.03357          4.7
  100          90,935        3,141         0.03454          4.6
  110          87,794       87,794         1.00000          4.7

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 84.9 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.3%
• Probability of Surviving to 80: 95.9%

CURVE CHARACTERISTICS:
• Type: Type II (Diagonal)
• Compression: Moderate
• Rectangularization Index: 0.86

The survival curve follows Gompertz law after age 30.
Data sourced from 348,059 death certificates.

Human: Show survival curve for USA male in 2017

Actuarial AI: SURVIVAL CURVE ANALYSIS

Population: USA Male
Reference Year: 2017
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            3         0.00003         79.5
    1          99,997           16         0.00016         82.6
    5          99,981           35         0.00035         70.3
   10          99,946           94         0.00094         68.0
   20          99,852          178         0.00178         56.7
   30          99,674          274         0.00275         50.9
   40          99,400          429         0.00432         35.3
   50          98,971          642         0.00649         27.6
   60          98,329          885         0.00900         21.6
   70          97,444        1,566         0.01607         11.3
   80          95,878        1,784         0.01861          3.1
   90          94,094        3,159         0.03357          4.7
  100          90,935        3,141         0.03454          4.6
  110          87,794       87,794         1.00000          4.7

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 84.9 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.3%
• Probability of Surviving to 80: 95.9%

CURVE CHARACTERISTICS:
• Type: Type II (Diagonal)
• Compression: Moderate
• Rectangularization Index: 0.86

The survival curve follows Gompertz law after age 30.
Data sourced from 348,059 death certificates.


Instruction: Calculate Variable Universal Life life insurance premium for 64 year old male, $100,000 coverage, Preferred Plus rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $100,000
• Duration: Lifetime Coverage
• Issue Age: 64
• Sex: Male
• Underwriting Class: Preferred Plus

PREMIUM COMPUTATION:
• Base Mortality Rate (q_64): 0.002991
• Underwriting Multiplier: 0.6x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 91% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $448.65
• Expense Charge: $112.16
• Reserve Accumulation: $149.55
• Profit Margin: $37.39
• Gross Annual Premium: $747.75

PAYMENT OPTIONS:
• Annual: $747.75
• Semi-Annual: $388.83 (x2 = $777.66/year)
• Quarterly: $198.15 (x4 = $792.61/year)
• Monthly: $67.30 (x12 = $807.57/year)

RESERVE CALCULATIONS:
• Net Level Premium: $560.81
• First Year Reserve: $149.55
• Terminal Reserve (Year 1): $54783.44

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 20 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 11.9%
Profit Margin: 9.7%
Lapse Assumption: 4.9% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Variable Universal Life life insurance premium for 64 year old male, $100,000 coverage, Preferred Plus rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $100,000
• Duration: Lifetime Coverage
• Issue Age: 64
• Sex: Male
• Underwriting Class: Preferred Plus

PREMIUM COMPUTATION:
• Base Mortality Rate (q_64): 0.002991
• Underwriting Multiplier: 0.6x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 91% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $448.65
• Expense Charge: $112.16
• Reserve Accumulation: $149.55
• Profit Margin: $37.39
• Gross Annual Premium: $747.75

PAYMENT OPTIONS:
• Annual: $747.75
• Semi-Annual: $388.83 (x2 = $777.66/year)
• Quarterly: $198.15 (x4 = $792.61/year)
• Monthly: $67.30 (x12 = $807.57/year)

RESERVE CALCULATIONS:
• Net Level Premium: $560.81
• First Year Reserve: $149.55
• Terminal Reserve (Year 1): $54783.44

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 20 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 11.9%
Profit Margin: 9.7%
Lapse Assumption: 4.9% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Calculate Whole Life life insurance premium for 48 year old female, $5,000,000 coverage, Preferred rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Whole Life Life Insurance
• Face Amount: $5,000,000
• Duration: Lifetime Coverage
• Issue Age: 48
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_48): 0.001621
• Underwriting Multiplier: 0.75x
• Product Load Factor: 3.5x
• Expense Loading: 15% of gross premium
• Commission Load: 72% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $17022.02
• Expense Charge: $4255.50
• Reserve Accumulation: $5674.01
• Profit Margin: $1418.50
• Gross Annual Premium: $28370.03

PAYMENT OPTIONS:
• Annual: $28370.03
• Semi-Annual: $14752.41 (x2 = $29504.83/year)
• Quarterly: $7518.06 (x4 = $30072.23/year)
• Monthly: $2553.30 (x12 = $30639.63/year)

RESERVE CALCULATIONS:
• Net Level Premium: $21277.52
• First Year Reserve: $5674.01
• Terminal Reserve (Year 17): $2150724.88

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2020
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 10.5%
Profit Margin: 10.6%
Lapse Assumption: 7.3% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Whole Life life insurance premium for 48 year old female, $5,000,000 coverage, Preferred rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Whole Life Life Insurance
• Face Amount: $5,000,000
• Duration: Lifetime Coverage
• Issue Age: 48
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_48): 0.001621
• Underwriting Multiplier: 0.75x
• Product Load Factor: 3.5x
• Expense Loading: 15% of gross premium
• Commission Load: 72% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $17022.02
• Expense Charge: $4255.50
• Reserve Accumulation: $5674.01
• Profit Margin: $1418.50
• Gross Annual Premium: $28370.03

PAYMENT OPTIONS:
• Annual: $28370.03
• Semi-Annual: $14752.41 (x2 = $29504.83/year)
• Quarterly: $7518.06 (x4 = $30072.23/year)
• Monthly: $2553.30 (x12 = $30639.63/year)

RESERVE CALCULATIONS:
• Net Level Premium: $21277.52
• First Year Reserve: $5674.01
• Terminal Reserve (Year 17): $2150724.88

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2020
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 10.5%
Profit Margin: 10.6%
Lapse Assumption: 7.3% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Mortality risk assessment for 81 year old over next 1 years

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 81 years
• Assessment Period: 1 year
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_81): 0.004384 (0.4384%)
• 1-Year Death Probability (₍1₎q_81): 0.004384 (0.438%)
• Survival Probability (₍1₎p_81): 0.995616 (99.562%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_81): 0.004393
• Hazard Rate (h_81): 0.004393
• Cumulative Hazard (H_81): 0.004393
• Median Future Lifetime: 157.8 years

RISK CLASSIFICATION:
• Mortality Ratio: 4.4x standard
• Risk Category: Standard
• Insurability: Standard with loading
• Recommended Premium Loading: 338%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.003726
• Upper Bound: 0.005041

Analysis based on 163,797 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: Mortality risk assessment for 81 year old over next 1 years

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 81 years
• Assessment Period: 1 year
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_81): 0.004384 (0.4384%)
• 1-Year Death Probability (₍1₎q_81): 0.004384 (0.438%)
• Survival Probability (₍1₎p_81): 0.995616 (99.562%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_81): 0.004393
• Hazard Rate (h_81): 0.004393
• Cumulative Hazard (H_81): 0.004393
• Median Future Lifetime: 157.8 years

RISK CLASSIFICATION:
• Mortality Ratio: 4.4x standard
• Risk Category: Standard
• Insurability: Standard with loading
• Recommended Premium Loading: 338%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.003726
• Upper Bound: 0.005041

Analysis based on 163,797 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: Calculate Variable Universal Life life insurance premium for 34 year old male, $750,000 coverage, Standard Plus rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $750,000
• Duration: Lifetime Coverage
• Issue Age: 34
• Sex: Male
• Underwriting Class: Standard Plus

PREMIUM COMPUTATION:
• Base Mortality Rate (q_34): 0.001650
• Underwriting Multiplier: 0.9x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 79% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $1856.79
• Expense Charge: $464.20
• Reserve Accumulation: $618.93
• Profit Margin: $154.73
• Gross Annual Premium: $3094.66

PAYMENT OPTIONS:
• Annual: $3094.66
• Semi-Annual: $1609.22 (x2 = $3218.44/year)
• Quarterly: $820.08 (x4 = $3280.34/year)
• Monthly: $278.52 (x12 = $3342.23/year)

RESERVE CALCULATIONS:
• Net Level Premium: $2320.99
• First Year Reserve: $618.93
• Terminal Reserve (Year 31): $280365.10

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2021
• Select Period: 15 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 10.8%
Profit Margin: 13.9%
Lapse Assumption: 4.3% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Variable Universal Life life insurance premium for 34 year old male, $750,000 coverage, Standard Plus rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $750,000
• Duration: Lifetime Coverage
• Issue Age: 34
• Sex: Male
• Underwriting Class: Standard Plus

PREMIUM COMPUTATION:
• Base Mortality Rate (q_34): 0.001650
• Underwriting Multiplier: 0.9x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 79% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $1856.79
• Expense Charge: $464.20
• Reserve Accumulation: $618.93
• Profit Margin: $154.73
• Gross Annual Premium: $3094.66

PAYMENT OPTIONS:
• Annual: $3094.66
• Semi-Annual: $1609.22 (x2 = $3218.44/year)
• Quarterly: $820.08 (x4 = $3280.34/year)
• Monthly: $278.52 (x12 = $3342.23/year)

RESERVE CALCULATIONS:
• Net Level Premium: $2320.99
• First Year Reserve: $618.93
• Terminal Reserve (Year 31): $280365.10

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2021
• Select Period: 15 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 10.8%
Profit Margin: 13.9%
Lapse Assumption: 4.3% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: What is the mortality rate for Septicemia in France for 75+ in 2023?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Septicemia
Location: France
Year: 2023
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 9.4 per 100,000 population
• Age-Adjusted Rate: 8.0 per 100,000
• Total Deaths: 181,564
• Percentage of All Deaths: 9.1%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 11.2 per 100,000
• Female Death Rate: 7.9 per 100,000
• Sex Ratio (M:F): 1.46:1

TREND ANALYSIS:
• 5-Year Change: -13.0%
• 10-Year Change: +14.7%
• Annual Percentage Change: +0.6%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #7
• Years of Potential Life Lost (YPLL): 2435112
• Economic Burden: $35.5 billion annually
• Preventable Deaths: 26%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): A40-A41
Data Quality: Partial (93% coverage)

Human: What is the mortality rate for Septicemia in France for 75+ in 2023?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Septicemia
Location: France
Year: 2023
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 9.4 per 100,000 population
• Age-Adjusted Rate: 8.0 per 100,000
• Total Deaths: 181,564
• Percentage of All Deaths: 9.1%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 11.2 per 100,000
• Female Death Rate: 7.9 per 100,000
• Sex Ratio (M:F): 1.46:1

TREND ANALYSIS:
• 5-Year Change: -13.0%
• 10-Year Change: +14.7%
• Annual Percentage Change: +0.6%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #7
• Years of Potential Life Lost (YPLL): 2435112
• Economic Burden: $35.5 billion annually
• Preventable Deaths: 26%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): A40-A41
Data Quality: Partial (93% coverage)


Instruction: Calculate policy reserve for 37 year old, 20-year term life, year 10

Response:
POLICY RESERVE CALCULATION

Policy Information:
• Product: 20-Year Term Life
• Face Amount: $100,000
• Issue Age: 27
• Current Age: 37
• Policy Year: 10
• Valuation Method: Net Level Premium (NLP)

RESERVE COMPONENTS:
• Net Level Premium (P): $880.28
• Present Value Future Benefits (PVFB): $43253.70
• Present Value Future Premiums (PVFP): $33802.05

TERMINAL RESERVE (₁₀V):
• Formula: ₁₀V = PVFB - PVFP
• Calculation: $25504.10
• Per $1,000 Face: $255.04

PROSPECTIVE METHOD:
• A₁_37:10⌉ = 0.2332
• ä_37:10⌉ = 8.4680
• ₁₀V = 100,000 × A₁ - P × ä = $25504.10

RETROSPECTIVE METHOD:
• Accumulated Premiums: $8837.36
• Accumulated Cost of Insurance: $3678.71
• Interest Earned: $1445.41
• ₁₀V = $25504.10

STATUTORY REQUIREMENTS:
• Minimum Reserve (CRVM): $24228.89
• Tax Reserve: $23463.77
• GAAP Reserve: $26779.30

Human: Calculate policy reserve for 37 year old, 20-year term life, year 10

Actuarial AI: POLICY RESERVE CALCULATION

Policy Information:
• Product: 20-Year Term Life
• Face Amount: $100,000
• Issue Age: 27
• Current Age: 37
• Policy Year: 10
• Valuation Method: Net Level Premium (NLP)

RESERVE COMPONENTS:
• Net Level Premium (P): $880.28
• Present Value Future Benefits (PVFB): $43253.70
• Present Value Future Premiums (PVFP): $33802.05

TERMINAL RESERVE (₁₀V):
• Formula: ₁₀V = PVFB - PVFP
• Calculation: $25504.10
• Per $1,000 Face: $255.04

PROSPECTIVE METHOD:
• A₁_37:10⌉ = 0.2332
• ä_37:10⌉ = 8.4680
• ₁₀V = 100,000 × A₁ - P × ä = $25504.10

RETROSPECTIVE METHOD:
• Accumulated Premiums: $8837.36
• Accumulated Cost of Insurance: $3678.71
• Interest Earned: $1445.41
• ₁₀V = $25504.10

STATUTORY REQUIREMENTS:
• Minimum Reserve (CRVM): $24228.89
• Tax Reserve: $23463.77
• GAAP Reserve: $26779.30


Instruction: Perform mortality assumption review for pension plan

Response:
MORTALITY ASSUMPTION VALUATION

Product: Pension Plan
Valuation Date: 12/31/2024

CURRENT ASSUMPTIONS:
• Base Table: Pri-2012
• Improvement Scale: MP-2020
• Experience Adjustment: 113%

EXPERIENCE ANALYSIS:
• Actual/Expected Ratio: 0.91
• Credibility Factor: 0.83
• Indicated Change: -4.9%

FINANCIAL IMPACT:
• Reserve Change: $0.7 million
• Funded Ratio Impact: +0.5%

Recommendation: Maintain current assumptions

Human: Perform mortality assumption review for pension plan

Actuarial AI: MORTALITY ASSUMPTION VALUATION

Product: Pension Plan
Valuation Date: 12/31/2024

CURRENT ASSUMPTIONS:
• Base Table: Pri-2012
• Improvement Scale: MP-2020
• Experience Adjustment: 113%

EXPERIENCE ANALYSIS:
• Actual/Expected Ratio: 0.91
• Credibility Factor: 0.83
• Indicated Change: -4.9%

FINANCIAL IMPACT:
• Reserve Change: $0.7 million
• Funded Ratio Impact: +0.5%

Recommendation: Maintain current assumptions


Instruction: Compare infant mortality between India, France and South Korea

Response:
INTERNATIONAL MORTALITY COMPARISON

Metric: Infant Mortality
Countries: India, France, South Korea
Reference Year: 2021

COMPARATIVE STATISTICS:
• India: 20.0 per 1,000 live births
• France: 20.3 per 1,000 live births
• South Korea: 13.8 per 1,000 live births

RANKINGS:
1. South Korea: 13.8
2. India: 20.0
3. France: 20.3

STATISTICAL ANALYSIS:
• Range: 6.5
• Mean: 18.0
• Median: 20.0
• Standard Deviation: 3.0
• Coefficient of Variation: 16.7%

RELATIVE COMPARISONS:
• Best vs Worst: 1.47x difference
• Above Average: 2/3
• Global Ranking: India: #20, France: #136, South Korea: #144

CONTRIBUTING FACTORS:
• Healthcare System: 21% of variation
• Economic Development: 17% of variation
• Public Health Policy: 12% of variation
• Demographics: 12% of variation
• Environmental Factors: 6% of variation

Convergence/Divergence: Converging at 0.9% annually

Human: Compare infant mortality between India, France and South Korea

Actuarial AI: INTERNATIONAL MORTALITY COMPARISON

Metric: Infant Mortality
Countries: India, France, South Korea
Reference Year: 2021

COMPARATIVE STATISTICS:
• India: 20.0 per 1,000 live births
• France: 20.3 per 1,000 live births
• South Korea: 13.8 per 1,000 live births

RANKINGS:
1. South Korea: 13.8
2. India: 20.0
3. France: 20.3

STATISTICAL ANALYSIS:
• Range: 6.5
• Mean: 18.0
• Median: 20.0
• Standard Deviation: 3.0
• Coefficient of Variation: 16.7%

RELATIVE COMPARISONS:
• Best vs Worst: 1.47x difference
• Above Average: 2/3
• Global Ranking: India: #20, France: #136, South Korea: #144

CONTRIBUTING FACTORS:
• Healthcare System: 21% of variation
• Economic Development: 17% of variation
• Public Health Policy: 12% of variation
• Demographics: 12% of variation
• Environmental Factors: 6% of variation

Convergence/Divergence: Converging at 0.9% annually


Instruction: Project mortality rates for China in 2032

Response:
MORTALITY PROJECTION

Country: China
Target Year: 2032
Projection Method: Lee-Carter Model with Coherent Forecasting

PROJECTED METRICS:
• Crude Death Rate: 608.2 per 100,000
• Life Expectancy: 81.8 years
• Annual Improvement: 0.83%

CONFIDENCE INTERVALS (95%):
• Lower: 516.9
• Upper: 699.4

Projection assumes continuation of current trends.
Uncertainty increases with projection horizon.

Human: Project mortality rates for China in 2032

Actuarial AI: MORTALITY PROJECTION

Country: China
Target Year: 2032
Projection Method: Lee-Carter Model with Coherent Forecasting

PROJECTED METRICS:
• Crude Death Rate: 608.2 per 100,000
• Life Expectancy: 81.8 years
• Annual Improvement: 0.83%

CONFIDENCE INTERVALS (95%):
• Lower: 516.9
• Upper: 699.4

Projection assumes continuation of current trends.
Uncertainty increases with projection horizon.


Instruction: What is the mortality rate for Parkinson's in Australia for 75+ in 2023?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Parkinson's
Location: Australia
Year: 2023
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 8.5 per 100,000 population
• Age-Adjusted Rate: 7.7 per 100,000
• Total Deaths: 104,542
• Percentage of All Deaths: 4.0%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 10.1 per 100,000
• Female Death Rate: 7.2 per 100,000
• Sex Ratio (M:F): 1.44:1

TREND ANALYSIS:
• 5-Year Change: -13.7%
• 10-Year Change: -21.4%
• Annual Percentage Change: -1.9%
• Trend: Increasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #14
• Years of Potential Life Lost (YPLL): 2653900
• Economic Burden: $47.8 billion annually
• Preventable Deaths: 49%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): G20
Data Quality: Partial (99% coverage)

Human: What is the mortality rate for Parkinson's in Australia for 75+ in 2023?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Parkinson's
Location: Australia
Year: 2023
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 8.5 per 100,000 population
• Age-Adjusted Rate: 7.7 per 100,000
• Total Deaths: 104,542
• Percentage of All Deaths: 4.0%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 10.1 per 100,000
• Female Death Rate: 7.2 per 100,000
• Sex Ratio (M:F): 1.44:1

TREND ANALYSIS:
• 5-Year Change: -13.7%
• 10-Year Change: -21.4%
• Annual Percentage Change: -1.9%
• Trend: Increasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #14
• Years of Potential Life Lost (YPLL): 2653900
• Economic Burden: $47.8 billion annually
• Preventable Deaths: 49%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): G20
Data Quality: Partial (99% coverage)


Instruction: Calculate policy reserve for 57 year old, 20-year term life, year 10

Response:
POLICY RESERVE CALCULATION

Policy Information:
• Product: 20-Year Term Life
• Face Amount: $100,000
• Issue Age: 47
• Current Age: 57
• Policy Year: 10
• Valuation Method: Net Level Premium (NLP)

RESERVE COMPONENTS:
• Net Level Premium (P): $1014.18
• Present Value Future Benefits (PVFB): $57851.70
• Present Value Future Premiums (PVFP): $31557.71

TERMINAL RESERVE (₁₀V):
• Formula: ₁₀V = PVFB - PVFP
• Calculation: $11003.74
• Per $1,000 Face: $110.04

PROSPECTIVE METHOD:
• A₁_57:10⌉ = 0.2311
• ä_57:10⌉ = 9.0926
• ₁₀V = 100,000 × A₁ - P × ä = $11003.74

RETROSPECTIVE METHOD:
• Accumulated Premiums: $8192.06
• Accumulated Cost of Insurance: $5050.90
• Interest Earned: $1005.84
• ₁₀V = $11003.74

STATUTORY REQUIREMENTS:
• Minimum Reserve (CRVM): $10453.55
• Tax Reserve: $10123.44
• GAAP Reserve: $11553.93

Human: Calculate policy reserve for 57 year old, 20-year term life, year 10

Actuarial AI: POLICY RESERVE CALCULATION

Policy Information:
• Product: 20-Year Term Life
• Face Amount: $100,000
• Issue Age: 47
• Current Age: 57
• Policy Year: 10
• Valuation Method: Net Level Premium (NLP)

RESERVE COMPONENTS:
• Net Level Premium (P): $1014.18
• Present Value Future Benefits (PVFB): $57851.70
• Present Value Future Premiums (PVFP): $31557.71

TERMINAL RESERVE (₁₀V):
• Formula: ₁₀V = PVFB - PVFP
• Calculation: $11003.74
• Per $1,000 Face: $110.04

PROSPECTIVE METHOD:
• A₁_57:10⌉ = 0.2311
• ä_57:10⌉ = 9.0926
• ₁₀V = 100,000 × A₁ - P × ä = $11003.74

RETROSPECTIVE METHOD:
• Accumulated Premiums: $8192.06
• Accumulated Cost of Insurance: $5050.90
• Interest Earned: $1005.84
• ₁₀V = $11003.74

STATUTORY REQUIREMENTS:
• Minimum Reserve (CRVM): $10453.55
• Tax Reserve: $10123.44
• GAAP Reserve: $11553.93


Instruction: Mortality risk assessment for 77 year old over next 1 years

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 77 years
• Assessment Period: 1 year
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_77): 0.002256 (0.2256%)
• 1-Year Death Probability (₍1₎q_77): 0.002256 (0.226%)
• Survival Probability (₍1₎p_77): 0.997744 (99.774%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_77): 0.002259
• Hazard Rate (h_77): 0.002259
• Cumulative Hazard (H_77): 0.002259
• Median Future Lifetime: 306.9 years

RISK CLASSIFICATION:
• Mortality Ratio: 2.3x standard
• Risk Category: Standard Plus
• Insurability: Standard or better
• Recommended Premium Loading: 126%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.001918
• Upper Bound: 0.002595

Analysis based on 65,225 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: Mortality risk assessment for 77 year old over next 1 years

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 77 years
• Assessment Period: 1 year
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_77): 0.002256 (0.2256%)
• 1-Year Death Probability (₍1₎q_77): 0.002256 (0.226%)
• Survival Probability (₍1₎p_77): 0.997744 (99.774%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_77): 0.002259
• Hazard Rate (h_77): 0.002259
• Cumulative Hazard (H_77): 0.002259
• Median Future Lifetime: 306.9 years

RISK CLASSIFICATION:
• Mortality Ratio: 2.3x standard
• Risk Category: Standard Plus
• Insurability: Standard or better
• Recommended Premium Loading: 126%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.001918
• Upper Bound: 0.002595

Analysis based on 65,225 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: Calculate Universal Life life insurance premium for 25 year old male, $750,000 coverage, Standard rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Universal Life Life Insurance
• Face Amount: $750,000
• Duration: Lifetime Coverage
• Issue Age: 25
• Sex: Male
• Underwriting Class: Standard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_25): 0.001359
• Underwriting Multiplier: 1.0x
• Product Load Factor: 2.8x
• Expense Loading: 15% of gross premium
• Commission Load: 61% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $1711.79
• Expense Charge: $427.95
• Reserve Accumulation: $570.60
• Profit Margin: $142.65
• Gross Annual Premium: $2852.99

PAYMENT OPTIONS:
• Annual: $2852.99
• Semi-Annual: $1483.55 (x2 = $2967.10/year)
• Quarterly: $756.04 (x4 = $3024.16/year)
• Monthly: $256.77 (x12 = $3081.22/year)

RESERVE CALCULATIONS:
• Net Level Premium: $2139.74
• First Year Reserve: $570.60
• Terminal Reserve (Year 40): $456649.95

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 25 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 9.6%
Profit Margin: 11.6%
Lapse Assumption: 6.1% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Universal Life life insurance premium for 25 year old male, $750,000 coverage, Standard rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Universal Life Life Insurance
• Face Amount: $750,000
• Duration: Lifetime Coverage
• Issue Age: 25
• Sex: Male
• Underwriting Class: Standard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_25): 0.001359
• Underwriting Multiplier: 1.0x
• Product Load Factor: 2.8x
• Expense Loading: 15% of gross premium
• Commission Load: 61% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $1711.79
• Expense Charge: $427.95
• Reserve Accumulation: $570.60
• Profit Margin: $142.65
• Gross Annual Premium: $2852.99

PAYMENT OPTIONS:
• Annual: $2852.99
• Semi-Annual: $1483.55 (x2 = $2967.10/year)
• Quarterly: $756.04 (x4 = $3024.16/year)
• Monthly: $256.77 (x12 = $3081.22/year)

RESERVE CALCULATIONS:
• Net Level Premium: $2139.74
• First Year Reserve: $570.60
• Terminal Reserve (Year 40): $456649.95

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 25 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 9.6%
Profit Margin: 11.6%
Lapse Assumption: 6.1% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Calculate Universal Life life insurance premium for 29 year old female, $100,000 coverage, Preferred rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Universal Life Life Insurance
• Face Amount: $100,000
• Duration: Lifetime Coverage
• Issue Age: 29
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_29): 0.000861
• Underwriting Multiplier: 0.75x
• Product Load Factor: 2.8x
• Expense Loading: 15% of gross premium
• Commission Load: 89% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $144.57
• Expense Charge: $36.14
• Reserve Accumulation: $48.19
• Profit Margin: $12.05
• Gross Annual Premium: $240.95

PAYMENT OPTIONS:
• Annual: $240.95
• Semi-Annual: $125.29 (x2 = $250.59/year)
• Quarterly: $63.85 (x4 = $255.41/year)
• Monthly: $21.69 (x12 = $260.23/year)

RESERVE CALCULATIONS:
• Net Level Premium: $180.71
• First Year Reserve: $48.19
• Terminal Reserve (Year 36): $58746.22

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2020
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 11.7%
Profit Margin: 10.0%
Lapse Assumption: 7.5% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Universal Life life insurance premium for 29 year old female, $100,000 coverage, Preferred rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Universal Life Life Insurance
• Face Amount: $100,000
• Duration: Lifetime Coverage
• Issue Age: 29
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_29): 0.000861
• Underwriting Multiplier: 0.75x
• Product Load Factor: 2.8x
• Expense Loading: 15% of gross premium
• Commission Load: 89% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $144.57
• Expense Charge: $36.14
• Reserve Accumulation: $48.19
• Profit Margin: $12.05
• Gross Annual Premium: $240.95

PAYMENT OPTIONS:
• Annual: $240.95
• Semi-Annual: $125.29 (x2 = $250.59/year)
• Quarterly: $63.85 (x4 = $255.41/year)
• Monthly: $21.69 (x12 = $260.23/year)

RESERVE CALCULATIONS:
• Net Level Premium: $180.71
• First Year Reserve: $48.19
• Terminal Reserve (Year 36): $58746.22

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2020
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 11.7%
Profit Margin: 10.0%
Lapse Assumption: 7.5% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Perform mortality assumption review for life insurance portfolio

Response:
MORTALITY ASSUMPTION VALUATION

Product: Life Insurance Portfolio
Valuation Date: 12/31/2024

CURRENT ASSUMPTIONS:
• Base Table: RP-2014
• Improvement Scale: MP-2019
• Experience Adjustment: 114%

EXPERIENCE ANALYSIS:
• Actual/Expected Ratio: 0.93
• Credibility Factor: 0.83
• Indicated Change: +6.9%

FINANCIAL IMPACT:
• Reserve Change: $8.9 million
• Funded Ratio Impact: +0.6%

Recommendation: Maintain current assumptions

Human: Perform mortality assumption review for life insurance portfolio

Actuarial AI: MORTALITY ASSUMPTION VALUATION

Product: Life Insurance Portfolio
Valuation Date: 12/31/2024

CURRENT ASSUMPTIONS:
• Base Table: RP-2014
• Improvement Scale: MP-2019
• Experience Adjustment: 114%

EXPERIENCE ANALYSIS:
• Actual/Expected Ratio: 0.93
• Credibility Factor: 0.83
• Indicated Change: +6.9%

FINANCIAL IMPACT:
• Reserve Change: $8.9 million
• Funded Ratio Impact: +0.6%

Recommendation: Maintain current assumptions


Instruction: What is the life expectancy for a 40 year old both in China as of 2023?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: China
• Age: 40 years
• Sex: Both
• Reference Year: 2023

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 40 (e_40): 36.5 years
• Expected Age at Death: 76.5 years
• Median Survival Time: 25.3 years
• Modal Age at Death: 71.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_40): 87.5%
• 10-Year Survival (₁₀p_40): 76.6%
• 20-Year Survival (₂₀p_40): 58.6%

MORTALITY METRICS:
• Force of Mortality (μ_40): 0.02670
• Probability of Death within 1 Year (q_40): 0.02635
• Hazard Rate: 0.02706

COMPARATIVE CONTEXT:
• Global Average at Age 40: 36.9 years
• Regional Rank: Top 43 globally
• Historical Trend: Stable

Based on 146,080 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.5%.

Human: What is the life expectancy for a 40 year old both in China as of 2023?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: China
• Age: 40 years
• Sex: Both
• Reference Year: 2023

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 40 (e_40): 36.5 years
• Expected Age at Death: 76.5 years
• Median Survival Time: 25.3 years
• Modal Age at Death: 71.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_40): 87.5%
• 10-Year Survival (₁₀p_40): 76.6%
• 20-Year Survival (₂₀p_40): 58.6%

MORTALITY METRICS:
• Force of Mortality (μ_40): 0.02670
• Probability of Death within 1 Year (q_40): 0.02635
• Hazard Rate: 0.02706

COMPARATIVE CONTEXT:
• Global Average at Age 40: 36.9 years
• Regional Rank: Top 43 globally
• Historical Trend: Stable

Based on 146,080 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.5%.


Instruction: What is the mortality rate for Cancer in USA for 75+ in 2022?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Cancer
Location: USA
Year: 2022
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 176.6 per 100,000 population
• Age-Adjusted Rate: 160.4 per 100,000
• Total Deaths: 6,184,995
• Percentage of All Deaths: 8.6%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 211.9 per 100,000
• Female Death Rate: 150.1 per 100,000
• Sex Ratio (M:F): 1.45:1

TREND ANALYSIS:
• 5-Year Change: +8.4%
• 10-Year Change: +16.2%
• Annual Percentage Change: +1.3%
• Trend: Increasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #2
• Years of Potential Life Lost (YPLL): 62085497
• Economic Burden: $15.7 billion annually
• Preventable Deaths: 38%

RISK FACTORS:
• Tobacco use: 30% attributable
• Diet: 20%
• Infections: 15%
• Alcohol: 10%
• Environmental: 10%

International Classification of Diseases (ICD-10): C00-C97
Data Quality: Complete (91% coverage)

Human: What is the mortality rate for Cancer in USA for 75+ in 2022?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Cancer
Location: USA
Year: 2022
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 176.6 per 100,000 population
• Age-Adjusted Rate: 160.4 per 100,000
• Total Deaths: 6,184,995
• Percentage of All Deaths: 8.6%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 211.9 per 100,000
• Female Death Rate: 150.1 per 100,000
• Sex Ratio (M:F): 1.45:1

TREND ANALYSIS:
• 5-Year Change: +8.4%
• 10-Year Change: +16.2%
• Annual Percentage Change: +1.3%
• Trend: Increasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #2
• Years of Potential Life Lost (YPLL): 62085497
• Economic Burden: $15.7 billion annually
• Preventable Deaths: 38%

RISK FACTORS:
• Tobacco use: 30% attributable
• Diet: 20%
• Infections: 15%
• Alcohol: 10%
• Environmental: 10%

International Classification of Diseases (ICD-10): C00-C97
Data Quality: Complete (91% coverage)


Instruction: Compare life expectancy between India, USA, Canada and France

Response:
INTERNATIONAL MORTALITY COMPARISON

Metric: Life Expectancy
Countries: India, USA, Canada, France
Reference Year: 2023

COMPARATIVE STATISTICS:
• India: 83.9 years
• USA: 75.8 years
• Canada: 72.7 years
• France: 78.5 years

RANKINGS:
1. India: 83.9
2. France: 78.5
3. USA: 75.8
4. Canada: 72.7

STATISTICAL ANALYSIS:
• Range: 11.3
• Mean: 77.7
• Median: 77.2
• Standard Deviation: 4.1
• Coefficient of Variation: 5.3%

RELATIVE COMPARISONS:
• Best vs Worst: 0.87x difference
• Above Average: 2/4
• Global Ranking: India: #166, USA: #82, Canada: #100

CONTRIBUTING FACTORS:
• Healthcare System: 38% of variation
• Economic Development: 29% of variation
• Public Health Policy: 11% of variation
• Demographics: 13% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 1.5% annually

Human: Compare life expectancy between India, USA, Canada and France

Actuarial AI: INTERNATIONAL MORTALITY COMPARISON

Metric: Life Expectancy
Countries: India, USA, Canada, France
Reference Year: 2023

COMPARATIVE STATISTICS:
• India: 83.9 years
• USA: 75.8 years
• Canada: 72.7 years
• France: 78.5 years

RANKINGS:
1. India: 83.9
2. France: 78.5
3. USA: 75.8
4. Canada: 72.7

STATISTICAL ANALYSIS:
• Range: 11.3
• Mean: 77.7
• Median: 77.2
• Standard Deviation: 4.1
• Coefficient of Variation: 5.3%

RELATIVE COMPARISONS:
• Best vs Worst: 0.87x difference
• Above Average: 2/4
• Global Ranking: India: #166, USA: #82, Canada: #100

CONTRIBUTING FACTORS:
• Healthcare System: 38% of variation
• Economic Development: 29% of variation
• Public Health Policy: 11% of variation
• Demographics: 13% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 1.5% annually


Instruction: Compare cancer mortality between Spain and Canada

Response:
INTERNATIONAL MORTALITY COMPARISON

Metric: Cancer Mortality
Countries: Spain, Canada
Reference Year: 2021

COMPARATIVE STATISTICS:
• Spain: 133.0 per 100,000 population
• Canada: 62.6 per 100,000 population

RANKINGS:
1. Canada: 62.6
2. Spain: 133.0

STATISTICAL ANALYSIS:
• Range: 70.4
• Mean: 97.8
• Median: 97.8
• Standard Deviation: 35.2
• Coefficient of Variation: 36.0%

RELATIVE COMPARISONS:
• Best vs Worst: 2.13x difference
• Above Average: 1/2
• Global Ranking: Spain: #1, Canada: #60

CONTRIBUTING FACTORS:
• Healthcare System: 22% of variation
• Economic Development: 29% of variation
• Public Health Policy: 21% of variation
• Demographics: 13% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 0.7% annually

Human: Compare cancer mortality between Spain and Canada

Actuarial AI: INTERNATIONAL MORTALITY COMPARISON

Metric: Cancer Mortality
Countries: Spain, Canada
Reference Year: 2021

COMPARATIVE STATISTICS:
• Spain: 133.0 per 100,000 population
• Canada: 62.6 per 100,000 population

RANKINGS:
1. Canada: 62.6
2. Spain: 133.0

STATISTICAL ANALYSIS:
• Range: 70.4
• Mean: 97.8
• Median: 97.8
• Standard Deviation: 35.2
• Coefficient of Variation: 36.0%

RELATIVE COMPARISONS:
• Best vs Worst: 2.13x difference
• Above Average: 1/2
• Global Ranking: Spain: #1, Canada: #60

CONTRIBUTING FACTORS:
• Healthcare System: 22% of variation
• Economic Development: 29% of variation
• Public Health Policy: 21% of variation
• Demographics: 13% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 0.7% annually


Instruction: What is the life expectancy for a 57 year old female in France as of 2019?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: France
• Age: 57 years
• Sex: Female
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 57 (e_57): 29.1 years
• Expected Age at Death: 86.1 years
• Median Survival Time: 20.2 years
• Modal Age at Death: 81.1 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_57): 84.7%
• 10-Year Survival (₁₀p_57): 71.8%
• 20-Year Survival (₂₀p_57): 51.5%

MORTALITY METRICS:
• Force of Mortality (μ_57): 0.03318
• Probability of Death within 1 Year (q_57): 0.03264
• Hazard Rate: 0.03374

COMPARATIVE CONTEXT:
• Global Average at Age 57: 25.5 years
• Regional Rank: Top 8 globally
• Historical Trend: Improving

Based on 312,424 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.1%.

Human: What is the life expectancy for a 57 year old female in France as of 2019?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: France
• Age: 57 years
• Sex: Female
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 57 (e_57): 29.1 years
• Expected Age at Death: 86.1 years
• Median Survival Time: 20.2 years
• Modal Age at Death: 81.1 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_57): 84.7%
• 10-Year Survival (₁₀p_57): 71.8%
• 20-Year Survival (₂₀p_57): 51.5%

MORTALITY METRICS:
• Force of Mortality (μ_57): 0.03318
• Probability of Death within 1 Year (q_57): 0.03264
• Hazard Rate: 0.03374

COMPARATIVE CONTEXT:
• Global Average at Age 57: 25.5 years
• Regional Rank: Top 8 globally
• Historical Trend: Improving

Based on 312,424 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.1%.


Instruction: What is the probability of death within 10 years for someone age 40?

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 40 years
• Assessment Period: 10 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history, obesity, heart disease

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_40): 0.002916 (0.2916%)
• 10-Year Death Probability (₍10₎q_40): 0.028784 (2.878%)
• Survival Probability (₍10₎p_40): 0.971216 (97.122%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_40): 0.002921
• Hazard Rate (h_40): 0.002921
• Cumulative Hazard (H_40): 0.029206
• Median Future Lifetime: 237.3 years

RISK CLASSIFICATION:
• Mortality Ratio: 2.9x standard
• Risk Category: Standard Plus
• Insurability: Substandard with exclusions
• Recommended Premium Loading: 192%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.024466
• Upper Bound: 0.033102

Analysis based on 86,647 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: What is the probability of death within 10 years for someone age 40?

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 40 years
• Assessment Period: 10 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: cancer history, obesity, heart disease

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_40): 0.002916 (0.2916%)
• 10-Year Death Probability (₍10₎q_40): 0.028784 (2.878%)
• Survival Probability (₍10₎p_40): 0.971216 (97.122%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_40): 0.002921
• Hazard Rate (h_40): 0.002921
• Cumulative Hazard (H_40): 0.029206
• Median Future Lifetime: 237.3 years

RISK CLASSIFICATION:
• Mortality Ratio: 2.9x standard
• Risk Category: Standard Plus
• Insurability: Substandard with exclusions
• Recommended Premium Loading: 192%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.024466
• Upper Bound: 0.033102

Analysis based on 86,647 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: What is the life expectancy for a 7 year old both in Germany as of 2020?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Germany
• Age: 7 years
• Sex: Both
• Reference Year: 2020

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 7 (e_7): 78.5 years
• Expected Age at Death: 85.5 years
• Median Survival Time: 54.4 years
• Modal Age at Death: 80.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_7): 93.9%
• 10-Year Survival (₁₀p_7): 88.2%
• 20-Year Survival (₂₀p_7): 77.8%

MORTALITY METRICS:
• Force of Mortality (μ_7): 0.01257
• Probability of Death within 1 Year (q_7): 0.01249
• Hazard Rate: 0.01265

COMPARATIVE CONTEXT:
• Global Average at Age 7: 74.2 years
• Regional Rank: Top 38 globally
• Historical Trend: Improving

Based on 492,215 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 3.9%.

Human: What is the life expectancy for a 7 year old both in Germany as of 2020?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Germany
• Age: 7 years
• Sex: Both
• Reference Year: 2020

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 7 (e_7): 78.5 years
• Expected Age at Death: 85.5 years
• Median Survival Time: 54.4 years
• Modal Age at Death: 80.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_7): 93.9%
• 10-Year Survival (₁₀p_7): 88.2%
• 20-Year Survival (₂₀p_7): 77.8%

MORTALITY METRICS:
• Force of Mortality (μ_7): 0.01257
• Probability of Death within 1 Year (q_7): 0.01249
• Hazard Rate: 0.01265

COMPARATIVE CONTEXT:
• Global Average at Age 7: 74.2 years
• Regional Rank: Top 38 globally
• Historical Trend: Improving

Based on 492,215 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 3.9%.


Instruction: Show survival curve for China population in 2016

Response:
SURVIVAL CURVE ANALYSIS

Population: China Combined
Reference Year: 2016
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            2         0.00002         77.2
    1          99,998           12         0.00012         81.4
    5          99,986           23         0.00023         76.2
   10          99,963           57         0.00057         67.0
   20          99,906          144         0.00144         61.3
   30          99,762          216         0.00217         50.2
   40          99,546          393         0.00395         40.4
   50          99,153          621         0.00626         30.6
   60          98,532          652         0.00662         18.0
   70          97,880          983         0.01004         14.5
   80          96,897        1,691         0.01745          0.0
   90          95,206        2,181         0.02291          2.7
  100          93,025        3,058         0.03287          2.8
  110          89,967       89,967         1.00000          2.8

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 77.0 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.5%
• Probability of Surviving to 80: 96.9%

CURVE CHARACTERISTICS:
• Type: Type II (Diagonal)
• Compression: Moderate
• Rectangularization Index: 0.81

The survival curve follows Gompertz law after age 30.
Data sourced from 488,600 death certificates.

Human: Show survival curve for China population in 2016

Actuarial AI: SURVIVAL CURVE ANALYSIS

Population: China Combined
Reference Year: 2016
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            2         0.00002         77.2
    1          99,998           12         0.00012         81.4
    5          99,986           23         0.00023         76.2
   10          99,963           57         0.00057         67.0
   20          99,906          144         0.00144         61.3
   30          99,762          216         0.00217         50.2
   40          99,546          393         0.00395         40.4
   50          99,153          621         0.00626         30.6
   60          98,532          652         0.00662         18.0
   70          97,880          983         0.01004         14.5
   80          96,897        1,691         0.01745          0.0
   90          95,206        2,181         0.02291          2.7
  100          93,025        3,058         0.03287          2.8
  110          89,967       89,967         1.00000          2.8

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 77.0 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.5%
• Probability of Surviving to 80: 96.9%

CURVE CHARACTERISTICS:
• Type: Type II (Diagonal)
• Compression: Moderate
• Rectangularization Index: 0.81

The survival curve follows Gompertz law after age 30.
Data sourced from 488,600 death certificates.


Instruction: Analyze mortality trends in Canada from 2009-2023

Response:
MORTALITY TREND ANALYSIS

Country: Canada
Analysis Period: 2009-2023

OVERALL TRENDS:
• Average Annual Change: -1.2%
• Total Change: -8.4%
• Trend Direction: Improving
• Statistical Significance: p < 0.001

Life expectancy decreased by 1.7 years.
Age-standardized death rate changed by +74 per 100,000.

KEY DRIVERS:
• Medical advances: 23% of improvement
• Public health measures: 27%
• Lifestyle changes: -22%
• Environmental factors: +9%

Human: Analyze mortality trends in Canada from 2009-2023

Actuarial AI: MORTALITY TREND ANALYSIS

Country: Canada
Analysis Period: 2009-2023

OVERALL TRENDS:
• Average Annual Change: -1.2%
• Total Change: -8.4%
• Trend Direction: Improving
• Statistical Significance: p < 0.001

Life expectancy decreased by 1.7 years.
Age-standardized death rate changed by +74 per 100,000.

KEY DRIVERS:
• Medical advances: 23% of improvement
• Public health measures: 27%
• Lifestyle changes: -22%
• Environmental factors: +9%


Instruction: What is the life expectancy for a 55 year old male in China as of 2021?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: China
• Age: 55 years
• Sex: Male
• Reference Year: 2021

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 55 (e_55): 20.7 years
• Expected Age at Death: 75.7 years
• Median Survival Time: 14.3 years
• Modal Age at Death: 70.7 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_55): 79.4%
• 10-Year Survival (₁₀p_55): 63.1%
• 20-Year Survival (₂₀p_55): 39.8%

MORTALITY METRICS:
• Force of Mortality (μ_55): 0.04611
• Probability of Death within 1 Year (q_55): 0.04506
• Hazard Rate: 0.04721

COMPARATIVE CONTEXT:
• Global Average at Age 55: 21.9 years
• Regional Rank: Top 2 globally
• Historical Trend: Improving

Based on 282,009 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 2.1%.

Human: What is the life expectancy for a 55 year old male in China as of 2021?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: China
• Age: 55 years
• Sex: Male
• Reference Year: 2021

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 55 (e_55): 20.7 years
• Expected Age at Death: 75.7 years
• Median Survival Time: 14.3 years
• Modal Age at Death: 70.7 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_55): 79.4%
• 10-Year Survival (₁₀p_55): 63.1%
• 20-Year Survival (₂₀p_55): 39.8%

MORTALITY METRICS:
• Force of Mortality (μ_55): 0.04611
• Probability of Death within 1 Year (q_55): 0.04506
• Hazard Rate: 0.04721

COMPARATIVE CONTEXT:
• Global Average at Age 55: 21.9 years
• Regional Rank: Top 2 globally
• Historical Trend: Improving

Based on 282,009 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 2.1%.


Instruction: What is the mortality rate for COVID-19 in Germany for 75+ in 2019?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: COVID-19
Location: Germany
Year: 2019
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 107.0 per 100,000 population
• Age-Adjusted Rate: 98.6 per 100,000
• Total Deaths: 3,486,244
• Percentage of All Deaths: 18.9%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 128.4 per 100,000
• Female Death Rate: 90.9 per 100,000
• Sex Ratio (M:F): 1.41:1

TREND ANALYSIS:
• 5-Year Change: +13.3%
• 10-Year Change: -19.5%
• Annual Percentage Change: -2.0%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #13
• Years of Potential Life Lost (YPLL): 49304345
• Economic Burden: $99.3 billion annually
• Preventable Deaths: 38%

RISK FACTORS:
• Age > 65: 80% of deaths
• Comorbidities: 75%
• Obesity: 30%
• Diabetes: 40%
• Immunocompromised: 20%

International Classification of Diseases (ICD-10): U07.1
Data Quality: Near-Complete (98% coverage)

Human: What is the mortality rate for COVID-19 in Germany for 75+ in 2019?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: COVID-19
Location: Germany
Year: 2019
Age Group: 75+

MORTALITY STATISTICS:
• Crude Death Rate: 107.0 per 100,000 population
• Age-Adjusted Rate: 98.6 per 100,000
• Total Deaths: 3,486,244
• Percentage of All Deaths: 18.9%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 128.4 per 100,000
• Female Death Rate: 90.9 per 100,000
• Sex Ratio (M:F): 1.41:1

TREND ANALYSIS:
• 5-Year Change: +13.3%
• 10-Year Change: -19.5%
• Annual Percentage Change: -2.0%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #13
• Years of Potential Life Lost (YPLL): 49304345
• Economic Burden: $99.3 billion annually
• Preventable Deaths: 38%

RISK FACTORS:
• Age > 65: 80% of deaths
• Comorbidities: 75%
• Obesity: 30%
• Diabetes: 40%
• Immunocompromised: 20%

International Classification of Diseases (ICD-10): U07.1
Data Quality: Near-Complete (98% coverage)


Instruction: What is the probability of death within 20 years for someone age 9?

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 9 years
• Assessment Period: 20 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_9): 0.000129 (0.0129%)
• 20-Year Death Probability (₍20₎q_9): 0.002583 (0.258%)
• Survival Probability (₍20₎p_9): 0.997417 (99.742%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_9): 0.000129
• Hazard Rate (h_9): 0.000129
• Cumulative Hazard (H_9): 0.002587
• Median Future Lifetime: 5359.5 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.1x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.002196
• Upper Bound: 0.002971

Analysis based on 92,815 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: What is the probability of death within 20 years for someone age 9?

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 9 years
• Assessment Period: 20 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_9): 0.000129 (0.0129%)
• 20-Year Death Probability (₍20₎q_9): 0.002583 (0.258%)
• Survival Probability (₍20₎p_9): 0.997417 (99.742%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_9): 0.000129
• Hazard Rate (h_9): 0.000129
• Cumulative Hazard (H_9): 0.002587
• Median Future Lifetime: 5359.5 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.1x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.002196
• Upper Bound: 0.002971

Analysis based on 92,815 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: What is the life expectancy for a 70 year old female in Italy as of 2015?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Italy
• Age: 70 years
• Sex: Female
• Reference Year: 2015

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 70 (e_70): 18.5 years
• Expected Age at Death: 88.5 years
• Median Survival Time: 12.8 years
• Modal Age at Death: 83.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_70): 77.4%
• 10-Year Survival (₁₀p_70): 59.9%
• 20-Year Survival (₂₀p_70): 35.9%

MORTALITY METRICS:
• Force of Mortality (μ_70): 0.05128
• Probability of Death within 1 Year (q_70): 0.04999
• Hazard Rate: 0.05264

COMPARATIVE CONTEXT:
• Global Average at Age 70: 13.4 years
• Regional Rank: Top 39 globally
• Historical Trend: Improving

Based on 186,158 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.7%.

Human: What is the life expectancy for a 70 year old female in Italy as of 2015?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Italy
• Age: 70 years
• Sex: Female
• Reference Year: 2015

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 70 (e_70): 18.5 years
• Expected Age at Death: 88.5 years
• Median Survival Time: 12.8 years
• Modal Age at Death: 83.5 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_70): 77.4%
• 10-Year Survival (₁₀p_70): 59.9%
• 20-Year Survival (₂₀p_70): 35.9%

MORTALITY METRICS:
• Force of Mortality (μ_70): 0.05128
• Probability of Death within 1 Year (q_70): 0.04999
• Hazard Rate: 0.05264

COMPARATIVE CONTEXT:
• Global Average at Age 70: 13.4 years
• Regional Rank: Top 39 globally
• Historical Trend: Improving

Based on 186,158 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.7%.


Instruction: Calculate Variable Universal Life life insurance premium for 38 year old male, $250,000 coverage, Standard rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $250,000
• Duration: Lifetime Coverage
• Issue Age: 38
• Sex: Male
• Underwriting Class: Standard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_38): 0.002095
• Underwriting Multiplier: 1.0x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 97% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $785.79
• Expense Charge: $196.45
• Reserve Accumulation: $261.93
• Profit Margin: $65.48
• Gross Annual Premium: $1309.65

PAYMENT OPTIONS:
• Annual: $1309.65
• Semi-Annual: $681.02 (x2 = $1362.03/year)
• Quarterly: $347.06 (x4 = $1388.23/year)
• Monthly: $117.87 (x12 = $1414.42/year)

RESERVE CALCULATIONS:
• Net Level Premium: $982.24
• First Year Reserve: $261.93
• Terminal Reserve (Year 27): $95402.01

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2020
• Select Period: 20 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 8.2%
Profit Margin: 11.6%
Lapse Assumption: 4.0% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Variable Universal Life life insurance premium for 38 year old male, $250,000 coverage, Standard rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Variable Universal Life Life Insurance
• Face Amount: $250,000
• Duration: Lifetime Coverage
• Issue Age: 38
• Sex: Male
• Underwriting Class: Standard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_38): 0.002095
• Underwriting Multiplier: 1.0x
• Product Load Factor: 2.5x
• Expense Loading: 15% of gross premium
• Commission Load: 97% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $785.79
• Expense Charge: $196.45
• Reserve Accumulation: $261.93
• Profit Margin: $65.48
• Gross Annual Premium: $1309.65

PAYMENT OPTIONS:
• Annual: $1309.65
• Semi-Annual: $681.02 (x2 = $1362.03/year)
• Quarterly: $347.06 (x4 = $1388.23/year)
• Monthly: $117.87 (x12 = $1414.42/year)

RESERVE CALCULATIONS:
• Net Level Premium: $982.24
• First Year Reserve: $261.93
• Terminal Reserve (Year 27): $95402.01

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2020
• Select Period: 20 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 8.2%
Profit Margin: 11.6%
Lapse Assumption: 4.0% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Calculate the 20-year death probability for a 35 year oldsmoker

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 35 years
• Assessment Period: 20 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_35): 0.000680 (0.0680%)
• 20-Year Death Probability (₍20₎q_35): 0.013504 (1.350%)
• Survival Probability (₍20₎p_35): 0.986496 (98.650%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_35): 0.000680
• Hazard Rate (h_35): 0.000680
• Cumulative Hazard (H_35): 0.013596
• Median Future Lifetime: 1019.6 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.7x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.011478
• Upper Bound: 0.015530

Analysis based on 128,351 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: Calculate the 20-year death probability for a 35 year oldsmoker

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 35 years
• Assessment Period: 20 years
• Smoking Status: Smoker (2.5x mortality multiplier)
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_35): 0.000680 (0.0680%)
• 20-Year Death Probability (₍20₎q_35): 0.013504 (1.350%)
• Survival Probability (₍20₎p_35): 0.986496 (98.650%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_35): 0.000680
• Hazard Rate (h_35): 0.000680
• Cumulative Hazard (H_35): 0.013596
• Median Future Lifetime: 1019.6 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.7x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.011478
• Upper Bound: 0.015530

Analysis based on 128,351 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: Calculate mortality improvement factors for age 67

Response:
MORTALITY IMPROVEMENT ANALYSIS

Age: 67
Base Year: 2024
Improvement Scale: MP-2021

ANNUAL IMPROVEMENT RATES:
• Historical (2000-2020): 1.62%
• Current (2024): 2.16%
• Ultimate (2044+): 0.52%

PROJECTION FACTORS:
• 10-Year Factor: 0.8036
• 20-Year Factor: 0.6457
• 30-Year Factor: 0.5189

Cohort effect adjustment: Not applied
Gender-specific: Yes

Human: Calculate mortality improvement factors for age 67

Actuarial AI: MORTALITY IMPROVEMENT ANALYSIS

Age: 67
Base Year: 2024
Improvement Scale: MP-2021

ANNUAL IMPROVEMENT RATES:
• Historical (2000-2020): 1.62%
• Current (2024): 2.16%
• Ultimate (2044+): 0.52%

PROJECTION FACTORS:
• 10-Year Factor: 0.8036
• 20-Year Factor: 0.6457
• 30-Year Factor: 0.5189

Cohort effect adjustment: Not applied
Gender-specific: Yes


Instruction: Mortality risk assessment for 18 year old over next 30 years

Response:
MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 18 years
• Assessment Period: 30 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_18): 0.000167 (0.0167%)
• 30-Year Death Probability (₍30₎q_18): 0.005005 (0.501%)
• Survival Probability (₍30₎p_18): 0.994995 (99.499%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_18): 0.000167
• Hazard Rate (h_18): 0.000167
• Cumulative Hazard (H_18): 0.005018
• Median Future Lifetime: 4144.2 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.2x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.004254
• Upper Bound: 0.005756

Analysis based on 72,094 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.

Human: Mortality risk assessment for 18 year old over next 30 years

Actuarial AI: MORTALITY RISK ASSESSMENT

Subject Profile:
• Age: 18 years
• Assessment Period: 30 years
• Smoking Status: Non-smoker
• Health Conditions: None reported

DEATH PROBABILITY CALCULATIONS:
• Annual Death Probability (q_18): 0.000167 (0.0167%)
• 30-Year Death Probability (₍30₎q_18): 0.005005 (0.501%)
• Survival Probability (₍30₎p_18): 0.994995 (99.499%)

DETAILED MORTALITY METRICS:
• Force of Mortality (μ_18): 0.000167
• Hazard Rate (h_18): 0.000167
• Cumulative Hazard (H_18): 0.005018
• Median Future Lifetime: 4144.2 years

RISK CLASSIFICATION:
• Mortality Ratio: 0.2x standard
• Risk Category: Preferred Plus
• Insurability: Standard or better
• Recommended Premium Loading: 0%

CONFIDENCE INTERVALS (95%):
• Lower Bound: 0.004254
• Upper Bound: 0.005756

Analysis based on 72,094 similar profiles.
Mortality follows Gompertz-Makeham law with parameters estimated via MLE.


Instruction: What is the life expectancy for a 81 year old male in India as of 2019?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: India
• Age: 81 years
• Sex: Male
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 81 (e_81): -3.1 years
• Expected Age at Death: 77.9 years
• Median Survival Time: -2.2 years
• Modal Age at Death: 72.9 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_81): 100.0%
• 10-Year Survival (₁₀p_81): 100.0%
• 20-Year Survival (₂₀p_81): 100.0%

MORTALITY METRICS:
• Force of Mortality (μ_81): -0.47122
• Probability of Death within 1 Year (q_81): -0.60195
• Hazard Rate: -0.38609

COMPARATIVE CONTEXT:
• Global Average at Age 81: -11.3 years
• Regional Rank: Top 44 globally
• Historical Trend: Stable

Based on 300,721 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.9%.

Human: What is the life expectancy for a 81 year old male in India as of 2019?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: India
• Age: 81 years
• Sex: Male
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 81 (e_81): -3.1 years
• Expected Age at Death: 77.9 years
• Median Survival Time: -2.2 years
• Modal Age at Death: 72.9 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_81): 100.0%
• 10-Year Survival (₁₀p_81): 100.0%
• 20-Year Survival (₂₀p_81): 100.0%

MORTALITY METRICS:
• Force of Mortality (μ_81): -0.47122
• Probability of Death within 1 Year (q_81): -0.60195
• Hazard Rate: -0.38609

COMPARATIVE CONTEXT:
• Global Average at Age 81: -11.3 years
• Regional Rank: Top 44 globally
• Historical Trend: Stable

Based on 300,721 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 4.9%.


Instruction: Calculate Term life insurance premium for 39 year old male, $500,000 coverage, 30 year term, Substandard rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Term Life Insurance
• Face Amount: $500,000
• Term Length: 30 years
• Issue Age: 39
• Sex: Male
• Underwriting Class: Substandard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_39): 0.003250
• Underwriting Multiplier: 1.5x
• Product Load Factor: 1.0x
• Expense Loading: 15% of gross premium
• Commission Load: 80% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $974.91
• Expense Charge: $243.73
• Reserve Accumulation: $324.97
• Profit Margin: $81.24
• Gross Annual Premium: $1624.85

PAYMENT OPTIONS:
• Annual: $1624.85
• Semi-Annual: $844.92 (x2 = $1689.84/year)
• Quarterly: $430.58 (x4 = $1722.34/year)
• Monthly: $146.24 (x12 = $1754.83/year)

RESERVE CALCULATIONS:
• Net Level Premium: $1218.63
• First Year Reserve: $324.97
• Terminal Reserve (Year 30): $168045.31

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 15 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 11.6%
Profit Margin: 8.3%
Lapse Assumption: 4.6% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Term life insurance premium for 39 year old male, $500,000 coverage, 30 year term, Substandard rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Term Life Insurance
• Face Amount: $500,000
• Term Length: 30 years
• Issue Age: 39
• Sex: Male
• Underwriting Class: Substandard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_39): 0.003250
• Underwriting Multiplier: 1.5x
• Product Load Factor: 1.0x
• Expense Loading: 15% of gross premium
• Commission Load: 80% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $974.91
• Expense Charge: $243.73
• Reserve Accumulation: $324.97
• Profit Margin: $81.24
• Gross Annual Premium: $1624.85

PAYMENT OPTIONS:
• Annual: $1624.85
• Semi-Annual: $844.92 (x2 = $1689.84/year)
• Quarterly: $430.58 (x4 = $1722.34/year)
• Monthly: $146.24 (x12 = $1754.83/year)

RESERVE CALCULATIONS:
• Net Level Premium: $1218.63
• First Year Reserve: $324.97
• Terminal Reserve (Year 30): $168045.31

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Male
• Improvement Scale: MP-2019
• Select Period: 15 years
• Ultimate Mortality: CSO Male Ultimate

Internal Rate of Return: 11.6%
Profit Margin: 8.3%
Lapse Assumption: 4.6% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Show survival curve for Japan population in 2022

Response:
SURVIVAL CURVE ANALYSIS

Population: Japan Combined
Reference Year: 2022
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            3         0.00003         80.8
    1          99,997           12         0.00012         83.0
    5          99,985           26         0.00026         74.4
   10          99,959           73         0.00073         72.8
   20          99,886          146         0.00146         60.0
   30          99,740          185         0.00185         46.7
   40          99,555          290         0.00291         45.0
   50          99,265          534         0.00538         27.2
   60          98,731          667         0.00676         24.4
   70          98,064        1,323         0.01349          6.7
   80          96,741        1,505         0.01556          2.2
   90          95,236        1,903         0.01998          2.9
  100          93,333        3,051         0.03269          2.6
  110          90,282       90,282         1.00000          3.7

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 80.7 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.7%
• Probability of Surviving to 80: 96.7%

CURVE CHARACTERISTICS:
• Type: Type I (Rectangular)
• Compression: High
• Rectangularization Index: 0.86

The survival curve follows Gompertz law after age 30.
Data sourced from 279,117 death certificates.

Human: Show survival curve for Japan population in 2022

Actuarial AI: SURVIVAL CURVE ANALYSIS

Population: Japan Combined
Reference Year: 2022
Initial Cohort: 100,000 births

SURVIVAL TABLE (l_x per 100,000):
  Age  Survivors (lx)  Deaths (dx) Prob Death (qx) Life Exp (ex)
============================================================
    0         100,000            3         0.00003         80.8
    1          99,997           12         0.00012         83.0
    5          99,985           26         0.00026         74.4
   10          99,959           73         0.00073         72.8
   20          99,886          146         0.00146         60.0
   30          99,740          185         0.00185         46.7
   40          99,555          290         0.00291         45.0
   50          99,265          534         0.00538         27.2
   60          98,731          667         0.00676         24.4
   70          98,064        1,323         0.01349          6.7
   80          96,741        1,505         0.01556          2.2
   90          95,236        1,903         0.01998          2.9
  100          93,333        3,051         0.03269          2.6
  110          90,282       90,282         1.00000          3.7

SURVIVAL METRICS:
• Median Survival Age: 110 years
• Life Expectancy at Birth: 80.7 years
• Infant Mortality Rate: 0.0 per 1,000
• Probability of Surviving to 65: 98.7%
• Probability of Surviving to 80: 96.7%

CURVE CHARACTERISTICS:
• Type: Type I (Rectangular)
• Compression: High
• Rectangularization Index: 0.86

The survival curve follows Gompertz law after age 30.
Data sourced from 279,117 death certificates.


Instruction: Compare suburban vs other area mortality rates in Canada

Response:
GEOGRAPHIC MORTALITY ANALYSIS

Country: Canada
Focus: Suburban Areas

MORTALITY RATES (per 100,000):
• Urban: 762.1
• Rural: 856.7
• Suburban: 757.5

Rural areas show 12.4% higher mortality.
Primary factors: healthcare access, emergency response times, demographics.

Human: Compare suburban vs other area mortality rates in Canada

Actuarial AI: GEOGRAPHIC MORTALITY ANALYSIS

Country: Canada
Focus: Suburban Areas

MORTALITY RATES (per 100,000):
• Urban: 762.1
• Rural: 856.7
• Suburban: 757.5

Rural areas show 12.4% higher mortality.
Primary factors: healthcare access, emergency response times, demographics.


Instruction: What is the life expectancy for a 23 year old female in Australia as of 2019?

Response:
ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Australia
• Age: 23 years
• Sex: Female
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 23 (e_23): 66.4 years
• Expected Age at Death: 89.4 years
• Median Survival Time: 46.0 years
• Modal Age at Death: 84.4 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_23): 92.9%
• 10-Year Survival (₁₀p_23): 86.2%
• 20-Year Survival (₂₀p_23): 74.3%

MORTALITY METRICS:
• Force of Mortality (μ_23): 0.01483
• Probability of Death within 1 Year (q_23): 0.01472
• Hazard Rate: 0.01494

COMPARATIVE CONTEXT:
• Global Average at Age 23: 59.9 years
• Regional Rank: Top 48 globally
• Historical Trend: Improving

Based on 441,771 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 3.9%.

Human: What is the life expectancy for a 23 year old female in Australia as of 2019?

Actuarial AI: ACTUARIAL ANALYSIS: Life Expectancy Calculation

Demographics:
• Location: Australia
• Age: 23 years
• Sex: Female
• Reference Year: 2019

LIFE EXPECTANCY METRICS:
• Life Expectancy at Age 23 (e_23): 66.4 years
• Expected Age at Death: 89.4 years
• Median Survival Time: 46.0 years
• Modal Age at Death: 84.4 years

SURVIVAL PROBABILITIES:
• 5-Year Survival (₅p_23): 92.9%
• 10-Year Survival (₁₀p_23): 86.2%
• 20-Year Survival (₂₀p_23): 74.3%

MORTALITY METRICS:
• Force of Mortality (μ_23): 0.01483
• Probability of Death within 1 Year (q_23): 0.01472
• Hazard Rate: 0.01494

COMPARATIVE CONTEXT:
• Global Average at Age 23: 59.9 years
• Regional Rank: Top 48 globally
• Historical Trend: Improving

Based on 441,771 death records and actuarial projections.
Each year survived reduces remaining uncertainty by 3.9%.


Instruction: Calculate Term life insurance premium for 26 year old female, $1,000,000 coverage, 25 year term, Preferred rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Term Life Insurance
• Face Amount: $1,000,000
• Term Length: 25 years
• Issue Age: 26
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_26): 0.000779
• Underwriting Multiplier: 0.75x
• Product Load Factor: 1.0x
• Expense Loading: 15% of gross premium
• Commission Load: 84% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $467.19
• Expense Charge: $116.80
• Reserve Accumulation: $155.73
• Profit Margin: $38.93
• Gross Annual Premium: $778.64

PAYMENT OPTIONS:
• Annual: $778.64
• Semi-Annual: $404.90 (x2 = $809.79/year)
• Quarterly: $206.34 (x4 = $825.36/year)
• Monthly: $70.08 (x12 = $840.94/year)

RESERVE CALCULATIONS:
• Net Level Premium: $583.98
• First Year Reserve: $155.73
• Terminal Reserve (Year 25): $332591.70

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2019
• Select Period: 15 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 9.1%
Profit Margin: 13.2%
Lapse Assumption: 7.2% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Term life insurance premium for 26 year old female, $1,000,000 coverage, 25 year term, Preferred rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Term Life Insurance
• Face Amount: $1,000,000
• Term Length: 25 years
• Issue Age: 26
• Sex: Female
• Underwriting Class: Preferred

PREMIUM COMPUTATION:
• Base Mortality Rate (q_26): 0.000779
• Underwriting Multiplier: 0.75x
• Product Load Factor: 1.0x
• Expense Loading: 15% of gross premium
• Commission Load: 84% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $467.19
• Expense Charge: $116.80
• Reserve Accumulation: $155.73
• Profit Margin: $38.93
• Gross Annual Premium: $778.64

PAYMENT OPTIONS:
• Annual: $778.64
• Semi-Annual: $404.90 (x2 = $809.79/year)
• Quarterly: $206.34 (x4 = $825.36/year)
• Monthly: $70.08 (x12 = $840.94/year)

RESERVE CALCULATIONS:
• Net Level Premium: $583.98
• First Year Reserve: $155.73
• Terminal Reserve (Year 25): $332591.70

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2019
• Select Period: 15 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 9.1%
Profit Margin: 13.2%
Lapse Assumption: 7.2% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: What is the mortality rate for Kidney Disease in USA for 45-64 in 2021?

Response:
CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Kidney Disease
Location: USA
Year: 2021
Age Group: 45-64

MORTALITY STATISTICS:
• Crude Death Rate: 15.9 per 100,000 population
• Age-Adjusted Rate: 14.5 per 100,000
• Total Deaths: 576,752
• Percentage of All Deaths: 8.5%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 19.0 per 100,000
• Female Death Rate: 13.5 per 100,000
• Sex Ratio (M:F): 1.40:1

TREND ANALYSIS:
• 5-Year Change: +2.9%
• 10-Year Change: +6.4%
• Annual Percentage Change: -1.3%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #1
• Years of Potential Life Lost (YPLL): 16538586
• Economic Burden: $86.9 billion annually
• Preventable Deaths: 36%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): N00-N19
Data Quality: Partial (95% coverage)

Human: What is the mortality rate for Kidney Disease in USA for 45-64 in 2021?

Actuarial AI: CAUSE-SPECIFIC MORTALITY ANALYSIS

Cause of Death: Kidney Disease
Location: USA
Year: 2021
Age Group: 45-64

MORTALITY STATISTICS:
• Crude Death Rate: 15.9 per 100,000 population
• Age-Adjusted Rate: 14.5 per 100,000
• Total Deaths: 576,752
• Percentage of All Deaths: 8.5%

DEMOGRAPHIC BREAKDOWN:
• Male Death Rate: 19.0 per 100,000
• Female Death Rate: 13.5 per 100,000
• Sex Ratio (M:F): 1.40:1

TREND ANALYSIS:
• 5-Year Change: +2.9%
• 10-Year Change: +6.4%
• Annual Percentage Change: -1.3%
• Trend: Decreasing

COMPARATIVE METRICS:
• Rank Among Leading Causes: #1
• Years of Potential Life Lost (YPLL): 16538586
• Economic Burden: $86.9 billion annually
• Preventable Deaths: 36%

RISK FACTORS:
• Multiple factors
• Age-dependent
• Varies by population

International Classification of Diseases (ICD-10): N00-N19
Data Quality: Partial (95% coverage)


Instruction: Analyze mortality differences by education in the USA

Response:
DEMOGRAPHIC MORTALITY ANALYSIS

Demographic Variable: Education
Country: USA
Analysis Period: 2023

MORTALITY RATES BY EDUCATION (per 100,000):
• Less than High School: 312.2
• High School: 772.1
• Some College: 584.8
• Bachelor's: 321.9
• Graduate Degree: 1134.3

DISPARITY METRICS:
• Rate Ratio (Highest/Lowest): 1.71
• Rate Difference: 641.6 per 100,000
• Population Attributable Risk: 26.2%
• Gini Coefficient: 0.270

LIFE EXPECTANCY BY EDUCATION:
• Less than High School: 82.1 years
• High School: 73.1 years
• Some College: 77.4 years
• Bachelor's: 84.6 years
• Graduate Degree: 81.6 years

CONTRIBUTING FACTORS:
• Healthcare Access: 24% of disparity
• Socioeconomic Status: 26% of disparity
• Environmental Factors: 15% of disparity
• Behavioral Factors: 18% of disparity
• Biological Factors: 11% of disparity

TREND ANALYSIS:
• Disparities are narrowing
• Annual change in disparity: +1.3%

Social determinants explain 66% of observed mortality differences.

Human: Analyze mortality differences by education in the USA

Actuarial AI: DEMOGRAPHIC MORTALITY ANALYSIS

Demographic Variable: Education
Country: USA
Analysis Period: 2023

MORTALITY RATES BY EDUCATION (per 100,000):
• Less than High School: 312.2
• High School: 772.1
• Some College: 584.8
• Bachelor's: 321.9
• Graduate Degree: 1134.3

DISPARITY METRICS:
• Rate Ratio (Highest/Lowest): 1.71
• Rate Difference: 641.6 per 100,000
• Population Attributable Risk: 26.2%
• Gini Coefficient: 0.270

LIFE EXPECTANCY BY EDUCATION:
• Less than High School: 82.1 years
• High School: 73.1 years
• Some College: 77.4 years
• Bachelor's: 84.6 years
• Graduate Degree: 81.6 years

CONTRIBUTING FACTORS:
• Healthcare Access: 24% of disparity
• Socioeconomic Status: 26% of disparity
• Environmental Factors: 15% of disparity
• Behavioral Factors: 18% of disparity
• Biological Factors: 11% of disparity

TREND ANALYSIS:
• Disparities are narrowing
• Annual change in disparity: +1.3%

Social determinants explain 66% of observed mortality differences.


Instruction: Calculate Whole Life life insurance premium for 34 year old female, $1,000,000 coverage, Substandard rating

Response:
LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Whole Life Life Insurance
• Face Amount: $1,000,000
• Duration: Lifetime Coverage
• Issue Age: 34
• Sex: Female
• Underwriting Class: Substandard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_34): 0.002033
• Underwriting Multiplier: 1.5x
• Product Load Factor: 3.5x
• Expense Loading: 15% of gross premium
• Commission Load: 62% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $4269.73
• Expense Charge: $1067.43
• Reserve Accumulation: $1423.24
• Profit Margin: $355.81
• Gross Annual Premium: $7116.21

PAYMENT OPTIONS:
• Annual: $7116.21
• Semi-Annual: $3700.43 (x2 = $7400.86/year)
• Quarterly: $1885.80 (x4 = $7543.19/year)
• Monthly: $640.46 (x12 = $7685.51/year)

RESERVE CALCULATIONS:
• Net Level Premium: $5337.16
• First Year Reserve: $1423.24
• Terminal Reserve (Year 31): $606641.58

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2019
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 10.9%
Profit Margin: 9.7%
Lapse Assumption: 3.0% annual

Illustration assumes guaranteed rates. Actual results may vary.

Human: Calculate Whole Life life insurance premium for 34 year old female, $1,000,000 coverage, Substandard rating

Actuarial AI: LIFE INSURANCE PREMIUM CALCULATION

Policy Details:
• Product Type: Whole Life Life Insurance
• Face Amount: $1,000,000
• Duration: Lifetime Coverage
• Issue Age: 34
• Sex: Female
• Underwriting Class: Substandard

PREMIUM COMPUTATION:
• Base Mortality Rate (q_34): 0.002033
• Underwriting Multiplier: 1.5x
• Product Load Factor: 3.5x
• Expense Loading: 15% of gross premium
• Commission Load: 62% first year, 5% renewal

ANNUAL PREMIUM BREAKDOWN:
• Mortality Cost: $4269.73
• Expense Charge: $1067.43
• Reserve Accumulation: $1423.24
• Profit Margin: $355.81
• Gross Annual Premium: $7116.21

PAYMENT OPTIONS:
• Annual: $7116.21
• Semi-Annual: $3700.43 (x2 = $7400.86/year)
• Quarterly: $1885.80 (x4 = $7543.19/year)
• Monthly: $640.46 (x12 = $7685.51/year)

RESERVE CALCULATIONS:
• Net Level Premium: $5337.16
• First Year Reserve: $1423.24
• Terminal Reserve (Year 31): $606641.58

MORTALITY ASSUMPTIONS:
• Mortality Table: 2017 CSO Female
• Improvement Scale: MP-2019
• Select Period: 25 years
• Ultimate Mortality: CSO Female Ultimate

Internal Rate of Return: 10.9%
Profit Margin: 9.7%
Lapse Assumption: 3.0% annual

Illustration assumes guaranteed rates. Actual results may vary.


Instruction: Compare cardiovascular mortality between Brazil, Mexico, Germany, Russia and Spain

Response:
INTERNATIONAL MORTALITY COMPARISON

Metric: Cardiovascular Mortality
Countries: Brazil, Mexico, Germany, Russia, Spain
Reference Year: 2020

COMPARATIVE STATISTICS:
• Brazil: 203.6 per 100,000 population
• Mexico: 116.7 per 100,000 population
• Germany: 160.5 per 100,000 population
• Russia: 116.4 per 100,000 population
• Spain: 235.4 per 100,000 population

RANKINGS:
1. Russia: 116.4
2. Mexico: 116.7
3. Germany: 160.5
4. Brazil: 203.6
5. Spain: 235.4

STATISTICAL ANALYSIS:
• Range: 119.0
• Mean: 166.5
• Median: 160.5
• Standard Deviation: 47.2
• Coefficient of Variation: 28.4%

RELATIVE COMPARISONS:
• Best vs Worst: 2.02x difference
• Above Average: 2/5
• Global Ranking: Brazil: #42, Mexico: #120, Germany: #153

CONTRIBUTING FACTORS:
• Healthcare System: 23% of variation
• Economic Development: 35% of variation
• Public Health Policy: 21% of variation
• Demographics: 19% of variation
• Environmental Factors: 12% of variation

Convergence/Divergence: Converging at 0.7% annually

Human: Compare cardiovascular mortality between Brazil, Mexico, Germany, Russia and Spain

Actuarial AI: INTERNATIONAL MORTALITY COMPARISON

Metric: Cardiovascular Mortality
Countries: Brazil, Mexico, Germany, Russia, Spain
Reference Year: 2020

COMPARATIVE STATISTICS:
• Brazil: 203.6 per 100,000 population
• Mexico: 116.7 per 100,000 population
• Germany: 160.5 per 100,000 population
• Russia: 116.4 per 100,000 population
• Spain: 235.4 per 100,000 population

RANKINGS:
1. Russia: 116.4
2. Mexico: 116.7
3. Germany: 160.5
4. Brazil: 203.6
5. Spain: 235.4

STATISTICAL ANALYSIS:
• Range: 119.0
• Mean: 166.5
• Median: 160.5
• Standard Deviation: 47.2
• Coefficient of Variation: 28.4%

RELATIVE COMPARISONS:
• Best vs Worst: 2.02x difference
• Above Average: 2/5
• Global Ranking: Brazil: #42, Mexico: #120, Germany: #153

CONTRIBUTING FACTORS:
• Healthcare System: 23% of variation
• Economic Development: 35% of variation
• Public Health Policy: 21% of variation
• Demographics: 19% of variation
• Environmental Factors: 12% of variation

Convergence/Divergence: Converging at 0.7% annually


Instruction: Analyze mortality patterns for 1931 birth cohort

Response:
BIRTH COHORT MORTALITY ANALYSIS

Birth Cohort: 1931
Current Age: 93 years
Cohort Size at Birth: 3,116,855

COHORT CHARACTERISTICS:
• Life Expectancy at Birth: 68.4 years
• Current Life Expectancy: 87.7 years
• Survival to Current Age: 62.6%

HISTORICAL EXPOSURES:
• Standard exposures

MORTALITY PATTERN:
• Peak Infant Mortality: 48.4 per 1,000
• Current Mortality Rate: 20.1 per 1,000
• Improvement Since Birth: 41%

Cohort effects explain 19% of mortality variation.

Human: Analyze mortality patterns for 1931 birth cohort

Actuarial AI: BIRTH COHORT MORTALITY ANALYSIS

Birth Cohort: 1931
Current Age: 93 years
Cohort Size at Birth: 3,116,855

COHORT CHARACTERISTICS:
• Life Expectancy at Birth: 68.4 years
• Current Life Expectancy: 87.7 years
• Survival to Current Age: 62.6%

HISTORICAL EXPOSURES:
• Standard exposures

MORTALITY PATTERN:
• Peak Infant Mortality: 48.4 per 1,000
• Current Mortality Rate: 20.1 per 1,000
• Improvement Since Birth: 41%

Cohort effects explain 19% of mortality variation.


Instruction: Compare life expectancy between Russia and Australia

Response:
INTERNATIONAL MORTALITY COMPARISON

Metric: Life Expectancy
Countries: Russia, Australia
Reference Year: 2022

COMPARATIVE STATISTICS:
• Russia: 73.7 years
• Australia: 74.9 years

RANKINGS:
1. Australia: 74.9
2. Russia: 73.7

STATISTICAL ANALYSIS:
• Range: 1.2
• Mean: 74.3
• Median: 74.3
• Standard Deviation: 0.6
• Coefficient of Variation: 0.8%

RELATIVE COMPARISONS:
• Best vs Worst: 0.98x difference
• Above Average: 1/2
• Global Ranking: Russia: #188, Australia: #153

CONTRIBUTING FACTORS:
• Healthcare System: 37% of variation
• Economic Development: 27% of variation
• Public Health Policy: 19% of variation
• Demographics: 10% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 1.5% annually

Human: Compare life expectancy between Russia and Australia

Actuarial AI: INTERNATIONAL MORTALITY COMPARISON

Metric: Life Expectancy
Countries: Russia, Australia
Reference Year: 2022

COMPARATIVE STATISTICS:
• Russia: 73.7 years
• Australia: 74.9 years

RANKINGS:
1. Australia: 74.9
2. Russia: 73.7

STATISTICAL ANALYSIS:
• Range: 1.2
• Mean: 74.3
• Median: 74.3
• Standard Deviation: 0.6
• Coefficient of Variation: 0.8%

RELATIVE COMPARISONS:
• Best vs Worst: 0.98x difference
• Above Average: 1/2
• Global Ranking: Russia: #188, Australia: #153

CONTRIBUTING FACTORS:
• Healthcare System: 37% of variation
• Economic Development: 27% of variation
• Public Health Policy: 19% of variation
• Demographics: 10% of variation
• Environmental Factors: 9% of variation

Convergence/Divergence: Diverging at 1.5% annually