x lx dx sx fx px qx µx

0 100000 894 1 0 0.99106 0.00894

1 99106 79 0.99106 0.00894 0.9992028737 0.00079713 0.00488882
2 99027 47 0.99027 0.00973 0.999525382 0.00047462 0.00063609
3 98980 37 0.9898 0.0102 0.9996261871 0.00037381 0.00042431
4 98943 32 0.98943 0.01057 0.9996765815 0.00032342 0.00034868
5 98911 28 0.98911 0.01089 0.9997169172 0.00028308 0.0003033
6 98883 27 0.98883 0.01117 0.99972695 0.00027305 0.00027811
7 98856 26 0.98856 0.01144 0.9997369912 0.00026301 0.00026807
8 98830 24 0.9883 0.0117 0.9997571588 0.00024284 0.00025296
9 98806 22 0.98806 0.01194 0.9997773415 0.00022266 0.00023278
10 98784 22 0.98784 0.01216 0.9997772919 0.00022271 0.00022271
11 98762 23 0.98762 0.01238 0.9997671169 0.00023288 0.00022782
12 98739 22 0.98739 0.01261 0.9997771904 0.00022281 0.00022787
13 98717 25 0.98717 0.01283 0.9997467508 0.00025325 0.00023806
14 98692 30 0.98692 0.01308 0.999696024 0.00030398 0.00027865
15 98662 39 0.98662 0.01338 0.999604711 0.00039529 0.00034969
16 98623 46 0.98623 0.01377 0.9995335774 0.00046642 0.00043095
17 98577 54 0.98577 0.01423 0.9994522049 0.0005478 0.00050724
18 98523 63 0.98523 0.01477 0.9993605554 0.00063944 0.0005938
19 98460 67 0.9846 0.0154 0.9993195206 0.00068048 0.00066018
20 98393 72 0.98393 0.01607 0.9992682406 0.00073176 0.00070637
21 98321 76 0.98321 0.01679 0.9992270217 0.00077298 0.00075265
22 98245 79 0.98245 0.01755 0.9991958878 0.00080411 0.00078886
23 98166 77 0.98166 0.01834 0.9992156144 0.00078439 0.00079456
24 98089 80 0.98089 0.01911 0.9991844142 0.00081559 0.00080031
25 98009 82 0.98009 0.01991 0.9991633421 0.00083666 0.00082646
26 97927 80 0.97927 0.02073 0.9991830649 0.00081694 0.00082714
27 97847 77 0.97847 0.02153 0.9992130571 0.00078694 0.00080226
28 97770 77 0.9777 0.0223 0.9992124374 0.00078756 0.00078756
29 97693 80 0.97693 0.02307 0.9991811082 0.00081889 0.00080355
30 97613 81 0.97613 0.02387 0.9991701925 0.00082981 0.00082469
31 97532 82 0.97532 0.02468 0.9991592503 0.00084075 0.00083563
32 97450 87 0.9745 0.0255 0.9991072345 0.00089277 0.00086713
33 97363 91 0.97363 0.02637 0.9990653534 0.00093465 0.00091412
34 97272 98 0.97272 0.02728 0.9989925158 0.00100748 0.00097154
35 97174 106 0.97174 0.02826 0.9989091732 0.00109083 0.00104971
36 97068 117 0.97068 0.02932 0.9987946594 0.00120534 0.00114874
37 96951 123 0.96951 0.03049 0.9987313179 0.00126868 0.00123778
38 96828 129 0.96828 0.03172 0.9986677407 0.00133226 0.00130132
39 96699 137 0.96699 0.03301 0.9985832325 0.00141677 0.00137546
40 96562 151 0.96562 0.03438 0.9984362379 0.00156376 0.00149138
41 96411 171 0.96411 0.03589 0.9982263435 0.00177366 0.00167011
42 96240 189 0.9624 0.0376 0.9980361596 0.00196384 0.0018705
43 96051 185 0.96051 0.03949 0.9980739399 0.00192606 0.00194684
44 95866 207 0.95866 0.04134 0.997840736 0.00215926 0.00204476
45 95659 241 0.95659 0.04341 0.9974806343 0.00251937 0.00234207
46 95418 249 0.95418 0.04582 0.9973904295 0.00260957 0.00256776
47 95169 254 0.95169 0.04831 0.9973310637 0.00266894 0.00264274
48 94915 317 0.94915 0.05085 0.9966601696 0.00333983 0.00300896
49 94598 356 0.94598 0.05402 0.9962367069 0.00376329 0.00355791
50 94242 371 0.94242 0.05758 0.9960633263 0.00393667 0.00385742
51 93871 391 0.93871 0.06129 0.9958347093 0.00416529 0.00405922
52 93480 436 0.9348 0.0652 0.9953359007 0.0046641 0.0044245
53 93044 478 0.93044 0.06956 0.9948626456 0.00513735 0.0049128
54 92566 518 0.92566 0.07434 0.9944039928 0.00559601 0.00538116
55 92048 555 0.92048 0.07952 0.9939705371 0.00602946 0.00582972
56 91493 608 0.91493 0.08507 0.9933546829 0.00664532 0.0063576
57 90885 655 0.90885 0.09115 0.9927930902 0.00720691 0.00695025
58 90230 717 0.9023 0.0977 0.9920536407 0.00794636 0.00760555
59 89513 783 0.89513 0.10487 0.9912526672 0.00874733 0.00838196
60 88730 859 0.8873 0.1127 0.9903189451 0.00968105 0.00925702
61 87871 922 0.87871 0.12129 0.989507346 0.01049265 0.01013816
62 86949 1008 0.86949 0.13051 0.9884069972 0.011593 0.01110441
63 85941 1087 0.85941 0.14059 0.9873517879 0.01264821 0.0121948
64 84854 1186 0.84854 0.15146 0.9860230514 0.01397695 0.01340221
65 83668 1252 0.83668 0.16332 0.985036095 0.0149639 0.01457627
66 82416 1323 0.82416 0.17584 0.9839472918 0.01605271 0.01562997
67 81093 1418 0.81093 0.18907 0.9825139038 0.0174861 0.01691187
68 79675 1562 0.79675 0.20325 0.9803953561 0.01960464 0.01872007
69 78113 1679 0.78113 0.21887 0.9785054984 0.0214945 0.02076412
70 76434 1836 0.76434 0.23566 0.9759792762 0.02402072 0.0230214
71 74598 1992 0.74598 0.25402 0.9732968712 0.02670313 0.02569003
72 72606 2151 0.72606 0.27394 0.9703743492 0.02962565 0.02856974
73 70455 2311 0.70455 0.29545 0.9671989213 0.03280108 0.03171222
74 68144 2519 0.68144 0.31856 0.9630341629 0.03696584 0.03550874
75 65625 2714 0.65625 0.34375 0.9586438095 0.04135619 0.03995104
76 62911 2921 0.62911 0.37089 0.9535693281 0.04643067 0.04488942
77 59990 2999 0.5999 0.4001 0.9500083347 0.04999167 0.04941383
78 56991 3323 0.56991 0.43009 0.9416925479 0.05830745 0.05568048
79 53668 3433 0.53668 0.46332 0.9360326452 0.06396735 0.06309068
80 50235 3872 0.50235 0.49765 0.9229222654 0.07707773 0.0731576
81 46363 3455 0.46363 0.53637 0.9254793693 0.07452063 0.07882685
82 42908 3818 0.42908 0.57092 0.9110189242 0.08898108 0.08531752
83 39090 3826 0.3909 0.6091 0.9021233052 0.09787669 0.09809784
84 35264 3886 0.35264 0.64736 0.8898026316 0.11019737 0.10987983
85 31378 3871 0.31378 0.68622 0.87663331 0.12336669 0.12421105
86 27507 3650 0.27507 0.72493 0.8673065038 0.1326935 0.13701467
87 23857 3348 0.23857 0.76143 0.8596638303 0.14033617 0.14678835
 88 20509 3356 0.20509 0.79491 0.8363645229 0.16363548 0.16495229
89 17153 3159 0.17153 0.82847 0.8158339649 0.18416604 0.19111757
90 13994 2781 0.13994 0.86006 0.8012719737 0.19872803 0.21254963
91 11213 2158 0.11213 0.88787 0.8075448141 0.19245519 0.21765579
92 9055 1808 0.09055 0.90945 0.8003313087 0.19966869 0.21824311
93 7247 1584 0.07247 0.92753 0.7814267973 0.2185732 0.23468165
94 5663 1404 0.05663 0.94337 0.752074872 0.24792513 0.2657766
95 4259 1220 0.04259 0.95741 0.7135477812 0.28645222 0.31121264
96 3039 1011 0.03039 0.96961 0.6673247779 0.33267522 0.37099215
97 2028 781 0.02028 0.97972 0.6148915187 0.38510848 0.44539392
98 1247 552 0.01247 0.98753 0.5573376103 0.44266239 0.53544676
99 695 350 0.00695 0.99305 0.4964028777 0.50359712 0.64247576
100 345 345 0.00345 0.99655
101
 tasa de interes 4.50%
ex e0x Dx Cx Mx Rx Nx
76.01333 76.51333 100000 855.502392 5230.00671 267579.567 2200769.84
75.699019 76.1990192 94838.27751196 72.3426661 4374.50432 262349.561 2100769.84
74.759409 75.2594091 90681.98988118 41.1859404 4302.16165 257975.056 2005931.57
73.794908 74.2949081 86735.83786935 31.0267697 4260.97571 253672.895 1915249.58
72.822504 73.3225039 82969.77501914 25.6784335 4229.94894 249411.919 1828513.74
71.846064 72.3460636 79371.23546043 21.5010807 4204.27051 245181.97 1745543.96
70.866408 71.3664078 75931.83428816 19.8403684 4182.76943 240977.7 1666172.73
69.885763 70.3857631 72642.20201266 18.2828133 4162.92906 236794.93 1590240.89
68.904149 69.4041485 69495.78609833 16.1497063 4144.64625 232632.001 1517598.69
67.920885 68.4208854 66486.99488544 14.166409 4128.49654 228487.355 1448102.91
66.936012 67.4360119 63609.75214166 13.5563723 4114.33013 224358.858 1381615.91
65.950922 66.4509224 60857.01983986 13.5622689 4100.77376 220244.528 1318006.16
64.966285 65.4662849 58222.82035298 12.4139761 4087.21149 216143.754 1257149.14
63.980763 64.4807632 55703.20358656 13.4993216 4074.79751 212056.543 1198926.32
62.99697 63.4969704 53291.00171821 15.5016133 4061.29819 207981.745 1143223.12
62.016126 62.5161258 50980.67227976 19.2843036 4045.79658 203920.447 1089932.11
61.04065 61.5406497 48766.04802154 21.7661137 4026.51228 199874.651 1038951.44
60.069134 60.5691338 46644.30854803 24.4512199 4004.74616 195848.138 990185.393
59.102057 59.6020574 44611.25073992 27.2980127 3980.29494 191843.392 943541.085
58.139874 58.6398741 42662.89408295 27.7810716 3952.99693 187863.097 898929.834
57.179464 57.679464 40797.95489295 28.5686946 3925.21586 183910.1 856266.94
56.221336 56.7213362 39012.53646607 28.8572673 3896.64716 179984.884 815468.985
55.264828 55.7648277 37303.71351362 28.7046603 3867.7899 176088.237 776456.448
54.309303 54.8093026 35668.6288456 26.7731675 3839.08523 172220.447 739152.735
53.351935 53.8519355 34105.88601493 26.6184477 3812.31207 168381.362 703484.106
52.395484 52.8954841 32610.59304981 26.1090038 3785.69362 164569.05 669378.22
51.439358 51.9393579 31180.20013481 24.3753098 3759.58462 160783.356 636767.627
50.481415 50.9814149 29813.13678088 22.4509433 3735.20931 157023.772 605587.427
49.521172 50.0211721 28506.86655039 21.4841562 3712.75836 153288.563 575774.29
48.560204 49.0602039 27257.8139781 21.3600012 3691.27421 149575.804 547267.424
47.600002 48.100002 26062.67251369 20.695695 3669.91421 145884.53 520009.61
46.639534 47.1395337 24919.66077744 20.0489927 3649.21851 142214.616 493946.937
45.678779 46.1787789 23826.51634455 20.355495 3629.16952 138565.397 469027.276
44.719596 45.2195957 22780.13861462 20.3745261 3608.81402 134936.228 445200.76
43.761432 44.2614319 21778.80118162 20.9969353 3588.4395 131327.414 422420.621
42.805565 43.3055653 20819.96113324 21.7329864 3567.44256 127738.974 400641.82
41.85231 42.3523097 19901.67479655 22.9553075 3545.70957 124171.532 379821.859
40.902817 41.4028169 19021.70956956 23.0933041 3522.75427 120625.822 359920.184
39.954775 40.4547755 18179.49958544 23.1768486 3499.66096 117103.068 340898.475
39.008077 39.5080766 17373.47347244 23.554232 3476.48411 113603.407 322718.975
38.06342 38.5634204 16601.7792344 24.843286 3452.92988 110126.923 305345.502
37.123036 37.6230358 15862.02679477 26.9222846 3428.0866 106673.993 288743.722
36.188996 36.6889963 15152.05072471 28.4748415 3401.16431 103245.906 272881.696
35.260206 35.7602055 14471.09523002 26.6719611 3372.68947 99844.7419 257729.645
34.32825 34.8282498 13821.26605808 28.5586238 3346.01751 96472.0524 243258.55
33.402534 33.902534 13197.53329782 31.8176194 3317.45889 93126.0349 229437.284
32.4869 32.9868997 12597.40084745 31.4581875 3285.64127 89808.576 216239.75
31.571898 32.0718984 12023.47085316 30.7080172 3254.18308 86522.9348 203642.349
30.656387 31.1563873 11475.00571789 36.6742322 3223.47506 83268.7517 191618.879
29.759118 30.2591175 10944.19248349 39.4126354 3186.80083 80045.2766 180143.873
28.871533 29.3715329 10433.49883206 39.3045743 3147.38819 76858.4758 169199.68
27.98564 28.4856399 9944.904834379 39.6396357 3108.08362 73711.0876 158766.182
27.102696 27.6026958 9477.015708238 42.2983178 3068.44398 70603.004 148821.277
26.229698 26.7296978 9026.616235567 44.3760061 3026.14567 67534.56 139344.261
25.365145 25.8651449 8593.53426718 46.0186406 2981.76966 64508.4143 130317.645
24.507887 25.0078872 8177.45912706 47.182475 2935.75102 61526.6447 121724.11
23.656553 24.156553 7778.137263854 49.4623816 2888.56854 58590.8937 113546.651
22.81481 23.3148099 7393.731172316 50.9913434 2839.10616 55702.3251 105768.514
21.980428 22.4804278 7024.349491331 53.4143588 2788.11482 52863.219 98374.7829
21.156491 21.6564912 6668.451183154 55.8192935 2734.70046 50075.1041 91350.4334
20.343187 20.8431872 6325.47370475 58.600247 2678.88117 47340.4037 84681.9823
19.542056 20.042056 5994.48463793 60.1895246 2620.28092 44661.5225 78356.5086
18.749278 19.2492783 5676.159411188 62.9700784 2560.0914 42041.2416 72362.0239
17.969188 18.4691882 5368.76141557 64.9810845 2497.12132 39481.1502 66685.8645
17.199378 17.6993778 5072.589648064 67.846244 2432.14023 36984.0289 61317.1031
16.44318 16.9431802 4786.306529258 68.5376421 2364.29399 34551.8886 56244.5134
15.692972 16.1929722 4511.659993547 69.305609 2295.75635 32187.5947 51458.2069
14.948997 15.4489968 4248.072375233 71.0834471 2226.45074 29891.8383 46946.5469
14.215049 14.7150486 3994.05758179 74.9302167 2155.36729 27665.3876 42698.4745
13.499302 13.9993023 3747.134454851 77.0744377 2080.43707 25510.0203 38704.417
12.795837 13.2958369 3508.700160271 80.6521697 2003.36264 23429.5832 34957.2825
12.110767 12.610767 3276.955639195 83.7368119 1922.71047 21426.2206 31448.5823
11.443035 11.943035 3052.105905059 86.5269126 1838.97365 19503.5101 28171.6267
10.792392 11.2923923 2834.148594636 88.9599341 1752.44674 17664.5364 25119.5208
10.1584 10.6583999 2623.143984238 92.791113 1663.48681 15912.0897 22285.3722
9.5483276 10.0483276 2417.394517852 95.6691178 1570.69569 14248.6029 19662.2282
8.9602454 9.46024543 2217.627071498 98.531976 1475.02658 12677.9072 17244.8337
8.3965328 8.89653276 2023.599192863 96.806788 1376.4946 11202.8806 15027.2066
7.838378 8.33837799 1839.65176972 102.646323 1279.68781 9826.38603 13003.6074
7.3237125 7.82371245 1657.78599269 101.477689 1177.04149 8546.69821 11163.9557
6.8242062 7.32420623 1484.920390271 109.525646 1075.5638 7369.65672 9506.16968
6.3941289 6.89412894 1311.450804265 93.5216661 966.038156 6294.09292 8021.24929
5.9089913 6.40899133 1161.455180126 98.8971592 872.516489 5328.05477 6709.79848
5.4861346 5.98613456 1012.543204513 94.8367294 773.61933 4455.53828 5548.3433
5.0813578 5.58135776 874.1041361785 92.1760531 678.782601 3681.91895 4535.8001
4.7106571 5.21065715 744.2872350677 87.8662705 586.606548 3003.13635 3661.69596
4.3735776 4.87357763 624.3703181245 79.2821822 498.740277 2416.5298 2917.40873
4.0427128 4.54271283 518.2013757784 69.5908098 419.458095 1917.78952 2293.03841
3.7026671 4.20266712 426.2956742392 66.753202 349.867285 1498.33143 1774.83703
3.4270973 3.9270973 341.185242293 60.1289314 283.114083 1148.46414 1348.54136
3.2007289 3.70072888 266.3641234322 50.6545613 222.985152 865.350057 1007.35612
2.9945599 3.49455989 204.2393367523 37.6142771 172.330591 642.364905 740.991993
2.7082275 3.2082275 157.8300643258 30.1566721 134.716314 470.034314 536.752657
2.383883 2.88388299 120.8768822289 25.2827247 104.559641 335.318001 378.922592
2.0506799 2.55067985 90.3889329638 21.4446773 79.2769167 230.758359 258.04571
1.7266964 2.22669641 65.05190926966 17.8318313 57.8322394 151.481443 167.656777
1.419875 1.91987496 44.41879954085 14.1407024 40.0004081 93.6492032 102.604868
1.127712 1.62771203 28.36532587333 10.4533278 25.8597057 53.6487951 58.1860682
0.8340016 1.3340016 16.69052469449 7.07011249 15.4063779 27.7890894 29.8207424
0.4964029 0.99640288 8.901681480659 4.28981931 8.33626541 12.3827115 13.1302177
0.5 4.228536175453 4.0464461 4.0464461 4.0464461 4.22853618
4.0464461 8.0928922 4.22853618
 µx
0.7

0.6

0.5

0.4

0.3

0.2

0.1

0
0 20 40 60 80 100 120

µ80=0,073 Apartir de los 80 la mortalidad comienza a crecer a una tasa de 7,3%

Es la prima que tendra que pagar hoy la persona de

40 años, para que en caso de fallecimiento en el
periodo de cobertura(45.46), los beneficiarios
reciban la cantidad de $50000
Es la prima que tendra que pagar hoy la persona de
40 años, para que en caso de fallecimiento en el
periodo de cobertura(45.46), los beneficiarios
reciban la cantidad de $50000
0 120

tasa de 7,3%
x qx px dx lx
60 0.02071 0.97929 1467 70830
61 0.02276 0.97724 1579 69363.1107
62 0.0249 0.9751 1688 67784.4063
63 0.02712 0.97288 1793 66096.5746
64 0.02943 0.97057 1892 64304.0355
65 0.03189 0.96811 1990 62411.5677
Hallar: Probabilidad Interpretació
5P50 0.98728804567 La probabilidad de que una persona de 50 años lleg
20q30 0.03453433457 La probabilidad de que una persona de 30 años fa
3/5q50 0.01645763036 La probabilidad de que una persona de 50 años llegue con vida a la ed
0
 Interpretación
una persona de 50 años llegue a la edad de 55 años es del 98,72%
e una persona de 30 años fallezca dentro de 2o años es del 3,45%
años llegue con vida a la edad de 53 años y fallezca después de 5 años es del 1,05%