Ejemplos calculos previsionales
42
PER2000C 1975 GR80 EDAD Qx Qy LX LY Qx Qy 0 0.006487 0.009876 100,000.00 100,000.00 0.00000000 0.00000000 1 0.000638 0.000778 99,351.30 99,012.45 0.00081435 0.00059343 2 0.000339 0.000555 99,287.91 98,935.39 0.00079937 0.00056576 3 0.000300 0.000359 99,254.26 98,880.52 0.00078597 0.00054101 4 0.000254 0.000334 99,224.48 98,845.00 0.00077415 0.00051918 5 0.000247 0.000265 99,199.28 98,812.03 0.00076390 0.00050025 6 0.000223 0.000231 99,174.77 98,785.86 0.00075523 0.00048424 7 0.000216 0.000201 99,152.66 98,763.05 0.00074814 0.00047113 8 0.000200 0.000164 99,131.24 98,743.17 0.00074262 0.00046094 9 0.000193 0.000146 99,111.41 98,726.99 0.00073868 0.00045367 10 0.000185 0.000151 99,092.29 98,712.57 0.00073631 0.00044930 11 0.000201 0.000157 99,073.95 98,697.64 0.00073552 0.00044785 12 0.000208 0.000177 99,054.04 98,682.17 0.00073631 0.00044930 13 0.000247 0.000187 99,033.44 98,664.68 0.00073867 0.00045367 14 0.000301 0.000190 99,008.98 98,646.26 0.00074261 0.00046096 15 0.000410 0.000200 98,979.17 98,627.54 0.00074812 0.00047115 16 0.000572 0.000226 98,938.59 98,607.78 0.00075521 0.00048426 17 0.000743 0.000256 98,882.00 98,585.52 0.00076388 0.00050027 18 0.000875 0.000271 98,808.53 98,560.32 0.00077412 0.00051920 19 0.000985 0.000283 98,722.07 98,533.65 0.00078594 0.00054105 20 0.001102 0.000277 98,624.83 98,505.72 0.00079934 0.00056580 21 0.001143 0.000282 98,516.15 98,478.44 0.00081431 0.00059347 22 0.001222 0.000262 98,403.54 98,450.68 0.00083086 0.00062404 23 0.001287 0.000268 98,283.29 98,424.85 0.00084898 0.00065753 24 0.001336 0.000273 98,156.80 98,398.46 0.00086869 0.00069394 25 0.001322 0.000272 98,025.67 98,371.57 0.00088996 0.00073325 26 0.001348 0.000287 97,896.08 98,344.81 0.00091282 0.00077548 27 0.001398 0.000308 97,764.11 98,316.58 0.00093724 0.00082061 28 0.001448 0.000311 97,627.44 98,286.30 0.00096325 0.00086866 29 0.001466 0.000329 97,486.07 98,255.76 0.00099083 0.00091963 30 0.001429 0.000321 97,343.16 98,223.39 0.00102020 0.00097350 31 0.001379 0.000317 97,204.06 98,191.89 0.00105579 0.00103029 32 0.001394 0.000295 97,070.04 98,160.75 0.00110323 0.00108998 33 0.001384 0.000277 96,934.69 98,131.82 0.00116336 0.00115259 34 0.001357 0.000293 96,800.50 98,104.62 0.00123703 0.00121812 35 0.001313 0.000336 96,669.11 98,075.84 0.00132508 0.00128655 36 0.001261 0.000340 96,542.22 98,042.90 0.00142835 0.00135790 37 0.001228 0.000336 96,420.48 98,009.54 0.00154769 0.00143215 38 0.001294 0.000344 96,302.04 97,976.64 0.00168395 0.00150932 39 0.001385 0.000339 96,177.41 97,942.98 0.00183797 0.00158941 40 0.001452 0.000390 96,044.20 97,909.76 0.00201060 0.00167240 41 0.001543 0.000370 95,904.74 97,871.63 0.00220268 0.00175831 42 0.001630 0.000423 95,756.79 97,835.41 0.00241505 0.00184712 43 0.001690 0.000443 95,600.70 97,794.03 0.00264856 0.00193924 44 0.001785 0.000465 95,439.14 97,750.73 0.00290405 0.00201814 45 0.001911 0.000516 95,268.82 97,705.28 0.00318237 0.00207287 46 0.002079 0.000515 95,086.77 97,654.91 0.00348437 0.00210998 47 0.002161 0.000552 94,889.07 97,604.65 0.00381089 0.00213599
description
Archivo Excel que contiene metodología para estimaciones de cálculos técnicos y actuariales para determinar cuantía de pensión y necesidad de revisión de sistemas pensionales en las américas
Transcript of Ejemplos calculos previsionales
TABLAPER2000C1975GR80GR95EDADQxQyLXLYQxQyLXLYQxQyLXLYPosicinMax 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S.Vida EnteraSEGURO DE VIDA ENTERA (Cap. Al fallecimiento)Edad actual45Capital anual10,000,000Diferimiento5Edad al inicio de la cobertura50Probabilidad0.9890642292Tabla de MortalidadPER2000C114Factor de actualiz.0.821927Tipo de inters4%Prima nica2,360,082SexoVCrecimiento0%EdadLxAos transcurridos (s)sPxqx+s=1-Px+sVAF capital= (1+i)^(-s)sPx*qx+s*(1+i)^(-s)suma2,903,148.745094,227010.002887793310,198,03929,4505193,95510.99711220670.00318752739,805,80731,1665293,65520.99393388440.00343673459,428,66032,2075393,33430.99051799750.00406007039,066,02036,4605492,95540.98649642480.0042613618,717,32736,6465592,55850.98229260740.00452343618,382,04537,2445692,14060.97784926960.00478060738,059,65837,6775791,69970.97317455630.0051404097,749,67238,7685891,22880.9681720410.00535810237,451,60738,6565990,73990.96298447620.00544152227,165,00737,5456090,245100.95774437480.00582677016,889,43038,4476189,720110.95216381850.0063063736,624,45239,7786289,154120.94615911830.00672316166,369,66540,5196388,554130.93979793760.00716840386,124,67841,2616487,920140.93306108650.00785700055,889,11343,1736587,229150.92573002510.00864016715,662,60945,2926686,475160.91773156290.00920754795,444,81646,0096785,679170.90928150560.00997547495,235,40047,4886884,824180.90021099080.01084553365,034,03949,1496983,904190.89044772220.01165194554,840,42250,2227082,927200.88007227390.01240674754,654,25250,8197181,898210.86915343940.01343376014,475,24252,2537280,798220.85747744060.01479639754,303,11854,5967379,602230.84478986350.01623250464,137,61356,7397478,310240.83107680810.01808171233,978,47459,7867576,894250.81604951640.02005779633,825,45662,6167675,352260.79968136140.02208416893,678,32364,9607773,687270.78202106310.02428550463,536,84967,1717871,898280.7630292870.02677667543,400,81669,4837969,973290.74259789950.02971839873,270,01672,1658067,893300.7205290790.03276836093,144,24674,2378165,669310.69691852210.03648506023,023,31376,8748263,273320.67149140790.04045499172,907,03278,9708360,713330.64432622860.04420789532,795,22379,6208458,029340.61584192210.04690163162,687,71477,6328555,307350.58695793120.05096209972,584,34177,3048652,489360.55704532260.05569509412,484,94377,0958749,565370.52602063090.05954184212,389,36874,8368846,614380.49470039350.06431738372,297,47073,1018943,616390.46288255850.06997012282,209,10571,5489040,564400.43049460910.0759968142,124,14069,4949137,481410.39777839030.08216178922,042,44266,7519234,402420.36509620610.09537843781,963,88768,3879331,121430.33027390030.11021399581,888,35368,7389427,691440.2938730940.12759774461,815,72468,0859524,157450.25637555010.1465385241,745,88865,5919620,617460.21880665530.16862730491,678,73961,9409717,141470.18190987880.19443342441,614,17257,0929813,808480.14654051810.22463606531,552,08851,0929910,706490.11362223270.26059391061,492,39244,1891007,916500.08401297080.3029128871,434,99336,5191015,518510.05856435920.361191,379,80129,1871023,525520.03741149830.3864051,326,73119,1791032,163530.02295550830.413381,275,70312,1061041,269540.01346616030.4422391,226,6387,305105708550.0075108990.4731121,179,4594,191106373560.00395740260.5061411,134,0962,272107184570.00195439890.5414751,090,4771,15410884580.00089614070.5792761,048,53554410936590.00037702790.6197161,008,20723611014600.00014337770.662979969,430921115610.00004832130.709262932,144321121620.00001404880.758776896,292101130630.00000338891861,81931140.06401828,67300.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.00
S.Vida TemporalSEGURO DE VIDA ENTERA (Cap. Al fallecimiento)Edad actual45Capital anual10,000,000Diferimiento5Edad al inicio de la cobertura50Probabilidad0.9890642292Tabla de MortalidadPER2000C114Factor de actualiz.0.82Tipo de inters4%Prima nica689,351SexoVDuracin20.00Crecimiento0.00%EdadLxAos transcurridos (s)sPxqx+s=1-Px+sVAF cap= (1+i)^(-s)sPx*qx+s*(1+i)^(-s)847,974.51455094,227010.002887793310,198,03929,4505193,95510.99711220670.00318752739,805,80731,1665293,65520.99393388440.00343673459,428,66032,2075393,33430.99051799750.00406007039,066,02036,4605492,95540.98649642480.0042613618,717,32736,6465592,55850.98229260740.00452343618,382,04537,2445692,14060.97784926960.00478060738,059,65837,6775791,69970.97317455630.0051404097,749,67238,7685891,22880.9681720410.00535810237,451,60738,6565990,73990.96298447620.00544152227,165,00737,5456090,245100.95774437480.00582677016,889,43038,4476189,720110.95216381850.0063063736,624,45239,7786289,154120.94615911830.00672316166,369,66540,5196388,554130.93979793760.00716840386,124,67841,2616487,920140.93306108650.00785700055,889,11343,1736587,229150.92573002510.00864016715,662,60945,2926686,475160.91773156290.00920754795,444,81646,0096785,679170.90928150560.00997547495,235,40047,4886884,824180.90021099080.01084553365,034,03949,1496983,904190.89044772220.01165194554,840,42250,2227082,927200.88007227390.01240674754,654,25250,8197181,898210.869153439404,475,24200.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.000.00.00000.00
S. Supervivencia (vitalicio)SEGURO DE SUPERVIVENCIA (Vitalicio)Edad actual65Capital anual2,000,000Diferimiento5Edad al inicio de la cobertura70Probabilidad0.9882009219Tabla de MortalidadPER2000C114Factor de actualiz.0.82Tipo de inters4%Prima nica22,714,283SexoMSi el valor actual fuera 2000000 ptas, la renta sera de176,100.65Crecimiento0.00%EdadLxAos transcurridos (s)sPx(1+i)^(-s)sPx*(1+i)^(-s)21.911366342520.720039703813.98268221847094,46710.9969709920.961538460.958625957194,18120.9935982920.924556210.918637477293,86230.9899121990.888996360.880028347393,51440.9857699200.854804190.842640267493,12350.9809353220.821927110.806257337592,66660.9752671790.790314530.770767827692,13170.9685825600.759917810.736043147791,49980.9606716670.730690210.701953387890,75290.9514026770.702586740.668442907989,876100.9404709800.675564170.635348508088,843110.9273670380.649580930.602399948187,606120.9119565350.624597050.569605368286,150130.8943350440.600574090.537114458384,485140.8738327620.577475080.504616658482,548150.8497375190.555264500.471829088580,272160.8219885520.533908180.438866418677,651170.7907209360.513373250.405934978774,697180.7552577620.493628120.372816478871,347190.7157863540.474642420.339742578967,618200.6745375460.456386950.307850139063,722210.6287409140.438833600.275912649159,395220.5784802160.421955390.244092849254,647230.5241400380.405726330.212657429349,514240.4664172910.390121470.181959409444,061250.4057459450.375116800.152202129538,330260.3435530030.360689230.123915879632,454270.2816355100.346816570.097675869726,605280.2220710600.333477470.074055709820,978290.1670534180.320651410.053565919915,781300.1185462840.308318670.0365500310011,199310.0815401650.296460260.024173421017,703320.0536135550.285057940.015282971025,065330.0339933530.274094170.009317381033,211340.0207374070.263552090.005465391041,959350.0121422700.253415470.003077041051,147360.0068057180.243668720.00165834106643370.0036407670.234296850.00085302107344380.0018527350.225285430.00041739108175390.0008918180.216620610.0001931910984400.0004033480.208289040.0000840111038410.0001700390.200277930.0000340611116420.0000661690.192574930.000012741126430.0000234830.185168200.000004351132440.0000000000.178046350.000000001140.0450.0000000000.171198410.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.0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0 para prepagable1 para pospagable
S. Supervivencia (temporal)SEGURO DE SUPERVIVENCIA (Vitalicio)Edad actual65Capital anual2,000,000Diferimiento5Edad al inicio de la cobertura70Probabilidad0.9882009219Tabla de MortalidadPER2000C114Factor de actualiz.0.82Tipo de inters4%Prima nica22,655,153SexoMSi el valor actual fuera 2000000 ptas, la renta sera de176,560.27Duracin30Crecimiento0%EdadLxAos transcurridos (s)sPx(1+i)^(-s)sPx*(1+i)^(-s)21.777025680617.873551498413.94628234297094,46710.9969709920.961538460.958625957194,18120.9935982920.924556210.918637477293,86230.9899121990.888996360.880028347393,51440.9857699200.854804190.842640267493,12350.9809353220.821927110.806257337592,66660.9752671790.790314530.770767827692,13170.9685825600.759917810.736043147791,49980.9606716670.730690210.701953387890,75290.9514026770.702586740.668442907989,876100.9404709800.675564170.635348508088,843110.9273670380.649580930.602399948187,606120.9119565350.624597050.569605368286,150130.8943350440.600574090.537114458384,485140.8738327620.577475080.504616658482,548150.8497375190.555264500.471829088580,272160.8219885520.533908180.438866418677,651170.7907209360.513373250.405934978774,697180.7552577620.493628120.372816478871,347190.7157863540.474642420.339742578967,618200.6745375460.456386950.307850139063,722210.6287409140.438833600.275912649159,395220.5784802160.421955390.244092849254,647230.5241400380.405726330.212657429349,514240.4664172910.390121470.181959409444,061250.4057459450.375116800.152202129538,330260.3435530030.360689230.123915879632,454270.2816355100.346816570.097675869726,605280.2220710600.333477470.074055709820,978290.1670534180.320651410.053565919915,781300.1185462840.308318670.0365500310011,199310.0815401650.296460260.024173421017,703320.0000000000.285057940.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.0000000000.000000000.000000000.00.000.00000000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0 para prepagable1 para pospagable
S.MixtoCAPITAL PAGADERO AL FALLECIMIENTORENTA PAGADERA A LA JUBILACINCapital anual2,000,000Edad actual45Capital anual10,000,000Edad actual45Diferimiento20Edad al inicio de la cobertura45Diferimiento0Edad al inicio de la cobertura65Probabilidad0.915606Tabla de MortalidadPER2000C114Probabilidad1.000000Tabla de MortalidadPER2000CFactor de actualiz.0.46Tipo de inters4%Factor de actualiz.1.00Tipo de inters4%Valor actual11,550,312.97SexoVValor actual2,368,086Crecimiento0.0%S.MIXTO13,918,398.98Crecimiento0.00%EdadLxAos transcurridos (s)sPxqx+s=1-Px+s(1+i)^(-s)sPx*qx+s*(1+i)^(-s)EdadLxAos transcurridos (s)sPx(1+i)^(-s)sPx*(1+i)^(-s)suma0.2368086018suma13.82043450274595,269110.00191091760.98058067570.00187380886587,22910.9913598330.96153846150.95323060854695,08720.99808908240.00207914860.94286603430.00195661256686,47520.9822318400.9245562130.90812855014794,88930.99601390690.00216118310.90660195610.00195152286785,67930.9724336110.88899635870.8644899394894,68440.99386133850.00224296840.87173265010.0019432666884,82440.9618870490.8548041910.8222250814994,47250.99163213890.00258957890.83820447120.00215243346983,90450.9506791940.82192710680.78138899935094,22760.98906422920.00288779330.80596583770.00230201027082,92760.9388843570.79031452570.74201394545193,95570.98620801620.00318752730.77496715160.00243615967181,89870.9262716100.75991781320.70389029625293,65580.98306445130.00343673450.74516072270.0025175497280,79880.9125661270.7306902050.66680313035393,33490.97968591980.00406007030.71650069490.00284994867379,60290.8977528930.70258673560.63074927445492,955100.97570832610.0042613610.68894297590.00286451847478,310100.8815199830.67556416880.59552331495592,558110.97155048070.00452343610.66244516910.00291127867576,894110.8638386350.64958093160.56113310545692,140120.96715573420.00478060730.63696650880.00294507317675,352120.8447614770.62459704960.5276355265791,699130.96253214250.0051404090.61246779690.00303037367773,687130.8242460180.60057408610.49502079915891,228140.95758433350.00535810230.58891134320.00302160687871,898140.8021754500.57747508280.46323633455990,739150.95245349870.00544152220.56626090690.00293481527969,973150.7783360800.55526450270.43218239656090,245160.94727070190.00582677010.54448164130.0030052828067,893160.7528312830.53390817570.40194277676189,720170.94175117330.0063063730.52354003970.00310932228165,669170.7253641880.51337324590.37238256766289,154180.93581213910.00672316160.50340388430.00316722418263,273180.6960195860.4936281210.34357484036388,554190.92952052280.00716840380.48404219640.00322525958360,713190.6652500250.4746424240.31575588446487,920200.92285734430.00785700050.46542518890.00337474718458,029200.6340487130.45638694620.2893715566587,229210.91560645370.00864016710.44752422010.00354036098555,307210.6017362590.43883360210.26406209036686,475220.90769546090.00920754790.43031175010.00359639478652,489220.5682225020.42195538670.23976454556785,679230.89933781160.00997547490.41376129820.00371198578749,565230.5343894870.40572633330.21681588736884,824240.89036648980.01084553360.39784740210.00384181338846,614240.5000189540.39012147430.19506813146983,904250.88070999010.01165194550.38254557890.00392567698943,616250.4650325660.37511680230.17444152917082,927260.87044800530.01240674750.36783228740.00397237859040,564260.4296915730.36068923290.15498512377181,898270.85964857670.01343376010.35368489170.00408446389137,481270.3943873440.34681657010.1367800667280,798280.84810026390.01479639750.34008162670.00426762619234,402280.3567712950.33347747130.11897518947379,602290.83555143520.01623250460.32700156410.00443515259331,121290.3174501050.32065141470.10179082547478,310300.82198834270.01808171230.31442458090.00467327899427,691300.2769441880.3083186680.08538706317576,894310.8071253860.02005779630.30233132780.00489448929524,157310.2363611950.29646025770.07007170097675,352320.79093622940.02208416890.29070319980.0050777629620,617320.1965042440.28505794010.0560150957773,687330.77346906010.02428550460.27952230750.00525057129717,141330.1582972510.27409417310.04338835417871,898340.75468497370.02677667540.26877144950.00543132129813,808340.1227379790.26355208960.03234785097969,973350.73447701910.02971839870.25843408610.00564096519910,706350.0907532090.25341547070.02299826738067,893360.71264953820.03276836090.24849431350.0058029281007,916360.0632628930.24366872190.01541518828165,669370.6892971810.03648506020.23893683990.00600903431015,518370.0404129680.23429684790.00946863118263,273380.66414813180.04045499170.22974696150.0061728661023,525380.0247971950.22528543070.00558644688360,713390.63728002460.04420789530.22091053990.00622367041032,163390.0145465310.21662060640.00315107838458,029400.6091072160.04690163160.21241398060.00606826861041,269400.0081134880.20828904470.00168995068555,307410.58053909380.05096209970.20424421220.0060426653105708410.0042748990.20027792760.0008561688652,489420.55095360260.05569509410.19638866550.0060262673106373420.0021111970.19257493030.00040656378749,565430.52026818980.05954184210.18883525530.0058496869107184430.0009680370.18516820230.00017924968846,614440.48929046340.06431738370.18157236090.005714060910884440.0004072760.17804634830.00007251418943,616450.4578205810.06997012280.17458880850.005592736410936450.0001548810.17119841180.00002651539040,564460.42578681870.0759968140.16787385440.005432136311014460.0000521980.16461385750.00000859259137,481470.39342837710.08216178920.16141716770.00521777431115470.0000151760.15828255530.00000240219234,402480.36110359770.09537843780.15520881510.00534562391121480.0000036610.15219476470.00000055729331,121490.32666210060.11021399580.14923924520.00537302111130490.000000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0 para prepagable1 para pospagable
Prov mat (Seguro superv)PROVISIONES MATEMTICAS (Seguro supervivencia)Edad actual25Prestacin anual2,000,000Diferimiento0VAA Prestaciones49,295,286.79Edad al inicio de la cobertura25Probabilidad1.000000000Prima anual5,609,749.94Tabla de MortalidadGR95126F, act. Financ1.000000000Tipo de inters5%F, act. Actuarial1.000000000SexoMCrecimientoPrimas2.00%Prestaciones4.00%PERIODO PAGO PRIMAS10PERIODO PERCEPCIN PRESTACIONES30CLCULO DE LA PROVISIN MATEMTICALxAos transc(s)sPx(1+i)^(-s)sPx*(1+i)^(-s)EdadLxAos trans(s)sPx(1+i)^(-s)sPx*(1+i)^(-s)EdadLxAos trans(s)sPx(1+i)^(-s)sPx*(1+i)^(-s)PrimaPrestacinPrimas actualizadasPrestaciones actualizadasPrimas act. acumuladasPrest. act. acumuladasProv. Mat. act. RetrospectivaPrimas acumuladasPrest acumuladasProv. Mat. RETROSPROSPECTIVAPrimas act. futurasPrest. act. futurasProv.. Mat. act. ProspectivaPrimas futurasPrest futurasProv. Mat. PROSPECTIVAProv. anterior capitalizadaDif. Prima y Prest. AoProv. Mat. RECURRENTE8.787430332724.64764339482599,65401112599,65410.99954590.95238095240.95194847622599,65401115,609,749.940.005,609,749.940.005,609,749.940.005,609,749.945,609,749.940.005,609,749.9443,685,536.8549,295,286.795,609,749.9443,685,536.8549,295,286.795,609,749.94-0.000.005,609,749.945,609,749.942699,60910.99954590.97142857140.97098744572699,60920.99906221970.94331065760.94242603952699,60910.99954590.95238095240.95194847625,721,944.942,000,000.005,446,996.771,903,896.9511,056,746.711,903,896.959,152,849.7511,614,858.352,000,000.009,614,858.3538,238,540.0847,391,389.849,152,849.7540,168,707.7049,783,566.059,614,858.35-0.005,892,913.413,721,944.949,614,858.352799,56020.99906221970.94367346940.9427885112799,56030.9985484020.93432674660.93297047982799,56020.99906221970.90702947850.90617888415,836,383.842,080,000.005,288,807.791,884,852.0816,345,554.503,788,749.0312,556,805.4718,037,889.414,181,016.6813,856,872.7332,949,732.2945,506,537.7612,556,805.4736,361,178.6450,218,051.3813,856,872.73-0.0010,100,488.893,756,383.8413,856,872.732899,50930.9985484020.91671137030.91538067392899,50940.9980035940.92542839660.92358086582899,50930.9985484020.86383759850.86258365365,953,111.522,163,200.005,135,056.681,865,940.9621,480,611.185,654,689.9915,825,921.1924,902,641.146,555,526.4918,347,114.6527,814,675.6143,640,596.8015,825,921.1932,245,771.7550,592,886.4018,347,114.65-0.0014,557,203.143,789,911.5218,347,114.652999,45540.9980035940.89051961680.88874177812999,45550.99742644860.91661479280.91425583752999,45540.9980035940.82270247480.82106002676,072,173.752,249,728.004,985,619.141,847,161.7326,466,230.327,501,851.7218,964,378.6032,234,220.969,136,788.3923,097,432.5622,829,056.4741,793,435.0718,964,378.6027,804,369.6350,901,802.1923,097,432.56-0.0019,274,986.823,822,445.7523,097,432.563099,39750.99742644860.86507619920.86284988113099,39760.99681562460.90788512810.90499408113099,39750.99742644860.78352616650.78150972166,193,617.222,339,717.124,840,372.071,828,511.6831,306,602.399,330,363.4021,976,238.9940,059,133.6611,938,896.1428,120,237.5217,988,684.4039,964,923.3921,976,238.9923,017,863.8951,138,101.4128,120,237.52-0.0024,266,337.423,853,900.1028,120,237.523199,33760.99681562460.84035973640.83768371553199,33770.99616918970.89923860310.89579379063199,33760.99681562460.74621539660.74383916676,317,489.562,433,305.804,699,196.171,809,988.1636,005,798.5611,140,351.5624,865,447.0048,405,354.5114,976,828.4033,428,526.1113,289,488.2338,154,935.2324,865,447.0017,866,077.5451,294,603.6433,428,526.11-0.0029,544,342.353,884,183.7633,428,526.113299,27270.99616918970.81634945820.81322217823299,27280.99548512030.89067442590.8866531383299,27270.99616918970.71068133010.70795884476,443,839.362,530,638.044,561,973.071,791,587.5840,567,771.6312,931,939.1427,635,832.4957,302,443.4018,266,512.5839,035,930.828,727,515.1636,363,347.6527,635,832.4912,327,715.4151,363,646.2339,035,930.82-0.0035,122,729.503,913,201.3239,035,930.823399,20480.99548512030.7930251880.78944477463399,20490.99476100440.88219181240.87757001333399,20480.99548512030.6768393620.67378351376,572,716.142,631,863.564,428,587.781,773,306.2844,996,359.4114,705,245.4230,291,113.9966,781,627.1721,824,881.6144,956,745.564,298,927.3834,590,041.3730,291,113.996,380,279.8651,337,025.4244,956,745.56-0.0041,015,892.983,940,852.5844,956,745.563499,13290.99476100440.77036732540.76633137443499,132100.99399414310.87378998560.8685421283499,13290.99476100440.64460891620.64123181296,704,170.472,737,138.104,298,927.381,755,140.0349,295,286.7916,460,385.4432,834,901.3576,875,921.9325,669,945.1151,205,976.810.0032,834,901.3532,834,901.350.0051,205,976.8151,205,976.81-0.0047,238,944.453,967,032.3751,205,976.813599,05500003599,055110.99318165230.86546817620.85956711333599,055100.99399414310.61391325350.61022617840.002,846,623.620.001,737,084.2649,295,286.7918,197,469.7031,097,817.0980,781,992.8629,820,860.4350,961,132.430.0031,097,817.0931,097,817.090.0050,961,132.4350,961,132.43-0.0053,807,756.05-2,846,623.6250,961,132.430.00.000003698,974120.99232046450.85722562210.85064252753698,974110.99318165230.58467928910.58069274240.002,960,488.570.001,719,134.2349,295,286.7919,916,603.9329,378,682.8684,890,481.9934,298,007.3150,592,474.670.0029,378,682.8629,378,682.860.0050,592,474.6750,592,474.67-0.0053,552,963.24-2,960,488.5750,592,474.670.00.000003798,889130.99140832360.84906156860.84176670633798,889120.99232046450.55683741820.55256116550.003,078,908.110.001,701,285.0649,295,286.7921,617,888.9827,677,397.8189,212,362.1239,123,069.6850,089,292.440.0027,677,397.8127,677,397.810.0050,089,292.4450,089,292.44-0.0053,168,200.55-3,078,908.1150,089,292.440.00.000003898,798140.99044368330.84097526790.83293864193898,798130.99140832360.53032135060.52576500120.003,202,064.440.001,683,533.4149,295,286.7923,301,422.3925,993,864.4093,759,163.6544,319,082.3749,440,081.290.0025,993,864.4025,993,864.400.0049,440,081.2949,440,081.29-0.0052,642,145.72-3,202,064.4449,440,081.290.00.000003998,702150.98942580430.83296597970.8241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Prov mat (Seguro superv)
Provisin matemtica
