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Old 10-11-2011, 11:25 AM
Implicit Differentiation Implicit Differentiation is offline
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Default Applying Mortality Improvement Table

At, I found mortality improvement table (table 900, US Projection scale A). Assume an issue age of 50, the mortality improvement table looks like this:

Age Mortality Improvement

I am confused how I apply this to my mortality rates. I can think of two methods, and I'm not sure which is correct. Assume an issue age of 50, at attained age 53, what should be my adjustment to mortality rate?

A) (1 - 0.0148)^3 = 95.63%
B) (1 - 0.0152) * (1 - 0.0156) * (1-0.0160) = 95.39%
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Old 10-11-2011, 11:59 AM
echo echo is offline
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Here is a link to a spreadsheet that does a mortality improvement calculation.
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Old 10-11-2011, 01:18 PM
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And if you don't feel like following the link:
Age 50 qx will be 0.984^n in n years
Age 51 qx will be 0.9844^n in n years
and so on.

Thus A) is the correct choice.
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Old 10-11-2011, 02:57 PM
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Originally Posted by echo View Post

Here is a link to a spreadsheet that does a mortality improvement calculation.
That's my spreadsheet, isn't it...[downloading] yes it is.

I didn't use one of the mortality improvement scales, because it was getting too complicated trying to explain results as it was. I used a very simple 1%/year improvement factor.

Just go into spreadsheet options, and turn on the sheet tabs and go to the sheet labeled "Calcs". You'll see the mortality improvement factors in column C (yes, just a constant) - you can put other numbers in that column, and you'll see what happens.

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Old 09-28-2018, 07:02 PM
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ElDucky ElDucky is offline
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Is this accurate for the entire select period, or only at duration 0?

Looking at the vbt 2015 female table, most ages have an improvement of 0.0075.

These are the first 4 durations at age 32 F ANB RR100.

0.08 0.14 0.17 0.19

Let's say the person was 32 in 2015. Is it correct that the 2018 mortality is 0.19 (1-0.0075)^3?

Also, let's say I want mortality for the past, instead of the future, so I want to go back 20 years, based on a 2015 table. Can I just do the reverse calc? 0.08*(1-0.0075)^-20 = 0.093?

Reading more, it seems that from 2009-2015 that's ok, but before that it was to use actual improvements. I cannot find what those actual improvements should be.
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Last edited by ElDucky; 10-02-2018 at 06:36 PM..
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