Tabla ilustrativa BOWERS ET AL, i=6%

Tasa de inters
6%
V
0.943396
Edad
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

lx
#########
97,957.83
97,826.26
97,706.55
97,596.74
97,495.03
97,399.78
97,309.50
97,222.86
97,138.66
97,055.88
96,973.63
96,891.16
96,807.88
96,723.36
96,637.30
96,549.54
96,459.92
96,368.27
96,274.36
96,178.01
96,078.95
95,976.93
95,871.68
95,762.86
95,650.15
95,533.17
95,411.51
95,284.73
95,152.33
95,013.79
94,868.53
94,715.89
94,555.20
94,385.70
94,206.55
94,016.86
93,815.64
93,601.83
93,374.25
93,131.64
92,872.62
92,595.70
92,299.23
91,981.47

dx
#########
131.5672
119.7100
109.8124
101.7056
95.2526
90.2799
86.6444
84.1950
82.7816
82.2549
82.4664
83.2842
84.5180
86.0611
87.7559
89.6167
91.6592
93.9005
96.3596
99.0569
102.0149
105.2582
108.8135
112.7102
116.9802
121.6585
126.7830
132.3953
138.5406
145.2682
152.6317
160.6896
169.5052
179.1475
189.6914
201.2179
213.8149
227.5775
242.6085
259.0186
276.9271
296.4623
317.7619
340.9730

1000qx
20.4217
1.3431
1.2237
1.1239
1.0421
0.9770
0.9269
0.8904
0.8660
0.8522
0.8475
0.8504
0.8596
0.8730
0.8898
0.9081
0.9282
0.9502
0.9744
1.0009
1.0299
1.0618
1.0967
1.1350
1.1770
1.2230
1.2735
1.3288
1.3895
1.4560
1.5289
1.6089
1.6965
1.7927
1.8980
2.0136
2.1402
2.2791
2.4313
2.5982
2.7812
2.9818
3.2017
3.4427
3.7070

Dx
100,000.00
92,413.05
87,065.02
82,036.30
77,305.76
72,853.96
68,663.00
64,716.38
60,998.83
57,496.22
54,195.50
51,084.50
48,151.94
45,387.31
42,780.84
40,323.37
38,006.37
35,821.78
33,762.03
31,819.93
29,988.76
28,262.14
26,634.09
25,098.94
23,651.37
22,286.35
20,999.15
19,785.29
18,640.57
17,561.00
16,542.86
15,582.62
14,676.93
13,822.67
13,016.88
12,256.76
11,539.70
10,863.21
10,224.96
9,622.73
9,054.46
8,518.19
8,012.07
7,534.35
7,083.41

Conmutados
Cx
Nx
1,926.58 ##########
117.09 ##########
100.51 ##########
86.98 ##########
76.00 ##########
67.15 ##########
60.04 ##########
54.36 ##########
49.83 ##########
46.22
974,043.15
43.33
916,546.93
40.98
862,351.43
39.05
811,266.93
37.38
763,114.99
35.91
717,727.68
34.54
674,946.85
33.28
634,623.48
32.11
596,617.11
31.04
560,795.33
30.05
527,033.30
29.14
495,213.37
28.31
465,224.61
27.56
436,962.47
26.87
410,328.39
26.26
385,229.44
25.71
361,578.07
25.23
339,291.72
24.80
318,292.57
24.43
298,507.28
24.12
279,866.71
23.86
262,305.71
23.65
245,762.85
23.49
230,180.23
23.38
215,503.30
23.31
201,680.63
23.28
188,663.76
23.30
176,406.99
23.36
164,867.29
23.45
154,004.08
23.59
143,779.12
23.76
134,156.39
23.96
125,101.93
24.20
116,583.74
24.47
108,571.68
24.77
101,037.33

Mx
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########

45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96

91,640.50
91,274.25
90,880.48
90,456.78
90,000.55
89,509.00
88,979.11
88,407.68
87,791.26
87,126.20
86,408.60
85,634.33
84,799.07
83,898.25
82,927.11
81,880.73
80,754.01
79,541.78
78,238.78
76,839.78
75,339.63
73,733.37
72,016.33
70,184.31
68,233.66
66,161.54
63,966.08
61,646.62
59,203.93
56,640.51
53,960.80
51,171.51
48,281.81
45,303.60
42,251.62
39,143.64
36,000.37
32,845.41
29,704.95
26,607.34
23,582.45
20,660.90
17,872.99
15,247.58
12,810.83
10,584.91
8,586.75
6,827.07
5,309.58
4,030.72
2,979.81
2,139.77

366.2529
393.7687
423.6978
456.2274
491.5543
529.8844
571.4316
616.4165
665.0646
717.6041
774.2626
835.2636
900.8215
971.1358
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
840.0452
651.4422

3.9966
4.3141
4.6621
5.0436
5.4617
5.9199
6.4221
6.9724
7.5755
8.2364
8.9605
9.7538
10.6230
11.5752
12.6181
13.7604
15.0114
16.3813
17.8812
19.5231
21.3203
23.2871
25.4391
27.7932
30.3680
33.1833
36.2608
39.6240
43.2982
47.3107
51.6911
56.4708
61.6840
67.3671
73.5589
80.3009
87.6369
95.6134
104.2794
113.6860
123.8867
134.9367
146.8925
159.8121
173.7533
188.7738
204.9299
222.2750
240.8591
260.7260
281.9123
304.4450

6,657.69
6,255.74
5,876.18
5,517.72
5,179.14
4,859.30
4,557.10
4,271.55
4,001.66
3,746.55
3,505.37
3,277.32
3,061.66
2,857.67
2,664.71
2,482.16
2,309.44
2,146.01
1,991.37
1,845.06
1,706.64
1,575.71
1,451.90
1,334.88
1,224.32
1,119.94
1,021.49
928.72
841.44
759.44
682.56
610.64
543.54
481.14
423.33
369.99
321.02
276.31
235.74
199.21
166.57
137.67
112.35
90.42
71.67
55.87
42.76
32.07
23.53
16.85
11.75
7.96

25.10
25.46
25.84
26.25
26.69
27.14
27.61
28.10
28.60
29.11
29.63
30.16
30.68
31.21
31.72
32.22
32.71
33.16
33.59
33.98
34.33
34.62
34.84
35.00
35.08
35.06
34.94
34.72
34.37
33.90
33.28
32.53
31.63
30.58
29.38
28.03
26.54
24.92
23.19
21.37
19.47
17.53
15.57
13.63
11.75
9.95
8.27
6.72
5.35
4.14
3.13
2.29

93,953.92
87,296.23
81,040.49
75,164.31
69,646.60
64,467.45
59,608.16
55,051.05
50,779.51
46,777.85
43,031.29
39,525.92
36,248.59
33,186.93
30,329.26
27,664.55
25,182.39
22,872.95
20,726.94
18,735.57
16,890.50
15,183.86
13,608.15
12,156.25
10,821.37
9,597.05
8,477.11
7,455.62
6,526.90
5,685.46
4,926.02
4,243.46
3,632.83
3,089.29
2,608.14
2,184.81
1,814.82
1,493.80
1,217.49
981.75
782.54
615.97
478.30
365.95
275.52
203.85
147.98
105.23
73.16
49.63
32.78
21.02

#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
#########
979.1683
947.9626
916.2422
884.0199
851.3142
818.1498
784.5572
750.5749
716.2484
681.6317
646.7873
611.7868
576.7113
541.6516
506.7081
471.9913
437.6208
403.7249
370.4399
337.9087
306.2787
275.7001
246.3230
218.2941
191.7533
166.8300
143.6382
122.2728
102.8053
85.2799
69.7102
56.0773
44.3288
34.3794
26.1134
19.3886
14.0421
9.8972
6.7716

97
98
99
100
101
102
103
104
105
106
107
108
109
110

1,488.32
999.65
646.17
400.49
237.05
133.39
71.01
35.58
16.68
7.27
2.92
1.08
0.36
0.11

488.6776
353.4741
245.6772
163.4494
103.6560
62.3746
35.4358
18.9023
9.4105
4.3438
1.8458
0.7163
0.2517
0.0793

328.3418
353.5979
380.2052
408.1235
437.2748
467.6108
499.0255
531.2619
564.1787
597.4966
632.1233
663.2407
699.1667
720.9091

5.22
3.31
2.02
1.18
0.66
0.35
0.18
0.08
0.04
0.02
0.01
0.00
0.00
0.00

1.62
1.10
0.72
0.45
0.27
0.15
0.08
0.04
0.02
0.01
0.00
0.00
0.00
0.00

13.06
7.84
4.53
2.51
1.33
0.67
0.32
0.14
0.06
0.02
0.01
0.00
0.00
0.00

4.4849
2.8667
1.7624
1.0383
0.5839
0.3120
0.1576
0.0749
0.0333
0.0137
0.0052
0.0018
0.0005
0.0001

x
16.80095
17.09819
17.08703
17.07314
17.05670
17.03786
17.01675
16.99351
16.96823
16.94099
16.91187
16.88088
16.84806
16.81340
16.77685
16.73835
16.69782
16.65515
16.61024
16.56299
16.51330
16.46105
16.40614
16.34843
16.28783
16.22419
16.15740
16.08733
16.01385
15.93683
15.85612
15.77160
15.68313
15.59057
15.49378
15.39262
15.28696
15.17666
15.06159
14.94161
14.81661
14.68645
14.55102
14.41022
14.26394

1000Ax
49.0026
32.1782
32.8098
33.5958
34.5265
35.5931
36.7876
38.1032
39.5342
41.0759
42.7246
44.4783
46.3360
48.2981
50.3669
52.5459
54.8404
57.2558
59.7977
62.4720
65.2848
68.2423
71.3508
74.6170
78.0476
81.6495
85.4300
89.3962
93.5555
97.9154
102.4835
107.2676
112.2754
117.5148
122.9935
128.7194
134.7002
140.9436
147.4572
154.2484
161.3242
168.6916
176.3571
184.3271
192.6070

px
0.979578
0.998657
0.998776
0.998876
0.998958
0.999023
0.999073
0.99911
0.999134
0.999148
0.999152
0.99915
0.99914
0.999127
0.99911
0.999092
0.999072
0.99905
0.999026
0.998999
0.99897
0.998938
0.998903
0.998865
0.998823
0.998777
0.998727
0.998671
0.998611
0.998544
0.998471
0.998391
0.998303
0.998207
0.998102
0.997986
0.99786
0.997721
0.997569
0.997402
0.997219
0.997018
0.996798
0.996557
0.996293

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

v^k

kP1

kP36

1
0.943396
0.889996
0.839619
0.792094
0.747258
0.704961
0.665057
0.627412
0.591898
0.558395
0.526788
0.496969
0.468839
0.442301
0.417265
0.393646
0.371364
0.350344
0.330513
0.311805
0.294155
0.277505
0.261797
0.246979
0.232999
0.21981
0.207368
0.19563
0.184557
0.17411
0.164255
0.154957
0.146186
0.137912
0.130105
0.122741
0.115793
0.109239
0.103056
0.097222
0.091719
0.086527
0.08163
0.077009

1
0.9986569
0.997434843
0.996313826
0.995275567
0.994303183
0.993381563
0.992497056
0.991637553
0.99079248
0.989952783
0.989110926
0.988260722
0.987397922
0.98651937
0.985623516
0.984708666
0.983772965
0.982814384
0.9818307
0.98081948
0.979778064
0.978703538
0.977592718
0.976442119
0.97524793
0.974005982
0.972711721
0.971360167
0.969945879
0.968462912
0.966904775
0.965264379
0.96353399
0.961705167
0.959768707
0.95771458
0.955531856
0.953208637
0.950731974
0.948087789
0.945260786
0.942234358
0.938990494
0.93550968

1
0.997859768
0.995585549
0.993164946
0.990584468
0.987829445
0.98488394
0.981730651
0.978350812
0.97472409
0.970828481
0.966640204
0.962133589
0.957280976
0.952052613
0.946416556
0.940338586
0.93378214
0.926708253
0.919075536
0.910840177
0.901955987
0.892374498
0.882045119
0.870915367
0.858931192
0.846037394
0.832178242
0.81729792
0.801341735
0.784256907
0.765993869
0.74650771
0.725759861
0.703720008
0.68036826
0.655697534
0.629716146
0.602450547
0.57394816
0.544280176
0.513544235
0.481866759
0.449404798
0.416347069

(k+1)v^k+1
0.943396
1.779993
2.518858
3.168375
3.736291
4.229763
4.6554
5.019299
5.327086
5.583948
5.794663
5.963632
6.094907
6.192214
6.258976
6.298341
6.313195
6.306188
6.279747
6.236095
6.177263
6.105112

kP36,1
kP36(kP1)
1
0.99652
0.993032
0.989504
0.985905
0.982202
0.978366
0.974365
0.970169
0.965749
0.961074
0.956114
0.950839
0.945217
0.939218
0.93281
0.92596
0.91863
0.910782
0.902377
0.89337
0.883717

14.11209
13.95459
13.79136
13.62235
13.44752
13.26683
13.08027
12.88785
12.68960
12.48556
12.27581
12.06042
11.83953
11.61327
11.38181
11.14535
10.90412
10.65836
10.40837
10.15444
9.89693
9.63619
9.37262
9.10664
8.83870
8.56925
8.29879
8.02781
7.75683
7.48639
7.21702
6.94925
6.68364
6.42071
6.16101
5.90503
5.65330
5.40629
5.16446
4.92824
4.69803
4.47421
4.25710
4.04700
3.84417
3.64881
3.46110
3.28118
3.10914
2.94502
2.78884
2.64058

201.2023
210.1176
219.3569
228.9234
238.8197
249.0474
259.6073
270.4988
281.7205
293.2699
305.1430
317.3346
329.8380
342.6452
355.7466
369.1310
382.7857
396.6964
410.8471
425.2202
439.7965
454.5553
469.4742
484.5296
499.6963
514.9481
530.2573
545.5957
560.9338
576.2418
591.4895
606.6459
621.6807
636.5633
651.2638
665.7528
680.0018
693.9836
707.6721
721.0428
734.0735
746.7425
759.0315
770.9238
782.4051
793.4626
804.0878
814.2716
824.0101
833.2992
842.1375
850.5256

0.996003
0.995686
0.995338
0.994956
0.994538
0.99408
0.993578
0.993028
0.992424
0.991764
0.99104
0.990246
0.989377
0.988425
0.987382
0.98624
0.984989
0.983619
0.982119
0.980477
0.97868
0.976713
0.974561
0.972207
0.969632
0.966817
0.963739
0.960376
0.956702
0.952689
0.948309
0.943529
0.938316
0.932633
0.926441
0.919699
0.912363
0.904387
0.895721
0.886314
0.876113
0.865063
0.853107
0.840188
0.826247
0.811226
0.79507
0.777725
0.759141
0.739274
0.718088
0.695555

45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

0.07265
0.068538
0.064658
0.060998
0.057546
0.054288
0.051215
0.048316
0.045582
0.043001
0.040567
0.038271
0.036105
0.034061
0.032133
0.030314

0.931770796
0.927751019
0.923425711
0.918768325
0.913750306
0.908340995
0.90250755
0.896214877
0.889425582
0.882099939
0.874195899
0.865669132
0.856473119
0.846559304
0.835877316
0.82437528

0.382914042
0.349356648
0.315953459
0.28300602
0.250832187
0.219757404
0.190104073
0.162179204
0.136261009
0.112585204
0.091332072
0.0726154
0.056474813
0.042872341
0.031694406
0.022759362

2.50020
2.36757
2.24263
2.12521
2.01508
1.91215
1.81625
1.72681
1.64337
1.56469
1.49028
1.40511
1.28826
1.00000

858.4731
865.9691
873.0394
879.6789
885.8525
891.6322
897.0049
901.6946
905.5714
907.9404
908.5515
894.7673
855.6376
680.1029

0.671658
0.646402
0.619795
0.591876
0.562725
0.532389
0.500975
0.468738
0.435821
0.402503
0.367877
0.336759
0.300833
0.279091

q36+k:1+k
q36+k
0.00214
0.002279
0.002431
0.002598
0.002781
0.002982
0.003202
0.003443
0.003707
0.003997
0.004314
0.004662
0.005044
0.005462
0.00592
0.006422
0.006972
0.007576
0.008236
0.00896
0.009754
0.010623

q1+k
0.001343
0.001224
0.001124
0.001042
0.000977
0.000927
0.00089
0.000866
0.000852
0.000848
0.00085
0.00086
0.000873
0.00089
0.000908
0.000928
0.00095
0.000974
0.001001
0.00103
0.001062
0.001097

0.002138795
0.002277702
0.00242997
0.002596884
0.002779851
0.002980413
0.00320026
0.003441245
0.003705395
0.003994933
0.004312293
0.004660139
0.005041394
0.005459251
0.005917213
0.006419107
0.006969119
0.007571831
0.008232254
0.008955866
0.009748662
0.010617186

a36,1:22
Seguro creciente Anualidad
v^k*kP36,1
0.002017731
1
0.004040183
0.940112776
0.006078097
0.883794692
0.008141541
0.830806612
0.010239931
0.780928721
0.012382071
0.733958443
0.014576169
0.689709105
0.016829852
0.648008229
0.019150135
0.608696287
0.021543452
0.571625526
0.024015596
0.536658901
0.026571717
0.503669132
0.029216261
0.472537771
0.031952927
0.44315473
0.034784602
0.415417179
0.037713264
0.389229194
0.04073982
0.364500538
0.043864006
0.341146356
0.047084227
0.319086889
0.050397398
0.298247199
0.053798778
0.278556923
0.057281733
0.259950039
0.59241949
12.30979524

Clculo del beneficio:

Suma asegurada=
Seguro dotal puro
(v^22)*22P1
Regreso de primas:
VPA beneficio:
Clculo de la prima:

del beneficio:
500000
135797.6
6865.799
142663.4
11589.42

Beneficio
Dotal puro:
i=
6%
v^22=
0.277505
22P1=
P1*p2*p3*p21