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1. Probabilidades de Vida
dx
Dlx
1 px
n px
= lx lx+1
= lx qx
lx+h lx
= lim
h
h0
lx+1
=
lx
lx+n
=
lx
2. Pobabilidades de Muerte
1 qx
1 qx
n qx
1 px
lx lx+1
=
lx
dx
=
lx
= 1 n px
lx lx+n
=
lx
=
Diferidas
n|m qx
Lx
lx+n lx+n+m
lx
(lx + t)dt
0
x+1
ltdt
0
Lx
Mx
=
=
=
1
(lx + lx+1 )
2
dx
Lx
lx lx+1
Lx
dx
1
2 (lx + lx+1 )
4. Esperanza de Vida
Tx
(lx+t )dt
0
Lx+t
t=0
lx+t
dt
lx
e0x
eox
Tx
=
l
x
=
t px dt
2
5. Esperanza de Vida Abreviada
ex
X
lx+t
lx
t=1
t px
t=1
n/eox
n
t px dt
=
0
n/ex
n+1
X
t px
t=1
1
qx
t
qx(t)
lx lx+ 1t
lx
1
= t qx
t
lx + lx+ 1t
= t
lx
7. Fuerza de Mortalidad
lim qx(t)
lx lx+ 1t
lim t
lx
t
l
x lx+ 1t
1
lim
1
lx t
t
lx+ 1t lx
1
lim
1
lx 1t 0
t
t
=
x
1 dlx
lx dx
d ln lx
dx
lx
= l0 e
x
0
ydy
lx lx+n
x+t lx+t dt
0
x+t t px dt
n qx
1
[ln lx1 ln lx+1 ]
2
dx1 + dx
2lx
8 (lx1 lx+1 ) (lx2 lx+2 )
12lx
1
[ln px1 + ln px ]
2
3
10. Mtodos para Edades Fraccionarios
(1 t)lx + t lx+1
lx lx+t
=
lx
lx+t
=
lx
= 1 t qx
lx+t
t qx
t px
1
wx
wx
= ln
w
wx
= l0
w
y dy
0
lx
(b) Gompertz (1825)
= BC x
B x
[C 1]
=
ln
y dy
0
= l0 g C
lx
x1
= A + BC x
B
= Ax + [C x 1]
ln
y dy
0
= l0 hx g C
lx
x1
kxn
n+1
x
= k
n+1
y dy
0
lx
n+1
l0 j x
(e) Pareto
lx
b
bx
a
Dx
n Ex
lx+n
lx
= v x lx
= vn
= v n n px
= e
= A
n
0
x+t +dt
x:n|
Nx
X
t=0
Dx+t
4
13. Anualidades
(a) Vencidas
i. Vitalicia
ax
t Ex
t=1
X
Dx+t
t=1
Nx+1
Dx
=
ii. Temporal a
aos
ax:n|
n
X
Dx+t
Dx
t=1
Nx+1 Nx+n+1
Dx
=
iii. Diferida
aos
n| ax
ax ax:n|
Nx+n+1
Dx
=
=
iv. Diferida
Dx
aos y temporal
m
n+m
n|m ax
X Dx+t
Dx
t=n+1
Nx+n+1 Nx+n+m+1
Dx
a
x
(b) Anticipadas
i. Vitalicia
X
Dx+t
t=0
Dx
Nx
Dx
=
ii. Temporal
a
x:n|
n1
X
Dx+t
t=0
Nx Nx+n
Dx
=
iii. Diferida
aos
x
n| a
=
=
iv. Diferida
Dx
aos y temporal
a
x a
x:n|
Nx+n
Dx
m
m+n1
x
n|m a
X Dx+t
Dx
t=0
Nx+n Nx+n+m
Dx
5
14. Serie de Woolhouse
X
1X
m1
m2 1 0 m4 1 00
f
f +
ft/m =
ft
f0 +
m
2m
12m2 0
720m4 0
t=0
t=0
veces al ao
a(m)
x
1X
t/m Ex
m
t=1
Dx+t/m
1X
m
Dx
t=1
P
( Dx+t + m1
2m Dx )
t=1
Dx
m1
; ax +
2m
Veces al Ao
(m)
n| ax
Dx+n+t/m
1X
m
Dx
t=1
n| ax
;
iii. Temporal
m1
n Ex
2m
Veces al Ao
(m)
ax:n|
a(m)
n| a(m)
x
x
ax:n| +
m1
(1 n Ex )
2m
(b) Anticipadas
i.
veces al ao
a
(m)
x
Dx+t/m
1X
m
Dx
t=0
;
ii. Diferida Pagadera
=
;
m1
2m
Veces al Ao
(m)
n| a
x
iii. Temporal
a
x
Dx+n+t/m
1X
m
Dx
t=0
m1
x
n Ex
n| a
2m
Veces al Ao
(m)
a
x:n|
a
(m)
n| a
(m)
x
x
a
x:n|
m1
(1 n Ex )
2m
16. .
t
= vt
ln v
6
17. Anualidades Continuas
(a) Vencida
i. Vitalicia
a
x
lim a(m)
x
lim ax +
m
; ax +
m1
2m
1
2
ii. Temporal
a
x:n|
m1
lim ax:n| +
(1 n Ex )
2m
m
1 n Ex
; ax:n| +
2
Veces al Ao
x
n| a
lim
n| ax
n| ax
m1
n Ex
2m
n Ex
(b) Anticipada
i. Vitalicia
a
x
lim a
x +
m
= a
x
m1
2m
1
2
ii. Temporal
a
x:n|
lim a
x:n| n| a(m)
x
m1
(1 n Ex )
lim ax:n| +
2m
1 n Ex
; a
x:n|
2
Veces al Ao
x
n| a
x
n| a
lim
x
n| a
m1
n Ex
2m
n Ex
ax
v t t Px dt
=
0
t Ex dt
0
i.
ii.
iii.
x =
D
Dx+t dt
0
x =
N
Dx+t dt
0
a
x =
x
N
Dx
7
(b) Temporal
ax:n|
v t t Px dt
=
0
x N
x+n
N
Dx
=
(c) Diferida
Aos
n| ax
v t t Px dt
=
n
x+n
N
Dx
=
(d) Diferida
y Temporal
n|m ax
n+m
Dx+t
dt
Dx
n
x+n N
x+n+m
N
=
=
Dx
(Ia)x
X
tv t t Px
t=1
t| ax
t=0
Sx+1
Dx
= (I
a)x a
x
X
=
Nx+t
=
Sx
t=0
(b) Temporal
(Ia)x:n|
n1
X
t|nt ax
t=0
(c) Anticipada
(I
a)x
x
t| a
t=0
Sx
Dx
I n| a x
n1
X
t|| ax
t=0
n1
X
Nx+t+1 Nx+n+1
t=0
Dx
Sx+1 Sx+n+1
Dx
8
21. Anualidad Decreciente
(a) Temporal
(Da)x:n|
n
X
ax:t|
t=1
n
X
Nx+1 Nx+t+1
Dx
t=1
(b) Anticipada
(D
a)x:n|
n
X
a
x:t|
t=1