Annuity Factor Calculator
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Discount Rate ( N.NN% )
Annual COLA ( N.NN% )
Annuity Type
Survivor Benefit Prct (%)
Payment Frequency
Certain Period (years)
Benefit Commencement Age
Primary Annuitant Age
Primary Annuitant Gender
Beneficiary Age
Beneficiary Gender
Valuation Year
Mortality Before BCA *
Mortality After BCA *
Projection Method
Projection Scale
Static Projection Years
Blend Mortality Rates?
Blending Male Percentage
Setback Years, Male
Setback Years, Female
(*) BCA = Benefit Commencement Age

About the Annuity Factor Calculator

The Society of Actuaries (SOA) developed the Annuity Factor Calculator to calculate an annuity factor using user-selected annuity forms, mortality tables and projection scales commonly used for defined benefit pension plans in the United States or Canada. This tool is designed to calculate relatively simple annuity factors for users who are accustomed to making actuarial calculations for defined benefit pension plans in the United States or Canada.

The Annuity Factor Calculator is not intended to replace actuarial valuation software or similar software used in the administration of defined benefit plans or pricing of insured annuities, and should not be used for such purposes.

For more information about technical terms as defined for use with this calculator, please see the Technical Terms.

Contact research@soa.org, with any questions or comments about the Annuity Factor Calculator.

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Mortality Tables

The Annuity Factor Calculator allows users to select any of the mortality tables listed below. For some of the tables, reports and background material are available. In addition, the tables are available in electronic form.

1951_GAM
1951 Group Annuity Mortality (GAM) Table. (pages 262-265 in the 1951 Group Annuity Mortality Table Report). Ages 5-110. Base Year 1951.SOA Table Identity 809 male, 890 female.
1971_GAM
1971 Group Annuity Mortality (GAM) Table. (Table 10 on pages 583-584 in the 1971 Group Annuity Mortality Table Report). Ages 5-110. Base Year 1971. SOA Table Identity 818 male, 817 female.
1983_GAM
1983 Group Annuity Mortality (GAM) Table. (Tables 18-A and 18-B on pages 880-881 in the 1983 Group Annuity Mortality Table Report). Ages 5-110. Base Year 1983. SOA Table Identity 826 male, 825 female.
1983_GAM_Basic
1983 Group Annuity Mortality (GAM) Basic Table. (Tables 17-A and 17-B on pages 876-877 in the 1983 Group Annuity Mortality Table Report). Ages 5-110. Base Year 1983.SOA Table Identity 828 male, 827 female.
UP84_unisex
Unisex Pension (UP) - 1984. (Table 10 on page 37 in the UP-1984 Unisex Mortality Table Report). Ages 15-110. Base Year 1984.SOA Table Identity 831.
RP1992_CombinedHealthy
1992 central-year rates of the RP-2000 Mortality Table - Combined Healthy Participant. Ages 1-120. Base Year 1992. SOA Table Identity 987 male, 991 female.
RP1992_Disabled
1992 central-year rates of the RP-2000 Mortality Table - Disabled Retiree. (Table 3-1 in the RP-2000 Mortality Tables Report). Ages 21-120. Base Year 1992. SOA Table Identity 988 male, 992 female.
RP1992_Employee
1992 central-year rates of the RP-2000 Mortality Table - Employee. (Table 3-1 in the RP-2000 Mortality Tables Report). Ages 1-70. Base Year 1992. SOA Table Identity 985 male, 989 female.
RP1992_HealthyAnnuit
1992 central-year rates of the RP-2000 Mortality Table - Healthy Annuitant. (Table 3-1 in the RP-2000 Mortality Tables Report). Ages 50-120. Base Year 1992.SOA Table Identity 986 male, 990 female.
1994_GAM_Static
1994 Group Annuitant Mortality (GAM) Static (same as 1994 GAR). Includes a 7% mortality improvement from UP 94 at all but the oldest ages (older than 103). (Table 18 on pages 898-899 in the 1994 Group Annuity Mortality Table and 1994 Group Annuity Reserving Table Report ). Basis: Age Nearest Birthday. Ages 1-120.SOA Table Identity 835 male, 834 female.
1994_GAR
1994 Group Annuity Reserving (or GAR-94) Table. Combination of the GAM-94 Static Table and Projection Scale AA. Ages 1-120. Base Year 1994.
UP_94
1994 Uninsured Pensioner (UP-94) Mortality Table (formerly the 1994 GAM Basic Table). It is the same underlying mortality as the GAR-94 Table, but does not include the 7% margin. (Table 3 on pages 824-826 in the 1994 Uninsured Pensioner Mortality Table Report). Basis: Age Nearest Birthday. Ages 1-120. Base Year 1994. SOA Table Identity 833 male, 832 female.
RP2000_BlueCol
RP-2000 Mortality Table - Aggregate - Blue Collar, 1992 Base Year Rates (Table S-1 in the Supplement to the RP-2000 Mortality Tables Report). Ages 1-120. Base Year 2000. SOA Table Identity 1556 male, 1558 female.
RP2000_CombinedHealthy
RP-2000 Mortality Table - Aggregate - Combined Healthy (Table 4-5, 4-6 in the RP-2000 Mortality Tables Report). Ages 1-120. Base Year 2000. SOA Table Identity 987 male, 991 female.
RP2000_Disabled
RP-2000 Mortality Table - Aggregate - Disabled Retiree, (Table 4-5, 4-6 in the RP-2000 Mortality Tables Report). Ages 21-120. Base Year 2000. SOA Table Identity 1596 male, 1599 female.
RP2000_Employee
RP-2000 Mortality Table - Employees (Table 4-5, 4-6 in the RP-2000 Mortality Tables Report). Ages 1-70. Base Year 2000. SOA Table Identity 1594 male, 1597 female.
RP2000_HealthyAnnuit
RP-2000 Mortality Table - Healthy Annuitant (Table 4-5, 4-6 in the RP-2000 Mortality Tables Report). Ages 50-120. Base Year 2000. SOA Table Identity 1595 male, 1598 female.
RP2000_WhiteCol
RP-2000 Mortality Table - White Collar (Table S-2 in the RP-2000 Mortality Tables Report). Ages 1-120. Base Year 2000. SOA Table Identity 1555 male, 1557 female.
RP2006_BlueCol
RP-2014 Blue Collar Table. Projected back to 2006 using MP2014..
RP2006_BlueCol_Employee
Blue Collar - Employee central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-80. Base Year 2006.
RP2006_BlueCol_HealthyAnnuit
Blue Collar - Healthy Annuitantcentral year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 50-120. Base Year 2006.
RP2006_Bot25%
RP-2014 Bottom Quartile Table. Projected back to 2006 using MP2014..
RP2006_Bot25%_Employee
Bottom Quartile - Employee central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-80. Base Year 2006.
RP2006_Bot25%_HealthyAnnuit
Bottom Quartile - Healthy Annuitant central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 50-120. Base Year 2006.
RP2006_Disabled
Total Dataset - Disabled Retiree central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per Q6 of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-120. Base Year 2006.
RP2006_Employee
RP-2014 Total Dataset - Employee, projected back to 2006 using MP-2014 (per Q6 of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-80. Base Year 2006.
RP2006_HealthyAnnuit
RP-2014 Total Dataset - Healthy Annuitant, projected back to 2006 using MP-2014 (per Q6 of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 50-120. Base Year 2006.
RP2006_Top25%
RP-2014 Top Quartile Table. Projected back to 2006 using MP2014..
RP2006_Top25%_Employee
Top Quartile-Employee central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-80. Base Year 2006.
RP2006_Top25%_HealthyAnnuit
Top Quartile - Healthy Annuitant central year 2006 rates used to develop RP-2014. Same as RP-2014 rates projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 50-120. Base Year 2006.
RP2006_Total
RP-2014 Total Data Set Table. Projected back to 2006 using MP2014..
RP2006_WhiteCol
RP-2014 White Collar Table. Projected back to 2006 using MP2014..
RP2006_WhiteCol_Employee
RP-2014 White Collar - Employee, projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 18-80. Base Year 2006.
RP2006_WhiteCol_HealthyAnnuit
RP-2014 White Collar - Healthy Annuitant, projected back to 2006 using MP-2014 (per "Q6" of Section 7 of the Mortality Improvement Scale MP-2016 report). Ages 50-120. Base year 2006.
Pub_2010_ContSurvivor
Exposure Draft Pub-2010 Amount-weighted Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3404 male, 3403 female.
PubH_2010_ContSurvivor
Exposure Draft Pub-2010 Headcount-weighted Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3450 male, 3449 female.
PubH_2010A_ContSurvivor
Exposure Draft Pub-2010 Headcount-weighted Above-Median Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3476 male, 3475 female.
PubH_2010B_ContSurvivor
Exposure Draft Pub-2010 Headcount-weighted Below-Median Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3478 male, 3477 female.
Pub_2010A_ContSurvivor
Exposure Draft Pub-2010 Amount-weighted Above-Median Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3430 male, 3429 female.
Pub_2010B_ContSurvivor
Exposure Draft Pub-2010 Amount-weighted Below-Median Mortality Table - Contingent Survivor. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3432 male, 3431 female.
PubG_2010_Employee
Exposure Draft Pub-2010 Amount-weighted General Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3398 male, 3397 female.
PubG_2010_Retiree
Exposure Draft Pub-2010 Amount-weighted General Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3400 male, 3399 female.
PubG_2010A_Employee
Exposure Draft Pub-2010 Amount-weighted General Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3422 male, 3421 female.
PubG_2010A_Retiree
Exposure Draft Pub-2010 Amount-weighted General Above-Median Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3426 male, 3425 female.
PubG_2010B_Employee
Exposure Draft Pub-2010 Amount-weighted General Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3424 male, 3423 female.
PubG_2010B_Retiree
Exposure Draft Pub-2010 Amount-weighted General Below-Median Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3428 male, 3427 female.
PubGH_2010_Employee
Exposure Draft Pub-2010 Headcount-weighted General Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3444 male, 3443 female.
PubGH_2010_Retiree
Exposure Draft Pub-2010 Headcount-weighted General Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3446 male, 3445 female.
PubGH_2010A_Employee
Exposure Draft Pub-2010 Headcount-weighted General Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3468 male, 3467 female.
PubGH_2010A_Retiree
Exposure Draft Pub-2010 Headcount-weighted General Above-Median Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3472 male, 3471 female.
PubGH_2010B_Employee
Exposure Draft Pub-2010 Headcount-weighted General Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3470 male, 3469 female.
PubGH_2010B_Retiree
Exposure Draft Pub-2010 Headcount-weighted General Below-Median Mortality Table - Retiree. Ages 50-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3474 male, 3473 female.
PubNS_2010_Disabled
Exposure Draft Pub-2010 Amount-weighted Non-Safety Mortality Table - Disabled Retiree. Ages 18-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3402 male, 3401 female.
PubNSH_2010_Disabled
Exposure Draft Pub-2010 Headcount-weighted Non-Safety Mortality Table - Disabled Retiree. Ages 18-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3448 male, 3447 female.
PubS_2010_Disabled
Exposure Draft Pub-2010 Amount-weighted Safety Mortality Table - Disabled Retiree. Ages 18-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3396 male, 3395 female.
PubS_2010_Employee
Exposure Draft Pub-2010 Amount-weighted Safety Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3392 male, 3391 female.
PubS_2010_Retiree
Exposure Draft Pub-2010 Amount-weighted Safety Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3394 male, 3393 female.
PubS_2010A_Employee
Exposure Draft Pub-2010 Amount-weighted Safety Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3414 male, 3413 female.
PubS_2010A_Retiree
Exposure Draft Pub-2010 Amount-weighted Safety Above-Median Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3418 male, 3417 female.
PubS_2010B_Employee
Exposure Draft Pub-2010 Amount-weighted Safety Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3416 male, 3415 female.
PubS_2010B_Retiree
Exposure Draft Pub-2010 Amount-weighted Safety Below-Median Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3420 male, 3419 female.
PubSH_2010_Disabled
Exposure Draft Pub-2010 Headcount-weighted Safety Mortality Table - Disabled Retiree. Ages 18-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3442 male, 3441 female.
PubSH_2010_Employee
Exposure Draft Pub-2010 Headcount-weighted Safety Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3438 male, 3437 female.
PubSH_2010_Retiree
Exposure Draft Pub-2010 Headcount-weighted Safety Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3440 male, 3439 female.
PubSH_2010A_Employee
Exposure Draft Pub-2010 Headcount-weighted Safety Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3460 male, 3459 female.
PubSH_2010A_Retiree
Exposure Draft Pub-2010 Headcount-weighted Safety Above-Median Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3464 male, 3463 female.
PubSH_2010B_Employee
Exposure Draft Pub-2010 Headcount-weighted Safety Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3462 male, 3461 female.
PubSH_2010B_Retiree
Exposure Draft Pub-2010 Headcount-weighted Safety Below-Median Mortality Table - Retiree. Ages 45-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3466 male, 3465 female.
PubT_2010_Employee
Exposure Draft Pub-2010 Amount-weighted Teachers Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3388 male, 3387 female.
PubT_2010_Retiree
Exposure Draft Pub-2010 Amount-weighted Teachers Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3390 male, 3389 female.
PubT_2010A_Employee
Exposure Draft Pub-2010 Amount-weighted Teachers Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3406 male, 3405 female.
PubT_2010A_Retiree
Exposure Draft Pub-2010 Amount-weighted Teachers Above-Median Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3410 male, 3409 female.
PubT_2010B_Employee
Exposure Draft Pub-2010 Amount-weighted Teachers Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3408 male, 3407 female.
PubT_2010B_Retiree
Exposure Draft Pub-2010 Amount-weighted Teachers Below-Median Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3412 male, 3411 female.
PubTH_2010_Employee
Exposure Draft Pub-2010 Headcount-weighted Teachers Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3434 male, 3433 female.
PubTH_2010_Retiree
Exposure Draft Pub-2010 Headcount-weighted Teachers Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3436 male, 3435 female.
PubTH_2010A_Employee
Exposure Draft Pub-2010 Headcount-weighted Teachers Above-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3452 male, 3451 female.
PubTH_2010A_Retiree
Exposure Draft Pub-2010 Headcount-weighted Teachers Above-Median Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3456 male, 3455 female.
PubTH_2010B_Employee
Exposure Draft Pub-2010 Headcount-weighted Teachers Below-Median Mortality Table - Employee. Ages 18-80. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3454 male, 3453 female.
PubTH_2010B_Retiree
Exposure Draft Pub-2010 Headcount-weighted Teachers Below-Median Mortality Table - Retiree. Ages 55-120. Base Year July 1, 2010 - June 30, 2011. SOA Table Identity 3458 male, 3457 female.
2012_IAM_Basic
2012 Individual Annuity Mortality Basic Table. (Exhibit I on pages 25-26 in the 2012 Individual Annuity Reserving Table Report). Basis: Age Nearest Birthday. Ages 0-120. Base Year 2012. SOA Table Identity 2581 male, 2582 female.
2012_IAM_Period
2012 Individual Annuity Mortality Period Table. (Exhibit II on pages 28-29 in the 2012 Individual Annuity Reserving Table Report). Basis: Age Nearest Birthday. Ages 0-120. Base Year 2012. SOA Table Identity 2585 male, 2586 female.
RP2014_BlueCol
RP-2014 Blue Collar Table. Base Year 2014.
RP2014_BlueCol_Employee
RP-2014 Blue Collar - Employee (Appendix A on pages 57-59 in the RP-2014 Mortality Tables Report). Ages 18-80. Amount-weighted. Base Year 2014. SOA Table Identity 3125 male, 3126 female.
RP2014_BlueCol_HealthyAnnuit
RP-2014 Blue Collar - Healthy Annuitant (Appendix A on pages 57-59 in the RP-2014 Mortality Tables Report). Ages 50-120. Amount-weighted. Base Year 2014. SOA Table Identity 3125 male, 3126 female.
RP2014_Bot25%
RP-2014 Bottom Quartile Table. Base Year 2014.
RP2014_Bot25%_Employee
RP-2014 Bottom Quartile - Employee (Appendix A on pages 63-65 in the RP-2014 Mortality Tables Report). Ages 18-80. Amount-weighted. Base Year 2014. SOA Table Identity 3129 male, 3130 female.
RP2014_Bot25%_HealthyAnnuit
RP-2014 Bottom Quartile - Healthy Annuitant (Appendix A on pages 63-65 in the RP-2014 Mortality Tables Report). Ages 50-120. Amount-weighted. Base Year 2014. SOA Table Identity 3129 male, 3130 female.
RP2014_Disabled
RP-2014 Total Dataset - Disabled Retiree (Appendix A on pages 54-56 in the RP-2014 Mortality Tables Report). Ages 18-120. Amount-weighted. Base Year 2014. SOA Table Identity 3123 male, 3124 female.
RP2014_Employee
RP-2014 Total Dataset - Employee (Appendix A on pages 54-56 in the RP-2014 Mortality Tables Report). Ages 18-80. Amount-weighted. Base Year 2014. SOA Table Identity 3123 male, 3124 female.
RP2014_HealthyAnnuit
RP-2014 Total Dataset - Healthy Annuitant (Appendix A on pages 54-56 in the RP-2014 Mortality Tables Report). Ages 50-120. Amount-weighted. Base Year 2014. SOA Table Identity 3123 male, 3124 female.
RP2014_Top25%
RP-2014 Top Quartile Table. Base Year 2014.
RP2014_Top25%_Employee
RP-2014 Top Quartile - Employee (Appendix A on pages 66-68 in the RP-2014 Mortality Tables Report). Ages 18-80. Amount-weighted. Base Year 2014. SOA Table Identity 3131 male, 3132 female.
RP2014_Top25%_HealthyAnnuit
RP-2014 Top Quartile - Healthy Annuitant (Appendix A on pages 66-68 in the RP-2014 Mortality Tables Report). Ages 50-120. Amount-weighted. Base Year 2014. SOA Table Identity 3131 male, 3132 female.
RP2014_Total
RP-2014 Total Data Set Table. Base Year 2014.
RP2014_WhiteCol
RP-2014 White Collar Table. Base Year 2014.
RP2014_WhiteCol_Employee
RP-2014 White Collar - Employee (Appendix A on pages 60-62 in the RP-2014 Mortality Tables Report). Ages 18-80. Amount-weighted. Base Year 2014. SOA Table Identity 3127 male, 3128 female.
RP2014_WhiteCol_HealthyAnnuit
RP-2014 White Collar - Healthy Annuitant (Appendix A on pages 60-62 in the RP-2014 Mortality Tables Report). Ages 50-120. Amount-weighted. Base Year 2014. SOA Table Identity 3127 male, 3128 female.
RPH2014_BlueCol_Employee
RPH-2014 Blue Collar - Employee Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 18-80. Base Year 2014. SOA Table Identity 3143 male, 3144 female.
RPH2014_BlueCol_HealthyAnnuit
RPH-2014 Blue Collar - Healthy Annuitant Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 50-120. Base Year 2014. SOA Table Identity 3143 male, 3144 female.
RPH2014_Bot25%_Employee
RPH-2014 Bottom Quartile - Employee Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 18-80. Base Year 2014. SOA Table Identity 3147 male, 3148 female.
RPH2014_Bot25%_HealthyAnnuit
RPH-2014 Bottom Quartile - Healthy Annuitant Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 50-120. Base Year 2014. SOA Table Identity 3147 male, 3148 female.
RPH2014_Disabled
RPH-2014 Total Dataset - Disabled Retiree Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 18-120. Base Year 2014. SOA Table Identity 3141 male, 3142 female.
RPH2014_Employee
RPH-2014 Total Dataset - Employee Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Base Year 2014. Base Year 2014. SOA Table Identity 3141 male, 3142 female.
RPH2014_HealthyAnnuit
RPH-2014 Total Dataset - Healthy Annuitant Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 50-120. Base Year 2014. SOA Table Identity 3141 male, 3142 female.
RPH2014_Top25%_Employee
RPH-2014 Top Quartile - Employee Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 18-80. Base Year 2014. SOA Table Identity 3149 male, 3150 female.
RPH2014_Top25%_HealthyAnnuit
RPH-2014 Top Quartile - Healthy Annuitant Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 50-120. Base Year 2014. SOA Table Identity 3149 male, 3150 female.
RPH2014_WhiteCol_Employee
RPH-2014 White Collar - Employee Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 18-80. Base Year 2014. SOA Table Identity 3145 male, 3146 female.
RPH2014_WhiteCol_HealthyAnnuit
RPH-2014 White Collar - Healthy Annuitant Headcount-weighted (not RP-2014, which is amount-weighted). (Supplemental RPH-2014 Mortality Rates). Ages 50-120. Base Year 2014. SOA Table Identity 3145 male, 3146 female.
CPM2014
Canadian Pensioners' Mortality Table, based on data from both public and private sector plans for 1999-2008, projected forward to 2014 using the CPM Improvement Scale B. (Memorandum: CPM 2014 Mortality Tables). Ages 18-115. Base Year 2014. MORT # 2790 (Male) 2791 (Female).
CPM2014_Public
Canadian Pensioners' Mortality Table, based on data indicated as public for 1999-2008, projected forward to 2014 using the CPM Improvement Scale B. (Memorandum: CPM 2014 Mortality Tables). Ages 18-115. Base Year 2014. MORT # 2792 (Male) 2793 (Female).
CPM2014_Private
Canadian Pensioners' Mortality Table, based on data indicated as private for 1999-2008, projected forward to 2014 using the CPM Improvement Scale B. (Memorandum: CPM 2014 Mortality Tables). Ages 18-115. Base Year 2014. MORT # 2794 (Male) 2795 (Female).
None
Mortality rates are set to zero below the benefit commencement age.
Projection Scales

The Annuity Factor Calculator allows users to select any of the mortality projection scales listed below. For some of the projection scales, reports and background material are available. In addition, the projection scales are available in electronic form.

G2
Mortality Improvement Projection Scale G2. (Tables 13 and 14 on pages 13-14 in the 2012 Individual Annuity Reserving Table Report). Basis: Age Nearest Birthday. MORT # 2583 (Male) 2584 (Female).
BB_1D
Interim One-Dimensional Mortality Improvement Scale BB. (Appendix A on pages 28-30 in the Mortality Improvement Scale BB Report). MORT # 1511 (Male) 1512 (Female).
BB_2D
Two-Dimensional Mortality Improvement Rates Underlying Projection Scale BB. (Mortality Improvement Scale BB Report). MORT # 1608 (Male) 1609 (Female).
AA
1994 Mortality Improvement Projection Scale AA. (Table 7-3 in the RP-2000 Mortality Tables Report). MORT # 924 (Male) 923 (Female).
MP2014
Scale MP-2014. (Appendix A on pages 30-37 in the Mortality Improvement Scale MP-2014 Report). MORT # 3135 (Male) 3136 (Female).
MP2015
Scale MP-2015. (Mortality Improvement Scale MP-2015 Report). MORT # 3373 (Male) 3374 (Female).
MP2016
Scale MP-2016. (Mortality Improvement Scale MP-2016 Report). MORT # 3386 (Male) 3385 (Female).
MP2017
Scale MP-2017. (Mortality Improvement Scale MP-2017 Report).
MP2018
Scale MP-2018. (Mortality Improvement Scale MP-2018 Report).
CPM2014_B
CPM Improvement Scale B for use with the CPM2014 tables. (Memorandum: CPM 2014 Mortality Tables). MORT # 2798 (Male) 2799 (Female).
CPM2014_B1
CPM Improvement Scale B1-2014 for use with the CPM-RPP14 tables before 2016. (Memorandum: CPM 2014 Mortality Tables). MORT # 2796 (Male) 2797 (Female).
MI2017
Canadian Mortality Improvement Scale MI-2017. (Task Force Report on Mortality Improvement).
Questions or Comments
If you have questions or comments, please email research@soa.org.
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Technical Terms

The definitions and descriptions below apply to the Society of Actuaries Annuity Factor Calculator (AFC). These terms may have different definitions or applications in other contexts, including other materials or products prepared by the Society of Actuaries or other actuarial organizations.

Age
In whole years to the nearest birthday.
Annuity factor
Annuity factors computed by the AFC are for use with annualized benefit amounts.
BCA
Benefit commencement age.
BOM
Monthly payments occur at the beginning of each month, before the mortality decrement is applied.
BOY
Annual payments occur at the beginning of each year, before the mortality decrement is applied.
Certain and life annuity
Annual or monthly benefits paid beginning immediately and continuing for as long as the primary annuitant lives, but for at least as long as the specified certain period. For a deferred annuity, the certain period begins when benefits begin. If the annuitant dies during the certain period, payments continue to a beneficiary or estate until the end of the certain period.
COLA (Cost of Living Adjustment)
The annual rate at which benefits are increased after benefit commencement. No increases are assumed to occur prior to benefit commencement.
Deferred annuity
Annual or monthly benefits paid beginning at a specified future benefit commencement age provided that the annuitant lives to that age. For joint and survivor annuities, survivorship contingency is included during deferral.
Duration
The approximate percentage change in annuity factor per 100 basis point change in discount rate. Duration of 8.2 means that for discount rate decrease of 100 basis points, the annuity factor will increase by approximately 8.2%. There are a variety of types of duration; AFC calculates effective duration.
EOM
Monthly payments occur at the end of each month, after the mortality decrement is applied.
EOY
Annual payments occur at the end of each year, after the mortality decrement is applied.
Generational mortality projection
Mortality rates are projected from the table's base year as noted in the AFC's Mortality Tables descriptions.
Joint and survivor annuity
Annual or monthly benefits paid beginning immediately to a primary annuitant for as long as the primary annuitant lives. Upon the primary annuitant’s death, if the beneficiary is living, a specified percentage of the primary annuitant’s benefit continues to the beneficiary for as long as he or she lives.
Joint life annuity
Annual or monthly benefits paid for as long as both the primary annuitant and beneficiary live; benefits cease upon the first death of the primary annuitant or beneficiary.
Monthly exact
Mortality decrements are applied assuming a uniform distribution of deaths throughout the year.
Monthly approx 11/24 BOM
The Woolhouse approximation formula to determine the present value of an annuity with monthly payments from an annuity factor for annual payments: äx(12) = äx – 11/24 * prob(x survives to BCA) * interest discount from BCA to x
MORT #
SOA table identity number in Mortality and Other Rate Tables.
Mortality projection
Mortality improvement is assumed for whole numbers of years. For descriptions of the specific mortality projection (improvement) scales available in the AFC see Projection Scales.
Mortality table
For the descriptions of the specific mortality tables available in the AFC see Mortality Tables.
Single life annuity
Annual or monthly benefits paid beginning immediately and continuing for as long as the annuitant lives; payments cease when the annuitant dies.
Static mortality projection
Mortality rates are projected from the table's base year to the valuation year plus the number of static projection years. Each table’s base year is noted in AFC’s Mortality Tables descriptions.
Uniform distribution of deaths
AFC assumes uniform distribution of deaths during a year.