edad primas k

kV(2556:29) kVe
k(CV)
56
1
0 $
$
$
$
57
2
1 $ 17,152.87 -$ 15,015.97 $
2,136.90 $
58
3
2 $ 34,498.75 -$ 20,694.78 $ 13,803.98 $
59
4
3 $ 51,445.69 -$ 21,143.78 $ 30,301.91 $
60
5
4 $ 67,843.22 -$ 21,643.69 $ 46,199.52 $
61
6
5 $ 82,472.80 -$ 22,227.71 $ 60,245.08 $
62
7
6 $ 96,968.67 -$ 21,476.54 $ 75,492.13 $
63
8
7 $ 111,115.17 -$ 20,711.66 $ 90,403.51 $
64
9
8 $ 126,036.73 -$ 19,905.82 $ 106,130.91 $
65
10
9 $ 141,475.67 -$ 19,063.37 $ 122,412.31 $
66
11 10 $ 157,160.90 -$ 18,188.32 $ 138,972.58 $
67
12 11 $ 172,810.06 -$ 17,284.19 $ 155,525.87 $
68
13 12 $ 188,126.31 -$ 16,353.91 $ 171,772.39 $
69
14 13 $ 203,167.46 -$ 15,392.68 $ 187,774.78 $
70
15 14 $ 217,680.03 -$ 14,400.99 $ 203,279.04 $
71
16 15 $ 231,458.70 -$ 13,377.29 $ 218,081.42 $
72
17 16 $ 244,341.40 -$ 12,318.09 $ 232,023.31 $
73
18 17 $ 256,206.99 -$ 11,218.00 $ 244,988.99 $
74
19 18 $ 265,772.88 -$ 10,085.81 $ 255,687.07 $
75
20 19 $ 273,011.54 -$ 8,908.97 $ 264,102.58 $
76
21 20 $ 277,999.96 -$ 7,672.26 $ 270,327.70 $
77
22 21 $ 280,930.25 -$ 6,358.38 $ 274,571.87 $
78
23 22 $ 282,121.91 -$ 4,948.66 $ 277,173.25 $
79
24 23 $ 278,585.66 -$ 3,440.16 $ 275,145.50 $
80
25 24 $ 270,510.57 -$ 1,801.38 $ 268,709.19 $
81
25 $ 258,128.06 $
0.00 $ 258,128.06 $
82
26 $ 222,260.32 $
0.00 $ 222,260.32 $
83
27 $ 180,649.15 $
0.00 $ 180,649.15 $
84
28 $ 131,137.27 $
0.00 $ 131,137.27 $
85
29 $ 72,139.76 $
0.00 $ 72,139.76 $
86
30 $
$
$
$

MN
kV

1,840.46
19,268.88
36,309.60
52,814.05
67,573.14
82,211.28
96,515.47
111,602.80
127,218.39
143,094.45
158,952.43
174,499.95
189,796.49
204,593.54
218,691.01
231,932.27
244,201.93
254,238.98
262,023.92
267,641.14
271,289.00
273,291.38
270,723.22
263,788.33
252,732.44
217,614.44
176,873.06
128,396.12
70,631.83
0.00

56+k:30-k
0.2535064
0.26350572
0.27351863
0.28308480
0.29207421
0.29953232
0.30669282
0.31337003
0.32042235
0.32763450
0.33477465
0.34159478
0.34782661
0.35348108
0.3583095
0.36209146
0.36463079
0.36575373
0.36426353
0.36000997
0.35292161
0.34302150
0.33044693
0.31217974
0.28810152
0.25812806
0.22226032
0.18064915
0.13113727
0.07213976
0

Saldado
kWx:n
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

8,109.48
50,468.14
107,041.81
158,177.35
201,130.49
246,148.99
288,488.05
331,221.95
373,624.59
415,122.77
455,293.46
493,844.89
531,215.92
567,328.08
602,282.68
636,323.97
669,819.53
701,928.83
733,597.96
765,970.95
800,450.92
838,782.94
881,368.87
932,689.25
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

Prorrogado
Aos
-

Prestamo Automatico

das
1
3
4
6
7
8
8
9
9
9
9
9
9
9
9
8
8
8
7
7
6
6
6
5

Aos
54
26
224
31
86
72
317
114
195
228
231
215
171
99
6
266
151
26
265
128
343
187
16
199

das
0
2
3
4
5
6
7
8
8
8
9
9
9
9
8
8
8
7
6
5
4
3
2
1

234
50
174
258
304
276
184
36
199
306
9
48
65
44
360
285
0
0
0
0
0
0
0
0

Bajo el sistema Mexicano Nuevo:

Si Pn+Pg-(GE)1<=qxV => alpha(mn)=qxV
Si Pn+Pg-(GE)1>qxV => alpha(mn)=Pn+Pg(GE)1
(equivalentemente)

(GE)1-Pg<(PAH)1 => alpha(mn)=Pn+Pg-(GE)1

donde (PAH)1=Pn-qxV
b
i

PN
PG
Ge1

qxv

$ 1,000,000.00
0.043
0.042101176
$
17,223.25
$
1,765.85
16,086.16
0.00114046

Pg+Pn-Ge1
$
2,902.94 >
POR LO TANTO
=
MN
MN
=

qxv*b
$ 1,140.46

$ 2,902.94
$ 18,291.04 OTRO
18,339.47

$ 18,291.04

MN
kV

k
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

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,840.46
19,268.88
36,309.60
52,814.05
67,573.14
82,211.28
96,515.47
111,602.80
127,218.39
143,094.45
158,952.43
174,499.95
189,796.49
204,593.54
218,691.01
231,932.27
244,201.93
254,238.98
262,023.92
267,641.14
271,289.00
273,291.38
270,723.22
263,788.33
252,732.44
217,614.44
176,873.06
128,396.12
70,631.83
0.00

q[x]+k
p[x]+k
0.99881050
0.0011895
0.99823778
0.0017622
0.99702664
0.0029734
0.99563506
0.0043649
0.99293300
0.0070670
0.99199700
0.0080030
0.99080400
0.0091960
0.99083700
0.0091630
0.99053500
0.0094650
0.98988000
0.0101200
0.98885600
0.0111440
0.0125560
0.98744400
0.98607200
0.0139280
0.98435800
0.0156420
0.98236600
0.0176340
0.98015800
0.0198420
0.97779700
0.0222030
0.97379700
0.0262030
0.96988400
0.0301160
0.96623600
0.0337640
0.96303300
0.0369670
0.96045100
0.0395490
0.95420500
0.0457950
0.94885500
0.0511450
0.94449600
0.0555040
0.94122400
0.0587760
0.93913600
0.0608640
0.93565600
0.0643440
0.93190500
0.0680950
0.92633100
0.0736690
0.91738500
0.0826150

i
v

0.043
0.958772771
0.042101176
$ 1,000,000.00
kPx

Edad
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

k
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

q[x]+k
0.0011895
0.0017622
0.0029734
0.0043649
0.0070670
0.0080030
0.0091960
0.0091630
0.0094650
0.0101200
0.0111440
0.0125560
0.0139280
0.0156420
0.0176340
0.0198420
0.0222030
0.0262030
0.0301160
0.0337640
0.0369670
0.0395490
0.0457950
0.0511450
0.0555040
0.0587760
0.0608640
0.0643440
0.0680950
0.0736690
0.0826150

p[x]+k

0.998811
0.998238
0.997027
0.995635
0.992933
0.991997
0.990804
0.990837
0.990535
0.989880
0.988856
0.987444
0.986072
0.984358
0.982366
0.980158
0.977797
0.973797
0.969884
0.966236
0.963033
0.960451
0.954205
0.948855
0.944496
0.941224
0.939136
0.935656
0.931905
0.926331
0.917385

56

1.00000
0.99881
0.99705
0.99409
0.98975
0.98275
0.97489
0.96592
0.95707
0.94801
0.93842
0.92796
0.91631
0.90355
0.88941
0.87373
0.85639
0.83738
0.81544
0.79088
0.76418
0.73593
0.70682
0.67445
0.63996
0.60444
0.56891
0.53429
0.49991
0.46587
0.43155

57

1.00000
0.99824
0.99527
0.99093
0.98392
0.97605
0.96707
0.95821
0.94914
0.93954
0.92907
0.91740
0.90462
0.89047
0.87477
0.85741
0.83838
0.81641
0.79182
0.76509
0.73680
0.70766
0.67526
0.64072
0.60516
0.56959
0.53492
0.50050
0.46642
0.43206

58

1.00000
0.99703
0.99267
0.98566
0.97777
0.96878
0.95990
0.95082
0.94119
0.93071
0.91902
0.90622
0.89205
0.87631
0.85893
0.83986
0.81785
0.79322
0.76644
0.73810
0.70891
0.67645
0.64185
0.60623
0.57059
0.53587
0.50139
0.46724
0.43282

59

1.00000
0.99564
0.98860
0.98069
0.97167
0.96277
0.95365
0.94400
0.93348
0.92176
0.90892
0.89471
0.87893
0.86149
0.84236
0.82029
0.79558
0.76872
0.74031
0.71103
0.67847
0.64377
0.60803
0.57230
0.53746
0.50288
0.46864
0.43411

60

1.00000
0.99293
0.98499
0.97593
0.96699
0.95783
0.94814
0.93757
0.92580
0.91291
0.89863
0.88278
0.86527
0.84605
0.82388
0.79907
0.77209
0.74355
0.71414
0.68144
0.64659
0.61070
0.57480
0.53982
0.50509
0.47069
0.43602

61

1.00000
0.99200
0.98287
0.97387
0.96465
0.95489
0.94425
0.93239
0.91940
0.90502
0.88906
0.87142
0.85208
0.82975
0.80476
0.77759
0.74884
0.71923
0.68629
0.65119
0.61505
0.57890
0.54366
0.50868
0.47404
0.43912

62

1.00000
0.99080
0.98173
0.97243
0.96259
0.95187
0.93991
0.92682
0.91232
0.89624
0.87845
0.85895
0.83644
0.81125
0.78386
0.75488
0.72503
0.69183
0.65644
0.62001
0.58357
0.54805
0.51278
0.47787
0.44266

63

1.00000
0.99084
0.98146
0.97153
0.96070
0.94864
0.93542
0.92079
0.90456
0.88661
0.86692
0.84421
0.81878
0.79114
0.76189
0.73176
0.69825
0.66254
0.62576
0.58898
0.55313
0.51754
0.48230
0.44677

64

1.00000
0.99054
0.98051
0.96958
0.95741
0.94408
0.92931
0.91292
0.89481
0.87494
0.85201
0.82635
0.79845
0.76894
0.73853
0.70470
0.66866
0.63155
0.59443
0.55825
0.52233
0.48676
0.45090

65

1.00000
0.98988
0.97885
0.96656
0.95310
0.93819
0.92164
0.90336
0.88330
0.86015
0.83425
0.80608
0.77628
0.74558
0.71144
0.67505
0.63758
0.60011
0.56358
0.52732
0.49141
0.45521

66

1.00000
0.98886
0.97644
0.96284
0.94778
0.93107
0.91259
0.89233
0.86895
0.84278
0.81432
0.78422
0.75320
0.71871
0.68195
0.64410
0.60624
0.56935
0.53271
0.49644
0.45986

67

1.00000
0.98744
0.97369
0.95846
0.94156
0.92288
0.90239
0.87874
0.85228
0.82350
0.79306
0.76169
0.72681
0.68964
0.65136
0.61308
0.57576
0.53872
0.50203
0.46505

68

1.00000
0.98607
0.97065
0.95353
0.93461
0.91386
0.88991
0.86311
0.83397
0.80314
0.77138
0.73605
0.69841
0.65964
0.62087
0.58308
0.54557
0.50842
0.47096

69

1.00000
0.98436
0.96700
0.94781
0.92677
0.90248
0.87531
0.84575
0.81449
0.78227
0.74645
0.70827
0.66896
0.62964
0.59132
0.55327
0.51560
0.47761

70

1.00000
0.98237
0.96287
0.94150
0.91683
0.88921
0.85919
0.82743
0.79470
0.75831
0.71953
0.67959
0.63965
0.60072
0.56206
0.52379
0.48520

71

1.00000
0.98016
0.95840
0.93328
0.90518
0.87461
0.84228
0.80897
0.77192
0.73244
0.69179
0.65113
0.61150
0.57215
0.53319
0.49391

72

1.00000
0.97780
0.95218
0.92350
0.89232
0.85933
0.82535
0.78755
0.74727
0.70579
0.66431
0.62388
0.58374
0.54399
0.50391

73

1.00000
0.97380
0.94447
0.91258
0.87885
0.84409
0.80543
0.76424
0.72182
0.67940
0.63804
0.59699
0.55634
0.51535

74

1.00000
0.96988
0.93714
0.90249
0.86680
0.82711
0.78480
0.74124
0.69768
0.65521
0.61305
0.57131
0.52922

75

1.00000
0.96624
0.93052
0.89372
0.85279
0.80917
0.76426
0.71934
0.67556
0.63209
0.58905
0.54565

76

1.00000
0.96303
0.92495
0.88259
0.83745
0.79097
0.74448
0.69916
0.65418
0.60963
0.56472

77

1.00000
0.96045
0.91647
0.86959
0.82133
0.77305
0.72600
0.67929
0.63303
0.58640

78

1.00000
0.95421
0.90540
0.85515
0.80489
0.75590
0.70726
0.65910
0.61054

79

1.00000
0.94886
0.89619
0.84352
0.79218
0.74120
0.69073
0.63985

80

1.00000
0.94450
0.88898
0.83488
0.78116
0.72796
0.67433

81

1.00000
0.94122
0.88394
0.82706
0.77074
0.71396

82

1.00000
0.93914
0.87871
0.81887
0.75855

83

1.00000
0.93566
0.87194
0.80771

84

1.00000
0.93191
0.86325

85

1.00000
0.92633

86

1.00000

Edad

k
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

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

qx+k
0.00119
0.00176
0.00297
0.00436
0.00707
0.00800
0.00920
0.00916
0.00947
0.01012
0.01114
0.01256
0.01393
0.01564
0.01763
0.01984
0.02220
0.02620
0.03012
0.03376
0.03697
0.03955
0.04580
0.05115
0.05550
0.05878
0.06086
0.06434
0.06810
0.07367
0.08262

v^(k+1)
0.95877
0.91925
0.88135
0.84501
0.81017
0.77677
0.74475
0.71404
0.68461
0.65638
0.62932
0.60338
0.57850
0.55465
0.53178
0.50986
0.48884
0.46869
0.44936
0.43084
0.41308
0.39605
0.37972
0.36406
0.34905
0.33466
0.32087
0.30764
0.29495
0.28279
0.27114

Temporal
continuo

vk+1 kpx qx+k

56
0.00114
0.00162
0.00261
0.00367
0.00567
0.00611
0.00668
0.00632
0.00620
0.00630
0.00658
0.00703
0.00738
0.00784
0.00834
0.00884
0.00930
0.01028
0.01104
0.01150
0.01167
0.01153
0.01229
0.01256
0.01240
0.01189
0.01111
0.01058
0.01004
0.00971
0.00967

0.00169
0.00273
0.00383
0.00592
0.00638
0.00697
0.00660
0.00648
0.00658
0.00687
0.00734
0.00771
0.00819
0.00871
0.00923
0.00971
0.01074
0.01152
0.01201
0.01219
0.01204
0.01283
0.01311
0.01295
0.01242
0.01160
0.01104
0.01048
0.01013
0.01009

0.00285
0.00400
0.00618
0.00667
0.00728
0.00690
0.00677
0.00687
0.00718
0.00767
0.00806
0.00855
0.00910
0.00964
0.01014
0.01122
0.01204
0.01255
0.01273
0.01258
0.01341
0.01370
0.01353
0.01297
0.01212
0.01154
0.01095
0.01059
0.01055

0.00418
0.00647
0.00697
0.00762
0.00721
0.00708
0.00719
0.00751
0.00802
0.00843
0.00895
0.00952
0.01009
0.01061
0.01174
0.01260
0.01313
0.01332
0.01316
0.01403
0.01433
0.01415
0.01357
0.01268
0.01207
0.01146
0.01108
0.01103

0.00678
0.00730
0.00798
0.00756
0.00742
0.00753
0.00787
0.00841
0.00883
0.00937
0.00997
0.01057
0.01111
0.01230
0.01319
0.01376
0.01395
0.01378
0.01470
0.01502
0.01482
0.01422
0.01328
0.01265
0.01201
0.01160
0.01156

0.00767
0.00839
0.00794
0.00779
0.00791
0.00827
0.00883
0.00927
0.00985
0.01048
0.01110
0.01167
0.01292
0.01386
0.01445
0.01466
0.01448
0.01544
0.01577
0.01557
0.01493
0.01395
0.01328
0.01261
0.01219
0.01214

0.24821
0.25351

0.25800
0.26351

0.26780
0.27352

0.27717
0.28308

0.28597
0.29207

0.29327
0.29953

57

58

59

60

61

62

63

64

65

66

67

68

0.00882
0.00835
0.00819
0.00832
0.00869
0.00928
0.00975
0.01035
0.01101
0.01167
0.01227
0.01358
0.01457
0.01519
0.01541
0.01522
0.01623
0.01658
0.01637
0.01570
0.01467
0.01397
0.01326
0.01282
0.01277

0.00879
0.00862
0.00875
0.00915
0.00977
0.01026
0.01090
0.01159
0.01229
0.01292
0.01430
0.01534
0.01599
0.01622
0.01602
0.01709
0.01746
0.01724
0.01653
0.01544
0.01470
0.01396
0.01349
0.01344

0.00907
0.00921
0.00963
0.01029
0.01080
0.01147
0.01220
0.01293
0.01360
0.01505
0.01615
0.01683
0.01708
0.01687
0.01799
0.01838
0.01814
0.01740
0.01626
0.01548
0.01469
0.01420
0.01414

0.00970
0.01014
0.01083
0.01138
0.01208
0.01285
0.01362
0.01432
0.01585
0.01700
0.01773
0.01798
0.01776
0.01894
0.01935
0.01910
0.01832
0.01712
0.01630
0.01547
0.01495
0.01489

0.01068
0.01141
0.01199
0.01273
0.01354
0.01435
0.01509
0.01670
0.01792
0.01868
0.01894
0.01871
0.01995
0.02039
0.02013
0.01930
0.01804
0.01717
0.01630
0.01576
0.01569

0.01204
0.01264
0.01342
0.01428
0.01514
0.01592
0.01761
0.01890
0.01970
0.01998
0.01974
0.02105
0.02150
0.02123
0.02036
0.01903
0.01811
0.01719
0.01662
0.01655

0.01335
0.01418
0.01509
0.01599
0.01681
0.01860
0.01996
0.02081
0.02111
0.02085
0.02223
0.02271
0.02243
0.02150
0.02010
0.01913
0.01816
0.01755
0.01748

0.30028
0.30669

0.30682
0.31337

0.31372
0.32042

0.32079
0.32763

0.32778
0.33477

0.33445
0.34159

0.34056
0.34783

69

70

71

72

73

74

75

0.01500
0.01596
0.01691
0.01778
0.01967
0.02111
0.02201
0.02232
0.02205
0.02351
0.02403
0.02372
0.02275
0.02126
0.02023
0.01921
0.01857
0.01849

0.01691
0.01792
0.01884
0.02085
0.02237
0.02332
0.02365
0.02337
0.02492
0.02546
0.02513
0.02410
0.02252
0.02144
0.02035
0.01967
0.01960

0.01902
0.02001
0.02213
0.02375
0.02476
0.02511
0.02481
0.02645
0.02703
0.02668
0.02559
0.02391
0.02276
0.02161
0.02089
0.02080

0.02129
0.02355
0.02527
0.02635
0.02672
0.02640
0.02815
0.02876
0.02840
0.02723
0.02545
0.02422
0.02300
0.02223
0.02214

0.02512
0.02696
0.02811
0.02851
0.02816
0.03003
0.03068
0.03029
0.02904
0.02714
0.02584
0.02453
0.02371
0.02361

0.02887
0.03010
0.03053
0.03016
0.03216
0.03286
0.03244
0.03111
0.02907
0.02767
0.02627
0.02539
0.02529

0.03237
0.03283
0.03243
0.03458
0.03534
0.03489
0.03345
0.03126
0.02976
0.02825
0.02731
0.02720

0.34609
0.35348

0.35082
0.35831

0.35452
0.36209

0.35701
0.36463

0.35811
0.36575

0.35665
0.36426

0.35248
0.36001

76

77

78

79

80

81

82

0.03544
0.03501
0.03733
0.03814
0.03766
0.03611
0.03375
0.03212
0.03050
0.02948
0.02936

0.03792
0.04043
0.04131
0.04079
0.03911
0.03655
0.03479
0.03303
0.03193
0.03180

0.04391
0.04486
0.04429
0.04247
0.03969
0.03778
0.03587
0.03467
0.03453

0.04904
0.04841
0.04642
0.04338
0.04130
0.03921
0.03790
0.03775

0.05322
0.05103
0.04769
0.04539
0.04310
0.04166
0.04149

0.05635
0.05266
0.05013
0.04759
0.04600
0.04582

0.05835
0.05555
0.05274
0.05098
0.05077

0.34554
0.35292

0.33585
0.34302

0.32354
0.33045

0.30565
0.31218

0.28208
0.28810

0.25273
0.25813

0.21761
0.22226

83

84

85

0.06169
0.05857
0.05661
0.05639

0.06529
0.06311
0.06286

0.07063
0.07035

0.17687
0.18065

0.12840
0.13114

0.07063
0.07214

86

0.07921

Edad
56

Temporal
a/k
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

0.00114046
0.002758446
0.005371279
0.00903789
0.014704687
0.02081398
0.027490699
0.033810528
0.040012163
0.046309422
0.052890702
0.059920929
0.067303965
0.075143004
0.083483466
0.092322682
0.101617733
0.111901577
0.122936922
0.134441693
0.146110789
0.157637764
0.16992881
0.182487123
0.19488559
0.206774979
0.217885352
0.228461328
0.238501923
0.248207389

Temporal
Continuo
a/k
1
2

57

1
0.001689569
0.004417999
0.008246829
0.014164337
0.020543918
0.02751603
0.034115461
0.040591469
0.047167333
0.054039783
0.061381042
0.069090719
0.077276574
0.085986036
0.095216318
0.104922601
0.115661424
0.127184996
0.139198763
0.151384124
0.163421077
0.176255905
0.189369825
0.202316826
0.214732227
0.226334147
0.237378026
0.247862839
0.257997695

56
0

$
$

1,164.81 $
2,817.34 $

58

2
0.002850777
0.006851296
0.013034152
0.019699802
0.026984552
0.03387991
0.04064631
0.047517043
0.054697663
0.062368113
0.070423502
0.07897642
0.088076425
0.097720605
0.107862129
0.119082495
0.131122798
0.143675277
0.156407045
0.16898375
0.182394107
0.196096072
0.209623633
0.222595755
0.23471792
0.24625702
0.257211985
0.267801301

57

1
1,725.64 $
4,512.32 $

58

59

3
0.004184986
0.010652936
0.017625941
0.025246595
0.032459901
0.039538303
0.046725849
0.05423757
0.062261709
0.070688535
0.079635832
0.089155443
0.09924432
0.109853475
0.121591217
0.134186704
0.147317983
0.160636819
0.173793442
0.187822157
0.202155925
0.216307248
0.229877521
0.242558645
0.254629818
0.266089922
0.277167515

59

2
3
2,911.64 $ 4,274.33 $
6,997.57 $ 10,880.37 $

60

4
0.006775647
0.014080377
0.022063564
0.029620027
0.037035166
0.044564643
0.052433716
0.060839583
0.069667295
0.079040239
0.089012722
0.099581553
0.110695413
0.12299155
0.136186237
0.149942205
0.163894653
0.17767717
0.192373267
0.207388931
0.222213468
0.236429314
0.249713712
0.262359142
0.274364433
0.285969016

60

4
6,920.30
14,380.98

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

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

k(CV)

Aos
dias
a
1
2
3
4
5
6
7

5,485.95
9,230.84
15,018.62
21,258.34
28,077.60
34,532.35
40,866.39
47,298.09
54,019.87
61,200.19
68,740.85
76,747.24
85,265.77
94,293.69
103,787.18
114,290.58
125,561.52
137,311.91
149,230.13
161,003.20
173,556.64
186,383.07
199,046.23
211,189.45
222,537.02
233,338.78
243,593.73
253,506.40

$ 8,422.89
$ 14,466.73
$ 20,982.51
$ 28,103.47
$ 34,843.80
$ 41,458.06
$ 48,174.31
$ 55,193.49
$ 62,691.47
$ 70,565.75
$ 78,926.36
$ 87,821.76
$ 97,249.10
$ 107,162.61
$ 118,130.70
$ 129,900.29
$ 142,170.54
$ 154,616.05
$ 166,909.98
$ 180,018.82
$ 193,412.71
$ 206,636.12
$ 219,316.58
$ 231,166.19
$ 242,445.84
$ 253,154.50
$ 263,505.72
$
-

$ 13,312.42
$ 20,120.38
$ 27,560.65
$ 34,603.22
$ 41,514.07
$ 48,531.49
$ 55,865.41
$ 63,699.62
$ 71,926.98
$ 80,662.50
$ 89,956.78
$ 99,806.86
$ 110,164.89
$ 121,624.80
$ 133,922.16
$ 146,742.62
$ 159,746.20
$ 172,591.41
$ 186,288.07
$ 200,282.55
$ 214,098.92
$ 227,347.98
$ 239,728.95
$ 251,514.40
$ 262,703.24
$ 273,518.63
$
$
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

18,002.24
25,785.59
33,152.89
40,382.41
47,723.41
55,395.50
63,590.94
72,197.67
81,335.99
91,058.84
101,363.10
112,198.75
124,187.09
137,051.47
150,463.10
164,066.28
177,503.78
191,832.00
206,471.78
220,925.22
234,785.21
247,737.06
260,065.95
271,770.71
283,084.80
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

22,534.60
30,252.39
37,825.84
45,516.06
53,553.13
62,138.46
71,154.63
80,727.68
90,913.07
101,707.53
113,058.67
125,617.31
139,093.70
153,143.34
167,393.66
181,470.43
196,480.27
211,816.51
226,957.54
241,476.88
255,044.89
267,960.28
280,221.88
292,074.21
-

2,136.90 $ 13,803.98 $ 30,301.91 $

46,199.52

1
53.87

3
26.35

4
223.75

6
31.04

0
0
0
0
0
0
0

1
0
0
0
0
0
0

0
0
1
0
0
0
0

0
0
0
1
0
0
0

0
0
0
0
0
1
0

8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

61

5
0.007673058
0.016058785
0.023996269
0.031785305
0.039694443
0.047960301
0.05679002
0.066062855
0.075908414
0.086383743
0.09748549
0.109159748
0.122075897
0.135935904
0.150385494
0.165041471
0.179518949
0.194956073
0.210728876
0.226300916
0.241233572
0.255187814
0.268470869
0.281081506
0.293271232

61

$
$

5
7,836.87 $
16,401.63 $

62

6
0.008816874
0.01716246
0.025351965
0.033667747
0.04235859
0.051642284
0.061391877
0.07174364
0.082757553
0.09443009
0.106704574
0.1202848
0.134857412
0.15004992
0.165459426
0.180681256
0.196912071
0.213495824
0.229868493
0.245568904
0.260240595
0.274206591
0.287465598
0.300282052

62

63

7
0.008785235
0.017406167
0.026160027
0.035308708
0.045081472
0.055344677
0.066241776
0.077835906
0.090123358
0.103044467
0.117340106
0.132680409
0.148673266
0.164894551
0.180918274
0.198004136
0.215461529
0.232696717
0.249224233
0.264668835
0.279370567
0.293328064
0.306819694

63

6
7
9,005.11 $ 8,972.79 $
17,528.86 $ 17,777.77 $

64

8
0.009074784
0.018289495
0.027919812
0.038207067
0.049010583
0.060481363
0.072685871
0.0856202
0.099221547
0.114269785
0.130417684
0.147252491
0.164327752
0.18119505
0.199180404
0.217556848
0.235699389
0.253097003
0.269354692
0.284830402
0.299522697
0.313724599

64

8
9,268.52 $
18,679.96 $

65

9
0.00970278
0.019843179
0.030675312
0.042051051
0.054129396
0.066980332
0.080599745
0.094921505
0.110766793
0.127769988
0.145496472
0.163476147
0.181236844
0.200174816
0.219524593
0.238628078
0.256947179
0.274065979
0.29036138
0.305831872
0.320785997

65

66

10
0.010684564
0.022097982
0.034084178
0.046810684
0.060351241
0.074701514
0.089791823
0.106487418
0.124403056
0.143080798
0.162025318
0.180739108
0.20069335
0.221081495
0.241210132
0.260512292
0.278549739
0.295719601
0.312020287
0.327776897

66

9
10
9,909.93 $ 10,912.67
20,266.81 $ 22,569.76

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

24,508.57
32,463.89
40,541.89
48,984.21
58,002.44
67,473.24
77,528.99
88,227.96
99,566.72
111,490.21
124,682.11
138,838.02
153,596.10
168,564.96
183,351.52
199,118.22
215,227.76
231,132.25
246,383.70
260,635.85
274,202.49
287,082.36
299,532.32
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

60,245.08 $

25,893.21
34,386.52
43,262.91
52,744.80
62,702.54
73,275.31
84,524.36
96,446.09
108,982.62
122,852.78
137,736.50
153,253.36
168,991.84
184,538.65
201,115.97
218,053.78
234,775.99
250,811.59
265,796.51
280,060.67
293,602.74
306,692.82
-

$ 26,718.52
$ 36,062.52
$ 46,043.92
$ 56,526.24
$ 67,655.98
$ 79,497.64
$ 92,047.41
$ 105,244.38
$ 119,845.22
$ 135,513.02
$ 151,847.31
$ 168,414.91
$ 184,780.72
$ 202,231.35
$ 220,061.45
$ 237,664.59
$ 254,544.96
$ 270,319.29
$ 285,334.89
$ 299,590.37
$ 313,370.03
$
$
$
$
$
$
$
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

28,515.88
39,022.75
50,056.92
61,772.59
74,237.65
87,448.12
101,339.84
116,709.35
133,201.99
150,396.21
167,836.01
185,063.41
203,432.73
222,201.50
240,731.37
258,500.41
275,105.18
290,911.29
305,917.25
320,422.35
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

75,492.13 $ 90,403.51 $ 106,130.91 $

31,330.20
42,948.80
55,285.01
68,410.31
82,320.48
96,948.00
113,131.57
130,497.77
148,602.70
166,966.22
185,106.10
204,448.38
224,211.25
243,722.58
262,432.78
279,917.05
296,560.35
312,361.12
327,634.50
-

$ 34,811.85
$ 47,810.05
$ 61,639.69
$ 76,296.33
$ 91,708.80
$ 108,760.83
$ 127,058.95
$ 146,135.45
$ 165,484.42
$ 184,597.73
$ 204,977.98
$ 225,801.40
$ 246,359.76
$ 266,074.01
$ 284,496.54
$ 302,032.96
$ 318,681.65
$ 334,774.65
$
$
$
$
$
$
$
$
$
$
-

122,412.31 $ 138,972.58

7
86.43

8
71.93

8
317.19

9
113.78

9
195.06

9
227.95

0
0
0
0
0
0
1

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0
0
0

67

68

69

70

71

72

73

11
0.012038351
0.024680841
0.038104177
0.052386136
0.067522146
0.083438712
0.101048461
0.119945055
0.139645482
0.159627293
0.179365742
0.200412561
0.221917043
0.243147806
0.263506841
0.282531914
0.300641898
0.317835114
0.334454464

12
0.013353787
0.027532353
0.042617849
0.058605448
0.075417519
0.094018035
0.113977798
0.134786618
0.155892655
0.176741637
0.198972601
0.221686977
0.244112235
0.265616719
0.285712188
0.304841084
0.323001633
0.340556027

13
0.014997124
0.030953538
0.047864134
0.065646801
0.085321164
0.106433245
0.128443403
0.150767935
0.172820572
0.196334977
0.220360701
0.244080616
0.266826598
0.288082221
0.308315468
0.327524464
0.34609231

14
0.016906999
0.034825025
0.053667074
0.074513514
0.096883324
0.120204711
0.143859202
0.167225599
0.192140848
0.217597877
0.242730879
0.266831927
0.289353829
0.310792449
0.331145798
0.350819803

15
0.019023969
0.039028996
0.061162128
0.084912657
0.109673496
0.134787999
0.159596627
0.186049705
0.213078004
0.239762275
0.265350898
0.289262906
0.312024769
0.333634376
0.354522708

16
0.021287632
0.044839811
0.070113085
0.096461444
0.123186143
0.149585355
0.177734449
0.206495644
0.234890755
0.262119971
0.287565077
0.311786298
0.334781386
0.357008956

17
0.025122723
0.052081309
0.080186671
0.108693468
0.136853074
0.166879251
0.197558345
0.227846943
0.2568919
0.284033778
0.309870156
0.334398639
0.358108422

67

68

69

70

71

72

73

11
12
13
14
15
16
17
$ 12,295.36 $ 13,638.88 $ 15,317.30 $ 17,267.95 $ 19,430.11 $ 21,742.10 $ 25,659.07
$ 25,207.76 $ 28,120.14 $ 31,614.37 $ 35,568.51 $ 39,862.23 $ 45,797.10 $ 53,193.20

$ 38,917.67
$ 53,504.53
$ 68,963.69
$ 85,220.06
$ 103,205.76
$ 122,505.78
$ 142,626.79
$ 163,035.20
$ 183,195.05
$ 204,691.20
$ 226,654.78
$ 248,338.80
$ 269,132.49
$ 288,563.73
$ 307,060.34
$ 324,620.62
$ 341,594.78
$
$
$
$
$
$
$
$
$
$
$
-

$ 43,527.70
$ 59,856.62
$ 77,027.62
$ 96,025.24
$ 116,411.13
$ 137,664.20
$ 159,220.83
$ 180,514.92
$ 203,220.50
$ 226,419.80
$ 249,323.82
$ 271,287.41
$ 291,811.90
$ 311,349.18
$ 329,897.44
$ 347,826.61
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 48,885.99
$ 67,048.30
$ 87,142.70
$ 108,705.50
$ 131,185.56
$ 153,986.70
$ 176,510.14
$ 200,526.56
$ 225,065.21
$ 249,291.53
$ 272,523.12
$ 294,232.53
$ 314,897.74
$ 334,516.83
$ 353,481.08
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 54,812.82
$ 76,104.31
$ 98,951.70
$ 122,770.98
$ 146,930.47
$ 170,795.72
$ 196,242.89
$ 222,243.41
$ 247,912.98
$ 272,528.56
$ 295,531.29
$ 317,427.60
$ 338,215.48
$ 358,309.50
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 62,467.89
$ 86,725.47
$ 112,014.93
$ 137,665.61
$ 163,003.88
$ 190,021.71
$ 217,627.04
$ 244,880.99
$ 271,015.91
$ 295,438.42
$ 318,686.23
$ 340,757.18
$ 362,091.46
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 71,609.94
$ 98,520.81
$ 125,816.06
$ 152,778.87
$ 181,528.93
$ 210,904.15
$ 239,905.47
$ 267,716.01
$ 293,704.35
$ 318,442.67
$ 341,928.68
$ 364,630.79
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 81,898.59
$ 111,013.98
$ 139,774.77
$ 170,441.98
$ 201,776.05
$ 232,711.28
$ 262,376.32
$ 290,097.66
$ 316,485.62
$ 341,537.76
$ 365,753.73
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 155,525.87 $ 171,772.39 $ 187,774.78 $ 203,279.04 $ 218,081.42 $ 232,023.31 $ 244,988.99

9
230.70

9
215.15

9
171.20

9
98.77

9
6.09

8
265.80

8
151.07

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0

1
0
0
0
0
0
0

1
0
0
0
0
0

74

75

76

77

78

79

80

18
0.028874401
0.058977074
0.08950971
0.119670482
0.151830472
0.18468978
0.217130841
0.248239882
0.2773106
0.304983043
0.331254646
0.356649368

19
0.032372004
0.065206383
0.097640865
0.132225279
0.16756173
0.202448404
0.23590264
0.267164893
0.296923461
0.325175584
0.35248472

20
0.035442953
0.070454239
0.107786261
0.145930067
0.183588363
0.219700419
0.253446346
0.285569126
0.316065779
0.345544529

21
0.037918504
0.078350452
0.11966159
0.160446903
0.199557582
0.236105657
0.270895803
0.303924795
0.335851361

22
0.043906999
0.088768753
0.133059489
0.17553166
0.215220975
0.25300127
0.288869043
0.323539638

23
0.049036433
0.097448711
0.143873194
0.187255859
0.228551857
0.26775736
0.305654281

24
0.053215724
0.104246425
0.151933499
0.197326869
0.240422327
0.282079364

74

75

76

77

78

79

80

18
19
20
21
22
23
24
$ 29,490.84 $ 33,063.12 $ 36,199.63 $ 38,728.03 $ 44,844.38 $ 50,083.32 $ 54,351.83
$ 60,236.18 $ 66,598.48 $ 71,958.38 $ 80,023.17 $ 90,663.89 $ 99,529.16 $ 106,472.00

$ 91,420.67
$ 122,225.34
$ 155,071.92
$ 188,632.75
$ 221,766.40
$ 253,539.59
$ 283,230.94
$ 311,494.17
$ 338,326.65
$ 364,263.53
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 99,725.41
$ 135,048.18
$ 171,139.03
$ 206,770.50
$ 240,938.96
$ 272,868.63
$ 303,262.52
$ 332,117.80
$ 360,009.97
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 110,087.41
$ 149,045.55
$ 187,507.82
$ 224,390.83
$ 258,857.21
$ 291,665.78
$ 322,813.51
$ 352,921.61
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 122,216.26
$ 163,872.31
$ 203,817.97
$ 241,146.31
$ 276,679.20
$ 310,413.33
$ 343,021.50
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 135,900.20
$ 179,279.11
$ 219,815.76
$ 258,402.63
$ 295,036.15
$ 330,446.93
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 146,944.76
$ 191,253.61
$ 233,431.24
$ 273,473.75
$ 312,179.74
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 155,177.15
$ 201,539.63
$ 245,555.14
$ 288,101.52
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 255,687.07 $ 264,102.58 $ 270,327.70 $ 274,571.87 $ 277,173.25 $ 275,145.50 $ 268,709.19

8
26.40

7
264.79

7
127.61

6
343.35

6
187.02

6
15.76

5
198.64

0
0
0
0
0
0
0

0
0
0
0
0
0
1

0
0
0
0
0
0
1

0
0
0
0
0
1
0

0
0
0
0
0
1
0

0
0
0
0
0
1
0

0
0
0
0
1
0

1
0
0
0
0

0
0
0
0

0
0
0

0
0

81

25
0.056352828
0.109013315
0.15914088
0.206730877
0.252732438

81

82

83

84

85

86

26
27
28
29
0.058354746 0.061691275 0.065287632 0.070631831
0.113902682 0.120259602 0.128396123
0.166638659 0.176873062
0.217614439

82

83

84

85

25
26
27
28
29
$ 57,555.91 $ 59,600.57 $ 63,008.33 $ 66,681.47 $ 72,139.76
$ 111,340.66 $ 116,334.41 $ 122,827.04 $ 131,137.27 $
-

30

86

$ 162,538.40
$ 211,144.40
$ 258,128.06
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 170,196.25
$ 222,260.32
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$ 180,649.15
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$ 258,128.06 $ 222,260.32 $ 180,649.15 $ 131,137.27 $ 72,139.76

0

0
0
0
0
0

0
0
0
0

0
0
0

0
0

bG
i'
i
t

St
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

(1+i')^k

1
1.08
2.2464
3.506112
4.86660096
6.33592904
7.92280336
9.63662763
11.4875578
13.4865625
15.6454875
17.9771265
20.4952966
23.2149203
26.1521139
29.324283
32.7502257
36.4502437
40.4462632
44.7619643
49.4229214
54.4567552
59.8932956
65.7647592
72.10594
78.9544151
86.3507684
94.3388298
102.965936
112.283211
122.345868

k(CV)

1
1.08
1.1664
1.259712
1.36048896
1.469328077
1.586874323
1.713824269
1.85093021
1.999004627
2.158924997
2.331638997
2.518170117
2.719623726
2.937193624
3.172169114
3.425942643
3.700018055
3.996019499
4.315701059
4.660957144
5.033833715
5.436540413
5.871463646
6.341180737
6.848475196
7.396353212
7.988061469
8.627106386
9.317274897
10.06265689

19,975.85
0.08
0.043

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

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,136.90
13,803.98
30,301.91
46,199.52
60,245.08
75,492.13
90,403.51
106,130.91
122,412.31
138,972.58
155,525.87
171,772.39
187,774.78
203,279.04
218,081.42
232,023.31
244,988.99
255,687.07
264,102.58
270,327.70
274,571.87
277,173.25
275,145.50
268,709.19
258,128.06
222,260.32
180,649.15
131,137.27
72,139.76
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

bGSt
19,975.85
21,573.91
44,873.74
70,037.56
97,214.47
126,565.55
158,264.71
192,499.80
229,473.69
269,405.50
312,531.86
359,108.32
409,410.90
463,737.69
522,410.62
585,777.38
654,213.49
728,124.48
807,948.36
894,158.14
987,264.70
1,087,819.79
1,196,419.29
1,313,706.75
1,440,377.20
1,577,181.30
1,724,929.71
1,884,498.00
2,056,831.76
2,242,952.22
2,443,962.31

a
1598.06774

Gi'=

b
t

k
2
3
4

2
3
4

k+t+1(CV)-k+t(CV)-G(Sti'+1)

k+t
4
6
8

k+t(CV)-G*St

9,520.19 10,667.47 11,471.61 -

1,325.78
5,454.57
8,916.44

5
6
7
8
8
8
9
9
9
9
8
8

5
6
7
8
9
10
11
12
13
14
15
16

10
12
14
16
17
18
20
21
22
23
23
24

13,547.81
16,634.64
20,573.46
25,368.07
27,635.66
29,918.24
37,284.11
38,926.91
43,556.03
47,964.60
44,770.06
48,914.87

12,407.04
13,507.69
10,779.25
2,549.62
15,515.30
26,213.38
922.19
5,166.37
7,767.75
5,740.00
45,671.81
39,235.49

k=

AOS
Das

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

233.5437006
r1

r2
dias
0.136148483 -6.09346019
0.477211694 -7.15244011
0.707525492 -7.8859533

49.69419617
174.1822685
258.2468047

0.833791514
0.756973613
0.504193348
0.099876651
0.544291761
0.838603151
0.02470807
0.132004361
0.17718724
0.119198162
0.985476142
0.782132387

-9.31140798
-11.1661915
-13.3781508
-15.9740884
-17.8374638
-19.5601106
-23.3554542
-24.4907404
-27.4326241
-30.1333216
-29.0005949
-31.3908922

304.3339026
276.2953689
184.0305721
36.4549775
198.6664927
306.0901502
9.018445582
48.1815918
64.67334255
43.50732918
359.6987919
285.4783212

10

11

12

13

0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0

14

15

16

17

18

19

20

0
0
0
0
0
0
0
0
1
0
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0
0

0
0
0
0
0
0
0
1
0
0
0
0

0
0
0
0
0
0
1
0
0
0
0

0
0
0
0
0
0
1
0
0
0

0
0
0
0
0
1
0
0
0

7
6

6
5

Quedan estas:

21

22

23

24

25

26

27

0
0
0
0
0
1
0
0

0
0
0
0
1
0
0

0
0
0
0
1
0

0
0
0
1
0

0
0
1
0

0
0
1

0
1

6
4

5
3

5
2

4
1

28
1

1
-

Asset Share
Plan
Temporal edad 56 vence a los 85 aos. Pagos Limitados 25 aos
Recargo fijo
fee=
118.22
Tamao (miles)
TAM=
1,000.00
Pleno de retencin
= 600,000.00

Prima por
unidad

Prima al
millar

Tasa de
inters

PFt

Gt

it

0.01986
0.01986
0.01986
0.01986
0.01986
0.01986
0.01986
0.01986
0.01986
0.01986

19.97585
19.97585
19.97585
19.97585
19.97585
19.97585
19.97585
19.97585
19.97585
19.97585

Ao

Gastos al
millar

t
1
2
3
4
5
6
7
8
9
10

EtMill
0.75
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50

t
1
2
3

EtP*Ft-1
0.78000
0.23103
0.03450

Utilidad
u'-u
(1-u')/G
s/PIVn

Ao
t
1
2
3
4
5
6
7
8
9
10

Suma asegurada
Gastos fijos y al millar del 1er ao
Gastos del reasegurador
Gastos por siniestro

Mortalidad selecta

Cancelacin
anual

Prima de
reaseguro

0.0700
0.0695
0.0690
0.0685
0.0680
0.0675
0.0670
0.0665
0.0660
0.0655

q[56](x)
0.00104
0.00159
0.00275
0.00415
0.00689
0.00780
0.00897
0.00893
0.00923
0.00987

q56(w)
0.25
0.20
0.15
0.10
0.05
0.05
0.05
0.05
0.05
0.05

qt(r)
0.00000
0.00222
0.00385
0.00581
0.00965
0.01092
0.01255
0.01251
0.01292
0.01381

Gastos
acumulados

Mortalidad
directa

Mortalidad
reaseguro

Participaci
n reaseguro

Costo de
siniestros

EOEt

EMCAt

EMCBt

EMCt

1.26260
0.62288
0.62518
0.62752
0.62988
0.63227
0.63468
0.63712
0.63957
0.64204

1.07705
1.64082
2.84476
4.28801
7.12345
8.06502
9.26507
9.22964
9.53157
10.18876

0.00220
2.08302
3.59799
5.40378
8.94790
10.09792
11.56375
11.48098
11.81540
12.58533

Prof
0.00000
0.20221
0.34456
0.51060
0.83521
0.93099
1.05310
1.03179
1.04707
1.09916

10.0%
0.06323
0.04505
0.01306

0.64711
1.81770
3.14605
4.73431
7.85323
8.87818
10.18454
10.13018
10.44510
11.14739

4
5
6
7
8
9
10
s=

0.02735
0.02294
0
0
0
0
0
1.09583

den
H
G+H

0.03199
1.97638
21.95223

Asset Share
Plan
Temporal edad 56 vence a los 85 aos. Pagos Limitados 25 aos
Recargo fijo
fee=
118.22
Tamao (miles)
TAM=
1,000.00
Pleno de retencin
= 600,000.00

Ao
t
1
2
3
4
5
6
7
8
9
10

Prima por
unidad

Prima al
millar

Tasa de
inters

PFt

Gt

it

21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223

Suma asegurada
Gastos fijos y al millar del 1er ao
Gastos del reasegurador
Gastos por siniestro

Mortalidad selecta

Cancelacin
anual

Prima de
reaseguro

0.07000
0.06950
0.06900
0.06850
0.06800
0.06750
0.06700
0.06650
0.06600
0.06550

q[32](m)
0.00104
0.00159
0.00275
0.00415
0.00689
0.00780
0.00897
0.00893
0.00923
0.00987

q32(w)
0.25
0.20
0.15
0.10
0.05
0.05
0.05
0.05
0.05
0.05

qt(r)
0.00000
0.00222
0.00385
0.00581
0.00965
0.01092
0.01255
0.01251
0.01292
0.01381

Mortalidad
directa

Mortalidad
reaseguro

Participaci
n reaseguro

Costo de
siniestros

Prof
0.00000
0.20221
0.34456

0.64711
1.81770
3.14605

Ao

Gastos al
millar

Gastos
acumulados

t
1
2
3

EtMill
0.75
0.50
0.50

EOEt

EMCAt

EMCBt

1.26260
0.62288
0.62518

1.07705
1.64082
2.84476

0.00220
2.08302
3.59799

EMCt

4
5
6
7
8
9
10

t
1
2
3
4
5
6
7
8
9
10
s=

0.50
0.50
0.50
0.50
0.50
0.50
0.50

EtP*Ft-1
0.78000
0.23103
0.03450
0.02735
0.02294
0
0
0
0
0
1.09583

0.62752
0.62988
0.63227
0.63468
0.63712
0.63957
0.64204

Utilidad
u'-u
(1-u')/G
s/PIVn
den
H
G+H

4.28801
7.12345
8.06502
9.26507
9.22964
9.53157
10.18876

5.40378
8.94790
10.09792
11.56375
11.48098
11.81540
12.58533

0.51060
0.83521
0.93099
1.05310
1.03179
1.04707
1.09916

4.73431
7.85323
8.87818
10.18454
10.13018
10.44510
11.14739

10.0%
0.00000
0.04100
0.01189
0.02911
0.00000
21.95223

Asset Share
Plan
Dotal edad 50 vence a los 80 aos. Pagos Limitados 25 aos
Recargo fijo
fee=
117.29
Tamao (miles)
TAM=
1,000.00
Pleno de retencin
= 600,000.00

Ao

Prima por
unidad

Prima al
millar

Tasa de
inters

Mortalidad selecta

Suma asegurada
Gastos fijos y al millar del 1er ao
Gastos del reasegurador
Gastos por siniestro

Cancelacin
anual

Prima de
reaseguro

t
1
2
3
4
5
6
7
8
9
10

PFt

Gt

it

21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223
21.95223

0.08000
0.07950
0.07900
0.07850
0.07800
0.07750
0.07700
0.07650
0.07600
0.07550

q[32](m)
0.00083
0.00127
0.00220
0.00332
0.00551
0.00624
0.00717
0.00715
0.00738
0.00789

q32(w)
0.25
0.20
0.15
0.10
0.05
0.05
0.05
0.05
0.05
0.05

qt(r)
0.00000
0.00222
0.00385
0.00581
0.00965
0.01092
0.01255
0.01251
0.01292
0.01381

Ao

Gastos al
millar

Gastos
acumulados

Mortalidad
directa

Mortalidad
reaseguro

Participaci
n reaseguro

Costo de
siniestros

t
1
2
3
4
5
6
7
8
9
10

EtMill
0.75
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50

EOEt

EMCAt

EMCBt

EMCt

1.22796
0.61981
0.62188
0.62398
0.62610
0.62825
0.63042
0.63261
0.63481
0.63703

0.86570
1.31885
2.28655
3.44661
5.72569
6.48252
7.44711
7.41864
7.66135
8.18961

0.00177
1.93209
3.33111
4.99391
8.25569
9.30151
10.63459
10.54042
10.82809
11.51259

Prof
0.00000
0.35775
0.60961
0.90337
1.47769
1.64713
1.86317
1.82548
1.85250
1.94467

0.52013
1.56415
2.70438
4.06553
6.73769
7.61012
8.72210
8.66735
8.92805
9.51880

Asset Share 1
1,000,000
u

E + FEu
GR/100
EM

illar del 1er ao

430
0.10
200

0.75

Porcentaje reasegurado
Utilidad reasegurador
Gastos por cancelacin

Probabilidad
de
persistencia

Valor
presente

Valor
presente
actuarial

Valor de
rescate al
millar

FtMW
0.74911
0.59823
0.50698
0.45429
0.42853
0.40384
0.38012
0.35781
0.33670
0.31663

Fti
0.93458
0.87385
0.81744
0.76504
0.71633
0.67103
0.62890
0.58968
0.55317
0.51917

FtT
0.70010
0.52276
0.41443
0.34755
0.30697
0.27099
0.23906
0.21099
0.18625
0.16438

tCV

Costo de
rescate

Dividendos
al millar

Asset Share

EWCt

SBEt

0.55889
2.77835
4.55351
4.61985
3.00659
3.76448
4.50437
5.28721
6.09663
6.91844

0
0
0
0
0
0
0
0
0
0

Reserva al
millar

EW

Prima
acumulada

Comisin
total en %

PIt

2
14
30
46
60
75
90
106
122
139

2
19
36
53
68
82
97
112
127
143

21.3742
21.3642
21.3542
21.3442
21.3342
21.3242
21.3142
21.3042
21.2943
21.2843

EtP
78
33
6.6
6.6
6.6
0
0
0
0
0

At

Utilidad
acumulada
al final
St

Utilidad
anual al
principio
Bt

Valor
presente de
utilidad
DBKt

Valor
presente de
las primas
PIVt

2.98184
15.38229
33.11461
50.59502
66.22795
83.56097
101.08769
120.11085
140.43566
161.85970

1.14138
-3.88660
-3.19498
-2.21903
-1.34520
1.34969
4.57222
8.50805
13.21727
18.76524

tV

mod

PR/100
PC/100

0.79908
0.79908
19.97585
-4.04348
-2.03176
33.96095
1.35370
-1.32410
44.40356
1.33405
-0.77123
52.68216
1.03092
-0.41293
59.62481
2.53671
0.36576
65.75674
2.68374
1.09303
71.17006
2.93700
1.79515
75.94547
3.15946
2.46177
80.16025
3.34451
3.08470
83.88084
Tasa interna de retorno al 10 ao=

Asset Share 2
1,000,000
u

E + FEu
GR/100
EM

illar del 1er ao

430
0.10
200

0.75

Porcentaje reasegurado
Utilidad reasegurador
Gastos por cancelacin

PR/100
PC/100
EW

Probabilidad
de
persistencia

Valor
presente

Valor
presente
actuarial

Valor de
rescate al
millar

Reserva al
millar

Prima
acumulada

Comisin
total en %

FtMW
0.74911
0.59823
0.50698
0.45429
0.42853
0.40384
0.38012
0.35781
0.33670
0.31663

Fti
0.93458
0.87385
0.81744
0.76504
0.71633
0.67103
0.62890
0.58968
0.55317
0.51917

FtT
0.70010
0.52276
0.41443
0.34755
0.30697
0.27099
0.23906
0.21099
0.18625
0.16438

tCV

com
tV

PIt

2
14
30
46
60
75
90
106
122
139

2
19
36
53
68
82
97
112
127
143

23.48889
23.47791
23.46693
23.45596
23.44498
23.43401
23.42303
23.41205
23.40108
23.39010

EtP
78
33
6.6
6.6
6.6
0
0
0
0
0

Costo de
rescate

Dividendos
al millar

Asset Share

EWCt

SBEt

At

Utilidad
acumulada
al final
St

Utilidad
anual al
principio
Bt

Valor
presente de
utilidad
DBKt

Valor
presente de
las primas
PIVt

0.55889
2.77835
4.55351

0
0
0

3.60290
17.98742
38.72919

1.76244
-1.28147
2.41959

1.23388
-2.71930
3.19965

1.23388
-0.66990
1.00275

21.95223
37.32101
48.79679

4.61985
3.00659
3.76448
4.50437
5.28721
6.09663
6.91844

0
0
0
0
0
0
0

59.49114
78.39024
99.57655
121.48306
145.45835
171.38891
199.17046

6.67709
10.81710
17.36527
24.96760
33.85555
44.17052
56.07601

t
1
2
3
4
5
6
7
8
9
10

Dividendos
Inters
0.01
0.21952231
0.255551269
0.399396481
0.606814167
0.814433703
1.003424714
1.215287788
1.434352956
1.674105806
1.933411425

3.17999
2.32064
57.89447
2.87686
3.32050
65.52401
4.51310
4.70587
72.26263
4.66012
5.96873
78.21153
4.91338
7.14332
83.45941
5.13584
8.22695
88.09120
5.32089
9.21799
92.17990
Tasa interna de retorno al 10 ao=

Gastos
0.9
-0.1365874
-0.06937128
-0.01118354
-0.01094706
-0.01070812
0.004021591
0.004264943
0.004510227
0.004757249
0.005005809

Mortalidad
0.8
0.13
0.189668334
0.32188756
0.474709593
0.772758849
0.854782031
0.958073361
0.928355765
0.929626907
0.960398977

Total
0.209258943
0.375848321
0.710100504
1.070576702
1.576484435
1.862228336
2.177626092
2.367218948
2.608489962
2.898816211

Asset Share 3
1,000,000

illar del 1er ao

Probabilidad
de
persistencia

Eu + FEu
GR/100
EM

Valor
presente

430
0.10
200
Valor
presente
actuarial

0.75

Valor de
rescate al
millar

Porcentaje reasegurado
Utilidad reasegurador
Gastos por cancelacin

Reserva al
millar

Prima
acumulada

PR/100
PC/100
EW

Comisin
total en %

tCV

com
tV

PIt

2
14
30
46
60
75
90
106
122
139

2
19
36
53
68
82
97
112
127
143

23.70841
23.69743
23.68646
23.67548
23.66450
23.65353
23.64255
23.63158
23.62060
23.60962

EtP
78
33
6.6
6.6
6.6
0
0
0
0
0

At

Utilidad
acumulada
al final
St

Utilidad
anual al
principio
Bt

Valor
presente de
utilidad
DBKt

Valor
presente de
las primas
PIVt

3.60277
18.06006
38.93775
59.90331
79.10909
100.67029
123.03597
147.52208
174.03161
202.47850

1.76231
-1.20882
2.62815
7.08926
11.53595
18.45901
26.52050
35.91928
46.81321
59.38405

FtMW
0.74932
0.59863
0.50766
0.45532
0.43012
0.40602
0.38290
0.36110
0.34047
0.32084

Fti
0.92593
0.85774
0.79494
0.73708
0.68374
0.63456
0.58920
0.54733
0.50867
0.47296

FtT
0.69381
0.51347
0.40355
0.33560
0.29409
0.25764
0.22560
0.19764
0.17318
0.15175

Costo de
rescate

Dividendos
al millar

Asset Share

EWCt

SBEt

0.55889
2.77835
4.55351
4.61985
3.00659
3.76448
4.50437
5.28721
6.09663
6.91844

0.2092589
0.3758483
0.7101005
1.0705767
1.5764844
1.8622283
2.1776261
2.3672189
2.6084900
2.8988162

1.22271
1.22271
21.95223
-2.65692
-0.62069
37.18293
3.27437
1.06060
48.45475
3.26741
2.37917
57.31365
3.01983
3.39264
64.68087
4.63531
4.75585
71.13686
4.76322
5.98306
76.79272
4.94705
7.09912
81.74517
5.10119
8.10733
86.08383
5.21944
9.01125
89.88562
Tasa interna de retorno al 10 ao=

0.40
0.5
100

Comisin al
final

Gastos fijos

16.672
7.050
1.409
1.409
1.408
0
0
0
0
0

EtU
430
82
85
87
90
92
95
97
100
103

Porcentaje
de utilidad

Utilidad
anual al final

VARt

B't

4.00023
-5.98265
-2.98197
-1.46393
-0.69255
0.55623
1.53580
2.36373
3.07107
3.67748
52%

1.14138
-5.41517
1.70756
1.59075
1.16722
2.87346
3.04224
3.32766
3.57912
3.78948

EGPt

q'[x](m)
0.00119
0.00176
0.00297
0.00436
0.00707
0.00800
0.00920
0.00916
0.00947
0.01012

q'x(w)
0.25
0.20
0.15
0.10
0.05
0.05
0.05
0.05
0.05
0.05

0.40
0.5
100

Comisin al
final
EGPt

Gastos fijos

18.32133
7.74771
1.54882
1.54809
1.54737
0
0
0
0
0

EtU
430
82
85
87
90
92
95
97
100
103

Porcentaje
de utilidad

Utilidad
anual al final

VARt

B't

5.62
-1.79
2.05

1.76244
-3.64179
4.03603

4.01
5.07
6.51
7.63
8.56
9.34
10.00
#NUM!

3.79191
3.25722
5.11221
5.28263
5.56693
5.81802
6.02881

0.40
0.5
100

Comisin al
final

Gastos fijos

EGPt
18.49256
7.82015
1.56331
1.56258
1.56186
0
0
0
0
0

EtU
387
74
76
79
81
83
85
88
90
92

Porcentaje
de utilidad

Utilidad
anual al final

Asset Share
anterior

VARt

B't

At ant.

5.56987
-1.66929
2.18885
4.15115
5.24519
6.68549
7.79118
8.68446
9.41794
10.02525
#NUM!

1.76231
-3.59009
4.16622
3.92897
3.44607
5.29107
5.43975
5.64691
5.82156
5.95687

3.60290
17.98742
38.72919
59.49114
78.39024
99.57655
121.48306
145.45835
171.38891
199.17046

[1]

70(12)
10.7984

[2]

70:15(12)
13.2021879

[3]

[4]

G en renta

G en Efectivo

12.6138025

[5]
1

70:67(12) +

12.95862912

12.0665850

Seguro Temporal edad 56 con 25 pago de primas.

DATOS
Nueva Edad X
Edad Y
i
r
d
v
(12)
i
(12)

d
(12)
(12)
15Ex

i/i(12)
1-d

70
67
0.043
0.03
0.04122723
0.95877277

85(12)
11.14072682

15E70

*85(12)

5.978952064 1.665395446

0.04217512
0.04202741
1.00014669
0.46537543
0.27854303
0.04210118
1.01955852
0.95877277

(x)

qx

0
1
2
3
4
5
6
7
8
9
10
11

70
71
72
73
74
75
76
77
78
79
80
81

0.0176340
0.0198420
0.0222030
0.0262030
0.0301160
0.0337640
0.0369670
0.0395490
0.0457950
0.0511450
0.0555040
0.0587760

px
0.9823660
0.9801580
0.9777970
0.9737970
0.9698840
0.9662360
0.9630330
0.9604510
0.9542050
0.9488550
0.9444960
0.9412240

kp70

1.00000000
0.98236600
0.96287389
0.94149520
0.91682521
0.88921410
0.85919067
0.82742897
0.79470498
0.75831147
0.71952763
0.67959097

v^k
1.00000000
0.95877277
0.91924523
0.88134729
0.84501179
0.81017429
0.77677305
0.74474885
0.71404492
0.68460682
0.65638238
0.62932156

12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

0.0608640
0.0643440
0.0680950
0.0736690
0.0826150
0.0910530
0.0994900
0.1025110
0.1086220
0.1131800
0.1238200
0.1318010
0.1403160
0.1926990
0.2184030
0.3130000
0.4678460
0.6619580
1.0000000

(x)

qx
0.07366900
0.08261500
0.09105300
0.09949000
0.10251100
0.10862200
0.11318000
0.12382000
0.13180100
0.14031600
0.19269900
0.21840300
0.31300000
0.46784600
0.66195800
1.00000000

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

0.9391360
0.9356560
0.9319050
0.9263310
0.9173850
0.9089470
0.9005100
0.8974890
0.8913780
0.8868200
0.8761800
0.8681990
0.8596840
0.8073010
0.7815970
0.6870000
0.5321540
0.3380420
0.0000000

n(12)
8
9
10
11

6.80401426
7.50446416
8.17603645
8.81992167

nE70
0.567455055
0.519145207
0.472285259
0.427681244

0.60337637
0.57850084
0.55465085
0.53178413
0.50986015
0.48884002
0.46868650
0.44936386
0.43083783
0.41307558
0.39604562
0.37971776
0.36406305
0.34905373
0.33466322
0.32086598
0.30763756
0.29495452
0.28279436

px
kp85
v^k
0.92633100
1
1
0.91738500 0.9263310000 0.95877277
0.90894700 0.849802164 0.91924523
0.90051000 0.772425128 0.88134729
0.89748900 0.695576552 0.84501179
0.89137800 0.624272304 0.81017429
0.88682000 0.556462598 0.77677305
0.87618000 0.493482161 0.74474885
0.86819900
0.4323792 0.714044918
0.85968400 0.375391189 0.684606825
0.80730100 0.322717799 0.656382382
0.78159700 0.260530402 0.629321555
0.68700000
0.20362978 0.603376371
0.53215400 0.139893659 0.578500835
0.33804200
0.07444497 0.554650849
0.00000000 0.025165527 0.531784131

ANUALIDADES CON DEVOLUCIN DE SU COSTO EN RENTAS

0.63964733
0.60071583
0.56206337
0.52378967
0.48520261
0.44511759
0.40458830
0.36433581
0.32698738
0.29146936
0.25848086
0.22647576
0.19662603
0.16903625
0.13646313
0.10665918
0.07327485
0.03899351
0.01318144

70+n
8.505585774
8.204029493
7.918810315
7.640391445

70+n(12)
8.041458046
7.739857529
7.454596512
7.1761368

0.6138025

suma/.97
11.71874255
11.87894237
12.05848711
12.25672246

12 9.43726129
13 10.0291497

0.385948084
0.347514611

7.358427194
7.06163917

ANUALIDADES CON DEVOLUCIN DE SU COSTO EN EFECTIVO

n
10
11
12
13
14
15

A'x:n
0.21759788
0.24273088
0.26683193
0.28935383
0.31079245
0.3311458

(IA)'x:n
1.275752477
1.552215498
1.841428071
2.134212802
2.434353475
2.739653713

(x)

qx

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

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
97
98
99
100

0.0176340
0.0198420
0.0222030
0.0262030
0.0301160
0.0337640
0.0369670
0.0395490
0.0457950
0.0511450
0.0555040
0.0587760
0.0608640
0.0643440
0.0680950
0.0736690
0.0826150
0.0910530
0.0994900
0.1025110
0.1086220
0.1131800
0.1238200
0.1318010
0.1403160
0.1926990
0.2184030
0.3130000
0.4678460
0.6619580
1.0000000

x(12)
10.7984
10.7984
10.7984
10.7984
10.7984
10.7984

px
0.9823660
0.9801580
0.9777970
0.9737970
0.9698840
0.9662360
0.9630330
0.9604510
0.9542050
0.9488550
0.9444960
0.9412240
0.9391360
0.9356560
0.9319050
0.9263310
0.9173850
0.9089470
0.9005100
0.8974890
0.8913780
0.8868200
0.8761800
0.8681990
0.8596840
0.8073010
0.7815970
0.6870000
0.5321540
0.3380420
0.0000000

6.894131187 12.47220414
6.597299627 12.70289457
h

0.958629116
nA'x:n(12)
2.218537704
2.722261704
3.264609185
3.835171118
4.436195262
5.064337812

kp70

1.00000000
0.98236600
0.96287389
0.94149520
0.91682521
0.88921410
0.85919067
0.82742897
0.79470498
0.75831147
0.71952763
0.67959097
0.63964733
0.60071583
0.56206337
0.52378967
0.48520261
0.44511759
0.40458830
0.36433581
0.32698738
0.29146936
0.25848086
0.22647576
0.19662603
0.16903625
0.13646313
0.10665918
0.07327485
0.03899351
0.01318144

(I(12)A)'x:n
1.207486904
1.478590332
1.763134756
2.051997698
2.348824525
2.651376752

v^k+1
0.95877277
0.91924523
0.88134729
0.84501179
0.81017429
0.77677305
0.74474885
0.71404492
0.68460682
0.65638238
0.62932156
0.60337637
0.57850084
0.55465085
0.53178413
0.50986015
0.48884002
0.46868650
0.44936386
0.43083783
0.41307558
0.39604562
0.37971776
0.36406305
0.34905373
0.33466322
0.32086598
0.30763756
0.29495452
0.28279436
0.27113553

X
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

kp70

Y
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
97
98
99
100

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
97
98
99
100

1.00000000
0.98236600
0.96287389
0.94149520
0.91682521
0.88921410
0.85919067
0.82742897
0.79470498
0.75831147
0.71952763
0.67959097
0.63964733
0.60071583
0.56206337
0.52378967
0.48520261
0.44511759
0.40458830
0.36433581
0.32698738
0.29146936
0.25848086
0.22647576
0.19662603
0.16903625
0.13646313
0.10665918
0.07327485
0.03899351
0.01318144

qy
0.020669
0.022502
0.024577
0.026927
0.029587
0.032593
0.035043
0.037544
0.039766
0.041379
0.042053
0.0498
0.056519
0.062448
0.067827
0.06999
0.072152
0.074749
0.077345
0.086725
0.095199
0.103672
0.112145
0.120618
0.129091
0.137563
0.146036
0.164137
0.229289
0.264859
0.36328
0.513871
0.697694
1

kp67

1.0000000
0.9793310
0.9572941
0.9337667
0.9086231
0.8817397
0.8530012
0.8231094
0.7922066
0.7607037
0.7292266
0.6985604
0.6637721
0.6262564
0.5871479
0.5473234
0.5090163
0.4722897
0.4369865
0.4031878
0.3682213
0.3331670
0.2986270
0.2651374
0.2331571
0.2030586
0.1751253
0.1495507
0.1250039
0.0963419
0.0708248
0.0450956
0.0219223
0.0066272

[5]
+

2
3

70:(12)
12.0665850

70+k
11.26207433
10.89547432
10.52991428
10.16540304
9.81674350
9.48140547
9.15522285
8.83240495
8.50558577
8.20402949
7.91881032
7.64039145

70+k(12)
10.798351
10.4316972
10.0660835
9.70151879
9.3528081
9.01742089
8.69119042
8.36832516
8.04145805
7.73985753
7.45459651
7.1761368

7.35842719
7.06163917
6.75706633
6.44338230
6.12896226
5.83125693
5.54377865
5.26275237
4.95387768
4.62642607
4.26508467
3.88673938
3.46794822
2.99420484
2.57643140
2.10366462
1.67557816
1.32410547
1.00000000

6.89413119
6.59729963
6.29268211
5.97895206
5.6644859
5.3667369
5.07921645
4.79814894
4.48922894
4.1617293
3.8003349
3.42193411
3.00308151
2.52926864
2.11143392
1.63859778
1.21044852
0.85892427
0.53477126

12.6138025

12.9586291
suma/.97
12.1746410
12.4144560
12.6802324
12.9706437
13.2842492
13.6199093

A'x:k+1
0.01690700
0.03482502
0.05366707
0.07451351
0.09688332
0.12020471
0.14385920
0.16722560
0.19214085
0.21759788
0.24273088
0.26683193
0.28935383
0.31079245
0.33114580
0.35081980
0.37041496
0.38941049
0.40749851
0.42358962
0.43826125
0.45132620
0.46347911
0.47434629
0.48397661
0.49487763
0.50444071
0.51471098
0.52482242
0.53212192

(IA)'x:k+1
0.016907
0.05274305
0.1092692
0.19265496
0.30450401
0.44443233
0.61001377
0.79694495
1.02118218
1.27575248
1.5522155
1.84142807
2.1342128
2.43435348
2.73965371
3.05443779
3.38755549
3.72947507
4.07314734
4.39496966
4.70307385
4.99050279
5.2700196
5.53083202
5.77158989
6.05501651
6.31321956
6.60078716
6.89401887
7.11300405

kpxy

1.0000000
0.9620615
0.9217535
0.8791368
0.8330486
0.7840554
0.7328906
0.6810646
0.6295706
0.5768504
0.5246987
0.4747353
0.4245801
0.3762021
0.3300143
0.2866824
0.2469760
0.2102245
0.1767996
0.1468958
0.1204037
0.0971080
0.0771894
0.0600472
0.0458448
0.0343243
0.0238981
0.0159510
0.0091596
0.0037567
0.0009336
0.0000000
0.0000000
0.0000000

kpxy

1.00000000
0.99963552
0.99841450
0.99612503
0.99239975
0.98689843
0.97930119
0.96947382
0.95734106
0.94216484
0.92405554
0.90341603
0.87883938
0.85077009
0.81919695
0.78443074
0.74724285
0.70718285
0.66477520
0.62062787
0.57480500
0.52752842
0.47991846
0.43156599
0.38393836
0.33777059
0.28769025
0.24025889
0.18911908
0.13157865
0.08307272
0.04509560
0.02192228
0.00662724

v^k
1.000000
0.958773
0.919245
0.881347
0.845012
0.810174
0.776773
0.744749
0.714045
0.684607
0.656382
0.629322
0.603376
0.578501
0.554651
0.531784
0.509860
0.488840
0.468687
0.449364
0.430838
0.413076
0.396046
0.379718
0.364063
0.349054
0.334663
0.320866
0.307638
0.294955
0.282794
0.271136
0.259957
0.249240

[1]

70(12)

[2]

70:15(12)
10.7984

13.2021879

[3]

[4]

G en renta

G en Efectivo

[5]
1

70:67(12) +

12.6138025 12.9586291

70:(12)

12.0665850

Seguro Temporal edad 56 con 25 pago de primas. SA=1M. i=4.3%

DATOS
x' (mujer)
Y (hombre)
i
r
d
v
(12)
i
(12)

d
(12)
(12)
15Ex

70
67
0.043
0.03
0.041227229
0.958772771

85(12)

15E70

*85(12)

11.14072682 5.97895206 1.66539545

0.042175117
0.042027408
1.000146692
0.465375428
0.278543034
0.042101176

i/i(12)
1-d

1.019558523
0.958772771

ANUALIDADES CON DEVOLUCIN DE SU COSTO EN RENTAS

n(12)
8
9
10
11
12
13

6.804014263
7.504464161
8.176036449
8.819921674
9.437261294
10.02914971

nE70
0.567455055
0.519145207
0.472285259
0.427681244
0.385948084
0.347514611

10
11
12
13
14
15

A'x:n
0.217597877
0.242730879
0.266831927
0.289353829
0.310792449
0.331145798

(IA)'x:n
1.275752477
1.552215498
1.841428071
2.134212802
2.434353475
2.739653713

0.6138025

70+n

70+n(12)

suma/.97

8.505585774
8.204029493
7.918810315
7.640391445
7.358427194
7.06163917

8.04145805
7.73985753
7.45459651
7.1761368
6.89413119
6.59729963

11.7187426
11.8789424
12.0584871
12.2567225
12.4722041
12.7028946

ANUALIDADES CON DEVOLUCIN DE SU COSTO EN EFECTIVO

n

x(12)
10.7984
10.7984
10.7984
10.7984
10.7984
10.7984

0.95862912 G

nA'x:n(12)
2.218537704
2.722261704
3.264609185
3.835171118
4.436195262
5.064337812

(I(12)A)'x:n
1.2074869
1.47859033
1.76313476
2.0519977
2.34882453
2.65137675

suma/.97
12.1746410
12.4144560
12.6802324
12.9706437
13.2842492
13.6199093

12.6138025

12.9586291

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
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
97
98
99
100

Mujeres

0.007830
0.000330
0.000322
0.000276
0.000238
0.000204
0.000175
0.000148
0.000154
0.000162
0.000172
0.000182
0.000194

0.20800
0.22200
0.23700
0.25100
0.26400
0.29000
0.31500
0.33900
0.36300
0.38800
0.40200
0.41700
0.43300
0.45000
0.46700
0.48500
0.50700
0.53300
0.56800

0.000208
0.000222
0.000237
0.000251
0.000264
0.000290
0.000315
0.000339
0.000363
0.000388
0.000402
0.000417
0.000433
0.000450
0.000467
0.000485
0.000507
0.000533
0.000568
0.000589
0.000611
0.000623
0.000647
0.000683
0.000731
0.000790
0.000863
0.000953
0.001062
0.001193
0.001289
0.001410
0.001556
0.001730
0.001930
0.002135
0.002367
0.002629
0.002919
0.003237
0.003584
0.003955
0.004348
0.004758
0.005183
0.005718
0.006326
0.007067
0.008003
0.009196
0.009163
0.009465
0.010120
0.011144
0.012556
0.013928
0.015642
0.017634
0.019842
0.022203
0.026203
0.030116
0.033764
0.036967
0.039549
0.045795
0.051145
0.055504
0.058776
0.060864
0.064344
0.068095
0.073669
0.082615
0.091053
0.099490
0.102511
0.108622
0.113180
0.123820
0.131801
0.140316
0.192699
0.218403
0.313000
0.467846
0.661958
1.000000

0.58900
0.61100
0.62300
0.64700

0.68300
0.73100
0.79000
0.86300
0.95300
1.06200
1.19300
1.28900
1.41000
1.55600
1.73000
1.93000
2.13500
2.36700
2.62900
2.91900
3.23700
3.58400
3.95500
4.34800
4.75800
5.18300
5.71800
6.32600
7.06700
8.00300
9.19600
9.16300
9.46500
10.12000
11.14400
12.55600
13.92800
15.64200
17.63400
19.84200
22.20300
26.20300
30.11600
33.76400
36.96700
39.54900
45.79500
51.14500
55.50400
58.77600
60.86400
64.34400
68.09500
73.66900
82.61500
91.05300
99.49000
102.51100
108.62200
113.18000
123.82000
131.80100
140.31600
192.69900
218.40300
313.00000
467.84600
661.95800
1,000.00000

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
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
97
98
99
100

mujeres

7.83000
0.33000
0.32200
0.27600
0.23800
0.20400
0.17500
0.14800
0.15400
0.16200
0.17200
0.18200
0.19400

1000qx
11.32
0.599
0.538
0.441
0.359
0.292
0.235
0.193
0.211
0.24
0.27
0.301
0.33
0.4
0.466
0.527
0.583
0.632
0.694
0.749
0.799
0.845
0.887
0.902
0.918
0.936
0.959
0.989
0.967
0.957
0.959
0.976
1.009
1.02
1.044
1.08
1.123
1.17
1.304
1.44
1.581
1.728
1.884
2.003
2.149
2.399
2.587
2.752
2.916
3.012
3.198
3.473
3.837
4.311
4.874
5.524
6.263
7.091
8
9.009
10.128
11.368
12.738
13.991
15.397
16.97
18.723
20.669
22.502
24.577
26.927
29.587
32.593
35.043
37.544
39.766
41.379
42.053
49.8
56.519
62.448
67.827
69.99
72.152
74.749
77.345
86.725
95.199
103.672
112.145
120.618
129.091
137.563
146.036
164.137
229.289
264.859
363.28
513.871
697.694
1000

qx
0.01132
0.000599
0.000538
0.000441
0.000359
0.000292
0.000235
0.000193
0.000211
0.00024
0.00027
0.000301
0.00033
0.0004
0.000466
0.000527
0.000583
0.000632
0.000694
0.000749
0.000799
0.000845
0.000887
0.000902
0.000918
0.000936
0.000959
0.000989
0.000967
0.000957
0.000959
0.000976
0.001009
0.00102
0.001044
0.00108
0.001123
0.00117
0.001304
0.00144
0.001581
0.001728
0.001884
0.002003
0.002149
0.002399
0.002587
0.002752
0.002916
0.003012
0.003198
0.003473
0.003837
0.004311
0.004874
0.005524
0.006263
0.007091
0.008
0.009009
0.010128
0.011368
0.012738
0.013991
0.015397
0.01697
0.018723
0.020669
0.022502
0.024577
0.026927
0.029587
0.032593
0.035043
0.037544
0.039766
0.041379
0.042053
0.0498
0.056519
0.062448
0.067827
0.06999
0.072152
0.074749
0.077345
0.086725
0.095199
0.103672
0.112145
0.120618
0.129091
0.137563
0.146036
0.164137
0.229289
0.264859
0.36328
0.513871
0.697694
1

edad

i
v

0.043
0.958772771
0.042101176
$1,000,000.00

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

primask
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

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

q[x]+k
0.0011895
0.0017622
0.0029734
0.0043649
0.0070670
0.0080030
0.0091960
0.0091630
0.0094650
0.0101200
0.0111440
0.0125560

p[x]+k
0.99881050
0.99823778
0.99702664
0.99563506
0.99293300
0.99199700
0.99080400
0.99083700
0.99053500
0.98988000
0.98885600
0.98744400

1.00
0.99881050
0.99705038
0.99408579
0.98974666
0.98275212
0.97488716
0.96592209
0.95707135
0.94801267
0.93841878
0.92796104

vk+1 kpx qx+k

0.00114046
0.00161799
0.00261283
0.00366661
0.0056668
0.00610929
0.00667672
0.00631983
0.00620163
0.00629726
0.00658128
0.00703023

v k k px
1.0000000
0.9576323
0.9165338
0.8761348
0.8363476
0.7962005
0.7572661
0.7193694
0.6833919
0.6490159
0.6159616
0.5839859

$
$
$
$
$
$
$
$
$
$
$
$

V( 2556:29)
17,152.87
34,498.75
51,445.69
67,843.22
82,472.80
96,968.67
111,115.17
126,036.73
141,475.67
157,160.90
172,810.06

$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$

e
kV
15,015.97
20,694.78
21,143.78
21,643.69
22,227.71
21,476.54
20,711.66
19,905.82
19,063.37
18,188.32
17,284.19

0.0139280
0.0156420
0.0176340
0.0198420
0.0222030
0.0262030
0.0301160
0.0337640
0.0369670
0.0395490
0.0457950
0.0511450
0.0555040
0.0587760
0.0608640
0.0643440
0.0680950
0.0736690
0.0826150

0.98607200
0.98435800
0.98236600
0.98015800
0.97779700
0.97379700
0.96988400
0.96623600
0.96303300
0.96045100
0.95420500
0.94885500
0.94449600
0.94122400
0.93913600
0.93565600
0.93190500
0.92633100
0.91738500

0.91630956
0.90354720
0.88941392
0.87372999
0.85639344
0.83737894
0.81543710
0.79087940
0.76417614
0.73592684
0.70682167
0.67445278
0.63995789
0.60443767
0.56891124
0.53428502
0.49990699
0.46586582
0.43154595

0.00738304
0.00783904
0.00834046
0.00883922
0.00929505
0.01028384
0.01103534
0.01150477
0.0116691
0.01152698
0.01229105
0.01255831
0.01239847
0.01188939
0.01111037
0.01057598
0.0100406
0.00970547
0.00966657

0.5528795
0.5227028
0.4933142
0.4646357
0.4366409
0.4093443
0.3821844
0.3553926
0.3292360
0.3039934
0.2799336
0.2561017
0.2329850
0.2109812
0.1903937
0.1714339
0.1537902
0.1374092
0.1220388

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

188,126.31
203,167.46
217,680.03
231,458.70
244,341.40
256,206.99
265,772.88
273,011.54
277,999.96
280,930.25
282,121.91
278,585.66
270,510.57
258,128.06
222,260.32
180,649.15
131,137.27
72,139.76
-

-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
$
$
$
$
$
$

16,353.91
15,392.68
14,400.99
13,377.29
12,318.09
11,218.00
10,085.81
8,908.97
7,672.26
6,358.38
4,948.66
3,440.16
1,801.38
0.00
0.00
0.00
0.00
0.00
-

k px

temporal
56:25
Prima
Prima de Beneficios
Prima de Tarifa
Recargo fijo
(VPGE) 0
Prima de Gastos

0.253506404
14.411184

$
$
$
$
$

0.0175909
17,590.95
19,975.85
118.22
25,960.01
1,801.38

56:2

1.9576323

56:5

4.5866485

discreto
0.248207389

$
$
$
$
$

0.01722325
17,223.25
19,572.54
118.14
25,448.00
1,765.85

Temporal edad 56 vence a los 85 aos. Pagos Limitados 25 aos

DATOS GENERALES
i
0.043

0.042101176
i/
1.021349142
d
0.041227229
v
0.958772771
SA
$ 1,000,000.00
Ax1:30
0.248207389
Ax:30 (cont)
0.253506404
56:25
14.411184014
P(Ax:n) (cont)
0.017590949

VIDA UNIVERSAL
SUMA ASEGURADA CONSTANTE
DEDUCIBLE DE PASILLO
RECARGO A PRIMA BRUTA DEL T-20
PRIMA BRUTA DEL PLAN ORIGINAL
PRIMA BRUTA T-20 (AMIS H, 4%)
PRIMA BRUTA EXCEDENTE
Anualidad 20
Seguro Temporal 20 cont

x
56
57
58
59
60
61
62
63
64
65
66
67
68

q[x]
0.0011895
0.0017622
0.0029734
0.0043649
0.0070670
0.0080030
0.0091960
0.0091630
0.0094650
0.0101200
0.0111440
0.0125560
0.0139280

k
0
1
2
3
4
5
6
7
8
9
10
11
12

$ 1,000,000.00
0.1
0.02
$
19,975.85
$
13,013.30 (INCLUYE RECARGO SOLO EL PRIMER AO)
$
6,962.55
12.47261196
0.137311908

kpx
1.0000000
0.9988105
0.9970504
0.9940858
0.9897467
0.9827521
0.9748872
0.9659221
0.9570714
0.9480127
0.9384188
0.9279610
0.9163096

Ax+k:1
0.0011648081
0.0017256394
0.0029116382
0.0042743315
0.0069203014
0.0078368717
0.0090051071
0.0089727921
0.0092685231
0.0099099265
0.0109126700
0.0122953594
0.0136388790

kV(Ax:n)
0
0.017152868
0.034498754
0.051445688
0.067843217
0.082472796
0.096968669
0.11111517
0.126036734
0.141475671
0.1571609
0.172810059
0.188126306

69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86

k
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

0.0156420
0.0176340
0.0198420
0.0222030
0.0262030
0.0301160
0.0337640
0.0369670
0.0395490
0.0457950
0.0511450
0.0555040
0.0587760
0.0608640
0.0643440
0.0680950
0.0736690
0.0826150

13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

bk
1
1.030680729
1.062302764
1.094894987
1.123238386
1.152315506
1.182145342
1.207080335
1.232541281
1.258539276
1.27905238
1.29989983
1.321087076
1.336286543
1.351660885
1.367212113
1.382942262
1.398853391
1.414947581
1.43122694
1.447693597
1.464349707
1.481197451
1.498239032
1.515476681

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

0.9035472
0.8894139
0.8737300
0.8563934
0.8373789
0.8154371
0.7908794
0.7641761
0.7359268
0.7068217
0.6744528
0.6399579
0.6044377
0.5689112
0.5342850
0.4999070
0.4658658
0.4315460

TOTALMENTE VARIABLE
SA
Prima
1,000,000.00 $
17,590.95
1,030,680.73 $
18,130.65
1,062,302.76 $
18,686.91
1,094,894.99 $
19,260.24
1,123,238.39 $
19,758.83
1,152,315.51 $
20,270.32
1,182,145.34 $
20,795.06
1,207,080.33 $
21,233.69
1,232,541.28 $
21,681.57
1,258,539.28 $
22,138.90
1,279,052.38 $
22,499.75
1,299,899.83 $
22,866.47
1,321,087.08 $
23,239.18
1,336,286.54 $
23,506.55
1,351,660.89 $
23,777.00
1,367,212.11 $
24,050.56
1,382,942.26 $
24,327.27
1,398,853.39 $
24,607.16
1,414,947.58 $
24,890.27
1,431,226.94 $
25,176.64
1,447,693.60 $
25,466.30
1,464,349.71 $
25,759.30
1,481,197.45 $
26,055.67
1,498,239.03 $
26,355.45
1,515,476.68 $
26,658.67

0.0153172994
0.0172679490
0.0194301147
0.0217421045
0.0256590715
0.0294908444
0.0330631183
0.0361996297
0.0387280318
0.0448443758
0.0500833191
0.0543518339
0.0575559129
0.0596005697
0.0630083310
0.0666814667
0.0721397602
0.0809000569

0.203167462
0.217680031
0.231458704
0.2443414
0.256206989
0.265772885
0.273011544
0.277999958
0.280930251
0.282121914
0.278585663
0.270510567
0.258128058
0.22226032
0.18064915
0.13113727
0.07213976
0

PRIMA CONSTANTE
Reserva
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

17,679.13
36,648.12
56,327.63
76,204.11
95,034.68
114,631.06
134,124.94
155,345.48
178,052.69
201,017.02
224,635.77
248,531.23
271,489.95
294,229.58
316,453.14
337,910.05
358,396.02
376,054.70
390,741.48
402,458.76
411,380.13
417,878.26
417,387.91
409,952.46

bk
1.00000000
1.03068073
1.04545563
1.06077268
1.07129817
1.08264291
1.09449814
1.10150384
1.10951059
1.11827342
1.12232426
1.12726950
1.13286812
1.13359373
1.13506543
1.13710067
1.13955932
1.14233169
1.14526832
1.14826344
1.15123104
1.15410235
1.15682608
1.15918705
1.16101408

25
26
27
28
29
30

K
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

k
0
1

1.532912655
1.550549234
1.568388726
1.586433467
1.604685818
1.623148167

Ax+k:30-k (cont)
0.253506404
0.263505724
0.273518629
0.283084804
0.292074209
0.299532321
0.306692816
0.313370031
0.320422350
0.327634502
0.334774652
0.341594780
0.347826606
0.353481084
0.358309504
0.362091463
0.364630791
0.365753730
0.364263526
0.360009967
0.352921608
0.343021499
0.330446932
0.312179737
0.288101516
0.258128058
0.222260320
0.180649150
0.131137270
0.072139760
0.000000000

$
$
$
$
$
$

Gk
-

#REF!

$
$
$
$
$
$

26,965.39
27,275.63
27,589.45
27,906.87
28,227.95
28,552.72

ADICIONES SALDADAS
x+k:25-k
P(Ax+k:30-k)
14.4111840144
0.017590949
14.0045233075
0.018815758
13.5876622599
0.020129925
13.1680851949
0.021497796
12.7469525413
0.022913258
12.3392731439
0.024274714
11.9222758628
0.025724352
11.4976662639
0.027255099
11.0503199953
0.028996658
10.5826485234
0.030959594
10.0968828645
0.033156238
9.5949752317
0.035601424
9.0785494333
0.038313016
8.5449409972
0.041367294
7.9944222123
0.044819938
7.4261348290
0.048759075
6.8381410208
0.053323087
6.2274491379
0.058732512
5.5989384346
0.065059391
4.9456355474
0.072793469
4.2591022027
0.082862911
3.5297270161
0.097180744
2.7471524084
0.120287077
1.9097363375
0.163467454
1.0000000000
0.288101516
0.0000000000
0.000000000
0.0000000000
0.000000000
0.0000000000
0.000000000
0.0000000000
0.000000000
0.0000000000
0.000000000
0.0000000000
0.000000000

Fk
$

1,532,912.65
1,550,549.23
1,568,388.73
1,586,433.47
1,604,685.82
1,623,148.17

$
$

24.00 $
24.00 $

$
$
$
$
$
$

395,687.77
344,625.57
283,328.09
208,040.55
115,761.65
-

bk
1.0000000000
1.0019971578
1.0059281754
1.0116857394
1.0180012670
1.0255949152
1.0344422725
1.0426479482
1.0518443614
1.0620460715
1.0707090446
1.0801071438
1.0902284102
1.0978793055
1.1059951122
1.1145690982
1.1235970034
1.1330783546
1.1430039011
1.1533741597
1.1642015926
1.1755134495
1.1873555058
1.1997782577
1.2128795435
0.0141150610
0.0001642661
0.0000019117
0.0000000222
0.0000000003
0.0000000000

VIDA UNIVERSAL
Ek
FK+Gk-Ek
10,719.62
#REF!
4,374.39
#REF!

1.16211526
1.16110400
1.15683966
1.14642720
1.11919522
0.00000000

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SA
1,000,000.00
1,001,997.16
1,005,928.18
1,011,685.74
1,018,001.27
1,025,594.92
1,034,442.27
1,042,647.95
1,051,844.36
1,062,046.07
1,070,709.04
1,080,107.14
1,090,228.41
1,097,879.31
1,105,995.11
1,114,569.10
1,123,597.00
1,133,078.35
1,143,003.90
1,153,374.16
1,164,201.59
1,175,513.45
1,187,355.51
1,199,778.26
1,212,879.54
14,115.06
164.27
1.91
0.02
0.00
-

rk
#REF!
#REF!

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

#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00
24.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00
80.00

#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

O EL PRIMER AO)

i'k
0.075
0.075
0.075
0.070
0.070
0.070
0.065
0.065
0.065
0.060
0.060
0.060

v^(k+1)
0.958772771
0.919245226
0.881347293
0.845011786
0.810174291
0.776773050
0.744748850
0.714044918
0.684606825
0.656382382
0.629321555
0.603376371
0.578500835

Ax+k:30-k
0.248207389
0.257997695
0.267801301
0.277167515
0.285969016
0.293271232
0.300282052
0.306819694
0.313724599
0.320785997
0.327776897
0.334454464
0.340556027

0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055
0.055

PRIMA CONSTANTE
SA
$ 1,000,000.00
$ 1,030,680.73
$ 1,045,455.63
$ 1,060,772.68
$ 1,071,298.17
$ 1,082,642.91
$ 1,094,498.14
$ 1,101,503.84
$ 1,109,510.59
$ 1,118,273.42
$ 1,122,324.26
$ 1,127,269.50
$ 1,132,868.12
$ 1,133,593.73
$ 1,135,065.43
$ 1,137,100.67
$ 1,139,559.32
$ 1,142,331.69
$ 1,145,268.32
$ 1,148,263.44
$ 1,151,231.04
$ 1,154,102.35
$ 1,156,826.08
$ 1,159,187.05
$ 1,161,014.08

0.554650849
0.531784131
0.509860145
0.488840024
0.468686504
0.449363858
0.430837832
0.413075582
0.396045620
0.379717756
0.364063045
0.349053735
0.334663217
0.320865979
0.307637564
0.294954520
0.282794362
0.271135534

Reserva
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

17,679.13
36,066.92
54,572.18
72,680.31
89,288.59
106,132.03
122,393.79
139,839.09
158,208.48
176,385.49
194,803.51
213,122.29
230,309.36
247,081.08
263,191.85
278,441.52
292,673.36
304,381.27
313,489.18
320,042.18
324,222.26
326,365.99
322,932.89
314,066.58

0.346092310
0.350819803
0.354522708
0.357008956
0.358108422
0.356649368
0.352484720
0.345544529
0.335851361
0.323539638
0.305654281
0.282079364
0.252732438
0.217614439
0.176873062
0.128396123
0.070631831
0.000000000

$
$
$
$
$
$

1,162,115.26
1,161,104.00
1,156,839.66
1,146,427.20
1,119,195.22
-

$
$
$
$
$
$

299,974.55
258,067.35
208,982.10
150,339.33
80,738.47
-

Reserva
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALD.

TOTAL

526.26
1,621.47
3,308.06
5,257.71
7,666.50
10,563.20
13,364.59
16,612.09
20,328.43
23,671.60
27,364.18
31,383.84
34,598.48
37,979.06
41,484.49
45,067.27
48,673.90
52,091.11
55,216.23
57,950.29
60,204.89
61,911.05
62,366.72
61,330.92
3,643.49
36.51
0.35
0.00
0.00
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

0
17,679.13
36,120.22
54,753.74
73,100.92
90,139.30
107,531.87
124,479.76
142,648.83
161,804.11
180,832.50
200,174.24
219,510.15
237,765.95
255,659.09
272,943.20
289,408.67
304,880.89
317,863.99
328,227.77
335,950.25
341,135.14
344,032.97
340,952.39
331,841.49
261,771.55
222,296.83
180,649.50
131,137.27
72,139.76
-

Fk+1
#REF!
#REF!

$
$

bk
-

Ek antiguo
#REF!
$
87.92

#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

81.58
81.58
81.58
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000
80.0000