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#11




Based on recent (and consistent) feedback we're getting from our reinsurers, none are likely sufficient. Old age mortality is a hot item, with many of the reinsurers reaching the conclusion that there should be additional loadings at ages 70+, above and beyond those included in any of the existing extensions.

#12




Is the "Manulife" extension table short for "Manufacturers Life Extension" table? Thanks!

#13




I have a SOA 7580 table with an extension and I was wondering if someone knew if it is a well known extension within the industry. I can't seem to find it anywhere. I know it isn't one of the two already mentioned in this thread.
1st year rates for males issue age 7175 are: 12.14 16.72 21.64 26.41 29.44 Thanks for the help. 
#14




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The Tillinghast extension is an extremely flat one, based pretty much on polynomial extrapolation. The Manulife was done somewhat like that, but it is much more conservative. I would say to be conservative, use Manu. Though, from my experience, some companies, and even the recent SOA study have used the Tillinghast extension. PM me if you want more details. 
#15




Which one is the best for you depends on how you will use the extention.

#19




I did not get it from an official source, but I found that the extension I have (that I was told was the Tillinghast extension in this thread) was extended by maintaining a constant ratio of the select rate to the ultimate rate at a given attained age and duration. In other words
q(70+y,t)=q(70+y+t1)*(q(70,t)/q(70+t1)) for x and t =1,2,3 etc where q(x,t) is the select and ultimate q at age x, duration t and q(x) is the ultimate only q at age x. I think that expresses the formula correctly anyway. Chuck 
#20




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