Actuarial Reserve Calculator

Calculate required actuarial reserves for insurance policies and pension plans using actuarial methods.

Future Obligations

Discount Rate

Years to Maturity

Mortality Rate

per 1000

Lapse Rate

Annual Expenses

Required Reserve

$836,703.14

Actuarial Liability

$836,703.14

PV of Obligations$456,386.95

Mortality-Adjusted PV$438,474.2

Lapse-Adjusted PV$157,186.83

Reserve Ratio83.7%

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Formula

Reserve = PV(Obligations) × Survival × (1 - Lapse) + PV(Expenses)

Calculate mortality rates, death probabilities, and survival probabilities using actuarial methods.

Calculate life insurance premiums using actuarial principles. Factors in age, gender, health status, and risk factors.

Calculate pension benefits, present value, and retirement income using actuarial methods.

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