148 KAYNAKLAR

TABLOLAR

148
149 KAYNAKLAR

Tablo I- Bileşik Faiz Fonksiyonları (i=%3)

n (1 + i )n v n = (1 + i )
−n
sn an n
1 1.030000 0.970874 1.000000 0.970874 1
2 1.060900 0.942596 2.030000 1.913470 2
3 1.092727 0.915142 3.090900 2.828611 3
4 1.125509 0.888487 4.183627 3.717098 4
5 1.159274 0.862609 5.309136 4.579707 5
6 1.194052 0.837484 6.468410 5.417191 6
7 1.229874 0.813092 7.662462 6.230283 7
8 1.266770 0.789409 8.892336 7.019692 8
9 1.304773 0.766417 10.159106 7.786109 9
10 1.343916 0.744094 11.463879 8.530203 10
11 1.384234 0.722421 12.807796 9.252624 11
12 1.425761 0.701380 14.192030 9.954004 12
13 1.468534 0.680951 15.617790 10.634955 13
14 1.512590 0.661118 17.086324 11.296073 14
15 1.557967 0.641862 18.598914 11.937935 15
16 1.604706 0.623167 20.156881 12.561102 16
17 1.652848 0.605016 21.761588 13.166118 17
18 1.702433 0.587395 23.414435 13.753513 18
19 1.753506 0.570286 25.116868 14.323799 19
20 1.806111 0.553676 26.870374 14.877475 20
21 1.860295 0.537549 28.676486 15.415024 21
22 1.916103 0.521893 30.536780 15.936917 22
23 1.973587 0.506692 32.452884 16.443608 23
24 2.032794 0.491934 34.426470 16.935542 24
25 2.093778 0.477606 36.459264 17.413148 25
26 2.156591 0.463695 38.553042 17.876842 26
27 2.221289 0.450189 40.709634 18.327031 27
28 2.287928 0.437077 42.930923 18.764108 28
29 2.356566 0.424346 45.218850 19.188455 29
30 2.427262 0.411987 47.575416 19.600441 30
31 2.500080 0.399987 50.002678 20.000428 31
32 2.575083 0.388337 52.502759 20.388766 32
33 2.652335 0.377026 55.077841 20.765792 33
34 2.731905 0.366045 57.730177 21.131837 34
35 2.813862 0.355383 60.462082 21.487220 35
36 2.898278 0.345032 63.275944 21.832252 36
37 2.985227 0.334983 66.174223 22.167235 37
38 3.074783 0.325226 69.159449 22.492462 38
39 3.167027 0.315754 72.234233 22.808215 39
40 3.262038 0.306557 75.401260 23.114772 40
41 3.359899 0.297628 78.663298 23.412400 41
42 3.460696 0.288959 82.023196 23.701359 42
43 3.564517 0.280543 85.483892 23.981902 43
44 3.671452 0.272372 89.048409 24.254274 44
45 3.781596 0.264439 92.719861 24.518713 45
46 3.895044 0.256737 96.501457 24.775449 46
47 4.011895 0.249259 100.396501 25.024708 47
48 4.132252 0.241999 104.408396 25.266707 48
49 4.256219 0.234950 108.540648 25.501657 49
50 4.383906 0.228107 112.796867 25.729764 50

149
150 KAYNAKLAR

Tablo I (Devamı)- Bileşik Faiz Fonksiyonları (i=%3)

n (1 + i )n v n = (1 + i )
−n
sn an n
51 4.515423 0.221463 117.180773 25.951227 51
52 4.650886 0.215013 121.696197 26.166240 52
53 4.790412 0.208750 126.347082 26.374990 53
54 4.934125 0.202670 131.137495 26.577660 54
55 5.082149 0.196767 136.071620 26.774428 55
56 5.234613 0.191036 141.153768 26.965464 56
57 5.391651 0.185472 146.388381 27.150936 57
58 5.553401 0.180070 151.780033 27.331005 58
59 5.720003 0.174825 157.333434 27.505831 59
60 5.891603 0.169733 163.053437 27.675564 60
61 6.068351 0.164789 168.945040 27.840353 61
62 6.250402 0.159990 175.013391 28.000343 62
63 6.437914 0.155330 181.263793 28.155673 63
64 6.631051 0.150806 187.701707 28.306478 64
65 6.829983 0.146413 194.332758 28.452892 65
66 7.034882 0.142149 201.162741 28.595040 66
67 7.245929 0.138009 208.197623 28.733049 67
68 7.463307 0.133989 215.443551 28.867038 68
69 7.687206 0.130086 222.906858 28.997124 69
70 7.917822 0.126297 230.594064 29.123421 70
71 8.155357 0.122619 238.511886 29.246040 71
72 8.400017 0.119047 246.667242 29.365088 72
73 8.652018 0.115580 255.067259 29.480667 73
74 8.911578 0.112214 263.719277 29.592881 74
75 9.178926 0.108945 272.630856 29.701826 75
76 9.454293 0.105772 281.809781 29.807598 76
77 9.737922 0.102691 291.264075 29.910290 77
78 10.030060 0.099700 301.001997 30.009990 78
79 10.330962 0.096796 311.032057 30.106786 79
80 10.640891 0.093977 321.363019 30.200763 80
81 10.960117 0.091240 332.003909 30.292003 81
82 11.288921 0.088582 342.964026 30.380586 82
83 11.627588 0.086002 354.252947 30.466588 83
84 11.976416 0.083497 365.880536 30.550086 84
85 12.335709 0.081065 377.856952 30.631151 85
86 12.705780 0.078704 390.192660 30.709855 86
87 13.086953 0.076412 402.898440 30.786267 87
88 13.479562 0.074186 415.985393 30.860454 88
89 13.883949 0.072026 429.464955 30.932479 89
90 14.300467 0.069928 443.348904 31.002407 90
91 14.729481 0.067891 457.649371 31.070298 91
92 15.171366 0.065914 472.378852 31.136212 92
93 15.626507 0.063994 487.550217 31.200206 93
94 16.095302 0.062130 503.176724 31.262336 94
95 16.578161 0.060320 519.272026 31.322656 95
96 17.075506 0.058563 535.850186 31.381219 96
97 17.587771 0.056858 552.925692 31.438077 97
98 18.115404 0.055202 570.513463 31.493279 98
99 18.658866 0.053594 588.628867 31.546872 99
100 19.218632 0.052033 607.287733 31.598905 100

150
151 KAYNAKLAR

Tablo II- 1958 CSO Mortalite Tablosu (Erkek)

x lx dx qx e x0 x
0 10,000,000 70,800 0.00708 68.30 0
1 9,929,200 17,475 0.00176 67.78 1
2 9,911,725 15,066 0.00152 66.90 2
3 9,896,659 14,449 0.00146 66.00 3
4 9,882,210 13,835 0.00140 65.10 4
5 9,868,375 13,322 0.00135 64.19 5
6 9,855,053 12,812 0.00130 63.27 6
7 9,842,241 12,401 0.00126 62.35 7
8 9,829,840 12,091 0.00123 61.43 8
9 9,817,749 11,879 0.00121 60.51 9
10 9,805,870 11,865 0.00121 59.58 10
11 9,794,005 12,047 0.00123 58.65 11
12 9,781,958 12,325 0.00126 57.72 12
13 9,769,633 12,896 0.00132 56.80 13
14 9,756,737 13,562 0.00139 55.87 14
15 9,743,175 14,225 0.00146 54.95 15
16 9,728,950 14,983 0.00154 54.03 16
17 9,713,967 15,737 0.00162 53.11 17
18 9,698,230 16,390 0.00169 52.20 18
19 9,681,840 16,846 0.00174 51.28 19
20 9,664,994 17,300 0.00179 50.37 20
21 9,647,694 17,655 0.00183 49.46 21
22 9,630,039 17,912 0.00186 48.55 22
23 9,612,127 18,167 0.00189 47.64 23
24 9,593,960 18,324 0.00191 46.73 24
25 9,575,636 18,481 0.00193 45.82 25
26 9,557,155 18,732 0.00196 44.91 26
27 9,538,423 18,981 0.00199 43.99 27
28 9,519,442 19,324 0.00203 43.08 28
29 9,500,118 19,760 0.00208 42.17 29
30 9,480,358 20,193 0.00213 41.25 30
31 9,460,165 20,718 0.00219 40.34 31
32 9,439,447 21,239 0.00225 39.43 32
33 9,418,208 21,850 0.00232 38.51 33
34 9,396,358 22,551 0.00240 37.60 34
35 9,373,807 23,528 0.00251 36.69 35
36 9,350,279 24,685 0.00264 35.78 36
37 9,325,594 26,112 0.00280 34.88 37
38 9,299,482 27,991 0.00301 33.97 38
39 9,271,491 30,132 0.00325 33.07 39
40 9,241,359 32,622 0.00353 32.18 40
41 9,208,737 35,362 0.00384 31.29 41
42 9,173,375 38,253 0.00417 30.41 42
43 9,135,122 41,382 0.00453 29.54 43
44 9,093,740 44,741 0.00492 28.67 44
45 9,048,999 48,412 0.00535 27.81 45
46 9,000,587 52,473 0.00583 26.96 46
47 8,948,114 56,910 0.00636 26.11 47
48 8,891,204 61,794 0.00695 25.27 48
49 8,829,410 67,104 0.00760 24.45 49
50 8,762,306 63,902 0.00729 23.63 50

151
152 KAYNAKLAR

Tablo II (Devamı)- 1958 CSO Mortalite Tablosu (Erkek)

x lx dx qx e x0 x
51 8,698,404 88,160 0.01014 22.80 51
52 8,610,244 85,758 0.00996 22.03 52
53 8,524,486 92,832 0.01089 21.25 53
54 8,431,654 100,337 0.01190 20.47 54
55 8,331,317 108,307 0.01300 19.71 55
56 8,223,010 116,849 0.01421 18.97 56
57 8,106,161 125,970 0.01554 18.23 57
58 7,980,191 135,663 0.01700 17.51 58
59 7,844,528 145,830 0.01859 16.81 59
60 7,698,698 156,592 0.02034 16.12 60
61 7,542,106 167,736 0.02224 15.44 61
62 7,374,370 179,271 0.02431 14.78 62
63 7,195,099 191,174 0.02657 14.14 63
64 7,003,925 203,394 0.02904 13.51 64
65 6,800,531 215,917 0.03175 12.90 65
66 6,584,614 228,749 0.03474 12.31 66
67 6,355,865 241,777 0.03804 11.73 67
68 6,114,088 254,835 0.04168 11.17 68
69 5,859,253 267,241 0.04561 10.64 69
70 5,592,012 278,426 0.04979 10.12 70
71 5,313,586 287,731 0.05415 9.63 71
72 5,025,855 294,766 0.05865 9.15 72
73 4,731,089 299,289 0.06326 8.69 73
74 4,431,800 301,894 0.06812 8.24 74
75 4,129,906 303,011 0.07337 7.81 75
76 3,826,895 303,014 0.07918 7.39 76
77 3,523,881 301,997 0.08570 6.98 77
78 3,221,884 299,829 0.09306 6.59 78
79 2,922,055 295,683 0.10119 6.21 79
80 2,626,372 288,848 0.10998 5.85 80
81 2,337,524 278,983 0.11935 5.51 81
82 2,058,541 265,902 0.12917 5.19 82
83 1,792,639 249,858 0.13938 4.89 83
84 1,542,781 231,433 0.15001 4.60 84
85 1,311,348 211,311 0.16114 4.32 85
86 1,100,037 190,108 0.17282 4.06 86
87 909,929 168,455 0.18513 3.80 87
88 741,474 146,997 0.19825 3.55 88
89 594,477 126,303 0.21246 3.31 89
90 468,174 106,809 0.22814 3.06 90
91 361,365 88,813 0.24577 2.82 91
92 272,552 72,480 0.26593 2.58 92
93 200,072 57,881 0.28930 2.33 93
94 142,191 45,026 0.31666 2.07 94
95 97,165 34,000 0.34992 1.80 95
96 63,165 25,378 0.40177 1.51 96
97 37,787 18,456 0.48842 1.18 97
98 19,331 12,916 0.66815 0.83 98
99 6,415 6,415 1.00000 0.50 99

152
153 KAYNAKLAR

Tablo III- Kommütasyon Fonksiyonları

x Dx Nx Sx Cx Mx Rx
0 10,000,000.0 288,965,017.5 6,979,748,261.0 68,737.9 1,583,543.2 85,671,378.8
1 9,640,000.0 278,965,017.5 6,690,783,243.5 16,471.9 1,514,805.3 84,087,835.6
2 9,342,751.4 269,325,017.5 6,411,818,226.1 13,787.5 1,498,333.5 82,573,030.3
3 9,056,844.9 259,982,266.0 6,142,493,208.6 12,837.7 1,484,545.9 81,074,696.8
4 8,780,215.6 250,925,421.1 5,882,510,942.6 11,934.2 1,471,708.2 79,590,150.9
5 8,512,547.0 242,145,205.5 5,631,585,521.5 11,157.0 1,459,774.0 78,118,442.7
6 8,253,451.7 233,632,658.5 5,389,440,316.0 10,417.3 1,448,617.0 76,658,668.7
7 8,002,642.6 225,379,206.8 5,155,807,657.4 9,789.5 1,438,199.7 75,210,051.7
8 7,759,766.5 217,376,564.2 4,930,428,450.7 9,266.7 1,428,410.2 73,771,852.0
9 7,524,487.1 209,616,797.7 4,713,051,886.5 8,839.1 1,419,143.5 72,343,441.8
10 7,296,488.2 202,092,310.6 4,503,435,088.7 8,571.5 1,410,304.4 70,924,298.3
11 7,075,397.6 194,795,822.4 4,301,342,778.1 8,449.5 1,401,732.9 69,513,993.9
12 6,860,868.5 187,720,424.8 4,106,546,955.7 8,392.7 1,393,283.3 68,112,261.1
13 6,652,644.7 180,859,556.3 3,918,826,530.9 8,525.8 1,384,890.6 66,718,977.7
14 6,450,352.6 174,206,911.6 3,737,966,974.6 8,704.9 1,376,364.8 65,334,087.1
15 6,253,773.3 167,756,559.1 3,563,760,063.0 8,864.5 1,367,659.9 63,957,722.3
16 6,062,760.0 161,502,785.8 3,396,003,503.9 9,065.0 1,358,795.4 62,590,062.4
17 5,877,109.8 155,440,025.8 3,234,500,718.2 9,243.8 1,349,730.4 61,231,267.0
18 5,696,688.0 149,562,916.0 3,079,060,692.4 9,347.0 1,340,486.6 59,881,536.6
19 5,521,418.1 143,866,228.0 2,929,497,776.4 9,327.2 1,331,139.6 58,541,050.0
20 5,351,272.8 138,344,809.9 2,785,631,548.4 9,299.6 1,321,812.4 57,209,910.4
21 5,186,110.9 132,993,537.1 2,647,286,738.5 9,214.0 1,312,512.8 55,888,098.1
22 5,025,845.1 127,807,426.2 2,514,293,201.4 9,075.9 1,303,298.7 54,575,585.3
23 4,870,385.4 122,781,581.0 2,386,485,775.3 8,937.0 1,294,222.9 53,272,286.6
24 4,719,592.6 117,911,195.6 2,263,704,194.3 8,751.6 1,285,285.9 51,978,063.7
25 4,573,377.1 113,191,603.0 2,145,792,998.7 8,569.5 1,276,534.3 50,692,777.8
26 4,431,602.4 108,618,225.9 2,032,601,395.7 8,432.9 1,267,964.7 49,416,243.5
27 4,294,093.6 104,186,623.5 1,923,983,169.8 8,296.2 1,259,531.8 48,148,278.8
28 4,160,726.8 99,892,529.9 1,819,796,546.3 8,200.1 1,251,235.6 46,888,747.0
29 4,031,340.5 95,731,803.1 1,719,904,016.4 8,140.9 1,243,035.6 45,637,511.3
30 3,905,782.0 91,700,462.6 1,624,172,213.3 8,076.9 1,234,894.7 44,394,475.8
31 3,783,944.4 87,794,680.6 1,532,471,750.7 8,045.6 1,226,817.8 43,159,581.1
32 3,665,686.9 84,010,736.2 1,444,677,070.1 8,007.7 1,218,772.2 41,932,763.3
33 3,550,911.6 80,345,049.3 1,360,666,333.9 7,998.1 1,210,764.5 40,713,991.1
34 3,439,488.9 76,794,137.7 1,280,321,284.6 8,014.3 1,202,766.5 39,503,226.5
35 3,331,295.4 73,354,648.8 1,203,527,146.9 8,117.9 1,194,752.2 38,300,460.1
36 3,226,149.4 70,023,353.4 1,130,172,498.0 8,269.1 1,186,634.3 37,105,707.9
37 3,123,914.9 66,797,204.0 1,060,149,144.6 8,492.3 1,178,365.2 35,919,073.6
38 3,024,434.7 63,673,289.1 993,351,940.6 8,838.3 1,169,872.9 34,740,708.3
39 2,927,506.2 60,648,854.4 929,678,651.5 9,237.2 1,161,034.7 33,570,835.4
40 2,833,001.8 57,721,348.2 869,029,797.1 9,709.2 1,151,797.5 32,409,800.7
41 2,740,778.0 54,888,346.4 811,308,448.9 10,218.2 1,142,088.3 31,258,003.2
42 2,650,731.3 52,147,568.4 756,420,102.5 10,731.6 1,131,870.1 30,115,914.9
43 2,562,793.9 49,496,837.1 704,272,534.1 11,271.3 1,121,138.5 28,984,044.8
44 2,476,878.2 46,934,043.1 654,775,697.0 11,831.2 1,109,867.2 27,862,906.3
45 2,392,904.8 44,457,165.0 607,841,653.8 12,429.1 1,098,036.0 26,753,039.1
46 2,310,779.5 42,064,260.1 563,384,488.9 13,079.4 1,085,606.8 25,655,003.2
47 2,230,395.8 39,753,480.7 521,320,228.7 13,772.2 1,072,527.5 24,569,396.3
48 2,151,660.7 37,523,084.8 481,566,748.1 14,518.5 1,058,755.3 23,496,868.9
49 2,074,472.5 35,371,424.1 444,043,663.2 15,306.9 1,044,236.8 22,438,113.5
50 1,998,744.0 33,296,951.7 408,672,239.1 14,151.9 1,028,929.9 21,393,876.7

153
154 KAYNAKLAR

Tablo III (Devam) - Kommütasyon Fonksiyonları

x Dx Nx Sx Cx Mx Rx
51 1,926,376.2 31,298,207.6 375,375,287.4 18,955.5 1,014,778.0 20,364,946.8
52 1,851,312.7 29,371,831.4 344,077,079.8 17,902.0 995,822.4 19,350,168.9
53 1,779,488.9 27,520,518.7 314,705,248.4 18,814.3 977,920.4 18,354,346.4
54 1,708,844.9 25,741,029.8 287,184,729.7 19,743.0 959,106.2 17,376,426.0
55 1,639,329.7 24,032,184.9 261,443,699.9 20,690.5 939,363.1 16,417,319.8
56 1,570,891.7 22,392,855.2 237,411,515.1 21,672.2 918,672.6 15,477,956.7
57 1,503,465.3 20,821,963.6 215,018,659.8 22,683.4 897,000.4 14,559,284.1
58 1,436,991.7 19,318,498.2 194,196,696.3 23,717.3 874,317.0 13,662,283.8
59 1,371,420.3 17,881,506.5 174,878,198.1 24,752.2 850,599.7 12,787,966.8
60 1,306,723.8 16,510,086.3 156,996,691.5 25,804.7 825,847.5 11,937,367.1
61 1,242,859.2 15,203,362.5 140,486,605.2 26,836.0 800,042.8 11,111,519.6
62 1,179,823.4 13,960,503.3 125,283,242.8 27,846.1 773,206.8 10,311,476.8
63 1,117,613.4 12,780,679.9 111,322,739.4 28,830.1 745,360.6 9,538,270.1
64 1,056,231.5 11,663,066.5 98,542,059.5 29,779.6 716,530.5 8,792,909.4
65 995,687.9 10,606,835.0 86,878,993.0 30,692.3 686,750.9 8,076,378.9
66 935,994.9 9,611,147.1 76,272,158.0 31,569.3 656,058.6 7,389,628.0
67 877,163.6 8,675,152.2 66,661,010.8 32,395.4 624,489.3 6,733,569.4
68 819,219.7 7,797,988.6 57,985,858.6 33,150.5 592,093.9 6,109,080.1
69 762,208.4 6,978,768.9 50,187,870.0 33,751.8 558,943.3 5,516,986.3
70 706,256.3 6,216,560.5 43,209,101.1 34,140.3 525,191.5 4,958,042.9
71 651,545.5 5,510,304.1 36,992,540.7 34,253.6 491,051.2 4,432,851.5
72 598,314.8 4,858,758.6 31,482,236.6 34,069.0 456,797.6 3,941,800.2
73 546,819.1 4,260,443.7 26,623,478.0 33,584.3 422,728.6 3,485,002.6
74 497,308.1 3,713,624.6 22,363,034.2 32,889.9 389,144.3 3,062,274.1
75 449,933.5 3,216,316.5 18,649,409.6 32,050.1 356,254.4 2,673,129.8
76 404,778.5 2,766,383.0 15,433,093.1 31,116.9 324,204.3 2,316,875.5
77 361,872.0 2,361,604.5 12,666,710.1 30,109.2 293,087.4 1,992,671.2
78 321,222.8 1,999,732.5 10,305,105.6 29,022.4 262,978.2 1,699,583.8
79 282,844.4 1,678,509.7 8,305,373.1 27,787.4 233,955.8 1,436,605.7
80 246,818.8 1,395,665.3 6,626,863.4 26,354.5 206,168.4 1,202,649.9
81 213,275.5 1,148,846.5 5,231,198.1 24,713.0 179,813.9 996,481.5
82 182,350.6 935,571.0 4,082,351.6 22,868.2 155,100.9 816,667.6
83 154,171.2 753,220.5 3,146,780.6 20,862.5 132,232.7 661,566.7
84 128,818.3 599,049.3 2,393,560.1 18,761.2 111,370.2 529,333.9
85 106,305.0 470,231.0 1,794,510.8 16,631.1 92,609.0 417,963.7
86 86,577.7 363,926.0 1,324,279.8 14,526.5 75,977.9 325,354.7
87 69,529.5 277,348.3 960,353.8 12,497.1 61,451.4 249,376.8
88 55,007.3 207,818.8 683,005.5 10,587.5 48,954.3 187,925.5
89 42,817.6 152,811.6 475,186.7 8,832.1 38,366.8 138,971.2
90 32,738.4 109,994.0 322,375.1 7,251.4 29,534.7 100,604.4
91 24,533.5 77,255.6 212,381.1 5,854.0 22,283.3 71,069.8
92 17,964.9 52,722.2 135,125.5 4,638.3 16,429.3 48,786.5
93 12,803.4 34,757.3 82,403.4 3,596.1 11,791.0 32,357.2
94 8,834.3 21,953.9 47,646.1 2,716.0 8,194.9 20,566.1
95 5,861.0 13,119.6 25,692.2 1,991.2 5,478.9 12,371.3
96 3,699.2 7,258.5 12,572.6 1,442.9 3,487.7 6,892.4
97 2,148.5 3,559.4 5,314.1 1,018.8 2,044.8 3,404.6
98 1,067.1 1,410.9 1,754.7 692.2 1,026.0 1,359.8
99 343.8 343.8 343.8 333.8 333.8 333.8

154
155 KAYNAKLAR

KAYNAKLAR
1. Alistair Neill, Life Contingencies; s.451, Butterworth-Heinemann, 1992.

2. Kenneth Black, Harold D. Skipper; Life Insurance, s. 1064, Prentice Hall, 1994.

3. Lewis C. Workman; Mathematical Foundations of Life Insurance, s. 467, LOMA,

4. Walter O. Menge, Carl H. Fischer; The Mathematics of Life Insurance, s.191, The
Macmillan Company, 1965.

155